BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I received notification that information on my bank accounts were changed - when I called ( XX/XX/XXXX ) I was advised that I need to change my online access and password, after having the escalated to XXXX XXXX ( Fraud ) he indicated that the change occurred because some one internal to Wells Fargo updated my information ( without my knowledge ) that triggered this alert. Stated that I did not want to change my user ID he indicated that he would look at it further and indicated that he would call me back at the end of the day. On XX/XX/XXXX I received a call back from XXXX XXXX - he had indicated that the issue is now that I have been identified as an individual where multiple attempts to access my account have occurred - no further details were provided - I was provided with a case # XXXX and advised hta I would have to get all my accounts replaced - inquired as to why I was not notified of this sooner - he indicated that they tried to contact me - ( advised I have not received an email or call ) it seems that Wells Fargo is the only ones that have issues calling my cell XXXX I receive regular texts from WF on my phone so the story of my cell not working is not accurate, I am also on call 24/7 so my phone does work. There was no valid response as to why I have not been contacted if this was such an urgent matter that needs to be addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: OH
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 2016-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I join a mystery shoppers evaluation company that allowed me to go shopping and evaluate stores and banks but I have learned that the company was using another company 's name and payroll to pay us the money and when the other company learned of this stopped the checks putting me in an awkward place with the funds because I had already put the check in my bank and withdraw the money to make the transitions I were told to make. This putting me negative with my bank.. please help and get the money back for my bank so they want think bad of me, I was scam n this company needs to be put on notice. It 's service XXXX and XXXX XXXX XXXX .... 
XXXX and 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report. Despite several attempts to have this information removed, the three credit bureaus have failed to take appropriate action. 

Due to multiple data breaches that occurred in recent years, I have become a victim of identity theft. As a result, I was forced to file for bankruptcy because I became responsible for debt that was not mine. I have made numerous attempts to have the inaccurate information removed from my credit report, but to no avail. 

I have reached out to all three credit bureaus and provided them with the necessary documentation to support my claim of identity theft. However, the bureaus have failed to take appropriate action and have not removed the inaccurate information from my credit report. 
This inaccurate information on my credit report has caused me significant financial and emotional stress. It has affected my ability to obtain credit, secure employment, and has negatively impacted my overall credit score.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit bureaus correct the inaccurate information on my credit report. I would also appreciate your assistance in ensuring that this type of situation does not happen to other consumers. 

Thank you for your attention to this matter. 

Sincerely, 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 2016-09-08
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Student Assistance corporation calls me with robocalls constantly. Most of the time I get dead silence over a voicemail and then a message mid recordeing. This time I bothered to answer because I was expecting a call from another business for another reason not debt related, and I dod n't get a live person on the other side. I got " Student Assistance Corporation is trying to reach you. Please call... '' XXXX, you had me. you reached me. I am not going to call back when you robocall me and then give me a robot to listen to when I do actually answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX of XXXX Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partial account number is XXXX XXXX XXXX, 2016 XXXX XXXX, 2016 called at XXXX again I can not believe that this gentleman from your company is still calling me at the hours that I told him I was at work. I am for certain that he is sabotaging me and setting me up to be be homeless. Between the lies he told on me and not respecting my request of times that I 'm home to receive his phone calls and yes I have returned his calls and he never is available to answer his phone directly. He has called again at XXXX PM knowing good and well that I am at work. He ( XXXX ) told me that he starts work at XXXX I understand that it is XXXX time in about two or so hour difference however he could have called at an earlier hour. Please know that I have documented every call that comes into this house via caller ID and I have a log phone conversation record of every phone call that has been made to me from your company. I think it maybe time to find an attorney who will represent me pro bono ( because of my financial challenges and not being able to pay an attorney out right ), to be able to sue you ( Wells Fargo and XXXX XXXX ) not only for stress that you have brought upon me, ( That has changed my life drastically and made health issues appear that I have never had before ), making it hard for me to hold down the necessary jobs to be able to take care of myself financially through this process, but for unfairly treating me as as though I was some kind of XXXX female incompetent dummy. Maybe a lawsuit and attorney can help me get you to be a person of your word and stick by what you said you would do in finding a appraisal agent that can represent both parties. Ironically today I received a phone call from a previous client that I recommended to Wells Fargo to get their mortgage in the past as they are real estate agent and they are having the same identical problems as an XXXX family, and I will be helping them in whatever way I can, sharing all of the experiences that I have went through with your company. I see why your company has so many legal issues currently because of the service that you render to innocent person.

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 2016-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America understands I have not opted into the overdraft protection feature, yet they keep feeing me into the red, even after paying off a negative balance during hours. They simply ignore the deposit and roll the fee over, this has happened about 5-10 times to me in my lifetime. This is the 3rd report I 've made against them. They are currently doing it today, I 've been waiting to speak to a representative for about an hour now, with nothing more then a XXXX jingle and some computer lady reassuring me to stay on the line ... ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On or about XXXX 2013 I applied for a loan modification through XXXX for Wells Fargo Bank. At the beginning of XXXX 2013 I received a call from Wells Fargo from their representative XXXX XXXX Home Preservation Specialist. Ten minutes later I received a call from XXXX XXXX of WFB stating she had not read the approval entirely, and all ( XXXX ) XXXX panelist did not sign off on the approval, therefore, I am denied. I took the denial and the NPV to XXXX XXXX who reviewed it and found numerous errors, beginning with my loan having deferred interest almost 100 %. Additionally they took issue with the denial Wells Fargo issued on XXXX XXXX, 2013, Wells Fargo stated that the proposed modified monthly would be more than 42 % of my monthly gross income. Listed on the NPV my income was listed at {$2700.00} a month, 31 % of the income is {$850.00}. Using my unpaid principal balance of {$250000.00} my HAMP payment would be {$810.00}. 
I believe because I was ignorant of Wells Fargo numerous and different ways they chooseto review borrowers for HAMP, I got railroaded. Wells Fargo offered me to pay my past due in 6 months, it was only XXXX payments past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We closed escrow on XXXX XXXX XXXX, the Wells Fargo Mortgage was paid off through escrow on XXXX XXXX XXXX. The homeowners insurance held by the California XXXX XXXX XXXX, due XXXX XXXX XXXX, was paid by Wells Fargo on XXXX XXXX XXXX for the following year while the home was in escrow with a fixed closing date of XXXX XXXX. Since we moved to another state, even with correcting the mailing address several times with Wells Fargo, it took 6 months to receive our escrow impounds check from them, which did not include an itemized list of the payout. We did not discover that we were insuring a house that we did not own until XXXX XXXX XXXX, when the insurance company sent us a notice of renewal for the coming year. Wells Fargo wrongfully paid a year of homeowners insurance from an escrow account on a home we no longer owned. If that 's not wrong, I 'm not sure what is. In the state of California it is illegal to insure something you do not own, Wells Fargo therefore made us illegal without our knowledge. After several calls to the insurance company, Wells Fargo and the escrow company we have been given the run around, with no foreseeable reimbursement for their negligence in site.

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 2017-04-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   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 2016-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice from the IRS stating that I owe {$2800.00} from a refund I should have received from Bank of America from over paid interest amounting to {$8500.00} in 2014, I never received a refund from Bank of America so I checked my 2014 form XXXX I received from Bank of America, in box # XXXX it states a refund of {$8500.00} in over paid interest. I have called bank of America multiple times per week for over 2 months with a promise at the end of every 1-3 hour phone call to be called back within 24-48 hours, I have received exactly XXXX phone calls returned from Bank of America. My tax accountant asked the IRS for 30 more days for Bank of America to rectify this situation, I am at the end of the 30 days and have gotten nowhere with Bank of America. I have faxed everything B of A has asked for as far as supporting documents, I need some help..

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 2021-05-30
Company: WorldRemit Corp.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello, I initiated a transfer from my bank account in the United States to my bank account in XXXX on XX/XX/2021 with a transfer amount of USD XXXX. Today XX/XX/2021 the transaction has still not completed. WorldRemit has requested documentation which I promptly provided, unfortunately many times they requested the same documentation. 

It has been an extremely frustrating experience, other money transfer companies will do a wire transfer in 24 hours. Unfortunately other money transfer companies do not have the Brazilian bank I need for the transfer. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX of The law firm Gurstel Law firm, represents plaintiff, XXXX XXXX XXXXXXXX XXXX, has served my husband, i was not at home at the time, with a complaint against me, owing {$4500.00} within the past 4 years. 

I immediately, looked up my credit score, and found phone numbers and employment position, which doesn't belong to me. 

The plaintiff has never contacted me before, and I never received prior inquiries for this debt. 

I filed a dispute with XXXX for the following : 1. debts, and 2. the wrong phone numbers, 3. and wrong employment description The plaintiff complaint is unverified, as it never belonged to me, i never opened an account with XXXX XXXX XXXXXXXX XXXX XXXX 
Shouldn't the Plaintiff be required to provide verification of debt? 

I do not have any responsibility for the debt the law firm is trying to collect. 
If they have good reason to believe that I am responsible for this debt, mail me the following documents : 1. Proof i opened the account 2. Proof of the transactions & statements 3. Proof of prior attempts to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I applied and received a loan for {$1500.00} through XXXX XXXX from Sally Mae I finished my my courses and soon after XXXX XXXX no longer existed. During the the courses of my classes XXXX and was unable to work. This all happened well I was in school. I was on unemployment and making payments to the company. Years have passed and i recently got a job where they recently started to garnish my wages. I called and talked to the people and was going to set up payment arrangements but I was talking to XXXX of them and found out they were trying to say I had XXXX loans out which is amazing not true now I think I 'm being taken advantage of and I did a little research and seen that Sallie Mae is getting sued for taking avenge of other people and there a lawsuit filed against them. I would like contact from you guys and see what my choices are cause I feel this is unfair. People are trying to better there life 's and company 's like these are taking advance of people they think wo n't fight back. I know I owe something but for {$1500.00} my loan to the company changing me over {$8000.00} is just ununexpectable.Thank you for your time. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
USAA recently closed my credit card with $ XXXX available credit line which had XXXX balance and always paid on time. I had an account with them for over 6 years and they are giving me no reason to close other than it was higher management decision and they don't answer calls and it's permanent decision without giving me any reason at all. This has been very frustrating experience by any bank not giving me why it happened. USAA recently paid {$140.00} XXXX fine for money laundering and loss of investment and now victimizing innocent members. I have honorable discharge in my military service and I don't owe them anything thus I have right to hear a reason why they are doing this to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
i am licensed GA real estate agent. I am extremely active in the real estate market and do a significant number of transactions. Even with my my significant real estate experience, I have come across a situation that not anyone I have contacted can help resolve. We are scheduled to close on my primary home and a line of credit from Wachovia ( now Wells FArgo ) has shown on title to the property. We have over 100 man hours ( no exageration ) attempting to get in touch with someone at Wells Fargo. This includes the attorney 's office. We have escalated to the " Office of the President '' at Wells FArgo. Wells Fargo will acknowledge we have a XXXX balance but they will not give a release. Without a release, I can not convey the property. 

We are going to make a complaint with the Department of Banking and Finance. Unfortunately, that is a slow process and could take several months to resolve ... .no guarantees on this course of action. 

We could hire an attorney but an attorney in this field is going to charge {$350.00} per hour. The number of hours that the closing attorney has put into this researcjh and our time is once again over 100 hours. You can see the 100 hours at {$350.00} per hour gets very expensive. 

We are scheduled to close this Friday. We are truly at our wits end. 

Even with my tremendous amount of experience, this has stumped everybody involved and we have no idea what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the American Express Platinum card under a XXXX XXXX point offer that required {$3000.00} of spend in the first three months. After meeting the requirements for {$3000.00} in spend, I received the XXXX XXXX points on XXXX XXXX, 2016. I was initially frozen from using these points for one month, per AMEX policy. Once the month was done, I was able to transfer XXXX points to an AMEX partner, XXXX, through the AMEX XXXX website. However, upon logging into my account a week ago, American Express had taken back the XXXX points they had given per the terms of the credit card agreement. I have tried to reach out to American Express via both online chat and by telephone. Online chat directed me to call American Express directly, whom then told me that they would call with a resolution in 2-3 business days on XXXX. As the time has passed and I have not received a resolution to the missing XXXX points, I am writing the CFPB with the goal of being proactive in getting these points readded to my account. 

In the telephone call with the representative, he made a point to note how I received the {$200.00} airline reimbursement on my card ( a perk of the Platinum card- {$200.00} annual airline reimbursement ). I told him that I applied online through the AMEX website and selected XXXX as my partner. I have seen reports online that the reimbursement on these cards has triggered a pullback of the XXXX XXXX points ; this may have something to do with the error in the system. Regardless, I met the appropriate requirements for the card 's offer in question and now the XXXX points are missing from my account. 

To summarize, I met the requirements of the card 's offer I signed up for ( {$3000.00} spend in the first three months=XXXX XXXX points ). I was given the reward In XXXX and had the reward taken out of my account in XXXX, leaving me with a negative balance of XXXX points ( XXXX XXXX points ). There was no explanation for why the points were taken away from AMEX, even after repeated attempts to contact the company.

Company response to consumer: Closed with explanation