BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, after a direct deposit of approximately {$580.00}, I had approximately {$580.00} in my Chase checking account ending in XXXX. On XX/XX/XXXX I paid the approximately {$370.00} minimum payment on my Chase Freedom credit card online via my checking account. After processing the minimum payment, Chase on the same day ( XX/XX/XXXX ) held {$150.00} in funds and deducted a {$75.00} legal processing fee bringing the account balance to {$0.00}. When I reached out to Chase, I received a copy of a levy notice that I had been unaware of. The levy expires in XX/XX/XXXX according to the notice allegedly from the Court, but in Chase 's system it fraudulently shows as expiring in XXXX. In addition, the Court Officer XXXX XXXX filed a fraudulent certification for this levy, but more importantly no money was to be taken from my account due to the NJ statute listed below which exempts the first {$1000.00}. Since I maintained less than {$1000.00} no money was to be held from my account. In addition, I submitted a request in writing to Chase to request the money they are holding and the related fee be returned. I also asked to close the checking account since I am no longer able to meet the requirements to avoid a monthly service fee of {$12.00}, but Chase 's Customer Service said they were unable to assist with these requests. XXXX. Amount ; exceptions Goods and chattels, shares of stock or interests in any corporation and personal property of every kind, not exceeding in value, exclusive of wearing apparel, {$1000.00}, and all wearing apparel, the property of a debtor shall be reserved, both before and after his death, for his use or that of his family or his estate, and shall not be liable to be seized or taken by virtue of any execution or civil process whatever, issued out of any court of this State. Nothing herein contained shall be deemed or held to protect from sale under execution or other process any goods, chattels or property, for the purchase whereof the debt or demand for which the judgment on which such execution or process was issued, shall have been contracted, or to apply to process issued for the collection of taxes or assessments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-22
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This property was sold and paid-off the above loan on XXXX XXXX, 2014. However, CitiMortgage is reporting the current loan status past due 120 days. I am requesting CitiMortgage send an corrected update to the XXXX Credit Reporting agencies ( XXXX, XXXX, XXXX ) to reflect that loan was " Paid As Agreed ''. 
Change Account Status From : " 120 Days Past Due '' Change Account Status To : " Paid as Agreed and Closed ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. XX/XX/XXXX Hurricane XXXX hit the Florida XXXX. 

2. My home at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX was damaged. 

3. XX/XX/XXXX I filed an insurance claim for flood damage. 

4. XX/XX/XXXX I met with the flood insurance adjuster on my property. 

5. XXXX XXXX, XXXX I received a check from XXXX XXXX XXXX XXXX -- a payment under building property coverage. 

6. In a meeting with Wells Fargo representative on XXXX XXXX, I was told that I must deal with XXXX XXXX XXXX XXXX Department. 

7. XXXX XXXX, XXXX I sent a letter to Wells Fargo Home Mortgage Property Loss Department, along with the endorsed insurance check in the amount of  {$39000.00} and a request that all communication be in writing and a request for {$5900.00} for my out of pocket expenses to that date for home repairs. 

8. XXXX XXXX, XXXX I received a call from Wells Fargo XXXX XXXX Department. I was told that I needed to set up a payment account or no insurance funds would be released. 

9. I asked for this in writing. The lady said she could not do that.
Facts : 1. Wells Fargo has filed three foreclosure suits against me.
2. The first suit was withdrawn.
3. The second suit was dismissed.
4. The third suit is an active litigation which does not mean they are right or will win.
5. This conflict has been on going for about ten years.
6. The insured property was damaged.
7. There are existing health and safety issues on the property that need to be addressed and repaired. 

8. Funds are available to repair the property, but they are being withheld by Wells Fargo.
9. Wells Fargo is not the note or mortgage holder. Well Fargo is the servicer.
10. Wells Fargo is withholding flood insurance funds underwritten by the Federal Government by way of FEMA that need to be applied to proterty damage.

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 2015-06-08
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I got into a contract for a house in XXXX, realtor name XXXX XXXX on XXXX/XXXX/15. 
XXXX strongly recommended his loan agent XXXX from Citi Bank ( XXXX ID : XXXX ). 
I talked to XXXX for couple of minutes and we set a time to go through numbers and rates and see if he can do the loan ( while I was in the deciding period as to whom I will use as a lender ) on Saturday XXXX XXXX at XXXX. ( See Screen Shot # XXXX below ) XXXX missed that appointment, then we made another appointment the next day on Sunday XXXX XXXX which he missed again. ( See Screen Shot # XXXX below ). In other words we never got to talk until appraisal. 
Surprisingly, the realtor sends me an email same Sunday morning at XXXX ( See Screen Shot # XXXX below ) that the appraisal is at XXXX the same day. At that point I had not even talked to XXXX and not even selected him as my lender, he has not even gotten my permission to proceed, he has not even disclosed if and what it will cost for appraisal. It was a surprise for me and the realtor was in on it. I did not check his email until XXXX Sunday morning and at that time appraisal was already done. ( See Screen Shot # XXXX below ) As a result of this action, he locked me to work with him only as I did not want to jeopardize my house purchase but unfortunately, he was not able to perform and I had to cancel the contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX shows as a collection against me but I 've never opened nor had a XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I woke up today to a collection on my credit report from this company CONVERGENT XXXX it says the original creditor is XXXX and it was opened in XXXX XXXX i monitor my credit religiously and i have no idea who this company is and i never opened or owed XXXX anything in XXXX XXXX this same company has been harassing me over the phone for a month whenever i told them to send me something in writing about this account they hung up on me

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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2016-11-15
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was party to a foreclosure action in 2007 bearing XXXX County Clerks Index Number XXXX. The action to foreclose the mortgage was on behalf of XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, Series XXXX, without recourse,. 

The plaintiff obtained a Judgment of Foreclosure & Sale on our property when no debt was owed. The defendants negotiated a settlement with the plaintiff and the resulting decision of the Court thereby Vacated The Judgment Of Foreclosure & Sale due to the fact that " the defendant paid off his mortgage and all costs associated with the action and granted by the court ''., as indicated in the attached affidavit of plaintiffs counsel. 

Now many years later after the time to appeal is 8 years past Ocwen Loan Servicing is sending threatening notices regarding the same mortgage and same debt associated with the XXXX action attempting to swindle the homeowners from their property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as XXXX Trans Union and XXXX have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem

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 2016-04-19
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
on XXXX/XXXX/2016 I submitted a {$25000.00} payment to Ocwen for a principle prepayment on loan XXXX. They used {$1000.00} to pay my regular payment which I did not instruct them to do. I want the payment reversed and credited as I directed all to principle payment and my payment of {$1000.00} made on XXXX to my XXXX payment. 
Ocwen is a predatory mortgage servicing company run by thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
OnXX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laptop Computer from XXXX. The order number is XXXX. The amount of the order is {$370.00}. When the laptop was delivered, I immediately saw that it was not the laptop I ordered so I contacted XXXX and arranged to return the laptop for a refund. I requested the refund to be made to the original form of payment, an XXXX XXXX XXXX through Chase Card Services. I received an email from XXXX on XX/XX/XXXX indicating the refund had been processed. The email did not indicate it had been processed in the form of a gift card. I did not realize that had happened until a few days later when I placed another order with XXXX and belatedly saw that the amount had been debited to a gift card. My thought was, " What gift card? '' and only when I investigated did I learn what had happened. On XX/XX/XXXX, I contacted XXXX 's customer service department via their online chat system and explained what had happened and asked that the remaining balance of the gift card XXXX {$320.00} XXXX be applied to the balance of my XXXX XXXX. I have since ordered another laptop directly from XXXX, I do not need an XXXX gift card in such a large amount, and that initial charge of {$370.00} will continue to accrue finance charges, costing me additional money for an item I do n't have, all the while it remains on the card. I was shuffled around to ten different customer service representatives, some of whom were outright rude, and all of whom told me that they could not fulfill my request. When I asked for a copy of the policy supporting their decision, they refused to either send it to me through email or to tell me where I could locate it on their website. I have made a thorough search of the policies on the website and I can not locate it. When I asked for the name and title of someone I could call and speak with directly, they refused to provide that as well. This seems to be to be a very deceptive credit card practice. I believe that if XXXX is going to make a refund to a customer in the form of a gift card, the customer should be notified and have the opportunity to object in advance. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: VA
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:
15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as XXXX XXXX XXXX and Experian have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem

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 2016-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I was preapproved for a Mortgage with 10 % downpayment and a fixed interest rate. After submitting an offer on a house and paying for Earnest money, inspections, application fees, and 2 weeks away from the closing date, my lender informed me that they now required a 20 % down payment and were increasing the quoted interest rate by .6 %. The house offer was made and planned for based on the preapproval and I do n't have the additional 10 % down payment available. Because of the late notice, it is near impossible to get financing with another lender before the closing date.

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 2017-11-25
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 disputed each account listed below 4 times with XXXX and Experian. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. 

XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}

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 2015-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Dear sirs, I recently spoke with your rep and she read me the response from XXXX at Bank of America. This has truly been a nightmare i hope to end soon. The bank cleared this certified company check and then after being on hold for 4 days they cleared it into my account. The very next day they put a stop payment on it. Then to make matters worse they stopped payment on a check that was n't even real. The Bank will not return my calls, keep adding fees and will not let me close my account. BAnk of America is clearly avoiding the fact that their processors missed that this was fraud and refuse to admit they were wrong in letting this check get cleared and a stip payment be put in effect. The documents they sent you do not match the documents they sent me. This is in reference to a case i already have with Bank of America. if i am causing confusion i apoligize but i dont know how else to give the updated information to your company. I am attaching documents which clearly are different that the ones the bank sent to you. also the information they provided to you is indeed their side of the incedent and does not match what truly happened. case XXXX. 
I am homeless and temporary with a friend i am XXXX and it is hard for me to get around. i will check my email please let me know if you need me to call you. 
thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-07-26
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Since XXXX, I spent XXXX months stressful days but, I paid {$150.00} for the services fees because of CITI. 

I opened Citi Gold account last XXXX, because I see there was XXXX XXXX miles promotion for opened the Citi Gold account. 

First, I see this promotion it looked really easy to do. I can not even imagine this takes too too long for be processed. 
I finished all promotion requirements at XXXX. and I sent a message to Citi. 
And they replied I need to wait till 90 days after I finished the requirements. So I waited like 120 days like a fool, but It does n't work. So I sent a message and call them that they finally submitted investigation for me ... 

2 weeks later, I got the message that I can not get a promotion because my account is not yet XXXX verified. So I sent the XXXX form to them. But It was rejected because of I did n't sent a proof of XXXX mailing Address. At that time I felt weird because I 'm still lived in XXXX. 

I sent another copy of XXXX with proof of XXXX mailing address ( It mentioned I live it here ). and call them I sent that. But, no updates for me after 2 weeks. So I called them again but, they said like it 's still processing. and call again and again and I knew that they even can not found my documents. 
and call again to XXXX of supervisor that said like I have to submit the XXXX instead of XXXX ( what.. ) So I sent that now my account is finally verified. and I submit the another investigation for it. and I 'm still waiting for it. 

Also, I tried to asked them a monthly fee waived, but that does n't work. They overtime said like their regulation for it. After few days is XXXX XXXX, that means I should pay another {$30.00} service fee. 

I 'm really tired of the situation, and I hop this solved quickly. 

Please understand my circumstances, I will look forward to hear from you soon with a good news.

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 2016-09-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has refused to transfer my call to a US based representative, time and time again. They place me on hold, get an off shore supervisor, place me on hold again and then hang up after 5 minutes. I can not conduct the important business on my account because they refuse to honor my request to speak to an US based personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I entered into a loan modification with ocwen and was on time every month and was never late. Even before that was only 30 days behind. Was told 3 months and it turned into XXXX. Finally they sent me the modification loan after I did complaints. But the principle was {$13000.00} more than it should of been. It went back and forth and the consumer office told me to just sign then they would fix. I ended up just selling yeh house to get away from them and paid my loan in full. Now they have reported to my credit agency I was late for over a year. While I never missed the payment. They sent me my sector balance which shows {$3800.00} in it remaining after close but they 're saying that 's wrong now and I 'm owed nothing. I tried to correct credit report but they still are refusing to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: NC
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 the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency XXXX not furnish an account with my written instructions.

Company response to consumer: Closed with explanation