BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-03
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Issue: Rewards

Complaint:
Obtained a Wells Fargo Visa Rewards card, and was upgraded to the XXXX Platinum Rewards card. According to the online marketing information, I was eligible to receive " Unlimited 5x points on grocery store purchases! '' ( that wording has since been removed from their site. I made purchases that did not violate the T & C 's ( XXXX ), and was sent a letter telling me to cease all purchases that they considered to be against their T & C 's after receiving the letter, else they would be closing my account. I immediately stopped using the card, and they cancelled my account two days later. I had XXXX XXXX rewards points available to me that were placed in a pending status with a date of XXXX, then it was moved to XXXX, then said " frozen '' and I could not redeem them. Now on the site they simply say " forfeited ''. 

I did nothing against the Terms and Conditions I signed up for, and Wells Fargo took away all of the rewards I used from their card ( rewards I could have earned elsewhere, but chose to do business with them ). 

I called and they said they could not do anything about the account being closed. 

Now I have a closed by creditor account on my credit report, and they took all my rewards away.

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 2016-10-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please be advised that Wells Fargo has refused to turn over any " Debt Validation '' Documents. One of their executives claims " the request is too broad ''. Semms simple enough to me. It 's a standard debt validation asking what or how much do I owe and why I owe said amount. Keep in mind, this is a Wells Fargo area of expertise producing phony " TADA '' or ROBO-SIGNED documents that do not and have not ever existed.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged of the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, SD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/2021, XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXXXXXX XXXX : {$1900.00}

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 2016-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I received my Bank of America Travel Rewards credit card back in XXXX of XXXX. I wanted to wait a couple months to activate my card, so I called and verified that if I wait a couple months, then I 'd still have 90 days from the day of activation to acquire my XXXX points. The customer service rep that I spoke with verified. XXXX/XXXX/XXXX I activated my card and they said I have 0 % interest till XXXX XXXX. I called today to see if they could extend the 0 % interest to 12 months from activation, but they told me no. I said that I 'd like to verify that I still have 90 days from activation to acquire the XXXX points and they told me no, that it was from the day the account was created and not activated. I was misinformed by the representative that I spoke with back in XXXX. I 'm upset about being given the incorrect info back in XXXX, so I asked to speak with a manager, so I was transferred to XXXX XXXX from the West Virginia call center. He told me there is nothing he could do and that that no one would be able to adjust this for me. I explained I was upset about being told the wrong info when I called in XXXX and that this makes this Travel Rewards card useless to me. I told him that I was going to file a complaint, but he said there is nothing that can be done. It 's disappointing about the 0 % interest is from the date of opening the account and not activating, but I 'm upset about being told the wrong information about the XXXX reward points ( the whole reason I got this card ). If nothing can be done, then I might as well just close this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America ... .AGAIN In XX/XX/XXXX they told me that they did n't receive my XX/XX/XXXX mortgage payment .... even though I had Proof that they cashed my check.They had me send in my bank statements to Prove I had paid them. Then the customer service rep said she could n't see the balance in my bank account so they could n't honor the payment until there was proof. After going back and forth with them and contacting a few Federal agencies. they FOUND my payment. they applied it to another account that was n't mine. Then they write me a letter in XX/XX/XXXX telling me not to pay for XX/XX/XXXX because they SOLD my loan to another servicer then around XXXX XXXX I receive a letter of them telling me they did NOT sell my load and to pay them. My new payment was suppose to be around XXXX a month because I got a lower insurance company. So I sent a check for {$2200.00}, then I just get another letter from them telling me Im LATE for my XX/XX/XXXX payment and I own another {$180.00} and I have UNAPPLIED Funds. I need a Federal agency to do a full investigation into them and their treatment of my loan servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
5 things that were previously deleted from my report were added back this month which includes a BANKRUPTCY, XXXX COLLECTION ACCOUNTS and several inquiries. These were previously disputed and deleted. 
the collections were XXXX, XXXX accounts and XXXX and the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I currently bank with wells fargo. I pay my bills through online banking bill pay. I pay my bills on time, all the time. About a year ago XXXX sent me a paper bill that was huge!! I called them and they told me that I had not paid my bills for over 3 months, they were ready to shut off my electricity. I said NO, I did pay my bills and I have proof. I faxed her the Wells Fargo online history of payments. 

The gal at XXXX looked into it and said that my payments went to some other account and that they would try to straighten it out. I thought it was a XXXX problem. Then she told me that my account numbers for paying had been changed so that my bank account and XXXX account were no longer " linked. '' I told her to change it back. She said, no, that it was Wells Fargo that changed my account numbers and they needed to change it back. I actually did n't believe her. 

