BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of Trans-union Inquiry Issue and customer service would not help and take care of the negative inquiries reporting on my credit report. Please refer to the inquiries below : Business Name : XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Name : XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX BANK Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance Companies - non specific Business Name XXXX BANK XXXX. 
Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Bank XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX Business Type Complete Department Stores Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Home Furnishing Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Miscellaneous and public record Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Banks and XXXX & XXXX Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance, personal

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 2019-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am registering a new case because my previous case was closed and I still have some follow-up action items for the business against whom I had filed a complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Complaint # XXXX STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I would like to add the following comments to the case : As per the response from the Chase Bank, they store customer call recordings for 30 days after the telephonic conversation. If I made a stop payment over the phone on XX/XX/XXXX and they processed the stop payment on XX/XX/XXXX, they should have the telephonic recordings with them until XX/XX/XXXX. 

I filed a complaint at the XXXX Chase Branch location on XX/XX/XXXX ( response and claim number attached below ), and on that date the branch confirmed it was an error on their part. 

Given that I had already started to register a complaint when they had the audio recording, they should have saved the audio recording but unfortunately, they let time pass by and now they dont have the recording anymore. 

I did mention my Full Name, Debit Card Number, Birth Date for verification on the phone, also verified the amount and who the Check # XXXX was addressed to. I did also mention which account the check should be issued from. 

This is a clear mistake on Chase Bank 's part but they refuse to acknowledge. I am disappointed in the way they operate and do business. 

Below is a Notice from Chase Bank that I received for a complaint filed on XX/XX/2019 from a Chase Bank branch location ( XXXX, WA ) before I filed another one from XXXX on XX/XX/XXXX. Their response clearly states it was a mistake on their part. Yet, I have not received my money back. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Date of Inquiry : XX/XX/2019 Claim Number : XXXX Card ending in : Account ending in : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX XXXX, Thank you for contacting us about the transaction ( s ) on your account. We researched the transaction ( s ) you reported and agree they were incorrect. We approved your claim and it is now closed. The temporary credit ( s ) we placed on your account is now permanent and includes any applicable fees and interest. 

If you have questions, please call us at XXXX XXXX. We're available anytime. Sincerely, Customer Claims Department Enclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: SLM CORPORATION
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: Problem with personal statement of dispute

Complaint:
I have been contacting them since XXXX of 2019. Still unable to show me any proof of consent. Im unable to continue my studies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions 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:
I hate you experin your not fair with me you have my police report and you block any fraudulent information recently when I called you told me we ni linger do this this is horrible how can you say this to me

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: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have applied for and closed on my residential mortgage loan with TD Bank. I was provided a loan estimate on in XX/XX/XXXX and again on XX/XX/XXXXand closing disclosure on XX/XX/XXXX without New York State and XXXX XXXX XXXX  property transfer taxes disclosed to me. Section E of the Loan Estimate was disclosed on all of these documents to be {$70000.00} which was sum of all transfer taxes. I received a revised closing disclosure on the evening of XX/XX/XXXX with {$27000.00} of property transfer taxes added. This was the evening before closing! I closed my loan onXX/XX/XXXX. This disclosure was provided less than 24 hours prior to closing. It is also my understanding that New York Real Estate Transfer taxes must be disclosed on the original Loan Estimate and can not be redisclosed ; and certainly not less than 24hrs prior to closing. This was a shock to see the additional required funds for closing and it amounted to {$27000.00}!!! I contacted my loan officer via email and phone on the evening of XX/XX/XXXX and again in the morning of XX/XX/XXXX before and during closing which was scheduled for XXXX. She would not respond to any emails and did not pick up/return my calls. I was forced to close under duress as this was a home purchase and I had movers already packing my current home and family in transit to the new property. My most recent contact at TD Bank was XXXX XXXX, Ops Manager ( XXXX  ) XXXX and XXXX XXXX  in Operations ; neither of them expressed any interest in addressing the matter. My attorney drafter a letter onXX/XX/XXXX to XX/XX/XXXX ( Chief Risk Officer ) and XX/XX/XXXX ( General Counsel ) at TD Bank at corporate headquarters with all of my supporting documentation and requested a prompt reply. It has been over a month and we have yet to hear back. I am livid that any lender, especially one of TD Bank 's size can operate in this manner. I was provided disclosures on the eve of my purchase transaction with an additional {$27000.00} out of the blue and when questioned, nobody would return an email of phone call. When i continued to request to speak to management, I was connected to a sales manager to told me TD Bank did nothing wrong and that's all they could say and would not elaborate. Absolutely horrible for TD Bank to operate in this manner! After speaking with my attorney, i understand that this type of transfer tax can not be added as a change or re-disclosure, again certainly not on the evening before closing! For a bank to disclose this large sum with no explanation at the very last minute is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Coinbase, Inc.
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:
I was sent unauthorized charges due to an XXXX error on XXXX 's behalf. 
Disputed the charges, resolved the issue. 
Due to the issue, I unlinked my card and closed my account in order to not have any more charges sent. 

Figured coinbase issues were solved so I sign up, verify identity, payment info ... and they will not unblock me to make purchases. I submitted tickets and were told I'd receive a message back in a few days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Rent Recovery Solutions
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: Account status incorrect

Complaint:
XXXX and XXXX Compliant Numbers were resolved acknowledging that Rent Recovery Solutions and Rent Recovery Solutions XXXX would be removed from my credit report completely. XXXX still remains on XXXX when it should have been removed. I have reached out to XXXX  no response concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells took my home in a illegal Short Sale. Which was a Conflict of Interest.

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 2019-10-07
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They refuse to process any of my applications either secured or not secures I want to build a relationship with them but they wont allow me send me XXXX   letters saying that I was a bad customer when I call them they wont tell me how long I have to wait its like they think Im a fraud they treat me horrible and its just horrible they recommended I apply for a secured cars with my own money so then Im Not a high risk because their not lending me anything but they decline me for that as well I dont know what else to do with this bank their so discriminating even though I never had any accounts with them Thisbe bank must be investigated I wont stop until they seek resolution because its nit fair how they behave with me their fraud department is awful their is a rude guy their 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 2019-05-21
Company: EQUIFAX, 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:
I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. I information has been compromised from someone. 


1 ) XXXX XXXX XXXXXXXX Opened- XX/XX/XXXX ( 4 yrs, 6 mos ) - amount {$1400.00} 2 ) XXXX XXXX opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount- {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I have never had an account with XXXX XXXX They have reported a collections account # XXXX to all three credit bureaus since XX/XX/2016 for a amount of XXXX. I have submitted letters to three bureaus asking them to ask XXXX to validate, meaning send me paper with my signature on it and they have yet to send anything and its still reporting negatively on all three reports. THEY HAVE NOT SENT ME OR THE BUREAUS ANYTHING but a statement saying its mine with NO SIGNATURE. I have disputed twice this year. Every time I dispute XXXX results In more and more phone calls from their " Legal team '' which I am not to sure is a real legal team. They have threatened to sue me every time. Just this past month I contacted both the bureaus and XXXX XXXX trying to get this collection agency to send me proof that they have even have a license to collect in the state of Ohio because I've researched on that the secretary of state page and even spoke with a representative and they verified that they can't find a license to collect. When I called XXXX XXXX asking the same question they transferred me to their legal time. When speaking with the legal team they wanted me to make a payment before they went any further. THIS DEBT IS NOT MINE. XXXX XXXX DOES NOT HAVE A LICENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: NV
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:
To Whom it May Concern : I am writing to update/correct my personal information on file with Equifax, XXXX, and XXXX. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: OH
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2018-12-15
Company: Southwest Business Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We close on our home XX/XX/XXXX, FHA loan, SWBC Mortgage Company. Since our very first payment, SWBC has not kept accurate records of payments they said we missed our XXXX XX/XX/XXXX payment. on XX/XX/XXXX we paid {$4600.00} because they said we missed XX/XX/XXXX payment, so the XX/XX/XXXX payment was for the missed payment for XXXX which brought us current. XX/XX/XXXX we paid {$2300.00} on XX/XX/XXXX we paid another XXXX because they said we was behind again, but we where current because we took out our 401 plains to make those payment to become current. 
Every since then records have not been accurate both double payments kept us behind along with XXXX having to go on workman compensation for a XXXX so we ask for a loan modification.On XXXX XXXX that's when the loan modification was granted along with a trial period we passed the trial period. XXXX XXXX HUD gave SWBC {$95000.00} toward our account it took our payments for {$2300.00} to {$1600.00} per month. After we were granted the loan modification our payments were {$1600.00} our payments went up to {$2100.00} per month. This is not a loan modification. 
We have tried numerous of times to work this out with SWBC to no avail. Now we are right back where we started, XXXX, XXXX we paid {$1600.00} and XXXX we paid {$1900.00} now we are at {$2100.00} per month. This is no loan modification.

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 2018-10-09
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
An American Express customer service representative has been calling a family member, to ask for my personal information like social security number, DOB, adress, for a credit card debt i have, this department calls daily, at all hours, weekend to my cousing to his home wich i have live before, my cousin informs me. My cousin told him that he could not give me that information because it is personal and he was not authorized to give this information and he dont have anyway. He does not know this information to give, the person insisted that give it to him because it is a debt with american express.

I had talked to them before and told them that if I could fill out the form fo the card insurance because to pay off the deb, I lost my job almost two years ago and Iam not working, they refused to give me that benefit.

I would like for this to be investigated, and give me the benefit that I have for the insurance of the card that come with it, my account should be completely paid by them, according to the law, also for the harassment to my person and my family, as well for denying me the insurance benefits of the card.

I hope you dep can help me with this abuse of power and influence that American express has.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter ( here attached marked as Exhibit A ) requesting physical verification of the Wells Fargo Auto account on my credit file. According to FCRA Section 609 ( a ) ( 1 ) ( A ) they are required by law to verify through physical verification of the original signed certified consumer contract. I demanded to see the verifiable validated proof of the original consumer contract with a wet-ink signature on it. 
. 
On XX/XX/2021 I received a copy of a contract from Wells Fargo. ( Exhibit B ) Copies of copies are not validation and by law are not considered proof! 
. 
Under the FCRA unverified invalid accounts must be removed! Section 611 ( 5 ) ( A ) ( 1 ) of any information disputed by a consumer, an item of the information can not be verified the consumer reporting agency shall promptly delete that item of information from the consumer 's file. 
. 
Wells Fargo failed to provide me with a verifiable validated proof within 30 calendar days. The law is very clear to the Civil liability and the remedy available to me for the negligent noncompliance ( Section 617 ) for the failure to comply with this Federal Law. 
. 
In addition to this, pursuant to 15 U.S. 1692g and 15 U.S. 1691 ( e ) ( f ) ( Exhibit C ) I am the original creditor so therefore Wells Fargo can not validate the credit that I originally extended to them. So this copy of a contract is not validation. Only the original, not the holder can validate this debt. They failed to prove that this debt belongs to me. So this constitutes as a no response within the 30 days requested. 
. 
The unverified Wells Fargo Auto account should be removed from my credit files with XXXX, XXXX, XXXX  and XXXX immediately.

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 2019-10-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan mortgage modification. I was approved. The mortgage is requesting a down payment. When I questioned the request for a down payment the mortgage company increased the required monthly payments. the monthly payment is unreasonable.As senior citizen, and want to stay in my home I feel the mortgage company practices are unlawful. The deceptive practices are not in the spirit of helping families stay in their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TD BANK US HOLDING COMPANY
State: VA
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:
I recently travel to XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. My credit card was stolen. I called in to TD Bank customer service department indicating that my card was out of my procession. A charge that I did not authorized shown up on my account - XXXX XXXX XXXX XXXX XXXX for {$460.00}. 
I noticed that two adjustments were made to my account. First adjustment was for a credit in the amount of {$460.00} and another for a debit in the amount of {$460.00}. 
These adjustments do not correct unauthorized purchased against my account. 
I requesting that TD Bank honor its commitment to its customers regarding fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On the XX/XX/2021 I had received a payment of XXXX Ethereum coins into my Blockchain wallet. I had wanted to exchnage this into a cryptocurrency called USDT. I sent the XXXX Ethereum, valuing XXXX GBP at the time to another wallet. However, my payment had not arrived. 

I checked the website and it showed my transaction was under review. I read the XXXX XXXX XXXX and there was nothing about placing crypto transactions under review. I have contacted support a handful of times via email and twitter yet I have not received a response almost a whole week later. 

This is causing me to lose money

Company response to consumer: Closed with explanation