BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: Caliber Home Loans, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, Caliber issued Check No. XXXX in the amount of XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX cents ( {$48000.00} ). This check was sent to the wrong address. The amount of this check was withdrawn from the mortgage holders restricted escrow account. 
Upon learning that the check had been issued to the incorrect address, the mortgage holder made attempts to secure the check without success. Having no success, the mortgage holder then made contact with the appropriate loss draft department and requested a stop payment to be placed on the check and a new check to be issued and sent to the correct address. 
Several weeks went by without any communication from the loss draft department and without receiving a replacement check. The mortgage holder again contacted the loss draft department to inquire into the status of the check that was presumed to be reissued. At that time the mortgage holder was informed that the check was cashed, and no additional action was taken. 
The mortgage holder insisted that an investigation be opened into the check and that a copy of the negotiated instrument be provided for review. This request was delayed for a number of weeks and the mortgage holder later learned that an investigation was not opened. 
Subsequently, a determination was made that the check was fraudulently cashed and an new check was issued to the mortgage holder ; however, the amount of the replacement check was also deducted from the mortgage holders restricted escrow account. 
Notwithstanding the fact that the issues were not resolved, and the funds had not been placed back in the mortgage holders escrow account, the case was closed. 
The mortgage holder was instructed to write a letter to the Caliber Home Loans Fraud department and to await a written response. The mortgage holder sent this letter on XX/XX/XXXX, and it was received on XX/XX/XXXX. The only subsequent communication received from Caliber was a copy of the check that was cashed. No explanation, no updates, no progress. 
As it currently stands, the funds for the fraudulently cashed check have not been credited to the mortgage holders restricted escrow account, the mortgage holder as requested and been denied contact information to caliber home loans corporate office, fraud department, and legal department ; notwithstanding the fact that everyone is saying there is nothing that can be done because the case is currently being handled by these departments. Everyone the mortgage holder has spoken to says they do not have access to contact these departments and no one does. 
It has been nearly 10 months since this check was issued by Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
My name is XXXX XXXX. I am a Wells Fargo customer of 25 Years. On XX/XX/XXXX I applied for a Personal Loan with XXXX for the amount of {$85000.00}. I was going to use this money for Debt Consolidation. I am a XXXX with the XXXX XXXX since XX/XX/XXXX. My current YTD Earnings are {$66000.00}. Unbeknownst to me XXXX had a Loan Amount Restriction that was never mentioned to me prior to my XXXX. It was expressed to me that I had Insufficient Liquid Assets to cover this amount. I specifically asked the Rep why this was never mentioned to me as a Customer/Consumer. His reply was that XXXX DID NOT WANT TO DISCOURAGE people from applying. XXXX countered with a Loan amount of {$40000.00}. REALLY? Well as a Customer of 25 years My Wife and I are not only Discouraged but VERY XXXX XXXX by this UNFAIR LENDING PRACTICES. The FDIC Has rules in place for these types of practices. ( Unfair, Deceptive or Abusive Acts or Practices ) As a result we have decided to close our account and Bank with XXXX XXXX  I am also in Contact with legal representation in regards to this Practice. I'm sure Wells Fargo has done this to many other Customers/Consumers as well. Wells Fargo Underwriters are a JOKE. The least they can do is remove the Credit Inquiry.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 non-monetary relief
Consumer complaint received 2022-11-07
Company: JPMORGAN CHASE & CO.
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:
in XXXX my cards were stolen. my Chase atm card and my capitalone cards. i reported my cards being stolen to teh financial institutions. XXXX did they investigation and found that the charges were indeed fraud so they refunded me and mail me new card. i feel like i was victimized twice chase did the same, refunded me but then again took teh money back stating that a pin was used. The individual that stole my card did 4 different transactions at different banking location and different times, one of the transactions was done at XXXX. the transaction that were done on XX/XX/XXXX i was out to dinner for my birthday which i have proof and faxed all the proof i had to Chase so they can see that it was not me that did those transaction. i also obtain a police report so they can review the cameras at the ATm location to show that it was not me. Chase refuse to view the camera and pay me back. {$720.00} withdrawal was done. Chase told me to take this outside of Chase for results. this is why am contacting you. I went to the branch several times sat with a banker, Chase ; s claim dept will not even try to review and reopen my case. the claim number with chase XXXX here are the transaction dates and times ATM time XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, {$200.00}, {$200.00} XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX please help me to get my hard earning money back. i work at a XXXX  and had to work OT to save this money. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
As of XX/XX/XXXX  there are late payment reports and utilization being reported after I opted out per 15 USC 6802 ( b ) Transunion has failed to acknowledge my requests and continues to violate my rights to privacy and furnish information to their third party affiliates.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Filed A FTC ReportXXXX XXXX  XXXX responded account 's meet FCRA requirements, unfortunately that statement alone will not suffice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Pursuant to 1692g , i am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX + XXXX XXXX  XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 
RE : Method Of Verification ( TransUnion ) METHOD OF VERIFICATION LETTER Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 
Best Regards,

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF XXXX ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

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 2023-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my account without warning or advance notice back in XXXX XXXX XXXX. The account had {$2000.00} withdrawn and I have not seen it since. They mailed out a check in XXXX without informing me which address they were mailing to, this check was subsequently lost and not received. I went into the bank, we filed a lost check request with an update request. Three weeks later, I find out that despite me filing the form and signing it inside the Chase branch itself, Chase has 'not processed ' this form and basically 'forgotten ' to send out my lost check. So we are now bank to square one and we file ANOTHER lost check request with my address ( it is XXXX now ). Fast forward another 14 business days, no check received at my address, no explanation from Chase why. In beginning of XXXX I had to file my THIRD lost check request and notarized it, still have not seen any money from Chase. It has been almost FIVE MONTHS that Chase has not been able to do something as simple as mail me the {$2000.00} they owe me. In this time, I have received mail from other banks. For example, with XXXX by XXXX XXXX, I updated my address, less than a week later they're able to get mail me at my current address ( I have received multiple letters from them ). The fact that Chase can't do the same when they literally owe me thousands of dollars is patently ridiculous, never mind the fact that the reason this account was closed without my consent in the first place was due to continuous misinformation my customer support representatives. I have been inside the branch probably 20+ times about this over the last 5 months, and still no resolution. WORST experience with a bank, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am submitting a formal complaint against Spring Oaks Capital LLC for their collection activities on behalf of XXXX XXXX XXXX. The issue at hand involves their ongoing attempts to collect an alleged debt of {$830.00}. Despite my request for verification of the debt, Spring Oaks Capital LLC has not provided adequate documentation to validate the claimed amount. The lack of transparency concerning the alleged debt, including specific dates, charges, and supporting documentation from XXXX XXXX XXXX, raises significant concerns. The actions taken by Spring Oaks Capital LLC have been persistent, and it is essential to assess whether these actions comply with the Fair Debt Collection Practices Act ( FDCPA ). I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter, seeking resolution through proper verification of the debt, cessation of persistent collection efforts, and the provision of detailed information pertaining to the alleged debt. I refrain from providing personal information in accordance with CFPB guidelines but am willing to provide necessary details upon request. Your prompt attention to this complaint is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NJ
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:
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  and XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 had a B of A mortgage which has never been late in 10 years, i sold the property. Escrow and myself contacted b of a on recorded lines 5 times to inquire should i send the payment before the XXXX because escrow was going to close on the XXXX and money would then need to be sent back because the payoff would over pay the balance. 3 b of a employee 's ensured o would not get a late payment as long as the payoff took place within ten days after the XXXX. The payoff took plae 6 days after the XXXX and i was assessed a late payment one month later.

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 2022-11-07
Company: Adler Wallach & Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX we banked my son 's XXXX XXXX  with XXXX XXXX XXXX in XXXX, Arizona, when he was born. We decided to keep the XXXX XXXX when my daughter was born in XXXX with a XXXX XXXX, as there was promise of XXXX XXXX XXXX XXXX XXXX. My daughter received XXXX XXXX in XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX XXXX That means there is no longer any opportunity to XXXX XXXX XXXX XXXX as they are XXXX. 
Additionally, when new research indicated doctors do not need XXXX XXXX XXXX but rather just a person 's own XXXX XXXX ( which are regenerative ), it was clear we no longer needed to bank our son 's XXXX XXXX 
I called to cancel our subscription. 
Then, out of the blue, long after cancelling, after never hearing from the company for years and years, I received a notice from AWA Collection agency in XXXX, XXXX, stating I owed {$480.00}. 
How can the XXXX XXXX XXXX erroneously compile charges, NEVER contact us about them ( XXXX confirmed they still have the correct contact information for us ), then just send said charges to a collection agency, to get us to pay money we don't owe or threaten to ruin our credit???? 
This is EXTORTION. 
Had I been notified of such charges, I would have addressed them and corrected the record. My credit rating will show I do not ignore or not pay my bills. 
AWA Collections is attempting to collect this money, but this debt is not ours. I ask the company clear this off our record, and ensure this does not go to any credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: U.S. BANCORP
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This was agreed to be removed once account was paid in full which it was. I had an emergency fire to deal with and unable to turn on autopay at this time. Otherwise all other times I paid in full. 

I would appreciate this be removed on XXXX, XXXX, and XXXX. Thank you

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 2023-12-15
Company: Benchmark Capital Management, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX called me and want me to pay full amount or will dispute at court for the company called XXXX. I called XXXX they said I dont have an account with them. XXXX have all information like SS, address, bank account ( which I dont have anymore ). They claim I took a loan from XXXX since 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
We in the process of contacting the credit bureaus to investigate the inquiries.

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