BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got a letter sent on XX/XX/2022 from Spruce, associated with XXXX XXXX XXXX XXXX. The information says that the Spruce Spending Account has been closed. 

I called the number on the letter on XX/XX/2022 to inquire about the account as I never opened a Spruce Account and have never heard of this financial institution. 

I have recently closed two credit cards on my own accord, one with XXXX XXXX and the other with XXXX XXXX. I asked if this account is associated with either card and was told no. 

I was told that because I pay my taxes on line this could be an account associated with that. I asked about when the account was opened and they can not give me that information. 

They said this might not be an account associated with my IRS payment. My IRS payment btw was paid as a direct debit from my savings account. 

They also said this account was closed because of fraudulent activity so most likely not associated with my IRS payment. 

They said they would open a fraud case and I can call back with case number XXXX. 

Why was a fraudulent account opened in my name? What charges were made? What controls does SpruceXXXX XXXX  XXXX XXXX have to prevent this from happening? 

When I did nothing wrong, why would I have to micro manage this issue with Spruce as opposed to them being proactive and doing something?

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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TransUnion failed to respond in a timely manner and they are reporting inaccurate information on my credit report. I am extremely stressed and worried because i am unable to purchase a home because of their inaccuracy which need to be deleted as soon as possible

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 2016-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
ON XXXX XXXX, 2015 I EMAILED XXXX XXXX AT WELLS FARGO WARNING HIM THAT THERE WILL BE A CHECK THAT WILL NEED MY ENDORSEMENT SINCE I AM NAMED ON THE CHECK. I ALSO MENTIONED THAT THE OTHER SIGNERS OF THE CHECK WOULD BE DEPOSITING THE CHECK WITHOUT MY SIGNATURE. I GAVE THEM A COPY OF THE CHECK AND A COPY OF MY SIGNATURE. ON XXXX XXXX, 2015 I RECEIVED AN EMAIL FROM XXXX XXXX SENDING ME A COPY OF THE DEPOSITED CHECK.

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 2023-01-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a letter telling me I earned {$200.00} in interest on my checking account, This is not true at all, so I contacted the bank and they confirmed I did not earn any interest in 2022. This is Wells Fargo bank and I feel like I am not the only one to get this letter and they are trying to make me say I earned interest when I didnt. This letter I received is an official tax document.

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-09-07
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Chrysler Capital called me at work due to a payment that I have not yet paid. I am less than 30 days late on the lease payment. However, they still did call me on a number that was listed as a work number. The representative that called admitted it was showing as a work number. This is unacceptable to be bothered at my place of work. I work for a XXXX XXXX that does not tolerate such behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022 I submitted a dispute to Equifax through their online system. There are several late payments on my report that have incorrect aging as well as one that should not show a delinquency. Equifax did nothing to research the details of the complain and instead got verification from the finance company that the status they reported ( inaccurate ) matched equifax. 

I submitted another dispute requesting details on the method of verification used and the dispute was closed again with no reference of the proof I submitted of the inaccuracy. Its obvious no real review of the case was conducted. 

XX/XX/2022 I called for details and the phone rep took information and initiated an internal complaint. Nothing happened with this and it was ignored, XX/XX/XXXX on a follow up call it was told to me that the XX/XX/XXXX complaint had no relevant information despite a lengthy discussion and reference to the disregarded documentation provided. Another internal complain was initiated and as of today there has been no resolution. 

We are now over XXXX months past the time of my request and am considering my next options to have this inaccurate account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo without any form of notice and after refusing to discuss alternative solutions has my home for sale on XXXX/XXXX/2015. I have applied for a modification and submitted all request documents and have not been contacted by them. My title work from the date of purchase does not indicate that Wells Fargo has any ownership right to my property and I have sent them a Qualified Written Request ( QWR ). Wells Fargo has refused to tell me who the attorney is handling the upcoming sale of my property nor have they informed the other owner of the property, this party is on title but not on the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is our XXXX year that we 've had our home mortgage with Wells Fargo. When we refinanced our mortgage it was with XXXX Mortgage who then sold our mortgage to Wells Fargo. Last year, they increased our Escrow payment by {$16.00} because ( through miscommunication they had n't factored in our Hazard Insurance. We were fine with the increase since originally XXXX thought we would pay our Hazard Insurance, but then at settlement it was decided it would be par of the Escrow. The paperwork was never changed to reflect the additional funds. This year, Wells fargo is trying to increase our Escrow payment again. They attempted to claim they did n't know about the Hazard Insurance. But since they paid it last year, and increased our monthly payments, we did n't agree with the increase. Then they claimed RESPA requires, by law, that the bank keep a two-month cushion in our escrow account. Wells Fargo has enough money to pay all our taxes, but they only have a XXXX month cushion after all XX/XX/XXXX taxes are paid in XXXX. The next tax is n't due until XX/XX/XXXX. I explained that RESPA does not require, by law, that there be a XXXX cushion. The XXXX cushion is strictly bank policy. I finally got Wells Fargo to agree that it is NOT the law, but they wo n't budge on the XXXX cushion even though there is enough money in Escrow to pay the taxes. We ca n't afford the additional increase. While we always pay our mortgage on time, we live very close to our budget and never spend extra money. It is sometimes tough to meet the demands of our mortgage payments, but we continue to pay on time. An increase in monthly payments might make it even more difficult to set money aside for our mortgage, especially when it is not necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Byrider Franchising, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account CNAC - XXXX XXXX with an alleged Balance {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions 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:
I called on the phone with all 3 Credit Bureaus also Capitalone I told Experian I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications XXXX be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess

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 2020-10-02
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
in the month od XX/XX/2020, I made my monthly call to Santander Consumer to make payment on my auto loan and ask for a payoff. Agent told me the payoff was {$200.00} dollars. I asked was she sure, she said yes. She asked did I want to make payment by agent or automated system. I chose to use the automated system for which there is no astronomical fee. On XXXX XXXX, I made a payment of {$200.00} cents for the final payment with my XXXX XXXX XXXX XXXX debit card. The {$3.00} cents is the automated sytem fees. It has now been one month, I checked my credit only to find Santander reports I still owe {$190.00} dollars. This loan is paid in full, my credit score is affected, and I want this strickend from my report. along with the 3 late payments Santander said i made. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My issue began when paying mortgage after my spouse died. Paid my mortgage on XX/XX/XXXX and not until XX/XX/XXXX was I informed that I was 2 months in arrear for not having paid XXXX. Asked mortgage company to have manager call me. Provided my phone number and did not receive a call after XX/XX/XXXX in which I called them back. They indicated they tried calling, but at a phone number I had not provided... therefore I was charged another late payment. 
I started sending my mortgage by mail as mortgage, the mortgage company stated was not in my name, only my husband 's. Faxed paper work to their financial office and stated house was also in my name... however they placed the account " To the Estate of ''. Recruited an attorney as Shellpoint indicated I may have to be qualified to determine if I can continue with this mortgage contract.This was per XXXX XXXX ( supervisor ). 
My lawyer indicated based on paperwork from our XXXX XXXX mortgage was also in my name. 
However, today I tried calling Shellpoint. ( as currently have tried paying on line but my account is not there )... or I'm not. Called shellpoint mortgage ... my social nor my husband 's 4 digits can not be found..nor are they able to find my property address. called their investor and she could not find my account even under the account number. My concern ; they will charge me yet another late fee, all of their run around has caused me stress as well as financial hardship when charged a late charge as I am now on a fixed income.As it stands now I do not know where I can get someone to help as you can not request customer service rep through their promps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a merchant account with Wells Fargo. My account was closed and I was told the funds would have to sit in the account for six months before my money would be released. I waited six months and Wells Fargo is still holding my money, everytime I call they say I have to speak to someone name XXXX but he does n't return my calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They are not accepting my payments. They accepted payment, and then reversed it. I am currently 55 days behind and have XXXX more payments scheduled, but they are a frad company with lots of hits for scams. They are going to try to scam me and they need to be stopped. I have no clue why they reversed my payment. The funds are in my account. They should have payment now made last week, but still show as not paid. The don't accept XXXX, so my online bank has to mail a check which has been done and then I have to wait for them to deposit said check which they have not done. They are a scam. My loan was recently transferred to them, I did not ask for this. I only owe XXXX on my home and do not need this aggravation. Shut this scam company down before they hurt more good people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was a long time customer of Wachovia and in 2015 a Wells Fargo CSR tricked me out of my seniority checking account With all it 's benefits and switched me and my husband to a Wells Fargo checking account. I lost all my privileges that l Had with my Wachovia account. It happened in XXXX, Pennsylvania branch. I was not happy and closed my the Account and opened a new account at 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 2017-03-23
Company: Lending Club Corp
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
lendind club do n't let us pay off our debt using other bank account. We have my ant wife living in XXXX and she give us ( money ) ( her account information for that purpose, ( XXXX account ). Lending club is unable to procedure whit a payment for that simple reason that account owner can speak XXXX and they can verify authenticity of the account because they do n't have a translator. or they are concern above the losing money in interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America referred my mortgage to a law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MN XXXX ( XXXX ) XXXX with a pending mortgage modification application. 

Bank of America is also reporting a mortgage escrow shortage that doesn't exist

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 2022-05-27
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to pay my mortgage since XX/XX/XXXX. Each time I try I am always a little short and they wont take what I have. I got a 2nd job and worked to get the money to get caught up. When I did it was just in foreclosure. I asked for a reinstatement they said they would send it in 3 to 5 days. I didn't get anything. I had to call several times and basically beg for them to email it to me. I got it and it said I needed to pay XXXX I talked to my account rep and told her that I had the money and it was in 2 different accounts. She said that was fine to send 2 payments as long as both of them got there by the date. I sent one for {$2000.00} and one for {$5700.00} {$2000.00} was XXXX XXXX  which was one of the options and the other a wire transfer directly from my bank. They returned the XXXX so I called they said to send it again and it would be fine. I did that and they returned it again. I called on Tues XX/XX/XXXX and was told they would send the XXXX back immediately and for me to send the whole amount. Which I would do except it is Friday and Monday is a holiday. They have promised me on 3 occasions that someone would call me back and nobody has. Its always 24 hours for a call back. I don't have 24 hours now. I just talked to someone and they have not even returned the XXXX yet however expect me to pay it by XX/XX/XXXX. They are now charging me a XXXX attorney fee and that is not right. I had the money to them when they wanted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of a previous CFPB Filing Case # XXXX In XX/XX/XXXX I reached out to Wells Fargo to have the PMI removed from my mortgage. 

I had Wells Fargo do a BPO ( Broker Price Opinion ) on my  property. 

The Value of the BPO that was given was {$380000.00}.

The BPO was done incorrectly - Please see previous CFPB Case for details. 
I included proof that it was done wrong and that the value of my property was not accurately assessed, both to Wells Fargo and in the previous CFPB case listed above. 

Wells Fargo refused to make any adjustments or corrections to the BPO or even have it re-done unless I paid for it to be re-done. 

This dispute went on from XX/XX/XXXX to XX/XX/XXXX where Wells Fargo basically said they would stand by the BPO findings.

I decided at that time to have an Appraisal done on the Property. 

The Appraisal Dated XX/XX/XXXX stated that the property had a value of {$410000.00} ( on the low side ).

Wells Fargo did remove the PMI due to this Appraisal.

This valuation was much more in line with the true value of my home and proved that the BPO was done incorrectly.

My request is that the PMI from the time that the BPO was done to the time the PMI was removed be refunded to me as the BPO done  by Wells Fargo was nearly {$30000.00} off in the valuation of 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 monetary relief
Consumer complaint received 2022-05-27
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had this card for over 2 years. Originally I had made a balance transfer and was informed that I had 2 years that I wouldn't be charged interest after one year they charged me all the interest from the balance transfer along with the percentage for the balance transfer for not paying the balance off in 1year. ( I was informed 2 years ). Called in and they basically said nothing could be done we mailed you the terms and conditions. I recently called requested a Supervisor I received a letter saying my Card will be increased even more in Interest. I called customer service and they said basically the cost of living and that Everyone is getting an increase. The supervisor call backs are in odd times where I am not available. I have called to try and work out a payment plan my minimum balance is way too much I am the only income in my home and XXXX ago just got a job I managed to pay my minimum during the pandemic even while unemployed Because my credit is important to me. The company has not worked with me to check about my original balance transfer promo period that charged back all my interest or help with my payments. Please assist me

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