BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I waited patiently on a short sale house ( XXXX ga ) for a year. Did everything I was suppose to do, like keeping all papers upto date. Even signing amendments as if the attorney had everything under control. Then to be told by my realtor that my case had just been whipped out of the system and he ca n't get intouch with anyone was very unfair to me. I put my life on hold believe that this home would soon be mine. To being told it was in foreclosure and there was nothing I could do about it. Is truely unfair to me and my child. If the bank knew that they had no intentions on letting me buy the house a denial letter should have been sent not having a person wait for so long and still not go about the situation the correct way. Now I have to crush my XXXX year old heart by telling her a house that we thought was ours, we never had a chance of owning. Thanks to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Unexpectedly I received a new Chase Amazon Rewards Visa card in the mail. I did not request it or apply for it. So far Chase has not closed the account or explained how I ended up receiving it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card
Issue: APR or interest rate

Complaint:
I was called on my cell phone by a man name XXXX XXXX, i was then transferred to a man named XXXX XXXX from credit card services. from there we called XXXX of my credit card companies to ask for a lower interest rate. they prompted me that I would owe XXXX $ and were aggressive in telling me i could not get off the phone or they would charge me. they had all my credit card information and last XXXX digits of my social and my cell phone number. it was a very bad experience. i was transferred to the supervisor after i said i did not want to continue. his name was XXXX XXXX. the number they gave me was XXXX, ext, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: Platinum Holdings Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I received a phone call from a XXXX at Premium Assests Services on XXXX/XXXX/2016 while at work concerning a debt though a Payday loan service. I informed here that I have never had a payday loan and not to contact me at work as I work at a XXXX. They then contacted my parents. I have no idea how they received that information. I have asked them several times not to contact me over the phone and to send me a debt validation letter. To date, I have not received this letter. Today, XXXX XXXX, from Premium Asset Services, called my place of employment and spoke to the HR director giving him my SSN, DOB, and address. This is a breech of my personal information and a clear violation of the Fair Debt Collection Practices Act. I want these people to stop these collection practices without me even knowing what the debt is in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: PLAZA HOME MORTGAGE, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a payment to Plaza Home Mortgage on XXXX/XXXX/16. I received a confirmation number and a confirmation email. In XXXX I was told by Plaza Home Mortgage that I had cancelled my payment on XXXX/XXXX/16 XXXX. I did not cancel this payment. ( I find the time and the date of the cancellation very interesting. ) I received no confirmation number or any confirmation email that this payment was cancelled. Plaza home mortgage also states they tried to contact me to tell me of the cancellation. Plaza Home Mortgage called me on XXXX/XXXX/16 at XXXX and I returned the call on XXXX/XXXX/16 but there was no mention of the payment being cancelled by the Plaza Home Mortgage Customer Service Representative. There was no other phone call or correspondence from Plaza Home Mortgage regarding this cancellation. There was no way that I could have known this payment had been cancelled.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
i changed my name from : XXXX XXXX XXXX to XXXX XXXX non of the credit bureaus have updated my personal info and now i have no credit i was told to submit faxes/upload online to all XXXX credit bureaus and they have not updated my credit i need my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have dispute XXXX XXXX and XXXX XXXX several times, and i get back validated, sometimes i dont even get that, i have sent disputes directly to the creditors and have not got any response from them either, i filed a complaint against XXXX XXXX thru XXXX to get validation for this account and they responded that Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 
so my credit report has inaccurate and missing information to be able to validate information, So transunion is now NOTIFIED TO PROVIDED TO ME HOW THEY VALIDATE " XXXX XXXX " AND PROVIDE ME WITH WHO THEY SPOKE WITH AND THERE ADDRESS AND THE CONTACT THAT WAS PROVIDED TO THEM WITH MY SIGNATURE, TRANSUNION MY UP LOAD THIS INFORMATION ON CFPB SITE IN THERE RESPONSE ALSO UP LOAD THE CONTRACT THAT WAS PROVIDED BY XXXX XXXX, YOU HAVE CLAIMED THIS WAS VALIDATED THEREFOR YOU SHOULD HAVE THIS INFORMATION. 
