BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I attempted to open a bank account with Wells Fargo and was denied. I was advised that my denial was based upon a reporting to XXXX by XXXX XXXX XXXX. I asked if it was reported to XXXX because I have monthly alerts from XXXX and there is no record of XXXX bank on my credit report. The Wells Fargo representative stated that it was not XXXX because if it was I would still qualify for a XXXX chance account. He gave me a paper to contact Experian and was certain that the reports to the credit bureau was the reason for my denial. I pulled all XXXX reports and there is nothing reflecting XXXX bank. May I please know the accurate reason why I was denied an account so I can attempt to resolve the issue? 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Wells Fargo Educational Financial Services ( Servicer ) misapplied payments for XX/XX/2015. I have XXXX loans with the servicer and I make a single payment every month for the XXXX loans. The XX/XX/XXXX and XX/XX/XXXX payments were not applied to the principle balance of XXXX of the XXXX loans as prescribed by the loan amortization schedule. Additionally, upon inquiring with a CSR at the servicer, they were not able to explain the action and attributed it a broader processing integrity issue with their servicing platform ; They were not able to assure me that previous payments were processed accurately and I am concerned. 

Additionally, I paid of the loan as of XXXX/XXXX/15 as a result of refinancing the loan with another lender. However, on XXXX/XXXX/15, the servicer drew a payment from my XXXX XXXX XXXX checking account and applied the payment to the paid off loan. I am concerned that there are pervasive processing integrity issues with Wells Fargo 's student loan servicing platform and their ability to process payments completely and accurately. To aggravate the situation, Wells Fargo has a policy of terminating a borrowers access and deleting their on line profile upon loan pay off. As a result I am not able to access current and historic detailed payment information and statements, thus impeding my ability to at gather the information I need to determine if there are further inaccuracies with the way payments were applied. 

Finally, The servicer is dragging their feet with returning the over payment drawn from my bank account and applied to loan and now will not refund the payment timely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I wrote a check for {$700.00} for rent to my landlord ( XXXX XXXX ) at the beginning of XXXX. After my landlord mobile deposited the check, it came into his account as per usual. However, a few days later, someone stole the check, cashed it, and the money was deducted back out of my landlord 's account. So, my check was stolen and my money was stolen. I reported the claim immediately after we found out to my bank ( Wells Fargo ) and he reported it to his bank ( XXXX XXXX XXXX ). However, both banks REFUSE to reimburse me the {$700.00} that was stolen from me. When asked why the banks wo n't refund us, they both refer us to the other bank, therefore the issue is just being passed back and forth between the banks and again, I AM NOT BEING REFUNDED for money that was stolen from me. Because of their refusal, I am out {$700.00} and this is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is the servicer of my loan. I have tried for a remodification 3 times. They always ask for me to resend and update information until I am exhausted, they promise that if I get everything in, there 's a good chance, but in the end, they always find an excuse not to give it to me. In the current application for remodification, I was told that I need a higher income. I told them that I had rented out my rooms in the past and had to get rid of my renters when I could n't afford the payments and tried to sell my home. So an executive that would n't give me his name said that if I send in proof of rental income, I will get my remodification. I sent it all in in XXXX 2015. Since then I have called and called. They are doing the same thing by requesting more and more documents that I have already sent them, and it has been 4 months without an answer. They are crooks! 

In addition, this XXXX they locked me out and barred me from my own home when I was XXXX payments overdue. We did n't even go into foreclosure, no judgements made, and they came to my home and had a contractor steal my orchids, disconnect my plumbing, dirty my carpets and more. I had just spoke to they attorney about moving back in after trying to sell it and having no luck because I owed too much to pay off the loan. After fighting with them over the phone, they returned my key, but never replaced or compensated for damages and stolen items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
i had several accounts opened for me which i did not request from wells fargo in XXXX ca and read some time ago the process was being questioned i think by the district attorney in XXXX whom i called. i was told they were only working on cases in XXXX and threw all my checkbooks, etc away ... i had paid my property taxes on an account that had no funds and was assessed over {$300.00} for a late fee and desired recourse. Is there any at this time due to the recent settlement or who do i contact? thanking you in advance for a response ...

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 2015-07-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I called Wells Fargo and I needed XXXX fee waiver due to some issues i had on my end. I did n't want a recurring charge to go thru tonight and start a cycle of ol fees again. I am having issues with payroll ... ... and no at this point in time i can not fax proof of that to the gentleman that took the call due to the charge going thru XXXX tonight.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Behind on loan payment by a couple of weeks. I have received 3 calls to my place of employment. Each time I 've asked for that number to be removed as I ca n't receive those types of calls at work. I was told it would be and yet they called my job again today.

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 2016-09-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a victim of a phishing scam. I opened account with a Wellsfargo Bank on XXXX/XXXX/2016 my account # is XXXX. I am a victim of a phishing scam. Someone with the name " XXXX XXXX Wellsfargo # account XXXX, pretend to be a loan company arrange a personal loan for me, and ask me to deposit {$5000.00} in closing cost. I opened the account on XXXX/XXXX/2016, wrote a checking to this phisher. This personal cashed out XXXX USD immediately. They should not be able to cash out on the same day. I contacted Wellsfargo immediately on Monday to ask them to help retrieve my stolen funds. They did not help. They denied my claim. I understand that I was stupid to be a victim of a phishing scam, when I deposited the check in my Wellsfargo account on the same day, there was no signature on file to verify the check. New account screening should have restrict the transaction to protect me as an account holder. When I opened the claim, they did not help. They fail all the way from start to finish. My wife ended up divorcing me, and I lost my child in a child custody because of irresponsibility of Wellsfargo who I trusted. The person that scammed me still banking with Wellsfargo and continue to look for more victims. No one assist me from Wellsfargo. Not only I lost my money, lost my wife, my kid, and I lost my faith in banking system. Wellsfargo bank, New account Screening, Fraud Department fails me as a client. They were not acting as my fiduciary, but a criminal accomplice continuing helping criminals preying on innocent victims. When my lawyer and I got in touch with the XXXX XXXX District Attorney which the phisher is an employee XXXX at XXXX, she decided to take my case and prosecute this criminal XXXX XXXX who works for the XXXX DA office. I asked Wellsfargo to send only the check that I wrote as evidence to the DA office, they send the claim affidavit which I was assisted in filling out at Wellsfargo. Because it was filled out incorrectly, at the last minute where the DA office was about to prosecute they drop my case due some terrible paperwork that Wellsfargo send to them. Losing XXXX in the moment when I need money the most to save my family my XXXX year old child was important to me, however, more important to me is that this criminal XXXX XXXX still got account with Wellsfargo, still look for people to prey and harm. Please help me with this. My contact number is XXXX. I decided to voice my concern here because of what 's going on with Wellsfargo Bank lately with their fake accounts, their culture of lack of oversight in protecting our country consumers.

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 2015-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My XXXX died owing a credit card debt. The debt collectors say I now owe the debt. My name is not on the application for credit nor have I benefited from the credit card. The debt collectors reported it to the credit reporting corps. and it appears on my credit report as a debt I failed to pay and fraud. I am applying to refinance my home and I am being denied because of the report. I have no other blemishes on my credit report. I ca n't sleep with the fear of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am attempting to avoid a foreclosure sale. I have submitted a completed mortgage assistance package to my servicer - Wells Fargo Home Mortgage. I also have equity. Wells Fargo has not postponed the foreclosure sale because they prefer to take the equity from me and profit from my distress. I fell behind on my mortgage because of long and painful XXXX treatment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2013 I opened XXXX bank accounts at Wells Fargo in XXXX XXXX, Oregon -- a small business account and a personal account. Within a XXXX, Wells Fargo closed my accounts, without notice and without explanation. Eventually it took my calling Wells Fargo to find out that my accounts had been closed ; in the meantime I was unable to access my accounts, either online or at ATM machines. Wells Fargo said that additional information was required on my accounts, which I provided immediately. Wells Fargo re-opened new accounts in my name, only to close my accounts again within another week or XXXX, then to re-open my accounts, again, with new account numbers. While all this was happening, Wells Fargo continued to hold - and have the benefit of - my money. Since my accounts were so messed up by Wells Fargo, I could not setup online banking, I could not pay bills, and I never received bank statements of my accounts. In XXXX or XXXX 2013, I attempted to apply for an XXXX XXXX driver 's license ; however, since XXXX required proof of residency within the state, which may be provided by bank statements, I was unable to provide proof of residency without my bank statements from Wells Fargo. I purchased XXXX vehicles in XXXX 2013 in Oregon ; since I had no state identification from XXXX, I had to use my XXXX driver 's license as my identity -- and pay XXXX sales tax, which I would not have had to pay any sales tax at all if I had an XXXX driver 's license ID.

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 2016-01-08
Company: WELLS FARGO & COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The wrk before XXXX I made a math error with my checking account. This should have resulted in XXXX NSF fee but instead my bank Wells Fargo paid the largest to smallest transaction resulting in almost {$500.00} in NSF fees. I reached put to them and spoke to XXXX employees who had no sympathy and rudely stated that is their policy and basically too bad! Then on Tuesday I reported XXXX fraudulent transactions and not only did they pay them they charged me XXXX more NSF fees and they had no recollection so now they have almost {$600.00} of my money. I know other banks in the area do not engage in these practices and XXXX bank actually resolved a class action suit for engaging in these practices! 

I am hopeful that you can assist me in recovering my money. 

Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a loan through Castle Payday for {$600.00}. At the time of the loan, they did not disclose the interest rate that I would be paying or the full amount of payments that would be charged over the lifetime of the loan. 

They have been charging a 824.9979 % interest rate and debiting my account {$210.00} every 2 weeks for the past 4 months and I still have a balance of {$700.00} 4 months later ( and after many payments! ) I have already paid {$1700.00} and this is NOT PAID OFF?!? 

I never would have taken out the loan if they had truthfully disclosed that my total payments would be {$3600.00} for {$600.00}. 

Payment information : XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - VBS CastlePayDay XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX Total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00}

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 2017-02-01
Company: Big Picture Loans, LLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I applied for a installment loan with BigPitcure loans. I qualified for {$800.00}. When agreeing to such a loan over the phone no mention of the interest rate. The only thing that was mentioned was the due date of XX/XX/XXXX in the amount of {$280.00}. Then nothing was mentioned that this was a biweekly loan. I get paid twice a month. I have logged in to see why this was and guess what my interest rate is XXXX % I will be paying {$280.00} biweekly until XX/XX/XXXX ( yes XX/XX/XXXX ) this is {$6800.00} once I have paid back. They had played me and I was not informed this was such a high interest rate as well as this was a biweekly loan. I borrowed {$800.00} and will eventually pay back {$6800.00} that is illegal it is a scam/shark loan. {$6000.00} in finance/interest no way. Payday loans are illegal in XXXX ( which is the state I live in ) this is a payday loan if they are asking when I get paid and taking out {$280.00} every time I am paid. I again was not told what the interest rate is only that the amount approved was {$800.00} and my first payment is {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Big Picture Loans, LLC
State: IA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
on XXXX XXXX XXXX i filed an application online for a loan with big picture loans. I was unaware that i would be paying {$4100.00} for a {$700.00} loan. Big Picture Loans called me and explained my payments would be XXXX every two weeks and to pay off loan it would be {$870.00}. It was implied that i could pay off the loan early and the total cost would be XXXX but was never made clear that the payments were interest only. i was never provided documents prior to accepting the loan to review, only the loan application. after accepting the loan, i became aware of the amount i would be paying in interest for the loan after i acepted it and the funds were dispursed. the rep on the phone was not clear on all details. He did not disclose any of the fees that i read about in the loan docs. I notices a XXXX dollar a week fee if i dont let them take the payment. If was made clearly aware of all these fees and stipulations and total final cost of the loan with details of the exact amount interest would be paid for loan if taken to term, i would not have accepted this offer. This is illegal. The rep was also pushy and speedy. he was rushing me through the process, i believe so i was n't completely aware of all the details. I have done research on the company and found out im not alone. This company has been doing this to many people. this company needs to be closed down it seems like they keep changing their name to avoid repercussion. not only am i asking for help in this matter, I want to know if its possible to bring charges against the company. How do i go about getting this loan dissolved without hurting my credit. they lied to me and illegally and intentionally did not disclose the whole details. in XXXX the ftc act passed a law so that these kind of companies can not use the tribal laws to take advantage of consumers. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For 18 months now, since I began closely monitoring my loans, I have had to call my loan company ( Granite State Management & Resources ) almost every month due to misapplication of loan money. I try to make targeted payments to pay off specific higher interest loans, and many times they simply spread it across all loans despite my specifications given both online and over the phone. The last couple of months, they have adjusted the amounts paid slightly on my loans, and have actually increased my auto-debited amount without my consent. The amounts are negligible for just me, but if this is happening to many of their clients, they could be making a whole lot of extra money by slightly adjusting payments, most so slight that I imagine many people would n't notice. I 'm tired of having to call and call just to have them do the same thing again the next month. There 's no reason my auto-debit should ever be different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Went to get cash out and they took my money and they wont tell me why I have no cash now. I tried calling they wont give me any information

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 2015-04-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I was granted credit by XXXX who operated XXXX which was taken over by Synchrony Bank. So I was granted credit based on my credit report at that time. Synchrony now lowered my credit limit substantially, stating as a reason information obtained on the credit report. I contested that as the information has not changed. The reasons Synchrony stated in their original letter where they lowered the credit limit are not valid. Those same issues were there when they originally granted the credit, and as an aside my credit payment history with them, and ALL creditors since then is perfect. so I contested their reasons for the reduction, and they wrote back, XXXX, and do not address the issue but use the same boilerplate language. When I wrote a XXXX time pointing out my protest even stronger, I get the same boilerplate response.They will not allow calls and no other way to discuss or resolve the issue. Obviously writing does not move the ball forward on this at all. They simply do not respond to my questions or inquiry at all. 
They keep stating they made their decision within the law .... But I contend the reasons they state are not valid, at all.

Company response to consumer: Closed with explanation