BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I complained to you in XXXX and was given case no. XXXX. I had a problem with Wells Fargo putting a hard hold on my deceased brother 's CD # XXXX in the amount of {$3000.00}. A Texas judge had signed a Small Estate Affidavit, leaving this money to XXXX XXXX ' XXXX siblings. The CD contained XXXX payments made to him XXXX. Wells Fargo sent me a letter after you contacted them telling me to ask XXXX to send Wells Fargo legal dept. a letter releasing the hold on the CD. I called XXXX and they said they can not do that since when the veteran died they had nothing further to do with the matter. The XXXX contact told me that only Wells Fargo could release the CD. However, Wells Fargo is refusing to honor the court order to release the money to XXXX heirs. Can you help? We are at a stalemate. Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-09-13
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have a home equity loan with Wells Fargo, a 15 year with a balloon payment at the end of the term. We have been making extra payments on a monthly basis to pay off our loan early. We have never missed a payment on this loan. In our amortization schedule the payment is mostly interest and a small portion to principal. How they have been applying our payments during the XXXX calendar year and early part of XXXX do n't appear accurate or consistent. For example, we have been paying approximately {$600.00} - {$700.00} a month when the payment amount is approximately {$410.00}. Some months they were applying more of that payment to the interest than principal in other months they have applied nothing to principal or interest. If I look on their website, in XXXX it looks like I only made XXXX payments, however, when I look at my account that the payments are coming out of, I can see that I 've made XXXX. Additionally, there were months where we would get a statement from XXXX stating that we did n't have to make a payment for the upcoming month and that the additional payments would go to principal.

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 2016-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My XXXX and XXXX mortgage is with Wells Fargo I struggle each month to make my payments to them. I am using almost XXXX % of my income to accomplish this. I have been requesting mortgage assistance going on 3 three years from Wells Fargo. Wells Fargo is encouraging me to be late on my mortgage in order to give me assistance, however, the definition of imminent default I believe I meet ; My income is XXXX a month ; my total payment is {$3400.00} I have a little over {$2000.00} in the bank, the threshold is {$25000.00}. I do not trust Wells Fargo they have shown zero interest in my struggle to keep my home.

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 2015-04-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My partner and I had difficulty opening a joint account at the Wells Fargo Bank. The Banker reported false information on our application, and stated the system shut down before he could add my partner as a signer. He collected sensitive information, including my partners SSN and phone number. Yet, neither were reported on the application that he printed out for us. We reached out to Wells Fargo, and they have not been helpful thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
If I had n't been given incorrect information by Chase Card Services employees, repeatedly, related to Billing Dispute XXXX via Chase Card Services : Case # XXXX My Acct ending XXXX I could have been working on solving this problem during the time period of XX/XX/XXXX till XX/XX/XXXX when I finally was forced to pay the entire sum of {$4800.00} or incur interest rate charges of over 13 % In other words I lost all of the leverage that I had XXXX XXXX along with precious time due to inaction borne out of my thinking that this problem had been solved. Chase Card Services had all of my calls routed to a call center in XXXX, XXXX where calls were never answered directly, the telephone message box was full or returned calls were incomprehensible due to language problems on the part of the caller. I attempted one last time to have the charge reclassified as " in dispute '' and was met by stalling and bureaucratic responses by Chase employees who apparently had no authority to do anything but repeat scripted stock responses. 
My complaint is that incompetence and ineptitude on the part of Chase Card Services employees may have resulted in my having to pay a cost which I might had otherwise avoided had they given me accurate information. I find this impersonal bureaucratic approach to customer service, where the bank puts the interests of the merchant ahead of the customer, or where the sloppy and incompetent handling of the case by the bank 's employees leaves the individual customer on the hook to be completely unacceptable and I am seeking redress. 
See the attached PDF for full details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NC
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 sent in an identity theft report ( FOR THE SECOND TIME IN 6 MONTHS ) on XXXX XXXX XXXX XXXXstating that the inquiries on my report were erroneous and need to be removed with all the info to protect myself and my credit file Experian just emailed me and told me they wouldnt take action because they didnt believe it was me. IT IS ME. they need to stop stalling! Those items DO NOT BELONG TO ME. They need to be deleted - its illegal for any bureau to report inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am working with an extension of loan modification with Wells Fargo on a XXXX mortgage due to being unemployed since XXXX. I have had problems with the loan preservation specialist not returning calls, not checking her email for executed documents and stating I have never complied, to which both of these were escalated to the manager. Now all correspondence is submitted to both the specialist and the manager as cc. 
The latest is a problem I have with Wells Fargo and the XXXX. I have attached their instructions and the form that I sent back. The instructions would lead a person that is less then prudent to believe this is a blank form, and they address line XXXX as " This does not apply. No action is required. '' But in fact they have altered line XXXX to an address and phone number that is not the tax payers. I believe this should be disclosed to the borrower in the wtitten instructions. Also, they in advance checked box XXXX. but I have unchecked it and have checked what I feel is appropriate and the year as well. My hunch is that they will still request my records and ignore my request, but I feel they should be directed to better inform the borrower of the alterations and the intent of this form ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I had to obtain private student loans throughout my college career so I could obtain my bachelors. Without the loans I would not have been able to complete by degree. I am very thankful I was able to stay in school however at this point in my life, I am not able to afford my full payment and Wells Fargo will not give me any alternative payment options. I have tried to consolidate my loans and have been denied and I am not eligible for a review of my loans because of my cosigners incomes. My parents cosigned my loans however will not help in repayment. I have a daughter now that is XXXX and I am a single mother so making these payments is impossible. I would love to repay them, but I just ca n't afford what they want per month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CAINE & WEINER COMPANY, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX XXXX  Reported : XXXX XXXX XXXX Caine Weiner Company Reported XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/ or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 XXXX which states I have a right to privacy, 15 USC 1681 604 XXXX Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 XXXX  which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am disputing a XXXX day charge that was on my credit report from Chase. I received a courtesy call from Chase 's customer support team on XX/XX/XXXX at which time I made an over the phone payment of {$270.00}. The customer support individual than proceeded to tell me that I would not receive a late notice on my credit report. In addition, the lady discussed an option of setting up auto pay through her, which I agreed to as it would avoid this from happening in the future. However, to much to my aggravation a late notice was placed on my credit report and the auto pay program was never setup for my credit card account. 

On XXXX different occasions I called Chase customer service to see if we could resolve this late payment notice problem and I requested the support individual to pull up the call from XXXX XXXX to prove that this conversation had indeed occurred. I was then informed that they were unable to find that specific call which then I was transferred to another department and they proceeded to tell me the same thing and transfer me again to another department. Each department that I spoke with were unable to resolve removing the late payment notice on my report or find the original call from XX/XX/XXXX and each representative told me a manager would call me back about this issue but I never received a call from anyone. 

I send a letter to Chase 's Executive Office on XX/XX/XXXX and received a letter back dated XX/XX/XXXX which did not address any of my concerns. I call XXXX XXXX, the Executive Office rep, and never got a call back. I called again and finally reached XXXX XXXX and she looked into everything and was unable to find the call from XX/XX/XXXX and said that Chase does not feel that this is a bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has claimed a payment of mine has not been made due to a mobile payment being attempted with incorrect account information. I always conduct on-line bill payment, and for the payment in question, I provided proof from my bank that funds were received on-time. Since then, several months have continued, and late charges are being assessed. In my attempt to resolve this, I have been in contact with XXXX people and no closer to admitting Wells Fargo was at fault. My case was re-opened after I disagreed with the first conclusion, and now a new case worker is starting the investigation process all over again. Unbelievable!

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 2023-08-09
Company: ACI Worldwide, Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
mae payments to XXXX XXXX XXXX using their online portal to use XXXX XXXX. On XX/XX/2023 | paid XXXX using my debit card and was charged twice. On XX/XX/2023, I paid XXXX, which also was charged twice. At that time I have tried over and over again to communicate with this company to get those payments applied to my account or refunded. I have sent multiple copies of my statements to no resolve. 
received an email stating that those funds were refunded to my account which the statements show that they were not. I tried disputing it with my bank in which they told me the merchant said it was paid so no refund is going to be given and the case closed. The funds that that were taken out and never refunded back to me are highlighted in yellow in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
I signed up for Amazon Chase credit card to get a discount on my purchase. I did not put any purchases on the card. Amazon automatically put some purchases I did not make on the card. After several calls to XXXX and Chase these purchases were removed. I instructed Chase TWICE to cancel the card. They assured me on the phone TWICE it had been done. Today I got another bill for late fees and interest because their computers think I made charges on the card that were not paid - XXXX and CHase have both told me this was corrected!! 

Please have Chase remove all charges, remove any derogatory comments from my credit report and CANCEL this card permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently filed a complaint about Chase ; back in XXXX XXXX about a balance that I owed on a closed account in the amount of XXXX and some change ; with an agreed amount of XXXX. Hoever today as I decided to pay to call Chase to pay the reduced balanced. The lady in the collection recovery department was really rude and insisted that I pay the total balance due. So I 'm wondering if thier is something that could be done ; and what happened to the previous settled amount? I totally forgot the person who was my representative with chase. If someone can please help me sort this out. I would really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Starmark Financial LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
During my first conversation with XXXX from XXXX XXXX. He contacted me about a debt that I originally paid in full to a lending company ( XXXX ). When I explained to the agent that this was inaccurate, because I paid that debt in XXXX of XXXX, the agent began to tell me that I hadn't paid the debt. He said " I'm looking at the debt so it wasn't paid, I'm an attorney for XXXX Bank and you owe my client this money '' I told him that I paid in full to XXXX and I don't know who he is or what he wants. He went on to tell me that I just need to pay him because he has never heard of XXXX. I told him I've never heard XXXX XXXX XXXX Bank or whatever company he was calling from. I continued to tell him that I paid that debt in 2022, and I verifiedthat with XXXX customer service. He told me well you can't believe what customer service tells you. Then he did if you paid them where the proof send me the bank statement or transaction. He transferred me to someone he claimed was a manager who then asked me to email him my bank statement. Mind you I already told them I have no idea who they are and no one from this company has sent me any written requests for payment.

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 2023-08-09
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX was a company that was managing a townhouse that I was renting previously in XXXX XXXX, Florida. My sister was the last tenant occupying the premise. 

A third-party collection agency called me stating that I have an outstanding balance where I asked for proof since nothing was sent to me by email, mail, or any form of communication. I emailed both the collection agency, Hunter Warfield and XXXX with no reply back to my email from XXXX XXXX XXXX 

I called and spoke with an agent from the collection agency and explained the matter and he stated that I need to pay them to resolve the matter. Nothing was ever communicated and no one contacted me. Now, I have an outstanding balance on my credit report from this. I have the email chains from the management company and collection agency that never replied. I can forward if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Bank of America provided a pre selected offer then declined the pre selected offer despite having an adequate income etc. The preselection offer was made using a soft pull on my credit minutes prior to the decline and therefore is illogical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CREDIT ACCEPTANCE CORPORATION
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: Information belongs to someone else

Complaint:
Information reported on my credit card report is not accurate. I have been XXXX  for the past 8 years

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
Prior to complete a Balance Transfer request with Chase Bank, I inquired about negotiating the Balance Transfer Fee. I was told this was not a possibility, but that as soon as the fee posts, I could call to have it waived. When I noticed it posting, I called Customer Service and even spoke to a supervisor who told me he was trying to waive it for me, but the system was not allowing him. He even mentioned that it analysis the overall relationship and was declining his request at this time, which made me feel worse about the whole situation since I like banking with Chase. There just was a false expectation created on me at the time when I XXXX inquired about the 3 % balance transfer fee that even though the terms and conditions included it and it is a valid fee, after it posts, Chase could as a courtesy, waive it for me. And the fact that a supervisor understood this and approved my request by attempting to waive it, but the system did n't allow it, makes me feel sad, frustrated and even deceit. I was not made aware that the fee could not be reversed at the time when I could still cancel the Balance Transfer transaction, I was told it would AFTER it posts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023, initiated a product change from Citi Premier to Citi Custom Cash card. The snnual fee of {$95.00} for Premier card was said to be refunded within 7-10 days, since Custom Cash card has no annual fee and the change mafe within 30 days of the fee posting ( XX/XX/XXXX ). A chat inquiry on XXXX XX/XX/XXXX informed me that the refund would occur on XXXX XXXX far longer than 7-10 businesses days.

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