BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
LoanCare ( XXXX ) received transfer of loan in XXXX. The loan was transferred with a surplus of {$980.00} escrow. 

Loancare has not advised of how the escrow surplus was allocated. 

State of California HAP program sent funds to cover XX/XX/XXXX through XX/XX/XXXX mortgage payments. The funds were sent over 3 weeks ago. 

State of California has reached out to me requesting LoanCare provide confirmation that funds have been applied. However, LoanCare continues to report me as delinquent ( violation of RESPA 60 day reporting rule ) and has not applied the funds to bring my acocunt current. 

I have made 50 plus calls and emails to LoanCare requesting they provide confirmation as to how HAD funds have been allocated. 

All my requests are given the response of loncare needs more time to apply. Meanwhile, Loan care shows me as 90 days delinquent on my loan in which I have already requested and received help to bring current. 

My concern now is that LoanCare reported me as late and although they received HAF funding, they are not applying to my acocunt in a timely manner. 

I now have late fees imposed by them, am being reported late by them while the State sent them funds to bring me current weeks ago.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXXXX/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 2023-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had an account at Chase Bank that I used to transfer money to buy cryptocurrency it was purely a checking account that generally had {$200.00} to {$500.00} in it give or take. After periodically adding money and withdrawing money to transfer to by cryptocurrency I noticed I was being charged monthly for having less than {$500.00} in my account at the beginning and end of the month. I don't remember exactly how much the charge was but I was not spending money with a debit card or credit card attached this account I was purely transferring money to and from it. When I went to close the account knowing that I had at least {$100.00} in there I was told that I had a negative balance of over {$35.00} but they would be glad to wipe that to a XXXX for me. It makes no sense to me why banks are allowed to charge for simply not having {$500.00} in your account. I'm not talking about having {$500.00} in your account while you're trying to process a transaction or transfer I'm simply talking about not having {$500.00} in your account throughout the month and they charge you for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CBC Companies, Inc.
State: MO
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account Number XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : 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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00}

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 non-monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
On XX/XX/23 I submitted a dispute to the credit reporting agencies to validate and send physical evidence such as a signed contract by me or signed agreement between the accounts reporting. The following accounts are XXXX XXXX and XXXX XXXX. They have not produced such documents verifying these accounts to me. Please see attached letter. As per 15 US 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. the are non compliant and negligent with the information they are producing on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: HI
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 been calling equifax everyday giving the proof of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, at exactly XXXX pm, I used a Bank of America ATM at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX. The ATM ID number is XXXX. I attempted to deposit {$2800.00} cash into the ATM. It processed and said, " Is this amount correct? '' I clicked confirm, then it said " processing transaction ''. The circle spun for about XXXX minutes trying to process until the ATM said " Transaction canceled '', spit out my card, kept my money, then returned to the home screen as if nothing happened. I never got a receipt, and the money was never deposited into my account. I filed a claim with Bank of America and as of today, XX/XX/XXXX, they still have not issued me my money. They keep giving me the run around etc. That money is the rent money that I need for XX/XX/XXXX rent, along with other bills. I have a pregnant wife and baby on the way. We are a single-income family and I currently can not pay my bills. I do not have time to wait for Bank of America anymore and need assistance with this issue.

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 monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Valorem Lending LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We completed an appraisal on behalf of the mortgage company and VA for use in the underwriting of a VA mortgage loan. The mortgage company has not paid for the appraisal services and has certified at the time that the order was placed that funds were collected and being held for this payment. The order requester XXXX XXXX XXXX ( NMLS # XXXX / AZ license # XXXX ) has misappropriated funds in the lending process. 
Funds collected from the veteran borrower to pay for the appraisal were never forwarded to the appraiser for payment of services. 
The appraisal was completed on XX/XX/XXXX. A total of 6 invoices have been sent. the VA regional loan center has been made aware of the non payment. 
A search of the XXXX website shows that XXXX XXXX XXXX  is a trade name of Valorem Lending LLC. Valor lending was contact by email and phone on XX/XX/XXXX. The receptionist confirmed that XXXX XXXX XXXX is doing business under there name. Received payment on XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was a customer at Wells Fargo for 11 years before the closed my account for no reason. In those 11 years they constantly over charged me and took money out of my account for overdraft fees that their fees made me overdraft and then they charged me for it. This happened over and over over the 11 years. Then when I said I was going to go higher then the branch to get some of my money back they closed my account after they charged me so many fees it put my account in the negative. Its not right what they are doing to people. Because of all the money they took from me I lost my house and had to move in with family. It really did affect my quality of life and I still havent recovered. It would be the right thing to do to give me some kind of compensation for all the years I banked with them and they were stealing my hard earned money!

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 2023-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Wells Fargo took the car, wouldnt let me refinance to lower interest rate and I couldnt afford the loan and they took it.

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 2023-03-21
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a bank account at Wells Fargo. I was charged an overdraft fee for about {$600.00} when I wasnt even close to {$0.00} in my account. It was taken and I havent gotten it back.

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 2023-05-20
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was a victim of Identity theft. My name and SS number was used to open an account by Goldman Sacks Bank USA in XXXX of 2023. I got an alert on my credit score last month showing account past due for 60 days. I have called Goldman Sacks several time. They were unable to verify my account because my date of birth, email and phone numbers were all wrong in their system. I updated my information and asked for statement to be sent to me so I can see what is going on but they did not send any information. I also filed a complaint on XX/XX/2023 with specialist XXXX and never received a response. It was fraudulently opened and I am very frustrated as it affects my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Telsa Motors Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I bought a NEW XXXX XXXX at XXXX XXXX location. It was brand new. I took it out of the dealear and it has safety issues : the seat belt is not working. The safety future that shows me the cars and obstacles arround is not working, The autopliot is not working. 
The parking assit is not working. 
I went back to the dealer 2 hours after to tell them about all the issues and they did not help. I cant drive the car cause is risky and i want the car fixed or my money back.

Please help me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Avant Holding Company, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account should not be furnished on my consumer report nor through your internal system as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY. 

Avant Personal Loan : {$2300.00} dollars charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Theres been a problem with inquiries on my report that I did not do they had no permission to use my name to file these inquiries and they cant provide my application or signature for the verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau regarding my denied fraud case with Bank of America. As a private living man, on XX/XX/2023, I was at a family gathering at a nearby eatery and my phone was stolen while I was under the influence of alcohol. I later discovered that {$5000.00} was sent out from my Bank of America account without my authorization. 

I immediately reported the fraudulent charges to Bank of America and was initially told that I would receive a temporary credit while they investigated the matter. However, over 9 days later, I was informed that my fraud case was denied. 

I am extremely disappointed with the way my case was handled by Bank of America and their failure to provide me with a satisfactory resolution. The fraudulent charges have caused me significant financial loss and stress. As a private living man, I believe that the denial of my fraud case was unjustified and I am seeking your assistance in resolving this matter. 

I request that the Consumer Financial Protection Bureau investigate my case and take appropriate action against Bank of America for their failure to uphold their obligations and responsibilities to their customers. I also request that you provide me with information on the steps I can take to ensure a fair and just resolution to my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, 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 an 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 1681s-2 ( A ) ( 1 ) A personal shall not furnish any information relating to a consumer to any 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 explanation