BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Early in  XXXX  I posted a payment to  Wells Fargo Home M ortgage for the   XXXX   XXXX   XXXX  . I did this because it keeps them from callin g 2 or 3 ti mes a day if I want to pay at the end of the month. By  XXXX  I was aware that I was n't going to be able to make the payment. I tried to reschedule to payment on my phone but I got a message saying that they were n't able to access the loan data so I should try back later. And I did. Over  24 hours I tried about 10 times, o nline and on my phone, to change the date of my payment. I kept getting the same message. On the   XXXX   XXXX   XXXX   I walked into a  Wells Fargo b ranch to see if they could help me either cancel or rechedual my payment. After half an h our, two ba nk employees looking at my mortgage account, I was told that the problem is that the payment is pending, which is not what the message said. The woman who I talked with at the branch told me that the only think I could do was make sure that the money was in there because it was coming out. I knew that if I let them complete the transaction then the payment could be retried up to 3 times over drawing my account or taking out money as soon as I get income. I had to call my bank and put a ACH cancel/hold thing to make sure the payment will not go through.

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 2019-12-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Firstly, there is no such thing as Customer Service with this company PHH or its predecessor OCWEN. They are both companies which do not care one bit about their customers. They do not do as directed. They do not answer calls in a timely fashion ( if at all ). One waits on hold listening to the same deplorable messages to finally get someone in XXXX or the XXXX who know nothing and promise you everything ... ... very cordially. 

I asked that money be forwarded to my principal ... ... I wish to pay down the principal ... ... this is always ignored and they apply it to my mortgage even though I clearly state and write in the check memo line that I wish the extra amount go to principal. 

The business is probably 'machine ' driven and one can not get a human being to do what is requested. The agent XXXX in the XXXX ( XXXX ) promised me this would be corrected. He promised me he would call to say it was satisfactorily completed. He did not. I sent this check in XXXX and am so done with your company. I am not dealing with you anymore and will count on the oversight agency of the CFPB to deal with you. You are inept. 

Secondly, I tried dozens of times literally to call the number on your glossy " COME ON AD '' contained in my monthly statement to inquire about a refinance ... ... HOURS ON SPEAKER AND WAITING ... ... ..NEVER did anyone come on the line ... ... .you are SCAMMERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a letter from American Express about a past due balance. We reached an agreement for me to pay 24 monthly payments of {$35.00}. My account would then be paid in full, my obligation fully met. I did so. For 23 of those months I made the payment faithfully at the same time every month. 
This last check which was due in XX/XX/XXXX was written, mailed out and returned uncashed by American Express. 
It was sent back to me uncashed, from American Express, to tell me my account was no longer in that office. There was no other address to resend that check. 
Yesterday I received a letter from American Express that is from an office located in XXXX Texas that I now owe {$430.00} due XX/XX/XXXX. 
While I agree I still owe the uncashed amount of {$35.00} this is all I owe. 
I don't know whether to just send the check for {$35.00} or just wait to see what happens next. 
I have worked extremely hard to correct my credit. I do not want this to ruin it for me. 

Let me also state this is not the first time I had to deal with American Express like this. In XXXX I made a deal with them to settle my outstanding balance by making ( 12 ) $ XXXX  monthly payments. Let me state, this was my mother 's balance. American Express called me the day of her funeral. Not thinking right I agreed to open up a credit card to transfer the balance on to my name. I made the mistake and will accept it. 

I don't know what to do with this last payment I agree I owe but I refuse to pat an additional {$430.00}. 

I need your help and I really think you need to look into this company further. I can backup my payments showing American Express cashed my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A qualified written request was submitted to the lender on   XXXX   with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there 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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$870.00}, {$83.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX   XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.

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 2021-12-15
Company: Experian Information Solutions Inc.
State: MD
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 remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2019-12-20
Company: EQUIFAX, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$870.00}, {$83.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX  XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX 2017, I went in person to the Chase Bank Chase located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX in order to pay off and close my Chase XXXX XXXX Credit Card. I clearly expressed my intention to close the account to the teller and requested the full amount to pay off the account, which I further stated may be a different amount than the account balance. I was given an amount of {$14000.00}, and I wrote a personal check for that amount. The teller stated that in order to close the account, I would either talk to a personal banker in the branch, or call card services. There was a long line for the one personal banker, so I opted to call card services. 
I placed the call the same day, approximately an hour after leaving the branch. I stated my intention to close the account, I was offered {$200.00} cash incentive to keep the account open which I declined. Once I was assured the account was closed I ended the call. 
On XXXX XXXX I answered a call that caller ID recognized as Chase Bank. 
When I answered the call, the call was immediately terminated by the caller. I was puzzled by that call and on XXXX XXXX I went in person to the Chase Bank Branch to verify the account was closed. The teller verified the account was closed, and gave no other indications to me. 
On XXXX XXXX 2017, I received a letter from Chase Card Services stating that my account was past due and that I needed to pay {$290.00} in order to avoid additional late fees. There was no break down of the charges/amount in the letter. This was the first indication that I received from Chase that they had made an error and that somehow I was expected to pay for it. I called the XXXX number and spoke to two separate customer services representatives stating that I wanted the amount cleared, and that I felt that I should NOT and would NOT pay the fee or penalties for a mistake made by their personnel. 
I would like CHASE Bank to correct the issue, and send me verification that my account is closed, and further that no further fees, interest, etc will be charged. Additionally, I would like CHASE to verify that no negative remarks or information regarding this is reported to any credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-18
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Me and my wife applied for a HARP refinance with  Quicken  Loans on  XXXX / XXXX /  XXXX  . Our application was denied due to our  credit score o f  XXXX . As stated on the     XXXX   website " Through HARP, you can get a lower interest rate ( which means less out-of-pocket costs each month ), get a shorter loan term, or change from an adjustable to fixed-rate mortgage. There 's no minimum  credit score needed, either . ". see below 's chat transcript. This is an email of the transcript I got directly from QUICKEN LOANS stating that they do infact " accept HARP refinances ''. I should have been approved for the next step, instead i was flat denied.   General Info Chat start time   XXXX   XXXX   XXXX      XXXX   XXXX    E ST Ch at end time   XXXX   XXXX   XXXX      XXXX   XXXX   E ST Duration ( actual chatting time )   XXXX    Op erator  XXXX   XXXX  Chat Transcript info : A team member will be with you shortly.   info : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window.     You are now chatting with  XXXX   XXXX .   info : info : Please wait while your chat is transferred to  XXXX   XXXX .   info : All team members are currently assisting other clients. Please hold for a brief moment. Thank you for your patience.   info : The chat transcript will be sent to :  XXXX  XXXX  XXXX  at the end of your chat.   info : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window.     You are now chatting with  XXXX   XXXX .   info :  XXXX   XXXX  : Hi, I just chatted with a gentleman about being declined due to our credit score. I applied for a HARP refinance. He said we were not eligible due to our credit score being  XXXX . I just read the HARP qualifications and i got this directly off  XXXX . -- -- -- - Through HARP, you can get a lower interest rate ( which means less out-of-pocket costs each month ), get a shorter loan term, or change from an adjustable to fixed-rate mortgage. There 's no minimum  credit score  needed, either.  XXXX   XXXX   XXXX  : OK there may be other lenders that follow those guidelines, but we may have some overlays.    XXXX   XXXX  : ok. What should i do now? Wait for a call or email?    XXXX   XXXX  :  Well I would co ntact the lender that currently holds your loan, unfortunately I have to follo w Quicken Loan guidelines.     XXXX   XXXX  : Ok, Thank you  XXXX   XXXX  : Thank you  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/2021, someone attempted to get XXXX credit in my name. I immediately contacted XXXX. The representative said, " If you had not contacted us, we were going to contact you. '' The XXXX representative notified all three credit bureaus. XXXX XXXX and XXXX immediately removed the fraudulent inquiry. Equifax has refused despite numerous disputes.XXXX provided a fraud alert on my file with all three credit bureaus. 

Today, I spoke with Equifax supervisor XXXX XXXX, who was patronizing, uninformed, and perfectly satisfied with leaving a fraudulent hard inquiry on my account. I asked XXXX XXXX to add a consumer statement regarding this situation. As of this writing, he has not. I have filed XXXX disputes since XXXX. 

I respectively ask that the XXXX and Equifax immediately remove the fraudulent XXXX hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2019-11-20
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:
On XX/XX/XXXX I used a referral link to sign up for a Chase Freedom credit card and I got approved. The referrer gets {$100.00} bonus and the referee gets {$150.00} bonus if spending {$500.00} within the first 3 months. The referrer confirmed receiving the {$100.00} ( XXXX points ). I spent {$500.00} within the first 3 months which can be confirmed with statements, but the {$150.00} ( XXXX points ) was not given on my account. I called on XX/XX/XXXX, Chase account supervisor in XXXX, MO call center stated they no longer have record of the promotion that I used to sign up. This is unacceptable for a bank to not have this type of record that is less than 1 year and 8 months old. I have a screenshot and link that I used confirm the {$150.00} bonus, if spending {$500.00} within the first 3 months. Chase denied my earned {$150.00} bonus and could be depriving other customers of their earned bonuses too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Credit Karma, LLC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am very concern as I was checking my  credit score and  noticed there is a capital  one cr edit card with a limit of {$500.00} under my name. I have no credit card of any kind. This card is not mines but it is under my information. What do I do to correct this. Someone stoled my information and took out a credit card under my name but I have no idea who.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
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: Account status incorrect

Complaint:
please find attached the creditors letter for which they have approved to have the delinquencies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX - I applied for the XXXX XXXX XXXX Credit Card through J.P. Morgan Chase. I received an invitation in the mail that I was pre-approved with the XXXX credit card based on my history of banking with Chase. I was given a unique invite code to apply on my application. 

The first red flag occurred when I applied for this credit card, where I received a message letting me know that Chase needed to review my application further. I received zero communication until XX/XX/XXXX. The communication received on XX/XX/XXXX asked that I call Chase 's number ( XXXX ) to confirm if the application was mine. I called the number, only to be placed on hold for XXXX hours and being dropped off from Chase . As shown in the screenshots below, I was put on hold separate times for XXXX, XXXX, XXXX minutes with no answer from Chase. I tried calling back again on XX/XX/XXXX with the same issues. I have a full-time job and can not wait around all day for someone to help me with this. 

I went ahead and called Chase client services ( a separate division ) to see if they would be able to connect me, they were able to connect me to a representative to look at my application. The representative did not seem knowledgeable at all and said my application was denied on XXXX when I had applied. I let the representative know that I received communication that I needed to call back the number provided above to confirm my application. He seemed confused and said he would transfer me to the next representative. However, I was again on hold for XXXX minutes and then dropped from the call from Chase . 

In this instance, Chase has failed to notify me immediately that my application was denied - resulting in me waiting to receive a credit line and further delaying purchases I was planning on making. Additionally, Chase has failed to properly amend the issue of confirming my account application by not answering the phone and dropping me off after XXXX minutes of waiting. The lack of communication, inability to resolve the issue and misleading pre-approved marketing that I was sent is why I am writing this complaint.

Company response to consumer: Closed with explanation