BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX, GA XXXXOn XXXX XXXX, 2015, Wells Fargo sold my house through a foreclosure. Prior to the sale, I have sent to XXXX XXXX, my contact person all requested documents for the modification. Around XXXX XXXX, 2015 XXXX XXXX called me to request a new document that I have to download from the website. Because of confusion and type of document, I called XXXX XXXX to help me identify the new document.on XXXX XXXX, 2015. This document was completed and later sent to Wells Fargo prior to the sale date. Today, XXXX XXXX, 2015, XXXX XXXX mentioned that XXXX XXXX had requested of me proof of residence in that phone conversation. This is new to me and this information was never talked and mentioned in the conversation. This is another manipulation of facts or misrepresentation by the employee ( s ) of the company. At no point that she mentioned proof of occupancy.in the conversation. Today XXXX XXXX said that she wrote that statement in the side note. I was not aware of that until today. In addition, there is no over site. Wells Fargo can foreclose properties without facing any consequences. The company received TaxPayers money to conduct his business with the promise to provide loan products to minorities. So far, this promise has not been fulfill. I have requested Wells Fargo to rescind the sale of XXXX XXXX,2015. I have not heard anything yet,, The negligence for the review of HUD rules showed how powerful this institution can be. Therefore, they intentionally discriminate against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
As a background summary, I had an issue with fraudulent charges on my account and getting the matter resolved in a timely, effective manner. Due to my complete disgust with Wells Fargo 's handling of the matter, when it was finally resolved ( on or around XXXX XXXX, 2016 ), I demanded that my account be closed. I was told that it was and I confirmed this by logging onto the institution 's website approximately 3 days later and confirming that the account was removed. 
On Thursday, XXXX XXXX, 2016, I received an e-mail that my Wells Fargo statement was available for viewing. While the balance was {$0.00}, someone re-opened my account. I believe this is related to the checking account scandal. I do not know if this type of activity ( closing and then re-opening accounts ) was included in your investigation. If it was not, it should be. 
I have notified Wells Fargo of ( a ) the re-opening of my account and ( b ) my filing a complaint.

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 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX my checking account at Bank Of America was closed due to XXXX checks that were cashed against my account by me in the same day. I cashed those checks for a friend that was in need of a favor. When i was notified the checks bounced in full surprise i paid back the bank the next day in full. I paid it back so fast the bank did not get a chance to even close the account yet. My friend did not realize that his mother 's account that he had permission to write checks off of winded up closing the night before. Please help me i am now XXXX and i am trying to start my life and i ca n't due to this minor setback as a XXXX just trying to help out a friend in a positive manner. I tried contacting Bank of America XXXX times and received the same response each time " there is nothing we can do other then tell you to file a dispute ''. I wrote a letter to them pleading my case and XXXX days later i got a response saying they were not going to remove the negative information from early warning services and with basically no reason why. Please help me I do n't know what else to do I have tried everything in my power, I need your help!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XX/XX/2017 I sent money to XXXX using money gram. However when my receiver went to pick up the money to XXXX they were not able to give it to him due a expired IDI so he call me back and said he submitted his renewal idi but he will get it in XX/XX/XXXX way to long so next day I called money gram and since that day I am still calling them every day 3 times at day and every time I have to explain them the same situation some of them had told me I am receiving less then what I 've sent so but at the end always they have been telling me the refund is pending, call back in 45 minutes. Or 48 hours or next day or tomorrow or let me transfer you. Then they hang up or said the same thing. I am afraid they end up not giving me my money back neither my receiver in XXXX. Please help me in this matter because I am getting upset about this situation and there is no one in moneygram staff that has been able to help me and give me my money back is been a week already. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I asked for a deferment as I am the sole provider for XXXX children and only have a XXXX job. I work 32 hours a week and make XXXX per hour. I ca n't afford my student loans right now and they denied it but the other student loan company that I have student loans from approved my deferment. I do n't understand why. I went to the XXXX when I incurred these loans and I do not use the skills that I obtained there. I went after a XXXX degree in accounting and use those skills now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XX/XX/2023 I disputed a charge on my bank account from XXXX because I ordered an XXXX XXXX and never received it. I called XXXX and told them I didnt receive the package. I had just gotten home from grocery shopping for my daughters birthday and I was suppose to get a package from apple through ups but when I got home it wasnt there so I called and reported it and was told they would investigate it. Later that day I was told there was nothing they could do about it so I called 911 to make an incident report and I was directed to the online and made a police report about the incident. And XXXX refused to refund me even though I spent about XXXX $ and didnt get the product so after trying everything I could I did a chargeback with my bank. And they gave the temporary credit for a day and then a day later reversed it. It just doesnt make sense why I would have to pay for some product I never received in the first place? I dont know what to do anymore but if this doesnt get solved then I need to reach out to the OCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX of XXXX, I took out a 12 month interest free loan from Wells Fargo to purchase furniture. I immediately set up automatic payments to pay about {$500.00} per month on the loan. Then in early XXXX, XXXX I called Wells Fargo to get an accurate pay-off amount to avoid over or under paying the loan. The representative told me the interest free period ends in XXXX and to contact Wells Fargo at that time to pay off the loan. I contacted Wells Fargo on XXXX XXXX to get the pay off balance. They told me the interest free period expired on XXXX XXXX and that I owed the full {$4000.00} in interest accrued for the entire year ( 27.99 % interest rate!! ). I explained that I called in XXXX and wanted to pay it off then and was told to wait. I told them to listen to the recorded phone call. They ignored me and then offered to take off {$2000.00} of interest only if I paid immediately. I declined and the representative said it would go into dispute and threatened that interest would still be charged up to 60 days more. Based on my phone records, it is obvious my intent was to pay off the loan to avoid interest charges. I have a high credit score and have no problems paying off the loan. What are my options?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a phone call from some calling from XXXX XXXX telling me they had a package to be delivered to me at my place of employment, so i asked for the information about who and what it was. They informed me that it was from a lawyers office and they gave me a phone number and a reference number. I called the number and was told it was from Wachovia and that i owed a debt from XXXX on an over drafted bank account. I have no knowledge of this account. I went to the bank and also called their XXXX number looking for information. They said they had no information on me. I then asked the lawyer who called for info and was told she could not release it to me. She did give me a supposed number for Wells Fargo XXXX ( XXXX ) which only said they sold off my account and had no other information. They gave me a number to who they sold it to, I called and was told it was sold off again and then again. Called back the lawyer and they just got upset and said they will see me in court. They said i have until XXXX XXXX, XXXX to pay the settlement amount or i will go to court and pay thousands of dollars. Now i am freaking out because i am unsure of what this is and i do not recall ever having a Wachovia account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I initiated a refinace of my home in mid XXXX, I was given a virbal quote of {$2800.00}. When I got the Good Faith Estimate it had a figure of {$7400.00}, which I questioned. I said if it was that expensive I was n't interested in the process. They explaine that it was a high estimate and it would be less when the current loans escro was returned. The process went through but not with out issues. The XXXX question I kept posing to the loan officer was what would happen to the escro on the old loan. They kept telling me it would be returned once the old mortgage was payed off. Well, all is complete but I found out yesterday XXXX/XXXX/15 that the escro was not going to be returned to me. The escro, along with my last mortgage payment on this loan was used to pay off the fees and the costs of paying off the old loan. Out of {$2900.00}, I was only getting back {$670.00}. I was never told about this, never saw it in the Good Faith Estimate, or the Hud Statement or never had this told to me and never recieved any written information with a detailed break down of these charges. At this point I still am unsure how this happened. I have called the bank, the XXXX XXXX people I talked to were very XXXX with me and acted like the bank did n't need to tell me any thing. The XXXX person listened to my complaint, told me she would call me back the next day but I have heard from her. The final cost to refinace my house is at {$8500.00}. One hundred dollars above the original Good Faith Estimate. They do n't seem to want to talk to me. XXXX final though, the bank told me that both the bank and the title company requested clearance to use the escro of the first loan to pay off fees and expensis for that loan. So they also could have mentioned something but did n't even though I questioned them at the closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion XXXX has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXXX Balance {$0.00}

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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We have never been past due on a payment, Nissan Infiniti has an inaccurate remark appearing on my credit file. I have disputed with nothing being corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Here 's a timeline of the events on the day I initiated the wire. 
MONDAY XXXX XXXX, wire sequence # XXXX was entered at XXXX XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX Montana XXXX XXXX XXXX 
XXXX, I called XXXX and asked for the wire to be stopped. She said she was just reading an email from the wire room and they had a couple questions regarding the trust account. So they held the wire and didnt even release it until about five minutes ago. She said, It shouldnt be a problem because it was only sent out five minutes ago. I said, Should they have even sent the wire since the questions werent answered? Then ( now ), I answered the questions while on this call to XXXX. We hung up and she filled out an official retraction form. 

XXXX the wire was released according to XXXX. This was after my phone conversation with XXXX? 

XXXX the wire was recalled according to XXXX. Why did it take so long for the recall? Why didn't XXXX immediately call the wire room to stop the wire. The funds were actually released AFTER my phone conversation with XXXX. 

XXXX WF ( Wells Fargo ) automated acknowledgement of the wire recall request inquiry. 
( ( ( WHAT HAPPENED at Wells Fargo BETWEEN XXXX AND XXXX? ) ) ) XXXX XXXX sent a debit notice of a large expense. {$45000.00} XXXX, my account still showed pending regarding the wire. 

I have tried several times to get specific time stamp details from Wells Fargo and they always say no due to me not being the account holder. I simply want to know if Wells Fargo actually recalled/stopped the wire in a timely fashion? And I want to know when the money was actually withdrawn from the Wells Fargo account? I know wires are immediately available and I am the victim of this scammer, HOWEVER, I tried my hardest to put a halt to this scam in a very timely fashion. It took XXXX XXXXXXXX XXXX seventeen minutes to recall the wire. Is that normal in the banking industry? How long did it take WF? 

TUESDAY XXXX XXXX, my account still showed pending regarding the wire. 

XXXX, XXXX minute call to XXXX for Wells Fargo at XXXX XXXX XXXX XXXX XXXX XXXX TX and spoke to XXXX XXXX She tried to dismiss my concern/requests by telling me to get in touch with my banks fraud department. I proceeded to plead some more and told her the amount of {$45000.00} and that I felt it was a CRUCIAL time right now because of time zone differences. Texas banks were open, Montana banks are closed for another hour. Trying to explain that my account still shows pending right now and this is fraud and to not let the wire go through! 
She finally asked for the account number XXXX and put me on hold and shell talk to their escalations department. Came back and gave me XXXX information and told me to contact my bank. 

And that's how WF has been throughout all my attempts.

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 2015-10-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
My brothers and I have CD 's left by our father that were purchased from Wachovia in XXXX Georgia back in 2007. When he pasted away a few months ago, we went to Wells Fargo XXXX knowing Wachovia was bought by Wells Fargo XXXX to collect on the CD 's, they said there was no records of the XXXX accounts. Wells Fargo told me that CD accounts should have transferred over to their system, but my father 'might ' have cashed out the CDs a few years ago, and that 's why it 's not in their system now. 

We 've asked Wells Fargo to please provide us with some sort of record that the CDs were cashed out, but they are not able to provide us with anything, saying again they show no records of the CD accounts. 

My brothers and I still have the documents for the CDs, with account numbers and purchase date from Wachovia, but we are wanting to know how do we find out if the CDs were REALLY cashed out, or if accounts just went to another bank when Wachovia was bought out. Please let us know if the account number, or copy of the CD documents are needed. 

Any information will be much appreciated. 
Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-12-31
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
in addition to these XXXX complaints I`ve already sent you : 1. # XXXX ; # 2. # XXXX i went into a branch wells fargo branch in XXXX, al the teller`s name was XXXX, she dined me access to her card. she told me that i could not withdraw my remaining balance @ wells fargo in the amount of {$430.00}. this bank is illegally holding my money/funds from me, when i have had no access to swipe thier bank card for over 5 days now! they are illegally holding my funds from me! they also told me they were going to close my bank account & keep my money! thieves!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: LoanCare, LLC
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought my house with XXXX ( XX/XX/XXXX ) who sold the loan to XXXX. XXXX added {$7000.00} to escrow ( XX/XX/XXXX ) with the excuse of taxes. In the midst of adding this fee and raising my FHA loan payment, they sold to LoanCare on XX/XX/XXXX. I never signed a paper or got any documents besides a new address for payments. I started paying LoanCare my original house payment. LoanCare has not credited payments to the account and has put me in default. I received some of these money orders back through mail. They are mutilated and have filed a refund investigation with the US Postal Service. All the while, these people never pick up the phone and I have never received any other communication rather than a bill. Why pay by mail? They charge {$19.00} to pay online and {$15.00} if you do by phone. I never asked to be transferred to this company. They have my address all wrong and I do n't always get my mail. Sometimes they do send it right, some other times they miss the street number and house number. Thus this has resulted in receiving old mail from them three months later. I have paid my mortgage and they refuse to receive my payments. The whole thing is a nightmare. They even want to impose their insurance policy which is XXXX times higher than my insurance policy. I had to provide paperwork three times before they stopped sending me letters. As of right now, all I want is for them to accept my payments, clear their mess and end this mental angst. I worked so hard to put a roof under my children and these people have turned our dream into a nightmare. These kind of companies, like LoanCare and XXXX, need to end their fraudulent practices. Inventing taxes out of nowhere, charging excessively and damaging people 's credit.

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 2016-07-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
My wife and I had an American Express Credit Card as members of XXXX. XXXX ended their relationship with American Express on XXXX XXXX, 2016. We were issued a substitute membership card from XXXX as of XXXX XXXX, 2016. 

Our last Statement from American Express enclosed a draft for {$78.00} ( and change ) as our rebate rewards for our purchases with the Amex XXXX card. We lost that draft. 

We went to our local XXXX store and asked them to re-issue our rewards draft. XXXX told us that they could not -- only American Express can re-issue the draft. 

I telephoned American Express at their customer service telephone number on their Amex card. I got a recording stating that the credit card was closed. Repeated telephone calls all failed. HOW DO WE GET OUR REBATE?

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