BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Chase had my Mortgage loan I got behind on my loan JP Morgan started foreclosure proceedings at the same time I also received papers stating I had a new servicer. I began working a modification with the new servicer while I was doing that Chase was still moving forward with the foreclosure I contacted Chase again they claimed they were not moving forward with the foreclosure yet all the legal papers clearly state JP MORGAN CHASE. I contacted the new servicer asked them they inquired whose name was on the legal documents and said that it was not them it was whomever was on the legal papers. I have letters from JP Morgan Chase stating they withdrew the foreclosure I have letters stating that they have no interest in my home yet they still move forward with the foreclosure So I dont even know who I am supposed to be working out the modification with because as I do Chase is still foreclosing I missed conferences because they told me to disregard any notices i received with JP Morgan Chase on them because they were not moving forward with anything. I HAVE TO APPEAR ON XX/XX/XXXX 2017 AGAIN TO STOP THE SALE OF MY HOME THIS HAS BEEN A NIGHTMARE AND CHASE THE ATTORNEYS COULD CARE LESS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Roadrunner Account Services, LLC
State: NY
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Detailed letter attached. Non escrow mortgage loan. Ocwen force placed coverage with no proper notice and the effective dates of their force place coverage included months my property was not in a flood zone. They have had my paid flood policy and continue to error and cause me financial harm, and inaccurate credit reporting. My payments have been deposited to suspense rather than posting because they can not correct their errors. details in the attached letter, chronology, and supporting documentation. While housing my payments in suspense account they have referred my loan to loss mitigation. My credit score has always been XXXX and my good credit is in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/2016 at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX XXXX tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX 2016. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX Address of credit bureaus Experian XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-04-16
Company: Experian Information Solutions Inc.
State: IA
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:
I sent certified documents in the mail no response. I was told they didn't know where they were for me to resend them again.

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 2016-01-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Every time I try to dispute inaccurate information on my credit report, Experian locks me out of my online access to my report files as well as the online document upload. I am a victim of identity theft and Experian is intentionally making this dispute process difficult for me.

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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have sent 4 dispute letters to Transunion regarding an inaccurate and fraudulent account on my credit report. This account, XXXX XXXX XXXX XXXX XXXX, is only being reported by Transunion. Nothing regarding this account appears on XXXX or XXXX. I have sent supporting documentation via certified mail, to Transunions XXXX. XXXX showing the discrepancies amongst this account showing on my Transunion credit report, but being removed from XXXX and XXXX  due to fraudulence. Despite this, Transunion continues to leave this fraudulent account on my credit report. Per FCRA, all information reported must be verified and accurate. How can this account be verified and accurate in this circumstance? Transunions refusal to correct clearly inaccurate information is in violation of federal law, has significantly damaged my credit score and has had significant, unfair and unnecessary financial and emotional repercussions. My credit score has unnecessarily dropped and I can not acquire needed credit during a catastrophic pandemic. Per FCRA, Transunion is required to have a copy of original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Furthermore, despite two requests via certified mail, Transunion has failed to provide the method of verification under 611 XXXX a ) ( 7 ). Per section 611 ( 5 ) ( A XXXX, Transunion is required to promptly delete all information that can not be verified. Please be advised that this is my third request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights, seek relief and recover all monetary damages that I may be entitled to under 616 and section 617 regarding your willful and negligent noncompliance.

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 2021-04-16
Company: Revolut Technologies Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, Revolut limited access to my account without notice or without stating an explicit reason why. This limitation results in me not being able to use my funds at all - effectively a full freeze where i am not even allowed to access past bank statements or other useful information. 

Note : This was preceded by an untimely review of a transfer to my account, which i have submitted another complaint for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 Chase closed 2 of my bank accounts without notice or explanation after the accounts were opened XX/XX/2021. I deposited a total of {$22000.00}. This caused me not to be able to pay items causing a financial hardship. When I called the proper department, they were rude and unprofessional. Telling meI can never have any accounts as long as I live. No explanation as to why. Very disrespectful and I was distressed. They treated me in a XXXX fashion knowing my race and religion. I dealt with XXXX XXXX XXXX NMLS ID : XXXX and XXXX XXXX XXXX XXXX ID : XXXX who did not give me an explanation or reason. XXXX didnt respond to requests of explanation. In fact he never got in touch with me after personally opening the accounts, giving me checks and advising me I can use them immediately. 

Chase should be fined for a substantial amount and pay me for their felonious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I questioned an item on my EQUIFAX credit report. This was originally a dispute between XXXX XXXX XXXX XXXX XXXX ( XXXX ) and services provided by XXXX. I left the XXXX area in XXXX, and was not aware of the status of this claim until just recently. I requested that Equifax delete the item as the statute of limitations ( SOL ) in the case ( 3 years ), had expired. The case was filed by " XXXX '' on XXXX XXXX, XXXX. Equifax has not responded to my request. Furthermore, this item is not showing up on credit reports of other credit reporting agencies ( e.g. XXXX ). Can you help me to get this item deleted from the Equifax credit report and resolve this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my most recent credit report i found XXXX listings from XXXX loan reading " claim filed for insured portion of balance ''. Even though its XXXX listings, its all pertaining to XXXX student loan that as of 2013 is completely paid off. i have a letter being mailed to me providing proof of full payment from XXXX. would like to have all of this information cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
State of California XXXX posted Erroneous state tax lien {$260.00}. When they investigated after I disputed, they released the lien as, to cancel erroneous lien no fee required, XXXX and XXXX has deleted this from my report. Equifax refuses to delete erroneous information, even after sending certified copies from the County Recorders Office to them. They stated once they information it stays seven years, no exceptions, they have the right to destroy credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I received a credit report from Experian # XXXX. On the report Experian is reporting the following information : XXXX # XXXX is reporting 30 days and 60 days late with a XXXX balance on this account? wouldn't the balance be the payment times two? Wouldn't the balance have an amount for the past due amount? if this account was included in a chapter  XXXX bankruptcy the creditor is not allowed to report the terms of the loan, balance, payment or any account information besides the account and the status! 
Experian also has claimed that they contacted the creditor which I did as well and was told the account was sold to another creditor and I would have to contact that creditor to get information for the account and that creditor is not showing on my credit report!

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 2015-07-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This complaint is against XXXX and Equifax and XXXX XXXX. XXXX XXXX reported to XXXX Equifax and XXXX to delete the credit card account noted above from your credit file. " In the process XXXX XXXX associated my SS # with my mother 's name and vice versa. A complaint is currently on file with Consumer Finance # XXXX regarding above-mentioned. As of today XXXX/XXXX/2015 under personal information for myself, Equifax has listed " formerly known as mother 's name ''. XXXX has mother 's name associated with my credit file. We are now in a much bigger situation, I believe with Privacy Act Laws. I have been put on hold for financing for a Mortgage Loan. Because of this situation I have also lost the opportunity to access Federal Funds to help with closing costs. This all starts with XXXX XXXX and the way information was reported to the Credit Bureaus but the Credit Bureaus will not accept documentation from me or my mother to correct this error and XXXX XXXX seems to be all over the place. I feel like no one is doing anything. These are errors that have created an identity issue. If I dispute my credit file I risk the dangers of scrutiny by Underwriters and if I do n't dispute who helps? This is a major issue that needs to be rectified immediately not in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Recently my credit card vendor, Discover, notified me that my account may have been compromised. Discover issued me a new account and card. Discover said it was not their system that was compromised, but a merchant. I asked Discover what merchant was compromised, but Discover refused to divulge that information. I may want to avoid the merchant so I think I should have right to know who the merchant is. Here is Discover 's official response. 

" Thank you for your message regarding a merchant compromise. I understand your desire to know which merchant was compromised and I will be happy to address your concerns. 
I am afraid that we are not authorized to disclose the name of the merchant in this case or dates. However, please be assured we are actively monitoring your account and you are never responsible for any unauthorized use of youraccount. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit reportXXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I've been trying hard to avoid liquidation as they are holding a significant amount of money. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had someone by the name of XXXX XXXX and XXXX use my identity to purchase cars. I have filed a police report listing all the cars he purchased using my name and ssn. And all the inquiries XXXX on my file were the result of him. I want the bureaus to remove and Equifax is the only XXXX not taking off the derogatory accounts and inquiries. It is hurting my file. Equifax accuses me of going out and buying cars and then not wanting to pay on them. How dare they do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Please see the screen shot stating my credit report was pulled on XXXX XXXX and I have not applied for anything. Equifax has destroyed my credit report as I have mode a number of complaints and they are still adding additional information on my report. I have attached a screen shot of the latest error on my report. Please have Equifax to remove this inquire " XXXX '' ASAP! This is just one of many issues I have complained about. 

Also, please see that on XXXX XXXX Equifax stated I had an address change and that is not true every since then I have number of bad accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My lien was paid and released in XXXX 2015, I sent in documentation per the Mississippi Dept of Revenue website that a paid lien can be removed from my credit bureau report. I sent in the lien release form as well as printed documentation from the website and they still refuse to remove the tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery XXXX Sent me an alleged debt collection Letter on XX/XX/2021. 

Did not provide proof of sale for the alleged debt or chain of the assignment. Only stated they bought the alleged debt. I would need to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016 I disputed an account that was on my report from XXXX XXXX XXXX with all XXXX Bureaus - All the Bureaus removed the data except XXXX On XX/XX/XXXX16 I received an updated credit report from Equifax ( see attached ) stating that the item had been removed. On XX/XX/XXXX16 ( see attached ) I pull my report and confirmed it was removed. On XX/XX/XXXX16 I received a notice that the item had been reinserted on XX/XX/XXXX16 ( see attached ) and on XX/XX/XXXX16 I pulled my report and confirmed that the item had clearly been reinserted. This is a violation of the FDCRA and I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm XXXX XXXX complains is about a mortgage loan payment. 
I requested rein quote to bring delinquent payment current from XXXX XX/XX/XXXX for {$37000.00} in XXXX of XXXX XXXX dollars was sent and cashed XXXX XXXX {$35000.00} received and cash through fay servicing. from XX/XX/XXXX the money that was sent for rein has been accepted to satisfy delinquent payments I have not received conframation. That delinquent payment has been satisfied.i was told that the money is in consideration. 
As per conversation XX/XX/XXXX. To date i requested rein and had sent money to be applied toward delinquent payments and a letter satisfication.bring all payment current. 
As statement reflect next payment due XXXX 
I have talked with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX employee of fay servicing. 
Fay servicing XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCA - national credit adjusters, called me stating I owed a debt. In the verifying process the items verified as, my phone number and address did not match their records. Although the agency did have the last 4 of my social and date of birth right. The other items did not verify me. This is a concern, to me I have not pulled my credit until recently. I am not aware of this debt and would like it removed from my credit report.

Company response to consumer: Closed with explanation