BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-01
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card
Issue: Credit determination

Complaint:
I have XXXX separate credit cards that were with Chase Bank, both were charged off in XX/XX/XXXX. I received the IRS bill for taxes on the forgiven amount which I paid which shows that it changed the status of my XX/XX/XXXX and XX/XX/XXXX tax returns ... However, Chase is still reporting to the credit bureaus that I owe the debt. I have been in the process of trying to get a home loan for the past 5 months, this issue has held up the home loan for that time, 5 months now. Myself along with my bank and a credit reporting agency they work with ( core logic ) have all been in communication with Chase Bank, but nothing gets resolved, just a run around, ... Again, the issue is that Chase should be required to report the truth, that these XXXX accounts were charged off in XX/XX/XXXX, instead of showing the debt is still owed, our continued efforts, myself, my bank, and credit agency have not produced any results from Chase, ... Therefor I am submitting my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX of this year I applied for a student loan consolidation with Wells Fargo to get a lower interest rate. My current loans were already with this bank, I had a good credit score and a cosigner so I figured it would n't be a difficult process. I was wrong. They offered an extremely high interest rate and could not give me an explanation as to why. After filing a complaint with the CFPB, they finally agreed to give me a 1 % discount on the consolidation. However, months later I realized that this is still not affordable for me. These past few months I have depleted my savings trying to pay these student loans and my other federal student loans. I asked for a temporary forbearance and was told the consolidation loan had to be at least 9 months old before I could be granted a forbearance. I then asked what my options were, because I am trying to avoid defaulting on my loans. The customer service rep encouraged me to apply for a loan modification instead, and if my loans were deemed un-affordable they would lower my monthly payment. I was told that upon reviewing my credit that my loans were actually affordable. This is not my reality and now I am forced to pay less than the minimum amount required because I can not afford to continue the payments I had been making. I do not want to default on these loans, but my servicer is not providing me with any other options at this time.

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 2016-01-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've sent Equifax XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Equifax takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi, I have previously submitted an issue I was having with Wells Fargo regarding modifying a loan. The previous issue was addressed and I attempted another modification. however, I was denied this latest modification based on the incorrect amount Wells Fargo used for my income, even though I spoke to underwriters and submitted paperwork to support approx XXXX a month in income. I received 2 denial letters in the mail on the same day, for the same loan, with XXXX different monthly incomes {$XXXX} and {$XXXX}, not the {$XXXX}. ( both were incorrect and off by over to {$1200.00}! ) ... I proceeded to appeal and explained the issue was later told that the appeal was denied due to not being able to find a program for me, ( they ran the incorrect number again ) not based on the incorrect amount that was submitted ... I spoke to underwriters prior to the modification to be sure that all of the income is correct and was able to be submitted ( {$600.00}. in financial contribution from my brother ( for my elderly mothers care ) was denied because he does not reside in my home ) other than that and using 75 % of the rental income ( which I did ), I was ok 'd with income which total was ( minus the unusable income ), approx {$XXXX}. per month. 
I did this modification with the assistance of New Jersey XXXX XXXX and they also ran the numbers for me to assure it was done correctly. 
I have tried to direct contact my previous point of contact from my last modification attempt, but I get rerouted to a reentry program. I have a sheriff sale on my house set for XXXX XXXX and I would like to try to resolve this issue with Wells Fargo and modify my loan with the correct amount of income before I lose my home. Thank you for any assistance you may be able to help me with, as I still wish stay in my home and raise my XXXX children. Regards, 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 2017-02-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received the following email from Wells Fargo. This is not my account or my name : XXXXXXXXXXXX XXXX XXXX ( 5 days ago ) to me Dear XXXX : Thank you for your continued business with us. Your relationship is important to me and I appreciate having the opportunity to assist you. My goal is to help you succeed financially and to provide you with an exceptional level of service, while ensuring your service requests are met. 
If you have questions, or would like assistance or information, please call me using the information below. 
Thank you. We appreciate your business. 
XXXX XXXX XXXX ( CSSR, Personal Banker ) Office : XXXX XXXX XXXX Direct : XXXX XXXX XXXX XXXXXXXXXXXX My reply : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 2 days ago ) to XXXX. 
This is not my account. I am not XXXX XXXX. Please correct this. 
And his : XXXXXXXXXXXX XXXX XXXX ( 34 minutes ago ) to me Thank you for your respond, we will correct this right away. 
Thank you again. 
XXXX XXXX XXXX I am concerned because of recent findings that Wells Fargo has opened accounts illegally ; I do have a checking and a savings account with them but not as described in that email. Thank you, 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 2015-11-27
Company: WELLS FARGO & COMPANY
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo had withdrawn all of my personal accounts without my concent. They took over XXXX just in my personal account funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a Wells Fargo Customer since XX/XX/XXXX and have never experienced such injustice with this banking institution. On XX/XX/XXXX I called to check my balance and was shocked when I heard I had {$200.00} In overdraft fees. None of my bills are automatically debited from my account so that immediately did not make sense to me. When I spoke to a banker she informed me that my account had been debited for {$300.00} and thatts how I came to have the {$200.00} overdraft fee. She gave me the companies name and I assured her that I never authorized a payment. She then transferred me to the fraud dept and they assured me that my money would be returned including my overdraft fees. A few days later I called back to check on the case ( case # XXXX ) and was told by another fraud dept representative that the case was just sitting because it was not listed as an unauthorized payment. To add insult to injury my paycheck came in my account through direct deposit days later and the {$200.00} overdraft fee was paid out of my hardworking money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Denial for Gap in Employment ( Husband ) no letter from Navy Federal Credit Union ; Navy put us in for the wrong Mortgage Loan put The XXXX in for First Time Home buyers ; Misled closing Attorney by sending documents for them to close on Loan : We determine we was put in for the wrong type Loan, Navy put us in for a First Time Home Buyers and I ask that question back in XXXX 2016 who decided that type of loan, this correspondence was sent via Navy message but never got corrected by Loan Officer ( XXXX XXXX ). XXXX sent an email saying approve to move to processor and she ( XXXX ) will be get in touch to prepare the XXXX for closing. The closing Attorney said the file was given to him a week before the closing date XXXX XXXX, 2016 so he can prepare for closing. I phone and XXXX told me XXXX said was not going to make closing, why was n't we notified about closing. Navy never told us to extend closing and now all involve was misled about closing on my future home. the final, the XXXX call XXXX Monday XXXX XXXX, 2016 later that day and she told us we was denied because of my husband GAP in Employment. We do n't believe XXXX XXXX followed the attached email from XXXX HR contact XXXX XXXX XXXX to verify his employment, the email is attached and why was n't the employment verification done weeks in advance and then we was told the Loan was Denied wholly off XXXX gap in employment by XXXX over the phone the same day she contacted his employer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
( Please reference these case numbers ; XXXX,XXXX,XXXX ). 

On XX/XX/XXXX we contacted XXXX XXXX, a point of contact through Wells Fargo requesting a copy of our amorterzation schedule. We have been paying our trial payments since XX/XX/XXXX. They have made promises to get us information, but then with hold it. 
If Wells Fargo ca n't tell us what is in our modification how can we as troubled borrowers feel we are getting a fair process to avoid foreclosure at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to call my unlisted phone number. I am on the do not call list. I do not owe any debts. They have been calling repeatedly. They did something similar a few years ago with a different number when I did not owe any debts. When I called them at that time they tried to obtain my personal information like my social security number. I would not give them the information and evidentially they quit calling. They have started calling again on my new number. They are probably calling the wrong person again but I am tired of this company repeatedly calling me when I owe no debt. I have a credit rating of XXXX. When they call it is a recording and there is no one to tell to quit calling. I would like to have the harassing phone calls stopped. They need to find the correct phone numbers when they are calling for a debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-10
Company: WELLS FARGO & COMPANY
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have XXXX accounts with Wells Fargo. I was told when I opened them that my checking would be linked with XXXX of my savings account which was the primary savings account-meaning more money in it to avoid any over draft fees. I received fees when I had money in all XXXX accounts including the credit card account which would be the XXXX. I want all the fees back and in a timely manner. They are rude, disgusting and when the fees are returned I will be shutting down all XXXX accounts and going to another bank. Tell me how you would charge overdraft fees when all XXXX accounts have money in them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
charged {$280.00} on citi business card on XX/XX/2020 but never received merchandise. 
complained to citi and merchant merchant acknowledged failure but said credit not possible because they had never received payment from citi. despite sending e-mail from merchant confirming this citi on XX/XX/2020 dismissed my complaint and demanded payment. this appears to be FRAUD and ASTTEMPTED LARCENY by citi

