BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: CT
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:
Experian continues to allow these company to put collection in my report They have been removed previously and now they are back the companies are XXXX XXXX XXXX XXXX I do not owe them any money nor have a balance with them please remove from my report once again. 
'Fair collections this account also was removed from my report and now it is back in my report please remove I do not owe them a balance and Experien has not related to me the out come they did remove this account and now it is back I want XXXX in dispute XXXX and XXXX XXXX  should be removed there balance is wrong and the time limit it up for them to be in my report. 

thank you 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 2016-10-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My lender refuses to work with me. 

Initially Select Portfolio Services made me an offer for loan modification but once I received the offer, my wife had an accident and injured herself. 
My wife fell at home and XXXX. She is XXXX now and unable to work. We have lost her income and fear her XXXX will be permanent at her age. 
We are simply asking SPS send us a new application for modification due to the fact we have experienced this new, unexpected change in circumstance. Also, the reduction off our household income is greater than 30 %. SPS ignores our requests for help and refuse to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: ZIONS BANCORPORATION
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX and XXXX At Zions bank took {$4400.00} out of my cash reserve with out notice, they said they were ordered to take it out, I told them I did n't owe anyone money and maybe they were looking for somebody else after they reviewed the collection they saw that it was not my debt and they told me they where going to charge it off and not to worry about it years later XXXX and XXXX have been calling and and harassing me to pay it saying I owe him {$8000.00} this is not my debt they stole money from me I want them to correct the situation and give me {$10000.00} for harassing me for the last XXXX years I want him to take it off my credit as well this is not my Debt have them Prove that it was me they where after for the collection of the Debt and that it was me they where ordered too take money from and you 'll see that this was not my debt XXXX just did the same to their costumers as well

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 2021-09-28
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I received a letter from our loan holder, Rocket Mortgage, on XX/XX/XXXX, in which they indicate our property is now located in a Special Flood Hazard Area. I called them to explain that our house is some 50 feet or more above the flood zone, to which they explained that they had nothing to do with this, and that we must work through FEMA to revise the assessment. 

On XX/XX/2021, I submitted the request for a revision to FEMA, at which time I learned that the process may take up to 60 days to complete. I therefore contacted Rocket Mortgage asking them to extend their 45 day window to 60 days, but they declined, citing XXXX XXXX XXXXXXXXXXXX XXXX XXXX. My reading of this rule is that the 45 day window is a minimum. The rule says, " at least '', which does not mean, " at most ''. 

I have contacted them again and asked them for this extension. Moreover, I believe they are perfectly capable of revising their own internal documents without the assistance of FEMA because my documentation ( including USGA topographical maps, certified surveyor 's maps, XXXX XXXX photos, and my own photos of the land ) shows clearly, without any question, that the house is not even close to a flood zone. 

I have the emails, maps, and photos if you need them. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 

On XXXX XXXX, 2015 Funding Suit Mortgage reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Equifax to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Equifax with the opportunity to remove the item before it has harmed me any further. I contacted your offices in Georgia and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. Thank you and Happy Holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: First Associates Loan Servicing LLC
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Peaks private loans, I have never received any written correspondence from them ever. I was forced into this private loan through XXXX XXXX. The only way to see a balance is from their grossly outdated website and charge extra for any little thing. I will not allow this company to ever have access to my bank account in the form of an auto payment. Avoid Avoid Avoid!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received an offer from Chase XXXX Mileage Plus explorer card that offered XXXX " free '' miles after spending {$3000.00} in the first three months. The problem is that I use the internet link to apply and it only offers XXXX miles. I called customer service and they said they were unable to help. They suggested applying and the calling back to get a " premium match ''. I 'm not interested in calling back and begging for the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is the XXXX time I am contacting the CFPB in an effort to assist with my short sale. I have ha an active office into Chase since the end of XX/XX/XXXX. It is now the beginning of XX/XX/XXXX. 
Over the last five months my husband and I have provided every piece of information requested promptly and have attempted to help this process move along. 
As of XXXX we had not received any update from Chase for close to two months, at which time we submitted a CFPB complaint. XXXX XXXX from their Executive Office contacted me within two days. After some back and forth she advised me our file was " lost '' within underwriting and it had stalled their for 30 unnecessary days. She assured me the file had now moved on to the next step and she would assist us throughout the remainder of our process. 
At this time, I have left XXXX messages for XXXX, none have been returned. The last time we spoke was toward the end of XX/XX/XXXX. I called the Executive line and attempted to speak with anyone, but I was told only XXXX could assist me. The gentlemen I spoke with said he would email her and CC her manager with a request to call me back ... That was the beginning of XXXX. No word from XXXX. 
My file moved to a negotiator, XXXX XXXX, XXXX XXXX. On XXXX XXXX he spoke with my realtor advising we needed a new evaluation on the property. This have been completed but now XXXX is advising that our file has been pulled into some mysterious internal audit. He is very cryptic stating he does not know what the audit is for, why it was pulled and that he nor his manager can speed it along. I have spoken to XXXX XXXX times within the last ten days, each time he states he expects the file that day. 
My husband and I did not make the decision to short sale lightly. It was with a heavy heart that we realized we could not maintain the home or provided the needed repairs due to it 's age. We wanted to do the right thing my completing a short sale versus just foreclosing. However, Chase is prolonging this process at every turn and almost seemingly forcing us into foreclosure after months of negative credit reporting due to their poor internal processes. 
My husband and I have been maintaining utilities on this property and general maintenance since we moved in XXXX. With it now being XXXX, this is becoming a large financial and emotional burden on our family. 
All I am asking for is your assistance in finalizing this short sale process. I have called every number available to me and get no where. Again, please acknowledge that even the individual assigned to assist me in the Executive Office has failed to maintain contact. 
Please, any assistance you can provide in finalizing this process once and for all would be welcome. I am fearful this buyer will walk if the process goes on much longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my mortgage with Chase. My old mortgage was also with Chase. They were suppose to mail me the entire refund from my escrow account. Instead they only mailed me a check for {$15.00}. They should of sent {$790.00}. I called the loan officer, And went to see him several times. He said he never saw this happen before, And he would call me back. He never calls me back. I also called another person at chase. She said I should have received the total escrow balance of {$790.00}. She never called me back. This has been going on for over 6 weeks. No one at chase will give me any answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called JP Morgan to inquire about the status of loan # XXXX XXXX issued by XXXX to XXXX.- Tax ID XXXX in XX/XX/XXXX for $ XXXX. 
Loan was, according to our records, paid off XX/XX/XXXX. 
JP Morgan transferred me to several departments and when finally it appeared that I got the right department, a lady - XXXX from Texas said that she did n't know who could help me either ; however, she was going to have someone call me at the end of the day. That never happened. 

My name is XXXX - shareholder at the XXXX to whom JP Morgan extended the loan back in XX/XX/XXXX under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: American Credit Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XX/XX/2016 and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged {$1900.00} for XXXX theater tickets by XXXX. I wanted to look for the prices for XXXX tickets to see XXXX, XXXX XXXX show on XXXX XXXX, 2016. I emailed XXXX and was taken to XXXX site. I saw XXXX tickets in the XXXX but the cost was written within a range. I wanted specific information. In order to find out the price of the tickets I had to enter my e-mail, name and address and credit card information. When I saw the tickets would cost over {$700.00} I quickly left the site without clicking the purchase button. To my surprise I received an e-mail from XXXX thanking me for ordering XXXX tickets. No cost was listed in the e-mail. I immediately tried to call XXXX but their phone was not answered so I e-mailed them about correcting their mistake. I finally spoke to XXXX representatives who said all sales are final and to sell the tickets on XXXX or XXXX List. Since I did not buy any tickets I could not sell any. I went to my Chase Bank online account and found I had been charged {$1900.00} for XXXX tickets. I called Chase Bank Cardmember Services and disputed the charge. They gave me a temporary credit on XXXX XXXX, 2016. I heard nothing more until XX/XX/2016 when I received a call from Chase Bank saying they were charging my card again for {$1900.00} due to information received from XXXX. They said I purchased the tickets and Chase believed their statement. I do not want this to happen to anyone else which is why I am fighting this illegal charge. I would appreciate any help you can give me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this account many times with XXXX the credit agencies and with Carter Young. The credit agencies stated that Carter Young verified that this account belong to me. I yet to see my signature on any documentation. I was a victim of identity theft. My purse was stolen and some credit cards was fraudulently use. I have notified both the credit agencies and Carter Young and this account is still reporting on my file. They both are in violation of the FCRA in reporting items that do not belong to me. I need your assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: PHH Mortgage Services Corporation
State: TN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PHH Corporation will make repeated calls " Robo calling '', so when I pick up no one answers, they pick up one time and had a real person. These calls are in reference to a {$60.00} escrow that was tacked on and we were not notified by mail or e-mail so they started the harassing calls the next day.I 'm on the do not call list and registered a FCC complaint as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 called transunion on today XX/XX/XXXX and spoke with a lady. XXXX agreed that 2 inquiries did come off of my credit report however she does not know why my credit score has not moved. This is hinder my attempt to get positive credit and the fact that they can not give an explanation as to why it has not moved my credit score up does not make sense. 2 inquiires came off of my credit report. One from XX/XX/XXXX from XXXX and another from XX/XX/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 2021-09-28
Company: Experian Information Solutions Inc.
State: FL
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:
I have reached out to the Credit Bureaus regarding false and fraudulent non authorized inquiries on my credit report to be removed. I sent them mail and they said they did received the mail but did not need to respond because i needed a letter from you all to prove that it was fraud and they will remove them. I sent the letter in XXXX and they said they received it XX/XX/XXXX. 
!. XXXX XXXX XX/XX/XXXX Was not authorized by myself. XXXX XXXX XXXX XXXX  XXXX Ohio XXXX 2 & 3. XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX XXXX  XXXX  inquiry requested on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX None of these inquiries were made by me and XXXX, and Experian are saying that i need to file a report with you all to prove that it was not from 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 non-monetary relief
Consumer complaint received 2021-09-28
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs Apple. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: PAID IN FULL, INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was an XXXX, ( XXXX ). Under the corporation, we leased an office. We closed the doors on the corporation a few years later due to the economy crash. We held on as long as we could but ultimately had to close up shop. The corporation had a balance left on the building lease and leasing company decided to send it to collections under my personal credit file. We opened the lease under the umbrella of the corporation and my personal credit should not have been damaged. " Paid in Full collection agency '' is the name of the collection agency coming after me for the corporate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase To whom it may concern : I 've been undergoing a hard financial time since beginning of XX/XX/XXXX ( family emergency- please see my hardship letter on file ). 
I got late on my payments, but still willing to keep my property and have applied for loan modification ( any little help is very important in my situation ). 
Received review of my options on XX/XX/XXXX but was n't agree with some numbers on Eligibility Data pages and have my application re-submitted again. 
Received another review of my options on XX/XX/XXXX. 
The only XXXX program that fits my situation is " Home Affordable Modification '' ( Tier XXXX ), but this program was not even indicated on the list of " Options For Which You Are n't Eligible ", ( Section XXXX, page XXXX of XXXX ) Besides, this list indicates XXXX XXXX modifications, but this loan is not XXXX loan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Monday XX/XX/2016, I call Chase Manhattan Bank to stop a Check that I gave to a XXXX, but the XXXX did n't do the Job, after try to contact the XXXX several times without answer, I was trying to stop the payment, and confirm that the check was no cash, When I call the bank the associate confirm that the check was not cash and I gave him the information of the check I was not at home so I only had the XXXX XXXX numbers of the check number but I had the the amount of the check {$6700.00}, and the name of the company ( On the check ) the associate said that the information was enough to stop the check, but besides that Chase Manhattan cash the check. I said several time to the associate if the information was enough and he said yes. Beside that when the check arrived Chase cashed the check and tried to blame me for that, they were not allowed of cash the check after I stoped the pay of the check.

Company response to consumer: Closed with explanation