AT this time i believe Transunion is reporting in bad faith and profit do hold my credit score down by not remove un-validated tradelines that they recieve money from. 
if this does not correct the problem then in left no choice but to file in XXXX XXXX court on XX/XX/XXXX and get an order to provide plus montery recovery from the courts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Specialized Loan Servicing is knowingly engaging in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I received the enclosed letter indicating the status of documents received. I called SLS via phone and was told to resend a XXXX and XXXX forms. I send these forms immediately via fax and email. I called SLS again to verify receipt of the tax forms and was told to resend again because know they no longer accept the forms anymore despite me getting the tax forms directly from SLS website 's Document Library. I have had this pattern of SLS telling me something IS wrong with this tax form at least 4 times causing delays and putting me in danger of a foreclosure sale.

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 2015-11-11
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB, On XXXX/XXXX/15 Specialized Loan Servicing agents and my designated relationship manager, XXXX ( Teller ID : XXXX ) confirmed SLS made a mistake in processing my final loan modification agreement. The agent also confirmed that my additional payments of ( {$3400.00} ( XX/XX/XXXX-XX/XX/XXXX. 2015 ) since the completion of the trial modification program ( XXXX - XXXX 2015 ) had not been applied and still remain in a suspense account. I was told the issue had been escalated and a supervisor would make sure the system was updated and the agreement enforced. I had contacted SLS on XXXX/XXXX/15 to inform them I had not received the final loan modification documents and did they send to my new address as I had informed them of in XXXX. SLS stated they had sent the documents to my old address on XXXX/XXXX/15 to be returned by XXXX/XXXX/15 and they would resend the documents and retroactively enforce the agreement. SLS sent the documents on XX/XX/2015. I signed and notarized the documents on XX/XX/2015, confirmed SLS received on XX/XX/2015. XXXX Tracking Number : XXXX. When I contacted SLS on XXXX/XXXX/15 for a status update and resolution before I made another payment to sit in a suspense account, SLS transferred me to over XXXX agents and said they could not find any documentation and my final loan modification had been denied and threatened foreclosure. I have been working with SLS during hardships for over three years to resolve the defaulted mortgage payments. SLS denied XXXX distinct offers to purchase the listed home from different buyers in two years via the short sale XXXX process. Then we pursued Deed in Lieu and Loan Modifications, I completed the Trial modification and due to SLS mismanagement, fraudul ; XXXX practices, unethical standards, and poor customer service my final modification is not being processed and causing me extreme stress and continued financial hardship. 
I would like this situation to be investigated and resolved immediately, my final loan modification reinstated, and my suspense payments applied to the new modification. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Fay Servicing is sending people to my home and trespassing on my property in an attempt to collect a debt from my deceased father. I am in Florida. The property is in Connecticut. I am in no way associated with my deceased father 's mortgage or property. I have requested the company to stop sending representatives to my property and I was told they have no control over who comes on to my property. My father is not listed as an owner on my property and my mortgage is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern, Statebridge argues that they did not receive the package for loan modification, and foreclose on our home on XXXX XXXX, XXXX. 
After filing a complaint with the Consumer Financial Protection Bureau, loan modification was reviewed and determined that based on our financial information provided {$4200.00} of our monthly income is 31 % debt to income ratio, did not meet the accordance guidelines. Our mortgage is a Conventional 8.5 % Fixed Rate approved in XXXX. Statebridge based their denial on accordance guidelines, under which criteria and interest rate? Our question is under what validity of terms of modification guidelines was used? XXXX, or Today 's Prime Interest Rate? Why were we disqualified? When in fact, the published conventional mortgage loan modification today is XXXX % -XXXX %. Is this a common practice to modify our XXXX loan modification application with what Prime Interest Term, XXXX? 
