BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX : Received payoff letter from Mr. Copper who is the mortgage service provider fo my mortgage. Payoff figure was good until XX/XX/XXXX XX/XX/XXXX Closed on sale of home located in XXXX, MA and closed on XX/XX/XXXX. 
XX/XX/XXXX Escrow company sent check via XXXX overnight to Mr. Copper. 
XX/XX/XXXX Mr. Cooper received check XX/XX/XXXX Mr. Copper cashed check XX/XX/XXXX Contacted Mr. Cooper and asked why mortgage has not been discharged. Was informed that payoff statement was incorrect and that there were not enough funds to payoff the mortgage. Was not provided reason for error and an explanation of how the {$1500.00} figure was reached. Informed Mr. Cooper that we would not pay additional funds until previous payment was applied to our account. 
XX/XX/XXXX Received notice from new service provider RightPath Servicing that account had been transferred to them and that they were demanding payment. Asked that our account being sent to escalation for resolution. 
XX/XX/XXXX Sent letter to escalation detailing transaction and providing documentation of payments XX/XX/XXXX Received response back from RightPath indicating they has received the letter we sent and that they did not find any errors and that we now owed them {$7800.00} to payoff the mortgage. There was no explanation as to how they arrived at this figure. They also included a new payoff statement that indicated they are charging interest for an additional 42 days after the loan had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have filed Bankruptcy XXXX XXXX -Discharged Reference # XXXX. This shows up on my experian and XXXX but has not updated on my Equifax. 

The date filed was on XXXX this affect me from being able to move forward, please get this updated because I have been trying to reach out to equifax but nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Last 2 years I have tried to no avail to challenge my accounts on the credit reporting agencies. I also retained XXXX XXXX which is a credit repair company and they had little to no luck

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 2022-09-27
Company: EQUIFAX, 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:
The following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXX BANK, XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. XXXX XXXX XXXX XXXX ( was not opened by me please delete the closed account ) The following inquiries were not done by me, so please delete XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CITIBANK, N.A.
State: OH
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:
In accordance with the fair credit reporting act this credit has violated my rights under 12 USC 1681 section 6 o 2 states I have the rights to privacy 15 USC 1681 section 6 0 4a and section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-08
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:
multiple inquiries & unauthorized XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: DC
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:
EXPERIAN is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EXPERIAN permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX, XX/XX/XXXX without my permission, or without a permissible purpose by law, EXPERIAN are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 2022-12-08
Company: JPMORGAN CHASE & CO.
State: NY
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:
Unauthorized charges were made to my credit card on the following dates : XX/XX/2022 {$250.00} XXXX XX/XX/2022 {$100.00} XXXX XX/XX/2022 {$430.00} XXXX XXXX XXXX XXXX, XXXX My bank conducted an investigation and declined my dispute by saying that I received benefits from these transactions and asked for proof/documents for the transactions that I didn't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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: Personal information incorrect

Complaint:
I have submitted that the names listed on my credit report for Experian are incorrect. I have never been married so my last name has never changed. 

Experian shows names other than my own. My name is XXXX XXXX and has never changed. This correct information needs to be corrected. 

I want all names other than what I have listed removed

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 2021-04-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello Consumer Finance Team, I am reaching out to you to request an investigation on Paypal regarding their decision to permanently limit/banned my Paypal business account and holding my funds for 180 days. I have filed several complaints to their customer service, executive teams, escalation team, and other Paypal departments, regarding it since XX/XX/2021, but they all have turned a blind eye to my request to release my funds earlier as I need them for my digital business. 

There are several transactions that were involved in this complaint as Paypal has put a permanent limitation/banned on my business account. There is an Available Balance and Pending/On Hold balance and they won't allow any more transactions on my account nor release the funds left on my Business account since they have restricted my Account last XX/XX/2021. The transactions on my account are from XXXX to XX/XX/2021. 

Here are the details based on my Paypal Balances : Available Balance : Euro : XXXX EUR USD : {$420.00} USD Balance On Hold ( Pending ) : Euro : XXXX USD : {$960.00} I am reaching out to you to ask for assistance in releasing the above Balances on my account. Please help me out as I am just starting my digital business and Paypal is keeping my funds for 180 days which is unreasonable and they have not provided a valid explanation on their decision to permanently closed my account. 

I am looking forward to your assistance and positive action on this matter. 

Thank you and Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I received a credit card in the mail XX/XX/2022 from Bank of AmericaXXXX XXXX XXXX XXXX I did not apply for this card and call BoA. They have all my personal information including social and there is a credit limit of XXXX XXXX dollars. This was opened fraudulent and I have now frozen my 3 major credit report monitoring companies.

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 2022-08-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the court-appointed, non-compensated plenary guardian for a XXXX XXXX XXXXXXXX XXXX XXXX veteran. His mortgage is with Wells Fargo. For nearly XXXX YEARS, Wells Fargo has failed and refused to recognize the court order. I wanted to pay off the mortgage in XX/XX/2020 but WF would not speak to me. WF has added over {$12000.00} to the mortgage in fees and costs that they would not have incurred had they communicated so it could be paid off ( BTW, the mortgage is at 8.34 %! ) ..that is 40 % MORE than the balance at the time I wanted to pay off. 
I have faxed, e-mailed and postal mailed all the big shots I could find at WF, but to no avail. They simply ignore the court order. 
In the meantime, WF has filed a foreclosure action ( they have not effected service ) and continues to send me XXXX packages of information, essentially telling me that they will not do business with me. 

I could sue ; however, why spend THOUSANDS of dollars and have WF spend THOUSANDS of dollars and then pass those expenses on to other WF customers. 

Each time I talk with them on the phone, I find out they have lied. 
With each letter, I am learning that they are lying. 
I find documents that appear to be back dated and signatures that appear to be forgeries. 

Now, I doubt that the big shots are lying, forging documents, etc., but it is going on with nearly every communication. 

I am ready and willing to issued a check to pay off XXXXXXXX XXXX property at a reasonable rate. 

The mortgage is in the name of : XXXX XXXX XXXX XXXX the property is XXXX XXXX XXXX ( a single-wide house trailer XXXX XXXX XXXX ) XXXX XXXX XXXX Florida XXXX Account number XXXX I can use some help Thanks 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 2022-07-31
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX Account : Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 windows using my Capital One card back on XX/XX/21, the charge on the card was processed on XX/XX/21. The amount was {$3000.00}. The company is XXXX XXXX and now facing multiple law suits because people are not getting their order or refund. On the window contract delivery should have taken place 16 weeks after the purchase. Each month the company would say the order was delayed so I never disputed the charge right away because I thought I'd get my windows. Now over a year later I have realized my windows will probably never come. I contacted Capital One and was told I can dispute the charge since I never got the product delivered. The customer service rep told me that they will reach out to the company and if they can not prove they delivered /installed the windows then I will get my money back and they credited my card the amount paid for the windows. I was never told I'd have to fill out a form regarding this and the form is due back in a certain amount of time. So while I was waiting to hear back on the merchant 's response, Capital One had sent a form to my account electronically that I did not know was there since at that point I had no balance on the card so I didn't need to access the account to make monthly payments. Then I find out through a paper letter that I missed the deadline. I called Capital One explaining the situation. They said I could reopen the dispute so I filled out the form and sent it in right away. One day later I get a response saying the dispute is denied since I didn't file within 60 days of the purchase ( as I stated previously, I never initially disputed the charge since the company kept saying the windows were just delayed ). I called Capital One and then was told it really was because I didn't initially fill out the form in time so they can't dispute the charge with the merchant since they'd would be breaking their policy by letting me fill out the form after it was due then giving the merchant a loophole to say they don't have to pay. 

As you can see this is a huge mess. I can't get anywhere with the window company. Since I thought the charge was credited I purchased new windows using the same credit card. Now I have the new charge and the old charge that they reversed. I have sent a certified letter to the window company requesting a refund, no reply. I call and leave messages but nobody calls back. I desperately need to have this charge reversed or at least credited while the situation is investigated so I am not paying interest on the money for a product I never got. Please help me, thanks in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19
Company: ID Analytics, Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I faxed SageStream LLC, a letter and provided required documents to have a Security Freeze put on my credit & consumer reports. I then sent via USPS certified mail, the same items, along with receipt of the fax being completed. 

On XX/XX/2019, I called and left a message - the message stated my call would be followed up within one business day. It was not. 

On XX/XX/2019, I called and left another message - the message stated the same " would be followed up within one business day. '' It again, was not. 

On XX/XX/2019, There appeared to be an online portal, which allows you to request to freeze your reports. ( which was not there previously, or if it existed, was well hidden ) I did this, and wrote another letter, which was faxed. 

I have provided copies of the Fax Sent receipts, along with a copy of the USPS Certified Mailing, showing the items were delivered. 

As of XX/XX/2019, no reports or required PIN has been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: JPMORGAN CHASE & CO.
State: NC
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:
Chase credit card company has refused to reverse many fraudulent transactions that appeared on my credit card. I called them on XX/XX/XXXX and filed a fraud dispute and on XX/XX/XXXX they sent me a conclusion letter that said I am responsible for all of the transactions. There were over {$7000.00} or more in transactions that I didnt make to one merchant according to my account history. Their conclusion letter did not say the reason for why they think I owe this money. The only thing it states was you received benefit from this transaction. There was no reason how or why and no directions for how to file an appeal with them. I called them and sales why this decision was made. They refused to tell me why it rather said they are not sure why the reviewer made the decision and that I was not able to talk to the review person. So I told them its wrong what can we do. They said they can have the review it again. So on XX/XX/XXXX they started a second review and told me it would take about two weeks to finish the review. Today on Saturday XX/XX/XXXX they sent me an email with a document dated XX/XX/XXXX saying that they finished the second review and that I am responsible for the transactions. Remind you there are over 100 transactions for one merchant and several to other merchants. They told me this would take two weeks. How can they complete this in two days? It seems they are not even doing reviews and just filing paperwork without doing their job. It is obvious I did not make these transactions. The first time I called I also asked them to send me a new card. They didnt send one. So this time I asked them why and they said it was never noted on my account that I lost the card. It is a total XXXX show how Chase is handling these fraudulent charges and shows how little they care about protecting their clients. Instead they are just trying to force innocent people to pay for things that they never bought themselves. I have read online that many other people have been having similar problems with Chase credit cards and bank cards over that date back all the way to XXXX to XXXX. I refuse to allow them to take advantage of me. As a consumer we have laws to protect us from this happening to us. And when these big banks like chase clearly show they do not care to protect us it seems we are left useless and the banks are allowed to ruin our financial situation. Please help me with this. It is hard enough when we lose our wallets and have them stolen. But then when our banks allow it to happen what do we have left?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the account below : Account : 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