BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: JPMORGAN CHASE & CO.
State: MI
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:
I talked to Chase Bank customer service, and explain to them that I did not apply for a chase credit card. The person I talked to told me on XX/XX/XXXX that he would stop the application and remove the hard inquiry from my XXXX record which he did not. Now on XX/XX/XXXX Chase got a hard inquiry of my XXXX  record after I told them that I did not apply for a chase credit. 

I need help before Chase open this card up in my name I dont mine paying the bills I make but I can not afford to pay for something someone make. 

Thank you. 

PS. Chase need to remove the hard inquiries from my credit reports like they Said would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: Manhattan Beach Venture, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I attended XXXX XXXX XXXX XXXX  in XXXX and the school was bought out. XXXX  XXXX  had fraudulent employees in the financial aid department who didnt thoroughly explain the process and forced students to sign up. Ive been trying to dispute this issue and have had problems for the last 8 years and its still on my credit

Company response to consumer: Untimely response
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: GA
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ; XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A refund check was issued by a Title company to refund my earnest money deposit on a home contract that fell through. They cut a check from XXXX XXXX, signed by two people, on a printed check. They are holding the check for 7 business days and refuse to release any funds, there are no reasons to suspect that this has any reason to be unpaid ( it is a refund of earnest money from an escrow account ), nor any overdraft history, the account has been in good standing for 18 years at the bank, and the check was for less than {$5000.00}. This violates the Expedited Funds Availability Act and the bank refuses to cooperate and expedite the clearance of the funds.

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 2019-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, XXXX XXXX EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, XXXX XXXX FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.

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 2019-11-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I used online chat to request to transfer fund of my CD ending XXXX, which is due on that day, to my checking account. 
But on XX/XX/XXXX, I found that the other CD ending XXXX, which maturity date is XX/XX/XXXX, was closed on XX/XX/XXXX. I inquired via online chat right away and the bank admitted that an error took place on the back end, and someone from our processing team mistakenly closed the CD ending in XXXX. I requested the bank to reverse the unauthorized transaction. They stated that they couldnt. So I requested for a reasonable solution. My request is easy. I dont want to lose any interest cause I expect to hold the CD till maturity date, which I always did. 
XXXX, manager of their XXXX XXXX XXXX called in few hours and said they can credit me {$8.00} for the interest during XXXX XXXX. He didnt even mention that the bank has charged me a CD early closure penalty for {$81.00} until I asked. Upon I request, they credited 2 days interest and penalty right away. However, I still lose the interest I should have gained from XX/XX/XXXX to XX/XX/XXXX if the bank didnt mistakenly close the CD. XXXX stated that they can not credit future interests. So I ask him to find an alternative solution or instrument that can compensate for my loss. The interest rate of the CD is 2.47 %, APY 2.5 %. Of course, theres no such high yield CD now. So he said he will try to find out a solution. 
I waited till XX/XX/XXXX and got no response so I inquired via online chat again. After a 1.5 hours wait. The representative told me the case is closed and I will not be able to get any further funds. In the end she/he even stated that Upon reviewing I see that it was requested from your end for the account to be closed and transfer the funds to checking account. Obviously the prior 1.5 hours she/he didnt understand the whole picture of the case, which is totally wasting my time. 
I've attached the online conversation on XX/XX/XXXX and XX/XX/XXXX and highlighted the main points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20
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: Information belongs to someone else

Complaint:
I have contacted the Credit Bureau several time to solve this problem. I have been contacted by XXXX XXXX XXXX XXXX XXXX about a debt that is in collection. I have disputed this item. I was contacted by another agency stated that they have this item in collection. I am not sure how two collection company for an item that I have no knowledge of can be inserted on my credit report. TransUnion claimed that they verified the item which is untrue.

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 2018-03-21
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing a final billing with XXXX cable since XX/XX/XXXX. I have called them on several occasions to request my last few bills from them to verify no equipment charges are still on they account and they only send me the final bill. I called and they tell me i have to log into a non existent account to access the bill. Then i explain i dont have equipment or an account and there is still no help. They received their equipment on XX/XX/XXXX and the final bill from XX/XX/XXXX has a credit of XXXX but that is for service not for the equipment they collected on XX/XX/XXXX. I need to see the last 3 bills to verify what is owed. I have called them and they constantly sending to new collection agencies but not sending my the last few bills that i have requested. Lastly, I have not received any written notices from the collection company diversified consultants inc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a collection account with XXXX XXXX, XXXX that is on my Transunion credit report. This collection account has been disputed several times with Transunion, and also with XXXX XXXX, XXXX. I have asked for validation of this debt in which I am entitled to under the FCRA. Every time that this debt was disputed, I have been told that the debt was verified. However, I have never been provided a signed contract with my signature on it between myself and the Original Creditor ( XXXX - XXXX ) or  XXXX XXXX, XXXX. I called XXXX to ask to get a signed contract with my signature on it, and they could not provide one. I asked XXXX to do the same, and their response was " You indicate that when you asked XXXX for a signed contract, they advised that account records are not kept on file after the debt was sold. Please note that it is not uncommon for a credit provider to archive an account once it has been sold. Therefore, when contacted by you, the representative of the original credit provider may not have had access to the pertinent account information. '' They also report the debt amount being {$4000.00}. According to correspondence from XXXX - XXXX, this information is incorrect. The Original Creditor states that the amount on date of sale was {$3900.00}. Reporting an incorrect amount is a violation of the law. XXXX agreed and has removed XXXX XXXX, XXXX from my credit report. I am asking for Transunion to do the same, and remove the collection account with XXXX XXXX, XXXX from my Transunion credit report immediately. I have attached correspondence from XXXX XXXX, XXXX and XXXX - XXXX as evidence.

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 2019-08-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtain a Mortgage with wells Fargo in XXXX. In XXXX of XXXX they sold the Mortgage to another Mortgage company. But before doing so they reported a late payment on my credit report for the month of XX/XX/XXXX. I have never been late on my Mortgage payments. I have reached out to them on multiple occasions but continuously hear that my late payment is valid. It is not!!! I sent an email to XXXX on XX/XX/XXXX. They still have not corrected this error.

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 2021-10-09
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not know who this company is. I have disputed it with the credit reporting companies. I requested any and all originating documents. It is in violation of HIPAA law as well. Please inform this company to remove in and all information about me from their systems. I did do not consent to any selling or purchasing of any information involving my person. I have never done business with this company. I also will report to XXXX  if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The addresses and name on my credit report are fraudulent.

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 2018-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, i have some concerns regarding my loan modification with my bank Bank of America. Bank of America placed a foreclosure sale of my home for XX/XX/2018 at XXXX XXXX. 
I provided Bank of America all of my documents for a review for a loan modification. They said they have all the documents and they do not need anything else. Bank of America told me that my loan modification is undergoing review process and is in review with the underwriters. I checked online and checked with the trustee my home is still on foreclosure sale. Bank of America has not taken my home off foreclosure sale even though they are reviewing my loan modification. Im very stressed and worried that they will foreclose on my home even though im in review process. 
I know if they continue the sale they will be in violation of the California Home Owners Bill of Rights. They have to right to sell my home if they reviewing me for a loan modification. 
My concern is the sale is coming up shortly and they will not remove the sale.

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 2019-04-25
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On the day XXXX of XXXX, I resend a transfer that I put with incorrect information, now with information that suppose to be correct. Then I wait until the XXXX of XXXX because this it suppose to be the date to recieve the money, but for my sorprise the operation appear to be completed but I do not see any money, appart of my actual amount, on it. Then, the next day I ask to my bank about my transfer with my reciept, but because some but data inserted, it suppose to be refunded again and be able to resend to the correct information as it can see on the files below. 
And now because I wait the legal 48 hours for my refund and do not see nothing I need to look for help of some other organization because I do not see any cooperation from the site responsible of the Transfer TransferWise. 
I believe that this error can be solved for continue with my studies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: EQUIFAX, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
This regards XXXX Equifax is using a trick to avoid responding. 

They sent an email offering information on my case. However, in order to obtain the information, I was asked to submit some simple information to identify my account I submitted the correct information but the Equifax system rejected it. I tried several times, and I am sure I entered the correct, simple, information. It comes back each time " incorrect. '' By that means they avoid responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received a phone call from a debt collector which purchased an old debt that was paid and settle for the less then the full amount back in XX/XX/XXXX which was XXXX years ago NY stipulation is 6 years this debt was paid and settle XXXX XXXX has contunued to harass me after I have noted several times to stop it has now become harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: Tate and Kirlin Assoc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1.Original Creditor - XXXX XXXXXXXX XXXX XXXXXXXX 2.Collection Agency - XXXX XXXX XXXX 3.Now Owned By - Tate & Kirlin Associates , Inc Two Different Amounts {$1200.00} - {$1200.00} Claiming Amount Owned Date Disputed XXXX - XXXX - XXXX Disputed Charges And Asked For VOD Validation Of Debt *** NOT Validation*** Resolution :XX/XX/2018 Per XXXX  : I Quote Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act ) Inaccurate, Unverified Accounts Per FCRA Sec. XXXX Using XXXX XXXXXXXX XXXX is an automated does not even begin to Constitute a reasonable Investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Experian Information Solutions Inc.
State: CO
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:
The addresses and name on my credit report are fraudulent.

