BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I received a text from Wells Fargo that there was " unusual activity '' on my account with a corresponding link. I clicked the link, but was asked for my credit or debit card info. I assumed this was a scam and exited out. Person B also received a similar text on XX/XX/2021. Person B also clicked the link but assumed it was a scam and did not enter any information. My Wells Fargo bank account did not demonstrate any unusual activity, so I did not pursue the issue further at this time. 

Later on XX/XX/2021, I had received an email that I had sent {$3400.00} via XXXX from my Wells Fargo bank account to a XXXX account belonging to Person B. Person B claims to not have a XXXX account and did not receive the funds. I filed an official Fraud Claim with Wells Fargo to refund my stolen funds. However, on XX/XX/2021, I received a letter from Wells Fargo denying my fraud claim and stating that the {$3400.00} transaction was made by me or someone with my authorization. This is false, and I did not make this transaction nor did I authorize anyone to make this transaction. 

On XX/XX/2021, I called the Wells Fargo fraud department to request copies of documents that Wells Fargo relied upon in making their decision and also to escalate this claim to a supervisor, as Wells Fargo 's conclusion is false. I have this conversation recorded as well. The Wells Fargo employee refused to give us a complaint number and simply told us that we should wait for a return phone call in 10 business days. The Wells Fargo employee also hung up on us prematurely without giving us an opportunity to clarify other information. We have the name of this employee, but have withheld it as no personal information should be entered in this box. We have no official documentation to verify that we have escalated our claim or that we have requested the aforementioned documents. 

Our bank account log in information and account numbers have been changed to prevent further fraudulent activity.

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 2016-08-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
My wells fargo credit card got decline at the store couple of times, I went online to check the status & found a note to call at the number. When I called them, i came to know that they blocked my card & provided no reason for that. On requesting further details, I have been asked to visit the branch. I requested them that during office hours, I may not visit your branch & kindly provide an alternative. On that note, my request is forwarded to the concern dept & since then I am waiting for call. On calling them to inquire about the update, the officers appears to very rude. 
It has been more than 24 hours but card is blocked & nobody is giving any explanation to me, why they have blocked it. If they need to inquire about any transaction activity or else, they should have called me before blocking my card. I felt very embarrassed at the store. You are requested to take strict action to ensure that going forward any other consumer would n't face such inconvenience.

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 2022-02-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please be advised, Im been a victim of identity theft. The following accounts are all fraudulent. Please see attached Ftc report & my identification. 

XXXX. XXXX XXXX {$4000.00} XXXX. XXXX XXXX  {$7700.00} XXXX. XXXX XXXX {$790.00} XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX {$510.00} Please see attached clear FTC Report, submitted by myself with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: TX
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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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:
I am a victim of identity theft. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX has fraudulent accounts on my credit profile that need to be removed 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 non-monetary relief
Consumer complaint received 2021-03-24
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX/XXXX/XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, and XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a personal load with XXXX with a equity load and XXXX they sold myloan Green tree and XX/XX/XXXX my house went in foreclosure and the sheriff sale. I was evict from the house XX/XX/XXXX and have not lived in the house since then XXXX sold the loan to Green Tree. I was still trying to pay the loan and was told that once the house went in foreclosure I was no longer responsible for the loan I told this to Green Tree that I was no longer going to pay for the loan on a house that I no longer own, the house was sold XX/XX/XXXX They call me everyday of the in the morning in the evening all time of the all threatening me to pay they or move from the house I no longer own the house in question is XXXX XXXX in XXXX Michigan XXXX. They would call on different number and are still call me today. now they have this companyDitech sending me bill and increase the amount of the loanI would like them to stop sending me bill and would like the money I paid to them return to me. I can mail the letters to you if need in you need the account number it is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a XXXX XXXX XXXX who lives on a fixed income. I logged into my BofA bank account only to notice that I was missing {$3500.00}. This was very disturbing as I did not authorize this transaction. Below is synopsis of what happened the steps I took to recoup my stolen money. 

* On XX/XX/2021 an electronic draft of {$3500.00} was deducted from my Bank of America checking account without my authorization. 

* I fell victim to a scam. I received a call from someone who said that they were with XXXX XXXX. I was walked through a series of steps to supposedly update my info to thwart of this security hack. Unbeknownst to me at the time that this was a hoax. 

* I contacted BoFa fraud department to find a resolution to this matter. They in no uncertain terms tried to assist me. Instead, they deemed it my fault and would not remit the funds back to my account. Claim # XXXX * I also contacted XXXX of which I am a customer. Again, they were of no assistance. Ref # XXXX XX/XX/2021 ). 

* I also filed a complaint with the FTC. Report number XXXX. 

* I also filed a police report in the state of NY on XX/XX/2021. Incident # XXXX * I initiated a fraud alert to XXXX as well. 

* As I was embarrassed, I did not inform my son until recently. He recommended that I work with the CFPB to determine a fair and equitable resolution.

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 2016-03-23
Company: Debt Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We are being harassed by frequent calls From XXXX Debt Recovery Solutions and they are looking for XXXX XXXX XXXX. My Name is XXXX XXXX and no one by the name of XXXX has ever lived in my house. Calls for XXXX have been received over the past 8 years and they are demeaning and annoying. 

Calls to these debt collectors to have the calls stopped simply result in a different agency starting the calls. 

There is no indication from my Identify Protection Service that I have ever had over due debt. 

The DRS ROBO calls about once a week. There after they use psychology by having a ROBO call and advertise lower interest rates. They also make frequent no message calls to keep the pressure up. DRS actions meets the definition of terrorism. 

DRS ( Debt Recovery Solutions ) XXXX XXXX XXXX XXXX XXXX, NY XXXX ( 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 explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I fail behind on our mortage payments, we asked for a modification on our loan and have been going no where every since. They 've been saying this paper wasn, t complete or this was n't submitted on time, just as if at was a complete run around. So we have been rejected on so many a times we turned to a third party agency to help us move the process along, thinking that the agency had more experience then us they could move thing a long at the very lest show us what we where doing wrong. After putting together a new package to submit on our behalf the professionals were rejected saying paper work was not in on time after two to three days, not stating it should be in the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Credit card
Issue: Late fee

Complaint:
I missed my XXXX XXXX, 2016 payment by mistake and called the company on XXXX XXXX, 2016 when I realized my error. They waived the late fee and, in order to prevent this problem from happening again, we discussed changing my due date from the XXXX to the XXXX. I was told that future payments would be due no later than the XXXX. I even set up auto-pay to ensure I would not be late again. Today, XXXX XXXX, 2016, I received an email notice that claimed I missed another payment. I immediately called the company who confirmed that they changed the due date and setup auto-pay for me. However, they claimed that the due date change was not take effective until XXXX 2016 and the auto-pay would not start until XXXX XXXX, 2016. I was not advised on the phone or in writing that the due date change would not be effective for the XXXX 2016 period. Further, the company sent me the XXXX 2016 statement on XXXX XXXX, XXXX, but I spoke with the representative on XXXX XXXX. Thus, the XXXX XXXX statement would not reflect this representation and change by the company. The company has now increased the late fee from {$23.00} to {$37.00} and refuses to waive it. I relied on their representation that my due date was changed for all future periods, including the XXXX 2016 period. The company is now attempting to charge me a fee for its mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: WELLS FARGO & COMPANY
State: WI
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
Back in 2009 I opened up an account with Wells Fargo bank. My mom passed away and i recieved XXXX. My aunty who helped me ipen the account told me that she jus wanted to help me get established with a new apartment. A few months later it turned out that she stole over XXXX from my bank account without my knowlage. I tried to inform the bank but they said it was nonething they could do. They dont understand that she tricked me into putting her on my account. I was never able to gey justice. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im filing a complaint about Transunions failure to investigate and remove incorrect information after they incorrectly merged someone elses name and address into my credit profile at the request of XXXX XXXX XXXX. I have a subscription to Transunion monitoring and I called Transunion in XX/XX/2021 about duplicate accounts & incorrect information on my profile. The transunion representative said I had two profiles with different names and addresses. Instead of deleting the the wrong profile with the incorrect name and address Transunion merged someone elses profile into mine changing my name and listing me at an address that has never belonged to me. 
Ive never reported the address XXXX nor used or changed my last name. All Transunion had to do was look in my credit history and see that I have never used an address at XXXX or used the name XXXX or XXXX. My last name is not XXXX nor am I man. This persons name and address have been merged to my report and Im now being harassed by XXXX XXXX posing as a government health agency in attempt to collect my personal identifying information to collect a debt that belongs to a XXXX XXXX. As a result I have have had to file a complaint against XXXX XXXX XXXX for attempting to collect a debt for impersonation, deception, and false misrepresentation with both the CFPB and the FTC. As of today the debt for {$430.00} from XXXX XXXX XXXX is no longer reporting on Transunions monitoring site but Transunion sent me my credit report last week in the name of XXXX XXXX and reporting XXXX as my previous address. The collection along with everything reported by XXXX XXXX including the additional name and address is false & needs to be removed from my credit report and profile.

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 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I think it was wrong to permanently limit or closed my account and hold my money. I used this account for my online business and transaction like online jobs though I wasn't able to do transaction often in the past. I have {$39.00} on hold. Theybsend an email that theybhqve to hold it for 180 days and I can not receive or send money uaing my account since it was permanently limited to do such. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted Transworld Systems Inc. several times to get the alleged XXXX account validated. This account is {$380.00} and I was never sent proper information to validate this alleged account. My last certified request for validation letter was sent XX/XX/21. This last request was never responded to. Because Transworld Systems failed to respond, this account must now be removed from all credit reporting agencies. Ive attached 2 different certified and return receipts but Ive contacted this company more than that. This negative invalidated collection account has prevented me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted BOA to inquire about an escrow reimbursement check on XXXX/XXXX/15. The automated system indicated XXXX would be mailed out on XXXX/XXXX/15 however the associate informed me that XXXX was the amount sent on XXXX/XXXX/15. I asked what happen to the XXXX and was told it was " mailed out to the investor ( XXXX ) to pay for your PMI. '' XXXX said they had nothing to do with PMI. I called BOA back, shared what I was told by XXXX and the story changed. This time I was told the PMI was sent to HUD. I contacted HUD ; they had no record of me. I called BOA back and the story changed a XXXX time. I was told AGAIN the PMI had been sent to XXXX. After refuting this, I was told my PMI carrier was XXXX XXXX. I learned from XXXX that the account was cancelled on XXXX/XXXX/15 and the last payment received on XXXX/XXXX/15. Moreover I was told if additional funds were received from BOA they would be returned to them. I called BOA back and the story changed a XXXX time. This time the associate said the XXXX was sitting in my escrow account. I asked how this could be when I no longer have a mortgage. I asked if I could have the money refunded and was told " no. '' I asked why and the story changed AGAIN. This time I was told the XXXX would be used to cover admin fees for paying off my mortgage. 
I ca n't begin to imagine how many other customers have been subjected to this type of fraud. In fact I said this to a BOA manager named XXXX yesterday and his response was " unfortunately you 're absolutely right. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We completed a HELOC transaction with XXXX XXXX on XX/XX/2021 and the money was received the morning of XX/XX/2021 by USAA Federal Savings Bank. The money has NOT been deposited into my USAA Checking account as of close of business on XX/XX/2021. XXXX XXXX, the lending agency provided confirmation that the transaction processed and the money was received by USAA on XX/XX/2021. 

On XX/XX/2021, I contacted the wire department at USAA and spoke with representative, XXXX who confirmed the deposit was received on XX/XX/2021 and that USAA was experiencing a technical problem with processing. They were aware of the issue and currently resolving the problem. He then proceeded to assure me the funds would be available by XXXX XXXX on XX/XX/2021. At XXXX, there was no deposit. The funds were received over 36 hrs ago as confirmed by both the sender and USAA representative, XXXX. 

At XXXX XXXX, I contacted USAA Customer Service. I was informed the wire department was gone for the day. I politely asked to speak to a supervisor in hopes of elevating the issue and ensuring the case was documented. No supervisor was available. All I could speak to was an executive resolution specialist, XXXX could not provide any indication if/when the funds would be posted. She also explained that there were no supervisors available ( she inferred a supervisor might be able to access more information to explain why this was occurred ). 

I'm sorry, this is unacceptable. {$77000.00} is a lot of money and not being deposited in a timely manner is not in accordance with standard practices/regulations. USAA is a major financial institution and has mishandled this transaction in a gross and unacceptable manner.

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