BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
Hello, I have been paying Chase on my Credit Card balance since the last Chase Statement " date XXXX '' the Balance was {$8000.00} Chase has mailed me letter stated " Update : We received your payment and will forward it to XXXX. XXXX XXXX purchased your account from us on XXXX/XXXX/XXXX ''. " XXXX has filed to the Court that I owe " XXXX '' Principal and interest since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, SUPERIOR COURT OF CALIFORNIA , COUNTY XXXX ( XXXX ) XXXX XXXX COURTHOUSE ORDER RE : CLAIM OF EXEMPTION The Judgment Debtor 's Claim of Exemption is GRANTED. That is my husband and I the join checking account at Chase Bank.On XXXX/XXXX/XXXX " XXXX, XXXX '' Faxed " NOTICE OF LEVY ( ENFORCEMENT OF JUDGMENT ) '' " WRIT OF EXECUTION '' to our join checking account at Chase Bank again. 
I do not owe any Credit Card balance to " XXXX, XXXX " XXXX, XXXX '' has no right to file the judgment on me. I had paid Chase Credit Card {$5.00}, XXXX ending XXXX, XXXX since the Chase Statement balance was {$8000.00} Chase has received my Chase Credit Card Account payment through my Bank Bill Pay to " XXXX. XXXX XXXX XXXX, Illinois ''. There is no current balance statement from Chase. It is not right for Chase to have cardholders pay card payments to other than Chase because Chase sold the account. I had used Chase Credit Card not XXXX therefore, I pay Chase Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: SYNCHRONY FINANCIAL
State: TN
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:
This happened during  XXXX  and  XXXX  time period. Synchrony bank needs to audit my acc ount ( s  ). Since they manage more than one company and there are people that have or have had accounts spanning more th an one  of their companies they need to do an audit on all accounts showing delinquent on my report. I just paid off something I 'm not sure I owe because my credit went from being excellent to extremely bad. You ca n't find anyone at Synchrony that can look at all of it. When you call they ask you which company do you have a card with. I went in circles with them on  my TJ Max  account over the last year and they were confusing two accounts. Applying money toward an account with a  XXXX  balance when I mailed in the payment for the correct account. I have tried speaking to the fraud department at Synchrony and I 've tried speaking to customer servic e for TJ Max  and  Steinmart, I 've  tried talking to my bank (   XXXX   ) to see if they can help but since it does n't involve them they have been wonderful at guiding me down this horrible path. I am moving from    XXXX   XXXX    to    XXXX   XXXX   as soon as  this gets straightened out and my credit fixed. The people working at this company are not competent enough nor do they care enough to correct this issue. I have always prided myself on having excellent credit and I had no idea this was going on behind the scenes until recently. Who can get this corrected and restore  my credit score an d have this incorrect information removed from my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Falls Collection Service Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$470.00} XXXX XXXX XXXX XXXX Fall 's Collection Services Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX ( Does not exist ; TRY TO CALL THEM ) Auto insurance now, not collections service. This was paid 3 years ago and they didnt correct it, now out of business. 

This should be removed, as there is no way to call, write, email Fall 's Collection Services and get them to correct the record that this was paid 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently passed the 20 % threshold on my mortgage repayment. Between repaying 20 % of the original value and the fact that my home has increased in value due to the current market conditions, I sent in a written request to remove the Private Mortgage Insurance from my mortgage to my lender. I have never missed a payment on mortgage. 

I mailed my written request to remove the PMI on XX/XX/2022. 

In speaking with my lender, Truist Bank, I found out that they had received my written request on XX/XX/2022. I had called them multiple times, with the most recent time being XX/XX/2022. During the most recent call the support staff confirmed the original receipt date, and that they had processed it and formulated a response on XX/XX/XXXX, but could not confirm if the response had yet been mailed. The support staff indicated that if the response had not yet been mailed, that it would be sent via overnight mail to me. 

It is now XX/XX/2022 and the response still has not arrived, well past the 30 business day response window that they had indicated it should take ( and may be mandated elsewhere ). Meanwhile I am still continuing to pay for unnecessary PMI on a mortgage that is several years ahead of its original repayment schedule. 

To add insult to injury, looking at my next mortgage payment, the PMI 's premium has been doubled from it's original value.

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 2015-12-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have applied for a personal loan recently to reduce my credit card loans, and was rejected by the bank due to information provided by credit card reporting agency. The Bank , XXXX, claims that there were XXXX delinquencies listed, and quite a few of them in the last three years. This is incorrect information. I have not had any delinquency in my XXXX credit cards or my mortgage or any bills that were unpaid in the last three years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage Services provides and files with the XXXX XXXX XXXX XXXX XXXX false and misleading information. I email a complaint to PHH mortgage services on XX/XX/2022 and never receive a reply. I email a different complaint to PHH mortgage services on XX/XX/2022, looking forward to hear from them. I have provided proper documentation to support my complaint. I am attaching both of my complaints previously mailed to PHH mortgage services to CFPB. 

PHH has not cancel the sale date of my home that is set for XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr Cooper had our loan and was reviewing for a streamline modification, we were current prior to covid. They had 30 days to review and said the decision would be made by end of XXXX. We received letter loan was being transfer in XX/XX/XXXX to another mortgage company. 
A call was made to Mr Cooper they said decision would be made prior to transfer because the 30 days would be up. 
The loan was transferred to XXXX servicing. 
They said its no longer XXXX but another investor no such thing as streamline. 
Mr Cooper did not complete our modification and now XXXX XXXX trying to foreclose now.. they did not pickup where mr Cooper left off, this should not be on the customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

1. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$80.00} 4. XXXX XXXX BANK XXXX XXXX. 
Account Number : XXXX XXXX : {$690.00} 5. XXXX XXXX XXXX Account Number : XXXX Bal : {$490.00} 6. XXXX XXXX Account Number : XXXX Bal : {$1000.00} 7. XXXX XXXX Account Number : XXXX Bal : {$480.00} 8. XXXX XXXX Account Number : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX Account Number : XXXX Bal : {$4500.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Master Credit card issuing Bank accepted and cleared the online transaction of {$10000.00} in spite of a merchant presenting my card information with wrong 3 digit card security PIN. In addition, I already had set the security limit of maximum {$1000.00} per transaction on this credit card with the Bank Keeping both the above factors in consideration, the transaction of {$10000.00} should have been declined on XX/XX/2020 I have spoken to the Bank multiple times and finally and recently they have informed me that it's perfectly legitimate to clear the online credit card transaction even with the wrong 3 digit card security PIN code. No explanation given for ignoring the set maximum transaction limit of {$1000.00} on this card.

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 2016-04-06
Company: First Associates Loan Servicing LLC
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Early Warning Services, LLC
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I filed a fraud claim through XXXX XXXX Bank in person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the XXXX XXXX Bank. First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} Zelle transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

Before I knew it {$3500.00} was taken from my bank account and sent to an unknown XXXX Bank account. XXXX XXXX Bank advised that the investigation could take up to XXXX business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX XXXX XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been XXXX business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for Zelle to get back to them. {$3500.00} ( in XXXX transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the Zelle money and a case number which has been dropped by XXXX XXXX Bank. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from XXXX XXXX ( XXXX Ext XXXX, Claim # XXXX ) officially advising that XXXX XXXX Bank is unable to help me recover my {$3500.00}. 
I am XXXX and having XXXX XXXX due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXX Bank Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last 6 months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within 30 days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.

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 2015-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I currently have a credit card account with Capital One, and the have increased my APR to a whopping XXXX!! This practice is another example of a finance company running amock with corporate greed and consumer fraud. Capital One claims they offer competitive rates. Not so, because XXXX only charges me an APR rate of only 9.99 %! Hence, the are guilty of false advertising and other unethical business practices. Recently, I filled out an extremely negative customer survey report. XXXX, from Marketing and Research, called me while I was taking my car to a body shop for a damaged car estimate. She hounded me for my personal feedback. Should this be considered a reasonable business practice? I think not. 
Therefore this constitutes both an invasion of privacy and harassment! XXXX, from customer service, did not have my consent to call me and challenge my right to free speech. 
Finally, Capital One must also be held accountable for poor business practices, customer service incompetence, and the scheme of assigning false identities to their customer service reps in the XXXX. On every occasion whenever they have answered my customer service calls, they have referred to themselves as either XXXX, XXXX, or XXXX. I believe this criterion represents identity theft, which falls within the guidelines of consumer fraud. Also, whenever I have requested that each of my calls be transferred to someone in the United States, the outsourced representative has either hung up on me or has simply dispatched my call to an automated dumping ground, which usually results in my call being terminated. Can one of their corporate executives please justify this practice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection agencies calls me throughout the day at my home and on my cell phone. I know that I owe Capital One and I am making every afford to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX my credit score with top three agency 's was XXXX. The score is always around XXXX to XXXX depending on the day for the past 3 years. 

On XX/XX/XXXX Navient reported to the credit bureaus that the student loan was 120 days late which dropped my score XXXX points. I was devastated when I saw this change to my score. I recently had to move my Mom in due to the pandemic, because my other sibling lost his job and they all moved in with me. My Mom has hard time climbing the steps to enter the house. I am being denied a home improvement loan because of this drop. I contacted Navient about the payments and asked them if they could remove the late payment from my credit report. I also asked if there was a payment plan that would allow me to pay less than the {$800.00} a month that was due. The first thing the representative suggested was a forbearance agreement, I didn't want to use this as a result to remedy the situation, but was told it was the only way to bring the account current and would give me 3 months to catch up and be able to start making payments. 
I then asked why was the payment reported as late, when according to Consumer Financial Protection Bureau website states that Federal student loan repayments were on pause for interest and payments until XX/XX/XXXX so how was the payment late. 
The rep told me that was for Private loans only, I told her to please check that because I was just on the site and it's in bold letters that repayments were on hold until XX/XX/XXXX, so how can this be reported to the credit bureau as late. I asked to have it removed from my credit report and was told this was impossible as the credit bureau is the one he placed the late payment. We went back and forth until I hung up and called back and spoke with another rep. The next rep talked about a repayment plan that would lower the payment to half and start on XX/XX/XXXX. I asked her the same question about having it removed so I could qualify for a home improvement loan to make the changes to my house for a ramp, for my elderly mom to access the home. 
She told me the same thing that the credit bureau would have to remove the late payment, I argued that it should have not been reported late, when the XXXX deadline for the pause on payments have not occurred. 
I gave up until today. 
Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage lender is Suntrust Mortgage that has now merged with Truist Bank. My loan number XXXX My hazard insurance company issued a partial refund on my policy in the amount of {$2500.00}. The check was issued XX/XX/XXXX to Truist Bank, XXXX XXXX  XXXX, XXXX, OH XXXX. The check was cashed by Truist Bank on XX/XX/XXXX. To date the refund has never been posted to my mortgage account. Failure to post these funds to my mortgage account results in a {$200.00} per month increase in my mortgage payment. 

I have tried to reach out to Suntrust and after long periods of time on hold their systems fails and all of a sudden they can't hear me. Even though they have all my call back information they never bother to call back. 

I am attaching a copy of the cancelled check for the monies Suntrust/Truist received that have never been posted to my account

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