BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began a process to refinance my home with Wells Fargo in early XXXX. My initial contact was with XXXX XXXX XXXX. The first question I asked was, " If my home is on delivered water, will this be a problem? '' She double checked with someone and assured me it was not a problem. Later, XXXX XXXX, the appraiser, assured me this was not a problem. I continued with my application process for two months uploading documents. Later, I dealt with XXXX XXXX. 
The appraisal visit at my home occurred and was submitted in XXXX by the licensed appraiser assigned to me. She had comparable sales and established a value for my home. I continued to submit documentation as requested. 
I submitted my last documentation on XX/XX/XXXX. I inquired with XXXX for an update on XX/XX/XXXX. He said my application was with the underwriter. At no time did anyone say there was a problem with the appraisal. I emailed XXXX again XX/XX/XXXX and heard nothing. I emailed again XX/XX/XXXX and got " out of office ''. I emailed XXXX and heard nothing. I logged in to view my application and it had disappeared. I called XXXX, she informed me that my application could not move forward because there were not comparable property values for my property and a value could not be established. I have in my possession an appraisal done by licensed appraiser XXXX XXXX with 3 comparable properties and a value for my home. I would like to know how the determination was made by Wells Fargo to reject the appraisal of my property by a licensed appraiser chosen by Wells Fargo. What are the qualifications of the individual rejecting the appraisal? How can they make that determination without visiting my home or looking at the comparable properties? Why do I need to pay for an appraisal if someone else is going to make an arbitrary decision and override the appraisal? Finally, once this decision was made, I was not informed and my application and all its documentation just disappeared. I received no phone call or email explanation until I reached out. This level of customer service is very poor. 
I have attached a copy of the appraisal report that Wells Fargo has rejected. 
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 2023-10-13
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unfairly after a month of a dispute asked to pick back the temporary credit in full during a time of hardship over a false transaction I didn't even authorize. The person who put in the dispute was disrespectful and filled out the dispute without me even answering most of the dispute questions. I asked for a rebuttal and a reach out and instead they close the rebuttal and hour not even giving any time to look over any documents or verify anything. If it was that easy to get information from the merchant to resolve this I wouldn't be going through them to dispute so one or both them are lying and being uncooperative. Everyone that I talk to has been rude incompetent, emotionally disconnected going off of a script. I have been lied to hung up on and given false promises over and over again with lack of anyone else taking responsibility on their end. Business just want to get over and I feel that I am being taken advantage because I don't have reputation and I rather not make this a legal issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Chase saving and checking, and I use them mainly online. Today I was required to read and sign to accept accept a 10 page document and a 124 page document before I could go on line. 

In essence they forced me to accept the documents before I could even sign in. I enjoy Chase and the services have been very good. But I can't read and absorb the document before I do my banking for an immediate need tonight.. 

I need to do some business with them tonight, but that is currently impossible due to their demands to sign an agreement that I have not read nor have time to read. 

I think this is unfair and not an appropiate way to force a signature almost under a mild form of duress- sign or do not use the account right now ( or for the foreseeable future? )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: EQUIFAX, INC.
State: TX
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:
XXXX   I disputed some items on my credit report. I asked all   XXXX   credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all   XXXX    saying it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We have contacted collections multiple times in order to validate the account that is negatively impacting my credit score. Despite our efforts, we have not received any response from them, and as a result, I intend to lodge a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: ROBINHOOD MARKETS INC.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On, XX/XX/12 robinhood restricted my account citing " unusual activity '' even though it was me and only me who has been using the account. I've called and asked to speak to support and they said they would verify any information I give to them via email ( submitting photos through a client. Due to the account restriction I am unable to use the funds within the account. This is a huge inconvenience to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX this XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Mercedes Benz Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The lease from Mercedes Benz is showing as an active account. This lease ended back in 2018 and this account status should be updated to closed. I have had no luck in having the account updated by Mercedes and I need this to be correct as it is having an adverse effect on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear Sir, This complaint is against Nationstar Mortgage the servicing dept. I was told by Nationstar that I should participate in their HARP loan program, where my loan originally was a interest only loan that turned into a fully index loan with PITI. The payment through me out of Budget, so Nationstar stated the best option was the HARP Program. Enclosed is the email stating that I was approved, and I would be skipping a payment the date was XXXX/XXXX/15, on the week of my closing I get an email that I 'm was not approved. I thought that something was wrong because the communication checking to see what is going on had stop. I kept going to voice mail for XXXX days. The loan office on this deal plus the processor could not be reach, on XXXX/XXXX/15 I got the enclosed email telling me that I was not approved. I told them since this file is with Nationstar can you take it to the modification dept. personally since you quoted the wrong rate, a teaser, XXXX I told them that I had a problem paying the original loan payment and I reached out for help and they suggested this program. I am now going to be in foreclosure if this problem is not corrected. I need someone from their management to look into this. The loan number is XXXX, borrower is XXXX XXXX. This like a switch and bait after the client does everything in their power to give them what Nationstar ask for. The companies hide behind the automatic systems and voice mail system, it takes a strong consumer to fight through this so that it can be justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX SYNCHRONY BANK {$1900.00} I have disputed this account directly with the creditor on multiple occasions in regard to the ownership of this account. This account does not belong to me, and i have not received any evidence indicating my signature on any paperwork. I continue to receive push back from this company which is greatly affecting my report. Please help me remove this from my 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 2018-05-07
Company: HYUNDAI CAPITAL AMERICA
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: Credit inquiries on your report that you don't recognize

Complaint:
On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: GA
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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2018-05-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received a Voicemail last week that I had been sent a new debit card in late XX/XX/XXXX, and that I needed to activate it before tomorrow. I never received the debit card so I called in to get it resent, and found out for the first time that my original card 's information had been compromised, prompting the change in cards. 

WF 's Customer Service Representative proceeds to explain that they do not let customers know when their information has been compromised, opting instead to just replace the debit card. Essentially, it's on you to call them and see if your information has been compromised. As a result, my debit card information has been compromised as early as XX/XX/XXXX with no notification of that fact from Wells Fargo whatsoever. 

I recorded my call with the 2nd customer service rep at Wells Fargo. Realized early that there wasn't anything I could do, but wanted to get answers as to what WF 's  policy was moving forward. Call is linked here : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Aren't banks required to let you know if they've been made aware of a breach of your information? I just feel like that's absolutely crazy. I pay attention to my account, and all transactions, but I still feel like the bank should have to tell you when your card number is sitting on some bad actor 's hard drive somewhere.

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 2023-11-22
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
1. My phone number was wrongfully updated in the Discover system. A fraud number was stored in the system as my primary cell phone number. The number was stored in the system on XX/XX/XXXX until XX/XX/XXXX when I finally closed my account. 

2. I got to know about the fraudulent number when I spoke with the closure department, but upon requesting to repeat it they never shared it with me giving security reasons. Me being the customer and the user, the Discover Company refrained from sharing the wrong cell phone number with me. 

3. Upon speaking with the customer support agent today, an honest lady shared the wrongfully updated number with me, saying that the agents may have jumbled up with numbers and stored them. Upon speaking with her supervisor, the supervisor literally lied that the wrong number was never stored in the system. I had to record everything as proof. This is a serious security breach and Im not even sure if it was a jumbling of numbers. They are concealing essential information and Im seeking assistance here. Im a student and I have also paid all their bills off. They have also denied a fraud claim, and I had to pay a total of around {$540.00} from my own pocket for a legitimate fraud that took place. Instead of being responsible, they are just playing with their policies. I am sincerely seeking assistance in this matter. 

I am seeking compensation of XXXX XXXX for the security issue caused by them. Being on the vulnerable end, seeking your assistance in this matter. Please let me know if you need any recordings from my end. 

Yours sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Aeroplane card because the incentive said XXXX XXXX XXXX XXXX passes. After I was approved, the passes showed up in my account with several other benefits but now they have disappeared. I have spent several days calling customer service and being transferred from person to person. So far, I have talked to XXXX, XXXX, XXXX, XXXX and account supervisors XXXX XXXX XXXX as well as local bank staff XXXX. Each time the person puts me on hold and then I get disconnected or transferred to somebody new and have to explain the entire issue all over again. I have contacted their XXXX XXXX XXXX XXXX NOBODY has helped me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I emailed a representative ( XXXX XXXX ) at Rocket Mortgage about re applying for a mortgage loan. XXXX and I spoke that same day via phone arounXXXX XXXX XXXX PST and we agreed that in order to get my application re started I needed to send over my XXXX W2 form, Copy of my XXXX Tax return, recent paystub, and finally bank statement of where the down payment would be coming from. By XXXX XXXX same day I had sent over everything except my bank statement. On XX/XX/XXXX at XXXXXXXX XXXX  I received a call from a manager at Rocket Mortgage named XXXX. XXXX proceeded to tell me that the underwriter had denied my application and that Rocket Mortgage would not be reviewing any future applications either. I asked XXXX what the reasoning behind this harsh and extreme decision and all he could advise me was that it was due to inconsistencies in my application. I asked for specific details, but XXXX said he wasnt able to provide further information/details for me. I asked XXXX it was normal for Rocket Mortgage to essentially blacklist someone without any explanation? XXXX was not able to answer all he kept saying was this the Underwriter stated there were inconsistencies and it was their decision. 

It's not clear to me how in under 24 hours an underwriter was able to determine my application " inconsistent '' ( application was not yet finished I still had more documents to submit ) and flag it so that I may NEVER apply with them in the future. And without any explanation I can only assume its discrimination due to being an unmarried XXXX female. It is unheard of an underwriter providing an answer on a loan application that quickly and without all the needed documents/information so I can not fathom what the " inconsistencies '' in my application could be

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: JPMORGAN CHASE & CO.
State: SC
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:
Today, XXXX XX/XX/2023, I received multiple credit alerts that JP Morgan Chase made a " hard inquiry '' on my XXXX credit report. This is the second fraudulent " hard inquiry '' from JPMCB in less than a month. 

I called JP Morgan Chase Bank. JPMCB was unable to help me. 

I attempted to file a dispute with XXXX. I was told by the agent that I have to call the fraud department and that it will not be open until tomorrow. I will call them tomorrow and attempt to report the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX. 
# XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX Has violated my rights.

15.u.s.c. 1681 section 602 a. States I have the right to privacy.

15.u.s.c. 1681 section 604 a.section 2. 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