BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-19
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I believe I have been charged in some cases for estimates, or estimates for future services. There are also excessive fees have been, and continue to be charged to my account, such as property inspection fee, charged when no services have been performed, or charged less than 45 days apart, when property inspection reports, home is occupied and in good shape. 

Please accept this letter under RESPA and/or TILA. 

Please provide the following information regarding the above referenced loan : Please provide a complete, itemized list of fees, charged to my account, with dates of services performed. I also need all invoices, for fees paid, for services performed, and fees owed. Please specify if any fees are estimates, or estimates for future services. Please fix and adjust all errors, on my account. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a phone call on XX/XX/2021 from XXXX ( this is the WF fraud department ) as I was driving. The representative calling informed me my card ending in XXXX had been compromised and someone was trying to use this card in XXXX at a XXXX XXXX and asked if it was me. I quickly responded, No that was not me. She then asked about the last 5 or so transactions to ensure they were accurate. She advised to cut up the card and WF would send a new card in the mail. She then said, did you set up a wire transfer in the amount of {$5400.00} to which I said absolutely not. She said, o.k Im sending you a confirmation number to your phone number I need you to confirm your identity please read me that confirmation number. I glared at my phone, as Im driving to report the number in which I do. She asked if I had received an email confirming these details and I quickly glance in which I read the details and at the bottom it says if you feel this is fraudulent call XXXX. I stare at the phone number on my phone and the number to call from my email for WF fraud and the numbers are the same, so Im pretty confident Im being accurately helped. She then asked if I had initiated a wire in the amount of {$19000.00}. That absolutely wasnt me! She again asked for the confirmation code being sent to my phone and I report it back to her. At this point Im starting to become suspicious as to why I would have to confirm my identity again. I pull over to read the texts and the texts state do not share this number with anyone. I inquire with the representative and she states that all calls are monitored and recorded and she needed the numbers to confirm my identity. I inform her that I dont feel comfortable and that Im heading into the nearest branch. She responded by saying, absolutely head into the branch, any extra layer of protection for your account is better for you. I immediately head into the branch at XXXX XXXX XXXX XXXX, CA XXXX. I frantically rush into the branch with her still on the phone and ask the seated representative for help. He asks me to wait in line at the teller and about 1 minute later she hangs up. About 8 minutes go by until I can be helped in the branch. When they pull up my account 2 pending wire transactions are on the screen and I advise they were not from me. The representative at the branch calls the fraud department and at that point I felt that everything would be o.k. Well here I am 2 weeks later out of {$24000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Cash advance fee

Complaint:
Made a double payment into my chase freedom resulting in a positive balance of over XXXX dollars. After speaking with a costumer service over the phone ; " was told to go to the bank and request my money " the bank did not discuss any fee relating to getting my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: BANK OF THE WEST
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, someone walked into a XXXX XXXX, Iowa, Bank Of the West Branch and withdrew {$7000.00} using a counter check. The bank teller never checked the signature against my actual signature on file and handed the fraudster {$7000.00}. The signatures are not even close to matching, and several BOTW employees told me that checking the signature card on file was the standard operating procedure. The fraudster tried going to another BOTW and was turned down because he did not pass any of the security checks.

BOTW has completely shut my online access off for an entire week ; it just gave me a new account number that I can not use because I can not access any of my funds. BOTW had a bank teller hand out my money to a fraudster, and now BOTW is holding my money hostage and has not put the {$7000.00} back even though the XXXX XXXX police apprehended the fraudster. 

Now BOTW had me drive XXXX miles to a branch in Arizona where I live for nothing because I was told they could handle it online. Then the next day, I had to drive back to the branch XXXX miles away because they forgot about the fraud affidavit. So now they keep having me fill out the wrong forms, and a week later, I still don't have access to my money in my account, and I have a business to run. Nobody knows how to do anything correctly, and it is causing me more issues and time that I do not have access to my account. I have three people supposedly helping me, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and nobody can produce a new account with access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, my husband 's wallet was stolen in the subway system in XXXX, XXXX. He lost his JP Morgan Chase debit card along with driver 's license, credit cards, etc. We notified Chase about the theft as soon as possible the same day. ( We were in a XXXX XXXX  with limited cell phone functionality, so we weren't able to report the theft as quickly as in the XXXX ) The thief or his accomplice used the debit card to make XXXX purchases totaling {$1000.00}. All transactions took place on Friday XX/XX/XXXX and were processed on Tuesday, XX/XX/XXXX. 
At first, Chase reversed the charges, then changed course, said we were responsible for them after all, and removed the funds from our checking account. We had XXXX fruitless phone calls to the service line to try to understand the bank 's reasoning. The only information we were able to get was a schedule of the charges ( with dates, no time stamp ) and a statement that they were deemed valid because we approved or authorized them. We know the theft took place between XXXX XXXX  and XXXX XXXX  because we were on the subway during that time, on our way to a lunch date at XXXX. Chase must have a time stamp for the disputed charges that would show they took place after XXXX or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Crux of issue : XXXX calliber did not receive my proof of insurance. Somehow XXXX years later they assessed {$4000.00} to my escrow and evoked a payment though my insurance company. Escrow ballooned and so did payment..not to my knowledge. Additionally Caliber did an inaccurate tax forecast that ultimately needed to be corrected that contributed additionally to the inflated monthly payment. When I was able to connect with Caliber Customer service ( they had called several times but left NO messages ) It took XXXX calls and XXXX days for customer service to clearly state what the issue was. Reps who said they would call back never did. Their esrow department could not explain why there was huge spike in escrow, each representative had a different story. Ultimately Caliber held my on-time payments, did not post them to my account and did not return my checks to me ... and most importantly they did not apply my payments to my account. For the two months ( XX/XX/XXXX ) that this was being resolved they reported me late 30 days. I called and wrote them to review, I also disputed through XXXX. They denied my requests to remove the XXXX 30 day lates from my credit report. 


XXXX I contI was told by customer service that XXXX said that because it was reported late in the system she can not change it. Seems unreasonable Other - Payment was made on time ... caliber help my $ $ 's and did not return them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, I received a XXXX notice about a possible fraud last night XX/XX/2022. It was in regard to XXXX XXXX accounts. I denied opening any accounts on XXXX and contacted XXXX XXXX. I spoke with the Frauds department who confirmed that my identity has been stolen! She couldnt give me much information however, it seems as though the imposter has possibly verified my drivers license as well. She told me all accounts had been shut down but couldnt give me any information on when they were attempted to be opened. She said there will be an investigation and I would be receiving information once everything has been resolved. We also figured out that the imposter was using an invalid address also. I then called XXXX and reported the fraud. They too opened an investigation. I got notification this am via a XXXX email confirming my opened accounts : XXXX convenience checking and savings. I also received an email stating that my email address has been requested to be changed. I called again to XXXX XXXX to verify all accounts were locked and it was confirmed. I plan to contact XXXX ; however, it is closed for the XXXX XXXX holiday today. I wanted to get this report in ASAP to make sure there isnt too much damage to my credit report and we can hopefully resolve this issue ASAP. Please let me know if there is anything else that I need to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX bought a balance sent to collections by XXXX XXXX XXXX. The XXXX shows as a closed collection account on my credit report. XXXX has reported this as a new collection account with their company, even though it duplicates an existing debt. I have disputed it with the company and they refuse to remove it without payment in full ( extortion ). They show the account was opened with them in XX/XX/2022 ( which, I assume, was when they bought the debt ). They have tanked my credit with this and made me unable to re-finance my student loans. This is illegal, extortion, and predatory. Please help! 

I've attached Experian, but they are fraudulently reporting it to all 3 major credit bureaus.

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 2022-11-11
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has not provided credit report, yet sent correspondence requesting which items on the report are being disputed. This entity has been asked to remove all items on the credit report which have not been verified with contract signature, appropriate identification and/or social security card. This agency has been asked to remove all addresses not reflective of the current address and many alternate reporting agencies have inaccuracies related to addresses. This entity has allowed unauthorized inquiries on my report and unsoliciated credit and insurance offers.

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 2021-07-26
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a car loan that i was caught up on with payments and wasnt over due during the time of the wreck. I also had GAP and full coverage at the time of the accident that was not my fault. However, dealing with the insurance companies took longer than it shouldve so i missed a payment. The company charged me for that month and I believed that it was paid off and good to go since the accident was not my fault and i had full coverage and gap insurance. At the most i owed was one payment of XXXX.I purchased a new car but after that I received a letter in the mail stating I still owed a months payment on the car which I told them the GaP shouldve covered and they said it didnt. They had sold the policy to another agency and the more interest was added which during the last conversation I offered to pay {$500.00} to close out and they declined at the time saying I needed to pay $ XXXXI refused because that was ridiculous for an accident that was not my fault, and i had full and Gap coverage. I've realized that now i have a charge off on my report for XXXX. I have tried to get this removed but had little help. Please help anyway that you can. Thank you.

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 2021-07-26
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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : Account Number : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-18
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: Information belongs to someone else

Complaint:
The company continues to report inaccurate information on 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 2019-02-16
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an acct on my credit from CMRE FINANCIAL SERVICES in the amount of {$330.00}. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. If they are unable to provide documentation. I want this removed from my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 do not authorize these fraudulent inquiries to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting act XXXX XXXX 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 In accordance with the Fair Reporting act XXXX XXXX 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 In accordance with the Fair Reporting act XXXX XXXX XXXX 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 In accordance with the Fair Reporting act XXXX XXXX XXXX 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 In accordance with the Fair Reporting act XXXX XXXX XXXX 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 In accordance with the Fair Reporting act XXXX XXXX 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 In accordance with the Fair Reporting act XXXX XXXX XXXX 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 In accordance with the Fair Reporting act XXXX XXXX XXXX, has violated my rights. 


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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I noticed it is a lot of fraud and inaccurate information on my credit report that I want removed.

Company response to consumer: Closed with explanation