Since, the conventional fixed loan is being modified in XXXX the Rate must correlate within the appropriate time frame of the loan modification review process. Banks offer loan modification as an option for struggling homeowners by reducing the interest rate. According, to the Government Bailout, we are those homeowners that this exact program were designed for. The neglect that Statebridge has demonstrated resulted in our home foreclosed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: GMFS, LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had an issue of a plumber breaking a pipe and flooding our home..the new plumber did not get a permit or have his work inspected.when we had a city and state inspection done there were many things he did out of code he received a fine but we have had XXXX plumberso in the home to correct his mistakes and have not lived in the home for 1 and 1/ 2 years I informed the mortgage company and had to miss 3 payments since that time I have been deny the opportunity to pay the next 3 months every month I have been told I can not make any monthly payment just the entire am trying or nothing and of course the bill gets higher.. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Van Ru Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Van Ru Credit Corporation engages in robo calls to my land line every day between XXXX and XXXX. Caller says they are collecting a debt and to call immediately. The calls disturb my XXXX parent. No one in my household has any debt whatsoever. This company is attempting to obtain personal information through fraudulent means.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Performant Financial Corporation
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They ( Performant Recovery , Inc. ) are repeatedly calling my workplace, and are going to get me fired. My employer does not allow any calls period, except family emergency calls. The actual name of the person is 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 2015-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
on or about XXXX XXXX i sent credit XXXX a letter to the ceo/ president XXXX XXXX XXXX in reference to this account and stiplulated the reson why this account should no longer be reported to the cra agency ( see previous dispute XXXX ) about 5 days later the trade line was removed from both XXXX and XXXX I assumed this did not happen by accident as it has been on my tradline for over 4 years.I assumed equifax did not yet or had delay in getting this information from XXXX. However on XXXX XXXX I received a letter from the office of the President and it then stated it has intiated the process to remove the tradeline, i then called equifax to notify them of this letter and they siad they have not yet received the request from XXXX i thought this was odd since the other cra have and removed the file as requested by XXXX XXXX. I am memeber of my fico and for what ever reason equifax seems to be slow or have some internal issues with this process. After speakign with the rep they said i willl have to dispute it and provide such duccumentation wich i did on friday XXXX XXXX. Today I went to check the status and i notice already they have completed the investigation and they verified the acccount this was obvious a XXXX automated response and does not coincide witht the obvious wishes in the atach letter from credit XXXX. Per XXXX office of the Prsident this letter this from has account should be removed Immediately. Also they XXXX instructed me to send a copy to the cra which again their clear and obvious intent is delete the trade!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by XXXX XXXX Loan Care. I have repeatedly asked to receive mortgage statements before the first of the month to ensure my payment is received in time. XXXX XXXX Loan Care LLC has routinely sent out my monthly statements delayed so that there is no possible way to submit a payment by mail with enough time to avoid a late fee. I have repeatedly requested via email and by talking to customer service directly over the phone and have asked to have statements mailed out earlier. To date they have failed to honor this request and continue to assess late fees. I need help getting this remedied. XXXX XXXX should not be allowed to remain in 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 2016-12-06
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A person who was not authorized charged about {$18000.00} to my Chase credit card. I reported it to Chase on XXXX. Chase originally gave me credit for the loss, but then reversed the credit. My understanding they have 60 days to finalize their findings. They have left this file open for over 1 year. I have corresponded and talked to them numerous times and they just give me the run-a-round. I want these fraudulent charges reversed and have them give me back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX referred by New York XXXX to file complaint in re arbitrary failure to provide reasonable Chase Mortgage account # XXXX loan modification relief in violation of Settlement agreement, Consumer Protection provisions etc. Please review this matter and advise. My email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: LendingPoint Holdings LLC
State: SC
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 filed a dispute in regards to it incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to all 4 3 credit bureaus XXXX, Experian, XXXX in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true

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 2016-06-04
Company: Colony Brands, Inc.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Midnight Velvet is reporting an account on my credit report with account number XXXX. They are reporting inaccurate information between all XXXX credit reports. On XXXX and XXXX they are reporting a balance of {$140.00} while on XXXX they are reporting a balance of {$4.00}. Then on XXXX and XXXX they are reporting a past due balacne of {$80.00} while on XXXX are reporting a past due balance of {$4.00}. On XXXX and XXXX they are reporting the last reported date as XX/XX/XXXX while on XXXX the last reported date is XX/XX/XXXX. This account was also disputed several times and they failed to mark this account on my credit report as disputed which is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am XXXX XXXX XXXX and on XXXX XXXX I made a {$1500.00} deposit by XXXX Bank check into my Bank of America checking account. I have been a BOA customer since 2009. The bank put a hold on this deposit and turned it over to the Risk department which still has not released my monies ( 8 days now ). In the meantime, I am unable to pay my utility bills, buy groceries or fill my medical prescriptions. I continue to receive contradictory statements from BOA on why my monies are being held and when they will be released. 
I have made numerous calls to people at BOA to understand why they would do this, and I keep receiving contradictory information. Today, I heard for the first time that a XXXX Bank account representative told someone at BOA that my check would be returned and that the money was not available. The {$1500.00} was immediately removed from my XXXX Bank account and i do not know why anyone would make that statement. I have yet to find anyone at BOA who can tell who they spoke to at XXXX Bank who made that statement. 

XXXX XXXX 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