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 2018-09-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've had a XXXX XXXX XXXX visa Chase credit card for the past, 1,1/2year i've been paying it in good standing time never been late on it. On, XXXX18 i wanted, to pay some of my balance off on the card, like i, have been paying fine for the past year an half, i come to find out that my account has been cancelled, I never received, a phone call nor a E-mail, nor any type of communication by mail telling me why my account had been cancelled. When i, called Chase credit card, the fraud department. advice me, that the creditors had sent them an alert saying that my account was fraudulent because, of the address that chase reported, to them, just be advised, that i've had this card for over a year an half and, never had a problem like this. I, called all creditors like XXXX, XXXX, and XXXX, well when i, spoke to XXXX they advice me due to the fact, that chase reported, an old address that i had over 10 years ago, they send an alert to them, and thats what made a fraudulent alert. XXXX, has also told me that they where going to mark it as an error. In order to get my card back from Chase credit they needed, to run my credit again, and i think thats not right since i, had my credit card in perfect standing position with Chase, by Chase running my credit again, that would bring my score down, and i don't think that's right for them to do this. Till this date i haven't received, any information about my account. They also have my correct address ever since i, opened this account, another thing they want to do is to cancel my milage i, have earn since i, had this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
HERE IS ANOTHER LETTER PROOF OF LIES BY THE BANK XX/XX/XXXX FROM XXXX XXXX FROM THE EXECUTIVE OFFICE RESEARCH REMEDIATION DEPT EXECTIVE OFFICE AND SIGNED BY HIM OR HER IT STATES THEY RECEIVE A STOLEN OR, LOST NOTIFICATION AND ON XX/XX/XXXX THEY ISSUED A CARD ENDING ON XXXX WHICH I CLOSED ON SAME DAY, SECOND LETTER FROM XXXX XXXX AND SIGNED BY HER THAT ON XX/XX/XXXX I SPOKE TO HER AND STATED THAT THE ACCOUNT ENDING ON XXXX AND THAT IT WAS MY STEPSON AND THEY CLOSED THE ACCOUNT ON XX/XX/XXXX AND THAT A FRAUD CLAIM WAS FILE BY THEM AND THEY WHENT AND TRANSFER OVER 50 TRANSCATIONS TO IT ALDO THE ACCOUNT HAD BEEN CLOSE ON XX/XX/XXXX AND YOU HAVE THE PROVE OF THE LETTERS SENT BY THEM SIGNED AS WELL AND THAT WAS DONE. 
1- THE ACCOUN ENDING ON XXXX WAS CLOSED BY THE BANK ON XX/XX/XXXX THAT WAS NOT MINE EITHER AND THEY WHENT AND STATED THAT THE CARD ENDING ON XXXX ON XX/XX/XXXX AND IT WAS LOST OR STOLEN AND CREATED ANOTHER ENDING ON XXXX AND FOR 30 DAYS THEY DID AL THIS CASH ADVANCES AS WELL THAT WAS A LIE. I ALSO NEVER HAD THAT CREDIT CARD AND THE CREDITS REPORTS SHOW THAT THE ACCOUNT ENDING ON XXXX WAS OPENED ONXX/XX/XXXX AND THAT WAS ANOTHER LIE YOU HAVE THE PROOF THAT SOMEONE ON THE SIDE OF WELLSFARGO HAS BEEN LYING AND I HAVE FILED A LAWSUIT WITH THE SETTLEMENT PEOPLE. 

ALL THIS IS VERY SIMPLE ALL YOUR PERSONS SIGNED AND PROOF THAT THEY LIED AND HAVE THERE SIGNATURES AND I HAVE ATTACHED THE LETTERS.

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 2021-05-27
Company: EQUIFAX, INC.
State: FL
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:
I have filed several disputes to XXXX, EQUIFAX, AND XXXX, and have received no answers to my disputes.

Company response to consumer: Closed with explanation