BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom it may Concern: I have submitted numerous complaints to this agency regarding the awful practices of Chase Home Financial - a company that is refusing to accurately report my 2011 Short Sale as a Short sale and instead continue to report to the credit bureaus that my loan was paid after Foreclosure Started.  My account was "referred" to Chase's foreclosure department within the same month that the sale closed as a Short Sale.  Months before - Chase had already agreed to the Short Sale and the sale was in process per Chase's agreement.  Per the FTC's website - a short sale and a foreclosure are not to be treated the same.  My loan closed as a short sale, the bank never had or took possess of my home and there was never a XXXX.  So why is Chase allowed to continue to report my Short Sale to all XXXX credit bureaus in a manner that causes them to threat the short sale as a foreclosure for reporting purposes, keeping it on my credit for 7 years and thereby damaging my entire credit rating and holding me hostage from a financial perspective?  I have been reporting this to the CFPB for a year and you've done nothing to to enforce your own mandates regarding Short sales that are stated on the FTC website.  I've also spoken to an attorney about taking action against Chase.  My attorney advised me that a case would be a losing proposition given that the CFPB has not demanded or published any regulations requiring the banks and the credit bureaus to properly treat short sales as short sales versus a foreclosure.  So why then do you have the information on the FTC website at all if consumers can not rely on it and the banks and credit bureaus are not Required to adhere to it?  I negotiated a short sale with Chase and the transaction closed in a short sale - I've submitted volumes of documents to your agency evidencing that and Chase does not disagree that the sale closed as a short sale.  However, despite the fact that Chase agreed to a short sale they still referred my property to foreclosure the same month that the sale was closing and now have been allowed to damage my credit by erroneously reporting a short sale as a foreclosure and the credit bureaus are treating it as such.  Until the CFPB requires the credit bureaus and the banks to follow the standard articulated by the FTC and distinguish between the XXXX, consumers like myself will continue to be held hostage by the banks and unfairly punished for something that did not happen.  The CFPB needs to address its lack of enforcement in this area or stop taking mortgage complaints regarding short sale reporting - this is worse than the banks to have clearly articulated mandates for the banks and credit bureaus to follow and then not enforcing them at the consumers expense - so annoyed and disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and XXXX XXXX had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Stellar Recovery, Inc.
State: TN
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:
I canceled internet service with XXXX in XXXX of 2015 after a XXXX months of successive incorrect billing for service that even their customer retention department admitted was incorrectly billed too high and made adjustments to my account. Successive bills still had the improper billed amount so I canceled service. 

I received another bill from XXXX and was advised that I would get a final bill that would show any remaining balance or credit. 

I received a phone call from a debt collector on XXXX/XXXX/2015 regarding a past due amount to XXXX for {$45.00}. I disputed the charge and immediately went to my local XXXX office. The CSR girl said " No, you have a credit balance '' and was unable to print anything official, but did hand me a print out of her computer screen that shows a credit balance of {$110.00}. 

I then received a bill from XXXX also dated XXXX/XXXX/2015 that shows a completely different amount of NEGATIVE XXXX and " NO PAYMENT DUE ''. 

I then received a bill from Stellar Recovery XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NC XXXX XXXX dated XXXX/XXXX/2015 for {$45.00}. 

After several calls to XXXX I got several promises for calls back to take care of the issue. I have almost an hour 's worth of audio recordings of these calls and never received a call back. 

Stellar Recovery states that they can not do anything and XXXX states that because it has been turned over to collections THEY ca n't do anything. I 'm stuck in the middle with nearly a XXXX point hit to my credit report and neither company will acknowledge my issue or assist in rectifying the situation. 

As of my conversations with XXXX today ( XXXX/XXXX/2015 ) their customer retention specialist " XXXX '' acknowledged that there was a balance I owed of {$5.00} BUT XXXX owes ME {$40.00}! 

Again, this is on my credit report, XXXX owes ME money, and no one is willing to correct the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: WELLS FARGO & COMPANY
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complain is for Wells Fargo and for several reasons they have a lot of law suit in past years. And apparently I am one of the victims of their fraud. I tried to fix issues with the banking people but was not able to their promise to take care of things and provide me the compensation but on some cases they have not been taking care of issues and instead just have said that we cant do anything. 
Clearly that have done something wrong but they dont want to accept it. Hopefully someone read this complaint and file another lawsuit to make them understand what they did wrong.

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 2016-10-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A Public Record information is reporting on my personal credit profile and I am challenging it as inaccurate in its filing. The Federal Bankruptcy Court has concluded the action as dismissed. By definition, the term " Dismissed '' means that it is adjudicated by the law. The filing concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for XXXX years. The Bankruptcy Court has confirmed that they did not " verify '' information to the credit agencies as they are stating. By Consumer Law I have the RIGHT to have information of who has verified this as a derogatory. This discrepancy has prevented me in my personal life 's pursuit. I want the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
chase bank has continued to send me letters, stating XXXX that I do not owe, it has been sent to a collection agency, I have been told that I will not be able to have any other bank available to me. unless this debt is taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Soon after finishing college, I started paying on my student loans. My payment was much, but it was what I could afford. Years later, I find out that payment was only being applied to a small portion of my student loans since some are commercial and some are federal. I had no idea my loans had been split up. Last year, I discovered the issue and enrolled in the Loan Rehabilitation program. I was told many misleading things. First was that the fees and interest I occurred would be forgiven at the end of the program. Second, I was told I would be called at the end of the program to re-evaluate my payments as they were transferred out of the program. That did n't happen. I received no notification and we n't into default. Also, no penalties or fees were waived for completing the program. The entire student loan process has been filled with out-right deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a personal line of credit through  XXXX   XXXX   XXXX   XXXX  last week. Although I have had  XXXX  loans with  XXXX   XXXX  and only ha d 1 lat e payment, I was turn down for the loan.  XXXX , the loan officer, at the  XXXX  location explained that I had a " really low credit score ''. She also explained that they pulled reports from  XXXX  and Equifax. When I asked her what my score was, she said my Equifax score was a  XXXX . She said they relied more on Equifax because it was the most reliable. I was surprised as I had just pulled my credit reports the day before and my Equifax score was a  XXXX .   Today, I received a letter from  XXXX   XXXX  explaining why my loan application was turned down. It states that the decision was based on my credit scores from Equifax and  XXXX . It also states that my Equifax credit score is a  XXXX  ( please see attached ).   I called  XXXX   XXXX   XXXX  # to ask the loan dept. why was I told my Equifax credit score was a  XXXX  when their loan dept. letter to me states I have a  XXXX . When I spoke with the loan officer on the  XXXX  # she verified that it was my Equifax score and NOT my  XXXX  score that was showing a  XXXX .   I am very bothered and suspicious that I was turn down for a loan based on erroneous information. I want to know where  XXXX   XXXX  received the information that my score for Equifax is a  XXXX ? I want to know how many scores do I have with Equifax that i am getting different scores. We are talking about a  XXXX  point difference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I order furniture for an entire house being constructed in XXXX. Over XXXX in furniture. I have only received a 3rd of the order and it us XXXX. I've taken off work 3 different times only to get no items or 1 item at a time. The customer service people lie about dates and changes. I have since did a warranty on a mattress and ordered a box spring in XXXX. No update on that order. Half of the things they brought from the XXXX ordered is damaged and has to be resent. It all looks refurbished. No one can give answers on dates but they say all of the furniture is in. Out of 3 orders and a pretty good XXXX on furniture they don't care. I really want them to pick it all up and I'll shop elsewhere and make sure everyone I know hears about this experience. The interest only is misleading to consumers if it takes a year to get the furniture. Bad practices. This is my last order with the company I've furnished an entire house before with them and sent countless referrals. If they tell ppl 0 % interest for a year.. and you wait 8 months for furniture you didn't technically have a year with no interest because you didn't have the furniture that's misleading sales practices.

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 2016-12-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To whom it may concern, I have transferred {$100.00} to my friend using Chase quickpay on XX/XX/2016, even I got the transaction number XXXX, but my friend did not received it. So I called the bank to help me find out where is my money and asked the representative to show me proof that the money was sent to XXXX XXXX XXXX. However, I was not given any evidence to show that the money was sent to XXXX XXXX XXXX until today, I am still missing {$100.00} in my account. And a representative of XXXX XXXX XXXX asked me to prove the money was sent to XXXX XXXX XXXX. Otherwise they can not help me find where the money went. 
Thank you very much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Kikoff Inc.
State: TX
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 called to dispute a transaction that occuree on XXXXXXXX  for XXXX they said they dont see it but also cant tell me where all my money went in my back account i tried to call 10 times and they always blow me off telling me no sup is available and to email them instead. I want my money back for something i did not authorize. I asked for a sup multiple times and they tell me no sups are available to call back on XXXX  but they still have my money and cant tell me where it went. I want my money back yesterday

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I have not received an answer, and at this point I just feel they are not going to cooperate with me, he Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to a modification of my mortgage with chase. this loan was finance by XXXX and services by first washington Mutual and was moved to chase went washington mutual went under. 
Its has been a night with chase since taking over the servicing of my loan. i felt behind due to illness and my job moving oversea and have been try to modified this loan for the past four year with chase. 
First the gave me a balloon payment option with was accepted after i was pressured by chase with treat of foreclosure. 
I have being in this residence in the past 17 years, and for the past four years have been making successful trier payment and without a modification at the end of it. 
Chase is attempting to modified my loan at a 3.5 % for 40 years with a payment of {$1700.00} above all other payment ever made for this property after 17 years. How just is this modification. I need help reviewing this documentations and the right decision made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
United Wholesale Mortgage ( UWM ) refuses to give me documentation on a refinance loan that was done around XX/XX/2012. After my divorce ( with the divorce decree specifically stating that my ex retains the homes and all financial encumberances ), and the quit claim deed, UWM still refuses to take me off the loan. 
I understand that my ex-husband is in contempt of court by not assuming the loan or refinancing. 
That said, UWM modified the loan without my knowledge or consent ( taking my income into account, I 'm told ), which is FRAUD. They also refuse to give me any documentation on a loan that I 'm still responsible for! I have a legal right to this information. I do n't care if they do n't like me or think that I 'm the one to blame for the missed payments ( P.S. I 'm not. I transferred money into my ex-husband 's account each month for the mortgage until I left. I paid for all of it. Now that I 'm not around, it does n't surprise me that he 's having trouble. ) Anyhow, I have a RIGHT to this information. I am XXXX % co-borrower on this loan. I have a right to all documentation regarding the loan. I also have a right to know about any changes ( like modifications ). All I asked is that they remove the notations about foreclosure from my credit ( XXXX, XXXX, XXXX ), and I would n't pursue charges. But it looks like that 's not going to happen now. 

What they 're doing is illegal. The fact that they wo n't communicate with me about a loan which I 'm XXXX % responsible for is illegal. Doing a modification without my consent or knowledge, is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC has not paid my city taxes even though they have been collecting the money and have it in my escrow account. I've attempted to get them to rectify this for weeks. My first message to them through their online customer service notifying them of the error was on XX/XX/XXXX. They gave me a number to call and the number only gave an address to write a letter to. On XX/XX/XXXX I wrote a notice of error letter and mailed to them which they have not responded to. I've since sent 3 more messages and talked to someone that was supposed to take care of it. The final due date is XX/XX/XXXX, tomorrow and after a month of trying to get them to pay the taxes and accruing late fees they owe nothing has been done. Reaching them by phone is nearly impossible since the automated phone tree for taxes ends with an address to respond in writing with no option for a representative. The online contact us only responds with they can't help and I have to call the number.

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: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX afternoon I called Quicken loan for property taxes to pay. XXXX XXXX said I can pay mortgage any time. XX/XX/XXXX XXXX XXXX  I paid quicken loans thru mobile app XXXX XXXX. XX/XX/XXXX quicken loans stolen XXXX. I asked fifth third, fifth third said XXXX taken. I filed dispute fifth third. I called Quicken loans, XXXX said yes we have XXXX paid thru XX/XX/XXXX. I told XXXX mobile app quicken defeated. Woman quicken asked me did you get text? I told woman internet problem. I told woman ask fifth third about their business. I hung up called back I told woman XXXX stolen give money back. XX/XX/XXXX quicken loans tira middle asked me do you have bank statement? I told middle please give back XXXX. I told middle we can call fifth third the rep can verify XXXX paid XX/XX/XXXX. XXXX  did three way phone. Fifth third refuse to verify. XXXX myself called back. XXXX XXXX  refused to verify. XXXX told me Quicken didn't get XX/XX/XXXX payment. We need to set up XXXX. Quicken loans email XX/XX/XXXX said payment XXXX received. XX/XX/XXXX XXXX. Payment scheduled. I called fifth third XX/XX/XXXX acct deposit XXXX dispute approval. XXXX quicken loans deposit. I called Quicken told rep I need to give back extra money not mine. XXXX said XX/XX/XXXX. XX/XX/XXXX XXXX called me I asked XXXX how to send back XXXX? XXXX refused. I called back XXXX gave me payment center address in XXXX illinois. XX/XX/XXXX fifth third said quicken tried to take XXXX. I told fifth third no quicken loans employees scam. I filed ftc complaint quicken. XX/XX/XXXX XXXX quicken loan asked me again for XXXX. Thru email from quicken I never got response on giving back XXXX also I need to give my new acct information for mortgage payment

Company response to consumer: Closed with explanation