BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I boarded a flight to XXXX, where I was planning on taking vacation until XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, a series of authorized in person withdrawals took place at XXXX branches, detailed below : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX pm EST {$1600.00} XXXX XXXX pm EST XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Claim : XXXX Business {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX pm EST {$2000.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX pm EST Claim : XXXX In each of these cases, Chase was negligent in their fiduciary duty to maintain appropriate security measures in maintaining control of my funds. They failed to properly ascertain the identity of the person making the withdrawals, and improperly mishandled the funds in question. 

I discovered the issue on XX/XX/XXXX while in XXXX, XXXX and immediately reached out to Chase. They were experiencing issues with their phone and call centers and I could not reach them until the day after. Once I was able to reach them they provided me with the XXXX claim IDs listed above. 

On XX/XX/XXXX I was told claim XXXX was originally denied due to signature is too similar. In response, I faxed and mailed over XXXX copies of my signature on various credit cards and other documents, displaying a signature that is clearly different from the fraudulent signatures on the withdrawal slips. 

I received a letter dated XX/XX/XXXX that the claim was now denied because Chase " determined that the item ( s ) being disputed were authorized or [ I ] received benefit from the item ( s ) '', with no corroborating evidence provided or additional reasoning. Chase changed the reason from the original conversation to an entirely different reason purportedly to deny my claim on no factual basis. 

I provided documentation that I was clearly out of the country, and there are no other authorized users on my account. I immediately reported these issues to the bank and they, without my express permission, closed both accounts, causing a series of returned payment fees across a series of mortgage providers and payees, including Chase themselves. To this day, I have yet to receive a refund of the remaining balance of my Chase Business Checking account, despite them having denied the claim. 

Not only did Chase mishandle and fail to control proper access to my funds, they have taken inappropriate action to remedy the situation, denied reimbursement based on false evidence that they refuse to provide, and have failed in their fiduciary responsibilities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I received an email from Chrysler Capital ( Tuesday, XX/XX/25 ) that my pre approval for a loan was approved. I was concerned because I didnt apply for a pre approval. I contacted Chrysler Capital by phone and was told a lot of those emails were sent out by mistake and not to worry about my credit report. It was just a mistake and there was nothing to worry about. I had a Chrysler loan years ago, but no current relationship. Very concerned about why they would do this - seems like fraud targeting former customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received an unsolicited XXXX Rewards credit card from Chase Bank sent to my office last month, this was a card I never asked for and did not want. I called Chase bank and they closed the account and sent me information on credit monitoring and protection. I called XXXX, as I do have a business XXXX account, and they seemed mystified as to how this happened. I do not do business with Chase Bank at all. I do not believe I need any further resolution, just wanted register a complaint that this happened, in the wake of the XXXX issues, wondered if Chase was doing something similar.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Wells Fargo banker suggested me to apply for a secured credit card and told me there would be no annual fee for the card. I thought it would be a good idea to start building credits considering I am about to XXXX college. Until a week later after I got approved. I was charged {$25.00} annual fee on my account. I called my banker and asked about the fee. He claimed that he thought there would not be any annual fee, and since I already got approved, there is nothing he could do about it. I am now not only obligated to pay the fee but also stuck with a credit card which I would not have wanted if I was told the truth.

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 monetary relief
Consumer complaint received 2017-04-03
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Western Union has the worst money order refund process. It is very long/protracted, against normal intuition, and does not allow an efficient refund. In addition to this, they have discriminated against me as a XXXX person, decreasing the amount I am due although I have been in and out of the hospital since 2013. 

I have had a pending refund request for the last 4 years. I have sent the requested documentation and complete information both through snail mail twice and fax a grand total of three times. Managers named XXXX, XXXX, and countless representatives have failed to produce the desired effects of a simple money order refund. For any new information regarding the refund it takes 2-3 business days. I have had to hound the team receiving calls at XXXX XXXX XXXX XXXX XXXX to do their job. The team has dropped my calls, flat out ignored me, talked over me, and denied that I have sent documentation on several occasions. In the last communication, XXXX told me that she received paperwork, and she can not issue the refund to my New York address because the forms were incomplete. I have heavy time stamped documentation showing complete high resolution faxes were received at XXXX XXXX XXXX XXXX XXXX. I have had a college professor, lawyer, and doctor review my paperwork in my building to verify it is done correctly and completely. 

Western Union has fraudulently withheld my refund and has been deceitful through from start to finish. I have been scammed out of funds that were to pay for medications necessary to keep a XXXX person alive. 

If that is not wrong, I do not know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear Cfpb ; XXXX, Transunion and XXXX ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

XXXX # XXXX ; & XXXX XXXX # XXXX ; & XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
To whom it may concern, I would like to initiate a claim against Bank of America Home Loans XXXX contact XXXX XXXX XXXX XXXX XXXX XXXX Manager ) for the following reason : - I refinanced a mortgage loan with Bank of America Home Loans XXXX 
- As requested several times, Bank of America Home Loans failed to effectively work with the title company and I didnt receive the XXXX until it was presented to me by the Tittle Officer at closing. 
- I will submit proof to this agency supporting my claim. 
- ( I have saved ALL emails / communications with Bank of America Home Loans, should these be required as part of your investigation ). 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I do not have a Student loan, Navient has been calling me daily about payment of a loan using my name and phone number. I have not had any student loans in 30 years. I have spoken to them directly multiple times to attempt to clear this up, but they continue to call me daily. when I block their number they change it to continue the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020,

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 2022-01-31
Company: Experian Information Solutions Inc.
State: MA
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:
Dear Cfpb ; XXXX, XXXX and Experian ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

XXXX # XXXX ; & XXXX XXXX # XXXX ; & XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Between my XXXX phones they call XXXX times per day. Starting the day after payment is due until I pay. This has gone on for several years even when I was in XXXX for the military I was harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: Billing statement

Complaint:
I am a victim of identity theft and someone stole my US Bank Visa credit card and made fraudulent charges on my credit card account. I have sent numerous letters, police reports and copies of my personal identification to US Bank and informed them someone stole my US Bank Vise credit card and made fraudulent charges on my credit card account. US Bank informed me that I am responsible for the fraudulent charges. US Bank is violating the Federal Fair Credit Reporting Act. I wo n't send any further correspondence to US Bank in reference to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: WELLS FARGO & COMPANY
State: WY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I applied for a credit card through Wells Fargo in XXXX MT on XXXX XXXX 2015. I never received it but was approved. They sent it to my past addresses that were listed in my credit report. I checked my credit one day and found out that I had this card and it had been being used by someone else. I cancelled it and reported the fraud. Later I check and find out it was also connected to a checking account that I was a co on. I did specifically ask that this card not be attached to any checking account and was told that it would not be, but it was and that checking account kept getting over drafted without my knowledge and put against my credit card up to approx. {$8000.00}. Approx {$6000.00} was overdraft fees. I contacted the bank to talk to the guy that set my account up but he had already quit, I am pretty sure it was due to being forced to setup accounts like this. I had to pay it so I could cancel all my accounts with them because everything they did was a mistake and kept costing me more money. I believe they at least owe the amount in overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing this information for the past two years and it keeps getting worse. My child was in the band when she was in middle school. I rented an instrument from XXXX back then and turned it in on time. I no longer have anything with them. I noticed on my report last year that they were saying the account was 30 days late and I disputed it, but nothing was done. I disputed it again and then they started reported it as paid as agreed and that I was paying every month. I do n't have anything from them, nor am I paying on any account. So they have it as a creditor and they also have it in my collection section showing that as a negative remark. They keep reporting this and it is impacting my credit score dramatically. They keep reporting it every single month on moth sides. I have sent a letter to XXXX and to the Credit Bureau and they continue to report it. My credit score dropped down when they added it to my current creditors as if I had credit with them.

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 2015-04-15
Company: Amati & Associates LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A scam " locator '' named " XXXX XXXX '' said he was going to come to my job and/or home to serve me papers regarding some case that I do not know about. He had a case number of " XXXX ''. He gave a return number of XXXX, which is for a company that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX my husband deposited {$400.00} through a Chase branch ATM at XXXX XXXX Florida XXXX at around XXXX. He read and took with him the receipt but ended up misplacing it and loosing it. On arrival home he checked the account online only to find out that my bank account was closed and a negative balance of {$140.00} still remained. I called the bank right away and they confirmed my account was in fact closed and the {$400.00} were nowhere to be found. They explained that there was no deposit dropped in to my account on this day, at this time. ( The argument is that when an account is closed the ATM should not accept any money but this was not the case ). The ATM failed to notify me that my account was closed too so i proceeded to make my deposit. I went to the same branch to get someone to help me but they said for me to wait for the claims department. I sat in the XXXX branch with another representative for about an hour while he spoke to the claims department and this was useless as well. I have called the claims department at XXXX well over ten 10 times through out the last year and I get the same response every time - they are still reviewing your case, someone will contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they the credit bureau pulled the information from a third-party reporting agency and therefore that information must be deleted.

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 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance

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 2017-03-22
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
A call from integrated services it was a robocall. Basically the voice said that they were attempting to contact but they bleeped that name out. The recording went on to say that they gotten some legal paperwork and if I did n't get ahold of them today that I was going to be facing federal and state charges for not paying a financial Institution. At the time I did not know the company 's name that called but I did a little research I found out that their name was integrated services after that point I did a web search and found out that there is no law firm by that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I attempted to lower the current, 7 %, interest rate of my home by refinancing. I was contacted by Cardinal Financial Company to refinance my mortgage ( recorded ). I told the Cardinal representative about prior attempts to refinance and prior appraisal fees paid. I was NOT willing to pay for another appraisal. I also gave the Cardinal representative underwriting information that would be on my title search. I was trying to be as transparent as possible. This representative assured me that I should have NO problems acquiring refinancing. I subsequently paid the {$470.00} for an appraisal. After 82 long days of meandering, Cardinal denied my refinance. I feel that if lending institutions did the underwriting, credit check, etc. FIRST ; they would then ascertain what an appraisal amount should be. Instead they collect appraisal fees FIRST. Sounds like a scheme to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18
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:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed FTC report which has been ignored by you. These accounts were. opened without my consent. Please remove and correct this information on my credit report immediately. 

XXXX XXXX  XXXX {$1500.00} XX/XX/XXXX US DEPT. OF EDUCATION/XXXX   {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX inquires XXXX Inquiry from XX/XX/XXXX + XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX tracking details to the second set of letters I send out Tracking Numbers : 1. XXXX 2. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation