BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
To Whom It May Concern ; Dear Sir/MadamI needed to pay XXXX AED to a lawyer in XXXX from my bank account that I have with Wells Fargo. This is not something that I usually do on my daily banking so I was not familiar or had any experience beforehand. 
I stopped by at a local branch located at XXXX XXXX XXXX XXXX XXXX, VA, XXXX to do the transfer. 
The exchange rate the branch gave me was XXXX for XXXX US dollar to which I agreed to since I thought Wells Fargo as a bank should have comparative rate that should be comparable to any other bank or any other financial services like XXXX XXXX who offer money transfer. 
I then sent the receipt to my lawyer as for informing them that money has been sent. 
I then received a phone call from them that the rate at which I converted my Dollar was very low and never saw anything like this in the history of all the exchanges that has ever been done. 
That raised a question why Wells Fargo offered such low exchange rate so I started to investigate. 
I first checked with apple federal credit union bank to find out what their rate was. 
I was told they do n't do exchange at their branch at all, instead they send the money in form of Dollar and the exchange will happen in XXXX at at receiving bank. 
I then checked the rate in XXXX and found out the exchange rate there is XXXX for each US dollar. 
I then checked XXXX XXXX and noticed their rate is XXXX and has always been like that. 
pleas consider that XXXX has a strong economy and their exchange rate does not fluctuate much. 
Had I sent the money with XXXX XXXX XXXX XXXX, I would have sent {$13000.00} or {$13000.00} if I had used XXXX XXXX. 
I ended up paying {$14000.00}, {$330.00} ~ {$450.00} more just because I used wells Fargo Bank. 
Apparently, Wells Fargo in addition of {$35.00} Wire transfer fee, is making between {$300.00} to {$500.00} as hidden fee by buying Dollar at lower exchange rate, XXXX, and selling it at higher rate, XXXX XXXX. 
I have also attached the history of Dollar to XXXX exchange rate that shows the min and max rate for about a week ago that shows the rate was never near XXXX. 
I request a refund be issued according to correct exchange rate that has always been used internationally to convert USD to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made few claims and Wells Fargo approved them in writing. Wells Fargo informed me that my " account should be credited in the amount of $ XXXX within XXXX business days ''. However, that did not happen. I communicated with Wells Fargo and I posted on their XXXX and they kept delaying me and wasting my time. I still have all my proofs in writing that Wells Fargo can never be able to deny. The amounts are : {$12.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$17.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$16.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$24.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] I am kindly requesting your help to be able to receive the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-12
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I over drafted my account but was charged overdraft fees for two consecutive days. 
I called on the first day and was told what items were subject to the fees. 
Then when I called they tried to double talk me. I 'm not stupid. I think this may have happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
SUMMARY : TCF intently setup a system to rip-off customers by delaying and manipulating the posting of transactions as a strategy to unfairly deceive for financial gains. 
XXXX TCF intently set up a system to rip off customers by delaying and manipulating the posting of transactions as a strategy to to find opportunistic time to charge unauthorized fees. I have called to complain to TCF on each of the different fee charges below and request that the fees get reversed, but they simply refuse to listen. I do n't understand how such a practice can be legal. Here are the fees charged and the dates they where charged on the accounts end in XXXX & a recently closed account. 

Acct -- -- -Dates XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX funny thing is, for many of the transactions that resulted in those fees, right before issuing the transaction, I would check my bank account, see that there 's enough fund to cover the transactions, only to find the next day that TCF had something else under their sleeves. In most cases, TCF would claim that yes you did have enough fund in your account at the time, but your deposited checks did n't clear in time to cover the currently issued transactions and those " delayed '' transaction that never did show up in the first place. They pick and choose, when or what time to post transactions as a " delaying strategy '' to intently charge unwarranted fees. That 's a clear definition of Unfair and Deceptive Practice. Especially that when all these fees are being accessed, at least XXXX of the accounts ( checking or savings ) always has enough fund to cover for any transactions that may have been issued by me ; but TCF asks for fees every time they would be put in place to process a transfer from your own account to cover a transaction from one account to another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Provision of inconsistent, unclear information regarding required steps associated with management of account on behalf of mother 's estate in relation to joint account held by designated executor and mother, and refusal to negotiate deposit of third party check from FDIC ensured bank. Details : After my mother 's death on XXXX XXXX, XXXX, I went to local Wells Fargo XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) on XXXX XXXX, XXXX to provide bank with notice of death, provided an original copy of the death certificate, closed my mother 's credit card and debit card, and request information regarding any additional steps I would need to take with the bank as designated executor under my mother 's will ( and named joint account holder ). I was told no further action was required on my part. In course of managing my mother 's state, o/a XXXX XXXX, XXXX, I identified a possible fraudulent charge against the joint checking account, went to local bank ( XXXX XXXX location, XXXX ) ; reported this to banker, who contacted fraud line and also at my request, asked for verification that death certificate had been processed. The banker stated that the unit she was speaking to stated it had not been processed, and then indicated the unit had also informed her that I would not be permitted to deposit a check ( in the amount of XXXX ) from a third party bank check written to my mother 's estate unless I presented a " certificate '' for the court where her will was probated. I asked for clarification regarding the nature/type of certification, and was told that again I needed to present a " certificate '' and set up a separate estate account as well. I was also informed that Wells Fargo was not obligated to negotiate any items under a deceased party 's name absent the " certificate '', would not accept a certified copy of the probated will or any other documentation apart from the " certificate '', and would not accept the deposit. I indicated that the documentation being requested was unclear, that I had received no information to this effect from the XXXX branch, and indicated that I would be contacting the CFPB with a complaint regarding failure to provide clear, written policy information when requested. At this juncture, the unit speaking to the banker said they were escalating my inquiry to another unit. At no time was I permitted to speak directly with the contacted units, although the banker asked if I could and indicated to me that the unit would not speak directly with customers and now legal counsel would be involved. I was also admonished that the bank would need to investigate further.

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 2015-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX and I am trying to find out from Wells Fargo Home Mortgage why has my mortgage payment went from {$860.00} to {$1300.00}. The Loan Number for this complaint is : XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA. XXXX. 
I need a complete detailed break down of all charges that Wells Fargo Home Mortgage is charging me for this mortgage including any escrow charges and any Escrow disclosures explaining exactly why my mortgage went from {$860.00} per month to {$1300.00} .If this charge or any charges on this mortgage are incorrect or in error or misapplied by Wells Fargo Home Mortgage please immediately send directly a refund by check to me and my husband. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Complaint No. XXXX XXXX XXXX, ASC Executive Resolution Specialist, is deceptive and abusive. I am at extreme high risk of loosing my only and primary home XXXX located at XXXX XXXX XXXX, XXXX, Massachusetts XXXX as a result in how my Transfer of Service is being handled. There is no truth to the information that ASC is providing to XXXX. The Consumer Financial Protection Bureau XXXX ( CFPB ) XX/XX/2013, dated XX/XX/2013 issued a guidance for servicers, including and not limited to America 's Servicing Company, in how to address the potential risks to consumers that may arise in connection with transfers of servicing. The CFPB explained in the article that servicing transfers are common, and may occur in several ways. I have 2 questions to be answered : 1. What Process of Service Transfer did America 's Servicing Company use? ( Please Prepare and Submit an informational Plan ) 2. Why, as the consumer, am I not aware of your procedure? ( Please prepare and submit an informational statement ) XXXX is under the assumption that the Service Transfer is complete. Documents enclosed.

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 2016-08-25
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX 2016 when my VA Loan Modification was implemented and Approved First Continental /XXXX has n't updated my XXXX, XXXX and XXXX Credit report .My New VA Mortgage monthly payments of {$1700.00} is not been reported to all XXXX Credit Reporting Agencies .Why? 
I am respectfully making my VA Mortgage payments on time and I like to receive credit and my credit scores to be elevated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Arbitration

Complaint:
I have purchased many items from XXXX on my Chase credit card. Many items are defective or fraudulently described or I have been overchargedor charged for items I did not order. Chase VISA has not been helping

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have several fraudulent inquiries that I asked Equifax to dispute but refused to do, made several attempts online and my phone to dispute these inquiries. I was told it was factual data and was n't giving any written proof of any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXXt XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2015-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian send back results as if I was only questioning the dispute process, when in reality I send A dispute letter asking Experian company to verify negative unverifiable information from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I received a copy of my Equifax credit report earlier this year with several inaccuracies listed. I then disputed that particular information. Initially all of the errors were deleted including hard inquiries that were not authorized by me. Now several months later, the items have reappeared. I have asked for them to re-investigate as well as provide VALIDATION/VERIFICATION that the debt is mine and copies of the documents that they have in their files. They have failed to provide me with any information neither will they remove the inaccuracies which is clearly in violation of Section 611 ( 5 ) ( A ) of the FCRA. I do not give anyone permission to publish incorrect information on my credit file. They also failed to notify me within the 5 day period that the law allows that those items would be added back to my credit report. As you will see on the attached letters, I have asked several times for them to remove the unverified and previously deleted items. I have also asked on previous letters for them to remove inaccurate addresses and name variations. If my name and addresses are incorrect, how are they so certain that the negative information is correct? After several attempts, even sending them a copy of my drivers license Equifax refuses to update my surname to reflect XXXX. I have never been associated with the surname XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I currently have a dispute regarding the same item submitted on XXXX XXXX, XXXX. I have student loans which were one point with XXXX. These loans went into default for a XXXX months back in XXXX. I executed a rehabilitation agreement in XXXX and finished the program. As such, I noticed on my credit report that XXXX who did not service my loans placed on my credit report an incorrect amount, late tradelines, negative information, incorrect negative collection information for the time period of XXXX? This is not accurate nor did this organization service my loan in this time period. However, when I investigated the same with Equifax I received nothing back from them regarding my disputes. I also sent letters back in XXXX for the company to remove the tradeline, as well? I received nothing. When writing to Equifax several time I include both XXXX and XXXX disputes as they are XXXX incorrectly reporting. Here are my equifax dispute numbers : As you can see I never received results as to XXXX complaints. This seems to be an ongoing problem. 

XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) - XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: EQUIFAX, INC.
State: NY
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:
this account was never delinquent this's my school loan please removed all late from this account please DEPT OF ED/XXXX  Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, PA  XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00}  Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Experian to dispute items that I did not recall or recognize on my credit report. I requested that documentation ( i.e contracts or agreements to pay ) with my signature be provided to me to validate that the accounts were mine. I received a summary of disputes, bot not one piece of information validating that any of these accounts belong to me. It is my belief that these accounts can not be validated and that is why the information I requested was not sent to me. It has been over 30 days since I requested this 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 non-monetary relief
Consumer complaint received 2015-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.

Company response to consumer: Closed with explanation