BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My name is XXXX XXXX. I have a bank account with JP Morgan Chase bank N.A . I recently submitted XXXX 3-party checks with the allowance of the owner 's of the checks. I was told by Chase bank that I need to get authorization by these XXXX persons either by visiting them the branch or sending authorization letters notarized by US Embassy to one of Chase branch. I got the letters notarized and shipped to Chase bank branch. I spent XXXX usd to get letters notarized and another XXXX to get letters delivered to Chase branch. Otherwise, Chase would close my account and send a check to my mailing address. So I spent XXXX usd just to keep my account at Chase bank. Letters were delivered in 3 days, they have reviewed them and re-activated my account. 
Meantime, when I logged in into account I saw that Chase debited from my account XXXX usd that I tried to withdraw but ATM did not give me funds because the account and the card was restricted at that time. However, Chase was debiting me like ATM did give me cash. So I had to file a claim to get that money back to me. It was filed on XXXX XXXX and on XXXX XXXX Chase provided temporary credit of XXXX usd. I ran out of money and I need some funds, I had to withdraw XXXX usd again. The ATM again did not allow me to do so and when I called to Chase to ask the reason, I am being told that they are closing my account!!!! They are closing my account. All actions I have done, all money I spent was for nothing! They are anyway closing account. 
I did all these actions because I wanted to keep my Chase account. Since I am not in the USA, it costs a lot of money to call Chase each time, I spent more over XXXX usd overall to call Chase and talk to representative to get my issued resolved. That is more than 5 hours of time. The biggest part are my efforts to keep chase account and my personal time, these are not countable, these are invaluable for me! 
My impressions with Chase Bank is associated with my impressions of USA, since it is the bank I opened in the USA. I do not want to loose those impressions, please do not take them from me. 
Please help me out. 

Thank You XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has called, sent letters  XXXX   2016 , I told them this was not mine but someone elses. They are not bonded to collect debt in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, 2020 after reviewing my personal credit report ; an unauthorized inquiry from COMENITYCAPITAL/XXXX XXXX located at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX showed on my XXXX   credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1 ) My Mortgage Loan Modification final document package has been dispatched via XXXX to a third party individual Notary Public, XXXX XXXX, to deliver in person the modification docs. for my notarized signature. Be advised, I am represented by Attorney-at-Law, XXXX XXXX since I filed Chapter XXXX Bankruptcy on XX/XX/2012 and I believe the docs. should have been sent to my attorney or myself in lieu of a third party who is not a Wells Fargo employee. Furthermore, if Wells Fargo 's intention was to ensure accurate execution of the modification documents they could have utilized a Notary at a banking branch office in my neighborhood. 

2 ) XXXX Attorneys employed with the law firm XXXX , XXXX XXXX XXXX XXXX, XXXX. ( this law firm was in process of foreclosing on my home in XX/XX/2012 when I filed Chapter XXXX ) are individually named as Trustee on the pending Subordinate Deed of Trust awaiting my notarized signature. 
3 ) I was given 12 day turnaround from the date of receipt of loan modification documents for my notarized signature, I was expecting at least 30 days from date of receipt for review and discussion with my attorney. 

4 ) My Mortgage Loan history is MISSING XXXX Property Inspection charges each assessed at {$15.00} each as follows : XX/XX/2012 XX/XX/2012 XX/XX/2012 XX/XX/2012 5 ) Over billing attorney fees and costs. Advertising costs in Texas and XXXX XXXX filing fees are over billed by foreclosure attorney. 
6 ) My loan was dual tracked in 2012 and a trial payment was returned NSF in order to begin foreclosure. I am in possession of all documentation in support of dual tracking as well as copies of 2 months of concurrent bank statements from XXXX XXXX XXXX showing available funds in my checking account at the time the check was returned NSF. 
All evidentiary documentation on above complaint issues are available and will follow under separate cover.

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: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I requested mortgage assistance from Wells Fargo and was denied for home retention options. I was told my options to avoid foreclosure were deed in lieu in foreclosure or to list my home for short sale. Opting to short sale my home was the most difficult decision to make but we made it. With a broken heart we did list the home and sent everything Wells Fargo needed to start the short sale process. Calls to confirm receipt of the documents we sent were made and Wells Fargo confirmed the documents were received and were being reviewed. Now that I call to check status on the short sale process I am being told the sale date is active and will be taking place as reviewing my request to short sale was received too late. I asked why was I not informed of this on XXXX XXXX, 2016 when I called to check status on the request? Instead I was told the documents were received and were being reviewed. Never the less the representative was very rude and told me they are moving forward with the sale date. I told the representative what options are they providing me with to avoid foreclosure and the representative very mockingly answered " NONE ''. I told the representative I am in California, and here it is a requirement that ALL lenders provide an alternative to avoid foreclosure. The representative again told me I have no options and asked if she had addressed all my concerns. I asked to speak with a supervisor and of course the call was terminated. I called back to speak with a Supervisor and would get transferred to the Home Preservation and of course as usual I get the voicemail. This entire matter has been difficult God is my witness we tried and tried to make ends meet and have accepted the reality, which is we can not afford our home which is why we decided to to proceed with the short sale process. I am very very very sadden with the treatment and inaccurate information and the acts of bad faith Wells Fargo. I have asked for a postponement as there is a buyer and I will be penalized and will be required to pay the buyer for the cancellation of the process, which is money I do NOT have.

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 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received the comment back from capital one. They said that they check the ssn DOB, and address belongs to me. I will assume that yes, all those information belongs to me, if not then how are they going to open an account under my name? And the address that I used is showing on my driver license. That will be making more sense. Also, they mentioned about I make the payment under my name in XXXX account, I believe that I closed the XXXX  account before I went back to XXXX. As capital one mentions, that account also open fraudulently too. ( I will double check with BOA ). I went to boot camp in XX/XX/2019, I graduated in XX/XX/2019. We cant use our phone in boot camp, how am I gon na pay in XX/XX/2019?? That is very a very interesting question. If people have my information, they can easily open my account online easily. 
I also attached my military information below. You can See I went to military basic training In XX/XX/2019. Making a payment its not possible during boot camp.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act XXXX  accounts XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
It is a XXXX Bill that they had told me. I did not make that bill. I have told them over and over. I did n't make that bill. I want it off 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 explanation
Consumer complaint received 2017-01-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I called up today to get the pay off amount and was told they did n't have it even when I originally ordered it last Tuesday and I was told XXXXXXXX hours. They I told them I was faxing the XXXX form today and she said they were waiting for XXXX more paystubs which I wont have until Friday. I asked could n't they postpone the sale day for a week to get this figured out and she said they were n't going to do that and If I could n't have a full packet in by today they were n't going to waste their time looking at the review anymore. That tells me that wells fargo has no intention of helping us save our home and they are forcing us to do a chapter XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Consumer Adjustment Company Incorporated
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Consumer Adjustment Co is reporting a negative collection account on my credit report ( XXXX, XXXX, XXXX ) The debt is from a hospital called, '' XXXX XXXX Hospital '' located in the state of Missouri in which I do not live in. I have never received any services from that named hospital and have informed the debt collection agency that this fraud. I have been a victim of severe ID theft. I have provided the agency with proof of my dispute of fraud and this account is still listed on my credit report, reporting negative every month. I have sent in letters directly to the agency and also have done a direct dispute with the actual credit bureaus. I'm at lost of what to do now ... .. I just need for this fraudulent account to be removed from my 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 explanation
Consumer complaint received 2019-12-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a payment in XXXX and over paid by {$160.00}. I called to make my payment in XXXX and asked if they could apply the {$160.00} to my current months payment. The representative did this and processed the payment in my account. I then the next week started to get collection calls from them. I spoke with a representative and was advised my payments had not been made. I was then told that there was a glitch in the system and my payments were lost. I have called everyday almost trying to figure out what they did to my payments. I am now told on the call I am delinquent but they are working it out and will now take 20 days to resolve my payment issue. I call them and it takes at least 45 minutes to get someone on the line. They even have the nerve to go over foreclosure info with me like I am about to lose my home due to there error

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Acct name Acct # n accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my Mortgage with XXXX XXXX XXXXXXXX. After close I was notified that the loan servicer would be XXXX  XXXX XXXX ( XXXX ) and my first payment should be made with them on XX/XX/21. On XX/XX/21 I made a payment of {$1400.00}. I then received a notice that the servicing of my loan would be taken over by Specialized Loan Servicing ( https : //www.sls.net ) starting on XX/XX/21. SLS is now calling me asking me why I have not made my XX/XX/21 payment. I have created an account with SLS on their website and it does not reflect the XX/XX/21 payment I have made through my original servicer ( XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I started school, all me and my cosignor knew was XXXX cumulative max could be borrowed. To us that meant that once that amount had been borrowed, approval would not occur anymore. That credit was checked by lenders and the website that monitors student financial aid would be checked by lenders and when shown that amount had been reached, that was it. However, between XXXX and Navient/XXXX XXXX, they never capped that max and now I am in debt over XXXX dollars. XXXX loan alone went from XXXX original to now XXXX owed. These are just private loans- not including my federal. I am paying OVER XXXX a month in student loans! My entire income is going to this debt. It is not affordble to me nor to my cosignor. They took advantage of nieve borrowers. It wasnt until grad school did I learn of my total amount owed and how these XXXX lenders XXXX us by not stopping the approval process at XXXX max. I have XXXX children and a husband in the military. We are rapidly going in debt and losing things because this is consuming us. They harrass us and our family daily. Sometimes calling 30 times a day, they hound my co signor at work to where he has been threatened to be fired. They refuse any payment options, they have talked to me in the most disrespectful of manners, They threaten us, and not only that its impacting my husband military career and the life we can provide for our children. Something needs to be done about this,, I can not afford this for the rest of my life, it is physically making me ill, mentally wearing on me, I work 5-7 days a week, XXXX jobs ata time, my husband works XXXX jobs and we are not making it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: LA
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 haven't had a recent credit score through Equifax and XXXX in three months. Since XX/XX/XXXX of this year no new information or changes have been made. I tried to contact their company, and never got a response back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance to the Fair Credit Reporting Act and XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to wrap up a HAFA short sale for well over a year and Wells Fargo does not want me to do a short sale. Everytime I get to the finish line, they change short sale negotiators and I have to start the process over. I have been through XXXX Negotiators. I am at my wits end. Now we have a Liquidation department disregarding us. We need HAFA funds to relocate. We have a viable buyer. In fact we have had XXXX viable buyers who increased the sales price when the value increased due to different negotiators changing. We have children in school and I wanted to try to relocate this summer so that I would n't disrupt their school. I have missed out on decent housing because the short sale negotiators keep changing. Just recently, the negotiator made us resign a contract in front of a notary and had the buyer make other concessions. We adhered. We could n't do it right away when our Realtor contacted us because we had to take our oldest son off to college. He has a full scholarship and we accepted into a special summer program. It 's not easy selling our home because we do have major water damage and we have n't been able to remodel it. At least with a short sale in a year or 2, we can buy again. If we have a foreclosure or a deed in lieu, we will be prejudiced for 7 years. I am losing my mind from this. While we were waiting for a final approval, the negotiator sent their attorney notice to reset a foreclosure sale date. We just received it in the mail today. This has been a God awful experience. Now, they are forcing us back into bankruptcy. My neighbor works for the banks and told me when they start doing this, its because they want to collect the mortgage insurance claim instead of working with the homeowner. We really need help. We had a bad pickapay loan from the beginning. We want the same opportunities extended to all the other homeowners. We did everything required of us and the buyer has funds to buy this property. We really need to relocate to get back on our feet. We want to be able to get our family situated.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STAT

ED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-05-13
Company: Great American Finance Co
State: CA
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:
Noticed an account was opened in my name on my credit report from great American finance. Was not me and a new inquiry from XXXX bank XXXX XXXX credit was not me.

Company response to consumer: Closed with explanation