BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is still showing and reporting an account for XXXX XXXX on my credit which keeps showing up on a background check for my employer which had already caused me to be fired from my previous job along with 2 other accounts they were reporting but those other 2 collections accounts have since been removed however XXXX is still showing. I filed bankruptcy chapter XXXX in XXXX and this XXXX  account that is only still showing on transunion is still showing and coming back on my background checks. None of the other credit bureaus are showing this XXXX account but transunion! I have a screenshot showing this account being included in my background from XXXX  so how is transunion still showing it and possibly about to cause me to lose another job! The XXXX account was opened in XXXX my bankruptcy was in XXXX and they are showing I owe {$1000.00} in which I do not. In addition Hire right the background check company performing my background check for a current job offer and also performed the last background check for my previous job ( in which i was fired for inaccurate information reported from them ). They are telling me that transunion is reporting this XXXX  account to them Still and saying it was not in my bankruptcy when it clearly says it was on both of the other credit bureaus reports.

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 2023-06-23
Company: EQUIFAX, INC.
State: IN
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, two fraudulent wire transfers were taken out of my account. Someone with a fake ID posing as myself went into a Chase Bank branch in XXXX California on XXXX XXXX XXXX. The person sat down with a banker face-to-face and made two wire transfers of {$10000.00} each to two separate bank accounts ( XXXX XXXX & XXXX  XXXX XXXX ) . The branch manager also authorized the transaction. Chase now claims that even with their branch 's negligence that they are not responsible for the loss of money if the other banks do not return the funds to them. Both XXXX XXXX and XXXX  XXXX XXXX have failed to get in contact with the " owners '' of both accounts. Therefore at this time it seems very likely that I will not receive my {$20000.00} back even though it was Chase 's fault and their branch was liable for losing my money by not taking proper security precautions to protect my account. A police report was filed on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
On XX/XX/2020 I reported that credit acceptance reported delinquent payments knowing that the title holder XXXX XXXX XXXX XXXX XXXX XX/XX/2020 and the car was in the process of a total loss claim. I couldnt do anything because I didnt have title account information or anything. Credit acceptance agreed to remove the negative information on my credit report and as of today it remains. All money that was owed after insurance claim was paid to credit acceptance

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 2021-11-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/21, I had a cashiers check in the amount of {$220000.00} issued from funds in my Wells Fargo Bank account. I mailed the check to the payee via certified US mail. The post office lost the check and suggested I put a stop payment it. On XX/XX/21, I went to a Wells Fargo branch and put a stop payment on the check. When doing so, Wells Fargo informed me that I would have to pay a bond of 5 % of the value of the check if I wanted the funds returned to the account right away. Wells Fargo stated that absent payment of the bond, I would have to wait 90 days from issuance of the check to get the funds returned to my account, unless the check was eventually found, whereupon I could take the original check to a Wells Fargo branch and the funds would be returned to my account immediately. I did not pay the bond, hoping that the post office would soon find it and deliver it to the payee. Eventually, the post office found the check and the payee received it. The payee then wrote void across the check and mailed it to me, as, in the interim, I had paid the payee the funds she was due via wire transfer. Today, XX/XX/21, I presented the original cashiers check to Wells Fargo Bank and requested that the funds be redeposited to my account. Wells Fargo refused, stating that because the payee had written void across the check, the check was, for all intents and purposes, destroyed. Wells Fargo stated that the only options for redepositing these funds to my account are to wait the full 90 days from issuance or to have the payee complete an affidavit attesting that the check had never been in the payees possession and for me to pay the bond. Given that I presented the original cashiers check to Wells Fargo, I believe Wells Fargo is required to redeposit the funds to my account without further ado, and that it is unlawful for Wells Fargo to continue holding onto my funds any longer.

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 2021-02-23
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have written to Chase on XXXX XXXX XXXX XXXX occasions regarding a misapplied payment and the inaccurate reporting of a late payment. Chase has been provided with proof of payment. Despite being provided with proof of payment and being advised on numerous occasions regarding the misapplication of the payment and the reporting of the inaccurate late payment, Chase continues reporting an inaccurate late payment as well as an inaccurate account balance with XXXX XXXX XXXX XXXX XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use Chase Bill pay for most of my bills and have for years without incident. On XX/XX/22, I made a 400 $ payment for a vehicle using Chase billpay as I always have. For some reason, this time the lender did not receive the funds. I contacted the lender first and showed proof of payment through Chase. The lender did a research request and contacted me 3 days later stating they found the problem. Chase has a 3rd party vendor for Bill pay called XXXX XXXX and my transaction was found on an XXXX list for missing bill payments. She stated Chase would need to retrieve my money through this vendor. So, I contacted Chase. I was transferred many times but was finally about to submit a claim. Chase sent me a letter 3 days later stating there was no error and the matter was closed. So, I went in person to a Chase branch. I gave a banker all of my documents and explained what happened. She called Chase customer support and tried to find a resolution. She was unable to get any helpful response. In fact after she was transferred many times, no one could even tell her who the 3rd party vendor was that Chase uses. She did get them to agree to open another claim, and she faxed all of the documentation to the claims department stating my lender never got the funds from the bill pay transaction. 3 days later, I got another letter from Chase stating the matter was closed. No one from Chase has offered any resolution and everyone I have spoken to on the phone just has an attitude of oh well. So, I am missing 400 $ that Chase refuses to retrieve when the lender I contacted first found the missing payment easily and said it just needed to be researched through this 3rd party vendor by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OnXX/XX/XXXX we submitted a package to process a short sale with Caliber Home Loans via XXXX and the interior valuation was completed the same week. the value came back at {$280000.00} and the servicer ( Caliber ) provided me a copy of it on XX/XX/XXXX.On XX/XX/XXXX we submitted an engineer report along with an explanation letter to have them review the value of the property. they basically used fully renovated properties as comparables for a property that will need a lot of work due to the major issues that require major repairs.we marketed the property on websites such as XXXX, XXXX, XXXX, etc and we were not able to get an offer on the property on the range requested by the investor.After meeting all the investor requirements i received the following message from XXXX XXXX XXXX on XX/XX/XXXX : I would like to take this opportunity to tell you about a change in policy and how this change affects this property. 
As you are aware, all short sales are subject to lender approval. 
This account is no longer eligible for a short sale and we will not approve a loss. 
A full payoff will be required. 
We appreciate how hard you have worked to help our mutual client avoid foreclosure, and do n't want you to spend any more time on a short sale that is not available. 
If a full payoff is not an option, we encourage you to assist the homeowner to agree to a Deed in Lieu, rather than a short sale. 
There is currently {$14000.00} incentive available for the homeowner for a completed Deed in Lieu. Attached is a Deed in Lieu application for the homeowner to complete and return to my attention at calibercares@caliberhomeloans.com or contact us at XXXX to discuss. 
If the homeowner wishes to pursue retentive options to remain in the property, they may contact our SPOC department at XXXX for other alternatives. 
Basically, without any warnings or notifications, the investor decided to denied the short sale option to the home owner unilaterally and we basically wasted more than 2 months complying with everything they asked for. Also, I am checking reviews from other agents and i see that this has become a common practice from this servicer. I truly believe these abusive practices have to be regulated by the federal government to stop this investor from doing more harm to the people that are currently in a hardship situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/XXXX. I opened both a savings and a checking acct with wells fargo and deposited over 130,000.00 initially to open my account. Over the next several months i took numerous flights back home to visit my mother in Texas who became ill. I was so busy i didnt have a chance to verify my banking transactions. When everything settled down i finally got a chance and noticed errors on my statement. A hand full of unauthorized charges adding up to over {$1600.00}. I repirted them to Wells Fargo and was issued providional credit instantly. Not even 10 days the credit was reversed. I asked for documentation as to why the credit was reversed but never did i receive anything. One employee told me over the phone that thete was nothing to send. So wells fargo based their decision on speculation. After several complaints they closed both my accounts. Thats the service I got after putting {$130000.00} in their bank not even 6 months earlier. I didnt know how to oursue this until I read about this website on line. And it so happens that i received a recent email from Wells Fargo asking me to submitt any complaints by XX/XX/XXXX and they would be happy to resolve the matter.

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 2017-10-26
Company: Credit Union Mortgage Association, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company is denying many of my request with no reasoning. 
I file bankruptcy in XXXX and the bankruptcy closed in XXXX. I never included my primary residence and have the paperwork showing this. I am currently requesting the transcripts for that hearing. 
The Lender stated I reaffirmed the loan but on request, they would not send me the letter reaffirming the loan. I am several emails for my requests. 
I defaulted on loan XXXX, XXXX to now. None of the request I made was granted. They offered me a loan modification but I explained to the Lender I was experiencing a hardship with an IRS debt and my Grandfather 's financial issues. They never considered the loan modification again. 
The Lender Representative advised me that I needed to surrender the home and she asked if they could place a lock on the house. I responded no and that was only leaving my home temporarily to take care of my Grandfather. 
I never heard from the Lender again. 
In the beginning of XXXX, XXXX I received a letter stating Notice to the any party in the residence the house was being sold. 
I never received the Notice of Intent to Foreclose. I notified the Lender. The Lender had their Attorney email me the Notice of Intent to Foreclose and the Preliminary Loss Mitigation Paperwork ( dated ) XXXX XXXX, XXXX. A week later a guy shows up to the house and serve me the same papers. 
I completed the modification request. On XXXX XXXX, XXXX the Attorney sent me an email stating I was denied for the Forbearance and Modification at that time. 
I never received an official dated letter of denial from the Lender. 
When I asked why? She indicated the reasoning on the Hardship Letter was not sufficient with ie., my roommates income to me. But that was not the Hardship. I have requested a copy of the Letter of Denial. 
I have sent in two 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 2022-04-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Me and my wife have been going through a divorce process. I found out that she added me to a credit card as a joint user and she claimed on the divorce papers that I have been served to divide half of the debts which is not fair because I never authorized her to add me to credit cards or credit records including federal assistance. I would like to solve this with American Express. I have even called AMEX to report that issue and that is still showing on my credit report/score. I would like all this removed including debts and credit report for the AMEX. I also don't have any knowledge if she is still using the card that's under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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:
PLEASE SEE ATTACHED DOCUMENTS FROM CREDIT REPORT SHOWING INACCURATE ACCOUNTS. PLEASE REMOVE DUE TO VIOLATION OF THE FCRA

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 2022-04-01
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:
PLEASE SEE ATTACHED DOCUMENTS FROM CREDIT REPORT SHOWING INACCURATE ACCOUNTS. PLEASE REMOVE DUE TO VIOLATION OF THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: JPMORGAN CHASE & CO.
State: CO
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:
Chase continues to report delinquencies for Chase account XXXX through XX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXXtax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee of {$29.00} even though I made the minimum payment due. The statement printed on XXXX with a minimum payment of {$29.00}. I made a payment of {$25.00} on XXXX and another {$25.00} on XX/XX/18 for a total of {$50.00}. The customer service agent told me that payments made on the statement date will not count towards the minimum payment due. I dont see how that is a fair practice for me as the consumer when the payment made XXXX was not reflected in the statement printed on 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 2017-10-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX,2017 I went to XXXX XXXX XXXX to pay my monthly bill of {$170.00}. Once inside, the man had trouble processing my debit card. On the 3rd try, it finally went thru. I then went to XXXX to buy groceries for supper and my card was declined. Needless to say i was ticked because i knew i had available funds in my account. Then it occurred to me that the monthly fee at the storage facility might have hit my account 3 times.I went home, got online and printed a transaction report which indeed did show that Wells Fargo hit my account 3 times for the {$170.00}, an overcharge of {$340.00}, and a negative balance of {$110.00}. I went back to XXXX XXXX XXXX and explained what had happened. He checked their computer records and it showed that they had only received the one payment. We then got on the phone calling the customer service telephone number on the back of my debit card. After waiting some length of time and repeating my information 3 times, I finally was able to speak to someone in the claims dept. He checked my account and also saw the 2 additional charges of {$170.00} each. He said that he would have it credited to my account in about an hour. Thank you, this happened.
Yesterday I received an email from Wells Fargo that my account had reached a XXXX balance or less. I checked my online statement and they had reversed the credit of {$340.00}, giving me a negative balance of {$290.00}. My online statement only showed the one charge of {$170.00} and a credit of {$340.00}, thus, they reversed the credit. The guy in the claims dept. saw the overcharges in XX/XX/XXXX. If he did n't, why would he give me the credit in the first place.
I called the Wells Fargo customer service line and received the same answer over and over that only one charge of {$170.00} and the credit were shown. That 's not what happened.I was speaking to an argumentative and deaf ear! I then went to the XXXX XXXX XXXX branch of Wells Fargo and spoke with a banker who gave me the same answer. It did n't matter that I showed her the transaction report that she never looked at lying on her desk. Another deaf ear. I guess she was n't too concerned since it was n't her money.I am on Social Security and this {$340.00} is 1/3 of my monthly income. I guess " Customer Service '' is truly dead. Computers are only as good as the people who use them and the software they are using. Mistakes happen and this is one of them! It may not have posted on your end, but it sure posted and deducted on my end! I have never had to deal with an issue like this in the many years I have been with Wells Fargo/Wachovia and treated with such indifference. Maybe time for a change!

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