BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wellsfargo is asking me to send sensitive documents over email. It is SSN card, nationality verification. 

I would like to request an audit from Wells fargo on how it requests information from its consumers. I have the evidence on how it communicated with me. It is giving a way for its consumers to leak their information through email unsecurely. Innocent citizens may not know the issues with regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

SSN : : XXXX DOB : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested XXXX statements for XXXX separate loans for the years XXXX and XXXX from Wells Fargo in writing on XXXX XXXX, XXXX. Since that time, I have received letters stating that I have no XXXX for those time periods. I know this to be false because I actually have XXXX XXXX for XXXX. They also told me it would take until XXXX XXXX, XXXX to complete my request. That date was later revised to XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. This delay is causing me great harm in that it is preventing me from completing my loan modification request since I can not complete my taxes. Likewise, I am receiving notices from the IRS claiming that you have reported this income to them and that I owe $ XXXX to which I am unable to respond due to the bank 's failure to respond to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A lawyer XXXX XXXX keeps filling civil suits for a debt that was paid over ten years ago. He recently filed a civil law suit on XXXX XXXX, 2016 to harass me for 12 more years. His behavior is not reasonable and neither is the judge who issued the order. I am a student.

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 2016-10-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Credit determination

Complaint:
The idiots at Wells Fargo do n't know the definition of " XXXX '' and their so called " Senior Correspondence Specialist '' XXXX XXXX does not know how to address an issue that I raised in my previous complaint. Case number : XXXX All I am asking these XXXX is to send me their definition of a " XXXX '' and they seem to be not able to do that. They ask me to prove that I am a XXXX when they have no understanding of who a XXXX is. And their so called response fails to address that at all. 

I am at a loss of words as to describe the level of stupidity I have encountered. Their response to a CFPB complaint is to repeat the same old stupidity without bothering to read the complaint and try to understand the issue at hand. 

These XXXX belong in a XXXX and not in charge of a bank. I will keep raising complaints till someone with at XXXX gets to take a look at it. Please keep these complaints on their record for others to see as well. 

thanks

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 2023-05-31
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: Information belongs to someone else

Complaint:
I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I work on straight commission. At the beginning of 2015 I had several months in a row with no income, because sales were down with the economy. My loan was formerly with XXXX and they sold the loan to Wells Fargo. I asked Wells Fargo for assistance being that I was a couple of months behind on my payment and they said they could only help me if I stopped making my mortgage payment. I took their bad advice and missed another payment and after applying multiple times and being told that they never got my application, or they lost my documents, they finally told me the only thing they could give me was a repayment plan. They proceeded to raise my payment from {$1200.00} a month to over {$1600.00} a month. I asked them how this was suppose to help me and if I was having a hard time paying {$1200.00} how they could justify asking me to pay more. I asked them how this is suppose to ease my hardship. They told me I had no other choice unless I wanted to short sell the house or do a deed in lieu. I explained that I wanted to keep my house, not give it away. Reluctantly, I had to borrow money from my retirement just to make the first payment and then predictably, I could not afford any of the payments after that. I was so worried about Wells Fargo trying to foreclose that I hired a law firm to try to reason with them. I am in a real hardship. I could not have anticipated that my job would slow down so much. My mortgage is 34.51 % of my income, so I meet the federal criteria. From what I 've been told the Obama administration has said any interest rate above 6 % is considered a predatory loan. I am at a ridiculous 9 %. It was at 9.5 % when they gave me a modification 2 years ago, so the bank did not really help me last time. I am not asking for charity. I am just asking for a decent interest rate that is not double the national average and to be able to keep my home. Please investigate my file with Wells Fargo and you will see I have provided every document and meet all the Federal criteria. From what I understand Wells Fargo was fined a lot of money by the Dept of Justice already, but it must not have been enough to act as a deterrent because they are still targeting minorities like me who they believe are not educated enough to fight for their homes. Please, whoever is reading this, help me save my home. I am a good person who has just fallen on hard times. I believe this is why these programs were created, but Wells Fargo has done nothing but thwart my efforts every step of the way. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : WELLS FARGO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo has, on multiple occasions, debited my business checking and business savings account {$3.00} for viewing an image of a deposited check online. This is a feature on their website that is offered without any mention of a fee being incurred when you click on the link to view the image. I can look at check images for free in my personal checking account, but not on the business account. 

This strikes me as a penny ante way for Wells Fargo to dip into their customers accounts without expressed permission, at a low enough fee that it will go unnoticed by most. But today it got worse. I found the charge for viewing a check image on my business savings account. I have n't deposited a check into my savings account in over 6 months ( I typically make all deposit into checking, then transfer funds to savings ). It 's not even a possibility that I would have viewed a check image in my savings account last month, but they withdrew a fee from it anyway. 

I think its a sad state of affairs when a bank tricks its clients into incurring fees online without any sort of warning. I find it ridiculous that I should have to comb through my statement each month to see if my own bank dinged me with a ridiculous penny ante scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX/XXXX/17 This is a follow-up to my complaint Case number : XXXX. 
I went to my local Wells Fargo branch to make my monthly payment. The coupon states that I owe {$0.00}. Because I have been told that I ACCRUE interest to have NEGATIVE interest owing if I do not pay, I wanted to pay the interest & make a principal payment. I was unable to complete the transaction because they have no means for me to do this. In fact, although the bank official was helpful, she was unable to tell me why my last two payment, both of which I wrote ON MY CHECK AND ON MY COUPON that I was making the amount of the interest payment AND the remainder to principal, both were credited to interest. She showed me on her computer that both were credited to interest even though I called Wells Fargo and asked that the over payment go to principal and both persons I spoke to assured me that they would credit the overage to a principal payment. They simply did not do it. Now if I do not make a payment today for interest that they say I do not owe, they will say that I owe back interest. If I make a solely principal payment, they will still say that I owe back interest. Please 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 explanation
Consumer complaint received 2017-02-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Unfavorable response from my Mortgage Lender ; reported late payments on my credit report while on a temporary mortgage plan for three months due to layoff from a job. I was reported late five ( 5 ) times XXXX90 days late, XXXX60 days late and XXXX30 days late. 
Wells Fargo indicated that their assistance mainly was for me to avoid foreclosure on my house. But for me was seeking temporary assistance while I was on a job search.

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 2019-05-10
Company: NCC Business Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 and XX/XX/2018 I received a letter from NCC Business Services INC. I requested validation of alleged debt. I did not receive the requested items but instead a bill was sent, with documentation of XXXX work done. On XX/XX/2018 was my last request validation to no response from the company. As of today 's date, I haven't received any correspondence since my last request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: ERC
State: TX
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:
On XXXX/XXXX/15 I requested validation of debt from Enhanced ; no response ; On XXXX/XXXX/15 requested account be removed due to violation of debt collection and reporting practices ; received response. They provided a statement from XXXX showing a past due balance. This does not confirm original date of delinquency, nor that I am the XXXX XXXX that had an account with XXXX. Furthermore, they state that they have informed credit bureaus of account being in dispute and put it back on the credit bureaus ; stating they have no control over how long it may take credit bureaus to update. Nonetheless, I pulled my credit report today, there is no indication of account being disputed.

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 2015-07-22
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX 2015 I paid a bill of a shortage extra XXXX The mtg bill was XXXX for a long time so I always pay on time always well the next month with out realizing it the mtg bill went up to XXXX but I had paid the same. Well XXXX is what his name I think he said was calling every night screaming at me. I explain that I paid the shortage not understanding it went up XXXX XXXX. Which I did send and not without a late fee and keep in mind there was never no notice of a increase. I feel abused I have always paid on time and I do n't feel I deserved to be treated this way and I want to make a formal complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citizens Bank XXXX XXXX, RI sent me, by US mail, an offer to receive {$200.00} by opening an account and meeting stated requirements. The requirements were : open the account by XXXX XXXX, 2015, make a deposit each month XXXX of which would be a minimum of {$500.00} and the {$200.00} would show on the account after XXXX XXXX. I went to the Citizens Bank at XXXX XXXX XXXX, XXXX, NH on XXXX XXXX, 2015, discussed the offer with Branch Manager XXXX XXXX, opened the account, fulfilled all requirements and now have not received the money. I have talked with Supervisor XXXX XXXX and Bank Officer XXXX XXXX, Sr Advocate. She said she would see to it. The money is not in my account and she has not called me back. I have all the paperwork and pertinent notes and want Citizens to pay as promised NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I started a Payday loan with XXXX that was then switched to BigPictureLoans.com. The loans was initiated on XXXX XXXX, 2016 and the funds were receveid on XXXX XXXX, 2016. The loans was for {$1000.00} and I expected to pay a Finance Charge of {$350.00} which would be paid back in 3 Payments of {$350.00} and 1 payment of {$300.00}. The repayments were schduled to begin on XX/XX/2016 and continue every two weeks. When the fourth payment was pulled on XXXX XXXX for another {$350.00} and not {$300.00}, I contacted the lender who then informed me the loan was actually at an 887.9671 % APR with a total finance charge of {$8900.00}. I told them I had only agreed to a total finance charge of {$350.00}. I also let them know I had checked with the Maryland Commissioner of Financial Regulation and the Small Loan Rate Cap for MD is 2.75 % per month or 33 % per year basically making their loan illegal. I then requested the return the extra {$50.00} that was pulled on the last payment and requested they show the loan as Paid In Full. I then let them know they had 48 hours to meet my request or I would go to the Commissioner. I also let them know, no other ACH withdrawals would be allowed from the account to pay for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Big Picture Loans, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out an installment loan with at the time the company was named castlepayday.com / Red Rock Tribal Red Rock Tribal Lending, LLC d/b/a CastlePayday.com Customer Support support @ CastlePayDay.com XXXX for XXXX $ XX/XX/XXXX. I was unable to pay the first payment and then future payments ceased to go through my account with out a word from them. After a year passes I get a call from a mediator to collect XXXX $ and I attempt to pay the debt with them but they refuse to send me documentation first and say that the company has changed name to big picture loans, I attempted to call them today XXXX XXXX to dispute the matter and they refused to work with me. THis is a predatory lender that never disclosed extra finance charges nor attempted any communication with me to fix the matter. They however took it upon themselves to increase my due payment more than XXXX $ extra dollars. Please help me with this matter and investigate their malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: CJA Auto Sales, Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Arizona Statute of limitations on this auto loan debt is met on XX/XX/XXXX, First delinquent date was XX/XX/XXXX, this a JOINT account NOT the primary holder. The original creditor and debt collector CJA Finance inc reporting the same account on XXXX  & XXXX XXXX reporting to XXXX  & XXXX  which is a clear violation. 

This dispute also being sent to all three major credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a business account with Citizen 's Bank on XXXX and XXXX XXXX XXXX in XXXX, DE whom I have been banking with for over eight years. Someone stole one of my business checks which they forged for {$5200.00} along with my signature. 
This incident happened in XXXX of 2016 which I have been disputing since then. I have spoke with several different managers and I filed a complaint with BBB. Never once did the bank offer any kind of assistance in this matter. 
The bank 's position was the check was not secured and they will not reimburse me for the money which they allowed to be drawn from my account. I am not happy with their decision, couple with the reasons that the bank has given for not reimbursing me are conflicting in the correspondence that I received. I see this issue as unethical to charge me for something that they should have safe guarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have an escrow account with Wells Fargo Home Mortgage. The loan was originated in XXXX, XXXX. I received a notice from XXXX XXXX XXXX XXXX that I owe interim school taxes for XXXX school year. In researching the amount of taxes that have been paid out of my escrow account I found out that Wells Fargo has withdrawn in excess of $ XXXX. The school taxes should have been closer to $ XXXX for the entire period that I have been in the house. I contacted XXXX XXXX XXXX to find out what has been paid on our behalf and found out that they have records of only cashing {$16000.00} in checks from Wells Fargo. 

I was told that I need to find out from Wells Fargo the copies and amounts of the checks that were sent to XXXX XXXX XXXX to pay for my school taxes. In reaching out to Wells Fargo they have repeatedly said that they were " investigating '' the funds being removed from my account, but I have yet to receive any form of response from them as to the disposition of my account. I have been trying to get the XXXX issue resolved for over a year ( originally brought to Wells Fargo 's attention in XXXX ) and have been actively engaged in attempting to resolve the escrow discrepancy since XXXX/XXXX/XXXX. 

I expect to receive a full refund of any amounts that were removed from my account and not used to pay school taxes, as well as any accrued interest on those funds from the date that they were pulled out of my account.

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 2015-11-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I had an SBA loan with Wells Fargo that has been discharged. They prompted the bankruptcy and have been notified by the court, my attorney and me. In XX/XX/XXXX I sent a letter again asking for the statements to cease along with a copy of the discharge. I continue to receive statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation