BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with M & T Bank and I truly believe that they have applied my payments or paid off someone else 's mortgage. I have a friend who worked for this bank in the Collections Dept. and told me to call the bank and ask for every payment that I have made, which I did. In which I only received XXXX. I have had my mortgage with them since XXXX. I called to inquire why I only received these dates they in turn told me " Oh we purge files after so many years. '' According to my friend M & T acquired 4 accounts from other banks, and the records were merged. M & T actually paid of several wrong car payments. In XXXX I was struggling to pay my payment ( never once was I late ) and called M & T to see if they had a program to help and I was making Bi-weekly payments, and when I went back to regular monthly payments, I was told that " I took 4 years off of my mortgage. When I called recently they told me that I was not told the truth. My mortgage payments started XXXX a month and when they jumped my mortgage in XX/XX/XXXX it went from XXXX to XXXX as they put it " do to the rise in your taxes '' I was never notified of this and they fought with me and said they did. I called to get a payoff in XXXX of XXXX {$40000.00} I looked the other day and it's XXXX also saw a recoverable corporate advance for XXXX I called the bank and demanded to speak to a supervisor and he said " That was a charge for you trying to refinance last year, which I refused because it wound up being a second mortgage without ever being told. I told " XXXX '' the supervisor that they are hiding things, why I never received ALL the years of payoffs, and he denied the acquisitions then when I mentioned my friend he finally admitted that in fact they did acquire other notes from these banks. XXXX is suppose to send me every payment I made, which will be XXXX years this XXXX. I was also told by XXXX that because my late husband and I lowered our interest rate from 8.5 % to 6 % that counts as a second mortgage this was done over the phone and was never told that this is how it works and I never received any paperwork at all, which seemed very strange to me.I spoke with XXXX on Monday XX/XX/XXXX and he told me he would look into this ASAP and I have never heard another word. XXXX also told me I should pour more money into my payment towards the interest that is why I am now paying 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 2020-04-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately new my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing missionary work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the Equifax breach this may have been a cause of Equifax. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX my XXXX XXXX XXXX was repossessed. When I contacted VW Credit they advised me that because I was paying a partial payment versus the full payment placed my car in repossess status. I have paid this company {$200.00} every 2 weeks since XX/XX/XXXX when I purchased as a new vehicle. This company has harassed me so bad I had to find a lawyer to assist me with this case. I just want this off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 1994 I opened an IRA with Wachovia Bank ( for my retirement ) .I let the money sit and was going to add more monies to the account. However when I reached retirement age of XXXX went to withdraw y monies. By this time Wachovia had become Wells Fargo. So I approached the Wells Fargo Branch ( on Main St. ) in XXXX XXXX and was told my money was sent to unclaimed property. I contacted them and they said them I needed a date or at lest the year so that could look it up. I then went back to that Branch a few days later and was abruptly told not to come back to the Branch because they ca n't help me! So I went to the XXXX, Ga. Branch and spoke to a Personal Banker XXXX XXXX XXXX. She looked up my information and said '' Oh this happened before I came to this country so I ca n't help you '' .Now I 'm really confused as to what 's going on? When I came home I looked at my paper work again and realized that the person that had opened my account changed the numbers on my form. But was unable to change it on my benefit form. I later spoke with several organizations, and sent many letters ( see attached ). I was told that because I did n't withdraw my money within 5 years they no longer have records ( I find that hard to believe ). As I was told by a Wells Fargo correspondence specialist t hat because I did n't take it out does not give them the right to steal my money, after all IRA stands for Individual Retirement Account .I do n't understand why no one wants to acknowledge their error. I remember receiving a letter stating that maybe the money was transferred to another institution or the account was closed. That 's not and acceptable answer, since I did n't authorize for it to be removed nor did I close the account. Even worst if they 're a respectable organization why did n't they contact me of the change instead of just sweeping it under the rug?

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 2016-12-13
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card
Issue: Application processing delay

Complaint:
I have been a good customer with Wells Fargo since XX/XX/2007. Everytime I need to talk to someone I get put on hold or get disconnected. I have tried to close an account and they have a XXXX - XXXX day process to close account. I make a telephone payment and request the account be closed and they wo n't close account. Today I have spoken to more than XXXX agents spent more than an hour disconnected twice. Wells Fargo should not be in business if they can not look after their customers.

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 2016-11-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am selling my house as a " short sale '' and an offer was made on the house in XXXX. However, the financial institution ( Bayview ) has not made a decision to accept the offer. It has been five months and I am in limbo and would like to move forward. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing XXXX  work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the XXXX  breach this may have been a cause of XXXX. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: SLM CORPORATION
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, I received 3 letters dated XX/XX/XXXX from Sallie Mae. These 3 letters were Notices of Right to Cure Loan Delinquency. I was surprised to receive these 3 letters because I do not owe this debt to Sallie Mae nor did I guaranty any loan to Sallie Mae. The amount of the debt represented in these 3 letters is {$60000.00}. 

On XX/XX/XXXX, I promptly responded to these 3 letters by calling the phone number ( XXXX ) provided in the 3 letters. I disputed the debt and stated that I did not borrow the money nor did I guaranty this debt. I requested an explanation of why I received these 3 letters and subsequently requested verification of this debt. Sallie Mae has not verified that I guaranteed this debt and Sallie Mae continues to collect this debt from me. 

Between XX/XX/XXXX and XX/XX/XXXX, I and my husband had a total of 19 phone calls with representatives of Sallie Mae. My husband and I continued to dispute the debt as not my debt. However, Sallie Mae continues to harass me with collection efforts and maliciously posted derogatory comments on my 3 credit reports ( XXXX, XXXX and XXXX ). 

On or about XX/XX/XXXX, I received a 4th letter dated XX/XX/XXXX. This letter was a Notice of Right to Cure Loan Delinquency in the amount of {$12000.00}. The 4 loans total {$72000.00}. 

On XX/XX/XXXX, my husband received a phone call from a Sallie Mae collector attempting to collect {$12000.00}. Again, my husband explained that this debt was not owed by me. 

Because of the false and derogatory comments posted by Sallie Mae on my XXXX  credit report, my credit score was significantly lowered and I was denied credit by a credit provider on XX/XX/XXXX. Sallie Mae caused me to suffer financial harm. 

Though I deny and dispute that I owe the 4 loans, and Sallie Mae has yet to verify that I owe this debt, Sallie Mae continues to assert that I owe the debt and refuses to remedy the malicious and erroneous postings on my credit reports. Therefore, I am continuously suffering financial harm. 

I will upload letters exchanged between me and Sallie Mae. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been requesting a remodification from Wells Fargo for almost a year. They have declined it but say because I am not responding. I have left messages, called, and ask for corespondence in writing so I can respond in writing. They refuse. Also, they cam to my house and posted a notice that they were going to change the locks and board up my doors even if I am inside. I do n't think this is legal and could my self and my pets life in danger.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I open a checking account of this M & T Bank at XXXX XXXX XXXX of XXXX but now it been closed. So, i visit other branch in Downtown in XXXX XXXX. Aside from checking, i open a savings account and they also give me a credit card too. Because, i have no time to go to other bank near to me i decided to open a CD year XXXX. When i open my account on this bank they tell you a good product and services they offered like you are Protected for OVERDraft fees if you open other account servjces you have. As we all know we have no time to read the detail terms and condition you signed. IN SHORT the people in the bank will NOT give you the Pros and Cons if your savings become lower to the minimum balance or if you used your checking account without funds evendo you have money in your other account like savings and a credit line they offered to us to save my overdraft, now the {$12.00} overdradft fee became a transaction fee this is what the Agent told me name XXXX I call today XX/XX/XXXX at XXXX XXXX to dispute this {$12.00}. 
I issued a check the amount of {$98.00} XX/XX/XXXX but my remaining funds that time is around {$53.00} plus then the M & T bank automatic they charge on my M & Tbank that connected to my all accounts ( checking, savings ) i check my accounts last night and i found out the transfer of the personnel bank to my account using the credit card to cover my short of {$43.00} plus ( XX/XX/XXXX ) transaction and additional {$12.00} ( XX/XX/XXXX ) therefore they charge me the total of {$56.00} plus. Therefore, when i online and find out the charges i immediately pay on this amount and hoping on next day i call the bank to ask for the refund or waive my {$12.00} overdraft fee which is am disappointed that they can not refund this charge! This is the 2nd time they charge me for overdraft and never get the refund because they say i have no savings account at the time year XXXX and the credit card covered my short funds. Although, they said am protected by the overdraft fee if ihave a credit account from their bank. And, now they give me other reason the overdraft fee that they charge because i make a online transactions which is a fee!!!! This bank have many victims because of they terms and condition that not reveal to the consumer. This institution used our money and at the same time LEGALLY FRAUD the consumer of their small print and deceitful Terms and Condition and POLICY of the Corporate scammer bank institution. Am, sorry if i say this, am so upset this charge {$12.00} is already big money, especially i earn $ XXXX hour only just rely on the tip of the customer that i work for. 
Hopefully, you give your time and attention to my complaint and hoping they give as consideration being a long time customer. 
Thank you.

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 2016-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There is a business item on my personal credit file and outdated. I have disputed and Experian still has listed. The account is XXXX Bank XXXX XXXX This is outdated ( past the statute ) and should not be on my personal credit file. Action is needed

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 2022-05-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Beginning sometime in XXXX someone opened an account in my name in another state with USAA bank and began depositing and cashing forged checks in my name, I began receiving letters at my home from USAA about ME bouncing these checks and eventually them wanting payment for charges on these checks bouncing. I contacted them several times by phone to tell them this was ID fraud and it wasn't me to no avail. I then opened an account with identitytheft gov and followed the steps including sending them two letters notifying them of the fraud and they refused to respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I enrolled with XXXX XXXX many years ago ( XXXX )? and have never received any documentation about my payments, despite asking repeatedly. I have now discovered that they were not making accelerated payments as described in their literature/contract, and I have not made headway on my mortage as expected. I have since dropped out of the program but want to ensure that I am part of the agreed upon settlement between the company and consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am challenging Public Record Information on my credit report of which I am stating is inaccurate in its filing. I understand the term " Dismissed '' to mean that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not and do not verify or provide information to the agencies. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal future objectives. Please advocate for me in this challenge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
TO : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : Wells Fargo Home Equity Solution XXXX # XXXX XXXX XXXX Home Campus XXXX XXXX , LA XXXX I am _______ a natural person whom is seeking assistance with filing a complaint against Wells Fargo Bank of New Jersey . This is about my primary Residence located at XXXX, XXXX. 

This notice is brought before you because a " debt collector '', has engaged in consumer debt collection activities within Wells Fargo Bank of New Jersey, against me. 

Wells Fargo Bank is attempting to collect the debt in relation to a mortgage Note, which they are not the " original lender '' or " creditor '' to whom the debt was owed. In XXXX of, 2013, Wells Fargo Denied my request for permanent Modification of my qualifying loan under the Home Affordability Modification Program which was provided to me by Wachovia Bank of NJ, my original lender. 

I have repeatedly provided Wells Fargo with all my financial information, including bank statements and cash flow analysis showing that the building is self sustaining in it 's ability to repay the Modified Loan Requested. But as of this time, they still refuse to help me save my primary residence. This is a self sustaining rental property, if I receive the Mortgage Modification. 

It is my belief that Wells Fargo is engaged in " Redlining '' for failure to assist me with my property, in XXXX, New Jersey, that I believe qualifies for at least XXXX of the many Federal Programs designed to help borrowers maintain the integrity of their neighborhoods as laid out by the Housing and Urban Development Agency. Therefore I seek your assistance with filing a complaint under Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits " unfair or deceptive acts or practices in or affecting commerce ''. 

I look forward to hearing back from you in an expeditious manner. 


Sincerely XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the process of a loan modification and Well Fargoclaimed that I had a lien on my property in the amount of {$18000.00}. I completed the trial modification. 
I went back and forth with them and told themthe lien is against another person with the same name. 
I provided my own title work which proved the lien wasnot on my property. I contacted them several times and wastold someone would reach out to me but only after theydenied the modification due to a time lapse was I able toreach someone. I provided them with the attorney 's nameand telephone number who filed the lien. They are horriblewith follow-up and may cause me to lose my home becauseof lack of service and the lack of follow up on the informationI provided to them and that is readily available to themthrough other sources.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have sent requested documents to Wells Fargo from their office fax machines, yet they claim not to have received them.

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