BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I am on a deed and mortgage with my ex-husband. He was court-ordered in XX/XX/XXXX, per our final divorce order to maintain mortgage payments or sell the marital residence. He has not made payments on the mortgage, and is illegally utilizing the CARES ACT for relief from paying on the mortgage. He has been unable to pay the mortgage and/or refinance it since XX/XX/XXXX, and is now taking advantage of a pandemic to keep from paying the mortgage. He also falsifies his income on the refinance applications. In the meantime, since XX/XX/XXXX, he has repainted the marital residence, which is almost 5,000 square feet if you include the finished basement, he has completely refloored the entire home, resurfaced the in-ground pool and added a salination filtration system for the pool and filed a false claim with our insurance company to get the roof replaced. Not to mention his purchase of three new golf carts and two new jet skiis. He gets a retirement from the XXXX XXXX, XXXX and receives rental income from whomever lives in his home, a rental property located on XXXX XXXX. in XXXX County, VA, a rental property on XXXX XXXX XXXX in XXXX County, VA, a XXXX  stipend from XXXX XXXX XXXX  XXXX  and he owns a XXXX, XXXX, XXXX -- according to XXXX XXXX XXXX earns $ XXXXyr. I am abhorred that he is deceiving our mortgage and insurance companies using a Federal program to evade paying the mortgage, and I'm terrified that I will be included in the scandal when he gets caught. I have sought relief through the XXXX County Circuit Court, but the Judge has refused my requests. I have notified our mortgage holder, JP Morgan Chase and its attorneys at XXXX XXXX XXXX, XXXX, and no action has been taken. I have also filed a claim with http : XXXX and no action has been taken. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
i was issued by the state an unemployment card. I have yet to receive on that works until recently. Apparently they kept sending to the wrong address, etc. I finally received a card, which has a balance of negative XXXX I HAVE SPENT MONTHS TRYING TO GET THIS CARD THAT SHOULD HAVE AROUND 24000 OR SO ON IT. I CALL IN AND LET THEM KNOW THIS, AND WAIT ON HOLD FOR 3-4 HOURS ONLY TO GET DISCONNECTED OR GET SOMEONE RUDE. 

THEY HAD DISPUTES FOR THE AMOUNTS ON THE CARDS THAT WERE MISMAILED OR SENT TO SOMEONE ELSE AND WERE SUPPOSED TO BE REFUNDED. I GOT SOMETHING IN THE MAIL STATING WE CLOSED THE DISPUTES FOR SUSPECTED FRAUD. ( MY IDENTITY WAS VERIIFIED AND BOA WAS INFORMED ) THEY SHOULD HAVE NOT REVERSED THE DISPUTES, AND THEY SHOULD NOW THAT THEY RESTARTED THE CLAIMS BE RESPONSIBLE FOR THIS AND MAKE SURE I GET THE FULL CREDIT FOR WHAT WAS MISUSED AND OBTAINED ILLEGALLY ... 

THEY SHOULD NOT HAVE LET THIS HAPPEN IN THE FIRST PLACE AND BE HELD RESPONSIBLE FOR THE PROBLEM.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I do not have an account with this creditor. I have disputed this account on several occassions XXXX XXXX Last reported XX/XX/2022 {$910.00} Open balance XXXX XXXX Last reported XX/XX/2022 {$540.00} Open balance

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 2020-11-04
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2018-03-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX I responded to a mailer from a Company called XXXX XXXX XXXX XXXX, for help with re-modification on our home. 
I called the following day spoke with a gentleman named XXXX XXXX, we had a conference call with XXXXXXXX XXXX who is the holder of my mortgage, everything seemed great they sent me papers to fill out we sent them copies of a financial work sheet, prior XXXX tax forms and four weeks of our pays stubs. 
Finally after about two weeks went by I got a phone call to say we were approved for the modification but we had to make four payments of {$970.00} by the first of every month until XX/XX/XXXX then you will get you final payment. 
Well we made all of our payments to them. 
There address were the checks went to was as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number which no longer works XXXX XXXX Ext XXXX We are out {$3900.00} now and can't recover this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: NJ
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:
To whom it May Concern, Ive had the opportunity to view my credit Report and there are Multiple Inquiries that I Dont Recall I havent Signed any Documents requesting these inquiries.I would like an Investigation into the following inquiries as listed.XXXX XXXX  on XX/XX/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 provide Signed Documents .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I had tried to use my cash app account for the first time in months after trying to track down my unemployment it had XXXX XXXX deposited onto my account since XX/XX/XXXX from my unemployment back pay i waited almost 1 year and 2 appeals later once I logged into my account I never had a chance to use the system said my account was block out of nowhere and then it said I had to reset my pin the option wasnt giving to me reset my pin almost as if cash app had something to do with it i contacted customer service to fix my pin which is odd because u can reset it from the website so i XXXX cash support and was told i had to merge my accounts to move all of my money off because I can actually afford a real bank account now having suffering from XXXX XXXX and XXXX  for months it's hard to keep up with everything the person said to log out and once I did I instantly i got blocked and the company took so long to respond that all my money dissappeared and then my account got closed and they wont help they keep asking me for the same information over and over again I never got a chance to use not XXXX buck on my account I emailed cash support until my phone wouldn't allow me and they responded The XXXX of XXXX my whole account was XXXX and closed so now they reopened it but wont give me a refund or tell me what happen to my XXXX XXXX it's really frustrating this is not ok I'm so XXXX  that's all i have to live off the snow is coming now and I can't manage to keep warm I emailed the ftc  and XXXX  but a few news teams and it seem like no one will help me please help me time is moving and cash app is not doing anything I email them almost everyday and the scammers linked a bank to my account from XXXX XXXX XXXX to my account and I told them over and over that it isnt mine and I told cash app that it isnt my account and still nothing is being done please help I feel like just as good as dead I'm being ignored how do XXXX XXXX just get stolen and cash app just wont help respond or try to help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Please see to it that the designer/tech responsible for creating the fields offers the Other problem field so that I am enabled to file a complaint related to my issue. Actually, it is NOT a complaint, but a LAWFUL DEMAND FOR A REASONABLE ACCOMMODATION FOR MY XXXX ( in comparison to the genius who designed or requested the design of this website. Please be aware that this is the potential for my government to be successfully sued for failure to make reasonable accommodations for my human conditions. Most likely though, this will be reviewed by AI and AI was NOT instructed correctly to work within the perameters of obeying all the laws regarding its treatments and considerations of interfacing with humans which are XXXX in comparison because that legal precedent has yet to be set in a court of law, but I contend that an actual human lawyer might actually read this and see that the government ( federal ) just might want to act in accordance with the mandate of the XXXX and that it would NOT be such a leap to see that an over stressed judge just might identify with the proposal of a civil human that indeed we humans are XXXX in comparison to AI and AI is failing to make reasonable accommodations for humans who interface with it! But, here is my record of this attempt to have my government make itself useful and relevant to my life which might justify the use of tax money. Furthermore, I believe that governments failure to address the real needs of the public and for it ( Federal ) government to violate itself is a behavior which nullifies itself as a sovereign government and opens it up to the civil dissoving of itself by court order, and all other governments which likewise violate there own mandates/laws when interfacing with its citizens human. Thank you for your consideration/s. I can only hope that self teaching XXXX will eventually get to this matter before hand, but whos to say.

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 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: In progress
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX through XXXX XXXXMy balances were closed and taken based on Wells Fargo not taking out money when they should ..taking out too much money or double payments.

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 2023-01-22
Company: MOHELA
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:
I have loans attached to my account. My name is XXXX XXXX XXXX and there is a name attached to my account of someone with the name XXXX XXXX XXXX which is not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2020, I was contacted by Midland Credit Management, a debt buyer, whose address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX about a credit card account that I had not used for 5 years. I never received a validation notice so I asked for a copy of the billing charges, payments and any fees that have been added. I was transferred to a manager who informed me that he could not provide that information to me. I told him that under the FDCPA I was entitled to that information and he wanted to know why I wanted it. I told him because I wanted to look at the dates of the charges, payments, and fees so I could validate the amount he said I owed. He started reading to me information & I again requested an itemized statement of all charges. He said he was looking at my statement and he was telling me what the charges were. I then asked if he was looking at the statement, then why couldnt he send me one? He refused again. He threatened to " take this to the next level '' and I said that I had not received any written notification of the account being placed with him before getting a telephone call just 3 days earlier. He then threatened or implied he was about to sue me so I told him I would have my attorney contact him. The statute of limitations in Mississippi is 3 years on any contract or debt. This was on Monday ... today is two days later..Wednesday, XX/XX/XXXX. Today I received a 2nd day air XXXX envelope with a " pre-legal '' notification with a demand that I pay in full by XX/XX/XXXX or they " XXXX '' proceed with forwarding this account to an attorney. What reeks of hyprocrisy is that this letter states that " These payment opportunities do not alter or amend your validation rights as described in our previous letter to you ''. I never received any notification but I did request a copy of the charges for validation and was turned down. I intend on pursuing FDCPA violations against this company as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo Account was charged non sufficient funds fees and accounts closed.

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 2020-11-01
Company: Experian Information Solutions Inc.
State: KS
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:
In XX/XX/2018, my wife and I filed for bankruptcy Ch-XXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I be charged extra fees with overdraft fees and it keeps being charged and it doesnt even make sense and i keep calling and trying to fix the issue but nothing happens

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 2020-06-02
Company: CAINE & WEINER COMPANY, INC.
State: LA
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 sent two verification letters to Caine and Weiner to verify the debt that they say I owe them. Once in XXXX and again last month and I have not gotten any written response. The amount they are claiming I owe them is {$1000.00}. I do not have a signed contract with this company binding me to any debt.

Company response to consumer: Closed with explanation