BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: Winklevoss Exchange LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have crypto currency assets that are in a XXXX  account. The only problem is that XXXX refused to verify me after I sent them my passport and went through their rigorous verification processes. 

XXXX required I make a wire transfer to my account to fully verify it so I could use their service and claim my assets, however, every single attempt to make a wire transfer failed : their bank XXXX XXXX deflected the wire transfers each and every time and I was not able to verify the account. Their staff were incredibly unresolving and also refused to help me any further. 

As a result of multiple attempts to make the wire transfer, I was responsible for paying fees to XXXX XXXXXXXX XXXX to use their wire transfer service. The total for the fees was somewhere around {$9.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Any reasonable bank customer would like to know how much is the balance and whether the transactions that he has initiated will be done or not? And may be how much amount of money will be there in the account after some transactions.In this Wells Fargo business checking account I am always guessing or wondering how much is the balance and whether the transactions will go thru or not?Just last Monday(XX/XX/2019)-I called Wells Fargo for the same issue. In fact talked to the supervisor. Today once again I called Wells Fargo for the same issue at XXXX XXXX and then talked to the supervisor(XXXX) that I am seeing that there is a pending credit of $XXXX from my XXXX XXXX(ending in XXXX) to this wells fargo checking account for the date XX/XX/2019. When i am getting that money into this account? She stated that she is not seeing that transaction. Worse she didn't even cared whether such transaction is happening or not? This transaction was initiated from this very Wells Fargo business account so they cannot be so ignorant.I offered her(XXXX) the screen shot but she is not willing to look into.This XXXX person is working in XXXX CA. XXXX is proposing to go to the wells Fargo branch. In the past, when i was in branch for this kind of clarification - branch told me to reach out to Customer service. They are just passing the buck to each other.It seems that Wells Fargo is too big and too much mismanaged. Right hand doesn't know what left hand is doing? Online banking, Phone banking, Bank branch - they are all out of alignment or out of sync with each other.How come a customer can trust a bank account if that doesn't even tell the correct transactions. I have an important IRS transaction and i have no idea whether that will happen or not?In the past, due to these kind of issues - i end up with overdraft fees. Thankfully Wells Fargo refunded it.

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 2023-01-04
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Sent alleged debt to a local debt collector and was never notified of debt. Called after the left they left fake court papers at my brother 's house with little to no information. Called and spent days to try and get the information on the debt to find out it was an account that had charges that were not mine on it and disputed with original creditor as fraudulent charges and I thought was taken care of to find out this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid 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:
While checking my credit card statement on Chase 's website I saw an offer off to the side from chase stating that you can earn {$75.00} back when you make two transactions of at least {$37.00} with XXXX wireless using my credit card. 

I went to XXXX XXXX website via the website link on the offer " XXXX '' and made two qualifying purchases. 1 transaction for a XXXXXXXX XXXX XXXX  for {$39.00} before tax. 2nd transaction for an XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX XXXX {$38.00} before tax. 

The terms also stated that " It is possible that a merchant may split your purchase into multiple transactions. In this case you may only receive your statement credit on the first transaction amount. If this occurs, please call the number on the back of your card '' Sure enough XXXX split the 2nd transaction into two shipments. One shipment for the headphone adapter cable and at a later date another shipment for the air tag. Charging the credit card as items from the order shipped. 

I figured no big deal the terms said if this happens to call the number on the card to get it straightened out. So when a letter in the mail came that stated : " Since there was only one purchase from XXXX XXXX XXXX in the amount of {$43.00} on XX/XX/2021 if did not qualify for the offer '' So I called on XX/XX/2021 @ XXXX and an agent said they understand and will submit a request to review and should get a response from chase. 

I get a response in the mail XX/XX/2021 that again chase has denied the promotion because the terms were not met. 

I call and speak to 3 different managers. 1st says unfortunately there is nothing she can do because once marketing makes a decision it is final. 2nd Manager hangs up the call after answering. 3rd manager : Decision final, even if they are wrong, she is very sorry though I'm XXXX out of luck. No way to complain, no escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: EQUIFAX, 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 WAS A VICTIM OF IDENTITY THEFT. WHEN I FOUND OUT ABOUT THE IDENTITY THEFT, SOMEONE HAD USED MY PERSONAL INFORMATION TO OBTAIN CREDIT AND UNSECURED LOANS. I HAVE FILED A POLICE REPORT AND FTC REPORT WHICH WAS SENT TO ORIGINAL CREDITOR ( XXXX XXXX ) AND ALL 3 MAJOR CREDIT REPORTING AGENCIES. XXXX AND XXXX HAVE BOTH REMOVED ALL ACCOUNTS WHICH WAS OPENED BY IDENTITY THEFT PERSON. I HAVE SUBMITTED 3 DIFFERENT DISPUTED WITH EQUIFAX WITH NO RESOLUTION. I AM IN PROCESS OF REFINANCING MY HOME WHICH I AM NOT ABLE TO QUALIFY DUE TO EQUIFAX IGNORING MY DISPUTES. THIS HAS PUT ME IN A VERY BAD POSITION AND HAS CAUSED ME MENTAL ANXIETY AND LOSS OF INCOME BECAUSE I AM NOT ABLE TO COMPLETE MY REFINANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I responded to email offer to refi my government-backed mortgage from Bank of the West as a current bank customer.Loan officer collected my personal info, tax papers, got my credit checked and offered me 2.5 % rate for 15 years mortgage.On XXXX he contacted me and confirmed the rate and told me that also I can get credit on my closing cost account because of current mortgage rate drop. He also told me that I have to pay upfront sum of {$490.00} appraisal fee. I told him that if you sure that I can get loan, just add this amount to closing cost. He said that customers sometimes disagree with their loan terms and thats why he wants to collect money now, even if its a government-backed loan. He made a pressure on me and asked to provide credit card information or loan application will be cancelled. 
I had my credit score over XXXX and salary over XXXX per year, and it was checked already. 
Yesterday I got informed that now he will be able to offer me only 30 years loan with 3.5 % interest rate. Of course, this offer was unacceptable. He refuses to pay my {$490.00} closing cost back. This charge was made under pressure and can be disputed. Here is another unethical example how mortgage broker trying to get advantage of customer during pandemic time. 
Information about loan officer : XXXX XXXX NMLS XXXX Phone number 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 explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-11-15
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
While dealing with my refinance with Rocket mortgage, my loan was closed on XX/XX/21 on the refinance which I was told the amount paid off this mortgage of {$180000.00}. and the automatic payment would be stopped. 

and on XXXX the balances show 's paid in full, and RM still automaticly took my XXXX payment on the same day. 

I called to explain this to several representives, and was told the money would not be refunded to me until the middle of the month. 

This is unacteptable, to have to wait this long to be refuned moneys that was taken in error, and that was not due to RM. 

I want to make a formal complaint because so many of the RM reps gave me different informtion and as of today I still have not been refunded the payment that was taken in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent two certified letters to TransUnion on XX/XX/2019 and XX/XX/2019. I am attaching the two letters along with the proof that the US post office delivered these letters. The accounts with XXXX XXXX, XXXX and XXXX XXXX are not mine. I have requested an investigation and the proof that these debts are mine and TransUnion has failed to provide the evidence of these debts and has failed to delete these accounts from my credit report. TransUnion has failed to conduct a reasonable investigation and failed to provide to me the evidence provided to TransUnion that these accounts are mine. According to the Fair Credit Reporting Act, if TransUnion can not provide proof of the debt to me, they must delete these accounts from my credit report. I have not received any evidence from any of these debt collectors that these accounts are mine. These debts are impeding me from purchasing a home.

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 2023-03-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 personal information. 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 believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: NCC Business Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried applying for a rental home in XX/XX/2017 and was denied due to finding that I was charged {$300.00} from my previous apartment complex. I called the XXXX XXXX leasing office and was told I was charged for carpet due to not being cleaned prior to leaving. The home and carpet was in good condition normal wear for XXXX year living condition. I was not aware that I should have it cleaned as most apartments improve the units with painting and carpet upgrades. Upon trying to get approval of the home I was directed to pay the debt and reapply. I paid the debt with the collection agency in which I did not have a contract with NCC Business and asked for it to be deleted upon payment and a receipt. I was denied for the home with payment due to the account negatively reporting. I recently applied for another apartment and had to pay the highest deposit due to the NCC Business account reflecting on my credit report. The account is severely affecting my renting reputation as I have never been late on a payment and was not aware of the charge. I have paid the debt and sent the company letters asking to delete and remove the account from each of the 3 credit bureaus with no response. I would like for the account to be deleted/removed from my credit report/history as I was not aware of the debt and paid the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, The following account has violated my rights : XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. This company is attempting to collect a debt. I've never done business with this company nor am I aware of who they are. They have not provided proof that I have signed anything. They have damaged my credit because of this and are causing a lot of stress in my life due to this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

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 2021-11-15
Company: Experian Information Solutions Inc.
State: OH
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:
Pursuant to 1022.41Regulation V. 

I noticed XX/XX/2021 The accuracy and integrity of the following information on my consumer credit report is showing to be very inaccurate on credit report agencies XXXX, Experian, and XXXX on the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Is XXXX, XXXX, and Experian in compliance with the CFPB? 

What are their policies and procedures on accurate and integrity?

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 2022-10-20
Company: Experian Information Solutions Inc.
State: DE
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-12-11
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 helvey collection agency reported to XXXX credit reporting that I owed XXXX XXXX {$250.00}. i have never lived at that address. XXXX has already determined that I never lived at that address and removed the collection from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00}

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 2020-01-24
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
When I opened this card account with Navy Federal Credit Union in XXXX, XXXX, I was offered a low interest rate for a year on balance transfers made with the opening of the account. All was well and good, until the promotional period ended. I thought it odd that the interest charges didn't fluctuate as the balance should have continued to go down. 

I recently inquired as to why the balance on this balance transfer has never gone down one penny since the end of the promo period ended. I was informed by the Credit Union that, now that the interest rate on both the balance transfer and purchases are the same, the balance transfer balance will not be paid off until ALL purchases, past and present, are paid in full, even though I am making more than the minimum payments. So now, I pay the same amount of interest on this balance transfer every month, no matter what. They only apply enough of a " payment '' to keep it static and not to pay down the balance. 

It has remained at the same amount since XXXX of XXXX, and they collect the interest fees on it, despite the fact that I am not allowed to pay down the balance. None of this was explained to me when I opened the account. It was only after I inquired as to why it was not going down did an agent explain that it would not until ALL purchases were paid off. I feel like this was a bait and switch by this credit Union. I have never been late on a payment either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation