BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-19
Company: JPMORGAN CHASE & CO.
State: KY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a letter from the Mortgage Banking Executive Office on XX/XX/XXXX, and at that time were in settlement negotiations with the attorneys on my case for JPMorgan Chase, which I have been in since XX/XX/XXXX or thereabouts when an Agent for Chase called and asked if I would do a deed in lieu of foreclosure. As Chase is represented by counsel I felt I needed to obtain authorization from their attorney to discuss this type of matter with them. At that point I contacted their attorney of record and she gave permission for me to discuss this with Chase. My divorce attorney sent and email to the attorney offering to settle the foreclosure action for a deed in lieu. The attorney for Chase sent back and email asking if XXXX XXXX would sign. My divorce attorney said yes on XX/XX/XXXX. We did not hear back from the attorney and on XX/XX/XXXX in a court hearing they moved for and were granted summary judgment against me. 
XXXX of the basic defenses in my case was that no loss-mitigation was ever offered to me. Pursuant to XXXX XXXX XXXX XXXX XXXX v. XXXX. XXXX failure to comply with loss mitigation procedures ( FHA in this case ) created a genuine issue of material fact that precluded foreclosure ( and impacted the foreclosing Plaintiff 's equitable standing ). In my case this is a XXXX loan and I have found guaranteed by XXXX XXXX, which means it was probably securitized in a XXXX pool. 
On XX/XX/XXXX Chase 's attorney informed me that they reason they did the summary judgment was " the investor denied the deed in lieu '' on XX/XX/XXXX. Throughout this entire court matter JPMorgan Chase has represented itself as the owner/servicer. I was unaware of any investor in this matter that had a legal right to deny loss mitigation or settlement. If this " investor '' is the true party in interest, why were n't they before the court in the foreclosure action? The investor was n't XXXX as I have spoken with them and I am in the process of filing a formal complaint with them to deny the guaranty on the loan and have my {$2900.00} that I paid for that loan refunded to me as the servicer for the loan did not follow loss-mitigation required by the XXXX laws, policies and procedures. Banks have a right to collect the amounts they owe, but they also have an obligation for good faith and fair dealing outside of and in court actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I requested that my card / account be canceled and that the associated membership fee be canceled. This was done when I sent in payment for my bill. Which is in accordance the the cancellation policy stated on the back of the bill. However, contrary to my request, the account was not canceled and I was charged a fee. This account was a Chase Southwest Rapid Rewards card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Real Time Group, Inc.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX 2015 a short sale file XXXX lien holder ( Real Time Resolutions ) submitted the file to the investor ( was told XXXX XXXX XXXX ) for possible approval of the short sale. Since then we have been waiting for their answer. We have been waiting over 2 months. In eight years of negotiating short sales I have never seen an answer take this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do not owe this company a dime, I have disputed and requested validation and nothing has arrived. Please help 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 2022-07-27
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX Balance : {$2600.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2016-09-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company added a collection to all XXXX credit bureau 's for a debt I DO NOT owe. I have contacted the company and asked for proof the support these charges and have gotten no response. ( see attached letter and fax confirmation ). 

These charges that FCO is attempting to collect stem from a 1 year rental agreement ( XX/XX/XXXX to XX/XX/XXXX ) with their client XXXX XXXX XXXX. At the end of my 1 year contract I chose not to renew my lease because the renewal rental rate was far greater that market rate for the home and area so I submitted my notice to vacate and moved XX/XX/XXXX. The house and carpets were professionally cleaned and the house was left in good repair when I moved out. I requested an exit walk thru appointment was told by XXXX this was not necessary and they would contact me if there were concerns to be addressed. I heard nothing further from XXXX so I assumed everything was fine until a few months ago when this collection showed up on all XXXX credit bureau files. The collection agency ( FCO ) sent me a letter and a ledger of charges from XXXX which made up the balance they were collecting and I was literally dumbfounded. I am being charged for an increase in rent for XX/XX/XXXX which reflects the renewal rate even though I was still contracted at the rate of {$1300.00} per month. I am being charged rent for XX/XX/XXXX at the renewal rate when I my lease has already ended and I had moved out. I am being charged for General Maintenance to make repairs ( what does that even mean? ), for weed spray applied to the yard, dryer vent cleaning, repainting the ENTIRE house, and the list goes on and on. Under NC law ALL the things they are charging me for and attempting to collect fall under reasonable wear and tear. I have asked for proof of the necessity of these repairs as proof of damage beyond reasonable wear and tear and defined by NC statue and have gotten no reply.

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 2016-05-17
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved XXXX and let my recently widowed stepfather and motherless sister move in after me. I left the cable plan going for them, too, which I had with XXXX. 

They bounced checks and did not tell me, nor did XXXX. Once XXXX had had enough, they canceled the service, seized the equipment in person, and put on fees for returned checks, early termination, and for the equipment that was seized. They sent the debt to a company called AFNI. 

AFNI asked that I pay some {$1400.00} for not paying a cable bill - when asked to justify that amount they said I had to call XXXX. I did. XXXX said they charged me for the equipment - I said I 'd pay what I owed, but not the equipment, since my family told me that someone came and took it. XXXX said to wait while they did inventory, and to not pay anything to anyone until they did, and then after to pay them directly. 

I waited. 

XXXX said they found it and the new amount was some {$970.00}. I asked if it was on my credit report yet, they said no. I asked what I had to do to keep it out of my credit report, and did exactly what they said I had to do. They offered a payment schedule plan and I said I could do it in two months, and did. 

After the first month 's payment AFNI put a hit on my credit report. I called XXXX and they said it was a mistake, that they 'd delete it, and that once I paid the rest they would do so. I did. Nothing happened on their end. 

I called back over the course of months trying to get them to do what they said they would do, to honor their original agreement to not put anything on my report or to delete it once it was put on there. I got mixed answers ranging from " some other department will do it '' to " we will call you back '' to " the last person lied we do n't do that at all. '' I appealed directly to the credit agencies and XXXX and XXXX deleted it quickly, without incident. XXXX says that I " settled and paid less than the full amount '' ( I did not, they asked me to pay more than I owed in the first place! ) and that I defaulted ( I did not, I paid exactly as they told me to, and explicitly asked what to do to keep it off of my credit report, and did as told ). 

XXXX states that AFNI claims they own the debt and that it 's mine, despite XXXX being paid by me directly and AFNI 's refusal to work with me regarding the amount I actually owed. XXXX refuses to either delete it or correctly remark that I did not settle for anything, but rather paid what I was told I actually owed in the first place. 

XXXX records all of their phone calls and refuses to give me copies of these calls despite telling me they would in XXXX6 weeks in XXXX. It is now mid XXXX. 

Do not trust XXXX. Do not trust AFNI. Do not do anything without getting it in writing. Stay persistent if this ever happens to you, and do n't try to throw your family a bone after your mother died.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint to delete the fraudulent account in my file that is reporting on Experian Credit Bureau. I am avictim of identity theft and did not make the charge or the account. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commission'sIdentityTheft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide with the exact sourcewhere you received such information, so I may take appropriate legal action

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 2022-08-17
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}

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 2022-01-24
Company: Convergent Resources, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I requested the Credit Bureaus to verify the debt of Convergent Outsourcing. I have not received any updates of any of my requests. I also contacted Convergent Outsourcing directly and they have to response to my multiple requests for them to verify this debt actually belongs to me with a signed written agreement as the Fair Credit Laws entitle 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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Late Date XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-24
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a student loan with a FirstMark Services and sent a check on XX/XX/XXXX to payoff my loan. FirstMark applied my payment on XX/XX/XXXX ending in a large credit balance of {$1600.00}. My payoff cheque sent was over the amount I owed. 
I called Firstmark for the second time since the payoff and was told that I will not receive the funds for another 3 weeks. The first time I called I was told I would have the funds by XX/XX/XXXX The refund amount {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Somehow its showing that I have an debt with a circuit court, but when I went down there to the court they stated that they dont know why these judgements are showing on my credit report. This judgement does not belong to me. Along with numerous inquiries and open accounts without my consent such as, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}

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 2022-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I opened a Capital One XXXXXXXX XXXX card in XXXX of this year and have been using it as my primary card ever since. I signed up for it when they were offering a XXXX sign-up bonus for $ XXXX spent in the XXXX 6 months. I've been paying off the card fully every month and only charging about 5-10 % of my total limit every month. Up until a few weeks ago, I hadn't had any problems and customer service was very helpful the few times I called them with quick questions. However, a couple of weeks ago this completely changed. 

My card was restricted after I tried to book a hotel which I do very frequently with this card as it is a travel card and I do travel often. I was told that my account was restricted because they supposedly detected fraud from this purchase. They sent me an email with a link to upload a form of identification to verify my identity. Wanting to get my account back ASAP, I uploaded a picture of my driver 's license, passport, and US Military ID. They said it can take up to 7-10 days to process, so I waited ... and nothing happened. A couple of days ago I called customer service looking for an update as my account was still restricted and I had heard nothing from them. The lady informed me that they couldn't verify my identity from the XXXX documents I provided and she asked for more ; a social security card and bank statement. I sent these and called back a day later to see if there was an update. To my surprise, they told me that they still could not validate my identity and that they permanently restricted my account. I asked what I could do to verify my identity and get my account back and I was told " there is nothing we can do to fix this, you need to pay off the balance and close the account. '' Utterly bewildered by this statement I called back hoping to get someone more helpful, but they said the same. This comes at the time when I am extremely close to reaching my XXXX point sign-up bonus which makes this feel almost intentional. I do not understand how I can call a company about a problem that they created and when I ask how to resolve it, I simply get " there is nothing that we can do. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax several times about unauthorized inquiries that was placed on my report. When I first contacted Equifax several months ago they advised me to place a fraud alert on my account and contact each company to have them remove. After contacting each company by certified letters and phone calls, I 'm told by these companies to place a dispute with the credit bureau it 's reporting too. I 've contacted each of these companies, by certified mail, requesting documentation that these inquiries where authorize by me. Majority of their respond where get in contact with the credit bureau. As we know, mailing letters to these companies was very expensive only to receive a letter back stating contact the credit bureau

Company response to consumer: Closed with explanation