BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I was involved in a car accident that put me behind in my bills due to loss of income. I called the my Mortgage company to let them know what was happening and was met with immediate hesitation and difficulty trying to get the facts and the process initiated just to star the process of modification and/or forbearance. It is now XX/XX/XXXX and I have submitted Loss Mitigation applications no less than seven times. In XX/XX/XXXX I was granted a mitigation hearing where the presiding judge found in my favor based on the proof of documentation and compliance with Dovenmuehle Mortgage's process. I have a an upcoming hearing on XX/XX/XXXX with the same judge as of XX/XX/XXXX I  received and email that stated that the information yet again is not in the proper format or cannot be accepted. I have live at my residence since XX/XX/XXXX and have never missed a payment. I feel that this situation will cause me to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
GMTHIS IS IN REFERENCE TO CASE NUMBER OR CASE XXXX. I have been given nothing but problems with locations within my area to retrieve funds from Western Union due to lack of ID. I have been sent this money by my sister, with the understanding that I would be able to retrieve funds without my ID as long as Security ( Test ) question info was provided to Retailer ( Per Western Union standards ). But Yet your company ( Western Union ), who pay the retailers and we ( customer/consumer ) pay you for the service of money transferallow retailers to BASICALLY OVERRIDE your rules and Advise said customers/consumers they have their own rules and can deny payment for lack of ID.I went to several retailers who advise they will not honor request without ID. So what good is this answer TEST ( security ) question when they still refuse to honor WESTERN UNION customers? To be honest, this seems fraudulent, to drum up business for your company and I am certainly going to have this looked into AND FORWARD THIS INFO TO. And will Make sure to put the word out how unhelpful your company is when honest, hardworking consumer/ customers are led to believed that your service provides all that it says it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I deposited a check at Capital One XXXX Bank. The bank did not state the check was invalid. The bank stated the funds will be available on XX/XX/2022. The funds were available on the XXXX. I began to withdraw using my debit card. And, on XX/XX/2022. The bank reversed the funds of the check deposit. Stating the check was invalid. Taking all of my account money plus an overdraft. The total {$2000.00}. I'm currently a part-time employee and on XXXX. The bank aided the swindle. I found out I was the victim of an employment scam. Transferring funds to a vendor for home office equipment and software. Is the way the new employment was described before paid training. I ended up being a money mule for the XXXX XXXX. Utilizing funds from an invalid check sent to my home via XXXX. I called Capital One on the XXXX to make sure the funds were available. They said yes. But, now after the funds were used. They claim the funds used via debit card are my responsibility. Capital One claimed all my XXXX. And left me with an overdraft to pay. I called on the XXXX and explained the fraud. And there error according to regulation e. They did not even give me a claim number. And stated on the phone that I was all enthralled in the scam. It was not for XXXX weeks later I called and received a nicer representative that I was emailed a claim number. By this time since there is an overdraft I was informed there was an investigation. So I had to ask for the case number. And I sent all the information I had about the scam. To this day I have not heard back from the investigator. And the same employment ad has been accessible on Facebook. Capital One still takes no responsibility for their banking error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last year with another collection company XXXX commissioned a different agency to collect a debt I do not owe and contacted CFPB to settle this {$110.00} bill, which XXXX never responded to. Instead sent this issue to a different collection agency to garner a different result. Now XXXX has commissioned Diversified Consultants, whom constantly calls my phone and has not addressed the previous issue which XXXX  breached the contract and did not provide the services I signed up for. I signed up for unlimited high speed services and was given what seemed like dial up services, ( slow and not unlimited ). So the contract was not what XXXX promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card was charged with fraudulent XXXX calls totaling {$23000.00}. I complained to Chase Sapphire and they reversed initial charges and issued me a new card. The following month they reversed the credits as well as added new fraudulent XXXX  charges. In summary Chase posted a total of {$23000.00} fraudulent charges with credits of {$11000.00} and a remaining balance of {$11000.00} still on my credit card. 
I have been talking with Chase bank for three months and they have done nothing to assist. They suggested I contact XXXX and ask for specific charge information which I have done. I received an email from XXXX telling me they could not provide requested information and that my ticket was now closed. 
Final correspondence from Chase Bank was that these charges were mine unless i could prove they were not. I simply do not know how I can prove something I never did. 
As a result of this Chase Sapphire dispute, Chase Bank reduced the credit line on an my other card, a Chase XXXX  XXXX, due to the disputed balance on my Sapphire Card. My Chase XXXX  XXXX card has always been paid as agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: GA
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 disputed these Items several times with Experianand they did not comply with 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

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 2019-07-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Been dealing with Wells Fargo Home Mortgage on the modification process which started after a natural disaster and family loss the repairs were completed and the inspection was approved recently had to signed the paperwork including a split signature due a change on the personal status spoke with multiple employees after received a email from Mr XXXX XXXX who guided me trough the process this process of modification was approved and completed on XXXX/XXXX/2019 I was informed via email today XXXX/XXXX/2019 I received a XXXX package with the old forms dated back from XXXX/XXXX/2019 in blank they sent a check list along with these and it seems they want me to start the process with these forms again I called the XXXX XXXX XXXX number and is disconnected then I proceeded to call the XXXX XXXX XXXX were I spoke with XXXX who got irritated and transferred the call to Ms XXXX XXXX who after a while she placed me on hold as she stated that another department will assist me she mentioned that the paperwork was damaged after call after call I ended with the customer care recovery XXXX who confirmed that on their end my Modification is been approved and completed so he seems confused so he suggested I open a complaint as according to the settlement team my paperwork was damaged misplaced he was not clear I then proceeded with the complaint as this exhausting and stressful process was completed on both ends and now two three days they sent me these blank forms to start all over again my information is been misplaced between their departments and personnel they must follow as their own email stated on XXXX/XXXX/2019 and they are fully liable for their lack of privacy protection on my personal information which was even notarize and sent back in great condition to them via XXXX according to the federal law they are obligated to answer my concerns and they are not able to at this pint after my multiple calls and talking to their employees there I have copies of the documents I sent to them never tough a Company like this doesn't take these type of legal documents seriously and protected according to the law

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 2021-08-04
Company: CL Holdings LLC
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: Account status incorrect

Complaint:
Jefferson Capital Systems is reporting a debt on my credit file that needs to be removed. There are so many things in this account that are wrong and I'm sick on having it on my credit. I called years ago and they told me it was for internet or something out in XXXX. I have no idea where XXXX is, I have never lived there. This account is surely not mine and I told them that in our conversation but they insist in putting fraudulent accounts on peoples account. Not only that, this account would be past the statute which is irrelevant because it is not mine. This needs to be removed immediatley. Remove false debts on credit can be considered fraud under both federal and state laws and I will not hesitate to bring legal action against Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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 a victim of identity theft and I did not benefits from any goods or services of this fraudulent account opened in my name without my permission. I am requesting for XXXX XXXX XXXX to remove and delete this fraudulent account from my Experian Credit report. 

I have never had any affiliations or accounts with XXXX XXXX XXXX. I have included a copy of my police report as well as the letter from XXXX XXXX XXXX for this fraudulent account to be removed and deleted from my Credit file. Why Does Experian still have this fraudulent account on my Credit report when XXXX XXXX XXXX instructed them to remove it? I am requesting for XXXX XXXX XXXX to send another request to Experian for this fraudulent account to be removed and deleted immediately. 

I talked to a Fraud Specialist at Experian who advise me to send a letter to XXXX to remove and delete this account. 

Please remove and delete this fraudulent account immediately from my Experian credit report : 1. Account name XXXX XXXX XXXX Account number : # XXXX Date opened : XX/XX/2019 Balance : {$8600.00}

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 2022-02-07
Company: VW Credit
State: KS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2021, I paid off my current lease in full ( early ) and purchased my vehicle with a cashiers check. I followed their instructions, I completed the odometer statement, bill of sale, etc. I sent everything via overnight mail and per their request, I sent a cashiers check to receive immediate credit. Therefore, they received and were to began the process on XX/XX/2021. I contacted my bank and verified the cashiers check cleared my bank on XX/XX/2021. I have called twice. On the 0econd of the two calls I was told, I would receive everything by XX/XX/XXXX. As of today, it is 81 days since they received my payoff, immediate funds, documents and still I can not register, my car in my name, pay the sales taxes, etc. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX AND I HAVE SENT COMMUNICATION TO CFPB AND RECIEVED A LETTER ASKING FOR INFORMATION FROM ME REGUARDING BAMK ACCOUNT INFORMATION AND NEED TO COMMUNICATE FURTHER WITH SOMEONE REGUARDING THIS PROBLEM. I FEEL SURE WE CAN RESOLVE RHE PROBLEM.. I KNOW NOW THAT IS N'T TRUE AND NEED TO FIND OUT MORE ABOUT THE ISSUE. PLEASE. COMMUNICATE WITH ME FURTHER AS MY EMAIL XXXXXXXXXXXX IS BEING HACKED AND NOW I WO N'T HAVE A PHONE UNTILL THE XXXX of XXXX 2017. XXXX XXXX XXXX XXXX XXXX XXXX TN 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 explanation
Consumer complaint received 2022-02-07
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:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS IN MY NAME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 am a victim of identity theft and I am requesting for Navy Federal Credit Union to remove and delete these fraudulent accounts from my XXXX and XXXX Credit files immediately I did not benefits from any goods or services of these fraudulent accounts. Someone opened up these fraudulent accounts in my name without my consent. 

Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I have attached a copy of my police report to this correspondence. 

Please delete and remove these fraudulent accounts from my XXXX and XXXX credit files immediately or legal actions will be taken against Navy Federal Credit Union : 1. NAVY FEDERAL CR UNION Account number : # XXXX Balance : {$1100.00} Date opened : XX/XX/2016 2. NAVY FEDERAL CR UNION Account number # : XXXX Date opened : XX/XX/2016 Balance : {$5200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have called capital one countless times to inform them the following names do not live at XXXX XXXX XXXX XXXX XXXX ny XXXX. These are family members or friends that capital one had agreed to remove from getting mail but we still continue to get mail for them. 

The following names need to be removed 1- XXXX XXXX 2- XXXX XXXX 3- XXXX XXXX 4- XXXX XXXX 5- XXXX XXXX 6- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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: Their investigation did not fix an error on your report

Complaint:
i had an a account with XXXX XXXX  i turn the car in voluntar on XX/XX/2019 i have a letter from them saying after car was sold i only own XXXX it show in my report i own XXXX it show im XXXX late payment when car was turn in it was only late that month XXXX and it show 2 repos which is not true

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 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The loans being reported are past the statutes of limitations. They are between XX/XX/XXXX and XX/XX/XXXX and should no longer be reported on 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 2022-02-07
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: Personal information incorrect

Complaint:
I have requested many times to have the following unknown addresses and employer Deleted from my Credit Report. The addresses are coming back verified because they are addresses belonging to my relatives that the creditors have sent documents to without my permission. 
XXXX XXXX Transunion - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX - Employer : XXXX XXXX XXXXXXXX

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 2018-01-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Complaint XXXX is not resolved. 

Company 's Response : Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. 

Apparently, Equifax is in unable to comprehend what they read! Therefore, I will try it again. Maybe a picture will be easier for them to understand. ( attached ) WHAT INFORMATION IN THE ATTACHMENT DOES NOT MATCH YOUR RECORDS??? 

A RE-WRITE OF THE ORIGINAL COMPLAINT : On XX/XX/XXXX, I received an email from Equifax that my " Dispute has been completed '' ( document available ). The email instructs to click on a link to review the results ; But I am unable to pull-up the report on Equifaxs website ( error message screen-print available ). As a result, on XX/XX/XXXX I called Equifax 's customer service at XXXX ; The call duration was one-hour, twenty-seven minutes and twenty-seven seconds, which ended at XXXX XXXX XXXX. After repeated requests for assistance to sign onto the Equifax websiteThe agent hung-up on me without resolving my problem. Up to six-weeks ago I was able to log onto the Equifax website using the exact same credentials as I used on XX/XX/XXXX. For whatever reason Equifax refused to match my input credentials with their information.

Company response to consumer: Closed with explanation