BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
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:
In XXXX toward the end of the month, I invested about {$3000.00} in a crypto coin trading platform. I found it on XXXX and, although there was a picture of XXXX XXXX on the ad, I don't think he had anything to do with it. His photo was just used to encourage unknowing people like me. A person with one name, XXXX, handled my account. ( XXXX XXXX ) I would trade daily up to three or four times a day using information from supposedly from a XXXX XXXX. The advice seemed to be accurate and I seemed to make money on most trades. ( Only information on XXXX XXXX XXXX XXXX XXXX XXXX is XXXX. ) XXXX encouraged me to invest more because I could see others were earning multiples of money I earned. Like a total fool I listened and kept increasing my amounts. She kept saying how it would benefit my family for generations. When I said I didn't have any more to invest, she told me to withdraw money from my stock brokerage accounts. Here is a list of money I did eventually send : XX/XX/XXXX. {$10000.00} XX/XX/XXXX. {$10000.00} XX/XX/XXXX. {$60000.00} XXXX. {$40000.00} XX/XX/XXXX. {$10000.00} XXXX. {$100000.00}. To join a " XXXX XXXX '' for greater profits and less commission These were all send by Chase XXXX XXXX XXXX XXXXXXXX XXXX and then to XXXX XX/XX/XXXX. {$3000.00} XX/XX/XXXX. {$40000.00} XXXX. {$10000.00} XX/XX/XXXX. {$60000.00} These amounts were send from Chase to Chase in Arizona and then to XXXX The last part sent was adding up to {$100000.00} was to get {>= $1,000,000} transferred from my XXXX wallet to my XXXX account so I could pay the rest of the commission on the funds in my XXXX account ( approximately {>= $1,000,000} in my Wallet there. 

XXXX led me through the withdrawal process. I copied step by step, and told screen shots of each step send to XXXX so she was sure it was handled correctly. She assured me the money ( {$960000.00} after fees from XXXX ) would be in my XXXX account. It never showed up. When I told her that, she told me it was hacked but I could get it back by the company 's technical department.. But I would have to pay a 10 % fee first. I refused. During the next group chat I pointed out that I could not get any of my money and others in the group said similar things. With that she closed the chat permanently. 

Although I refer to her as XXXX, I have not idea about the gender of the person who did this. I do think it is foreign since XXXX referred to different currencies than Dollars. 

I have to say that the XXXX crypto companies I dealt with are part of the problem. The money was transferred from Chase then to XXXX. From XXXX I was told to transfer the funds to XXXX XXXX. they in turn transferred to my XXXX wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX I tried to transfer XXXX  USD to my XXXX  XXXX XXXX account. Then Marcus locked my account and they did not say why it is locked. Then they said that an instruction of affidavit will be sent to my mailing address within 10 business days. I have waited for 10 business days and still not yet received the instruction of affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Navient serviced student loan debt from a 2007 account. Recently I have been getting mail regularly ; just about monthly for last 3 months. I have worked with some of the credit repair people, and they told me " No way should this account be on your report or be valid on any type of form. '' And was advised not to pay it. Also, I believe the Statute is 7 years. 
There have been a lot of policy changes in 15 years and data brokering have become a source of viable income. Nonetheless, I wish not to be a part of whatever plan or business model they have currently. It seems each time we get this " cleared up '' - it pops up again. 
Lastly, I think I made one voluntary payment, it was less than XXXX  . I haven't contacted them at all. And had no intentions of getting into a payment agreement. 
I believe they operate ( now ) as non-profit organization. I attached a few documents. It had 4 pages in the envelope, 2 pages was disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the process of a Loan Modification with WFHM on my home that I have owned for 21 years and have had financed the entire time with this lender and had already made my first Trial payment on time when they discovered a IRS Tax Lien on my property. They told me to stop making the MOD payments because they would not approve it with a lien on the property. They told me I needed to get the lien removed. After several months WFHM started the Foreclosure process and set a sale date of my property. I contacted XXXX XXXX XXXX the President of WFHM by email and told him what happened. He had a Rep call me and tell me that they would delay the sale date and told me I needed to get the IRS to agree in writing to allow WFHM to be recorded as the First Lien holder on the property and if they would do that, that WFHM would continue with my Home Mod process and stop foreclosure. I contacted the IRS and also filed a IRS XXXX form. After quite sometime the IRS through Rep XXXX XXXX told me they would in fact agree to WFHM terms but I had to include a letter with my IRS written request and forms from WFHM stating that the purpose of the request was for a Home Loan Mod only. I contacted WFHM, who had in the meantime started foreclosure proceedings again and set a new Sale Date of XXXX/XXXX/2015. I had to contact WFHM numerous times telling them the IRS required a letter from them that I had to include with my signed form to give WFHM the release they wanted. These calls were made over several days both by phone and email before they would ever return my calls. When they did they said they were refusing to stop the sale date because I had not provided them with the information they requested and the property still had the IRS lien. I tried to no avail to explain that I had done exactly as they ask and that the IRS had verbally agreed but required a letter from WFHM to be able to put that request in writing. They refused at this point and allowed my home to go to sale at which time they purchased it at auction for {$160000.00} when I only owed {$140000.00} on he property. I believe that a local realtor had informed them that the home is worth {$270000.00} on the current market and that is why they were willing to bid even more than I owed them on the loan. Also under NC Law all liens including the IRS are Second anyway to the lender, so in fact WFHM never needed anything firm the IRS and could have allowed the Loan Mod that they had already said I qualified for and had started making payments on to proceed instead of stopping it. I believe that WFHM have violated both the Laws of North Carolina and Federal Law in regards to the sale of my home. North Carolina has a 10 Day Bid Upset period before this sale becomes final and that date is up at XXXX on XXXX/XXXX/2015. WFHM defrauded me on the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/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 2022-06-02
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is the latest email I sent FedLoan Servicing, which I believe details the issue : I just received the results of my PSLF progress and it is NOT correct. I have spent 15 years in non profit public service. And while I have had periods of deferments, I have had periods where I was making IBR payments. Also, the current deferments because of COVID are also supposed to count towards payments. My results say that I have only made ONE eligible payment. With the waiver/application I submitted several months ago I re certified my employment with all three of my eligible employers, which include SERVICE ACCESS AND MANAGEMENT ( non profit ), XXXX XXXX ( government ) and DEPARTMENT OF CORRECTIONS ( government ). Your chat lines are never available, I have made numerous attempts to speak to someone before and through this process and it has proven to be impossible to reach someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My wallet was stollen in XX/XX/XXXX, which had all of my personal belongings in it. My personal belongings consisted of my ID, Social Security card, Debit and credit cards. The person who stole my documents proceeded to a credit fraud. They applied for the following inquiries on my credit report : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX All of these inquiries were not authorized by me and is needed to be removed from my credit report immediately.

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 2018-08-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage has several issues with robo signing as well as forged signatures that are not my signatures in which Wells Fargo has yet to produce a real answer or the truth to why my signature was used and sign by some one else in regards to documents. Wells Fargo is always caught up in deceptive practices on there customers. There has yet to be provided to me by them proof that has in XXXX to prove my signature with the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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:
I am a natural person, i am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to finish these accounts. 

Accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 my employer XXXX XXXX released my pay day funds to chime for direct deposit. The direct deposit was never released to my account, I checked with my employer multiple times and they have all accurate information regarding the account ( routing number, account number ). After contacting Chime multiple times, they have been unable to resolve this issue, tell me where my money is. They have given me the run around. This account has been having direct deposits put into it from my employer since XXXX of XXXX with no issues. I have contacted XXXX who is partnered with Chime and am told they only issue the cards for Chime. They cant help either. As of today XX/XX/2023 my direct deposit is still missing with no answers as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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:
The Credit Experian stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2021-11-08
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: Personal information incorrect

Complaint:
XXXX XXXX credit card executive office plus its account representatives have purposely sent personal account information to this make believe address they created and have used without my permission, plus have submitted this wrong address information to the credit bureaus thus causing me hardship in verifying my identification and compromising my personal information, thus giving ID thieves the opportunity to hack into my accounts. I have made over dozen attempts contacting their executive office as well as representatives giving them the correct address, yet they wrongfully and purposely continue to claim this as my address n conversations, even though the executive office sent documentation to the correct address on XX/XX/2021. On tp of that, many of the representatives have been rude and uncooperative causing extreme stress and anxiety. Often when I call, they transfer me around to different departments and representatives, some are rude and hang up. I contacted the credit bureaus to correct this misinformation, however they state that the only correction for this can come from the reporting agency ( XXXX XXXX ). So because this address is listed on my credit report, it compromises my ability to find housing. XXXX XXXX XXXX and its representatives have purposely lied and defrauded me over and over again.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a USPS Certified Letter to XXXX, XXXX, and TransUnion on XXXX XXXX, in regards to several discrepancies I discovered on my consumer report. Please investigate and DELETE the following account : XXXX ACCT # : XXXX Why is this account reporting 2 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Last Activity is reporting 2 different dates. Delete this account. 
When the requested above Deletions are made, please mail me an updated copy of my consumer report. 
XXXX XXXX ACCT # : XXXX Why is this account being reported with 3 different Dates of Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX This account reports 3 different High Balances and 3 different Dates of Activity. Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Why is this account reporting 2 different dates of Last Payment and 3 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Activity is reporting 3 different dates. I am entitled to a complete and accurate report.Delete this 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello, I received an email from Bank Of America dated XX/XX/2022 asking me to remove the restriction on my credit report if you want us to review your application for XXXX XXXX XXXX XXXX. Two problems with that request. 

I don't apply for credit card application with that company and nor did I authorized them to check my credit ( my credit is locked ). 

I sent that an email ( XXXX ) on XX/XX/2022 to informed them this email was this is a possible potential security concern or fraudulent activity. I have not heard back. 

Honestly, I just don't think this is good business activity and should be look into further. 

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 non-monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have a right to privacy.

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

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

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. 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