BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was tricked into joining a blessing loom, which at first that was recommended to me by friends, I thought would be a good idea, it seemed very legitimate and my friends had supposedly made back their money. I was then asked to pay XXXX $ to join on XX/XX/2020. The idea which was not thoroughly explained to me until after the XXXX $ paid, was to convince others to also deposit XXXX , and when 8 people were joined, we'd move closer into the " circle '' allowing us to then receive money. I was not aware of this. I later researched this type of money making and learned that it was a pyramid scheme! I soon started seeing news articles on how they trick you into this and that it could be illegal. So I asked for my money back to opt out of the circle, showed the other " members '' who would also request their money back. The person in charge, XXXX XXXX, said he would give us our money back, of course after heavily pressuring us to stay, he said he would return our money, but instead has not responded to the group chat using an app I never heard of called XXXX. So I thought instead I could use the app I paid him with to get my money back, the app being Zelle, that I believed would have fraud protection, but they do not, even though they are supported through my bank, they do not have consumer protection. My bank said over the phone I needed to contact Zelle, and Zelle simply said that there was no fraud protection because it's designed for " friends and family '' which was not made aware to me or anywhere on the transaction throught the XXXX XXXX XXXX  XXXX. So alas I am here now to see if anything can be done, after 2 days I am left without my XXXX XXXX and without any help or contact, and a man I didn't know who seemed trustworthy with my money, and my friends who didn't know what they were getting into either and tricked in to this, also without their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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:
There is a XXXX XXXX XXXX XXXX Account on my credit report that was opened fraudulently. I was not the one that opened this account. I have attached my FTC 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 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company and I am addressing the inaccuracies on my Credit Report. XXXX, XXXX, and XXXX are reporting inaccurate information on XXXX with the account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Southwest Credit Systems, L.P.
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:
Southwest Credit Systems is reporting a fraudulent account on my credit. I didnt authorize anyone to open this account using my information. PLease see the attached FTC report and remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a XXXX XXXX XXXX XXXX Account on my credit report that was opened fraudulently. I was not the one that opened this account. I have attached my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the CREDITORS regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX Credit Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau was reporting inaccurate information on JPMCB CARD SERVICES. Also, I tried contacting the XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
JPMCB CARD ***** Opened Date XX/XX/XXXX Balance {$510.00} JPMCB CARD ***** Opened Date XX/XX/XXXX Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: URS Holding, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
United Recovery Systems has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that United Recovery system cease calling my mother 's home where I do not reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. XXXX XXXX reporting guidelines state : Accounts reported in error must be deleted. 

The Credit agency stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they violated my rights under : 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 an 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 2016-09-21
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Adding additional details to a previous wrongful foreclosure case that did not allow the entire due process to occur, documents had not been transmitted in time, nor allowed to be transmitted in time, not only due to a technical error on the lenders end ( my sending it to them caused an error on the fax page ), possibly an error with the number or the line ... but also when awaiting further details from the EHLP Program and Social Security regarding benefits to help with structuring the forbearance and other payment arrangements, the lender proceeded to bypass those options and went immediately into foreclosure proceedings. 

Further attempts to inquire further at various locations, primarily at the University XXXX - XXXX XXXX branch, were halted and misdirected continuously and no solution was rendered. 

U.S. v. XXXX XXXX, XXXX, XXXX XXXX shows some of the fraudulent activity the bank was engaged in, especially when dealing with mortgage backed securities fraud. 

Documents regarding the XXXX case can be compiled to the misuse of funds the bank handled, while not only receiving HUD certified PMI funds, but also reclaimed the property and resold it. 

The eviction process aided in emotional damages to ailments, that eventually received their indication upon evaluation and post eviction Social Security determinations, however due to the process being such one that was slow and ongoing, did not meet the lenders requirements for immediate help and ultimately occurred after they kicked my family and I out and were left for homelessness. 

Judge XXXX XXXX made remarks regarding the wrongful foreclosure on his, " Fully Favored '' decision on the Social Security determination letter. Upon going to further therapy, XXXX was present during the wrongful foreclosure eviction, but also while engaging with employees when attempting to get clear communication and negotiations handled with US Bank representatives throughout the hardships mentioned. The diagnoses was in the process of being documented, yet was still present even before purchasing the house, due to ongoing and varying XXXX factors that did not makeup the reason for purchasing the house, but did require a safe place of shelter that allowed for recovery, which the bank upon completion of their processes, did not take into account, even when efforts to provide financial backing to recovery the property were undertaken.

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 2021-11-17
Company: Home Point Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was damaged by XXXX XXXX. Our insurance money goes into escrow with Homepoint Financial. We have submitted photos of work completed and previously received reimbursement for work we have had to pay immediately to contractors. Now the mortgage company wants an inspection. We understand ; after making the request for inspection in late XXXX and speaking to many Homepoint agents including XXXX, XXXX, XXXX, XXXX, and XXXX. The initial request was not made or documented by Homepoint according to XXXX. Once made, we never got a confirmation for inspection. We need our funds because contractors must be paid and we have exhausted credit cards, pension funds, and our sons ' college funds trying to cover rebuilding costs because Homepoint will not address this issue to inspect and provide escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Marlette Funding, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021, I applied for a personal loan with best egg. I provided my personal information and was informed that I needed to submit a paystub. I asked to submit an offer letter instead of paystubs due to the fact that I was starting a new job. I was informed that the company can not except an offer letter and pay stubs must be provided.After submitting all of the requested information, my application was never reviewed, I was never contacted by the company to request additional information and my loan was ultimately denied. When I attempted to contact a supervisor at the company On XX/XX/2021, I Spoke with a representative named XXXX and was denied The opportunity to speak with a supervisor by XXXX. I was told that I would receive a callback from the company however I have not heard back from anyone. I was also informed by XXXX that my application was closed due to the fact that I never submitted an offer letter. When I informed XXXX that I previously spoke with a representative at the company and was informed that I can not submit an offer letter there was no attempt to remedy the situation. I would like to have this inquiry removed from my credit report due to receiving wrong information from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: BARCLAYS BANK DELAWARE
State: TN
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 denied a credit increase. My credit score is in the good range. they cited 7 reasons denied according to XXXX. Called XXXX and they denied that any of the 7 issues were on my credit report. Tried to call credit dept to correct and they denied to do office and all phone numbers were leading back to department that denied to do correction. Would not give corporate phone number. Ruined my reputation and sent lies in a letter for credit denial.

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 2022-05-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/22 After i sent a XXXX payment of {$450.00} to my fiance as i always do on pay day for bills. XX/XX/22 XXXX received text message Chase Fraud Alert did I attempt to send {$2000.00} via XXXX XXXX XXXX replied no. XXXX another text no further action needed this transaction will be reversed with help from a phone representative. XXXX received phone call from Chase Fraud department asking me if this transaction was made by me advised no then asked if I was in Ohio on an XXXX laptop advised no I live in New Jersey & just arrived from work. He then advised me that activity was coming from another state & that my Chase account was linked to a XXXX XXXX account & was it correct I indicated no I do not bank with XXXX XXXX. He verified my email on file & was incorrect I gave the correct one. He then said that a email was sent with a verification code & in order to remove the wrong info & unlink the account to provide the code sent. I did what was asked. He said the next step is to send the money back to myself through XXXX & guided me through the process. He asked to send in increments of {$500.00} due to my XXXX limits were changed by the fraud & was the only way this can be done. After I sent the first payment & saw {$500.00} had been deducted out of my account I asked why that had occurred the call disconnected & that is when I realized I may have been a victim of fraud. I then contacted my bank & alerted them of my situation & was told unfortunately there was nothing they can do about it to contact my local police department in which I did & filed a report. I then tried contacting XXXX could not reach by phone so I filed a report with them in which they are investigating. I am very upset that my financial institution was unwilling to help me. I honestly thought I was dealing with my banks fraud department. It's bad enough that I was not smart enough to realize I was being scammed, but even worse that my bank just dismissed me as if I do not matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am doing a short sale so I can sale my home. I was previously informed by a representative that I need the buyer to at least offer XXXX. Another buyer offer XXXX which was the listed price after reducing it from XXXX. A new XXXX came in at XXXX. We submitted a dispute on a previous XXXX to justify our offer. We were emailed an appraisal stating XXXX with XXXX in repairs. Different reps are giving different information and I am the person that will suffer if the house goes into foreclosure. 
Also, investors require 88 % to 90 % of market value but the rep keeps stating we need to raise the offer. We have pointed out why the property is hard to sell and the clients are about to walk. He will not give what the bank is trying to net but says were a couple thousands off. We removed several items from the HUD-1 due to the reps request which increase their gain by XXXX. I think that is a couple of XXXX but maybe couple XXXX now means something different. I have emails and from the previous rep to support my claim. This is a serious problem on how banks treat customers and how they lose their homes due to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: Problem with personal statement of dispute

Complaint:
I have reason to believe the account you are furnishing are Fraudulent and incomplete because a XXXX was filed with the company 's. According to the IRS form XXXX must be filed regardless of whether the debtor is required to report the debt as income. This make the status of this account inaccurate or incomplete and must be deleted from my consumer report. Income is not stated on any consumer report. 

Also its so many inconsistency with your reporting across the 3 consumer reporting agencies. I have Photos to prove it. it's been a few investigation all came back verified but no method of verification has been sent back to me as i requested.

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 2021-11-17
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XXXX of XXXX My first payment of XXXX due on XX/XX/XXXX with a XXXX I dont have XXXX -Nov of XXXX but I can find if needed... .. these are the dates that payment posted to my bank account. These are payments of {$530.00} at a fixed rate of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ( for XXXX ) Paid XXXX XXXX paid XXXX XX/XX/XXXX. XX/XX/XXXX went on forbearance for XXXX mo, with agreement to tack these payments to back of my loan. On early XXXX went into loan modification with XXXX. XXXX picked up loan, XXXX modified again in XXXX ( I'm steady asking for paperwork on this and steady making my payment per origional modification XXXX XXXX at {$510.00}, untill XXXX they raised it to XXXX XXXX XXXX Steady getting forclosure notices past due notices. I kept calling to get paperwork on modification, and why I'm getting all these notices? Everybody gon na look into it and get back with me. NOBODY has EVER called me back XXXX have XXXX dates and times and names of who I spoke with trying to get this straightened out. Never the same person 2 times and nobody knows anything, except, that It shows all payments made on time and XXXX and that they failed to send me doc. to sign so the modification is not valid. I was supposed to be off forbearance XX/XX/XXXX ( STILL ON IT ) told them I didnt want to be on it I have complied with all the rules and because they failed to send me the paperwork It's not effective, Wrong > This is not due to any fault of my own. This is on them I asked several times for the paperwork and got nowhere My beginning loan was XXXX They say I still owe almost that much and all my payments made on the modification have been applied to past due payments ( that I should not have )! It's all a mess and I have tried to talk to them about it They have me starting forbearance in XXXX when in fact I was done in XXXX and started in XXXX ( XXXX ) plus I made a {$200.00} while still on forbearance for a total of {$10000.00} So How can they say I owe all this back payments that are supposed to be tacked to the end of my modification And they upped my supposed payment amount again! XXXX is royally trying to XXXX up my credit and my life. This has caused me undo XXXX XXXX XXXX How can they get away with treating people like this. I am XXXX yrs olds and live alone. I hope that they will be decent people and make this right according to the first modification as it should be, and get rid of past due and non payments and negative credit reports as should of been done over XXXX mo ago!!!!! How many old ladies have they taken advantage of?

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