BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card
Issue: Transaction issue

Complaint:
Earlier last year after being contacted about an online business opportunity by XXXX XXXX XXXX I ended up paying them. I am unsure exactly how they obtained my information but since that I feel that I have become a target in what has turned out to be a work from home online business scam. I have now paid {$13000.00} in total to these scam companies ( {$8500.00} to XXXX XXXX XXXX ) Between them and their undisclosed partners with absolutely nothing to show for it.So I would like to dispute all charges from XXXX XXXX XXXX done on my Wells Fargo card. They promised to advertise my website so it would increase traffic and sales. All I have got was a few calls from them for a confusing training. I never had any customer visits to my website like they said I would have and did not make a penny either. They did not provide the services that I was led to believe that I paid for. I have been deceptively sold and am formally requesting a refund for the amount paid to them. I tried to resolve directly with them, I sent them certified letters, sent emails and they ignored my requests.I am reaching out to your agency in hopes you can help me get my refund.

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 2015-10-31
Company: Innovis
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXXXXXX XXXX XXXX XXXX VA XXXXI never authorized ANYONE to access my credit on my behalf and I NEVER APPLIED FOR CREDIT WITH ANYONE, AND I DO N'T HAVE A MORTGAGE LOAN of ANY KIND. 

I wrote letters to all the credit the BUEARUS IF YOU CAN CALL THEM A BUEARU??? and all they do is ignore me and say VERIFIED.I ask them to show me the proof, a request for a loan and signature from anyone any agency and all I get is nothing no reply you are the only XXXX to reply with this lame XXXX letter to contact to contact XXXX XXXX and XXXX XXXX. I will send them a copy of this letter and your letter to remove the UNAUTHERIZED INQUIRES. 

XXXX XXXXSS # XXXXPhone XXXXReason for dispute is your gave access to my credit without my permission and I demand the unauthorized inquires be REMOVED!!!!!!! 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
XXXX & XXXX XXXX had a judgement issued against them from Wells Fargo, after XXXX lost her job. We contacted the Clerk of Court in XXXX County NC and was told to make a payment monthly. We have made payments since XXXX, never hearing anything from the bank or the attorney. This year XXXX XXXX my husband retired and we rolled his pension over to an IRA with Wells Fargo. We also kept {$27000.00} into our Savings for XXXX and home repairs. The money was deposited on XXXX XXXX, XXXX to both accounts. On XXXX XXXX, Wells Fargo withdrew {$7200.00} from our account for the judgement. We went to the local Branch in XXXX XXXX NC, to file a dispute on the withdrawn of the monies. We contacted Clerk of Court and was advised we had paid every month and they were unaware the bank to do this and encouraged us to file a dispute. The Bank Manager made a call and left a message to a member of the Collection Team ; the dispute was not filed and call from the Bank Manager or Manager of Collections. We were told the payments were to little ; in two years we had no communication from the bank or attorney. We were never notified to increase the payments. When I talked to Collector after the withdrawal, I was told the she keep seeing money come in our accounts. I have serious concerns that any one can access our account at anytime if you are a Bank Employee. I find this very unprotected and open to all. We have been told this was not allowed, if payments were being made. We should have been offered to increase our payments. This money was withheld from his pension for Medical Reasons and we are on a fixed income. My husband is a XXXX Veteran and was retired on 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 2016-03-15
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Can borrower current in their HAMP modifications ( XXXX and XXXX liens ) receive another HAMP modification due to hardship and interest rate increase? Wells Fargo ( my servicer ) said XXXX XXXX ( XXXX ) owns my loan and only XXXX HAMP modification is allowed. 

Any idea why XXXX loans can not obtain another HAMP modification?

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 2015-07-30
Company: Carolina Finance, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15
Company: SUNTRUST BANKS, INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car note is due to SunTrust on the XXXX of each month. As a condition of getting a preferred interest rate, SunTrust required the payment for the auto loan be made from a SunTrust checking account. Each month, several days before the XXXX, I submit a request to XXXX XXXX XXXX to send a deposit to the SunTrust Account. I do n't use the Suntrust account for any other purpose. On XXXX XXXX, I entered a " billpay '' for {$850.00} into the XXXX XXXX XXXX system, to be sent to Suntrust. According to XXXX XXXX XXXX records, the payment was delivered to SunTrust on XXXX XXXX. Despite that, SunTrust did not credit the checking account with the funds transferred from XXXX XXXX XXXX until the XXXX of XXXX, XXXX day after the payment was due. The automatic debit from the SunTrust account was declined as insufficient ; SunTrust also charged me late fees on the loan. There is also a {$10.00} service charge on the checking account every month. The fees totaled {$100.00}. I paid well in advance of the due date. I have proof that SunTrust received the funds. I would like a refund of the {$100.00} and a different payment method from SunTrust. Similar transactions have occurred three times during the life of this loan, which is not quite three years ago. I have also complained to XXXX XXXX XXXX, because I do n't know whether the transfer from XXXX XXXX XXXX actually reached SunTrust by the XXXX as the XXXX XXXX XXXX records indicate. 
Thanks for anything you can do to prevent this from recurring.

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 2015-11-09
Company: WELLS FARGO & COMPANY
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
It was brought to my attention that a " Negative ( Not more than two payments past due ) '' was added to my report from Wells Fargo DLR SVC. Wells Fargo has not reported correct information on this auto loan account. First, I am only the co-signor on the account and my friend has not missed any payments in the past 30 days in any month. This past month she was in the hospital, but made an online pay well before the required date for this to be reported. Wells Fargo did not process her payment for over a week causing the payment to go late. This was either incompetence or intentionally done on their part. As a result, my credit score dropped XXXX points and XXXX 's dropped about XXXX points. I want Wells Fargo to amend their report to any credit bureau that they reported ASAP. Also, XXXX has been paying this auto on time for the past 3 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I recently opened a checking account with Simple which is a XXXX Compass bank. They advertise online frequently. After opening my account I made a few initial deposits with no problem and then I transferred {$3000.00} to the account. Simple immediately froze my account and asked for verification. After sending in over XXXX documents and waiting almost 3 weeks they closed my account and told me they would send me a check for the amount in my account. Today I recieved a check for {$110.00} and I do n't know where the other {$3000.00} is. Support blocked my number from calling them and they will not answer me through email or message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX, 2015, I made a payment to a student loan with Wells Fargo XXXX which stated that the payment would be applied to my XXXX XXXX, 2015 billing cycle. I later received another bill for XXXX XXXX, 2015. I had taken screenshots of each step along the payment process as evidence that misleading information was being published to the website, as a similar issue had arisen before. They refused to apply my payment to the XXXX XXXX payment date, requiring me to make a XXXX payment on the loan or wait several weeks ( beyond the due date for the bill ) to have a refund sent by check of my XXXX XXXX payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Wells Fargo received a {$300.00} payment towards an existing credit card account on XXXX/XXXX/16 and then misplaced the funds. They did not credit my account and subsequently charged me a late fee and additional interest on the the account. I have confirmed with my paying bank that the funds were received by Wells Fargo and they refuse to credit my account the funds received. I have contacted them three times by phone and I continually get no resolution. This is theft my my funds.

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 2015-10-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Recently, I needed to make a payment for my teaching course certification fee. I checked my available balance in my Wells Fargo checking account and noted I needed to transfer {$9.00} from my savings account to my checkings account to make my payment of {$600.00} without going into over draft. After the money was deducted from my account based on the available balance at the time, Wells Fargo charged me an over draft fee. The only reason I can find to explain is, is that the available balance displayed to me online was not accurate at the time of transfer and the currency conversion fee at the time had shown up as deducted but was not actually deducted from the funds actually available to me at the time. I have tried contacting my branch manager about this issue through phone and email several times at an inconvenience as I live XXXX currently and can not physically go into the branch to resolve this issue. Additionally, the automated overdraft protection service took the remaining money from my savings and transferred it to my checking account to compensate for the overdraft ; there still was not enough money to cover the amount over drafted, so I was charged the overdraft fee. Now after being guaranteed I would not be charged monthly service fees on my checking or savings account, Wells Fargo has charged a $ 5 monthly savings account fee. Essentially, both accounts have a negative balance and I have been unable to resolve this issue because of the unresponsive and uncooperative attitude on behalf of the bank manager at Wells Fargo. I would like to resolve this issue as soon as possible and have my requests met as I was not in the wrong as a consumer and Wells Fargo has been misleading and refusing to communicate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Where is my money? 
I have 30 years ( fixed rate ) mortgage with Wells Fargo. Loan # XXXX. I have to pay my mortgage by XXXX every month. In XXXX 2016 my mortgage payment was {$1200.00} and on XXXX/XXXX/2016 I paid {$1200.00}. Additional Principal Payment is {$31.00} and that money is lost. Store Manager of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX ) told me sorry we can not help you, we do not have that department and we do not know where is that money, call our mortgage consultant if you have any question. I have Transaction Receipt and it showing '' Total Payment {$1200.00} '' ; Wells Fargo cashed my check on XXXX/XXXX/2016 {$1200.00}, but they sent me Transaction Statement for Payment received $ XXXX.I want to know Where is Additional Principal Payment???

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 2016-12-15
Company: CORNERSTONE MORTGAGE, INC.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had hail damage to my roof to due a hail storm. I have been trying to get a check endorsed by the Cornerstone Mortgage for 2 week. They are forcing me to wait on an inspection and now that the inspection is complete they want me to wait another 5 business days to have the check endorsed and returned. The work has been completed and the contractor has been waiting on payment for almost 3 weeks. They refuse to escalate the issue and are frankly not worried about the timeliness of their customer 's payments to their contractors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX and XXXX has violated my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Inquiries on my report that I did not authorize and I want to remove the Fraud alert on my account I've called and sent in required documentation to remove the fraud alerts from XXXX, Experian, 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 non-monetary relief
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We ran into a job loss about 4 years ago and we did what everybody told us to do. We called Wells Fargo our mortgage company and asked what we could do. this was after exhausting all savings and XXXX to try to keep mortgage current. They gave us a plan for reduced payments for 3 months which we did and at the end we got another 3 month reduction at a higher payment. At the end of this period we got a bill for a balloon payment for all the back due. We were never told about this. Lie # 1. The next thing we know is that we were in foreclosure. We then whet through their program to modify the loan. Over the next several years, they lost our paper work at least 3 times and we submitted document after document and were denied. Finally I was told that it looked good but then my wife 's and my student loans were brought into the equation and it was denied another time. Meanwhile we paid the payments until they refused payment. We tried to sell the property, we tried short sell and were denied and we tried a deed in lieu of foreclosure and was denied twice. XXXX we decided to move and abandon the property and we had to tell them to take it to sheriffs sale and now it was stayed on XXXX/XXXX/XXXX. We just want them to take the property, but they seem to want to drag this out as long as possible. The agents at Wells Fargo have lied to us and even went so far as to tell me about her son being XXXX from the military. I have spoken to their executive office and got no resolution. I feel I have done everything to try to save this property, but at every turn have been treated unfairly and it seems that for some reason Wells Fargo is racking up charges to try to get more money from the FHA. Now I just found out that the reason for postponement for the sale was because they think we are XXXX military. I am XXXX and my wife is XXXX, we have both been XXXX military since XX/XX/XXXX and my wife since XX/XX/XXXX. Just another delay and more charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: WELLS FARGO & COMPANY
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account in XXXX 2016 that had a {$100.00} promotional bonus. I met all the requirements needed to get the bonus but keep getting the run around when trying to determine when the bonus will be applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation