BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-06
Company: SECURITY FINANCE CORP
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke to XXXX at Sunbelt Credit at XXXX today told them I was sick and probably could not pay until Friday XXXX but would call later in the day after I went to the XXXX . 

XXXX called at XXXX and left a message and then XXXX called again at XXXX and ask wnen I was going to pay, even after I spoke with her this morning. 

I explained to her that I had spoken to her earlier, she said it didnt matter she needed a date when I was going to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
This is in regards to Wells Fargo XXXX CA I have had this Visa Card for many years. I fell behind but continued to pay. I started noticing Monthly fees for Purchases & Cash Advances. I have not purchased anything on this card since in over 10years & cash advances were paid back when my payroll check was deposited. I have been requesting an explanation of fees since the beginning of this year. 
There has been no response other than they are looking into it and I am free to call the dispute dept. I want a visual of what I purchased and what cash advances I have generated. My balance is XXXX 90 % is Cash Advance Interest, Purchase Interest & Late fees. I do n't use this card. They do not respond other that emailing me in my in-box telling we they are working on it and I am a valued customer. Nothing is personalized. I have advised them I am not paying until this matter has been addressed ... 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 non-monetary relief
Consumer complaint received 2016-03-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am refusing to pay the $ XXXX.I am requesting the the {$9.00} be reversed and credit to the account asap.I did n't know the check was fake or counterfuit.I am not paying the account ending in XXXX.I never received my check book wallet I ordered.I am unable to use the checks due to the account being closed and I did n't authorized TMOBILE TO G INTO MY go into account.I told them to stop all payments transactions.I told them to cancel all orders.I told them I did n't want to use my account anymore for payment.I am requesting these charges be reversed and brought to a XXXX balanced.Wells Fargo praticesare vert manipulative and deceiving.They ended my banking history over a conterfuit check ididnt write or deposit into my account.I did n't deposit that check into my account.A scam artist who I through was a real true private lender. 
I am requesting a full investigation into evil wicked unprofessional non sensitivity pratices of Wells Fargo.I am a very progressive law student who is very aggressive about corporation respecting and honoring their customers.I am going to give you 30 days to fix this very important matter.If it is n't fix.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.If I am on XXXX.I am requesting to be taken off immediately.This is a complete violation of the Fair Debt Collection Act and The Fair Debt Reporting Act.I will also be filing a complaint with the Federal Trade Commission.I am asking for the a internal investigation.

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 2016-10-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is a complaint against Wells Fargo Bank. For the lack of consideration, respect, and ethic. Without noticing, they have decide to block my business account of XXXX XXXX XXXX XXXX and with an amount of money that I am needing, that was {$4200.00} that was deposited yesterday, XX/XX/XXXX. The lack of ethic that they blocked the account after me depositing the money. This is a joke and lack of consideration and discrimination. On top of that, The money I deposited does n't even show in the account. Where is my money? I do n't know where it is. They either stole it or are playing with it. Other than that, they also blocked my personal account, with a sum of {$9300.00}, they have left me with out money to use. This is lack of respect and consideration. Today, I called to find out what was going on, and their response the money was blocked because they decided to close my accounts. Without even telling me or noticing, and they did it after me depositing my money. And apparently, I have to wait until XX/XX/XXXX until they can open my account and there is n't even a chance of them of giving the money back. They did n't even think, they make the country think they are a good bank, that is a lie to the country and the citizens.

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 2015-12-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XX/XX/XXXX I received an e-mail from Wells Fargo stating that if I use my Wells Fargo Credit Card via XXXX by XXXX/XXXX/XXXX, that I would receive a {$20.00} statement credit. Per the e-mail : " Get {$20.00} when you use XXXX to make a purchase using your Wells Fargo Credit Card during the holidays! XXXX Just check out in a merchant app with your new iPhone ( R ) 6, iPad ( R ) Air 2 or iPad mini 3, or look for the Near Field Communication ( NFC ) symbol at checkout registers in stores and use your iPhone ( R ) 6 Touch IDTM to authorize contactless payment easily. Make an XXXX payment before XX/XX/XXXX, and you 'll earn a {$20.00} statement credit. '' As you can see from reviewing my balance and from the attached screenshot, I made a purchase of {$21.00} using my XXXX XXXX on XXXX/XXXX/XXXX, which is before the XXXX/XXXX/XXXX cutoff date. However, I have wasted hours inquiring about the credit that I never received and was told by multiple people at Wells Fargo that they submitted a request and that I should receive the credit shortly. It has been over a year. I would n't have made the aforementioned purchase if I were not going to receive the credit. This is fraud! 

I will be happy to forward the e-mail for review. The Online Customer Service Code was : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Around XXXX XXXX I stopped paying my mortgage because I was injured on the job. I was out of work for a year. I have returned to work. In XX/XX/XXXX I hired an attorney to help me with loan modification - have been denied at XXXX times with Wells Fargo - It 's been going on for 2 yrs - In XXXX XXXX I was denied -unable to create an affordable mortgage payment - then we reapplied XX/XX/XXXX again was denied unable to reduce the principal and interest payment by 10 % - then I reapplied again XXXX XXXX this time I used my brother in law as a contributor who lives with me to show additional income -again I was denied for HAMP for different reasons because I have reached the allowable number of modifications - why was n't I told this from the beginning from the previous denials -HAMP TIER 2 was denied because we are unable to modify your mortgage based on the result of the NPV however I went to the website XXXX I was found eligible. -In addition, they reduced the income that was submitted -I feel I am being treated unfairly and being discriminated - I am asking for your help - I want to save my home and I have been trying to workout out something with ASC and they seem to deny me for different reasons - HELP ME! please investigate this matter with ASC

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is foreclosing on me. My husband died in 2013 he served in XXXX, but the courts and the bank want me out and they r gon na enter my home and take all my posesson 's as well. 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 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reported a fraud charge on my credit card made on XX/XX/2023 for {$640.00}, I was credited for the amount and then charged back again for the amount. I contacted my credit card company multiple times stating it was a fraudulent charge they called the merchant XXXX and they claim its a valid charge but Im telling them its a fraudulent charge and the credit card company capital one is holding me responsible for the {$640.00}. They dont care for my safety as a consumer and wont protect my account but will gladly hold me accountable to pay for a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I first recieved a call from an UNKOWN number, I picked up and a man answered, when I asked him the reason for the Call he said my name and asked me to acknowldege if it was me. He said he was with a processing company and that they were trying to reach me so that they could serve me with papers for reasons that he was not able to say, he gave me a number to the law firm attempting to provide me with summons papers. XXXX I called this number and gave them the case # that the man had provided, they pulled me up and transfered me to their " Legal Dept '' where a lady named XXXX XXXX picked up and told me about a debt that I had never even heard of. A Wachovia bank acct overdrawn {$1600.00} ... she said if I did not pay that I would be sued and taken to court. She then offerd me a settlement of {$750.00} dollars and asked for my EMAIL so i could send her the contract with my credit card information, afraid for my credit score I complied and gave her my email address, after she said if taken to court that I would end up spending thousands more. I called my father and he immediatley understood this was a scam he advised me to file an FTC complaint and advised me not to send these people a single dollar. I am writing this in hopes that some type of action can be taken against these people to prevent innoncent consumers fron buying into these disrgraceful practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello-I was recently charged an overdraft fee of {$35.00} XXXX times on the same day by Wells Fargo. I called Wells Fargo to explain that in more than 8 years I 've had my checking account with them, I have never been overdraft. In fact I never had overdraft protection in the first place. However they refused to waive any fees and continued to insist that they have to charge me XXXX times for my XXXX account being overdraft. This is reckless behavior by a big bank. Wells Fargo does not provide any way for me to see my overdraft settings online or give me the ability to turn it off. I get no email alerts if my account goes overdraft or if a customer service person turns on my overdraft settings without my knowledge. So I am asked to pay {$100.00} for a service that I can not see I have, have no ability to turn on/off online, and I am not alerted to its status. I ask you help to have these charges waived. Below are the overdraft transaction amounts and date XXXX - $ XXXX - $ XXXX - $ XXXXThanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: AMERICAN HONDA FINANCE CORP
State: GA
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:
There is a 30-Day late payment on my credit reports with XXXX, XXXX, and XXXX for the month of XX/XX/, which should not be there, pursuant 15 USC 1681a 2 ( A ) ( i ). I am asking that this 30-day late payment be removed immediately before I seek litigation and pursue damages of {$1000.00} per occurrence. Please comply and remove this inaccurate information from my credit reports with XXXX, XXXX, and XXXX within 10 days from this dispute. Thanking you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, we refinanced our home. That mtg. company subsequently sold our loan to Wells Fargo without notifying us. We kept paying the mortgage to the old company and they were forwarding to Wells Fargo without our knowledge. When they stopped forwarding the money, we heard from Wells Fargo about our payment being late. XXXX of the credit bureaus has fixed this issue on our credit, but the other XXXX still have n't. Please help us with the other XXXX credit bureaus, as we would like to refinance.

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 2015-09-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband lost his job in XXXX weeks before we closed on our house and we tried to pull out of the loan and instead they told us they would open up a home equity line to help us pay the mortgage until we were back on our feet we ended up financing almost 100 % of the home price We tried renegotiating the loan several times to get rid of the home equity line because we were only able to pay the interest on it but because of declining home prices and the economy no one would touch our mortgage I had to close my business and XXXX and file an LLC chapter XXXX I reaffirmed both the mortgage and the home equity line however when we tried for a loan modification in XXXX XXXX I suddenly started receiving letters about a bankruptcy and charge off of our home equity line when I looked at my credit report I noticed it was reported to the credit agencies that the home equity line was included in the bankruptcy and it was not I contacted Wells Fargo about it and the credit agencies but Wells Fargo insisted that it was not reaffirmed even though I sent proof to them and the credit agencies then they told me the credit line was charged off and if I wanted to continue to pay it there would be no more interest accrued and I would be paying down the principal My credit score declined after they reported this now we received a letter stating that the equity line is in a repayment process and we must start painting paying {$350.00} a month in XXXX we have been waiting to hear the outcome of our loan modification since XXXX XXXX and have been getting a run around ever cents please helpWe owe {$270000.00} on the house plus an additional XXXX on the line of credit and the house next-door to us just sold for $ XXXX applying for the home modification we were advised by Wells Fargo home preservation specialist to become a month behind on our mortgage or it would look like we were able to pay the mortgage and we would have a better chance of the modification if we were behind in payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: General Motors Financial Company, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a 472K payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Debt Management Partners LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to debt management partners LLC who sold it XXXX that they are the ones with the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: WESTERN UNION COMPANY, THE
State: AL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent {$800.00} by Western Union to my friend who was robbed while vacationing in XXXX. She presented here passport as Identification and the agent had her fill out and sign ( before receiving the cash ) all the paperwork. The agent then called the store manager over to give here the cash because the amount was too high for here to disperse. The manager again inspected here passport and then refused to give her the money because her middle name was on her passport, but not on the money transfer. They then told her that the transfer would be cancelled and I would have to resend it. When I went online to resend it, the transfer was listed as being received by my friend. I then contacted Western Union by phone and was told that it had not been canceled and it had defiantly been picked up. After talking to several more people on that call I was told that the agents in XXXX must have made a mistake and not cancelled the transaction. My friend went back to the agents in XXXX and told them this and they said she was wrong, the transfer had been cancelled. She requested that they call Western Union and talk to them to figure out what was going on and they refused. This transfer was on the XXXX of XXXX, 2016, and ever since then I, and my friend have been trying to get this corrected and find out where the money went. Western Union asked if I would like a formal investigation of this transaction and I told them to do so. Since that time I have heard nothing and am unable to reach anyone that can tell me any information about the investigation, or if the investigation is even occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: Earm LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Implying they are from a legitimate government agency and threatening to notify police to serve me at my place of employment if I did not pay by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
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: Public record information inaccurate

Complaint:
In     2015   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX   XXXX     and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the  one  I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks late r on    XX/XX/2015    th ey took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien o n    XX/XX/2015 . I  have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disp uted this Public r ecord with all three creditors and it is still on my credit reports.

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 2023-08-15
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I already filed a complaint with the CFPB, which was responded to by XXXX. The complaint number is XXXX. 

The company did not apply the law properly. 
I request to be provided with the IRS statute and exact Code of Federal Regulation title and section that states that where a mistaken transaction has occurred that XXXX may not cancel or reverse a transaction and must report it to the IRS. 

Recommend this be sent to legal dept as the law is not being applied properly.

Company response to consumer: Closed with explanation