BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Wells Fargo refuses to answer my questions. Please see my response to their answer below and they closed the case without responding. CONSUMER DISPUTED COMPANY 'S RESPONSE? Yes CONSUMER DISPUTED DATE AND TIME XX/XX/2017 XXXX ET CONSUMER RESPONSE XXXX XXXX, Senior Correspondent Specialist at Wells Fargo, still does not understand the issue and has provided factually wrong information in the reply. Factually Correct : Yes, I got a call from Wells Fargo ( wire division branch and unfortunately did not note down his name ) saying they were still investigating why Wells Fargo, as the intermediary branch in one transaction, had deducted {$30.00}. Her clearly understood the nature of my inquiry- that Wells Fargo was the intermediary bank and  WF should be able to explain or track down the {$30.00} charge. At NO time did I ever accept and said I understood the explanation- a claim falsely made by XXXX XXXX. Factually Wrong : From the explanation given by XXXX XXXX he/she still puts the blame on the Intermediary Bank. How many times do I have to state and explain that in one of the two transactions the intermediary bank IS  Wells Fargo.  XXXX XXXX, the branch manager and the gentlemen who called me on XX/XX/XXXX understand this clearly. He is looking into to find the answers so this matter is NOT closed and I shall await the explanation of fees charged. The transparency issue still remains. XXXX XXXX is located at the following Wells Fargo Office Customer Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2015-07-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a XXXX year old XXXX who lives alone. I have XXXX debt and an XXXX credit score. For almost XXXX years I have been receiving countless robo calls from TransWorld Systems , Inc . It identifies itself as a debt collection company and that the purpose of the call is to attempt to collect a debt. My telephone caller ID always shows the company name as " unavailable ''. I never answer these calls. I also have never received anything in writing about any alleged debt. When I google this company, I see many other complaints about its tactics and ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have responded XXXX to their demand letters asking for validation of debt. They have not provided it and continue to delay by asking for more information from me. I have provide their account number and my name to them, and that has not been enough for them to validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
American Express delivered my XXXX pre-paid cards to the wrong address. Even though I called them multiple times to suspend those pre-paid card and reshipped the pre-paid card, they still allowed the pre-paid card to be used and refused to reship the new cards to me. Eventually, I have to dispute the transaction. However, by doing this, I was charged {$95.00} annual fee without getting the promotion points as I was past the due date to be qualified for the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
This company is holding my funds in the amount of {$3100.00} and my account has bwen closed for over 30 days and they still have n't sent my check they say they are waiting for some pending disputes to finalize but nowhere in there terms and agreements does it say they can hold your funds until it is finished. If I do n't receive my check in 7 business days I will file a lawsuit against american express for breach and contract and many other legal laws they have broke in holding customers money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a check At Branch # XXXX XXXX Wells Fargo in the amount of {$98000.00} on XX/XX/2022. the branch manager XXXX assisted me and informed me funds will be available for withdraw on XX/XX/2022, but to give a few days to be processed completely.. The next day on XX/XX/2022 my account was put on hold due the fraud. I called and the man from fraud department said he called the company and they said they did not write check.. the man was only away for a few minutes not enough time to speak with someone. Also the business was closed at the time and the owner was not present... I received check from the business it has a chip in it so the man lied to me on the phone... he said my funds will be released XXXX I received not funds yet. I was charged {$5.00} fee for the check form wells fargo. My statements show that the funds are available also this is recorded on my connected apps.. this is the second time wells fargo has violated the codes and regulations and my consumer rights... The image of my check is not my check it is deposit information... I am attaching proof of this claim. This is UNACCEPTABLE!!!! Please help me in getting this problem solved... Now wells Farg is closing my account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MARINER FINANCE , LLC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been closed since XXXX and the company keeps reselling to someone else to put it back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX  Account XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to stop hard copy statements for my mortgage loan. My mortgage servicer is telling me that they can not stop them, as CFPB and " the law '' require them. I have no doubt that this is true, but I do think it is stupid. Is this actually required by the law, or was it just included in one of the implementing regulations? Can you give me any insight as to why the Government regulations are requiring the waste of paper and the increased costs of printing, postage, and distribution of something I do n't need or want?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2022 my bank balance was current and showed a postive balance on my online banking protal. US Bank charged me exesive overdraft fees. The overdraft fees essentially trigered my balanace to go negative which then resulted in more overdraft fees and NSF Fees totaling over XXXX. This is a finaicnal burden and misleading financial practices.

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 2022-11-10
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Called Fedloan on XX/XX/2022 to ask for forgiveness for loan payments made during the COVID-19 pandemic. The customer service representative said she had submitted my application and that the payments would be refunded in the next 2 weeks to 2 months. Called back today, XX/XX/2022, to be told that I had to contact a different company, XXXX, and that Fedloan had done nothing for my case. The original customer service person lied to me and left me several months behind on this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. This is my tacking from USPS mail from XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX veteran when they denied the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage home equity line of credit with USAA Federal Savings Bank and in XXXX the account was charged off. In XXXX, they gave me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX was issued. It has affected all my financing since XXXX due to this fact.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a checking account XXXX that was being charged a fee of {$40.00} and {$41.00} that I'm soposed to have in my banking account because of the measure was reported to the XXXX  XXXXXXXX to resolve the dispute to the bank Capital One with the account ending in XXXX checking. The dispute is wrong fee charged to me for my checking account and is in the total of {$82.00} along with the two charges of {$0.00} and {$0.00} dollars to a total of {$82.00} from the dates XX/XX/XXXX and the dispute charges were given on XX/XX/XXXX as a whole and then taken on the XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of violent crime. I am not responsible for this 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 non-monetary relief
Consumer complaint received 2016-09-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
American Express had a promotion for signing up for a Platinum Card ( {$450.00} annual fee ), the promotion was that if I spent {$3000.00} in the first three months of the card I would get XXXX American Express Membership reward points. I signed up and met the {$3000.00} threshold in the first month, in fact spent {$4000.00} on XXXX transaction ( football tickets ). American express promptly credited me with XXXX Membership Reward points to my account ( XXXX/XXXX/16 ). 

Recently ( XXXX/XXXX/16 ) they took back the XXXX points in my account saying that I committed fraud to get the points and they were taking them back. At no time did I commit fraud, the only event that happened since earning the points was that I downgraded the Platinum Card to an Everyday American Express card. The reason I did this is that I discovered I would not be accepting a new job where the travel benefits of the Platinum card would be beneficial to me. At the time of cancelling the Platinum Card, I explicitly asked the American Express rep in our chat if I would lose the points by cancelling. The rep for AMEX said that I would keep all the points since I am maintaining the AMEX everyday card. This was a chat conversation that I know AMEX has the records to look up the exact conversation with details. Clearly I was lied to by this AMEX rep and would have kept the card open if the rep told me by cancelling I would lose the points. Which they did not! 

Upon having the points clawed back I contacted AMEX on why this happened and if they could fix it. AMEX would only respond that it was fraud with no specifics or evidence and they could not do anything to get my Membership Rewards points. I am a 20 years customer of AMEX and not some alleged Grifter. I feel that AMEX has committed their own fraud by not fulfilling their obligation of my XXXX Membership Rewards points offer. Furthermore, even when clarifying the situation before cancelling the Platinum Card, they lied again by telling me that I would keep my points by downgrading to the AMEX Everyday card. 

AMEX should honor their offer and reinstate my XXXX points as they are the only party committed fraud here by not honoring their own offer obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: U.S. BANCORP
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I check my account every morning and noticed overdraft fees on my account. I called US bank to help with the issue and had little to no help in answering my question or helping with my issue. I have XXXX accounts and transferred money when I noticed XXXX overdrawn by XXXX. Although I did this I still got charged. I haved banked with this bank for years and yet I could not get them to help me in any way. I had no issue with the fee associated with the XXXX but not the others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, I sent a letter to XXXX, TransUnion, and XXXX  to dispute to 2 public record accounts XXXX XXXX XXXX, 2 collection accounts from XXXX XXXX and 16 inquiries in total which is in violation of FCRA 15 USC 1681b ( a ) ( 2 ) : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is also a violation of FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681a ( b ) defines person as : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

I am the consumer in fact and I never gave anyone permission to furnish my information. No consent is identity theft.

The person or persons who invaded my privacy are fault via FCRA 15 USC 1681 ( a ) ( 4 ).

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 2015-06-15
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted this company via US mail in attempt to get them to validate this debt. The company has not responded nor provided debt validation. they have reported this account to all XXXX credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Raduis Global Solutions at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX says that I owe {$660.00}. When I called them at ( XXXX ) XXXX it was very sketchy. The phone didnt ring. Someone connected right away and told me I owed money. They didnt ask me for account number or phone number. They just started talking about what I owed. He repeated my last digits of my social and said that he was going to send me over to the fraud department. He never put me on hold he said nvm he cant no ones available he asked me if I wanted to call back. I said yes and hung up. This was on XX/XX/2022 at XXXX. 

I then called XXXX XXXX XXXX fraud department who I asked to look up the account number on the collections notice I received from Radius Global Solutions and they said the account no. didnt come up as any accounts. They asked me my name and said my name didnt belong to any accounts. They even looked up my email address and it didnt belong to any accounts. 

The fraud department at XXXX XXXX XXXX was concerned that this was fraud so they sent me to the mobility department at XXXX XXXX XXXX who did not understand anything I was saying but saw that I had an account in the system under my current phone number. Which Ive never had XXXX XXXX XXXX I just got this phone number a few weeks ago. Mobility transferred me to the XXXX XXXX XXXX XXXX department who said I also had a prepaid account under this phone number and but they said the account was inactive and they were not able to tell me anything else. 

Please help me. I dont want my social security number taken. Im struggling in this world as it is. I dont want to have the little bit that I have taken away from me. Please look into this. Idk whats going on. Ive never had XXXX XXXX XXXX a day in my life and I always pay my bills, I dont owe anything! And I work really hard to keep my XXXX XXXX good. Please help. 

I want this fake account close. The prepaid number I called for XXXX XXXX XXXX was ( XXXX ) XXXX. XXXX & XXXX customer service number ( XXXX ) XXXX. And XXXX XXXX XXXX fraud department ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a senior who went to XXXX in XXXX GA on XXXX/XXXX/16. My insurance paid their portion and my portion was {$84.00}. I paid the bill in ( 3 ) parts as follows to XXXX GA via money orders from XXXX XXXX : 1 ) XX/XX/<YYYY> {$40.00} ; 2 ) XX/XX/<YYYY> {$20.00} ; 3 ) XX/XX/<YYYY> {$24.00} On XXXX/XXXX/16 I received a transmittal from TransWorld Systems saying that I had a balance of {$24.00}. On XXXX/XXXX/16 I received another notice from TransWorld for {$24.00}. My calls do n't do any good, both to XXXX XXXX or TWS. I am afraid that both entities will report negative information resulting in harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am complaining about the processing of direct deposit and delaying funds availability and offering some services to some accounts and not others. I understand there is a delay due to the bank holiday or XXXX XXXX XXXX, but they state ACH deposits may incur even longer processing times and holds which is not usually legal. I want to file a complaint about the delay in processing, and the offering of access to early direct deposit for some customers and not all. I am hoping you can look into this to determine if any regulations or violations have occurred, and if you consider this a form of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Adler Wallach & Associates, Inc.
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief