BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian reporting a collection agency in my report but they have different social security number and I was deny a mortgage loan for that issue.

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 2015-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I attempted to do a loan mod with Wells Fargo. At the time I could not afford the monthly payments but I was current. Wells Fargo would not return my calls so, at the advice from my attorney, I stopped making payments. They now returned my calls. During that time I filed Chapter XXXX bankruptcy and had my XXXX home loans discharged. I went through the loan mod trial payments process successfully but Wells Fargo rejected my loan mod saying the XXXX lender would not subordinate ( this took 2-1/2 years XXXX. I hired an attorney to try a second time to get the loan mod and, after a year and more trial payments, Wells Fargo provided a loan mod document subject to the XXXX lender subordinating. That lender still would n't subordinate but would agree to a payoff. I received the agreement from the XXXX lender, faxed it to Wells Fargo with the knowledge the lien would be removed within 3 days of receiving my payment. Wells rescinded the loan mod saying I took too long. Wells gave me 20 days to solve the problem but it took me about 45 days. I was at the mercy of the XXXX lender 's time table. I met Wells Fargo 's loan mod criteria ( trial payments - twice ), I have the ability to make the payments, I can satisfy Well 's requirement to remove the XXXX lien but they are insisting on foreclosing. In addition, I can qualify for a new loan ( refi ) but under bankruptcy rules I can not obtain a loan until a waiting period which expires XX/XX/XXXX. How do I save my home?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother was diagnosed with a XXXX XXXX. She owned a home and until she became sick, she paid on time every month. She had to be placed in a XXXX but had intentions of returning to the home. I, her son, contacted Wells Fargo who holds the mortgage to tell them the circumstances and got in touch with their home preservation department, specifically, agent XXXX XXXX. For over a year I submitted all the documentation they required, made phone call after phone call and was told the loan mod was approved. I was to wait to receive paperwork and sign the papers with a local notary. This process went on for a year and half. I would call, and I have the vast majority of these calls recorded. During the final steps of the loan mod, after a year and a half, my mom passed away. I immediately called wells fargo to see what we ndo now. I had a transfer upon death deed made to me by my mom. I sent all the information to wells fargo. Wells fargo refused to talk to me from that point on saying I was not authorized, even though I was authorized for a year and a half. I happen to look online and as of 4 days ago, wells fargo submitted a petition of foreclosure through the court. I have asked Wells Fargo for over a yaer and half who to pay, how much to pay, when to pay and was told hold off, hold off. Now the home is in foreclosure???

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 2017-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
We endorsed and signed a Warranty Check to Wells Fargo the insuranceclaimscheck, of which they placed into an restricted escrow account. This check was issued XXXX/XXXX/XXXX. and deposited on XXXX/XXXX/XXXX. The time lapse between receiving the check and depositing the check is because Wells Fargo was confused on how to handle and make the funds available. On XXXX/XXXX/XXXX ; XXXX sent in a estimate on how much it would cost to fix the foundation. After fumbling around for weeks, back and forth with different representatives they did n't understand or knew what they were supposed to do, after specking with a representative at the local bank, ( XXXX ) became interested in trying to get to the bottom of the issue. Thanks to ( XXXX ) we were finally able to get someone to handle the check. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, the local banker ( XXXX ) XXXX and XXXX the home owner ; became very frustrated with being toss around as if no-one cared about taking care of our situation. Finally after 24 day of fusing and waiting, Well Fargo released a check for the lifting of the foundation. Now that the foundation is done, calling Well Fargo to know our next steps. We are told that we must have the plumbing checked. On XXXX/XXXX/XXXX, the estimates were sent in. We did n't receive a check from Well Fargo until XXXX/XXXX/XXXX ; this was for the plumbing hydrostatic test. The plumbers came out two days later. Right after this test, the paperwork was forwarded to Wells Fargo insurance claim check. We were told that because we were using he same company that we did n't have to send any other information dealing with the company. Well that was a lie ; we had to get the proposals signed by the plumbers and home owners plus another conditional waiver of lien, of which we were never told nor called. So four days later, I call. Now I 'm told that we must have an inspector out to the property to inspect all that 's been done. Well ; Wells Fargo was call back in XXXX XXXX about sending an inspector out to the house because that is what they told us and this information is also on the home recovery kit. So now we are placed on hold again because of Wells Fargo slothfulness and we are tired of they treating us this way. Our home plumbing system backed up because of not releasing the fund so that the plumbing could be fix. This is just extremely too long of a process and no-one should have to go through this.We are still waiting on the inspector and the plumbing to be complete.

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 2016-07-09
Company: WELLS FARGO & COMPANY
State: MT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently opened a Wells Fargo account so that I could deposit money for rent, after a short time, my wife and I decided to use a joint account through another service. I emailed Wells Fargo and asked them to close various accounts, a few days later, I noticed I was still receiving alerts from them in the mail. I checked my account and saw that I had an outstanding balance in their credit card service. I called and asked that this situation be resolved, which I assumed it was. I then saw further notifications, and again emailed them, and was told I did n't request to close ALL of my accounts. I called again, and went through various channels, and was told that someone did not properly close my credit card account as promised, but after 50 minutes on the phone, was assured this would be fixed. 

To my dismay, this issue has still not been resolved, and I still have a credit account with Wells Fargo that shows an outstanding balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a business checking account at Wells Fargo with an initial deposit of {$5000.00}. The gentleman who set it up told me that there was some sort of automatic transfer that would make it not incur fees. I never used the account - never wrote a check, never made a deposit, never made a charge - and then when I came back two years later I had {$4400.00} remaining in the account. I could n't believe my eyes ... {$540.00} in charges to just hold the money in a checking account! I think maybe what happened is they charged me a fee that put me under the minimum and then they charged me a ton of fees for being under the minimum.

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 2016-09-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is about a Home Equity Line of Credit that I have had with Wells Fargo for about two years. On multiple occasions ( at least 10 ), I have made principal only payments in one form or another and Wells Fargo consistently pre-empts the regularly scheduled " auto pay '' feature I set up to pay the minimum amount due and applies my payment to that minimum and then applies any additional amount to the NEXT month 's payment. When I call to get it fixed, they always apologize and change things around for me but in effect I am losing the benefit of those principal payments because the new minimum amount due and interest charge has been applied to a larger principal amount than it would have been if things had gone the way I had originally intended. The customer service people are always very nice about it all and assure me that if I let the auto-pay come out first ( it is due on the XXXX or XXXX of each month ) and then make the principal payment before the closing date ( usually between the XXXX and the XXXX of each month ), it will go the way I want. You can see that it is a short window that I have to do this maneuvering. Last month I did just that, waited for the auto pay to go through on the XXXX, walked into a branch and made a " principal only '' payment on the XXXX. Then on the XXXX when my new statement came out, it looked as though they had applied my principal payment partially toward the next month 's regular payment! I called and they " fixed '' it, but again, the new principal balance had been calculated without the benefit of my full principal payment. Since this is a variable rate loan, and part of my loan is a fixed rate portion, it is next to impossible for me to calculate the additional interest that I have been charged over the past two years due to these " mistakes '', but I know that it is not in my interest to " pre-pay '' my next month 's regular bill instead of paying down principal.

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 2015-04-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a FHA mortgage. I have been trying to modify my mortgage for the past XXXX yrs with Wells Fargo on my own. I have given them everything they have asked for but kept getting denied. I have not been able to get approved but no luck. I also hired an attorney to help me with loan modification. My attorney has tried at least XXXX times also denied. My attorney has gotten the same result. Now my arrears are over {$130000.00}. Now I have a sale date for XXXX/XXXX/15. Now I am going to lose my home. I need your help to stop the sale and would like for someone to investigate my file with Wells Fargo if I have been treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2020-12-18
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
on XX/XX/20 i recieved a voice mail from phone number XXXX which showed as a spoof call from XXXX Texas area code from a man named XXXX XXXX from Minnesota claiming to be a lawyer from Direct Recovery Services saying that i need to call XXXX before XXXX local time to make some kind of prepaid debit payment within 24 hrs or the local police department would be out to my home or work to effect a arrest warrant.of course no one ever came and we knew that it was a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: NCSPLUS INCORPORATED
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to visit this doctor for the first time. I clearly made an appointment with his doctor with my dental insurance which they also made a copy of. If this was a paying visit why was I not charged before services? They clearly took my dental insurance as they made a copy of my insurance card. Not sure why I my credit is being damaged for a medical bill when I have insurance coverage. I have attempted to contact this carrier several times to no avail

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I set up for on-line to pay bills, XXXX of payees were sent to incorrectly. Called to let them know, had tooken place on XX/XX/2016. Took my info, and stated they would start an investigation for payments. Informed me it would take 10 days. As of today it has been 12 days with no response from Wells Fargo. Because the institution sent the payments, I would get funds returned immediate. Called today and was on phone with XXXX different representatives, with no avail. 
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 2016-05-12
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX attorney at law sent a threatening letter implying it 's law offices were part of a collection team, out to sue me for XXXX dollars. 

They are connected to Southern Credit Recovery, they " charged off '' my debt even though i had paid it, and never actually wrote it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/2016 I checked my bank account at Wells Fargo they had withdrawn XXXX from my advantage checking account to my other checking account because it was overdrawn and I was not given any notice I called customer service they said when I sign up for Wells Fargo I sign a paper stating that they have the right to cover any overdrawn accounts but they never gave me any sort of notice so right now I have debits out there and checks coming in that are going to be charged for NSF fees the customer service rep gave me the overdraft number for me to call on Monday I even message Wells Fargo on XXXX and a woman named they only said that she will review it and get back to me and I have not heard anything from them I 've been with Wells Fargo for over 8 years and this is XXXX of many problems. I have even reported them to the XXXX for constantly calling me about them calling my number XXXX and XXXX times a day every day even on the weekends including XXXX and XXXX so I have numerous complaints into the XXXX but this XXXX is my main concern they withdrew money without me letting me know and giving me a chance to cover my overdrawn account.

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 2015-08-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Wells Fargo Home Mortgage had offered me an incentive to complete a Deed in Lieu on my home that I could no longer afford. That process started in 2013. I abandoned the home on XXXX XXXX, 2013 as required by the documents from Wells Fargo. This was an extrememly long process and the home was just transferred out of my name recently. The home has been sold and new occupants are in the home. My incentive money is no where to be found! When I try to call Wells Fargo I get disconnected because my loan number with them is no longer valid, obviously. Customer Service transfers me everywhere except to a real person who can answer my questions. I was promised an incentive of {$2000.00} to complete the Deed in Lieu.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
False accounts and false accusations of fraud resulting in the closing of my checking and savings and credit card and a negative XXXX balance never asked for a savings account with them in which Is the account they flagged for fraudulent activities now I fear my name will go into checks system and im out XXXX dollars.

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 2020-12-19
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Roundpoint Mortgage Account No XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Loan refinanced/paid off XX/XX/XXXX Debited my personal checking account XX/XX/XXXX for {$3000.00} How can they debit for a mortgage payment that has been paid off? Called and they said it was my fault because of an online request? Regardless of what the request may have been for, the loan was paid-off. Now being told have to wait 5 working days, and then they 'may ' be able to request a check be issued to me? And they can't XXXX  so I'm looking at not getting my money back until possibly the 2nd week of XX/XX/XXXX? And they can't credit my account, then how is it that they can debit my account?

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 2016-05-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I submitted a dated written statement that described the emergency, specifically modified the waiting period from three days to two hours with my signature as the sole primary liable on the legal obligation in accordance with 12 CFR 1026.19 ( f ) ( 1 ) ( iv ) " Consumer 's waiver of waiting period before consummation '' to Navy Federal Credit Union regarding mortgage loan XXXX. Navy Federal Credit Union refused to recognize my legal right to modify the waiting period resulting in the fruition of the emergency I was trying to avoid. Their refusal to acknowledge my consumer right directly resulted in a bona fide personal financial emergency coming to fruition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My funds are no longer secure at Wells Fargo. Advertisements have infiltrated between line items of my checking account online, a breach of ethics and privacy. I have tried from XXXX, 2016 to present, at the corporate level, to have them removed and get an answer as to why it was initiated XXXX XXXX # XXXX XXXX. They have been unable or unwilling to remove them. I have lost control of my account and so has Wells Fargo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no association with the mentioned creditors, and I did not initiate the inquiry in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On Sunday XX/XX/2017 my attorney went to charge card {$500.00} I had {$570.00} deposited. See attached. 
Wells Fargo mysteriously decided to put a " limit, '' on what my debit card can be charged daily. This was made up on the fly and never existed before nor I had I been subjected to such ridiculous restrictions with my debit card. 
I do not appreciate the wrongful interference on the part of WF and their Fraud department hiding behind false claims of fraud when there was no fraudulent activity in the first place reflected on my bank account. All my charges are tracked online and there was nothing out of the ordinary and there was no need to " flag '' my account for fraud. 
The entire time I 've had this card I was able to charge over {$500.00} a day and never had a problem with it nor has my checking account flagged for fraud. This so called fake new " limit '' ( and excuse ) placed by Wells Fargo is not for withdrawal at an ATM it is for charging my card which has funds available. I am sure Wells Fargo will provide lame excuses about how they are protecting my account when in fact that is far from the case. 
This was deliberate, and unacceptable. Wells Fargo is corrupted.

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