BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: WELLS FARGO & COMPANY
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Refer to CFPB file # XXXX This request was prematurely closed when CFPB queried the victim, not the perpetrator of fraud : This is a FRAUD inquiry perpetrated on my personal account. 
You can find all details under your file : XXXX On XXXX XXXX, I sent the following request : REF : Fraudulent XXXX withdrawals from personal checking account/ Your Ref : XXXX On XXXX XX/XX/2022, I requested assistance to recover {$6400.00} that was fraudulently withdrawn from my personal Bank Account. From my research, I clearly identified the following institutions involved in the fraud : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXs, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, CA After one month, when no information was forthcoming, I inquired to find that CFPB had sent the fraud case to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not the banks committing fraud ; see the highlighted banks to identify the institutions engaged in this fraud. 
I hereby request that CFPB exercise their Federal mandate with greater due diligence. CFPB action becomes more critical as I have been receiving demand notices from XXXX XXXX XXXX, a Texas law firm. 
I look forward to receiving notice of your intentions and action. Once again, let me know if you require further documentation to proceed with this matter. 
Sincerely... 

Do I have to escalate this fraud investigation or will CFPB execute due diligence ; get my money back from this crime or provide usable information about how to proceed? 
Thank you for your service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested validation of a Title IV-D claim based on my recent discovery of fraud ( concealment of material fact ) and was informed by Office of Temporary Disability Administration that Dept. of Health Human Services, NYC Human Resource Administration, NYC Office of Child Support Collection Services, NYC Support Collection Unit are " Not Subject To '' the Fair Credit Reporting Act 1681e. ( b ) Accuracy of Report ; 1681i. ( 2 ) ( B ) Prompt Notice of Dispute to furnisher of Information ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( i ) delete said information or the Fair Debt Collection Practices Act. 1692g. Validation of debts ( a ) ( 1-5 ). No governmental agency mentioned above would or could validate the existence of a contractual obligation or furnish the original instrument that created a debt. Their is no validation of a debt. I also have certified copies that no judgement ( s ) were entered within XXXX XXXX County & XXXX County Clerk 's office pursuant to FCA 460 ; CPL & R 5012,5014, 5016, 5018 & 5041.

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 2022-12-16
Company: EQUIFAX, INC.
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:
See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion, 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 2022-07-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I XXXX XXXX was told by Equifax that XXXX is reporting to them a Bankruptcy shown on my public file, well XXXX told me they show no bankruptcy on my file, well on XX/XX/22 Equifax claim to have contacted XXXX on or around XX/XX/22 and that XXXX verified to Equifax this bankruptcy on my file on or around XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
BoA opened a credit card in my name to a party in Washington State ( I reside in Michigan ) Shortly after opening this account, I received calls to my personal cell phone from BoA about fraudulent activities on this unauthorized account. I received " welcome to BoA '' letters at my home in Michigan. It seems obvious to me that BoA knew full well they were opening an account and issuing a credit card fraudulently. If BoA ( with whom I 've never done business ) had access to both my cell phone # and my home address, it seems only reasonable to assume somebody there knew this was n't proper. I have suffered no financial loss, but has required a lot of my time to contact credit bureaus to clear my name from this mess.

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 2022-07-07
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to complaint XXXX, Penn Credit Corporation admitted they hold no evidence to support this alleged debt that does not exist. 

As a result, they must promptly remove their unsubstantiated derogatory claim from my credit report with all three bureaus as agreed. 

As of today, XX/XX/2022, these false claims are still on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Personal information incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/2020

