BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo Bank failed to fulfill its guarantee to pay any late fees associated with payments sent through their Bill Pay service that are delivered late. 
My mortgage payment was scheduled to be sent on XXXX XXXX, and was guaranteed to be received by XXXX XXXX. It was not received until XXXX XXXX. 
" If Wells Fargo does not properly complete a bill payment on time or in the correct amount, we will pay any late fees or finance charges that you reasonably incurred as a result, provided that your account was in good standing with the payee prior to this incident. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
( XXXX ) I have gone through credit card XXXX. 
I am a victim of the Wells Fargo credit card issue. I had a good credit score. I got a call from a repres there who told me that a credit card for XXXX was being processed for me for. When i questioned the rate it was XXXX first year and XXXX to 28 % afterwards. Things were Not clear. I did not want it. I deserved a better rate with my score and wanted out or a lower rate and it was impossible, i was transferred and put on hold, was told No and ignored. The payments escalated, i paid to avoid my credit being damaged but it was just too much. 
______ ( XXXX - XXXX XXXX XXXX XXXX issue. I always paid them. My balances were fluctuating and i could not get answers. Due to unexpected car repairs i phoned them to just say that the payment would be late and to make arrangements. I was denied. I made payments anyway. Then i received statements showing payments made and then reversed. They could not explain. I kept requesting info and was refused. I kept making payments and in XXXX received a call from XXXX stating that they would no longer accept them. They refused my payments and began harrassing me by phone. XXXX to 30 calls a day. When i told them to stop, they assigned my acct to. XXXX and XXXX. I requested statements etc ..., no info. By accident learned of court date 2 days before. Attorney said show up..guess what? No docs received and no notice of court call. XXXX was not present for roll call and judge said that she could not hear my side. She did not know i was a pre law student who knew better. I was finally able to get a XXXX repres to send me statements nd guess what? Over XXXX was charged ( Identity Theft ). XXXX refused to acknowledge and pursued filing a judgement against me. XXXX had never had problems with me. I paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: NJ
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 this isn't 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Coinbase, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was issued a refund in early XXXX that cleared the merchants bank account. The refund was visible in my account for a few days as 'pending ' but then disappeared and the refund was never credited to my account. I have reached out to the support team numerous times and not received any real response or help in getting this issue resolved. I have screenshots of the 'pending ' transaction in my account, and a copy of the receipt from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello - I have a mortgage with Wells Fargo. Back in XXXX I met XXXX XXXX from XXXX associates. He said he can help me get a lower rate with my mortgage and lower payments. My expenses went up. Higher car payment and my husband hit a parked car in the ice left his name on the windshield and his insurance went up. In the meantime I told XXXX I had a modification back in XXXX 2014. Little did I know that FHA modification are only every 2 years. XXXX told me that does not matter. I paid him {$1900.00} and wells fargo did take the application back in XXXX but I need a quit claim deed to take my father in law off the income because he is a co-signer. It took sometime and months went by I will still needing the deed the get recorded. With the XXXX here and a case of bed bugs in XXXX hall it took longer that I thought. When I spoke to Wells Fargo they said we could not help me until the 2 years was up. Why did they take application and not tell me so many months went by now I owe {$8000.00} and it will go in foreclosure unless I get that payment. I was scammed by XXXX XXXX and I think because of that Wells Fargo should help me with somekind of assistance because they communicated with him and went along with not telling me it was impossible. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Would like assistance in removing the account and inquiries from my reports. Did all the right things to get it removed but nothing happened.

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 2016-02-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
I get paid bi-weekly with a check drawn on Wells Fargo Bank, I do not have a Wells Fargo account. How can they charge me {$7.00} to cash my paycheck, something seems wrong to me. Of course it 's free if I change banks and open an account with them instead of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The Student Loans are my daughter 's in which my husband & I co-signed. My daughter missed XXXX payments on the loan and then called to try to fix it and told Wells Fargo that she was in the process of filling bankruptcy but did not want the student loans to be a part of it because we co-signed on it. Wells Fargo did not care and put the loans into Charge Off Status with their Bankruptcy department. When the loan was in default Wells Fargo said they tried to get a hold of my husband and I by sending a letter to us, however we had moved from XXXX to XXXX and they sent it to our XXXX address and by the time they received the returned letter it was in the bankruptcy department and they said they do not contact co-signers when it is in bankruptcy. My husband and I have multiple accounts with Wells Fargo including a Mortgage, They could have found our information if they wanted to find us, I feel they really never tried. My daughter never told us what was going on and Wells Fargo decided to destroy my husband and my credit without even giving us the chance to resume the payments. I found out about all of this when my husband and I tried to apply for a loan and they let me know my credit report was not what we thought it was because of the Wells Fargo Student Loans. I immediately contacted Wells Fargo and have been trying to work with them to rectify this and they just keep telling me that as a co-signer it was my responsibility to know what was going on with them. Unfortunately as a co-signer on a student loan you do not have access to Student Loans only the originator does. Had Wells allowed me to keep record of the loan on my Wells Fargo online banking I would have remembered to update the address with the Student Loans with the rest of my accounts when I moved and I would have seen right away when my daughter stopped making payments and would have addressed it before it reached the point it did. Part of being a co-signer is to take responsibility when the originator can not, but how can a co-signer do this if they are not notified or are not allowed access to the accounts? How can my husband and I get help to get our credit repaired and keep this from happening to others in the future from these big banks??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
AMEX will not release my membership points despite having earned the membership reward points 1 ) Through the advertised promotion 2 ) Through *other* card accounts held at AMEX despite other accounts having nothing to do with whatever random fraudulent checks AMEX has decide to impose on cardmembers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My ex husband and my XXXX XXXX XXXX daughters father died on XX/XX/XXXX. There was no will or executor for his estate and he was not married so his mother and I went to Wells Fargo on XX/XX/XXXX with the death certificate to see what, if anything we could do. 

Upon speaking to a banker, we found out that the next of kin would be his children, but since they are minors, I was able to complete a small estate affidavit and receive the funds and close the account. Once this was approved, the banker let us know that his bank account was completely empty, as an unauthorized user logged into his bank account and transferred herself all the funds. The amount she took was {$2800.00} and she took it over the days of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We filed a fraud claim with the bank and were told we would hear something within 10 days. 

Today was the XXXX day, so I went back to Wells Fargo to see if they could give me any updates. The branch manager of the XXXX, GA location was wonderful and called the claims department to find out what was going on. He was told that the claim was denied because they could not prove my ex husband didnt authorize the charges, even though he was deceased at the time they were made. Even the branch manager was upset about this and tried to explain the situation but the claims department didnt provide any more 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 2021-08-25
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Refinanced loan w/ Barclays Bank and proceeds were sent to Barclays from XXXX XXXX mailed XX/XX/2021 received and processed by Barclays on XX/XX/2021 in the amount of {$8600.00} confirmed by check copy provided from XXXX XXXX XXXX ( originator for XXXX XXXX ) after numerous calls and messages Barclays still has not credited the account after 1 month.

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 2022-07-11
Company: EQUIFAX, 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:
Would like assistance in removing the account and inquiries from my reports. Did all the right things to get it removed but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: TN
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:
Please note that this is my SECOND complaint with CFPB and nothing has happened. Back in XXXX, I noticed on my Experian consumer report that they were illegally reporting a bankruptcy on my profile. I reached out to the U.S. bankruptcy court and they shared that they did not give information to credit reporting companies. 

So, on XX/XX/XXXX I sent Experian my first letter asking them to permanently delete this information from my credit profile as this was a Fair Credit Reporting Act violation. Experian responded with a letter dated XXXX XXXX XXXX saying that they " verified '' the information as accurate and that need more documented proof for the investigation. I then sent the U.S. bankruptcy court a letter asking them to present any information they gave the credit reporting agencies to " verify '' my identity without my permission. They responded with a letter stating that they do not provide any information to third party companies ( attached below ), so it is impossible for XXXX  to properly " verify '' anything. This is also a violation of 15 USC 1681b1 ( 2 ). 

On XXXX XXXX XXXX I sent a second letter to Experian showing them proof that the U.SXXXX bankruptcy court did not verify any information with them, so Experian is illegally obtaining my private information without my consent. They then responded on XX/XX/XXXX, stating that this information is verified as accurate again. Not only is this past the allotted 30 days pursuant to federal law, but this is a total breach of privacy and a pure violation of my consumer rights. I did not and still do not consent for Experian to use the E-Oscar system to " verify '' information, which is what they are doing.

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 2020-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to secure a home loan. I was told by the lender to transfer a {$7000.00} deposit into their account. I transferred the money from my Bank of America account to their Bank of America Account on XX/XX/19. Later I found out that the lender was a scam and never returned my money. I tried to file a claim in court but all the address I had got sent back. I've gone to the Bank of america 3 times and spent hours on the phone with their fraud department. I have been told there is nothing they can do. I am requesting help to get my money back, freeze the account that I sent the money to and to provide information about the recipient or account holder so I can continue my pursuit in court. I have also filed complaints in 2 different police department and have heard nothing in response.

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 2020-03-06
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Fraud charges to XXXX >10 years ago Balance of {$6000.00} Company filed for debt dispute with Midland Credit Management Case Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-07-11
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This complaint is in addition to a previous complaint. The complaint number is : COMPLAINT ID XXXX I am filing an additional complaint because the company in question is now in willful violation of statute. I spoke to 2 different representatives from CFPB who confirmed that the disputed amount on my credit card is Not to be part of the balance to be paid on my credit card. Unfortunately, the disputed amount of XXXX WAS part of my balance on my card and I was charged over {$200.00} in interest while this dispute is STILL under investigation. To make matters worse, I contacted a gentleman named XXXX from the Chase Credit Card executive office at XXXX Extrension XXXX who stated that they can keep the disputed amount on the balance and charge interest on it and just reimburse if the case should go in my favor. He stated this after I told him that I spoke to CFPB and I informed him that he was required by statute to keep the disputed amount off my balance and Not charge interest until the dispute was resolved. Unfortunately, they are hurting my credit score and charging me interest in clear blatant violation of the law. Please contact the merchant and require them to follow the law and get the disputed amount off my balance and the interest charges reversed as soon as you are able.

Company response to consumer: Closed with explanation