BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
to Whom It May Concern : Again Chase had performed a property valuation without our knowledge and consent. Chase employees had apologize for the mistake. By taking pictures of my property and performed an unnecessary appraisal Chase had invaded our privacy. This is one of the many mistakes that Chase had done and I 'm trying to solve this issue. 
At this point we are frustrated with Chase and its mortgage services. Paying our property taxes without consent and knowledge, putting in us under mortgage assistance program when we had never missed a payment and invading our privacy by taking pictures of our property are unacceptable behavior. We are demanding that Chase cancel and void the mortgage loan in benefit of us the borrowers. All the actions that Chase had taken only guide to a fraud and fraudulent case. In exchange of any lawsuit we want Chase to remove the lien against our property and provide a free and clear title of our property. We had exhausted our energy and patience against Chase and we can not permit that a financial institution abuse us the borrowers. The loan will need to be cancelled or legal actions against Chase will be proceed.

Company response to consumer: Closed
Consumer complaint received 2022-06-18
Company: Experian Information Solutions 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:
Fraudulent accounts on 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 requesting the immediate removal of the unauthorized inquiry on my credit report. These do not belong to me. If these are to remain you must provide me proof that these are Factual.

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 2022-06-18
Company: Dovenmuehle Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Made mortgage normal monthly payment XX/XX/XXXX to the previous loan servicer Donvenmuehle ( XXXXXXXX XXXX  ). This is sent by check every month. Mortgage was transferred to new servicer ( XXXXXXXX XXXX ) XX/XX/XXXX. Was not informed loan was being transferred until MID-XX/XX/XXXX. I provided bank statements to XXXXXX/XX/XXXX showing money was drawn from account from Dovenmuehle XX/XX/XXXX. 2 payments of {$420.00} from separate bank accounts. This has been in review by their " research department '' since XXXX. sent these documents via fax XX/XX/XXXX. Called previous loan servicer before this and they said they received the payments and it was placed into the escrow account. Now XXXX is saying they've DENIED my request of a reversal ( whatever that means ) I was told the denial of reversal date was XX/XX/22. Again this has been in review since the beginning of XXXX. XXXX, there's never anyone such as a supervisor available. I've asked for one a few times now and they tell me there will be a callback. I haven't gotten a callback yet. This keeps getting pushed back, first it was XXXX, now they're saying I'm defunct for XXXX for this amount ~ {$400.00}. Neither Company wants to be held responsible for this seemingly missing money. ~ {$400.00} dollars. XXXX says I need to call Dovenmuele. Dovenmuele says I need to call XXXX, I'm getting the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
Walmart/synchrony bank account XXXX. Opened XXXX. My acct was closed on XXXX 2011 because it was delinquent then in XXXX I set up a payment plan of XXXX payments of {$100.00} every two weeks to pay off my credit card debt. My credit reflects that the account was charged off and sold to a collection agency. This debt was paid in full and should have revered been sent to a collection agency. This account is reporting inaccurate information and I would like it to be removed from all XXXX credit reports. I will follow up with a complaint to the Florida XXXX and the Florida office XXXX for a complete investigations and account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
On XX/XX/2022, I reported on my credit monitoring app that my Chrysler Capital Account increased by {$300.00}. 

On XX/XX/XXXX I called Chrysler Capital and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said Chrysler Capital and I reassured her that it did. 
I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually XXXX. 
Since XX/XX/XXXX, I have not heard back from Chrysler Capital or any subsidies on this matter. I called Chrysler Capital back. I was transferred to platinum by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. 
The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. 
I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to XXXX XXXX XXXXXXXX because nothing is due. 
I was able to make the payment on XX/XX/XXXX and this lending note never was ever XXXX days behind. 
Upon discussion with XXXX at platinum on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX  did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. 
I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. 
Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. 
Yet it was reported to the Credit Reporting Bureaus that my balance increased by {$300.00}. This did lower my score with the credit bureaus also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: MN
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:
Experian deleted and removed the following account from my Experian credit report over 1 year ago for the account being a fraudulent account : XXXX  XXXX # : XXXX, balance # : {$2000.00}, Experian has put and listed the fraudulent account back on my credit report. The account is not my XXXX account. Im frustrated and tired of Experian putting fraudulent accounts on my Experian credit report after sending Experian the Federal Trade Commission Identity Theft Report and steady informing Experian Im a victim of identity theft, but Experian continues to put and list fraudulent accounts on my Experian credit report. Something has to be done about this recurring issue and problem. The U.S. government has to investigate these credit bureaus and take over the credit bureau industry because Experian, XXXX and XXXX XXXX continues to violate the Fair Credit Reporting Act ( FCRA ) and do whatever they want to do without following federal law and violating federal laws, by continuing to do the same thing putting fraudulent accounts and credit inquiries on peoples credit reports, even after receiving notification from people that, that person is a victim of identity theft, the account is fraudulent and unauthorized, and not that persons account. Experian continues to put fraudulent accounts they previously remove from my Experian credit report back on to my Experian credit report like the above XXXX XXXX account. Its very frustrating because it hurts and drops your FICO credit score instantly.

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 2021-08-05
Company: AES/PHEAA
State: NC
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:
There is some arr, XXXX on all three credit bureaus XXXX  and XXXX  and XXXX fed loan service, XXXX all three collage, XXXX over charged me for class, XXXX I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at stray university in XXXX and at XXXX XXXX university online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few years ago I made a complaint to The CFPB and Attorney General Office, Police about XXXX a cell phone company, And another collection agency. XXXX found out the charges of {$3800.00} was fraudulent and that I did not open any account. XXXX Deleted the Fraudulent debit from my credit file. and gave an apology for all the inconvenience it cost me to clear my name I checked my Credit tonight and a collection company ENHANCED RECOVERY has the same XXXX debit that was deleted years ago. on my credit report WITH BRAND NEW DATES like it had just been open. And this issue was closed and deleted a few years ago. it took months to clear my name. I want this Taken back off my Credit report at XXXX. and they allowed for this to be placed knowing full well it was removed. because of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for refinancing Fifth Third Bank in XXXX 2015. We filled out the application and opened an account as suggested, began our home banking, began submitting all documents and exchanging correspondence. As the months went on, several obstacles seem to arise and more documentation seem to be needed and supplied. And again more and more. Then time lines seem to pop up expire, get extended, expire and disappear. More paperwork and re-submissions. Phone calls and emails to one co-owner and not to the other so that communication was not clear ... .. Finally we told XXXX XXXX, NO MORE EMAILS OR PHONE CALLS. WE WANT COMMUNICATIONS IN WRITING VIA USPS MAIL ONLY. The next communication we received was an email from a regional manager saying that our application had expired! We already had assumed that this was fraud and that we had been taken for a " RED LINED '' ride! This was a HARP refinancing loan with our equity and XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have a Checking account with Citibank ( Gold Status ) and have made international Wire Transfer of the amount {$5000.00} on XX/XX/2021 and have received Confirmation on this action next day ( XX/XX/2021 ) from Citi Gold via E-Mail. However, this wire transferred {$5000.00} is not received by Payee 's bank account ( at my savings account with Bank name : " XXXX XXXXXXXX XXXX  '' ) even after 2 weeks past. I therefore requested Citibank to pull this amount of {$5000.00} back to my checking account at Citibank. But Citibank never came back to me with any answer till today ( XX/XX/2021 ) and this Wire Transferred {$5000.00} remains disappeared. Kindly help me to get this disappeared {$5000.00} back to me account at Citibank, thank. 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 2022-06-18
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
A new surprise fee of {$1.00} appeared in XXXX on XXXX of XXXX FFEL loans serviced by Nelnet. I have continued to make on-time payments during the pandemic, plus extra payments, as FFEL loans were not paused. 

The servicer suggested the fee may have to do with the original guarantor and/or auto-pay. Auto-pay is set up for the slight interest rate discount, as it should have been for the duration of the loans, but was not. 

There should be no disincentive to use auto-pay and continue the discount. Nor should such a surprise fee, alarm about it, and its removal slow the consolidation underway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I recieved a letter of denial for modification. in that letter it stated i had 30 from that date of that letter to appeal there decision. The letter also stated no sale will be conducted until during the appeal process. I called SPS after recieving the letter in the mail at least 12 days after the date. Asking them to provide with certain documents that i would need in order to prove my appeal. On XXXX XXXX i recieved a call from a Mr . 
he advised me to send my appeal letter to " XXXX '' XXXXso i did just that he gave instructions on what to put on the letter ie in the subject box appea lwith loan number. i followed his instructions. 
after recieving the documents i requested i began my appeal On XX/XX/XXXX i sent it over I have attached the proof. On XXXX XXXX i recieved a letter stating the recieved my request for an appeal and they would get back to me within 30 days. WEll The set a sale date for XX/XX/2019, clearly im within my 30 day review period. no sale should take place, I have been calling the odsbudman dept. i spoke with XXXX XXXX.She told me that they would not postpone my sale because i was not within the time limit for appeal. I told her i was and di send it in so she looked it up and oh ok i will escalate to see if we can postphone sale date. I adviced her that we had very limited time has the XXXX holiday is approaching and the sale date is thje Monday after. She said call back MOnday XXXX, 2019 si i diid this morning only to be told to call back tomorrow There is no time left Tuesday, wensday  thats it holiday come MOnday  morning it goes to sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have utilized XXXX XXXX for over one year and in that time have had numerous hard inquiries put on my credit by an unknown person using an old address of mine. I 've contacted each credit reporting agency, the sheriff Dept, and the ftc and " no one can do anything about it ''. The credit inquiries continue despite multiple fraud alerts placed on my credit and the companies refuse to remove the inquiries despite my insistence that my credit is being fraudulently used. 
I will soon be obtaining legal counsel for this issue if it can not be remedied. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern : I recently ( XXXX ), contacted PRMG loan ( Paramount residential mortgage group, XXXX XXXX XXXX, ( XXXX ) XXXX XXXX OH XXXX ) about a cash out refinance on my home located in XXXX Closing date was set for XXXX, I filled out the necessary paperwork and signed dated and returned it to there office via email. I was then told by XXXX XXXX-loan officer email XXXX that an appraisal and an engineer to provide an engineering certification would be ordered at my cost ( nearly {$1000.00} USD ). I proceeded to pay both fees and the appraisal, which came in above and beyond the required amount, and also paid the fee to the engineering firm which also came in as satisfactory. After further investigation by PRMG loan, they said I was not going to be approved for the loan. At that time, we had a conference call with XXXX, myself and XXXX XXXX-branch manager ( same address as XXXX XXXX, and supposedly they had a company that could help with my refinance, ( felt I was being palmed off on another company ) I contacted the new company and have not heard a word from them since I sent them an email making some inquiries. I feel PRMG should of thoroughly investigated my credit history before the fact that I was lead on about being approved and spending nearly {$1000.00} USD for both appraisal and engineering certificate. I feel this practice is bait and switch and shouldn't be tolerated by consumers who are not in a position to throw away {$1000.00} dollars. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, Equifax, XXXX Hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this was all pulled and added to my credit bureau without my wrighten consent and has violated my rights of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX, TransUnion- Hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX New XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, this was all pulled and added to my credit bureau without my wrighten consent and has violated my rights of privacy.

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2022, I reported on my credit monitoring app that my XXXX XXXX Account increased by {$300.00}. 

On XX/XX/XXXX I called XXXX XXXX and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said XXXX XXXX and I reassured her that it did. 
I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually XXXX. 
Since XX/XX/XXXX, I have not heard back from XXXX XXXX or any subsidies on this matter. I called XXXX XXXX back. I was transferred to XXXX by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. 
The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. 
I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to XXXX XXXX XXXXXXXX because nothing is due. 
I was able to make the payment on XX/XX/XXXX and this lending note never was ever XXXX days behind. 
Upon discussion with XXXX at platinum on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. 
I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. 
Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. 
Yet it was reported to the Credit Reporting Bureaus that my balance increased by {$300.00}. This did lower my score with the credit bureaus also.

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