So I look at my Bill Pay, I see the account numbers, and it shows the same as it has always shown. 

So I called Wells Fargo, I complain deeper and deeper into the company and finally a gal tells me that, yes, my account numbers had been changed " back of the house '' and no she did n't know why. I asked how they could change my account numbers and not tell me. And I could n't even see that they were changed. They never admitted anything but I could tell that something was wrong. This took many, many frustrating hours over about 10 days to resolve.

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 2016-12-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been in a rate reduction program for a year with Navient. The agreement requires that Navient draft the amount due from my checking account each month for 12 months. In XXXX, I realized that the draft did not occur so I called to find out why. I was told by three different representatives that I did not have a balance due and that no payment needed to be made for XXXX. In XXXX, the draft also did not occur but my online account showed a balance due of XXXX across all of my loans so I made a payment through my XXXX account. I began receiving phone calls last night at XXXX about a delinquent account despite my full payment. When I checked my account this morning it showed that my payment had only been applied across 3 of my 5 private loans. When I called this time, I was told that the person I spoke to in XXXX was incorrect and if I did n't make an extra payment of {$40.00} today, all 5 of my loans would still be delinquent because I missed a payment in XXXX ; the payment they claimed did n't exist. The representative also informed me that the person who set up my payments last XXXX, mistakenly did not set them up for the full length of the program which caused the lack of drafts in XXXX and XXXX. I made the {$40.00} payment but there is clearly something VERY wrong with Navient 's accounting practices. Please look into this so they do n't railroad other consumers into paying unnecessary late fees and ruin their credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: SYNCHRONY FINANCIAL
State: CA
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage on XX/XX/XXXX to XXXX XXXX. The company has not released the lien on my mortgage. According to the Internet ( XXXX XXXX ), XXXX XXXX became Bank of America Mortgage in XX/XX/XXXX. I contacted Bank of America Mortgage, but they were not helpful. 
The lien on my property still needs to be released showing satisfaction of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: WELLS FARGO & COMPANY
State: AR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I was working in XXXX XXXX XXXX for XXXX XXXX. I was sent to XXXX XXXX, XXXX to work for 3 weeks. While there I visited the Wells Fargo Bank to obtain some information on my account. When I returned home, I found a credit card in my mail. It was a Wells Fargo credit card. I had not applied for the card, yet I received it anyway. I immediately called Wells Fargo and complained and had the card cancelled. My concern is that the CFPB complaint XXXX does not adequately cover all the affected consumers as that compliant only covers the time period from XX/XX/XXXX thru XX/XX/XXXX. I feel certain that the fraudulent practices were occurring long before XX/XX/XXXX. When I recently called Wells Fargo about the credit card I was told there was no record of it. Yet it appears on my credit report even as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife and I each opened CITI Gold Checking accounts with CITI Bank. I confirmed via instant chat on their website as well as over the phone that we were both eligible, targeted, and had met the spending requirements to earn XXXX AAdvantage XXXX XXXX miles to be credited to each of our accounts ( a total of XXXX miles ). They are denying ever confirming my eligibility and refuse to credit the miles.

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 2020-04-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank NA, made a " temporary deposit credit for negative balance prior to stimulus payment ''. This deposit credit will be removed in 30 days, thus unneedingly inflating my available balance. This means I thought I have more funds available to use than what I thought due to the inflated balance, which will result in additional fee revenue after the credit is debited from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
A vehicle loan were established with Wells Fargo Dealer Services ; XXXX XXXX, XXXX - total Loan Amount : $ XXXXXXXXXXXX/APR ( 60 ) Months @ $ XXXXmonth payments. Consumer purchased a ( used ) XXXX vehicle. Consumer understood from car dealer ; a warranty purchase would be added to loan. Car dealer failed to add the XXXX warranty as promised. During XXXX XXXX through XXXX XXXX ; the vehicle were inoperable ; Consumer paid {$15000.00} ( out of pocket ) for car repairs within ( 1 ) year ; vehicle remains under repairs. Wells Fargo Dealer Services ; had been advised ref ; vehicle mechanical issues and problems with vehicle. -- Consumer had requested WFDS follow through with a deferment payment plan and make a resolution to the consumer ; regarding a dispute and investigation into the car dealer 's lack of transparency to the warranty purchase. 
Consumer made monthly payments ; XXXX XXXX through XXXX XXXX. Consumer advised WFDS ref ; the overwhelming out of pockets costs to repair the vehicle ; and that Consumer would be considering a lawsuit against the car dealer ; for deceptive practices and the errors and omissions ref the loan. 
Consumer contends WFDS has ingnored the hardship and failed to work with the consumer on said loan amount ( s ), payment ( s ), and deferment ( s ) as requested ; in order to accommodate out of pockets expenses/costs for said vehicle. Consumer has ( documents ) on file regarding mechanical repairs : {$13000.00} + {$3000.00} loan payments = {$16000.00} paid in XXXX by the consumer. WFDS were aware of the issues and financial hardship. WFDS has neglected to work with consumer and has made numerous excuses as to the agreement and/or advisement made by consumer. 
In XXXX XXXX ; WFDS charged-off the loan with interest against consumer. WFDS did n't provide adequate notice nor written memorandum, nor advised consumer of options and/or consequences. WFDS has canceled and terminated loan payments and has requested consumer to make payment in full for the remaining balance in the amount of {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Upon closing of our loan in 2007 we were told that we had a fixed rate loan and that the payments would be XXXX per month. Twenty-one days after the loan was closed and fifteen days after the money was funded and disbursed to pay of other debts we received a letter from our loan company stating that if we did not sign the papers enclosed that the loan would not be in compliance with state and federal guidelines. The papers were the ARM disclosure part of the loan and they had been post dated back to the day of closing in handwritten ink. Of course we never sent these in because you never sign anything after closing. Several months later I complained to the attorney general reguarding not being informed about the ARM rate at closing. I received a letter back from Bank of America stating that they were concerned with my complaints and that they would respond back with an answer within 2 weeks. In 2 weeks I received another letter from Bank of America stating that they were sorry about the delay in getting back to me but I should receive an answer in another 2 weeks. When I did finally receive papers from them, all it was telling me how they had no record of my complaints and no record of them turning me down for XXXX loan modifications that they told me I needed to be behind 3 payments before I qualified for it and then they try to foreclose. In the packet of letters they gave me trying to prove me wrong about the ARM disclosure there was the same paper with the ARM disclosure with my signature and my wife 's clearly forged on the document and also the same handwritten date where they had photo copied it before hand. We still have the original letter and the unsigned document in our possession. And also my wife 's name is not on the loan, She was not required to sign anything but all of the sudden her initials are all over these papers. I want to know what attorney I can get to make this right. I do know that forgery in the origination of a loan makes the loan void. We have had many financial hardships because of this and have filed bankruptcy 3 times. Our credit rating is shot so there is no way of refinancing. I have tried on my own to work out the situation with them, but knowing they purposely deceived me and the courts I believe they can not prove that they have the right to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I are XXXX and receiving Social Security. In XXXX I lost my part-time job and my husband became XXXX. We were not able to pay our property tax for 1 1/2 year. {$1100.00} in XXXX and {$2200.00} in XXXX. I went to Tax Assessor Office so we can defer our payments ( See attachment : Deferral Affidavit ) and was approved. My husband and I planned to pay-off the car ( which is almost done ) first, then we can proceed with the property tax. I received a call from Wells Fargo Mortgage XXXX XXXX, XXXX informing us that WF Mortgage paid our property tax and immediately repay them for {$1000.00} per month that is including our mortgage of $ XXXX ; therefore the {$410.00} goes to the property tax they paid. The {$410.00} will be paid for 24 months as told by WF Mortgage ; this will total to {$9900.00} in 24 months which will inflate to 200 %. I told WF Mortgage that we can not afford it and importantly, we were approved by the Tax Assessor Office of deferral payment. I also informed WF Mortgage that there was no agreement to pay them escrow ( See attachment : Loan Payment Information ). Paying them this amount monthly will cause us to lose our retirement house and will result to severe hardship.

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 2015-03-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a Home Affordable Modification Program ( HAMP ) loan with my loan holder, Wells Fargo. I was informed after submitting my documentation that the process would take thirty days ( 30 ). It took over sixty. I had XXXX conversations with the underwriter and despite these conversations and supporting documents, my income was significantly understated by Wells Fargo and my debts were overstated ; my {$50.00} annual HOA fee was increased to {$97.00} monthly and I had multiple points of contact. As a result I was told I did not qualify and I was not eligible for HAMP1 or 2 Step loan or 40 year term. The process is not transparent and no alternatives were offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have student loans from Navient. I called and had my student loans put into deferment while I was in school. Well I found out that since I was only taking one class they had to be put in forbearance. I called them to have it done. Well it turned out it was not done, I had emails and letters saying that I was past due on a payment and it was reported on my credit report as late. I am still in school and after calling they were finally put in forbearance. However they said they would not take it off my credit report as late because they do not do that, it will stay on there as late.

Company response to consumer: Closed with explanation