BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-17
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a escrow account disclosure statement dated XX/XX/XXXX informing me of an increase in my payment information because of a shortage amount of {$540.00} in my escrow account. The statement does not provide an explanation as to why or provide figures beyond that it may be due to an increase in property tax, insurance premium, or mortgage insurance. Upon speaking with customer service representative " XXXX '' at PNC BANK, she informed me that none of the aforementioned escrow accounts payable have increased and in fact property taxes have decreased from {$3000.00} as of XXXX XXXX to {$2800.00} for XXXX XXXX. The document states that " The minimum required balance allowed by federal law ( RESPA ) is two times your monthly escrow payment ( excluding MIP/PMI ) unless your mortgage document or state law specifies a lower amount. '' Our monthly escrow payment according to this statement is {$390.00}. According to XXXX, our escrow balance is {$1000.00} which is over {$200.00} more than double our monthly escrow payment and thus the minimum balance allowed by federal law. XXXX responded that " the reason I have a shortage is that I dont have enough money in the escrow, '' a tautology I am not satisfied with. When I said I could not follow her logic and was concerned that there was an error if my liabilities have actually decreased and my payments have increased, she said I was " just being argumentative '' and when asked if there was someone else I could talk to she said " no '' and that I could talk to her. I asked where the additional costs were coming from and she replied that they were coming from their yearly escrow projections which they do each year in XXXX. She claims the previous lender gave us the wrong amount to put into the escrow and that is why we have a shortage. She also claims that the escrow successfully paid all liabilities and that the balance is in fact still over the minimum required by federal law. And since we know exactly what they are for XXXX, I dont understand how the projections are coming back different. I am not satisfied with this service and do not want to pay you an increased rate based on costs that are indemonstrable and unavailable for my scrutiny. And, whoever XXXX is, she is not capable of explaining simple math to me and needs to be trained further if you are to obtain quality customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a Capital One account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from capital one. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and Capital One directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from Capital One XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by Capital One 's refusal to release me from the fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On/around XXXX 2015, my wife and I contacted Wells Fargo ( currently have a mortgage with ) to apply for a XXXX refinance in order to update our home. Upon filling out the credit requirements and getting a preliminary approval, we were charged {$950.00} for an appraisal fee. During the time of the appraisal ( waiting for it to come back ), we had to pay a .25 % fee on the loan in order to keep our rate locked in. After coming back with the appraisal, which was too low for the amount we requested, we were instructed to revise the bid down to the amount Wells Fargo would loan. During this time, we had to agree to another .25 % fee to extend it yet again. After submitting the revised bid, we were told we would have to pay another .25 % fee to hold the rate ( rate expires after 2-4 weeks ). This was agreed to yet again. Upon receiving the revised bid, Wells Fargo required that another appraisal be done because the scope of work had changed ( at their request ) and that they would pay for a second appraisal but we would have to extend the rate again with another .25 % fee due at the time of close ( approx. {$650.00} per extension in fees ). 
With a total process of 6 months from the time of application to the request of a second appraisal, I feel as though Wells Fargo has an unwritten policy of intentionally creating an environment in which consumers are given the option of re-financing but through their arduous and twisting process, hope to lose them through attrition. If a loan does close, they have collected numerous " fees '' in the form of rate locks. These rate lock fees coincidentally happen to coincide with time sensitive occurrences such as appraisals, underwriting decisions, etc. thus resulting in the consumer being pressured to agree to the rate locks or risk starting the loan process over again. Due to this hostile environment, I formally requested the {$950.00} fee refunded. After 4 weeks ( XXXX extensions ) by their " Compliance Department '', I was told that there will be no refund.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: WELLS FARGO & COMPANY
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I got some loans from companies that took control of my Bank Account with the help of my old bank Wells Fargo. I hired a company called XXXX XXXX to pay the companies that was taking everything I had coming in to live on, they was strangling me where I could not survive. I asked my bank to help me by not paying these companies for over a month. My bank Wells Fargo decided to pay these corrupt companies anyway, and I pleaded with them to stop paying them. The bank would pay these crooks that are illegal lenders charging more interest then they are allowed to, and the bank would sent the payments back I wanted to pay. Wells Fargo has me way overdrawn on my old account, and a lot of overdraft fees on account of it. I put a hard block on my account, and changed bank accounts. I 'm so far behind on my bills because of this, it 's going to take me awhile to be able to pay these bills. I 've been working real hard to restore my credit, and these companies, XXXX XXXX, XXXX, XXXX, XXXX and the help from Wells Fargo my credit is going back into the toilet. I want the money back the bank and companies have ripped me off for. I 'm paying XXXX to pay these companies I owe for over a month, but they continue to take from my bank account with Wells Fargo to, and Wells Fargo is giving them the money, even though I explained everything to the bank. PLEAS HELP ME, I 'M DROWNING IN DRBT.

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 monetary relief
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off a debt in person to XXXX XXXXXXXX XXXX XX/XX/XXXX in the amount of {$180.00}. I sent the receipt to Equifax and XXXX twice, XX/XX/XXXX and XX/XX/XXXX after I was told that things would update after 45 days from the payment date. This debt is no longer valid and I would like it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for an American Express Delta card that would issue me XXXX mioles if I charged more that {$1000.00} in the first three months. I more than exceeded that and have wrote them three times to get my miles. I have the terms and conditions which do not specify if you have ever had the card before. I have never got a response bsck from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I have experienced my worst banking experience as a result of dealing with Wells Fargo online representatives, and supervisors. As Power Of Attorney, I have attempted to close XXXX matured 48 months Time Deposit Accounts, and have the funds transferred to an account, which is titled in the same name as the TDA 's. On XXXX XXXX, 2015, I was advised this would be done, and would. take a few days. The transfer was not made. I called again and spoke with a supervisor who apologized, and promised she would take care of the transfer. Eventually XXXX account was closed and put into the savings. The other XXXX was not closed, and disappeared from the online profile. I made several other calls and spoke to supervisors who promised to close the account and make the transfer but never followed up.I called again on XXXX XXXX, spoke with a supervisor XXXX XXXX, who apologized, said he was not like the other supervisors, and ensured me the transfer would take place. Like the other Supervisors he did not follow up. 
Here we are nine days later. I spoke with a representative who said his name is XXXX. I asked to speak with XXXX XXXX. XXXX put me on hold. He returned and advised me the TDA had rolled over and I had to go into the Bank. I told it, it was not my fault since I had been calling since XXXX XXXX, 2015. He then said as POA, I could not request the telephone transfer even though the funds were going into an account with the same title. I told him none of the many representatives, and supervisors I spoke with gave me this information, and asked him why XXXX TDA was closed, and transferred. He said it was a mistake. I stated that the supervisors needed to be retrained, and at this point my request should be accommodated. XXXX agreed with the retraining, but did not agree to accommodate my request. As of XXXX/XXXX/15, I have not gotten any results. 




I would like to have this account closed, and transferred to the savings account with all accrued interest included. All supervisor and representatives should ask themselves, how They would feel if this happened to them. I think they would agree this is horrible, unacceptable service. 




Thank You, XXXX XXXX POA, For XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I made a transaction of XXXX USD ( for payment on my student loan ), and I received the email confirming the transaction was approved and is processing. On XX/XX/XXXX, my account was debited with XXXX XXXX. But on XX/XX/XXXX, my account was closed, and it was not communicated to me until I contacted customer services. The reason was that I tried multiple transactions that were getting failed. This was not the error shown while I was trying to make the transactions. The error on the app was " something went wrong. Please try again. '' The customer representative told me that the transaction was getting failed cause I didn't have enough funds in my bank account, which is incorrect ; I had a sufficient balance in my bank account. I have my bank statement proving this. 

The customer representative said that the amount XXXX is not received for the transaction, whereas my bank account shows that the amount was debited.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have checking account in Wells Fargo Bank. My prospective tenant living overseas mailed me Cashier 's check also drawn on Wells Fargo Bank. The copy of will be attached later.The money was meant for Holding deposit/Security Deposit and First month rent and Utilities.The total amount he sent me was $ XXXX.Check arrived to me via priority mail. I deposited in my Wells Fargo Account. It took them 18 hours to clear the check and bank told me funds are available for my use. Then after another 15 hours bank send me email stating my check has been returned for lack of funds. As such I was shocked and puzzled when the check that was drawn also on Wells Fargo Bank is bad check. 
At this time point I see not only Wells Fargo has already bad reputation publicly but my incident adds to more of the same. They say it is Scam then that means Scammer and Wells Fargo are in Collusion to carry such criminal acts. With the result I lost business because I had already taken AD off the market. Since I had promised this Gentleman I will reserve room from him before his arrival so I could not rent anybody else. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My daughter 's father passe away and XXXX of her Well 's Fargo Loans went into default. There is also XXXX that is current that I am making payments on and trying to get it re-financed away from her co-signer that is her XXXX XXXX. I filled out an application and have great credit, own a home and have a substantial salary! I did have fraud on my credit and emailed a police report disputing any negative issues. After having the XXXX application with my daughter turned down, I submitted XXXX in my name only and had that turned down too!!!!! I do n't understand what is going on and am very upset dealing with them! I want to bring all of the private loans current and feel that they are preventing me from being a credit worthy borrower and need to complete this complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage on XX/XX/2021 with Cardinal Financial ( also known as XXXX  XXXX  ) based on rate information published on XXXX and XXXX. Both websites listed XXXX as among the lowest rates and lowest fees available for the product I was considering ( 15 year convential mortgage refinance ). I called them and spoke to a mortgage person and explicity told them that I was calling because of what I saw on XXXX and XXXX. The person collected all of my information and pulled my credit. My qualifications ( income, credit history, work history, current equity level in my home ) were all outstanding and the mortgage person remarked every step of the way how favorable to my application each of these things were. He said he had to run the numbers for me and would call back later in the afternoon. To be clear, I applied for a mortgage expecting something along the lines of 2.125 % APR with total costs of {$1.00} ( what I saw on XXXX ). The mortgage person came back with 2.5 % APR with total costs of around {$2000.00}. When I expressed my dismay about the disconnect between what he was offering and the rates that I had seen online, his response was that he didn't have any control over what is published on sites like XXXX. While he may not be personally providing rates to XXXX and XXXX, I doubt that they are pulling them out of the air with no input from Cardinal Financial. Looking at both XXXX and XXXX today ( a day later ), the rates have changed slightly, but XXXX is once again at or near the top of the list. It certainly feels like a bait and switch set up, where Cardinal Financial is providing rate and fee combinations to these websites where no one will qualify ( even if their credentials are impeccable ). Lots of people rely on XXXX and XXXX for pricing information and Cardinal Financial knows this and has figured out a way to appear to offer the best pricing without actually following through on it. That is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My previous VA loan with Wells Fargo was foreclosed on. I was divorced and my wife was given the home as part of the divorce decree. She was never able to refinance. I tried to step in and save the loan even though for a house I no longer was responsible for and Wells Fargo refused to work with me per the divorce decree. As a result the house was foreclosed and my va benefits was reduced. I believe this happened as a side effect of the attention paid to new accounts versus helping existing customers. Recent news of XXXX fired wells fargo employees fueled my concerns even further that I was neglected because it was n't tied to some sales goal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Credit Plus Inc
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance. 
CREDIT PLUS XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: WELLS FARGO & COMPANY
State: DC
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
WELL FARGO REPOSSESSED MY CAR FOR FALSE REASON OF INSURANCE THAT HAS BEEN CLEARED BY MY INSURANCE COMPANY. WHEN THE CAR WAS RELEASED AFTER FEW DAYS, THE CAR WAS DAMAGED AND THE WHEELS WERE REPLACED TO THE BAD ONES, INCLUDING SPARE TYRE. MY PERSONAL BELONGING IN THE CAR WAS ALSO STOLEN. MY LOSS SUBMITTED WAS $ XXXX.WELL FARGO DENIED RESPONSIBILITY AND ASKED THE CLAIM SHOULD GO TO THE RECOVERY AGENT. THE RECOVERY AGENT DENIED. ANY CLAIM SHOULD GO TO WELLFARGO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: SC
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:
I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Merchants' Credit Guide Company
State: PR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint is related to the company Merchants Credit Guide whose website is at https : //merchantscreditguide.com/. 

Recently, I was notified that an unpaid debt had been added to my credit report from an XXXX XXXX visit I made in 2020. When I spoke with the representative on the phone I discovered that they had the wrong address on file and had failed to notify me of the debt. 

As a result my credit score has been impacted days before I was planning on purchasing a home causing me significant financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation