BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On the day from XX/XX/XXXX chase bank banned for life and closed my checking account with them, after I transfer XXXX dollars from the its to my joint account in XXXX XXXX, that I have with my husband, I tried to present the documents and tell them where the money came from because I got married last year and I haven't been working because my husband takes care of my so my XXXX  was having an amount of XXXX each month of expenses they tread me poorly and I think they even made this desicion because I'm a foreign person but I have the right to have and account because I came to the United States as XXXX and not ilegal or anything I can proof my identity I can proof where they money come from but they just banned for life over a transfer that was the money for the its, they didn't even let me explain and ended their relationship with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XX/XX/2022, XXXX XXXX sent a refund for {$3500.00} in a check that was written to myself and my ex-wife. The check was written as PAY TO THE ORDER OF : EX-WIFE & MYSELF. On XX/XX/2022, EX-WIFE endorsed and cashed the check without informing me that she had the check or my endorsement. Wells Fargo cashed the check without my endorsement as well. 

I called Wells Fargo informing them of the issue and filed a formal complaint. I received a call on XX/XX/2022 from the complaint department. They stated that the check should not have been cashed and that they were in fault, but there was nothing they could do. The case was closed leaving me less the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was held for more than 180 days. It was held since XXXX. The Paypal user agreement states that funds can be held for a maximum of 180 days. Paypal have not responded to me even though this deadline has passed already. I want to withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : 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 2019-12-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I continue to get calls from the offices of XXXX. At first I received a call from " XXXX  county courts '' saying that ill be served if I don't call the law office. they then gave me a case number. when I called the courts back they stated that the person didn't work there and they had no record of the case number because it was missing a digit. the case number they gave me when they called me was it I triple checked. then later I called XXXX and they said they were collecting a debt for ace cash express and they made 2 attempts to contact me and now they'll have me arrested.

stressed out I called ace and they said that they no longer had the debt. now I am completely confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items below : XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COLLECTION NOTICE FROM : A.R.M. Solutions for the amount of {$28.00}. 

This was regarding a newspaper subscription from the XXXX XXXX newspaper that was ORIGINALLY subscribed through XXXX XXXX REWARDS program at the beginning of XXXX of XXXX for 1 YEAR ONLY. I was NEVER given any type of notice that if I didn't personally contact the XXXX XXXX after the 1 year expired, that i would be AUTOMATICALLY re -subscribed. i assumed that after the subscription ended, that i would not have to do anything if i didn't want to " RE-UP ''. I contacted the collection agency by phone on XX/XX/XXXX at Approximately XXXX Pacific time and spoke with a representative from A.R.M. and he told me that if i was to pay the {$28.00} now, that they could contact the XXXXXXXX XXXX and see if anything could be done.. 
He said that the XXXX XXXX already paid them, so why would you think they pursue this matter any further???? Sounds fishy to me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We moved out of our apartment complex back in XX/XX/XXXX. I one day out of the blue for college needed proof of residency for college. Getting a record of my last apartment to prove I was living in Florida I had to email my apartment complex. When they responded they didn’t explain anything other than we owed them XXXX$. We sent certified mail to them and a check and they returned it to us saying they sent our information to a debt collector whom we’ve never even knew or heard about before. they weren’t going to bother us until I contacted them over almost 6 months later. We sent a certified letter as well to the agency within the 30 days of never receiving notice about such a debt. They are ignoring us and won’t respond back to our certified mail that was sent out. We believe this is unfair and the fact no notice was ever given. It’s all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I want my late payments removed from my credit report. The loan is current and that particular loan has been transferred and closed.

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 2020-10-07
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We sold our house on XX/XX/XXXX. Homebridge is the mortgage company with our escrow account that would need to be refunded. 
XX/XX/XXXX XXXX We call Homebridge about our refund for our escrow. We were informed their policy is 17 days after the close of the house. We were given the amount of the refund and that the check should arrive by late that week or early the next week. 
XX/XX/XXXX - Called Homebridge, we should have received the check by now, verified our new address and they would reissue check. 
XXXX XXXX Had not received refund check yet, called Homebridge , checks are slow due to covid and may take extra time. Informed her a check was to have been sent over two weeks ago, she verified we should have received it. She would expedite this and see if a new check could be sent out. Again, we verified our mailing address. 
XX/XX/XXXX - Had not received check, so we called Homebridge again. Check had not be issued yet, but was going to be expedited. We are closing on new house on XXXX XXXX and this refund check is needed for part of closing costs. Was going to expedite this and get a check issued. To call tomorrow afternoon and they would have information on check being sent out. 
XX/XX/XXXX - Called Homebridge, check not issued yet, would have check issued and overnighted by XXXX  XXXX, call tomorrow for tracking number. 
XX/XX/XXXX - Called Hombridge, Check has been issued, but did not have a tracking number for it.Should receive check on Monday by XXXX  XXXX. 
XXXX XXXX Did not receive XXXX  XXXX package. Called Homebridge, should received today or tomorrow ( tuesday ) did not have tracking number but did give a XXXX XXXX   confirmation number XXXX XX/XX/XXXX - Did not receive check. Called Homebridge. No refund Check has been issued by XXXX. Would expedite and have a manager call today. 

Well no manager has called us today or tonight. I should include that during these calls on these dates, it was never the first call, we would have to wait 35 to 45 minutes for someone, who would hang up and then we would have to make the call again. Overall we were hung up on 12 times. 
So in essence, we have been hung up on multitude of times, lied too a multiple amount of times and still no payment. We are having to liquidate some funds to we can pay for our closing on XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, went to XXXX XXXX XXXX XXXX I was in need of a car and I was asked for my driver 's license plus my SSN. The car that I choose was a XXXX XXXX XXXX with XXXX miles. After my information was input into their system I was asked to pay a down payment of XXXX XXXX XXXX their finance department completed a credit application. I left the lot thinking that everything would be good my payment where XXXX monthly with self-employment I was able to pay. XXXX months in I found myself not able to work like before due to the XXXX XXXX out brake and the high number of people that contracted the virus. I informed Ally of this issue and that my payment would need to be postponed for a little bit. My aunt paid the bill that was passed due also the current payment which was XXXX then I paid XXXX XX/XX/XXXX. This debt is an alleged issue as followed I was not supposed to give any type of cash when I first got the car. 
FCDA 1602 ( J ) - " Open-end Credit Plan " are the subject of the transaction are primarily for personal, family.

1605- in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, PAYABLE directly or indirectly by the to whom the credit is extended.

15 USC 1691 ( d ) 6- Harassment of physical person, reputation, or property of any person 1602- In case the case of an open-end credit plan involving a credit card, the credit card ISSUER and any person who honors the credit card and offers a discount which is a finance charge is CREDITORS.

15 USC 168-Consume reporting agency shall promptly provide to the person who provided the information in dispute all relevant information.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
i am not liable for this debt 1.Account Name : XXXX Account Number:XXXX 2.XXXX XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX XXXX Account Number : XXXX 4.Account Name : XXXX XXXX Account Number:XXXX 5.Account Name : XXXX Account Number: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 2022-08-04
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My Western union online account is compromised or hacked by someone and add their account as beneficiary and transferred money of USD XXXX on XX/XX/2022 Thursday at XXXX. XXXX - XXXX. I called Western union immediately after receiving my email ( with in 20 mins ) and they mentioned they can not stop the transaction and it is already completed. They provided case number XXXX and asked me to reach out to my bank to claim my insurance or file police complaint. The main reason for this fraud activity is Western union is not secure their system properly and not providing customer safety by Multi factor authentication. Even though Western union knows the details of receiver bank in XXXX, They didn't act on this fraud responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: AMERICAN EXPRESS COMPANY
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:
Hello, I recently applied for an American Express Card and was declined for the following reason " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. '' When trying to look into this on my XXXX report. The only deferral I see is on my Federal Student Loans which was applied automatically. I was informed under the CARES ACT this should not affect my credit, but appears this is the reason I am not able to get my American Express Card. I have been trying to resolve this issue with both American Express and XXXX and each is placing the issue on each other as an error they need to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-07
Company: EQUIFAX, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: NV
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:
Your company provided the following information on my credit report and want it removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Your company provided the following information on my credit report and want it removed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account is paid off and still shows balance on the account. 2nd account was never late shows late, I have auto payments for the account.

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 2022-07-20
Company: RockLoans Holdings LLC
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX charge XXXX I was not authorized, and report to my credit report Rocket loan report XXXX installments loan to my credit report, this is someone use my ssn to get personal loan, I was a identity Theft person on XX/XX/2022, I gave police report, FTC report, but they not respond it, cause my credit from XXXX to XXXX, I never make loan, I dont need, this 2 company is unsecured company

Company response to consumer: Closed with explanation