BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Based in emails from XXXX from company XXXX XXXX XXXX, I sent money for invoice XXXX via wire transfer XXXX XXXX. 
This money send in two wire to Bank Name : JP Morgan Chase bank Bank Address : XXXX XXXX. XXXX, XXXX. XXXX, FL. ZIP, XXXX. 
Account Name : XXXX XXXX  XXXX  Routing Number : XXXX Account Number : XXXX one of XXXX USD another XXXX USD XXXX XXXX XXXX send me an email asking me for money In consecutive days the question has been kept. I always answered that it was sent on XXXX XXXX. 

XXXX XXXX, XXXX from XXXX XXXX  send me an email with inquiries about the money, and I tell her that i used the payment method that she send me, wire transfer. She deny this. I sent a screenshot abaout her email. 
And She Said " Oh my goodness! The very email that tells you that we can not charge a debit card would be the red flag, and I have never heard of XXXX. Also, we have been told by our own bank that wire transfers are the easiest way to get scammed so we never do them. A lot of the typing appears to be another language not of southern accent if you will. I am so sorry to hear this! Do you send wire transfers often? If you do, you must stop. These people are vultures and are just waiting for a situation like this. '' and today I have gone to file a complaint with the Spanish police. to Reportfraude.ftc.gov and CFPB .Since the WISE platform is not responsible for anything and JP Morgan Chase is impossible to communicate in Spanish

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: FORD MOTOR CREDIT CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX was repossessed after late payments due to XXXXORONA. I am a small business owner who saw a 90 % decrease in sales and my income starting in XX/XX/XXXX and well into XXXX. Ford did not allow me a lower rate or hold on payments they repossessed the car and left me with no car to get to my work, and reported late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: BARCLAYS BANK DELAWARE
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:
barclays XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct

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 2022-08-03
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This complaint is a follow up and addendum to existing CFPB Complaint ID # XXXX. I am attaching the e-mail I received from XXXX XXXX XXXX, in which she provides me with the contact information for XXXX XXXX XXXX XXXX I am making an addendum to this existing complaint to show that while XXXX terms it " XXXX XXXX XXXX XXXX XXXX '' she is doing nothing more than using a euphemism for relegating and coercing me into using their call center for XXXX XXXX clients, in retaliation for my raising and making good-faith complaints about U.S. Bank XXXX U.S. Bank Investments XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The " XXXX XXXX XXXX XXXX XXXX '' is not at all a " dedicated '' team to me ; they are a call center, and this is different treatment than other XXXX XXXX  customers are receiving. On our phone call on XX/XX/2022, XXXX attempted to coerce me into not using her team as my Private Client Bankers, as outlined in CFPB Complaint ID # XXXX. The e-mail I've attached to this complaint continues to demonstrate that XXXX knowingly and intentionally pressured and coerced me to using the general service center, rather than her team 's Private Client Bankers and Financial Advisors, because of the complaints of retaliation, discrimination and uninvested money concerns I brought to the attention of the CFPB and the OCC. Furthermore, I will have a {$150000.00} deposit incoming to my U.S. Bank checking account within the next two to three weeks, which is from my deceased husband 's pension. As a result of XXXX 's actions and coercion, I have no one locally or personally to assist me in investing these incoming funds, so she has relegated me to using a call center to invest this huge sum of money, despite my total investments amounting to well over what her team would handle from a Private XXXX Client servicing perspective.

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 2017-08-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX XXXX XXXX Banking Dispute with XXXX XXXX payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( XXXX will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called XXXX XXXX with me, XXXX XXXX XXXX XXXX banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX onXX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XXXX payment made with XXXX XXXX at XXXX XXXX location XX/XX/XXXX XXXX XXXX XXXX NY XXXX from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX XXXX is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone XXXX minutes being transferred back and forward Payment directly debt from XXXX  account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX p.m. stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: BANK OF THE WEST
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
An Bank of the West account was made by my wife. She closed the account almost immediately after creating it due to a name mismatch Bank of the West could n't correct ( she subsequently open another correctly the same day ). She funded with our XXXX credit card in the amount of {$500.00}. Since the closing, I 've been informed the money would be returned to XXXX. It has n't arrived as of today ( XX/XX/2017 ). The account was closed XX/XX/2017. The money was supposed to be credited back 7-10 business days later. Bank of the West is advising me to Dispute the charge through XXXX for Bank of the West. I 've asked them multiple times to check their back office to make sure it was sent and provide some documentation to that effect ( transaction id or letter stating they returned the {$500.00} ). They have so far refused to provide evidence they returned the money. I need evidence to file a dispute with 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 2017-10-09
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I became aware of an unpaid medical bill that was reported for collection, in the amount of {$56.00}. I had not been aware of the outstanding bill until the debt appeared on my credit report. The debt collector, MRS BPO, posted the collection twice, on two separate dates, to XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and twice on two separate dates to XXXX ( XX/XX/XXXX and XX/XX/XXXX ; the latter date is 12 days after the bill was paid ). On XX/XX/XXXX, I paid the bill in full by credit card over the telephone. The confirmation code I was given by MRS BPO is XXXX. I was told by the agent that the 4 derogatory entries reported to the two credit bureaus would be removed in XX/XX/XXXX at the latest, as they report improved accounts on a monthly basis. The entries have not been removed, despite the account being paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: Klarna AB
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an excellent payment history with Klarna and i pay off every order i have with them. I have no problem with a Company checking my credit when it's important and necessary and i know that the Company is checking my credit unlike Klarna that check your credit without your CONSENT cover it as a Pay In 4 option. Klarna claims to not check your credit yet on XXXX i received an alert that there was an Inquiry placed on my credit and i included a screenshot. Klarna claims to not do credit checks but this is a big LIE. I checked my credit report with XXXX on XXXX and KLARNA is on there for accessing my credit report without my CONSENT on XXXX. Klarna is LYING that XXXX checks your credit when Klarna is the ones checking your credit when in fact it's Klarna who is checking your credit and i included a screenshot from the Credit Bureau as proof that XXXX didn't check my credit Klarna did. Klarna also have this as a Bank Account when i have NEVER opened a bank account with them. So i contacted Klarna on XXXX about this and this is what happened ...... 

*AGENT # 1 ...... 
This agent refused to give me her name. She first said " Klarna doesn't check your credit it was XXXX that check your credit '' which i knew was a LIE because in all of my years of purchasing tickets from XXXX i've NEVER once known XXXX to check your credit for purchasing tickets with your Credit Card or your Debit Card and i've NEVER seen XXXX on my Credit Report. This agent then change her story and says, " Klarna check credit for purchases at Merchants ''. I then advised her that Klarna claims to not check your credit to shop at their Merchants. Then she changed her story again. She put it all on XXXX then she hung up in my face. 

*AGENT # 2 ...... 
This agent was Rude and kept being Sarcastic and XXXX telling me " you don't know me ''. This agent sat and told me that Klarna checks your credit when you use certain cards. I told her that was the dumbest thing i ever heard since Klarna claims they don't check your credit. I also informed her that i've NEVER had any Merchant check my credit because i'm using my Credit Card or Debit Card. Then she started being Rude saying, " yea i am XXXX and XXXX but you don't know me ''. Clearly their agents have ZERO knowledge about credit or assisting customers when they call in. 



Klarna clearly teach their employees to just Blatantly LIE and tell customers anything because they obviously think that customers are stupid but a smart customer like me will look into what these people tell you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2021-10-07
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: Account status incorrect

Complaint:
Account for XXXX was sold to XXXX XXXX XXXX and it was removed. Now in XXXX its been sold to another company and its back on my credit report. That account should be closed permanently.

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 2017-10-09
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: Account information incorrect

Complaint:
Bank XXXX XXXX is incorrectly reporting the last activity on the account. The last payment on the account was in XXXX XXXX. There has been no payment, reinstatement, or any other agreement to reinstate loan after the last payment. The credit reports are showing payment activity through XXXX which is incorrect. This credit line should be corrected to reflect the last activity/payment XXXX XXXX. This loan was accelerated on XXXX/XXXX/XXXX and there has been no payments, agreements or reinstatement of the contractual loan since the acceleration.

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 2021-10-07
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:
XXXX, XXXX, and TransUnion is reporting 2 accounts on my credit report and they are not my accounts. I never received anything in writing about these accounts from either company or from all 3 major credit bureaus. 

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 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX nj XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, 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 2017-08-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
X/X/17 submitted a request to cancel PMI in writing.
X/XX/17 request to remove PMI was declined. They say because my LTV ratio does not meet requirements. I have 57 % equity in my house and it 's been about 8 years since I refinanced. I have lived in my home for 9 years. There was no appraisal done when the loan was funded. They are saying the amount my loan was funded for is also the value of my home. This is incorrect information. I was told I can not speak with anyone that handles PMI removals and was instructed to submit another request to dispute the decision and why. X/XX/17 sent letter via fax disputing the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Other fee

Complaint:
Here are the key facts : I opened a credit card ( Regions Bank DBA XXXX ) in college at XXXX University ( XXXX - XXXX ). Date account was opened XXXX/XXXX/XXXX. 
I paid as agreed until the card expired I left college, got married, changed to my married name, and pursued joint credit products to support new our new lifestyle The original account went dormant ( address was still maiden name and student address at XXXX Univ. ) Regions Bank ( DBA XXXX ) applied an account service charge in XXXX, but consumer was not made aware. 
Regions Bank should have known that account was dormant because no subsequent card was activated since late XX/XX/XXXX. 
Regions Bank reported card past due 180 days. 
Customer discovered mistake in XXXX XXXX during mortgage refinance attempt ; fees skyrocketed when applied jointly. 
Customer notified Regions Bank - account was closed ; customer service representative pledged to correct credit history. 
Customer had to remove name from mortgage application to get fees back down ( fortunately husband 's credit score is XXXX - based on all jointly held accounts since XXXX ). I was not able to get a mortgage loan to refinance my existing loan at prevailing rates. The only way to move forward with the transaction was for my husband to refinance the loan in his name only. This makes no sense because in 17 years ( since XXXX ), every one of our credit projects have been held jointly by both of us. He has an XXXX credit score, and mine has been marred by this erroneous information that the lender ( Regions Financial ) refuses to correct. 
Customer reviewed credit in XXXX ( XXXX ), and discovered adverse data had not been corrected. 
Regions must have applied the service charge in XXXX XXXX because my account went 30 days past due in XXXX XXXX. 
Customer contacted Regions Bank - customer service representative said " nothing could be done. '' Customer sent letter to Regions in XXXX XXXX. 
The bottom line is that I feel like I have been a victim of an institutionalized credit system. I have paid all bills presented to me. And I have paid all debts incurred by me. I am very upset that my credit history has been so negatively affected by a creditor who applied service charges on a card that I did not receive ; that I did not activate ; and that I did not use for personal benefit. I feel like the credit system has failed me and my family. 

Thank you so much for your help. I read the XXXX XXXX article titled " The agency that 's got your back. '' And it gave me hope that my voice might be heard. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX 2017, Wednesday XXXX XXXX emailed XXXX with questions RE : questions about requirements, qualification ratios and Conditional Credit Approval Letter ; X/X/2017, XXXX XXXX voicemail to XXXX RE :  questions about requirements, qualification ratios and Conditional Credit Approval Letter X/XX/2017 CONFIRMED BY PHONE ( XXXX XXXX ) ... XXXX STILL WORKS THERE. as of today XXXX XXXX 2017, Monday, XXXX XXXX she has not responded ALL my questions. X/X/2017 XXXX XXXX XXXX confirmed the approval is contingent on my selling my existing home but has not answered my other questions, in particular, I want to know why I have to sell my existing home before I can get approved for a new loan AND why my existing home ( that has no mortgage obligation ) has to be sold at a price such that the net proceeds equal an amount specified by 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 explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have reach out to transunion so many time they will not update 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 explanation
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed inaccurate accounts on my credit report with XXXX, TransUnion XXXX After the 30 day dispute I received an reponse to the credit dispute I ask for XXXX XXXX TransUnion to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..

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