BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In or about  XXXX  2017, I entered a  XXXX  store with my roommate at the time to transfer my account to her as I was moving to a different location. The customer representative assured me that there would be no issues. My roommate was approved. My account was closed and my roommate 's account was activated. I did not receive any notification from   XXXX   at that time or any later date that there was a remaining balance on my account that closed.
<P/>
In or about  XXXX  2017, for the first time I received a notification from Diversified Consultants, Inc. ( a debt collection agency ) that a balance of {$260.00} remained on the closed   XXXX   account. This included a cancellation fee which the customer service agent in the  XXXX  store assured would not be applied because we were simply transferring the account to my roommate.
<P/>
On or about  XXXX   XXXX , 2017, I opened a new account with  XXXX .  XXXX  told me that they could not install my account until the " balance '' from the previous account was paid off in full. I paid that account directly with   XXXX   and the  XXXX  representative advised me that they would inform Diversified Consultants, Inc. of the account being paid in full.
<P/>
On  XXXX   XXXX , 2017, my credit report still showed that I owed a balance. I filed a dispute with   XXXX   on that date. The dispute was denied on  XXXX   XXXX , 2017. On that date, I called Diversified Consultants, Inc. who stated that my account showed paid in full. They claimed to have reported the paid in full status to the credit bureaus. When I called the bureaus, however, they stated that as of  XXXX   XXXX , 2017 the last information they received from Diversified Consultants, Inc. showed I still owed a balance.
<P/>
I am incredibly frustrated by this process as this was a lousy utility bill and a miscommunication from  XXXX , which is now resulting in a   XXXX    point drop in my credit score. I am also in the process of attempting to refinance my student loans and am being automatically denied because of the derogatory remark. This is unfair business practices by  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: WELLS FARGO & COMPANY
State: NE
Product: Credit card
Issue: Credit determination

Complaint:
I was turned down for credit by XXXX c/c companies. When I tried to obtain my free credit report because of the denial, XXXX said I had already received my free credit report for the year. I thought you could get a report each time you were denied credit, but am I wrong? thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me repeatedly and is now calling any number that was associated to me including my parents. I do n't even have a debt with them - I did have my identity compromised lately due to a data breach and strange things have been happening since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a letter regarding the matter however, no response from the company. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " WFDS d/b/a Wells Fargo Dealer Service '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Big Picture Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$300.00}, but had no idea that I would be charged {$900.00} in interest charges until after I received an email stating that {$92.00} would be taken out of my account on a bi-weekly basis. I would never have borrowed {$300.00} from this company under these conditions. After all of this, I have found that these type of loans are supposed to be illegal in the state of Arizona. I have no problem paying back the {$300.00} loan and reasonable interest, but {$900.00} in interest is ridiculous. They have already deducted {$92.00} out of my bank account on  XXXX / XXXX /2017 and the balance is still {$300.00}. I am attaching a screenshot from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
XXXX   XXXX   IS REPORTING DELINQUENCIES OF 30 AND 60 DAYS ON MY CONSUMER REPORT. IT HAS DAMAGED NY CREDIT SCORE BY   XXXX   POINTS.
I CALLED THEM AND THEY SAID THERE ARE NO SUCH ITEMS BEING REPORTED.
HOW DOES THIS GET FIXED? THE  XXXX  BUREAUS SHOW IT.   XXXX    SAID IT IS N'T SO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRUIST FINANCIAL CORPORATION
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 status incorrect

Complaint:
I recently applied for a loan and the amount I applied for was reduced due to Suntrust Mortgage not updating my mortgage to closed and transferred to XXXX. Therefore, it appears that I had two mortgages instead of one. I contacted Suntrust mortgage today ( XX/XX/XXXX ) and was advised I had to wait for 30 days for the dispute process to be completed. I advised my information could be updated via XXXX with less time ( 72 hours ). The mortgage customer service agent ( XXXX ) and her manager ( XXXX ) reached out to the Credit Manager who denied this was possible and they do not have access to XXXX. I would expect small establishments not to have the service due to expense not a large corporations such as Suntrust/Truist . I felt it was dishonest for them to deny their access to this system and their unwillingness to escalate the issue since it was their negligence that impacted my loan negatively. My mortgage has been with XXXX bank since XX/XX/XXXX. I think that is more than enough time for a company to update a tradeline. If the a Credit Manager is not aware of XXXX and how it works that also presents a concern.

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 2015-04-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Well Fargo, where I have a private student loan, stopped sending me statements in XXXX of 2015. When I realized that I had n't paid my usual bill, it was already past due. I called to resolve the issue. I successfully convinced Wells to waive the late fee AND ( I thought at least ) to set up automatic online payments. 

No paper or online statements came in XXXX of 2015. Instead ( again ) the only way that I realized that I had a past due amount came when I received a phone call demeaning payment. When I called Wells again to see what was going on, they refused to waive the late fee and claimed my earlier conversation setting up the online bill pay never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received a prescreened offer in the mail. I did n't want the credit card. It 's for a store I never shop in. Within the materials, there was information to opt out from further offers. I called the number & they asked for my social security number & birthdate. I entered in the information since I have accounts with this bank XXXX Synchrony Bank XXXX. Then they started to ask for my address & name. I hung up. I felt like the number was a phishing scam. The number I dialed was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In selling my house, the buyer was getting financing through Wells Fargo Home Mortgage Wells Fargo delayed the closing at XXXX the day before closing because " they needed more time '', with no explanation as to what the hold up was or any idea of how long things would be delayed. They had communicated the week before to the buyer that things would be on time. Subsequent calls and emails to try and get details or information went unanswered and unreturned. I 've called and emailed the loan officer, his boss and his bosses assistant with no answer, reply or call back. 

The Loan Officer involved in XXXX XXXX XXXX ( XXXX ) and his boss is XXXX XXXX ( XXXX ) I understand closings get delayed at times, but the combination of the last minute notification, no information and no follow-up from multiple parties at Wells Fargo is unacceptable and unprofessional. I will incur an estimated additional {$500.00} in moving expenses alone due to the delay in closing.

Company public response: Company 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: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is not following the California Homeowner Bill of Rights. This law banned the dual- tracking of forclosure. Wells has set a forclosure date of XXXX/XXXX/15 without giving me an answer to my completed loan modifIcation application. I have been trying to work with my bank, I believe they have not been willing to work with me because I am XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have a savings account and was told that first I had to have a {$2000.00} limit or be charged a service fee then I was told to avoid the service fee my account balance had to be {$2500.00} or have a deposit of {$75.00} monthly. 
I opted to have the deposit of {$75.00} and was charged the service fee. This institution changes the requirements at will and now wo n't xplain why this service fee charge when their requirements were followed.

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 2016-11-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We took out loan # XXXXwith Wells Fargo for a boiler XXXX/XXXX/XXXX and financed $ XXXXXXXX9.0 % ( paying $ XXXX ). Then we did loan # XXXX for air conditioner XXXX/XXXX/XXXX financing {$4000.00} at XXXX equal payments at 0 % ( paying $ XXXX ). These work out correctly as per loans. ( paying {$150.00} ) I am assuming as their bills do not specify how money has been applied. Then in XXXX XXXX we financed a hot water tank for {$2300.00} @ 0 % for 18 mths. Our next payment from them was {$230.00}. The payment should of been {$280.00} to cover the difference. We wanted to make sure that this was paid off in the 18 mths to avoid them billing us for all of the interest if loan was not paid off in time. I called and talked to a woman ( did not get name ) and after a long discussion about amount I finally got her to say that she would correct the problem and pay the {$280.00} and correct amount would be applied to each loan. The following month the bill came and it was again {$230.00}. So I called and talked to a XXXX on XXXX/XXXX/XXXX. She stated that I could pay {$280.00}, but the extra amount would be applied to the first loan and when that was paid they would apply money to next loan. Told her that that was not right and the other XXXX loans have been accurate ( as far as I know ) and we did not want to end up paying the interest on loan # XXXX. Said I was going to contact consumer protection and report them and XXXX put me right through to an executive ( XXXX XXXX XXXX XXXX XXXX. I explained everything to him and he said what can we do to resolve this. I replied to apply all the extra money I was paying to the third loan as it should be so we do n't have to pay the full interest rate if not paid in full by the XXXX mths. He then gave me the name of a resolution dept. person, XXXX XXXX XXXX XXXX ext XXXX ). Said she would be contacting us within 10 days and gave us a case # XXXX. Said we could contact her even earlier. We have tried calling and leaving messages several times and have not gotten any response. So called the consumer protection agency today and was told to file this.

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 2017-04-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
previous complaint.    XXXX  Hello, as per previous complaint. I have tried again to get my account unlocked.  Wells Fargo s till insists I go to branch to close it.   I also contacted  XXXX   XXXX  as per last complaint. left message but no callback.     I then asked as advised in previous complaint to just close the accounts over phone but  Wells Fargo  still wants me to go to the branch.   as I have stated I am  XXXX  and am unable to go. They are required to close my account over the phone but insist they do not have to and want me to go to branch and that is only way to close it.   Is this how any company should run a business? This will be my last account with  Wells Fargo . period.     Please have them close my saving account and send me certified check for balance to my address on record..   I am done with this bank.     Thank you,  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 2017-07-17
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I filed a complaint with you all on santander a month or so ago and they removed from my credit report as a debt relief attached is a copy of the response from then well here it iw months later they have sold my information to another company after agreeing to remove from my credit which they did but they never states they were going to sale my information attached is a letter of that as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: SYNCHRONY FINANCIAL
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid. I did not make this request.

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 2016-04-10
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I recently opened a business account with BBVA in XXXX 2016, and ever since then, I have been having issues with logins, password retrievals and the rest. The most painful thing was when XXXX of my clients wired money into the business account and subsequently had to wire some into the company 's brokerage account. The wire transfer was cancelled and hence, account frozen. I have gone to the local branch at XXXX TX to make complaints, but all to no avail. I was told they could n't unfreeze the account because whoever froze it is still unknown and neither do they know the reason behind it. This is a business account, and I have n't been able to conduct business the way I should. 
All I want is to withdraw all my cash and possibly close my account with them. If no resolution is reached in couple days, I will proceed with legal actions. This is absolutely absurd and uncalled for. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wron report about us, my wife and me. 
Hi, my name is XXXX XXXX and my wife XXXX XXXX XXXX. In XXXX 2016, my wife and me changed a car in XXXX XXXX XXXX, we paid every thing ready and take an other XXXX, The XXXX XXXX XXXX supposedly be to pay off to the Wells Fargo Dealer Services, WFDS XXXX, Auto Loan, but that does not occurred. Before that happened we paid the monthly payment at time by automatic system from the Wells Fargos my wife 's account. When we liquidated everything with the XXXX XXXX XXXX, we stopped the automatic payment. Finally, Wells Fargo reported to you that we delinquent in our payment and affected our current credit for both, my wife and me. Please help to resolved this matter. 
Thankyou Reward 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 2015-04-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been seeking help for assistance with my lender for over a year. I have reached XXXX road block and I dispute and appeal the Denial for mortgage assistance my file is currently assigned to Wells Fargo XXXX and would like CFPB to help review. Attached is detailed information to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Do to a financial hardship I was no longer able to pay my mortgage. I contacted the bank before stopping payments, told them my situation and submitted all documentation that was requested. I then decided that staying in my home was not an option and started discussing a short sale with the bank. the whole process started in XXXX of 2015 ( over a year ago ) and has still not been resolved. I obtained a realtor and attorney to help with the process of working with the bank on the short sale. The bank has been very uncooperative. They refuse to give any information to my attorney or me, keep refusing a short sale for various reasons, and most recently certified my home as vacant even though I am still living here ( I was handed the vacant cert on my front step ). Most recently the bank informed my attorney that the offer on my home was too low and they would not accept the short sale. they refused to provide a counter offer or let us know what the value of the house was ( appraisal had been done in XXXX 2015 by the bank. The foreclosure process was started in XXXX 2015, while we were waiting for the bank to review the first offer I had on my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a overdraft for XXXX and they take XXXX for XXXX and when you put the XXXX back into your account before the 24hours your still charged 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 2017-07-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in   XXXX   so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off

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