BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
case number XXXX XXXX of XXXX this is concerning house on XXXX ohio XXXX about three or four years ago I borrowed {$120.00} our payment was XXXX a month we paid it down to about XXXX to XXXX when OBama came up with the modification loon we thought that would be good so we could have some extra money to help our children. when I called chase the lady said that we had never been late or behind so the only way we could get help was to stop paying or payment when we heard from them they said to send in XXXX.for 3 month trial then they would work out a payment plan then they said that time had lapsed and we would have to send XXXX for 3 month then XXXX then XXXX then XXXX up to XXXX is what they wanted they would n't work with us we ended up in court in the meantime we received a XXXX check from chase for or part where chase had done homeowners wrong. then chase sold us out to XXXX but chase continued to take us court in the meantime raven cook called me and said she had good news that my payment would be XXXX and that included taxes and insurance and that now we would n't have to go back to court.we sent in XXXX or XXXX payments then back to court again I told the lawyer that I had what raven said on tape a couple days latter chase sent our last check on payment back we were in foreclosure the bank bought it for XXXX and turned it over to a realtor then another realtor.i had a realtor to check with them and they said that no one related to us or by marriage could ever get the house back. we had an attorney who was trying to work with us and possibly even renting the house it seams like a night mare.one morning there was knouk on the door it was a sheriff with an eviction notice and people to seat our possessions out of the house I told them or attorney said that we had at lest two moor months but they said today it was raining awful they put our things out in the yard it rained for three days a lot of our possessions ruined our couch is still in the yard where are my pictures & & & my wife is XXXX and I am a 100 % XXXX XXXX veteran I went off to war and thought that we was doing right. XXXX of us died and over XXXX of them that died then. my country let chase bank steal my house this has been very stressful on us both. we also have a son that has XXXX that was affected by losing our house we would have been so much better if we had n't ever heard of a modification loon where is my help many other families have lost their homes also by modification PS I WANT MY HOUSE BACK BEFORE IT IS SOLD FOR WHAT WE WENT THROUGH AND OUR STILL GOING THROUGH WE SHOULD NOT OWE ANYTHING I THANK THAT JPMORGEN CHASE WE SHOULD BE PAID THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check in the amount of {$140000.00} ( proceeds from the sale of a home ) were deposited into CHASE joint checking account. The check was cleared with no holds on it. 

So I transferred the funds to other banking institutions, including an investment firm for my retirement account. 

Two days later CHASE placed a hold on those funds citing that according to the deposit agreement they can place a hold on funds " for two weeks to six months '' even AFTER those same funds are cleared for deposit. 

Thus far, I have incurred approximately {$200.00} insufficient fees due to CHASE placing a hold on the {$140000.00} after clearing the deposit. 

When I requested reimbursement of the {$200.00}, I was told " CHASE will not refund fees incurred from external banks '', again citing the deposit agreement. When I stated per their documentation that the {$140.00}, XXXX was cleared by CHASE and then two days later placed a hold on said funds, that it was their error, they still refused to reimburse those fees. 

I filed a complaint with CHASE management regarding these unfair business practices. 

I am filing the complaint with CFPB as again unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent suntrust a check to pay the escrow shortage ( for the 4th year in a row ) and for the 4th year in a row I was sent the WRONG statement. Because I paid the escrow shortage I should have gotten a statement for the LOWER monthly mortgage amount but of course they still sent a statement for the higher amount. I was told last year that this problem had been fixed and that I would receive the correct statements in the future if I paid the escrow shortage. That was clearly a LIE. I also asked several times for someone to explain why my escrow is short EVERY YEAR. But again no one has because for the 4th year in a row my escrow has been short. This is not a problem I 've had with other mortgage companies and I do not understand why suntrust can not get it right and no one will answer my questions. I am tired of their complete incompetence and lack of customer service. This is UNACCEPTABLE. They need to send me a CORRECT bill IMMEDIATELY for the amount due XX/XX/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 2021-09-29
Company: The CMI Group, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX... XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... CREDIT MGMT ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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: Information belongs to someone else

Complaint:
Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalseaccusationsandfraudulent accounts

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 2021-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
The accounts of CAPITAL ONE BANK USA N were reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
CAPITAL ONE BANK USA Balance {$220.00} Opened Date XX/XX/XXXX CAPITAL ONE BANK USA Balance {$74.00} Opened Date XX/XX/XXXX CAPITAL ONE BANK USA Balance {$0.00} Opened Date XX/XX/XXXX CAPITAL ONE BANK USA Balance {$0.00} Opened Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
Account was moved from XXXX to Citibank. During this time I was out of town, but had auto-payment set-up. I was not notified before my departure that the move would be made, and this caused my account with a balance to be moved to Citibank. When that happened, my auto-pay was cancelled by Citibank and I was made delinquent. I contacted Citibank and they agreed to nullify delinquency and my fees/interest as the move to Citibank was made by them and my auto-pay was cancelled without my permission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone using my name to hook up cable in XXXX Arizona and I live in XXXX Florida. Doesnt make sense and now I have a collection on my credit report of 700 plus dollars.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX  reverse late payment fee for late payment of XX/XX/2021, I explain to XXXX this is an app issue and my bank account was disconnected and thats the reason for the late payment.. according to 15 USC 1681 602A states I have the right to privacy 15 USC 1681 section 604A it also states a consumer reporting agency can not Furnish account without my written instructions 15 USC 1666A a creditor may not treat a payment on accounts under an open end consumer credit plan as late for any purpose. Attach is the email stating they reverse my late payment fee as well also on Experian its being reported as XX/XX/2021 XXXX its being reported XX/XX/2021 this information is all inaccurate this is a Violation of my federally protected consumer rights

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 2015-05-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Equifax required me to purchase a credit report from them for {$15.00} just so I could find out if my account had a credit freeze on it or not. I should not be required to purchase a product just to find out about my own personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Porania, LLC
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 form 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 Chapter 13 Bankruptcy Case Number : XXXX This is not mine. 

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

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

4. Identity Theft 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/XXXX  Account Number : XXXX This is not mine. 

7. XXXX XXXX XXXX  XXXX XXXX PC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-29
Company: CORELOGIC INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a Bankruptcy being report on my report that I have no knowledge of. I have reached out to XXXX XXXX and they do not have a record of a bankruptcy under my name and SSN. I will attach the letter.

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 2022-05-04
Company: EQUIFAX, INC.
State: CA
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:
Inaccurate information is reporting on my credit. XXXX, Equifax and XXXX are reporting different information about the same account According the FCRA and account should report accurate information like payment status, last day of activity. 

I have disputed several times with the credit bureaus the FCRA VIOLATIONS but they do not update ANYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ACIMA CREDIT, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
ACIMA XXXX XXXX XXXX, balance is {$1300.00} and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
I C SYSTEM ( Original Creditor : 11 ATT U VERSE ), balance is {$260.00}, and account # 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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Why do you keep in reporting this fraudulent accounts in my credit report under TRANSUNION Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my request, It appears you are also abusing your power under the FCRA to escape a complete investigation. 

Here again is the fraudulent accounts that being reported : XXXX  account # XXXX bal is {$0.00} I'd like to request that you proceed with my original investigation request and send me the results within 15 days. As a result, I will legally and legitimately deny your " form letter, '' giving you only 15 days instead of 30.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
FOXCOLLECENT ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ), balance is {$390.00} and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Monday, XX/XX/XXXX, I received several emails from a financial services app called Chime, letting me know that an account was opened using my email address, and that a service called XXXX  was activated. ( This appears to be an overdraft protection feature, covering up to {$5.00} of overdraft ; this feature was used immediately, with whoever opened the account purchasing {$.00} worth of something from the XXXX XXXX XXXX ). 

I have checked my bank accounts and credit cards, and I can't seem to find any evidence that my personal financial information is linked to this Chime account that was opened using my information. However, on Tuesday, XX/XX/XXXX, I received notice that a Chime Visa card was being sent to me, and the address in that email matched my actual physical address. As a XXXXXXXX XXXX XXXX XXXX, my personal information WAS recently compromised, with everything from my social security number to my address and phone number being stolen, along with thousands of other employees '. I have credit monitoring and everything, but this was a disturbing first case, I think, of someone using my information fraudulently. 

My complaint is that I immediately tried to contact Chime to get them to cancel the account, and I have emailed them several times now : three times on XX/XX/XXXX, once on XX/XX/XXXX, and once again this morning ( XX/XX/XXXX ). On XX/XX/XXXX and XX/XX/XXXX, I received automated email responses that assured me they take fraud very seriously, but then also asked whether I was sure that I hadn't opened a Chime account months or years ago. And no matter how urgently I've tried to communicate their need to shut this account down immediately, I have yet to receive any communication that suggests a real person is taking care of this, or that there's any urgency to address fraud when someone brings a case like this to their attention. I don't know how much of my personal or financial information might be in their database right now, I don't know who might be using it, and I don't know how much risk my own credit reports/credit score might be under ; I would have loved for a Chime representative to communicate with me, but because they have not, I hope the CFPB can help.

One last note : Chime 's phone tree is an absolute nightmare. It goes nowhere -- whether you tell them you're an existing customer or not, they redirect you to the website or to the email address, XXXX. It was not possible to speak to a real person when I tried it on XX/XX/XXXX, and that is why I've been emailing them so much. If I could have called and gotten it resolved right away, I would have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Westlake Services, LLC
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: Old information reappears or never goes away

Complaint:
i previously financed a car which was repossessed and resold in an auction which still shows a balance on my credit also " closed/paid '' and still reporting late payments to all 3 credit agencies, ive submitted multiple request to have account deleted the company doesnt respond

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: SUNTRUST BANKS, INC.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I requested that my checking and savings accounts at a previous bank ( Suntrust ) be closed. At the time of the request, they were both in good standing with XXXX balance. 

My savings account was closed, but my checking account was not. Additional charges were posted to the account a week after the account should have been closed. Because of this, the account is now delinquent, and I can not close 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 monetary relief
Consumer complaint received 2022-05-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification in 2019 with my mortgage company. I received a letter from the mortgage company in XX/XX/2019 stating that the modification documents were received and being processed one week later the mortgage company put the house into foreclosure and all payments after then sent by me to the mortgage company were returned to me. I signed up with XXXX and explained I was doing a loan modification XXXX works with my mortgage company and was helping to process the modification. XXXX promptly submitted all required documents. We waited to receive a response from my mortgage company. During this time I didn't make any other payments as they were previously being returned to me. I went to XXXX XXXX XXXX Maryland courts in XX/XX/2019 and let the Judge know I was working with XXXX to remedy the situation and was granted the ability to stay in the home while working with XXXX to save my home. The mortgage company was present. We filed several loan modification applications as well as reached out for status to no avail. I was purposely ignored or simply looked over during this process. No one gave any other information besides court filings, letters, and multiple scare tactics sent by the mortgage company and trustees assigned even after the court hearing.

Company response to consumer: Closed with explanation