BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in  XXXX  for {$110000.00}. We had a second mortgage of {$10000.00}. I filed Chapter  XXXX  Bankruptcy in  XXXX . My payments were made on time during the bankruptcy. I was paying two payments to the company. One payment for the arrears and  one  payment for the current payment. My bankruptcy was successfully discharged in  XXXX . After my bankruptcy, my mortgage company proceeds to tell me that my balance on my first mortgage is {$99000.00} and the balance for my second mortgage is {$10000.00}. I have written letters, called the mortgage company and was told someone would call me back. I have reached out to my attorney who asked me to contact the mortgage company. I 've tried contacting the Trustee who sent the payments with no response.  <P/> I was willing to work with everyone but now that I have paid over {$70000.00} throughout the plan to the mortgage company, my attorney AND the trustee -- everyone seems to not know anything and are n't trying to rectify the situation. The balance should not be the same as it was 12 years ago, when I have been making continuous payments.

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 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over a period of 12 days there were seven fraudulent XXXX transactions that completely drained my account ( {$8300.00} ). I called Bank of America to report it but they said it was XXXX 's problem and all they can do is record it. I called XXXX and they don't even have an option to talk to someone if you use their service through a bank. The bank reversed the overdraft fees incurred but said the {$8300.00} is out of their hands ... and now continue to charge me overdraft fees ... .but I can't put money in my account or it will be stolen.

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 2020-02-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have credit score of XXXX but still my card application is denied due to the reason : We weren't able to verify your identify. 

Then later the reason is being mentioned that " Too many recent inquiries '' Please refer to the following CFPB complaints : XXXX ( XX/XX/2020 ) XXXX ( XX/XX/2020 ) I called Chase and had around 30 minutes of discussion about the same on XXXX XX/XX/2020. First with XXXX and customer Service ( XXXX, TX ) According to XXXX, within 12 months - 4 credit card accounts are opened by me plus my another chase account ( XXXX ) which was closed by Chase are the two reasons for the closure of my account. 

So essentially, every time Chase has a different reason for denying my credit card applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Experian Information Solutions Inc.
State: SC
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:
In  XXXX   XXXX , I was  XXXX  and in search of new car. I went to   XXXX   XXXX     XXXX  in  XXXX , SC and spoke with a gentleman with the last name of  XXXX . We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that  XXXX  offered. I left the delearship with no car and about  XXXX  hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in  XXXX  inquiries. I bought the agreed upon car for the agreed upon price in  XXXX   XXXX  at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and  XXXX   XXXX  is probably still doing shady practices to unsuspecting consumers.

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 2021-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I received a refund from XXXX credited back to my card for XXXX. It has been almost two months and XXXX has stated that the amount was sent to the bank and Bank of America will not look into it. I have called and they open and then closed the dispute

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 2022-04-04
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: Was not notified of investigation status or results

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-03-04
Company: EQUIFAX, INC.
State: AZ
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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 belongs to someone else

Complaint:
i am a victim of fraud, i did not do these inquires nor do i know where the collections came from. 

XXXX XXXX XXXX Collection {$400.00} XXXX XXXX Collection {$4600.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2021-05-15
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SOURCE RECEIVABLES MNG Original creditor : XXXX {$1800.00} Balance updated XX/XX/2021 This company Source Receivables MNG never approach me in an email, through the USPS, or any other method of notification that I need to respond to a debt that was given to them by XXXX. I got notifications on all credit reports today XX/XX/2021 that I had a new collections account on my credit report. I want this removed, I am willing to pay a portion of the debt in the amount of 10 % of the total amount equal to {$180.00} and it be removed without the statement of settled or any other language, completely removed. 

Thanks in Advance, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Checked my account and saw my score down -54 points with no explanation this is a deceptive technique as this is retaliation for informing cfpb and other federal agencies about the fraud that is being done on a nationwide level. 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act. Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. XXXX  was not given the chance to opt-out of having this reported information about XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transactions must be excluded from your consumer report. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Paypal Holdings, Inc
State: KY
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In  XXXX   XXXX , I was   XXXX   and in search of new car. I went to   XXXX   XXXX     XXXX  in  XXXX , SC and spoke with a gentleman with the last name of  XXXX . We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that  XXXX  offered. I left the delearship with no car and about  XXXX  hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in  XXXX  inquiries. I bought the agreed upon car for the agreed upon price in  XXXX   XXXX  at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and  XXXX   XXXX  is probably still doing shady practices to unsuspecting consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Follow up complaint ID XXXX Capitalone reply did not address my concern at all, it did play games. 

Please read carefully my complaint and their reply. 

They did not address the actual issue. 
It is not for a credit, but for a charge which I did not purchase ( cancel ). 

I need you give me Capitalone higher level manager office email and phone so that I can contact them, I consider CapitalOne credit not good, I will not use them any more if they do not fix. 
Thanks. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written to TD Bank three times requesting proof that that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: AL
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 sent a letter for Bankruptcy case number XXXX months ago of this item is inaccurate and has not been properly investigated. This is my second or third time asking XXXX, and Equifax to show proof of how they have verified this account, and they have yet to provide proof and I feel like I'm being taken advantage of. They only say " verified '' which isn't sufficient when I clearly asked for proof. It also shows me they aren't doing their proper due diligence concerning the matter. On XX/XX/2021, XXXX XXXX sent documentation stating that they removed bankruptcy case XXXX from their report. After that, I sent a dispute to XXXX and Equifax stating that XXXX XXXX has removed this account. XXXX XXXX is the company they report to, to verify bankruptcies. If XXXX XXXX has removed this account, XXXX and Equifax are lying or not going through proper investigation to verify items like they are supposed to do according to FCRA Laws. My family and I have been in much distress because we can't get any housing and were being denied for everything we apply for. At this point, I don't know what much else to do for help besides getting a lawyer to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In  XX/XX/XXXX I took out a loan on my home with  XXXX    XXXX   for {$310000.00} and made all the payments on time until  XX/XX/XXXX that they convinced me to request a free no charge loan modification with the Federal Government, the HAMP Program. I sent in the required loan modification documents signed and notorized and they have never returned the signed copy by them. They have mis-applied all my payments made to Principal and the present balance of my loan should be down to about {$200000.00} with the obvious decrease in monthly payment amount. They reply that they refuse to answer my questions. The alleged " servicer ''  Caliber Home  Loans has acknowledge the " errors '' made to my account but refuses to audit the loan from the beginning since they have been modifying and changing the running balance and know it. The evidence in all the different amounts they claim are owed which is simply an accounting error on their part. They have never applied my payments correctly to Principal nor given me a signed copy of the modification agreement as you can see yourself. Please get the competent authorities involved and I have a right to be a part of any and all insurance and pooling and servicing agreements. They have used my signature to take out a line of credit secured on my home and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Somebody tried to open a checking account on XX/XX/2022 at XXXX in my name. I notified the company to stop the account from being opened. they used my ss # and email address. the company withdrew its application from account being open.. I asked the company for information regarding who open the account. they refused to give me any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020, two bank accounts at Bank of America were opened using my identity AGAIN. This occurred in XXXX and I was assured of investigation. There was never really a conclusion as to how my personal information was allowed to be used to open a checking and a savings account. When this happened in XXXX, I immediately contacted the 3 credit bureaus and 20 other agencies. I thought this was an isolated incident. I was shocked yesterday to I receive 2 separate letters ( which had gone to my old address in Wisconsin ) in the mail from Bank of America telling me that they had closed two new accounts ( on XX/XX/2020 ). I phoned Bank of America and spoke with their fraud department who assigned fraud claim numbers. I am concerned that this will never stop happening. Twice today I have tried to phone them and each time I'm on hold and never get through to anyone. When I did reach someone very accidentally, I was asked to provide my phone number which evidently did not agree with whatever was on these ( now closed ) accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: AES/PHEAA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In   XX/XX/XXXX , it is  alleged b y Fedloan that I m ade a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after Fedloan reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  Fedloan sent  me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid with  one che ck. When I paid the loan off in full in   XX/XX/XXXX  , I made  one paym ent with  one check to satisfy the remainder of the loan. I made one late payment, it should be reported as such. A prospective employer, landlo rd, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contac ting Fedloan and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a hom e has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year  XX/XX/XXXX . I 've been told by landlords my  credit score is too low . When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?  <P/> Update : I got an email from a crimina l investigator w ith some organization. I was so excited that someone might be investigating criminal charges again st Fedloan, I   told all my friend s. One said be  careful, figure out who is contacting you. I googled it and found this organization is actuall y Fedloan! Why would Fedloan send a CRIMINAL investigator to contact me without saying they are from Fedloan? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! This is far from closed Fedloan.

Company response to consumer: Closed with explanation