BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed a complaint about this issue before, and it is still unresolved. ( See CFPB Complaint XXXX ). I have been attempting to deal with this issue for 7 months. XX/XX/2020 we submitted a request for PMI removal. Eventually, NewRez responded and sent a local Broker to perform a Broker Price Opinion to establish current market value for our property. The Broker did not provide an accurate valuation of our property, as he compared our 5 bedroom +Office, 5,262 square foot home on nearly 2 acres of land with homes which were 3-4 bedrooms, 4,000 square feet on lots in most cases less than an acre in size. He listed our home as having 4 bedrooms, 2.1 bathrooms, 3080 square feet. Clearly, this was inaccurate. Despite NewRez requesting him to update information when presented with this, the Broker did very little. I am currently involved in a formal complaint against him with the Tennessee XXXX XXXX XXXX. However, despite hundreds of pages of documentation supporting our claim that the BPO was inaccurate, NewRez will not refund us the BPO fee, nor have they responded to any request we have made to pay for a full appraisal of the property. I emailed them again XX/XX/XXXX requesting this be performed. I received no response. I emailed them again today demanding someone contact me about this matter, or else I will be taking legal action against them. I have hundreds of pages of documentation about this issue, which detail how the Broker undervalued our home. I disputed the issue as requested by NewRez and provided them 6 additional comparable properties. They sat on it and never did a thing. At this point, I am at the end of my rope, and am out of patience. I feel them to be negligent in their duties as servicer of my loan. I am attaching copies of all documentation relating to this issue. This is the 7th CFPB complaint I have been forced to file against this company. They do not respond to phone calls or email communication apparently, unless it is about a CFPB compplaint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Wells Fargo Home Mortgage was notified over 10 years ago that, both our home and mortgage were at risk given the inappropriate relationship between our community developer and XXXX XXXX XXXX. Consequently Wells Fargo sold our loan but continued to administer our loan until XXXX. After numerous interactions with Wells Fargo team members we were instructed to stop making mortgage payments, so Wells Fargo could take possession of our property that had a fair market value in excess of outstanding loans provided by Wells Fargo. This process was handled by XXXX XXXX<Wells Fargo Manager> in XX/XX/XXXX. Throughout this 10 plus year process we were led to believe that our credit reporting and financial losses would be corrected, given repeated errors by Wells Fargo. In XX/XX/XXXX, XXXX XXXX was making progress toward addressing our collective matters. Without explanation she was removed from our situation, Repeated request to the Wells Fargo Board of Directors were answered, no action resulted. With the most recent change at the CEO level, further requests have not received a reply.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 4TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, There was two transacion y my chase account that was not authorized for me who ever use my account they was able to login to my account added a external account number in my name that was not my account and meke two transacion XX/XX/2021- {$50.00} XX/XX/2021 {$680.00} i called the bank to advided them that i didnt do this transaction after a week waiting for the resoluciton they send a letter that i did that transasion and they will take the money back from my account. I dont know how they did thier investigation never called me to get more information and they just want to closed the case.. and i really want furhter investigation in this becasue some one login to my account and did the transfer the money and now chande dont want to help more.. please need help. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XXXX a debt validation letter was sent to IC SYSYEM for three alleged debts for XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX F/K/A XXXX XXXX XXXX : XXXX, XXXX XXXX F/K/A XXXX XXXX XXXX. A CREDIT REPORTING REMOVAL letter was received XX/XX/XXXX stating that " they were unable to verify the information reported and have requested that any information provided to the credit reporting agencies regarding this account XXXX be deleted or removed ''. On two of three CREDIT REPORTING REMOVAL Documents that were sent one had my name spelled incorrectly as XXXX XXXX instead of XXXX XXXX that they appears on the other two documents. Shortly after receiving these documents IC SYSTEM was contacted at XXXX. I spoke to a agent who identified himself as XXXX or XXXX, who I then explained that document were received from your company stating a debt was to be removed, but my name was spelled incorrect. The agent puts me on hold to speak to his supervisor, and then comes back on the line, states that they will not send a corrected letter and then proceeds to try to collect on the debt in question of XXXX that in there own letter was admitted that they could not verify the debt. A argument erupts on the phone between myself and the agent, because of his refusal to correct the document that his company sent to me. Also to be noted the agent admitted that the document was a grammatical error, but refused to send a updated corrected version to me. The phone call ended after a few minutes of argumentative conversation with the agent saying I would receive a letter from them after I informed them that I would seek legal counsel if the matter is not corrected. Shortly after this XXXX, XXXX, XXXX  were contacted to obtain procedure for complaint against IC SYSTEM. Shortly after this CFPB was contacted to get directive on how to file a complaint.

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 2023-08-22
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-11-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been a loyal Chase customer for over XXXX years, but recent events have severely shaken my trust in this institution. My ordeal began when my XXXX XXXX XXXX XXXX was stolen, resulting in unauthorized individuals accessing my XXXX account and, consequently, my Chase bank account. Between XXXX XXXX  on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX, these perpetrators made XXXX transactions totaling {$2500.00} from my account. 

Immediately upon discovering the theft, I notified both XXXX and my local Chase bank office, initiating the process to secure my accounts and gather evidence. The local Chase office has been instrumental in submitting several rounds of evidence confirming that my phone was stolen and the transactions were unauthorized. 

Despite these efforts, the situation took a frustrating turn during a conversation with a Chase representative named XXXX. He indicated, before any substantive discussion, that the management team had already decided my fraud claim would not proceed. He based this on an alleged XXXX XXXX  authentication from an XXXX XXXX, a device I have never owned, at a time after my phone was stolen. 

I've also reached out to XXXX to obtain a detailed log of login activity, which should further prove the unauthorized access. Yet, Chase has shown a lack of willingness to consider this new information. To my dismay, the Chase representative was dismissive, insinuating that I was attempting to commit fraud, and refused to recalibrate his thinking or acknowledge the clear evidence of theft and unauthorized use of my account. 

Moreover, Chase has not taken steps to investigate the recipient bank accounts involved in the unauthorized transactions, even though this information has been provided to them. This refusal to investigate not only the circumstances but also the destinations of the fraudulent transactions is bewildering. It suggests a disinterest in pursuing a thorough and fair investigation. 

This experience has left me feeling betrayed and unfairly treated by a bank that I had trusted with my finances for nearly XXXX decades. The lack of due diligence and the premature conclusions drawn by the management team, as communicated by Chase, are unacceptable. It's clear to me that Chase 's handling of this situation falls far short of the standard of customer care and protection that any bank should uphold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX I attempted to change auto insurance providers and was informed that I was going to be charged extra every month because LexisNexis Consumer Report is reporting that I have a comprehensive insurance claim on my report from XXXX. I reached out to my insurance company from XXXX XXXX XXXX who confirmed with me that I had no insurance claim against me during the timeframe. I have attempted to get me consumer report from LexisNexis, which failed, I have submitted questions to LexisNexis online, which failed. I have called LexisNexis and discovered that there is no way to speak to a company representative unless you select an the option to become a business partner with LexisNexis. As soon as the representative determines that you are not trying to form a partnership with LexisNexis, you are transferred to the on hold queue and nobody ever answers the phone. This incorrect consumer report is costing me money every month and there is no way for me to get the data updated. LexisNexis appears to be a government sponsored scam. 

LexisNexis XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a new issue as of XXXX but there is more to it than just a late direct deposit. PNC bank is not giving any information about my ACH deposit not being available today. I have other LOCAL banks and the deposits are there and available but my PNC account deposit is not credited. When I called the bank 3 times after they opened at XXXX XXXX XXXX they keep indicating that there isnt an issue but I work for a large company and other PNC customers and other large banks have no deposits posting. This is an issue that needs to be looked into immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Early Warning Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Closed accounts with XXXX  XXXX XXXX on XX/XX/2013. The accounts are more than 7 years old. XXXX is reporting incorrect closing date, phone number and address to Early Warning Services. I've called XXXX customer service on several occasions in attempt to correct the information but it has yet to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: IN
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 am submitting this complaint concerning the fraudulent information being reported on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was on XX/XX/XXXX, accompanied by complete attachments of my personal information. I am a victim of identity theft and have duly reported the theft to the FTC. The disputed items have no connection to any transactions I have authorized or benefited from as a result of the identity theft. As per Section 605b of the FCRA, it is the obligation of the Credit Reporting Agencies to remove any accounts and information listed on an ID Theft Report. According to Section 605B ( a ) of the FCRA, the CREDIT REPORTING AGENCIES are mandated to promptly block any information in the consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt. The items listed below are direct consequences of the identity theft, and thus, I am requesting the Credit Bureaus to adhere to the law and remove them from my Credit File : 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 XX/XX/XXXX. As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-14
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: Account information incorrect

Complaint:
I have been trying to resolve this issue with XXXX XXXX  for a long time and I would like to take legal action because it feels as if they are intentionally messing with me. Here are 2 complaint IDs from your company pertaining to this matter. Currently on my credit report it shows that I was delinquent on a payment XX/XX/22. 
XXXX complaint against XXXX XXXX against 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 2023-05-09
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
not getting investigation in 30 days, this is my third attempt address this issues with my credit report.

I have proof of all 3 prior disputes.

disputes include 2 closed account still reporting capital one is a authorized user I am on account.

( FCRA ) 15 USC 1681i ( 5 ) illegal to report late payments and permissible purpose ( FCRA ) 15 U.S Code 1666b despite closed accounts are still reporting all 3 main bureaus are reporting different information reporting dates, late activity dates, closed dats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 another endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/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 non-monetary relief