BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: FIRST CENTENNIAL MORTGAGE CORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have always had excellent credit and have never missed a mortgage payment. We own several rental properties and have mortgages on many of them. Our credit scores are above 800. 

We took out a new mortgage in XX/XX/2019with First Centennial Mortgage. Our first payment due date was XX/XX/2019. I wrote a check for the XXXX mortgage payment and mailed it to an address in XXXX, IL. The check was received and cashed on XX/XX/2019. 

After the XXXX payment, we were notified the loan was being transferred to First Centennial Mortgage ( by XXXX XXXX ), located in XXXX XXXX, Il. It was after this transfer where everything has gotten messed up, and has not been resolved. 

After I made the XXXX mortgage payment on XX/XX/19, I noticed a late charge of {$46.00} had been added to our account,  and I wanted it removed since I knew that I had not made any mortgage payments late. I called the customer service number at First Centennial/XXXX, and they said that the late fee was transferred from the previous servicer because the XXXX payment was late. I sent them a copy of the canceled check proving that I made the XXXX mortgage payment on time and that should not warrant a late fee. After some time went by, and no resolution, I called the customer service number again, and asked for the late fee to be waived. They told me again that it was transferred to them from the previous servicer, but they saw the check that I had provided and they would waive the fee and it would be removed. 

In looking at the transaction history of our account on their website, on XX/XX/19, it appears that they reversed the XXXX and XXXX mortgage payments in their system in order to waive the late fee. Then, they re-applied the XXXX and XXXX mortgage payments to my account on XX/XX/19. Whatever they did in their system now has my account flagged as a delinquent account that is late on the mortgage payment. I'm receiving notices in the mail indicating the account is past due and they are looking to provide solutions for us to avoid foreclosure or bankruptcy. 

We have done nothing other than make each mortgage payment when it was due, and I wanted to have a late fee removed that should not have been applied. Now, I'm being treated like a deadbeat   who can't afford the mortgage payment and needs to find a solution to avoid a foreclosure on the property. 

I would think that an experienced mortgage servicer has a better system in place to receive new loans, and how to properly get them set up in their system. My experience with First Centennial/XXXX has been nothing short of a complete disaster. I need for them to get their system updated to reflect the account as current. Then, I will set up automatic payments every month so the mortgage payment is made, and I will never have to contact their customer service department again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-17
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, my mother informed me that she received a letter in the mail with my ( partial ) name on it. After I asked her to open it to see what it was, she said it was a check from Chime for some sort of refund. After calling Chime and navigating their automated phone system, I came to the conclusion that someone opened an account with Chime using my partial name ( only half of my hyphenated last name ), my an old address ( my mom 's address ), and my social security number. I contacted Chime over email to try to get to a real person, which I could not do over the phone. They insisted I provide them with government-issued ID and last four of SSN, over insecure/unencrypted email. They would not allow me to get to a real person and kept giving me the main phone number which does not let me get to a person. Additionally, my IDs have my correct personal information, which I do not trust them with nor does it match the fraudulent account with partial and old information. Chime failed to check the SSN used by the fraudulent account owner to make sure it matched my full name and current address. Their failure to prevent the most obvious of fraud puts my personal information and financial well-being at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Starting XX/XX/XXXX, my husband and I started receiving letters about our new Chase checking and savings accounts. Neither of us have opened any. The letters are very good and some almost look real. There was a debit card sent to me, but I do not know if it is real or not. 

Also funds were supposedly wired into the account, but then they never made it in. 

I can not find a good number to contact Chase to report fraud, or I would have already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: IL
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:
I am filing this complaint due to lack of response from the credit bureaus, per the Fair Credit Reporting Act, if the bureaus do not respond in 30 days the accounts must be deleted. During these times of pandemic, taking the appropriate action is important and consumer like me should not its now been over 90 days and I have waited long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've had my student loan transferred from Wells Fargo to XXXX XXXX XXXX. It was setup on autopay at WFC and I saw the account disappear awhile ago on WFC website. I've been receiving a ridiculous amount of email and paper mail from Wells Fargo explaining that they're transferring student loans and to wait for XXXX to pick up payments. I've not received a text, email or letter from XXXX and it is not 2 days after my student loan typically auto deducts. I'm currently trying to call them, but A LITTLE COMMUNICATION WITHIN WEEKS should be expected. Wells Fargo has confirmed that intentionally delaying the transfer/setting up auto payment would be financially beneficial for 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 explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: NY
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:
I write this in reference to the Fair Credit Reporting Act ( FCRA ) and believe my federally protected consumer rights ; specifically my right to privacy and confidentiality under 15 USC 1681, have been breached. The accounts involved in this violation are as follows : XXXX - Account number : XXXX XXXX  XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Section 602 ( A ) of 15 U.S.C 1681 safeguards my right to privacy. Additionally, Section 604 ( A ) ( 2 ) of the same code outlines that a consumer reporting agency may not provide account details without the written consent of the concerned consumer. 

Section 1681c ( a ) ( 5 ) of 15 U.S.C mandates that a consumer reporting agency can not include any adverse information other than criminal conviction records that predate the report by over seven years. 

As per 15 U.S.C 16 1681s-2 ( A ) ( 1 ), it is illegal for anyone to furnish consumer-related information to any consumer reporting agency if they are aware, or have justifiable reason to believe, that such information is inaccurate. 

These inaccuracies are currently obstructing my ability to purchase a home for my family and are negatively impacting my financial prospects. I hereby request the immediate deletion of these inaccuracies from my credit report. 

I anticipate your swift attention to rectify these inaccuracies, as this matter is crucial to my financial future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I am writing regarding Chase Bank savings account number XXXX and two transactions on my account that were wrongfully reversed in the amount of {$35000.00} and {$16000.00}. 

I am a business owner and a customer deposited {$35000.00} into my chase account on XX/XX/2020 with deposit ID XXXX. Please see attached deposit slip and screenshot of my bank account. I called Chase bank to confirm the transaction was good and that a reversal was not possible before releasing the merchandise to the customer. I was told by Chase that it is impossible for it to be reversed. Furthermore, I went into a chase branch to have them double check everything was good and the associate assured me everything was in order order. 

The customer picked up the merchandise in store which was a XXXX XXXX XXXX, a diamond Cuban chain and bracelet totaling {$35000.00}. 

On XX/XX/2020, I noticed a withdrawal of {$35000.00}. I contacted Chase, I was told there was a fraud and my account was blocked. The bank manager at the physical location was shocked that this would happen but could not offer any further help. I was told to contact customer support. 

Furthermore, I had an additional {$16000.00} balance in my Chase account and when the account was blocked by chase they took that {$16000.00} as well. Totaling a {$51000.00} loss on my end. 

Since XX/XX/2020, I have been in constant contact with Chase and no one is able to help me. I have spent hours on the phone getting bounced from department to department or hung up on. Additionally, I hired attorney, XXXX XXXX XXXX, XXXX, and he also has not been able to get a response from Chase as well. 

What I have gathered from speaking with chase is the customer that committed the fraud had made a deposit with account ending in XXXX from XXXX XXXX to my Chase account. 

This is a very big financial burden, I have many bills to pay and being a small business owner, I can not afford such a loss. Chase should have never cleared the bank deposit if it was fraud and furthermore taken the additional {$16000.00}. 

Please contact me at your earliest convenience to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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 recently downloaded my credit report on XX/XX/2023 to check my credit report and recognize that I had inaccurate information of hard inquires on my credit report which are unauthorize and I sent out the letters to the credit bureaus and they have failed to their part of removing that inaccurate information on my credit report can you please check it out.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting 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.

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 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 2023-07-28
Company: EQUIFAX, INC.
State: TX
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, 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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have requested TransUnion and informed them that there are hard inquiries on my credit report that I did not request or give these companies permission to access my personal information. I have requested TransUnion to provide proof that I requested this and since I did not they need to remove this hard inquiry from my credit report. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate 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 2023-09-24
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit 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:
My account was hacked and hackers made a transfer of {$500.00}. I learned about this issue within 30 minutes. I immediately called American Express to inform about fraudulent charges. American express representative helped me create a new login/password. They also mailed me a new American express credit card. American express representative also created a fraud case ( XXXX ) and informed me that I will receive temporary credit. This fraud case has been open for 5 months. I called American express multiple times to check on status, however I was told that the fraud department has not even started to process my case. I am still getting charged for that fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-31
Company: GOLDMAN SACHS BANK USA
State: NJ
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 applied for the Apple Card from Goldman Sachs Bank and my application was denied. I couldn't get a clear answer from the company as to why. In the denial email they sent me there was just a general statement that my monthly debt obligations are too high, and then it listed that it used my XXXX credit report, where my credit score is XXXX out of XXXX. I do not have high debts. I have no student loans, no auto loans, I'm not behind on any payments, and I have no negative marks. XXXX confirmed that I have a great credit report and all of my accounts are in good standing. I couldn't get anyone at Goldman Sachs to clarify what it is about my credit report that would cause them to deny my application when my credit score is so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XX/XX/XXXX, I opened a checking account with Capital One in response to a promotion whereby if I had two direct deposits of {$250.00} or more within the first 75 days from opening the account, I would be credited with a bonus of {$150.00} no later than XX/XX/XXXX. I did not get the bonus and called. I was told this was because I had previously had a checking account with Capital One as of XX/XX/XXXX, and was therefore disqualified. I had no recollection of ever having such an account and checked my records. As I recall in XX/XX/XXXX I was looking for a new checking account to deposit checks by mail since my local banks were closed to walk in customers. I was only interested in checking accounts that provided postage paid pre-addressed envelopes since I do not like paying postage for deposits by mail. I reviewed a number of offers and called Capital One and asked specifically if Capital One provided postage prepaid self-addressed envelopes for deposits by mail. I was told that they did and opened an account. Shortly thereafter I was still reviewing new checking accounts online and saw that Capital One did not offer those postage prepaid envelopes. I therefore called Capital One and they confirmed they did not offer such envelopes. I told them to close the account since I had been misled. I never made deposits to the Capital One checking account, nor ordered checks, nor did any transactions. I hardly think this qualifies as having a Capital One account especially since the opening was procured by fraud. That is, I would never have opened the account had I known they did not offer postage prepaid envelopes. Regarding the bonus offer for {$150.00}, I came to Capital One in good faith and fulfilled the requirements and should be rewarded with the {$150.00}. I have been a satisfied customer until they reneged on the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have previously disputed the accuracy of payment to XXXX XXXXXXXX as reporting this account as late for 120 days. I was never late on this account and it is damaging to my credit profile. This account need to be updated to a positive payment history immediately. This account was updated with XXXX and XXXX but Equifax isn't being helpful at all and continues to report negative and unverified payment history that are very damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/21 my Coinbase account was hacked. About {$1100.00} bitcoin was stolen and another {$2000.00} was taken from my attached bank account ( XXXX XXXX ). 
My cell phone number was hacked ( I used Coinbase 2 step authentication ) so the hackers could get access to my Coinbase wallet. 
I was able to get the {$2000.00} back from XXXX XXXX, but I lost the Coinbase money and my cell phone plan was paid up for a year, and I lost that. 
I tried to contact Coinbase by phone but couldn't reach anyone, so I went to their online support center and was told that my computer was probably hacked or I was " fished '' by a phony email ( I know this was not the case ) Coinbase was the only company that had my cell number, I believe this attack was probably an inside job, but I'm not an internet expert. 
Coinbase then wanted me to the re-sign up with my social security number and drivers license images to regain access to my empty account. I won't do this because I don't trust them. 
I've resigned myself to the fact that Coinbase lost my money, and I just want to warn anyone else not to trust them. 

XXXX XXXX XXXX, Colorado

Company response to consumer: Closed with explanation