BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I received a " XXXX with XXXX payment '' to my Chase Checking account for {$2000.00}. 
On XX/XX/2019 I received a debit for a " XXXX Dispute '' of {$2000.00}. 

On XX/XX/2019 I realized {$2000.00} was taken out of my account with the debiting transaction labeled " XXXX dispute ''. I contacted Chase customer service and they informed me that their was an open investigation on this transaction for quite some time. The investigation is now closed and was decided in the senders favor. 

I asked why the case was decided in the senders favor and was given the following information : The sender called their bank and told them that this was an unauthorized transaction. An investigation was opened. They looked into the account owners login history to verify that the location they logged in from was irregular. Based on the IP address investigation they decided to rule in the senders favor and issued the {$2000.00} reimbursement. 

I personally know the sending party and know that this was not an unauthorized transaction. Initially they wanted to send me money via a XXXX transfer but I told them I prefer XXXX ( thinking there was no risk of a chargeback ; i was wrong ) .So we met in person on XX/XX/XXXX so that they can pay me the money they owe me via XXXX transfer. He called his sister ( the account owner ) and told her to go ahead and send the money after I gave them my XXXX details. I heard XXXX 's voice ( the account owner ). 

I am 100 % certain that this was an authorized transaction by the sender and they are exploiting the bank/ XXXX 's policy here. This was a lackluster investigation which resulted in a XXXX criminal being rewarded and an honest XXXX taxpayer out {$2000.00}. Of course these criminals knew to use a different login location to complete the transaction. They are criminals who live off of stealing from other people! The only investigation performed was to check if the criminal was smart enough to use an IP Address they have never used before to login to their account to complete the transfer! 

It is very obvious someone told them about this scheme where you can send money through your USA bank account and request your money back by calling the bank and saying it was an " unauthorized transaction ''. These people are XXXX and don't have much money. They will XXXX over anyone as long as they can get some money out of it. 

To make matters worse, Chase customer representatives claim that they froze my account to complete the investigation. 
I was never told about any type of ongoing investigation or my account being frozen. I do my weekly banking with chase and my account was never frozen or suspended when logging in online. This was like an extremely lazy effort from whoever investigated this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My Student loans are being serviced by Fedloan Servicing. This company does not seem to employ anyone with financial knowledge. They can not furnish me with any documentation showing what my deferred interest was and how it was calculated. How is it that they can claim I owed them X but not be able to provide indisputable evidence? They also can not explain how P & I payments are handled on simple interest calculation. They do not allow for principal reduction payments as they state as soon as they receive your loan payment interest is being charged on a per diam basis, which is correct ; However, what is not correct is the timing of when they apply your payments. I believe they are deliberately crediting payments late. My monthly payment is {$310.00} a month and I pay {$360.00} a month. The payment is made electronically every day so its ACH which means it should be applied within 2 days of the ACH. The extra {$50.00} should go toward principal and the interest should be calculated on the remaining balance and thus my monthly payment should drop slightly. Each time they receive the additional {$50.00} it should satisfy additional principal as the interest owed each month should be slightly less than the month before. This is not happening and no one at XXXX XXXX can explain why. How is it that every bank has to be completely transparent or face federal scrutiny but this company seems to be above the law. They are not transparent and when a company is not transparent it means they are up to something and this company is up to something and they need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use the Wells Fargo Bill Pay service to pay the rent for my apartment. The money is withdrawn from my checking account before the paper check is mailed to my landlord. 

Wells Fargo issued a stop payment on my XX/XX/2022 rent check without my authorization. 

Wells Fargo notified me of their stop payment decision via email on XX/XX/2022. I reached out to Wells Fargo via telephone about this issue on XX/XX/XXXX. On XX/XX/XXXX XXXX Wells Fargo employees ( XXXX, XXXX, and XXXX XXXX verbally stated that per my request, the stop payment had been rescinded. Despite these assurances, my landlords money was returned to my checking account on XX/XX/2022.

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 2019-09-02
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2019 I have made three attempts to have the incorrect information on my Equifax and other credit reports corrected made by XXXX XXXX XXXX and the credit bureaus and have also filed complaints with your office and the IL Attorney General. I closed this line of credit with XXXX XXXX XXXX over a month ago when I also closed my checking and savings accounts and at that time I also requested they report all as closed per my request to all of the credit bureaus and they have not!!!! 

They are still showing the account open with a balance of {$500.00} and are not showing all payments were made as agreed and timely either!!! I want all payments shown as made on time, balance as XXXX and account closed and noted closed at my request now!!!! 

I also want them to update the same with all of the credit bureaus and I want a free and corrected copy of my credit reports from all three credit reporting agencies mailed to your office and myself within a week of them receiving this complaint!!! This is the 3rd time I have requested this information be corrected and it has been months and still is not, they are breaking the FCRA laws along with many others and need to be fined and shut down!!! 

I have also forwarded this information on to the IL Attorney General and my attorney for review as this misinformation has caused me great harm to my reputation. I am a XXXX employee!!! If they are too incompetent to do their job, they need to be shut down!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: BARCLAYS BANK DELAWARE
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX XXXXXXXX XXXX XXXX XXXX Card debited my acocunt with {$15000.00} for a balance transfer to by XXXX XXXX XXXX XXXXThey also applied a 5 % fee of {$750.00} for this balance transfer At a date of approximately XXXX XXXX I called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card. I was told to be patient as it can take up four weeks. 

On XXXX XXXX, I once again called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card. I was provided a case number and advised that I would be provided with proof of payment in 7 to 10 days. During this call, I confirmed thatA Advantage Aviator Credit Card had the correct account number at XXXX XXXX Credit Card. 

On XXXX XXXX, once again called AAdvantage Aviator Credit Card to advise that the balance transfer has not been received by XXXX XXXX Credit Card and also that I have never received the requested proof of payment. I also notified the representative that I was upset and would be making a complaint to the CFPB. I was given a new case number. 

As at XXXX XX/XX/2023, I still have not heard from AAdvantage Aviator Credit Card My credit agency reports are incorrectly showing that I owe AAAdvantage Aviator Credit Card and XXXX XXXX XXXX XXXX {$15000.00} each I have paid AAdvantage Aviator Credit Card {$750.00} as a fee for the balance transfer while I am continuing to pay XXXX XXXX Credit Card monthly interest on the {$15000.00} The interest fee period that I agreed to with AAdvantage Aviator Credit Card started in XXXX but I am still paying interest to XXXX XXXX Credit Card as the funds have never been applied to that 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 2023-02-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a co-borrower on a mortgage loan with 5/3rd bank. My name has been removed from official tax documents while my co-borrower 's name remains. This is the fourth lending company that has managed our loan and the first to remove my name and access to important tax documents. I made a complaint and they said there is nothing they can do. This unfair practice impedes my ability to claim this mortgage on my taxes and manage the loan, and was arbitrarily determined without fair notice and explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2020 & XX/XX/2020 Bk of Amer has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been reporting this account since I've become aware of it. I don't have any other information except that I was put on the account as a cosigner. My husband XXXX XXXX XXXX ) who is now deceased, left me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. I had found out in late 2018 that it included putting several credit cards in my name and somehow having someone cosign my name to a vehicle that was repossessed several months after getting it and now the companies are holding me liable for the payoffs. I have been having trouble to prove my innocence due to him not being alive, lack of knowledge of the chain of events and accounts.I don't have documents to attach because I don't know anything about these accounts except what the collection agencies have sent me. If a death certificate is necessary, I will attach that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Junk debt buyer sent me an email to confuse me. The judge ordered arbitration to settle. dispute. The arbitration demand was filed with XXXX XXXX. We already did court ordered mediation. The Junk debt buyer try to confuse me by not notifying me that she is a Junk debt buyer via her email. She failed to communicate with me in the email that she is a collection agency trying to collect a debt. I want {$500.00} to settle her violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: TN
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:
Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, it seems as if the are evaluation of the FCRA and the FTC. I sent a statement ftc report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney generals office and seeking to get a legal counsel XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of the following names are fraudulent and needs to be removed. 
Please see attached FTC report and proof of identity 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 2023-01-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did not apply for this XXXX XXXX credit card from XXXX to XXXX. The account # is XXXX. Someone else did this which is this fraud and theft. This needs to be remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo said I was approved for a refinance and everything was great until they took the inspection fee of XXXX XXXX House appraisal great, my credit score was great, and been on my job over 5 plus years. Con me out my money and never answered my calls to finish the process.

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 monetary relief
Consumer complaint received 2020-07-10
Company: LoanCare, LLC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All information Loancare ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) is reporting to the credit bureaus is inaccurate for the following reasons. ( Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with Loancare ( a subsidiary of XXXX XXXX XXXX also called XXXX ) prior to XX/XX/XXXX. Loancare/XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with Loancare/XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX Mortgage. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with Loancare/XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying LOANCARE until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.

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 2021-08-24
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company willfully and knowingly have violated my federal consumer rights, I never consented to this company having my personal information, that's an infringement on my right to privacy. This company reported unverified and inaccurate information to the credit reporting agencies. I, consumer requested validation of debt of this debt from Resurgent Capital/LVNV Funding and did not receive the validation of debt according to FDCPA. This company deleted the alleged debt because of wrongful activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
hello i wouls like to state i XXXX XXXX pay my bills on time i have all my bill confirmation and receipts and there are false errors in my credit report making my credit bad never had a credit card or been in any type of dept i would like my credit score to be investigated i feel its to low for the bills that i payed off my info XXXX XXXX XX/XX/1986 XXXX XXXX Address XXXX XXXX XXXX i would like to file suit for Defamation of Character XXXX XXXX experian and XXXX have not giving me my correct credit score i would like it to be fix i should be allowed monetary compensation under the FCRA act i have lost assets do to this false credit report the next complaint about my false credit errors goes fedreal trade commission

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 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2023-01-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not apply for this XXXX XXXX credit card from XXXX to XXXX. The account # is XXXX. Someone else did this which is this fraud and theft. This needs to be remove 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