BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
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 reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: WELLS FARGO & COMPANY
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I opened a case for a HAFA DEED in LIEU procedure with Wells Fargo Home Mortgage on XXXX XXXX, 2016. 

By XXXX XXXX, 2016, I had submitted all the documentation required. The house was appraised by a real estate broker on XXXX XXXX, 2016. 

Originally I was told that once I did all of the above, my DEED IN LIEU would be approved by HAFA within a month. 

Once I completed delivering all the documents they demanded ( they said they are not going to ask any more documents ) they changed the story. Now they are saying the process will take more than six months. I was told the next step is for them to get mortgage insurance approval. I am suspecting they are trying to sell my loan to an investor and that is why they need mortgage insurance. If they do sell the loan the DEED IN LIEU is not going to happen. I will have to start the process with the new bank all over again. 

In the mean time the house, now vacant, has been vandalized. I had to spend {$500.00} to board up the property. The neighborhood has deteriorated ; there is drugs and house invasions. When I first moved in, the neighborhood was safe. At some point it was deteriorating. I was mugged and moved out and rented the house. In XXXX 2016 my tenant moved out without paying the rent for two months. That is when I started the HAFA process. 

I feel my trust in this HAFA process was misplaced. The bank never intended to proceed with a DEED IN LIEU but they kept leading me on until I gave them all the documents they needed to sell the loan. 

Also, my credit report, as of XXXX XXXX, 2016 has a note from Wells Fargo that reads " Subscriber reports dispute resolved - Consumer disagrees '' which I do n't think is accurate ( my FICO score had been XXXX in XXXX 2016 ; now XXXX is XXXX and XXXX is XXXX ). 

I do have health issues. In XXXX 2016 I moved to XXXX XXXX to get support from my family here. Moving back to XXXX is not an option. And specially to a city block that has been taken over by drugs. Selling is not an option either since the house is under the water. I need your help, please.

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 2020-09-30
Company: AMERICAN EXPRESS 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased the flight tickets for my parents from XXXX to XXXX and XXXX to XXXX through XXXX XXXX XXXX. My parent 's return flight was on XXXX XX/XX/2020. My parents visited me on XXXX  XXXX. Now when the return date was coming near, I called XXXX XXXX to confirm whether they are still operating or not due to COVID situation. The response which i got from them is they are still operating but they are operating under the special flights called as " XXXX XXXX XXXX '' and the will not honor my current return ticket and i have to purchase the new ticket which was priced 2 times of my return ticker, they also refused to give any credit and they told me that i can wait for normal flights to be a resume which they don't know by when, because my parents XXXX and XXXX issue they needed to return back sooner, so i asked XXXX XXXX that will they allow the unused ticket to be used later and they told me that yes they would but for same passenger and same flight number and the same location which was not practical at all. Finally, I bought the new tickets with XXXX XXXX. Now because I have not my original ticket and also not getting a refund or credit, i asked American Express to dispute the transactions, and American express came back with the response that i bought through the travel agent and they can not dipute and return my money back, i disputed it two times explaining that to me its fraud where the XXXX XXXX is still operating under the same name and still did not honor my purchased ticket due to increased demand and ticker price, and also not refunded it. 
Also, XXXX XXXX or travel agent is not responding to my emails or phone calls in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The notice I received on XX/XX/XXXX was vague. It only says the original account was with XXXX XXXX. I never received a bill from then. It says the date of service was XX/XX/XXXX. When calling TSI they would not give me information without me giving them my birthday. Im not giving private info to a stranger.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. i called sent emails and contacted the company and I 'm not getting any positive responses. i have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: MORGAN STANLEY & CO. LLC
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX and his associate, XXXX XXXX, formulated a financial plan designed to preserve and raise enough money so that I could retire and live comfortably by XX/XX/XXXX due to serious medical considerations. I fully trusted them to manage my accounts and assests. However, since XX/XX/XXXX, they have lost well over {$60000.00} of my money -- {$43.00}, XXXX of this was lost in the first 11 months of XX/XX/XXXX, when the market was up. During this time, they also charged me over {$17000.00} in fees. 
I have had XXXX financial experts reveiw my accounts, and all agree that there is no explanation or justification for such massive losses in an up year. XXXX XXXX took " big bets '' puttig my money in very risky funds in amounts as big as {$20000.00}. During the course of our work together, he represented to me over and over via email on the phone that the funds, ETFs, and stocks he was choosing for me were appropriate for my short time frame and small amount of savings. And, he was aware of my need for the money for medical care. Still, he took huge risks, that lost money, with my funds. The horrid losses from my accounts in a year that the market did well speaks to the obvious neglect and inappropriate management of my accounts by XXXX XXXX. I called multiple times in XX/XX/XXXX to express my concerns to XXXX XXXX, and he told me just to trust him. We also had email discussions. On XX/XX/XXXX, I sent a letter to XXXX XXXX, the Branch Manager for XXXX XXXX office, and to XXXX XXXX outlining my concerns and complaints, and requseted to discuss a fair an equitable resolution. I have followed up by email three times now, and I have only received the comment that Morgan Stanley is reviewing my letter. As of XX/XX/XXXX, over a month later, I have no substantive response or willingness to engage with me in any dicussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is in reference to XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX a Debt Collector who sent Payment Rewards Program offer for credit card but did not provide Debt Validation notice. Also no indication if this payment rewards program reset the clock on a charge off debt. 
On the back of the offer it indicates that the Program has a satisfaction guarantee. " If you begin the Program by making your first timely payments and subsequently decide that you do not want to continue the Program, you may end your participation and receive a full refund of all payments that you have made towards the Program Balance '' However under that same " Program Satisfaction Guarantee '' ( XXXX ) XXXX XXXX reserves the right to collect the Program Balance and you will responsible for making payments on the Program Balance. 
Would n't the consumer need notification that the payments start the clock over on charge off debt? 

On the from of the offer " Details on the XXXX credit card, including applicable rates, fees and terms for new purchases and cash advances, are available upon request and will be sent to you after you have successfully completed your payments. '' The consumer is required to fill out information on the bottom of the page, including what appears to be a waiver " I further agree that no such electronic communications will be deemed unsolicited. '' Is this not an offer without the consumer be informed of all the terms of the offer? 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted numerous complaints with the cfpb, and each time the complaint is completed it is sent to Wells Fargo and it is sent to there loss midigation department and the same representative. 
The resolution provided are by far true. 
Conversations with the rep have clearly stated there were errors made with my title and that they have filed a claim with the title company. they had indicated they were investigating only to send me a letter stating they answered the complaint in XXXX. 
I have furnished them with a XXXX page complete title report in which there were XXXX liens prior to my modifcation and insist it was an error by XXXX XXXX. Sadly we know that not to be true that a complete title was not ordered by Wells Fargo, if it was, the facts would be there. They stated they showed a judgement when i completed the modification which we all know judgement 's do not show on title. The lack of purpose or meaning to the people at Wells handling this case is totally unexceptable. 
They claim to have people working on this issue in different departments but there is no true resolution since they cant admit the errors they made. 
I also had advised the rep of calls from there people in title calling and yelling at me telling me 6 months later that i had to resign a duplicate mortgage because of mistakes made, and there response is they spoke to me acceptable. Acceptable and no explanation on a duplicate mortgage?? Yelling at homeowers is still acceptable by Wells? 
I asked recently about a principle reduction that XXXX XXXX is offering and i was told i was n't entitled since i was n't behind in my mortgage in XXXX. XXXX XXXX rolled this program out prior to XXXX, and with just receiving the appraisal on my home 2 years later showing my property was worth XXXX in 2014 and a modification was given to me for XXXX?????? who does these things. They just send a letter apologizing???? That 's not legal! Neither is allowing a modification with with liens on property. 
I dont get with the OCC involved and all the new laws protecting borrowers how all these mistakes were made and are still being made. 
The office of the President doesnt review complaint, but sends these letters down. 
Does anyone care? 
Last is my insurance that was taken when i received my mortgage that clearly had the proper insurance that covered the condo fees if any errors on title were made, and Wells is saying that the policy did not have any. I do n't know how that is possible since i paid for it with Wachovia who Wells purchase but when they completed the mod they didnt include it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My mother wrote a check to my account to pay my rent. I then purchased a cashiers check to make the payment. Days later after the check had been cashed, Bank of America then put a hold on my mother 's original check sending my account negative. The hold was set to be released in less than a week, but it never happened, and my mother never received her money back. After that I was blocked from viewing my balances for my credit and debit accounts and a hold was placed on all of my banking. When I called to find out what was going on, I was transferred multiple times and finally an incredibly rude customer service repoed told me that my accounts had all been closed. Specifically he acknowledged that there was nothing I could do and that they would be closed immediately. Just yesterday I was told that my accounts are all still open, my credit cards have been billed for late fees and I 'm completely astounded. When I called again just now, no one apologized to me or explained to me what was going on, they originally only let me know that my credit account was still open and then after being transferred and me doing some prying they let me know that my checking account was also still open. When I went to inquire further I was again told that they could n't do anything about it. So here I am, with no active cards or any way of viewing my accounts and balances, still being charged fees. This is truly insane and no matter who I 've spoken to in the company no one has told me what is actually going on.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: MD
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:
This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct. 
These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are XXXX. 

XXXX XXXX XXXX XXXX XXXX please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness

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 2020-09-30
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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, 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 explanation
Consumer complaint received 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
Recently, I 've been having difficulty meeting my minimum payments on XXXX of my credit cards with Bank of America. I 've called and explained to them the situation, after being a loyal customer of theirs for many years, no one seemed to care about me and my situation, rather only cared about their money and their high interest rate. In my time of need, I asked them to lower the interest rate and/or work out a payment. I was declined XXXX options. I do n't think I am being treated fairly. They are only out to receive their high late payment and interest fees. They have no interest in what 's best for the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: MD
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:
This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct. 
These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are XXXX. 

XXXX XXXX XXXX XXXX XXXX please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: NV
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 was recently looking at my credit report and I noticed a bunch of negative Inaccurate information on my report I disputed this information with the bureaus experian XXXX  XXXX. It has been over 60 days sense I sent those letters out containing where I want investigated and removed I still have not heard anything from either one of them. Ive been more than patient due to Covid in the election going on. I sent these letters on XX/XX/2020 Im reaching out to the CFpb to get this done please get this done

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 2016-08-03
Company: Fidelity National Financial, Inc
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I bought a newly constructed home. My lender stated that a " XXXX XXXX '' title insurance was sufficient for their needs and they wanted a clear title without exceptions. My seller complied with Oregon Homeowner Protection Act ( HPA ) by providing me a " XXXX '' title and maintaining a bond around mechanics ' liens. However, my title company insisted that I buy " XXXX '' insurance in order to provide lender a title without mechanics ' lien exception, which ended up costing me {$880.00} more compared to " XXXX ''. They said whether the seller maintains a bond is immaterial and I need to pay them the extra premium to remove the exception and get my lender a clear title. To me, it felt unfair because my seller has already de-risked buyer/lender against the risk of mechanics ' lien by complying with HPA. The title company bore XXXX risk while collecting {$880.00} additional premium. My seller selected the title company and I had to close on time, so I agreed to paying the extra premium but I felt strong-armed. It feels unfair at best and illegal at worst that I had to pay {$880.00} extra to my Title company to cover a non-existent risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Multiple credit card applications submitted in my name. Contacted companies directly to notify. Still outstanding inquires on my credit file from JPMCB.

Company response to consumer: Closed with non-monetary relief