BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Chase has not processed my recent fraud claim accurately, and has failed to incorporate my own statements to them. This is a violation of the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Advance America, Cash Advance Centers, Inc.
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX today i was contacted from a someone who serves document for suing and being taken to court. i was given a phone number and a case number from this individual over the phone. 
i had called the phone number given at XXXX XXXX. 
i had proceeded to contact this company and listen to what they had to say. i had explained to them that this debt is not a valid debt as i have been in contact with company i had gotten the loan from. after about 3-5 minutes of explaining. she had put me on hold and talked to her supervisor and told me that this is valid. she said that i would have to look at the documents to get the information from. i was told that someone had stopped by yesterday XX/XX/XXXX and there was no answer from the door and that someone will be out again today XX/XX/XXXX. she couldn't tell me the amount that was supposedly owed. as i had gotten the name of the company and i had talked to them months before and now they are changing there tactics. i had asked for them to please stop calling and that i will be blocking this phone number. this time was a different phone number not a robo caller but i did get a live person and i haven't in the past they had answered right away i had tried multiple times in the past for them to call the loan company and i was told this is not my job from a/the supervisor. 
XXXX i had called the original company where this was all started. I had talked to someone in the front office as they called it. i had talked to them for about 10 minutes at this point. she had transfered me to the back office i had talked to another individual. she pulled up my account and had confirmed as well that this debt is not a valid debt. she is sending me a screen shot of the debt not being owed and that it is no longer valid along with the collections agencies that have been reporting to them. she had also told me that this was done back in the year XX/XX/XXXX from a washington location. i am still waiting for the this to be emailed to me at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Social Finance, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I closed on on a cash out mortgage refinance through SoFi to lock in a lower mortgage rate as well as consolidate a SoFi personal loan. The refiance was funded and cash was sent to pay off my old mortgage fairly quickly ( by XX/XX/XXXX ) but my SoFi personal loan has not been funded yet. My understanding was that funding should occur fiarly quickly after a 3 day waiting period after closing. I also understand that the longer my personal loan is not funded, the longer I am being charged interest on two loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Early last year I was charged over {$700.00} worth of multiple {$34.00} overdraft fees. I had explained to representatives multiple times that they just decline my card if I didnt have the funds. Every time I called they stated that would happen. Instead they allowed transactions to be approved stating they had no control over recurring payments etc. and charged me fees every time they approved. I contacted them several times and they refused to refund, eventually closing my account and sent me to debt collector who call me daily to pay a balance that they claim I owe. Which is all just Wells Fargo Overdraft Fees.

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 2021-07-09
Company: Experian Information Solutions Inc.
State: MD
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:
Between the Department of Education and XXXX my loans were sent to XXXX my student loans are at a XXXX balance with XXXX on my credit report. 
My score went from fair XXXX to XXXX poor over night 41 got XXXX points when I have a XXXX  balance from {$31000.00} worth of student loan debt. 

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP? 

XXXX IS GOING ON ... ..

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 2022-04-14
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They lied and said they did not know where the car is but repoe the car after I gave them XXXX rollers down payment credit acceptance corp and XXXX XXXX XXXX XXXX I got a letter 9 months after the fact they had the car then tried to impersonate me trying to have me pay XXXX for a car in the body shop that wasnt mine they said it did not go straight there the dealer said they were trying to make a quick Buck out of me when I brought up a lawer credit acceptance corp and 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 2023-07-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I just received a check from california rent relief program. The check is drawn on wells fargo which I possess an account as joint account holder. Both myself and joint account holder traveled to local wells fargo branch both Thursday XX/XX/XXXX and Friday XX/XX/XXXX. On first day the bank actually deposited check several times while there at bank and placed their stamping marks upon it after having me execute my signature on reverse side. Initially they claimed they could not accept check because unable to reach program for verification. However we successfully reached program who then spoke with bank and verified everything. Then bank tells us that they will not accept check because they deem it too high risk. We traveled to several nearby branches locally whereby we were advised that they were notified by original branch and they would not allow depositing of check.

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 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a joint mortgage through Bank of America with my spouse. In XXXX  we divorced and I assumed the mortgage. Bank of America revoked online banking for the mortgage account and refused to provide online banking for the assumed mortgage account, stating they can't provide online banking access for assumed mortgages. In XX/XX/2022, XXXX XXXX ( XXXX XXXX  ) erroneously took over $ XXXX from the mortgage escrow for an policy that was cancelled. In XX/XX/2022 XXXX took over $ XXXX out of escrow for the current policy. In doing so, they created an escrow shortage. My monthly mortgage payment went up more that $ XXXX ALL of which now goes to interest only. I was unaware of any of this until late XX/XX/2022 when I received my annual escrow analysis. I am still fighting XXXX for a refund of the money Bank of America allowed them to steal from my account. Bank of America should not have allowed an error or theft of this magnitude to occur. I should not be punished for Bank of America 's negligence by having to pay additional interest. Mortgage companies should be required to provide online banking ( real time access ) to all mortgage accounts.

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 2021-07-12
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: Was not notified of investigation status or results

Complaint:
I sent out Dispute Letters to Experian, XXXX, And XXXX  for inaccurate information on my Credit Report on XX/XX/XXXX. I did not receive a reply back from Experian and XXXX. I then sent out a second round of Dispute Letters to On XX/XX/XXXX to again dispute the inaccurate information still being reported on my report and still have not received an response from Experian or XXXX. This has been well over the allotted time for an investigation. Please Advise.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 2022-10-14
Company: EQUIFAX, INC.
State: NC
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 have sent my dispute letters to Credit Bureau numerous times and Credit Bureau is refusing to investigate into existing problem. I have pulled my report from all three credit Bureau in order to COMPARE my reports and I found numerous incorrect information and DIFFERENT information on each Bureau ; I can tell they didn't even try to verify information from my dispute letters. I have also obtained my report from three different sources who provide credit report, so I can proof now, they my rights as a consumer were violated. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I'm exploding my rights and I'm filing complaint to Attorney General as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TekCollect Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Your debt validation is confusing, some text is unreadable and my name is also misspelled. You might be mistaking for someone else, My last name is XXXX not XXXX not shows that my name is XXXX and just who is that? I need more precise information so please send me something that specifically shows each and every piece of information requested on my debt validation request. If you can not provide me complete and clear information please remove it. That is not a validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: MD
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 want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to delete/block the items listed on an id theft report. Please find the required documents to assist in the blocking/removing of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A drop in my credit suddenly appeared on three credit reports, XXXX, XXXX, TransUnion showing a delinquent charge on an account that does not belong to me was. It was placed on my credit report wrongfully. I discovered this through an invoice being sent to me with a bill for XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX I do not have a XXXX  XXXX XXXX account. The purchases on the fraudalen card were made in New Jersey. I live in California. I am now aware that my identity was stolen apparently with the intention of opening up a credit card at the XXXX XXXX  XXXX using my name. It may have been stolen to be used for even more nefarious ways. I do not know how these people or person obtained my SS number or address. This has impacted my credit significantly in a very negative way. I have reported this to the XXXX XXXX XXXXXXXX, law enforcement, SS XXXX. and the local police. I have reported it to each credit agency, and my own bank, XXXX. I hope you can help me fix this problem and have my true credit restored.

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 2021-07-09
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX on Banco Popular i have the balance to cover 3 ach transactions from XXXX on XX/XX/XXXX, the bank processed the transaction late causing my account to get over the balance. The bank charged {$15.00} for over the limit. Having the balance the bank used the funds to cover a XXXX XXXX XXXX transaction on the same day. 
The bank dont send the required by law statements. And dont pay the transaction returning the payment and thefting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2021 I had went into my bank account with XXXX where I had been banking and out of now here I was locked out of my account. When I called they told me that they can close it whenever they want and there was fraud activity on the account which didn't make sense because I was fine with my account. I want my checking and saving account with them again because I was becoming better at it with them and now they are saying I can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-09
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was sued by XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX, XXXX for a credit card debt incurred and signed for in XXXX, NC which was my residence between XXXX - XXXX. The lawsuit happened in XXXX and was served to an address in XXXX, NY that I or no relative of mine lived at anymore and I lost the judgement I was unaware existed until my XXXX XXXX ( XXXX XXXX  at the time ) account was seized in Florida where I then lived behind the lost judgment. I tried to resolve with the firm at the time and they were demanding more money and unwilling to settle with the funds they had already taken through the New York judgement. I walked away from the account and moved on. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a class action lawsuit that happened between XXXX against them for the sewer service situation that I should of been a part of and was not. They settled for XXXX XXXX and that information was likely sent to that address in NY also. The lost Judgement against me is still active in XXXX, NY and I need it vacated since it clearly says on the judgment the server taped the subpoena to the door of an address I hadn't lived at for 7 or 8 years and was not where the debt even occurred that I was being served for. The lawyer was aware at the time NC was a state I could not be sued in. 

In XXXX the case was transferred to XXXX XXXX Fl where XXXX XXXX XXXX XXXX took me to court and I was granted an exemption and told to resolve the case in NY so no other law firm would try to collect again. Since then the debt has moved to XXXX XXXX XXXX. I was told at that time about the judgments being vacated but now I am finding out it not and is still active in NY and Florida and simply had an exemption on it now.

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 2023-07-08
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I had a checkings account in Chase Bank and I have over {$1100.00} in this account. I tried entering my account and it says " It looks like you don't have any accounts to show ''. I can't find any information on how to solve this problem. I live abroad, I live in XXXX and I can't go to a branch to try and solve this. 

Please help. 

Thank you.

Company response to consumer: Closed with explanation