BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been threatened by my bank of over 40 years by a XXXX . XXXX XXXX of Wells Fargo of XXXX XXXX. I have never cause any issues but the manager stated he will not give me any further monies back from a bank error. attached is one of many communications between myself and Wells Fargo. 
This bank has sent me a credit card every week for months and one they gave me I objected to in order to get a spending card ( a prepaid card for online purchases ) which I required. Then the very next month they took out {$4500.00} via all my checking account money and some overdraft money! Then it took them 1 year and two weeks to pay me back. Even as the manager stated in XXXX, XXXX " Shame shame on us '' this is a very bad mistake. I sent out a letter to the bank executives here in XXXX XXXXXXXXXXXX Branch Manager XXXXXXXXXXXX District Manager XXXXXXXXXXXX Area President XXXXXXXXXXXX Lead Region President XXXXXXXXXXXX XXXX Vice President Community Banking XXXXXXXXXXXX Chairman & CEO and they assisted in this matter and stated thanks for being patience but then a new manager XXXX as mentioned earlier stated that I must never return to the XXXX branch and that that 's all the money he or the bank would pay me for the mishap. Then my home loan was taken from XXXX approx. a month to XXXX a month for the remainder of the loan. The home was purchase and loaned on by wells fargo in XXXX and in 16 years only XXXX was every paid off and we made some double payments in XXXX while we were there in XXXX to XXXX This has been and is only getting worse with Wells Fargo and I have been a customer since XXXX 's to today almost 40years. thereabouts Please would someone help advise us? Would like advise for checking- home loan and missing income. 
XXXX XXXX XXXX XXXX Vet 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 2020-08-12
Company: AMERICAN EXPRESS COMPANY
State: WA
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 have disputed accounts on my credit report as identity theft with XXXX  several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of 2020. The items reporting are for 2 AMEX accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted XXXX XXXX XXXX whom AMEX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. 

I have submitted a police report and other documents to XXXX, AMEX, and XXXX XXXX XXXX yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. 

I have even contacted both AMEX and XXXX XXXX XXXX directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow XXXX  has said they have verified them as valid. The only documents AMEX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. 

This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello, my name is XXXX XXXX XXXX. Here 's the issue - I have a delinquent credit card with Wells Fargo. About 15 years ago, I opened a checking account with Wachovia ( account ending XXXX ). My sister, XXXX XXXX XXXX was added to my checking back 12+ years ago for convenience. I branched off and opened a different primary checking with another financial institution. Subsequently, around XXXX or XXXX, I opened the now delinquent credit card ( account ending XXXX ) and was pitched to open another checking account with Wells in order to receive the Wells credit card. Unfortunately, a divorce caused me to cancel the primary checking w/Wells Fargo and then began to struggle with credit card payments. For more than 12+ years, XXXX XXXX has maintained the Wachovia checking account ( account ending XXXX ) and has remained in good standing. I do not have access to the account ( no debit card, no related transactions whatsoever in more than a decade ). She has had direct payroll deposits into this account and all her financial dealings through Wells Fargo. On XXXX/XXXX/XXXX Wells Fargo took her entire paycheck, forcing her into financially compromising position. Wells justified its actions by stating because I was listed as primary on the checking account, it has full authority to take my sister 's funds to pay my debt. She has been an excellent customer for Wells Fargo. Wells was very clear that they were not taking XXXX funds, but XXXX entire balance plus her payroll direct deposit. This is not a fair or ethical practice. They have crippled an honest customer that never had anything to do with the delinquent credit card. She never had a card in her name or made a single charge relating to this debt. Now, however, she has been punished. What type of recourse do we have? Should we get an attorney? Wells ' ethical statement reads : Wells Fargo 's reputation as one of the world 's great companies for integrity and principled performance depends on our doing the right thing, in the right way, and complying with the laws, rules and regulations that govern our business. We earn trust by behaving ethically and holding all team members and directors accountable for the decisions we make and the actions we take. The Code of Ethics and Business Conduct ( PDF ) serves to guide the actions and decisions of our team members, including executive officers, and directors consistent with our company vision and values.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: MI
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 XXXX  IS REPORTING AN ALLEGED DEBT TO MY CREDITOR REPORT AS THE COMPANY IS STATING I OWE A DEBT THAT DOES NOT EXIST. I PUT DOWN A SECURED {$400.00} for CREDIT CARD AND NEVER RECEIVED A DEPOSIT BACK AFTER 6 MONTHS, ALSO XXXX HAS REVERSED THE ACCOUT INTO A NEGATIVE BALANCE OF {$830.00} DOLLARS. XXXX XXXX IS PRACTICING UNLAWFUL ABUSIVE BEHAVIOR TOWARDS ME AS A CONSUMER ACCORDING TO 1026.11 - Treatment of Credit Balances ; Account Termination Paragraph 11 ( a ) ( 3 ) XXXX. Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. 

XXXX. Good faith effort unsuccessful. Section 1026.11 imposes no further duties on the creditor if a good faith effort to return the balance is unsuccessful. The ultimate disposition of the credit balance ( or any credit balance of {$1.00} or less ) is to be determined under other applicable law. 
11 ( b ) Account Termination Paragraph 11 ( b ) ( 1 ) XXXX. Expiration date. The credit agreement determines whether or not an open-end plan has a stated expiration ( maturity ) date. Creditors that offer accounts with no stated expiration date are prohibited from terminating those accounts solely because a consumer does not incur a finance charge, even if credit cards or other access devices associated with the account expire after a stated period. Creditors may still terminate such accounts for inactivity consistent with 1026.11 ( b ) ( XXXX ). 

11 ( c ) Timely Settlement of Estate Debts

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 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
In XX/XX/2020 I had reached out to Capital one with the issue of not being able to pay my monthly bill on time due to the Covid-19 issue going on. I had been out of work for 3 weeks so money was tight. When I called them I was told my next payment of {$240.00} was due on XX/XX/XXXX. I was not able to make a payment of {$240.00} on XX/XX/XXXX but did so on XX/XX/XXXX with a payment of {$250.00} bringing my account current. My account was marked 30 days late in XXXX even after I had talked to them about pushing my payments back and still bringing my account current during that month. I reached out to the company again trying to plan with them I am a XXXX veteran trying to buy a home and because of this mishap it brought my credit scpr down over 100 points. After speaking with 2 different representatives both of them  came to the same conclusion that there was nothing they can do. Even after all of their heartfelt Covid 19 relief messages they are there for no one but their selfs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing you again for the XXXX time because NFCU is continuing to report erroneous information to my credit profile. NFCU is attempting to report foreclosed information to my credit report after the 7 year reporting period by changing the date of delinquency on my accounts. The first date of delinquency is the date of my bankruptcy. After 7 years, NFCU is required by law to stop reporting on these account all together XXXX the Fair Credit Reporting Act. They are also labeling these accounts as being open and active when they are bankrupted accounts and should be labeled as such. They have updated and re-aged the accounts in order to continuing reporting on it outside of the 7 year period. Any status regarding these accounts outside of the 7 year period should not be reporting. NFCU actions have caused my credit score to decline and increasing in my premiums for insurance and utility services. I have disputed these item with the credit bureaus and have sent correspondence directly to NFCU for correction only to have them corrected when under fire and re-reported a couple of months later. I am requesting that NFCU stop harassing me by means of the credit system. This is a deliberate act because they have been warned by me, my attorney, XXXX and CFPB have sent them correspondence regarding this matter in the past. I am requesting that NFCU cease from reporting on any and all account included in my XXXX 2008 bankruptcy and submit accurate account data to the XXXX credit bureaus. This is my third and final request. Legal action will be taken XXXX the FCRA. 

*They have also removed the account from my report in the past, but added it back after a few months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I now have a negative balance of over {$200.00} a check was posted to my account for {$86.00} Wells Fargo then decided to charge an overdraft fee for a {$7.00} debt which set in a charge of {$35.00} of which set my {$86.00} into a negative of which they charged a {$35.00} fee for that then they reversed my check of which set off yet another {$35.00} overdraft charge I am annoyed with these fraudulent charges and practices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got scam by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX told me to send her {$650.00} via XXXX  XXXX  on XXXX. I was able to sent {$400.00} via XXXX  XXXX  the XXXX XXXX was adamant that I need to send her {$250.00} to complete the total of {$650.00} via venmo. I paid the total amount of {$650.00} for XXXX  reading and XXXX  since she was going to remove the XXXX  on me. On XXXX XXXX XXXX called me again that I need to put {$2500.00} downpayment for the materials she needs and the church is helping to remove the XXXX  but I need to put {$2500.00} as downpayment and she will return my money within 10days I sent the money through venmo. Since venmo has no limit consumer protection program I was able to send {$2500.00} to XXXX XXXX. After I noticed that she just scammed me I filed a report with venmo if they can return my money back and venmo denied my dispute. Something needs to get done with the scammer and venmo and XXXX  XXXX  need to have a better proctection to protect innocent customer like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Complaint XXXX ; Chrysler Capital responded to my complaint however the problem still remains they attached a copy of the contract however which did not state that the loan would not be re-amortized after GAP by not doing so they changed the date of payoff as set forth in the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Once XXXX XXXX, 2016, When I received notice that a XXXX XXXX bill was in collections. I immediately called the agency to verify this account. I provide my full name, address, and social security number and the representative was not able to locate an account with the information I provided. She informed to send and email to XXXXXXXXXXXX with a snapshot of the account on my credit report. I also included a validation request to show proof that I owe XXXX XXXX XXXX for the amount of XXXX. I did not get a response to my email and I called once again to be told the same information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: Account Discovery Systems, LLC
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Account Discovery Systems had called my employer after I specifically requested them not to. I work for a XXXX and not only did they contact the XXXX I work at but the XXXX district! I am mortified as I am attempting to get a full time XXXX there next year ( I am an XXXX now ) .This has made me look really bad. They have sent several calls to my husband as well as his mother and father who have nothing to do with my personal debt. Now they know and call me asking why creditors are calling them! I feel harassed. I told them I would pay them when I have money but I do n't right now. They have even threatened to have me sign a form that they will give to my employer to garnish my wagesI did n't even know this was legally possibly unless thy pursued a court case against me which they have not.I ca n't sleep at night because of the XXXX of having to come up with the money to pay them so they can quit harassing me. All I want is for them to stop violating my privacy and calling my employer and my husband and his family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
Hello, I am filing a complaint with the Consumer Financial Protection Bureau against Capital One because the bank has not cooperated with me. They have caused undue hardship for me. 

Between XXXX XXXX, XXXX and XXXX XXXX, I was overseas in a XXXX. At the time, I had closed my XXXX account and had no XXXX account to make an electronic payment to Capital One. In XXXX, I chatted with Capital One and attempted to make a payment. The representative gave me an ID payment number, however, when I went to a bank location in XXXX to try to make a payment, they said they do not work with Capital One and I was therefore unable to make a payment. I have also tried to call Capital One multiple times to resolve this issue, but international phone calls were extremely spotty at best. 

On XXXX XXXX, XXXX, I made a phone call to Capital One, having arrived back to the US, in an effort to make an electronic payment to my credit cards. The representative at first said I would make a payment of {$48.00} and that would have been satisfactory until the XXXX, which is when I get my paycheck to pay off the rest. Then, the representative said I was 120 days late and Capital One would lock my account. The representative was a bit " wishy-washy '' and was not specific. It caused me a great deal of confusion. There was no extension to work with my account issues and I was afraid even if I made a payment, the account would have been locked regardless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a purchase with my cashapp card and few days later I returned items for a refund. Seller issued refund to my cashapp card and claimed it would be a few days and I would see my refund. It has been 40 plus days and I do not see my refund. Cashapp claims to deny it. Im not happy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Wells Fargo has done this to me once back in 2020 saying i never made a car payment. They took the money out of my bank account but never applied it to the loan : this made my credit score drop 40 something points back in XXXX of 2020. Wells Fargo did this again to my last car payment for this loan where they took the money out of my bank account and they never applied it to my final loan payment. I have not yet received my pink slip for the car and now my credit score has once again dropped 42 points. They never resolved the issue of my credit score they only apologized. Being a XXXX XXXX my credit score means a lot because I want to be able to buy a nice house or move into a better apartment and seeing how they need to have a credit score at a certain number Wells Fargo has tainted that for me. I do not qualify to apply for a new apartment since the credit scores ask for a score of 650 or higher. I would really hope you can resolved this as I have bank statements and receipts of payment for every single car payment I made to them. I was never once late for this car loan.

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 2020-08-12
Company: Professional Recovery Management
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: Their investigation did not fix an error on your report

Complaint:
I got my credit report and fox collection is reporting I owe XXXX 
And am not sure why I never conducted business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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