BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
To Whom it may concern, I have a checking and saving account in Chase Bank. I received a check for a rental payment from my tenant with the amount of {$8400.00}, post date XX/XX/XXXX and I deposited the check on XX/XX/XXXX. The fund went through successful after a few days. However, a few months after, on XX/XX/XXXX, I received an email notification from Chase which state that my account was overdraft and the check was return due to reason of " the payer bank suspects that the check is a forgery. '' I contacted Chase regarding to the issue and they did not give me any explanation of the reason why it take a few months to find out that it is a forged check. Instead, the fund went through to my account and was deducted without any advise a few months after. While I visited the branch and called the support number at the back of the debit card, both of the banker on site and the customer support on phone does not have any idea of why it takes so much time to verify and both of my checking and saving account were closed immediately as a non-reversible decision. 

I am the victim who lost the amount of the given check, at the same time, the Chase bank suspended my bank account for no reason and will no help to investigate. I have filed a local police report at XXXX Police Department, case # XXXX. However, the police states that they do not have enough evidence as they do not have the actual check on hand and either the Chase bank or the check issued bank which is XXXX XXXX  should provide me more information of the reason why and how they have proof the check is a forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I have contacted XXXX and Transunion to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request 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 explanation
Consumer complaint received 2022-01-27
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am, XXXX XXXX, submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, a natural living person and original creditor was sent a letter from FIRSTPOINT COLLECTION RESOURCES INC, to pay a alleged debt of {$110.00} ( Exhibit A ) which according to the FAIR DEBT COLLECTION PRACTICES ( FDCP ) is a violation of 15 usc 1692f ( I ) & 12 CFR 10006.18 ( 2 ) ( i ). FIRSTPOINT COLLECTION RESOURCES INC is now civilly liable to pay for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XX/XX/XXXX and I've never received a response to my address on file. This is preventing me from moving forward with my dream of owning a home. Please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They need to report my current student loan in its proper status. It has been placed on forebearance while I'm in Borrower Defense. I'm fairly certain that the servicer has sent them the information but they ignored it. Why I don't know. See attached and update the account appropriately.If I have to ask again, then a law suit will be filed. The account has been in forebearance for several years while a law suit in CA is being settled. Report it correctly or be sued.

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 2017-07-21
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The home is on the market and we have a valid and current offer that is acceptable to the investor or so we have been told by the Ocwen. The Seller is a separated woman who in the separation agreement was awarded the home and the Husband Deeded the property the Wife. The Wife has a Protective Order against the Husband for XXXX. He is no longer on title to the property and is not required by NC State law to sign any paperwork pertaining to the sale of the home. Ocwen is holding up the approval of the short sale indicating that the Husband has to sign the Offer to Purchase and they want him on the HUD1 settlement. We are about to lose the one and only buyer on the house.

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 2017-07-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
residential number ( XXXX ) XXXX in incorrect, also I do do n't SSI as my former or current employers never did.

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 2017-07-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XXXX XXXX or XXXX as stated, this is simply a false statement.

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 2017-07-21
Company: EQUIFAX, 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 status incorrect

Complaint:
This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX XXXX side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XX/XX/XXXXor XXXX as stated, this is simply a false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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: Information is missing that should be on the report

Complaint:
I have sent out letters to all credit bureaus every month since XXXX of XXXX. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each of these day have been specific in what was asked such as removal, validation and up date with correct information. I have not got any response from credit agencies as well as any success in having my profile updated.

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 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a collection for a utility that recently was added to my account. I have no idea what this collection is for so I disputed it. The dispute apparently came back as me owing the debt. I tried to call the phone number for the company listed as holding the collection account. The company name is XXXX XXXX. When I called the line it was some new company called XXXX XXXX  XXXX XXXX. They said they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The number I called was XXXX. When someone answered they said the company phone number had been changed and they are a new company offering me a {$100.00} voucher when I provide them some additional information. They said they would not give me the new number to find out about my debt unless I gave them this information. I said I did not want to sign up for anything and only wanted to speak with someone to find out more about my supposed debt. They kept saying the same thing over and over about how I had to give them my info and they would give me the new number after. When I threatened to call the consumer protection bureau she gave me a number and when I called it was a general XXXX info line. This account is being reported on my credit but I dont know what it is and there is no way for me to remedy or clear this from my credit report. It seems unconscionable and probably illegal to refuse to let someone even discuss a bill unless they sign up for more things.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX has 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

