BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: AFNI 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: Was not notified of investigation status or results

Complaint:
THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank holds the first loan on my owner occupied home. Their loan payments are due on the XXXX of the month and late by the XXXX, if the payment is not received to their " special collection '' location in XXXX, Ohio. My loan payment can not be paid at any Chase Bank in California, in fact they have a branch less than XXXX mile from my home. 

My problem is that Chase, who knows well in advance, exactly what my next month 's payment should be, does not even produce the loan statement with the payment coupon enclosed, until the XXXX of the month. Chase then mails it in a bulk zip code format without a postmark & it does not usually arrive at my home until the XXXX-XXXX of the month. 

I am therefore required to send my monthly payment to XXXX, OH by USPS 2-day priority mail or by XXXX 2 day delivery at an additional cost of {$20.00}. 

I believe that Chase should send my monthly payment statement well before the XXXX of the month so I have 15 days to make my payment without the fear of a late charge and the negative effect it will have on my credit score. 

Question, Is there a code section that you can refer me to either Federal or CA that states how many days prior, to first day of each month, that I should receive my monthly payment statement with the coupon enclosed, so that I have at least 15 calendar days to make my mortgage payment? 

Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written to Cavalry Portfolio Services LLC on three separate occasions asking them to verify the debt account they have purchased from XXXX. In all three cases they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
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:
Equifax and XXXX  should not be reporting that I am ( 60 ) days late on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID verification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late 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 response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Payment was submitted to Navient and I received confirmation number. Payment was never taken out of the bank account. Navient have said the payment could not be processed, and it was rejected. No reason was given for why the payment was rejected ( insufficient funds, wrong account number, expired card, etc ). No communication was given about the payment not being able to go through. I was not informed until the next time payment was called in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase bank breached my account, and gave my information to someone else and me access to someones account. The resolution is for me to change my account info and update my automatic payment and direct deposits, for my safety? Though the bank had an obligation to keep your information safe? If they do n't what happens? Where can we get help fighting the banks?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: JPMORGAN CHASE & CO.
State: ID
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Leased a XXXX from XXXX XXXX XXXX ( Chase Bank ) 3.5 years back- lease had a buy back provision at the end of the lease which I used about 35 days back. In the process of buying the car they offered financing which I accepted and they collected {$850.00} as part of the finance contract buying the car. My first payment was due a couple of days ago, and they are still holding on the the sales tax money needed to register my car. I am a retired auto dealer and have decades of experience financing and titling cars in Idaho, and right now I am driving an unregistered vehicle. The instructions with the contract Chase mailed said they would mail a check for the taxes due to register the car. I called on XXXX earlier occasions, on XXXX they said they would send the money electronically and the second they said they would mail a check. Today I received a letter from them saying they would transmit the money electronically to the state XXXX on XXXX. 
How do they do this? My first payment is due and I am being asked to pay for a car I ca n't register. If I go pay the taxes again myself I have no guarantee I can collect them back from Chase, especially given their record on this transaction to date, and I am driving an improperly registered car and if they come through on the XXXX being asked to do so for almost 2 months. If I had floated state tax money like this when I was an auto dealer they would have locked the doors. I would also imagine if they are doing this with me they are doing it with everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Honestly, many things went wrong in my house buying process, but here 's the latest. I just recently found out my home loan is no longer a FHA loan but a conventional loan instead. All of my loan papers say FHA everywhere, I never refinanced. I did get a loan modification, but my FHA status never changed. 
According to my loan papers {$850.00} was an upfront fee. I called FHA to find what happened, they told me my FHA case was closed. No reason was given, at that point I called phh mortgage company, I was recently transferred. 
The company did a small investigation, about a week long, somehow, could not explain what happened. They did explain how investors buy mortgages and my loan became a conventional loan. I said can not happened except I sign off on it, He claimed I did, I said show me the papers with my signature and he later admitted he could not find the papers. I want that XXXX back, and I would like my FHA coverage again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: NY
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've wrote through several letters of attempts to remove inaccurate information and accounts that are in FCRA violations from XXXX XXXX XXXX XXXX. These accounts are still reporting on my credit profile. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.

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 2015-04-24
Company: CHECK INTO CASH INC.
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a message from the collection agency stating they were called XXXX XXXX Law firm saying that my name and phone number was involved in an invention and that my returned call was required to show that I was compliant. I called them bck and spoke with a man that sacked me if I was XXXX XXXX. I explained that I was. He than advised me he was trying to collect a debt for Check Into Cash. I tried to explain to him that I was willing to pay XXXX a month to pay off the debt he explained that he could n't take that amount that he could do XXXX with XXXX payments over 3 mos. I explained I could n't pay that I only make XXXX hour plus tips. He than advised me that he could n't do that and that he would forward my conversation to XXXX County court that I was unwilling to work on settling the debt at the very end of the call he advised he was recording the call and hung up. That same evening XXXX XXXX XXXX 2015. I received another call from the same number listened to the voicemail and it was just music. That next morning XXXX XXXX 2015 I received another call around XXXX, Spoke with a lady I explained to her that if she was recording the call that she needed to advise me at the beginning of the call not at the end as the man I spoke with the day before did n't do. She stated " I SEE YOUR a waste of time and I will forward this.to our process server and see you in court '', and hung up. I called them back and.spoke with another man advised him that I did n't appreciate the way they were representing XXXX XXXX themselves as a collection agency and that I was try I.g to resolve the debt at this point he advised me he was XXXX garnish my wages for the debt. the man would not let me.speak kept interrupting stating that he could n't hear what I was saying. The called ended. I do n't know if they are an attorney or a collection agency they disnt give me any information such as collection address or any other identification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: National Recovery Solutions, LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I spoke with XXXX of National Recovery service on the week of XX/XX/2016. National Recovery Service contacted the main office of my job instead of calling the extension that I placed on my application. I asked them to no longer contact me at any other number except for my personal cell phone number. On XX/XX/2016 XXXX from National Recovery Service contacted my husband at his job looking for me. I called XXXX back and reminded her that I requested that they not call me at any other number. XXXX told me it was in there system to not call any other number. XXXX told me " XXXX is your husband so I can call him ''. They are continuing to contact me even though I have instructed them to not call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
By my recent experiences ... GMAC and XXXX are totally unwilling to lower or eliminate monthly pmts during this deadly CORONA crisis. 

GMAC has tried to twist my arm to pay - even though I have no income nor money to pay. 
In my talks with their rep XXXX XX/XX/2020 their rep admitted that they don't really know what to do.. She grilled me if I have -- - Unemployment, XXXX ect. Everything she could think of to try to force me to pay ... To me these arrogant hard nosed companies are extortive Financial XXXX ... 

MAKE THEM HELP US!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

XXXX XXXX XXXX, XXXX, XXXX XXXXl XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 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 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Navient Solutions, LLC.
State: HI
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:
Hi, I hope you can help resolve the following issue. The Municipal Services Bureau sent a collection notice to me ; however, they have the wrong person. This is the second time this collection agency has sent notices to me for the wrong person at my address. 

On XXXX, XXXX/XXXX/16, I received a collection notice from MSB for {$1400.00} for alleged outstanding traffic violations emanating out of XXXX, XXXX XXXX XXXX. Several years ago I received a collection notice from the same company, again as a result of traffic fines out of XXXX, XXXX, Hawaii. In XXXX instances the middle name of the party is different from mine as well as different dates of birth and social security numbers. 

I 'm a XXXX, and have never resided in XXXX, XXXX, Hawaii. I also have never had a traffic violation in my life. 

Upon conducting checks for XXXX instances, I learned that the Municipal Services Bureau utilizes a " Skip Trace System '' that somehow gets my name and address for the above mentioned traffic complaints. I have contacted the courts for XXXX incidents and they do not know how the collection agency can get the information so wrong with what is provided to them. 

Please contact the Municipal Services Bureau on my behalf and remedy the situation. This would be greatly appreciated. 

I would like my name and address to be removed from their system and want a letter of apology from them and have them indicate what steps have been taken to ensure this never happens again. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) Several weeks ago I called Chase about removing my PMI payments and was informed about a special program whereby an appraisal can be waived if there is a significant positive difference between the current market value of my home and the price I paid ( XXXX estimates today 's value as {$230000.00} and I paid {$160000.00} ). I think this is significant. Accordingly, I requested an application be filed to have my PMI removed. 
2 ) Chase responded a week later with a form letter and an appraisal application. No mention of the above program for which I asked to be considered for. 
3 ) Again, I called Chase and complained there was no mention of the program that I requested I be considered for. This representative was also familiar with that program and said she would resubmit my request and specifically ask that they address this special program ( it had a name but I have forgotten it ), when responding. 
4 ) I called again 10 days later and I was told that that request was never made, that was no record of my call and the representative said " that no such program exists. '' I have gotten conflicting information from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Statebridge Company
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Same as XXXX other people I saw under XXXX complaints, My Bank, XXXX Mailed pymt XXXX XXXX. to Statebridge LLC, XXXX # XXXX, StateBridge said they did not receive until XXXX XXXX and charged me {$32.00}. In past 10 years using XXXX XXXX to pay my bills I have never had a problem with bills being paid within the time posted by XXXX XXXX XXXX. My XXXX payment was sent to Statebridge LLC on XXXX XXXX and held by StateBridge till XXXX XXXX thus incurring a {$32.00} late fee ( see attached ). In speaking with StateBridge on XXXX XXXX 2017 the attitude was " PROVE IT '' As explained by XXXX, employee number XXXX he has been waiting for a baseball hat for 3 weeks thru the mail, suggesting I should pay StateBridge {$5.00} fee and pay online to insure my payment is received on time. Supervisor XXXX XXXX broke the Law when he refused to tell me Statebridge LLC License number after I asked. Further XXXX XXXX stated the XXXX XXXX, which is on second page of mortgage statements, was related to real estate misleading myself from fact it is StateBridge LLC license Number to do business servicing loans. Today, XXXX/XXXX/2017 XXXX, " XXXX '' who would not give me an employee ID # or his full name told me there was no license number to give out after I asked him and he had to ask a supervisor if it was ok to give out. So it appears StateBridge LLC will not allow payments to be made " free of charge '' unless the consumer sets up auto pay. I would not set up auto pay with a company I trust let alone a Company like StateBridge LLC whom I do NOT TRUST. Thus again, my story sounds like the XXXX other complaints on XXXX- ' Never been late or had issue with mail being delivered on time-EXCEPT FOR STATEBRIDGE LLC WHO SAYS PROVE IT. ' I will not pay a late fee from a company who, in my opinion, intentionally extorts fees while the consumer is making the mortgage payment to stay in compliance with mortgage agreement. Here are just a few other complaints on XXXX : XXXX XXXX & XXXX & XXXX # XXXX XXXX XXXX, Also I wish to point out The Credit Bureau has a " D '' rating for this company. How is this company allowed to do any business with mortgages after the Dodd-Frank Bill was enacted?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: National Management Recovery Corp. (NMRC)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This company National Management Recovery Corp, ( www.nationalrecovery.net ) has been calling my office leaving messages on the general voice mail for all employees to hear, stating I am being investigated for fraud and to call them back? 
I sent XXXX certified letters to this company because there is XXXX address listed. Stating to send me in writing the debt and amount owed? Still this has not been done, they just call my office which I stated in the letter Can not be called, as my job will be at risk for these false accusations. 
I need help from someone to fight this illegal company? The number that they called from now is a VOIP number : XXXX there website list a different number. I am in a credit consolidation program and all creditors are being paid and addressed. This company will not tell me what the debt is or call me on my personal phone, only my office phone? 
I have done everything legally possible to find out what the debt is and to stop them from calling my place of business.

Company response to consumer: Closed with explanation