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 2015-07-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My Experian credit report shows a write off on my Wells Fargo Dealer Services account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX as well as XX/XX/XXXX XXXX and XXXX XXXX. I have made repeated attempts to clear this up. The account was paid in full in XXXX XXXX with no late payments or write offs. The account was opened in XX/XX/XXXX XXXX for a 48 month car loan. I received the tile release and a letter stating the account was paid in full in XX/XX/XXXX. 
Now they are claiming write off? I have called and written Wells Fargo and they tell me they do not know. There is no way after sending a paid letter and a lien release that they would write off something in XX/XX/XXXX and XX/XX/XXXX.What car loan company send a title release when the vehicle is not paid for?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After my income dropped and I exhausted all my inheritance in XXXX of XXXX, I made my last payment of {$2800.00} on my first mortgage loan with Wells Fargo Bank. I then contacted their Home Loan Department to see if I would be able to apply for a loan modification. I was given a 3-month moratorium to complete the loan modification application process. I filled out a modification packages at least nine times, each time to no avail. The bank kept asking for the same information over and over again. Finally out of frustration, I contacted the legal department of the California XXXX XXXX in XXXX of XXXX. The XXXX then contacted Wells Fargo 's legal department on my behalf. Shortly thereafter, in XXXX of XXXX, a Loan Preservation Specialist situated in a local XXXX branch contract me. I filled out yet another modification package and was denied again sometime in XXXX XXXX. 

In XXXX of XXXX, another Specialist from the Recovery Care Department contacted me. I worked with this Specialist for well over a year. And in XXXX XXXX, I was denied again, because for the first time, Wells Fargo informed me that the investor holding my loan was not part of the XXXX program and because of the type of loan I had, I was not eligible for any kind of loan modification. This after a whole year of providing the same paper work over and over again and obtaining a commitment from XXXX to provide funds towards paying down my arrears! Did n't Wells Fargo know from the start what kind of loan I had? 

On XXXX XXXX, XXXX a notice of foreclosure sale was posted on my front door. A week later the sales date was canceled. On XXXX XXXX, XXXX there was another notice posted on my door with a sales date for XXXX XXXX, XXXX. That sales date was also canceled because I filed for bankruptcy on XXXX XXXX, XXXX. As part of my bankruptcy case, my attorney and I attempted to use the XXXX Program, wherein I would make provisional loan modification payments of 31 % of my gross monthly income to the bank through the chapter XXXX trustee, which I have done faithfully for the last 6 month. However, today Wells Fargo informed me that my income would have to double in order for it to grant me a loan modification. While I have no doubt that I will be able to get my income back to where it was before the recession cause my real estate sales income to drop ; I thought the government supported loan modification programs were supposed to take my income as it is today and help me find a loan modification that works for me, today.

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 2016-11-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have called my lender XXXX Wells Fargo XXXX 3 times trying to start the process of removing my PMI. They have refused all 3 times to let me do this. I settled on my home on XX/XX/2011. I bought an older home and have rehabbed it so that I know if I had an appraisal I would be well over 80 % equity in my home. They told me that their guidelines require me to have PMI for 5 years and can not have an appraisal done. My PMI is {$100.00} per month and that would make a tremendous difference in my monthly payment. They have refused to send me what their guidelines are regarding these deadlines. I have had another mortgage lender look at my paperwork and there is nothing there that states this. They have been extremely hard to work with. I lowered my home owners ins 2 years ago by XXXX per year and they wanted to up my payment XXXX per month. It took 2 years to get to the right payment. Please help me with this issue. Over 4 years the amount of my PMI to them would be over {$5000.00}. I am not asking them to pay for the appraisal.

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 2017-01-25
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
Sir/Maam : The Issue was im mistaken to sent money to my nephew using XXXX names which is " XXXX XXXX XXXX XXXX ". dated XX/XX/2017. i found out that he is only using one name which is only XXXX XXXX XXXX . Tracking number XXXX in western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Bayview in regards to a loan modification to avoid foreclosure. Since the initial start I have been provided the constant run around and being told documents are not being sent in when in fact I have proof they have been sent in. I am unsure why they are playing these head games with me and making me more XXXX and hoping that I give up so they can sell my house. Bayview should have ALL documents they are asking for and there should be no reason to keep asking me for the same documents over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Apex Resolution Group LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Constant calls from ARG ( Apex Resolution Group ) XXXX or XXXX to call this number XXXX. These calls are coming to my work, home and family and friends. Said he was XXXX XXXX from ARG. Said to call immediately to avoid interruption of banking verification of employment and verification of assets. He then said he already verified my assets and told me what kind of car I drove. When I called I did not verify my SS # so he hung up on me. Gave me a claim number on the voice mail. I refuse to give my personal information over the phone to anyone. I have not received anything in the mail so I do not know what these people are and why they are harassing me.

Company response to consumer: Closed with explanation