BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
'' We placed {$1300.00} in suspense on XX/XX/XXXX, because we needed to verify two items deposited into your account prior to the closure. 
We were able to verify the items on XX/XX/XXXX, and we mailed a check for {$1300.00} on XX/XX/XXXX, to the address we have on file for you. '' Why it took many years to verify 2 deposits? 
This is the normal time needed? 
Why does it take you many years to verify only 2 deposits? {$1300.00}. It was only 2. Had it been 3 or more, how many centuries would it take you to verify? 
Had I not resolutely kept on jpmc, workers sm XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. It would have been more years, as obviously jpmc workers had been just ignoring it. 
I spoke with rs Worker XXXX about the most recent distribution, which XXXX ignored, never taking care of it. 
It was easier for all workers to just ignore it. 
All other coworkers ignored it, still had a job, got promoted, why not them too, right? 

''Our associates have made repeated attempts to contact you and gain clarification of any further concerns you may have about these transactions. '' Lies. 
Untrue. 
Workers sm XXXX XXXX XXXX, XXXX XXXX XXXX all had my telephone number and e mail address, methods to be in touch with me. Though their contacts were useless meaningless and unwilling contacts for show. 
None truly willing to get any mistakes of XXXX XXXX righted, taken cared. 
Workers XXXX XXXX, XXXX XXXX had repeatedly attempted to avoid, ignore me. 
Worker XXXX XXXX ignored my e mails. 
These all had my e mail address and telephone number. None contacted me later when nothing was ever done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Numerous CFPB complaints have been filed pertaining to unauthorized accounts and fees charged to them. I reasonably requested a refund in the amount of {$610.00}, this amount reflects prior remedy refunds received. Wells Fargo responded by mailing me several mediation request forms, a total of four were filled out, requested refund in the amount of {$610.00}. XXXX XXXX with Wells Fargo contacted me, offered a settlement amount of {$3700.00}, which was accepted in XXXX. It is now XXXX, no payment received, I am now making additional requests for refund in the amount of {$610.00}. Wells Fargo rep by the name of XXXX XXXX replies via CFPB portal claiming to have made numerous resolution attempts, exhausted all resources, etc.. His reply is a duplicate, still has not mentioned one such attempt at resolution. It appears he chooses to submit a general form reply and use it as a duplicate to avoid going in to any supposed attempts at resolution, knowing they are false.. I can assure the CFPB his claim of making any attempts at resolution is entirely bogus, a lie. I have not received any contact from Wells Fargo since XXXX, no calls or emails from anyone attempting to make resolution. I spoke with an attorney, was advised to inform the Federal Court of Wells Fargo bogus settlement offer, also to file a small claims suit. That being said, I emailed the attorney for the class, informed him of what happened. Prior to this, I attempted to resolve this matter directly by calling Wells Fargo corporate officer, a total of three calls were made ... .I spoke with two reps by the name of XXXX XXXX a third by the name of XXXX XXXX all of whom could not locate any cases under my name or notes thereof. On the third call, I attempted to reach XXXX, the rep could not locate him ... In closing, I wish to reiterate any claims of attempts at resolution by Wells Fargo are 100 % false, a lie. Their only contact with me was through XXXX XXXX whom offered a bogus settlement, did not send any payment, nothing received to date.. Further, Wells Fargo is fully aware of resolution, which is to refund {$610.00} since they did not honor settlement offer..

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 2023-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2023 I pulled my credit and I had 8 inquiries. I did not authorize them Please have them removed. They are XXXX, XXXX Bank of America and XXXX XXXX XXXX XXXX XXXX Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian is in direct violation of the FCRA and Gramm Leach Bliley Act. Failing to answer my dispute in timely manner. as well as Reporting unverified and innacurate information on my credit report. Please refer to the documents attached

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 2023-07-25
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a mortgage broker that used to work simultaneously with United Whole Mortgage ( UWM ) and XXXX XXXX  ( now XXXXt ). I would shop both lenders for my clients to get them the best possible rate and pricing. As you are aware, UWM came out with a Broker Addendum ultimatum that dictated that if we wanted to continue working with them, we had to stop doing business with XXXX. It further stated that if we signed the addendum and still sent loans to XXXX, we would be fined by them. I elected to not sign this addendum and UWM cut me and my clients off from doing business with them. 

I received a call from UWM 's Vice President of Sales, XXXX XXXX on XX/XX/2021 asking me to sign up with them again and he would give me his best top tier pricing that they offer to their largest broker companies, even though I am a small one man shop. But, I still had to sign the addendum agreeing not to do business with XXXX. I asked him point blank, " does UWM allow their largest broker clients or any broker to continue doing business with them and XXXX without signing the addendum or enforcing their fine on them or cutting them off from doing business with them if they did sign it and still used XXXX. He said " absolutely not, they apply their rule evenly to all brokers ''. I called up my former UWM rep, XXXX XXXX on the same day and he said the same thing that they are not allowing brokers to work with them and XXXX. 

Today, I had an interesting conversation with XXXX XXXX a retail Loan Officer with XXXX Lending out of XXXX, AZ. I called him from a solicitation I received in the mail regarding refinancing my house. We spoke at length ( 23 minutes ) about what his company could do for me on a loan and informed me that his company works with the top wholesale lenders in the nation, UWM and XXXX. I did not solicit this information from him, he said it as as a sales tool and that he has loans going currently with both UWM and XXXX right now. I asked him about the ultimatum addendum that UWM wanted them to sign as well and he said his CEO, worked it out with UWM that UWM 's ultimatum did not apply to them. He said, " we had to punch them in the nose then give them a hug ''. When calling into their company it states their calls may be recorded for training purposes, so the call may have been recorded. 

I know CFPB is aware of this ultimatum that UWM imposed on the broker community. It seems to me, to be a anti-competition / anti-trust violation that hurts consumers. What is CFPB 's position on this issue and the fact UWM does not apply it to all their brokers across the board? 

I look forward to your reply. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-XXXX  XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 
There were/are multiple notifications by the alleged student loan servicer-XXXXt for overpayment from my bank account. Yet the alleged student loan servicerXXXX   continues to take this money automatically from my bank account and continues to record non-payment of this private student loan with late fees. 
This willful fraud was conducted, since the inception of this private student loan The alleged student loan servicer-XXXX continues to Defraud and Create a Fraudulent Loan Balance of this private student loan with Late Fees, even after taking illegally withdrawing Excess Funds from my Bank Account XXXX  Equifax and XXXX XXXX reported Fraudulent Loan Balance of this private student loan and violated FCRA without proper verification of the Loan Balance of this private student loan, even after two ( 2 ) previous requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I asked XXXXXXXX XXXX to remove my late payments since the loan was paid off XXXX XXXX2023 XXXXXXXX XXXX has 15 late fees I paid off when I paid the balance in full XXXX XXXX 2023. XXXX XXXX said they can not remove the 15 lates fees which were not my fault. I asking for XXXX, XXXX and equifax to remove the late fess. I am trying to buy a house and the late fee changes are hurting me. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid an escrow shortage for my mortgage in XX/XX/XXXX of XXXX as requested by US Bank Mortgage to keep my monthly mortgage payment low. According to my statement my new amount would be XXXX starting XX/XX/XXXX. US Bank misapplied my payment which resulted in them sending out another letter in XXXX of XXXX for additional money still stating I had an escrow shortage. I spoke to XXXX on XX/XX/XXXX and he opened an escrow task and assured me the problem was on their end and would be corrected by the end of XXXX. I received yet another statement in XXXX stating there was still a shortage and that my payment would be increasing unless I paid more money. Even if I paid the claimed shortage, the new monthly payment will still be higher than what I was told back in XXXX. I called again on XX/XX/XXXX and spoke to XXXX and she basically informed me the last escrow analysis was correct and there was nothing she could do for me...... ..I 'm being penalized for a mistake by US bank and someone needs to correct it. I'm retired and on a fixed monthly income and every dollar counts ... ......

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 2019-12-15
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: Their investigation did not fix an error on your report

Complaint:
There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-XXXX XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 
There were/are multiple notifications by the alleged student loan servicer-XXXX for overpayment from my bank account. Yet the alleged student loan servicer-XXXX   continues to take this money automatically from my bank account and continues to record non-payment of this private student loan with late fees. 
This willful fraud was conducted, since the inception of this private student loan The alleged student loan servicerXXXX continues to Defraud and Create a Fraudulent Loan Balance of this private student loan with Late Fees, even after taking illegally withdrawing Excess Funds from my Bank Account XXXX XXXX and Trans Union reported Fraudulent Loan Balance of this private student loan and violated FCRA without proper verification of the Loan Balance of this private student loan, even after two ( 2 ) previous requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, XXXX XXXX XXXX ( Notary ID:XXXX   Cert. GG XXXX, Exp.XX/XX/XXXX, Bonded by XXXX  XXXX XXXX XXXX  ) deliberately notarized fabricated documents on behalf of Mortgage Electronic Registration Systems ( MERS  ) and Bank of America ( BOA ). The mortgage assignment documents assigned from MERS to BOA thru e-recording on XX/XX/2018 have no book #, no page #, and XXXX XXXX XXXX under Florida Statute Section 117.107 ( 9 )  never identified the signer was present with notary at time of signature, Failed to Confirm the Identity of the Person Who Signed under Florida Statute Section 117.05 ( 5 ),  Notary misconduct left Substantial Portions of the Jurat of the Instrument Blank Prior to Notarization under Florida Statute Section 817.107 ( 10 ). 
Please note attachments that support my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of credit report below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-11
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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXBalance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$170.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX 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