BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This letter is in regards to filing a complaint against Chase Bank. I have a Mortgage with them. They took my loan over from Wamu Bank in XX/XX/XXXX but per my creit report is says Chase has it since XX/XX/XXXX Since the change of banks there are several problems with this bank, Listed below are my complaints,1, They are miss applying my payments, See examples attached. I am paying extra escrow and they are not applying. it along with some payments Have sent receipt showing how much they show receivng but is not the amount applied. Want these funds back and the payments not applied to be applied2.When I started my loan with Wamu my loan was XXXX XXXX 5 years later it was XXXX XXXX. No one wants to explain this to me. 

3. Have paid extra funds towards my escrow, but it is not applied to any accounts please see examples. also dose not show the over paymentsSuspense AccountsAs the name suggests, a suspense account is an account set up by a mortgage servicer to hold a borrower 's funds in a suspended state until it decides how to allocate them. Suspense accounts are used primarily when the borrower XXXX a partial or incomplete payment, though it can also be utilized if you overpay as well. 

4.Shows many payments in suspense do not understand where these payments are going they are not and were n't short paid at any time. 
Misapplication of Payments or Inaccurate AccountingOne of the duties of a mortgage servicer is to collect and process payments from the borrower. However, in some cases, a mortgage servicer may : improperly apply funds ( in violation of the terms in the mortgage contract ) ignore a grace period, and/or fail to credit funds to the accountBank in question Wamu and chase Please look at all information attachedXXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXXLoan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have just discovered that I am a victim of identity theft / fraud. I have been trying to request a free copy of my credit report from Experian through annualcreditreport.com. After inputting my info on the first screen, then selecting Experian on the 2nd screen and submitting it, my browser advanced to https : //www.experian.com/ncaconline/acr, but it then sat there for over 45 minutes, with nothing loading on the screen. I exited, then re-started the process from scratch, and the same thing happened. ( I am using the latest version of XXXX, as my browser, which is compatible per the web site. ) The annualcreditreport web site says to contact the credit agency directly regarding any problems/issues -- and I could not find any " troubleshooting '' info available on annualcreditreport either. So, I went to Experian 's own web site, looking for some kind of an on-line chat function, consumer XXXX number, or a consumer troubleshooting section -- but could find nothing. I am concerned that Experian is perhaps throttling requests that come through annualcredit reports.com or something -- as a means for consumers to get frustrated and simply pay for a report instead through their private web site --? I need to get my credit report asap, as my bank account has been raided, my credit cards have been used fraudulantly, and I am aware of credit cards being opened fraudulantly in my name. However, I am not able to get such from Experian!!!

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 2021-09-28
Company: Reliant Capital Solutions, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received a voicemail from a debt collector, and then the next day I received and e-mail from the same debt collector for the same debt. 

Now it is my understanding that they are allowed to try to communicate in these manners to collect a debt. That's all fine and dandy, however the e-mail failed to provide a link to opt out of receiving e-mail notification. The link they provided was written up as below : Update your communication preferences by visiting http : //www.reliantcapitalsolutions.com/consent/ Upon Visiting the link provided I noticed wording that almost seems to appear, that by filling out certain information on that page you are " CONSENTING '' to them contacting you by those means, rather than opting out of the methods of contact. This said, those items are also required fields. Example is the wording for e-mail : " By providing your email address you consent to Reliant Capital Solutions , LLC contacting you at that address regarding any accounts for you placed with Reliant for collection. You understand and agree the email communications will contain account specific information. You have the ability to withdraw consent or opt-out of those emails at any time. '' There is no clear way in the e-mail I received to opt out of e-mail notifications. 

Secondly, I would assume that even with these new rules that allow them to contact you by other means, that certain privacy rules that have existed for the past 40+ years would still apply. No attempt was made by them to verify whether or not I am the sole user of this e-mail account before attempting to contact me of this debt. I have a XXXX XXXX XXXX mother, that I often allow to use my e-mail address because it is easier for me to help weed out some of the potential scams out there that prey on the elderly 's lack of knowledge for technology. While she does have her own account, it is only given out for select business purposes such as job searching, banking, etc. These rules that have recently changed, obviously did not give foresight to the fact that many consumers my age may share an e-mail account with an elderly parent or a child.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a review of my credit reports with TransUnion, XXXX, and XXXX, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXX containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received TWO letters from XXXX postmarked XX/XX/21 stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/21. This letter was delivered on XX/XX/21. I have yet to hear from XXXX concerning the account, and a dispute filed with TransUnion on XX/XX/21, completed on XX/XX/21 came back as " verified as accurate ''.

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 2021-09-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to 15 USC 1602, 15 USC 1635, 15 USC 1692, 12 USC 1431, 42 USC 408, I am the rightful owner of 2-Family Property. I acquired the property by deed. On XX/XX/2014, JPMORGAN CHASE BANK NATIONAL ASSOCIATION and XXXX XXXX XXXX  XXXX used my credit to establish an unlawful debt. And since then, has listed the property as a 1-Family, acquired my credit profile and furnished my credit information to several banks and servicing companies without my authorization or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citigroup makes it easy to open an account online but does not allow closing in the same fashion. Instead I waited several minutes on hold to be told that I needed to call back 3 days after the last transaction occurred. 

Why do I have to wait to call back when their system should be able to handle the deferred close if that is what is needed. Moreover, why can I not close an account online when I am able to open one?

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 2015-08-02
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
OCWEN CAUSED OUR FORECLOSURE TODAY, BY FAILING TO PROCESS THE XXXX MODIFICATION WITH XXXX BANK IN XXXX NO. XXXX. WE DIS N'T GET ANY CLAIM FORMS FOR THE OCWEN NATIONAL SERVICING SETTLEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: Westlake Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vechile with XXXX XXXX XXXX in XXXX, Texas. At the time of purchase I didnt have a Social Security number however I was able to finance the vechile using my ITIN number which is a tax processing number issued by the Internal Revenue Service. ITINs are for federal tax reporting only, and are not intended to serve any other purpose. IRS issues ITINs to help individuals comply with the U.S. tax laws, and to provide a means to efficiently process and account for tax returns and payments for those not eligible for Social Security Numbers. 
That being said, 3 months later I received my Social Security number through the mail, and have rescind my ITIN number, I contacted my financial company that i used to finance the vechile Westlake Financial, I sent them copies of my Texas Drivers License and a copy of my Social Security card and they refuse to update my account discriminating against me because its not a normal Social Security Card? I am leagally authorize to work in the USA and I feel descriminated against, and would greatly appreciate if higher authority can step in and have Westlake Financial update my account with the right Social Security Number so I can obtain credit for my on-time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my mortgage loan XX/XX/XXXX and refinanced XX/XX/XXXX. The mortgage showed on my credit report until then but dropped off after the refi and I was n't told this was going to happen. I 've had over 4 years of on time payment history that is n't reflecting and I would like it back on my report. I called Chase who told me to call the XXXX reporting agencies. I called and they 're all telling me they can only report what 's given to them and if Chase does n't provide the info, then they can not report. Do I have any options at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This. company Paragon Revenue Group appears on my credit report for {$150.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29
Company: Action Collection Agencies, Inc.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I originally made an appointment at a place called XXXX XXXX XXXX at the end of XX/XX/XXXX. When I went to arrive to the appointment there was no such place in existence, and when I called they had claimed they have moved. This was my FIRST appointment, and I have NEVER SEEN ANYONE AT THE PRACTICE- so NOBODY TOLD ME THEY HAD MOVED. I told them I'm not paying for an appointment when you guys moved and never told me. They claim I owe them {$100.00}, but NO ONE MISSED APPOINTMENT HAS EVER BEEN {$100.00}. 

IT says I owe XXXX XXXX but I never attended one appointment and cancelled that appointment immediately. The secretary told me in XX/XX/XXXX she would handle it and it would be all set,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I filed a complaint against this company before, the company responded only to fix one of my concerns. 
I can not pay my mortgage at a branch or online without paying a fee which is stealing money from me. 
The company keeps saying false statements in their letter. I have proof that payments were returned which screwed up the payment process and my payment history. I was threatened with foreclosure even though my payments were current. They were told by their own attorneys that it could not happen. 
I have not been treated with respect as a customer.

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 2020-04-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
all three bureaus have incorrect posting of inquiries and they should be updated and removed to be current count.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX to have them deleted with negative results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: MOHELA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MOHELA is a third party debt collector who has been reporting false information to consumer credit reporting without my consent. 
I have tried to resolve this issue for a long time. They have disregarded ALL laws.

Per 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights and the alleged debt was paid in full with my Master Promissory Note. My promissory note is a negotiable instrument. Please see attached a copy of my promissory note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Health Insurance paid what they would pay for same service if doctor on network was usedI am filing a complaint because of the disrespectful attitude by XXXX who is an employee of Senex Services when I called to find out why their name came up on my credit file for an amount of {$120.00}. She asked me to spell my names which I did. When I asked of her name, she was hesitant and rude about it but later told me she was XXXX. However, she refused to tell me her last name. She was only interested in my making payment immediately for a debt that is suppose to go to XXXX ( my health insurance provider ). She was so rude that I was wondering if she was forced to be at work today. I wish she could play the tape to you as she claimed it was being taped. 
My health insurance has already made payment that they pay doctors on their network who render the same services. XXXX XXXX XXXX was given my health insurance card and if they decide to use a doctor out of network, then it is their fault. I should not be responsible for their negligence. 
The fact that SENEX has access to my credit file is not enough to hire employees that have no respect. They can not just go to someone 's file and begin to put lien to people credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card
Issue: Billing statement

Complaint:
I purchased a vaccum from target in XXXX ct.I payed cash for it. They lady took the money then asked if I would like a credit card. I filled out the paper work she said it would come in XXXX eight weeks XXXX ; the card came. I di not actvate it for another two weeks. I never used the card. They sent me a bill for XXXX dollars. I payed then I cancelled the card. they said as of now you no longer have this card. Now I get an emai saying I owe another XXXX dollars. I called saying how can I owe you when I no longer have this card. They said if you do not pay this bill we will turn you into the credit beaue. I am trying to get a mortgage for a home. the guy looked up my credit report and said Target says you owe them money. XXXX XXXX and something.. I told him I do not have that card any more. he said you better contact someone this is fraud ( has some one used that card. I calle them and got into a heated argument saying I payed cash and the lady put the money in the till. She said you were issued a temp card ( this is XXXX ) They can put anything into their computers. They get into people accounts taking out money without that person knowing it until it is to late which ruines their credit also. What can I do should I get a lawyer and sue? Target has done this time and time again nothing being done about it XXXX XXXX XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have send XXXX different disputes to Experian Credit Bureau about inaccurate information on my credit report. I sent the disputes certified mail w/ return receipts. I included XXXX forms of ID with my current home address. Each time, Experian sent me a response letter that said they would n't honor the disputes, because the request was suspicions, then they would say that I did n't send ID documents, which I did send. Then I got another suspicious request response. When I called Experian on XXXX/XXXX/2015 I was told that a manager would call me back within XXXX hours to discuss this matter. I have not received a call back. They have seriously violated the Fair Credit Reporting Act and made it so I might not get the promotion at my job. 
The accounts reporting are XXXX, when I call XXXX, they tell me that they already sent requests to Experian to delete the information from my credit report. But Experian claims they do n't see the request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Back in XXXX I submitted my complain to the company and they still are half doing their jobs. XX/XX/XXXX I submitted a FTC and a CFPB to the company about fraudulent activity on my account. I wanted inquires removed off of my credit file that did not belong to me. Luckily there were no account opened, but inquires did appear on my credit report. In the first CFPB the company removed some, but not all of the inquires. To only half complete my claim is unfair and unlawful to me. Please rereview this information and correct the missing information or provided the results of the first investigation stating that these inquires should remain on my credit file. 

I have resubmitted the documents with highlighted the missing inquires that they failed to remove. As well I will list them here : 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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 Notification of results must be provided and it is extremally unlawful to not provide the results of your investigation. Hopefully this time we will not have to have the same results. 

Attached are the original documents provided with the first CFPB and the original FTC. Along with the results of the first CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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:
I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT MINE. I HAVE CONTACTED THE XXXX CREDIT BUREAUS AND THE ACCOUNTS ARE NOT REMOVED.

Company response to consumer: Closed with explanation