BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-13
Company: Butte County Credit Bureau
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Butte County Credit Bureau is reporting a debt from XXXX on my credit report. I have disputed this debt 3 times, yet they claim to verify it with XXXX. When i talk to the collection agency, XXXX XXXX claims this company is out of business and has noa ccess to any contracts, but has my name saying i owe money. After dealing with him for two weeks he stated we are at a stalemate, and will continue to report this debt that does not belong to me. I have asked him if he has a contract or my signature which he states he does not. But he states all he needs is my name. It is outrageous this agency can get away with ruining a persons credit with out verifying the debt what so ever. Logic tells me any sort of contract would have a signature which this agency will not furnish. They claim it is due to the company being out of business. I then asked if i was to pay you money today, who would actually get this money? He stated he was not sure. This needs to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father passed away XX/XX/2016 and ALL of his effects, computers, everything was taken by a family from over XXXX yrs ago, he was paying the mortgage. They contacted Ditech and had all documents pertaining to my house and mortgage mailed to them, which means we had no way of contacting them ; no knowledge of even how to pay or who the loan provider was. We happened to find a paper in the house with Ditech on it and it turned out to be our loan provider. DItech our mortgage provider, we were snapped at and said that we ARE NOT the contact and they hung up on us. WE LIVE in the home and my mom owns half the house. But we had to wait until the court-appointed to discuss with them. That happened on XX/XX/2016. Almost XXXX months after he died, interest is still accruing, no payments made on the house yet. Then I contacted Ditech. I sent in all needed documentation. I spoke with a XXXX 
Ditech/XXXX then tells me my home is dangerously close to foreclosure, meanwhile, WE HAVE GOTTEN NOTHING WRITTEN BY THEM. I asked for an email, and they said they do not email anyone outside of DItech. I told them they had been dealing with some other person without any proof from the courts and that was irresponsible and reckless and now we are near defaulting on the loan. They are asking for XXXX paid at XXXX TIME!! This is unreasonable. We have nothing in writing ever sent to our house about anything regarding payments or the status of the house. 
I was feeling overwhelmed with this, so I asked a family friend to speak to them on my behalf and they asked for a written authorization, signed by me, allowing him to discuss terms of the estate. I have done everything they have asked ; all documentation sent. NOW, they are just dodging our phones calls, no responses, I email, I call, I leave messages, our family friend is doing the same, they are not responding. INTEREST is accruing and we want to figure this out. WE ARE NOT TRYING TO REACH FORECLOSURE. We just want to figure this out because Ditech allowed our information to be given to this other family prior to the court-appointed XXXX being authorized. If we had known or were allowed to speak with someone instead of being hung up on we could have made arrangements months ago. It should be illegal to just allow anyone to talk and change an address on someone else 's mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
got a letter saying that I would revive my unemployment card in 10 business days and it has been 3 weeks already

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 2015-10-15
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX item be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15
Company: Global Credit & Collection Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I receive a call from Global Credit And Collection Corp XXXX/XXXX/16. The representative was name XXXX and supervisor was XXXX. Both were abusive and hostile and threatening. This was the first call I received and have no clue as to why I am being contacted. They were both shouting and talking over my questions. I asked to not be called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Green Tree Servicing LLC on XXXX XXXX, 2015 to get clarification on how PMI could be removed from my home loan. The Representative I spoke with gave me inacurate information which lead me to request an appraisal in order to remove the PMI. At the end of XXXX I received my appraisal with a letter declining the removal of my PMI. The letter completely contradicted the information given to me on XXXX XXXX. I immediately contacted Green Tree to explain the situation and request the removal of the {$420.00} appraisal fee. Since then Green Tree has admitted ( in writing ) that they gave me the wrong information but has refused to waive the appraisal fee. In addition, I received the worst customer service possible. Calls were never returned, questions went unanswered, etc. Attached is a letter that more thoroughly breaks down the details of this issue. Also attached is the denial letter from Green Tree Servicing LLC that makes absolutely no sense.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15
Company: Innovis
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I would like this charge removed from my credit reports because it has been changed over from XXXX XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies : XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies ; XXXX, XXXX, XXXX and Innovis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had my loan with GreenTree mortgage and I was went through XXXX trying to get a modification on my loan. I was threatened that they would take my home. I was talked to and humiliated. I finally received a loan modification. I lost my my home on XXXX XXXX, 2015 it was sold on XXXX XXXX Steps at the courthouse. I received no warning and I did not have time save my home after owning it for 23 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The credit bureaus are reporting false information on my credit reports. They are reporting late payment and charge-off accounts that do NOT belong to me. 

LATE PAYMENTS : 1 ) XXXX # XXXX 2 ) XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX CHARGE-OFF ACCOUNTS 1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Chase Home Finance Foreclosed on a mortgage which had been rescinded. The XXXX descision of the US XXXX court and the TILA indicate that:1. Chase and it 's Foreclosing Law Firm, XXXX Wisconsin did perform a wrongful foreclosure, eviction from my family 's homestead. 
2. Chase Home Finance did not provide a " satisfaction of Lein ''. 
3. Chase Home Finance did not return payments and fees as required by TILA regulation z. 
4. The XXXX XXXX courts, being familiar with the Rescission document proceeded to railroad the foreclosure with a replacement " sniper judge '' who also said she had reviewed the documents in the case, proceeded to deny me access to the court by warning me to not object. 
5. Chase Home Finance and the XXXX XXXX Sheriff sold the home over my recorded telephonic objections in the telephonic presence of a notary public wherein I specified a fee for wrongful sale of the property. That fee has not been paid as is required by my " terms of wrongful sale '' of the property. 
6. Chase Home Finance did not counter sue to void the rescission. 
7. Chase Home Finance did not return the canceled note as required by TILA regulation z. 
In summary Chase Home Finance is in violation of TILA Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CHASE has had several attorneys contact me looking for resolution to their mtg errors in response to XXXX different CFPB complaints. They have continually closed your complaints starting process with me only to stop resolution XXXX in what appears to be deliberate delay in resolving their accounting errors on my former mtg with them. XXXX I have been told CHASE needs more time to investigate and now it is over 1.5 yrs LATER! I ask how much time should it take a major corporation to have their documents in order??!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX  ( childrens ' clothing store ) had an online promotion advertising 25 % off your order if you applied for a credit card. On XXXX I completed the application, including my social security number, and was told that I would receive an email within 7-10 days. I did not hear from them. On XXXX I was told by my employer that she received and application for Ohio unemployment benefits. I did not file for unemployment and I then completed forms notifying Ohio Dept of Jobs that my identity was stolen. Thinking back, I thought by me entering my social security number online during the application process, this may have opened me up to identity theft. I contacted XXXX and was told that their credit application process is handled by XXXXXXXX XXXX. On XX/XX/21 I called XXXXXXXX XXXX and was told that they did not have my application and that this frequently happens during online credit card applications for XXXX. Why would a company as large as XXXX use a service that is not secure? That is my complaint-an insecure online credit card application process that resulted in my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2020 I had my mortgage company complete a hard pull to get me approved for a house. All my reports except Equifax came back with my score and information. My lender said I can not get approved until my Equifax report is unlocked. I called Equifax that same day and spoke with two agents who told me that my report has no lock, freeze or fraud alert in place that would prevent my report from being pulled. I explained that is not possible because the message the lender is getting is " Report not available ''. Due to this issue, I can not get approved for a mortgage. The lender says I have a score and report and I can see this myself when I log on to myEquifax website but the report won't be released to the lender. I am asking for this to be corrected permanently so I can use my credit as normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 wrote dispute letters several times for experian to remove accounts inquiries addresses and job and they always respond 30 days saying verified when E Oscar and these alleged creditor are not factual proof of verification I have wrote laws that's they are supposed to abide by but for some reason they don't mind breaking the law for instants I the consumer has the right to privacy so why is experian reporting my information without my permission which is also identity theft and all my consumer credit transaction should be private but your company illegally reports it cause alleged creditor pays them to report information to help undermine uninformed consumers 15 u.s.c 1681 state 's how what's this company should report and not report which they do willfully and knowingly which has cause me a financial ingury

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: JPMORGAN CHASE & CO.
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out a private student loan from Chase during my sophomore year of college in XXXX. My father co-signed it. I was constantly in contact with them during the process of forbearance and delaying payments while i was in school. Once I graduated I was diligent about making my payments, on time every month, never late, sometimes more than the minimum amount. After about 2 years of making regular payments, i hit a rough spot in life, my boyfriend bought a house and we moved in together, about XXXX week after closing he was laid off from his well paying job. He was eligible for unemployment, but it barely covered his car and other bills, let alone a new mortgage payment. I had to take over the mortage payments, which left less money to pay other bills. I was able to defer another federal student loan that i had. I had called Chase several times during this time, explaining the situation, asking for any short term assistance I could get ( lowering payments, a few months of deferment, etc ) I was open to any options I could get to help me for just a short time ( less than a year ). They advised that unless this was going to be a long term issue, and I needed to be the XXXX to have the unemployment they were unable to help. So at the time i made the decision to stop paying. I was a loyal customer, my boyfriends mortgage was with them, I felt that they were not doing anything to help someone who would have gladly paid back her loan, had they assisted her for about 6 months. My father had cosigned the loan, he was unable to pay, he has a very seasonal job with high layoffs, has many bills to pay himself XXXX including parent plus loans for my education ), he was attempting at bankruptcy. After a couple months of letter stating that i was behind on my loan and it was going to collections, i never heard again from them, until fall of XXXX. I received a letter in the mail stating my loan was charged off. I thought nothing of it figuring a collection agency would contact me to set something up. Then After the first of the year XXXX I received a tax document from Chase stating that my loan was charged off and the dollar amount would be taxable. This was close to {$30000.00}!! that doubled my income ( i think i only made about $ XXXX that year ) which then doubled my tax 's due. I now owe close to $ XXXX in back taxes. I think this is absurd, I never got the chance to make any payments, or was ever contacted from a collection agency. They never contacted my co-signer for any information and he is not responsible for any of the amount charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is JH Portfolio Debt Equities.The original creditor is XXXX. I researched XXXX XXXX and every single review said they were a scam. Both XXXX XXXX and JH Portfolio say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from JH Portfolio ( current debt owner ) and they told me they have to get the proof first. I have called XXXX 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that JH Portfolio Debt Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. XXXX has no records of this account so where is JH Portfolio going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with XXXX only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and JH Portfolio has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to Credit Control LLC even though the account is being disputed. Credit Control 's phone number is ( XXXX ) XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor XXXX have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage.

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 2021-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates, LLC at XXXX. XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$430.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. I have asked Portfolio Recovery Associates for proof of the debt in the way of the original documentation showing my signature or that I agreed to this credit card debt. I have yet to receive a response verifying the information asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On numerous occasions US Bank Home Mortgage has informed me that once my payment has been processed ( future dated by Speedpay ), that it can not be changed, modified or deleted. If this is the case and the payment is future dated, suppose my bank account gets compromised and I do not have the funds available. I should be able to delete that payment according to XXXX. I have escalated this issue to a Supervisor who screamed at me and told me that she would not delete the payment and that it was not the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation