BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: OH
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:
In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX -- XXXX The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A.

State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I DESPERATELY NEED HELP! I am getting nowhere with my mortgage company. I filed a previous complaint on XX/XX/XXXX, claim # XXXX because my servicer was giving me the run around regarding loss mitigation. I sent proof of this with my previous claim. My servicer did respond after I filed the claim with CFPB, but only with a phone call and no resolution. CFPB closed my claim. I am not getting any options in regards to loss mitigation that I qualify for under USDA Mortgage Relief in response to Covid 19. I have a USDA guaranteed mortgage and I qualify for a payment reduction according to their guidelines. I meet all of the qualifications and it's as if no one is accurately processing any of the loss mitigation applications that I have filed since the end of XXXX. I do not know what else to do. When I reach out to my servicer, all they do is tell me that they will escalate my issue to someone and then I never hear from anybody. Now, they have closed my loss mitigation case and I am still in the same situation. They even sent ANOTHER loss mitigation package for me to complete! I have completed THREE since XX/XX/XXXX and I haven't been offered any resolutions to my issue. I AM BEGGING THE CFPB FOR HELP!! All I want is the payment reduction as per USDA guidelines. It's really that simple. I do not understand why my servicer has not offered this to me. I qualify for this option set forth by the Whitehouse on XX/XX/XXXX, under the USDA guidelines and under the USDA Covid 19 Special Relief Measures.

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 2017-01-23
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
XXXX 2013 Nelnet took over my student loan. They split it into XXXX different loans with the same account number to charge interest rates twice. After 7 months they raised the current payment amounts by 225 % with no notification. A couple of months after that they raised the current payment again. They put me in a forebearance that I did n't ask for. They reported inaccurately to the credit bureaus and had my student loans reported XXXX times. They also re-aged this account which is illegal. When asked for validation of the debt I was given a computer printout with in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase bank sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added {$75000.00} to my loan for delinquent payments. I was in modification with Chase for 5 years, and 5 different modifications. When we were just about to complete, they sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX then billed me for {$80.00} something XXXX. After months of disputing since I did n't know who in the XXXX they were and did n't know my loan was sold, they tacked all this money on my loan and ruined my credit. As you know, when your in a modification, Chase would not accept payments for all the years. I do not think they have the right to do that. I was XXXX years old and completely used by them. I am now XXXX and will never be able to pay off the loan. My loan balance at the time of starting the modification was about {$1300.00}, PITI. Now its the same with a lower interest rate, but {$75000.00} more and I will never pay off my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: MI
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 account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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.

Also the credit bureaus took more then 30 days.

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 2022-04-17
Company: EQUIFAX, INC.
State: MI
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 account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. 

Also the credit bureaus took more then 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I went to the XXXX XXXX website to purchase tickets. They had an offer for a Chase XXXX XXXX card which would take {$50.00} off the ticket price in the form of a statement credit. They showed how much the net cost would be. I applied for and received the card, and purchased the ticket on XXXX/XXXX/15. When I received my statement, there was no credit. I contacted XXXX and they referred me to Chase. Please see attached e-mail confirming that I am due the credit. I filed a dispute with Chase on XXXX/XXXX/15. They have not responded except to confirm receipt. My payment is due XX/XX/XXXX and although I know I do n't have to pay the disputed amount, they can still charge me interest and fees on it. they say they may contact me by letter for more information - I think that is a stall tactic to take this beyond the date my payment is due so I will either pay the whole thing or they can charge me more.The offer was clearly a come-on designed to get me to apply for the card ; now they are refusing to honor the deal. Can anyone help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Other

Complaint:
I have a credit card through Chase. On about the XXXX of XXXX I logged on to the Chase website to check my account and noticed there was an additional credit card listed which I had not signed up for. I sent Chase card services a message through the website asking about the card as it was not requested. They spun up their fraud department, asked me a bunch of questions, told me to let them know if I saw any activity on the account, etc. I responded that they should simply shut down the card immediately as I did not order another credit card. They indicated they did this. On Monday of this week, XXXX XXXX, my new, unrequested XXXX rewards card showed up in my mail box, with a host of " welcome to your new credit card '' material. I called Chase customer service to ask how this could happen and they indicated this was an identity theft modus operandi. I should immediately inform XXXX of the credit monitoring agencies and be diligent with my statements. 
To me, it feels more like someone at Chase is trying to solicit more business by sending out unrequested credit cards in the hopes that a few will not be cancelled. I find it odd that someone would steal my identity ( Chase indicated they would only issue a card with the appropriate SSN ), only to send the card and all the documentation associated with the card to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: CrossCountry Mortgage LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is through cross country mortgage. Im in a forbarrence I have signed an agreement and made 3 payments. Everytime I called to make payment they debt my bank the correct amount except the final payment they set up the payment for {$30.00} under. Evertime I called I was on hold for hours and now they are saying this violated agreement and I won't be able to restructure my loan and will have to pay past due in full..this issues was caused by them not setting payment up correctly. I called and they even took 4 payment in a row and was about to make a 5 payment when finally said the agreement was broken. I've tried talking to them multiple times and they don't want to resolve the issue..now they said the are mailing new agreement paperwork over to start the process again. 
I would never though a company would take the wrong payment on purpose and then blame me for there mistake. I'm XXXX XXXX  XXXX and have short term memory problems and they are saying this is my fault. Every month I call and say I want to set up payment that's due. I can't seem to get any help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a attempt to collect {$350.00} credit report update XX/XX/XXXX as collection/charge off this a collection agency. They say the original account was opened in XXXX. There is no reflection of this account on my credit report prior to there claim to collect. Other then this charge I have zero negatives on my credit report. They have not provided me with the original account information where the account was opened and it has also reached the term limits for Tennessee law to collect this debt. I would like this negative removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: EVERBANK, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
When I had my mortgage with Ever Home. I entered into a repayment plan to bring my account current and to keep me from losing my home. When I entered into the agreement I was told that they would be helping me and that my credit would not be affected. While on the repayment plan I made every payment on time but they reported me late every month which had a devastating effect on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dear Consumer Financial Protection Bureau, I, XXXX XXXX, XXXX am filing a Complaint against Capital One Bank NA. In correspondence to my previous complaint ( ID : XXXX ) Capital One Bank NA mentioned theyre unable to find any record of them harassing me, XXXX XXXX via XXXX XXXX however, I do have the proof and evidence of the harassment committed by Capital One Bank NA . In fact, dated on XX/XX/2022 at XXXX, I received another harassment email from the entity ( Capital One Bank Bank NA ). 

Its very clear and evident Capital One Bank NA is extorting me, XXXX XXXX, the consumer, pursuant to 18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

Capital One Bank NA, you can NOT deny your actions it is evident and you must be held accountable for your actions.

Congress makes this clear pursuant to 18 U.S. Code 891 ( 7 ) - Definitions and rules of construction - An extortionate means is any means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, reputation, or property of any person. Capital One Bank NA you threatened to report my information to Credit Reporting Agencies which is evident and has RUINED MY REPUTATION!!!!!!!!!!

Ive noticed Capital One Bank NA deceptive business practices you elaborate mechanism you broke the law!!!!! You will be fined for each violation ( s ) pursuant to 15 U.S. Code 1692k - Civil liability ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, INC.
State: WA
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:
OnXX/XX/2020 I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX/Equifax ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Late fee

Complaint:
I went to XXXX last winter for XXXX months. I Notified my Chase bank that I was going to be there. Unfortunately, Chase has to verify the computer I was using overseas By sending a Email to me. My XXXX email was blocked too for the same reason. Unfortuntely, I was late in making a payment on my Cards ( Freedom Card ) Untill I found some one with a smart phone to call the bank Branch in XXXX Ohio and Made the payment that way. In the mean time, I was charged a late fee of XXXX Dollars do to this Mess. I request that the fee be refunded to me and Give me an easy way to make payments from XXXX, when I go next winter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
JP MORGAN CHASE IS LISTED AS TRUSTEE TO MORTGAGE LOAN TRUST XXXX XXXX. THEY HAVE SENT TWO LETTERS STATING THAT THEY HAVE NO INFORMATION ON MY MORTGAGE LOAN NUMBER, NAMES ON MORTGAGE OR PROPERTY ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Independent Recovery Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Department located at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX send my bill to a wrong address and finally send it to collections. Collection agency is called Independent Recovery Resources located at XXXX XXXX XXXX XXXX. # XXXX, XXXX NY XXXX. I have learned about the debt only after receiving the letter from collections agency on XX/XX/XXXX. I immediately contacted the agency via phone to verify the alleged debt and request more information about it. I was promised to send all the i formation they had regarding my debt. In addition, I mailed a certified letter to I.R.R. Requesting the same information in writting. Furthermore, through many phone calls, I ended up calling the XXXX XXXX department which confirmed that I had debt, as well as confirmed that all the bills were send to a wrong address. I requested the department ti send me a bill to the correct address, and take care of the collections as I have never been given a chance to pay the bill. XXXX, XXXX XXXX responsible for the departments billing told me that I have to pay my bill and then she will call collections and tell them it was an error. I have never received a bill from the XXXX XXXX and on XX/XX/XXXX I have learned that a derogatory mark was added to my credit report damaging it significantly. The same day on the XXXX, I received the letter from I.R.R. With the copies of information I have requested on XX/XX/XXXX. The letter was stamped XX/XX/XXXX. However, the same collection agency reported a collection debt to my credit the following day, on XX/XX/XXXX, never given me a chance to review the documents they send and to properly respond to them. Finally yet importantly, my credit score decreased by XXXX point from exceptional to good at the worst possible time when I was shopping for the mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I applied for a XXXX Chase Mastercard which offered XXXX mileage points if you charged {$2000.00} within the first three months of activation. I live overseas and my card got lost in the mail ( probably returned to sender ). When I asked for a replacement card 1 year later I was told the points would be no problem. I put {$2000.00} on the card within one month, but my request for the mileage points were denied. There was no activity on the original card and I had the new card sent to my address here in XXXX. XXXX blames Chase and I am asking for help here. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: MI
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  # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 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 explanation
Consumer complaint received 2016-05-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Monday XXXX XXXX 2016, I proceeded to the Chase Bank in XXXX XXXX IL. The sole purpose of my visit was to take my mom in to close her current account and to open up a new one, due to a scam that she encountered due to a purchase on the internet. Once that was completed I proceeded to open me a new account with chase, based upon a conversation that I had with a representative stating that I could do so because I no longer owe chase that money. So I proceeded, the account was opended and I went home, The following day XXXX XXXX 2016. I proceeded to enter a Chase branch in XXXX IL to request a different design debit card. At that time I was told that my account was closed, they snatched my debit card, and pushed me out of the Branch without a explanation. I then called the customer service number, who informed me of the same thing. but yet did not tell me why. Only that they will mail me a check, my account is closed, and no one else in the whole company can tell me why my account is closed. The funny part is, here today XXXX XXXX 2016 and my account is still open per my Chase mobile app, with the XXXX still in my account.That was my only means of money and yet they still have the account open, so how is that possible when chase was rude and lied and did not give an explanation!!!!!! I was treated unfairly and discriminated against!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NV
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Kashia Services
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Receive a phone call from my employer in XX/XX/XXXX stating that XXXX XXXX Inbox Credit is trying to attempt to collect a debt dated back XX/XX/XXXX with a wage assignment form. I called the company on that same day to resolve the debt they stated they couldn't help me and wanted my employer to send them back the form fill out with my payroll information. I don't even remember getting this loan out and no prior contact was made to be via mail or phone call. they sent my employer a incomplete form which I've attach.

Company response to consumer: Closed with explanation