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 2022-03-29
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased concert tickets on XXXX XXXX for a concert in XXXX, PA. The concert tickets were oversold and I was never able to attend the concert. I have a ticket with a XXXX code that can show proof that I never entered the concert. I have contacted PNC Bank multiple times about disputing the charge and they have done nothing to help me in the process. XXXX XXXX is who the tickets were purchased through and I believe it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Pacific Union Financial, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our Mortage Company from day one have been very unpleasant to work with, we miss a payment and try to schedule two payments withdrawals from our bank account and they accepted one and then declined every payment thru direct debit from our account. I have copies of that. Then we try to see if there was any way they can help us to to avoid any more miss payments but they never reply or was sent any letter to us. Months have pass we already apply to see if we can received a loan to add to our loan amount and have a fresh start. But they already have accelerated for a foreclosure without giving us any options to avoid the foreclosure proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought certified pre-owned car at a dealer. They recommended Santander Consumer USA bank to get loan from. Interest rate was very high, that 's why I decided to pay more than specified in documents. I have consulted with bank itself that I will not have any issues or fees or anything paying more than specified. For the last 4 month bank has messed with : 1. My last name. I was not able to pay. They did n't respond & fix until I escalated an issue. 2. I still have incorrect last name in web app, as they ca n't do anything with it. 3. On XXXX I was not allowed to pay using ACH, only certified funds, because " You have paid too much ''. Yes I want to pay my debt in 1Y. I told that from the beginning. 4. Payment on XX/XX/XXXX was not partially applied towards principal even though I asked that ( " please use {$220.00} as regular payment for XXXX and {$1200.00} apply towards principal '' ). 5. I asked SECOND time in XXXX to do that the same manner. 6. In the middle of XXXX I found that I 'm PAST DUE. Even though I paid XXXX in XXXX, My regular payment is {$220.00} per month. My due day is XXXX of each month. My first payment was scheduled to be on XX/XX/XXXX. I keep track of all payments in XXXX file. Specifically to track this kind of fraud from banks. So these are my payments ( I have not included transaction numbers, but I have it ) : Date Amount Transaction No 1.XX/XX/XXXX {$1000.00} XXXX 2. XX/XX/XXXX {$1000.00} XXXX 3. XX/XX/XXXX {$1000.00} XXXX 4. XX/XX/XXXX {$1000.00} XXXX 5. XX/XX/XXXX {$500.00}? ( did n't write ) 6. XX/XX/XXXX {$1500.00} XXXX 7. XX/XX/XXXX {$1200.00} XXXX I always ask to use money following way : what is exceeding regular payment should be applied towards principal. The last payment made on XX/XX/XXXX was not applied at all towards principal. So I wrote SECOND time in XXXX. First, I 'm 99 % sure they EITHER did not apply {$220.00} for the last payment of {$1500.00} ( the one I asked to be even though I requested that ) OR possibly they applied it TWICE towards the same month XXXX. The last 1 % - I made a mistake and asked something incorrectly. For that last 1 % - bank has not notified me at all that this will happen. In addition to that, they said I 'm 19 days past due. Even though I paid on XX/XX/XXXX, which is 12 days past due! This is surreal and unacceptable. This all looks like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already filed a complaint, however, it was something still nagging at me that I believe I forgot to mention. Here is info for previous complaint that I 'm adding to. Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Mortgage As Ocwen had stated that I had check returns, never ever have I wrote a check to them that was returned. Also, I notice that they at times did not submit entire amount of payments in statements. I have NEVER made a partial payment, also a few times I noticed that they stated payments had been reversed. Never has that happened. Just want to add/be acknowledged in my original complaint. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX - Made a purchase for {$1400.00} from Sears outlet using Citi AAdvantage Card XX/XX/XXXX - Item was brought for delivery but since the item was out of its packaging and packed and damaged, I did not take receipt of the item. 
XX/XX/XXXX - Lodged a complaint with Sears Outlet ; They asked for product to be returned when it was not even delivered to me. 
XX/XX/XXXX week - Opened a billing dispute with Citi, who reversed the charge. 
XX/XX/XXXX - Received letter from Citi asking for proof of the non receipt XX/XX/XXXX - Sent email with pdf document providing proof of delivery refusal XX/XX/XXXX - Received letter stating that dispute was resolved in favor of the merchant because no information was received. 
XX/XX/XXXX - Called credit card company to resolve the issue. They state that they did not receive the information. I had proof of having transmitted an email with the information and sent them the same. But they would not consider it. I also asked if the merchant had provided proof of product delivery and they stated that he had not. 
It appears that the credit card company did not do even the basic diligence i.e. to seek proof from the merchant that the product was delivered. This is patently unfair to the consumer because proof and documentation is sought from the consumer but not from the merchant.

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 2022-06-13
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm a tenant with a rent control, I as been here for 17 years, after my husband passed in XXXX I haven't a legal lease I always signed but they never sent the copy, on XXXX XXXX complaint to the City for the same reason they ordered to sent me a lease copy in 30 days and eliminated all the overcharged for lateness wich its not applied, according to the first lease in XXXX, they sent me the lease I signed but they never sent me the copy. I never stopped to pay my rent, until last year due to covid ERAP deposit an amount of money covering my rent for 5 month on XX/XX/XXXX ( XXXX ) supposed to be covered until XX/XX/XXXX, I started paying my rent on XX/XX/XXXX even with the increased amount that not supposed to happening until one year later ( XXXX XXXX ) I spoke with them about it to many times they became disrespectful with emails, and harassing me with late notifications certified mails and emails, I complained to the Housing again about it on XX/XX/XXXX, I have the docket number and I guess that they have the notification too.They sent me and email telling me that they will sent my debt into collection they did it and today XX/XX/XXXX I Recieved the notification from TSI, and after all this back and forward with the emails they sent me the lease 2 weeks ago ( XX/XX/XXXX ) when I signed in XX/XX/XXXX and I supposed to recieved the tenant copy 90 days later ( around XXXX or XX/XX/XXXX ) and this it's the first legal lease that I have since XXXX and they're overcharged me also I told them if they're right I'll pay what I own and for sure it's not the amount they're saying

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX {$20000.00} Balance updated XX/XX/2021 10 late payments Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$460.00} Balance updated Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$340.00} Balance updated Account Info Account number XXXX Original creditor : XXXX XXXX XXXX / XXXX County {$2200.00} Balance updated Account Info Account number XXXX Filed FTC, Remove these accounts from my report!

Company response to consumer: Closed with explanation