BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells fargo bank / mortgages, have deliberatly refused to answer any of my questions about no1 Fraudulent forclosure, no2 no missed paymants, no3 acount in credit {$1000.00} {$5000.00} in escrow, insurance damage check {$2500.00} total {$8500.00} no 4, forced home owners insurance at XXXXtimes amount, no5 altering documants, perjury committed, no 6 house sold to third party then resold within XXXX days $ XXXX more, no XXXX predatory lending stole property, with XXXX % equity over $ XXXX stolen no7,, miss sold pickapaymant mortgage no8 FHA insurance fraud, XXXX cfpb cases to date with wells fargo bank, all these qestions have supreme court and county court orders for compensation, cfpb why are applying zones when wells fargo bank has decieved the consumer, why are you saying people are protected why, i requested your help in XX/XX/XXXX and you did nothing and i lost my home in XXXX XXXX to fraud and you did nothing about it then Now XX/XX/XXXX and more complaints to you all i see is are fineing wells fargo bank, and not passing on any compensation monies you are working for wells fargo you can say you won this and that no money has changed hands. also no 8 croocked judge XXXX XXXX XXXX county court in Cahoots with wells fargo, also atterney for the bank handbook how to fradulently print and copy documants forgerys this bank is sham it should be shutt down

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 2017-03-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a party added to my account without my authorization. The party was added and logged under the banks system in XX/XX/2003 but this was not physically possible. The bank claims that I signed a blank form and that provides authorization. This 3rd party has a bank levy that 's impacting my accounts as well for a debt that I do n't owe. The bank refuses to remove the 3rd party without his signature but added his name without my authorization

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 2022-08-04
Company: FC HoldCo LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
14 days after I payed the vehicle I contacted the company for a title delivery status. Rude customer service said they have 30 days by law. 35 days after I payed off the vehicle I contacted the loan company. Again rude customer service now stating they have 30 days to deliver the title after the processing of the title started which was 16 days ago. 51 days after vehicle was payed off they informed me they mailed the title to the wrong address 25 days after I payed the vehicle off. Customer service said they emailed the title department for a duplicate to be mailed out. I was stopped there no one else I could be transferred to!

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 2022-07-12
Company: EQUIFAX, INC.
State: TX
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 have contacted Equifax XXXX XXXX in regards to the fraudulent reporting of an account with XXXX. I am a victim of identity theft and have supplied proof of my FTC Affidavit along with proof of my identity yet this fraudulent account is still reporting on my credit. Equifax has not removed this information from my credit reports despite me contacting them numerous times and are per the Fair Credit Reporting Act 15 USC 1681c-2a this information was to be removed within 4 days upon receipt of this correspondence. 

My consumer rights have been violated and I intend to now file a lawsuit with federal courts if this is not immediately rectified. 

Please see attached certified correspondence with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: FL
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:
Original case from 2019 is XXXX I am not making any progress with this bank and its still on my credit report. 

This is a nightmare, and this bank is putting the burdon on me for a mustake they made. 

In a nutshell, XXXX XXXX XXXX XXXX pulled an inquiry on my report though I did not authorize it nor request any lines of credit with them. This was on XX/XX/2019. It was apparanetly fraud and they were supposed to congact the credit reporting agency to get it removed. 

After mulitple calls, they said thry would remove and here we are 7 months later and I am still waiting and noone is replying to me anymore. 

Please help me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Attorneys representing Seterus, XXXX and XXXX XXXX are non compliant with California Civil procedure in timely filing and noticing me the homeowner/borrower of latest motions to strike and demurrer. 

the latest filings are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by Capital One. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called Capital One and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. CapitalOne refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from CapitalOne in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written Capital One in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In order to afford buying my home 10 years ago, I had to take out a XXXX mortgage. At the time, I only qualified for an ARM from XXXX. After the XXXX year, my payment jumped and I was struggling to pay my bills. I did n't want it to continue climbing, so I talked to my bank, Wells Fargo, about refinancing my loan to a fixed rate. My ARM was above 7 % and I was able to get a fixed rate of 8.39 % from Wells Fargo on a HELOC. At the time this was a positive thing, as I was not in fear of not being able to pay it since it was fixed. Then in 2008, the market in the DC metro area collapsed and my home value fell over XXXX from what I paid for it. At the same time mortgage rates dropped, wages were stagnant, and the cost of living increased. 
Since then, my home value has rebounded some, but is still 40K below what I paid for it. I am struggling to pay my bills and because of negative equity in the home, I have been denied at every turn. 
I tried the HARP program with the federal government and did not qualify, I talked to reps at HUD, FHA, Wells Fargo and numerous other financial institutions and I have been unable to obtain a refinance. Recently I reached out to my Congressman and Senators about helping work with Wells Fargo to obtain a refinance or a rate reduction. Recently, Wells Fargo denied my inquiry and had me apply for a refinance, which they denied due to negative equity in the home. 
I am a car accident, replacing my non-functioning AC system, or a broken aging appliance away from not being able to pay Wells Fargo what I owe them monthly. I am current on my payments, have good credit, and want to pay my obligation, but if " life '' happens in any way, I will fall behind and not be able to pay. 
I have run out of options and need this rate reduced or a refinance or I risk default on my loan and foreclosure. Even in foreclosure, I would be at risk of a lawsuit because Wells Fargo would likely not get anything due to the negative equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Charge for {$61.00} to XXXX  was cancelled and never made - on XX/XX/2020 - spoke with Bank of America and they insist on holding authorization until XXXX  initiates refund. 
XXXX  said charge was NEVER made and Bank of America is in error and should release my funds. XXXX  even gave me a reference number ( XXXX ) for Bank of Americas use.

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 2016-09-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi I decide to write this letter because recently I 've been doing research and is appalled by what I discovered. The more I read on about the SCAM that Wells Fargo and American Services Company is responsible for pulling off its amazing how a XXXX dollar company is allowed to take advantage of the citizens of this country. 

The problem started when I had trouble paying my mortgage that I had with Wells Fargo. I had family problems which caused me to fall in default on my loan. My monthly payments at that time were about {$1800.00}. After speaking with Wells Fargo the solution I chose was to refinance the mortgage with a company called American Services Company. My new payment every month will now be about {$2000.00} every month. 

Now this is where the SCAM comes in. American Services Company now told me I did n't have enough money in my escrow so the following month my mortgage payment would be raise to {$3500.00}. ASC and Wells Fargo were well aware of my financial capabilities as well as my financial vulnerabilities. They chose to exploit the vulnerabilities. 

Numerous times I called ASC and tried speaking to customer service reps and every time they told me that there was nothing that can be done. I just refinanced an {$1800.00} a month mortgage to a {$2000.00} mortgage by making a few budget cuts and financial sacrifices. 
Unfortunately the problem still did n't stop there. My mortgage was now {$3500.00}. I was able to get {$3200.00} and sent ASC a check. ASC sent the check back and responded they would n't accept any partial payments and charged me with late fees and interest. The following month it was the same thing. Now if I did n't have {$7000.00} plus the late fees and interest ASC was n't interested in negotiating or accepting any partial payments. So overtime these charges just accumulated. 

This same story happened to citizens all over America. I read before that the attorney general had a settlement with Wells Fargo. Why are they still allowed to foreclose on people 's 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 2016-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion has been historically reporting wrong information on my credit report. I have disputed the bankruptcy listed on my report. They have XXXX chapter XXXX listed on my file which is against the law to file so we know the reporting is incorrect. When I called and told the agent that was impossible to file XXXX bk in a 2 year period and I explained to them it was a chapter XXXX and the time had expired but since it 's reporting incorrectly is been on my records for an extra 2 years. When I explained this to a agent I was told they would investigate but the results were the same which says they did n't investigate the issue well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, i initiated a outgoing wire of {$800.00} from my XXXX XXXX account to fund my brokerage XXXX XXXX XXXX XXXX. Prior to this, i had already successfully completed a wire which was accepted within 2days. So it is completely absurd that a following wire would be halted if the first one went through with no issues. Currently, my wire is being held since its original send date with an expectancy of XX/XX/XXXX ( well over ). The supposed issue is that Wells fargo, the intermediary bank, is requesting additional details, all of which i have provided in the utmost timely matter, only to be strung in circles and given basic company runaround. The issue i believe is the name on my XXXX XXXX account WAS NOT FULLY UPDATED BY XXXX. Meaning, I stepped into a branch give info on current name ( mid XXXX ) and the branch updated one of my accounts for online banking and my statements, however for some reason?!? not my 2nd account which i had sent the wire on. My name is updated for online  banking ( XXXX website ), however my statements reflect my old name which is completely on XXXX. I did not realize this until i had been given This extreme wait for a small wire, completely unacceptable. XXXX has provided wells fargo all of the details which they have asked, however Wells fargo has taken their sweet time in reviewing this ( for possible compliance issues ) and i feel as though I am being treated like a criminal and having to wait 2+ weeks on a small wire for an issue that is completely upon XXXX/Wells Fargo.

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 2015-08-03
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card
Issue: Payoff process

Complaint:
I have a credit card with Wells Fargo. At this time, I have three different promotional balance 's on my account. ( They offered special finance of 0 %, for 15 months XXXX Because they claim to apply extra payments to higher interest amounts XXXX, I mistakenly assumed they would add my extra payments to the promotional balance ending soonest. Having checked my last few statements, I see that is not the case. The majority of the money is being applied to the balances with the furthest out end date. When I contacted Wells Fargo, to inquire as to how I might stop this, so my extra payments will be used as intended, I was told that was not possible. I was told they had no way of applying the excess money to any one balance. When I pointed out that that is what they were doing, only in their favor, not mine, I just kept being told he knew how frustrating that must be! When I asked yet again, how I could have the extra money applied to those balances expiring first, he just kept telling me it was not possible. 
At this time, I have no interest charging amounts on this account, only these XXXX special finance balances, which are accruing no interest. I assume that is how they can get around applying the extra money to those amounts expiring the furthest out, but it still does n't seem right, because this will cause me to have to pay interest on these amounts, as they expire. If the extra money was being applied to those expiring first, each amount would be paid off before it expired, which was my intention. 
I would like to know if this is legal, and if so, why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: SECURITY FINANCE CORP
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The loan company called my mother, stepfather and sister on numerous occasions discussing my personal and financial information. 

Additionally, this loan company discussed with my family members their intent to go to court, garnish my check and make harrassing phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I bought a XX/XX/XXXX XXXX that is financed through XXXX XXXX in XX/XX/XXXX. Up until todays date, XX/XX/XXXX, Ive had my credit ran by XXXX XXXX XXXX for tv and internet services and for XXXX XXXX loan  services. So that is a total of 3 different I quires to my credit from XX/XX/XXXX up until present time. As Ive been keeping an eye on my credit the past 3 months getting ready to purchase a home I notice a total of 87 hard hit inquiries on my report that I did not authorize. Ive disputed this information with equifax twice and was guaranteed it would all be fixed, but each dispute they refuse to correct the inquiries. Also, I have an XXXX filed against me that was done in error which I have the documents from magistrate court showing it was dismissed but its still showing on my rental history background. Please help me so that I can purchase a home for myself and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Monterey Collections sent me a bill from 2009 from a company called XXXX XXXX that went out of business and or went bankrupt. Several years ago I turned them in for harassment and illegal collection practices. I sent them a letter many years ago with a do not contact. They have now contacted me per mail to tell me to pay up to a company that does not exist and out of there statue of limitations per CA Penal Code 1748.10. The only way I knew of this matter was when I was cleaning up my credit report. They will list it as new to start the process all over again which is against the Federal Law. Several other companies do this as well. Including the County of XXXX XXXX who refuse to comply with any and all laws on paid off bills and judgements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a home loan with caliber, they offered a refinance to a better rate for a 20 year loan with with a rate of 3.75 % and a total closing cost of XXXX. This was started in XXXX, documents were signed then no communication until XXXX when I got new paperwork showing my loan went up to 4 % with closing cost of over XXXX. multiple attempts of communication with the company with no response. today I finally spoke with someone who said it was human error and he can not honor the original documents as it was to much of a loss of the company, all of this after i have paid the XXXX in appraisal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage sent inaccurate information about my payment history to the credit reporting agencies. Wells Fargo stated that i was late with my payment in XXXX of 2013. 
In fact, this information is inaccurate and misleading because I was never late with my payments and I always was sending my payments before due date. There is no shred of evidence to support Wells Fargo Home Mortgage report that my payment was received late. The WFHM reporting is not accurate and in violation of the Fair Credit Reporting Act. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: JPMORGAN CHASE & CO.
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:
I noticed there 's a name XXXX, XXXX, XXXX on my Credit card report is incorrect. I do n't used that name. Also I did not open, the XXXX Chase credit card back in 2005. How do I fix this problem? My Email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation