BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-27
Company: BBVA FINANCIAL CORPORATION
State: AL
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:
BBVA Compass is refusing to do an investigation for an ongoing dispute lasting several months. I have two unauthorized debits that I have brought to their attention that they are inwilling to investigate. I have been calling their customer service, fraud departments and have sent mail to their headquarters. Now they are claiming that I waited too late so I can not ask for a refund. If they actually investigated when I brought it to their attention ... .it would have easily been within the timeframe. So I filed an ID theft affadavit and a police report so they could not deny seeing it. In case it seems hard to believe, this exact same thing has happened before. I had to file a police report and a cfpb complaint another time because BBVA went SIX YEARS without investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the refinance process on my home loan with Chase mortgage on XX/XX/XXXX. Honestly this should have been a very straightforward refinance loan since we have very good credit scores and stable income. We provided every document requested in a timely manner and almost 4 months later as of XX/XX/XXXX the application was still being ignored and stalled. The Chase mortgage team was absolutely awful to work with and there was a severe lack of communication from their end with no replies to emails or phone calls for weeks. The team would constantly continue to ask for the same documents that were already sent over and over again. 110 days later I decided to withdraw my application due to the terrible customer service and absolute neglect. An important note is that an appraisal was not needed and no title work was done. 

I am filing a complaint with the CFPB because Chase has denied my request to refund the deposit that was made for the application to be processed. Under the Federal Truth in Lending Act I have the right to withdraw my application and have any money given to the bank for the loan returned to me within 20 days ( excerpt from law below ). 

1635. Right of rescission as to certain transactions ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

I have spoken with Chase multiple times and once again will not return my phone calls or work with me to resolve this issue whatsoever. Withholding funds from the consumer and denying a refund for no reason at all needs to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BARCLAYS BANK DELAWARE
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:
My identification was stolen and someone used it without my permission. The bank sent the updated XXXX to an unfamiliar person with a different address and phone number. At first, I was unaware that my credit card had been stolen and only realized it when I noticed a drop in my credit score and called the bank. However, the bank 's phone line would disconnect automatically all the time, and everyone kept transferring me to different departments. I spent four hours being transferred from customer service to the security department to the fraud department and so on. Finally, the bank gave me an investigation number and said someone would call me back, but no one did. 
Months later, the bank 's collection department called me for payment. I explained the situation to them, but they referred me back to the customer service department, who said my account had been closed and they could not help me. A month later, the collection department called again, asking why I had not made a payment. I had to repeat what had happened, and they said they would send me a statement and asked me to highlight which transactions were not mine and mail it back to them. They said I would receive the statement in XXXX business days, but I waited for XXXX days and did not receive it. The following month, the bank called me again for payment, and I had to explain the situation again. 

Having my credit card stolen was already frustrating, and the fact that the bank was not helpful made it worse. I thought my account activities were recorded in their system, and the previous conversations with the bank were also recorded, but every time their phone line disconnected or they transferred me to different departments, it made me feel that they were not professional. 

Another couple months later, I received a letter from the investigation team regarding they have completed their investigation and have determined the activity is valid. But I received the phone call from collection agency regarding my balance, they said they received the letter from you guys on XX/XX/2023, and my balance is {$2000.00}, which means Barclays did not credit back my credit to my account. I called the bank, but investigation team has no record about this letter in their system, and it is so unprofessional. 

From XXXX to XXXX, I had already wasted so many months being investigated by this bank, and I got so many phone calls from the collection agency.

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 2021-05-28
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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 information incorrect

Complaint:
Equifax is furnishing income on my credit report. There are two accounts XXXX XXXX and XXXX XXXX listed on my credit report as charge offs. According to the IRS, charge offs are income and should therefore not be listed on my credit report. I have sent a certified letter to Equifax instructing them to remove said information within 10 days and they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The amount of interest charged all of these years has doubled what I owe and what I took out with continued accumulation.The interest bearing charges have not been transparent or fair. It is making obtaining a higher education for our future generations impossible. 

The system and allowable interest needs to be affordable to help students be successful when they get out. 

No assistance is given for graduate student loans on top of that high bearing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XXXX of 2021, I applied for a Mortgage re-fi with Quicken-Rocket Mortgage. Once the appraisal was reported I noticed several inconcistencies in the report. Including, comparables used that were not of the same or similar quality as my home, the report was incomplete in certain sections, the appraiser was a trainee.

I reached out to Quicken-Rocket Mortgage based on the instructions of my loan officer to discuss with their Appraisal Relations Dept, who were supposed to be the first line to appeal an appraisal. Without being given the opportunity to appeal the value I was told the report had been reviewed and that Quicken-Rocket Mortgage would let the low value stand. I was transferred to various people no less than 10 times with the offering that it would be taken care of only to again be told the appraisal would stand.

Quicken-Rocket Mortgage failed to explain to me how my site value is determined to be $ XXXX in value when the XXXX County Appraisal District shows my property to be taxed at over $ 38k and that is with my homestead exemption? Its also noted when the appraisal which came in at $ XXXX ( less than 6 months ago ) Quicken didnt seem to have a problem with me moving forward. 

There are no properties anywhere in XXXX with XXXX sf of even undeveloped land selling for $ XXXX, that is just ridiculous even to imagine. As a real estate broker, who actually does this for a living who is also not a trainee, I would like an answer to this question. How did my site value drop that far below an already discounted XXXX County Appraisal District assessment?

Quicken accepted an appraisal report that is incomplete to be acceptable. The entire Data Cost Approach section is left blank.

Quicken-Rocket Mortgage denied me the opportunity to appeal the value given in the appraisal by submitting new comparables or by challenging errors in the report.

Quicken-Rocket Mortgage told me they had not had any communications with the appraiser, however, I was told my the appraiser after I canceled my loan application with Quicken-Rocket Mortgage that he had in fact been contacted by Quicken-Rocket Mortgage and instructed not to communicate with me.

By not allowing me to appeal my value and not giving the appraiser the opportunity to correct errors in the appraisal, Quicken-Rocket Mortgage is causing yet another home belonging to a person of XXXX in an underserved neighborhood, to be reduced in value.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
the checking account has fraudulent activity that an altered check was cashed and fund withdrawn fraudulently. The case has been opened with the bank and police. The bank still has not returned the fund after one month and still not ETA. the amount is around XXXX dollars which can cause issue with paying monthly expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: SUNRISE CREDIT SERVICES, INC
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: Information belongs to someone else

Complaint:
I never opened this account. You need to remove this from my credit report : it is effecting my credit in a negative way.. What proof do u have that I opened this account? When and how was this account opened?? 


I need all the documents you have regarding this account, because I never opened it. Send me the original contract used to open this account, where was it opened? 


Remove this account from my credit reports XXXX XXXX and XXXX Send me proof that you tried to contact me about this debt before it went to collections

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: MI
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 : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX, has violated my rights. 

Account Name : XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: Experian Information Solutions 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 have incorrect information in terms of my employer who I never worked for on my XXXX, XXXX  and Experian. I want this false information removed from my Credit Report and exchanged with my current employer XXXX XXXX XXXX XXXX in XXXX located at XXXX XXXX XXXX. XXXX  XXXX, XXXX TX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion is reporting a bankruptcy on my credit report an they have put in the data furnisher as being the us bankruptcy court of Georgia, which is false I have attach a letter from the us bankruptcy court of Georgia verifying and stating that they do not furnisher information over to the credit bureau or any credit monitoring service nor do they verify or validate any information concerning bankruptcy. Transunion is falsely stating this information and refusing to remove this false information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I got a call from the Wells Fargo customer service number while I was busy at work claiming my credit card was being used for fraudulent activity in Georgia. Im in California. I asked why it wasnt posted on my credit card yet and he said it was because they already took care of it for me and blocked the transactions and that it just hadnt updated yet. I just needed to reset my password with them and get a new card sent to me. I had done this before with my bank from previous fraud but forgot what the exact process was to do this. I asked if they could confirm they were Wells Fargo and they said to match the number with the one on my Debit card, it was exact. This was enough confirmation for me because I had never heard of my banks number and ID being able to be faked or that they arent supposed to call you. I did not verbally give them my password, they explicitly said not to state it on the recorded line. I entered it through a XXXX digit number that looked like XXXX XXXX automated system text line because it prompted me to update it there. They then stole my username and password, they got into my online banking and did a cash advance on my credit card, maxing it out, for {$2800.00} then wire transferred {$3100.00} out of my bank account to a brand new recipient named XXXX XXXX. I do not know this person, for all I know they used a fake name. I tried to block the wire transfer but it went through the next day anyway. He said they were working on getting it resolved and a new debit card would be sent. At the time they were so convincing I thought they were a real Wells Fargo representative. I called Wells Fargo back on XX/XX/XXXX and asked what was up with the fraud on my account because I saw no updates on the wire fraud. They said they started a reversal on my wire transfer and put in a claim for fraud but didnt confirm if the person who first called me was actually from Wells Fargo XXXX I then assumed they spoofed their number because nothing the first guy said added up with the second call I made to them as they said nothing was done for my account yet. They said the money went to another Wells Fargo account so I have asked them to investigate this account for fraudulent activity or if they could get the IP address of the person that logged into my online account, but I have not had any success with them clarifying theyre helping me with any of this or have gotten them to give me any information on this individual. I closed my account for the weekend and changed all my login information again. I called my XXXX XXXX, XXXX, as well to see if I could get their real phone number and the technician on the phone was surprised to see that on the network it was still showing the fraud call as the Wells Fargo line.

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 2023-10-04
Company: EQUIFAX, INC.
State: PA
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 XXXX  if XXXX account number XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo approved mortgage to an investment property that I was never qualified for. Mortgage application was approved with no credit check and no income checked. As a new investor at that time, I did not know much about how mortgage process works. It is clear that I become a victim of an organized crime, committed by the financial institutions, like Wells Fargo. As a result I lost all my life savings that I worked so hard. My investment property was dragged into foreclosure. Please see attached mortgage 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