BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Dillard 's Wells Fargo, closed my account and reported to credit bureau closed unpaid. This is after I paid the account in full and communicated to them I was paying off by XX/XX/XXXX, which I was told this would be okay if not paid /payment caught up in 30 days they would close. I paid in 10 days in full. Now let me add they closed with no written warning either, with grace period of snail mail. Today XXXX. I received in the mail two letters and statement. Statement states not paid, 1st letter dated XX/XX/XXXX account is closed, letter XX/XX/XXXX if not paid by XX/XX/XXXX. account would be closed. The last letter is what was verbally communicated to me. So they do n't know what they are doing and did the opposite of what they told me. Also I paid it off and tried to use it last week to find out they closed it when I called to find out why this rude lady states to me you were delinquent and we closed it, anything else. I said why did you tell me I had until XX/XX/XXXX and closed it without notification and on the same day I paid you in full. She said I told you you were delinquent, I said why was I not notified, she said letter went to you same day we closed it. I said so no grace period, she said the letter was mailed. I hung up. This is poor business and its fraud. You are required by law to notify me of changes and give me 39 day warning

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been banking with Wells Fargo Bank for almost 2 years now and they have always charged me with insane fees. When I make a purchase, the funds get taken our of my available balance but their system manipulates it to where it goes back to your available balance and at a later date they take it out making it look like you made the purchase with no sufficient funds. It is designed to make you overdraft your account and so they can charge you {$35.00} NSF for a {$4.00} transaction. I have receipts of when I made the purchases that caused me XXXX charges of {$35.00} and I should't have been. I called their customer service and they wanted to just tell me how the system works instead of helping me out so I do n't have to make the complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
XXXX XXXX XXXX Bank, Maryland ... 

CASHNET Payday loan keeps deducting more then XXXX payment from my bank account!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
This is the third complaint that I have submitted to Comsumer Dinancial protection Bureau for the last 2 weeks and I keep receiving responses that you are unable find this company. NetCredit I need to make managable payments I had an unexpectes emergency and they are taking all of my biweekly pay the company will not work with me.This company is NC Financial Solutions XXXX dba NetCredit regulated by Utah XXXX XXXX XXXX XXXX XXXX this loan isat 98.9 % interest

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Sold our Mortgage to XXXX when we were in default, Wells fargo never gave us a servicing transfer notice, we found out that our mortgage was sold when we began receiving letter from lawyer telling us our home was up for foreclosure, well fargo never tried to help us save our home, when we called wells fargo they said that we need to contact XXXX they no longer have our loan. this have been a five year process, where we have been trying modifications through lawyer, stopping sheriff sales, and they never event tolds us we can file bankruptcy or anything, not we received a writ of possession for our home from XXXX XXXX XXXX XXXX XXXX, but they are not the note holder no longer, XXXX XXXX XXXX Sold our home back to Wells Fargo XXXX/XXXX/2012, and I do n't know how when we had the sheriff sale postponed, I believe that my husband was under a predatory loan, he was only making XXXX, I talked to someone from Wells Fargo recently and they said our loan is in active foreclosure, but they are the XXXX, how can XXXX XXXX XXXX be requesting a writ of possession? and they are not the note holder, unbelievable, they did not give us a chance the mortgage company is not out here to help us Wells Fargo or XXXX XXXX XXXX, our mortgage have been shifted around, for profit on both sides, I have just been butting money out for nothing to lawyers trying to save the home and the lawyers already new we had no changce, I would of filed bankruptcy a long time ago before we got to the point of losing our home ... .we need help and answers, as of now we are still in the house, but do n't know how long we got can someone help us ... XXXX XXXX was a servicer of Wells Fargo , but they do not have the note to the home, how can they get a writ of possession? when they sold the house back to Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I filed for bankruptcy, in XXXX I successfully renegotiated my mortgage so to not lose my house. The renegotiated mortgage after a seven year period reverted to the original terms. Taking my interest rate to 6.5 % on my first and 5.14 % on my second, effectively almost doubling my mortgage payments. I have contacted Wells Fargo on a number of occasions to try and do something about the interest rate and payments and am continually told I do not qualify for any program. I have now used up any and all savings making these payments, I submitted all the documentation I thought WF needed because they say due to the bankruptcy they can not request anything from me and again am told I do not qualify for any program and they refuse to tell me why

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Case number : XXXX Please be advised that this complaint has not been resolved. You have a history of the course of events surrounding my experience with Well Fargo, who established an escrow account because Wells Fargo violated my payment agreement with the XXXX Taxing Office and the XXXX Water board by paying my bill and establishing an escrow account and adding over $ XXXX/month to my mortgage payment.. Well many months have passed and finally, after I paid off the escrow and actually paid too much, a refund was due to me in the amount of {$920.00} as confirmed by XXXX XXXX in correspondence dated XXXX/XXXX/16. After several calls to XXXX XXXX, many of which were never returned, I have learned from her today, XXXX/XXXX/16 that the funds due me, {$920.00}, have in fact been sitting in a closed escrow account for almost XXXX months and should have been refunded to me almost two months ago. NO ONE followed up on my refund nor to XXXX XXXX, after closing the case, follow-up with the escrow department to ensure the refund to me was processed. XXXX XXXX promised to look into this after our conversation today and open another case to investigate as to why the funds were not sent to me. I find this to be deplorable business practices and wonder how XXXX XXXX can continue operate in such an irresponsible manner with no repercussions. Should n't I at least get interest on the funds held?

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 2015-07-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
Twice in the last 30 days I have submitted money to my Wellsfargo Visa credit card account and XXXX the funds were not applied to my account for approximately four days. They are claiming this is there payment policy " payment float '' Is this legal? It is my understanding that technology makes these funds available immediately. Wellsfargo is claiming it is because I am paying the bill from an account not held with Wellsfargo. This is not an attempt to ensure the payments are good this is an attempt to force people to open bank accounts with Wellsfargo. 
It should be noted the funds are being removed from my checking account held with XXXXBank almost immediately yet Wellsfargo is claiming they are not able to apply the funds for a minimum of four days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: GREAT LAKES
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a student loan through Great Lakes. The original loan amount was {$60000.00}. I 've made {$23000.00}. in payments. The remaining balance on the loan is {$75000.00}. When I make a {$260.00}. payment they only credit me with {$15.00} toward my principal. This has to be a fraudulent loan. Where can I get help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion will not allow me to disputer online disputes and failed to provide me with a credit report.

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 2021-01-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$12000.00}, {$1900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not 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 2016-02-10
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hello I found an open collection account listed on a recent Credit Report which i obtained using XXXX and XXXX XXXX. I attempted to research the company, Enhanced Recovery ( ERC ) using XXXX. I found that this company does not have a website, which raised my eyebrows about the legitimacy of this collection. I called the original creditor ( XXXX XXXX XXXX ) to find out more. XXXX XXXX has NO RECORD of my name or social security number in their system. They told me to try to find a number for the Collection agency so I called the number on my report. The person who spoke with me did not inform me that I could dispute this debt, that I had any right what so ever to challenge the facts of the debt. I asked for him to send me a letter to verify the facts of the debt. They ended up sending me a " summary of the payment agreement. '' I can assure you I did not agree to pay them anything, especially when I had no information about why they had this debt and did not share with me my rights. Then they somehow assumed I had agreed to pay them in full without those words ever coming from my mouth. 
I Believe this is deceptive and illegal and furthermore, an immoral practice, especially coming from a company that is doing its best to hide their identity by not having a website or any contact information readily available to the public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: RoundPoint Mortgage Servicing LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The amount charged for " escrow '' on my monthly bill is more than what the monthly tax and insurance amounts would be. There is no escrow shortage showing. This was happening with the previous servicer ( XXXX XXXX ) and when Roundpoint took over, they continued with the over charging. I have called about this and nobody can explain why the escrow should be {$260.00} yet my statements show {$290.00}. Nor can anyone explain where the money has been applied. No escrow analysis has been completed to give a breakdown. I have requested escrow be removed, however, I still want to know where the monies taken have gone. In the last 2 years I have overpaid between XXXX  per month

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 2016-06-17
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are XXXX items on my credit that I should not been held financially accountable for, which had spent hours on the phone sorting out with both companies : 1 ) XXXX : I had XXXX service for less than 3 days. Although I was told that The service would be good at my residence it was not. I was told that I would not be billed for anything and that my {$50.00} deposit would be returned within 30days. I never got my deposit back and now I have a negative report on my credit due to their error and misrepresentation of services. 
2 ) I have a Prior Authorization on file for my XXXX with my insurance company, XXXX. XXXX XXXX XXXX did not submit their claim in time and tried to hold me financially accountable for the bill. During a XXXX call with a representative from XXXX a manager XXXX. The manager XXXX clearly stated that they could not legally hold me financially accountable due to the agreement on the Prior Authorization that they failed to meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I wired Wells Fargo a large sum of money to attempt to payoff a reverse mortgage on my father 's estate on XXXX/XXXX/XXXX. My bank, XXXX XXXX XXXX charged me the service fee of {$30.00} and the money hit the Wells Fargo account on XXXX/XXXX/XXXX. I left off the reference number of the reverse mortgage in the body of the wire so Wells Fargo did not initially accept it ( See case number complaint XXXX ) and the money was wired back. I wired the money back to Wells Fargo and it was accepted. My complaint that I referenced in the dispute of the case number above is that when the funds were returned, the amount was short {$45.00}. I checked with XXXX XXXX XXXX and they did not withhold any kind of fee for the return of the money. I need to account for the missing {$45.00} because these are estate funds and other heirs are involved. The contact at Wells Fargo that handled the old complaint told me all the money was wired back but clearly the entire amount did not hit 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 2021-08-04
Company: EQUIFAX, INC.
State: MI
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 court documentation signed by a judge in the state of Michigan for over 2 years now. I have submitted disputes for over 2 years however, the information is never properly updated nor is it removed. 

The legal court document states that the company requested a dismissal in a judgement against me and the courts granted the dismissal. However, the account information is still being negatively reported on my account when I do not owe any money to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
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: Account information incorrect

Complaint:
Over a two week span dating from XX/XX/XXXX to XX/XX/XXXX, I was looking to buy a new car since my old one is due for a severe amount of repairs. I had several hard inquiries into my credit but since the payments offered were so high, I decided to not buy a car.

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 2017-02-28
Company: Alliant Capital Management LLC
State: MN
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I was contacted by Alliant Capital Management of a loan client I was told that I received a loan in amount of {$800.00} to a checking account. I do not remember signing up for this loan. 

They gave me last XXXX acct number of the checking account used and I do not own any of those accounts. Contact bank and they said I have never owned said account since being there since 2012. 

They claim that payment was taken out of said account for a couple of months and then stopped. 

They claim a email that was used is an email I own. 

Both people I spoke to were rude and yelling and totally out of control. 

Their client or the creditor has not sent any correspondence to said account mailing address on this issue or anytime after they stopped receiving payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2015 I was approved for the Florida Hardest Hit Program where that program paid my mortgage payments for 12 months due to my hardship. I also was approved for the amount of {$18000.00} that would have went toward a portion of my amount to reinstate my mortgage but my Servicer refused those funds because it was not the total amount to reinstate. I recently completed my participation with the Hardest Hit Program and due to a decrease in my income I went to a HUD approved HUD Counseling agency to applying for a loan modification and the servicer has informed me that due to my mortgage being 3 years in arrears and a new rule set forth by CFPB they can not open a file for me to be considered for a retention option. I feel this is an unfair ruling based on if my servicer would have taken the {$18000.00} I was approved for by the HHF Program that would decreased the amount of delinquency and would have helped me in my attempt to save my home form foreclosure. I recently have increased my income and I am seeking a favorable solution to save my home.

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 2023-03-31
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am behind one payment and another one will be due XX/XX/XXXX. 

I contacted them in XXXX to see if I could put XXXX payment to end of loan. No I cant. 

I got a letter saying I have to bring account current by XX/XX/XXXX or some date. 

I spoke with someone on Monday or Tuesday the week of XX/XX/XXXX, she was not pleasant and said I had to make payment before they could discuss with me. 

My hardship is I had a XXXX! I had no health insurance and my meds to keep me alive was expensive. 

I will be collecting Medicare XX/XX/XXXX so if that one payment could go to end of loan, I will be able to keep them up. 

And what is that {$20.00} corporate fee?

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