BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX someone took {$2500.00} where they use my pin code. I never told anyone my pin code even my husband doesnt know it. The next day that person bought {$160.00} worth of XXXX XXXX in my card also bought {$3300.00} from XXXX XXXX store in XXXX XXXX. XX/XX/XXXX, {$1400.00} was used to buy at XXXX in XXXX. Ive never been in those places in my life. I assume that someone from chase bank use my personal information to go on a shopping spree for the holidays while they wipe out my account. Whoever did that should be ashamed of himself or herself for doing me wrong. I wont stop until something is done about this. I think the bank should have more advance technology where the customers can approve their purchase through text messages so they are aware of every transaction that is being done in their account. They should have known this long time ago I should not be the one to tell them. Its being a week since I made the report to Chase for this matter I still have not get my money back. I think if it was my credit card I think Chase would care more more to find out who did since its their money. What if I need to buy something I left with less than {$100.00} in my account. I thought chase cared about the customers money since they use costumers money to make billions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My wife and I have had an account with Wells Fargo ( formerly Wachovia ) for about 28 years. I deposited {$11000.00} into the account. Well Fargo froze the account " in case the money is XXXX. '' About this time, my wife wrote XXXX checks, # XXXX for {$1500.00} and # XXXX for {$2.00} to a contractor. The contractor tried to cash the checks and his bank said that they were not being honored by Wells Fargo. Unfortunately, the contractor asked my wife for XXXX more checks for the same amount and she complied ( numbers XXXX and XXXX ). I called Wells Fargo and asked why they did n't honor the first checks and they told me they were concerned that about the deposit being drug money. I pointed out that there was already a balance of more than {$4400.00} before I made the {$11000.00} deposit. They told me that XXXX set of checks had cleared, with {$4400.00} being withdrawn from my account and the other set had not cleared. I asked them to stop payment on the XXXX that had not cleared and they said that they would ( Reference numbers XXXX and XXXX ). Later, I saw my statement and saw that all XXXX checks had cleared so that {$8800.00} was withdrawn from my account. I called Wells Fargo twice : the first time the person handling my call for a long time while she talked to her supervisor and told me that they would get back to me. They did not get back to me. I initiated a second call and again I was put on hold a long time while a supervisor was involved and they told me that they were n't going to put the money back in my account ; I should ask the contractor to return the duplicate money. Later, they sent me a letter suggesting that I ask the contractor to return the money. We have had exhaustive talks with the contractor. He had not finished done any more of the job ( front porch ). He did give us {$1000.00} back, but no more. It has been almost two months. I little hope that CFPB can make the contractor do the work. I am hopeful you can persuade Wells Fargo to return the money for the checks they failed to stop payment on. Then, I would only be out {$3400.00} to the contractor.

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2020-06-11
Company: EQUIFAX, 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:
This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; I have no idea who this company is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
This is regarding online purchase of a product from Amazon, USA. I am prime member of Amazon and I was planning to buy an XXXX for self and proceeding to check out. 

When I added the item to the cart, XXXX website prompted me with a offer to Apply for a credit card to get instant XXXX $ discount upon approval. System showed me the details Product price is {$240.00}, after approval I would be eligible for {$70.00} discount immediately and final amount I would have to pay is {$170.00}. 

I found the deal interesting assuming that I would get an instant approval or rejected option and purchase the item. 

Then I went ahead and filled all details on Amazon website to apply for the Amazon credit card to avail the discount. 

When I submitted the application, to my surprise I got a message that my application would be reviewed and the status would be notified within 30 days. 

I think this is clear case of misleading the customers. Website says instant discount upon approval. So any normal mind person would think the status would be notified immediately. If it has to take 30 days then why would someone wait for 30 days to purchase a product. Hence I wanted to cancel my application. 

I made multiple calls to amazon customer care and spoke with XXXX ( team lead ), XXXX, XXXX and XXXX ( Lead ). 

They were helpless and connected me to XXXX. XXXX executives asked to contact Chase Bank. Chase Bank executive ( XXXX ) said she is helpless. My application is still in pending status and ca n't be canceled. She asked to circle back and contact Amazon customer care to get a clarity on such discount information displayed on their website. 

Since 1 hour I am struggling with everyone to get my application canceled. I do n't want my credit card get approved as I ca n't take benefit of the deal after 30 days. 

I believe this a clear misleading information to encourage customer to apply for credit card and once it 's submitted, customer does not get any benefit since card goes for an approval process which may get delayed by 30 days. 

I request you to please help and get my application canceled and also please ensure such misleading information is controlled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Recently I was scammed for buddy pass tickets for XXXX XXXX. The scammer had me use XXXX through Wells Fargo which I believed to be secure but indeed is not. The bank incorporates XXXX in their mobile app and make it seem like it's a transfer feature between people with the same bank. They make it seem secure and trackable. The bank does.not care that this is happening nor are they cooperating. I did a lot of research on the identity that the scammer used. I eventually got in touch with the real person who's identity the scammer was using. He claims it's a huge on going investigation and he gave me contact info for a Detective XXXX XXXX. The banks should not be backing XXXX. It is misleading by having it incorporated in their mobile app and they seem not to care whether I told them I was scammed. They should reverse the payment and also provide the receiving account details to the Detective.

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 2016-02-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Macy 's Fraud Department contacted me by phone on XXXX XXXX, XXXX to verify suspicious charges and it turns out the charges were fraudulent. Macy 's XXXX XXXX removed a {$260.00} charge from my Macy 's store account and told me I should send a " Statement of Fraud '' to Macy 's American Express Fraud Department to remove a {$40.00} Shell Oil charge made in Delaware. I live in XXXX, FL and I have never been to Delaware. Also, I was told not to pay for the {$40.00} charge. That same day, I went to a Macy 's store in XXXX, Florida and paid off my balance of {$1300.00} in cash. 

Macy 's Fraud Department told me they were mailing a " Statement of Fraud '' to my home address ( they told me they could not e-mail or fax the form ). After several calls to the department I received said " Statement of Fraud '' on XXXX XXXX, XXXX ( 1 month after the initial call ). I signed it and return it by mail on XXXX XXXX, XXXX. I called the fraud department and I was told it would take several weeks to process the fraud investigation after they received my letter. I paid my XXXX Macy 's statement balance minus the {$40.00} Shell Oil charge. My headache was just starting. The Fraud department kept saying that they did not received my letter or my fax. So, I started calling and faxing as follows : Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX The answer was always the same : " there is no record of receiving the Statement of Fraud by either mail or fax therefore we can not investigate it. '' After losing my patience, I sent a copy of the " Statement of Fraud '' to the Fraud Investigation Department by XXXX signature required on XXXX XXXX, XXXX and it was delivered and signed for on XXXX XXXX, XXXX. Afterwords, 3 months after the initial call, I called the fraud department and after one hour on hold I was told that they would give me an answer in a few weeks. My credit is damaged, Macy 's calls me everyday looking for payment, the original {$40.00} is now over {$120.00} with interest and late charge fees. I have spent more money with calls and XXXX that I would have if I had paid the original {$40.00} fraudulent charge. 

I want to clean my credit but the Fraud Investigation Department of Macy 's American Express card is not cooperating and it has made my life XXXX for the past 4 months. I was a very good Macy 's costumer and I can not wait to close this account and never again step in a Macy 's store while I am alive.

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 2018-06-13
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Navy Federal credit union closed my credit card account while I was on XXXX XXXX status due to my past credit history which I tried to explain has since been improving and closing my card would actually hurt my credit score. I also explained to them that Ive been making timely payments so I couldnt understand why they would decide to close my account. It saddens me that a bank thats supposed to help military and uses military as a marketing scheme is actually a lie especially when Ive been a member for years and if they actually looked past my credit score would see that ive been making timely payments to all credit cards that I own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being harassed for tuition from XXXX XXXX XXXX XXXX and Williamd & Fudge Inc. for a semester of school that I never attended due to the COVID shut down. I unenrolled for the 2 classes with the school 3 times. The school was shut down due to COVID and classes were all changed to online which I never agreed to or attended. I have learning issues and online learning would not fit my situation. the bill is XXXX and in collection and it is not accurate. I have paid for all of my schooling that I have attended in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an old " hard '' credit inquiry listed on my credit bureau reports that is 2 years old and needs to be deleted. It is an inquiry from XX/XX/2016

The company that is reporting the credit inquiry is Capital One Bank.

This old information is hurting my credit score and my ability to find a job, obtain a loan, or rent an apartment.

It is listed on my XXXX, XXXX, XXXX, and XXXX  credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been a consumer of Wells Fargo commercial loan for 7 years. During this time I have contacted them, in XXXX in XXXX and most recently this past spring, looking to refinance my commercial loan. Each time, I was told that they do n't refinance commercial loans. So I have continued to carry the loan with them at 10.6 % because I do n't have the funds for the appraisal required by going to a new lending institute. In fact, I 'm living with a family member because I can not afford to pay rent. After hearing all that has happened with Wells Fargo, I thought there might be something fishy in the commercial loan department as well. I say this because for each call there was no person higher up that was available to challenge this no refinance policy. As a result of not refinancing, I put my property on the market this summer to get out of debt. No takers so far. If your team thinks this could be challenged, I would appreciate a call or email. 

A few more details ; I am a sole owner, no llc, who put my saving into a XXXX unit investment property in NH right before the recession. I am not some big development or corporation with legal muscle. The financing I got was with XXXX who sold my loan to Wells Fargo roughly 7 years ago. 
I 'm not expecting miracles but if there is something to uncover I 'm confident that your team can.

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 2016-09-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, XXXX, we received letter from Wells Fargo informing us that we did not qualify for Home Affordable Modification Program. We were told that XXXX XXXX requires that the property be owner-occupied. The XXXX XXXX website says requirements : Property Type : XXXX-to-XXXX-unit XXXX residences, including condos, PUDs and manufactured homes. 
XXXX homes XXXX-to-XXXX-unit investments properties We meet the requirements for the XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX This single family house is for the one of the investment property. As noted in our Hardship Statement, we are presently current on the mortgage payments for XXXX XXXX XXXX XXXX, XXXX, CO XXXX. Because of the increasing medical and assistance with daily living costs, we fear imminent default once the mortgage payments almost double in XXXX XXXX, XXXX. As I mentioned earlier, my husband list his job in XXXX XXXX which lead to our financial issues and we had to file for Chapter XXXX Bankruptcy. My husband suffered a XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX in conjunction with XXXX. XXXX. We would very much like to resolve the loan modification matter so that we can focus on his recovery. Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Security Credit Services, LLC
State: TN
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've contacted Security Credit Services though XXXX XXXX, filed a police report with XXXX PD, called them requested copies of proof of debt, received the account information sent copy of the XXXX report to them, showing they got the wrong person. Yet still they refuse to remove from my credit report. Been disputing this on my credit report XX/XX/2018. Still no removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was informed by an American Express customer service agent that they report to the credit bureau every 60 days and not every 30 days. I was financially impacted by Covid 19 and was unable to work for several months. My accounts with AMEX were under the Pandemic Protection Plan which has now expired. I asked if my account would be reported as 30 delinquent if payment wasnt made by the due date. I was informed that I would not because AMEX report every 60 days and my score wouldnt be impacted. I received a credit alert from XXXX  saying that AMEX reported XXXX  as 30 delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Capitol One account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XXXX XXXX and ending on the later of ( aa ) 120 days afterXXXX XXXXXXXX ( I ) report the account as current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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 rewards from credit card

Complaint:
I opened an Amex XXXX  for XXXX XXXX on XX/XX/XXXX with a welcome offer of earning additional 9X Membership Rewards points for Shop Small within the first 6 months, up to {$25000.00}. I made a {$2200.00} purchase at XXXX XXXX on XX/XX/XXXX and a {$990.00} purchase XXXX XXXX on XX/XX/XXXX. But the 9X Shop Small bonus points for both transactions were never posted to my account. 

At the time of the transaction, both merchants were showing as Shop Small merchants on the Amex merchant map ( https : //www.americanexpress.comXXXX  ). XXXX XXXX is still on it as of today XX/XX/XXXX ( https : //www.americanexpress.com/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), see attachment XXXX. I have the Amex online chat records ( see attachment XXXX, XXXX, XXXX ) showing the chat representative confirmed XXXX XXXX was a Shop Small merchant on XX/XX/XXXX when I first inquired about the missing bonus points for this transaction. 

After that, I have contacted American Express many times about this issue. Once a chat representative even confirmed that the missing points will be credited within 8 to 12 weeks of the investigation case date ( XX/XX/XXXX ), see attachment XXXX, XXXX, XXXX. 

And till now, the points were still not posted. I also tried to contact Amex by phone about this issue in XXXX. And they sent me a letter saying " we are unable to process your recent Membership Rewards request '' but did not state any reason for that. This is a complete lack of customer care. I have wasted so much time fighting for the missing points that I should have earned, but the team just simply declined it with a sentence without any explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Information on address lists a business - XXXX - XXXX XXXX which is not mine

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