BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-25
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX XXXX, we purchased the home located at XXXX XXXX XXXX, XXXX, MA XXXX for {$490000.00}. At the time, we were promised by the mortgage broker that we would refinance in 3 months-time and get us out of the $ XXXX/month payment. 
o The sub-prime mortgages from XXXX XXXX XXXX, XXXX consisted of XXXX mortgages : XXXX Mortgage of {$390000.00} XXXX Mortgage of {$98000.00} Our numerous attempts in contacting the mortgage broker who told us that we would finance after 3 months would go unanswered. Phone messages were not returned and his when attempting to see him in his office, he was never available. 
In XXXX XXXX XXXX purchased the loan from XXXX, XXXX. 

This is a complaint and I respectfully request that your office provide me with competent evidence that you had the legal right to this property. 

Please provide me the written assignment of mortgage that serves as legal proof of the transfer of the loan from XXXX to XXXX and that contains the following information : The name of the assignor The names of the borrowers The date of the mortgage The original amount of the mortgage The original mortgage recording information The property 's legal description Evidence showing that the assignment of mortgage was recorded in the county records when purchased from XXXX XX/XX/XXXX. 

Here is some information on XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: CA
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:
I submitted an Equifax data breach settlement claim on XX/XX/1922, claim # XXXX. I received an automated claim confirmation. However, that was the first and only communication. I have not received any response, acknowledgment, request for additional information, or an explanation to date. I submitted an identity fraud report to Equifax that is believed to be a direct result of the breach. The FTC identity fraud report was filed also on XX/XX/1922, report # XXXX. I didn't claim a loss on the identity theft report, but repair and resolution has taken over 3 months, for which only XXXXXXXX XXXX  of work hours were claimed for restitution. I have made multiple attempts to contact Equifax and Equifax settlement administrator, however settlement administrator number only has a tireless labyrinth of recorded messages without an option for a human. I have waited for 7 months, and I understand many class members have received their settlements. I have yet to receive an acknowledgment, settlement, rejection, response, or explanation. I expected Equifax to adhere to the settlement terms agreed to with FTC however they are in breach of their agreement. Please assist in facilitating a settlement. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt was included in CH XXXX BK. They have called me 6-7 times these past few months trying to collect this debt. This is very illegal. I have phone documents to prove this. They deserve to be fined, and Deserve a settlement. 

I have phone records showing the incoming calls from them. THIS IS HARASSMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Selene Finance LP
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In XXXX of XXXX, I had an insurance claim for water damage on my house. The repairs were inspected at 50 percent completion on XXXX XXXX XXXX as required by the mortgage company Selene Finance. After being contacted by Selene that funds would be released, those funds have NOT been released as of XXXX XXXX, XXXX and Selene will not provide a date for the release of the funds. I have provided Selene with receipts totaling over XXXX dollars out of my own pocket for materials. This has halted progress on the restoration of my house and is causing a loss of use as I do not have a functioning master bath or bedroom still. I have contacted Selene on at least 5 ( talking to a " supervisor '' ) occasions asking for an update and the only response is that Corporate is reviewing the request. If Selene does not want to issue timely disbursements then they should be paying interest to me for holding the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I applied to have my federal student loans put on an income-based repayment plan and, after submitting my paperwork ( including proof of my small salary ), I was asked to submit my wife 's financial information ( including her student loan info ). After this I was told I only qualified for a $ XXXX/month reduction because of our combined income. My wife does not pay my loans, I do, and this is completely ridiculous and unfair. I can not afford a $ XXXX/month student loan payment and either can my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have banked with Chase for about ten years like a fool with out ever receiving a bank statement. And, when I made a request for XXXX, bank statement, my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a notice in the mail in XX/XX/2016 that I was turned down for an Amazon.com credit card. However I never applied for a credit card of any kind. This was a fraud. I have disputed this inquiry through XXXX and received notice a month later that the disputed had been completed but no results were given and nothing was done to remove this inquiry, The inquiry was made through Chase Bank.I would like this inquiry removed from my credit report as it has made my score take a plunge. Im in the process of trying to buy a home. The reference number on the letter sent to me is XXXX. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-07
Company: Navient Solutions, LLC.
State: OH
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 student loans through Navient. I pay the amount due, if not more, every month. I have had a past due balance of {$0.00} in XX/XX/XXXX and XX/XX/XXXX. I then pay my balance for XX/XX/XXXX ( prior to the due date ) and then receive a statement claiming that I missed my last 3 months of payment. When I called to clear up the issue and provided proof of payment for the last 3 months, the rep put me on hold and came back claiming that payments were missed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. First off, Navient states that all payments made are first allocated to past due balances, fees, and interest and finally current balances. So how could payments have been missed? Secondly, I have documentation of every payment made for the life of my loan-and there are no delinquencies. So, I call Navient and several of their reps review my account, and agree that there is no delinquency on my account and said that they are experiencing a computer glitch-yet no one can seem to get my account current, so it goes under review by the " back office ''. Over 2 weeks later, there is still no resolution, and conveniently the " back office " does n't have any phones borrowers are unable to speak with them. I keep getting empty promises of a resolution, but still have yet to receive one. My account is now erroneously showing 85 days delinquent and in 5 days Navient will report this to the credit bureau. I am at my wits end. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I lived in a complex XXXX on XXXX XXXX my lease was from XXXX XXXX, XXXX to XXXX XXXX. The end of XXXX XXXX a new company named XXXX bought the property ( tenants were not informed ) I had paid in full lease agreement with XXXX ( did not receive my {$600.00} deposit back from XXXX ). 
XXXX reports on my credit report a debt which I do not owe ( never did business with XXXX ) I want this removed ASAP, thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Security Credit Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I called in and spoke with a respresentative by phone.XXXX and he was not able to work out arrangements with me. He mispronunced my name I advised him I was considering bankruptcy but I wanted to work out arrangements. XXXX then told me he will set up arrangements after I spoke with his supervisor for XXXX then he came back on the phone. Asked for my phone number and email and I advised that I would not be able to provide that information. He can only notify by mail only. He refused to take my payment arrangement after I told him I would report the business to CFPB. I will be looking to take legal action based on this call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: FL
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 filed a dispute on XX/XX/2020 due to inaccurate information being reported on my credit profiles. The profiles have numerous inaccuracies that need to be resolved immediately. I have sent multiple letters to try and resolve this matter and have yet to have them acknowledged. I would like for actions to be taken as it has been well over 30 days since my initial dispute. These companies have not been complaint with the Fair Credit Reporting Act, and must be held accountable for there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: ONLINE Information Services, Inc.
State: NC
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 sent the following letter to XXXX. on XX/XX/XXXX, when I found the charges in collection on my credit reports. 

To whom it may concern, 1. On XX/XX/XXXX I spoke first a representative XXXX at XXXX and requested cancellation of the account effective XX/XX/XXXX. 
1.1. She stated that I had to speak to XXXX to cancel the account. I spoke to XXXX, providing the same information, and was asked to fax the request to cancel the service. 
1.2. I then faxed the request to the number I was given XXXX and formally requested cancellation of the account effective XX/XX/XXXX. 
1.3. Since XXXX Company had official ownership of the home by the court any charges billable after the date of XX/XX/XXXX need to be removed from our account. 
1.4. I requested a final bill be sent to my daughters address in XXXX. Fl. No final bill was ever received from your organization. 
2. Unsure of true amount owing I paid {$99.00} on-line on XX/XX/XXXX in an effort to satisfy our debt up to XX/XX/XXXX. 
Sincerely, After receiving this letter the collection notice was removed from my credit report. 

As of this month both XXXX and XXXX are both reporting the charge of {$320.00} in Collection again. 

I have been dealing with this issue since XXXX. What can be done to have it removed preminantly?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: CNG FINANCIAL CORPORATION
State: IA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
The creditor stated there would be no further contact as stated from Case XXXX ; however, I received an email stating they tried taking money out of my account again. I have blocked the company from making charges but I 'm furious they are still wanting to take money out of my account. 
My bank is XXXX in XXXX, IA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have sent repeated documents and police reports to this company showing that I do not owe this debt because my identity was stolen and they still are reporting this debt to my XXXX credit report. I want it removed immediately. This is identity theft and they can not even validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Collection agency south west credit systems has never received any payments by me. I called their customer service representative to ask for proof of payment by me to them and she told me I should have my own proof of payment. I have only ever made payments to XXXX never to any collection agency. They continue to refuse to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: IMMEDIATE RECOVERY GROUP, INC
State: PR
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My wife will be XXXX in XX/XX/XXXX. There is a Federal Student Loan approx. XXXX that she owes. At one point, around XX/XX/XXXX, the debt was paid down to $ XXXX but this debt now has ballooned to an amount in excess of $ XXXX. 

On XX/XX/XXXX her Social Security direct deposit came in at XXXX instead of the XXXX that she receives every month. We called SSA and found out that her money was routed through the Dept of Education ( DoE ). I called the DoE and a recorder said that there is a specific collection agency ( XXXX ) that handles my wife 's loan, so apparently this XXXX decided to reduce her pay by XXXX to go towards the student loan. 

Supposedly she was sent a notice which has never arrived. We have lived at the same address since XX/XX/XXXX. 

Is there anything here that is not legal?

Company response to consumer: Untimely response
Consumer complaint received 2015-09-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
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:
On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX, to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with XXXX XXXX. Pursuant to XXXX XXXX ( d ), the XXXX at XXXX XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX at XXXX XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX ANY monies, as rent was paid current through our tenancy. XXXX accepted return of possession of the unit on XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call from XXXX stating I needed to be at home within an hour to sign court documents and if I was not at home they would go to my place of employment. I spoke to XXXX XXXX who said I need to contact him before XXXX Pacific Time to provide them with my debit card if not they would proceed with criminal charges on an installment loan from Check N Go from about 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: IMC Capital, LLC
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received from Notable Capital of XXXX AZ on XX/XX/2016 a " Platinum Lease Card '' which I did not request. This card contains a full 16-digit card number, effective and expiration dates, my name & a magnetic strip on the reverse. It is accompanied by a letter showing available credit of {$150000.00} with a phone number and code for activation of the card. 

I never authorized them to send me offers of credit nor have I ever conducted business with their organization. It is my understanding that you have no right to send me these kinds of unsolicited offers. I am on the National Opt-Out Registry with the 3 major credit reporting bureaus. 

They should remove my name from their list for any further mailings and remove any information they may have added to my credit record immediately.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-29
Company: Century Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from century financial. My main concern is that the number they called on was not their number!! it was actually the number of my daughters XXXX office which we paid off 3 years ago when she had her XXXX. I believe they can not falsely identify themselves and they certainly have! I do n't understand how they can call on a number i have saved in my phone, but I think it 's wrong and I do not think they should be allowed to do that! Very disturbing and bad business practice. It wasnt even my debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I posted dated a check and mailed it for XXXX/XXXX/XX/XX/2015 for my mortgage payment as my mortgage company will only take online payments if all the late charges are paid at once ( also illegal ), and the check was cashed on XXXX/XXXX/XX/XX/2015 which cost me over {$70.00} in over draft fees with my bank. XXXX XXXX XXXX needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was XXXX XXXX for a debt that I never incurred. I have tried several times to resolve this with the creditor and they refuse to provide proof of the debt simply stating that they are validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: ONLINE Information Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called the debt collector on XX/XX/2016 at XXXX because I wanted verification of said debt and info on the account. I monitor my credit report weekly and all of a sudden last week I noticed a collection entry on my report. I never received any mail or notice of debt collection of said debt. There was never a 1st attempt to serve notice of debt. So I decided to inquire what they thought I owe to them. The agent answered the phone and asked what my name was. I responded and she read me the miranda and said the call was being recorded. I responded and told her I was recording the call as well. She said she did not consent. I said it doesnt matter as I needed more information on the said debt they claimed I owe so the recording is for my personal use and I do not need her consent. She asked me for my mailing address after she said that they have an address of XXXX. I said I do not live there and have not lived there. I will not give her my mailing address because she had yet to provide a debt validation to me. Then she literally went off on me over the phone and cut me off while I was explaining why I did not want to provide that info. The call lasted for 4 minutes. I was shocked that is how a debt collector treats someone who they have not even verified a debt with. I urge anyone if anyone to request the tape of that call and please listen to it. So many violations on that call. I ended up hanging up and stating that I will file with the Attorney General which I did after the call. How else can a consumer get a debt verification if they freely called and get treated like that by a collection agent? I consider that a threatning act to force me to bite into a false unverified debt. I demand validation of said debt. I do not owe any debt to said debt collector. She could careless what I had to say. She abused and intimidated me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I am no long able to pay this debt. I informed the company of this in XXXX 2016 also informed them to take whatever action they needed to take. They have not taken any legal action to resolve this debt instead I am receiving daily phone calls. I have asked then repeatedly to stop calling me. My attorney sent them a letter asking them to stop contacting me and to only contact his office with any further contact. I am still receiving daily phone calls.

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