BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX   XXXX   filing this complaint to defend my property from  Bank of America wrongfully  invading my privacy my violating the  Gramm-Leach Bliley Act  for sharing my information to non-affiliate third party. I have unsuccessfully try to refinance because of unauthorized credit inquires and the unfair credit reporting on my credit file. I feel like B ank of America h as truly discriminate against for failure to offer me an affordable modification. Im reaching out to the  Consumer Finance Protection for me  to obtain equal justice a nd Due Proce ss. During my continuous research into my loan I have discovered that my loan was sold more than five-times over its life time. Without my knowledge which means many unknown person has unauthorized use of my information.  Bank of America  file for foreclosure on   XXXX   claiming I breach my contract for non-payment, when in fact they breached my contract when they sold my loan on  Wall Street wit hout my permission and allowed everyone to see my personal information. In  XXXX , I close an instrument with    XXXX   XXXX   XXXX  .  in   XXXX   my loan was assign over to  CountryWide Home  Loans. My hardship started around   XXXX   I started reaching out to  Countrywide Home Loans to make  arrangements on my loan. During this time, I had no idea What really happen to my loan until now therefore, I was unable to address these issues earlier.   I will be reaching out to other government agency in order to save my home from foreclosure

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 2017-04-25
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
contacted collection agency advised that I never had an account and the didnt do anything. also disputed with  XXXX  with no results. this account is not mine. asked for validation that I opened the account.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
AFTER HURRICANE IRMA, I REQUESTED FOR FORBEARANCE AND MAKING REGULAR PAYMENTS AFTER THAT ; BUT LENDER IS ASKING FULL 3 MONTHS PAYMENT TOGETHER ( ALTHOUGH, I ASKED THEM TO PUT IT IN THE REAR ), SENDING THREATENING LETTERS, SENDING THEIR EMPLOYEE TO PUT NOTICE ON MY DOOR AND ASKING TO MEET THEM FACE TO FACE ; BUT, WHEN I CALLED THEM, THEY SAID THAT NO NEED TO MEET FACE TO FACE! ALSO, SENDING FORECLOSURE LETTER ; ALSO, THEY BLOCK ME TO MAKE AUTOMATED PAYMENT AFTER THE 3RD PAYMENT AND CHARGING FEES TO TALK TO THEIR REPRESENTATIVE TO BE ON THE PHONE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Inquiry made on my report by XXXX XXXX XXXX XXXX XXXX Fl. 
This record was previously deleted. It was not authorized. No wet signature authorizing this inquiry was provided.

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 2021-05-11
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: Was not notified of investigation status or results

Complaint:
I have previous disputed un authorized inquiries and accounts that are not correct marked charge off and accounts that do not belong to 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 2019-08-25
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: Account information incorrect

Complaint:
I have an account with XXXX  XXXX ( XXXX credit card ). Payment is due on the XXXX of every month. This month I made a full payment of the account balance on XX/XX/2019. The payment posted on XX/XX/2019. However, the bank reported a balance of {$35.00} on my credit. I called customer service, I was advised to mail or fax my credit statement along with my credit report for correction. 

To my dismay, the bank has made another report on my credit, reporting another more higher balance on my account. These two reports are within the same month just days apart.This has affected my credit score drastically. 

I believe the bank has intentionally decided to hurt my credit because I initiated a dispute with 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 2017-04-25
Company: WELLS FARGO & COMPANY
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Filed Bankruptcy in  XXXX , include d Wells Fargo  Mortgage loan balance. I have been living in the house and paying on it since then.     Starting  XXXX / XXXX / XXXX ,  Wells Fargo has been  calling me trying to collect the debt, even after I informed them that this in illegal!     Today,  XXXX / XXXX / XXXX , someone named  XXXX  or  XXXX   ( he said it quickly ) called me on my cell. I immediately informed him that he was was not allowed to contact me about m y debt or at all via phone. He became angry and then threatened to sue me. He said, oh well, that 's okay, I 'll just contact our attorney.

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 2017-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One  continues to charge me excessive, non-contractual interest with every statement. I accepted a balance transfer offer from  Capital One. A fter doing so, I have different interest rate " tiers '' posted to my accou nt ( balance transfer rate plus regular purchases ). As part of the balance transfer offer, Capital One a ssured me in their online wizard when I accepted the offer, that I could continue to avoid interest on new purchase by making the " interest saver '' payment posted on the statement by the due date.   Every month, I make the " interest saver '' payment on my account by the due date. Every month,  Capital One char ges me interest on new purchases ( a small amount, less than $  XXXX , but not the zero amount that was advertised, and continues to be advertised, with the " interest saver '' payment posted on each and every statement. I am sick of calling  Capital One eac h and every month to remove these charges. Capital One gives me a long litany of BS when I call them as to why this occurs. Examples, The advertised "  Interest Saver '' payment is only APPROXIMATE. You can not break up your interest saver payment into MULTIPLE payments or on MULTIPLE days. You can not make your interest saver payment   BEFORE the due date, etc. In short, they just can not get it right. None of these peculiarities is of course communicated to the consumer, and even following their instructions exactly ( making o nly one payment of the " Interest Saver '' total, not multiple payments adding up to that total ), I continue to get charged non-contractual interest. Capital One is the top 5 issuer of credit cards, and balance transfer offers are an industry standard. Why can they not calculate the interest   correctly, as advertised to the consumer, and as per the balance transfer contractual terms and conditions??? This is unconscionable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: CA
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:
I was a victim of a fraudulent check scam. Scammers were paying for furniture I was selling and sent me fraud checks that had more money than the item of the furniture. I was selling a bed frame for {$100.00} and the scammers sent me a fraudulent check for {$1100.00}. The scammers had me pay movers the extra amount of money through XXXX This extra amount was {$970.00}. Since the checks are fraudulent, I was in fact just paying the money straight to the scammers since they had me convinced I was paying movers with their money. The scammers took advantage of the chase mobile app for depositing checks and clearly designed checks that would be able to be initially approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
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 DISCOVERED NUMEROUS ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I WASN'T THE ONE THAT OPENED THESE ACCOUNTS.

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 2020-11-03
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CrossCountry Mortage made a significant error that violates the 2020 CARES ACT by proactively reporting a missed/late payment to all the credit bureaus while my mortgage was in Forbearance. The many representatives I have spoken with have apologized for this mistake and no of them can understand how and why it happened, and why Cross Country Mortgage has not fixed the mistake. A work order for fixing and correcting this mistake was submitted in XX/XX/2020 ( now it's XX/XX/2020 ) and a representative just confirmed that the " work order was never worked on ... ''. Again I received another apology, yet my credit has dropped over 170+ points and this mistake has caused major financial damage to me and my family because it was never " worked '' on when it was brought to the attention of CrossCountry Mortgage. My credit for the past 15 years has been 820+. And now since XX/XX/2020, CrossCountry Mortgage a 2nd time reported a missed and late payment to my credit AGAIN. Long-standing lines of credit that I've had for 15+ years have been canceled as a direct result of CrossCountry 's mistake. New career and job opportunities have not resulted in hiring after the company pulled my horrible credit that is due as a direct result of CrossCountry Mortgage. They continue to apologize and continue to do nothing and as a result I lose job opportunities, long-standing credit lines get yanked away, I'm unable to get a business loan, there are going to be issues when I need to refinance. I'm at a loss and have never in 20 year of doing business been so disappointed in a financial institution as I am with CrossCountry Mortage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection opened XXXX XXXX Contacted CMRE Financial Services via phone, email, and sent letters, asking for validation of collection. 


I was not sent anything. 

They said they sent a medial bill. I was never seen at XXXX university XXXX as stated. 

I live XXXX hours away from XXXX, I do not go to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company Name - Credence @ XXXX XXXX XXXX XXXX for XXXX Credence Reference ID - XXXX I disconnected service from  XXXX on XX/XX/2019 and returned the equipment. Customer service told me to continue using service already disconnected since XXXX 's policy does not prorate bills. XXXX insist I should pay for a full billing cycle even I used service for about a week and I was not on a contract. 
I feel like I'm being defrauded by XXXX, I was never informed of the policy to cancel service at the end of the billing cycle or to obtain permission to switch providers when I had no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of 2016 I was offered an opportunity from Chase to try several products at no or little cost. I requested XXXX XXXX and XXXX XXXX. 
The address and phone number of these two companies is XXXX, FL XXXX XXXX I received one bottle each of these products for four months. I never used these products or opened the bottle. I was not aware that my credit card was charged for these items. 

In XXXX I called the companies and was able to get a refund for the two most  recent bottles shipped. However, the companies refused a refund for the preceding months, in spite of the fact that I offered to return the unopened bottles. 

In XXXX I called my Chase regarding this dispute. I am attaching a copy of the letter which fails to resolve my dispute satisfactorily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The first call from a company by the name of GLA Collection Agency ( XXXX ) was at XXXX on XX/XX/XXXX. There have been XXXX calls thereafter. The most recent being today ( XX/XX/XXXX ) at XXXX. They claim that I owe a debt ( which I believe was roughly {$600.00} ) to XXXX XXXX, to whom I did owe a small debt to but was paid several months prior to the calls. Based on the fact that they used a legitimate medical facility in reference to this alleged debt that I owe, it leads me to believe that they are hackers.

They never disclose who they are in the calls and it is always an automated system. I only know the business name that they go by because of a phone number search on XXXX. I have never answered in person because I do not want them to think that they have me hooked. The calls are a major nuisance and cause unnecessary worry that personal information has been illegally retrieved. I've seen on the website https : XXXX that they have been attempting to scam individuals since XXXX. Nothing has been done to shut them down though. I sincerely hope that this complaint will prompt an investigation. Perhaps they are legitimate, but if they are, they are not following legal protocol. Several people have asked them to stop calling them and have asked for paper evidence, which they are never supplied. They continue calling despite a request to stop even after proof that they do not owe any debts.

Please investigate this agency. I strongly believe them to be predators claiming to represent a collection agency that is fraudulent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My last payment to Chase credit card was XX/XX/XXXX and was scheduled to be removed from my credit file XX/XX/XXXX. 
In XX/XX/XXXX I requested my credit report from all XXXX credit bureaus and saw that Chase changed my payment history. It now shows that I was 60 days late by XX/XX/XXXX and then brought the account current for XX/XX/XXXX and XX/XX/XXXX and then went delinquent again in XXXX XXXX which extends the length of time this account remains on my reports. I have requested verification from all XXXX bureaus only to have the status verified and updated the removal date to XX/XX/XXXX. I sent a certified letter to Chase requesting proof of the XX/XX/XXXX and XX/XX/XXXX payments and they have not replied. These 2 payments are not true and were added by Chase to extend the length of time on my report. This account should corrected on my credit reports and be removed by XX/XX/XXXX not XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Contacted TransUnion for fraud alert and freeze. I'm in 20 data breaches and over 100 password compromised. XXXX  is another big data breach along with medical records through XXXX XXXX and more. Ive requested a freeze months ago. I was working with a company called XXXX XXXX My accounts got hacked, I just started getting notifications about new items being added to my credit. Tried to contact TransUnion, they forward me to the special team and all three times while waiting for them to answer they was only breathing on the phone. I have not received anything from XXXX  or XXXX  with a security code. At this point I'm not sure if TransUnion is accurate. I'm forwarding this to the FTC, FCC, the United States attorney general and the media. The number that I called for TransUnion is ( XXXX ) XXXX. My phone was hacked. Seems like my calls are being rerouted and monitored.

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 2017-04-25
Company: Collection Technology Incorporated
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For several years now I have been recieving collection calls and a collection letter looking for a "  XXXX   XXXX   XXXX  '' regarding his defaulted student loans. The first collection letter which was mailed to my home address was from the loan guarantor  XXXX   XXXX   XXXX . I did n't open the letter because it was n't addressed to me. I did call them, and told them of the mistake. Short time later I started to recieve collection calls from various companies like  XXXX   XXXX ,  XXXX   XXXX  and others looking for the above individual. I again contacted  XXXX   XXXX  and  US D epartment of Education as to why I was recieving calls. On   XXXX   XXXX  , I recieved a call on my cell phone from a company called  Collection Techology Inc l ooking to a  XXXX   XXXX   XXXX . I explained they had the wrong number and asked why they were calling on my cell phone. She told me it was the number on file and wanted to verify my DOB and SS number. I gave her my date of birth and she claimed it matched, and then proceeded to request the last  four  of my social. I refused and told her she needed to provide the last  four of what they had on file, which she did. She actually gave out the last four o f his social. Needless to say the conversion became extremely heated. I sent an email to their general counsel expressing my anger over recieving an auto dailed call to my cell phone and the violations of the FDCPA. A couple of weeks later, I recieved a response from a  XXXX   XXXX . The attached letter was full of errors. First they claim to be looking for me and not the other individual. I called the number back from another phone number and when I gave them my full name they stated they did not have such a file. I gave them the cell phone number they had called and they then confirmed they were in fact looking for a  XXXX   XXXX   XXXX . The letter implied the my cell phone number was supplied to them by the original creditor and they would correct the suppliers bad information. I again called both  XXXX   XXXX  an d US DoEd, and neither my cell phone nor landline are associated with the account. The let ter goes on the deny the use of an autodialed call and denies giving out the last  four of so cial violated the FDCPA. I sent another email back to both their general counsel and the original senders email and to date have heard nothing.

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