BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX i submitted a claim for several upon several transactions that i had not authorized via XXXX XXXX  wells fargo completed an investigation with claim number XXXX, and determined that for the claim that was {$3200.00} i was in fact right and errors did occur, they gave me a final credit on XX/XX/XXXX for the amount of {$2300.00} - clearly missing money in this {$830.00} to be exact, then i find out ON TOP, THEY missed SEVERAL OTHER TRANSACTIONS I HAD SPECIFICALLY ASKED THEM TO ADD to the claim. 
so now they opened a new claim, yet again claim number XXXX for 44 other XXXX transactions, i since then got a new debit card and had this investigated. so im asking if someone can expedite my funds coming back to me, because your " bank '' is supposed to protect you, no instead i get a notice saying that they are ending their relationship with me, of course the day i file the claim XXXX XXXX  up on. im going to be talking to a lawyer and filing a class action lawsuit against wells fargo, for misleading practice, and false promises and deception. i want my money back, from the first one the correct amount and i want the new one to be credited to being this was supposed to have taken place WEEKS ago, now they want to close my account with 0 reasons given, go figure typical wells fargo. good thing the local and national news will be seeing and hearing about this this week! 
i want am email explaining to me where my funds are and when i'll be receiving them so i can move them to a new bank.

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 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I did not authorize this inquires, ive been trying to improve my credit for the last 3 years and NEVER applied for any credit or inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have sold a massaging product to XXXX XXXX. After my client received his product, she filed a dispute with her credit card ( Chase ) without any reason. 

First, I had tried to contact the client several times to find out the reason why but there was no response from her. I then filed all my paperwork to XXXX  ( credit card XXXX ) proving that the product has been delivered without any issues. I waited for the outcome. 

A couple of weeks later, Chase informed me that my customer, XXXX has won the dispute and refunded the funds back to her. I do not know what factors led to the client 's favor especially I have submitted all the evidence. 
Now, 1. The client does not want any communications with me. 
2. The client did not provide any evidence of any of the issues. 
3. Currently, the client has the product and the funds- meaning she has the product for free. 

After a couple of months, I managed to get in touch with her 1 time after the dispute, and she said Chase has not credited the funds to her so she could not refund me. She promised to send me the funds as soon. And that was the last time I can contact her. 

I suspect this is a professional fraud case and I have tried to contact Chase but in vain. 
No telephone numbers, no emails available. Basically there is no way to contact them unless you have an account with them. 

Fortunately, I do and I tried to contact them. However, the bank is unresponsive when it comes to this. I have been communicating with them since XXXX and the same message from them. 

Below is their standard message : Dear Valued Customer, Thank you for asking about your credit card account. We will review it carefully and reach out as soon as we can. 

Due to an increase in volume, you can expect a delayed response of a week or more. Please don't resend a request because it could further delay our response. 

We may ask you for more information to help our research. 
If we do, please reply as soon as possible. 

If we adjust your account, we'll mail you the details. 
You'll also see the adjustments on your billing statement. 

Thank you for your patience and for choosing Chase. 

Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX It has been XXXX. i haven't had any response on your side.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: 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. 

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 2023-03-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2019-06-14
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I set up an automatic payment schedule with Navient in XXXX they never adjusted my due date resulting in 7 months of late fees with interest that accrued daily. I had requested to listen to the phone call when I set up the payments and they refused, I had managers state I was current and I was not. 

The company steered me towards multiple forbearances and misapplied my payments resulting in hundreds of dollars in late fees from daily late fees. 

the representatives stated automatic payments were different than recurring payments both automatically withdraw from checking accounts, very confusing terms I believe intended to trick consumers. 

I have already paid back over {$34000.00} in federal loans and I am not trying to hide from my responsibility to pay back my loans, they mislead me multiple times costing me over {$2000.00} in unjustified fees. 

