BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a  Dreamaker Opportunity  mortgage loan with Chase Bank.     I was approved for the loan and I locked in a 4.0 % rate for 60 days in a  Lock-In Agreement. 2  weeks later, I was issued a Mortgage  Commitment Letter  which states an interest rate of 4.375 % with discount points of .375 %. The  Commitment Letter als o states that our interest rate and discount points are determined by our  Lock-In Agreement. I p ointed out to our  Loan Officer  that the rate did not state 4.0 % but he told us that it meant our rate would be 4.0 % after we paid the .375 % discount points.     This l oan officer repea tedly told me that our rate was 4.0 %.     Today, we are   two weeks before the expiration of our Lock-In Agreement and our loan officer has told us that Chase will not honor our Lock-In Agreement rate of 4.0 %.
A loan processing agent explained to us that there was a " glitch '' and that some time after our Lock-In Agreement was issued our application was bounced back and put into a conventional non   -1st time  home owner loan, which does not offer the 4.0 % rate.     This " gitch '' was never communicated to us, neither was the new 4.375 % rate, till today which  is two  weeks prior to our closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Experian Information Solutions Inc.
State: NJ
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:
In   XXXX  , I consolidated my student loans through loan servicer  XXXX   XXXX   XXXX  and the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded  my 10 year old loan as "  closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the same  10 year old stude nt loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped m y credit score   XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.

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 2017-05-18
Company: EQUIFAX, INC.
State: IL
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:
Equifax removed an item off my credit report and reinserted back on there without notifying within 5 days of it being put back on the re. Prime Example  :  XXXX   XXXX  This item was put back on my credit report. This item was an account that was opened due to identity theft. Credit reporting agency has the copy of the police report. The copy stated that I was n't liable for it after i sent them the affidavit and police report, however, Equifax has taken it upon themselves to play judge and jury and reinserted this item. Please find that I 've included all supporting documents.       I 'm requesting a new investigation on the disputed re-insertion account : On  XXXX / XXXX / 17  I discovered  XXXX    XXXX   had been re-inserted into my credit file. You are required to notify me with in five ( 5 ) day s of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.       I plan to file a lawsuit against the creditor for re-inserting the item unde r the Fair Reporting Credit Act ( FRCA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On Thursday  XX/XX/XXXX  I visited the local Wells Fargo branch in  XXXX , VA with the intent of completing a routine deposit transaction. The teller assisting me stated she was unable to deposit the check because it was made out to an individual and this was a business account. I asked the teller to review the account because the check has been deposited several times she became combative and said NO I dont need to. She proceeded to say " try  XXXX  where you belong '' I asked for the manager  XXXX  came over and nonchalantly said we ca n't help you. I asked for his manager, he replied " your wasting your time '' and he will not be available until after  XXXX . I insisted to obtain the information, he laughed and walked away. I took a seat in the lobby waiting over 15mins for him to return with the information. Upon returning without the information he asked if I ran " 1 of those home health care businesses '' I replied no and asked for the information again. He did not provide the information and stated they can not assist people like me. I have never felt more disrespected, and discriminated against.
<P/>
How can your complaint be satisfactorily addressed?
Have the check and transaction reviewed and accepted as it has in the past. The entire branch staff needs training on discrimination and check deposit policies.

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 2021-12-31
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just try send simple cashiers check to my house to pay a vendor for some thing and they lock my account and all my funds in my checking account I need pay bills and groceries they cant just lock me out they say they contacting fraud department to let them know my cashier check was me and verified but still no response Im having XXXX XXXX they shouldnt be able legally lock my funds like this indefinitely during holidays

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A charge of XXXX from XXXX XXXX # XXXX Was found on my debit checking account I have not made a purchase through XXXX XXXX 
My name is XXXX XXXX XXXX My checking account number isXXXX I have been trying to contact the Fraud departments I have been placed on hold over 1 hour I have locked my debit 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 2016-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My employer is listed as the employment date is wrong. I started working @ XXXX in XXXX XXXX, not XXXX, as listed.

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 2017-02-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I hav previously disputed with Experian about my identity theft and I do not seem to go anywhere with them because they continue to verify those accounts and keep them on my credit report. I am sick and tired of this. I want those items remove immediately or I will seek legal remedy. This is the last chance I am providing Experian for them to do good on this ID theft which is very detrimental to my credit report. This is affecting me personal since I am looking to get an insurance office but those items that appear on my credit report which are all ID theft are hurting my chances. Experian you need to act now or I will see you in court!!!

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 2016-12-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reporting XXXX collection accounts on my credit report. I have contacted the company requesting the production of documentation that I signed binding me to the XXXX debt. They can not produce any such documentation. The XXXX alleged account are causing harm to me. I believe my medical information has been released with out my consent. On the billing statements it lists dr ' s office, type of dr , and what services were preformed. I do n't want that information out there. And they re age the accounts. The account numbers on the statement do not reflect those on 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 2020-06-20
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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: Problem with personal statement of dispute

Complaint:
To whom it may concern I've opened an account with XXXX XXXX in XX/XX/XXXX and been late twice due to major XXXX in XX/XX/XXXX which took 3 months to heal and has not been late ever since. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a PennFed FCU Bank in XX/XX/XXXX and missed XX/XX/XXXX payment due to Major XXXX, Since then My account have been paid on time. I have sent PennFed a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX store card in XX/XX/XXXX and missed one payment in XX/XX/XXXX due to job layoff however, since then, my account have been in good standing. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX XXXX XXXX XXXX XXXX account in XX/XX/XXXX and never missed a payment, However my report is showing the payment was missed in XX/XX/XXXX, I have called many times and also sent letters to rectify this matter and its been 3 years later and the missed payment is still being reported.

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 2017-05-18
Company: EQUIFAX, INC.
State: TN
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:
Myself and wife had  XXXX  Federal Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX / 17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county. We  disputed with Equifax the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results. Equifax used a third party vendor for their information,  XXXX . Equifax is ignoring our  Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens a re to be deleted we find this conduct very irregular.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: LEXISNEXIS
State: TN
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:
Myself and wife had  XXXX   Federal  Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX /   17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county.  We disputed with  XXXX  the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results.  XXXX  used a third party vendor for their information, LexisNexis.  XXXX  is ignoring  our Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens are t o be deleted we find this conduct very irregular.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a condo and less than  one  and a half years later  my 30-year FIX ED rate mortgage payment has increased {$370.00} a mon th ( or 14 % ) due to erro rs. The dispute and follow up has been ongoing since  XXXX  and my fourth increase in just  five  months is set to occur in  XXXX .     Each time I have noted an error and voiced a concern, I receive an acknowledgement an error occurred and my account will be fixed / credited, and then my mortgage payments INCREASE.     All errors made with my escrow account ( that I know of to date ) have now been credited but my mortgage payment remains at the exasperated amount.     I have discontinued auto-payments and will send the original amount that I 'm meant to pay, as these errors should not result in a significant financial hardship for me and my family.   
Please see attached for the letter I most recently sent Ocwen and all the support I provide as well - and cross referenced for ease of use - for them to fix the error. Happy to provide evidence of my attempts to resolve as well as the inaccurate letters and statements I received from Ocwen thus fa  r.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: GA
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:
n accordance with the Fair Credit Reporting actXXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXXXXXX 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: ABR Recovery Services LLC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notification from ABR Recovery Services in   XXXX   2017. They stated that I owed them {$1300.00} for a debt owed to   XXXX   XXXX  .
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I immediately disputed this account on  XXXX   XXXX , 2017 through email. I stated the reason for the dispute is that this company was the 5th company trying to collect on this debt, in which I had already made a payment with another agency and had a future payment plan.
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I received notification that the email was delivered on   XXXX    XXXX , 2017, but ABR Recovery Services failed to respond to my dispute. At the time I had an agreement with   XXXX   XXXX   whom was working on behalf of   XXXX   XXXX  .
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I received a call from ABR Recovery Services on   XXXX    XXXX , 2017. They were continuing to try and collect on this debt. I stated to them that I disputed this in   XXXX   and had no response from them. They proceeded to pass me along to an " account manager. '' The man stated that he owned the debt and would delete the debt off my credit report and offered me a 20 percent discount. I stated I was making my final payment to   XXXX   XXXX  . I made the final payment to   XXXX   XXXX   and have settled the account.
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On   XXXX    XXXX , 2017 I received alerts from   XXXX   XXXX    indicating a new collection account. ABR Recovery reported this debt to   XXXX   XXXX   and  XXXX  credit agencies. I instantly disputed the disputed this with  XXXX  Bureaus.
<P/>
ABR Recovery continues to submit false information to the credit bureaus and this is affecting my credit and making it impossible to achieve good rates and difficulty obtaining loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is an account listed from XXXX XXXX XXXX which has an inaccurate late payment remark, all my accounts have always been paid as agreed. Please correct this issue ASAP and see attached

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 2016-11-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was recently alerted by a credit reporting agency regarding a Judgement Placed on My Credit Report. XXXX XXXX XXXX Placed a NEGATIVE REPORT stating a Delinquency Regarding XXXX from 2001. 
I have NEVER been Contacted by this company by phone or mail regarding this account. 
This may NOT EVEN BE MINE. Not sure what it is, who it belongs to, just that it was Placed on my Credit Report Causing my Credit Score to Drop XXXX points!!!!! 
I sent an email to the company Never received a Response. 
A DEBT from 2001!!!! is n't their a statue of Limitations? But to also attach something like this on someones credit report without any correspondence? 

It Certainly pays to Monitor your Credit Score on a regular basis.

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 2017-05-18
Company: Harris & Harris, Ltd.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My  XXXX   XXXX  was sent to  Harris & Harris   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , IL  XXXX . I have turned my  XXXX  services back on in my name with the  XXXX  that I owe on my bill. I have given them a total of  XXXX   XXXX / XXXX / 17  confirmation number for the  XXXX  payment is  XXXX  # confirmation no. For  XXXX  payment is  XXXX  # my balance is  XXXX . That will be worked into my bill monthly with my re acquiring bills. So I want to have this taken off my  XXXX . I 'm working it out between  XXXX  and  XXXX   XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Midwest Recovery Systems
State: CA
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:
I am desperately looking for a rental property for my family because the owner sold our current residence and we have to be completely moved out by  XXXX   XXXX . Before I started sending application for rental properties I decided to print a copy of my Free Annual Credit Report on  XXXX   XXXX ,  XXXX . I was surprise to see that I have an account in "  Collection  Account. {$720.00} past due as of  XXXX   XXXX . '' I ca n't have this on my credit report! Every Renta l Property Management and Own  er  of a rental properties pulls that report. I called the company and talk to a couple of representatives. I was advice to make a police report and send them a copy. I did that but my family and I still have n't found a place to live. I was told that the account was opened thru the internet as a loan and the money was deposited directly to my account on  XXXX   XXXX ,  XXXX  with my old address that was foreclosed on  XXXX   XXXX ,  XXXX . I guess, I was not able to pick-up all my personal information. One more thing, I filed chapter  XXXX  that was discharged  XXXX   XXXX . How come this account did not show up when I filed for bankruptcy. The company said that they are going to look into it and that they will call me in a couple of weeks. I really need that account to be deleted. Can someone help me?

Company response to consumer: Closed with explanation