BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo has charged me over 1200 in Overdrafts in just 3 months. They would charge overdrafts on pending items, when cash was deposited same day. They would then hold checks whenever they felt like it. Then they started calling me daily on paying overdrawn account because I refuse to pay it. They have overcharged me an excessive amount of fees and I got tired of it. Since leaving that bank I have not been charged any fees or overdrafts as i have had direct deposit. The amount in over drafts of XXXX on some low dollar amounts is ridiculous also you can not charge OD 's on pending items which they did again and again I kept all the screen shots and emails with them. Then they would call and harass 10-12 times a day excessively Wells Fargo can stop calling me 10 times a day regarding my overdrafts. To date I have been charged a little over 1200 in fees from Wells Fargo and you harass me for overdraft at XXXX. You already profited over 800 on my account and that is a rip off. I will be sending all of this to the CFPB and printed it all out for them so they can see the 20 calls a day and how Wells charges and made it difficult to do anything having so much money charged and the small items I was charged 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 2019-01-24
Company: AFNI 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:
They try to sent an collection notice to me but on on the purpose sent to the wrong address. and keeping telling me about that if I not pay for and it will be damage your credit so badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called Wells Fargo Home Mortgage to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what XXXX  and XXXX  ( XXXX XXXX ) and Wells Fargo app. 

Additionally, considering how fraudulent WF has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.

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 2022-02-10
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2017-07-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had a loan with  XXXX  now Navient since  XXXX . The original loan amount was {$10000.00} after some 13 years of payments I still owe {$8400.00}.  <P/> Loan Status Repayment Repayment Plan Full Principal and Interest - Ends   XX/XX/XXXX   Repayment Start Date   XX/XX/XXXX   Estimated Payoff Date   XX/XX/XXXX   Ready to pay off this loan today? Here are the amounts : Show more information about Loan Payoff Online {$8400.00} By  U.S.  Mail {$8400.00} Unpaid Principal {$8400.00} Current Balance {$8400.00} Interest Rate 14.250 % Interest rates on private loans are set by the lender.   Interest Type Variable School   XXXX   XXXX   XXXX   Lender NAVIENT Disbursement Date  XX/XX/XXXX   Original Principal {$10000.00} I need some help, these terms are awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I did not agree to loan terms. I was never contacted via phone for loan terms. The interest rate is shark-like. I 'm not even sure this is legal. Contract did not specify paying eve ry two w eeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2019-05-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian is reporting an account that is past the statue of limitations. The XXXX XXXX XXXX XXXX is old and should not be reporting.

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 2017-07-14
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The address that this company has listed as the address where the services were used, is an address that I have never lived at. I have been disputing with the credit bureaus about this as well.

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 2017-07-14
Company: Commonwealth Financial Systems, Inc.
State: IN
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:
Commonwealth Financial Systems, Inc received a letter called them and set-up payment arrangements starting in XXXX XXXX of {$50.00} a month then in XXXX XXXX I started paying them the {$50.00} from my bank account and {$130.00} from a card. I have agreement with them and Commonwealth is still saying I owe them money and I have the bank drafts and card statements to proof that they was taking the money and they should be paid in full actually they was overpaid according to the agreement we have. This is still on my credit report and I have emailed them the bank drafts and card statements to proof and they still refuse to fix it. The last time I talked to them on the phone a supervisor got nasty with and tried to tell me that I had made my payments when I had sent them the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX XXXX, XXXX, at XXXX XXXX, XXXX, ME XXXX, telephone number ( XXXX ) XXXX claims that I owe them {$370.00} for medical services that I received at Doctor 's Hospital in XXXX, Maryland. They claim the service date was XX/XX/16. My name is XXXX XXXX XXXX, patient account number is # XXXX. The provider 's name is XXXX XXXX. Back on XX/XX/XXXX, I contacted their office and I explained that I have Veteran 's health insurance which is my primary health insurance and XXXX which is my secondary health insurance therefore ; they would need to send the claim to the right one! They stated that they would take me to court. Now, this is the only provider that is claiming that he has not been paid. To my knowledge this debt has been paid or the claim was not sent to the right health insurance. So, I just received yesterday a letter from Schlee & Stillman , LLC, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. The telephone number XXXX. This company is claiming that they are the debt collections company trying to collect this alleged non paid debt. I contacted them yesterday by telephone to inform them of the matter and I was told I need to provide them with information over the telephone that I was not comfortable with providing. Moreover, the letter is dated XXXX XXXX XXXX, and it claims I only had 30 days to dispute the debt! But I just received the letter yesterday on XXXX XXXX XXXX. Therefore, this must be some type of scam or fraudulent company that I respectfully request that you use the law to arrest and prosecute them. If you need any additional information from me please let me know. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
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:
On XX/XX/2019 i became aware of some fraudulent accounts reporting on my credit report. i did not ever consent to any of these accounts ever being open nor have i ever filed for bankruptcy in my life.

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 2019-01-25
Company: Eagle Financial Services, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was taken to court by eagle loan I have a court agreed payment.i have been paying on this until XXXX XXXX  which is the attorney for eagle decided to refuse payment and saying I breeched the contract.this loan was for my husband and I and without warning they have refused payment and sent out a garnishment to my husband 's wages.i tried to speak to XXXX XXXX today but they don't care and stated a breech had occurred and I didn't send there 15 day notice back to them.i have never seen anything in my contact from the court about this.XXXX XXXX refuses to send me statements I have requested and the balance has gone from XXXX to XXXX I have been paying on bthis since last year and the balance keeps riseing.with the upcoming wage garnishment we can no longer afford the basic nessary things and have no choice but to claim bankruptcy and when I asked XXXX XXXX to please stop and let me continue paying they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2021-09-17
Company: EQUIFAX, INC.
State: CA
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:
MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT BECAUSE MY MORTGAGE IS NOT BEING REPORT TO THE CREDIT BUREAUS AND XXXX XXXX  STATED THEY HAVE BEEN REPORTING IT EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: CA
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:
MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT ON BEHALF OF MYSELF AND MY WIFE BECAUSE OUR MORTGAGE IS NOT REPORTING TO OUR CREDIT REPORTS. WE CONTACTED XXXX XXXX AND THEY SAID THEY REPORT EVERY MONTH SO IT MUST BE THE CREDIT BUREAUS AT FAULT.

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 2022-02-10
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regions bank regularly uses unfair accounting practices when direct deposits post at midnight usually they will run the outstanding debit charges first despite the pending deposit posting at the same time ; They will run the charges then count your deposit. It is unethical and almost criminal that they would do so, but it is clearly designed that way in order to incur NSF ( Non-Sufficient Funds ) charges on customer accounts. They have done say to the tune of over {$750.00} the past year despite my complaining and confronting them regarding this devious practice.

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 2017-07-14
Company: WESTERN MASS CREDIT CORP.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on XX/XX/XXXX a debt collector called me and was trying to collect on a debt from 4 years ago. The name was western mass credit. The guys name is XXXX. <P/>He states that I owe over 3700 dollars for a debt. I say well i never received a letter from you or anything. He said he just pulled my credit. I said ok .... He went on to state that I had the ability to pay for the debt because he could see a credit card that I recently had opened. He also went on to continue manipulating me and stating that he could give me a deal if i pay today. he said i see you were affiliated with the military  ( because of my financial institution ) and i am going to give you half off.. well he emailed me a copy of the debt!!! he manipulated me into paying the amount based off the credit card that I have and he also never said this is an attempt to collect a debt!! <P/>he abused me over the telephone and manipulated my credit to me in order to receive payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: NC
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have never done business with this bank and I have contacted them many times and they still don't fix the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
COINBASE. company name trades XXXX. Transfer {$250.00} FROM MY CREDIT CARD to trade XXXX. Transferring to them and trade coins has no problem. But you ca n't take money back from them. Its blocked in all possible way. No customer support Im trying to reach for 2 weeks. No reply. Cant take my money back. They made process hard to get out. Verifying my wire bank is a one of them. I do n't understand how can I verify my wire bank? They do n't explain. They simply not answering. they have all wire info from my ( chase ) bank. Nothing more you need to accomplish this task. Looking at the complains online I found similar problems with lots of people, and Im wondering how in the world they still there scamming people? Please take some steps to investigate this fraud. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to deposit a check by mail to Capital One. Capital One does not display a mail-in address for check deposit, so I googled and found and address. I mailed my check there. My check was properly endorsed and annotated with " for deposit only '' with my account number. Instead of depositing my check or calling me, Capital One returned the check to the originator ( not me! ). The originator, XXXX, deposited the check against my account with them, without any direction from me. 

The check in question was for {$1100.00}, deposited XX/XX/2021, number XXXX. 

My complaint is that Capital One is making it difficult, if not impossible to deposit checks by mail and that XXXX deposited monies against my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/XXXX of this year my unemployment agency had requested a card from relai card/ US bank services for me to receive my unemployment benefits on. Online it states that the card should be received within 3-5 business days. On the 6th business day I called the company because I have yet to receive my card they told me that it will take 10 business days due. I said okay well on the 11th business I still havent received my card so I gave them a call back. During this time they told me my card was in the mail.On XX/XX/XXXX I contacted the company again on this day they told me my card hasnt processed and that they would issue me out another card which would be expedited shipped and I should receive it within one to twXXXX business days. Every time I called I got a different answer and no one can tell me why my card hasnt even been shipped. It is now XX/XX/XXXX almost a month later and I still dont have my card. I have bills

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