I only owe them {$12000.00} and they keep giving me false information resulting in my loan staying the same. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Monday XX/XX/16 I went online regarding a personal loan. Tuesday a gentleman called me from a company called XXXX XXXX. We offered me a {$2100.00} loan at at a favorable rate. I gave him my routing and account number. XXXX later, {$2100.00} posted to my account. I called to let him know that the funds posted. He then stated his supervisor disagreed with the rate he had given me and he would have to raise the rate which was doubled. I was extremely upset and told him that I'm returning the funds asap. He gave me XXXX XXXX info to send the funds. The transactions wouldn't go through. He said I can mail a check. I responded I'm a XXXX XXXX, XXXX from home and will not be home for another XXXX weeks and by then, a payment will be due and then I'm committed. He stated the only other way I could get the funds back to them immediately is go to XXXX and get gift cards and send them the info from the cards. It sounded strange to me but I didn't care. Not thinking it's any kind of scam because I have their money. Come to find out the next morning by Navy Federal, they somehow accessed my account and debit card number. Filed a bunch of disputes on previous transactions to total {$2100.00}. It's destroyed now but I had my debit card in my possession. Didn't give ANYONE my login credentials or debit card info. Now Navy Federal is holding me responsible. I've been out of work due to illness for the past month and extremely short on funds. That's why I was looking for a small loan to pay some bills until I get back on my feet. I've gotten fraud alerts and my card temporarily shut down trying to by XXXX out of XXXX because their system felt something isn't right. But submitting a bunch of disputes in a XXXX min time frame didn't raise a eyebrow. Ive been fighting identity theft issues for the past few months. It consisted of someone applying for credit products in my name. After the Navy Federal representative told me they had all my info, I thought my phone might be compromised and I did a master reset on the phone which deleted the forms I was sent via links in texts. I have no idea what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was disputing addresses that were on my credit report with XXXX that were incorrect. I tried disputing the address ( XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  as Ive never lived there. XXXX said they could remove it bc there was an account connected to this address. I found that the account IC systems is showing as a collection connected to this address. I disputed the collection bc it does not belong to me. I called IC systems directly and they have the same address listed with an account number that does not belong to me. The original creditor is XXXX whom I currently have an open and active account with under my current address and a different account number as the collection acct. my acct is in good standing. Please have them remove this collection from my XXXX XXXX reports asap . It is causing issues on my end. Thank you! 

I.C. SYSTEM, INC Account number 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-04-08
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the second time in two years, my mortgage servicer, Dovenmuehle , Inc, has manipulated my account to manufacturer an escrow shortage. I believe Dovenmuehle does this as a pretext to jack up my monthly mortgage payment upon executing their next escrow analysis, due to occur in the month of XXXX each year. 

According to an email I received from an Escalation XXXX, XXXX XXXX on XX/XX/XXXX, she claimed that Dovenmuehle does a check of the balance due, BEFORE issuing payment. This statement, however, is false. Although I provided proof that there was an overpayment of my taxes via granted access to a shared folder on my XXXX XXXX account, XXXX XXXX claimed to not be able to open it. Which again I believe to be false. 

Additionally, the overpayment in the amount of {$1800.00}, was claimed to have been disbursed on XX/XX/2023. However, as of today ( XXXX ) 15 days later, no such payment in that amount has been received and applied to my property taxes by the XXXX XXXX XXXX XXXX and XXXX Collector. 

According to my property tax payment portal, there is a current balance due in the amount of {$1100.00}. If not paid in full by XX/XX/2023, two days from now, my taxes will be considered late and levied with a penalty. 

By now, Dovenmuehle 's payment should have been received, and applied, and a surplus credit of {$650.00} should be revealed on my account balance. However, as it stands now, the overpayment has not been received from Dovenmuehle. Thus, I am unable to discuss the matter with the XXXX Collector to discern how and when I will receive a refund of the surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Resurgent Capital Services L.P.
State: GA
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:
LVNV is predatory - seemingly purchased several of my old debts and also my twin sister 's debts and are demanding that I pay her accounts as well ( accusing us of being the same person ). The lawsuit as well as collection efforts show too many discrepancies. LVNV Funding as seemingly filed an unlawful suit against me. Company is suing me for an old XXXX account . However, the documents they've submitted for evidence show a different account for " XXXX '' a car company that has been sued in a class action suit. XXXX sold my account and still tried to collect on the debt that I did not owe as well as LVNV. They both continued to collect after the settlement awarded and demanded they stop. A letter was sent on my behalf to LVNV on XX/XX/2021 and XX/XX/2021 and LVNV retaliated by filing a suit on XX/XX/2021. The plaintiff, LVNV has been stalking my credit profiles, purchasing multiple debts over six years old ( time-barred ) and collecting on those debts. They've sent me emails stating that they have reached the age to sue me on other accounts but stated that I still needed to pay them- collecting on time-barred accounts and also asking that I pay debts that do not belong to me and have also inaccurately reported. They are re-aging my accounts. The original owner did not zero out my balance field nor inform the purchaser LVNV of the date he account first became delinquent. ( I no longer owe the XXXX debt because the settlement required that the debt be forgiven due to unfair practices such as violating consumer laws and predatory loan charges. Attempts to collect debt not owed and there were no written notification about debt ( didn't receive, therefor, I didn't know I could dispute debt ). Their practices are harassing, abusive, unfair and they have multiple inaccuracies and discrepancies on my reports, accounts and emails, producing bills that I've never seen and do not owe. I have requested that they stop and they sued me in retaliation. The exhibits ( Exhibit A lists XXXX but they only show proof of the XXXX account for Exhibit A ) Schedule I in the court document states the account is " XXXX '' But, Exhibit B is about " XXXX XXXX XXXX ''. There is inadequate documentation inflecting a bill that does not mirror the amount owed by the original creditor. Please find attached XXXX XXXX, emails requesting for the creditors to stop contacting me and to also stop collecting on the date ( sent my me as well as by XXXX XXXX XXXX on my behalf ) current harassing emails collecting on a time-barred account and lawsuit filed by the plaintiff about these accounts that I do not owe. Letters were sent out, ( XXXX account, time-barred and proven that I do not owe via settlement ) before the lawsuit for these accounts were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On or about XXXX, Bank of America fraudulently induced me to open a XXXX account without disclosing that if the account dropped below {$300.00}, a {$5.00} fee would be incurred. I only signed documents and received disclosure forms for opening a checking account. When I confronted the branch about the fee and asked for proof that I was provided knowledge of and consented to the {$5.00} fee, I was shown a document that contained a fraudulent signature. I believe in an effort to convince me to open a XXXX account, BOA intentionally concealed information concerning the fee and falsified documents. Please provide to CFPB the signed documents associated with the opening of my savings and checking account.

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 2023-06-13
Company: EQUIFAX, INC.
State: FL
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, XXXX XXXX, declare under penalty and perjury ( under the laws of the United States, if executed outisde of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE Law to file this dispute. I also understand that willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC1621. These items found within my credit report are not related to any transactions that I made. I am alleging that a person or company- without my authorization- used my personal information to apply for goods, services, or money ; and were successful in creating this account. These debt collectors are in violation of putting these unknown accounts on my credit report. This has caused me to suffer and its a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH has committed multiple errors. There is no dispute that the owners own the home. There is no dispute that PHH does not have title to the property. There is no dispute that the borrower filed a XXXX before the notice of sale as issued. There is no dispute that in Florida a notice of sale is required to complete a sale. There is no dispute that Florida is a judicial state. PHH is misclassifying the status of the property as XXXX when there is not dispute that XXXX is still in the name of the borrowers. Therefore this property can not be XXXX until the borrower loses title. PHH is causing the borrowers harm as well as injuries and preventing them from completing loss mitigation. The borrowers have a buyer who is willing to make an offer and PHH is preventing the resolution of the alleged debt. PHH has violated 12 cfr 1024.41 and 12 cfr 1024.35 ( b ) ( 11 ). PHH is therefore dual tracking by frustrating the loss mitigation process and moving forward on the foreclosure at the same time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-12
Company: EQUIFAX, 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief