BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card
Issue: Payoff process

Complaint:
I applied for credit card in Wells Fargo recently and they approved my credit card and then closed all my accounts due to fictitious claims and fraud they filed against me without any due process. When i found out that i can used the card i then applied for balance transfer for the amount of XXXX dollars under XXXX card. It 's almost been 2 weeks since i did it and no response was made so i applied for a new card to take advantage of the offer of zero APR for 15 mos. I called Wells Fargo to follow up so that i can just consolidate my debt in one and they did approved the balance transfer after the conversation on the phone and then after that i was issued a letter informing me about the closure. They are very tricky since i had a feeling that my balance transfer will either be denied if i did n't have any card at all and so even if i still have doubts i continued the process. And what a co-incidence when my accounts was closed on XXXX XXXX, 2015 then the letter came in dated XXXX XXXX, 2015 closing the credit card while when i called earlier for follow up i was n't informed about the closure. So to make it short i applied for balance transfer again to another account to avoid any inconvenience and surprises under the company and i am waiving the balance transfer fee since i was charged XXXX dollars for savings account without issuing any checks at all and if somebody issued me a check or remittance they are the XXXX liable for any draft fee. I feel humiliated for their harsh treatment and being ignored in spite of my plea to prevent my account from closing too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All XXXX credit bureaus show incorrect reporting of XXXX school loan debt. I resolved the issue with this debt holder. Originally I was not aware of the debt and never paid it. However the holder realized I 'd not been fully informed and also realized under the student loans, I have discretionary forbearance of several months that I had not used, so they simply retroactively conveyed the forbearance and cleared up all past due issues, including any credit reporting claims. I spoke with them again and they ensured they will clear up on their end. I write this complain to ensure this process of clearing any false negative reporting on all XXXX is conclusively reversed and removed regarding all student loan and/or XXXX debt or any debt for that matter, as I 'm current on any and all debts. Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX and have my current mortgage with Wells Fargo Home Mortgage. My parents co-signed for my mortgage with the intentions that I would refinance in a couple of years to have the mortgage placed in my name. How dare the underwriter ask me to write a letter as to why my parents are being removed. Wells Fargo currently holds my mortgage and it has excellent payment history. I am trying to refinance my FHA loan with the Wells Fargo Home Mortgage Office in XXXX, WV. Their address is XXXX XXXX XXXX, XXXX, WV XXXX and the loan officer 's name is XXXX XXXX and the processor 's name is XXXX XXXX. 

I have been put through such a horrible ordeal. It has been well over 3 months and I have yet to receive anything in writing whether the loan was approved or suspended. All I continue to get is a phone call from the LO or processor asking for more documentation the underwriter is asking for. I 've even had to quote FHA guidelines to them because they were asking for things that were not required. Wells Fargo is in violation of providing a written loan disposition. 

The last straw was when I received another phone call from the loan officer last week stating that I will need to obtain a credit supplement for my student loans. I am on an income based loan repayment and gave this to the loan officer and processor in XXXX!!! Now they ask for it again? They drag the process out and documents expire so they will ask for more documentation. I have provided everything they asked for within 24 hours only to be told I need to provide something else. They also asked me many weeks ago to get a gift letter in order to have reserves. Yet, here I wait with no answer for three months. I have done everything they have asked. 

I placed a call yesterday to the loan officer and processor for the name of a supervisor that I could speak with to get some results. The loan officer stated he did n't know who that was as he was not in the office, the processor stated she could n't reach him and was working on it. It has been 24 hours and I still have not heard from them as to who the supervisor is I can speak with. 

This is n't the first complaint I 've heard about Wells Fargo Home Mortgage. A friend of mine who is selling her home in Florida and her buyers were going through Wells Fargo after 4 long months of the same thing, dragging their feet, asking for more stuff, they finally had to pull the loan and it was approved and closed in less than 30 days. Now how is that possible that as big as Wells Fargo is, they can not do things in a timely manner. The stress that I have been put through is causing major health problems for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My IN-LAW used Wells Fargo SurePay to transfer money to my Wells Fargo account. My In Law provided my account number and name in the process. She attempted to send XXXX on XXXX/XXXX/16 but as of today, Still have n't received it. Wells Fargo said it was " Successfully '' transferred.. but instead.. it was sent to XXXX XXXX XXXX. So I contacted XXXX XXXX XXXX, Let them know what 's going on and they said they have nothing to do with it. I am a previous XXXX XXXX XXXX customer. But still, that have nothing to do with it. My IN LAW was tried to dispute the XXXX with Wells Fargo but instead, she was told that it 's up to XXXX XXXX XXXX to Re-Direct the money back to where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Was promised by Wells Fargo that I qualified for 10.1 % downpayment on jumbo loan. In fact, I received a pre-approval stating as much. I shopped around at other banks and those required a 15 % downpayment, so I chose Wells Fargo. About one week after the offer had been accepted, WF stated that the downpayment would need to be 20 %. Needless to say, on a sales price of {$900000.00}, this made a huge difference and because of the post-cash liquidity requirements we were forced to make withdrawals from our IRA in order to keep the deal. In the ultra competitive real estate market in XXXX, I could not stop the accelerated close process and switch to another bank. WF could never give me a good reason why I no longer qualified for the 10.1 % downpayment, but blamed it on the underwriters. I heard of the exact same situation happening to an acquaintance of mine in Indiana. I believe WF knew we had the retirement assets at our disposal and changed the downpayment after we selected them. I also believe this is a typical practice by WF and is typical of their shady practices when promising XXXX thing and delivering another.

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 2016-06-11
Company: WELLS FARGO & COMPANY
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have a personal loan with Wells Fargo. We got behind on payments when I was unable to work due to XXXX due to XXXX. They refused to set up a payment plan. Every time I called to try to make a {$300.00} payment they said that was n't enough. And refused any payment at all, letting the account get even further behind. I tried to make a payment at the beginning of XXXX and they said it was n't enough. I told them I would call on XXXX XXXX and make a {$610.00} payment. Before I had a chance to do so, without any notification they took {$910.00} out of my checking account. According to them that was completely legal and they do n't need to even tell us first. I have been a wells fargo member since 1990 and feel completely taken advantage of.

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 2015-09-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Here is my situation. I bought a property in XX/XX/XXXX that was appraised at {$420000.00}, and put down XXXX. I refinanced that property in XX/XX/XXXX and it was appraised at {$400000.00}, which I questioned because the comparables were stick built and my building is concrete and steel.. The refinance was approved. 
My current mortgage balance is approximately XXXX. 
At this time, similar properties in this building are listed and selling for XXXX to XXXX. 
I have been patiently waiting for the value to return to this property and figured that in XX/XX/XXXX that would be the bottom, but obviously it is at a new low. 
I feel like I was taken advantage of by this practice of over inflating the appraisal and poorly trained lender or bank staffDo I have a case for principal reduction. I have contacted the lender, Wells Fargo, and no response. 
How do I proceed from here. 

Thank you for your time.

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: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am refinancing my home and I contacted WellsFargo on two separate occasions and have requested a loan payoff.First in XXXX of 2016 when I called I was told that they would have to fax me that info due to the fact that I had done a loan modification and I that I wanted to make sure that that modification was included in my payoff amount that they sent me.That was on a Friday and I said that was fine. When I returned to work on Monday the payoff quote was on my fax machine. I have attached a copy. I did not get to close on my refinance loan. I again contact them and ask for another payoff quote and asked that they again fax it to me, at this time I ask to make sure that the loan modification be included in my payoff and I was told it would be. I go to my banker on Thursday XX/XX/2016 and he has order a title search and finds that I have a second lien on my property, I do agree that I did the loan modification and I do agree that I was told that there would be a second lien on my property.However, when I asked specific questions to WellsFargo if that amount would be included in my loan payoff I was was told yes 2 separate times by WellsFargo employees that it would be included. When me and my banker that is doing my refinance called them on XXXX XXXX 2016 is when we was told that I would have to contact HUD for that payoff. My complaint is that if this information was in my account all this time why did no one tell me until now? A supervisor named XXXX XXXX then goes to tell me that she is n't sure why they would n't have give me this information as to why I specifically asked for it. Now this has been turned over to a XXXX with WellsFargo she has just informed me that there is nothing that they can do. I think this XXXX unfair and misleading information that I have been provided by WellsFargo.

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 2023-02-01
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently opened a credit card with Citi ( XXXX XXXX ) because it offers no foreign transaction fees as a benefit. I recently traveled outside the country to XXXX from XX/XX/23 to XX/XX/23 and was planning on using my card to take advantage of the benefit. The entire time I was in XXXX the credit card was not accepted when I tried to use it. I contacted Citi on XX/XX/23 while in XXXX to inquire about the problem. The customer service representative indicated that no charges were declined on the card. While the charges were not declined, there is still a problem with the card / network / system because my card could not be used. Each time I tried to use it at a merchant, it was not accepted. It is especially problematic because my husband ( who I was traveling with ) also has a Citi credit card and WAS able to use it during the entire trip without issue. In fact, he could use his Citi credit card at ALL of the same merchants where my credit card could not be used. 

Because I could not use my Citi XXXX XXXX for the entire trip I had to withdraw a significant amount of cash using my debit card multiple times, which incurred ATM fees at both my bank and the bank in XXXX. Additionally, we were forced to use my husband 's credit card, which charges foreign transaction fees. 

Because my card could not be used, I incurred additional fees and expenses that I was not expecting. I believe it is unfair and deceptive that a credit card that advertises " no foreign transaction fees '' could not be used while I was traveling outside the country.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is raising my payment from {$1300.00} to {$2900.00} while in bankruptcy, the only reason they are giving is because they made a mistake, and the insurance is not even included. Please help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: UNITED COMMUNITY BANK
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified in XXXX XXXX that I was behind on mortgage payments in excess of {$4100.00}. This is inaccurate since I have made every single payment on-time as scheduled since notifying the bank in XXXX of XXXX that I would not be needing further assistance by way of deferring payments enforced by the fed guidelines in the Cares Act and that I would be resuming payments as of XX/XX/XXXX. On XX/XX/XXXX, I resumed my mortgage payments as shown online using the United Community Bank website for payment reference. United Community Bank initially started refusing bank teller payments after my first 2 payments and stated I would need to use the online banking payment option to make my payments on my mortgage, which i started doing around XXXX, XXXX. It was not until around XXXX XXXX that I was threatened to make an over {$4100.00} payment to bring the account current. After several attempts to contact the bank I was told that due to Covid the bank was severely behind in account reconciliations and they were working on the issues, yet they have still taken severe Steps to intimidate me by posting notices to my door, taking pictures of the house m, and delivering threatening letters of 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 2021-11-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX, XXXX XXXX, 2021, I closed on a refinance with a local XXXX union. My original mortgage was owned and serviced by Suntrust Bank ( or now known as Truist Bank ). I decided to move from Truist Bank to the local credit union due to the credit union having better rates and service. This credit union disbursed and paid out the rest of my loan balance with Truist Bank  on XXXX XXXX XXXX, 2021. 

Prior to the closing and refinance on XX/XX/XXXX, I called Suntrust to inquire about how an escrow balance refund was handled. My escrow contained roughly {$XXXX} at the time. The Suntrust officer reassured me ( via phone ) that the escrow balance would be refunded in full within XXXX days of the closing date- with the amount being mailed as a check to my home address on file. 

I called Suntrust  again on XX/XX/2021 to notify them that I had still not received my check in the mail, and to request a re-issuing of the check. The agent on the phone told me that the previous agent was incorrect with the supplied dates, and that I would need to wait until at least XX/XX/XXXX before the bank would attempt to re-issue a check. I also suggested to the agent that they could cancel the check that was supposedly sent, and instead, I could come into a branch with ID to physically pick up a check equal to my escrow account balance total. That was denied. I also asked if the check sent had any tracking information on it, so that I could at least know when to expect it ( or report it lost in transit, whenever necessary ), and that was also denied. 

At this point, it has been over a XXXX since my refinancing and closing date with another institution. I no longer have an account with Suntrust / Truist Bank, and can no longer use my previous accounts with Truist, as they remove access once the loan amount is paid off. I don't have access to the money that was in my escrow account at Truist, I am denied any requests to re-issuing a check, and whenever I call the Truist help-line, none of the agents are able to tell me where the money is or how I can get it. They just tell me that I need to wait until an ever-changing amount of time has passed before they restart the process over again.

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 2015-03-30
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
AmeriHome Mortgage XXXX XXXX XXXX XXXX XXXX XXXX did n't escrow private mortgage insurance ( PMI ) on my loan since the inception of the loan which was 2.5 years ago. Now the company is claiming that we owe them PMI premiums for the past 2.5 years. They have put our esrow account in a negative standing and have increased our mortgage payment by over {$400.00} to cover the escrow advance. I have never gotten a written response or an explanation from the company on why they have done this. I have had numerous unsucessfull phone callls with them. Person on the other end of the line was never willing to help or able to help. I was always told that someone from their " escrow dept '' will call me w/in 5 days and I never received a call. I have sent XXXX certified mail letters and have never gotten a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
No matter how much I do verification or whatever Capital One keeps locking my account freezing my transactions reversing my transactions I'm going to get criminal charges for a vehicle because they keep reversing a transaction that I'm calling to tell them I'm making. I am bed bound I physically can not ride an hour and a half to go to a brick-and-mortar building I have told them this over and over I've also told them that I have a id me online or I could send them a selfie go to my ID with today 's date anything that I could possibly do besides physically be there and no one will work with me and they keep locking my account and I was supposed to be out of my house 2 weeks ago I have till tomorrow and I can't access any of my money and when they say I can and unlock everything they reverse all the charges again and the dealership said they are going to go for criminal charges if I don't get it taken care of soon

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on XXXX  XXXX, XXXX XXXX, XXXX  XXXX for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been contacting Trans Union for several months now about the XXXX that is showing on account for XXXX on my credit report. The account remarks are stating Chapter XXXX but I never filed bankruptcy. I contacted Trans Union and they sent me a letter that the remarks were not showing but they were. I even contacted the XXXX and asked them did they send this information to the bureaus and they sent a response letter stating no and often times the credit bureaus report inaccurate information and I should reach out to the governing authorities about the situation. I have the letters attached.

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