BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/22 I called my credit card company to increase my credit limit. My card was paid off and I havent been late in making payments. They denied my request anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received my Amex Serve card prior to the COVID stimulus check was sent, and had not activated it. When I heard checks were going out soon, I attempted to activate the card and was subsequently locked out of my account " for security '' purposes. I kept being directed on their website to call their automated service to activate my card. Nowhere in the automated menus is an option to activate my card and I spent over 1.5 hours on hold trying to reach a human one evening. Now when I call they are simply rejecting new calls and hanging up. I have no way of accessing my account information without first activating the card, even though I have already set up an American Express Serve account and don't want to use the card. I just want to transfer my money to my actual bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX   XXXX   XXXX  claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 2016-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
When I opened up my account, I requested not to have overdraft protection, as I understand that Wells Fargo pays for it and I would be charged overdraft fees.Wells Fargo did not comply with my request. Consequently, I have been charged {$35.00} in overdraft fees for a transaction {$100.00} paid to the XXXX Superior Courts & an additional overdraft fee of {$35.00} for the processing fee XXXX Superior Court charged me of {$2.00}. I believe the overdraft fee should not exceed the actual transaction amount. It is unfair that I am trying to pay a traffic ticket and the bank charged me {$70.00} extra for the way my transactions posted to my account even though I had money on the day of the transaction. In addition to this transaction, I was charged another {$35.00} for a debit transaction made to XXXX XXXX of {$3.00}. The day I swiped my debit card I had money in the account. I know this because I checked right before arriving at XXXX XXXX. How is it that I was charged the {$35.00} two days later for a debit transaction I had funds for when I made the transaction. I understand Wells Fargo system generates the fees, but a human being created the system to work this way. It is unfair that Wells Fargo selects who they want to waive the overdraft fees for. It should be illegal to charge some customers overdraft fees and not others for the same cause. Wells Fargo continues to make a profit on overdraft fees while their customers struggle to bring the account back to positive.

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 monetary relief
Consumer complaint received 2015-06-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have applied to Wells Fargo on XXXX occasions for assistance with my Home Affordable Program Request. The first time when my wife passed away and now this year. This time over a years worth of documentation. I was never served that a foreclosure process was started even by the officer on the account. I was never given an option for a deed in lieu of foreclosure, a modification denial or approval which is illegal and of course now I have placed the property on the market for sale. Please assist and protect my rights that is afforded to every consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting phone calls from a woman claiming to be from Diversified Adjustment XXXX. When I ask what this is in regard to she asks for personal information, Name, address etc. I ask again what this is about and she hangs up on me. They call me every day, several times a day. They never leave any messages. I am contacted every day from several similar, but different phone numbers. XXXX XXXX XXXX Also, currently collectors arent even supposed to be calling in nys due to the pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2015-12-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our house and paid off a second loan to Wells Fargo and although our loan was current and previous statements from them stated a zero balance due after each payment, they took {$2500.00}. in excess of the payoff amount. I feel they saw all the money coming in from the sale and decided to grab some extra. They could not provide a detailed explaination for this other than " interest is paid forward '' I want them to refund my money and want to stop them from this behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: R & B Corporation of Virginia
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: VA
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:
On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my XXXX  online account and saw that it hadn't been paid yet for that month. XXXX  always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly 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 2020-04-16
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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2019 I mailed a letter to each credit reporting agency that was sent to me from XXXX XXXX XXXX that they would remove this account from all reporting credit agencies and it is XXXX and this is still reporting on my credit report.

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 2015-04-16
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was under a contract XXXX started using pre paid phones for a lower price for same service I negotatefd with them because of this and also because my service was very poor and I was being charged for thinks I did not use. I told them I was writing the XXXX Attorneys office about this and the changes they made in my contract ( witch i was almost over ) without my knoldege or permission.They told me I would be released from my contract to start using pre pay service, witch I did.because of poor service and my repeaditly complaining about service. I had a spending limit per mont under contract if I went over 30 days not paying my bill my service would have been shut off, so how can they say I owe this amount anyway. My monthly limit was around XXXX. 
They also reported this same amount XXXX to the credit breaures. How can they do this XXXX. I am not writting a letter to the State of XXXX fileing a complaint against the and XXXX see if reporting XXXX to the credit breaurs is leagl, I do n't beleaive it is. I want this off my credit reports right away or I will hire a law firm to handle this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We needed to borrow {$40000.00} to purchase a house that was for sale in XXXX NV. We approached Wells Fargo bank, which we have been customers with since 1993, have all our checking & rental accounts with and XXXX house mortgage. We filled out their loan paperwork & submitted all necessary documents. We have an excellent credit rating, my husband is employed full time, I 'm retired receiving state retirement & working part-time. We own a duplex & XXXX houses, rented continuously for over 5 years, and a weekend home XXXX valued at {$180000.00}, all completely paid for. We have XXXX vehicles, XXXX that are financed through the credit union and XXXX paid off. We had no credit card balance at the time of the application, as we usually pay off the balance on our cards each month. 
*My complaint : With everything I have stated above, Wells Fargo Bank XXXX who has stated we were such great, long-time customers, could NOT borrow the asked for amount of money to purchase a house because " they were UNCOMFORTABLE loaning us the money! Why? Even our local federal credit union loaned us {$50000.00} in an unsecured loan, and we have XXXX cars on credit with them!! Something needs to be investigated into the loaning practices & customer services of Wells Fargo Bank. We were even willing to pay their outrageous interest rate & fee program. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, I deposited my payroll check ( a there-to-fore common practice ) in my Wells Fargo checking account and received a deposit receipt ( copy attached ) which stated that the deposit would be credited on XXXX XXXX. On XXXX XXXX, I received a letter from Wells Fargo ( copy attached ) which said that the funds had been placed on hold and would be credited on XXXX XXXX, XXXX. Luckily I had not drawn on those funds. I called Wells Fargo customer service and was told that the letter had been sent in error and my account reflected the credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I deposited my payroll check ( copy of deposit receipt attached ) and was told specifically that there would be no hold placed on the check and my deposit would credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I accessed my online banking portal and discovered that a hold had been placed on the funds and that the deposit would not be credited until XXXX XXXX, XXXX. I again contacted customer service and was told that the hold was a result of " risk '' with no further explanation. I went to my branch office and requested an explanation. They contacted " loss prevention '' and all they could tell me was that a " general '' hold had been placed on the deposit. I asked for a written explanation of the hold and its ' reasoning. I was told that Wells Fargo does not provide written explanations. I asked specifically if they were denying my request for a written explanation and they responded " yes ''. I should note that the account on which the check ( s ) were drawn was also a Wells Fargo account and that that account was at the same branch as my account. I believe that both of these holds are in violation of Regulation " C '' for duration, failure to inform at time of deposit, and failure to provide explanation and reasoning for the hold ( s ). I believe that Regulation " C '' has specific sanctions defined when a violation ( s ) occurs. An appropriate sanction, in my opinion, is that the institution be required to match the funds which are held in violation of the regulation. It seems that Wells Fargo is attempting to replace income from opening illegal accounts to causing overdraft fees by, without informing the customer, in fact misleading the customer, as to when funds will be credited. I should also note that following the XXXX XXXX deposit and XXXX XXXX letter all evidence of the hold action had been removed from my account history and my monthly statement and online account information reflect the deposit credit on XXXX XXXX, XXXX as if no hold had been placed in the first place. I assume Wells Fargo will " cover their tracks '' on this new hold as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a mail sent to my apartment about a past due invoice with a company going under bankruptcy : XXXX XXXX XXXX. I have made business with them a two year ago, subscribing to their separate utility, gym department called XXXX XXXX. I canceled and continued to no longer pay for any gym subscriptions since last year. The debt they're asking for me to pay is {$140.00}. I have made no pending purchases, merchandise or services from them and did not have any account for them to list me under.

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 2022-05-13
Company: EQUIFAX, INC.
State: AL
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 have disputed these inquireies with the CRA 's and with the companies. they came back verified. wen requesting proof i have yet to receive actual proof. i have filed an idenity teft report with the ftc as well the following inquiries are fraud 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from COMMONWEALTH FINANCIAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against COMMONWEALTH FINANCIAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: WELLS FARGO & COMPANY
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We have submitted numerous complaints concerning Wells Fargo Auto Finance. They repossessed our vehicle in XX/XX/XXXX while my husband was stationed in XXXX, CO. He was protected under the XXXX. While they acknowledge that our interest rate was reduced because of that, they claim they did n't receive orders. They received his orders prior to our interest rate being reduced because that was the proof that we were protected under XXXX. If I did not supply his orders, they would n't have reduced our payment. They claim they only charged off our vehicle and did not reposess it. They are claiming that it may have been stolen. However, I specifically recall getting the amount they recovered from auction for our vehicle. The XXXX number is XXXX. Wells Fargo was guilty of taking soldiers XXXX and had to pay them for this. They are guilty of fraud and somehow they are still trying to get away with it. They did not try to help us out when we became late on payments. They simply state that the XXXX does n't protect soldiers when their vehicle is " charged off ''. I believe they are withholding information entitling is for reimbursement due to illegally repossessing our vehicle.

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