BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank , NA, paid a check that was written for {$2000.00} for {$3000.00}. A {$1000.00} mistake. When the local branch was contacted in XXXX, Georgia, we were told that a " machine '' reads the checks and it was read as {$3000.00}. A copy of the check should be attached. As you can see at the dollar amount, there is a " comma '' after the number {$2.00} in the dollar amount of the check which makes it look like a {$3.00}. It is my understanding that checks are to be paid by using the hand written amount instead of the dollar amount written on the check. The hand written amount states " XXXX XXXX XXXX XXXX and XXXX cents ''. So what is this " machine '' that reads the dollar amount of the check instead of the handwritten amount and are consumers aware of this practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I want to apply for a bank account at Wells Fargo the banker told me I have already a bank account with this bank and I told the I have never apply for a bank account. But she told me the account was abuse so I told her I need to go the my local police department to file a police report. spoke with the fraud department they told me they was going to sent out a affidavit. So I received it and sign it fax it back to them. After 4 days I called the fraud department they told me the claim was denial and I ask them why it was denial I they told me the address match my id the signature match from the affidavit anyone can sing something like me so I would like to get this fix ASP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my credit report, I notice an account from USAA SVG BK that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters along with my Identity Theft Report to the three credit bureaus on XXXX XXXX and XX/XX/2020 asking them to verify or remove the negative report on my credit report that USAA SVG BK were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Profit Services Group
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a car accident XXXX/XXXX/2016. i had several bills including XXXX from XXXX. my account number XXXX. it took months for them to acknowledge my XXXX and XXXX information. i would call several times. in XXXX my auto insurance XXXX had to send out a letter to all the people left owing that i had exhausted the {$10000.00} and to please file with XXXX and XXXX. the supervisor at XXXX XXXX XXXX sent me into collections XXXX/XXXX/2016 ( he told me this morning ) because there was a conflict between XXXX and XXXX. like it was my fault? you know the rule, something about 90 days in arrears and it goes into collections. even knowing that it is being processed is my concern. eventually i found out by phone ( my call to XXXX ) that it was finally paid and i owed {$34.00}. that day XXXX i sent a check and it went through my bank account on XXXX/XXXX/16. on XXXX i get a call from Profit Collections wanting the {$530.00}. she wants proof its paid. i have no fax and no car. lost it in the accident. do n't you think it would be easier for Profit to call their Customer, XXXX instead of harassing me. they have harassed me again this morning. i am sick and tired of being harassed at home, under medication, trying to get well and NOT owing anything. are they all stupid? XXXX knows its paid. why do n't they call off their wolves?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2015 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX Acct # - XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/2016 My wife and I applied for a mortgage with WellsFargo. 
XX/XX/2016 Completed an RPA on XXXX XXXX, Ca XXXX, that included a security deposit of {$14000.00}, based on the assurance that Wells Fargo agreed to the timeline and that financing could be completed in order to not jeopardize the deposit and fulfill their responsibilities as dictated by the Truth in Lending Act. 
XX/XX/XXXX WF loan officer Loan officer emailed then called and spoke with my agent to tell her that the loan was approved. ( I have electronic copies of this email ). This approval was made with full knowledge of the agreed timeline and consequences if it was not fulfilled. Any concerns or changes to the timing would then be the responsibility of Wells Fargo to communicate to us as dictated by sections 1026.19 ( e ) and Section 1026.19 ( f ) of the Truth in Lending Act. 
XX/XX/2016 My agent sent email to loan officer to confirm that in fact the loan had been approved and contingencies could be lifted. An email confirming this was received by agent who then removed contingencies. ( I have electronic copies of this email ). This was an inaccurate statement which placed the deposit in jeopardy as the agreed timeline was not met by WellsFargo, making them directly responsible for defect in the closing agreement as dictated in Section 1026.19 ( f ) of TILA. 
XX/XX/XXXX My agent and I separately tried to contact the loan officer to make sure that we were all set to close on XX/XX/XXXX. He was on holiday in XXXX and not answering his phone '', " returning calls or responding to emails. After calling the loan officer 's branch manager and leaving a message, she physically went to the branch office in XXXX. She met with the branch manager who had not been informed of the details of our file. She shared the emails with him and he told her that the loan officer should never have said that and that he needed to coach him to not say that in the future. This was a direct violation of the Truth in Lending Act as they failed to provide accurate and timely information as dictated in Section 1026.19 ( f ). 
XX/XX/XXXX closing date was missed due to incomplete financing. Seller denied extension and communicated intent to keep the deposit. 
Loan manager admitted fault in loss and provided contact information to apply for refund of deposit of {$14000.00}. This was an accurate statement as they failed to provide accurate and timely information, violating the Truth in Lending Act.

