BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-02
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There is to much to list. Wells fargo. has totally used deceptive business practices. This has been going on for years. Wells fargo will hang up on me or change the subject and wont answer why they have charged me over {$20000.00} in just the last few years with fraudulent inefficient funds charges when the money was posted to my account and they have I have spent fortune with wells fargo and they have told me they would file disputes and never receive calls back from them. Wells fargo. I have gone into several branches after branch to be told they didn ; t know what to do because it was so overwhelming and I 'm told they saw I have a major law suits and didnt want to help me. Now I have all these new fraudulent charges on on XXXX of my accounts and wells fargo has totally cheated me out of thousands more and many of them they didnt even file as fraud or they hung up on me several times. I am not going to let this go and will go to media and I had aXX/XX/XXXXwith wells fargo playing with the kind of money Ive trusted them with. I want Justice and for someone to call me. I was told not to close my accounts because of all the money that has been taken from me and not returned from fraud. I am trying to handle this the right way but Ive been so XXXX XXXX and this has caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You wont belive this and wells fargo can pull all this up with my account. I will sent all my ACCOUNT INFORMATION BUT WELLS FARGO HAS PULLED MUCH OFF LINE AND CHANGED ALL THEIR WEBSITE SO PEOPLE WONT REALIZE THEY ARE BEING STOLEN FROM.

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 2022-08-13
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am new to selling a home and buying a new home. The mortgage lender did not disclose the need to supply an additional large amount of money to close my loan. I often reached out to ask why each XXXX disclosure seemed wrong. I was continually assured the cost to close would be as discussed when all the numbers were entered from the underwriter. The company has tried to say I knew all along. I have never received ( after repeated emails, phone calls, etc ) offering an explanation. I have only been told they are sorry but I am short $ XXXX to close. The company continues to try to bury their errors by increasing my loan amount and still requiring an additional $ XXXX to close. No accounting has been offered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$3900.00} OFFICE OF THE ATTY GENER XXXX XXXX XXXX XXXX XXXX {$470.00} US XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2022-05-01
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I opened a Coinbase account with {$200.00} and purchased Bitcoin. I never made any other transactions. In XXXX, I went to check my Coinbase account to see fi there were any tax impacts to the account and was told to provide identification documents to verify my identify which I did. When I gained access to my account, the balance was {$.00}. I called the Coinbase customer support line on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time was told that would open a case with no progress. The only update I received was that I needed to reverify my identity on line. The last feedback that I received was that someone had gained access to my account and that all transactions are final. 

I appreciate the finality of Bitcoin transactions but feel like Coinbase was not responsive and negligent in follow up. The customer support areas advised they did not have access to accounts and did not feel like they were empowered. At no point during my engagement did I feel any confidence that Coinbase was working to address my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
****My LAST 4 SOCIAL XXXX, the system kept saying I put XXXX # XXXX in the XXXX social # field. **** I started getting letters from lawyers office saying I'm being sued by a debt collector because I owe capital one {$13000.00} for a account that was opened in XX/XX/XXXX, charged off XX/XX/XXXX ... I used to have a capital one account bout 10 years ago, limit was round $ XXXX, I never had a credit with a limit that high. I closed the account because of fraud and identity theft issues that kept happening. I have no knowledge of the balance/account they are saying I'm being sued for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23
Company: DataMax Corporation
State: SC
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 've reached out to this company several of times in regards to this inaccurate information that they are reporting to my credit. I have no acknowledgement of this debt owed, I 've asked several of times to send pod ( proof of debt ) and they 've failed to do so. My next option is to contact an attorney and file a lawsuit for the inaccurate information that they are reporting. They are in violation of FDCPA by not providing proof that this debt actually belongs to me, in which that it does n't. This is hurting my credit tremendously and is bringing an emotional strain on me being that I am in the process of buying a new home. I am emotionally and physically stressed over this. I am giving them 30 days to get this matter situated otherwise I will pursue legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Signed up for a new checking account with Bank of America with the promotion to earn {$300.00} after {$4000.00} in direct deposits posted to the account. The direct deposits posted several months ago and the bonus has not shown up in my 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 2019-01-03
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was using XXXX XXXX for the first time using my Chase Visa card I called Chase to verify that I hat I would be protected for any purchases made through XXXX XXXX and was told that any transactions made on my credit card I was protected. I never received the product I have not been able to get in touch with the seller I put a dispute in through Chase two months ago and got a call back yesterday saying they could not help me I explain to them that I had called Chase before I made the purchase to verify that I was protected for this purchase and the Chase agent stated that it would be protected. I stated this to the agent that called me yesterday XXXX XXXX, I asked him to look at my records and see that I made the phone call and bring it to a supervisor is before they reapplied the charge to my account they did not! They replied to charge without even a second phone call. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing a complaint against Suntrust bank regarding my home equity line and how they are reporting my payment history to the credit bureaus. I have spoke on the phone with numerous SunTrust representatives all in a desperate attempt to repair my credit which was destroyed by SunTrust due to a bank error which occurred at the XXXX XXXX, Maryland branch in XX/XX/2020. The bank took my husbands principle payment of {$8500.00} for which we have a receipt and an made it a regular payment instead of a principle payment. That apparently kicked our account off of auto pay since they entered it wrong. When they went back in to put his payment toward principle instead of as a regular payment, that made it that there was no payment in XXXX and by XXXX they had us as 30 days late. We were never informed that they made these mistakes with our payment. It took me hours to figure out what the bank did wrong and why we were getting late payment notices. Once everything was figured out, they credited back my account all the late fees since it was a bank error. I assumed all was taken care of properly until my credit dropped over 100 points! I was informed that SunTrust is reporting us as 30 days late on our mortgage from XX/XX/2020. I assumed this would be an easy fix for SunTrust. However, NO ONE at SunTrust will take ownership and fix this issue. I was on the phone with XXXX XXXX for an extended amount of time. She read the notes, acknowledged the bank error and sent it to the investigative department again. However, I received yet another letter from Suntrust advising me that they will not change the 30 day late on mine and my husbands credit report. I sent follow up emails, went into my local branch. I have called numerous 800 numbers. I missed one call from a man from Suntrust who was supposed to be investigating. His name is XXXX at XXXX ext XXXX, I called everyday and left five messages pleading for a return call and I get nothing. I have been with the same bank since I was 18 years old. My credit was SPOTLESS. I need someone to help me fix this and no one from Suntrust has agreed to 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 2019-11-20
Company: STERLING JEWELERS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the incorrect reporting of my Kay Jewelers account as it is listed as closed. The account was opened in XX/XX/2018. My account has never been delinquent and all payments have been made on time. I have also called the company on multiple occasions to resolve this matter and it has not been corrected. This is a huge error that has negatively affected my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: DC
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 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and 3 ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their report.

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 2021-06-16
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ability recovery is trying to collect {$530.00} from me for ash worth college for a bill they stated I owe. I have written a letter to verify the debt and it was removed from the credit reporting agencies from and now has come back. When I originally wrote the letter I requested them to comply with the fair debt collection practices act and fair credit reporting act:1 ) providing me a contract or bill with my signature on it as follows : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 2021-12-08
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: Account information incorrect

Complaint:
On XX/XX/2021 I sent a very detailed affidavit of truth with evidence of all the issues I had with my credit report with evidence. I have attached that below. Experian responded back with a generic response saying " the debts were validated '' but they did not ever show me any original documents from any of the creditors that are on my credit report. I am the natural person thus the original creditor. I entered a consumer credit transaction with these organizations and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law, they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. Not one single account that I requested proof of validation was ever sent to me. I have expressed this issue to Experian, and it is well over 30 days since then and I am demanding that the invalidated debts be removed from my credit report.

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 2018-12-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A lot of banks was tried to be open on my behalf that I didnt try or authorize at all and now Im trying to get a bank but I cant please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.

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 2022-05-01
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
I have tried more than 5 times to have Chase bank to correct the closing date on my XXXX credit report. 

I just spoke with XXXX and they informed me that Chase has a freeze on my file so therefore no updates will be allowed on my Chase account. 

In the previous CFPB complaint filed in previous complaints, Chase never mentioned this and kept blaming XXXX for the reporting information. 

Chase has demonstrated that they are not a fair reporting company. I have spoke with Chase on numerous occasions and they never mentioned they froze my account from being updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX and XXXX Account # 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 explanation
Consumer complaint received 2023-02-12
Company: AXOS FINANCIAL, INC.
State: TX
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 got a letter in the mail to look at my refinance options on my car. Once I spoke to the gentleman he took my information and said he would do a soft credit check to see if I qualify. After a few minutes he came back in the line and said he could not give me a better rate than I have now. I have a 10 % interest rate with XXXX credit so I was baffled that he said that he said he could not help. A few weeks later it came up on my credit report that there were 2 inquiries from Axos Bank on XX/XX/22. I was mislead about the inquiry and even with that the company did nothing for me. I dont believe what was done was fair.

Company response to consumer: Closed with explanation