BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Account was verified through equifax but the debt collectors did not have documents to support claim. This has been an issue for over 4 years I was told the companies sent over documents but I requested copies of the document at the beginning of my dispute. But was told I need to re submit the claim and request the documents in writing even though I requested a copy of the documents in my initial dispute. The investigation of the account should have revealed there was no documents to support the claim and should have never been verified. I want a copy of the submitted documents seeing as the document were verified and the company. And there is cause for concern the bureau need to a better job of investigating matters before confirming this issues has caused me to many problems. And has had a negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
America 's Servicing Company is being bias towards the borrower by prohibiting the borrower from being reviewed fairly for a loan modification due to an overzealous underwriter and processor with America 's Servicing Company. America 's Servicing Company is requiring additional documentation not customarily required per the HAMP guidelines. The borrower has been separated from the spouse since XX/XX/XXXX. Although divorce is imminent the clients have not filed for Divorce but the spouse no longer resides in the residence. America 's Servicing Company requested for the Co-Borrower to relinquish their rights to the property by means of a Quit Claim Deed. The Co-borrower as a result incurred additional expenses relative to the Quit Claim deed preparation and recording cost. On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX received a conference call from the assigned relationship manager XXXX XXXX with the underwriter XXXX ( no other information was given about the underwriter ) demanding a Divorce Decree. The underwriter was notified they were not divorced and separation was not recognized in the state of Florida. The file was denied the same day for not producing a Divorce Decree. America 's Servicing did not provide the client with a missing documents letter as required by the CFPB and HAMP Directives. In addition the underwriter is demanding a Divorce Decree in which the borrower can not provide. The co-borrower has demonstrated she does not live in the property and has relinquished her rights to the property but America 's Servicing Company is continuing to demand a Divorce Decree or produce a separtion agreement which is not recognizable in the state of Florida. On XX/XX/XXXX and XX/XX/XXXX file was resubmitted to America 's Servicing who removed the file from being removed on the same day. File was submitted XXXX days before a Sale Date and America 's Servicing did not mail a Letter Confirming Receipt XXXX the package nor provided the client with a missing documents letter as required by CFPB and HAMP Directives. America 's Servicing Company is requiring the borrower to produce documentation which is not legally binding nor recognized in the state XXXX Florida. America 's Servicing Company is proceeded to foreclose on the home without providing the client a proper review of the Home Affordable Modification Program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Debt was charged off over 4 years ago by original creditor. Account went delinquent XXXX of 2009. 

Communication with XXXX parties : Contacted XXXX other people that I am aware of, including old Landlord, and extended family trying to get ahold of me for a " legal matter ''. Left messages on answering machines with case # XXXX XXXX. 

Harassment : Claimed to be delivering service of summons and would not disclose name or information of process server at my request. Used the threat of a pending lawsuit to get me to make a payment by the following day in order to stop the process. 

Making False and Misleading Representations : Claimed to not be a debt collector, but a law firm working on behalf of Wells Fargo and used multiple names including " Legal Claim ''. Never notified me on contact that they were a debt collection agency or that they were attempting to collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX ( XXXX ) credit cards from XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to XXXX and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XX/XX/XXXXXXXX and XXXX XXXX, We filed for Bankruptcy in XX/XX/XXXX and our case was discharged as planned. However Wells Fargo has been the only creditor to continue to report to my husband and my credit report. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like Wells Fargo to stop reporting to our credit report per our bankruptcy. Last reporting date was XXXX XXXX. 

I know this report is from XX/XX/XXXX, but I 'm trying to re-finance our home and Wells Fargo come up again. 

Thank you for any assistance you can give us. My contact number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Over 7 months ago or close to a year ago I closed my account in Wellsfargo. My reasoning for closing my account was because I was charged unknowingly monthly fees for my account, my account activity was note documented in a timely manner which lead to negative balances and additional charges. I felt as if Wellsfargo does not value its customers. Since I bank with other banking institutes I can determine the difference in how a customer should be treatment and the difference in the produces they offer. They fees I was charged I do not receive from other banks. So, I felt no remorse when I decided to close my account with Wellsfago. 
In the meantime since I have closed my account ; I am still receiving bank statements as if it was never closed my account. I thought the bank statements I was receiving would eventually stop coming and I never thought anything of the statements until I recently heard of the Wellsfargo account scandal. Therefore, I want to know if I am a victim of the Wellsfargo account fraud?

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 2015-08-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am writing this letter on behalf of my daughter. My daughter had gotten into a financial bind. She is XXXX and has always tried to be independent. Feeling ashamed of her situation, made the decision to seek help from her bank, Wells Fargo, instead of coming to myself for assistance. 
She has attended school part-time for the last two years to be accepted to a XXXX program. We found out in XXXX that a spot had been secured for her at XXXX XXXX University. This is the same school she attended and received a XXXX in XXXX and XXXX XXXX. She is intelligent, hardworking, and motivated. Unfortunately, she is not well educated in the world of finances or banking. I found out about her finances when I was trying to organize a budget for us when she returns to school in XXXX. 
The help that Wells Fargo gave her left her in a position that she would not be able to get out of for the rest of her life. This started when they told her she had to keep a balance of {$1500.00} in her checking account. This would be impossible for her and seems it would be quite evident by her ongoing banking with them. Wells Fargo 's help consisted of a loan at 12.25 %, a personal line of credit at 11.25 %, and a credit card that carries a 17 % on purchases and a 23.99 % on cash advances. The accounts she was signed up for also carry an annual fee of {$25.00}. She makes her minimum payments. The interest being charged every month is more than her payment. I realize she signed these agreements, but did so reluctantly. The person helping her even stated to her that she " looked uncomfortable doing this ''. She had no idea what any of the interest rates meant or of the charges that went along with cash advances. I tried going into the bank with her and was told there was nothing they could do since she signed the agreements already. However, they were willing to run her credit again to see if they could get her yet another loan. 
I went on their website and not even being a customer ( which she has been since it was owned by Wachovia ) ; I can get a credit card with a balance transfer at 0 % interest and accounts that have no annual fee. They advertise all kinds of help for students. I am wondering why she was not offered any of that help. I do n't even know of a bank that does n't offer free checking and savings accounts ( well, now I do ). 
I have now exhausted all my avenues and put my credit in an unsatisfactory light trying to get her out of this mess. She is unable to get any other financial help in terms of loans for school due to the fact her credit is now maxed out. I am appalled and beside myself that a bank would do this to someone. I feel an obligation to let every unsuspecting and unaware individual know that this financial institution is not there to help anyone, but only for their own gain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: FinCo Services Inc DBA Current
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, a bank closed my account due to me transferring money to my business partner. I provided the bank with a list of personal documents to prove that it was me who was committing the action so they wont closed it, but they proceed with closing it even after providing the documents. Originally, when a bank closes an account they send the remaining funds in a check form, but this bank decided to hold my money and requested another document after being provided with a list of others. The document they asked for was provided but was denied because they say it cant be verified even though I used the document the IRS sent to me. I, personally, feel like theyre giving me runarounds about my funds and theyre not doing well with communicating anything. I have 4-5 emails I sent to them in a day and they only respond to one maybe a few hours or even a whole day later. They blocked my number so I can only contact them via phone through 3rd party even with a pending process. They just not being cooperative and seems as if theyre holding my funds for no true reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Wells Fargo took {$10000.00} from my account with no due process or prior notification that this would occur. The debit on my accounts only had the name of a law firm I did not know and a phone number from a city I had not visited in over 10 years. After some investigation I found that Wells Fargo had taken my money due to a court order against another individual with the same name. I spoke with the lawyer listed on the debit, and he worked with the Wells Fargo lawyer to return my money. 
While I am glad to have my money back I am still troubled by the gross negligence displayed by the bank in taking the money out of my account without verifying any personal information beyond my name ( no SSN, no DoB, etc ). When I asked the bank for an explanation they offered none, then after originally agreeing to escalate the issue to their executive office they began an endless loop of transferring my call to other office that could not help. 
I was lucky to catch this transgression when I did, and even luckier that I was able to live for a short time without the funds they took, but that does not excuse the reckless behavior of Wells Fargo. I hereby ask the CFPB to investigate Wells Fargo in their lack of due diligence when paying debt collectors and prosecute the bank for any illegal activities that the Bureau uncovers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been applying for assistance since XX/XX/XXXX. My loan is an FHA loan and my lender Wells Fargo Home Mortgage has been refusing to review me for assistance since then. They keep having me send paperwork over and over and then block me from a review each time stating they can not review me without a new change of circumstance. My husband who was half of the income for the household moved out in XX/XX/XXXX. He moved back into property after we reconciled and this was our change in circumstance. My household income went from only XXXX source back to XXXX. Wells Fargo has only played games to buy time to be able to stall and get more for my house. They never had the intention of reviewing me for assistance. They only placated me by taking my paperwork, but never actually reviewing it for assistance since XX/XX/XXXX. They did this in order to buy time and now they are trying to push me out of my home without even reviewing me for assistance to save my home. I now have a sale date and I finally hired an attorney to get my financial packet complete and they now state I can not reapply without a change in circumstance. They have been using this excuse to turn me down since I started asking for assistance back in XX/XX/XXXX. My change in circumstance is that my husband moved back into the property with me so my household income has increased and our out of pocket expenses have decreased. They have never actually reviewed my file for assistance. They continually deny reviewing me for assistance stating that I have no change in circumstance. No matter how many times I tell them there is a change, they just refuse to actually review me for assistance. I only want to actually be reviewed for assistance. I am being told by my attorney that I do qualify for a standard recap modification now that my husband moved back into my house. That Wells Fargo blocks borrowers from assistance as their common practice. Please make them stop blocking me from an " actual '' review and help me save my home. They have never had the intention of reviewing me for assistance and are solely trying to just block and foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo : Mother died in XXXX of 2016. In her belongings was an inactivated credit card. All her accounts were closed and notice of her death provided by the end of XXXX. In XXXX a credit card statement was received with a " XXXX balance ''. XXXX separate phone call attempts were made to a number given to deal with the credit card. Each time the automated voice comes on and states " no one is available to answer your call '' it gives the hours of operation. The calls were made within those hours and days. A call was then made to Wells Fargo Customer services. Which said it had to be handled by the credit card services and I was transferred to a person ( XXXX XXXX XXXX ) who said she could not access that account and sent me to a third number which answers with " no one is available to take your call '' and it just hangs up.

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 2016-02-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
( WELLS FARGO BANK , NATIONAL ASSOCIATION ) is the bank that holds my mortgage, they are consistently mismanaging my escrow account. Almost every year since they brought out my mortgage from another company at the end of each year I 've had the payable payments of more than {$2500.00} sometimes a little less for their claims of my escrow always constantly being short. Even as my land taxes went down three years in a row, my escrow for some reason was always short. When he forced me to pay the extra balloon payments at the end of each year, they tell me that this little payment make my escrow have an overage. So XX/XX/XXXX if I paid {$2500.00} plus my motley mortgage fee of {$1400.00}, does n't this mean that I now have a surplus of escrow. Now with that being said consider the fact that my land taxes decreased, my home owners insurance decreased from XX/XX/XXXX to XX/XX/XXXX ; why am I still left with a escrow shortage. I believe his bank is consistently committing theft by deception, and I will be immediately looking to my local law enforcement agency to file those criminal charges against Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I applied with my credit union ( Navy Federal CU ) on a mortgage. They claim that if they can not match a rate that a competing lender is offering that they will pay you {$1000.00}. I ended up closing with the competing lender and NFCU will not honor their {$1000.00} rate match claim as it is described on their match form. Their rate match claim form reads " Upon receipt, Navy Federal will review the HUD-1 Settlement Statement/Closing Disclosure and the Mortgage Note to confirm that the loan closed on the same terms and conditions originally quoted by THE COMPETING LENDER. '' The form does not say that it has to close on the same terms and conditions that Navy Federal was offering. I feel as though I was deceived by this and NFCU does not want to honor their rate match claim as stated on the form. I have been in the mortgage industry for 22 years and this is a classic case of deception that we learn about every year during our continuing education classes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Friday afternoon, XXXX XXXX, I was contacted at my home by telephone by a representative from Chase Bank ( call # XXXX ) indicating that there appeared to be fraudulent activity connected to my accounts, and asking me to add a password and security questions to my credit card accounts. About an hour later, I was called once again at home by telephone by a respresentative from Chase Bank ( call # XXXX ) asking me if I was physically present at a branch - I indicated I was not, and told the representative about call # XXXX, and suggested to her that they should detain the individual in the branch, as that was likely the fraudster. About a half hour later, I was called yet again at home by telephone by a representative from Chase Bank ( call # XXXX ), indicating that they believe there was fraudulent activity on my checking account, and that there were withdrawals for cashiers checks. I responded that these were clearly fraudulent activity. The Chase representative told me that I should come to a branch, and close the accounts, and re-open new accounts, which I immediately did ( we arrived at the branch at approximately XXXX ). Online activity indicates there were XXXX withdrawals to fund cashiers checks, XXXX for {$1800.00}, and XXXX for {$3500.00} ( copies of these withdrawals attached ). Had Chase checked the signature card on file, they could have clearly seen that the signatures on these withdrawals slips are not mine. 
I understand this claim is noted with the Chase internal claim # of XXXX. 
Chase is telling me it may take 30-45 days to return my money, even though I have sent them an claim along with the notarized police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
TransUnion has a bunch of incorrect address, names and phone numbers that I have never been associated with, this I consider to be slanderous or offensive. the AKA names are both incorrect and either mesh my name with my siblings name or just outright misspell it. On top of all of this I have never signed an XXXX XXXX form with this XXXX XXXX XXXXXXXX XXXX, this form is to prevent or limit the misuse of anyone 's social security numbers.

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