BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband and I opened XXXX checking accounts in Wells Fargo at the XXXX New Jersey branch in XXXX of 2012. We also filled out a credit card application for overdraft protection as was suggested by the banker who opened the accounts, but we never received a credit card which was how they handled overdrafts. Several months later we discovered that we had been issued a credit card and owed them money. We argued that we did not have a credit card with them and wanted to know how was it activated. Any time one of our accounts was low money was transferred from another account. My husband is the family banker and pays the bills on line so he watches the accounts.They had no answers, the card was supposed to be in my name but supposedly according to Wells Fargo, my husband activated it when they called and spoke to him about an account that they claimed was overdue. He was confused about the call and thought it was about one of the checking accounts. We could n't believe that Wells Fargo had activated the credit card by talking to my husband, a card that was supposedly in my name and we knew nothing about. We were angry. They told us that they do n't always send out the cards, we never heard of that. How can you know you have a credit card if you do n't receive one? We sent letters to the main offices of Wells Fargo but they would not do anything, just sent letters patronizing us. We were charged interest and late fees. However the worst damage was the damage to the wife 's credit that Wells Fargo refused to address and has been plaguing us ever since.

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 2021-10-11
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for an installment loan with XXXX XXXX, ( XXXX XXXX  ) and was approved. See attached notice. After receiving the official approval, they pulled a hard inquiry on my credit report. I instantly received a denial notice, after receiving the official approval. The loan denial was based on having another hard inquiry being pulled on my credit report after applying for their loan. A soft pull on my credit report was submitted by Upstart Lending ( XXXX ) on the date I applied. I had assumed the loan was going to be denied as it had been several days since applying. I did attempt to search for another loan. If trying to find a better loan opportunity causes someone to lose out on qualifying for a loan, its unfair for the consumer/customer. No counter offer was provided nor an explanation of how to move forward. How can a hard inquiry on a credit report cause someone to have their loan approval reversed. When someone is searching for a loan, it shouldn't count against them for searching for the best opportunity. I should have been provided an opportunity to explain why an additional hard inquiry was pulled. Surely a reputable lender should have known this??? In contacting the lender I was place on hold for over 1 hour and 30 minutes. As it turns out, it is their practice to deny loans if a current applicant attempts to get credit from a different lender after applying with Upstart.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My card was lost and I reported it missing with my bank. They did an investigation and first gave me the payment then made a decision to reverse charges. These are charges that I did not make during the time my card was missing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Hello, thanks ahead for your time reading this message I believe my line of credit was denied base on the amount of fund. First, Wells Fargo could not convince us to transfer our auto loan onto the LOC. They will have to reduce our LOC from {$20000.00} to {$10000.00}. Since they do n't make much money for any loan amount below {$12000.00}, the treatment of the loan was totally different from the earlier stage of application. It seem like they were forcing us to quit with the process, since they are not going to make much money. After XXXX months of submitting them every little piece of financial information that they needed, Wells Fargo rejected my loan application based on my loan to debt percentage. 
All of the information that they needed to determined this loan to debt ratio was provided for them from the beginning stage. How much we make and how much we owe could have been picked up during the initial application process. Our point again, Wells Fargo was forcing us to quit with the loan since the loan amount was small. At the end, Wells Fargo denied our application of a very weak basis that they have not explained in writing. 

We have tried to contact our loan processor, but our email was ignore. We were asking on the information that they used to determined my loan to debt ratio. We figure with our salary of over {$100000.00} a year, a mortgage less then $ XXXX, {$200000.00} equity line, we could afford another $ XXXX payment for the LOC of {$10000.00}. Apparently, not!

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 2021-10-11
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Gemini trust company LLC, they state the following of what I read from their response : ( On XX/XX/2021, Gemini provided Mr. XXXX with additional guidance on what was required from the customer before lifting the restriction on his account. Mr. XXXX has yet to respond to this inquiry. )/ The only reason why it could be is because I have never received any notice from them on the date that they are saying. I have been sending them from their platform, XXXX, XXXX, XXXX XXXX I even sent respectfully a XXXX to Mr. XXXX XXXX hopefully seeing a change in my case however I continue struggling with frustration. I would like to know if they required extra info about me. Although, they have the sufficient information about me that I don't see why their delay is endless. I hope after this letter we can get in touch promptly and fix this matter the best way possible which is to let me get access to my account like I was before and continue as a loyal customer of Gemini trust company LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
After reviewing my credit report i noticed that there is a U.S. Bankruptcy Court items listed on my credit reports.Per the FCRA 623 ( a ) ( 5 ) : if the credit bureau can not VALIDATE the information from the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information.It is the credit reporting agencies, and / or other third party providers who collect information regarding public cases from public records.Public records information is NEVER validated by the recorder of deeds nor the U.S Court system due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information to be PERMANENTLY DELETED from my credit report immediately.

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 2021-10-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Carrington Mortgage Services violated my consumer rights. A debt validation letter was sent to this company on XX/XX/2021. This company failed to provide any documents validating this alleged debt. Instead, they sold my personal information to another debt collector after receiving a cease and desist all collection activity letter. This company has harassed and sent threatening parcel to my residence without prior consent. This company has also threatened me with foreclosure on my home and that they would charge a late payment fee on an alleged debt I do not owe to them. I am the original creditor and my consumer rights has been violated. I have communicated with this company the they do not have consent from me to sell my personal information to anyone and that it would be a direct violation of identity theft if conducted. Listed below are all the violations : 15 USC 1692f : Unfair practices, 15 USC 1692e : False or misleading representations, 15 USC 1692d : Harassment or abuse, 15 USC 1692c : Communication in connection with debt collection, 15 USC 1692j : Furnishing certain deceptive forms, 15 USC 1692 : Congressional findings and declaration of purpose, 15 USC 1692k : Civil liability, 15 USC 1691e : Civil liability, 15 USC 1691c : Administrative enforcement, 15 USC 1691a : Definitions ; rules of construction, 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, 15 USC 1681c : Requirements relating to information contained in consumer reports, 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Did a pre approval application on the Discover It card & this counted as a hard inquiry against my credit score. Im in the process of repairing my credit & was looking for an additional line of credit to add to my profile, this was not supposed to be a hard pull per the website because it used the last 4 of my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have chase for a checking and amazon refunded me {$56.00} towards my checking account and chase failed to apply that {$56.00} towards the remaining balance and I gave them 48 hours to fix it they failed to meet the deadline my balance should be. {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
JPMorgan Chase ( " Chase '' ) is over-reaching their ability to capture tax escrow funds by accelerating the City of XXXX property tax due date by 2 months or more since the tax due dates are not due for year 2017. After contacting Chase about the revised escrow disclosure their escrow department was unable to provide proof of when City of XXXX property taxes are due for year 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Chase Bank C/C Web site showed my payments made and complete. When in fact they were not paid and were retracted XXXX weeks later giving a scam artist the ability to snag {$100000.00} of my dollars. I was suspicious of this company so I covered myself with alerts on my account and watched it every day to know when payments were made and when charges hit. I received no alerts at all until I called Chase and told them that they had been subjected to fraudulent activity. 
On the web site a note pops up about Chase Bank verifying that any pay account is verified that It belongs to the account holder before approval. This was not done or I would not be in this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Please update this inaccurate information. 

Account # : XXXX Account Type : Installment Account Type - Detail XXXX XXXX XXXX XXXX Code : CoXXXX Responsible in Case of Default Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$92000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On Friday XXXX/XXXX/2015 I had used my debit card to make XXXX transactions final XXXX being XXXX and a XXXX transaction that took me XXXX dollars over my account limit. I have had my bank account for years now before the CARD Act of 2009 in which every time I was asked I REFUSED Overdraft Protection knowing the CARD Act of 2009 protects me from outrageous fees and is supposed to force banks to deny purchases when I do not have the funds availableFour years this was respected if for some reason I incurred a Overdraft Charge. I called Chase to inform them that these are illegal fees. I spoke with XXXX agents XXXX agent insisted the CARD Act does not exist and the other insisted that bank rules apply over the CARD Act. The manager claimed the CARD Act has nothing to do with debt transactions overdraft fees. Then the manager caved and claimed my XXXX XXXX charges were recurring fees and they have the right to overdraft as my purchases were shuffled. 

To where yes indeed it is true recurring transactions are allowed to be processed due to the card act and overdraft fees are allowed. XXXX is not a monthly fee not is it a recurring transactions and XXXX states on their site any bank listing it as such is mischaracterizing the charge. 

I am XXXX I understand rules and follow the law I do not understand how companies like this can try to go around the CARD Act of 2009. Its like they are trying to take advantage of people who do not know it exists. 

If anything I said is hard to understand PLEASE contact me as I am XXXX and my XXXX makes it hard for people to understand me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: COAST PROFESSIONAL INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a phone call from " coast professional '' at my place of employment. The person on the phone asked if I was ( my name ). After I said " yes, '' she then asked me to give her either my phone number, address, or last XXXX digits of my social. I became very uncomfortable & asked her what this call was about. She refused to tell me until I gave her XXXX of the XXXX bits of information. At that point, I looked up the company online & saw that she was calling on behalf of a debt collection agency. So, I asked her if her call was regarding a debt collection. She said she could not tell me that information, but offered to let me speak with a supervisor. The supervisor then asked me to provide XXXX of the XXXX pieces of information. He also refused to tell me if the call was in regard to a debt collection. Although I was very nervous to give him any information, I did. The supervisor then told me I was n't the person they were looking for. Anyway, my belief is that this was a fishing expedition. As soon as I said I was the name they were looking for, the company was required, under the Fair Debt Collection Practices Act, to identify themselves as debt collectors. They did not.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account with JPMorgan Chase that was closed due to insufficient fund/cheque activity that was related to fraud/identity theft. I explained this to Chase, because it is showing up in XXXX Reporting as an unsatisfied debt and hindrance to me opening other accounts in other places. Chase conducted an investigation and closed out the balance and account to a XXXX balance ( nothing due and the case considered resolved ). 

I have asked them to update this reporting to XXXX and they, Chase, told me that I could update it directly with XXXX and that it would be resolved and the entry removed. 

I have contacted XXXX SEVERAL times, forwarding the letter from Chase to resolve the issue and remove me out of their system, but when XXXX verifies the letter with Chase, Chase then reports that the debt/balance is still open and not resolved - so XXXX has NO other choice but to keep the entry active on file. 

Chase literally tells me that there is no issue, the problem has been resolved and that XXXX should be contacted to update their records ; Chase, then hypocritically converses with XXXX once I dispute the info and have them contact Chase and says the EXACT opposite to XXXX that it says to me. 

Chase can not legally tell me one thing with a letter and then tell a credit/chequing reporting agency the exact opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
bank canceled a credit card stating it did so because a banking affiliate terminated business with me. after checking my credit report and verifying that no business terminated anything, the bank then responded they were under no obligation to explain why they did anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We took the forbearance plan with our mortgage company presumably under the CARES act. Now when I have ended the forbearance we have been hit with a lump sum payment amount of {$19000.00}. I was under the impression that with an FHA mortgage, we would be given the option of making a payment plan or having the amount added to our mortgage. I have emailed and called and left messages to United Wholesale Mortgage but have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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: Information belongs to someone else

Complaint:
XXXX XXXX  card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX XXXX last four of that card number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Dear Chase I appreciate your letter Dated XXXX XXXX, XXXX. 

Chase its been over two years of research on my own Chase after many questions, research, and more questions we agree on a few findings and discovery. 
Chase as stated in your letter you have responded with letters from XXXX to present. 
Chase each of my letters and request are connected by property however different questions and or new information and discovery. 
Chase you stated if I have new research, and or discovery to provide for review - what I continue to provide. 
New Information was provided- Notary XXXX XXXX Chase the information provided regarding notary XXXX XXXX was provided as requested for errors and omissions. 
The certified no record of TDUS in XXXX XXXX notary journal- discovery within the last year. 
Chase last letter advised me to contact WaMu bankruptcy attorney - I contacted attorneys in XXXX XXXX. 
Discovery as of XXXX XXXX - WaMu bankruptcy attorney confirmed no knowledge or disclosure of recession from XX/XX/XXXX.- requested a copy, I provided XXXX XXXX. 
I believe request by Chase to provide detailed documents have been met. 
Chase has stated in a few letters XXXX XXXX XXXX handled file until last quarter of XXXX. 
Chase what do you do in a case of so many confirmed errors? 
Chase when you discovery this type of negligence by third party XXXX XXXX XXXX - what is the process to address the errors?

Company response to consumer: Closed with explanation