BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX XXXX, my wife and I secured a loan with Wells Fargo Dealer Services for a XXXX Scion xD. In XXXX XXXX, I became unemployed. My wife and I were able to continue regular payment until late XXXX, after my unemployment was exhausted. I finally secured part time employment XX/XX/XXXX, and finally full time employment XX/XX/XXXX WFDS did defer XXXX payments XX/XX/XXXX, but we have still struggled through XXXX. Our car was repossessed in XXXX XXXX. We explained the situation to WFDS, and were able to borrow money to reinstate the loan and catch it up until XXXX XXXX ( although we were under the impression that it was caught up to XXXX XXXX ). From there, we were unable to make the next payment XX/XX/XXXX ( XX/XX/XXXX per their records ), but were able to pay {$400.00} XXXX ( a full payment ) and another {$300.00} XX/XX/XXXX, with the next payment stated due XX/XX/XXXX. However, XX/XX/XXXX within 6 months, and the vehicle just over 2 months past due, WFDS decided to repo the car again, and is now demanding full redemption to get our car back. We were quoted {$10000.00} before XXXX or the car is to be auctioned. WFDS is unwilling to negotiate. In fact, their staff has been mostly uncaring, rude, and condescending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I fell behind on my mortgage in 2013 due to illness. I received help with the " Ohio Save the Dream '' program. Wells Fargo received the payment from the program and stated the amount received was incorrect. A check for {$15000.00} was sent to pay the mortgage through XXXX/XXXX/13, which is what was stated on my closing documents. Wells Fargo said they were only notified that the mortgage was to be paid through XXXX/XXXX/2013 and returned {$1700.00}, saying they are not permitted to apply more funds than what is allowed for a loan " saving '' through this program and that they were only told to apply through XXXX/XXXX/13.. I was n't able to get the mortgage caught up. Wells Fargo blames Save the DReam. Save the Dream says it was a problem with Wells Fargo. None the less, I lost my home and would like to rebuild my credit to be able to buy a home in the future. I have asked Wells Fargo to remove the negative reporting from my credit. They say they ca n't because the mortgage was behind ... but it was only " behind '' because they returned the funds. I do n't care about who is at fault. I just want the negative reporting off my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have filled a dispute with cfpd on this several months ago. After all this time the items in question were still not removed. I finally got through to speak to a human at Experian and finally they removed 99 plus items not belonging to me. All if which I have been disputing for a very long time and were terribly overlooked on their part. 
My report showed a second SSI number a wife that I never had, that didn't even have the same last name that had a delinquent XXXX  account on my report that prevented me from obtaining a loan from them myself 3 years ago. Also on this phone call i found out that another collection account of almost {$500.00} was her actual husbands account not mine. Boat loads of names addresses phone numbers a wife multiple SSI numbers have been removed from Experian. still a few remain. but even after all of this I only received a slight increase in my fico. This is ridiculous and I need this fixed. Also I should be rewarded with compensation for heavy damage to my credit embarrassing rejections the perception of having a wife when I was never married. I am retired and lving on a small pension and ssdi. I need credit to survive. Also after removed several delinquent and negative items since my initial complaint with CFPD my scores with XXXX  and XXXX   have dropped ridiculously and I feel this is a direct and intentional retaliation for filing that initial complaint And thet should be held accountable.

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 2016-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My mortgage account I owed XXXX in XXXX XXXX I paid {$8800.00} in XXXX XXXX. And they are saying I owe XXXX.And in XXXX XXXX the statement says I owe XXXX. Then they charged me a late fee for what I paid my mortgage for a year ... .Wells Fargo Bank ....

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to Transunion XX/XX/XXXX, 2022to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX and I'm including it again. 

XXXX XXXX, XXXX  XXXX, XXXX XXXX BANKRUPTCY XXXX 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 2020-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a serious problem with Bank of America. 
The issue involved is trying to update my current information for Bank of America. 
Bank of America on my on-line checking account has an error on the verification on the form sent on-line to verify my information for their records. 
The Bank Of America verification form freezes for the verification box. The last information reflected on the form is just to verify my social security information is correct on my file. The page should drop down to allow me to confirm their information is current. I am unable to do this since this page has the error for myself the box which I could use to verify their information This should be a simple process but after XXXX hours of speaking to Bank of America XXXX XXXX they absolutely will not help me. I spoke to several Bank of America representative 's for nearly XXXX hours! 

The support team to change the form for verification put me on hold over XXXX minutes and never responded back and was rude when I first spoke to the support team that handle 's technical issues. 

I have been a Bank of America customer for over XXXX years and their service was great!. I have a dispute on file for an E-bay purchase which the seller is trying to cheat me and refuses to refund me even though I notified E-bay for the cancellation. 

Bank of America claims that the dispute was opened. With the service I have experienced today who knows what will happen next? 

The bottom line is Bank of America is unwillingly me to verify my account for Bank of America since the form on my on XXXX Bank of America has this error of not letting complete the verification form complete since Bank of America XXXX has an error to verify the account by the form having the error of being incomplete since the verification box will not reflect on the form. 

As a result of this I am unable to access activity in my account or use any on-line service provided under the term XXXX or any on- category. I could have opened my dispute myself but can not since Bank of America refuses to correct the form or send another form to verify my information. 
I do not understand why a Bank of America refuses to confirm their updated confirmation via phone or E-mail. 

Bank of America is terrible with awful customer service. 
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 2020-03-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing this complaint out of total frustration with Wells Fargo. I have a mortgage with them and I just want to log in and see get a statement. After successfully logging in, when I clink on on statements the web site tells me I need to phone in to WF to get an access code. After holding on the phone for 20 min I finally get connected with a person who asks me several security questions,. He then informs my responses failed. He asks me another set of questions which also fails. I am 1000 % sure that the answers I gave him are correct. At my request he connects me with a supervisor who informs me that I can either call back and be re-validated or go into a branch ( I do not have time to spend hours going to a branch to deal with this ). I call back and wait on hold for and extremely long time again finally speaking to a representative. After giving her my info she says she is working on it, then there is a click and I am back in the holding queue to speak to a representative again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX XXXX, 2016 To Whom It May Concern : Claim # XXXX As per your request I am writing this letter to tell the facts! 

I rented a room for my family at the XXXX. Which was unlivable due to the infestation of roaches, refrigerator not working or the stove and that is what we paid for, as we are a family and needed to cook. I was told by the manager/owner that I am the father I need to figure it out. 

Facts : The stove did not work The refrigerator did not work The tub did n't work however it was fixed a day later Neighbors screaming and jumping all hours of the night knocking on my door. 

I complained to Management they said they would take care of it, as we had to work the following day. Nothing was done about it. 

My Fianc was falsely accused of staying at the motel once before sneaking animals into the room without paying ; my fianc has never stayed at the motel before. They argued with us made us uncomfortable, called us liars etc. 

I paid for XXXX days and checked out on the XXXX day because our room was infested with roaches. 

I notified the Merchant and they were not helpful and did not want to budge. They did nothing to correct any of the issues ; they did not even offer any credits at all. 

I spoke with 2 managers and the owner and the owner was horrible. I immediately opened a debit card transaction dispute in direct response for the poor service and mishandling of my intended funds tendered in hopes of a quality weeks stay. Please note that I originally paid for XXXX nights, but I did not stay past XXXX nights and the entire amount is what I requested back. The provisional credit was given to me and all of a sudden snatched away from me, now leaving me in a further mess with a heavily overdraft account. I was out at dinner with my fianc and was extremely embarrassed by having my card declined in front of the restaurant. I have been through quite a lot and this is very deceptive and very harsh to have my bank that I believe knew the issue first hand with the investigation that created and now has put me in a terrible spot. 

I am contacting the CFPB to ensure justice and proper adjustments on my account are made.

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 2016-07-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX The Complaint department Federal Reserve Bank and Mortgage fraud Complaint Dear Sir/Madam COMPLAINT AGAINST WELLS FARGO BANK WRONGFULL FORECLOSURE ON MY PROPERTY MORTGAGE ACCOUNT NUMBERS, XXXX and XXXX. 
I have intentionally refuse to back off from XXXX Criminal intended employees of Wells Fargo Bank, XXXX XXXX an executive resolution specialist and XXXX XXXX assigned to my loan modification, I will continue to stay in my house until the government steps in to investigate these wrongful act committed by Wells Fargo bank XXXX XXXX XXXX and XXXX XXXX. 
XXXX XXXX with held my documents and released false information to the modification team, intentional to delay the modification of my property loan while XXXX XXXX block my account lied to me for a run around for many months with intent to lue me into foreclosure, she constantly lied to the police and use the police to harass me frequently in my house. She then blocked my access into making payment into my mortgage account and foreclosure my property. When the information was given to me by the Re-entry team of Wells fargo bank, I confront XXXX XXXX which got her angry and she instructed for a foreclosure on my property but lied to me that the modification was successfully and XXXX XXXX has my approved documents, I called XXXX XXXX only to realize that XXXX XXXX has caged me into run around to induce foreclosure on my property, XXXX got angry when confronted with the truth. 
I have written to Wells Fargo Bank and noting has been done but harassment letters of foreclosure and date XXXX/XXXX/2016 to sale my property. I just filled a law suit against Wells Fargo Bank, to stop the sale and claimed damages with Superior court in XXXX XXXX. 
XXXX XXXX has shamelessly refuse to correct her wrongful act and Wells Fargo Bank is doing noting about it. 
Her trick in blocking my account made it difficult for the re entry team to modify my loan, XXXX and XXXX in the re entry team confirmed. 
I have been harassed, insulted, humiliated and XXXX after 14 yrs of relationship with wells Fargo bank. 
I need government intervention to stop this from escalating further, I have refused to allow this criminal behavior of XXXX XXXX and XXXX XXXX to affect my life and my XXXX children. 
A sale date of XXXX/XXXX/2016 has been mailed to me for my property but I will drop my last blood to bring wells Fargo bank, XXXX XXXX and XXXX XXXX to justice, I can be reached at XXXX XXXX XXXX. 
Please SAVE MY SOUL Thanks XXXX 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 2020-03-06
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management ( MCM ) was authorised to take {$25.00} out of my account, starting XX/XX/XXXX-XX/XX/XXXX. Instead of just 3 months, someone put in 23 months of payments. MCM continued to take {$25.00} out of my account each month for the next nine months without authorisation! Without my knowledge! ( I wasnt getting any statements in mail ) Im not a person that usually checks my bank statements & that was my XXXX XXXX resolution to become financially fit. Accounting for every penny that I spend. Ive been talking with the MCM since XXXX, ( on a weekly basis, or more ) trying to resolve this issue & get back to {$220.00}. With no progress, till last week. XXXX XXXX ; Management of MCM authorise a refund for {$220.00} said, Money would be back in my account within five days. Today is XXXX XXXX ; I called the company again today before filing my complaint. I set up for payments ( my bills ) to be taken out of my account today, the company had said that my money would be there by Wednesday, XX/XX/XXXX. Now I have NSF charges & the amount of $ XXXX {$220.00} they still owe me for the refund for a grand total of {$490.00}! The company today had to say today, Well it takes time for the money to go back into your account! Today was 9 days. MCM says today, It could take up to 20 days. They just keep jerking me around! I dont think I will ever see my money & now I owe more than what they owe me because of their lies. I did tell them I was reporting them to the XXXX  & FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSWORLD SYSTEMS INC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On. XX/XX/2020 I wrote a letter to Nationwide Credit , Inc . Claiming the account with XXXX ending in XXXX was not mine and I was a fraudulent account open under my name. On XX/XX/2020 I received another collection notices from them. Since I am a victim of fraud they should not be harassing. me with fraudulent accounts. They should investigate and not seeking payment and violating my rights. Most of all ignoring 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 2017-01-06
Company: Niagara Restitution Service Inc
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:
Niagara Restitution contacted me and threatened to serve me on XXXX/XXXX/17 for a debt that was discharged in bankruptcy more than ( 3 ) years ago. As soon as I said lawyer they hung up. I 'm writing you because I am concerned that other individuals may be or have been threatened by this company. Other individuals may not know their rights and the debt collection laws. This company needs to be shut down and a class action lawsuit should be filed against them. I have evidence and I 'm sure many others have evidence of them violating debt collection laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Received alert from XXXX that a hard inquiry was made. 
I know this did not happen, I have not applied or attempted to open anything or made any changes. I was also out of the country on the date of XX/XX/XXXX and XX/XX/XXXX, which is when the inquiry was made and reported. My credit score was decreased from this hard inquiry, which is fraudulent. 
Called Experian and they told me to call Transunion, who would have more information. I called Transunion and they can contact the company ( XXXX in XXXX, WI ). I called this company with the phone # on the report and spoke with customer service. The XXXX agent did not have any information to share. I answered many questions for them and was transferred to a supervisor. After that no one came on the phone and holding I was disconnected.

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 2018-02-10
Company: EQUIFAX, INC.
State: PA
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:
Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF  PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 



2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 



3. Date : XX/XX/ Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 




I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax, XXXX  and XXXX. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 





Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX cc : PA Banking and Securities

Company response to consumer: Closed with explanation