BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
Company: JPMORGAN CHASE & CO.
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX NA Date of inquiry : XX/XX/XXXX This is not mine. 

12.Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had my original loan with XXXX along with a XXXX mortgage, and when the financial crisis hit I was no longer able to meet payments. Instead of opting the foreclosure route, I decided to pursue a short sale. Upon notifying XXXX that a short sale was being pursued, they began servicing my XXXX mortgage at Greentree. In XXXX 2011, my condo was closed as a short sale and I gave up my home. Both Greentree and XXXX accepted settlement payments to facilitate the short sale. Greentree continued to call me for payment after the short sale was completed, sometimes XXXX times per day while I was at work. I was n't always able to answer, but I did my best to communicate to them that the property was short sold. They told me to borrow money from family, put it on credit cards, etc ... I did n't have the money to pay, but they continued to call. 

Now, They have hired attorneys to sue my in county court. I am due to be present this Wednesday at XXXX. I have been trying to get my life back together since I lost my house, and this would devastate me. 

I had opted the short sale route, because everyone I spoke with said that was more responsible than just walking away and letting it fall into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On or about XXXX XXXX, 2016, I applied for a VA Mortgage with Quicken Loans ( QL ) because QL was listed as the nation 's second largest VA Mortgage lender at the VA website. QL demands that I prove that I possess {$12000.00} on hand to cover for the closing costs, however, QL refuses to break down what closing costs amount to that number. I did convey to QL that I had {$12000.00} in cash assets available before QL demanded {$12000.00} for the closing costs and then increased the amount to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: LA
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 never made these inquires and EXPERIAN is saying they verified them as valid. I want my credit report to report accurately, this is hurting my chances as progressing as an American citizen. This public record is inaccurate and needs to be removed from my credit report : XXXX XXXX XXXX  LA XXXX XXXX Bankruptcy 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 2021-06-16
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank closed account without valid reason. 
Cause bill pays to be return At expenses. 

Funds were not received

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: First Data Corporation
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
TRS recovery services, INC. sent 3 separate notice of unpaid electronic transfer from telecheck services stating I had stopped payment on XXXX checks. No account or bank information was provided. I do not use telecheck and I have never written checks to the retailers identified in the letter. I checked with my credit union where I have my only checking account and no bad checks had been written on my account. I have sent notice via registered mail to TRS that I did not write these checks and that I will not give them any personal information as the letter states it will be used to recover the debt. They are continuing to call. I assume I may have been a victim of identity theft but I do not even have enough information from TRS to check on it. No bank name or location of where these supposed checks were written.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted XXXX XXXX XXXX XXXX XXXX ( original creditor ) I have never had their service their records confirm that fact.

Contacted EOS CCA.. consumer identification shows a name of XXXX XXXX XXXX XXXX Advised them that is not my name, no one of that name has ever lived at XXXX XXXX XXXX XXXX. 
They instructed me that clearly I was not the person they were looking for.I was further instructed to ignore their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Experian Information Solutions 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:
There are accounts listed on my credit report that do not belong to me. Please remove them immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received an email from the company I applied for stating that I had an active XXXX case against me when it fact my case was disposed of as of XX/XX/2020 and I have the records with it. I was in XXXX living at the time and had already held down a nearly full time job with close to 9 months of XXXX. If the records are needed then I will provide but the fact that an issue like this would impact the way people would think I would work is offensive and extremely disrespectful as someone that has made the effort to get XXXX at the age Im at and still able to uphold responsibility and live life like any other person in society.

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 2021-06-16
Company: DISCOVER BANK
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:
I have the following account that does not belong to me and i want it to be remove from the 3 credit reporting agencies.

1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: FIRST NATIONAL BANK OF OMAHA
State: MO
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:
My daughter paid the credit card company with her bank account. After 3 days it still didn't go thru. I myself paid the bill again b4 the XXXX when my payment is do. They still process another payment with updating my acct number after I spoke with them and gave them the correct number!!! They took it upon theirselves to close my acct without warning, charge me another XXXX bucks for return check and late fee. This is unacceptable. The bank name is XXXX XXXX XXXX ; and actually I thought it was first bank credit card. This credit card company is unprofessional and they are doing illegal practices to get extra money. I have no problem with my other credit cards..just this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-15
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company ( Green Tree Servicing LLC ) sends billing statements out late or not all. Many times the statements are not up to date ( correct billing amount ). Then they hit you with late fees and bombard you with harassing phone calls throughout the day trying to get you to pay by credit card over the phone. When I purchased the property, my aggregate credit score was XXXX and I have n't had these problems with previous mortgage companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial ( formerly Greentree Servicing ) withdrew {$2000.00} from my escrow account for annual property tax payment to the county. The property was under contract to be sold. Ditech never submitted the payment to the county therefore requiring me to make the full annual tax payment to the county out of pocket. The property has now been sold and my account is closed. I 've contacted Ditech weekly for the past month requesting they refund the escrow monies taken from my escrow account but never paid out to the county. Each time, they assured me they would locate the funds internally and issue a refund. However, this has not taken place yet. Each time I speak with XXXX XXXX, tax manager, he is unsure of where the funds are internally and tells me he hopes he can locate them in hopes that he can have them refunded. As of today, my account has been closed for 30 days as I have sold the property and paid off the loan. The escrow amount of {$2000.00} has not been located and refunded to me and Ditech has not been able to provide me with a confirmed resolution. XXXX XXXX confirmed that the payment was withdrawn from my escrow account referencing a county payment, however the payment was being held internally and would not be sent to the County until XXXX XXXX, 2016. As of now, the funds are unable to be located and are due to me as the property has been sold and taxes paid by account holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent letters to this company to request that inaccurate addresses be removed from my credit report. There are 2 addresses that are inaccurate on my report and as a consumer my results have not been furnished.

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 2022-04-12
Company: EQUIFAX, INC.
State: MD
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 the following inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company M & T Bank is currently giving me the run around. I am under the Covid 19 Forbearance program. I have asked on numerous occasions that I have various different options to pay back the forb payments. One of the options is a loan modification. I have asked on numerious times for a loan mod. The mortgage agents have told me I do not qualify, I do not qualify for a hamp mod because I have to have my mortgage with them for one year. Finally I called FHA and they told me that I do qualify for a HAMP MOD and I would qualify for a lower rate. So they gave me a case number XXXX. They told me to call M & T back and speak to a manager. Again I call and I finally thought I was making progress I get transferred to a female who said she was a manager and her name was XXXX she told me that I was right and that they never reached out to FHA to see what rate I would qualify for to get the loan mod. She told me that she would do everything possible to assist me and get with the loss mit team and contact FHA to resolve this matter she told me she would call me back in one week. Well today I get a call from M & T bank asking me if I decided on what options I wanted to do to repay the forb payments, when I asked about the manager calling me back and loan mod hamp she told me she did not see that anyone was scheduled to call me back, Again I am getting the run around. I need to file a law suit or take legal action and I need FHA to get involved ... ..I am not getting the assistance that they promised and I continue to be lied to ... ..and I believe that the agents are claiming to be managers but only pass me over to one of their co-workers which is misrepresenting their company. I want to see what I can do legally for M & T bank giving me the run around

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 2021-06-16
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Received an envelope with a promissory note of an {$800.00} loan and total loan amount to pay back {$2000.00}. This is Fraud!! Cashnet USA is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received an offer letter to purchase a home refinance from Quicken Loans. Knowing that the standard practice is to specify any points required to buy down an interest rate with a specific credit score we allowed XXXX to inquire with the credit bureau. They respond stating that the pre qualified offer letter we received that says we can refinance at 3.5 % with a minimum credit score of XXXX was falsely advertised. A credit score of XXXX would require a purchase of XXXX points whifh the offer letter did not state. We met the LTV and debt to income requirements. 

In short, we were responding to an offer for a specific rate of interest on a refinance with the required minimum score and allowed a hit on our credit file based on the absence of any associated costs in the offer, we assumed standard closing costs etc. This offer leyter was a scam that costs our fragile credit rebuilding challenges a burden we did n't need.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: College Assist
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have XXXX Stafford unsubsidized student loans from XXXX that originated under XXXX, XXXX of which has been passed on to College Assist and is now in collections. They claim that the loan is in default because their information says that I stopped going to school in XX/XX/XXXX or XX/XX/XXXX ( not sure ). As far as I know they are going to do the same with the XXXX loan as well. 

- I was in school continually from XXXX XXXX to XXXX XXXX, and I can provide documents to prove this - All my other student loans have either been or are now in - grace period, forbearance, or deferment - to this day - Not in any of their letters did XXXX or College Assist identify which specific loan they were referring to in terms I could correlate and distinguish from my other loans - When College Assist informed me by letter of their intentions to take legal action, the date of the letter was XXXX/XXXX/XXXX, and it said I had 10 days to contact them. When I did call XXXX/XXXX/XXXX I was informed I was too late and the loan had already gone into collections - There is a pattern of deception and disregard for my rights in their correspondence and actions - I sent them a certified letter stating this information on XXXX XXXX XXXX and requested they call the loan back from collections and allow them to be included with the others in forbearance or deferment. I never received a reply to the letter - They are now withholding income from my paycheck, which I discovered only through my employer. I was not served or allowed to defend the issue in court, nor have I had the means to do so at any time To reiterate ; part of the reason I did not react sooner to the letters from XXXX/College Assist was because never once did they identify the loan ( s ) in question with a comprehensible account #, original loan amount, or original loan date, making it beyond my capacity to know which of my XXXX loans they were referring to. My first inclination was to believe it was a scam. 

I am taking action now through CFPB because I only just discovered its existence, as I previously thought I had no resources to fight this issue. 

I believe I have a right to have both these loans in forbearance/deferment along with my other XXXX loans. Can you please advise on what action I can take? 

The loans in question : - XXXX - XXXX/XXXX/XXXX {$3000.00} original amount, XXXX XXXX XXXX XXXX, CO - XXXX - XXXX/XXXX/XXXX {$4500.00} original amount, XXXX XXXX XXXX XXXX, CO ( this is the one in being collected on ) Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/15 we began to receive phone calls at our home from XXXX XXXX of Debt Recovery Solutions calling for a " XXXX '' XXXX. A message was left on our answering machine stating that if we are not that person/do not know that person to visit their website at : www.drssol.com or call XXXX to remove our number. We could not locate the website, so my husband called the XXXX # and left our phone number asking it be removed. 
On XXXX/XXXX/15 at XXXX & XXXX XXXX. we received the same phone call/message. Again, my husband called the XXXX # and left our phone number asking it to be removed and the calls to stop. 
On XXXX/XXXX/15 at XXXX XXXX. we again received another phone call, same message and once again my husband called the XXXX # and left a message to remove our phone number and to stop calling. 
There is no " XXXX '' XXXX at our home phone number and we do not know a person by that name. 
This is not a live person placing the call from Debt Recovery Solutions, but a recorded message, saying they are debt collectors and attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I applied for credit with synchrony Financial in XXXX. My total bill was for XXXX.. A week later I checked my account and there was an extra XXXX. I have called the company several times and the issue has yet to be resolved. I Have spoken to XXXX ( manager with XXXX XXXX : XXXX ). I have contacted XXXX XXXX general manager of XXXX ( XXXX ). I called the company directly and spoke XXXX ( ext XXXX ) XXXX ( ext XXXX ) XXXX ( did n't get her extension ). I never agreed nor did i receive any services totaling XXXX the issue has yet to be resolved.

Company response to consumer: Closed with monetary relief