BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX I signed up for a Wells Fargo XXXX XXXX card to take advantage of a XXXX, no interest financing for an engagement ring purchase. I began to make payments to the outstanding balance appropriately so that the balance would be paid in full in exactly 12 months. XX/XX/XXXX, I decided to add additional wedding jewelry purchases to the card and assume a new 12-month no interest financing offer. I continued to make payments on the card to pay off the first balance by the XX/XX/XXXX deadline. I later discover that the payments were being applied to both financing offers through an inexplicable system algorithm, and that while I thought I was paid in full by XXXX, their system showed an outstanding balance on the first offer. They then proceed to exercise their clause to charge 27.99 % APR on the remaining balance. 
When I called to ask for remedy through changing how the payments were applied to each offer, they alleged that they had no ability to control how the payments were applied and could not give me " credit '' for having paid the first full balance by the 12 month deadline. They then offered to reduce the total interest charge by 25 %, and were unwilling to accept a counter-offer of something which I thought was more reasonable, which still accepting fault for something I ( and they ) could not control. I called to request audience with a level of management above the Supervisor level but was denied. I am disappointed with Wells Fargo Financial National Bank and their inability to accept responsibility for maintaining a system which has full control over people 's financial matters with no ability for human override.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card
Issue: Other

Complaint:
I have recently checked my credit report and I am showing XXXX late payments on my account due no fault of my own. I requested that my statements be mailed as soon as possible to a different address due to me leaving town on an emergency and not having computer to pay for it online as I usual do. I was informed that this understandable and that all payments were received on time as arranged with the reps. I do not understand why I have XXXX late payments showing on my report when I made a payment arrangement each time and was told I had nothing to worry about and everything was taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call from a different lady saying she was going to come to my house and shoot me. 

I have been contacted countless times by Continental Credit. They are looking for an XXXX XXXX. I have no idea who that is, but the company will not stop calling me. Today, I received at least 10 calls, and I spoke to a nice, professional lady who said they would no longer call me. 

After that, I received a call from a different lady saying she was going to come to my house and shoot me. The call came from ( XXXX ) XXXX. I called the professional Continental Credit number back at ( XXXX ) XXXX and they said the lady worked for a sister company and her supervisor was XXXX XXXX, ( XXXX ) XXXX. XXXX XXXX completely denied the phone calls and the phone number saying that no one worked for his company from that number. He acted like this number was n't in the records, when the previous people said it was and that he was the supervisor. 

I looked the phone number up myself on the internet and found it belonged to XXXX XXXX who works for Continental Credit. So, obviously, XXXX lied. 

What do I do to stop Continental Credit from calling and harassing me? My credit is perfect. I have had my phone number around 10 years. I have no idea who XXXX is. My number has been on the " do not call '' registry for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
XXXX confiscated my Federal Income Tax Return for XXXX and XXXX, with no XXXX-day notification of said action. In addition, XXXX began garnishing my wages as of XXXX XXXX, again with no XXXX day notice of said action or notification of my rights to prevent such measures, as spelled out in the Consumer Protection laws, Administrative Wage Garnishment laws and the FDCPA, etc.. In addition, I had previously mailed XXXX a debt-validation request letter and then a follow-up letter informing them that " they are attempting to collect on a Zombie Debt. '' The latter mentioned letter was entirely ignored, as they began garnishing my wages in the same month the letter was mailed. I have since sent XXXX a " cease and desist letter, '' informing them that they are violating the consumer protection laws and are unlawfully garnishing my wages, which must stop immediately and let proper procedure follow. It has now been XXXX days since they received this letter and I have received no response, and my paychecks are continually garnished, UNLAWFULLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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:
During the entire year of XXXX and XXXX I have made attempts to get this information removed from my credit reports. I 've sent letters to the credit bureaus as well as Portfolio Recovery to delete the inaccurate information from my credit reports. Portfolio Recovery has sent a letter back informing me that the debt is mine, they include copies of bills that were sent that have my name on them, however, this does not prove anything, this proves that that can take a bill and put my name on it and say it 's mine. They need to provide me with the actual contract agreement that I signed, I 've asked several times for this, however, they have not provided this to me. I 've also asked that the credit bureaus do the same and they just keep telling me that they have verified the debt with Portfolio Recovery, however, not providing me with information on how they are verifying the debt, such as the original contract. This is credit entry is ruining my credit and not allowing me to receive jobs because this is on my credit report. I hope that this can be resolved by Portfolio Recovery deleting this account from all of my credit bureau reports, which include XXXX and XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo deceptively opened a personal line of credit. It has fees attache with it to have it open and it gave be a hard ding on my personal credit report. When I spoke with Wells Fargo they said " sorry '' and they will talk within their internal teams to resolve it - no solution or help for me ... 

THE STORY : I went into Wells Fargo XXXX, CA to get a new credit card for XXXX that I lost. When I did that the banker recommended I open a personal line of credit - which would have an interest rate between XXXX %. Then I should move my credit card balance to that and pay off my debt slowly with a lower interest weight. No brainer - right? 

When I opened the account - I received a XXXX % interest rate - higher than my credit card. When I called the banker back, he said sit on the account for XXXX months and do n't use it, then Wells Fargo would lower the rate. Obviously, that never happened. That account has been sitting open, untouched, unused. Not even once. Why would I? It 's higher than my credit card interest. 

I have been paying fees on this account to have it open ( if I close it I get another hard ding ). When I opened it, Equifax gave me a hard ding as well.

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 2015-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I just called Wells Fargo bank customer service - this afternoon around XXXX PT - and spoke with " XXXX '' who declined to give me his last name, per the bank 's policy according to him. I conveyed to the latter that I 'm XXXX, and as a reasonable accommodation request, I want him/his entity/manager to investigate if somebody else/potentially one their employees has/have been illegally using my account 's private information to possibly open unauthorized account ( s ) using the aforementioned, and follow up with me via e-mail. XXXX declined and stated that it 's not their company 's policy to communicate with customers via e-mail. I reiterated that I 'm XXXX and I was requesting the latter because of my XXXX ; and that his blatant declination thereof was a violation of the ADA and the FEHA. He still declined to reasonably accommodate and stated that he would have his manager contact me via phone only in the future. The reason behind my call/investigation request to Wells Fargo was because of the recent news/lawsuit that was published on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: WELLS FARGO & COMPANY
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been going back and forth with Wells Fargo regarding reporting on my student loan, they agreed to remove two late payments from my CBR 's as they were mailing statements to an incorrect address that was provided to them by someone other than me. I have since updated the address on file and phone number with them. As they allowed changes to my account to be made by someone other than the primary account holder which caused statements to be mailed to the incorrect address I believe all the late marks should be removed from my CBR 's as the co-borrower was making payments, and I had no way of knowing if payments had been made. I have since received online access to my account and have been making payments. Attached is proof showing they removed two lates from my CBR, there are XXXX other late marks on my CBR that should be removed by the logic used to remove the XXXX and XXXX lates from 2016. These lates were not removed in goodwill they were removed as Wells Fargo 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 2016-11-04
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a loan online with Big Picture Loans for the amount of {$400.00}, I have paid till now {$800.00}, they have been charginger me {$200.00} every month for finance charges and noNE of this goes to the principal. I am not able to make this payment anymore. I 'm retired and thought that from this {$200.00} a month something will go to the principal, but this us not the case. Please stop these companies from abusing the people. THANKS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Citi Bank in an attempt to resolve my moderately past due account. I put forward a reasonable proposal that if they'd waive all late fees and ensure that my interest rate remains unchanged, I could dig in and pay the entire amount due, but past due and current. They stubbornly are refusing to waive one {$28.00} fee. I would imagine me paying the entire amount due to bring the account current in exchange for the waiver of this small fee is more than reasonable. I only fell behind due to unexpected unemployment, but am trying to work with this creditor in good faith to service this debt now that I am again employed.

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 2017-03-14
Company: WELLS FARGO & COMPANY
State: MN
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:
Wells Fargo XXXX neglects student loan Borrowers who wish to elect to make additional payments automatically to their student loans. With automatic payments, Borrowers have the ability to manage the total cost of their loan by paying more than the minimum required payment each month thus reducing total interest paid over the life of the loan. Wells Fargo does not allow Borrowers to increase the amount of their automatic payments, instead requiring Borrowers manually make additional payments each month either through manual add-on payments or through their Bill Pay service. Both options force borrowers to schedule each additional monthly payment manually. Without the ability to automatically schedule payments above the minimum required payments, Borrowers are much more likely to pay the maximum interest charges over the life of the loan unless they remember to separately make additional payments each month. This serves to minimize pre-payment risk for Wells Fargo and investors in their Student Loan asset backed securities. However, it is also a contemptuous disservice to its Borrowers, many of whom are recent college graduates working to establish prudent debt servicing plans. Borrowers should be given the option to increase automatic payments towards their Student Loans. By neglecting to provide this option, Wells Fargo is, at best, discouraging their Borrowers from managing their total interest costs or, at worst, scheming to charge their customers as much interest as possible.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: NY
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2015-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife and I were looking to get approved for a FHA loan to purchase a home. I was recommended to XXXX XXXX from a co-worker. I called him and asked him questions on if we are eligible for an FHA loan with Wells Fargo. He told me yes and I even have an approval email from him stating he can get us approved. Next my wife and I filled out XXXX + pages of paperwork signed back to him. After 2 weeks I did not hear from him so I emailed him for an update. He states we were denied and he could not help us. He did not disclose why were were denied. My wife or I never met him in person and when asked to do so he declined. After this experience, my wife and I was approved by private mortgage company. Since then my wife and I have experienced many identify fraud alerts. I feel XXXX took advantage of us and our sensitive information. I am worried about the sensitive information that was shared with XXXX may be used illegally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In two separate instances, this company has contacted my minor child. Latest attempt was XXXX/XXXX/2016.

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 2015-04-26
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed an account on my credit report with Enhanced Recovery services, because they have not been able to provide me with specific account information and violated the my rights by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. After stating that they would remove the account, the account remained and was actually verified with the credit bureau. THIS IS ILLEGAL!! Enhanced recovery has not followed through with their remedy. i have attached a copy of the letter.

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 2016-04-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Bank does n't want to return my ach deposit on a closed account. I met with a banker named XXXX XXXX that put a return of funds. Wells Fargo Bank failed to make such easy task.

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 2016-02-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I applied for a modification with Wells Fargo. We began making trial payments in XXXX XXXX. Each month, I would overnight a check from my personal checking account ( signature required at delivery ), to the lawyer representing the bank. The amount was deducted within a few days after the check was received by the bank 's lawyer. We were in the trial modification for 6 months when we found out that the modification was approved. My lawyer, my husband, and myself filled out the appropriate forms and attached the binding check. The check that was sent was to be applied to the XXXX XXXX, XXXX payment. I sent all papers and the check via XXXX the same day. The XXXX XXXX, XXXX payment was not deposited or credited to mortgage loan. I sent XXXX XXXX, XXXX payment the following month, and it was credited to the mortgage loan. Every month, the payment was credited to the loan, EXCEPT XXXX XXXX 's payment. I verified this by monitoring which personal checks were being debited from my personal checking account. My lawyer contacted the bank 's lawyer multiple times to question the missing check, but they did not give us an answer. Every month I would receive a notice form Wells Fargo saying that I was delinquent ONE payment. Finally, when the trial payments were finished and the modification was final, I pushed to have the bank lawyer find out where that XXXX XXXX payment was. I was concerned that the check was lost and this would affect my credit, and interest on the missing payment. The activity report that I am attaching to this complaint clearly shows a consistent pattern that each month the payment was deposited to the mortgage account on the XXXX, except for XXXX XXXX. But in XXXX XXXX, 6 months after the check was sent to the bank lawyer, a second payment is credited to the mortgage account in the amount of the XXXX/XXXX/XXXX payment. I verified that it was the missing check. When this was brought to their attention, they agreed to take off the late fees for the months that the mortgage account was behind, even though I made EVERY payment that was asked of me through the entire process. But there are still fees that are assessed to my loan/escrow account and my credit was affected for those 6 months of which I paid on time. If needed, I can supply each month 's check ( copy ), USPS receipt for each check that was sent ( that required a signature upon delivery ), proof of date that each check was deposited, and proof of when each check was deducted from my personal checking account. The XXXX/XXXX/XXXX check was not deposited until 6 months after it was sent.

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