BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Approximately 60 plus days ago ( on or mid XX/XX/2022 ), I spoke to and submitted required documentations and filled out proper information to apply for a short term loan on a single family house ( House A ) that had no debt.

The reason was that a we needed cash for closing on a new purchase of a home in another state. ( House B ) The amount needed for cash at closing was a {>= $1,000,000}. 

{$400000.00} was needed for a down payment. These funds came from a HELOC ( House A ) House A appraised by lender in question was {>= $1,000,000}, the amount of the loan would be approximately {$700000.00}. The lender in question knew from day one, that this amount would be paid off when House A was sold in the next 12 months.

From the 1st day ( and documented with many e-mail chains ), The lender was very well aware that the loan for House B was being secured by another lender.

Last Week the lender in question promoted that they would like to loan on House A and House B. This lender interest rate was about 1 % more than the lender that was already in place for House B.

As mentioned, this lender knew from day ONE, the need for a short term loan AND that the lender in place for House B had a lower interest rate. 

We go through almost 60 days and lender in question wants to loan on " both '' houses and even made the comment " better to have both loans under XXXX roof '' ( backed up by e-mail. 
The lender in question KNEW that their interest rate was higher and knew very well the loan to debt ratio .... this is the lenders comment " I realize that is an incredible deal, would you give me the opportunity to match XXXX. If you can provide the documentation, I will take it to my management team and see what we can do to keep all your banking under one roof. '' When I said I will keep the lender for House B, a day later an email said " can not do the loan '' The lender in question supervisor also sent a email supporting the loan denial for " reasons '' There is a long email chain backing up statements and " killed '' the loan on House A when I said I would stay with other lender on House B They knew very well from day ONE about debt ratio and it as NEVER a problem until I said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been trying to resolve the issue of insurance charges to my account for over  six months. There is a escrow account attached to my account that should have never been   established I have provided proof of private insurance and certificate of liability insurance from  XXXX   XXXX   XXXX  to certify that the policy of insurance in respect to my property.     I am still being charged and escrow of {$99.00} each month on top of fees and fraudglent balances of money charged for something that I already have had in place for over the last 10 years!!     My account needs to be adjusted and the fees to be reversed and credit back to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Called Bank  of America credit card costumer service Nevada location on  XXXX   XXXX ,  2017  to resolve a late fee charge of {$25.00}, same day I immediately pay a certain amount of my existing bill. The lady who answered my call told that i can not get the fee back since it already happens twice. On my end, it just so happen that I forgot to log in on my due date and forgot to pay my bills on time which when i remember 5 days after i paid not only the minimum amount and that 's the reason why i called them right away for that late fee. I call them for their consideration and also ask them for help to set up auto deduction in which they cant do it for me instead they want me to do it myself. Everyone is busy and sometimes might fall on the cr ack. Got very ups et with the lady who answered my call who can not resolve the issue but argues with me. I even asked if I can speak with his supervisor but keep on arguing and did n't escalate the issue to the right person. I ended up the call closing my credit card account with them.

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 2016-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TRANSUNION : THIS DISPUTE DOES NOT GIVE YOU PERMISSION OR AUTHORIZATION TO PUT ANY KIND OF EXTENDED FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT. I AM ASKING FOR VERIFICATION OF XXXX LINE ITEMS ON MY CREDIT REPORT THAT I SEE FROM A NEW UPDATED REPORT THAT I RECEIVED TODAY FROM YOU. SECTION 609 OF THE FCRA ALLOWS ME TO ASK THAT YOU AS A CREDIT BUREAU SUPPLY ME WITH PHYSICAL PROOF OF WHAT YOU ARE REPORTING IS ACCURATE, COMPLETE AND VERIFIABLE. YOU HAVE BEEN UNABLE TO DO SO WITHIN A 30 DAY PERIOD SO NOW I MUST FILE THIS COMPLAINT. THE FOLLOWING ARE TO BE REMOVED IMMEDIATELY AS THEY DO NOT MEET FCRA GUIDELINES. 

1. XXXX. THIS AGENCY IS TELLING ME THAT THE RENTAL LEASE FOR XXXX XXXX IS UNDER XXXX XXXX NAME BUT YET YOU ARE REPORTING IT ON MY CREDIT REPORT. IF YOU HAD THE ORIGINAL CONTRACT AS YOU ARE SUPPOSED TO YOU WOULD SEE THIS. I AM DEMANDING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS YOU DO NOT HAVE SUFFICIENT PROOF THAT THIS IS A LEGIT ACCOUNT LINKED TO ME. 

2. XXXX. YOU ARE REPORTING THAT I WAS DELINQUENT ON THIS ACCOUNT XX/XX/2011. THIS INFORMATION IS INCORRECT. THIS PARTICULAR ACCOUNT HAS BEEN IN A FORBEARANCE STATUS FOR YEARS. YOU ARE TO SHOW SUFFICIENT PROOF THAT I WAS INDEED LATE. IF YOU ARE UNABLE TO SUPPLY ME WITH PHYSICAL PROOF I AM REQUESTING, NO DEMANDING THAT THIS ACCOUNT REFLECT AN OK STATUS FOR EACH AND EVERY MONTH THAT YOU HAVE LISTED. YOU ARE INCORRECT THAT I WAS EVER LATE ON THIS LOAN WITH THE FEDERAL GOVERNMENT. SIMPLY SAYING YOU HAVE VERIFIED BOTH OF THESE ACCOUNTS DOES NOT MEET FCRA GUIDELINES.

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 2022-03-26
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX, XXXX and XXXX XXXX 15U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: London & London
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
London and London claims I owe XXXX to XXXX XXXX. The balance is well over my credit line of XXXX, part of the debt is the result of fraudulent charges and at least XXXX is questionable as it brings the account well over limit, I suspect either XXXX XXXX or London and London added on bogus charges so as to make it appear I owe more than I actually do. At least 3500 is due to fraudulent charges. Please note, I did attempt to make payment arrangements with XXXX XXXX several times, the last online chat rep would not cooperate and said to wait until a payment had posted at the time before making any arrangements. Most recently, I made additional attempts to discuss debt with XXXX XXXX, however, calls were transfered to recovery dept where calls are recorded. I refuse to speak with anyone on any recorded line, reps were advised of this several times. However, they insist on recording calls in case any payment arrangement is missed. One rep advised me they do not accept settlement offers, which is a shame as a settlement amount would resolve it. Please advise London and London that most of this debt is fraud/bogus and refuse to pay unless a reasonable settlement offer is made to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requested that the company XXXXXXXX XXXX XXXXXXXX, XXXX provide me with documentation that I owe them the debt that they are collecting for on TransUnion and XXXX. I have sent a response to them in reference to the documentation they provided on XX/XX/2022. They did not respond to this letter and have chosen to ignore the matter while still reporting erroneous information to my credit files with TransUnion and XXXX. I request that TransUnion and XXXX effectively remove this collection from my respective reports as they have failed to respond appropriately to my request on XX/XX/2022 and are violating the FCRA by doing so. See below for the claim I have submitted to XXXX XXXX  XXXX XXXX XXXX through the CFPB XX/XX/2022. 

In reference to CFPB claim XXXX and the documentation, I received on XX/XX/2022. The documents are unresponsive to my demand. I requested proof that I owe XXXX XXXX  XXXX, XXXX money. However, the documentation sent to me refers to an Internet, TV, and Phone company named XXXX. I sent a letter to XXXX XXXX  XXXX XXXX XXXX on XXXX, requesting they provide me evidence that I owe XXXX XXXX XXXX, XXXX money. If they can not provide such documentation, they should remove the erroneous collection from my credit file with TransUnion and XXXX. They chose to ignore this letter and did not respond. I am now invoking my right to have the account this erroneous collection removed/deleted from my credit file with TransUnion and XXXX. I have not been provided proper documentation showing that I owe XXXX XXXX  XXXX, XXXX anything, and they have not responded to my letter for over 45 days.

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 2022-03-26
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My payments were originally due on the XXXX of every month. I made my payment on XX/XX/XXXX and attempted to change my payment towards the XXXXXXXX XXXX of the month. The ONLY option was the date XX/XX/XXXX. Apparently I selected that date in error which made an additional payment due again on XX/XX/XXXX. I tried to call immediately and get it corrected it am unable to get it resolved and was told I would need to make double payments every month to prevent from being reported as late to the credit bureaus for the duration of the 36 month contract

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX 2010, we were forced to relocate for a job. To do so, we had to short sell our home. At the time we had XXXX mortgage lenders, XXXX of which was XXXX Bank. XXXX mortgage lenders agreed to report on our credit reports that we settled for less than the amount owed. This was a bank approved short sale. We NEVER had any late payments, current all the way up to the final sale of the house. XXXX bank reported the sale as a foreclosure on our credit reports, as well as a serious delinquency. This is completely untrue, and as a result has had a major derogatory impact on our credit score. We have made multiple attempts to have this fixed, and they have refused. XXXX reported it correctly, XXXX absolutely did not. Please expedite this request because we do not want to suffer another financial consequence because we are in the process of refinancing, and this is substantially effecting our credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone used my identity to open an account with XXXX XXXX XXXX XXXX out of XXXX Texas. I have never lived or visited XXXX Texas, the address in question is XXXX XXXX XXXX, XXXX Texas XXXX. I have contact the collection agency ( Transworld Systems ) XXXX XXXX XXXX onXXXX XXXX and the Federal Trade Commission on XXXX XX/XX/2022. Transworld Systems case number is XXXX, Federal trade commission report number is XXXX this obliviously fraud committed against me, and I would like this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/2020, I received a notice through XXXX that a collection had been opened up on my credit account. The collection was reported through XXXX. 
The collection was through a company identified as Southwest Credit Collection for the amount of {$300.00}. No further information was noted as far as for what this was for, etc. XXXX  was immediately contacted and a dispute filed as well as a credit freeze/ monitor request. 

I have never conducted any business transactions nor heard about this company. This action has dropped my credit score over 20 points. Additionally, my credit, up until this incident was great, as I regularly pay all my accounts off ( credit cards ) monthly and keep a low debt balance. There has been no communication from this company either, just a mark on my credit for whatever business Ive never done with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Movement Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This lender-servicing company, Movement Mortgage , has failed to refund to me the annual escrow surplus in the amount of {$7100.00}. I received the required annual analysis on XX/XX/2022 and it stated " Your escrow refund check will be mailed to you in a separate envelope. '' I have called 4 times to report that no check ever arrived : on the first call on XX/XX/XXXX the representative stated that it had been sent and should arrive within the week. On the 2nd call on XX/XX/XXXX, another representative told me the check had never been cut and sent, and could not explain why. On the 3rd call on XX/XX/XXXX, the representative hung up on me. On the 4th call on XX/XX/XXXX, the representative said he would stop payment on a payment issued on XX/XX/XXXX and electronically deposit the funds to my checking account " sometime after XX/XX/XXXX. '' The representative asked to place me on a brief hold and said " XXXX XXXX XXXX XXXX  '' before I was placed on hold and then disconnected. 

They have been withholding my rightful ( and promised ) refund since XX/XX/2022. See attached " ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT '' published on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Hi, I called Chase Credit card customer care number XXXX on XX/XX/2017 at around XXXX. 

The executive was n't talking professionally and was n't able to give me complete information. He seemed to be untrained and without sufficient knowledge. Prior to that, he asked for my SSN and asked for account password or security question ( my mother 's maiden name ) to verify my identity. 

I need to know if it is a standard procedure at Chase to ask SSN and account password for verification purpose? But, why shall I share my security question or account password? 

But anyhow, I had to share my SSN and my mother 's maiden name for verification purpose as he was n't giving me option to answer any other verification questions. 

I need assurance that the person to whom I spoke to is a genuine person and my identity details were shared with a reliable customer care executive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making overpayments and they are misdirecting them and subtracting them from loan only to add the same amount back on to loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with Mr Cooper ( a.k.a. Nationstar Mortgage ) has yet to receive a 1098 for 2021. My loan # is XXXX. I have contacted their customer service call center numerous times and had three " cases '' opened to request the 1098, all without successful resolution. The case numbers were XXXX, XXXX, and XXXX. As of XX/XX/XXXX, neither the mortgage portal shows my 1098 nor have I received one via USPS mail. To be explicit, the missing 1098 from loan # XXXX should include interest for about XX/XX/2021- XX/XX/2021. The loan was then refinanced and I received a XXXX for the new mortgage, but not yet for this prior one. As I have reached out multiple times, the interest amount is over the {$600.00} IRS requirement, and Mr Cooper is still unable to produce the required document, I request assistance in resolving this. This is not the first issue I've had with Mr Cooper and it is sad that I have now opened up three CFPB complaints to try and resolve simple issues that Mr Cooper 's support process seems unable or is unwilling to resolve. These have not been weird esoteric issues, so it is surprising that an organization has such issues in processing the seemingly simple requirements of being a mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
Unlawful reporting without my consent and goes against my privacy per 15 USC 1681 ( b ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have notified Experian numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated Experian on this account. It needs to be removed from my credit profile. 

XXXX Account Number : 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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report and notice several fraudulent accounts. I have provided a copy of my ID.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX XXXX  XXXX {$93.00} XXXX XXXX XXXX {$220.00} XXXX XXXX  XXXX {$280.00} XXXX XXXX {$8500.00}

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 2020-03-18
Company: ONEMAIN FINANCE CORPORATION
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Too many phone calls, never leave message. ( 6 calls on XX/XX/20 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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:
Hard inquiry from XXXX XXXX that happened without my consent, and to a large extent. XX/XX/2022 XXXX unrecognized hard pulls. 
CAPITAL ONE AUTO FINANCE 2 hard inquires I was no aware of. 
XXXX 3 unrecognized hard pulls. 
XXXX XXXX XXXX Hard inquiry reported on my credit profile without my approval. 
XXXX XXXX- unapproved hard inquiry reported on my account XXXX XXXX XXXX XXXX XXXX unapproved hard inquiry on my account XXXX XXXX XXXX hard inquiry on my profile without my consent

Company response to consumer: Closed with explanation