BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I am filing this complaint due to Chase unjustifiably and suddenly closing my account and therefore causing me a large number of issues. I would also like to point out this company ( JP Morgan/Chase ) did NOT make any attempt to reach out to me about my checking account being closed. Instead, they locked my online banking account and sent me an email asking me to " sign in '' to check my messages in the online banking account. See the issue with that? Anyhow, the main issue I am currently struggling with is my car payment to XXXX XXXX being reversed after I initiated the payment with funds from my checking account with Chase. This payment was already due on XX/XX/2023 and as I am writing this, it is currently XX/XX/2023. This will affect my credit negatively, and thus, throwing me farther into what seems to be a recurring cycle in America regarding banks taking advantage of American citizens like myself. Upon opening the account, I was also promised {$200.00} USD upon my first direct deposit. I think it is no coincidence that well after I had made my first direct deposit, the account was closed by Chase. I spoke with 6 different agents over the phone ( calling from XXXX ) and I spoke with three employees at two separate branches in XXXX, PA yesterday ( XX/XX/2023 ). At this time, I am considering contacting my lawyer to pursue a settlement for the stress caused and the financial hole I have sunken into all because of Chase deciding to close this account, but I am more than willing to give them a chance to make this right. They are telling me ( after making me go into 2 different branches for absolutely no reason after claiming I would be able to retrieve my funds, wasting gas money and energy ) that they will not be able to provide my funds until XX/XX/2023 and that it can only be mailed to me as a check for the amount. I would like the {$200.00} that I was promised upon opening the account, as I completed all activities that were required to receive this payment, along with the {$780.00} that they owe me from my balance when they closed the account. To clarify, I have spoken to a total of 9 different employees that work for JP Morgan/Chase and they have all told me different things but most of all had come to the conclusion that Chase was unwilling to expedite my check in the mail, despite me possibly losing my vehicle to repossession due to this inconvenience they are causing me, which would then also sink me more into debt and ruin my credit score. Please, help me resolve this. With all of that being said, an expedited check in the mail or the option to retrieve my funds, a total of {$980.00} including the bonus offer of {$200.00} I was supposed to be given, would resolve this for me. If my car is repossessed, I will be forced to take legal action on this bank. Thank you to everyone at the CFPB for all of the help they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I'm having a very serious issue at the moment with BMO Harris Bank. XX/XX/XXXX a payment was made for XXXX, with a due date of XX/XX/XXXX for the amount of {$220.00}. XX/XX/XXXX, the Installment loan was closed without any warning and I have no idea where my funds went. XX/XX/XXXX I entered the BMO Harris location where the Installment was opened up. I was told there was no record of the funds at the current moment, by a Retail Relationship Banker by the name of " XXXX XXXX XXXX XXXX XXXX XXXXXXXX, there is no location of the account at the moment. She also made me aware I was on the " DO NOT CALL '' list, which she agreed was very odd. Why would I request for my bank to not call me? I was given Corporate number to call at XXXX. After speaking with " XXXX XXXX '' Resolution Team Specialist '' at the Corporate office, she was also unable to locate the installment loan. At this point I believe I was scammed by BMO Harris. How do you misplace installment loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: FC HoldCo LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
not correct address on account that over ten years old account that been on report for seven years

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 2023-06-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had an account and they closed 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 2023-02-06
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just want to flag for you that mortgage servicing companies are starting to dramatically increase the frequency of transfers for loans being serviced. Most recently, my loan was transferred to Roundpoint Mortgage in XX/XX/XXXX ( this was my XXXX mortgage servicer of XXXX ). 

On XX/XX/XXXX - I received notice that Roundpoint had transferred it XXXX Mortgage. I have no problems paying the mortgage, but I can not because the data to set up an account for me at XXXX has not yet been received according to the customer service agent I just spoke to. I know there is a 60 day grace period, but I now have to wait, go back in a few days, check to see if the loan details have been transferred, and only then set up a new account, pay the outstanding balance, and then set up another auto payment plan. Doing this once every few years isn't a big deal. Doing it XXXX or more times a year is a little over the top. 

When I spoke to the customer service agent at XXXX Mortgage he shared with me that he's seeing a massive uptick in mortgage servicing transfers and warned me to not to be surprised if it is transferred again quickly. This is kind of ridiculous. I'm running around chasing paper, having to share incredibly sensitive Personal Info including my routing and bank account numbers with multiple companies at a time when data breaches are on the rise, and I'm going to have to chase down all this info for my taxes to be sure I'm able to get the mortgage deduction I am owned. Isn't there anything the CFPB can do about excessive mortgage servicing transfers?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Equifax, Please see attached letter, drivers license, social security card. 

You need to add the rental tradeline onto my Equifax credit report. 

The rental tradeline company is also copied on this complaint to help assist if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account was closed on XX/XX/23 with a remaining balance of {$340.00} part of this balance is my direct deposit from my job. They told me it was mailed out to me. Then I called a month later and they said they never said that and refuse to pay me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The last time I overdrafted they refused to refund the fees.

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 2023-06-04
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I dont know what this debt is. It doesnt belong to me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open the account years and years ago. Always had problems with this bank resolving issues like fees, money taking long to hit the account etc. 
I tried not to use this bank. I ended up opening another account with another bank. I have very little money on the account and get charge for fees every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THE ACCOUNTS ARE ON THE FTC REPORT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states
a consumer reporting agency can not furnish an account

without my written instructions. 15 USC 1666B : A creditor may not tr
eat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This pertains to a now short sale on a property mortgaged by Wells Fargo ( WF ) from XXXX to XXXX and went through short sale around XXXX after I was in personal bankruptcy dishcharged in XXXX after the death of a co-borrower. 

I wanted to keep the property via a mortgage modification and WF requested income and bank statements to go through HAMP. Every 2 or 3 months WF requested updated documents for HAMP but never offered me a modification until after 1 year had passed.

I now understand they were prolonging this process for over 12 months so what was a condo in bankruptcy became a separate event. WF then said if I made 3 payments of around {$1600.00} they would consider modifying the loan but never offered a modification.

I did not make those payments and then agreed to sale the property which further affected my credit beyond the bankruptcy which now included a short sale.

WF seemingly had no intention to process me through HAMP but rather wanted a short sale if the property.

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 2023-03-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has made me wait days and days after I called and asked them numerous times to solve 2 issues that I was facing. One issue occurs when I attempt to transfer my PayPal balance to my debit card. At the time, I had around {$120.00} in my PayPal balance which could be used to make purchases or could be transferred to my bank. They made me wait days and days and didn't tell me that the reason why I couldn't transfer my money to my debit card was that the free service to transfer the funds which takes 1-3 business days is unavailable for cards and that instead I would have to use the instant transfer which charged about a 2.75 % fee. After calling numerous times, the final representative I spoke to informed me of this, and we attempted to link my XXXX XXXX XXXX XXXX XXXX account to my PayPal account, but the representative told me that this credit union wasn't allowed for some reason because it posed a " risk ''. They ended up linking my XXXX XXXX account instead, and I transferred my PayPal balance over to it. They won't allow my preferred bank which is XXXX because they say it poses a risk. The second major problem I'm having with PayPal is that they wont ' allow me to use my PayPal balance anywhere, because they say that it poses a " risk ''. I spoke to the representative for over an hour, she told me that every single place I attempted to make a purchase, based on them monitoring my activities over the past month, was flagged as too " risky '' for my PayPal balance to be used, and that instead I would be forced to use a different payment method like a credit card. They are not allowing me to use my balance anywhere to make a purchase, not even XXXX because they're saying that there's a " risk ''. They won't allow me to use my PayPal balance to make purchases, they won't allow me to use the credit union of my choice to transfer my PayPal funds, and their reasoning behind all of this makes no sense. How is XXXX too " risky '' for me to use my PayPal balance to make a purchase, but not too " risky '' for me to use a credit card through PayPal? They won't allow me to use my PayPal balance to buy things. It's my money. It's my right as an account holder to use my PayPal balance to purchase things, they're not allowing me to do so. They made me wait days to find all of this out. They refuse to allow me to send funds to my account with XXXX XXXX XXXX XXXX XXXX, so I had to use my XXXX XXXX account instead, and I didn't want to do that. They won't allow me to send funds to my bank of choice and they won't allow me to use my PayPal balance to make purchases online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
amount : {$2700.00} More than ten years ago, I opened a sole proprietorship business account with XXXX XXXX. However, in 2014, due to a failed XXXX XXXX XXXX that left me unable to work, I accumulated credit card debt. XXXX XXXX assigned the debt collection to XXXX XXXX XXXX, and eventually, I reached an agreement with them. I agreed to pay nearly 18 % interest plus the principal amount annually. In these years, I have never been delinquent on my payments. 

Last week, XXXX XXXX XXXX sent me a letter demanding full repayment of the principal amount in one lump sum. They also threatened to seek court judgment if I didn't comply with their demands. Currently, 92 % to 94 % of my income is used to pay off two other credit card bills with interest rates as high as 26 %, and I expect to clear them by the end of XXXX. Since XXXX XXXX voluntarily closed my account, they can not increase the interest rate from 18 % to 26 %. Now, XXXX XXXX XXXX has changed its name to Transworld System Inc. and is sending letters urging full payment and threatening legal action to seek court judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: 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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, 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 2023-04-24
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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 XXXXXXXX XXXX, XXXX I.Q. DATA INTERNATIONAL , INC, 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.

Not only was the debt incorrect, but we resolved this issue in XXXX, per the Covid Guidelines. I had no knowledge of this debt until I appeared on my credit report XXXX. Once I disputed it I received a letter from company stating it will stay disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Westlake Services, LLC
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:
Hello Im trying to reach the creditor to explain the account is not mine, and I called them more than 5 times but unfortunately they disconnected the calls, and they want to listen to me, this really fraud and trying to assign account not belong to me, its effect my score negatively. 
The company name is WESTLAKE PORTFOLIO MGM as per the attached Account overview Credit Close-UpSM WESTLAKE PORTFOLIO MGM XXXX Unsecured Loan {$84.00} Balance as of XX/XX/2023 Loan balance You've paid XXXX XXXX of your loan balance. 
{$2500.00} X Making on-time payments will help you chip away at your balance and is a key ingredient in your credit score. 
Payment details Payment status Past due 30 days Minimum monthly payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: CO
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX XXXX, account number XXXX, which has been collection. 
XXXX XXXX XXXX, account number XXXX, which has been collection. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation