BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: U.S. BANCORP
State: MA
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:
I have had a credit card with the company Elan for approx 30 years. 

I pay the card balance in full prior to the due date every month and thus have never paid any interest. 

Every monthly statement always shows a previous balance of XXXX and no interest charges. 

Suddenly in XX/XX/XXXX, the ( online ) statement showed that I had a balance due ; and that there were interest charges. I reviewed older online statements going back a few months and saw that the online statements were showing interest and overdue balances. However, I have previously downloaded copies of the same statements that show no balance and no interest due. So somehow, Elan went back in time and CHANGED the statements. 

After several phone calls and a lot of time spent explaining this, a manager finally admitted that they had back charged me for interest because they received a payment XXXX day late during XX/XX/XXXX. I pay electronically so perhaps this was over weekend or something, but I paid from my bank on time. But at the time the payment was XXXX day late, they did not charge me interest and I never knew about it. I still have the relevant statements showing no balance due for the ensuing months. If I had known they wanted me to pay them something because of the payment being XXXX  day late, I might have paid. But since they say I didn't, now they were trying to charge me for interest and fees accruing during the ensuing 3+ years. 

Finally the manager I spoke with said she would just waive all the interest and fees. Magically, the online statements were re-created again and now look like they originally did with no interest or fees. So I thought all was well, until... 

Today I went online to get my latest statement, and it correctly shows no prior balance. However, I see in another part of the website it says I owe what I calculate as an extra {$530.00}. I called repeatedly today about this, spoke to 3 or 4 people who were no help ; they just keep insisting the 'balance ' is right even though I have the current statement that shows it is wrong. 

This is very frustrating. I can't seem to get anyone on the phone that has any real knowledge. Maybe the smart people there are on vacation today. I have a perfect credit record and don't want it ruined because of this kind of a problem. 

The really onerous thing about this, which I think has to be addressed, is that Elan was somehow able to basically RE-CREATE all the past statements seemingly at will, changing the amounts owed each month, etc. Lucky I have copies.

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 2015-04-19
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 XXXXLoan # XXXX XXXX XXXXAddress of Complaint : XXXX XXXX XXXX XXXX, XXXX.CA.XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/20 I was scammed out of {$200.00} on Cash App while trying to buy a sweet puppy. On XX/XX/20 I emailed CashApp about the scam and sent picture evidence and I told my bank about it for a chargeback on the fraud ( on XX/XX/20 and they did nothing about it and did not approve my chargeback refund from my bank. I do not understand how Cash App/ Square ( parent company ) is still in business if they have proof of a scam and still won't return peoples money when they request it via a bank, I do not feel protected as a consumer right now. 

They basically said, oh well we can't help you and they did not refund my money when I requested a chargeback from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opened a account with XXXX on XXXX/XXXX/2006 and the account shows pays as agreeded, however the account shows me with a balance of XXXX. I need this account to be updated to show at a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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 don't know what are you looking at when you do my investigation on this account from XXXX # XXXX it clearly shows that it's inaccurate!! this is a violation of my rights according to FCRA ... stop wasting time and delete this!! date last activity XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, equifax XX/XX/XXXX... last payment : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX equifax XX/XX/XXXX ... ... doesn't look accurate to me...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Here is a copy and paste of the email that I sent to Wells Fargo Bank on XX/XX/XXXX ; Personal information deleted. 



I was handling my mother 's financial affairs when we recieved a notice from Wells Fargo Bank dated XX/XX/XXXX that if we didn't contact WFB by XX/XX/XXXX, the funds would be turned over to the Sate of California Unclaimed Property. I contacted WFB by phone weeks before the deadline and talked to XXXX XXXX. He told me that the funds had already been turned over to the State of California. Due to the shut down due to the Covid 19 pandemic, I was not able to reach anyone at State, Unclaimed property department for several months. When I was finally able to talk to someone there I was informed that WFB still had the money.

During the interum, my mother passed away on XX/XX/XXXX. 

I have since sent to WFB, a Death Certicate, Power of Attorney and Afidavit of Small Estate. All documentation has been recieved by WFB. 

At one point my case was being handled by XXXX XXXX, Case Specialist. I've tried to call her several times. Her voicemail is still saying that she will be in the office all day on XX/XX/XXXX. It has not been updated nor has she returned my calls. 

On XX/XX/XXXX I called XXXX and spoke to " XXXX '' He told me that he would foreword my case to a case manager. XXXX took down my phone number and told me that the Case Manager would call me. I have not recieved a call. 

On XX/XX/XXXX I called and spoke to XXXX XXXX, Employee ID # XXXX. XXXX advised my to detail the history of the case in an E-Mail and send it to you. 

If you need any further documentation then let me know. If you now have all of the information that you need then let me know and send me a check for {$2300.00} End of email. 

I was told that they sent me a letter on XX/XX/XXXX. I've yet to recieve said letter. 



As of XX/XX/XXXX I called them and I'm being told that I need to send them a court order showing me as the Trustee for the estate. I have already sent them notorized copies of both Power of Attorney and the Trust showing myself as the Trustee. 

I've not been dealing with the courts, this is a small estate and a reletively small amount of money.

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 2015-06-04
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My servicer SETERUS approve me in XXXX XXXX, 2015 for a XXXX months trial payments reducing my mortgage payments to {$1300.00} it was supposed that my trial end on XXXX XXXX, 2015, and since then my mortgage will be permanent modified. Today XXXX XXXX, I still continue doing trial payments and anytime that I or my housing counselor contact SETERUS we received same answer that there is not news about final loan mod. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: TX
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:
I disputed that a credit card that was paid in full after reaching a settlement with the company. Equifax validated the settlement but then added it to my credit report dropping my score 49 points even though this was already on my report. Equifax updated the dates to invalid dates making this appear recent on my credit report when in fact it was already closed and settled. Equifax needs to add the 49 points back to my credit as this seams like they are punishing me for reporting a dispute on my credit account.

This is a predatory retaliation for processing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/20 I deposited a check into my account by mobile deposit for {$1200.00}. I discarded the check by throwing it away in the trash and the money was credited to my account. On XX/XX/20 I check my account and noticed some money was missing. I called the bank Wells Fargo and they informed me that the check was deposited twice. They told me the check was also deposited on XX/XX/20 at a XXXX  XXXX  into someone elses account. The bank never contacted me to inform me of the situation but kept accusing and calling me a thief. I have been calling almost everyday to get this resolved but havent received any resolution. I have filed numerous complaint with then and also no resolution.

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 2016-05-20
Company: EQUIFAX, INC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
My student loans where all consolidated into XXXX loan I was told that it will clear off my credit report to show as paid in full however I 'm shopping for home loan in because of this error I 'm unable to receive loan can you please assist me with this task. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2021, two checks from my bank account were intercepted in the mail. The original information was erased or whited out, and the checks were forged with different amounts to two separate recipients and deposited in fraudulent accounts in XXXX XXXX. The checks were # XXXX for {$16000.00} withdrawn on XX/XX/2021 and # XXXX for {$9500.00} withdrawn on XX/XX/2021. I was traveling in XXXX and XXXX and don't believe I received my XXXX statement that would have shown the deposit of check # XXXX as a result of my mail being held. I filed a claim ( claim # XXXX ) with my bank, Chase on XX/XX/2021. I also filed a police report with XXXX XXXX ( Complaint # XXXX ). 
After several months, Chase reimbursed me {$9500.00} for check # XXXX, but refused to reimburse the {$16000.00} because my claim was more than 35 days past the date that the check posted. From the Chase side, both checks were several times larger than any check I had ever written before, the handwriting was not mine, and the out-of-state recipients had no interaction with my account in the past. There were no fraud alerts or attempts to contact me. From the the XXXX XXXX side, the fact that these were deposited into two separate fraudulent accounts in the same bank demonstrates negligently inadequate KYC controls. 

I am in disbelief that this can happen in an American banking system ... .that if you don't catch something in 35 days, that the money is gone ... that there would be no flagging or fraud alerts despite the size of the checks, the different handwriting and the likely suspicious activity on the accounts that the checks were deposited into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft GS BANK USA Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Cedars Business Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was called on my cellular phone by Cedars Business Services for a supposed debt collection measure arising from a XX/XX/XXXX incident which never had occured. I had not seen any letter from the company prior to this phone call. It was for a supposed non-US parking violation outside of the United States in XXXX. The person on the phone insisted I was in violation and must pay immediately. 

I explained in the phone conversation that no amount is due, no infraction was ever done, and that calling as a debt collector is not appropriate without any letters of information. Following the phone call I was sent a letter. I immediately sent an email explaining my position of an incorrect / erroneous debt collection, which was outside of the United States and never sent to me. I had never been in violation of anything during this time period. 

The company 's phone number is XXXX They are at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX performed an inquiry on my credit that was for prescreening. I never authorized an inquiry on XXXX XXXX, 2016 that would be an impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, 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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 non-monetary relief
Consumer complaint received 2021-11-10
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

JPMCB CARD XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Was scammed over cash app. I attempted to try and talk to a representative but they all sent me the same generic response. Id like my XXXX back. I was scammed and I asked a refund and they denied it. Horrible customer service impossible to acty have a conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Somehow Kohl 's signed me up for electronic statements. I rarely use the card, but did in XXXX. They did not email me the statement notification like they were supposed to. I did get a statement notification this morning, but the bill was already late and I was charged a {$29.00} late fee and {$1.00} in interest. I worry that they do not send the statement notifications and sign customers up for electronic statements to get additional fees and interest. 

Since I do not use the account often I went on chat to close it. After waiting about 15 minutes I spoke to a XXXX XXXX  I verified all my information and had several holds which took additional time. He then said i would have to call to get the account closed. I worry this is just a way to stall so that customers do not close their accounts. I wanted to share my concerns with the cfpb about kohl 's credit cards behavior and response to my request to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank in NC, where I bought and sold a house and relocated to XXXX, kept over {$3000.00} in an escrow account after I closed on my house. They then claimed I abandoned the money and they turned it over to the state of NC. All the while, I had several existing accounts with Wells Fargo, including a stock account but, they claim they could n't locate me? I still have a WF account, including a credit card account, with WF. 
After more than 3 years of trying to claim ownership of my funds from WF and the state of NC, I have been told I have n't provided enough evidence I " owned '' the money or " proved satisfactorily '' I am who I say I am. 
Is there anything you can do to help? This seems really unfair that they contacted me to tell me that they have my funds but not turn them over to me because they ca n't find me?

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