BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-08
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a form 1099 today from Wells Fargo, they reported an amount of {$5100.00} ... I believe this amount is from a check which was not received and appears to have been intercepted by a third party, signature forged. A separate CFPB complaint number, XXXX, is currently on file in regard to loss of this check as well as amount of it which appears to have been low-balled. The offer amount, {$3700.00}, is less than what other former Wells Fargo customers received with lesser damages than myself.. The amount, {$5100.00}, includes IRS taxes which Wells Fargo reported despite no funds received.. Further, I continue to sustain damages from accounts which were not authorized and opened in my name which includes unable to open accounts with other banks. I've been denied several times and most recently, a money market account also denied opening.. A letter was sent to me from Wells Fargo stating information was recently removed from a consumer reporting agency with regard to one of the  unauthorized accounts, this was supposedly done prior, it was not. This notice was received on Monday, XXXX. I spoke with XXXX in mediation the same day, explained the offer was low-balled and consumer information was not removed prior and have been unable to open accounts due to it. Further, I explained no check was received and it appears it was intercepted by a third party, signature forged and cashed in my name..He did not seem to want to move on the matter such as offering a renegotiation or any other type of compensation due to circumstances. He denied offer amount was low-balled, information reported which I have a letter stating otherwise. Also, he said the signature on check appeared to be mine but he is not a handwriting expert, then contradicted himself saying I signed and deposited it to a Wells Fargo account which I do not have.. Since he is not a handwriting expect he could not know I signed it which I did not and deposit it into any account.. The last account with Wells Fargo or any other bank was closed in XXXX or XXXX, I believe. I've been using a pre-paid account since and the deposit amount limit is $ XXXX..Needless to say, I could not have deposited the amount, {$5100.00}. Since XXXX appeared to be unwilling to move, I am circling back with the CFPB here and request Wells Fargo remove information reported to IRS on this 1099. I have field my XXXX taxes and will more than likely get a notice back from IRS stating there is an error due to this 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 explanation
Consumer complaint received 2018-08-27
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank account has been feed when my bank account is in the positive. Say I have XXXX and something comes in for XXXX and clears then the next day something will come in for XXXX they will charge me a fee for both, even though one debt from My account had the funds available. They hold all my deposits and excessive length of time. Somethings 14 days - totally ignoring Reg CC. This is not just on one account. I currently have had a hold on another account for 10 days and the check was cleared and paid to the 8 days ago. I am sick of the power abuse they use over my accounts when there is clearly money there and they have made it at time so my family has had to go with out food and gas to go to work due to their actions. I have started to move money to another bank but I still have some items that need to be paid from this account. I would like someone to audit my account XXXX and reimburse some of my fees that were taken from my account that should not have been. In addition. Who ever is the employee doing this needs to be fired. You cant just steal peoples money. The last 6 months I have had someone use all my debt cards from this bank- I have gotten to the point I understand that the fraud has to be internal within Wells Fargo XXXX I am just tired of. I can get a card and with a week there will be fraud.

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 2021-09-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Harris & Harris, Ltd.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called to pay an old debt on XX/XX/XXXX from an old bill I found from XXXX. I was unaware it was in collections and paid it through the company in which I owed, which was XXXX. I paid the debt on XX/XX/XXXX over the phone. I received an alert on XX/XX/XXXX that an XXXX makes Harris and Harris submitted an unpaid collection in the amount of XXXX for XXXX which I had already paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Revco Management, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Thursday, XX/XX/XXXX Revco Solutions XXXX started making phone calls to my cell phone at XXXX XX/XX/XXXX. By XXXX they had called three times. I received a bill from XXXX XXXX XXXX the week of XX/XX/2020. After further review of the bill I called and inquired why they had not submitted the billing through my insurance provider XXXX XXXX XXXX XXXX. The office stated it was their error and that they would in fact submit the billing and to disregard this bill until further notice. When I called back with my mother on the line XXXX from Revco Solutions stated that I owed the bill and how was I going to pay it today. I am a XXXX  XXXX and was taken back by her demand and rude demeanor. To call my cell phone several times and not know that XXXX was in fact handling was unnerving. To demand I pay the bill in full when not knowing the true amount is beyond unacceptable. During a global pandemic it would seem a debt collector would be not be able to harass in this manner. I am blessed with health insurance and can only imagine if faced with a {$200.00} and someone demanding to pay it today or get it placed on my credit report would add unnecessary stress. Revco and XXXX should be dealt with for future not as fortunate individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: AZ
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 have a couple of account that are not mine, I have reached out to them to have it removed as fraud. 
XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX, Have never done buisness with them, Completely Fraud. 
Inquiry From XXXX XXXX Not familiar with them. 
Inquires From XXXX XXXX XXXX The information is not matching, I have sent a validation letter to them more than 30 days and have not received any updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: MD
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:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX/XXXX  {$830.00} XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX {$14000.00} XXXX XXXX {$3000.00} XX/XX/XXXX 2016

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 2021-04-23
Company: Experian Information Solutions Inc.
State: PR
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:
The following accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
In XXXX XXXX California on XX/XX/2013, a previously unknown third party or person asked me to deposit a check in my checking account with XXXX  XXXX XXXX, he said that he has cashed his last allowed check at the XXXX XXXX XXXX XXXX XXXX XXXX, and that this was his last check and that he needed some money. I deposited it and the check did not cleared. It may have being stolen by that party from another, or altered in some manner in a way that I was unable to recognize. XXXX  XXXX XXXX frizzed my account they said for my protection, later on few days later they closed my account and reported me to Chex Systems ; and XXXX  XXXX that the account was closed for fraud activity ; intent to commit fraud ; fraud, or intent to transact in an illegal no allowed transaction in an an-authorized manner. This info has being on my reports for more than four years preventing me from open an account with another financial institution, personal or business, no even a savings account for my corporation ( XXXX XXXX , XXXX ) In many occasions I have disputed it, but XXXX XXXX XXXX, Chex Systems and XXXX  XXXX have refused to correct and remove the 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 explanation
Consumer complaint received 2019-03-19
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear CFPB I have auto and home insurance policy with XXXX XXXX XXXX. 
XXXX had underwritten this policy with XXXX XXXX. Recently they put me with other insurance by switching from XXXX. 

Here by I am attaching a letter from XXXX that I had received about my policy is being closed by XX/XX/2019. On XX/XX/XXXX XXXX has settled out my bill and paid me back my remaining balance from my early payment which is showed in my credit card bill in another attached file. 

Later they send me a new bill with remaining balance which I informed them as paid through before settlement as informed by XXXX XXXX XXXX. 

There is a clear issue running between two persons in XXXX. I never new about XXXX before until XXXX XXXX XXXX XXXX wrote my policy with them and had switched me from XXXX XXXX to new Insurance company. 

I also attached copy of emails that I wrote to XXXX about informing them that my bills were paid through XXXX XXXX XXXX and offer another chance to go over it about inquiring why an unpaid balance appears. I also offer them to talk with XXXX XXXX XXXX about that and requested to communicate with me twice. 

Following that XXXX never return back informing the bifurcation to me about the amount paid to them by me and the amount was returned by them. 
I was considered not paid while my credit card was on file for deduction and they did not charge me for that. 
And while asking XXXX XXXX XXXX through whom I was paying my Insurance bill with has informed me that all charges were settled out. 

With ignoring all those facts about me reaching out to resolve any standing issue, XXXX is just out of their way for collecting blindly without any details of what charges they are unpaid for. 
There is no details to resolve the issue with me and reached out to credit collectors because I am overly paid with their bills and they just think they can get some more last time again!!! 


While talking with credit collection services twice on XX/XX/XXXX through which XXXX is trying to collect money I was told that remaining balance might be from cancellation charges! XXXX I was never informed that by XXXX or XXXX but now by XXXX. When I informed that the bill was being taken care by XXXX XXXX XXXX XXXX, they even told me that the bill has come to them from corporate office and they do not talk to XXXX level showing their clear intention just to threat me about ruining my credit and debt collection. This is on recorded conversation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo XXXX # XXXX. 
On XX/XX/XXXX an unauthorized wire transfer for {$24000.00} was made out of my checking account. Wells Fargo contacted my wife and asked if we initiated the wire. We told them we did not and to not allow it to go through. I was assured it wouldn't be an issue. The following day I logged back into our account and the money was gone. We contact Wells Fargo and filled the claim listed above. They told us to give the fraud department 10 business days. After 10 days I received a letter from Wells Fargo saying our claim has been closed. I will provide a copy of the letter.

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 2018-03-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid 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:
I was traveling overseas in XXXX at the beginning of XXXX. I went to purchase a table at a nightclub called XXXX and was shown and agreed on a table for XXXX . I provided my credit card. When my time of the reservation came ( XXXX ) I went to the front desk to meet the host and was told that because I was only 1 person they did not want to give me the space that was originally agreed because they had other larger groups that needed the space. They told me I would be sitting in the bank corner of the club. I told them the new location was not acceptable to me, and if they didn't want to sit me where we agreed, to give me my card back and I would go buy a table at a different club. They said that they already had my card and I did not have a choice, that I was going to pay them either way. When I said I did not want that table and would not sign the receipt, I was surrounded by at least 5 bouncers, and was told that it would not end well for me if I did not sign the receipt. Since I was forced to sign, I signed the receipt as " FRAUD '' as I knew I would be calling the credit card company right after. I NEVER drank one sip of the alcohol, or sat at the table for 1 second. I called Chase right as I left the club to let them know what happened, and was told I had to wait 3 business days to file the dispute, which I did on XX/XX/XXXX. This was a classic bait and switch by the merchant, was 100 % fraud, and people need to be warned that Chase does not honor their fraud protection promise and everyone should look to get a card from a different issuer, like XXXX XXXX XXXX. Especially if you spend a lot of money. Other Banks will stand behind their guarantees for good customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been put on freeze with my funds in it and I am told to come in person at a branch to lift it. I am currently outside the country and need to access my funds to be able to do anything, but the bank will not give me any reasons for the restriction or accommodate my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax regarding a collections account that has yet to be removed from my credit file. Equifax informed me that they would do an investigation and I submitted documents supporting my stance on the matter. Equifax failed to notify me the status of said investigation, in addition they did not remove the negative information provided by the company reporting to them. The company name is XXXX XXXX XXXX and they have failed to provide proof with my signature on any consumer contracts yet they continue to report negative information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my mortgage. During the closure process the bank did not offer any forms to send any excess funds - either via mail or wire. After closing the bank notified that they would be sending me a check and referred me to an online PDF that I had to bring into a branch or fax to in order to change my address to the place where the excess funds were to be mailed. The process itself was manual and inordinately arduous as compared to the other processes that they have around managing one 's mortgage. At best this is a broken process. At the worst, this process is working exactly as intended, throwing up hurdles and introducing an inordinate amount of friction in order to delay customers getting their excess funds and thereby making some additional percentage of interest on the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have an existing auto loan with Westlake financial. I traded the vehicle on or around the XXXX of XX/XX/2018 and westlake has been calling for the payment due on XX/XX/2018. I stated to them when they called on the XXXX that I traded the vehicle and they have been calling every day 3 to 4 times a day asking for the payment. I have spoken to numerous people at this bank and they are really rude about this saying they have not received the payoff check yet so I gave them the dealership info and they said they can not call them. So I told them I have no control over that payment but they told me my acct is still active so I am responsible for the payment due. I had the finance manager call them and they still calling me harassing me. Please tell me I can sue them for this action.

Company response to consumer: Closed with explanation