BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: AMERICAN ADVISORS GROUP
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Early in XXXX, we closed in on a reverse mortgage with a company XXXX. Their spokesman is actor XXXX XXXX. The ads on the Tv. seemed honest. We were told we had substantial equity and assumed we had some cash coming at the closing. The notary said there is no cash instead an amount of XXXX XXXX dollars was set aside for needed repairs. The money to be given to us after the repairs are made. I told them I need some of the money for a down payment for the repairs to get started, but they say no way. Now I have been informed that the loan is in default because the repairs are not done. With the covid and no money for a 30 percent down payment, I am locked out. The XXXX not-so-nice department sent me a letter of the statement says I have a credit line of XXXX to use. I call them in XX/XX/XXXX and I asked to have the money for a down payment for repairs and they told me I can not have the money because the loan is in default. Why did they send the letter to me in the first place? Now in XXXX I contacted the XXXX office which is accounting and residency verification told me that the XXXX office is breaking the law that that money is mine and to be used for any bill or project I choose. They told me that putting the loan in default has gone against us in the credit line making us look like we are behind in payments, there are no payments in a reverse mortgage. Either way this makes us look bad, it's like we are being punished for nothing.. The XXXX office is trying to straighten things out but the XXXX is not coperating. Nothing seems to be going anywhere. I would suggest starting with the XXXX office as they are trying to be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent letters to the consumer reporting agencies regarding fraudulent inquiries reporting on my consumer report, and I filled an identity theft report that is attached below, and I also filed a police report with the XXXX Police department, still waiting for that report to become available. The fraudulent unauthorized inquiries are listed in the identity theft report attached below with dates the fraud was committed.

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 2016-03-24
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I noticed while reviewing my mortgage statement with Ditech, XXXX XXXX XXXX, a line called 'Unapplied Amount '. I overpay my mortgage every month. Apparently, this company takes any additional money I mail in for my mortgage, and allocates it to a non-interest bearing account, where it sits indefinitely. Why would I mail money to a mortgage company that does not get applied to the mortgage? Their response is, " You did n't indicate what you wanted us to do with the money. '' What I want them to do is pay my mortgage. How is it legal that they can allocate the extra money I send for my mortgage into a non interest bearing account, make the minimum payment on my mortgage, and continue to charge interest on the remaining mortgage balance? 

The sole purpose of this 'scheme ' of not paying my mortgage with the money I send them is to extend the amount of time I spend paying the mortgage, and prevent me from paying it off early. Why would an account like 'unapplied amount ' even exist? Except to criminally hold my money, for no good reason, to prevent my mortgage balance from being paid down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
These debts are from XX/XX/XXXX or XX/XX/XXXX. Should n't they have fallen off my credit report by now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America says that they paid my property taxes on XX/XX/XXXX because, they claim, I didn't pay the taxes. In fact, I paid the property taxes on XX/XX/XXXX. I have a bank statement from Bank of America showing that I paid XXXX  XXXX, which is the XXXX XXXX Tax Assessor on XX/XX/XXXX. Bank of America is making a mistake of putting the " Recoverable Corporate Advance '' of {$710000.00} on my account. It is not accurate. Maybe they paid someone else 's property taxes, but, they did not pay mine. This is urgent because Bank of America is selling this loan as of XX/XX/XXXX. This extra money that I do not owe is also erroneously reported on my credit reports.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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, ONLY NAME IS XXXX XXXX, ONLY ADDRESS IS XXXX XXXX XXXX XXXX, SOUTH CAROLINA, 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 non-monetary relief
Consumer complaint received 2021-12-15
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am traveling in XXXX with my XXXX daughter. Chime suddenly closed my bank account with no explanation. I have tried to resolve this for over a week with no success. It is absolutely impossible to talk to anybody there. From what I understand they are doing this often and in some cases keeping the peoples money. What is going on with this bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
I paid off a collection account and the collection agency will not remove it from my credit report. I've paid others and they removed those collection accounts. The last one was removed a couple weeks ago. This collection account is still on my report after I paid it a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020, I applied for a conventional home loan with Navy Federal. Loan Officer XXXX XXXX said underwriting asked for additional information. Said information was submitted and a pre approval for {$510000.00} was given. We find a home and take the additional steps per the preapproval. XXXX stops responding. After a week she finally returns our call and says that Navy Federal JUST changed stipulations like yesterday and my score was 20 points too low. For the next 45 days, I do everything in my power to raise my score from a XXXX and ended up getting with a XXXX. I reapply and was assigned a new loan officer,  XXXX XXXX. Received a second preapproval for {$510000.00} just to be given a different reason why Navy Federal couldnt move forward a second time.

The problem is, Navy Federal gives preapproval saying that youve met their criteria only to be told that the goal post is being moved over and over again. Our lease was up and we ended up signing a month to month based on the preapproval. We were also in the process of switching school districts based off of the hone we found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already tried before to resolve this fraudulent account with this company. This account is a result of fraud. I have never conducted any business with ERC or XXXX. Its not my debt, and their still reporting it on my credit. I demand a copy of the original contract with my Signature. They are in violation of the federal and state Fair Debt Collections Practices Acts. If they can't or refuse to provide the original contract with my signature binding me to this entity. Which means they are also reporting inaccurate information on my credit profile, which is a violation of the Fair Credit Reporting Act and must be deleted within XXXX days. This is my last time requesting this fraudulent account be removed. I will proceed with legal actions if this isn't rectified expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/2016, I changed cable providers based on the understanding that I would receive a special box for high definition TV as well as internet service for my SMART TV. The salesman misrepresented the service, they do not have high definition boxes and will not have them for 6-12 months. I asked to cancel the XXXX service due to misrepresentation within 3 weeks of signing the contract, but they refused. The only reason it took me this long to cancel was that they continued to lie to me, telling me the internet at my house was n't of good quality. I cancelled the service and told them that I would not pay for two years of a service that could not even be provided to me. 

I then called Chase bank to discontinue auto draws for the service. The Chase representative told me that he could n't stop the payments, which I did n't understand. He then told me that if I cancelled my card and got a new number that the auto withdraws would not be able to go through. I did as he suggested and cancelled the XXXX card, and got a XXXX one. 

In XXXX Chase bank allowed a credit withdrawl on my new card from XXXX XXXX for the full amount of the 2 year contract for {$430.00}. I never gave the new card number to XXXX XXXX. I do not know how they got access to the new number that Chase told me was safe. 

When I called Chase to complain they told me that the first representative that I spoke to gave me misinformation and that legally they could n't stop the withdraw on the new card. 
First I was lied to by XXXX XXXX who sold me a service they could n't provide, then Chase bank lied to me about obtaining a XXXX card to ensure my money would be safe. I did not sign a contract with XXXX XXXX to allow them access to my new credit card, Chase had no right to allow this access. It is especially upsetting that the only reason I got a second card was that Chase told me it was a way they could keep my money safe. 

I would like for this complaint to be against both Chase Bank who allowed a company access to my account without the appropriate permission from me as well as against XXXX XXXX who sold me a service that does n't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: SC
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 should not have to wait an additional 60 days to get inaccurate data off of my report with Equifax. How is this fair to me? I have already wrote a letter and mailed it to Equifax and nothing was done nor did I receive a response back. I feel I have waited enough time already. I was able to resolve it within 4 days with another credit agency. This is inaccurate and now I 'm being told it will take 60 days for the matter to be resolved. This is not fair please help XXXX XXXX XXXX {$130000.00} inaccurate never owed, please remove. I confirmed this with the IRS. 
COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove COLLECTION # XXXX I called this agency they have no data on this. This is unverifiable, outdated and inaccurate remove

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Lived at an apartment complex five years ago. Gave 60 day notice and moved to new apartment. Have lived in several places since then. Looking for new apartment currently XXXX XXXX 2015 XXXX, and with credit report old apartment complex says I owe almost $ XXXX as of XXXX 2015. This is incorrect and needs to be deleted. I was not informed, taken to court, and I have n't been there in five years. Credit report is showing as of XXXX 2015. Incorrect date and fraudulent charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received an alert from Chase Bank that my account was overdrawn on XX/XX/XXXX, I then logged into my Chase Bank account and discovered that check # XXXX written on XX/XX/XXXX was altered and cashed for an amount I did not authorized. At that time, my check registrar started with the check # XXXX, so I was unable to track who I wrote the check to or where. The amount I wrote the check for was {$3.00}, and I gathered it was a tip for a service rendered. After several questions including my spouse 's active military status, Chase informed me that I would have to complete an affidavit, and return it in order to launch an investigation. Next, I visited a Chase Bank and spoke to a manager that looked into my account, commented on the alteration, informed me that a check older than 6 months should not be cashed. He also explained that my check had been " washed '' which explains several items on the check that are not in my handwriting. He assured me that my monies would be returned. XX/XX/XXXX received the form, had it notarized and faxed it back to Chase. XX/XX/XXXX received another alert that I had now incurred a {$34.00} insufficient funds charge due to this theft. I was informed by Chase agents that these fees would be returned once the investigation came to a close. XXXX-I telephoned Chase 's Customer Claims Department and was told that my claim had been approved and that {$330.00} would be deposited into my account on XX/XX/XXXX. On XX/XX/XXXX, I checked my account, no funds. I called the Claims Department and was informed that my claim had been denied because the other bank requested a duplicate copy and since I did n't have XXXX my claim was denied. I requested a supervisor, I was connected and told the same thing. I explained the matter once again and was told the item would be reviewed once more and to call back on XX/XX/XXXX To date, I have not received a denial letter from Chase or phone call regarding this matter. Today I telephoned Customer Claims and was told my claim was denied due to my lack of a duplicate and because I wrote the check for cash. I explained that I can not produce an item I do n't have -a duplicate and I never read any literature from Chase stating that if I write a check for cash and it 's altered I as a customer would have to deal with the repercussions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20
Company: JPMORGAN CHASE & CO.
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have called Chase Lien Department XXXX times over the course of 10 days. It has been an average of XXXX calls a day to get a copy of a certificate of satisfaction on a mortgage I paid in full in XXXX, I am constantly told a request has been submitted and have yet to receive a copy of the documentation. I am a XXXX employee currently XXXX and have spent XXXX dollars in phone calls with no results. The problem is an incorrect recording of the satisfaction of my mortgage in XX/XX/XXXX -- a Chase mistake. Chase claims XXXX to have sent the corrected certificate of satisfaction for recording to the county of XXXX Virginia in the XXXX 10 days, but the County has no record of receiving the XXXX mailing and according to Chase rejected the Certificate when Chase after many phone calls from me sent the Certificate of Satisfaction to the County electronically. The rejection is probably due to additional mistakes on the part of Chase. At this point I want to file a formal complaint against Chase and am seeking redress. Average phone times have been anywhere from XXXX minutes to XXXX hour. I have spent at least XXXX hours on the phone during the last 10 days. Chase is jeopardizing my ability to go to settlement on a home equity loan I have applied for with my Credit Union. In addition, I am speaking to what appears to be a call center where the ability to provide the documentation I need does not appear to exist. Frankly, I am shocked by the poor customer service by the lien research department and the numerous mistakes Chase has made. I thought this was a reputable bank. I want to note that the workers in the call center are very polite and helpful but they are not empowered to do anything to help me The problem seems to be in the lien research department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other

Complaint:
In Complaint XXXX and XXXX, Chase Card services can not produce a copy of a signed original contract for Chase Card XXXX along with the original terms and agreement. The account should be deleted since they can not fully validate the account. Chase Card XXXX according to Chase was an Internet contract, where are the original terms and agreement and the e-signature. where are the histories of the accounts and when they were sold and assumed by other companies along with the term and conditions, credit card agreements?

Company response to consumer: Closed
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has corresponded with me through mail that my XXXX account is a result of id theft. Yet it is still on my credit report and they are continuously sending me small refund checks for this XXXX account. I want this debt removed from all of my credit reports immediately

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 2019-02-22
Company: EQUIFAX, INC.
State: AZ
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 following accounts and credit inquiries listed on my Equifax credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$2000.00}, XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I never applied for or had any account with XXXX XXXX XXXX or XXXX XXXX   XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I pulled all three credit reports. I noticed an account from Portfolio Recovery Associates, LLC. In XX/XX/XXXX I disputed the alleged account with all three credit bureaus. In XX/XX/XXXX all three credit bureaus came back as verified. On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC. ( Letter enclosed ) Prior to this Portfolio Recovery Associates, LLC did not send a dunning notice. They also did not notify me within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter asking for validation of alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
THIS IS A CLOSED ACCOUNT DUE TO MULTIPLE ACCOUNTS OPEN AT ONE TIME THAT HAS ALREADY BEEN RESOLVED. BUT COMPANY HAS IT AS A DERROGATORY MARK ON REPORT.

Company response to consumer: Closed with explanation