BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX as XXXX  and XXXX XXXX XXXX XXXX XXXX is committing attempting to steal my property. 

My name is XXXX XXXX. Im am trying to help media exposure and help with obtaining a civil right attorney.

Im being harassed by a foreign entity. The City of XXXX Court of Common Pleas and the Recorder of Deeds is corrupt with illegal and fraudulent deeds, assignments, notes. The Court has fraudulent paperwork causing severe harm and illegal paperwork in the court of law to sue without proof of claim. Police report was filed with the Police Police Department almost a year ago without any investigation being completed. Im a victim being attacked in the Commonwealth of Pennsylvania and NO government is completing due process on my behalf. I AM A VICTIM WITH NO PROTECTION! The Court and Police system is CORRUPTED and under ATTACK BY ILLEGAL PRACTICES. I NEED HELP. All my civil, human, homeowner, privacy, constitutional, consumer, citizen, fair housing rights are being violated. I would like a meeting. 

Mortgage backed securities fraud- XXXX XXXX  XXXX XXXXXXXX XXXX as trustees for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX  aka XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX all continuing mortgage securities fraud on my home trying to foreclose illegally. All the above entities lave been sued by the DOJ for this fraud from XXXX - XXXX but never provided me CONSUMER RELIEF & continues to practice unfair and deceptive misleading and fraudulent practices. 

Complaint lacks standing because chain of titles was broken when note was securitized. They have unclean hands. Corruption with the XXXX Recorder of Deeds has Fake, fraudulent documents included in lawsuit. Incorrect deed of trust, with incorrect amount of mortgage and incorrect date being used in lawsuit. XXXX Police Department has failed to complete investigation since filed complaint on XXXX. 

I have lots of evidence of my original papers and proof of the corrupt judicial system in XXXX. PLEASE HELP ME OR GUIDE ME PLEASE. Im representing myself in Civil and Supreme Court. One of the 7 Justices in the PA Supreme Court gets DONATIONS from the lawyers office handling the case. Its a BIG MONEY SCHEME but I have proof. PLEASE HELP ME. I am a XXXX XXXX XXXX  being victimized by a foreign entity with NO help or relief or remedy from the United States of America. Im afraid for my life due to the unlawfulness in the Judicial system in Pennsylvania. Please help 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 2019-06-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American Express reported late payments to the three reporting credit agencies on my account. Before they made the report, I called to negotiate with American Express that I was going through financial hardship due to a XXXX XXXX I had back in XX/XX/XXXX and a Motor Vehicle Accident I had in XXXX of XXXX. After my XXXX  XXXX, I was out of work for almost two years and didn't file for unemployment because back then I was unfamiliar with the unemployment 's system. In addition, the car accident in XXXX of XXXX, which led to me being unemployed cause I needed time to recover couldn't allow me to pay any credit card nor medical bills. The dates reported are as follows : American Express XX/XX/XXXX 60 days late All 3 report Agencies XX/XX/XXXX 30 days late All 3 report Agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Chime Financial Inc
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Subject : Chime Disputes Team Issues Claim ID : XXXX Customer filed dispute multiples times ( at least 5X ) on XX/XX/22 with Chime Disputes Team due to unauthorized charge from Merchant. Disputes Teams failed to thoroughly investigate uploaded documentation for Claim ID : XXXX. Disputes Team kept automatically marking the claim as closed without processing documentation that was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Rocket Mortgage and XXXX company underwriters failed to disclose important information before I signed application for a home that accepted my offer, paid for appraisal and placed earnest money deposit. The Lender gave me an approval letter and requested I pay for appraisal and earnest money deposit. After my application was signed and after I paid for appraisal and deposited {$1000.00} in earnest money to the XXXX XXXX XXXX XXXX  was when lender said they could not verify my income. They said my large cash deposit could not be verified because it has not been 60 days since deposit was made. I then replied " why didn't you informed me about this earlier and not waste my time. '' They then replied that I can have some one gift me deposit money. I said " that would be a lie. '' They ask me to lie anyways. The lender said they would verify donor 's bank statement and after verification I should give the donor the money so that they can make a cashier check, where it appears the donor is giving me the money. Once house is close I give the money back to donor. I replied, " I will not lie about a fake gift ''. 
Rocket and FHA discriminated because I am XXXX and my Husband is XXXX and the Sellers have XXXX last names. Lenders received my bank statement twice and never told me that large cash deposit have 60 day policy. Office lender said, " I don't know how my underwriter missed this important information when you first submitted loan application ''. 
I feel the company pretends to give services to minorities to meet compliance regulations but do not intend on giving the minorities an opportunity to buy or sell property. This seems to be the case with me and seller two minority groups trying to buy and sell. Rocket Mortgage and FHA meet quotas and legal standards by offering services to minority groups legally but purposefully red line the groups in a very subtle manner because there end goal is to red line in a technically legal manner. Rocket Mortgage and FHA purposefully discriminated against me and seller by not disclosing proper closing procedures before closing process started instead of disclosing all information prior to closing process began.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX .... Balance : {$670.00} XXXX XXXX XXXX  XXXX .... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According

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 2020-02-05
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX XX/XX/XXXX My Mortgage Lender *XXXX* Turn My Mortgage Over To [ Fay Servicing ] ... I Attempted After Making 1st. Payment In XX/XX/XXXX To Get The Mortgage Set Up In A First Of The Month Status! So Payment Would Be On Time! I Was Told By [ Fay Servicing ] To Submit A *Loan Mitigation Application* I Was Not Delinquent At That Time! I Submitted All Documents Requested In XX/XX/XXXX Since Then I Submitted Documents 4* Times Total! Fay Servicing Keeps Making Excuses And XXXX To Me About My Application! They No Longer Return My Calls Or Emails And I Have Attempted Numerous Times! I Need Resolution In Order To Get Mortgage In Proper On Time Status! With No Response Other Then To Continue To Ask For The Same *Documents Over And Over*!? My Delinquent Amount Is Sinking Further! I Am Prepare And Had Been Over The Last 60 Days To Make Payments! I Did Make A " '' Partial Payment '' '' XXXX XXXX Only To Have That Return To Me!? Fay Servicing Is " '' Forcing Foreclosure " '' On Me! And Now That I Am Aware Of Them Involved In " '' Dual Tracking '' '' Behaviors I Know Now That They Have Been *Back Tracking* My Mitigation Application On Purpose!? ... I Need Imediate Resolve To My Application I Will Again Attempt Submitting Loan Application Documents On XX/XX/XXXX Only In Good Faith On My Part That I Am Trying! ... This Frustration And Stress On Me Was Not Neccessary And Should Have Been Resolve At Minimum 60 Days Ago!? ... I Ask Request " '' Urgent Attention '' '' And HELP ASAP! FOR [ URGENT RESOLUTION ] SINCERELY ... XXXX XXXX ... PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/1923 I made {$900.00} payment to Amex. AT XXXX set on XX/XX/1923 I noticed that there was no funds in the checking account assigned to the payment and it didn't go through so I made sure money was there and tried another payment. At XXXX XXXX  Est I had an available of {$1300.00} but my card was declined at XXXX for around {$56.00}. I called AMEX and was told my entire account to include employee cards are on hold until the original {$900.00} payment is made so they are going to try 2 more times and after that wait 7 days if it is not there. I explained I paid it earlier on the XXXX. I was told it don't matter and I shouldn't have made the payment on the XXXX I called on XX/XX/XXXX and I was told this process is standard and they can not stop it. I explained I am losing business, invoices is not getting paid on my auto payments I have set up on this card. I asked them to provide me where this is written in my statement or terms and service they could not provide. I have lost money and business due to them freezing my account without any notice and terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never contacted by Wakefield And Associates not even when the supposed debt was transferred to them. I did not receive any written notification via mail from debtor or the collection agency. If either one had contacted me within the 1 year period after supposed date of service than I would of had the chance to submit the debt to the insurance company for payment. Since gaining knowledge of the alleged amount that I owe I have tried diligently to contact not only the debtor but also the collection agency to not only verify the debt but also to find out why it was not submitted to my insurance company or why I wasn't notified. The agent asked me for my insurance which I provided but my insurance company declined the supposed debt because it was past the 1 year mark. Now that Wakefield And Associates have taken over this debt they have not verified its authenticity and are CHARGING ME INTEREST to the tune of {$400.00} more than the debt is. I would assume that is why they have not contacted me during the time of which I could have had my insurance company investigate further the validity of the debt. I want this debt removed from credit report until the creditor/Medical company can prove the debt is valid and provide me with the documentation from where it came from.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to 15 U.S.C. 1681i XXXX, XXXX XXXX Trans Union shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and RECORD the Current Status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The credit bureaus mentioned above have absolutely Violated my rights numerous times. I have attached my disputes for each credit bureau, my identification information and the certified receipts for when I sent my disputes to each credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: IN
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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: MORGAN STANLEY & CO. LLC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking account and savings account with E TRADE Financial and after setting up direct deposit with my employer and funds were available in my checking account, E-Trade Financial placed a block on my account and asked me to send in documents to verify my identity to release the block on my account. After sending in requested documents over and over again, because everytime I'd call in to check status of my account a new representative would ask me to send in the same documents over and over. Finally after calling for several weeks I was advised that my accounts have been closed and at first I was advised that I would not be able to access my funds. Then after escalation I was advised again to send in the same verifying documents to be able to change the account to withdraw status only so they could send me a check of the balance in my account. I called again on XX/XX/23 and the rep that I spoke with again stated that he is unable to locate any of the documents I've sent in and I would have to send them in again. I've been going on over a month now where I have not been able to access the funds in the account that are from my employer. This has tremendously impacted my life in many different aspects as well as causing me to become late on most of my bills because of not being able to access my funds that I worked hard for, because E-Trade has a block on my funds. Everytime I call in the reps never seem to no what's going on based on notes on the account or able to find the documents that I've submitted more than enough times to verify my identity. I desperately need assistance in being able to access my funds in the account whether that's via a check or allowing me to use the debit card one last time to withdrawal the funds. I am very close to losing everything because of not having access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2020-11-27
Company: Cash Advance Centers of KY, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received 2 payday loans on XX/XX/2020 that totaled {$500.00} that I was positive was paid back in cash but the workers claim it wasn't paid. I was at XXXX XXXX and called the state and found out what day and how much and they said there is a 10 year statute of limitations law that they can't collect over 10 years anyways so she tried to get the worker at cash advance to dismiss the checks but the worker said they would not so I was told that this was not following the rules of statute of limitations and I need to file a complaint to have these dismissed. Please help on this situation.

Company response to consumer: Closed with explanation