BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022 On Wednesday XX/XX/2022 I XXXX XXXX XXXX received a phone call from a gentleman stating he was from Bank of America Fraud dept. First call was at XXXX from phone number XXXX, guy stated his name was XXXX XXXX XXXX He proceeded to keep calling back at XXXX and told me he wanted to check my acct and said to send over {$3500.00} through XXXX . I stated I have never in XXXX  yrs of having an account with Bank of America ever signed up for XXXX, my wife ( XXXX XXXX XXXX pays all the bills and this is a joint acct. XXXX then stated he would walk me through how to set XXXX up so they could do the test and would send the money right back to my acct. Once the money was transferred he stated that give it a few minutes and Bank of America will transfer back. Which never happened. On the bank statement if states XXXX XXXX confirmation # XXXX got the transfer. 
XXXX XXXX also stated to me that they noticed that there was a withdraw from a XXXX XXXX for {$1100.00}, XXXX XXXX told me dont worry we will get your money back. XXXX stated that he ( XXXX XXXX ) would call me at XXXX and to go to XXXX and he would walk me through of what needed to be said to Customer Service and would get my money back. He did not call so my wife XXXX XXXX XXXX called the fraud dept and they transferred to XXXX fraud dept and put in a claim for the fraud. As I was on the phone with a lady from XXXX fraud, XXXX XXXX called my number back at XXXX and wife answered and stated I was not available, he then called back at XXXX and XXXX from a different number XXXX. 
I gave the information to the XXXX fraud dept while I was on the phone with the lady from the bank and they would put in a fraud claim. 
My wife called the bank back several times after we got a letter dated XX/XX/2022 with claim # XXXX in the amount of {$3500.00} that they were unable to approve this claim. My wife XXXX XXXX XXXX tried to call back several times and they denied us the money back. XXXX had spoken to XXXX from XXXX fraud and told us to file a police report and check out IC3.gov-file a report. 
I did receive the {$1100.00} back from Bank but not {$3500.00}. We did file a police report with XXXX Police Dept.

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 2022-09-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We sent a check to Chase Banks National Bank By Mail on XX/XX/XXXX and was received at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This check was for {$32000.00} issued to us by XXXX XXXX XXXX who sent us physical proof and confirmation of Chase Bank receiving the check, being in possession of this check, and deposited into a chase account on XX/XX/XXXX with a scanned picture of the check endorsed by me but it was not deposited into our account and again, not sure how it was deposited into somebody's account that has our name and address on the check. The check was an XXXX money deposit, the builder did not send wires and so they had wrote me a check. I endorsed it and sent it in. Clearly it was received, and chase has received it and so somebody or XXXX of the systems that deposits these messed up and put it into somebody else 's account. Chase can not find our money. The check issuer sent us irrefutable proof ( scanned image Chase Bank provided the check issuer of the endorsed check which proves chase had it in their possession ) that the check was received was cashed. As a bank it is their burden to verify the check was deposited into the correct account, and especially for such a large amount to have been deposited into somebody else 's account is reckless. I am without {$32000.00} because Chase Bank mishandled the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have received a Visa gift card for {$200.00} from my friend which was purchased from a XXXX store on XX/XX/XXXX XXXX when I tried to use the gift card, the balance was XXXX XXXX Up on looking into the history of the transactions, the card was used by someone else on XX/XX/2022 at " XXXX XXXX XXXX ''. There were no visible signs that gift card was opened before. it was sealed when I opened the card. This is definitely part of a bigger scam where they know the card numbers and they were able to use it once the card was purchased. I've opened a dispute with the company Incomm Payments ( XXXX XXXX XXXX ) on XX/XX/2022 and the dispute got declined on XX/XX/2022 without providing any details. I've asked for reason for declining but couldn't get any details. Company should be able to verify how many times this card was checked for balance on their website, dates and IP addresses. they could easily find if a card was checked for balance before the activation date or not. 

companies are not doing enough to protect the consumers from unauthorized gift card transactions and scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: The Receivable Management Services LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is in violation of 15 U.S. C. 1681 ( c-1 ). I have made several attempts to notify the original creditor and the collection agency about this account that's fraudulent or came from identity theft. 
This isn't my account nor do I owe 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 2022-06-30
Company: Recovco Mortgage Management, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have a loan that closing date was XX/XX/2022 and a disbursement date of XX/XX/2022. It is now XX/XX/2022 and we have not received the funding wire from the Lender. 
We have reached out to all parties involved and they keep stating it will arrive. This is very poor lender operations and the CFPB should be made aware of the unprofessional actions of this lender. The buyer and seller have both been impacted with the delay in funding from the lender

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 21 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 XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Had XXXX to pay rent, used the service to pay online for my rent and then get days later I got a letter from leasing office saying my payment was rejected and the account I am using is closed. It was Wells Fargo and I can't even access the account or anything

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 2022-12-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This card was open in XXXX name with our permission, I contacted company to send me a copy of my signature and never received anything. this card has been on my credit hurting my score for years and have disputed over and over again. Im being penalized for something I did not do and have suffered from it dramatically. this account is fraud based and is definitely not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
Equifax I filed a fraud report with the FTC and CFPB XXXX XXXX XXXX refuse to accept their documents They are Government Agencys by law that is all I have to do XXXX  and XXXX XXXX XXXX refuse to except the documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 21 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-01
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND XXXX XXXX IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: GA
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:
i have inquiries on my report i didn't authorize and i have sent in my police report showing my identity been compromise. and they won't remove them. 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: Synovus Bank
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
First Progress Credit Card Account was paid and closed. Still reports on credit report. 
Date closed XX/XX/2022 Amount paid of {$400.00} on XX/XX/2022 Refunded of {$290.00}, XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a credit alert that there was a derogatory mark on my credit report on XX/XX/XXXX by Debt Recovery Solutions. The debt was paid in full on XX/XX/XXXX and that group deposited the check on XX/XX/XXXX. This entire process was handled by an attorney, XXXX XXXX. Debt recovery solutions required proof of this payment to remove the item from the credit report. On XX/XX/XXXX, I provided a copy of the deposited check as proof of payment in full. Debt solutions issued a generic response stating that they verified the original debt without any reference to the proof of payment provided. The item was updated as accurate on my credit report. I contacted the credit reporting agency directly and filed a complaint. The credit reporting agency XXXX closed the dispute on XX/XX/XXXX, stating that Debt Recovery Solutions verified the original debt, again with no reference to the clear evidence of account payment. This group has chosen to ignore the evidence of an account paid in full and continue to harass me for payment and update my credit report for something that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Upgrade, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
It has been nearly impossible to close my accounts with this so-called bank. Multiple attempts over the phone in the span of several weeks, speaking with multiple people and departments. Despite verbal confirmation that the accounts were closed, they all still show as active online. This applies to credit and checking accounts. I have contacted them at least five times to request my accounts to be closed, and they deceivingly confirm that they have been closed, when they in fact have not. Lowest-level financial company that I have ever made business with.

Company response to consumer: Closed with explanation