BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I got the home mortgage past-due amount and tried to get the mortgage modification with the mortgage company. It took more than 6 months to make it, and now I got the letter to go to the foreclosure suddenly. So I made the request to them to give several months of grace time to sell my home to avoid the foreclosure, but they did not say to postpone the foreclosure date. The current home price is much higher than my borrowed amount for home mortgage. So I just need a graceful time to sell my home and payback all of the borrowed amount to the home mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent AD ASTRA a proof of validation letter and they sent back two letters one that states my credit limit was {$360.00} and the other letter shows a balanced owed of {$720.00}. I have received two different letter stating I owe two different amounts. AD ASTRA is reporting false inaccurate information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Some one stole XXXX dollars out of my Wells Fargo account XXXX XXXX in XXXX, North Carolina. Wells Fargo did not replace the money nor acknowledge my lost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: WELLS FARGO & COMPANY
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In the month of XX/XX/2015, my email address ( XXXX ) was hacked and used to send messages to people associated with my business. At that time, transactions for the purchase and sales of products were made. The hacker forged the identities of our customers and suppliers, creating email addresses similar to those recorded in our email account, which they then used to communicate with our customers, our suppliers, and us. 

The hackers fraudulently and inexplicably opened XXXX ( XXXX ) accounts with WELLS FARGO BANK in XXXX XXXX, California.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: PNC Bank N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I applied for the BBVA Select credit card. On XX/XX/XXXX I received an e-mail from BBVA congratulating me on my new card. On XX/XX/XXXX the {$99.00} annual fee posted to my credit card. On XX/XX/XXXX I canceled the credit card and told them that my reason for canceling the card was that it wasn't worth paying the annual fee for the benefits I received from the card. On XX/XX/XXXX I received an alert from my credit monitoring service that my BBVA account was 30 days past due. On XX/XX/XXXX I contacted customer service and asked that the late fees and annual fee be removed since I had not had the card at any time during the 2nd year. They told me they would get back to me and on XX/XX/XXXX notified me that the late charges would be refunded but they were not going to remove the annual fee because I was aware that there was an annual fee when I canceled the card. I asked them to elevate the request but they said the decision was final and I could file a complaint if I wanted to. They were supposed to call me back in 3-5 days for the complaint but I haven't received any contact since XX/XX/XXXX. 

I think this is fradulent because I never had the card for any of the time that would be covered by the annual fee so I didn't receive any benefit from it. I paid the annual fee this morning before they did any more damage to my credit rating so essentially they are forcing me to pay for something I don't want and didn't receive and won't benefit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have reached out to Transunion since XX/XX/2021. I have submitted my Identity Theft report 3 times and nothing has been updated on my report. I submitted disputes about inaccurate information on my report several times since XX/XX/2021, and nothing has changed. The credit bureau keeps stating the information was accurate. I submitted a debt validation letter requesting original contracts and proof they verified the information with these reporting agencies and companies and nothing has been sent but a letter saying they are accurate, but zero proof. My most recent letters were sent on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I am aware they have 15 days from submission to provide proof of contracts and debt validation, and they have failed to do so. I have sent proof of address, as requested and addresses are still not updated on file either. I have called several times and nothing has taken place.

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 2015-09-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
In XX/XX/XXXX I received an auto loan from chase bank to purchase a car for my daughter. Up into the last few payments I turned the car over to my daughter and several payments were missed. Once I realized in XX/XX/XXXX I made the payment and allegedly {$.00} cents was left on the payment. Chase agreed that I did not have to send in the {$.00} and forward me the title to the car with the bank name removed as a lien holder. For the past 3 years I have been trying to get chase to correct my credit report showing that the loan was paid in full. As of XX/XX/XXXX due to the {$.00} I spoke with chase bank who admits someone error in the credit reporting and they will make the change. For three years with the negative reporting by the bank I would like the account deleted from all XXXX reporting agencies. The car has been paid off since XX/XX/XXXX numerous calls to Chase bank with no success to get them to correct there error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo has been erroneously reporting derogatory information regarding account ending XXXX to the credit bureaus since XX/XX/2013 in XXXX separate areas, one as collections and the other as a charge off. This duplication is causing excessive inaccurate credit reporting and reducing my credit score. I am requesting Wells Fargo to delete the tradeline.

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 2021-09-27
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX Overdraft fee for a fraudulent charge. I contacted Chime they stated that the charges were valid. I expressed that these are not the charges I swiped my card for. Several months had passed, XX/XX/XXXX, I get an email stated that XXXXXXXX XXXX XXXXl had refunded the charges due to fraud. Chime refused to update my credit report for charges that they approved. XXXX sent them a check for the entire balance and Chime will not update my credit report or reopening my credit-builder account. Now, months later on XX/XX/XXXX, A deposit from the Small Business Association attempted to deposit my loan for my small business but however, Chime declined the deposit. After denying the deposit 2 months later without an email, a text, or phone call, my account was closed and I am still unable to access my funds. On XX/XX/XXXX my account was closed with no communication of how to gain access to my funds. The only way I knew that my account was closed is on payday XX/XX/XXXX I attempted to pay my rent and my card kept declining. I attempted to log in to the app and it stated that I will have to contact XXXX to get access to your account again. It has been well over the 24 hours the email stated once I contacted the company via the email address. At this point, I will never use chime again. I will be filing some type of charges against them. I don't have any food or gas money. I had money in my account on top of my paycheck and my savings account. This is a thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: SECURITY FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan with PFS financial XXXX. My loan term is 42 months, my payments are {$350.00} a month. I pay my payments monthly and noticed my balance keeps going up and now down. I did fall behind a few payments here an there. A woman from PSF financial came to my job threating me for payment and nonstop phone calls requiring payment. I check my payments to be on XXXX on a monthly basis. I recently checked my car payments to be posted on XXXX and noticed my monthly rate is now {$480.00}! I never received notice of this and am totally unaware as to why its now {$480.00} and not {$350.00} like it is in my contract. Attached are copies of amounts I been paying as of XXXX 2016 until current. On XXXX, it shows I did not miss any payments so I do not understand how my monthly payment when up, especially without my knowledge.

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 2019-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the company debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX amount of debt XXXX the company was notified when we noticed the amount on my credit report, i disputed the debt captial one replied it was fraud, XXXX keeps contacting me by phone and by letter about this debt, i have sent them letters, and also the document from capitol one showing it was fraud, XXXX continues to disregard the fcra and fdca, and they are abuseive on the phone, this has been going on for month, the address they show on the debt i never lived at ... this was told to them they continue to hound me and persist i fill out papers for them that consist of what their job is for i refuse to give them any of my info much less do their job for them, i can attach letter i have sent them even by email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Their investigation did not provide me with the requested information, and exceeded the time frame allotted for them to respond. I respectfully have requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have failed to provide this information and it has been more than 30 days. My letter was sent on XX/XX/2021. My follow up letter was sent XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I subscribe to XXXX XXXX and XXXX XXXX to monitor my credit resport. I noticed a hard inquiry dated XX/XX/21 from Discover. This was not something of my doing. I contacted all 3 credit agencies and file and report in addition to calling Discover which they said they have no record of anything processed. How coild that be true if it clearly stated that my info has been ran. 

XXXX dispute file # XXXX XXXX dispute file # XXXX XXXX dospute file # XXXX XXXX is requesting a copy of the ftc dispute report to be faxed to them at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I disputed wrongfull charges with the Chase dispute department. I was told by the Chase representative at that department all calls are monitored and recorded. I was told the items I am disputing occured more than 90 days ago. But, due to my military service, they can be disputed if they had occurred within one year. Therefore they qualify to be disputable charges. I was told I would recover all fees that were originally assessed to me and provisional credit for the disputed items would be credited to my checking account. Addionally I was thanked for my service and was told the fees would be credited back to me as a curtesy. Some were manually credited back to me from customer service and some were done systematically by the customer claims department. 
After, I received notification that the items were not disputable and all fees that were credited back to me as a curtesy would be taken back. Chase made no contact with the merchants to validate the charges were indeed done in error. Next all fees that were credited back to me as a CURTESY and imputed manually by the Chase customer service department and systematically were charged back creating my account to become severely negative. 
How is claims department changing policies? If you are crediting back fees as a curtesy then how can Chase take back what they had promised on a recorded phone call? 
Soon, the she

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I used Wells Fargo to do a wire transfer of XXXX to a recipient in XXXX. Wells Fargo charged {$35.00} for this service. The recipient received only XXXX. Wells Fargo 's " Combined Disclosure '' document did not disclose that an additional XXXX would be charged, and says " Recipient may receive less due to fees charged by the recipient 's bank and foreign taxes. '' However, the recipient told me that this has never happened with other foreign customers, so I do n't understand how it could be her bank that charged the fee. I have had Wells Fargo open an investigation of where the missing XXXX went, but after two weeks they have no answer for me. WHY DOES THE CFPB ALLOW ANY UNDISCLOSED WIRE TRANSFER FEES? Wells Fargo 's computers know the name and address of the recipient 's bank, so they could also know that bank 's incoming wire transfer fee, if that 's in fact where the XXXX went. If I had known I was paying so much ( {$35.00} + XXXX to send XXXX! ), I would have simply put XXXX in an envelope and mailed the XXXX bills to XXXX. How can anyone wire funds with certainty if banks are allowed to dip in and take whatever they want without disclosing it?

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 2021-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Today I spent over an hour and half with different Bank of America agents on the phone to answer my concern to no avail. I spoke to at least 4 different agents and a supervisor. Long story short I needed to find out the full account number ( not the last 4 only ) on an account that is listed in my " manage accounts/ recipients '' list. This list is created by the consumer, but unfortunately, BOA would not disclose the full account number that was previously entered by the consumer. I do have different accounts under that list and I need to update/delete some to avoid sending funds to the wrong account which happened before. I called them about one account in particular with XXXX XXXX that I needed to get the full account number of but they refused. I asked to speak to a supervisor to give me that account number but again he refused ( XXXX, employee XXXX XXXX ), after an hour and half of wait! Question, those are accounts that I created myself in the past and transferred funds to in the past. Why does BOA deny the consumer access to information they actually created?

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 2021-09-27
Company: Mr. Cooper Group Inc.
State: AZ
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 entered into a Covid related deferral program with Nationstar Mortgage in XXXX. That program terminated in XXXX at which point the repayment plan commenced, which required intervention by the CFPB to actually get them to respond, due to repeated failures on Nationstar 's end to actually process the documentation to start it. 

I made the repayment plan payments within the required timeframes, as documented in the attached payment history as well as the reported credit report snapshot. 

The trial plan was then approved, with a first payment due on XXXX ( late after 30 days ), which is scheduled to meet prior to the late date. 

Nationstar has still reported the account as 180 days past due and showing in 120. In a simple examination of the credit report snapshot, this is literally impossible- Nationstar has deliberately and willfully erroneously reported this as past due. 

Moreover, I filed a report around summer of XXXX in which Nationstar did the same thing, despite being in the deferral.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Account is under government payment plan ( HAMP ) and as long as payments are made as agreed, the account must be reported as satisfied to the credit bureaus. I have not missed a payment in the program ( they were all scheduled ahead of time and all have been made ) and Wells Fargo is reporting me 90 days past due to transunion, equifax and experian which is illegal according to the HAMP guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: WELLS FARGO & COMPANY
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
1. XX/XX/XXXX, I received a check in the mail from Wells Fargo for {$500.00} with a form letter stating that I had been charged " too early '' and they were now refunding me {$500.00}. 

2. I wrote and asked them for more information on the charge of {$500.00} - the date, what it was for, and whether or not they had applied interest in calculating the {$500.00}. 

3. I received an answer dated XX/XX/XXXX ( which I will try to attach ) stating that the charge dated from XX/XX/XXXX ( almost 5 years prior ), and was for a rate-lock fee on a mortgage ( which I was later denied -- I was trying to re-finance an existing mortgage at that time on a rental property I own ). The letter also states that Wells had not applied any interest, and was just returning me the original charge made of {$500.00}. 

4. Since wells incorrectly charged me {$500.00} five years ago, I believe I should be entitled to interest over those five years. Can CFPB help in this regard? I did call Wells to ask and they just responded that no interest had been applied.

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 2021-09-27
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 we met with the branch manager of the PNC Bank location in XXXX XXXX, NJ. We met w/ the manager in order to close a CD that was held by our mother who passed away. We provided all documentation requested by PNC and were then told by the PNC manager that PNC would mail additional documentation to us for completion in order to finalize the closure of the account. 
On XX/XX/2021 we went back to the PNC branch because we did not receive the additional documentation. We were told it was mailed on XX/XX/2021 and that they would mail the documentation again on XX/XX/2021 since we didn't receive it. They gave us a number to call at PNC to follow-up at XXXX. 
Today is XX/XX/2021 and we still have not received said documentation so we called PNC at XXXX to follow-up and were told we should have the additional documentation on XX/XX/2021 and if we do not receive it to go back to the local branch and make arrangements for the documentation to be sent to the branch. 
PNC does not have a good reputation when it comes to processing paperwork and releasing funds. They make it very difficult. I work for a title company and getting a discharge of mortgage or payoff statement from them is equally as frustrating. I would NEVER recommend anyone using PNC for anything. 
At this point they will have been able to use our money for almost 2 months from date of initial contact and counting. They obviously do not want to release your money timely. 
Thank you.

Company response to consumer: Closed with explanation