BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-31
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Chase was unreachable by chat or phone after numerous attempts on multiple days. Its website said this was because of the COVID-19 pandemic, which Chase had apparently not adequately prepared for. 

On XX/XX/2020, I requested by secure message for Chase to close the credit card immediately. Chase did not do so, and instead said my request was referred to the fraud department. 

On XX/XX/2020, I again requested by secure message for Chase to close the credit card immediately. Chase did not do so, and again said my request was referred to the fraud department. 

As of XX/XX/2020, the credit card is still open. The credit card has a {$0.00} balance, has always had a {$0.00} balance, and all the fraud department can do in case of fraud is close the account anyway so I don't know why the account is still open. Chase provided no explanation of why requesting the closure of a {$0.00} balance credit card is fraud. I requested the account to be closed through secure messaging after logging into the account, with " secure '' messaging suggesting that Chase believes this method of communication is secure. 

I have the following request of Chase, which is the same as my previous requests : Close account immediately. 

I should not have to make a dozen attempts over two months to close an account with no balance. I have no credit card statements I can attach to this complaint because Chase has not generated any. Chase has not generated any because there has never been activity posted to this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Public record information inaccurate

Complaint:
I have contacted them via telephone and in writing. They are reporting that I filed a recent bankruptcy in XXXX  causing me to be declined and or pay higher interest rates. I did not file bankruptcy in XXXX. My ex husband filed in XXXX and I was by accident added by mistake. They quickly corrected the issue and closed the bankruptcy with me. My ex husband currently filed the bankruptcy and not me. The credit company has failed to correct this issue by removing the bankruptcy filed in XXXX by my ex husband. They fail to do anything with removing and its causing me to be declined bc of this error. Banks are looking that I filed bankruptcy in XXXX  counting it has a recent bankruptcy. However, there is no court order showing a discharge of this XXXX bankruptcy but I did not file one. They also fail to remove inquiries that I have in writing disputed. I have a fraud alert on my credit which makes a company have to go through steps to extend credit. The companies have never called me and I have never done business with them. The alert was placed due to my ex husband using my social security number. The same companies are running my credit every month without getting authorization from myself. The credit agencies as well failed to protect my credit account even with several telephone complaints and filing concerns and disputes in writing. This is an issue with all 3 credit agencies.

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 2019-08-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
hello XXXX im ' sitting here in a chase bank in nys, on XXXX XXXX. or route XXXX. i lost my debit card and i just got it cause and if it werent ' me why would they send me the ppl when i guys the back office at this branch has a female, id ' look into. and you guys know me i have better XXXX to do with my life then write tonyou ... 
i had lost my debit card and chase send me a new one and address so i go t oh im XXXX by the way ... so i want ti file federal charges for violating the intelligence identification protection actand its my XXXX money, i dont care whose XXXX prez, its my money this XXXX refused to activate my debit card and so i go, i wan na close my account, hes like no ... so someone cia that you know, il gonns ] a leave this chase branch with some XXXX guy going exec orfer XXXX the us constitution. and its my cash how branches you think in XXXX cant get this fixed, but next branch i lost myid i dont have any and then they follow chase policy and ask me to punch in my ssn guys i told him everythinyg he didnt ask i told him my last withdrawl my last deposit how much where iopened the acct and like what dc excuse you gonnna send me where im leaving this bank with savings vhecking and cc # and no access to my acct even through chase corporate sent me a new debit card. and his excuse seeing my email address and pin point iwonder whose bank manager here ... either way im a stock holder and they think im XXXX why when do ya XXXX jobs!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I went to the property appraiser office and got the XXXX exemption for being a XXXX XXXX XXXX veteran, I sent the mortgage company the paperwork but they replied saying that that was only an estimate, I went back to the appraiser office and they told me that their answer was ridiculous because thats the only document they give everybody and if they have any question they could call them, then I proceed to call my bank and they just keep transferring my call. They also increase my payment due to the escrow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited an escrow refund check from XXXX XXXX XXXX XXXX  into my TCF checking account. 

The teller deposited my check, I withdrew {$300.00} from the {$2000.00} total and left the bank. 

Within an hour, my bank account dropped to - {$810.00}. I called the bank asking for an update about what could possibly be going on with the funds? They said that there was a " double hold '' on the account and that by the next day the remaining funds should clear as my available balance was {$1700.00}. 

Later in the evening, my account we down to - {$2100.00}. ( More than what was even deposited. ) My account was then frozen for the week. I was sent 3 different pieces of mail. One piece said that my account had been overdrawn by $ XXXX and that I would be facing overdraft fees. 

The next piece of mail said that the bank has placed a hold on the deposit because " it had confidential information saying that the check would not be cleared for deposit. '' But, that the funds would be available on XX/XX/2020. 

The last piece of mail was a " stop payment '' slip from TCF in the amount of {$2000.00}. 

I went to XXXX XXXX XXXX XXXX  and asked them if they stopped payment on the check. They did not. I did not stop payment on my check and TCF claims they did not stop payment, but to go back to the issue to ask. I did. They didn't stop it. 

I received a bank statement showing that {$2000.00} went into my account and {$2000.00} went out of my account. 

My account isn't shut down. I haven't been flagged for fraud. No one reported the check as fraudulent. 

I have had to go into TCF every month for at least 6 months to complain about overdrafts/unauthorized charges/miscalculations/money being deposited but taken out of my account for services I already canceled, etc.

Everytime, I received a placated answer from bank employees that literally turned my issues with the bank around on me ; ultimately making it look and sound like I just couldn't manage my finances or add correctly.

I'm done, TCF. Where did the funds from my deposited check go?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: IL
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:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2018-05-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On or around XX/XX/XXXX, I took out a first mortgage loan from Washington Mutual ( WAMU ) to pay off then existing first mortgage from XX/XX/XXXXXXXX XXXX. On or around XX/XX/XXXX, I received an unsolicited offer from Washington Mutual stating that I was eligible for a {$250.00}, 000 Home Equity Line of Credit ( HELOC ) and that the interest rate on the HELOC would be Prime Rate less 0.250 % for ( already ) having fist mortgage with WAMU and with an additional discount of 0.250 % for maintaining a minimum balance of {$50000.00} in the HELOC account. On or around XX/XX/XXXX, I entered into a written agreement with WAMU on the above basis for HELOC. Within days of signing the HELOC agreement, my HELOC balance was over {$80000.00}. Which, per the signed HELOC agreement, entitled me to 0.500 % discount below the Prime Rate ( 0.250 % for First Mortgage relationship plus 0.250 % for over {$50000.00} balance in the HELOC account ) Payments to my First Mortgage and HELOC were automatically and electronically withdrawn from my checking account each month by WAMU. 
During XXXX, when I was looking to refinance my first mortgage and HELOC, I noticed that my HELOC interest discount was only 0.250 % and not 0.500 % as per our agreement. Upon checking my past records and assistance from Chase XXXX XXXX CA office, it was discovered that within few months of signing HELOC agreement WAMU had reduced the interest discount to 0.250 %. When I asked Chase Bank, the inheritor of my mortgages from WAMU, why was the interest discount reduced? They told me that the reduction was done because of change in first mortgage. When I asked that why and who made the changes to the first mortgage ( I did not ) I was told Chase do not have any records of it because it was more than seven years ago. When I asserted that the loans were not paid off until about XX/XX/XXXX ( little over a year ago ) and that, strangely enough, Chase has kept and furnished me with monthly statements going back to XX/XX/XXXX, why can't Chase give the details of the change. I was told that that's all Chase can do and that I should contact CFPB. 
This is a classic bait-and-switch tactic by WAMU and blatant and perhaps intentional violation of a written agreement. Now Chase is conveniently hiding behind " Don't have the Records '' explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was using my cash app just fine at the gas station before leaving out of town. Next thing I know my cash app is frozen when I tried to send money to my little brother so he could eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NJ
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:
these items are on my credit report and are invalid PLEASE DELETE this ITEMS PLEASE 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this wrong personal information to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: MS
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:
Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.

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 2021-01-23
Company: Dynamic Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Dynamic Recovery Solutions stating that I owe them a debt of {$2200.00} and that I had 3 options for resolving this debt. They are stating that if I do not resolve this now I will not have another chance. However, I have no debt related to the company that they are stating and there is no association with me and this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 paid account in full, even though it was not mine account ( because fraud complain did get me to no where ) .I submitted the paperwork to all 3 credit bureaus, but yet they saying that everything is accurate : Account number is nit correct Date of Last Active is not consistent I requested investigation report, but never received They received a confirmation about this account paid in full No updates or proper investigation. were ever made .FCRA violation.

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 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

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 2017-12-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been dealing with the negative marks about this creditor. I have sent letters asking to substantiate this debt. All the letters, phone calls, have not furnished proof of debt that is allleged. Yet they continue to leave the derogatory marks on my record, with no proof of such 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 2021-01-23
Company: Experian Information Solutions Inc.
State: NJ
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: Problem getting your free annual credit report

Complaint:
There seems to be an ongoing issue with obtaining my credit report through " XXXX '' where Its not allowing me to pull my own credit, this issue been going on for awhile and I even sent in the required to the pulling company and also tried on their actual website which it keeps telling I have no credit on file or any accounts thats listed which is a lie.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized chargeoff closed account that needs to be removed from my credit report. The account to be removed will be listed below and I will also like to add that I was a victim of the 2017 XXXX data breach. 

XXXX. XXXX XXXXXXXX XXXX ActXXXX # 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 2021-06-02
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted a man selling an XXXX XXXX XXXX  on XXXX XXXX XXXX, we talked and I made sure I asked Numerous questions about the device, received pictures, it all sounded so promising even after I was skeptical in the beginning questioning him. Everything added up to me, so I linked my bank to my cash app card & sent it that way. This morning I go to the post office to get my package open it up and its a voice recorder in a XXXX XXXX box wrapped in grocery bags. I have proof of the entire conversation, evidence of him verifying Everything he said was true, etc. I really would like to speak to some sort of authority about this. It is not okay. I didnt really have the money to spend as it was. Let alone spend it & not even get what I paid for. There has got to be a way we can handle this. Please reach back out to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: SoFi Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refinance with SoFi in XX/XX/2020. As part of the refinance, I prepaid a total of {$6400.00} for taxes for 2020, which was to be escrowed until taxes were due, and in turn paid. 

I have come to find out that I am entering delinquency for property and municipal district taxes, and only the taxes to the school district have been paid. 

I have made multiple attempts to resolve with SoFi, to no avail. 

I get a different response from each person I speak to - ranging from being told that I am responsible for 2020 taxes and no one being able to answer where the taxes I prepaid went to, to being told to contact my SoFi loan officer, who is completely unresponsive at this point.

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 2023-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in Foreclosure process during the years XXXX, the bank officers were rudest during this period, finally I had to filled Bankruptcy XXXX XXXX  to save the home.

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