BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On the XX/XX/XXXX, we noticed a large drop in our balance on our business checking account with Wells Fargo. After going through numerous transactions online, we noticed two business to business ach mobile payments to XXXX XXXX listing an unknown person. 
On XX/XX/XXXX. The first was for {$5500.00} and the other was for {$3600.00}. These fraudulent charges totaling {$9100.00}. We called and submitted a claim. We called back in at a latter date to check status and was told that the funds would be deposited back into our account on XX/XX/XXXX. I called another day to check status the representation said that she would put in a request to expedite the funds being returned. 
Then, I called back yesterday XX/XX/XXXX, XXXX and was told be another representative that our company 's funds will not be returned to us. I asked for a supervisor... she said she would submit a request to the escalation team. I spoke to him and he said he would escalate to a higher escalation team and they would be contacting us with in 48 hours. We are a small business and we need our money to pay employees, customers, pay bills etc. I stayed on the phone until late last evening trying to get the funds restore but was unsuccessful. We I got home and retrieved the mail there was a letter from Wells Fargo stating that they have completed their research of the inquiry about a {$9100.00} charge to our business account on XX/XX/XXXX. They stated that they were unable to reimburse us because too much time passed before we notified them on XX/XX/XXXX about the charge. They recommended that we contact the merchant XXXX XXXX to resolve the issue. Wells Fargo allowed a company to take {$9100.00} of our hard earned money and refuses to give it back. They acknowledged that we did not authorize it but they are not willing to reimburse us. This is not a small amount and has a large impact on our business. I reached out to XXXX XXXX and spoke to a representative named XXXX and he stated to have the bank send them to sent them and Unauthorized Affidavit of Unauthorized Activity, Copy of all statements and/or checks/ach showing the unauthorized checks/ach, Send a letter on bank letterhead explaining the error/fraud and mail to XXXX  XXXX, Fraud Support XXXX XXXX XXXX, XXXX Virginia XXXX and two weeks from date affidavit received, we will receive our funds back. I called Wells Fargo Small Business Fraud Dept back and gave them this information. They said they notated the account but we would have to now wait for the investigators to contact us within the next 48 hours. This is theft! We work hard for our money and the right thing to do is give it back. This is very stressful!

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 2023-12-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2024-02-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
In early XXXX, maybe around the XXXX or XXXX, I received a new credit card from the Home Depot in the mail. I thought it odd I got a new card. Upon further inspection, I noticed that the new card had a different account number than my original card. I went online to check my account and noticed new charges that I did not make. I disputed the charges online. Then more charges occurred so I reached out by phone to discuss the issue with Home Depot customer support. After talking with one of their security representatives, I found out that charges had been made on my actual account and disputed those. Additionally, this new account had been opened in my name without my knowledge and was being charged as well. I was told that the accounts would both be closed and investigated. The charges on my original account were reversed. However, on XX/XX/XXXX, I received a letter from Home Depot saying that the new account was determined to be my responsibility and I would need to pay those charges. I intend to file an appeal. I have frozen my credit and placed a fraud alert for one year on my credit as well. I also filed a police report about the suspected Identity Theft. However, I read that I should file a report with CFPB, especially now that Home Depot is attempting to hold me responsible for a credit card account that they allowed to be opened fraudulently using my personal information.

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 2024-02-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo Bank/Credit card I am not liable for this debt due to the fact that I do not have a contract with this company and they have been attacking my credit report which is illegal 42 USC 408 , 15 USC 1681 right to privacy states that they have to have written consent in order to post anything to my credit report I have sent in several notice of intent as well as notice of trespass they have not provided any information on a contract in wet ink signature of all parties

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 2024-02-05
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had asked Sunrise to stop contacting me about a debt that is not for me. They still continued to contact me.

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 2024-02-01
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/year> at XXXXXXXX XXXX., I went into Wells Fargo branch location at XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, for an appointment with the sole purpose of having my existing checking and savings accounts transferred into my relatively recently established Revocable Trust, as a part of my personal estate planning. I provided the personal banker ( as his manager provided oversight ) with my entire Declaration of Trust document and the Employee Identification Number ( established specifically for the Trust ) provided to me by the Internal Revenue Service. The WellsFargo representative made copies of all of my documents, processed the changes in their system and provided me with receipts of the change being made to the three of my accounts that were to be placed in the name of the Trust. On today ( XX/XX/year> ) I received a call from the same Wells Fargo branch representative advising me that the changes were rejected from corporate due to the EIN not being listed in my Revocable Trust. I advised/explained that you can't get an EIN for a Revocable Trust UNTIL the Revocable Trust is executed and you declare that the Revocable Trust has been executed when you request an EIN for the Trust. He insisted that this was the direction he had been given, which I disagreed with as I've had my checking and savings accounts at other financial institutions complete the same transaction without issue. I requested to speak to someone in corporate and was transferred to a WellsFargo representative with whom I filed a complaint regarding this matter and that case number is XXXX. It is known that Wells Fargo has a history of unscrupulous business practices when it comes to people of XXXX, of which I am a part of. People create Trust everyday and transfer their assets into them daily so this additional request makes no sense. But the kicker in the conversation with the personal representative was at the end of the conversation he advised me that this required amending of my existing personal Revocable Trust to include the EIN in the Trust document had to be completed asap or my existing personal checking and savings accounts would be closed. This further infuriated me as i've been an account holder with this financial institution for 20+ years and again none of what the representative state as a requirement made any sense. The personal banker subsequently advised that he/his manager would be filing a complaint with corporate on my behalf but that didn't make sense either and don't trust their internal checks/protocal/oversight given their recent history and settlements.

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 2024-02-04
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, FL XXXX You have to call or go into the store to cancel your internet-TV service. You can't email them or go to the website to do it but you can activate a new account that way. That in itself should be changed. So I cancelled my service on XX/XX/XXXX via a phone call to customer service. It showed cancelled in the billing on XXXX on their account page. Then somehow was reactivated on XXXX after I sent all the equipment back via XXXX then next day XXXX. I called and cancelled again in XXXX and he said the account wasn't showing cancelled, SO again I cancelled it. I received another bill, and called again and was told to ignore it as it wasn't showing the credit of the equipment yet. Then on XX/XX/XXXX I posted to the billing support group who advised me to go to the chat feature about it and no result. 
Months later I started receiving collection calls, This is all for {$100.00} and as I told them during the 3 calls I made to XXXX  I am not about to pay for something I didn't even have access to as I had returned the equipment and had no access to the service after XXXX. 
Now another collection agent Easter Account System of Connecticut is trying to again collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear TransferWise Support Team, I hope this message finds you well. I am writing to you with utmost sincerity and a strong desire to resolve any concerns that may have led to the closure of my TransferWise account. 

I recently received notification that my account has been closed, and I understand the importance of complying with TransferWise policies. I deeply value the services provided by TransferWise and wish to rectify any issues that may have contributed to this decision. 

I work as a XXXX providing services to multiple clients, and my TransferWise account plays a crucial role in managing my financial transactions efficiently. Being a XXXX, timely and reliable access to my funds is vital for both personal and professional reasons. 

I kindly request you reconsider the closure of my account, and I am committed to addressing any concerns or rectifying any issues that may have led to this decision. I understand the importance of security and compliance, and I assure you that I am fully committed to adhering to TransferWise 's policies and guidelines. 

If there are specific reasons for the account closure, I would appreciate detailed information or guidance on how I can rectify the situation. I am more than willing to provide any necessary documentation or information to verify the legitimacy of my activities and transactions.

I sincerely hope for the opportunity to continue using TransferWise for my financial needs and believe that, together, we can find a resolution that ensures compliance with policies while allowing me to benefit from the services your platform provides.

Thank you for considering my appeal. I am looking forward to your prompt response and guidance on the steps required to reactivate my account. 

Best regards, 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 2024-02-03
Company: U.S. BANCORP
State: FL
Product: Credit reporting 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:
Hi! 

A Company named XXXX XXXX, from Delaware, made a hard credit inquiry on my XXXX, and perhaps other as well, credit report. This happened on either XX/XX/XXXX or XX/XX/XXXX. I don't know this company nor I haven't asked for any loan or credit card with them. I am concerned this may be a fraud attempt. I've been forced to waste a lot of time on calls ( called XXXX XXXX XXXX several times with no result ) and emails. 

Parallel to this, on XX/XX/XXXX, ANOTHER company I know nothing about, US Bancorp, made another inquiry on my credit score. This one happened at least on XXXX, perhaps other reports as well. Same situation, I haven't asked any financial product there and I am concerned this may be a fraud attempt. In this case I had no information on how to contact them so I haven't written nor called.

Would appreciate a lot your help on this, finding out what happened, prosecuting these two companies and fixing this information in all three of my credit reports ( at least XXXX XXXX, XXXX ) as these companies are violating my rights and damaging me. Also, if possible, would appreciate some email or evidence supporting that I'm making this claim. 

I only have screenshots of XXXX XXXX / XXXX  showing this credit inquiries, will provide as needed. 

Thank you so much and kind regards

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 2024-02-02
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2024 I called Ability Recovery Services LLC. XXXX answered the phone very pleasant at first. I informed him what I was trying to do with a payment plan and he stated that I need to ask family or friends for some money and to call back with a reasonable payment plan and just hung up the phone. so I called back again and the phone got disconnected called back a third time and asked for a supervisor. They stated that they still had to connect me to XXXX but just ask for a supervisor. When I did that all XXXX broke out. He stated I was wasting his time and what part do I not understand. I stated this is being recorded right? and all I want to do is talk with a supervisor. He then hangs up the phone.

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 2024-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/year> I transferred {$3000.00} from my XXXX credit card to Wells Fargo credit card. The balance transfer went through but the {$3000.00} is also still showing up on my XXXX card. Have called both companies multiple times each month with the same answer. 

Wells Fargo has told me that the money got sent to XXXX ( confirmation of balance transfer : XXXX ). Trace number XXXX. 

XXXX still says they dont have any record of a balance transfer despite Wells Fargo saying the money was sent to the correct card ( after verifying the card number multiple times ).

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 2024-02-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hello, I noticed {$58.00} and {$48.00} being taken out of my Wells Fargo bank on a monthly basis, since XX/XX/2023. I thought the withdrawals were going to my health insurance XXXX XXXX plan but when I called XXXX them they said it wasn't them. The XXXX was going to a fake XXXX loyalty plan and the {$48.00} was going to some life insurance, Called XXXX, that I didn't sign up for. When I Explained this to my financial institute Wells fargo, roughly a week ago, they did some research then refunded a portion of the money and then stated they can not refund any more money because they cant get anymore from the group that stole my money. THIS DOES NOT MAKE SENSE TO ME. I thought FDIC covers you if you are found to be a victim of fraud. They honored some of the money so it is obvious to me that I am right and some one took my money under their watch. Can you help me?

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 2024-01-30
Company: U.S. BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
My name is XXXX XXXX, ive XXXX a XXXX XXXX XXXX customer since XXXX. I went to US bank ( check was drawn from US BANK ) in XXXX Illinois on XX/XX/XXXX " with a positive pay '' check ( {$4300.00} ) from XXXX XXXX XXXX XXXX and It was required to be verified before cashing. So since the check had usbank on it i decided to go there to avoid check cashing fees. The teller attempted to cash the check beforeverification ( FIRST MISTAKE ) which kicked the check out as fraud. She then called to get the verification code ( SECOND MISTAKE ) which they provided her with which allowed the bank ( usbank ) to be paid. She then attempted to cashed the check a second time ( THIRD MISTAKE, IM OUT! ) which came back as fraud again. There was nothing she could do therefore I left usbank ( without my {$4300.00} ) and with check in hand, called my issuing bank XXXX XXXX XXXX XXXX XXXX to void the check. Long story short the check couldn't be voided due to usbank was provided the authorization code which entitled them to the funds. Well ( usbank ) did receive the funds on the XXXX of XXXX and told me they returned it on the XXXX, since I was not their customer. Well as of today, XX/XX/XXXX, my issuing bank XXXX XXXX XXXX XXXX says nothing was returned to them. l 've been to usbank several times since the XXXX, I even went to a different US bank branch thinking that the original location was trying to cover their mistakes. I also called XXXX several times and i also have a recordingof the supervisor stating " US BANK have the funds, and this was on the XXXX of XXXX. I've done nothing wrong. Im a working single mother of XXXX children. Those funds were a loan from my XXXX tax refund and my family are in dire need. We are facing a Eviction at the end of XXXX due to this mishap. Please look into this matter as to I don't know what to do or where to turn.

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 2024-01-30
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NE
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Charged upfront or unexpected fees

Complaint:
On XXXX, I entered into an agreement with XXXX XXXX XXXX to help me with debt consolidation for some of my credit cards. The first payment was made to them on XXXX for {$100.00} via automatic withdrawal from my bank account to Global Holdings LLC. Every 2 weeks thereafter, I paid {$93.00} until XXXX when my income dropped substantially, and I changed the withdrawal amount to {$50.00}. In XXXX, I had suspended the automatic withdrawal as I had medical expenses to take care of. I resumed the automatic withdrawal on XXXX for the amount of {$70.00}. I made 3 payments every 2 weeks and on XXXX I lost my job and had to suspend the payments again. I had to keep calling them to continue to suspend the payments due to lack of any income. 
On XXXX, I called to ask them about my accounts, how much I had paid in, and how much had been paid to my creditors. I was told that I had paid in a total of {$1000.00} and of that they had only paid XXXX XXXX {$50.00} and XXXX {$35.00}. The rest was in fees. I requested to speak to a manager and closed my account. The next day, I called and requested all of the information on my account, such as correspondence with my creditors and what they had been doing with all the rest of my money. Totaling {$990.00}. They refused to give me that. The following day XXXX, a manager named XXXX called me and tried to talk to me and wanted to explain things. I told him there was nothing to talk about and hung up. Later that day, I received an email from XXXX stating that due to the unfortunate circumstances they were going to refund me {$400.00} which he said was mailed on XXXX but I have yet to receive. That still does not explain what they did with the rest of the money totaling {$580.00}. They have mismanaged my money and I think they owe me more than {$400.00} after all of that time and only paying my creditors {$85.00}. They did in the past email on occasion to say that they were working with my other creditors, but I have seen no proof of that other than them saying so. I am asking for some help trying to resolve this matter please. Thank you for your time and consideration on this matter. 

Regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation