BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$620.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
information was taking off my credit report and later put back on to my credit 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 explanation
Consumer complaint received 2021-01-10
Company: Self Financial Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Many times delays that are being reported on my credit report appear to be incorrect and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. Date Opened : XX/XX/2020 Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Us Bank sent me a letter stating customer negligence caused my check to be cashed to wrong account. 
I would like to attest that it was US bank Negligence. 

I use epay and at some point US bank removed the name XXXX XXXX from the top of my check at some point. I was unaware. So US bank is the majority of cause in all of this. They altered my epay check without notifying me. Had I been aware, I would have corrected it. Us bank altered my epay check. My checks had XXXX XXXX 's name followed by account number!!! 

I have spent 4 months trying to get my XXXX dollars back. 

I want their finding corrected and to start taking responsibility. I trusted you with my money for 20 years! My checks should have never been altered without alerting me.

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 2016-05-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I accidentally made a payment of XXXX I meant to only pay XXXX I have sent XXXX emails requesting to have a refund. I have sent the requested documents ( voided check, transaction report showing payment to Chase bank and also a copy of my bank statement ). The payment was made via my bank bill pay online on XXXX/XXXX/16. 
I am being told that they did n't receive document by XXXX representative and then told by a different representative they received everything fine and it was forwarded for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i had a us bank account for 3 years. i had it attached to my mortgage and was in good standing. i had someone do a XXXX  money transfer to my checking. then someone hacked my account and removed that same amount. after the transaction. i was called that money was reported as stolen. US bank closed my account and blamed me for it and will not let me have another account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX AND XXXX {$810.00} This has been over 7 years I filed a dispute with the company nothings being done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for a GM Rewards ( issued by Marcus by Goldman ) credit card in XXXX XXXX XXXX. I wanted to take advantage of the 9 month interest-free period, so I attempted to immediately charge a vacation using the virtual card provided to me on the website. The charge was declined multiple times. The physical card came to me in the mail but I was unable to activate it. This is because on the website, it said my card was " restricted ''. Over the next 3 weeks, I made 3 calls in an attempt to remove this restriction so that I may use the card. I spent approximately 9 hours on hold. Each time I was told that they could not help me, but someone would be calling my cell phone to speak with me to rectify this. I received zero phone calls. On XX/XX/XXXX, I did a 3 hour online chat with XXXX XXXX XXXX. She claimed that there were XXXX levels to my restriction and she was unable to get through all of them. I was then told, again, that someone would be calling me. They have not. I have lost time of the interest-free period I could have been using to pay off my vacation. I have also sustained damage to my credit score for the inquiry to be approved for this card that I am unable to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60-90 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
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: Their investigation did not fix an error on your report

Complaint:
I am writing to request an investigation on the following information that appears on my XXXX, Equifax, and XXXX  credit reports. They have failed to validate the information with all creditors here in this letter and have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 
1. XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX, XXXX $ XXXXAcc # XXXX {$3200.00} XXXX XXXX, XXXX, Acc # XXXX {$4900.00} XXXX XXXX 2. XXXX XXXX Acc # XXXX XX/XX/XXXX, {$44000.00} 3. XXXX  XXXX XXXX  XXXX XXXX Acc XXXX {$750.00} 4. XXXX Acc # XXXX, XXXX, XXXX, XXXX, XXXX 5. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX Acc # XXXX {$1900.00} XXXX XXXX, XXXX 7. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 8. XXXX XXXX Acc XXXX {$4500.00} XXXX XXXX, XXXX, Acc # XXXX {$1000.00} XXXX XXXX, XXXX 9. XXXX XXXX  XXXX {$300.00} XXXX XXXX, XXXX 10. XXXX XXXX XXXX {$2000.00} XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XXXX I was awarded a Hamp Modification in which I was given an incentive for XXXX years equal lying {$35000.00}, in which I was only given one in XXXX and the rest was not honored. The amount that was not honored was {$23000.00} because Chase stated that I went XXXX months late in which I never was three months late, because I was trying to get another Modification with a more affordable payment because this modification was never affordable. Chase stated that I never qualified for another modification because I was never three months late. I was just awarded a recast in which they put the monies that were supposed to be my XXXX & XXXX incentive as a balloon payment in the amount of {$23000.00}. I was also given an incentive of {$83.00} for five year every year in which I only received on as well and that was XXXX XXXX, XXXX. The other four years has never been honored due to the fact Chase stated that I paid at the end of the month, but Chase never discussed with me that I would lose this incentive if I did n't pay by the XXXX of the month, they said monthly in which I was making the monthly payment at the end of the month. You can refer to reference # : Consumer Financial Protection Bureau Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

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 2015-12-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with Wells Fargo ( Loan No. XXXX ) and first put my XXXX XXXX house ( XXXX XXXX XXXX, XXXX XXXX, OH. XXXX ) on the market in XXXX 2015. I have maintained this property since I was divorced and filed bankruptcy in 2000. However, due to the house needing repairs that were beyond my financial ability to handle, I applied for a short sale in early 2015. I was approved for a short sale and Well Fargo appraised the house at {$22000.00}, though I owed {$62000.00}. I re-located in XXXX of 2015 due to conditions becoming un-livable. There have been no offers or even buyers inquiring on the property at {$22000.00}. 
Wells Fargo then retracted my approval for the short sale in XXXX of 2015. I then submitted an appeal with my updated financial worksheets showing a deficit. I asked for XXXX of XXXX options : 1. a deed in lieu of foreclosure. 2. Reconsideration of the short sale and an updated appraisal of the house based on fair market value. 
I was approved for the short sale and an appraiser from Wells Fargo was sent to property. However, they refused to release an amount. My realtor & I received an offer for the property of {$5000.00} and submitted this to Wells Fargo on XXXX/XXXX/15. The following properties have sold in my area for the amounts listed : XXXX XXXX XXXX, XXXX XXXX was listed at {$29000.00} but sold for {$5500.00} XXXX XXXX XXXX, XXXX XXXX sold for {$7000.00} XXXX XXXX XXXX, XXXX XXXX sold for {$6400.00} XXXX XXXX , XXXX XXXX sold for {$4500.00} I received a letter from Wells Fargo dated XXXX XXXX, 2015 that the short sale was again retracted. When my realtor, XXXX XXXX ( XXXXXXXXXXXX XXXX ) called Wells Fargo to find out why she was told that I had a surplus in financials due to the following : They do n't count tithing as an expense. 
They have limits on certain categories as to how much I can count as an expense. 
The first reason seems like a violation of my religious freedom. The second reason seems impossible to meet. My realtor was told that a single person could only count {$250.00} a month for ALL automobile expenses ( gas, insurance and car payment ). I spend {$100.00} a month on gas, {$97.00} a month on car insurance and {$300.00} a month on a car payment. This limit hardly seems reasonable. 
My house is going into foreclosure after my attempts to work with Wells Fargo. I feel I am trying every attempt to avoid foreclosure and work with the bank but I am hitting walls. I would like to resolve this issue and allow the house to sell for what is fair market value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Reference : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXXAPN XXXXI XXXX XXXX am the legal owner, with recorded property rights, fee simple, absolute paramount interest to the marital property, community property, A grant deed and order from family law has been perfected in the registry of deeds. 
XXXX XXXX XXXX, ( XXXX ) XXXX which it call center is stationed in XXXX XXXX, and also holds an address at XXXX., XXXX XXXX XXXX, whom was spinned off from OCWEN Loan Servicing , LLC . 
Both OCWEN and XXXX claim they have a right to sell our family home online world wide web thru XXXX, and has connect our home to property I. XXXX XXXX. 
I have researched XXXX XXXX registry of deeds and did not locate any instruments that would give authority to OCWEN and XXXX to sell our home. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXX is an awarded asset in family law, the order has been perfected. 
I believe that a fair solution is to identity clean standing and produce true and genuine instruments ; A fair settlement, not just take my home. 
Comply with Consent Order and Homeowner 's Bill of Rights. 
It appears that my order from family law and discharge order bankruptcy has been refused by both parties. I provided all the required information, such as order from Family Law, Discharge Decree Chapter XXXX, Declared Homestead, Grant Deed, repeated times within the stated timeframes, no response or progress was ever made. 
To my knowledge Ocwen Loan Serving , LLC also XXXX have not filed any documents to establish foundation and enforce a debt, much more threaten to seize our family home. 

I request for a full, fair and complete investigation, under the supervision of an assigned Independent Case Examiner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: RoundPoint Mortgage Servicing LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage Servicing just purchased my mortgage loan. They sent a letter stating I need to make the first payment, after that going forward, they will set up auto deductions from my checking account for next month 's payment due XX/XX/XXXX. I did as they requested and forwarded XXXX 's payment to them which they cashed. Then a week later, they debited my checking account for a second XXXX 's payment, which resulted in two payments and overdrew my checking. I tried to stop the payment through my bank, they said Roundpoint would have to stop or reverse the ACH. The same day I called Roundpoint to stop payment and they did nothing. They requested for the letter I received and said they could reverse payment if they received it. Today, XX/XX/XXXX, they received payment. I called several times and spoke to different reps ; one refused to assist and wouldn't allow me to speak to a manager, the second rep hung up on me. Another rep said he would leave detail notes on my account and a supervisor will call me back. No response. When I told him that I spoke to XXXX yesterday that was also suppose to leave detailed notes and the funds were to be returned electronically, he said he didn't know about that. From Roundpoint wrongly debiting my checking account twice has left me overdrawn. 

Thank you very much for any assistance.

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 2020-03-16
Company: Experian Information Solutions 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I the consumer and original creditor entered a consumer credit transaction in which I was the creditor and the seller with Wells Fargo Auto. Because there was a finance charge involved pursuant to 15 USC 1605a ( 5 ) Insurance should be included in the finance charge. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. 

Again, I entered a consumer credit transaction with Wells Fargo Auto on XX/XX/2020. I never asked or gave Wells Fargo Auto permission to send me a bill/statement. In this bill/statement were FDPCA violations, 15 USC 1692b, 15 USC 1692e ( 10 ), 15 USC 1692e ( 11 ), 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) a and 15 USC 1692j ( a ). On XX/XX/2020, Wells Fargo Auto sent me a statement/bill of an alleged debt., with important auto-loan information stating that I received a loan. I never received a loan from Wells Fargo Auto, I only entered a consumer credit transaction with my credit card, meaning my credit card was used to originate this consumer credit transaction. Making me in fact the original creditor pursuant to 15 USC 1602g. Pursuant to 15 USC 1602i the term " credit card '' means any card, plate, coupon book, or other devices existing for the purpose of obtaining money, property, labor, or services on credit. I used my " credit card '' to obtain this property ( automobile ).

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 2020-03-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have written Experian and submitted online disputes regarding incorrect information on my credit file. I even purchased a subscription and that is a total waste of money. I filed disputes with all three credit bureaus and Experian is the on credit bureau that is not removing the inaccurate information. I spoke to a XXXX today and he told me that Experian was not removing the incorrect addresses because they are being reported by creditors. This is very pathetic that I have to keep going through this.

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 2015-12-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation