BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/XXXX my checking account and linked savings was loved by Wells Fargo. My account number was XXXX I was told my account was closed by loss prevention because of fraudulent activity on an account in XXXX. The account in question from XXXX, was reported by myself to Wells Fargo fraud department/phone number. My previous account had checks missing, so I reported this immediately. However despite funds being deposited in the account, a previous drawn check, had been deposited the day prior to myself contacting Wells Fargo about the missing checks that had been taken by a former housemate, as I was then in the process of moving. This freeze on the accounts funds, caused the check written and deposited in to a account at a different financial institution to be returned. This was an account at XXXX Bank XXXX # XXXX Acct XXXX, which was reported on XXXX describing exactly what I have stated for the reason I am presently describing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2016-09-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Sale of account

Complaint:
XXXX XXXX sold Citgo gas cards to Synchrony Bank and did not forward the payments received. I have had my bank forward proof of payment several times and have spoken to XXXX and SYNCHRONY BANK but it is still not resolved! I have been charged late payments and interest. 
From XXXX BILL PAY. 
XXXX/XXXX/16 {$40.00} XXXX/XXXX/16 Delivered Electronic Payment XXXX/XXXX/16 {$27.00} XXXX/XXXX/16 Delivered " " XXXX/XXXX/16 {$55.00} XXXX/XXXX/16 Delivered Electronic 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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just realized that there are two accounts on my credit report that I never opened. The accounts are from XXXX & XXXX XXXX XXXX. The only reason why I was even looking at my credit report is because I applied for an apartment and I saw these accounts in the negative accounts section. I don't know who these accounts belong to or why they're appearing on my credit but I did not benefit anything from them such as money or goods and I never made any payments towards these accounts. I have never opened any account with either of those companies and I am not affiliated with them in any way. I have also filed a police report in hopes of getting this resolved by the time I have to move. I have filed this report to the best of my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/20, I received an email from by credit card company notifying me that my credit score had dropped. This prompted me to check my credit report to see 2 collection accounts on my credit file from Choice Recovery , Inc. ( collection agency ) each for {$35.00} with XXXX XXXX XXXX. I had never heard of Choice Recovery , Inc. until XX/XX/20. I called XXXX XXXX XXXX and they confirmed they had made an error and the account had a XXXX balance. 

Choice Recovery , Inc. has 2 collection accounts on my credit file and did not validate the debt or give me opportunity to dispute the debt. The false reporting remains on my credit report. Choice Recovery, Inc. needs to be held responsible for making false reporting to the credit bureau 's and causing damage to people 's lives. 

thank you for your role in helping with this situation and putting Choice Recovery , Inc. on notice for their actions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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 just realized that there are two accounts on my credit report that I never opened. The accounts are from XXXX & XXXX XXXX XXXX. The only reason why I was even looking at my credit report is because I applied for an apartment and I saw these accounts in the negative accounts section. I don't know who these accounts belong to or why they're appearing on my credit but I did not benefit anything from them such as money or goods and I never made any payments towards these accounts. I have never opened any account with either of those companies and I am not affiliated with them in any way. I have also filed a police report in hopes of getting this resolved by the time I have to move. I have filed this report to the best of my knowledge.

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 2017-01-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have reached out to Wells Fargo many times to try to reduce my monthly payment for my private student loans. They have reviewed my finances two times in the past two years and determined based on my gross income that I can afford the monthly payment. They do not even take into account the other student loans I have or my monthly living expenses. One time I was told that I should get my co-signer to pay if I ca n't pay. When I told the customer service representative that my co-signer could not pay, then he apologized and said he could not do anything for me. I asked to speak to his supervisor and he forwarded me on to the supervisor, who told me the exact same thing. One representative asked me if I could borrow money from another person to pay my loan payment. I called multiple times prior to falling behind on my loan payments, and they refused to work with me to reduce my payments. Every time they mention a deferment, they say that I need to make a payment to bring the loan current. When I tell them that I can not make a payment, they again bring up that my co-signer should be helping me make the payment, and say there is nothing they can do until I make a payment. They have offered to put me on a deferment but I need to make XXXX consecutive payments in order to get on the deferment. When I tell them that I absolutely can not make the payment, they again say that there is nothing they can do for me. They bounce me back and forth between different departments, and when I ask to speak to their supervisors, they will sometimes transfer me to a person or someone 's voicemail, and they will tell me the same thing. They have sent numerous threatening letters and call both myself and my co-signer often daily and say in the letters and phone calls that they have tried to get a hold of me. When I call them, they tell me the same exact thing-either that I will need to make some kind of payment to be put on a deferment, or that I do not qualify for a payment reduction/change in my payment plan. Every time I ask the representative what I should do since I can not make the payment, they say I 'm sorry, there is nothing else I can do for you. I applied for a consolidation loan and they declined me, although they keep suggesting that I apply for the consolidation loan every time I talk to a representative. They refuse to work with me-they offer options and then tell me I either have to make a payment or do not qualify for the options. They have offered no real, viable options to help me afford my monthly payments.

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 2017-01-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I send it to the financial institution that has the mortgage of my house and I send that paper the financial institution told me that my modfica- tion was rejected when the company that was already discussed above told me that my model was already approved so I am writing to you to please help me solve this case.

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 2016-04-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My mother passed away XXXX XXXX, 2016 with a checking account with my XXXX brothers and myself as owners of the account. They have the account frozen and want release funds. they keep agreeing we own the account but gave me instructions to show them a affidavit of heirship which we did. Still want release and now say they want a probate. This not necessary as we are owners of account. I have had my mother 's attorney prepare affidavit at a cost of XXXX which they will not accept. I want the account released to us and refund of this extra legal cost. In texas I know this account should not go through probate. Will was attached to affidavit. They let many checks go through then froze account with no notice and I had sent my mother 's IRS tax payment for XXXX and was returned and now may owe XXXX penalty. They also stopped drafts for electric bills.

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 2016-10-31
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Quick recap of the past year, we have a MTG thru Wells Fargo, I lost my job a year ago and started a new job. Things were slow to start so we got behind on our pmts. We were trying to do a loan modification recently and then hurricane XXXX came XXXX XXXX and hit our home hard. We had between XXXX and XXXX feet of water thru our entire home. We have flood ins, and the adjusters came n did their thing and we 've already received XXXX smaller checks to start fixing our home. I took the checks to Wells Fargo since the check is made out to myself and them. They refused to cash the checks, reason being they want to make sure we spend the money appropriately. We was told they 'd send us a packet ( we still have not received the packet ) we have to fill out and sign the checks over to them. After they approve what we 're doing with the money, they 'll disburse the funds in increments and it 'll take an additional 3-4 weeks before we even get any of the money to get. We was told we could also request an emergency approval for the funds due to our circumstances. On XXXX XXXX, We filed for the release of the funds and was told we 'd have an answer within 3-4 business days. On Fri XXXX XXXX, I called and was told the request had been denied but we could refile, so we did, which was also denied. Now thru this whole process, we ( myself and my fiance that resides with me ) were both calling Wells Fargo daily and numerous times, which entailed being on the phone anywhere from 30 min to 2 hours and conveniently being disconnected by them numerous times and many transfers. At this point, we have a hole in our roof, have no refrigerator, no stove, or hot water tank heats to give us about 5 min of hot water ( just had a plumber here seeing if we changed the element would help and he tried but our tank is ruined from being in the much water and all the stuff that got inside & was informed it will stop working soon ) and to top it all off, on Mon XXXX XXXX, we started visibly seeing mold growing in our kitchen. We are trying to do everything we can to make do until get the money to do things right. We have nowhere to go so we have to stay here. We are both starting to notice symptoms of being exposed to mold ( my fiance has a XXXX ). We have begged and pleaded for any kind of help to get this cashed so we can start to put our house and our lives back together again and Wells Fargo just does n't care and refuses to help us. We have used all of our funds just to continue daily living.

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 2020-06-12
Company: CITIBANK, N.A.
State: WI
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: Investigation took more than 30 days

Complaint:
There were fraudulent inquires done with my identity due to identity theft, XXXX  lied and said they contacted the creditor and that the creditor responded back and said the inquires were accurate but the company is closed so how are they able to respond back to XXXX if this company is completely closed to to covd-19

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 2015-04-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went into a Wells fargo Branch roughly a month ago to discuss the situation regarding the Overdraft Protection fees I continued to get. One month I 'd tallied roughly {$71.00} in overdraft " protection '' fees although the money was in my Savings account and all they did was cover my transactions via that account. I explained that I was no longer interested in the service and the Banker suggested that I open a XXXX checking and savings to remedy the situation. Lo and behold not two days later I was hit yet again with an " protection '' fee because he 'd transferred money to XXXX account and another account and honestly I just wanted to stop using the overdraft service. I would much rather they decline my card and I pay for something using another method than have all these accounts and this " protection '' that is costing me {$12.00} every time I do n't put the money in the right account. It 's frustrating and misleading. If I have the money in XXXX of my accounts, just take it from there. Stop charging me every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have had XXXX public records removed from both my XXXX report and also my XXXX credit report. I reported this to the Equifax company and they refuse to remove the XXXX public records as to follow suit with the other XXXX company 's that removed it do it being taken care of. Please help get it removed so that they all, show the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Well Fargo is our mortgage company and despite our mortgage paymentpaying escrow dollars from our mortgage for insurance, {$710.00} of our escrow dollars where not used for our insurance and in fact the amount was dispersed according to Wells Fargo to taxes and that proved wrong. The Tax Office does not have any payments of {$680.00} and {$27.00} accredited anywhere. Our insurance info was phoned in by our insurance company and ignored, declaration pages for insurance were returned to our insurance agency because the documents went to the wrong XXXX and instead of forwarding to the correct XXXX based on the account number the mortgage server cancelled our insurance. All methods of processing our insurance were ignored or mishandled. I had been with our insurance company for many years and had a preferred rate. As a result of this XXXX our insurance costs have increased. We did secure our own Homeowners Insurance Policy yet due to XXXX the rate was much higher than previous policy. XXXX XXXX XXXX XXXX Forced Placed Insurance charged our mortgage two months in a row for a total of {$4100.00} {$2100.00} on XXXX/XXXX/2013 and {$1900.00} XXXX/XXXX/2013. Both charges were from XXXX XXXX XXXX XXXX. I have a letter from Wells Fargo that indicates the following : The insurance coverage that we ordered on your behalf has been cancelled. 
However, the amount of {$610.00} was returned as HAZ INS REF. The correct amount is {$4100.00} plus {$710.00} for a total of {$4800.00} that was taken from us. 
This increased our mortgage payment XXXX per month which is a hardship. We are on a fixed income with several health issues between us. We are underwater in this house. 
Property values have decreased and taxes remain stable. 
With that I ask for help because insurance should n't cost {$4800.00} PLUS {$1000.00} equalfor a total of {$5800.00} for any household.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
WELLS FARGO BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
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 was awarded the property in a divorce in XXXX. I provided Freedom Mortgage a copy of the divorce decree. They allowed my ex-spouse to change the mailing address, email address and phone number on the account to his information. They increased my escrow and monthly payment without notifying me, as they notified my ex-spouse. I continued to pay the amount I was aware of. They are now reporting two 30-day credit marks on my credit report due to the error. This is unfair as I was not made aware of the change in status of the payment ; therefore, I was not able to make the full payment amount. This would fall under UDAAP as they reported to my credit without proper notification of the increase in the payment amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: MN
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:
My XXXX XXXX XXXX Credit Card # : XXXX is lost/stolen, and all the charges on the account are fraudulent and unauthorized charges/transactions.

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 2017-01-27
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was unable to make the remaining payment to Net Credit, therefore my account was sold by Net Credit to XXXX XXXX XXXX per my credit file. Both are reporting as collection accounts with a balance of {$1700.00}. Since XXXX XXXX XXXX shows the most recent activity, I believe the Net Credit account balance should be {$0.00} and show as a charged off account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have complained of false online transfer numerous times money missing from my account and after 3 plus more weeks they have done nothing

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