BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX My DOB : XX/XX/XXXX My Social Security # : XXXX In XX/XX/XXXX I lasted my cell phone in XXXX when I moved XXXX. It appears that someone found the cell phone and used it and the charges went up. I dont know that was happening to me until, In XX/XX/XXXX I received a document from XXXX XXXX XXXX stating I owned {$1800.00} to XXXX XXXX XXXX. I disregard the letter because at the time I was recovering from XXXX XXXX. In XX/XX/XXXX I received document from the XXXX County stating I owed XXXX to XXXX XXXX. I disregarding this issued because I was trying to recovering from XXXX XXXX. In XX/XX/XXXX Chase bank see me a letter regarding that they had put a hold on my checking account ( Account # : XXXX ) at the time I have a balance of XXXX ) Again I could do anything because I was recovering from XXXX. In XX/XX/XXXX I contracted XXXX XXXX XXXX who represented XXXX XXXX to find out how much I owed, XXXX informed that I was a balance of XXXX, XXXX.and make arrangement to make payment until I finishing paying the {$3000.00}. I paid XXXX XXXX XXXX over {$2100.00}. I stop receiving statement from XXXX XXXX XXXX. However I would still send payment with a noted on it stating this if for my account. In XX/XX/XXXX I called XXXX and let them know I am not receiving statement from them, why? I was told by a representative at XXXX XXXX XXXX that payment is no longer required, because there is a claim going on. I ask them if they still have a lean on my saving account from Chase, I was told by XXXX XXXX XXXX that there is no lean/hold on my checking account. In XX/XX/XXXX, I went to a chase branch to inquired my balance in my checking account ( Account # : XXXX ) and it show I have a balance of -XXXX. I keep asking why is my account is -XXXX when they put a hold on the account it was a balance of XXXX. The representatives at chase try to investigate but can not give me an answer. According to chase my checking account does not have a lean/hold on it, but chase will not release my funds. I need help in this matter. Chase can not give me a reason why I show a negative balance and why they can not release my funds. Please help. My if you need to reach me my telephone # XXXX, my email is XXXXXXXXXXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX Loans # XXXX is reporting a late in XX/XX/XXXX that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.

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 2020-12-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously filed a complaint with the CFPB against the company LoanCare -- please see complaint # XXXX. 

I am now filing a new complaint because in their XX/XX/XXXX response letter ( sent via the CFPB portal ) to the previous CFPB complaint, they have made several statements that are not true. 

1 ) The XX/XX/XXXX response letter states that " according to our records, you were offered a three month forbearance plan beginning XX/XX/XXXX and ending XX/XX/XXXX. '' This statement is not correct -- our written forbearance agreement expires XX/XX/20. 

2 ) The XX/XX/XXXX letter further states that when " processing the deferral of your payments, the system is only going the defer the total amount due at that time. '' When we initially discussed the deferral on the phone with LoanCare, we clearly discussed deferring the entire time period of the forbearance. The terms of the written agreement are different than the terms we agreed to on the phone. We have been trying to correct this ever since we received the written agreement. 

3 ) The XX/XX/XXXX letter further states " when you make a mortgage payment, it is applied to the most delinquent payment due in accordance with your mortgage documents. '' Our written forbearance agreement and verbal deferment agreement includes the month of XXXX -- LoanCare has been mis-applying our payments since then. 

Please know that LoanCare has not executed their written agreement according to the terms they agreed on via telephone, they are misreporting credit information, applying payments incorrectly, and have made untruthful statements in their response letter to the CFPB. 

I have previously emailed copies of the documents in question, but let me know if you have questions or need further information. 
Thank you XXXX XXXX XXXX XXXX XXXX

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 2022-08-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I spoke with XXXX Rep XXXX who provided me with reference # XXXX on this call Made notice my bankruptcy had been deleted from XXXX file and couldn't understand why XXXX continued to verify bankruptcy with Equifax even after XXXX has deleted it from there own files. XXXX did some research and stated to me XXXX keeps two files, 1 being a VERIFIED file and 2 being a UNVERIFIED file that is unverified historical information. I have reached out to lexisnis several times ( XX/XX/XXXX LAST ) in hopes of correcting this issue even after lexisnex sent me a letter stating they could not verify bankruptcy and had removed it from database XXXX has continued to verify this bankruptcy to Equifax using unverified information. 

UNDER THE LAW 15USC-1681 ( ALL UNVERIFIED INFORMATION MUST BE REMOVED ) So my question to XXXX is how are you verifying this bankruptcy what method/ documents point of source have you used in your investgation to repeatedly verify this bankruptcy with. Equifax after sending me this letter on XXXX XXXX stating you removed it from your files because you could not verify. 

please respond on this platform I have included my personal info so you CAN NOT say you couldn't verify my identity! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX last XXXX SSN # XXXX XXXX XX/XX/XXXX CELL : XXXX EMAIL : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently received a letter from XXXX, XXXX, XX/XX/XXXX, that my home mortgage had been transferred to Select Portfolio Services ( SPS ) and would be effective XX/XX/XXXX. In the letter from XXXX, they stated that all contract agreements about automatic payments would not change with the new service provider ( SPS ). On XX/XX/XXXX I contacted SPS ( I spoke to XXXX ) because my mortgage payment did not come out of my payment account as scheduled. SPS ( XXXX ) stated that my payment would come out on XX/XX/XXXX due to backlog on updating new accounts and another on XX/XX/XXXX to bring us online with the E-Pay contract we had with XXXX. Today ( XX/XX/XXXX//XXXX ) when I called SPS, the recording stated that this company was a " DEBT COLLECTOR ''. I have never been late with my payments to XXXX, so why a " DEBT COLLECTOR ''? I then spoke to two people ( XXXX, and his manager ( XXXX ) who told me that they did not have to honor the XXXX contract ( which was E-Z Pay, consisting of payments every other Tuesday of each month with the 3rd payment on months that have 3 Tuesdays going direct to principal ). I asked why they had not taken out my XX/XX/XXXX payment today as stated that they would and was told by XXXX that because I was ahead on my mortgage payments that they would not take any payments out until I owed. The whole purpose of the E-Z pay with XXXX was to stay ahead on payments. XXXX said SPS would honor those terms, SPS says they do n't have to, that it was not in the contract. It was optional at the time of the XX/XX/XXXX contract with XXXX to make the E-Z pay part of the contract. Once we all agreed on that option of the contract, we were led to believe that it would remain part of the contract, even if the contract was transferred. Now both XXXX and SPS are telling not only us, but other customers ( I was told this by XXXX ( 0n XX/XX/XXXX at XXXX hours ) ) that if it was an option, it is not considered binding by law. I have since in the last few hours learned from looking up customer complaints that SPS appears to be fraudulent in it 's practices. I firmly believe that once the optional agreement of a 3rd payment during the months that have a third Mon/Tue should be considered a part of a binding contract. I also want to know why XXXX was allowed to send my mortgage contract to a " DEBT COLLECTOR '' as stated clearly on SPS phone system when you call when we have not been late on our mortgage payments. That is a slap in the face to those of us who make our payment not only on time, but ahead of schedule. THIS IS FRAUD by both XXXX and SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXXXXXX XXXX has been reporting discharged debt to all XXXX credit bureaus since they purchased the debt asset account. I have made several attempts to get this discharged debt removed from the credit bureau reporting to no avail. This derogatory reporting has harmed me and my business affairs.

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 2022-08-26
Company: CL Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN THE ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % THE CREDIT BUREAUS STATED MY ACOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE NOT ACCURATE .THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Jefferson capital systems XXXX date opened XX/XX/2020 original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card company closed my account after payment was not released by my bank even though the money was in the account the day the account was supposed to be charged. I received direct deposit from my job, and the bank did not release the funds to the credit card company. As a result of too many times this occurred, although I communicated with both my bank and the credit card company, my credit card was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I filed a complaint against Wells Fargo Bank 2-weeks ago -- -ID # XXXX and recieved a rubber-stamped form reply asking if their could be of service. The same day I recieved an email informing me that the matter was closed and the problem solved. That was not the case! I have not recieved any satisfaction or any representation that would solve or compensate my original complaint. please look into their account posting practices and charges for too many checks written on a money market account. Thank you, XXXX XXXX SS # XXXX CELL XXXX

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 monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Submitted a dispute to remove XXXX loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX All have Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX Open balance {$900.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXX FL XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Utah XXXX XXXX XXXXXXXX XXXX XXXX- Open balance {$450.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXX, Va XXXX XXXX XXXX XXXXXXXX XXXX- open balance {$330.00} Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Nevada XXXX XXXX

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 2022-03-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & Associates at XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been sending me collection notices in the amount of {$490.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Avant Credit Corporation
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I borrowed {$9800.00} fro m Avant  and it turns out the interest rate is predatory at 33.95 %. I called to ask for an interest rate reduction. I was given the standard " you agreed to the terms '' speech, but as I remember, it came in pieces and I did not see the entire contract until the transaction was completed and the money had been deposited into my account. My complaint was escalated to the compliance department which can only be reached by email so do not have any faith my interest rate will be lowered or that I will be contacted in the stated 20-day time frame.     My credit rating is fair and I did expect an elevated interest rate but this is usury. I would like to warn anyone with a fa ir credit score co nsidering using Avant for a loan to ask what the interest rate will be because I do n't remember getting the contract before the money was deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I originally experienced a hardship due to loss of income due to covid. My original servicer " XXXX XXXX '' placed my account on a forbearance, and later transferred the loan to Selene Finance. I was caling and calling to get the correct amount owed NO RESPONSE. They filed a notice of default. I made trial payments for 3 months, they sent documents for a loan modification. on the loan modification documents they included a balloon payment for XXXX I have asked them for over 4 months how they calculated a balloon payment for XXXX? NO ONE HAS ANSWERED that question. The just keep telling me " underwriting came up with those figures, they are professionals and we are not changing it '' They then asked me to make more " trial payments '' and that they were going to send me new loan mod documents in mid XXXX for a payment due XX/XX/1922. So imagine my surprise when they put a notice on my door that said my home would be sold on XX/XX/XXXX! as early as XXXX i was still communicating with them and waiting for loan documents. Additionally, they included with the loan modification a " balloon payment rider '' that says if the loan is refinanced the " balloon payment '' would be forgiven BUT the language is so ambiguous it doesn't make any sense. They have not responded to my request and instead told me my choice is to pay the reinstatement, pay the loan off, or lose my property. How is it ok for them to make up figures and tell me go for this fraud/lie or lose my property

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX XXXX XXXX, IL XXXX Comenity Bank/XXXX XXXX XXXX, OH XXXX Acct. # XXXX Dear COMENITYBANK/XXXX, I have recently received a copy of my credit report ( XXXX, XXXX, and XXXX ) showing a 30, 60, 90 day in early XX/XX/XXXX also a 30 late in XX/XX/XXXX. Quite frankly, other than remembering a periods in XXXX when I was briefly ill I have no idea how this oversight could have occurred. I am sure that you can see that my payment history with your company excluding this oversight has been impeccable. Again, I do not know how this happened as I am very conscientious about paying my bills on time. I would ask you to review my payment history with you and as a courtesy please instruct the credit bureaus to remove this very isolated incident from my credit file. These late payments is proving to create financial hardship for me. I have had a favorable experience doing business with COMENITYBANK/XXXX and look forward to continually doing business with your company in the future. 

I thank you so very much for your consideration in this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: CITIBANK, N.A.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a credit card account # XXXX from CITI from XXXX until around XXXX XXXX and i requested for a closure on reference account # above through a phone call. They offered me a settlement on the account for the balance remaining. I paid the settlement amount as agreed and I am suffering from the negative report they reported after closing the account in XXXX or XXXX XXXX, I want to request for a validation that the negative remarks CITI continue reporting after closing my account was accurate and not a mistake. I kindly request a proof or validation on this account that the negative remarks were accurate and properly reported or timely delete it from my credit reporting account with XXXX, XXXX, XXXX. Thank you

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 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These three charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Closed : XX/XX/XXXX

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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, XXXX, XXXX, and TRANSUNION, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, XXXX, XXXX, and TRANSUNION on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where TRANSUNION just removed my XXXX account all together, and XXXX and XXXX just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated immediately.

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 2020-02-17
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage lender, Mr. Cooper, refused to pay my homeowners insurance premium from my escrow account to the carrier, causing the policy to lapse. I am now without homeowner 's insurance. Mr. Cooper refuses to explain the basis for not paying the insurance premium and is retaining my escrow.

Company response to consumer: Closed with explanation