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 2022-02-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
PLEASE NOTE, I HAD MISTAKENLY UPDATED MY SPOUSE DL ON MY PREVIOUS APPLICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We started the process for a short sale on the property on XX/XX/XXXX. the servicer ( Caliber home Loans ) ordered an interior value of the property, the interior valuation was completed on XX/XX/XXXX. The interior value came back with a value of {$210000.00} for " AS IS '' price. The investor ( XXXX XXXX ) and the servicer decided to increase the market value to {$280000.00}. We submitted a value dispute based on the interior condition of the property, the major non-cosmetic damages and comparables in the area. We provided enough evidence for the investor to reconsider their market value with accurate and current data as per their guidelines and the investor is denying our request and would not reconsidered the over priced value. this is an unfair practice in the market now days and we believe the Federal Government and authorities should be make aware of these type of situations since this is a total malpractice and are preventing home owners in a default situation a fair shot to start their lives from scratch.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ocwen loan servicing, llc requested that my home be foreclosed onXX/XX/XXXX. XXXX XXXX XXXX XXXX is using a fraudulent assignment that robo signed. XXXX XXXX is the XXXX for XXXX XXXX XXXX XXXX XXXX this trust has a cut off date for mortgages to be conveyed, and the assignment being used was done after the cutoff date in section 201-of the pooling and servicing agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I attempted to call my creditor to resolve my account, and they transferred me to the law firm managing the account. 
The law firm refused to accept my proposed payment arrangement based on my capacity to pay at present. 
The law firm representative advised that the account was litigated, and that there was a real estate lien on my property. I do not own property. It is apparent to me that they were attempting to intimidate me with this false information as a means to collecting the entire balance immediately. 
The representative and supervisor with the law firm stated that they would not accept my proposed payment arrangement because " it does not meet the requirements of their client '' ( the original creditor ). 
The communication with the law firm representatives ended with their confirmation that they refuse to accept my proposed payment arrangement to resolve the 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 2017-08-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on the loan for years, and noticed that as I have made payments, they have not been paying to the loan options I wanted to. when I contacted them, they said htey would correct it. I had to call back at least for 3 months in a row for them to readjust how I requested to have my loans scheduled. They also started, out of the blue, posting all my payments to one loan, and none to the others, causing me to get fees. I had to call them each month to make they repost the payments to the correct loans. I also talked to them about how I noticed my interest is not going down on my loan. I have made substantial payments to the loan to get them paid down, and it looks as if the interest amount has not changed as much. This year alone on one of the loans, I have paid over 3k, and my interest has only gone down by approx {$5.00} ( loan started at a little over 7k at the beginning of the year and now is paid down to about 5k. after arguing with them for over a year, I started paying using thier website and forcing it to pay towards the loans of my choosing. after looking thru the payment history, it looks as if the interest is still not posting correctly. I do n't know how to calculate it or to tell for sure, but it just does n't look right. whenever I call to ask them, they can not explain to me how it is calculated. I will be glad to send you any information on my XXXX payments that you want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Chase Visa Credit Card. I make payments on a regular basis, and have done so for many years. The problem I had recently involves a notification service which Chase provides. Specifically, they provide a user defined service to notify a customer ( or remind them ) by email that their payment is due within X number of days ( for me, X was 10 days ). I  came to rely on this service where when I would receive the notification, and then I would schedule the payment with my bank. The problem arose when I stopped receiving these notifications. As I relied on the notifications as a payment reminder, of course when I stopped receiving them my payment was late, and I received late fees. This happened to me two times before I looked into to why my notificationsstopped. What I found was interesting. My Chase online profile was set to correctly to notify me 10 days before my payment was due. So what happened to my notifications? Well, for some reason they were n't being sent. What 's even more interesting, is that Chase provides a Notification History Log. The History Log did not indicate them being sent to me. So I contacted Chase, and of course they were very quick to refund me my two months late fees ( {$37.00} for XXXX, and {$27.00} for XXXX XXXX. However, I began to wonder, if maybe others could be having this happen to them? It 's seems interesting too, that Chase raised their Late Fees during this time as well from {$27.00} to {$37.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX XXXX deposited XXXX in to my cash out problem ia my phone was stolen suggest XXXX by the time I got a new phone and in my account my money was gone I reported it right away and they only refunded me some of the merchant transactions but not the money that was transfered I had been in contact going back and forth for months and then they just closed my case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: MO
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:
Both XXXX and XXXX have reported my new credit balance however nothing has been updated in the past 2 months for any of the bureaus. The incorrect reporting is effecting my ability to be approved for additional credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XXXX2017, an inquiry from CBNA posted on my XXXX credit report. I am unaware of the company! Also on this same date six other inquiries were made, by other companies. I did not apply for any credit or loans from any of them. Someone has attempted to use my identity to open these accounts.

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 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom it may concern : I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have made multiple attempts to resolve this issue with Transunion.
By Mail, And Phone..

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 2022-07-07
Company: JPMORGAN CHASE & CO.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This is regarding my Chase business banking and total checking account. I registered for a new account bonus for these accounts and I tried opening the account online but I was told that due to identity verification I will have to visit the branch for opening the account. The nearest branch is XXXX miles from my house and we finally drove to the XXXX branch on XX/XX/2022 and successfully opened both the accounts. The new account bonus coupons were applied successfully and I was able to fund XXXX of the account with {$1500.00} the next day. However, to my surprise, my business account was suspended on the third day without any reason. Upon calling the bank they said that they do not know any reason but do not want to do business with me. This appears to be some kind of racism that I can feel here. Also, we lost close to {$1200.00} in the account bonus and travel cost as the bank disagree to honor the bonus and locked my both the accounts. The {$1500.00} that I deposited will be returned to be by check in a months time. I feel cheated by such reputable bank. They should not try to fraud people by running false promotions. They have been sending me the debit cards and letters after closing my accounts as if the accounts are still vaild which is a harassment to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I WANT TO HAVE THIS MATTER RESOLVED AS SOON AS POSSIBLE SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY 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