BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: AMERICAN FINANCING CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I called American Finance to do a refinance on my current loan. Everything is great until they flat out lie to you. I am not an expert so I trusted them. I was promised by XXXX XXXX XXXX XXXX XXXX | XXXX  XXXX in writing that I would skip two payments after refinancing. They didn't mention that if THEY process the paperwork after the XXXX of the month that it would only be XXXX month skipped payment. I sent all the paperwork as asked and was positive I would skip two payments This is the exact email : They'll fund the payoff to your current lenders accounts ( CHFA ) one business day after closing - and should be zeroed out. Keep an eye out for the escrow refund check in the mail about XXXX after. Those envelopes are not always labeled from the bank, but will be the amount of your current escrow held. 

You'll skip XXXX and XXXX payment - new loan will start in XXXX. If you did make XXXX payment will be refunded with the escrow.. 


I will be at my desk if any questions during the process. Welcome to call me if you need during -- and of course for any follow up questions on funding and new servicer. 

Thank you, XXXX XXXX this email I was also contacted on " a RECORDED LINE '' where this was specified that I would skip XXXX and XXXX Payments. Since I had made my XXXX payment I was expecting it to be refunded in escrow AS PER THEIR OWN WORDS!!!! 

After calling previous lender I was informed that I would not get that money back because American finance had filed after the XXXX. 

When I called to complain everything seemed cordial, they said you are right, we did say that let us try to make this right. After calling back a few days later they said it was passed on to management to see if the " could take a loss since they had said that to me ''. I was told I would be contacted in a few days. 10 days later I called them back and told me their was no malice and there is nothing they can do to get me my money. They where not even going to have the common courtesy of following up as promised if I had not called back. 

These people directly lied went back on their word and then would not even follow up If i had not reached out AGAIN. I feel completely swindled by these people. I Trusted them because I had my original loan through them guess that was my mistake. I would not recommend them to anybody, nothing they say can be believed even though its said on " a recorded line ''. 

TotaXXXX XXXX and not even the decency to give a client a call back Shameful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01
Company: IQOR US INC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full creditor is refusing to remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are several items on my credit file that exceed or reporting inaccurately. 

# 1XXXX XXXX XXXX  paid in full is not a charge off should not be reporting delinquent history. # 2 XXXX XXXX this account exceed the 7-year statue reported. # XXXX XXXX XXXX this account was paid in full was. Please remove the inaccurate delinquent history. XX/XX/2015 through XX/XX/2015. # 4 XXXX   Paid in full and I have the letter stating paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was attempting to attend XXXX in 2007. I was told I qualified for financial assistance. I was not told that it was student loans. There were many papers I was told to sign but I did n't fill any of it out, just told that they were all for administration. Now I have received paperwork for a private loan I did n't know I had that XXXX had taken out in my name for classes that were not attended. I had consolidated all of the loans that I was aware I had from Sallie Mae into the XXXX program. Now I am being sued for a loan I had no idea existed. I called the company holding the debt now and I have n't been able to find out when the loan went into default. I only have the original application that was n't filled out by me. Now this lawyer 's office wants me to come up with a pay off amount of over {$4500.00} in order to stop the process of them suing me. I do n't have that kind of money for a loan I did n't know existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Although I have been an excellent customer of Chase for many years, and have not missed a payment nor exceeded my credit limit, they have decided to reduce my limit from XXXX to XXXX. They claim this is due to too many other accounts and high balances, however it is not fair represent a credit limit as XXXX amount and then as I get closer to the limit change it to a lower amount! Did I ever really have a limit of XXXX if as soon as I spend XXXX toward it it shrinks down? This is deceptive and the decision for my limit should be based solely on my good relationship with Chase and not on whatever may happen with other cards I hold. Plus, as a result of their decision, my credit score will drop further now that I am much closer to the total amount of available credit. This needs to be fixed and reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
JP Morgan Chase acquired my Mortgage loan from Washington Mutual XX/XX/2008.The interest rate on the loan was approx-2.85 per cent Because of one payment being late I paid the late payment with the second Installment and the bank failed to apply the payment refunded the payment to my checking account.Without filing any notice default and substitution of trustee the bank raised the interest rate from from 2.85 % to 9 % .This created lot of financial hardship we were forced to sell the property as distress sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have recently had changes to my Transunion Credit Report. I requested a copy of my credit report to verify the changes but Transunion has not complied with my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: CITYWIDE HOME LOANS A UTAH CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Citywide Home Loans is giving box seats at he XXXX XXXX to realtors as a gift for referrals. This is a violation of RESPA and not fair to the rest of us who are playing by the rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Lockhart Morris & Mo Opened XX/XX/XXXX - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused  by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Lockhart Morris & Mo Opened XX/XX/XXXX - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX S SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Chase Bank ignored me when I contacted them by phone approximately two weeks after the charges [ appeared ]. Chase promised me that they would refund the money to my account. Because I got sick I was unable to verify or confirm if they had done what they said they were going to do. I trusted their word, but unfortunately they never refunded the money. After some time had passed I called them again, but they ignored me. My XXXX is not very good, but I do understand and they treated me with discrimination. After some time I called them again. Then they sent me a letter saying that the dispute was outside the time frame even though I explained to them that I WAS NOT PLACING A NEW DISPUTE ; I WAS CALLING TO HAVE THEM FIX THEIR MISTAKE. APPARENTLY they purposely, maliciously and conveniently continued to ignore me since the beginning to invalidate my rights as a consumer. I am closing the account but before I do I need them to honor their word and do as they said. They should not mock me in that manner just because I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom this may concern, XX/XX/XXXX I am originally from the state of XXXX  and in XXXX I took a job in the state of XXXX. When I arrived in XXXX  I became a XXXX XXXX  phone customer. I was in the XXXX XXXX in XXXX  I wanted to update my cell phone, the salesman at the kiosk showed me a nice phone and told me he could get me a good deal on service. The service would be with XXXX and he would give me a deal on the phone he was showing me. There was an issue porting my number from XXXX XXXX, I started the paperwork to switch to XXXX and picked out the phone. I told the salesmen I needed to go to the food court and get something to eat while he worked on porting my number. I went to the food court and I decided at the last minute not to get the phone or the service. I never went back to the kiosk and I never finished the paperwork.

I found out later that the salesman finished the transaction and stole two XXXX. He also opened lines of service with XXXX in my name. I went to the XXXX XXXX that was in the XXXX mall and talked with the manager ( XXXX XXXX ). I also spoke with the District manager XXXX XXXX and they told me that the salesman at the Kiosk was not a direct employee of XXXX that he was a contract employee and they had no proof that he stole the phones. They said if he sells the phones on the internet they would not be able to find them. They told me if he uses the cell phone lines he opened they could easily track the phones. I went to the XXXX XXXX police and filled out a police report because this person used my information to open cell service with XXXX and he stole two XXXX 
When I moved to XXXX  the only place I could afford to live was in the canyons or in the mountains. There was no cell service or internet service so I did not check my credit report the entire time I was in XXXX. I lived in XXXX  approximately three years. I checked my credit report XX/XX/XXXX and that is when I see that XXXX reports that I owe them over {$2000.00} dollars. I was never a cell phone customer of XXXX and I never bought phones from them. I called XXXX and asked them about all of this, they told me this account was old and was sold to XXXX XXXX XXXX for collection. I asked XXXX if the phone lines that were opened were ever activated. They said the phone lines were opened but never activated. 
I called XXXX XXXX XXXX and spoke with XXXX ID # XXXX and told him what happened and I asked them to open a fraud investigation. He said he would open a case and he needed copies of my documentation. I am enclosing copies of my documentation to aid in this investigation of fraud. 

Equifax is still reporting this fraud even though XXXX  and XXXX  already took this fraud off my credit report. Equifax needs to delete this fraud from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Clay Chapman Iwamura Pulice & Nervell
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX, who is either a Master Servicer, or a Default Servicer, by, and through XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector initiated a foreclosure lawsuit on XX/XX/XXXX, as Civil Action Case No. XXXX. 
Go to First, and Second Attachment. 
For approximately the last three years, XXXX, either a Master Servicer, or a Default Servicer, by, and through XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector, and XXXX has attempted approximately 5 to 8 times to have, and hold a foreclosure sale over the last three years. 
XXXX from Clay Chapman Iwamura Pulice & Nervell, a third-party debt collector, and XXXX is attempting again to have a foreclosure sale this coming Tuesday, XX/XX/XXXX at XXXX XXXX 
Go to Third Attachment

Company response to consumer: Untimely response
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient Private Credit is trying to collect a student loan from me for {$47000.00} for a student loan at a campus I did not attend. I attended XXXX XXXX XXXX of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, but I have Stafford Loans for those accounts listed on the NSLDS, which are valid. Navient Private Credit and its collection agency for the loans, XXXX XXXX, sent me a settlement offer for {$13000.00}. The problem with the settlement offer is that they provided no proof that I actually took out those loans, and the settlement offer says I went to XXXX XXXX XXXX XXXX XXXX, XXXX. I have never been to XXXX and certainly did not attend XXXX XXXX XXXX there. Navient has yet to respond to my requeest for validation and are continuing to report negative items for a debt where there is serious doubt as to whether it belongs to me in the first place. The collection agency XXXX XXXX is n't sure how to proceed and continues to send threatening letters to me in reference to the debt in questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been requesting verification of the following account that Experian continues to report on my credit file : Bankruptcy # XXXX Experian listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. 
On Friday, XX/XX/2017 I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. 
On Friday, XX/XX/2017, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Experian or mode of verification from XXXX to Experian showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Experian shows as reported on XXXX. 
I demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Experian '' XXXX so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : public record Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : Bankruptcy XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX agents assured me that Experian 's XX/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
the amount does not go down and infact the amount keeps going up at an intrest rate over XXXX percent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
checking account was over-drafted. I had, according to Chase until XXXX to cover the overdraft and avoid fees. An account transfer was done at XXXX and reflected in the account as covering the overdraft. Checked with the phone app and website and both showed the overdraft covered with a positive balance. Last time checked was midnight and it still showed a positive balance. Next day XXXX overdraft fees were charged to the account. Branch officer said that was because transfer was not done before XXXX but account showed positive balance before the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Chase Bank has been unwilling to provide any form of assistance in recovering or refunding the money I lost as the result of a scam. I wrote a check to an XXXX-based tour company in the amount of {$3600.00} in exchange for their tour and guide services. 2-days prior to the trip, the company cancelled the trip citing XXXX in the area. No other travel companies that we contacted cancelled their trips and there were no reports of any XXXX online. The tour company has kept my money and is unwilling to offer any form of refund. The others in my group were able to recover their funds from their banks and credit card companies, but Chase told me they would not provide any options other than " contact the police '' and " try to get your money back from the company yourself. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Other fee

Complaint:
Hello CFPB, My name is XXXX and I have a credit card with JP Morgan Chase ( Account number : XXXX ). I paid my entire credit card balance off on the XX/XX/XXXX statement due date of XX/XX/XXXX. JP Morgan Chase still charged me {$68.00} in interest on XX/XX/XXXX. I called JP Morgan Chase Credit Card customer service and spoke with a young lady who was very friendly. She acknowledged I had paid my entire credit card balance in full by the due date, and should not have been charged interest when the credit card is paid in full by the statement date. When I asked her to give me the mathematical breakdown of my account balance to explain why I was charged {$68.00}, she gave me a vague explanation full of obfuscation. While she was nice I realized she would be no help in resolving this matter. Please have JP Morgan Chase refund the {$68.00} they unfairly charged my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27
Company: Duvera Billing Services, LLC
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I paid this loan off in XXXX 2015. They processed a payment after the loan was taken out. I asked for a refund of the payment. I ended up receiving the refund through XXXX XXXX XXXX. I have spoken to several different people and even sent my banking statement showing I never received a refund from them. The refuse to clear the account and it is negatively affecting my credit. I was hung up on 3 times while calling to speak to someone. I have someone arguing with me after I sent in the documentation of the what she asked. I would like this situation resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation