BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Saturday XX/XX/XXXX of 2021 XXXX XXXX. 
While on my second XXXX page " XXXX '' I seen a sselle that goes by the name of XXXX that was advertising XXXX XXXX for sale " {$30.00} each shipped ''. 
I contacted a seller about purchasing 2 of the XXXX XXXX ( XXXX ) XXXX XXXX they claimed to have. 
The seller informed me of what forms of payment they accepted and I chose to use Zelle. The cost of my purchase was going to be {$60.00}. I sent the money and the confirmation of the sent money. 

The seller stated they received it. 

After that I did not hear anything back from the seller. So on Wednesday XX/XX/XXXX of 2021 @ XXXX XXXX I contacted the seller asking if they had sent the items we purchased. They said they had sent it & had the shipping information. I requested to receive the tracking information of the shipped items ( XXXX XXXX ( XXXX ) XXXX XXXX ). 
But they did not send any tracking information I sent 4 more messages requesting the tracking information or a refund for more times that same day. 

They still claimed to have the tracking information but did not provide it. 
I sent four more messages requesting it and have not heard back since. 

This is the information I've been able to retrieve on the seller : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On  XX/XX/XXXX  O cwen Loan Servicing LLC, said it was No Longer Servicing this Loan #  XXXX  on a letter sent in reply to CFPB a government Agency.   On or about   XX/XX/XXXX  Oc wen Loan Servicing LLC posted property Inspection fees, Legal Filing Service Fees and a GSE-REO Liquidation transaction.   How is this Possible? When the on   XX/XX/XXXX  th ey show a Loan disbursement of  XXXX , to WHO?   They show force placed  Insurance  on   XX/XX/XXXX     XX/XX/XXXX , XX/XX/XXXX .    On XX/XX/XXXX there is an alleged sale  XXXX   XXXX  County Recorders Document #  XXXX  from  XXXX  to  XXXX   XXXX .   and in   XX/XX/XXXX ,   Document  #  XXXX  from  XXXX   XXXX  to  XXXX  and  XXXX   XXXX .   On     XX/XX/XXXX    Ocwen Loan servicing, LLC  shows  6  transaction occurring on that day.   How is this possible since they stopped servicing this loan in   XX/XX/XXXX 6  and it sold twice since?   Also If They did a Full Credit Bid they are precluded from collecting its debt.   Did they Pay  Cash  in Lawful Money of the United States? Please show the receipt and proof of funds .Document #  XXXX  See attach ed 1 )  So what was it   a Purchase? A Credit Bid.
2 ) Was Loan Disbursed? Insurance paid it? or was it Sold?
Ocwen Has violated Title 15 U.S.C 1692c ,1692e,1692f,1692g,1692h,1692i,1692j .  Evidenced by their own admissions to the CFPB complaints submitted.   Also Unjust Enrichment, Filing false insurance Claims, and other Financial Crimes R.I.C.O. related

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: USI Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
USI High Solutions, Inc ke eps harassing my family and myself about a $  XXXX  NON-EXISTANT debt. Calling my family outside of the USA and us in our cell phones and not only feels like harassment but these women are very threatening and they 've try to intimidate us. The debt does n't exist and they need to stop harassing us, specifically calling my husband 's place of work.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 2021-11-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My brother and I inherited a home with a VA mortgage. XXXX XXXX XXXX  advised that the loan had been sold to Carrington Mortgage Services LLC. I contacted Carrington to get requirements for assuming and or paying off the loan. Each time I have contacted the company I have been provided different requirements. Documents have been provided to Carrington showing that the mortgagee, XXXX XXXX, is deceased and that I, XXXX XXXX, am a declared heir. I have requested that the requirements be provided in writing. I have been told the information will be mailed and emailed to me. I have not received any written correspondence from Carrington. Additionally when I call the servicing associates refuse to review the documents received to determine if they have the required information. When I ask to speak to a supervisor I am told that a supervisor is not available.

The Carrington loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid the {$10.00} balance in full through XXXX online banking on XX/XX/2021. The funds were taken from my account. After several phone calls to Barclays and to XXXX it was determined that XXXX made a mistake in their coding. On XXXX I had a 3 way conversation between, Barclays, me and XXXX. Barclays told XXXX to send the supporting documents to them. On XXXX RBFCU sent the documents ( attached ). Barclays then sends me a letter on XXXX ( attached ) about a missing payment of {$1000.00} which has NOTHING to do with the issue at hand. Never was there any mention during any conversations or documents that there was a missed payment in the amount {$1000.00}, it was {$10.00}. Obviously they are not reviewing the phone notes or mailed documents. On XXXX I receive a letter from Barclay 's stating they can not take the 3rd party documents that XXXX sent to them, ( letter attached ). XXXX was told on the 3 way call to mail Barclays the documents ; getting the letter from Barclays stating they could not accept the documents just goes to show how inept they are, it is so irritating. I then called Barclays and asked for a supervisor 's supervisor to review the file, and to do a thorough review before calling me. I was told a supervisor would call me back, it's been weeks and I have yet to receive a call, but I did receive another statement with another late fee. The {$10.00} was NEVER credited back to my bank account or credit card account. There is an out of balance AR ledger for {$10.00} at Barclays or someone else 's account was credited using my funds. They have my cash, but no credit to my bank account or credit card account. I'm feed up with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-05
Company: EQUIFAX, INC.
State: TX
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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: TX
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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2021-04-07
Company: Experian Information Solutions Inc.
State: TX
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 notified Experian that I am a victim of identity theft, and sent a dispute thru my Experian 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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2017-04-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase bank closed one of my accounts suddenly. I had deposited checks in the account which has cleared before they closed the account. I have called numerous times and get the response that it was closed due to them flagging it as fraudulent. I was to meet two terms to be able have the funds released. I met both but yet over a month later no funds have been returned. They closed the account on XXXX. I have a statement showing money that has been withdrawn out of the account. they state they need to verify one more check before releasing funds. I am assuming over a whole month is enough time to ensure the check is good. The Checks were signed over from my father who also verified with the bank that it was no fraudulent that he had given me the checks as a b day gift and to help pay my car payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Someone has been fraudulently accessing my account, and they have my SSN and identification information. I 've called Chase 4 times requesting that security measures be placed on the account to prevent authorized access and disclosures. At first, after 3 hours on the phone with Chase, they said all they could do was change the account number and not allow access by SSN. However, I just called in today, and their system only asked for the last    XXXX   digits of the SSN, and it let me into the account. When I called Chase t oday, they now say they ca n't even do  (  the above ) as promised earlier and there is nothing I can do to secure access to this account. Today they tell me that are unable to change the account number and/or restrict access to anyone that calls in with the last  XXXX  of my SSN. I 've asked to speak to a supervisor and they refuse to transfer the call. The last person at Chase who I spoke to is  XXXX   XXXX ,  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America has sent me through pure XXXX they still missed transactions on my account which equaled out to XXXX the other day and its crazy that the cfpb is not inforcimg these problems they are giving customers as if you guys dont see it they missed transactions on my account now here I am with new claims from transactions from last year like is this real I need my money now as soon as possible I dont need this bull spit in my life why are you guys not making sure they are doing their jobs on our behalf this is crazy they are disrespectful as XXXX On the phone like XXXX I need answers and I want this situation fixed now Im pass upset Bank of America would do this and all u Guys do is let them Kno about the complaint and they still dont care I kno Im not the only person who feels like this the people need you guys to get on Bank of America for all of these mishaps in the mist of a panedemic this is ridiculous I dont want to wait 15 days for no XXXX response on 2 little claims someone fix this now please I have things I need to do as well hello Im a human being to I have to eat and live just like u can someone please be my guardian XXXX and help me fix this situation sooner then later I can never forget one claim was processed with a response within 2 days so I kno it can be done just please do it because Im trying to end a nightmare I wouldnt wish this on anyone especially during time like this please 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 monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-06-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a  XXXX   XXXX  charge off listed on my credit report.    XXXX   Purchased my   XXXX   XXXX   XXXX  landline service. My payment went to  XXXX   XXXX   XXXX  but during an Audit  XXXX  identified my account as 180 days late from the Purchase date from  XXXX   XXXX   XXXX  to  XXXX    XXXX  .   They listed th e 180 la te on my credit report.   I called  XXXX  and was on the phone with them for ove r 1 hou r while they tried to figure out what happened. They confirmed they received the payment and was going to remove this from my credit report.   I get a new credit report a few weeks later and  XXXX  has changed the  Status to a Charge off.    I called  XXXX   XXXX  and they said the account is paid off and not a charge off but are not going to correct my credit report. The gave me a letter and told me to work with the credit bureaus. The Credit bureaus all said they researched the issue and confirmed from  XXXX  that it was a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: NY
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:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital one is using inaccurate out dated information. To perform credit inquiries, on their customers. And future customers that are seeking credit increases/lending. Capital one has been using outdated credit scores to make lending decisions on customers. I spoke with an XXXX supervisor that went over my credit score and my actual XXXX score was a 100 points higher than what capital one was using to score credit worthiness. They are pulling XXXX scores from several months prior to the date you actually make the request for credit. And making false biased lending decisions for customers. Then advertising to use a XXXX  scoring model, on their website which they dont actually use to make actual lending decisions. They have continually denied me credit increases and Im a over 4 year on time paying customer, based on false inaccurate information.

Company response to consumer: Closed with explanation