BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received this email from Wells Fargo : Our records indicate that your Wells Fargo checking account XXXX that is linked to your Bill Pay service has been closed or is no longer available for use with Bill Pay. A Wells Fargo payment account ( checking account ) is required to maintain your Bill Pay service. 

Until you designate another checking account as your new payment account, we have canceled any pending payments and will suspend any automatic ( recurring ) payments that have been scheduled. 

If this was the only checking account linked to your Bill Pay service, please contact us at XXXX. 

If this is not the only checking account linked to your Bill Pay service, please sign on at https : //www.wellsfargo.com to select a new payment account and reschedule your payments. 

If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on at https : //www.wellsfargo.com/questions to send a secure email. 


========================= Please do not reply to this automated email. To send a secure email, sign on at https : //www.wellsfargo.com/questions. 

I attempted to send them a secure email through their website, but was not able to do so. The email was never submitted. 
I called to discuss the issue with them, but they refused to discuss the issue with me. I have a recording of the phone call 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 2016-07-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
For the last year I have been paying Navient {$58.00} monthly. All of a sudden on XXXX XXXX 2016 Navient withdrew {$1600.00} from my account leaving me - {$320.00}. They claimed to have emailed me telling me to renew my payment plan or I would automatically be put on a 10 year repayment plan at {$1600.00} a month. 

When I asked what email address they had on-file they answered with my out-of-date student email address. On two separate occasions, I asked my email address be updated. It never was. 

I am now completely broke, incapable of feeding myself and incapable of paying for my XXXX to get to work and come home. I have been told my claim is expedited and I will be reimbursed in " at least '' one week, most likely two weeks. 

That means I am incapable of feeding myself and getting to work for 1-2 weeks. I make {$740.00} every pay period. That means my next paycheck will go, mostly, to bringing my account up from - {$320.00}. 

This is unacceptable. Navient is a major monolith of a company. The company would be just fine if I died today and never paid them again. I -- we individual citizens, however, directly suffer from Navient 's carelessness. 

I have bills and other loans that need to be payed. I am terrified by the thought of how this issue will negatively impact other financial responsibilities of mine. 

I live on a tight budget and I barely make things work. Navient has completely crippled me for the next 1-2 weeks. I, quite literally, am not sure how I will " make ends meet '' until Navient pays me back. And I do not know when I will be paid back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Rewards

Complaint:
I did n't receive my {$25.00} reward from the BOA 's better reward credit card in XXXX 2015. According to their rep, it was because I did n't make any payment in XXXX 2015. However, I got couple refund from different merchants and I applied my previous reward credit to that statement, which made the balance became {$0.00}. The rep said in that case I should over pay in order to get my reward, which does n't make sense to me, as most financial institute do not allow over pay a credit card. And without somebody explicitly tell me to do so, no consumer would assume that applying reward credit does n't count as payment, and as said, it does n't make sense to over pay a credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I filed a claim of unauthorized transactions from my savings account. Wellsfargo has not refunded the full amount of money despite being a loyal customer since 2002. I was originally told that I would be receiving all of that money back but now am told that is not the case. If I had many suspicious withdrawals, why did n't Wellsfargo notify me? I have also filed a police report regarding this cyber theft.

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 2016-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bank of America is reporting an account on my credit which they claim to have verified through my disputing process with both XXXX & XXXX. I have sent both bureaus dispute letters, method of verification letters & sent Bank of America a XXXX letter requesting all documentation including any original sign agreements/contracts which verify this account truly belongs to me. I believe all the companies are not following the FCRA & using XXXX or some other type of automated system to verify this account. The address tied to the file ( which I found through XXXX report ) does not belong to me nor have I ever lived there or received mail. I originally disputed the account in XXXX 2016 & just finished disputing the account again through the bureaus normal channels. Since the bank has been unable to provide a signed contract or any other legal documentation verifying its validity I would like this account removed at once ... and all records of the account removed from my credit reports with XXXX & XXXX. For the record XXXX deleted the account without incident in XXXX when I first disputed it. I 'm attaching all records & documentation. Lastly, I will not accept copies of documents. I have no idea if they 've be doctored or fraudulently created to eliminate their responsibility. Bank of America has been sued for robo signings & their lack of response to my original requests just appears to be an attempt to not follow the law again ... please remove immediately. 
important dates - XXXX XXXX, 2016 - letters sent to XXXX & XXXX disputing Bank of America acct XXXX XXXX, XXXX - XXXX letters sent to Bank of America & XXXX letters sent to XXXX & XXXX XXXX XXXX, 2016 - letters sent to XXXX & XXXX for removal of unverified 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 2016-09-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am a senior citizen who has been vulnerable to financial trouble due to a bank that used my money to open up unauthorized accounts. This bank that I speak of is Wells Fargo. It first started out by putting me in a platinum savings account. Then I received notice of a standard brokerage account. In the end I have all of these accounts that I never approved of. Wells Fargo has moved my money in the manner of which they saw best fit, nothing in regards of my consent. There were also false dates that provides proof on their behalf that I was at their local branches making these changes. The time span of all these events was XXXX 2016 to 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 2022-05-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter to Wells Fargo Bank, N.A XXXX Wells Fargo Auto Account # XXXX XXXX XXXX questioning the validity of the forgiven debt they continue to report to the Credit Reporting agencies. Please see attached the 1099-C tax form I received from them on XX/XX/XXXX. 

According to well-established precedent, once a debt has been forgiven it should be removed from a consumers credit report as it provided a tax benefit to the lender/creditor and a tax burden to the consumer since he or she has to pay taxes on the canceled debt and also claim it as taxable income. 

In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX XXXX XXXX ) ( " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' ) ; XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX XXXX ) ( holding that it is inequitable to allow [ a creditor ] to belatedly enforce the alleged debt after it received the tax benefit of the charge-off ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ( issuance of Form 1099-C after debt was written off is " prima facie evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX XX/XX/XXXX ) ( It would be inequitable to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. '' ) This forgiven debt should no longer be reported on my consumer 's credit report and I ask that the company stop doing so immediately.

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 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An account was illegally opened in my name in a case of identity thief. Bank of America then not only closed the illegally opened account, but all my accounts that were in 100 % good standing. They then demanded immediate payment of all debt which forced me into financial hardship.

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 2016-02-08
Company: WELLS FARGO & COMPANY
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to an original credit grantor, ( XXXX/Dillards ) some how ( XXXX ) XXXX XXXX XXXX was brought in to collect the debt, we ( XXXX and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to two division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from one mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my XXXX account with no mention of the XXXX account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I began this investigation because I received a letter from Bank of America stating that my payments would be going up to approximately {$840.00} per month beginning XXXX XXXX. My loan amount was only {$19000.00} which was reflected in my closing documents. I have been paying almost {$300.00} a month on this loan for over 8 years and there is no way I should still owe this much. I contacted Bank of America and was given information on where the missing {$75000.00} went. I was told that {$75000.00} was disbursed to XXXX separate people : MY Financial and XXXX XXXX. I was told that an advancement was taken on my line of credit, deposited into my account ending in XXXX, then XXXX cashier checks were processed and distributed using my debit card and pin. 

The issue is that I did not authorize these transactions. My closing documents, which I signed, state that only XXXX checks were to be disbursed. XXXX was for {$10000.00} and XXXX for {$8500.00} both payable to XXXX XXXX for student loans. No other money was to be taken out of my line of credit and paid to anyone. My payoff amount is {$25000.00}. The closing documents state that I only authorize Lender to automatically deduct from my account, ending in XXXX, the amount of any loan payment which was to begin XXXX XXXX, XXXX. BoA states that money was transferred into account ending in XXXX then taken out. The other issue is that I was never issued a debit card or pin. There are a few pieces of information I still need : 1 ) Who was the agent at the bank who handled my closing on XXXX XXXX, XXXX? 
2 ) What date was the debit card and pin issued? Was it mailed or issued at the bank and by who? When was the pin # established? 
3 ) Who authorized the counter debit and issued the cashier 's checks without me being present? 
4 ) Please verify that the business name is M Y and not M and some other letter. I am coming up with other initials in my search. 
5 ) Location/Address of the branch involved 6 ) What assistance is BoA going to offer me in order to track down the recipients and get my funds back? 

I have been paying on my loan for 8 years on time. I ca n't be expected to pay for money I never received or authorized to be paid to others. If I was going to pay someone any money, I would have included it in my closing documents. I need all of the help and resources that BoA can provide to me as a valued customer. This issue will not be resolved until BoA can determine who at that bank instigated this fraud against me. Until my funds are returned and the parties involved identified, this case will not be considered 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 2016-02-18
Company: Netspend Corporation
State: WY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Dear Sir or miss On XXXX XXXX I buy a airline ticked with my debit car net Spend to fly to the XXXX XXXX from XXXX XXXX Wyoming the ticket was {$350.00} however the whether was bad the streets where close and I dint make it to the airport I call the airline 2 day before to tell them the situation I also call my credit card company They told me to submit the my airline ticket witch I di it after few days they give me a refund for the XXXX them they took it again is XX/XX/XXXX and I am still in Wyoming trying to get my money back but they say no the case it has been close and they are not going to give me my money I di everything they told me to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
COLLECTOR FAILED TO VALIDATE, CALL MY DAD AND SENT COLLECTIONS TO HIS HOUSE AND HAVE BEEN GETTING PHONE CALLS IN VIOLATION OF FDCPA AND TCPA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-01
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX, requested a bank-to-bank transfer of {$2600.00} XXXX Dollars to a XXXX bank account in XXXX. {$2600.00} was deducted from my bank account on XXXX XXXX but only {$2400.00} was deposited into the recipient 's account on XXXX XXXX. Although I requested this to be a XXXX dollar to XXXX dollar transfer, Western Union insisted 'Government requires local currency to be sent '. Their investigation into this has provided no results in recovering the missing {$150.00}, stating the amount of local currency ( XXXX PLZ ) is what was sent and received by the bank. It is indicating a dramatic rate conversion issue, but this is not clear. I do not believe conversion was required and Western Union incorrectly processed to convert. However, if so required, how is it possible so much money is lost in a direct bank-to-bank transaction. I truly feel money has been stolen from me and hope you can assist me to recover. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Association Capital Resources, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
HOA debt. I received a letter dated XX/XX/XXXX on XXXX/XXXX/XXXX. they called my home phone and spoke to my husband on XX/XX/XXXX who has XXXX. When I finally received the letter of the debt which was not detailed. I found out it was for XXXX XXXX and XXXX XXXX HOA fees plus some accrued interest. I called on XX/XX/XXXX and was told now I owe {$420.00} more because of the time that passed and the fact that I did not return the phone call which my husband answered the phone and is not capable of writing messages. 
I then received a faxed copy of a letter that was sent out supposedly on XXXX XXXX, about 3 weeks from the FIRST letter and now the balance {$750.00}. 
They would not discuss and just said this was owed. I was willing to pay for the HOA fees plus interest and late fees BUT the {$420.00} for collection costs is ludicrous. 
XXXX was rude on the phone. 
I have paid the amount of XXXX which was the balance from the letter dated XX/XX/XXXX

Company response to consumer: Closed
Consumer complaint received 2015-05-23
Company: Jenkins, Wagnon & Young, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XXXX ( XXXX ) XXXX a law firm named XXXX, XXXX, XXXX and XXXX filed a lawsuit citing that they represented XXXX for a debt and did not name the creditor or identify the debt source. The citations do not show that XXXX XXXX XXXX was ever served the citations as they are not signed. There was no other information sent notifying XXXX of the debt identification or how to resolve the claim. XXXX XXXX XXXX passed away on XXXX XXXX, XXXX after an extended illness. On XXXX XXXX, XXXX a totally DIFFERENT law firm ( Jenkins, Wagnon, and Young ) showing that they represented XXXX XXXX, XXXX ( which is not the original debtor shown on the citation in XXXX - different collection company name and different debtor ). There was no citation sent according to county records to attempt to notify XXXX or her estate of the claim. There was no no validation of the debt and no information sent disclosing what this debt is, the original creditor, and allowing the person OR the estate the opportunity to validate the debt. There are some legal time issues that also apply on filing or collecting within a year of the death of a person. 
This action is an unfair debt collection action. They have misrepresented information and facts about the original suit, the original debt collector and the law firm filing the suit are totally different entities that the judgement action entities. In addition, no notification was sent or served for the judgement action entities, no opportunity to validate the debt or respond to the action action was afforded either XXXX XXXX or her estate and respresentatives. This judgement was also filed over 18 months after the death of XXXX XXXX. 
There has been no response or acknowledgement of the original complaint and there has been no real response to my initial attempts to contact the creditor and communicate with them. Discussions with the original law firm disclosed that they will not be filing or asking for further action or judgement. I have no ideal what the debt is supposed to be as there was no disclosure of what they are claiming is owed, what kind of debt it is, whom it was owed to and other accounting information that would need to be disclosed to validate it.

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