BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In early XXXX I went to the company 's website to pay my credit card balance in full. The company 's website gave me a balance and I proceeded to pay online - using THEIR online payment method - to pay the amount THEY gave me. Nothing noted on the website to CALL them for a balance to pay off. In retrospect, calling their XXXX # was a joke and took way too much time to talk to a human. After paying a nearly $ XXXX balance they charged me {$43.00} in interest and said it's 'valid ' upon numerous calls to them. One representative told me it's a 'daily interest charge ' yet they can't display that on their website to tell consumers this. She also indicated while it's daily we only give you the balance monthly. How can anyone pay off their balance in full online when this is the case - especially with NO DISCLOSURES. I have since shredded my card and the account is closed yet they are admit I owe them {$43.00}. Front line reps were rude and one of the two supervisors proceeded to hang up on me. I understand that the charges were potentially 'incurring ' from the prior month but they need to clearly disclose this on their website when someone is making an account payoff in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: VA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX XXXX Owed : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked for HomePoint Financial, the company who services my mortgage for the investor XXXX XXXX, to request for a primary occupancy waiver requirement because I have moved to a full time telecommute position that requires a dedicated office space separate from the rest of my living areas. Because of this requirement, I was looking to move into a larger home as my current home does not have a space for this. 

The first request was sent at the end of XXXX and it is 5 months later with still no reply. At this point, the waiver isn't really needed because the occupancy requirement ends after 1 year on XX/XX/XXXX but I still would like to receive a response. I have been asked to provide additional info several times. There have been times where I provided the additional info and they say it hasn't been communicated to the investor after weeks of waiting. This process has been drawn out forever and noone follows up when asked. I just got asked again for the additional info I previously sent, I resent it, and now just received another canned, automated reply saying additional information is needed. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Hillcrest Davidson & Associates
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2017, I entered into a contract with XXXX for security services at XXXX XXXX XXXX XXXX, XXXX XXXX, WV XXXX, a family farm that was being sold. The contract and installation were executed by XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX. 

Mr. XXXX clearly represented that the 3 year XXXX contract could be transferred/ assumed by a new homeowner with my equipment and the transfer would be " smooth as silk, '' waiving my responsibility on the 3 year contract. The new homeowner executed his contract using my equipment in XX/XX/2017. He continues with the contract. 

Afterwards, I was called by some subsidiary of XXXX claiming that I had an account balance. All contacts that I made indicated the account was closed with a XXXX  balance. I explained that I must be on a robocall list and to please take me off. 

Recently I have been contacted by Hillcrest, Davidson and Assoc. to collect a delinquent XXXX  account. I again made calls to known XXXX contact numbers, including Defenders, out of XXXX, and was told there was a XXXX  balance. 

Calls have continued from H.D. and Assoc. Only last Friday did I learn from Defenders of XXXX that they are the entity that has turned over the 3 year balance on the XXXX contract to H.D. and Assoc. 

The amount is {$1900.00} plus collection expenses. Defenders tells me they are not obligated to honor the inducements by the installer even though the contract obligations are being covered by the new homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I hope this message finds you well. My name is XXXX, and I am writing to address a distressing incident that occurred on XX/XX/2023, involving my Wells Fargo account. 

On that date, an unauthorized transaction amounting to nearly {$25000.00} was processed from my account. What deeply concerns me is that I received a call from Wells Fargo, during which I was purportedly authenticated to authorize the transaction. However, I want to firmly state that I did not provide any such authorization, nor did I initiate the transaction in question. 

Subsequently, I promptly reported the fraudulent activity to your customer support, expecting a thorough investigation into the matter. Regrettably, I was informed that the case has been closed after an investigation, with no change in the decision and a lack of adequate proof to support their findings. I have repeatedly requested evidence from Wells Fargo to demonstrate that they did not commit the fraud, but my appeals have been met with refusal to provide such documentation. 

To further substantiate my claim, I can present evidence showing that the call originated from Wells Fargo 's official phone number and authentication system. Given this information, it is only natural for me to believe that I fell victim to a scam orchestrated within Wells Fargo 's own systems. 

As a loyal customer, I have placed my trust in Wells Fargo for many years, and this unfortunate incident has left me feeling devastated. I firmly believe that the responsibility lies with Wells Fargo to ensure the security and integrity of their customers ' accounts. Therefore, I earnestly request that you review my case once more, with a genuine commitment to resolving this matter and restoring the funds that were taken from me without authorization. 

I implore you to conduct a comprehensive investigation, reevaluate the evidence, and take the necessary steps to return the funds to my account unless clear evidence emerges to prove my involvement in the unauthorized transaction. Additionally, I kindly ask for timely updates and open communication during the course of this review. 

I hope for a swift resolution to this distressing situation so that I may regain trust in the institution I once held in high regard. I trust that Wells Fargo will act diligently and responsibly in addressing this matter. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and a satisfactory resolution. 

Sincerely, 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 2022-11-15
Company: GOLDMAN SACHS BANK USA
State: TX
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:
On XX/XX/2022 I have booked a hotel stay at XXXX XXXX in XXXX XXXX TX. 

I used my Apple Card to book it and the day before I checked in at XXXX XXXX, I got charged amounting {$190.00} from a hotel I dont recognized named XXXX  XXXX. I didnt disputed this anyway thinking this could be XXXX XXXX XXXX name. The next day when I check in at the XXXX XXXX I got finally charged for my stay, the merchant name that shows on my Apple Card is XXXX XXXX which is now correct. So, since the first charge is odd for me because the price is not right and I dont recall booking for this XXXX XXXX  I asked the receptionist if she recognized this charge and the merchant. She told me no and the only charge that she processed was the one named XXXX XXXX because thats where we check in. 

So since the receptionist doesnt recognized this charge and so do I. I disputed this to Apple Card Goldman Sachs because why would I pay for something I didnt purchase. Who knows if someone got my card information and book it. Anyway the first investigation result came up and based on the email/mail I got it tells me it is a valid charge and I had to pay for it and no other explanation. So since I am getting annoyed because they want me to pay something I didnt order I asked to reopened the dispute and have them investigate it one more time because its not me who made the purchase to XXXX XXXX. So they investigated again and based on their investigation and the packet they sent to me, it shows that the XXXX XXXX and XXXX XXXX I check in with is the same company and the charge I got from XXXX XXXX is part of XXXX XXXX. So I was like ok fine. They shouldve just told me that in the beginning so I know what is going on and Im not wondering how the heck I got charge for something I do not purchase. Moving onto that messed I paid everything on my account. I never missed payment and my payment history with Apple Card XXXX Goldman Sachs is perfect because I dont carry balance or pay late. 

I tried to reach out apple card and see if they can resolve this issue but I just want to report this just incase they dont end up fixing it or tells me it was my fault where it was truly their fault for not telling me everything on my first dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: Aurora Enterprises, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX my number is XXXX I am contacting you because i feel as though i am being illegally pursued for a debt i do not owe. The debt is with aurora bureau of collections and it is for XXXX XXXX XXXX XXXX i just went to court on XXXX and told them i disputed the charges but i didnt have the money for the filing fee XXXX. So he told me the judge would enter a default judgement against me to give me to time to file me response not even two day later i have a letter from aurora bureau collections lieing and stating judgment was entered against me and they demanded payment i kept the letter and took it to court and filed the filing fee and copy of them demanding payment before the judge had even ruled!!!! Then they complaint say there were 7 holes in the wall not while i lived there the church wouldnt of given me the money to move to XXXX XXXX XXXX XXXX XXXX XXXX colorado XXXX if they would slof saw wholes in the wall!!!! Then XXXX XXXX gave me a week to move i moved and got the money from the church in 4 days!!!! So why is she trying to sue me 4 years later and put it on my credit when i did what she asked and i suspect identity theft and fraud because there were no 7 wholes left in the wall when i moved into my new home so that makes me wonder who did she allow to live there under my name after she kicked me out and i was already in new home to obtain 7 wholes in the wall??? I have all my court papers. Please call me back at XXXX something is not right and it dont add up. And i dont think they followed the necessary legal steps to collect and pursue for this debt. Please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
As I own an account with Paypal and his email address is XXXX Paypal requested documents proving my activity, which is selling health and beauty products - and I submitted these documents, which are 100 % correct invoices, but I was surprised that they seized my money, which amounted to {$6200.00}. 
Unjustly, they didn't even send me one message to inform me of the reason for withdrawing the money. And that was in XXXX They will claim that I violated the usage agreement, but my documents related to my products are all in order, and I have settled all disputes with buyers amicably. Except in some cases, I was surprised that Paypal closed the dispute on his part and returned the money to the buyer and then comes to take compensation for that even though he did not investigate this It confirms the validity of the buyer 's claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: GA
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:
I have reached out to XXXX XXXX ( creditor ) a number of times as well as the 3 major credit bureaus about a balance that is being reported. The account in question is being serviced by an outside collection agency, but XXXX XXXX  is reporting balance on my credit report. I am being advised by all 3 major credit bureaus that XXXX XXXX is not reporting that my account is with an outside collection agency. This account has been with an outside collection agency for several years. I have called the creditor and credit reporting agencies to no avail. Account is charged off as bad-debt but not reporting or showing as transferred or sold to collections. Please help me with this issue.

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 2023-06-26
Company: WELLS FARGO & COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is going on in a large scale. I was told by the operator over the phone. 
You change credit card numbers to avoid recurring charges from something you keep getting charged that you bought once. Well every time The bank gives me a new Credit card number VISA updates the merchant that you do not want the charges from with the new Visa credit card number issued. 

Because it is a recurring charge VISA updates the merchant. The idea a of getting a new number is to avoid recurring charges of nothing you do not want. VISA SHOULD NOT BE BE GIVING MY NEW ACCOUNT NUMBER PERIOD. 

Also I got stuck with the bill from the bank. THIS practice is Fraud and VISA needs to stop. The new number was for me to update who I want to pay. VISA has taken the liberty to do that for me. That is Stealing. 

This is going on in a large scale. 

Thanks 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 2023-04-20
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On the XXXX of XX/XX/2023, I had {$50.00} in my cashapp account which i then tried to transfer to my bank account. The app seemed to have glitched a couple of times and not cash my money out but once it did and i checked my account, cashapp had charged me twice for the amount of {$49.00} and only deposited it once. So I just lost {$98.00} when i shouldve gained {$49.00}. Both the bank and cashapp said that they didnt see the charges on their end despite my providing screenshots of the money leaving my account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: AZ
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:
The FCRA clearly stipulates that credit bureaus must take reasonable measures to ensure the accuracy of the information they report. This includes the responsibility to investigate and verify the legitimacy of accounts when a consumer disputes their accuracy. To my astonishment, I have submitted multiple disputes to the credit bureaus regarding the accounts in question, providing all relevant evidence and documentation to support my claims. However, instead of conducting a thorough investigation and validation process, the credit bureaus have consistently responded by merely verifying the information with the original creditors without proper validation procedures. 

This failure to validate the disputed accounts has resulted in serious consequences for me, including a significant drop in my XXXX XXXX and the denial of credit applications. I firmly believe that the inaccuracies on my credit report are unjustly tarnishing my creditworthiness and causing undue financial hardship 1st Notice Presentment by Certified Mail : Presentment by Affidavit of Status for Consumer Private Right of Action ; Notice and Preemption Claim. Sent XX/XX/2023 2nd Notice Presentment by Certified Mail : Notice to Cure. Sent XX/XX/2023 3rd Notice Presentment by Certified Mail : Notice of Default Judgement and Commercial Dishonor. Sent XX/XX/2023 2023

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 2023-07-25
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter today XX/XX/XXXX at my new address from my old address, the letter was from Bank of America stating I have a new account that was opened on XX/XX/XXXX. I have contacted BOA by phone for the branches are closed at this time ( after XXXX ). A rep did assist by temporarily freezing the account. the account was opened on XX/XX/XXXX. The letter states it is a XXXX XXXX account. No money deposited as far as I can tell by the letter. 

I need to know how they were able to open the account under my old name and old address with my credit report locked.

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 2023-07-25
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account ASAP XXXX XXXX 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