BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: WELLS FARGO & COMPANY
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I took a private student loan out with XXXX XXXX in XXXX. I was in deferment of this loan until XXXX/XXXX/XXXX due to half time school status. In XXXX XXXX of XXXX, the loan was bought out by Wells Fargo. By XXXX XXXX, I was told that i was already {$230.00} past due. I have record of payment for XXXX through XXXX with the request of a forbearance in XXXX XXXX. With no word on forebearance I continued to struggle through payments. However, payment was made in XXXX and XXXX and on XXXX XXXX XXXX, I was defaulted. I worked with them to rehabilitate the loan despite continued hardship and the deferment of my other federal loans. I have record of payment to rehabilitate the loan from the XXXX after deferment to XXXX. In XXXX of XXXX, the loan was sent to a collection agency ( XXXX XXXX XXXX ) They offered to settle out for {$8400.00} which I did not have. I told them my financial income and expenses and said I could make payments of {$150.00}. They would not agree to this and continued to harass me until the following XXXX XXXX XXXX ). Messages for this debt have also been left on my phone for a XXXX XXXX. The loan was then passed off to a second collection agency which also harrased me and tried to take {$2000.00} from my checking without authorization. My bank denied the transaction. Harrasment became so bad and they were so unwilling to set up a payment plan that a cease and dissist letter was written so that they stopped contacting my employer. Since XXXX of XXXX, I have worked to try and continue sending payment. However I have no access to my wells fargo account online and neither the collection agency or wells fargo will return a call. The money I have sent is continued to be cashed but i have no way of seeing how much is owed ( if any ). Therefore, I have no way of settling out or continuing to make payment and know that it is being applied legally to the loan. Despite any past hardship I might have had, I paid this loan in accordance to the promissory note terms and feel i was illegally put into default. Regardless of the default I am now able to pay this loan but currently have no way of knowing where my money is going and what is left to pay. Any help is appreciated!!! I am working hard to do the right and honest thing.

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 2016-07-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a call from LoanCare LLC, who just assumed my mortgage less than 30 days ago, and they claimed that my debt was overdue. When pressed, she finally relented and said I have 60 days to pay without penalty and then attempt to get my personal financial information in order to avoid incurring fees.

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 2016-09-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The most recently case : I contact with Wells Fargo they my case # XXXX. XXXX XXXX XXXX XXXX. I just opened a checking account in XXXX then after I got a letter to stating I applied credit card with Wells Fargo ( which I did not authorized ). After this Wells Fargo send me letter say they closed my checking account, because I am red flag with Wells Fargo. I 've been contacting with them multiple times, they said back then XXXX I had account with Wells Fargo, also accuse me the reason not allow me have account with Wells Fargo because " My account '' shows I am doing illegal things. Since then Wells Fargo put me in their red flag. This been really ridiculous because I lived in XXXX attending my school, there is no Wells Fargo bank in XXXX state. ( Move in XXXX on XXXX ) I 've been calling every month, the bank been give me a hard time, play the phone game ( I 've been talked to XXXX departments with Wells Fargo ). I asked them to check or give me more information about " the account ( which opened in XXXX ) '' they could n't find anything on that. after six months they send me a package with " personal identity stolen or protection blablabla ''. That 's it. Since then Wells Fargo not allow me open account with them. So this whole story from unauthorized credit card application to accuse me illegal activity " account back opened in 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 2016-09-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I set up an Account with WellsFargo in 2008. I made a settlement to pay off XXXX account. Today I received a call saying I have another account that needs to be paid off. Again they made another settlement. I just want to be sure that I 'm not just giving wellsfargo money after reading about all the fake accounts.

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 2016-08-14
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
On/about XXXX XXXX 2016 I applied for a Discover it credit card on XXXX. On XXXX XXXX I got an email confirming that I was approved for the Discover it card and that {$50.00} gift card was loaded to my XXXX account as part of my approved card, which would be mailed to me. Around that time I also checked my credit reports on creditkarma and found that my XXXX credit score was excellent. XXXX scored slightly lower and " good. '' By XXXX XXXX I still had not received the credit card from Discover and I became concerned. I called Discover at XXXX and told them about it. They said they would close my account ending in XXXX and issue me a new Discover it card with a different account number and it would be mailed to me in 3-7 days. They confirmed that they do have my correct address. I asked what the last XXXX numbers of the new credit card would be and customer service said they ca n't tell me. 
I called Discover the next day and asked if they would -- per the Discover it card terms on XXXX -- send the replacement card by overnight shipping. Customer service put me on hold a few minutes then came back and said yes the card would be sent overnight shipping. So I 'm not sure what " overnight '' means in Discover land but it 's been longer than overnight in my world. 
My complaints are XXXX : Why is this credit card mailing being delayed? I noticed that the " approved '' Discover it card has been deleted from my list of credit cards on my XXXX account. And no further notice of approval has appeared on either my amazon or been sent to me by email. I 'm sensing an element of deception here. 
XXXX. My credit scores as of today have dropped XXXX points and XXXX points respectively for XXXX and XXXX. The only recent change in my activity has been my application and approval for the Discover it card that never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: WELLS FARGO & COMPANY
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
this is second time i write about wells fargo business account other answer was ridiculous. and in no way resolved issue. i resent spending my time like this. 
i again got feed on my business accounts WHEN IN XX/XX/XXXX i opened it up promised 6 months no fees on businesss accounts. i am closing all accounts later this month. i am tire dof the mishap this is why the account is not funded and will not be since wells can not keep a promiseplease credit the fees asap and make sure it does not happen this month i am leaving this month i asked for one year i did not get it which is why its not funded GREED GREED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I deposited cash into an ATM at Wells Fargo XXXX on Saturday XXXX XXXX. The ATM took the cash, did not credit my account and also took my ATM card. When I went inside the branch the manager, XXXX XXXX, told me that my cash deposit would be credited to my account within 2-4 hours. He suggested that if I need to buy groceries before my account is credited then to go ahead and write a check to the grocery store and the store wo n't cash it for 5 days or so. The bank rules say cash deposits are not credited until the next business day ... ... it is the next business day and I still do n't have my money available for use.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A " law office '' contacted me saying they were going to seize my property ( I do n't own property ) pay Wachovia. I have not had an account since 2009 with Wachovia/Wells Fargo. The statue of limitations should be close, and I dont own them money. the law office said they would see me in court then hung the phone up

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 2015-12-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My son was XXXX and told the Wells Fargo banker we needed to set up a free checking student bank account before he goes to college. We completely set up the account and then in a few months her turned XXXX and started charging fee. I called to complain and they said they 'd give us no charge as a courtesy for a few months. They said it was a free account knowing it would not be free in a few months when he turned XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: GA
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:
I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

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 2016-03-28
Company: WELLS FARGO & COMPANY
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Debt on my credit for {$3000.00} states a charge off XXXX XXXX XXXX 2016 I spoke to someone at your office about a debt on my credit report. I asked the operator why this is owed and she stated she was unsure but is willing to settle for {$2500.00}. A letter sent to Wells Fargo was sent asking for explaination as to why I owe this but after 30days I have yet to receive anything. I 've also sent a copy to all the XXXX major credit agencies certified And sent a complaint to the XXXX ... .which your company failed to respond to. Im demanding a detailed explaination of how I owe this balance. The next step after this is a lawyer.

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 2016-09-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I filed a letter of concern to Wells Fargo Dealership Services about the conflicting information regarding my vehicle payment. My response was one of threatening rather than corrective action. In fact, it was as if I should be happy that I was not turned into the credit bureau. Now I have been told three different due dates by agents of Wells Fargo. The first was at signing and I confirmed payment would be due starting XXXX each month. However, later when receiving documents I saw due date XXXX of each month. Then when I visited the branch bank of Wells Fargo, the teller said that I could pay how much I wanted on the note ( more or less than stated fee ) and within 30 days. Lastly, when complaining further via the phone and letter, I was told the XXXX each month. My funds come in by the XXXX monthly and that is why I had requested the XXXX at signing. It is unfortunate that each time I speak to administrators with Wells Fargo there is always a threatening tone.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 found a company that I was intersted in, but they wanted to run a credit check and when I asked would it be a hard inquiry I opt out and they still ran my credit without my consent and it keeps showing up every month along with other companies I did not apply for credit for. 
XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXXXXXX XXXX Balance : {$0.00} ; 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 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 2015-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX, 2015, and by certified mail, as noted above to the XXXX major credit reporting agencies, and as documented via uploaded signed certified receipt green card, with my complaint. As per the Fair Credit Reporting Laws, the XXXX listed credit reporting agencies failed to respond within thirty ( 30 ) days. Credit Agencies have listed the account with account number XXXX. The account number is NOT 100 % correct, by law if the information is not 100 % correct namely the account #. IT MUST BE REMOVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In previous correspondence and all replies from Wells Fargo Home Mortgage, the generated robo letter states, " Wells Fargo is unable to establish contact with me ''. With all correspondence sent and owing my home for over 10 years and not changing my phone number, email, etc. The information has remained the same, additionally I attempted to establish contact with my new point of contact ( XXXX XXXX ). After visiting the Wells Fargo branch on XXXX XXXX, located in XXXX and chatting with representative XXXX XXXX. I attempted two phone calls direct to ( XXXX ) XXXX at XXXX and XXXX, both went directly to voicemail, without a return phone call and or email, etc. I have come to the conclusion that Wells Fargo Home Mortgage does not want to solve any issue that I may have and or resolve any confusion on my accounts. What XXXX XXXX did do today, was listen to concerns intently and assured me that he would do everything in his power and control to make certain that I have a pleasurable experience moving forward. Since first contacting Wells Fargo Home Mortgage and numerous points of contacts it has been my hope to obtain some sort of resolution as to how my payments were applied. Not once did Wells Fargo Home Mortgage request any receipts, bills, proof, yet they continue to send my information to collection and foreclosure bureaus. It is disturbing that a conglomerate of this magnitude operates on such a low level. Attached are the payment history of what I have deposited on a daily basis. Store # XXXX {$760.00}. Store # XXXX {$760.00}. Store # XXXX {$760.00}. Store # XXXX {$760.00}. XXXX # XXXX {$810.00}. Store # XXXX {$810.00}. Store # XXXX {$810.00}. XXXX # XXXX {$800.00}. Store # XXXX {$840.00}. Store # XXXX {$770.00}. XXXX # XXXX {$50.00}. Store # XXXX {$1300.00}. XXXX # XXXX $ XXXX funds of {$540.00} for XXXX {$840.00}. Store # XXXX $ XXXX/Unapplied funds of XXXX for XX/XX/XXXX/Total {$1600.00}. All totaling {$11000.00}. The following information is readily available in all records of the banks, how Wells Fargo Home Mortgage chose to apply these deposits is of question. There have been several unauthorized escrow analysis without my knowledge or consent, yet I have not received a definitive answer to my concerns, just robo replies. To suggest that " We are unable to establish contact '', especially when I make the opportunity to call XXXX XXXX ( XXXX ) XXXX and contact Wells Fargo Ceo 's directly. It is my hope that anyone from Wells Fargo Home Mortgage, will address my repeated concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am not understanding Wells Fargo has done with my money I have sent to them. 
It seems I have too much due and I am frustrated with this procedure. 
I want to include a copy of all payments sent to Wells Fargo this year. 
Something is not correct.

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 2016-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check into Wells Fargo Bank and was told that funds would be available the very next day. However, Wells Fargo is holding my funds until the XXXX/XXXX/16. When I spoke with their agent I was told that they would not have funds available to me because the other account in which the check was issued from had not cleared for the account to be available for use. The check was in the amount of {$4000.00} and {$0.00} is available. After learning I went over to my HR personnel only to discover that the funds had already been released and cleared on their end. Subsequently, I called Wells Fargo and was told that any available funds would only be available at the disgression. I feel as though WF is in violation of XXXX and is holding my funds based on the racial/ethnic content of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief