BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card
Issue: Other

Complaint:
I was billed a late fee and subsequently charged XXXX the minimum monthly payment for XXXX XXXX billing period. The payment in the amount of {$35.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Dillard 's Credit card, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX as well as XXXX ( Supervisor of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised me that they would remove the late fee but as a XXXX courtesy but the double payment of {$79.00} is still due. I asked for her manager and XXXX refused stating she would not transfer the call further. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office was located in XXXX XXXX XXXX, Iowa. Both XXXX and XXXX were very rude and condescending and basically stated that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Bread Financial Holdings, Inc.
State: DE
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello. 
In XXXX of 2015 my business checking account was hacked while I was on a business trip in New York. Someone tried to withdraw money in the amount of {$1000.00} and then {$500.00} from my account. I contacted Wells Fargo about this so they issued me a new debit card and checking account number. After this incident, on XXXX separate occasions my checking account was locked and I was unable to access my account online. Each time I had to call Wells Fargo 's customer service to have my account unlocked so that I could access it and view my account online. This occurred again earlier this year and again I had to call Wells Fargo 's customer service to have my account unlocked. 
I was told that the account was locked/frozen due to suspicious activity. However, no one could explain to me why this was happening and why it was happening so frequently. 

In addition, each time that I called, Wells Fargo representatives pushed getting me into new products. Each person pushed a different product but did not fully explain the costs associated with the products. I was told that opening a particular business savings and checking account that moved money between the XXXX accounts each month would prevent me from having to pay the $ XXXX monthly checking fee. This only lasted a few months and then the {$14.00} fee was being taken out of my account again. When I initially opened my Wells Fargo account in XXXX, the representative who opened my account opened it with the " wrong '' account number which caused some problems. I still have the paperwork from the account was opened with a different account number. 

Since the scandal with Wells Fargo came out last week, I now believe fully that my account was XXXX of the accounts that was affected because of several occassions, {$35.00} fees have hit my account causing checks to not clear and ACH debits not to go through which caused additional fees.

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 2015-03-19
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This company called my Human Resources person at work telling them that I owed them money, and that they wanted to serve me court papers at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently noticed an entry on my credit report from " XXXX XXXX XXXX XXXX ''. On XX/XX/2015, I sent a certified letter requesting validation. I have n't received a valid response. On XX/XX/2015, I sent a letter to TransUnion, disputing this entry. TransUnion " Verified ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
My payroll check was stolen and cashed by a third party at Wells Fargo. The individual who stole the check signed the check over to themselves, forged my signature, and then had another individual with a Wells Fargo account deposit and cash the check into their personal account. Wells Fargo should have never cashed that check since they did not have me present nor seen my identification in order to confirm if the signed over check was fraudulent or not. I have worked for financial institutions and know policies and procedures and Wells Fargo is in violation of not following proper protocol with regards to cashing a check. That was my payroll check that was stolen.

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 2015-08-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I closed my account in XXXX 2014 but chase did n't follow the instructions and never returned my funds and I was made aware of this when my investigator in XXXX provided XXXX XXXX that your account has been hacked and almost XXXX deposited amounts are wired out to unknown recipient. I called chase and reported this and disputed those amounts and then instead of making my funds available to my other creditors they blocked or hide my account and put return request upto 3 month prior payments made available to my other financial institutions making Me look bad and causing Me debit of {$3600.00} but I suppose to get a refund check from chase as vitcm of IDTheft when I closed my account o had XXXX present in the checking account which they had stolen from me and never sent me written letter stating my account had closed. Chase also leaked my account information to XXXX party as per told by my investigation firm and they are invited in massive fraud to make up for their data breaches costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX Bank XXXX is the substitutionary plaintiff in an ongoing foreclosure case in XXXX XXXX XXXX Court of XXXX XXXX, Florida, against me and my wife. 

On XX/XX/XXXX, XXXX XXXX from JPMC prepared a FRAUDULENT Assignment of Mortgage from HUD to XXXX Bank XXXX. XXXX XXXX signed as Power of Attorney for HUD. 

I contacted HUD, XXXX XXXX. and they informed me that since they are an insurance company, they PAID OFF Chase in XX/XX/XXXX and that Chase transferred the loan to XXXX. Yet, XXXX Bank XXXX is trying to foreclose on my property. They have no right to my property and I want to report this as a FEDERAL CRIME - impersonating as an attorney for HUD. Please address this matter IMMEDIATELY, as there may be a court hearing soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: PNC Bank N.A.
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I called the bank who holds my second mortgage/home equity loan, before the payments were to go up from XXXX to XXXX per month. I called on XXXX XXXX, 2015 to modify my loan payment, which they say was to expire on XXXX XXXX. Today, it is XXXX XXXX and they still have not modified my loan. They are asking me to sign documents which they say are original loan papers. After four months of negotiations, and having never missed a payment, I have n't any modification. Why do they threaten me that if I do not sign these loan papers, that they will not give me a loan modification? They also threaten that if I do not sign quickly, I will have to begin applying for a loan modification all over again. I ask them why they threaten me with this every month since XXXX? They do not answer this. I am a victim of bank greed and I need your help. I am also wondering if I am victimized because I am an XXXX. I see that the courts ruled that National City ( my original lender ) was discriminatory to XXXX and XXXX. How about registered XXXX? My payment increased 255 %, and my paycheck did NOT increase that much, but my husband did lose his job and we had to begin all over again. The economic downturn was caused by the banks and I tire of them preying on me, and all Americans, regardless of their culture or race. One more point : PNC was only able to buy NatCity because the US treasury gave them the money. Taxpayers money. Our money. My money. So, should n't I own a piece of PNC? I would be happy to give myself a modification. I am a good tax-paying person, who has never missed a payment. I have been treading water for eight long years now. I do not want to lose my house. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Re the Wells Fargo bogus account issues : I found my name on the " unclaimed money '' list. I had closed accounts at Wells Fargo some time before, and so far as I knew, got all my money. The money I got back through this apparently was from Wells Fargo. They had made no effort to contact me about this money, which should have been easy, since I have not moved. I suspect this was money that had been put in XXXX of the bogus accounts and then declared unclaimed. I suggest that there should be some outreach related to this issue so others who have or have had money at Wells Fargo check these lists in case this was a widespread practice. I think this should be part of your investigation ( or whoever is investigating Wells Fargo ), as I have not seen it mentioned anywhere.

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 2015-12-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo offered {$100.00} for opening an everyday checking account by XXXX XXXX and fulfilling certain requirements ( XXXX debit card purchases or a total of {$500.00} in direct deposits received within 60 days ). Wells Fargo is now telling me I am not eligible for this promotion, saying it ended XXXX XXXX, which is not true. They have since removed the offer from their website, but the offer code was XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
in XXXX of 2010 we purchased a car. in sc you have 45 days before payment is due. however they started in XXXX for XXXX payment even though we put down payment taxes title etc, at the time of purchase we were unaware of any problems and with my spouse having XXXX English from another country there was a time 1 yr later we had gone through a hardship and needed to break payments up. we were told to do so online and put wrong account # down by XXXX number. that " wrong '' account was active and excepted the payments all in full. it took us 2 months to be caught up. while out of town the car was repo. we came home 5 days after car had already been soled in atl ry. our bank tried to let them know with payment history that the funds were accepted on there end and confirmation was sent back to us. however they used the XXXX payment for reason to pick up car. the car was a 745 bmw 4 yrs old and. in perfect condition we owed XXXX left after a XXXX loan. and sold for XXXX at action in atl, within 5 days. our credit is terrible due to wells fargo stating we still owe XXXX with fees and interest. help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been denied a refinance on my primary residence because of a erroneous report to the credit bureaus by Wells Fargo Financial. I originally had my payments set up on automatic payment schedule but was forced to cancel because the payment was due to be withdrawn on the XXXX of each month and they were taking the payments out as early at the XXXX of the month resulting in overdraft charges. My management fees can not be collected until the end of each month and my Social Security check is deposited the XXXX Wednesday of each month. These withdrawals would have been covered on the XXXX of the month., The credit union refused the last withdrawal when I informed them of the issue and I sent them a check as soon as we were sure they were not going to attempt another withdrawal. They added late charges and add'l interest to my account. When I requested that the charges be reversed they refused but suggested I have the balance added to the end of the contract. I responded that ethically they should reverse the charges but if they would not then I agreed to have them add the charges to the end of the contract. After offering to do so they instead left the overdue balance on my statement and continued to add more late charges. After many attempt to resolve the issue I gave up trying and eventually they wrote off the balance. I paid all of the principal payments and interest to the end of the contract but they reported it as a " short pay '' which affects my ability to refinance.

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 2016-02-23
Company: PNC Bank N.A.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a vehicle financed of which i paid a total of 59 payments on a 60 payment loan as of XXXX/XXXX/15. The financial institution was trying to charge me an additional XXXX in interest which i had made multiple requests and sent multiple overnight letter to try and discuss due to this should not be due and it has gone un responded. I have since made the 60th payment on my loan and still they do not respond and will not try and help. We did take extensions on the loan due to family illness and job issue during the 5 years which is way our maturity date was moved to XX/XX/2015 but all payments have since been made our original maturity date was to be XX/XX/2015. Any help to gain a response and to help fix my wife 's credit for the last few months would be great. Each time i have spoken to a representative they advised to hold the payment until the issue is taken care of and it never was and they in turn reported negatively on her credit.

Company response to consumer: Closed
Consumer complaint received 2015-05-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX we purchased a single-family home in XXXX Texas with an FHA insured mortgage from XXXX Mortgage. In XX/XX/XXXX to XX/XX/XXXX we were apprised that XXXX had sold the mortgage to Wells Fargo Home Mortgage. Earlier this year we were able to qualify for a lower cost uninsured mortgage, again sourced through XXXX Mortgage. The XXXX mortgage in XX/XX/XXXX required that we escrow the XXXX year of property tax and insurance, and escrow XXXX of the XXXX year 's property tax and insurance obligation each month. In XX/XX/XXXX when we procured the new lower cost mortgage, we should have received all of our Escrow Monies back from Wells Fargo. Wells Fargo did not return all of the escrow monies. 

Wells Fargo in phone calls say " you escrowed {$5900.00} when you closed on the purchase, so we based our return on that number ; however, by the time Wells Fargo purchased the mortgage we had increased the escrow by another at least $ XXXXIn fact, the Wells Fargo escrow statement shows that when they took over the mortgage in XX/XX/XXXX, the escrow was {$7100.00}. 
Despite their acknowledgement of this discrepancy they have NOT return the monies that are not their property. 
On a recent flight to XXXX I sat beside a former Wells Fargo employee who said Wells Fargo will try to keep some of the escrow money and the only way to get it back is to file a complaint with your bureau. 

Please help. 

Kind regards, XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My issue is that there are no regulations for how electronic checks should be processed. We used to have a checking account with XXXX and when we would make electronic payments through our bank checking account money would be debited on the date that the payment was being made XXXX if it was electronic XXXX or XXXX days prior ( if a physical check was being mailed ). All that sounds reasonable. When XXXX was purchased by Wells Fargo they changed the terms so that electronic payments were debited several days earlier ( 3 days ) and physical checks were debited XXXX days before they were to have been received. We complained to Wells Fargo as it was outrageous : They were taking money out of my account early and then earning interest on it for a few days before they sent it off. I might be willing to give them a little bit of slack if it was only for physical checks, but it makes no sense for electronic payments to be debited days before Wells Fargo was actually paying the bill. We switched our checking account to XXXX. They do n't do this. At least not right now. This behavior should be regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: AmerAssist A/R Solutions, Inc.
State: GA
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 was incorrectly reported by XXXX XXXX XXXX in XXXX GA in the name of my daughter for unpaid rent. She had been taken off the lease by the apartment complex and the debt was not hers. She received repeated calls from XXXX at Amerassist AR Solutions. I finally had to get involved to fix the problem. The apartment complex is having the error corrected and several people at Amerassist are aware that it is an incorrect debt. I received another call this morning from XXXX at Amerassist. He refused to listen to anything that I had to say even though I told him I had been in contact with his supervisor to have the situation corrected. He told me it was my daughter 's debt and it would negatively effect her credit. I tried to explain the situation to him several times and he was extremely rude and unprofessional. I myself worked in the credit industry for 10 years as a manager and would not have my employees act this way to a debtor. If this is the way they encourage their collection agents to behave then there is a problem. Thank you.

Company response to consumer: Closed
Consumer complaint received 2016-12-14
Company: WELLS FARGO & COMPANY
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo is still sending me letters saying my account with them is still open, even after agreeing to close it when they heard from your agency in XXXX. Their current letter, dated XXXX XXXX, 2016, says they need a social security number to close it, which I will not send. Their representative assured us weeks ago that this was taken care of. We did not open a line of credit with them, nor have we ever had any sort of account with them whatsoever.

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 2016-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am being reviewed for a modification. The amount of information they need and the time frame that they are giving me to get it completed is not acceptable. I previously filed a CFPB complaint and was told my foreclosure date was moved to XXXX/XXXX/2016 However I need more time to get my tax documents together. I need Wells Fargo to understand this and GET OFF OF MY BACK. I have also filed a Qualified Written Request of which they have not provided exactly what I am looking for. 
Someone needs to call me NOW

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