BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Home Mortgage has declined my request for assistance under the HAMP program. I have an adjustable rate, negative amortization mortgage that they have refused to modify into a fixed rate affordable mortgage. Despite providing tax return documentation and current bank statements, they have incorrectly calculated my gross monthly income by at least XXXX They claim my housing expense exceeds the HAMP XXXX % guideline although based on the income documentation I have provided is is less than XXXX %. I feel they are taking advantage of my inconsistent monthly income flow that is common in my employment as a XXXX to keep me in a adjustable rate mortgage that currently has a 7.3 % interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
After providing Wells Fargo with the Notice of Assessment Reduction on XX/XX/XXXX we received a letter stating that Wells Fargo was increasing the escrow amount that was extracted bi-weekly beginning XX/XX/XXXX. 

We sent XXXX other letters showing the reductions and that the XXXX XXXX insurance amount was also being reduced by XXXX / year and Wells Fargo proceeded to remove the new increased amount on XX/XX/XXXX th. 

This increase caused our account to go overdrawn and we called and attempted to correct this for XXXX weeks. We need to have the previous amount returned and the adjusted reductions applied XXXX so that we can continue with our payment agreements.

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 2015-09-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I relocated from XXXX to XXXX for better employment. I was at my new employment for 13 months before being let go. I then had to relocate a XXXX time, living with my parents for 5 months while seeking new employment. I relocated a XXXX time after obtaining new employment. The whole time, I continued to pay the mortgage on the home from my savings, credit cards and help from parents until I exhausted all my available funds. I also had the home listed for sale for two years. 
In XX/XX/2014 I sought the assistance of a HUD counseling agency to assist me in exploring the avenue of a deed in lieu of foreclosure. We have diligently contacted the bank with no success in obtaining a clear process for it. Now they have foreclosed on the home and made me responsible for the deficiency. I am at the mercy of a bank that refuses to work with me to rectify the situation to mutual satisfaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been a customer of Wells Fargo for over 15 years. Wells Fargo has consistently approved debit card transactions and transfers on my account and then charged me overdraft fees after the fact. This is not a one or two-time occurrence ; it happens consistently. They will make sure to process transactions in an order that assures that you will get charged as many overdraft fees as possible.

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 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA NA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citicards website is broken and does not display properly my account and all the important details, not allowing me to track the charges. Phone and online customer service does not work. In branch services do not work. As such, I am unable to decide which charges are legitimate and which are fraudulent - as I do not have access to my online account at all. Tried three different browsers, a phone - same results. Phone service auto hangs 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 2023-07-23
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo has continuously lost documents including my quit claim sent to them a number of times, delaying and causing me to have a decision on a modification postponed numerous times over the past few years. 
Modification trial payments were made and all documents were sent in again and again and again upon request from Wells Fargo because they continued to lose documents. Wells Fargo send me final documents with wrong information on the documents and did not follow guidelines per the quit claim. Wells Fargo assured me they would resend corrected document. I never received corrected documents. Wells Fargo has escalated to foreclosure on my mortgage. I have received a new letter stating they are willing to work on another modification at the same time they are working on foreclosure.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is showing that I owe {$420.00} on my credit reports I have never had a XXXX XXXX  account. I never ordered anything from XXXX I checked with the post office and nothing was ever delivered to my PO box  from XXXX if something was delivered you would have a signature please send a copy of the signature this is not my account please delete from credit reports today

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 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
In XX/XX/2020, I filed bankruptcy. Capital One was listed on my bankruptcy but I wanted to keep making car payments because I didn't intend to surrender the vehicle. I filed pro se. Capital One promptly closed the account and transferred it to another lender without notifying me in writing. I called the number that they gave me and no-one ever answered my calls to get information. Concurrently, Capital One wasn't answering my calls either. The bankruptcy was dismissed because the filing period was too short. Capital One re-opened the file and marked it past due 6 months. Well now I am unemployed and they were demanding full payment or one payment before talking to negotiate. I wanted to negotiate beforehand because there was no guarantee they would settle or negotiate terms after I paid. They repossessed the vehicle without letting me know so that I could collect my things after I asked them to give me the courtesy heads up so I could clean it out. I asked for record of communication from them notifying me that they were transferring the account to another lender when I filed bankruptcy and the declined and said they didn't have one, nor did they have a phone number for this company other than an internal transfer number. So they transferred to a subsidiary of Captial One which is a loophole around the bankruptcy stay. They have only sent me 1 written communication since XX/XX/2020 and I just received it in XXXX. 

I am filing a complaint because I feel these practices are unethical. I am not upset about the repossession but the fact that they denied me every right and protection as a consumer leading up to the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Old Navy Credit Card Account with Synchrony Bank was closed with no notification to me. The only reason I knew this happened was due to an alert on my credit report. I was advised It was because my card had a {$0.00} balance and was not used recently. This account closure is negatively affecting my credit report because it decreased the total amount of available credit I have across all cards and decreased the average age of my accounts. This was an account I had for many years. When I spoke to the Bank they advised me there was nothing they could do. I spoke to an account manager named XXXX that showed no interest in assisting me and made it seem like I did something wrong because I was not carrying a balance. Credit Card accounts should not be closed unless there are missed payments or at the request of the cardholder. I want the account reinstated.

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 2016-10-22
Company: Stellar Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX continues to claim that I owe money for an account that was never mine. The same debt has been added to my credit report in collections for the third time. I have cleared the issue with XXXX XXXX twice and it was erased, but has somehow returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Bread Financial Holdings, Inc.
State: FL
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. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITY BANK/LNBRYANT  XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2021-11-27
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed all of my accounts with Citibank in XX/XX/2021. They have refused to close a savings account ending in XXXX I have called them numerous times and spent many hours on the phone they are wholly incompetent and unwilling to locate and close the account however they know enough to continue charging me {$XXXX} per month and overdrawing the account with account fees although the account has been closed for over XXXX months

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 2022-09-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated from XXXX XXXX College with around {$70000.00} in private student loans from SallieMae with a very high interest and around {$30000.00} in federal student loans. I was hired right away as a XXXX with a salary of {$36000.00} a year. My total payments a month are {$760.00} for my private loan and {$160.00} for federal loan with a total monthly payment of {$920.00}. My monthly income is {$2000.00}. Which means just about 50 % of my income is going to my student loans. I am unable to live off of the remaining money. I have tried to refinance ; however, they say that I can not because of my debt to income ratio is too high. I am stuck with this huge student debt that I am not able to pay and live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We have banked with Suntrust for years. And NEVER had an issue. Not once. 
Ever since the merger to become Truist, its been a nightmare. 

To start, we check our bank account daily. And we noticed that our bank account was dropping significantly! Well, when we use our debit card, it automatically takes money out of our available balance. As it should. The next day, if the transaction is still showing pending, Truist then takes the money AGAIN. Now Im not Talking about paying pills- because that usually always takes a couple days to come out. But its day to day transactions that are getting taken out twice! Truist customer service has told us theres nothing they can do. And its a merchant problem not them. Which I find HIGHLY unlikely since we didnt have this problem until Truist took over. Im not talking small amounts either. Over the course of 4 months we are missing ATLEAST {$3000.00}. Probably more. They refuse to do anything about it.

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 2016-07-07
Company: WELLS FARGO & COMPANY
State: MD
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:
Wells Fargo did not tell me that I personally had to submit an enrollment verification. I was told this was done through the clearing house and my enrollment in school would be verified. However they did not do this and my student loan was subsequently charged off at the end of the month. I received no phone calls from XX/XX/2016-XX/XX/2016. I received a phone call today stating that my enrollment verification was not received. Who knew that I had to send it in. I received an email from my school on XXXX/XXXX/16 that my registration was finalized and I was officially enrolled in school. I spoke to " XXXX '' who was very condescending and pretty much told me I need to own up to my faults and take responsibility for my actions. I find it very sad and disheartening that it took for my loans to charge off in order to get any type of payment help. But that is very much a different story. I have repeatedly asked for help to no avail. But I digress. " XXXX '' basically told me that I should seek another loan to pay them off or ask my job for the money. How unprofessional is that?! Regardless I set up payment arrangements to begin paying off on my wrongfully defaulted student loans. I think that this should be reversed and my loans put on an in-school forbearance. She solely went off of what the girl put in the system when she spoke to me. She is allegedly reviewing the tapes to see what was actually said. Let 's see if I get a phone call back. I still have n't heard back from XXXX and that was about 3 months ago. I am just frustrated with them. They have got to be THE absolute worst company to deal with. Their staff can be very combative and aggressive, nobody is every really very pleasant and when you call them out on their stuff, there is conflict. That is when they go on the defense and the conversation goes south quick. I hope maybe this time I can get some help or clear guidance on how this works, what was actually supposed to be done, and what the purpose of the clearing house is if they do not regularly check it. This is probably all over the place but I am frustrated and upset that this has happened to me. Somebody dropped the ball and now I have to pay. And of course it will be my fault, because with them the consumer is never right.

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