BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: WELLS FARGO & COMPANY
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I initially opened my bank account XX/XX/XXXXfor my VA XXXX check as the government wanted to do away with a paper check. My account did not have any service fees attached to it as long as I used no checked and never went into the bank and only used the debit card and the ATM. Wachovia bought this bank out around XX/XX/XXXX or XX/XX/XXXX and the account stayed the same. When Wells Fargo bought them out during the subprime crisis they started charging me a monthly fee for my account. I talked to numerous people and fees were waved for a time but then returned. When I called again to complain about the fees, they switched my account stating this would be a better account for me. I was given the impression that this would stop the fees. But instead they were increased from XXXX dollars a month to XXXX dollars a month. Again I called to complain about charging me fees on my account and was told I needed to have XXXX dollars in the account a month. My VA XXXX is not that much and there are no bank branches or ATMs in my state. I even pointed out that all of Wells Fargo competitors have free accounts for XXXX Vets and XXXX XXXX Military. I was told that they do n't. I submitted paperwork with my VA Rep in XXXX, Ohio to change my VA XXXX to a different Bank account on XXXX XXXX, XXXX. Unfortunately, due to how the VA operates, the XXXX direct deposit did n't go through till XXXX XXXX, XXXX ( not a typo ). Then I was able to close the account. So from XXXX to XXXX Wells Fargo bank has charged me a fee for an account I never signed up for, with a bank I never opened an account with due to the Mortgage Crisis and the fact that they bought out my bank ... on a check that the IRS ca n't even tax due to it being my Service Connected XXXX check from Veteran 's Affairs. No one from Wells Fargo wanted to help me and I feel it to be discrimination. First a XXXX from the VA with a pittance of a check for serving my country, then XXXX by a Bank who helped cause a 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 2016-09-15
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My previous Case number : XXXX was not resolved. We have appealed yet another Loan Modification denial because Wells Fargo continues to make errors on my loan modification request and does not thoroughly review all their mistakes after we have sent lengthy explanations and documents of all the inaccuracies. Wells Fargo consistently provides conflicting information in their reviews and when we point out their mistakes there is no acknowledgement of their errors, instead a generic denial letter is mailed. We have attached documents to support their errors and expect a full and thorough investigation.

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 2016-08-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo Dealer Services did not handle my repossession properly. According to the State of Texas UCC 9.506 & State RISA XXXX MVISA statutes a deficiency can not be claimed unless all of the required notices were properly & timely given. As well as all allowable redemption & cure time limits were adhered to. Wells Fargo failed to followv these requirements. I have contacted this company with no response to my request of proof of these noticed being sent due to the facts that I never received them & continued to get mail at the original address listed on my loan. After leaving that address I then had my mail forwarded. However if the notices were sent & received or sent & returned they should have proof of this. Which I 've asked for.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2015-04-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo, formerly Wachovia MortgageBack in 2006, a XXXX year old XXXX and his wife received orders to XXXX for the XXXX leg of a XXXX. The housing market was HOT! They consulted various big lenders, and ended up buying a house for {$140000.00}, with an XXXX/XXXX loan through Wachovia ( Now Wells Fargo ). This was an alternate to a VA loan, but still 100 % financing. The second loan ( 20 % of the purchase price ) was going to be a highter interest rate, but it was a seemingly necessary program to do to buy a home in such a hot market. Three years later, the housing market went bust. Same year, the now new parents, received XXXX. They refi'ed the XXXX house, with the big mortgage loan being now 5.875 %, and the small, 20 % mortgage being a whopping 8.62 % interest rate. Now, XXXX in XXXX, the couple rent out the home in XXXX for a loss of about {$250.00} a month. 
This couple is my husband and myself. I have called Wells Fargo for years now, begging to refi the house. Interest rates are LOW now. Their response remains the same - They will not refi it because it is not my primary residence. But it is not my primary residence ANYMORE, because the XXXX had other plans for my family. I 've asked everyone there, every year, what I can do? Who can I call? The most definitive answer I have received from them is " just to short sale the home. '' Yes, they recommended to short sale the home. We do n't want to do that. It was our American Dream to buy our first home, and we did, proudly, and used nothing but American owned companies in the process. 
I do not want the home given to us, or defaulted on by us. I want a fair chance to refinance the home on FAIR terms. 8.62 % interest rate ( the small loan ) is far from fair. This company has made ENOUGH money due to the misfortunes of others. We have never been late on a payment, or never discussed foreclosing or a short sale. Unfortunately, nothing can be done until we receive orders back to XXXX and that can be our primary residence again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
RE : XXXX-PRIVILEGED AND CONFIDENTIALCOMPLAINT : XXXXDear Wells Fargo Bank : I am in receipt of your regular mailed letter thot mirrors the online letter I IMMEDIATELY RESPONDED. Now, let ME, XXXX, provide clarification. 

The rental deposit annual interest payment is mandated for ALL LANDLORDS to paying tenants annually. I received the {$1.00} check dated XX/XX/XXXX sometime late in XX/XX/XXXX. I was unable to cash or deposit {$1.00} official XXXX check ( does not contain remarks noting 'void ' ) If the money has not been returned to the sender, then the money should be sitting in a bank ACCOUNT collecting interest. 

I WANT ALL MY MONEY AND ALL MY INTEREST. 

Sincerely and Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-21
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
Truest keep sending statement that an account dont exist and I dont even know the company and they keep sending monthly statements which I dont recognized and just ignored it On this last statement thry are collecting money already.

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 2016-11-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I bought a watch for {$8900.00} plus tax 0f {$550.00} for a total of {$9500.00} from XXXX XXXX in XXXX of XXXX. I was given 12 months to pay the monies back without interest of XXXX percent as I filled out a credit card application through XXXX XXXX XXXX and Wells Fargo financed the transaction. I made {$800.00} dollar payments for 11 months and mailed my last payment of {$920.00} for a total of {$9700.00} on XXXX XXXX, XXXX but it was not posted till XXXX XXXX by Wells Fargo. 
Wells Fargo is now charging me XXXX percent on the original amount owed of {$9500.00}. 
Although I substantially paid down the amount owed they say I now owe them an additional {$1900.00}. They are acting as if I did not make payments. They are basically saying that if borrowed {$10000.00} on day 1 and on day 365 I paid them back {$9900.00} then I owe them an additional {$2700.00} because I owed them a dollar. 
Please help me. The true interest rate on this loan since I made payments to reduce it is more than XXXX percent. 
I have now received a statement saying I owe them {$1900.00}. Pathetic.

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 2018-05-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Approximately 2 weeks ago, I had been notified of suspicious activity with my Chase Bank account by phone. On this call I was notified that over a span of a day, a check deemed fraudulent was deposited in my account without my permission or authority. 
The check was issued to my name, however was unsigned, proven by photos of the check sent by Chase. The fraudulent check was immediately made available despite its obvious signs of being fake. The suspects then overdrew my account, withdrawing {$2600.00}. Leaving my account overdrawn by {$1600.00}. Chase denied to give me any information regarding the transactions to make a proper police report. they froze my account, leaving me unable to access my money and information regarding the incident. I was on the phone with chase daily attempting to reconcile the situation. Chase approved a fraudulent and unsigned check. Chase repeatedly denied my claim, for a week. I then received a letter in the mail deeming the check deposited fraudulent. Chase then closed my accounts without any warning, and sent me a bill in the mail for XXXX USC of overdraft fees. I am currently XXXX   and am now left with a bill of {$1600.00}, due to chase 's negligence, I am unable to pay for my medical expenses and vital XXXX care for my child due to chase closing my accounts with them after nearly 15 years of banking. 

Check copy sent to me in mail, i can provided upon investigation. 
However, I can not provide any other documents at this moment due to my account being terminated without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Seterus, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with Seterus ; it is an interest only loan ; We were contacted in XXXX XXXX that they changed the terms in XXXX XXXX without notify us. At that time I asked for the details on this and contesting the loan, which by the terms of the loan stop all late fees and additional interest at that time. I have, in writing both via letter and fax sent them the request for this and it took them until XXXX XXXX to get me the details, and then only after the Attorney General of MN office had been contacted and was working on this case. During this time Seterus called us weekly and we always took the calls and we always explained what needed to happen and that we are contesting the loan. Once we received the information it was identify they sent the information to the wrong address. We have continue to pay the old monthly payment and will do so until they correct their mistake. We have continue to ask them to remove all late fee 's and interest charged in XXXX because of their mistakes. Our mailing address did NOT change in XXXX or XXXX and this as a mistake do to Seterus record keeping errors NOT ours. We also have asked them to correct all the negative reporting to credit agencies and provide us with a report showing us that this has been done with a letter stating it was their fault incase an agency comes asking in the future. We have been contesting the lone until this point and due to terms of the loan they should have stop late fees and foreclose process. On several cases including the following I was told the case was being contested and ALL late fees would be on hold- Including-On XXXX XXXX XXXX said she was doing this ; XXXX XXXX said she was doing this on XXXX, also XXXX XXXX XXXX said she was. Please understand this has been more than XXXX faxes and Seterus HAS confirmed they have received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinanced my loan with Wells Fargo. The original GFE had my closing cost at about {$2500.00}. The final closing costs ended up being over {$3600.00}. Most noticeably the Origination charge went from {$820.00} to {$1200.00} with nolear explanation. ( email attached ) There was also {$590.00} taken out of my escrow account that Wells Fargo said was used toward my closing. When I questioned this, no one could give me a clear explanation of where the funds went. Only that it was used toward my closing costs. When I calculated my payoff compared to my closing costs, there is no way the {$590.00} was used toward the closing costs.

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 2017-04-28
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get calls repeatedly from this phone number,  XXXX , which comes up on caller ID as " robo caller ''. No one ever leaves a message and they call repeatedly all throughout the day. When I do answer the phone, there is absolutely silence.   The last time they called me was today,  XXXX , at   XXXX   XXXX   But they have called many times before this and I just did n't document it. I had no idea whose number it was because they never leave a message and there is silence when I do actually answer.     I Googled the number and found a " complaint '' website where many people complained about this same situation. It turns out it is Chase Bank.   Some people are saying it 's a scam to get your CC number. Others are saying it really is Chase Bank. I do have a Chase CC but I am not behind in my payments at all. I just want them to stop calling but when I call that number back to try to speak to someone, it says it 's not a working number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my third attempt to reach out to the credit bureaus to remove accounts that I do not have knowledge of. My rights are being neglected and violated. The accounts that I am filing a dispute on are coming back validated yet I am receiving inaccurate key factor information. I need these accounts removed immediately before further legal action will be taken. Please refer to my attachments.

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 2017-01-07
Company: WELLS FARGO & COMPANY
State: AK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a mortgage through Wells Fargo. I lost my home due to a fire approximately a year and a half ago and have hired a contractor to reconstruct the home. While the home was under construction, the contractor " accidentally '' built the home XXXX sqft too big and insisted that I pay him for it. I explained that this is not a possibility as we did not contract or approve the additional square footage. The contractor subsequently assaulted the woman living on the property and then quit the project. He and I are currently involved in litigation but I have continued to build the house and pay other contractors to complete the project. Wells Fargo has frozen my funds which are being held in escrow and claim that I can not recoup any money which I have spent until litigation is complete. The home is currently finished and I am awaiting the final inspection from Wells Fargo. Once the contractor quit the project, I followed Wells Fargo 's stated procedure for removing or replacing a contractor and hiring a new one. That procedure being stated as a termination of contract letter or the service of two letters, spaced ten days apart, stating that the contractor is essentially owed no additional money. This procedure was followed, but Wells Fargo subsequently chose to freeze all funds remaining in escrow. I would like the bank to release the remaining funds, as I have spent more than the {$35000.00} which is remaining in escrow.

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 2015-11-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took out a new vehicle loan XX/XX/XXXX with Wells Fargo. From the very XXXX month, I was told that I could make payments to my loan using my Wells Fargo account. Wells Fargo has established another company within itself called Wells Fargo Dealer Services, and they do not communicate with each other in regards to electronic payments. When payments are taken out of XXXX Wells Fargo Checking Accounts, they take up to 2+ business days to arrive and be processed at Wells Fargo Dealer Services XXXX They also do not communicate with XXXX another in terms of when payments are submitted or if they are going to be showing up as " late '' within a system. 

Sometime XX/XX/XXXX, I attempted to set up an automatic payment within Wells Fargo, but that system never worked and I missed my XXXX payment, causing me to be 30+ days late sometime XX/XX/XXXX. When I noticed the payment had not posted, I paid what was owed and went on with my life. What I did n't know was that while my payment had posted, I started a clock and payments that were already 30 days behind. At no time did Wells Fargo Dealer Services attempt to contact me and inform me that I was 30 days behind on my payments. Each month, when I would make a payment thereafter, resulted in my being charged on my credit report as 30+ days late. 

I again attempted to set up a auto-pay XX/XX/XXXX, and once again it failed. Once I realized it, there were now XXXX missing payments and I began making frantic phone calls to Wells Fargo to figure out what I could do and how I could make things right. It was then that I discovered the XXXX different companies. Wells Fargo Dealer Services has began looking into transaction dates, as if they could resolve this and tell me to " go away '' because it 's entirely my fault the payments are late. When you have a parent company that takes 4+ days to provide funds for a loan to itself, then docks the person who 's making the payment because it 's late - I think there 's both a LARGE communication issue and potential fraud within their systems. I have repeatedly requested them to see that there was a mistake on my part and ask for an adjustment to all my late charges within the credit agencies, but this request is being met with continual denial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Applied for loan for hot tub purchase from Wells Fargo Bank. Wells Fargo declined me for the loan and I lost out on a sale price for the tub. I have very little debt with a XXXX mortgage and only {$300.00} in credit card debt. I have a XXXX credit score from XXXX. When we called the XXXX number we could not be directed to someone that could provide information on why the loan request was denied. The loan amount would have been {$3700.00}. I have since financed with another bank. The frustration from this will forever keep me from doing business with this 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