BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-11
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for and received a credit card through Wells Fargo Bank. A promotional offer with the card paid a {$100.00} bonus after spending " X dollars '' ( I do not recall the exact amount ) in a 3 month period. I achieved this level of spending yet did not receive my {$100.00} bonus. I contacted Wells Fargo regarding this matter and was told there was a " glitch in their system '' ( words used by Wells Fargo XXXX and that my {$100.00} would be paid the next month. This happened for several months in a row until someone at Wells Fargo manually made the adjustment and paid me the {$100.00} they owed me. XXXX of the Wells Fargo agents told me that it was good that I had called and pursued this matter because the {$100.00} would have never been paid and would have rolled forward to following month " forever '', due to the " glitch in their system ''. 

I fear that other customers may also be owed a payment by Wells Fargo, but will not receive their money because they are not as persistent as I have been. 

After I received my {$100.00} from Wells Fargo, I requested compensation for the time and effort I had to dedicate to correcting this matter. I made numerous phone calls to Wells Fargo over the course of several months to settle this matter. My case was elevated to the Wells Fargo Corporate Office and I was assigned a XXXX and a Case Number. This department ( and my XXXX XXXX ) ignored over XXXX phone calls and voice mail messages from me. Only after leaving messages in general voice mail box did someone other than my XXXX XXXX call me back. 

I am still requesting compensation for my time and effort to correct a problem created by Wells Fargo. Wells Fargo refuses to do so. 

I will close by adding that I have been a banking customer with Wells Fargo for nearly XXXX years ( with substantial deposits ) and have had a generally positive experience with the organization, until now.

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 2017-07-16
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The last few years I have had my loans auto debit for interest only payments. The reason for this is because they for some reason could not offer a repayment option that could be affordable for me. So they said they could only offer after my deferment and forbearance options were used up was interest only payments for  XXXX  dollars per month. This was just so I could avoid the account going into default which I felt I was being threatend with. Well the thing about the interest only payments on auto debit is when they choose to end the the interest only payment on auto debit they change it to a full payment without informing me that it was changing or asking permission to do so. As far I 'm concerned it is a form of fraud. Just because they have my account number does not allow them to do as they please with it. This happened to me most recently today  XXXX / XXXX /2017. I had a car insurance payment I was expecting to have the money for now there is nothing in my account to cover it because they took   XXXX   dollars out instead of my expected   XXXX    dollars. My car insurance needs   XXXX   dollars or I will be cancelled on me. I thought by now in my lifetime I would have been done with my student loans considering it has been nearly 17 years since graduating. Navient is not very helpful especially when concerning my money they only care about their income. My name is   XXXX   XXXX   XXXX   and I am sick of feeling like I ca n't move forward with my life. It 's a never ending assault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I paid this account off almost 3 years ago and it has not been removed off my credit report. I tried calling the customer service department this week  XXXX - XXXX  ( I can not recall which day ) to see if they could help me out by removing this off my credit report since it has already been paid off but they rudely said they could n't help me and that they would not remove it off my report. The customer service was very rude to me when I tried to talk to them and ask them if they could help me out by taking it off for me. I asked to speak to the manager but they also treated me very rudely and also said he could not help me out. I would like for this charge off to be removed because it would help increase my credit score and it would allow me to qualify for a home that I am trying to obtain for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed this inaccurate data fro over 2 months, They are not giving me a date of when I can expect to have it complete or resolved or to confirm. I have included my efforts, as you can see they have it listed under dispute with no due date, it has been in limbo almost 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus,  XXXX ,  XXXX , trans union. It is making it difficult to obtain credit. Please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a request to Wells Fargo Home Mortgage to close an escrow account on XXXX XXXX, 2017. At that time I was informed by Wells Fargo that it takes them 7-10 business days to close an escrow account. Due to an issue with Wells Fargo applying funds to my account, the actual account closing was n't processed until XXXX XXXX, 2017. The account was actually closed by Wells Fargo on XXXX XXXX, 2017, XXXX business days later. According to Wells Fargo a check was cut on XXXX XXXX, 2017. Since I had not received the check from Wells Fargo by XXXX XXXX, 2017 I called them back to inquire as to why I had not received the disbursement. The representative informed me that a check was cut on XXXX XXXX, 2017. However, after inquiring further and after the representative dug further, apparently the check was not actually sent until XXXX XXXX, 2017, XXXX days later or 3 full business days. I believe that this is a intentional effort by Wells Fargo to delay sending funds to their customers in order for them to take advantage of interest earned on balances held during the float period.

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 2017-07-16
Company: WELLS FARGO & COMPANY
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:
1.   XXXX   XXXX   2.  XXXX  3.   XXXX   4.   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX   7. Wells Fargo Bank 8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under 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 non-monetary relief
Consumer complaint received 2016-11-23
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with Wells Fargo and have been impacted by the flood of 2016 in Louisiana. Wells Fargo is showing favoritism to customers by denying full release of checks to us while fully releasing checks to others ( who we understand have family employed with Wells Fargo. ) Our settlement check is for {$230000.00}. The other person 's check is for approximately {$200000.00}. According to a letter dated XXXX XXXX, 2016 from Wells Fargo we were declined the release of this check due to the amount. " On XXXX XXXX, 2016, another customer of XXXX XXXX, LA was notified of a full release of their check and was given funds from the local bank. They also received a certified letter from Wells Fargo in early XXXX prior to Wells Fargo receiving their Proof of Loss statement notifying them that they would be able to have their check fully released to them. On XXXX XXXX I contacted Wells Fargo and spoke to XXXX XXXX in the Property Loss Department and asked what was the criteria to have my check fully released. He stated that it was based on the amount of the check. I explained to him that a customer received a letter notifying them that their check would be released and this was sent without Wells Fargo knowing the amount of settlement. He then sent my call to XXXX who is on the Resolution team. I asked the same question and was told that it was not based on credit, standing, loan to value or any other criteria but simply based on the amount of check. Checks at $ XXXX would be released. He stated that if someone received that letter without knowing the amount of claim, " then that letter must have been sent out by mistake. '' At this point, I requested that my check be released to me in full stating that we our outstanding customers, never in default, professionals, willing to provide past 2 years tax returns, great credit scores and that we had a vested interest with substantial equity in the property and were not a high risk. We were declined. We have been continuing to make repairs to our home. Wells Fargo has completed an inspection on the property and determined to be at 50 % completion and this is without using the settlement check that I still hold in my possession. We are no different than the other customer other than we do not have a family member working for Wells Fargo and we have completed 50 % of the work while the other customer has done 0 % to rebuild their property. How is it possible that consumers can be treated differently as such? We can provide names and documents to substantiate our claim.

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 2016-06-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX I received a call from a Wells Fargo rep stating that to avoid forclosue on my home I was to pay XXXX by XXXX XXXX. She gave me both the amount and date. I went to local branch on that day to pay and the local rep called in on how to proceed with payment. She was informed that I actually went into forclosue the same date of the phone call. I was then told I would have to be sent a reinstatement letter and pay that by due date. They never sent. I called back again and they apologized and would send another. I got it and it was XXXX more than the initial agreement. I called to dispute as the deal originally was past due payment only, no late fees or anything else. The reinstatement had late fees and attorney fees on it. They then put my account to review for the dispute. Then delayed the outcome of the review at least once maybe twice. When I finally got an answer they said everything was handed properly from their side. Admitted that the original called had given me the dollar amount but said no where on the tapes did she give me that date. Which is an outright lie. I requested a copy of the original call recording and they refused that unless they were court ordered to. If they have nothing to hide why are they refusing? They are trying to pull a fast one on me as they have to many others. It is n't right and I wo n't stand for it. I want a copy of the original recording. And I want them to come to an agreement on the original deal. It will be more now, yes but it should be what was promised in the beginning. All past due payments. Late fees on the back end and absolutely no lawyer 's fees as this is there companies mis communication not mine. I have been trying to pay since XX/XX/XXXX but I wo n't pay what was not agreed upon. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/16 I used a foreign ATM Platte Valley Bank they charged me a {$3.00} user fee to use the atm, and then later that day they added an additional {$1.00} fee without explanation. The terms and fees were not listed or displayed on the terminal. plus this buck XXXX is after the fact

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: JPMORGAN CHASE & CO.
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:
1.   XXXX   XXXX   2.  XXXX  3.   XXXX   4.  XXXX  5.   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9. Chase Bank To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I moved out of XXXX XXXX Apartments and spoke with the office manager. She stated I did n't owe anything. 3 months later, I got a letter stating that I owed an amount from them ( do n't have the letter ). I contacted them. Received an email stating that I owe {$570.00}, but was not notified via regular mail. Six months after, I received a letter from the collections agency stating that I owe {$870.00}. I have attached all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: PNC Bank N.A.
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:
1.   XXXX   XXXX   2.   XXXX   3.   XXXX   4.   XXXX   5. PNC Bank 6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: REGIONS FINANCIAL CORPORATION
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:
1.   XXXX   XXXX   2.   XXXX   3.  XXXX  4.  XXXX  5.   XXXX   XXXX   6. Regions Bank 7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under 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 2015-12-04
Company: GFS, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I even have on my greeting that if it is a solicitation to remove me from whatever list, yet I continue to get a call from them AT LEAST once a day, sometimes several times per day. They never leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2016-04-15
Company: TCF NATIONAL BANK
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car loan was funded by Gateway One Lending. They sent me a welcome letter, saying my statement is on the way. But they never sent me a statement. I called 2 times for a copy and none arrived so I paid over the phone. Then after several calls to gain online access, their page says there is no statement available for the XXXX XXXX due date. No one has given me a clear answer on where my statement is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: TCF NATIONAL BANK
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My loan was 33 days past due and I was threatened. I have the saved voice mails as examples.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation