BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-05
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Opened credit card with Chase Business Ink credit card back XX/XX/XXXX. I made a {$3000.00} down payment for a concrete garage floor. Prior to my pay off and cancellation, i inquired about the dispute process since i was having a fallout with the contractor. The credit card company told me i had 560 days for a max extension to dispute from the date of transaction which would extend me to XX/XX/XXXX. The contractor had not installed the garage floor till XX/XX/XXXX due to his backlog. When garage floor was installed the credit card was already cancelled since i had paid the balance off. I anticipated issues due to history of contractors and ended up being correct. There was faulty workmanship discovered. I contacted Chase Ink to dispute and they " purged '' my account just a few months later after it was closed. Sent a fax to the correspondence team ( only fax provided ) with no response yet my fax went via ( proof of sent/received time stamp ) .The customer service dept states once the account is purged there is nothing they can do about it. I have the right as a consumer to dispute and this purge now violates my rights for consumer protection. I have also sent a request to the Chase XXXX office. I told them they have the legal obligation to hold records for a certain period of time. I can understand if something was purged after a few years but a few months later? 
Downpayment of $ XXXX in XX/XX/XXXX but final payment to contractor since work finished was XX/XX/XXXX. I filed a complaint with Chase Ink to unpurge my account XX/XX/XXXX to dispute the $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted by XXXX XXXX XXXX XXXX. I have researched this company and it appears they are attempting to defraud people. I settled this account with Diversified XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. 

All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of Diversified Consultant customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I applied for a job, interviewed, and days later, received a letter in the mail about that potential employer receiving information listed in my credit report without my consent or permission. When I reached out to the individual that interviewed me, I received no response so I presume I did not get the job based on the information contained in my report.

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 2015-08-10
Company: Norwich Commercial Group, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had provided a lender, Norcom Mortgage, with our personal information/data to obtain pre-approval on a mortgage. XXXX of their loan officers attempted to e-mail myself and my husband a copy of our credit report, however, she sent it to a wrong e-mail address instead of my husband 's correct address. Our privacy has been violated in accordance with their privacy policy as our personal data and private information in violation of our consumer privacy as our complete Social Security Numbers and Date of Births are both out there somewhere. The loan officers negligence has caused a privacy breach for us and we are now at an increased risk for identity theft. I contacted their CEO on the same date and he has not responded to me. This is a severe violation of our privacy and we are asking them for a resolution to this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: Brightwater Capital, 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: Information belongs to someone else

Complaint:
Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification.

XXXX XXXX/XXXX XXXX / Brightwater Capital has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report.

I've been asking for verification for 6 months in certified and notarized letters.

They replied once on XX/XX/XXXX The letter stated the account had be sold to Brightwater Capital which also included a non letterhead computer faded copy of a copy statement.

On my credit report it's stating XXXX/XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XX/XX/XXXX.  Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is not my account yet is listed on my credit report. I did not open this account EVER. This is causing serious life events to be unattainable.Company just stalls..

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 2017-05-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When attending  XXXX  school I took several private loans. I was unaware at the time but some of the interest rates were exceedingly high. At the time I was unaware and uninformed of the loan process. When I graduated the loan company began to call me constantly and consistently. I went back to school because the loan amount was too large for me to handle and thought by going back to school it would increase my income. In  XXXX , from  XXXX  to  XXXX  my account fell into a 90 day delinquency. This was due to a family issue, as well as my transitioning into a   XXXX   XXXX  . I am now aware that there could have been more constructive methods of handling this situation but at the time I did not see how it was possible. Now am I facing over a {$100000.00} in private debt alone and can not consolidate my private loans until  XXXX . I am requesting a reduction in some of interest rates mainly the ones that are 10 % and higher, with an emphasize on the loans that are currently at 15 %. I do not see how it is manageable to pay rent, a car loan, and buy groceries with this crippling debt. The lender is requesting  XXXX  dollars monthly. This seems unreasonable and with my other financial responsibilities it is something that I just can not do. My estimate gross monthly income is roughly {$2400.00}. I can not see how I could possibly make these payments and survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had sent Cardinal Financial my XX/XX/XXXX monthly mortgage payment ( due on XXXX XXXX ) on XXXX XXXX in the form of XXXX different money orders of {$990.00} each, for a grand total of {$2900.00}, in a single envelope. But the bank only cashed XXXX of them for {$1900.00} on XXXX XXXX and applied that amount towards principle, as my total monthly due amount is {$2700.00}. In essence they lost the third money order. Upon inquiring they requested me to send them copies of the money order receipts, which I scanned and sent them promptly on XX/XX/XXXX. The receipt images I sent were of very high resolution, they clearly show each and every detail, including date, money order number etc. They replied saying they would investigate and get back to me by " the time permissible by law ''. I never heard from them after that. I proactively called the money order issuer, in this case XXXX XXXX, and verified that the money order in question has not been en cashed so far, even until today. 

I had been constantly calling Cardinal Financial inquiring about this issue, they kept saying they need additional time to investigate. When I called them today they said they need additional information to investigate, without clearly telling me what. After spending 1/2 hour on the phone with one of their supervisors she said they need photo copies of the original money order. If I had the original money order with me to take a photo copy and send them, we would n't be in this situation. We are here because they misplaced my money order. 
Since they are not being very helpful I called XXXX to see if they can cancel the money order and refund me the money, they said I need to submit a written request with all the proof. But, they would charge me {$18.00} as processing fee. I decided to take this route as Cardinal Financial was n't providing any solution even after a month has passed, making me nervous about my {$1000.00}. 
I called back Cardinal Financial requesting to reimburse my expenses but they denied, though they are clearly at fault. Their customer service department has been making run pillar to post blaming their internal resolution department but each time they refused to let me talk to any one in this department. Its been a nightmare dealing with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-15
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to work with Wells Fargo on a  short sale process, I have a buyer and we are attempting to negotiate an agreed upon value to move toward scheduling a closing date. This is all being pursued with a pending Foreclosu re Sale Dat e of  XXXX / XXXX  /2017.      The first complaint is an unwillingne ss of Wells Fargo  to adjust the pending foreclosure sale date in order to allow proper negotiation in good faith.     The second complaint is a general lack of cooperation by  Wells Fargo  in negotiating an agreed sale price in good faith. I have a buyer, an offer and counter offer has been submitted alone with pictures and estimates of work that would need to be done on the property which supports the counter offer. It has taken nearly  three weeks to get a response from Wells Fargo. The original offer was {$990000.00}, Wells Fargo  countered with {>= $1,000,000} and then my buyer countered with {>= $1,000,000} along with the documentation of work to be done, supporting that price. They are now saying the " valuation dispute '' has been denied but the {>= $1,000,000 } may s till be accepted??? and they want to know if that is our final offer. This makes no sense as the " valuation dispute '' and " the counter offer '' are  XXXX  in the same.     A continuation of years of struggling with how  Wells Fargo operates and the lack of sincere intere st in reaching resolution.     It should be noted that this short sale effort is being pursued only after a VERY lengthy and painful process of struggling to work wit h Wells Fargo over MANY  years. This long and troubling process is related to previous concerns about the underlying documentation of this mortgage. This is a  WELLS FARGO  MORTGAGE BACKED SECURITY LOAN which has numerous issues associated with it 's history and the mortgages proper conveyance. Such as issues relating to the need of mortgage loans to be transferred to a related trust within 90 days from closing and other subsequent transfers which cause the validity of the underlying mortgage to be questioned.     In an effort to move on from this concern, due to an ongoing divorce proceeding, the short sale process has been embraced. At this point in time that process has developed into a new and troubling concern.     Please advise.

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 2016-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
First I felt I was getting no cooperation from the TransUnion the credit bureau. I kept getting Verified, No Change letters but no documentation of how determined despite having asked several times. In a phone call TransUnion finally says there is no documentation. The documentation lies with the creditor and the creditor does not have to provide TransUnion with that documentation. XXXX XXXX XXXX has continued to respond to TransUnion on a debt showing last activity in XXXX of Verified, No Change with erroneous activity reported for XXXX - XXXX submitted, reporting a first deliquency in XXXX ( and then closing the account XXXX ). When I try to contact XXXX XXXX XXXX directly they only tell me they sold the debit in XXXX ( already well past the 7 year reporting date ) and refuse to do anything to assist me. They wo n't write me a letter stating who they sold the debt to so I can provide to the credit bureau, they wo n't report it to the credit bureau, they wo n't remove the information on my credit report being reported in their name. They will only tell me it was sold to XXXX XXXX XXXX XXXX which only goes to a busy signal everytime I try to call. I do have records of this number calling back in XXXX. Again last payment history XXXX should have already been long off my credit report and no legal liability existed due to statue of limitations at the time XXXX sold the account showing on my credit report ( only XXXX of the XXXX ). I feel TransUnion and XXXX XXXX XXXX could have fixed this and if issue of this reporting is with XXXX XXXX XXXX then fraud in re-aging the account. I found a XXXX XXXX XXXX online with a different toll free number based out of XXXX with complaints and actions against it but not XXXX answers even though says business hours. When I discovered this error several years ago ( disputed 7 times so far over 2 years ), it cost me hundreds of thousands of dollars in financing and tens of thousands more since then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  XXXX  of   XXXX   we discontinued our  XXXX   XXXX   XXXX  service. We were forced to move from our home and we tried to keep the service.But  XXXX   XXXX   XXXX  did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was  XXXX  balance and due to the circumstances they were not going charge us early termination fee as we were keeping our  XXXX  service. And it was all bundled together when we signed up. In fact we even paid a  XXXX  $ deposit for the service when we started.    XXXX   XXXX   XXXX  continued billing us and still had our account messed up as it was still linked to  XXXX . It was n't until  XXXX  of   XXXX   that  XXXX   XXXX   XXXX  shut down our verse account and made it a  XXXX  bill. We have disputed this bill over and over for a year to   the date.
The bill is now in the possession of Southwest Credit Collection Agency. We di  sputed this bill in there office.We have requested a full explanation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper.   It is in violation of FDCPA la w 805  section B.   They did n't even send us our bill as requested.   They are now claiming early termination charges as well  as misc charges in which we or southwest credit collections h as no clue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has reinserted an previously investigated and deleted account into my credit. Utilizing a credit monitoring service, on XXXX/XXXX/2016 I discovered the account ( XXXX XXXX XXXX Account # XXXX ) had been recently reinserted. As required by the FCRA, Equifax did not notify me of the reinsertion within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
A claim was submitted sometime ago and was recently completed. unfortunately the financial institute did not pay the total disputed amount. The disputed amount was for {$1900.00} and the financial institution only payed out {$1300.00}. The remaining dispute is XXXX. 

I do have a hard copy of a bank statement that states the disputed amount but i do not have an electronic copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery is aggressively trying to collect on the charged off credit card account that belonged to my sister NOT me. They reported a collection for {$2800.00} from XXXX XXXX the account I NEVER HAD. My sister had put me as an authorized shopper long time ago so I could help her with groceries but I NEVER SIGNED for this account. I contacted XXXX XXXX  who stated they DO NOT have any negative accounts in my name. BUT portfolio recovery is refusing to validate this account but is aggressively trying to collect ... This is NOT my account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Transunion is taking too long to send disputed results.

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 2016-01-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing , LLC commenced foreclosure on an owner-occupied property that is our primary residence. The foreclosure notice was originally filed with a foreclosure date of XXXX/XXXX/2016. He had a court hearing to get a temporary retraining order. The temporary retraining order was only good for 7 days. Our claim for a temporary injunction was denied by the judge on XXXX/XXXX/2016 and Ocwen Loan Servicing , LLC reposted our primary residence for sale on XXXX/XXXX/2016 for a foreclosure sale on XXXX/XXXX/2016. As outlined in the Ocwen National Servicing Settlement, " Before a loan is referred to non-judicial foreclosure, Servicer shall ensure that it has reviewed competent and reliable evidence to substantiate the borrower 's default and the right to foreclose, including the borrower 's loan status and loan information. '' Ocwen has failed to show that they have the right to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
You responded to my prior complaint finally. Now why would I want only  XXXX  card assisted with? Why did I give enough info for  XXXX  account to be reaged but not the other? You bank does n't help and does n't make sense. The same info was provided for both accounts and I HAVE given you all my financial information. Pull the earlier calls then. I 'm going to blast this everywhere on social media. You are saying I have enough to rage  XXXX  account but not another. Unfair and discriminatory. Your bank acts like I 'm trying not to pay my bill at all. That 's not what 's happening.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: TN
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 sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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