BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
While trying to make a second payment in the month of XXXX by phone the payment wasn't accepted, I tried to make the payment on 3 different days in XXXX, but it continued to be declined. I contacted customer service and they tried to pay it and couldn't. I was eventually told that only one payment can be made in a billing period, however I explained to them that I have made more than one payment numerous times during a billing period, they didn't offer any explanation.

Also I waited for my next billing period and tried to pay {$3000.00} on my credit card and again the payment was declined, the reason given to me is that I can make only the minimum payment which is {$100.00} and once I paid this amount no other payments will be accepted until the next billing cycle. 
Wells Fargo is holding consumers accounts XXXX in order to capitalized on interest rates. 
Regards XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It has been a whole year and no relief so my issue is with XXXX, Equifax, and XXXX with their reporting of a loan company, XXXX XXXX XXXX, in which each reports a 30 day late when in actuality I used their app to close the account in XXXX of 2022. I have proof that their app was not working properly but I didn't catch it until XXXX because I noticed a XXXX charge. I will attach the email where an agent of XXXX XXXX XXXX talks about the app and guides me through the cancelation process. This was their error, not mine. I reject and am offended by Equifax, XXXX, and XXXX reporting this misinformation. This seems deliberate and is hindering my rights to fair credit while I am currently seeking a mortgage and other credit. XXXX XXXX XXXX has been compensated. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and Equifax, XXXX, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. This is a blatant violation of my rights to fair credit and it is overwhelming. I am tired of being denied credit and having my rights violated. As a XXXX  and a consumer, I should be treated fairly, as should anyone any consumer any American.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is to express my extreme frustration and indignation at the persistent and utterly unacceptable inaccuracies in the reporting of my credit history. It has come to my attention that your bureau is erroneously reporting late payments on my account, despite the fact that all payments were made in a timely manner. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am astounded and infuriated by your blatant failure to accurately reflect my credit history. The late payment information reported by your bureau is unequivocally false and damaging to my financial standing. 
Cease the erroneous reporting of late payments on my account. The payments were made on time, and there is no justification for tarnishing my credit history with such inaccuracies. The negligent reporting of late payments on my account is not only damaging to my creditworthiness but also a direct violation of the Fair Credit Reporting Act ( FCRA ). I am appalled at the lack of attention to detail and accuracy demonstrated by your agency.

Company response to consumer: In progress
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 account # 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX  Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXXXXXX XXXX XXXX - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 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 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 response to consumer: In progress
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: In progress
Consumer complaint received 2024-01-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has been about XXXX months since I have sent wells fargo a debt validation notice to which they have not responded with any of the items that I have requested in order for me to verify the debt. They continue to harm my reputation without providing evidence of such debt. This violates the fair debt collection practice act. I requested them to send me both 1. ) A copy of the contract bearing my signature. 2. ) All billing statements regarding the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received an unsolicited text message from XXXX which stated, " Capio Partners, a Debt Collector : We recently sent a letter about acct XXXX. Call XXXX or visit https : XXXX to optout txt STOP. '' I have no knowledge of this company and I do not have a contract of any kind to do business with them. I feel threatened by this action of some stranger contacting me regarding I debt that I don't owe and telling me to pay them. I did not give this company permission to contact me and They have no permissible purpose to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
We believe that we were tricked into obtaining a Chase mortgage to purchase our home in XX/XX/ XXXX Chase advertised a " 21-day Closing Guarantee '' on its website promising to pay new home buyers {$20000.00} if closing does not occur within three weeks of the mortgage application. We completed our application on XX/XX/. They sent us a rejection letter claiming we closed 18 days after XX/XX/XXXX but we closed 26 days ( XX/XX/XXXX ) and that they needed 3 days after a Chase approved inspection. Our home inspection was on XX/XX/XXXX ( 25 days before we closed ). We were never asked about an inspection or notified if our inspection was " approved or not approved ''. The two excuses are inaccurate and not correct. They have given us about 5 different excuses now through emails and through our rejection letter that are all Chases fault. They are lying and not being honest. We have all the emails and documentation to prove that it was Chase 's fault for our delay in not closing within 21 days. We believe they are falsely advertising this guarantee. I would be very curious if Chase has even paid anyone for the " Closing guarantee ''. Chase has made up a lot of excuses as to why they won't pay us.

We had a lawyer send a demand letter and Chase sent a rejection letter to us, which is how we found out the information above. The two excuses in our rejection letter were false and not accurate. Chase is refusing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: U.S. BANCORP
State: WA
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:
There are unauthorized inquiries on my report

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 2023-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo was caught on numerous occasions reordering my account in order to incur overdraft fees and as of recently I have called and complained that I am having a financial crisis ; however, instead of rejecting payment, they are allowing them to process and charging me overdraft fees. I told them that the amount of fees that they want me to pay back on my account is enough to pay all my back bills and that I want my money returned in which they are refusing. Over {$1000.00} was charged in overdraft fees to me as of today from 2020.

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 2024-01-11
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Disappointed in card practices. This is 2nd time Dillards has done this. 1st time I had fraudulent charges and closed the account. Then, I was caring for my mother in Kentucky who I just put in a XXXX XXXX  and bought her new sweaters and opened up a new account with Dillards since I will be up there more.. I set up the payment on XX/XX/ with my bank XXXX XXXX with a due date of XX/XX/. Dillards claims it was not received until XX/XX/23. My banks and documents I sent show Dillards recd it on XX/XX/ not XXXX like they said. They are liars and will do anything to charge a fee. I paid it in fear they will just keep adding fees even if I challenge it and requested the account be closed. Now they will not close the account or place in writing they will. My payment confirmation # is XXXX. This is horrible way to treat customers and I expect my money reimbursed because XXXX said I had to pay it then make complaint but they will not close the account. I dont know what to do but someone should know this is the treatment people get with this entity. Its sad cause Dillards is one of my favorite stores.

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 2024-01-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX is fraudulently charging me {$2400.00} for a hotel reservation that On the XXXXXXXX has no record of. XXXX  lied and told Wells Fargo that I cancelled the reservation, and told me that I used the reservation, however neither is true because On the XXXX had no record that I had a reservation to begin with. It is in fact a duplicate fraudulent charge for a XXXX bill already paid to XXXX XXXX 

Additionally, XXXX suggested that I file a dispute with XXXX or Wells Fargo because XXXX cant help me with the fraudulent charge from the travel agency because it has nothing to do with my actual stay. 

On XX/XX/XXXX XXXX  XXXX  refused to give me the room type I booked, a suite with two separate beds for me and my adult son in XXXX XXXX ( XXXX XXXX ). They overcharged me for a suite but gave me a much smaller room with one bed only and no bed for my adult son. I immediately submitted an on-line request ( which is allowed according to their policy as stated on their website ) for them to fix their error which they denied receiving but admitted through XXXX chat. 

I contacted On the XXXX  on XX/XX/XXXX ( to fix the reservation ) and they told me on XX/XX/XXXX that there was no reservation from XXXX  so I made a reservation for the same hotel and dates with XXXX ( which I paid ) otherwise I would have had to cancel my 14 day trip ( I had already booked plane tickets for XXXX leaving from XXXX on XX/XX/XXXX and we would have had no place to stay in XXXX ) XXXX 

I filed a dispute with Wells Fargo and XXXX  told Wells Fargo that I cancelled the reservation and then they contradicted themselves and told me I used the reservation, neither of which is true, as XXXX XXXX XXXX told me I had no reservation to begin with. Additionally, XXXX suggested that I file a dispute with XXXX or Wells Fargo because XXXX cant help me with the fraudulent charge from the travel agency because it has nothing to do with my stay. To add insult to injury Wells Fargo instead of helping me is charging me finance fees on this fraudulent charge which I have not paid.

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 2023-11-30
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were fully forgiven under XXXX in XXXX of 2023. I have all of the documentation and forgiveness letter to confirm this. A few months after being forgiven, I received two checks in the mail, in identical amounts. I found this odd, so I called Mohela, my servicer, and they said they accidentally sent out duplicate refund checks to thousands of PSLF recipients. They told me to keep one check and to return the other, so I did. Then, I noticed a few weeks later my Mohela account, which had been listed as " Forgiven under PSLF '' with NO balance since XXXX, suddenly showed my full loan balance and showed I owed money again. I was absolutely shocked an in hysterics that my loans were somehow reinstated without my permission or even any notice being given to me. This is HIGHLY ILLEGAL. So, I reached out to Mohela for the past several months in an attempt to resolve this issue. I have filed complaints, I have had supervisors " looking into it '' and several different case numbers open. Nothing has been resolved. And, my account went from being XXXXXXXX XXXXt to showing them owing me money to now showing I am in repayment. On XX/XX/2023 I received an email from Mohela saying " congratulations your loans are being forgiven under PSLF '' and that I would be getting a refund in the mail, again, which makes no sense because they were forgiven in XXXX of 2023. Then today I get an email saying I have a payment due in XXXX and my account shows I am in repayment with my original loan balance pre-covid, and no PSLF listed anywhere. I am completely at my wits end and I want my loan closed out completely. I have all documentation to prove this and am so upset I am considering legal aid. Please help resolve this once and for all. I have submitted 18 emails to Mohela and have had hours upon hours of phone calls with no help, no resolve, and I'm afraid my credit will report that this loan that I don't owe is back. I can supply every email I have ever sent Mohela if needed, however they are all readily available on their website as well. Please resolve this as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: MOHELA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2023 I contacted Mohela to ask about my account balance, SAVE plan, and loan repayment. I was informed that my account was in the process of being updated and that no payments would be due for the months of XXXX through XXXX. I had already made my XXXX payment and inquired about a refund. The representative said I was absolutely entitled to a refund and placed a request ( Request # XXXX ). 

I called today and asked about the status of my refund. I was informed the request was canceled because the refund would make my account delinquent and that no refunds were allowed to be given from payments made before my loans were consolidated. I requested to speak with a supervisor to assist with the situation and was placed on hold for 2 hours. I gave up holding when business hours ended as I assumed my call would not be resumed after the office was closed. 

The consolidation was applied for in XXXX and wasn't completed until XXXX. Their delay in processing was the reason the payment was made before loan consolidation. Additionally, I did not receive notice of my account being in forbearance until after the payment was made. If I was informed of my account status I would not have made the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief