BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My account number with Wells Fargo Dealer Services is XXXX. 
I have been late on paying my auto loan payment with Wells Fargo and when I look into my online Wells Fargo I see XXXX charges totaling {$210.00} that I clearly recognize and take full responsibility for. However, the issue is that starting XX/XX/XXXX whenever I call the rep will tell me my late charges are {$390.00}. I have attached an online statement showing the XXXX charges totaling {$210.00}. I have called many times and spoke to several representatives who have made requests to investigate the account but up to today XXXX XXXX at XXXX no results of these investigations have been communicated to me. I have talked to more than XXXX different people if I am not mistaking. Some were very patient and listened to me and showed they care and tried to help. However, XXXX ( ID XXXX ) and my account manager have been unpleasant. Especially my account manager, who I think does not even understand what the real issue is, would repeatedly tell me to go online and see the charges and that all the charges are valid. The first time we spoke ( 3 weeks ago or so ) over this issue he told me that the account was under investigation so he could not do anything about it. I asked him if had the authority to waive some of these fees so we can just put this issue to bed. He said he did not have that authority, I said fine. On Thursday XXXX XXXX I made a payment from my XXXX XXXX account for the {$210.00} which is what my online account is showing with dates and which is what I know is correct. On that same Thursday I requested the remaining charges ( $ XXXX {$210.00} ) be disputed because I do n't know where these are coming from nor would anyone explain to me where these charges were for. The Rep told me to call today ( Monday XXXX XXXX ). When I called they transferred me again to the account manager who was this time very rude. He told me that the account has been adjusted and that {$210.00} credit has been applied. and that there is nothing to discuss and that I should go online and figure it out. I told him that I actually made a {$210.00} payment and that I did not understand the adjustment he is talking about. I told him that this is the second time my account has been investigated and I still do not have any explanation for the remaining charges. And I requested the remaining fees be taken off my account until someone could provide me with a reason for these fees. He just went off and stating that I just wanted to create troubles and that all explanations have been given to me already. I asked if I could speak with anyone else and he told me nobody was available to speak to me and I asked his name and Id and he said he already gave it to me at the beginning of the conversation. I could not hear some of the last things he said but he just hanged up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a primary home mortgage through Wells Fargo in the XXXX of 2014. After reviewing my credit/income information, WF issued me a commitment letter for the purchase of my home dated XXXX/XXXX/2014. It was a 15 year mortgage with 20 % down and a 3.625 % interest rate. Closing was scheduled for some time in XXXX. Just before closing, WF told me that based on the appraisal report, I was required to bring {$500.00} to closing and put siding on XXXX side of the property ( I have never heard of an appraiser requring work to be done on the property ). I objected to the last minute notice and the additional monies I would need. The WF rep told me that I could put 15 % down, pay PMI and a slightly higher interest rate to fund the siding and additional monies required at close. I refused their offer. About a week later, just as I was about to put siding on a house I did not own, WF told me their underwriting unit rejected the loan application because I did not provide suitable comps, even though comps had been submitted to them months ago. Closing was pushed back yet again. Additional comps were provided, but those comps were deemed unsuitable. I was never told why. I then asked WF whether they were rejecting my loan and that I would need a written rejection to get my XXXX security deposit back. They would not respond. I pursued a loan with another lender, and settled within three weeks. A few months later, WF officially rejected my loan due to my credit ( although they had already approved me through a commitment letter ). I believe that the entire process was a scheme designed to suck me in with a great interest rate, and then at the last minute claim I had to come up with more money to close, thereby getting me me to lower my down payment, pay PMI and a higher interest rate. WF 's deceptive sales practices caused me to incur additional moving, storage and living expenses in the amount of $ XXXX. Plus, I paid additional appraisal fees to XXXX lenders ( approx. {$500.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2015 my finance visited a Wells Fargo Branch located at XXXX XXXX, XXXX, TX XXXX to resolve an ongoing issue we have had with our business checking account. XXXX XXXX the account representative finally fixed the issue she created and began asking my finance if he wanted a Wells Fargo Business Savings account. She had him sign a form and pulled his credit with he was unaware of because he did n't read the fine print. I receive credit monitoring and the following day I received an alert indicating that my credit was pulled by Wells Fargo. I called the branch on Monday and spoke with the manager into order to advise him of the situation, he was very hostile and began ranting that his employees would never run a person 's credit without their permission. I gave him the employees name and he told me he would like into the matter. I received a call from XXXX XXXX several moments later profusely apologizing about the situation. I asked her why she pulled my credit without my permission and she indicated she was not aware of Wells Fargo running " hard pull inquires '' on business savings accounts. She said I would receive a letter stating that it was a mistake and it would be removed from my credit report. Since that date I have received the run around from their credit bureau department as well as XXXX. I want this inquiry removed from my XXXX report. Prior to the incident at hand I never had a conversation with this woman nor did I sign anything giving her permission to pull my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion refuses to change my bk status to discharged. They tell me the information they have is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Even though Wells Fargo states that they include pending bill pay transactions in their available balance calculations they do not. A user must remember that they have a Bill Pay and visit the Bill pay web page to see the actual available balance. This calculation is n't even available on mobile so a user has to visit the bill page pending transaction page and hand subtract pending transactions. I believe this way of doing business puts consumers in a position to overdraft and incur fees because they are not being forthright with the available balance calculation shown on the summary as well as quick balance web page.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am receiving letters from Wells Fargo Home Mortgage saying that I owe all these fees. 
I have never been late on a payment, I pay the mortgage at the bank and get a receipt each time so I know that they have received all the payments. The property is a rental condo and they have never called me to have an inspection. The outside of the condo is maintained by the Homeowner 's Association so I do not know why I was charged for inspections of the condo when I am not even responsible for the maintenance of the condo building. There are also multiple attorney fees on their statement and I do not know why they needed an attorney and why I am being charged attorney fees. 
Years ago I spoke with someone at the local branch of Wells Fargo and I thought this was resolved and they said I did not owe anything but I keep getting bills from them. 
There have been class action lawsuits about this very same thing so it seems that they are charging a lot of other people fees that they do not owe. Please do something about this as I should not have to start another class action lawsuit to stop them from charging fees that are not necessary and have nothing to do with my loan. 
I am attaching the letter with the breakdown of the fees that they sent to me and also a copy of a letter I received about a class action lawsuit but I did not do anything about it at that time because I did not know that they would be charging me all these fees. 
These big banks received money from the taxpayers and the government so why do they need to collect more money when it is n't even necessary to do these inspections and they do not need all of these attorneys either, especially when someone pays their mortgage every month. This has to end. They are getting away with charging fees to lots of people and it adds up to a lot of money as many people just pay it to stop the harassment but it is wrong so please do something to stop the abuse of power Thank you.

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 2017-02-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is not working with me at all! I have filed charges before and all they do is send me copies of past modified they have done! they have tried to sale my house from under me! Saying they sent letters to me which was untrue! I have showed extra income needed and they still wo n't help! This has been going on with a very large past due owed on my little house and the appraisal is n't for a legal duplex all! Someone wants my house badly enough I will do whatever it takes to save my house! These banks take advantage of people and it 's not fair! Help me please! 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 2023-03-31
Company: Meridian Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute about item on my credit report with XXXX They came back after short time and said company certified debt. Problem is they don't show what was used to certify it. The company who has me in collections has no signed agreement from me or creditor say I owed nothing but piece paper with name and amount. Hasn't shown XXXX  any proof of debt and XXXX fails to remove item after multiple disputes. The company in question is meridian financial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I currently am delinquent on my mortgage payments and am in the process of going through a modification review. I have provided all documents requested of me by my mortgage company and am waiting for their decision. I also have a foreclosure sale scheduled on XXXX/XXXX/16 and need some assistance getting it postponed. Please help me keep my home, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: ACIMA CREDIT, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I walked in to XXXX XXXX XXXX XXXX and picked out a coach, two dresser and a sectional which came to {$1500.00}. I was offered a sale price because the business was closing and told that with {$40.00} down I could setup delivery for the items and make installments for XXXX until the balance was paid through a company they used for financing called XXXX XXXX. I paid the XXXX dollars and applied on line at the store. I was approved for much higher then I needed but only purchased the items I picked out. I received an email to approve the transaction of XXXX bi weekly and was asked for my bank account information. apparently there was a 90 days same as cash option that they interest rates would have cost me an extra XXXX dollars after that and continuing to make the bi -weekly payment it would cost me another 1500 dollars plus. I contacted the company about a week ago to say Zi should have paid this off a long time ago and they told me there was no credit that the exact amount I had paid prior to my inquiring about the over charge was all of a sudden the exact amount I owed once you add the XXXX dollars I paid originally. The company was XXXX XXXX and they change there name to Acima. There was no message sent to me about the hike after the 90 days. I asked for proof by way of signed docs that I was aware of the hike and Acima sent my a non digital stamp pdf format made up signature that was not handwritten or date stamp for when you do an electronic signature. The correspondence emails and statement of accounts are attached. This was definitely a scam from the store sales person to the finance company. I paid for the furniture twice and gave a tip.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
On 3 separate occasions Wells Fargo sent a 3rd party company to call on my tenants in my rental building advising them that the property was going into foreclosure. I have been advised by legal counsel that this is illegal activity and that Federal Law prevents a lender from such practices. Furthermore, this is absolutely not true - foreclosure proceedings have not begun on this property, confirmed by Wells Fargo. Wells Fargo is in XXXX position with this equity line. The first occasion was to my XXXX floor tenants XX/XX/XXXX, XX/XX/XXXX. The gentleman advised them that he was representing Wells Fargo and that this property was going into foreclosure. They took a picture of him. 

The second incident was to my XXXX floor tenants, XXXX XXXX, 2015 and they returned there again on XXXX XXXX, 2015. On XXXX XXXX the gentleman said, " I 'm not supposed to tell you this but you might want to know that your property 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 2023-03-31
Company: Consolidated Recovery Group, LLC
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: Account information incorrect

Complaint:
Received debt collection notice XX/XX/22 Advised it was no balance owed. 

They promised to look into it Never contacted me Increases amount owed every month No this is owed by me at all Seems like fraud cover up tried to deposit money into my account after I disputed account to justify that I owed it. Wrong account. Had already grossly impacted my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having XXXX missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for acceptance in the XXXX program with my servicer, Wells Fargo Home Mortgage. I was denied acceptance into the program for the Underwriter intentionally miscalculated and included my bankruptcy payment. They had been notified that the bankruptcy was to be dismissed, not discharged, on XXXX XXXX, 2016. Not once was I offered assistance with the XXXX Program. I contacted the XXXX number and was counseled by XXXX XXXX. I contacted XXXX and am now awaiting assistance from a XXXX who contacted me on XXXX XXXX. XXXX XXXX, who is assigned to work with me at WFHM stated I was denied for the XXXX because my investor rejected it. When I asked her the name of my investor, she stated XXXX FHA. On XXXX XXXX I received a call from XXXX stating she was with the XXXX XXXX of XXXX. She conferenced XXXX into the conversation and prompted her to look for the qualifying criteria for the HAUP. XXXX ( after stating to us she was familiarizing herself with the program while on the phone with us ) stated to me in order to qualify for the XXXX that I had to be actively seeking unemployment and that 's the reason I was denied, for I did n't state on the documents that I was actively seeking unemployment. I thereby stated, " Anyone with common sense knows that if you are receiving unemployment in the state of Texas, job search is a requirement and nobody told me that I had to state that on the documents that I faxed in to them for the HAMP program. Nowhere on the forms does it ask are you actively seeking unemployment. '' What kind of games are they playing? 
I submitted all requested documents timely. The point is .... Although I submitted my award letter from the State of Texas verifying I was unemployed ... Wells Fargo FAILED to consider me for the Unemployment Program. 
I was transferred to the Special Forbearance Dept of Wells Fargo by XXXX on XXXX XXXX and spoke to someone who identified themselves as XXXX XXXX. He assured me someone would contact me on XXXX XXXX. No one ever called. Now I 'm being told to resubmit paperwork for an appeal. Why do they send people through this unnecessary stress? 
Did n't the Federal Government allot monies for these programs so the investors at this bank would be compensated? 
They never offered to extend the duration of my mortgage to lower my payments. 
They never offered to reduce my interest rate to lower my payments. 
Their only offer is a short sale or deed in lieu for my home! 
It 's as if they intentionally SET THE HOMEOWNERS UP FOR FAILURE! That is their intent! 
Now, I do n't trust them to have my best interest in assisting me in keeping my home. 
They are going to get their money, just work with us, but ... unfortunately, they do n't seem to care. 
My prayer is XXXX XXXX for Wells Fargo Home Mortgage. 
Shame on you Wells Fargo Home Mortgage.

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 2016-05-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I noticed an unknown public record on my report, showing under Equifax and XXXX. I wrote letters two times to both bureaus, asking to investigate this information and to have it removed from my report. I was waiting 45 days between letters as I was directed, but unfortunately they did not respond. No investigation was made and the Public record is still showing on their reports and affecting my credit badly. I am unable to move forward financially as a result of it and causing me a lot of XXXX.

Company response to consumer: Closed with explanation