BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage and did a loan modification. There were issues and we were not allowed to make monthly payments-Wells Fargo would only accept the full amount dueso we got further and further behind. Foreclosure process was going to be started so we had to sell the house- no other option. WellsFargo would not work with us at all. I do not have the loan number as this was 2019.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
the charged me too many overdraft fees for many years they will hold my pay check on purpose so that i fell negative on my balance they managed to pay some transactions while been low on funds to charge me XXXX for overdraft fees ( my pay check deposited been on hold ) also and they open bank accounts i never requested all this happened in the last 30 years i ve been a wells fargo client ....

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 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Name is XXXX XXXX I Have an checking account at Captial One 360 account number is XXXX had been frozen due to a {$100.00} XXXX payment that XXXX XXXX send me there is currently {$750.00} which they won't give access to because he report the XXXX payments of which done on XXXX XXXX, {$10.00}, XX/XX/XXXX, {$30.00} and XX/XX/XXXX, {$60.00} as fraud this been going on for over XXXX months i would like to have my money back everytime i call the protection number at capital one they give the same excuse we can't give a time as to when will be settled which there Investigation will be done and my money released

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX routinely checked my business account and see wire transfer. I immediately called Chase Fraud Division to report the XXXX that I never wire transfer and not to wire transfer. They ignored my instructions and wire transferred {$9800.00} to XXXX XXXX and then on XXXX once again wired to XXXX XXXX XXXX to a XXXX XXXX {$13000.00}. They fully acknowledged my calling them as they have it recorded. The funds came out of my Chase business account # XXXX. The investigation for the {$9800.00} is XXXX. The investigation into the {$13000.00} us XXXX. Now since this all began I have been told that there is no record of this matter ; no recording ; no claims filed and I have often been brought to tears. Finally I was told that Chase has requested the money from the receiving banks but they refuse to release it because the person who was supposed to get my money won't agree to return it! At this point I withdrew all of my accounts, everything they had of mine. I have repeatedly called and lied to -- they simply don't care. FYI my husband XXXX  on XXXX from XXXX XXXX XXXX XXXX Unbeknownst to me he cancelled everything we had. He left me XXXX  to live on so therefor at XXXX XXXX XXXX soon to be XXXX I work full-time as a realtor ; that is the only way to survive. For sure U can not live on his XXXX  of {$2200.00} a month. The {$23000.00} that Chase has stolen from me us a huge amount. Also in the way they have mistreated me. Every single phone call I am lied to ; and they refuse to take responsibility for what they did when I instructed them not to. Please, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had terrible experience with Wells Fargo back in 2014. I was always charged with overdraft fees when I know I was never in the 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 2023-09-03
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-04
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened my work email on XX/XX/22 and discovered 4 emails stating I had opened an online banking account with Bank of America - 1 ) to varify my email 2 ) online application is in progress 3 ) Your application was approved 4 ) Welcome to Online and Mobile Banking No monies were exchanged at this time. I do not have an account with Bank of America

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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Not my items

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 2023-01-19
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank closed all three of my accounts starting with my savings account. They sent me this email stating that it will be closed. They said I violated something but Im not exactly what it was. They gave me a number at the bottom of the email that I could call Ive called multiple times and everyone keeps saying the same thing that I have to wait. There is no explanation and then they just hang up the phone, maybe Ill get a letter in 60 days not sure they also say that I might get my money back if I am entitled to it I just have to wait. I have bills that need to be paid that I cant pay because I dont have access to my money they didnt only close my account. They also close my mom 's account with no explanation as well. They close the checking account that I normally get paid in. My boss even paid me on XX/XX/XXXX from XXXX I have proof from XXXX stating that they did not send the money back to XXXX so my boss is out as well. she doesnt have the money and that was on XX/XX/XXXX And today is XX/XX/XXXX and my account was closed on XX/XX/2022. I need help because I need access to my savings. I have two savings account accounts with Citibank and one checking which all have funds in there and I cant access them, and I have bills to pay and I need that money to pay rent. I need that money to pay the light bill and he got money to buy food and put gas in my car to get to work. I cant wait any more days for them I was also told not to go to any branches to get it resolved because I would get the same response that everybody has been giving me over the phone. What is it states in the email that if I wan na get my money sooner I should call or go to a branch but so far they have not

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 2023-09-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Today XXXX I went to Wells Fargo due to them closing and account that they supposedly had already opened. I went to customer service physically with my lawful identifications but the lady just said that they don't want my service as reason for account being closed. Banker verified everything and no reason came back to them such as money owed, overdrafts, fraudulent activity. Nothing whatsoever. I really looked forward to getting wells fargo account because it is convenient and a national available bank. The banker just said if I tried to open an account it will just be closed. I am only XXXX XXXX XXXX and really looking forward to getting them as my preferred bank. Please help.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Gap loan. Didnt receive any payment after car was paid off

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 2022-03-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2022 around XXXX pm XXXX time I receive a text message some one try to use my card if i want to us my card l need to verify those transactions and my answer no i didn't authorize those so and then i receive a call from the number XXXX and answer this call was a male person he told me he call from server amex which is my card bank so he asking a lot question about my account end XXXX so after the conversation i did not was a fraudulent call so i was give my information social security driver license and password from my account email address and he say was cancelled my card and sending a new card but a never receive so Thursday morning l have another text message if i doing transfer for XXXX from my account to pick up in XXXX so i say no is no me so after couple minutes when i check my account i note less money so i try to call the bank o card services and my account was block and no money after when i call several times l call fraud department and they give me all the details about the Person pick up the money and transaction number is the Person name is XXXX XXXX transaction # XXXX and XXXX store number is XXXX XXXX XXXX XXXX XXXX XXXX Florida so this person is a robber identity theft he or she use my card fraudulent please help me to find this person to search and sending to jail for scam and fraudulent person and then i call the company Amex server for my money back and then they tell me that dispute was denied because l was authorize this transaction and case number # XXXX i have with me a evidence that l did not authorize this transaction text message from the company server they asking me if i approved and l was response no but they pay authorize the transaction l don't feel safe anymore money in this institution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan that was originally with XXXX XXXX was under {$1200.00}, when Wells fargo took over it, it went up to {$1300.00}. I called Wells Fargo many times and they would say it's because of taxes or escrow. I eventually tried to do a modification in order to offset the increase in payment, but had to take advantage of the pandemic payment pause instead. I can only guess that Wells Fargo took over the processing about XXXX, before house was sold.

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 2023-03-12
Company: Maury Cobb, Attorney at Law, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Switched to XXXX but I wasn't able to transfer our phones to their service so I cancelled. Never activated the sim cards or opened the XXXX  watch. I sent back their sim cards and the brand new watch within their cancellation period. Was told that we wouldnt owe anything and I have a voice recording of it. They told me to ignore future bills because they said it was resolved and now they are sending me to collections for a service I never used. Talked to them multiple times but here we are. Hurting my credit because they cant do their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I don't remember exactly dates, I had an account during the time in question of XXXX and had many overdraft fees charged among disputes that weren't received.

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 2022-07-21
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to cancel my PMI as it states after 2 years it automatically cancels in my contract. I have tried to reach out by phone and email to my service provider the answer I get since XXXX is instructions will be sent in 10 business days it is now XXXX my PMI is {$280.00}. Every month they delay places me in financial hardship. I received a letter stating Im not able to remove PMI with no explanation and Ive never submitted the application for review so Im not sure how it was denied. I am current on my payments. The loan has been more than 2 years from XX/XX/2020. This is one of the worse lenders I have dealt with I started having problems since they took my loan over. They also miss calculated my taxes causing problems with my monthly payment and account. They sent a check to me that should have gone to my taxes they told me to make payment directly from check that was sent so I did but then they sent a payment on there end and said my account was negative for escrow and taxes. Then i had to call property tax and they sent they sent them a refund that never showed in my account. Please help Im not new to owning a home and I have never had such bad experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried to work with Navient regarding my defaulted student loans for the past 2 + years. I have submitted for a Income-Driven/Based Repayment Plan ( IBR ) and was rejected for a lowering on my loans like the Department of Education had done in the past as the decision was only based on income and not on any of my bills that I must pay monthly. I have asked repeatedly to have this process reworked only to hear no and just a continuation of billing for an amount I can not pay! The last time I requested this was in XX/XX/2018 & was informed on XX/XX/2018 that " Our records confirm that your IBR request was denied on XX/XX/2018 because your financial circumstances do not meet the federal definition of " partial financial hardship '' required for enrolment in the IBR Plan. '' They have offered a reduction in payment to {$71.00} for 24 months which is still outside the amounts I can financially afford. And with everything increasing in cost and employers not offering much in wage increase only causes more financial & mental distress to the point I can not even think clearly at work!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX loan was opened in XXXX my credit reports list the loan was acquired in XXXX. I finished XXXX XX/XX/XXXX. All XXXX agencies keep replying that the information is correct. It is Not

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