BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo debacle where they carelessly mistreated accounts. I feel very unsafe after what they did and it has caused extreme emotional stress and worry. I expect a decent compensation from what they have put me through. I do n't if money was taken from my account but to know false accounts were put in my name is very disturbing. I am requesting {$10000.00} or more for the emotional stress and worry I have gone through. Thank you and please take this matter seriously. This should Never happen.

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 2019-05-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019, my Chase checking account was hacked. A person I have never dealt with or met in my life stole {$1400.00} from my account of which {$1500.00} was present. I informed Chase of the fraud and they refunded my account, allowed me to withdraw my money, and close the said account. However, on XX/XX/2019, Chase is calming the fraud was in fact not a fraud and is demanding I pay the money back to them. 

1. The total amount in my account was {$1500.00}.

2. My rent, which ALWAYS comes out through auto-pay, is {$1500.00} due on XX/XX/2019. 
3. I have no direct deposit or income source that is transferred into the chase account. 
4. Chase claims that I am lying and that I, for some idiotic and psychopathic reason, decided to quick-pay my rent to a random man that there is ZERO records of me ever dealing with before.

5. I have many other accounts that were also hacked such as : XXXX XXXX, XXXX XXXX, XXXX account, and XXXX. 
6. The man who supposedly hacked my account is named XXXX XXXX. A BASIC name search shows no XXXX XXXX residing in the United States. 

I believe that Chase has access to all of this information because of the ease that even an incompetent child could access it. However, they instead try and steal money from my account rather than do their jobs. Lastly, I would like to close with a logic question. If a man has rent due on the first of every month and that rent has been set to autopay for the last 5 years on the exact day, would a sane person decide to quickpay all of the money is his account to a strange whom he has never done business with and that resides outside of the United States?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Enquired about a loan on XX/XX/18 with XXXX XXXX. We were comparing loan quotes for myself and my significant other at the time, now husband. We were unmarried at the time of my discussion with the loan officer and I was told that we could not both be on the loan even though it was my intent to apply jointly. I was told that if he wanted to contribute to the down payment we could complete a gift letter and put him on the title, however, he could not be added to the mortgage.

Still to this day I am receiving calls and texts from Quicken Loans. I have asked not to be contacted any more several times now. I had to respond to Quicken Loans texts with " STOP '' on three different occasions which was supposed to stop them from texting me, however, it continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal close my account for no reason, i have been trying to withdraw from my account for weeks and i couldn't, i file series of compliant with questions and answers it still was not fix, until XXXX XXXX, they close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have communicated that lvnv sent me a lettee saying this debt is mine they included a payment I never made. 
In the letter to the bureaus the last payment I didn't nor make I do not know of anyone making it. 
Next this debt is passed statue of limitations. Also the bureaus have deleted this debt and it keeps coming back. 
Can someone validatw this debt by the contract. 
Can someone validate this debt by receipt of buying it from original owner with the account number and name The dispute with original ac, ount holder is card was stolen or a family member put transactions on the card please prove it was me by signature and picture from cameras Also the person who paid this debt last is the criminal Please look at the proof I didn't make the payment it's highlighted The debt is past statue of limitations and is identity fraud.

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 2021-04-03
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: Was not notified of investigation status or results

Complaint:
I sent a dispute to credit burear about a collection ( XXXX  ) and i have not received and response back or any results

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 2022-01-08
Company: Experian Information Solutions 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:
I have as morgage company a corrupted company bank. XXXX XXXX managed by XXXX  XXXX  servicing they were to be my mortgage lender on XXXX when they and right away started to sending me paperwork for a foreclosure and I asked them to showed me proof if the mortgage month missed if they will i will pay you but they never did. they started the harassment every month they charged for a late fee until last year around XXXX of XXXX my daughter gave me some money so I can stop the harassment they charged me {$1500.00} or more for late fees and a month. they claimed I owed. so they stopped the harassment now when I tried to get a refinance the other bank see all the late months and they are denied my refinance they see all the late fees XXXX XXXX  servicing claimed I owed on XXXX of XXXX XXXX XXXX  XXXX on one of the credit report they stated I never missed a payment and I was late in one or two months but never behind NO PAYMENTS MISSED you can checkout it so why XXXX XXXX servicing charged me for 20 or months of late payments i made a complaint on XXXX and XXXX of XXXX through the Experian the credit report agencies but they didn't care i made a complaint here actually the second one and one of the 1000 or more I did before for the same issue. collecting money than wasn't owe XXXX XXXX covers his criminal activity by hiring another corrupted criminals company as XXXX XXXXe servicing they robbed me they harassed me they took advantage of me it's some kind of crime couse they CAN!!

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 2018-03-16
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since Discover card was opened in XX/XX/2009a payment protection plan was enabled on the card without my knowledge. The account has been on autopay and I did not check my monthly statements. Discover had enabled a so called payment protection plan which I was never aware of and never used. I have been charged around {$12.00} per month for 9 years. Almost {$1300.00}. I called discover when I noticed the charges and was told I could cancel the service and get one month back. I said yes cancel the service and credit me, but that one month was unacceptable  as I had never signed up for the service. Was told this is the best that can be done. I called back and asked for a supervisor who said he could credit me 6 months. I explained I never signed up. He said it was the best he could do. I plan to pursue the money owed back to me however I am able as I know that I did not sign up for this shady product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-26
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an unauthorized transaction on my business checking account at US bank dated XXXX, XXXX 2019. Till XX/XX/XXXX I was on vacation, travelling different cities. Came back home XX/XX/2019 and noticed an unauthorized charge. I did not receive any notifications from bank regarding high amount charges and had no idea that my money were stolen, before I came back home. I don't have bank app on my phone for security reasons. And wasn't able to see charges on my account earlier. Was sure that bank will contact me if any suspicious activity will appear, as all my other banks do. 
My claim with US bank was denied because it was longer then 60 days since the transaction was posted. I filed claim the same day I saw the transaction on XX/XX/2019 and that was 57th day. The bank either can not count well or just lying The amount was {$4800.00}, published XX/XX/2019 by the California Union. I have not authorize this transaction.

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 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I submitted an investigation request to the credit bureaus. Over 30 days have passed, but I have not yet received my responses from XXXX  and Trans Union.  My wife and I submitted our request together. She has already received her responses but I have not.

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 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account isn't mine : XXXX XXXX Closed : XX/XX/2017 2017

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 2019-05-26
Company: EQUIFAX, INC.
State: LA
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 have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2018. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I were contacted by XXXX XXXX on or about XXXX XX/XX/2019 to " streamline '' our VA mortgage loan with Mr. Cooper ; this is our current mortgage company and has been for nearly ten years. My husband and I agreed and electronically signed paperwork, that XXXX XXXX emailed, to start the process as we have done before with Mr. Cooper. During the email Mr. XXXX was having difficulty locating my email that was on file with Mr. Cooper. He openly admitted he emailed the wrong address and then asked me for my email. My response was the one on file. At that time Mr. XXXX repeated my email address and correctly sent information to me. We were told someone from another department would contact us as to where our loan process was at in the near future ; we would also be getting a packet sent via USPS. As such my husband and I awaited information from Mr. Cooper LLC. 

On XX/XX/2019, a gentleman by the name of XXXX XXXX XXXX contacted my husband and I via phone ( the phone number listed on our loan paperwork ). Mr. XXXX informed me that our personal and private information had been sent to him by Mr. Cooper LLC. He was unsure what to do with the information. I asked what information Mr. XXXX replied, everything ; social security number, loan details, birthdates, phone numbers, relatives etc. I immediately told the loan processor, XXXX XXXX to stop all loan processing in an email. I also stated to Mz. XXXX the conversation held with Mr. XXXX, a third party, about the breach of our confidentiality by Mr. Cooper LLC. The mortgage company had XXXX XXXX contact us. Mr. XXXX states this has never happened before and they are unsure how it happened this time. My husband has been dealing with Mr , XXXX to find out what they are doing to track down exactly where our information has gone. Neither my husband or I know exactly where our personal and private information has been sent ; neither does any one at Mr. Cooper LLC. The mortgage company has set their interests as the primary concern. My husband and I are left open to identity fraud and theft. We have since had Mr. XXXX send us the packet of information Mr. Cooper LLC sent to him. That arrived via USPS XX/XX/XXXX. We have also contracted a company offered through our banking entity to monitor our information as best they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
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:
In XXXX, XXXX, I was the victim of identity theft. The thief or thieves successfully opened a Visa credit card account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PR XXXX in XXXX, XXXX. 

Working with XXXX XXXX XXXX XXXX XXXX XXXX, I was successful in establishing that this was a fraudulent account, and was notified by XXXX XXXX, XXXX XXXX Fraud Risk Control Division, that this account was not mine and the three credit bureaus were so notified. I thought that resolved the issue with XXXX XXXX. 

However, on XX/XX/XXXX of XXXX, XXXX XXXX once again made a inquiry of my credit with XXXX  and Equifax credit bureaus. 

I sent a certified letter of inquiry to XXXX XXXX on XX/XX/XXXX ( attachment ) which was receipted for on XX/XX/XXXX by XXXX XXXX. The letter requested XXXX XXXX explain the nature and purpose of this credit bureau 's inquiry of my account. 

To date, I have not received any response from XXXX XXXX XXXX. on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Contacted them requesting the original signed contract for 2 accounts that are errors. 

1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX DELETE ALL INFORMATION IS INACCURATE AND THEY HAVE FAILED TO DELETE OFF REPORT FOR 4 YEARS.

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 2019-10-08
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Item described by said creditor on my report ( s ) is not mine, I am a XXXX and rarely ever use any other form of payment that isnt cash or a prepaid debit card. According to my mother letters periodically pop up from this company saying this amount is owed and to a different creditor? Im assuming theyre just a debt collection agency. Ive never heard of either in my life and dont want this to keep following me everywhere I go. Whether its to open a new phone line, or attempt to purchase anything on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I went to the ATM at the Bank of America branch in XXXX, Ca to withdraw monies to pay my rent. Since my daily limit on my card is {$XXXX}, I withdraw {$XXXX} on my card and {$XXXX} on my husbands card. On the first transaction the ATM disbursed the {$XXXX} like normal. On the second transaction, the machine gave me the receipt like if it had dispensed the money, but it did not dispense the money. I was concerned, but felt some sense of security since the ATM 's have camera 's and it would clearly show I did not receive any money for this transaction. Since I still needed the remaining {$XXXX} to complete my rent monies ( {$XXXX} ) total, I moved used the next ATM and was able to successfully withdraw another {$XXXX}. I noticed right away I was missing {$XXXX} from my account and not {$XXXX}, but since it was a Saturday I was not able to get a hold of anybody via telephone. On XX/XX/2019 I called Bank of America and informed them of what happened. They gave me a provisional credit and said they would look into it. 

After some time, on XX/XX/2019 they reversed claim number XXXX - they removed the provisional credit citing that apparently I did receive the moneys. This is incorrect. I never received the {$XXXX} from the machine and now I am being robbed of {$XXXX} by Bank of America. I have a very difficult time speaking to somebody at bank of America who can properly assist me with this. The local branch manager is of no help whatsoever and I keep getting pawned of to 1800 ' numbers that force me to re-explain the entire situation over and over and over again, which results in a giant waste of time because nobody is willing to conduct a real investigation and review the camera footage to confirm that indeed I DID NOT RECEIVE {$XXXX} that day. I only received {$XXXX} as one of the withdrawals did not dispense any money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: TX
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:
HARD INQUIRIES i applied to purchase a new vehicle ( and vehicle insurance ) and the dealership submitted my information to several companies that placed a hard inquiry on my credit report. I called the credit bureaus to see what can be done, they advised me to contact each company to have them sent me a inquiry deletion letter but the companies do not know of such a letter. I called the credit bureaus back for assistance and was advised of my options which are to obtain a letter of deletion, file a police report or contact CFPB. I did not want to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: EQUIFAX, INC.
State: HI
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:
There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me ... XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX-XXXX, XXXX/XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

Also in accordance with the Fair Debt Collection Practices Act 2009, I am asking you to immediately stop all collection activities about this debt, including reporting to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of Identity theft, and can not be collected, sold or transferred. 

I have already notified American Express and have sent over all the necessary paperwork, I am also asking XXXX XXXX XXXX XXXX XXXX to do the same as stated on the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Someone sent me a text ( CITI-BANK-FRAUD ) Your card has been blocked due to recent transactions. To restore full access go to auth07-citi.com/secure? token From the phone number XXXX ( XXXX ) XXXX And I dont have Citi bank

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