BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received an email from a sales person at Lennar offering 4.99 % rates at no cost. They are not MLOs and there is no NMLS. and that rate is clearly not available to everyone... ..or anyone for that matter. Here is teh body of teh email in case the attachment does not work. 

From : XXXX XXXX XXXX Date : Tue, XX/XX/2022 at XXXXXXXX XXXX  Subject : XXXX XXXX DEALS/BONUSES/INCENTIVES ! CALL XXXX @ XXXX To : XXXX XXXX XXXX XXXX 's Super Deals and weekly specials are attached!!! 
We just released new inventory priced to sell fast! 
We are also offering special financing at 4.99 % * ( lower rates and programs available ) rate fixed for 30 years at NO COST to your client when using Lennar Mortgage!! Contact me for more details before funds run out for this financing program! 

We're also offering 3 % Commission & Realtor Bonuses in selected homes!! 

Hurry before these special price homes sell and don't let your client miss out on our amazing Special Financing! All this in addition to closing costs contributions noted on the price list! 

Call or Text XXXX I can help you in ANY Lennar community on the list! 
XXXX XXXX *special financing rates subject to credit approval with Lennar Mortgage . For more details, please contact loan officer with Lennar Mortgage. Inventory, prices, special financing and incentives subject to change at any time without prior notice. 

XXXX " XXXX '' XXXX XXXX XXXX Consultant XXXX Mobile XXXX XXXX, FL This e-mail is not a solicitation, offer, acceptance of an offer, a negotiation or amendment of terms for the sale of a home. Any such activities must be properly presented and executed in compliance with company policy. If you would like to stop receiving marketing email messages from us at any time, please click here or simply reply to any message and type " Unsubscribe '' in the subject line. Lennar strictly adheres to the CAN-SPAM act and will immediately remove your email address from our records upon request. This e-mail may contain information which may be confidential or privileged. If you are not the intended recipient, please immediately notify the sender at the e-mail address referenced above and delete this email without copying, distributing, or disclosing it. Offers, incentives and seller contributions are subject to certain terms, conditions and restrictions, which may include the use of designated lenders or closing agents and are subject to change or substitution by Lennar without notice. Equal Housing Opportunity.

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 2017-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I opened a business credit card through  Capital One Business in 2016. Since account opening, Capital One has been incorrectly reporting this business account onto my personal credit report. I have contacted the credit bureaus whom have responded with a promise to contact Capital One. Capital One  has no right to report a business account, in good standing, to the signers personal credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I discovered unauthorized, fraudulent transactions made via XXXX in my JP Morgan Chase Bank XXXX XXXX Credit Card statements. I contacted XXXX and requested information about the vendors, however XXXX refused to provide any information about the vendors, informed me that transactions were made online through XXXX accounts linked with my credit card and recommended that I contact my credit card company for chargebacks and further information about said transactions. Furthermore, XXXX also refused to provide me with information about XXXX accounts with which my credit card was linked and referred me for such information to JP Morgan Chase. 
I thereafter reported all fraudulent transactions to JP Morgan Chase and disputed all fraudulent charges. 
I also filed a police report about Identity Fraud and these fraudulent XXXX transactions on my Credit Card. 
Initially, JP Morgan Chase credited back all fraudulent charges into my account. However, a few weeks later, JP Morgan Chase reversed all credited transactions, despite that these transactions were done fraudulently and without my consent, authorization or knowledge. 
Instead of protecting my interests and investigating the fraudulent transactions, JP Morgan Chase just referred to my police report in which I alleged that all unauthorized transactions are suspected to have been made by my former employee, whose employment was terminated from my office. 
Instead of providing me with any XXXX and vendors ' contests of my request for chargebacks and any supporting evidence about the validity of said transactions, Chase just concluded that transactions are not fraudulent from the Chase 's point of view because the suspected person of theft of my identity and credit card fraud could be my former employee. From the Chase 's point of view, transactions are only recognized as fraudulent if they are made by strangers. 
I called several times to supervisors of JP Morgan Chase Bank Fraud department and left numerous voice messages attempting to resolve my disputes, however, my calls were not returned. 
More than three months have elapsed from the date when I reported all these fraudulent transactions, however, to date, Chase has not responded accordingly to the seriousness of this issue, nor has Chase assisted me in any way to resolve the matter. 
In fact, I have never received any correspondence from Chase pertaining to my dispute of fraudulent charges and its investigation. 
I respectfully insist that all fraudulent transactions be removed from my account and the payments made on such transactions be credited immediately back into my Chase account. Alternatively, if Chase is still investigating the matter, I insist that payments and interest related to the fraudulent activity be frozen until such time as the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Monterey Financial Services LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a 0 % interested loan through XXXX. However, my loan is serviced by a company called Monterey Financial. 

When paying the loan off early, XXXX customer portal double-charged my payment. Ive been trying to get the overpayment back for a week, but since Monterey is the servicing the account, I have to go through them and theyre dragging their feet saying it could take almost two weeks to get a refund, which makes no sense when they were instantly able to take my money. Theyve been very misleading. This has caused overages with my bank because money needed for other automatically withdrawn bills could not go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Great American Finance Co
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Great American FinanceXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of 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 explanation
Consumer complaint received 2016-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hello : I have been trying to get my credit report from the XXXX main bureaus, but the information does n't match in any of them, according to my bank, who was the one conducting the process of opening a line of credit. Can you please tell me how can I fix this problem?, for the record, I have not used my S.S. Number for any credit purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate reporting on account ( XXXX XXXX XXXX, Account # XXXX ) with TransUnion numerous times over the last two years and each time TransUnion sends me a notice stating that they have either verified that the account is reporting accurately or that the account has been updated. TransUnion has not provided me with the specific process of how their investigations were conducted, including but not limited to who was the contact person with whom they spoke to when the creditor was contacted. I received no information other than that TransUnion verified the accuracy of the account and/or that the account was updated. Below is a list of disputed inaccuracies on the account : Incorrect balance Missing information Status or any other field blank Status incorrect Account number inaccurate Account type inaccurate Date of last activity incorrect Date of last update incorrect Date reported inaccurate

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 2022-07-27
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a motorcycle accident in XXXX and was treated in a hospital that was within my insurer 's network, but the ER doctor was not. Six months later, I received a bill for approximately {$9000.00}. I worked with the company ( XXXX XXXX ) to resolve the bill in late XXXX. In XXXX of XXXX, I was contacted by a collections agency ( XXXX XXXX XXXX ) claiming that the bill was in collections. This was posted to my credit report at the time, preventing me from engaging in my plan of buying a house. I worked with XXXX XXXX again to obtain proof that the debt was resolved. The collections agency was pleased with this proof and broke off contact. In XX/XX/XXXX, I was again contacted by another collections agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) attempting to collect the debt. I again provided them proof of the debt having been resolved and they disengaged. Earlier this week, I was once again contacted by a collections agency ( Cascade Receivables ) seeking to collect on this debt. It appears that, whenever I prove that I resolved my debt, the collections agency sells the debt to someone else. I feel that they are just continuing to pursue this until I give up and pay to get them off my back. 

Current case with Cascade Receivables has Reference # XXXX and Reference # 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 2015-08-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
PROPERTY MORTGAGE WAS PROVIDED BY BANKING INSTITUTION XXXX XXXX, XXXX. 
WASHINGTON MUTUAL / JP MORGAN CHASE Offered INTEREST ONLY Modification Loan late Afternoon XXXX XXXX. XXXX ~ Letter of Rescission Hand-Delivered To Branch Manager XXXX XXXX XXXX, XXXX - Due To Analysis that MONTHLY Savings Were Insignificant ~ AND MORTGAGE Balance Would Not Diminish. 

XXXXKEY ISSUE : MODIFICATION Document Did Not Contain ANY Reference ContainingTO Rescission!!! XXXXXXXX DAYS AFTER RESCISSION LETTER : BANK FORWARDED MONTHLY STATEMENTS - FOR XXXX MONTHS - TITLED " PRINCIPAL & INTEREST, WHICH WAS PAID TIMELY! 
IN XXXX XXXX : CONSUMERS REQUESTED COMPLETED XXXX MONTH FILE WHICH UNCOVERED THE INSTITUTION 'S " FRAUD " OF COLLECTING CONSUMERS P & I BUT CREDITED " INTEREST ONLY "! 
XXXX XXXX ~ IMMEDIATELY NOTIFIED SUPERVISOR OF ESCALATION DEPARTMENT THAT MORTGAGE CORRECTION OF {$48000.00} MUST BE ISSUED IMMEDIATELY & WAS ADVISED THAT SAID MORTGAGE CORRECTION WOULD BE ISSUED - WITHIN 3-4 WEEKS. 

XXXX YR LATER - XXXX XXXX / XXXX YRS LATER - XXXX XXXX ; MANY DOZENS OF FAXES / FEDERAL EXPRESSES / CEO OFFICE / TELEPHONE / LABOR : XXXX WEEKS [ XXXX HRS PER WK @ {$200.00} = {$2000.00} X XXXX WEEKS = {$190000.00} ] XXXX INSTITUTIONS ADVISED MONTHLY! 

NOTIFICATION BY CONSUMER : IF NOT RESOLVED BY XXXX XXXX, XXXX - ALL MONTHLY PAYMENTS WOULD BE PLACED IN E S C R O W. 
XXXX XXXX : INSTITUTION & STATE-UNLICENSED LAW FIRM FILED FORECLOSURE - DELIVERING M A S S I V E DAMAGES VIA NOTIFICATIONS TO ALL PRIVATE / PUBLIC RESOURCES. 

USING $ $ $ PLACED IN ESCROW : CONSUMER PAID & PROCEEDED TO DEMAND MORTGAGE CORRECTION OF ORIGINAL {$48000.00} PLUS {$190000.00} IN COSTS - PLUS {$1000.00} IN DAMAGES. 
ON XXXX XXXX, XXXX : PROMISED BY EXECUTIVE OFFICE " A FINAL RESOLUTION CALL " ; THAT CALL - AND OTHERS INITIATED BY CONSUMER- HAVE NOT BEEN RETURNED. 

ADDITIONALLY : CONSUMER HAS REQUESTED INSTITUTION PRODUCE O R I G I N A L OF XX/XX/XXXX MORTGAGE - WHICH HAS YET TO BE PRODUCED. 

U.S. CONSUMERS MUST BE PROTECTED FROM THIS KIND OF DEVASTATING ABUSE BY THE XXXX DOLLAR FINANCIAL INSTITUTIONS...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Mr. Cooper Group Inc.
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment increased 11 % ( {$390.00} ) from the XX/XX/XXXX statement to the XX/XX/XXXX statement. This is an increase of {$4600.00} annually. There has been no justification for the increase in payment from NationStar/Mr. Cooper. Last year 's ( XXXX ) annual increase in local property tax was {$1300.00}, and the year prior ( XXXX ) was {$130.00} annually. 
There has been no increase in home owner insurance policy. 
By my numbers, NationStar/Mr. Cooper has taken it upon themselves to increase my monthly payments in excess of {$3000.00} annually. This appears to be highly correlated with the CARES act and other borrowers utilizing forbearance. 
I don't believe the mortgagees should be responsible to the mortgage lenders to cover their lack of funding needed to continue their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion recently reported a wrong address to my credit report. 
The wrong address that needs to be deleted is : XXXX XXXX XXXX XXXX NC 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 2016-03-15
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 'm a victim of identity theft someone opened up a lot of account in my name and now I 'm getting ready to buy a house I 'm seeing all these things on my report this is killing me it 's not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: JPMORGAN CHASE & CO.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a Checking account with Chase Bank today. I deposited XXXX cashier 's checks, XXXX from XXXX, XXXX. XXXX XXXX Bank totaling {$2300.00} and XXXX from XXXX XXXX totaling {$1400.00} with a grand total of {$3800.00}. The funds were placed on hold with a Regulation CC hold for it being a new account and funds are to be available on XXXX/XXXX/2016. From my understanding of XXXX if the grand total of, in this case cashier 's checks, the deposited checks are less than {$5000.00} " a depositary bank shall make funds deposited in an account by check available for withdrawal not later than the business day after the banking day on which the funds are deposited. '' Since these funds were deposited on XXXX/XXXX/2016, it being considered XXXX/XXXX/2016 's business day, should said deposited funds not be available on XXXX/XXXX/2016? I feel that my funds are being delayed an extra day longer than Regulation CC allows. This is likely to be happening to multiple customers which may cause additional financial burden on those customers whose funds are delayed longer than they should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls and letters sent to me. this is a debt that is over 12 years old. in their letter it clearly states that because of the age of the debt they will not sue me and they will not report it to credit reporting agency. because it is not legal. yet, they continue to send letters and call me regardless of their own acknowledgment of this legal aspect regarding of statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We spent weeks in communication with XXXX XXXX, XXXX XXXX and others at JP Morgan Chase Bank in XXXX and XXXX supplying them with all the credit and loan documents for a potential re-finance loan of our property in XXXX XXXX, Texas. All the numbers were positive, including a top-tier credit rating, all the documentation was submitted and an appraisal of the property was done showing a significant value in equity of the property. All questions were asked and all answers submitted. We received a final call from XXXX XXXX saying that we were approved for the loan but there was XXXX criteria he neglected to mention earlier. We needed to deposit a million dollars plus, in assets to the JP Morgan bank before closing in order to qualify for this loan. We responded by saying we have submitted all the bank info we had and there was no secret accounts with XXXX dollars hiding to deposit into your bank. They also would have known this by seeing it in the research of the loan process. I asked why did he just now tell us after many weeks of us providing all of our documents and taking hits on our credit reports. He said he forgot. The fact is we believe it is a simple case of Bait and Switch. Simple fraud. I had asked XXXX straight out, if we could deposit XXXX dollars into their bank would we be eligible for the loan. He said " Yes ''. We received a credit report and letter recently that stated we were not eligible of the loan because of our credit to debt ratio. This is certainly a cover up act to make it look like we were not elegible. The fact is, and the documents and correspondence reflect this, is that we had plenty of credit and equity to be qualified. And if we were n't, this would have never gone this far in the process. While I do n't feel there will be any resolve in this matter, I do wish to make clear to consumers that there is still corruption and fraud going on in our financial institutions and please make it priority XXXX to make sure you have asked all the questions and above all make sure you deal with reputable people who have solid integrity. The players in this scam were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I believe their supervisor to be XXXX XXXX. 
XXXX XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Advisor XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX JP Morgan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have disputed late payments multiple times with Nelnet as well as credit bureaus to no avail. I attended University XXXX XXXX and obtained loans through Nelnet. I have never been late with any of my payments. In fact, my payments have always been deferred or I 've paid based on my income. A few years ago my loans were transferred to another company and during this time is when I 'm told I defaulted on my loans. I was never aware that my loans had even transferred or I had late payments until last year when I requested my credit reports. I immediately contacted Nelnet and made them aware of this issue. Nothing changed and I still have 16 late payments on my credit report that are preventing me from obtaining housing for my autistic son and myself. It is very difficult living with family members and having a special needs child. I have NEVER been late on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Chase Card are reporting inaccurate information on my credit report, Payment responsibility as Authorized user, Status of the Account Late over 120 days, Account Delinquent 180 days past due, Past due Balance {$830.00}, no DISPUTE Status after Disputed, etc. The account has been Charged Off on 2010. 
They do n't want to DELETE the trade line.

Company response to consumer: Closed with explanation