BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My home is in foreclosure. I just realized my loan originated from XXXX and all the foreclosure documents are robo signed and the company has no legal standing to foreclose on my home. They did not honor my original loan modification and they accepted several payments that were not applied to my loan and were never returned to me, I want the foreclosure reversed. I did not know previously that the assignment of the note was forged by 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 2021-12-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was refused my forbearance request for an extension of forbearance due to Covid related hardship currently in place until XX/XX/2021. ( See attached ) On or around XX/XX/2021, I was contacted by Chase that there are payments due on mortgage loan as I and my family were severely affected by coronavirus with emergency hospitalisations. On or around XX/XX/2021, I contacted all creditors/debt collectors seeking their payments including Chase and requested a Covid related forbearance. Chase granted my request on XX/XX/2021. 

I have requested an extension with my last request made and approved on XX/XX/2021 for the forbearance to be extended to XX/XX/2021. 

Despite of my numerous requests to extend the forbearance due to my Covid related hardship, I was refused further extensions and continuously transferred to incompetent agents abroad ( Presumably XXXX ) who repeatedly told me that they can not assist me. 

I am entitled up to 18 months of Covid hardship forbearance in accordance with the XXXX regulations. Yet, all my requests to extend the forbearance and discuss available options were purposefully ignored by Chase. 

I am respectfully seeking your intervention in obtaining additional 3 months Covid related forbearance to be provided by Chase in addition to your kind review of Chase current policies so that they would not ignore valid Covid related requests from XXXX XXXX like myself and would timely assist with any and all ( including forbearance ) Covid related hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
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:
USAA is still reporting an open personal loan with and $ XXXX balance that was paid off over 90 days ago. This is affecting my Debt to income when Im trying to buy a new home. Ive tried to resolve this with USAA and their representatives are completely incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX credit card did not resolve my disputed {$230.00} charge and now they are assessing me late fees, interest and reporting me to all the credit reporting agenies. 

Similar to CFPB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Snow and Sauerteig LLP
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
COLLECTOR IGNORED CEASE AND DESIT AND CEASE COMMUNICATION VIA CFPB XXXX IN XX/XX/XXXX REFUSE VALIDATION REQUEST AND WENT ON CREDIT REPORT IN VIOLATION OF XXXX AND XXXX. AND XXXX COUNT OF T.C.P.A. ON XX/XX/XXXXCALL FROM NO XXXX to XXXX ( see attached. ) LASTLY COLLECTOR IN VIOLATION OF THE DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. BANK OF AMERICA account are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( BK OF AMER XXXX, BK OF AMER 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 2020-04-12
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2020, I sent letters to Experian, XXXX, and XXXX For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from Experian, XXXX, or XXXX on these matters.

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 2021-12-20
Company: LEXISNEXIS
State: TX
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:
LEXIS NEXIS is reporting my personal data to Credit Bureaus, namely, XXXX, expressly, without my permission or any fiduciary appointments. This unlawful action exposes my personal credit to incorrect information, ie, Bankruptcy Reporting, where the Federal Bankruptcy Court in XXXX, Texas has stated that " We do not furnish information about any of our records to any credit bureau. '' After confronting XXXX about these " Invasions of Privacy Issues '' they stated that, " Lexis Nexis furnishes the information to them and I would need to send a letter to them stating that I do not have a bankruptcy from the court '' ignoring the fact that they already admitted that the information was furnish through a 3rd Party. 

In XX/XX/2021, I submitted an OPT OUT FORM on Lexis Nexis website with the confirmation # XXXX. I called the next business day, on a Monday, and requested a FREEZE ON MY PERSONAL DATA, which was completed and I was suppose to receive a copy of it in my mailbox, which has failed to arrive. 

