BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: Diversified Consultants, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX. 

The first time the debt collections was reported by XXXX XXXX and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account. 

I have previously contacted XXXX about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from XXXX. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from XXXX are for someone with a different name and address to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
It all started sometime back in XXXX when I was a loyal and good customer of Comerica Bank. I had my bank accounts there including my checking account that this complaint is in reference to. I had deposited an envelope with cash into the ATM machine one day. Long after the envelope was deposited I was notified that the envelope had insufficient funds inside, although until this day I was not able to track where the cash went if it was not in the envelope. Before I was able to return back to XXXX XXXX to resolve the issue, Comerica closed my bank account and reported me to both ChexSystems and Early Warning. I have resolved the issue with Comerica and paid them the amount I owed them. The issue was not clear to me as the representatives were not very helpful at first when I tried resolving it sooner. However, if the envelope was insufficient of funds, it was an honest mistake and was not something I had intended in any way. These two reporting agencies ( XXXX & XXXX XXXX ) still have me actively in their system 5 years later. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before this incident/reporting. Since Comerica has reported me without giving me proper notice and has still actively reported me to the agencies even after I have paid them off, my way of life has taken a turn for the worst. The inability to open any bank accounts and the reporting by Comerica has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. This is all due to the false reporting and unethical and immoral practice by Comerica Bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened XXXX checking account on XXXX XX/XX/2021 with a promotion which states : within 45 days, do 5 transactions using your debit card and account will be credited with {$300.00}. 
I have already done 5 transactions using my XXXX debit card on XXXX XX/XX/2021. When i called kabbage - there is a long wait of more than 45 minutes and still no human being available to talk. I tried sending emails and getting response - but no response from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
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:
My account is through XXXX XXXX  My account was paid in full and I had noticed my credit score suddenly dropped from XXXX ( in XXXX ) to XXXX ( in XXXX ) it dropped XXXX points simply because XXXX reported my account as 30 days past due. I have never in my life missed a payment nor did I get a statement from them. On XX/XX/XXXX I spoke with a representative ( I have representative information and references numbers for my calls ). I was informed because technically I was a couple days late when I paid my balance off the late fee did not reflect when I was making my payment. Fast forward they charged me a late fee ( which I never received notification of ) and because I didnt pay this late fee I was reported for 30 days past due. I was told on XX/XX/XXXX they would reverse the fee and I only had to pay about {$7.00}. I checked again on XX/XX/XXXX and saw my account still shows a balance. Again I call and speak with the supervisor this time named XXXX. I was told again they would clear the charge and clear the charge through my credit report. Today on XX/XX/XXXX I go and look at my account which still shows I owe a balance of XXXX with a statement date of XX/XX/XXXX, the day after I spoke with the supervisor. I have not received this bill in the mail. Now here I am trying to figure out what to do. Do I close this account and potentially lower my credit some more? Ive never had this issues with any of my accounts and have worked so hard to raise my credit as Im trying to buy a house. I feel like they are giving me the run around and Im not sure what other options I have. I would like to note my bank sent a check to pay this account off which was done in XXXX and since then I have nothing but issues and random fees. I have also not received any of these statements.

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 2018-01-15
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The Money Source ( TMS ) was my mortgage servicer and I refinanced with XXXX XXXX  effective XX/XX/XXXX. XXXXXXXX XXXX wired transferred to TMS on XX/XX/XXXX, provided to confirmation number : XXXX. Email reply on XX/XX/XXXX, from XXXX XXXX from XXXX XXXX ( processor of refinance on behalf of XXXX XXXX  ) : Additionally, our payoff to The Money Source was successfully sent via wire on XX/XX/XXXX. The confirmation number is XXXX. Today, XX/XX/XXXX, TMS reports receipt of funds for XX/XX/XXXX and charged late and other fees that were not recorded in their " payoff statement ''. These TMS fees were labelled as " Irregular payment charge '' for : {$270.00}. However, in my XXXXr TMS statement, TMS notified late charge of {$270.00} would be applied if payment was received later than XX/XX/XXXX. Therefore TMS has charged me the above stated amounts with no justification since my mortgage payment was due by XX/XX/XXXX, and XXXX XXXX fully paid my principal and interest and more by XX/XX/XXXX. 

Further, on XX/XX/XXXX, XXXX XXXX paid TMS {>= $1,000,000}. The Payoff StatemenXXXX provided by TMS, attached informed payoff amounts as : 1. Current unpaid Principal Balance is : {>= $1,000,000} Interest at 3.00000 % XXXX Recording Fee XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Fees XXXX Payoff Statement Fee XXXX * * * * TOTAL AMOUNT TO PAY LOAN IN FULL * * * * * {>= $1,000,000} *** TOTAL AMOUNT PAID BY XXXX XXXX  XXXX ( {>= $1,000,000} ) TMS Payoff letter ( attached ) does not list any additional fees that they have charged me ( listed in 1st paragraph for {$270.00} ). Per TMS 's XX/XX/XXXX statement, the {$270.00} refers to late charge if payment were submitted after XX/XX/XXXX. 

I therefore accuse TMS of making 2 inaccurate accounting errors and 1 Untimely payment of overpaid mortgage payoff funds due to borrower for : 1 ) False accounting of recording mortgage payoff payment receipt as XX/XX/XXXX when confirmation from XXXX XXXX ( refinanced bank ) shows wire transfer on XX/XX/XXXX. 
2 ) False or unexplained additional fee of {$270.00} that is not explained anywhere in their PayoXXXX Notice. 
3 ) As of today, XX/XX/XXXX XXXX is still holding the overpayment of over $ XXXX due to me. 

XX/XX/XXXX - After numerous attempts of calling TMS from XX/XX/XXXX currently, I was not allowed to speak with anyone but the " customer service '' agent who stated that a supervisor needed to be contacted. I waited to speak with a supervisor for 43 minutes but no supervisor picked up the phone. The operator instead came back after 43 minutes stated that supervisor was still not available and that a supervisor will call me and as of XXXX XXXX I received no call back. The customer service agent reported that TMS intends to pay me about {$9600.00} but that this check has not yet been made. The fees of question was an issue the customer service agent could not explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX, I applied for and was approved for the Chase XXXX XXXX credit card. After receiving my card in the mail, I attempted to link the credit card with my existing Chase bank online account. I have been banking with Chase for 12 years so when I received multiple errors, I called Chase for support. They informed me that I would have to go in person to a branch to fix the problem. I went to the branch in XX/XX/XXXXand told them my situation. They said that the social security numbers on my accounts do not match and to fix that problem, they gave me a form to fill out at the branch. I filled out the form and the banker took it and told me that my accounts are now linked. From XX/XX/XXXX - XX/XX/XXXX, I received no notice that anything was missing or that Chase needed anything from me. In XX/XX/XXXX, I noticed all my bill pay was being rejected or returned. I personally called Chase on XX/XX/XXXX to see what was wrong with my accounts and they informed me over the phone that my accounts are now locked due to missing information regarding my social security number. The person on the phone informed me that I must fill out the necessary forms at the branch and have them scan it right away so that my account can be unlocked. I went to the Chase branch on XX/XX/XXXX. I waited ONE HOUR before any bank teller could help me. I told him my situation and he gave me another form to fill out. I completed the form and was told that it would take 3-5 days before my account can be unlocked. I waited until the 5th day and on XX/XX/XXXX, I called Chase again. They informed me that there was still a form missing and that the banker did not give me the correct forms to fill out, as a result, my accounts will all be closed and there was nothing I could do about it. I told the lady on the phone that I really needed my money so that I could pay bills because it was the beginning of the month. She informed me that if I called back in the morning, I could ask to have my check overnighted to me so that I would not have to suffer late fees as a result of their errors. I called back the next morning and was informed that the check was already in the possession of UPS and there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/2019, i made two purchases in XXXX at XXXX XXXX. When the charges were made temporary authorizations were placed on my account for {$2800.00} and {$40.00}. Two days later, today, the two charges posted permanently at {$2800.00} and {$40.00} which is higher than the amount originally authorized. The problem is the US dollar actually rose in value on the XXXX and remained at 1.121 on the XXXX and the XXXX when the charges posted. Barclays Mastercard in fact charged an old rate of 1.129 which caused the bottom line to increase by {$18.00}. For years this credit card company has maintained that the exchange rate in affect when the charge posts permanent is the rate that will be charged. So that when the US dollar is going down, they are allowed to charge more than the original authorization. However, now the US dollar has gotten stronger, they are charging an old rate that was not in effect on the day of the posting. In other words, they want their cake and to eat it too. This should not be allowed and is an abuse of their power of being a big bank that seems to create its rules as it deems solely beneficial to them. I want them to be required to follow their rules and return the over charge they did to me today of {$18.00} and I want the US government to investigate and penalize them for this abusive lending tactic as I am sure there are millions of Americans who have been taken advantage of by them.

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 2018-01-20
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:
On late XX/XX/XXXX I made a cash deposit of {$2500.00} into my Chase Checking account at a Chase ATM located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States The ATM malfunctioned screen went blue saying : transaction cancelled and returned {$700.00}. Then it spit out my card and kept {$1800.00}. And didnt log it into my checking acct. I double checked my balance and immediately called the 1-800 number on my atm card for assistance from customer service. They took a report and said that the funds would be put into my checking acct. 
that did not happen! 
The next day I went to the branch manager at the XXXX branch of the bank and she was very helpful and they put the {$1800.00}. Dollars into my acct. several days later they removed it without notice on XX/XX/XXXX at midnight. 
That put my acct into a negative balance scenario they have exploited the scenario to charge me over and over again fees and charges. Ive tried to speak with representatives at the branch and they want to help me but refer me to claims on the phone and the representatives on the phone are very rude and refuse to listen to me. Subsequently I pass by that atm daily and even though they insist the ATM was checked and my funds were not found I caught them replaceing the entire ATM in XXXX XXXX and took pictures. 
I immediately went back to the bank to discuss once again they put me on with claims the representative refused to identify herself except by first name XXXX and she told me the claim was over the money was not found that she could not help me and that they use a third party vendor for their ATMs and maybe I should contact the third party with questions about the incident. 
This situation ruined my holiday my kids holiday and now threatens my credit score and I need help please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My father passed away in late XXXX. He had a home with a mortgage being serviced by Wells Fargo. The home was passed to my sister and myself through probate. 
In XX/XX/XXXX, I called to inquire about the CARES Act and forbearance. I was told that as a potential successor-in-interest, I could enter forbearance. I had been paying the mortgage until then, and discussed what happens at the end of forbearance. I was told that I could tack the differed payments onto the end of the loan, pay them off in whole, or ask for a loan modification. I said I wanted to move the payments to the end, but was informed that it had to be done at the time you actually call to stop the forbearance. 
Towards the beginning of XXXX, I started calling to inquire about ending forbearance. I started being told I could no longer move the payments to the end of the loan because it was " not my loan ''. I explained that I was the one who entered forbearance, and was told how I could resolve it. I was told they stopped allowing people who inherited a house to move the payments to the end. I had ONLY two options : the first was to pay all the missed payments in a lump sum and then continue to making the payments as normal, or secondly, to apply with Wells Fargo for a new mortgage loan under my own name. I was told that Wells Fargo was only following XXXX XXXX XXXX rules ( who owns this particular mortgage ). I spoke with a XXXX XXXX representative, who explicitly stated that they do not tell Wells Fargo to limit a customer 's option for ending forbearance, and that all available options should be offered to me for any loan they own. Unfortunately, XXXX XXXX does not have the power to make Wells Fargo do the right thing, so referred me to the CFPB. I even contacted my U.S. Representative, though his office was unable to do anything for me than to contact XXXX XXXX. All I have been trying to do is to do what millions of other Americans have done- move the payments deferred under forbearance to then end of the loan. I do not have the money necessary to pay a lump sum of all deferred payments, nor can I ( nor would I ) apply for another entirely new mortgage with Wells Fargo. This bank needs to be held accountable for yet another way they have found to take advantage of their own customers.

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 2018-01-22
Company: Experian Information Solutions Inc.
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:
Someone is using my name, social security number, and date of birth to apply for credit cards.I do not know why anyone would do this, but I have contacted the police to file a police report and I have also placed a fraud alert on my credit report. I have never applied for credit with the banks - I have listed the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2022-01-05
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: Account status incorrect

Complaint:
XXXX XXXX  XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. This account was already removed Off on XXXX and Please honor all request of documentation.

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 2019-02-06
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX - I sent a document to the XXXX Bankruptcy Court regarding the fact whether they provide Chapter XXXX BK information to any third party or credit reporting agencies. I now have a document stating they do not provide this information AND that they do not attach a complete social security number on any information. 

I then contacted XXXX  XXXX and got a security freeze and opted out of any of there information reporting. I now have a document which shows that my opt otu through XXXX XXXX has been approved AND a Security Freeze case number. 

In XX/XX/XXXX then sent a dispute letter to Equifax regarding erroneous information on my credit report regarding an old Chapter XXXX BK. I received a very QUICK within 5 days response saying they have verified all information as correct through XXXX XXXX. 

I then sent documents from the court house, from the freeze, and from the opt out to equifax regarding the fact that it is impossible they verified any information and I would like to know how they verified. 

It has now been 30 days and Equifax has yet to respond or to fix anything on my credit report. 

I have done and sent all documents required and all I get is silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the reporting agencies.

Company response to consumer: Closed with explanation