BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I found a home online through XXXX posted for rent. I submitted a request for more info and was contacted by the alleged owner on XX/XX/XXXX with information about who they are and why they are renting their home as a first time landlord. I filled out an application and was told they had approved me, and they sent even more information about them including family photos and IDs. I thoroughly researched everything they sent me and matched it to property records, reverse image searched the photos, and more. I felt comfortable enough to proceed with leasing the home based on what I found and what I was given. 

After signing an agreement I was asked to send the money for the security deposit through XXXX which is connected to my Chase bank account. I sent four separate payments totaling {$1600.00} between XX/XX/XXXX - XX/XX/XXXX to this person using XXXX through Chase. Two weeks later on XX/XX/XXXX, I discovered the person was a scammer who had done this to other people across the U.S., and was impersonating the owner by name. I immediately contacted Chase and spoke to two reps including a supervisor. The first rep said they will file a claim with XXXX which they claimed they would submit, however both the first rep and supervisor said they can not do anything else and will not return the funds to my account since I authorized the payments through XXXX ( despite having used the service via Chase ) and had no recovery rights and referred me back to XXXX. I was then directed from XXXX back to Chase 's fraud department and spoke to a third rep who took all of the information I had to give and directed me to consumer protection, who referred me back to the fraud department. The fifth rep I spoke to then said they would be sending my claim to XXXX on the next business day reiterating that's all they could do. Less than 24 hours later I received a notice from Chase stating no action would be taken and they closed my claim. This is a regular scammer who has already been known to do this, and will continue to commit these crimes as Chase has made it clear at this point they will do nothing to prevent it, will continue to allow it to happen and will not help their direct consumers in recovering their lost funds in these unfortunate situations by refusing to take responsibility and blame the " third party service '' they directly promote and make available. This has also prevented me from being able to move as planned as the funds I lost were specifically for moving, which is all the more important to do now as I am unsafe with this scammer knowing where I currently live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime bank issued me checks for XXXX and XXXX respectively for a previously closed account. I tried to deposit them through their mobile app to my current Chime account. They were rejected for no reason given. The mobile app is the only way to do a check deposit at Chime. After writing XXXX times, I spoke to supervisor XXXX on XXXX. He informed me not to redeposit saying some other department made that decision. In addition, he suggested I take the checks to another institution. So I asked..are you saying Chime will not honor checks issued and drawn on Chime when one tries to deposit to his Chime account..he said that is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: CA
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 have recently received a copy of my credit report. I am writing in regards to an issue with my credit file. I have noticed that account active that I DIDNT AUTHORIZE. has reported to the bureaus that RESULTED IN CHARGE OFFS. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history or other instrument bearing my signature. 

I disputed these inaccurate items over 35 days ago. Only verification of late payment were made not proof of this alleged item or my signature on documents for each account. 

Never opened a XXXX XXXX and have two accounts NOW. Verification of these signature on documents. 

XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX would like the same. Verification of these signature on documents XXXX XXXX XXXX  15 u.s.c 1681 section 602A 15 u.s.c 1681 section 604A section 2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: MD
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 sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$9.00}, XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX : ) XXXX Balance : {$160.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 I received an alert from CFPB that my dispute was closed. Upon reading Portfolio Recovery Associates response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ..... 

1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: 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 2022-10-22
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a refund on XX/XX/22 and was told I would receive a refund within XXXX weeks. Called again and was told refund request was approved on XXXX. 
Called back earlier this month and was told my request had been mistakenly sitting in queue with no representative handling it or processing it. Have called XXXX  times since, so XXXX total. XXXX business days and no balance change ( Aidvantage ) and no refund received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: VA
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 CREDIT BUREAUS are not hindering records when I sent a copy of 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 XXXX, EQUIFAX and XXXX 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. The following items listed below needs to be removed from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$210.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: GOLDMAN SACHS BANK USA
State: GA
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 was in a XXXX XX/XX/XXXX XXXX  XX/XX/XXXX in XXXX  for XXXX XXXX months after I had to learn to walk talk write go to physical therapy for over 7 months. Account was open XX/XX/XXXX but I wasnt able to hold a phone nor write or talk due to a XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX dispute it with them they closed account and stated they was going to remove it but hasnt its been XXXX  months now. I have a police report XXXX stating that I was in XXXX  and this a fraudulent account need to be removed as well sent in my hospital records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 CREDIT BUREAUS are not hindering records when I sent a copy of 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 XXXX, XXXX and TRANSUNION 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. The following items listed below needs to be removed from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, R ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Owed : {$210.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 2022-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received the BOA bank credit card monthly statement and we found there were illegal activities in our Bank of America XXXX XXXX XXXX account. 
We reported it to Bank of America. We were on the phone with BOA bank representative. We went through line by line sorted out those fraudulent charges. We paid all those legal charges which made by me and we closed the account and filed a dispute XXXX XX/XX/XXXX. Bank of America denied our dispute twice and file a law suit against me. Court date is XX/XX/XXXX in XXXX Texas. 
All those illegal charges were on line video games charges. Both me and my husband are old person. We are having hard time to handle modern technology. We both had difficult time even to write an email. We were not capable or have any interest of playing video games on line. 
I had a XXXX  XXXX on XX/XX/XXXX. I still not recovered completely. It was a struggled to go back to work. I am a XXXX XXXX XXXX XXXX XXXX  for last 15 years. After the XXXX, I only allowed to work 2 days a week. XXXX hours per day. XXXX dollars per hour. Earn {$440.00} per month. My husband XXXX XXXX XXXX, living on a small Social Security retirement payment and a limited saving. There was no way we could afford to spend thousands of dollars to play video game, not mention to authorize somebody else to spend thousands of dollars to play for us. 
We had interrogated our son XXXX XXXX who he was XXXX years old then. Asked him if he ever used my credit card to play the on-line games, he denied it. But He admitted he did it recently. He said he thought it was free to add power for the game. 
I had not authorized anyone to use my credit card but my husband. I think I do not responsible for those unauthorized on-line gaming charges by my teenage son. 
XXXX XXXX XXXX XXXX XXXX XX/XX/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 monetary relief
Consumer complaint received 2022-09-29
Company: BARCLAYS BANK DELAWARE
State: WI
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:
This is the timeline of the botched transaction from my XXXX XXXX to Barclays. during this time, my credit score dropped from the high XXXX to the low XXXX. 

XXXX - Begin hearing about XXXX transitioning from XXXX to Barclays. 
XX/XX/XXXX - Last automatic payment of full balance to XXXX XXXX 
Was Notified they were switching over to Barclays. 

XXXX - Notified that a new Barclays credit card was getting mailed out. This card was never received Called Barclays and requested a new card be sent out. 
Barclays refuses to use my last name of XXXX and insists on using my maiden name of XXXX unless I send a copy of my marriage certificate. Gap had been using my last name of XXXX since I got married in XXXX. I told Barclays to close my account. 

XXXX - I never received any new Barclays card. They insisted they had mailed two out. 
Begin to see negative impacts on my credit score, but never received any statements from Barclays and was never given any information on how to pay online.

I again asked them to close my account and requested they mail out a paper statement. 
Called Barclays again and asked them to mail out my final statement. 
Still no final bill sent. Call Barclays again ( for the third time ) to ask for the final bill. I told the XXXX I would be mailing a check in to pay the amount in full, minus late fees and interest charges. 

XXXX - I finally received the final bill. 
XX/XX/XXXX - Mail check # XXXX for the full amount, minus interest and late fees. 
XX/XX/XXXX - Check for {$2300.00} is cashed by Barclays. 

XXXX - Call Barclays and talked to a customer service rep who let me know that they did receive the check and my account had a {$0.00} balance. I thought everything was revolved. 
XX/XX/XXXX - Credit monitoring shows Barclays has marked the account as more than 60 days delinquent. 
Call Barclays again, asking to confirm payment, and close the issue, and fix the credit reporting issue. They claim they cant find the payment, despite my bank showing the check was cashed by Barclays on XX/XX/XXXX. 
Still calling me by my maiden name of XXXX. 
XXXX is investigating this, but says it wont be resolved for 30-45 days. XXXX ID # XXXX At this point, it has been almost 4 months of trouble and this has ruined my credit score.

Another 30-45 days of this is unacceptable.

My account has been pain in full. I would just like this issue to be closed and my credit score restored.

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 monetary relief
Consumer complaint received 2022-08-02
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX Opened XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TransferWise Ltd
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I opened an account on wise.com on XX/XX/2022 because I was closing my bank account because I wanted to get a local one where I moved. I put my funds ( {$300.00} ) inside of wise until I found another bank. When I decided on what bank I transferred {$250.00} to that account they pushed the transfer date twice and I wanted to look into investing so I made another account for me to start investing and I made 2 {$10.00} transfers to it to open and fund my stocks. On XX/XX/XXXX which was one of the times I was supposed to receive my funds in both my accounts they delayed it again to XX/XX/XXXX, when I woke up on XX/XX/XXXX I had an email about my transfer being delayed again so I went to log into wise. Well they deactivated my account without even telling me in a email that they even did and I have been email and contacting them constantly with no response. I put in an appeal like their online help stated to do so they can get my new bank info to send my money to that was in the account, so I gave them that info and submitted my appeal. We'll today XX/XX/2022 the email that I finally received wasn't even to help or try to get me my funds. They just stated that my bank debit failed and they took my money and now they want me to pay it off when the day they deactivated it, it still had my {$300.00} in the account. I have no received my {$300.00} in my new account I put on the appeal like I was told to do by their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: FL
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:
Wells Fargo closed my card without notice last XXXX XXXX They gave me no opportunity to pay any balance due and charged off on their own {$470.00} on XX/XX/2021. They immediately started reporting this to the Credit Bureaus as a charge-off. To reiterate, I was given no opportunity to cure on a card I spent about $ XXXX a month on - paying off constantly. 

To add fuel to the fire, the {$470.00} charge off amount had turned into multiple requests from Wells Fargo asking me to pay a balance due of {$1300.00}. Evidence is attached - the numbers do not lie. Why would the number be inflated? 

I appreciate resolution on this matter.

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