Lexis Nexis Continues to furnish my information to 3rd parties, which resulted in my XXXX XXXX being repossessed in Louisiana and addresses I have not lived at or currently live at, false debts, fraud debt collection reporting and many more!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2020, I sent letters to XXXX, Equifax, and XXXX For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from XXXX, XXXX, or Equifax on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX, XXXX, Equifax, and XXXX are reporting information on my consumer report that is not only inaccurate, but I never gave permissible purpose to do so. They are violating my federally protected consumer rights and making it difficult to extend credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Capitol One 360 keeps changing what I owe on my loan and they also changed my mailing address on there website. They changed it to a P.O. box I know longer use and I never even told them I had it. It shows on my credit report that I have on and thats it. Im still at the same address as the one from when I purchased the vehicle so its a little scary that my address just changes like that. The credit bureaus are reporting a different amount than I owe and Im getting notices that my car loan increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: TX
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 have made several requests via mail disputes for EQUAFAX to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my EQUAFAX credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. XXXX  should be deleted as there are inaccuracies in payment history being reported. XXXX  XXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify XXXX with the letter to update my account but they have yet to fix it. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX  Update account XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureau stated they receives the verification from a bankruptcy from the court and that is not true. Since they did not disclose the correct verification process they have to remove the item from my report and not report it again. They removed it before and put it back on which they are not supposed to do.

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 2020-04-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I hired XXXX XXXX XXXX to file Chapter XXXX to avoid foreclosure. I missed regular payments to JP Morgan Chase for my Home Equity Loan. JP Morgan Chase filed a motion to dismiss the automatic stay. My attorney did not notify me and did not appear in court for me. The judge allowed the automatic stay to be lifted. A sheriff sale was set for XX/XX/XXXX. Due to the Covid-19, the foreclosure was stopped. I re-applied for a loan modification and once again was denied. See complaint XXXX. 
JP Morgan Chase will resume foreclosure after the the Covid-19 foreclosure moratorium. 

The CFPB and other financial regulators have encouraged financial institutions to work with borrowers who are or may be unable to meet their obligations because of the effects of COVID-19. Your servicer should help you identify alternatives that may be available to you given your specific circumstances. 

The only offerings they have are a Standard Short Sale, Deed-in Lieu of Foreclosure. 

I want to keep my home. I have a lot of equity in the home, the city appraisal is {$160000.00}, I owe {$46000.00}. 

I would be able to make the reinstatement amount by the end of XX/XX/2020. JP Morgan Chase will not work with me for a repayment plan or forebearance. 

I am unable to refinance due to the Chapter XXXX and my credit score being XXXX. 

Once I gain my normal hours back after the Corona Virus stay at home gets lifted, I will be able to make my monthly payments, plus additional money if needed and then pay the reinstatement in full be XX/XX/2020, I am asking for help to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unauthorized charge was made for a resort stay to my account. The bank temporarily issued a credit, then reversed it. The resort was paid for via a 3rd party and I was able to stay at the resort from XXXX XXXX XXXX, and only provided my debit card for authorization for security deposit. I was subsequently charged by the resort on XX/XX/2021 for the full resort stay, even though they were already paid for my stay by the 3rd party. I essentially paid for the stay two times, the bank did not rule on my favor despite detailed documents clearly showing the resort charge was unauthorized. They refuse to acknowledge my appeal or make any updates on the investigation and I have been requesting my money back for 6 months.

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 monetary relief
Consumer complaint received 2021-12-20
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've had bad credit my entire life I finally worked on my credit build it all payments on time. Relationship gotten so bad with demostic XXXX and XXXX gotten so weak I move into a hotel and became XXXX  and I I uses everything to survivive and I'm still XXXX  in the same hotel waiting on help and within that time frame my credit went from XXXX XXXX XXXX in 40 days no one notice or accept anything I had to say it so embarrassing

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 2021-12-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've had bad credit my entire life I finally worked on my credit build it all payments on time. Relationship gotten so bad with demostic XXXX and XXXX gotten so weak I move into a hotel and became XXXX and I I uses everything to survivive and I'm still XXXX in the same hotel waiting on help and within that time frame my credit went from XXXX XXXX XXXX in 40 days no one notice or accept anything I had to say it so embarrassing

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 2016-07-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Synchrony Bank, acting for JCPenney, claims I have an unpaid credit card debt in the amount of {$47.00} from XXXX XXXX, XXXX - that is NOT a typo, it is nearly 14 years ago. 

Over ten years ago I filed for personal bankruptcy ( XXXX XXXX, PA ) ; I believed all outstanding debts were discharged and all credit accounts were closed. 

In XXXX XXXX ( last year ) Synchrony wanted to collect {$360.00} on that old debt. I emailed and said I did not owe it ; I called and spoke to them, saying there had been an error. I heard nothing further from them until last week. They write that they made " attempts '' to collect this amount, sending additional statements with its accruing fees, that in XXXX XXXX they wrote off the new total of {$540.00} " as a loss due to non-receipt of payment. '' Subsequently, they have reported me to Transunion ( and possibly other credit bureaus ) for " serious delinquency '' and " too few accounts paid as agreed. '' They have ruined my budding positive credit. 

I dispute the original amount - and I am livid over the usurious fees arbitrarily added to that amount when they failed in their duty to contact me so I could resolve this issue in a timely manner. 

In all honesty I believe them to be a debt-collection agency with some pretentious notion that styling themselves " bank '' will garner more results. I find this appalling. 

And I 'm none too happy that I 'm having to spend hours of my time to address this, especially since I think the chances of the compounded error ever being corrected are small-to-none. 

XXXX XXXX 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 2016-09-02
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I booked a flight from XXXX to XXXX XXXX, then XXXX XXXX to XXXX and then from XXXX to a resort destination in the XXXX, all through XXXX XXXX. However, because XXXX XXXX is incompetent, my flight, XXXX, never left XXXX at its scheduled time. The flight was eventually cancelled and I was put on another flight eight hours later. This caused me to miss my two connecting flights, XXXX and XXXX. 
No fewer than four XXXX XXXX gate agents ( one in XXXX and XXXX in XXXX XXXX, where the flight had to make an emergency stop ), one customer service agent reached by telephone named " XXXX, '' and XXXX XXXX 's own public relations department, all promised me full refunds of my XXXX XXXX flight because I had missed connecting flights that I had to re-book myself at my own expense. Since I returned stateside, XXXX XXXX has refused to communicate with me about this issue and has in fact sent several demeaning and unprofessional e-mails to me. 

After filing a dispute with Synchrony Bank on XXXX XXXX, I did not hear back from them until XXXX XXXX, informing me that they are denying my dispute. Synchrony Bank had the audacity to claim that they sent multiple letter to me, when in fact they did not communicate with me at all between XXXX XXXX and XXXX XXXX. I then filed a complaint with the CFPB in late XXXX. I just found out that the CFPB for some unknown reason closed my file. I have not heard from Synchrony Bank since XXXX XXXX. I am re-filing this to obtain some sort of communication from the bank.

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 2016-08-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have XXXX jobs where I work part time at both. I have went into work with a message that XXXX company is looking for me and I need to give them a call back. Then couple days later but same week is when I have receieved a letter stating that my collection was now assigned to a new collection agency ( XXXX company ). An attempt to collect letter. They have not call me or if they had, they were no message from this company. I was told at work they had call my work multiple times and now they are calling my fiancee. I do n't know how they even got his phone number! So they are making the biggest attempt to contact everyone BUT ME for my debt! My phone number have been the same since 2008. I have never ever felt so embarassed and harrassing. I felt like my own personal business is spreading because of this company. Many coworker are asking me what 's going on ...

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 2021-12-20
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX Opened PayPal account Deposited {$500.00} cash at XXXX to new account Bought {$100.00} crypto on PayPal An hour later Blocked my money permanent limitation Can't access funds for 180 days I provided PayPal with a copy of my ID that was requested I have never used this PayPal account I did not sell anything or receive any other money on this account. PayPal refuses to give me any information on what the limitation is caused by or why just that my money is not going to be available for 6 months The only explanation that was offered was that my money would be on hold for 6 months in case there were any returns however I never sold anything on this account I just opened it that day. 

That money was put on that PayPal account to shop online for my kids XXXX presents which has snowballed into a really bad situation for myself and ultimately my kids getting XXXX presents.

Company response to consumer: Closed with non-monetary relief