BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase has caused a number of delays getting the repairs to my home complete. Because of this I have damage to items that are not covered by insurance that would not have been damaged had Chase not caused so many delays. I have sent emails to Chase about this since XXXX and more recently XXXX XXXX. I have asked the executive office to reply to my request on how they plan on handling the items damaged. I know this is my third complaint against Chase but the only way I get any replay is though the complaints I email the executive office every other day and have been about these latest issues but as of today XXXX XXXX still no reply or call from Chase about my problems. 
On XXXX XXXX the legal department finally noted in my file with Chase that the checks can now be issued to myself and contractor and not the estate of XXXX XXXX. I have told Chase that from day one - by them issuing checks in the estate of caused more delays. Chase issued check directly my contractor and I never gave them permission to do so, I only gave them permission to issue the check to my roofer direct because it was urgent to get the roof on. - Why did it take from XXXX XXXX to XXXX XXXX to realize Texas law and to follow Texas law -why did I have to suffer that long and have more damage to my property and personal property because Chase did not know the Texas laws. If they operate in Texas they should know the law and not learn it at customers expense. 

I need to know the following things - I have emailed Chase over 10 times these same questions and have not had one phone call as of today about it or an email reply. 

1 - Exactly what do I need to do do get the rest of the money for repairs- I was told I need to order an inspection at 75 % and then funds would be released after the inspection - is that all I need to do? 

2 -When my current contractor is done what exactly is the next step? 

3 -And what does Chase plan on doing about the items that were damaged by water and mold that are not covered under the policy - the items that were damaged while Chase lost my husbands death certificate and took over a month to send funds to get the repairs started the damaged items caused by Chases negligence not mine!! 

4- Why now on XXXX XXXX is it noted in my file that payments do not have to be in the estate of? 

5- Why did Chase issue Checks only to the contractor when I did not give permission to do so. 

6- In the future when I have questions how long can I expect to get a reply from my executive office contact person - XXXX is my contact but she goes weeks without contacted me about problems and concerns that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Lenox Financial Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have been trying to refinance with Lenox Financial Mortgage company since last XXXX. They have been waiting to receive subordination approval from XXXX XXXXXXXX XXXX ( I have a HELOC with them ) for some time now. 

One XX/XX/21, my XXXX credit card reported credit inquiry activity. It sited the source as XXXX, the inquiry date as XX/XX/21 and the company XXXX/Lenox Financial Mortgage Co. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Lenox did not call me to tell me they needed to run credit again and never asked my permission or received my permission to run a credit inquiry. When I called XXXX XXXX at XXXX about the credit inquiry she told me that XXXX XXXX was supposed to call me to let me know that they needed to run credit again. When I asked XXXX he said " I'll go check. The credit report have references numbers and sometimes get re-issued. They might have pulled a new report instead of re-issuing by mistake '' Since then, XXXX XXXX has never followed up or called me back to explain why Lenox ran my credit with my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
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: Was not notified of investigation status or results

Complaint:
I have attempted to dispute erroneous accounts on my credit reports with Equifax, XXXX, and XXXX. I have sent many letters with no response from the bureaus. This is a violation of the Fair Credit Reporting Act and the erroneous accounts must be removed. I have attached the last round of letters sent along with the certified mail receipt numbers for confirmation that the bureaus received the letters. 

Certified mail receipt numbers XXXX Equifax XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Stephens and Michaels Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Collection Company Name : Stephens Michaels & Assoc. 

Representative did not give her name until I asked, rep. never notified me call was attempt to collect debt, rep. never told me call was being recorded, rep. also claimed that there was supposed to be a pre-recorded message verifying all of those things before our call was connected ( implying auto-dialer ) but recording never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for mortgage loan back on XX/XX/2020 and had a credit inquiry placed on my credit report by Credco. This is understandable as I signed an application knowing my credit would be checked that day. One inquiry was noted on my Transunion report as well as my XX/XX/XXXX report. No issues. Then I noticed on XX/XX/2020 that I had another inquiry from the same company on my XX/XX/XXXX report in 2 inquiries on my transunion report. this was never authorized and I was never notified that my credit report had been viewed fraudulently.

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 2016-07-28
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been paying on this XXXX XXXX account for 3 years. I have paid faithfully. Now that the actual principal has been overpaid by me, I have offered to settle 2 times. Both offers of settlement have been ignored. The original debt was only XXXX and I have paid almost XXXX to this date. The debt Representative XXXX told me last YEAR that he would not stop the interest on my account unless he was able to contact me by phone every morning before I leave for work. XXXX told me he needed to check to make sure I was working even though I 'm a XXXX worker and only able to work part time. They garnished my daughters bank account last year and received child support. I have asked 4 TIMES for a WRITTEN financial account off fees paid to me mailed to me and XXXX refused. For some reason, these aggressive debt collectors falsely believe that unless they speak to me on my personal phone, then they are allowed to ignore me. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Sir/Madam, I received a promotional bonus offer letter from TD Bank on XXXX, saying if I open a TD Beyond Checking and make direct deposit funds of {$2500.00} or more, I can then receive a {$300.00} bonus ; similar if I open a TD Beyond Savings and deposit and maintain a daily balance over {$20000.00} for 90 days, I can also receive a {$200.00} bonus. I have completed the checking offer requirement by XXXX and the savings offer requirement by XXXX, but as of today, I still didn't receive either bonus. 

After contacting TD bank, I received the following statement : " Upon review, this account was opened using our Direct mailer campaign site. This was not an online offer. '' " In order to qualify for the Direct Mailer campaign, you must have received a mailer and the name and address on the mailer must match the name and address on the account. These offers are not transferrable. Unfortunately, the account does not qualify for a promotional bonus. '' It is absurd that I indeed received a mailer/letter on XXXX as I mentioned in the very beginning, and I followed each step to complete the requirement, but still could not receive the bonus. I would like CFPB to be involved in this case, and please help me to reach out to TD Bank, and further investigate this situation. I have attached the mailer I received as photos in this complaint. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Restricted # called ex-family member and provided same information. Then called me. This was in regards to my adult son, who has not lived with me for 7 years. Left a message on my phone that a case was filed against him in our local court, have an order to locate. Has been instructed to contact my sons employer. They are in the process of locating him at his work or residence right now. Once filed, he forfeits his legal rights. Call XXXX. Case # XXXX. I called this number and told them they were not allowed to reveal that information and were in violation of sections 804 and 805 of the Fair Debt Collection Practices Act and I would be filing a complaint. Also instructed them not to call me again. When phone was answered, said company was Midland, a litigation firm, and that they were out of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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 belongs to someone else

Complaint:
There are three accounts that are on my credit report that do not belong to me I need to know why these are onn my credit report and why after sending 4 rounds of letter s for dispute I have not receieved anything back from the bureaus I have even opened an FTC for these accounts and yet they are still on my report. This is identity theft and I need this taken care of asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
1- Customer Service is not available. Contacting the LoanCare Mortgage experience is horrible ; robot/ answered machine lead to end calls. Last month, waiting time prompt as 1 hours!. After several temptations, I had to call the previous mortgage (? ) to connect to this mortgage ( HomeLoan ) (?? ). The process took 3 days with many long waiting time. Just today, wait time estimated about 2 hours because technical problem.

2- Menu changed to unfriendly used. Took out the options from original loan, which is I can make extra payment occasionally. It changed to default monthly. In the other hand, I feel this change is a dishonest business.

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 2016-09-13
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have declared bankruptcy and Caliber has posted my home for Sherrifs sale twice during this period without requesting relief to do so. Please see the attached letter from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to XXXX XXXX & Transunion and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7XXXX XXXX {$1000.00}

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 2016-09-18
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went into bank to close account upon closing an account I made bank rep aware I had opened another account online. We worked to have payments and outstanding debits taken care of by the open account. A month and a half later the new account and my debit card were no longer active without prior notification to me. After the fact I received a later saying my account was closed due to insufficient funds on the account I went into the bank to close. After working with the original bank rep my account was reopened but no money was returned for those insufficient funds. Debit card also not restored and I have been a customer of this bank for over 20 years.

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
Consumer complaint received 2016-09-01
Company: ASTORIA BANK
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage closed and paid off in XXXX. I asked Astoria Federal to remove the wording " Account Paid for Less than Full balance '' which is misleading and assumes a short sale. I 've asked them many times to remove the wording, a month ago there was still the wording and XXXX late payment reported. Since I asked for your help, the wording is removed but now they acted out by adding in XXXX late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted XXXX of XX/XX/2021 to removed XXXX XXXX XXXX my account it still has not been removed. Therefore, I am contacting you to resolve the issue of removing the account.

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 2016-08-01
Company: First Data Corporation
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
My card account was placed on hold with any notification to me. The company ADP Totalpay accepted a deposit into the account even though they would not give access to the money ( they didnt tell me ). They have given me numerous reasons as to why this happened and none of their reasons make sense. I have sent them all the requested documents multiple times ( a copy of my drivers license, a copy of my paycheck and a copy of my social security card ). 
They have given false reasons as to why they can not use the documentation. Once they told me that my driver 's license it expired, however, it does not expire until 2021. They told me that my i.d . was too dark to read but they read me the information from it. They initially said that they could read my social security card, but after the 3rd time I 've sent in my documents they say they can not read the social security card. None of my files are blurry or dark. I have sent these same files to other businesses and they were read fine. 
I have gone a month without my money. The ADP TotalPay customer service will not allow me to speak with a supervisor. They just continue to place you one hold and then transfer you blindly to a line where no one ever answers. I only want access to my pay that was deposited on the card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get phone calls weekly from a XXXX asking for payment of a debt for a doctor which has been inflated to include a {$92.00} fee for the collection. I answer sometimes and call back sometimes because I am afraid if I do n't they will take further action. He challenges me and tries to get me to say things that are not true. I have told him several times that I will pay the medical bill but not the extra fee even though I felt the original bill was inflated and my problem still exists. I have been through a very rough time in my life. I have been trying to fairly resolve issues that went unresolved during this time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: AMERICAN EXPRESS COMPANY
State: KY
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 am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated as sated in the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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 information incorrect

Complaint:
XXXX does not report monthly payments to a credit report company. The last payment reported was in XX/XX/2020. I called XXXX to ask why it is not reported and did not get any clear explanations.

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 2016-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In 2012 my husband and I went into his WFargo branch to cash a {$50.00} check made out to both of us. I was not on his account. Although we were both present and had I.d., we were told we could not cash a check made out in both of our names. We were taken to new accounts and told we had to open a joint checking account. A savings account was open at the same time ( that we did not want our ask for ). The new accounts rep bragged about openings XXXX accounts that week. Thereafter I received a late fee notice that I had not paid my Wells Fargo credit card invoice. I have had this card for 20+ years and always pay off the balance each month. After the branch opened the joint checking/savings account they stopped mailing my statements. I was told they were mailing the statements online. I do not bank online because of threat of hackers, etc. It literally took hours on the telephone, trips to the branch and paying interest on a balance due. I was so angry at the new accounts rep that I wanted to strangle him ... .all for a measly {$50.00} check that we could have cashed at XXXX branch. I am no fan of Wells Fargo. They lost my trust!

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 2021-04-02
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 belongs to someone else

Complaint:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX Bank XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX Na on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

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