BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-09
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I had an issue with Wells Fargo and their ACH Payment system. 
The first payment ACH was set for the minimum payment. But they charged me the full amount. This happened on XXXX/XXXX/16. I called them about it and they fixed it. And the automatic payment was XXXX after-that. However, they made another attempt AGAIN on XXXX/XXXX/16. I called them yet again and they said they fixed it. BUT on XXXX/XXXX/16, they tried again. Therefore, I have XXXX insufficient item. I did not authorize the second and third payment! OTher people are having this problem and Wells- fargo even though I called them XXXX, IT DID NOT GET fixed when they said it did.

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 2015-10-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This account was a vehicle loan and was paid in full not charged off. I was XXXX with the XXXX in XX/XX/XXXX until XX/XX/XXXX my pay was cut in half and was unable to pay this account on time. The account was paid in full before and is not a charged off account. Title was sent to me and the vehicle was then sold.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions comenitycapitalbank/acad {$480.00}

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 explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX, XXXX is when I had received the loan. Legally its suppose to be off my credit in 7 years and its been over 7 years and they wont let me dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Disputed account age and requested that XXXX verify and delete as account is over 7 years old according to my records. Instead, Wells Fargo re-entered the balance and past due amount, status, and re-aged the debt by changing the status date to XXXX. Disputed again with XXXX and attached letter sent to Wells Fargo. I continue to have MANY issues with Wells Fargo and their credit reporting practices no matter how many letters I have sent proving bankruptcy. I am simply asking that the account be removed is over 7 years old -- that was my dispute with XXXX. Wells Fargo 's actions caused my credit score to drop again. Also, this account may only be reported under closed accounts and negative accounts per bankruptcy code/laws.

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 2016-09-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
My name is XXXX XXXX XXXX XXXX. I am writing due to recent actions by the CFPB against Wells Fargo on the issue that their employees were opening accounts without the customers knowledge and authorization. I believe I am a victim in this issue. I believe a Wells Fargo employee opened a Credit Card in my name without my knowledge or authorization back in XXXX. I am a XXXX XXXX XXXX retiree living on a fixed income. I became a new customer of Wells Fargo in XXXX and opened a checking and savings account. I never opened a Credit Card! I became aware of this in XXXX XXXX when my computer was hacked and I was scammed of {$5000.00} from a Credit Card that I never knew existed. As the scam was unraveling, Wells Fargo notified me that the scammers activated a Credit Card ( that I did not even know that I had ) in my name and advanced {$5000.00}. After my inquiry the bank told me that the card was established in XXXX but had never been activated until XXXX XXXX ( not by me but by the scammers ). Why would someone get a Credit Card and never activate it?? Because they did not authorize or even know that they had it! I have made over a dozen complaints over the past year and a half to everyone from the bank ( XXXX or 6 times ) to the FBI, to the XXXX, to the local XXXX Office and the local Sheriff 's Department. I am including a copy of the letter that I sent to XXXX XXXX XXXX and XXXX XXXX XXXX at Wells Fargo. At this time I have $ XXXX delinquent charges from Wells Fargo against me and my credit report. I would like this charge removed and this matter finally resolved. Thank you! 
XXXX XXXX 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 2016-08-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Loan officer ( XXXX ) misinformed me about ability to approve mortgage application causing me to unnecessarily incur an appraisal expense On XXXX/XXXX/XXXX, I had an email conversation with XXXX in order to explicitly confirm that Wells Fargo would be able to consider my wife 's new income in the mortgage application BEFORE the appraisal. XXXX response was that the decision is up to the underwriter and that sometimes they just need an offer letter and other times they need XXXX or XXXX pay stubs. This validated prior phone conversations in which XXXX said he would only need XXXX or XXXX paystubs. I also had a phone conversation with XXXX on XXXX to verbally confirm the pre-approval status of the loan. 

The underwriter later declined the loan due to the fact that he could not verify my wife 's income without 6 months of pay stubs after I had already incurred the appraisal expense. ( This is the reason stated in Adverse Action Notice and emails from XXXX on XXXX & XXXX ) This was the first time a 6-month requirement was mentioned despite my multiple attempts to confirm requirements. This was also extremely frustrating because I did my due diligence to clarify requirements, but I was told incorrect information by the loan officers. 

Furthermore, the appraisal itself had 2 problems : ( 1 ) The purchase agreement was misstated in the appraisal as $ XXXX. Actual agreement is for $ XXXX. It seems as though only the original offer was reviewed, not the final counter offer ( 2 ) Comp # XXXX ( XXXX XXXX ) appears to actually be sold XXXX XXXX. Age is over 12+ months despite the fact that the appraisal notes many other valid comps I have opened 3 cases with Wells Fargo HM Customer Care , and they have refused to discuss the issue further without even addressing the email and phone conversations containing misinformation. They wo n't even confirm if they have reviewed this evidence, nor will they comment on the mistakes on the appraisal. 

I have found many complaints online regarding this practice of prematurely ordering appraisals before stip requirements are clear to customer. I am concerned that Wells Fargo is profiting

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 2017-04-26
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the    XXXX   XXXX   XXXX    I was erroneously charged {$83.00} for co-insurance by the hospital I work for related to services provided in   XXXX   XXXX   XXXX   XXXX   XXXX  . Hospital policy is not to collect co-insurance from employees and family members covered under the employed individuals benefits plan. I did explain this in writing in a notification sent back to the hospital billing department.   In   XXXX   XXXX  , I received a notice of debt collection from  XXXX   XXXX   XXXX . I sent a written notice on   XXXX   XXXX   XXXX   demanding immediate cessation of attempts to collect this erroneous debt.   On   XXXX   XXXX   XXXX   I received another letter seeking to collect this debt with the addition of accrued interest making the total {$85.00}.   I have sent another notice to the company as of today,   XXXX   XXXX   XXXX   demanding immediate cessation of attempts to collect this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Sent letter on XXXX XXXX XXXX XXXX for account XXXX that has inaccuracies and shows that I owe {$4500.00} to XXXX and TransUnion.

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 2016-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX/XXXX/2016 Complaint Department Wells Fargo Home Mortgage Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item CREDITOR SETTLED on XXXX, is inaccurate because it shows a date of XXXX where it was a closed case in XXXX. I am requesting that the item be removed to correct the information as a short-sale not a foreclosure that was settled on XXXX. 
Enclosed are copies of enclosed documentation, supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 
This information is also simultaneously being filed a complaint with XXXX. 
XXXX Sincerely, Your name

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 2017-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and I had my mortgage thru Select Portfolio Servicing. My XXXX unexpectedly passed away XXXX years ago and it has been a struggle to pay my mortgage ever since. I contacted Select to discuss a XXXX XXXX Pay. I was advised that this was an option and I needed to write a handwritten letter, provide proof of funds and make an official offer to payoff my mortgage. I owed approximately {$160000.00} at the time. My first offer was {$120000.00} and I was advised to make another offer. We asked Select to advise what amount we should consider, however they would not. I offered {$120000.00} and this was rejected. Select was contacted again and we were going to make an offer of {$140000.00}, however I was advised that since my home appraised for {$210000.00} and I owed only {$160000.00} XXXX approximately ) that a the full amount is all that would be accepted. Select recorded all phone conversations discussing this mortgage. I paid off the full amount after being advised this. This process took several month all along Select was collecting approximately {$1300.00} per month in interest on my mortgage. I have limited funds and am trying to pay off all my debts accumulated since the loss of my XXXX. I feel this practice was deceptive as if there was no intention of taking less than the full amount owed that should have been advised immediately saving me months of interest. We originally borrowed approximately {$210000.00} in XXXX and have payed XXXX XXXX interest the entire time. After paying off this mortgage I have given select over approximately {$600000.00} on a {$210000.00} loan. During this entire process they have not assist, modify or work with me any way whatsoever on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I had a checking account that was set up to auto pay a mortgage I was on with my ex-wife. We divorced and she was deeded the home. At that time ( XX/XX/2015 ), I canceled the auto-draft and my ex-wife opened a new account and set up the mortgage payment from that account. They continued to pull from my account so I closed the account and opened a new one. I noticed the payment was still coming out last month and after further research discovered it has been coming out for 1 year for a total of {$4900.00}. They have continued to pull the payment from my ex-wife 's account as well for a double loan payment monthly. All of these accounts are with Wells Fargo including the mortgage. I have spent countless hours on the phone only to be told today that they are unable to help me in any way. I never signed an authorization to have the payment pulled and even opened a new account to ensure the payment would not continue to come out of my account. The only way they would have been able to pull the money ( since my name is still on the mortgage ) is by right to offset, however the mortgage has never been past due to warrant the debiting of my account. They are saying there is nothing they can do and I will lose the {$4900.00}.

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 explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I spoke  with two repre sentatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the la st five years, b ut nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  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 2016-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A co-worker wanted me to co sign for a loan so we went in to Wells Fargo where we both bank, my co-worker had already spoke with a personal banker which explained to him the whole process. That day she asked us for all the requirements, I told the banker I was in a hurry and my time was limited. So I told her let me now when I can leave, I 'll sign what I need to and my co-worker can finish the process. While we waited for the loan approval she asked if I was interested in a credit card she did n't explain much all she said is that it was 15 months 0 interest, so I told her again that I had an appointment that maybe another day she can give me all the details about the credit card. after that we did n't discuss anything about the credit card. Once approved for the loan she handed each of us a copy of what we had signed for the personal loan, I went on my way and my co-worker stayed to receive the loan. About a week after I received in the mail XXXX credit cards XXXX for my co-worker and XXXX for me, I was shocked to when I opened the envelope. I looked for the copies that the banker had gave me but nothing showed that I had signed for a credit card. I waited about XXXX weeks, never activated the credit cards went in to the same bank to explain what had happened. Once the banker went over the credit card details I told her I would keep it only if I could remove my co-worker from the credit card and still keep the 15 moths 0 interest. She made some calls to see what she could do, she said that in order for me to keep the credit card I had to close the account and re-apply on my own. Even though I had not even applied for it to begin with. that would require running my credit again. She promised to give me 15 months 0 interest she even put notes on her computer stating that she had called credit services and they would honor my request. 
well that was not true, when I activated my new card I called to verify the interest. They ran my credit for nothing, it was just a waste of my time, I went in to the bank a few times to solve that. A banker told me I would get a response within 10 days its been about 20 days I 've never received a call regarding that incident. I want my credit restored and the can keep their credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is the XXXX time I am filing a complaint against Wells Fargo Home Mortgage in regards of the XXXX late status on my credit report from XXXX/XXXX 2012. I have submitted countless documentation verifying the payment was made on time and they refuse to acknowledge it and continue to report that the payments was late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage through a broker and Wells Fargo bought the new loan XXXX XXXX, 2012. I escrowed the taxes and insurance to be included in my loan and be paid annually. I had no problem at first, but every year now they send me an escrow refund and immediately raise my loan payment. I have never experienced this with any other of my mortgages. Why do they do this? I always call and ask how I can pay down the demanded new escrow payment to keep my monthly mortgage payment the same. I send them a check for the specified amount thinking there will be no further problems. Then, months later I again get a refund escrow check and they again raise my monthly payment. How can I avoid this constant problem? I am a senior citizen with an excellent credit rating and always pay all of my bills on time and frequently include an extra amount. The first few years I added extra money toward the escrow but this did not help. Now I add extra money to the principal. Is their practice of changing my escrow at least twice a year legal? When they set up my account why did they not set up the escrow account correctly to always be able to pay the annual taxes and insurance without raising my monthly payment after sending me a refund due to overage?. My insurance and taxes annually remain about the same. I do not understand whey they send me a refund because I have overpaid and then raise my monthly payment to cover these expenses. Please advise. I have complained to representatives of the the Wells Fargo Mortgage Department that manages my loan every time I get these refunds and have to then replace them by a higher monthly payment and they continue the practice anyway. Thank you for your consideration.

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 2015-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
At the direction of HAMP solution center at treasure department, I sent modification request to my lander on XXXX XXXX, 2015. Today is XXXX XXXX, 2015. No one has bothered to contact me regarding my request. I have tried to reach out to them and they been told that they have gotten the paperwork and someone would be in touch. Nothing ever happens. ON the other hand, i just got a letter from Trustee, XXXX, that the wells fargo has hired them to conduct foreclosure sale. This double tracking is direct violation of California homeowner 's bill of right. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Recently noticed a debt collection record from ERC ( Enhanced Recovery Corporation ) for XXXX account stated as opened on XX/XX/XXXX. I was not residing in US from XX/XX/XXXX to XX/XX/XXXX. Also I did not got any letter later for account opened in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief