BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Late fee

Complaint:
I have received my credit card statement and my due date fell on the weekend. One was XXXX/XXXX/XXXX and the other was XXXX/XXXX/XXXX. In each case my payment was made on the first business day following the weekend. I was charged a late fee by Wells Fargo Financial. My understanding was that if the due date fell on a non business day, the payment will be due the next business day. Is this correct?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: Aspen Yo LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX - Gregory Funding, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX - they also have an address of XXXX XXXX XXXX, XXXX, XXXX XXXX My real estate taxes are escrow-ed and are due on XX/XX/XXXX of each year. According to the XXXX XXXX XXXX XXXX in the XXXX XXXX  XXXX my real estate taxes have not been paid and are accumulating interest. I have tried since XX/XX/XXXX to get thru to their customer service line and can not get thru, they keep giving a ridiculous number of people ahead of me. Today when I called again I was number XXXX in line to speak to an agent. I have written to them, faxed them, uploaded a letter to my account and have received no response. If they have paid my taxes they need to address this with the XXXX XXXX XXXXXXXX. If they have not paid them, they need to be paid immediately and include the interest payment which brings my tax balance, as of today, to {$2400.00} and growing. I believe that interest is assessed monthly. I have never before had a problem getting thru to this company and am concerned. I would appreciate your assistance in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: SUN LOAN COMPANY INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had a loans with Sun Loans in XXXX NM and only authorized them to pull my credit report once when I applied for my loan. Today I reviewed notification they pulled my credit report without my express approval as I did not apply for a loan today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is reference the Wells Fargo Scandal of XX/XX/XXXX On XX/XX/XXXX my Wells Fargo branch asked me to come in to open XXXX new accounts due to a security breach on my existing accounts. They advised me that the source of the breach was confidential. XXXX new accounts were opened and resulted in bank routing numbers not recognized by my creditors when I issued checks. Those checks were returned as insufficient funds and my credit report and my credit score were financially damaged over a XXXX year period. My local Wells Fargo Branch officers were incentivized to create new accounts at my expense. I was advised to submit my complaint /dispute with the XXXX XXXX XXXX XXXX on XX/XX/XXXX and I submitted a XXXX Form with XXXX ( XXXX ) supporting documents requesting {$50000.00} in financial credit damages over a XXXX year period. On XX/XX/XXXX A Telephonic Mediation Conference Session was conducted between Wells Fargo, The XXXX and myself for a XXXX and XXXX half hour session. My XXXX is : XXXX. While a settlement resolution was reached a serious XXXX of justice occurred where I had no choice but to settle for a {$1000.00}. This was agreed upon my all XXXX parties on XXXX. Since that date no payment has been made my Wells Fargo and after several attempts to reach Wells Fargo through the XXXX they failed to reply or make payment. I have a condensed account of all of the above dated XXXX that was emailed to you at : XXXX. I will attach that document again for your information. Naturally, after XXXX months I have extensive records of my entire complaint/dispute with the XXXX & Wells Fargo on file. As a XXXX at age XXXX I am convinced I have been victimized by Wells Fargo and I am respectfully requesting the CFPB to review and investigate my complaint. Please advise my next step with the CFPB. 

Sincerely, XXXX XXXX XXXX, NV XXXX Email : XXXX Telephone : 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 monetary relief
Consumer complaint received 2016-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Trans Union is misreporting my XXXX account. It was charged off in XXXX however, XXXX is reporting 120 days late to Trans Union as recent as XXXX XXXX. Please get XXXX and Trans Union to correct this item right away as it is destroying my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
My lease is almost over and I am purchasing my vehicle with financing from a credit union. Honda Financial Services has been impossible to reach to help with this necessary documentation. I have called XXXX times over the past week and been hung up on. I have spent over 4 hours on hold. There is no option to reach this company via email, chat, or message. This is delaying my loan processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan # XXXX XX/XX/XXXX, Well Fargo gave XXXX loan under my information. XX/XX/XXXX I did not have a job or file Tax Returns. Yet with False documents Montgages were taken out in my name. One of the property was foreclosed already and the other one is coming up for foreclosure on XX/XX/XXXX. I have never been to california nor have I ever lived in california I have made several attemps to resolve this issue but can not get it resolve. I have never sign any documents nor visited any title company. I will like for this matter to be resolve. 
My Phone number is 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 2022-05-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian is breaking federal laws but reporting things that shouldn't be reported on my consumer 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 2017-01-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, I had paid off a Federal Stafford loan made through Wells Fargo. I lived " debt-free '' and without using any credit for the next few years. Upon moving to a new state and renting a new apartment, I recieved a credit report claiming that I still had {$140.00} outstanding debt against the loan. Surprised, I contacted Wells Fargo who were n't willing to give me any information about the loan, debt, or payments. 

Later that month, XXXX XXXX XXXX contacted my family ( NOT ME! ) concerning the " outstanding debt ''. I contacted them, asking why no one had made any collection attempts in the last 4 years so we could address the issue. I have asked them for any information concerning the issue and they have n't yet shown any documentation of attempts to collect from XX/XX/XXXX-XX/XX/XXXX. 

Since I have paid the debt already, I am currently in the process of disputing the validity of the debt and complaining that the companies involved did n't make adequate attempts to contact me so that we could have resolved the issue at an earlier date.

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 2015-06-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
RE : DELINQURNT NOTICE ON ACCOUNT NO. XXXX The above subject refers. 
I recently check my credit history and found that on the XXXX of XXXX, 2015, Wels Fargo placed a delinquency notice on my credit report on alleged delinquent account. However, the supposed delinquent account no XXXX was closed by Wels Fargo on the XXXX day of XXXX 2015, upon satisfying the balance of the said loan in the sum of {$300.00} on XXXX XXXX, 2015. Please see copies of my XXXX XXXX XXXX account statement attached as " documents A and B '' as proof thereof. 
A cursory look of my loans ( both personal and student ) repayment history with Wels Fargo would show that I have never for once, late on my payment let alone defaulting. I need not stressed that the unscrupulous action of Wels Fargo has occasioned serious economic and financial harm as my credit score has nose- dive as a result the negative comment placed on my credit report by Wels Fargo . 

I called Wels Fargo and lodged a compliant, I was told to write to Wels Fargo XXXX in XXXX XXXX, NC. I mailed the said letter on XXXX, 2015, but no action has been taken to redress the hardship caused by Wels fargo 's sharp practices. 

Kindly investigate my claim and get Wels Fargo to do the needful. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo agreed to modify our loan if we paid {$29000.00}, via XXXX XXXX XXXX money transfers. We wired the funds, Wells Fargo confirmed receipt of the full {$29000.00}. Then lost XXXX of the transfers and then did not honor the modification. We have been fighting with them since then. We had to file for a new modification loan, they denied because we had XXXX modification already. While we are in review, and appeal of their decision, they filed foreclosured.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle from XXXX XXXX in XXXX. I traded-in my XXXX XXXX XXXX. 
I owed XXXX on the XXXX to NFCU. The vehicle I purchased a XXXX XXXX was sold to me XXXX. XXXX XXXX gave me XXXX for the XXXX leaving XXXX due on the loan. The dealership had me apply for the loan with NFCU. On the Buyers Order the dealer put N/A in the pay off amount. When asked about the N/A the dealership stated that NFCU required it for loan approval. the dealer It then put a XXXX down payment that they never asked for and I never paid. The balance due on the XXXX was XXXX. When I got the check from NFCU it was for XXXX not enough to pay for the XXXX. The dealership demanded that I pay more XXXX more. I did not have it. They said that they would take the kia back and put me in a XXXX XXXX. They said they spoke with NFCU and it was ok. The XXXX was horrible the door would not open the window would not go down and after two months the brake rotors had to be replaced. I do not know how it passed inspection. It failed when I took it for inspection. 
The XXXX was sold for XXXX. The Buyers Order for the XXXX and XXXX have the same date event though months passed between the two events. 
The buyers Order also have the same mileage for both cars. I could not get title to the XXXX and when I submitted the title for the XXXX to NFCU they said that it would not qualify for the loan that they made. NFCU increased my interest rate to 18 percent for an unsecured loan. NFCU also told me that the the XXXX I originally purchased with its loan was not in my name it was in the name of another servicemember and had two different member loans on it. 
How do you lend money on a car you already have a loan on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my mortgage with Franklin American in full on XXXX/XXXX/2015. I have a {$3400.00} escrow balance still with them. It has been 1.5 months and they are still holding my escrow money. When I contact them they say they will mail it but to this point I have received nothing. I am concerned they will keep my {$3400.00}. I am looking for help with getting my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: GA
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:
My update account with XXXX XXXX, account number ending in XXXX has been sent to Experian, XXXX, and XXXX on XX/XX/2022. When i looked at my Experian credit report, they were the only company, to have an inaccurate balance on my report. the balance they have on my report is XXXX dollars when my is actually XXXX dollars.

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 2016-09-09
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo flagged my credit for a late payment without notifying me that there was an outstanding balance on my account. I have multiple accounts with Wells Fargo and my information was up to date. Their " attempt '' to contact me was a quick phone call with no introduction and asking for the wrong person. Not only did they fail to introduce themselves at all ( name or company ), my name is on the account and they got it wrong. I figured it was just another telemarketer, but I found out later it was Wells Fargo! I have had this account for over 15 years with them and they could n't even complete a professional phone call to inform me of an issue with the account. Also, no attempt was made to email me or leave any messages. As soon as I was aware of the overdue amount, it was paid immediately but my credit score still dropped more than XXXX points. It was much easier for them just to cause severe damage to my credit than to make an attempt at customer service. I would not recommend Wells Fargo to anyone.

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 2016-06-14
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This payday loan company says I took out a loan with them. They are stating the amount owed is somewhere around {$800.00}. I do not recall ever taking out a loan with the company they are referring to. I have given them my cell phone number and my desk number at work. They keep harassing me at work contacing the Director of my company getting them involved. I have already received a warning from my Human Resources deptarment reagarding a write up. I do not want them contactin my job anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened a Secured Credit Card at Wells Fargo about 3-4 years ago. At the time, I was simply trying to re-establish my credit after a nasty divorce. A Personal Banker inside one of the local branches advised me to open a Secured Credit Card to help me in re-establishing myself. The Personal Banker explained that my own money would secure the credit card, allowing me to make purchases. He assured me that at some point, as early as 12 months or as late as 18 months, my credit card will become unsecured and my funds released back to me, and at that point I would have a normal credit card with even a possible credit limit increase. I am going on 4 years now I believe and each and every time I ask about my funds being released back to me, I am told that it is still under review. I called this afternoon to ask when I opened this credit card and I was told that they could n't release that information to me and that I would need to find my opening statement and look on there for it. I feel that this is just another bold face lie by Wells Fargo to tie up my {$1000.00} for this secured credit card while they obviously charge me interest on my purchases but I am not receiving any interest on the {$1000.00} that they are holding and refusing to return to me.

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 2016-06-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I rented a car in XXXX, through XXXX XXXX XXXX, XXXX XXXX XXXX, for XXXX days. The vehicle was in terrible condition that it stranded my family in the middle of a XXXX with XXXX persons in the car. I returned the car to the agency after XXXX days of use and they stamped my receipt as XXXX days of use. Wells Fargo bank listened to the merchant and betrayed me, by paying the merchant all XXXX days, although I only used the car XXXX days. They listened to the merchant unjustly and sided with them. My life and my family 's life was placed in danger with this irresponsible merchant and now Wells Fargo 's lack of training of its Customer Service reps, did not look at the facts and lazily did not take into consideration the pictures, letters and docs that I sent them.

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 2015-09-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After defaulting on a home improvement loan from WellsFargo ( WF ), I entered into debt collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was arranged to deduct $ XXXX/month from my checking to pay the XXXX {$5000.00} remainding balance. As of XXXX 2015, I finished paying the debt with a remaining balance of {$210.00}. However, XXXX, for some reason, deducted {$400.00} from me in XXXX and XXXX. 
After discovering the deductions, I called XXXX in late XXXX to ask what was happening. On the initial call, they claimed not to know. On subsequent calls, they noted an error and stated they were in touch with WF and would resolve the issue. At this time, I was still getting " bills '' from WF, stating my balance was at - {$800.00}, indicating to me, the balance was paid and sent to WF. 
Come XX/XX/XXXX I still had not had the issue resolved XXXX. I spoke with managers XXXX XXXX and XXXX XXXX on numerous occasions to be told the issue was being handled and a check would be sent, and to call back early XX/XX/XXXX. 
Come XXXX XXXX, no resolution. At this point, WF sent a new " bill '' saying I owed {$78.00} for lawyer fees and the prior - {$800.00} was gone due to " adjustment payments ''. I contacted WF directly to ask what was happening. WF claimed they were in contact XXXX, and the amount was ACTUALLY {$1200.00} THEY DEDUCTED FROM ME. WF also claimed they sent the money back XXXX. I emailed and called XXXX with this information and got this in return from XXXX XXXX - " I was able to talk to Wells Fargo Bank this afternoon. They asked that you communicate directly with them and for me to direct you to their office. They again gave me XXXX to give to you and they asked that you call them directly. I was also advised that they did not send any money back to our office. I am unsure where that part of the communication is coming from. Unfortunately this is all the information that I have. I hope you are able to speak to someone at Wells Fargo Bank that will be able to help you in regard to this matter. Thank you. " Since that email, sent on XXXX XXXX, I 've mainly been in contact with WF, but they are currently not being too responsive. When I called XXXX XXXX, they claimed they were still checking their accounts for the money and a resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Husband and I received our XXXX Form from Wells Fargo Bank N.A . 
for our mortgage loan # XXXX and the Outstanding Mortgage Principal is off by {$3800.00} ( the principal payments made in XX/XX/2016 ). 
I checked our amortization sheet and the Wells Fargo Statement for the year end amount, in XX/XX/XXXX, which is {$110000.00}, NOT $ XXXX Thank you for helping us to rectify this error. 
XXXX & 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 2015-07-08
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A Debt collector has placed a collections account on my credit report for a debt that was incurred by a deceased relative. I did not cosign on the account nor am I the executor of the deceased estate. The original creditor claims that they have a recording of a telephone conversation with me that gives them the right to do this. However, they will not give me any information. I have two issures with this : 1 ) I question the legality of this practice, and ( 2 ), I am certain that recording any such conversation without my consent IS A FELONY in my state.

Company response to consumer: Closed