BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I cancelled my card due to a fraudulent charge that caused a major overdraft situation, and ordered a new Debit card. I went to my local Wells Fargo Bank branch to get a temporary debit card XX/XX/XXXX. I asked the branch rep if she could make sure my account would not allow transactions that would leave me with a negative. She said, " yes, we can do that. '' I asked if that protected me for online purchases, she said " yes. '' So for a couple months I 've been under the assumption that this service was available to me. Friday, XX/XX/XXXX I made XXXX purchases online, through XXXX, and I apparently went negative. The transactions went through XX/XX/XXXX, and after realizing that happened, I immediately went to the bank to put money in the account. I needed to made another purchase for work, and I put {$100.00} in my account Monday, XX/XX/XXXX, leaving me with a XXXX+ balance, which all seemed off. Then I checked my balance again, and I only had {$28.00} dollars! Se regardless of whatever efforts I made to put money in my account over the weekend, it did not matter. Seems that the bank waited to charge my account the next business day, confusing me, causing me to lose {$70.00}. I could have just closed the account instead and they could have lost a customer, and kept my money. I contacted several customer service people yesterday and today, and they said " they can not do anything about it. Sorry you were not given the right information. '' I also found out that the service to not allow my account to go into the negative was never on to begin with, and was only specific to the temporary debt card, not my account. Customer Service " apologized for the inconvenience '' then activated that for XX/XX/XXXX. But then they explained that anything online would be considered an Automated Payment, and that is n't going to be protected by that service anyway, which goes against what the representative at the branch said. So the information I was given was faulty, the help I 've received was little too late, and the apathy for this customer misinformation is astounding. I really would like my {$70.00} dollars back thanks to this. I did n't deserve this slap on the wrist. I manage my account as best as I can, and try to stay as informed as I can. I remained calm, but I know I require more help to get my cash back. That 's my hard earned dollars and I do n't deserve to be punished for something I obviously tried to prevent from happening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-03
Company: WELLS FARGO & COMPANY
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am being charged a late fee each month on a purchase I made which was financed thru Wells Fargo, This was a 12 mo no interest agreement. I get paid once a month at the beginning of the month so make payment at that time so it 's not late. All of my payments are made online which states payments take effect the same day if submitted by XXXX Pacific Time. I made a payment of {$140.00} on XXXX/XXXX/15 which was the end of the billing cycle, but the payment did n't show up until the billing cycle beginning XXXX/XXXX/15 and then charged me a late fee. Each month I 've been charged a late fee and a {$1.00} interest charge. 
They said I pay too early and they ca n't do anything about the late fees, but would refund 2 months which they only refunded 1 month and then charged me again. I have attached copies of the receipts and statements where the problem first began.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-18
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 maybe federal credit union withdrawal or reverse {$200.00} out of my account which day were not entitled to do the claim that they have reversed it to {$200.00} from my account because they have gave given me credit for dispute I have made which day did not and never automatic give me credit I have several dispute pending which the did not give credit for while speaking with the representative they indicated that it was their error and they should not have taken the money out of our account maybe federal constantly reverses they constantly steal and over charge please investigate all products and services from maybe Federal credit Union to ensure this business banking institution is running according to United States federal regulations in any misconduct mismanagement they should be charge according to United States federal law

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It is my belief that Roundpoint Mortgage should terminate PMI fees now that I have reached the XXXX % threshold as stated in my original PMI loan documents. I notified them in writing as required. I have never been delinquent on any of my payments to them since the loans inception, I have a XXXX plus credit rating and my house market appreciation has well exceeded the original loan apraisel based on other homes recently sold in my area. 
They insist on requiring me to get an apraisel which would almost eliminate any cost savings to me. Even though it is not clearly stated that that would be required in the original loan documents. Seems a though the whole system is rigged in there favor to unfairly profit off of responsible home owners like myself

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 2016-10-11
Company: WELLS FARGO & COMPANY
State: ID
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I went to Wells Fargo here in XXXX, Idaho and discovered that {$300.00} was missing. I did n't get a good reason.

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 2015-08-01
Company: AmeriHome Mortgage Company, LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan Servicer failed to pay my taxes. I corrected this issue by sending a check to the city. Loan servicer has failed to send me a check for the taxes despite saying they will. They now will no respond to emails requesting the check. I would like them sanctioned for their mistake and if any statute allows for it, to further sanction them for failing to respond to request from borrowers. amerihome is the loan servicer who failed XXXX of the most basic requirements of loan servicers, which is to ensure the taxes get paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 'd been paying extra on my loan for years and the way my loan was set up it pushed my next payment due date into the future. So in 2010 ( around the time Wells Fargo purchased my loan from another lender ) my next payment was n't due until this year. So I stopped making payments. 

Many times over the years I logged into the online account to check my balance due and see what I owed since I thought interest may be accumulating. I looked at XXXX different account summary pages as well as downloading pdf copies of my monthly statements. Not XXXX of them listed any accumulated interest. They all said my account balance was {$4000.00}, the same as it 's been since XX/XX/XXXX. I figured since my next payment was n't due until XX/XX/XXXX they must not be charging me interest until then either. So a few months ago I started making payments and just noticed that despite me paying several hundred dollars my account balance was the same. I came to find out I 'd accrued about {$800.00} in interest that was only detailed by going to a XXXX Account Details page via a link on the normal Account details page, that was under an Account summary page. I complained that the Monthly Statements and the account details pages that I 'd been looking at for years did n't detail list the interest, it was only found by navigating through XXXX other pages that said I only owed {$4000.00}. They basically said tough luck, " Your student loan accrues interest daily at a rate of 4.25 % which is variable. Your variable interest rate may change monthly, however youare billed for interest each month based on the principal balance. '' - They say I was billed each month for interest, but the monthly statements did not reflect that in an increase in my total due, or an line that listed the interest owed, or in any other way. 

I feel this is a very dishonest business practice. They knew my next payment was years away and hid the interest they were charging me on a sub-subpage of their website while issuing monthly statements that said what I owed them was unchanged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My elderly mother and I went to a Wells Fargo Branch in XXXX XXXX, XXXX where my mom has an checking account. My mom asked to add me onto her checking account so that I could pay her bills while she is receiving medical care. The gentleman asked name, address, ssn, date of birth and place of employment? I answered all questions thinking this was for adding me to the account even though I was puzzelled by employment question. The rep never said what he was collecting the info for? He returned to inform my mom and I " that my credit would not allow me to be added to her account! '' My mom was very upset over the news. I asked the rep " did you run a credit report '' inwhich he replied " no I did n't ''. A week later I received a note from XXXX that Wells Fargo had run a credit request! Should n't I have needed to sign an consent to release my credit report to Wells Fargo and should n't the rep have only released that information to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My checkng account with navy federal was deactivated because I defaulted on a credit card product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Complaint against Wells Fargo Dealer Services, will not give payout on car loan, filed on my credit report repo on my car and deleqaunt on car loan not so now ca n't even get enough to refinance with another institute, many many phone calls, the rudeness is appalling and down right a personal attack.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had a vehicle loan with Wells Fargo Dealer services and traded vehicle in and they took a ach payment out of my acoount 3 days after they received my payoff check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HI. I have written you prior to this. Wells, Fargo mortgage sent out a letter that they are investigating my complaint and we would both have an answer by XXXX XXXX, 2015. I still have not heard from the bank. They were suppose to be reviewing a loan modification for us. 
Our home is still under sheriff sale for XXXX/XXXX/2015 ( it is not suppose to be under a sheriff sale while you are going through a loan modification and should be removed from the list - it is XXXX XXXX sheriff sale number XXXX for XXXX/XXXX/15. In addition, I submitted all the paperwork on XXXX XXXX to do the loan modification and then got a letter back from Wells, Fargo that to much time had lapsed right after I sent in the paperwork!!! They also had an appraisal done and the home is not under water. 
I sent you a letter with all the information on XXXX XXXX, 2015 as well and another complaint afterwards to let you know about the " to much time has lapsed ''. Please help. We live on a farm and have horses, etc. I ca n't sleep at night and do n't know what is happening. 
Thank you.

Company public response: Company 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: MN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am going thru a divorce and my estranged husband is supposed to make the house payments until I take over XXXX XXXX, per our agreement. He is not making the payments on time, therefore, creating several dollars in late fees. I am receiving phone calls every day, every two hours, several times on weekends. I have explained the situation, going thru divorce so on and so forth. This is very stressful for me and it has got to stop! I understand the payments need to be made, but per the order he is to pay the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
All three credit bureaus : XXXX, XXXX and Transunion can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records indicates my revolving credit has been established for 14 yrs, 10 months. This was NOT reflected on my credit bureau until I disputed I negative rating from XXXX, which was removed. Nearly immediately all credit bureaus this New Negative factor as stated above, arose and not one of these bureaus cares or can explain. Some have said perhaps it will clear up in a week, a month, they blamed algorithm 's ... ..etc! This is not satisfactory and the longer they all go not correcting this, the more my credit score suffers while I strive to improve 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 2019-05-28
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear, Im XXXX old XXXX XXXX  civilian and credit card holder from Pentagon credit union since XX/XX/XXXX, after the merger the guidelines and term of disputes changed from 3 Busniss days to 30 days to assign someone to dispute and issue provisional credit and NOT deduct interest on the disputed amount and email affidavit for signing when I signed terms with Pentagon credit union in three business days and they must disclosed any changes and follow the grandfather clause. 
I filled dispute on XX/XX/XXXX, foot massage I just got letter that the dispute resolved in my favorite last weeks, 18 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 explanation
Consumer complaint received 2016-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is not XXXX. 
I never lived at XXXX, NY 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 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I called Transunion and XXXX because I 've been a victim of fraud. I have several inquiries on my reports, that I did not authorize. They were very rude on he phone. I was told that they could not remove them. Transunion gave me the run around. I 'm trying to keep my credit score from dropping and it seems as if they do n't care.

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 2015-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion reports that my account balance increased by {$11000.00} due to a student loan with XXXX. I have always had that loan, so it should not have been reported as a new debt. They knocked my credit score down by XXXX points. They should have not done that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, I just noticed on my credit report about a tax lien. I never had a tax lien. My ex-husband did not pay his taxes. I have proof from the IRS that I did not have a tax lien. I want this information removed from my credit report as soon as possible. 
Thank you

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 2016-01-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2015 my wife and I applied for a 30 year fixed home mortgage with Wells Fargo. On XX/XX/XXXX the rate was locked for 90 days at 4.00 % interest rate. The loan was approved on XXXX XXXX, 2015. In order for us not to pay mortgage tax a XXXX form had to be executed, and Wells Fargo started the process to obtain the XXXX. This document took longer than anticipated to produce and on XXXX XXXX, 2015 Wells Fargo added a Rate Lock Extension fee of {$1200.00} to the loan. The XXXX was still not forthcoming and on XXXX XXXX, 2015 Wells Fargo added another {$2500.00} to the loan. I contacted Wells Fargo about the extension fees, and additionally brought to their attention that mortgage rates had dropped to approx 3.6 % while they were charging me {$3700.00} to extend the rate. I started the process to look into refinancing with our present lender XXXX and brought this to the attention of Wells Fargo. Wells Fargo agreed to reduce the rate by 1/8 to 3.875 % and told me that XXXX would not approve my loan, and that I needed to close the loan with them. I was taken aback by this brash behavior, essentially strong arming me to close on a loan with at a rate that was at least .25 % higher than what I had been quoted. Since I was still undecided to accept these terms or not, Wells Fargo offered to forgo the rate lock fees, but demanded that I close the loan in a matter of days. 

I felt that I was being pushed to make a bad decision in haste. Within a few days Wells Fargo cancelled the loan. On XX/XX/XXXX Wells Fargo sent me notice that the loan was denied due to " Insufficient Assets to Close the Loan ''. I communicated with Wells Fargo and requested XXXX explanations from them : 1. To quantify the shortfall of assets to close the loan 2. The source that provided this information to Wells Fargo. 

Wells Fargo has refused to answer these questions based on " ... the guidelines established by the Consumer Financial Protection Bureau ( CFPB ) do not require us to perform further research .... ''

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 2016-07-30
Company: ERC
State: PR
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:
I 've been a XXXX customer for many years, I added a new phone account for my cousin. She purchased the phone plus a new number under my account. I recieved on my credit report that I owe {$110.00} and was sent to collections. I contacted XXXX, they said I 'm up to date on my payments. That I should contact the collection agency and dispute it immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a modified home loan with Wells Fargo and have a lot of equity in my home. I tried to refinance and use the equity to include about XXXX in other debt thus reducing my payments and interest but W F said no without even considering my case. I went to XXXX XXXX XXXX XXXX who holds some of the XXXX and they said sure they could refinance all of it but after seeing my income they said no. I am the sole income due to my wife 's chronic health issues and we have never been late or missed a payment in 12 years. I built the house myself to save money, but the bank would rather see me lose the home than give me any break on interest since they own most of the different loans I hold and they are raking in the easy money from my hard work.

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