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 2015-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Good morning, An employer whose fictitiously written a check in the amount of {$1900.00} asked me to work as a mystery shopper and XXXX XXXX XXXX, XXXX, as he stated that after shopping at XXXX for {$50.00}, keeping {$250.00} as payment for writing my survey, was to redeposit that XXXX money order back into my personal Wells Fargo account for the remaining balance of {$1600.00} for the next service agent 's survey. 

I contacted the initial XXXX party website at : XXXX ( XXXX XXXX of XXXX XXXX XXXX Police, XXXX, XXXX, CA ) whereby they referred me as an employee and later I informed him of this phising scam and so he took a report. I said to him {$1600.00} was redeposited into my bank account as XXXX XXXX fowllowed me with my cell phone and cash was passed onto the next service agent. At no time did I understand by the XXXX that this was a phising scam, but Wells Fargo Bank bounced a fictitious paycheck that cleared on XXXX/XXXX/2015 and then, bounced on the XXXX. By that time, the cash was already deposited into XXXX XXXX XXXX across the street and I lost out on the total of {$1900.00} for alias account holder : XXXX XXXX XXXX account no, XXXX XXXX XXXX. 

Please let me know if there 's any restitution for this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Wells Fargo VISA credit card for several years. In XX/XX/XXXX, I was unexpectedly laid off. My girlfriend at the time had developed XXXX and was unable to work.So without my job we were unable to pay the rent and were evicted. The Wells Fargo credit card was close to the {$600.00} credit limit, but I was continuing to make the minimum payment or a little more each month. In XXXX my credit card was suddenly almost {$100.00} over the credit limit. When I reviewed the charges online, I saw that Wells Fargo had approved {$100.00} for XXXX renewal. I immediately called Wells Fargo Credit Card Customer Service and asked that the charge be reversed, since they had authorized it despite the fact that it would put me over my credit limit. I spoke with several people, including " supervisors '' who told me that because I had an " ongoing relationship '' with XXXX they were justified in approving the charge and they refused to reverse it. When I was unable to pay the minimum {$120.00} the next month because I was still unemployed, Wells Fargo began to add late fees, overlimit fees and penalties to the amount owed, making it impossible for me to get caught up on the charges. Had the XXXX charge been reversed, I would still have had enough to continue making the minimum payments during those months. At some point the credit card was closed and put into collections. When I finally got a job in XX/XX/XXXX, I contacted Wells Fargo Credit Card Customer Service again to set up a repayment plan. I was assured by the agent that once I had paid off the amount owed ( about {$1000.00} by then ) the card would be re-opened. However, once the amount owed was paid the card was not re-opened. I was told that because of my prior poor payment history I did not qualify for a Wells Fargo credit card. 
When the CFPB reports of the illegal actions by Wells Fargo employees were reported a few months ago I called a special phone number Wells Fargo had to report suspected actions by its employees. I called and related the above and asked that my credit card be re-opened. I was told that my issue was not related to the CFPB reports because no account had been opened in my name. Therefore, I am filing this complaint with CFPB. Perhaps there is much more to investigate at 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 non-monetary relief
Consumer complaint received 2015-06-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I AM ATTEMPTING TO PAY OFF MY MORTGAGE - LOAN NUMBER XXXX - XXXX XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX. WE NEED TO LOCATE THE MORTGAGE SO WE CAN ACQUIRE THE EXACT PAYOFF AMOUNT SO WE DO NOT MAKE ANY MISTAKES AND THAT THE MORTGAGE IS PROPERLY CANCELED. THE XXXX XXXX XXXX XXXX WILL HAVE ALL NECESSARY INFORMATION REGARDING THIS PARTICULAR LOAN THAT WE NEED - THE XXXX TRUST, THE REPURCHASE DATE AS PER INVESTOR REQUEST, THE CURRENT LOCATION AND ANY DOCUMENTS OR INFORMATION SURROUNDING THE REPURCHASE AND TRANSFER WHICH TOOK PLACE. WE HAVE ATTEMPTED SEVERAL TIMES TO GATHER THIS INFORMATION DIRECTLY FROM XXXX XXXX HOWEVER THE SERVICE HAS BEEN FRAGMENTED SO WE HAVE HAD TO RESORT TO USING THE CFPB IN ORDER TO DOCUMENT THIS IMPORTANT REQUEST FOR INFORMATION AND DOCUMENTS REGARDING OUR MORTGAGE REPURCHASE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
State: MD
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:
This submission is more a suggestion than a complaint. 

Credit card companies should provide a running register of charges and payments. This would provide an up to date balance of the credit card. 

Pending charges would be added to the balance as they are verified. 

The current reporting system is not real-time but has a lags in between the times payments are sent, payments are received by the credit card company and payments are posted by the credit card company to the charge card balance. These delays do not exist for charges to the card, many of which appear within minutes of the purchase. 

The change would provide users a better tool for seeing the cards current status and for managing charges and payments. 

It is a simple accounting fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Alpha Recovery Corp
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have recently received two notices regarding medical bills that should have been paid by my insurance provider XXXX. I wish that the following agencies cease and desist in trying to collect on these debts as they are not valid : 1. XXXX 2. Alpha Recovery Corporation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: WELLS FARGO & COMPANY
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Made a $ XXXX+ payment on my line of credit ( LOC ) via a direct ACH transfer from one financial institution to Wells Fargo ( WF ) on XXXX XXXX. The funds came out of my account at the sending financial institution on XXXX XXXX. Wells Fargo credited the payment to my account ; however, seven days later the LOC is still holding that $ XXXX+ as unavailable. 

I called Wells Fargo to have the hold removed. Was advised that because of the high dollar amount, a 14 days hold was put on the account. Yet there was a way for the hold to be removed : if I have the sending financial institution send a confirmation of the funds being sent on its letterhead, WF would remove the hold within an hour. 

This solution does not sit well with me as it puts the burden on the customer - me - to facilitate communication between the XXXX financial institutions. Why do we in the USA have a banking system with clearinghouse capabilities if the customer is being asked to handle such functions. I feel that WF should have reached out to the other financial institution if confirmation was required. [ It should be noted that the WF customer service associated confirmed that WF had received the funds. ] Also, why hold the LOC for 14 days if the hold could be removed within an hour with such communication? 

As of today, the LOC still has a hold.

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 2016-02-04
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I put an offer on a new construction home by XXXX. They have an affiliate lender Advisa Mortgage. I did a pre-qualification on their website while I was rate shopping to find out what their interest rate was. When we decided that they had the favorable loan term I did a joint loan application that included my husband 's information. 
Advisa Mortgage had sent loan document for me to sign based on the pre-qualification I had done. I initially refused to sign the documents because the application information on there was preliminary and not a complete picture of my debt situation. The Loan officer however sent me an email stating that by signing the documents I was not agreeing to what was on there I was just acknowledging that I got the documents and he needed it signed to unlock the loan record. So I signed. After he looked at our joint application he decided that our debt to income was too high for us to be able afford the house and to be approved. We told him that if that is the case then we do n't want the loan. We proceeded to tell the seller that our debt to income was too high and we ca n't get approved for the loan. Advisa proceeded to tell the seller that because most of the debts were in my husband 's name they can approve the loan if they take my husband off the loan and do the loan just in my name.they can approve it that way. The seller then stated that we would forfeit our earnest money if we do not get the loan that is just in my name as was being offered by Advisa. We feel like this is predatory lending on Advisa 's part because they clearly know that there is these debts that are in my husband 's name that I am still responsible for but they are forcing us to remove my husband from the loan as a way to hide my debts and approve a loan so they can get commission from the loan as well as collude with the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: WELLS FARGO & COMPANY
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargos teller deposited a check made payable to me into a dealerships account without my notice or my signature. Please see the attached letter that I have sent as a final means of communication to Wells Fargo to stop the harrassment, roughly 10-15 calls a day and anywhere from XXXX-XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: SYNCHRONY FINANCIAL
State: UT
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:
XX/XX/2018 payment was on time. Company acknowledged error over the phone and has never corrected.

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 2016-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i originally opened a checking account with XXXX XXXX. XXXX was bought by Wells Fargo. the terms of the account was that it would be a free account. once again, Wells Fargo is attempting to change the terms of the account and charge basic fees for me to remain a customer. there is no address at which to file a complaint. there is no email address. i called. the rep had no power to do anything. i requested a response to my complaint, in writing. have heard nothing from 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 2017-03-19
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Our numerous requests to Wells Fargo Bank for reimbursement of funds held by the Bank after our successful request to close our account have been ignored, this included a letter to The Board of Directors sent on the XXXX XXXX 2017. 
I include attachments of mail XXXX and Certificate

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