BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-27
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Called my sister and my mother through a autodialer and left and left a unclear message. Did n't state the name of the company but stated they are going to file charges against me with the county. They called my sisters cell phone number and my mom 's land line in which I have never ever ever use them for any credit references. I left a message to revolk any consent to call anyone.

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 2015-12-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I sold my house in XXXX, both loans were paid recorders office and title office both show all loans paid and no leans on the sold property. 
My daughter and I bought a house in XXXX the one bank that the sold house had said that they did not receive any payment and had a lean on the old sold property. They told the realtor that they would over look the lean but I would have to pay the loan back that I had paid before. 
I 'm still paying the loan that I paid off in XXXX, the bank told me if I did not pay they would come after me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a Huntington checking acct because of their 24 hour grace period if your account goes negative and I felt that that really helps me since I really cant afford fees. My account had XXXX in it and I had a check for {$5.00} returned due to insufficient funds and was charged XXXX. If the check would have went thru, my account would have been XXXX, still under the {$5.00} threshold and I would had a deposit coming thru the same day. So what happened to the 24 hour grace period that Huntington says they offer? Does it go away after a certain amount of transactions? Paying almost {$40.00} at this time of the year really put a dent in my pockets. I can see if the transactions were a lot of money, but they were {$5.00} or less. Needless to say, once I get direct deposit switched over, I will be looking for another bank, one that really cares about an average person just trying to make ends meet!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-31
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I just opened an account threw Huntington bank am then I made a deposit an the same day they withdrawn {$190.00}. I called an they are trying to say I opened an account in 2013. An wrote a check that bounved. I never had an account at that time am never had a bank card or checks. So there is no way this could of happened I do n't no if someone has stolen my identity that is the only answer for this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I have a Chase credit card with a reward program. I have accumulated XXXX rewards points on my account which worth cash amount of {$340.00}. But when I was trying to redeem the cash, Chase took away all my points without any notice in advance, and refuse to redeem any cash for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions 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:
I received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

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 2016-08-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Re : Chase Bank / Unlawful Credit Card Debt Collection Practices. Due to a loophole through the court system and a Chase bank credit card charge-off in 2009 for {$6400.00}, I have been issued a wage garnishment now totaling {$14000.00} through a debt company XXXX XXXX. After a long effort to prove unlawful judgements, deceptive affidavits, debt flipping and AZ interest rate violations, my motions to vacate the case have been denied. 
XXXX XXXX had failed to provide acceptable documentation and disclosures of debt ownership but it was disregarded and/ or ignored by the courts. Also, some spreadsheets provided by XXXX resemble " robo-signed '' copies of uncollectable debt transfers. The '' so-called debt '' was passed along through various debt collectors through incomplete bills of sale. 
I have also been affected by inaccurate and duplicate debt accounts by credit reporting agencies. This has affected my ability to obtain credit, financing and possible employment in the past years. Collection Information about the debt left an impossible burden of challenging the errors. Now, the {$500.00} a month garnishment has also caused financial hardship. 
The successful debt collection lawsuit against Chase bank proves wrongdoing by XXXX XXXX, debt buyers and the bank. The repeating many times over of resale of debt, often for pennies on the dollar, is excessive. 
I will include in this complaint, various court documentation, unsuccessful debt verification and credit report documentation. If any other documentation is needed, I can supply this on demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A check was cashed and remained good until after two weeks. After two weeks Chase bank said the check was no good and that I owed them the money for the check they cashed two weeks earlier. The bank froze my account and I have n't used it since but this is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
A person with my name ( XXXX XXXX ) has applied for a mortgage from Chase. Someone at Chase incorrectly noted his email address as XXXXXXXXXXXX, which is my email address. So now we have : - me : XXXX XXXX from XXXX ( email is XXXXXXXXXXXX ) - borrower : XXXX XXXX from XXXX ( email is unknown ) Sequence of events : - I received an email from XXXXXXXXXXXX on XXXX/XXXX/2016 asking me for tax information. I responded the same day indicating that I did not apply for a mortgage. 
- After receiving additionals emails, I called Chase customer service to resolve. They were unable to assist me, because I do not have a Chase account. They suggested I email XXXXXXXXXXXX, which I did. 
- The abuse account response indicated they could only interact with me via a secure web portal, and that I was to log in using my Chase account information. I responded by pointing out that I am not a Chase account holder. 
- I then received an email to confirm registration to a secure Chase portal. I was pleasantly surprised that Chase had figured out how to enable secure communications without me actually being an account holder. Upon confirming the registration, I discovered that the account was for the " other '' XXXX XXXX : it contained mortgage disclosure documents. 
- Concerned about identity theft, after 3 hours of calls to Chase, I finally spoke to the mortgage broker who originated the application ( XXXX XXXX - XXXX ). He confirmed that the " other '' XXXX XXXX has a different address and different last XXXX SSN digits. He promised to try to " disconnect '' my email address from the other XXXX XXXX 's account. 
- On XXXX XXXX, I received a call from Chase with questions about my account. A Chase employee asked me to verify my address and SSN last XXXX digits. Curious, I provided my information. The Chase employee then began to discuss my mortgage application. I immediately told her that this was not my application, and asked her to confirm whether my address and SSN were on the mortgage application. She paused, and admitted they were not. ( XXXX check right there. ) She promised to attempt to remove my email and phone number from the account. 
- Today ( XX/XX/XXXX ) I received another email prompting me to log into the Chase " secure portal '', only to discover my email account is still bound to the " other '' XXXX XXXX 's mortgage application. So now I have access to another person 's mortgage documents, and Chase can not figure out how to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Chase Bank Servicer - Investor XXXX XXXXMy state is listed as the hardest Hit States and was specially designated a fund since we had the highest foreclosure rate in the country. Orginally contacted HOPE NOW and was told they could not help me. Was denied XXXX times by Chase for a modification due " the investor '' does not participate. All along, I have basically had to " steal from XXXX to Pay XXXX '' and have credit cards and owe debts to family members that I know now I will never be able to pay back just to stay current and was told by Chase that I had to be late to qualify for any home retention options which would distroy my credit. I cant afford higher interest rates on credit cards, auto insurance, and many other items that will require deposits if I have to move. XXXX will eventually cause me to lose my home and have to file for Bankruptcy. I am already on food stamps. My hardship began in XXXX 2013 when my husband passed. He was the major wage earner of the home. I begged my family to move in with me to help me with expenses and help me with the grief of losing my husband. There was no will or probate. I lost 85 % of the household income. ARM loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Other

Complaint:
I was trying to place an order on Amazon and was having problems with the Internet ; I was trying to submit my order and accidently pushed apply button. The Chase Bank Card has put an Inquiry on my credit report and I want this to be removed because I did not apply for any credit. I was just trying to push the Add to Cart button and since there was problems with the Internet, I accidently pushed Apply. Please help get this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a Chase Freedom Unlimited card and I recently applied for a credit line increase on XXXX/XXXX/2017 and I ended up speaking with a credit analyst who asked me to verify information from my credit report as I have a fraud alert on my credit stating to verify my identity before granting or extending credit. I am use to this process and he had me verify information and placed me on hold to review the information. Well after about 15-20 he came back and told me congratulations we have increased your credit limit to XXXX and it is available for immediate use and when I logged into my online account it was there. Well I recently logged in my account a few days ago and to my stick my credit limit had been reduced back to the original limit and when I asked why they told me that it had to do with my consumer statement and they tried to call the numbers and they were disconnected to which I replied that I had recently moved but the numbers were already updated with credit bureaus and the cell phone number on my account had not changed. They told them that 6 days later on XXXX XXXX my credit limit had been changed back because they felt it was a fraudulent request and I advised it was not a fraudulent request that I had in fact asked for it and the agent I spoke with verified everything already and why were they in my account 6 days later because they had approved the credit line increase and I had already received a letter confirming that it was increased. So why was it being reduced now and if the information was not verified properly on the XXXX why was the increase granted and I mailed a letter. They told me I needed to speak with lending services who explained that they had reduced the limit 6 days later and said the computer caught it 6 days later and I explained I did n't understand cause I spoke with an agent and he manually reviewed everything with me while I was on the phone and granted the request. Despite this they told me that I the request was closed and I would have to reapply for another credit limit increase and have another credit pull. I spoke with a supervisor and explained that they pulled my credit already and approved the initial request litterally 2 weeks ago why did I have to take another hit to my credit score. Every credit pull drops your credit score and I did nothing wrong. So they pulled my credit the first time for nothing and did they violate the law by granting credit and not verifying the request properly initially? It was n't a fraudulent request, I requested it and spoke with someone and verified it and now they are saying they ca n't grant it even though I have an approval letter and credit hit and now they want me to have my credit pulled again???? That is not right?? Why do I have to take another hard hit to my credit score and drop my credit score again for nothing I did wrong. Also why were they even in my account 6 days later??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
hello i purchased a car from a dealership everything was great they got me a loan with a lender named westlake financial services in XXXX california i made my first payment without any problems but after 2 weeks from that time i received a call from the dealership saying that the bank return the loan to them and that i need to pay the car in full to the dealership or be repossess now the bank never called me about this i made my first payment to them without any problems i have a contract signed with them i dont understand what is going on i think there is a fraud here and im very XXXX because of this now i lost my first payment money and the dealership is threathning me that if i dont pay in full they will come with the police to take the car is this right? i cant afford an attorney i putted XXXX down for the car this is a nightmare for me and my family please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
At the end of XXXX, 2015, my XXXX son moved from our home XXXX. I gave him my AARP Chase credit card to use in case of emergency. It had about {$800.00}. credit left on a {$4800.00}. limit. In the next few months, my son used the card until it was almost {$2000.00}. over limit. Chase approved all these purchases. When I called and then wrote them to complain, they replied that the overages were my fault because I had given my son permission to use the card. They said the issue was between me and my son and that I owed all charges and interest. I think that I made a bad decision in giving my son the card and I know that he acted irresponsibly. He and I are working through that situation. However, that is not the crux of the matter. I am questioning WHY Chase continually approved charges over my credit limit. At about this time, Chase had sent me information XXXX attached ) asking if I wanted to raise my credit limit. I never said yes. I believed that a limit meant a final boundary. XXXX My XXXX card emails me an alert when they reject a charge because I am too near to my limit. ) I am attaching XXXX letters I sent Chase which explain in detail my complaint and the reasoning behind it. I believe that what happened to me may be evidence of the existence of fraud against other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in a modification and currently making trial payments, however the bank is selling my house out from under me. I received a notification of a assignment of right to bid this week from the bank 's attorney that was filed in the XXXX XXXX courts system on XXXX. I just paid my XXXX payment and the bank is still pursuing a foreclosure sale. further research in the court system shows a pending sale with a closed bid on my property. this is dual tracking and illegal. I have proven that I can pay my mortgage and the bank has given me a payment plan that I am abiding by and they are accepting my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been working with Chase Bank, since XXXX 2015, in procuring a new mortgage for my home. My mortgage is currently with XXXX XXXX XXXX. My closing was targeted for XXXX XXXX, 2015, and the loan amount is {$100000.00}. It is now XXXX XXXX, and they continue to delay a YES or NO answer to me in regards to the Mortgage. In addition, they continue to contact XXXX for " payoff balances '' at a cost of {$30.00} each time, and my total due now is {$120.00}. They continue to advise they escalating the mortgage to their manager, which takes XXXX days, vs one week Underwriters, however, I do not receive a response, other than people are business, and they can not push their Underwriters. I have sent numerous emails to Chase, asking for the status on a YES or NO answer, and they continue to provide a run around, and continue to give me excuses which does not calculate to the real reason. All I am requesting is a YES or NO answer. I do feel Banks as Chase, give Banks a bad name, and adds to the reason why customers do not trust banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Chase Loan # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXAuthorization was faxed to Chase 3 times - XXXX XXXX, XXXX XXXX and XXXX XXXX. The representative we spoke to today said they ( Chase XXXX still has not sent the authorization to be validated. They can not give a time frame as to when this will be completed. This loan was supposed to have been reconveyed and it seems Chase does n't feel they have any obligation to provide a paper trail as to where the loan is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, someone attempted to open an account with Wells Fargo using my personal information. The bank declined the application as they could not properly identify me with the information provided. Wells Fargo reported the hard pull to XXXX on XX/XX/XXXX. I contacted Wells Fargo, and they are investigating the situation. I have also, contacted the three reporting agencies as of today and placed freeze on all accounts. I'm not sure what else I need to do to protect my personal information or correct this fraudulent act from happening again. Please let me know, if I need to get a police report as I'm not sure if that is necessary. I do not have any accounts with Wells Fargo at this time and would like any fraudulent pulls removed from all of the reporting agencies that may have been affected. 

Thank you,

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 2016-07-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Chase Bank charged interest on my XXXX XXXX, XXXX statement. My starting balance for this period was {$3000.00}, my payments made during this duration totaled {$3100.00} for a payment that was in excess of the starting balance. I was charged interest of {$30.00} on XXXX XXXX for the statement period in which I paid over and above my balance. 

I contacted Chase on this matter and was told that they practice " Two Cycle Billing '' by XXXX different agents ( XXXX & XXXX ). I explained to them that there was already an interest charge on the prior statement for the ~ {$100.00} shortage in payment on my end but that I had paid in full for this statement period. XXXX agents proceeded to describe their double cycle billing and informed me that this was Chase ' policy to charge interest for two billing cycles when there is a month in which the entire balance is unpaid. They described this as a " loss of grace period ''. 
Per my reading of the CARD Act of XXXX, this is prohibited ( FTC link to CARD Act below ). I spoke with a manager ( XXXX ) at Chase and informed him of the provisions in the CARD Act prohibiting Double Cycle Billing, he silently agreed and promptly removed the interest charge from my account. 

Link to CARD Act : XXXX

Company response to consumer: Closed with explanation