BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I am Wells Fargo Customer Since XX/XX/XXXX and I always doing my banking with your bank. But today I had bad customer service experienceOn XX/XX/XXXX Monday around XXXX I went Wells Fargo Branch Located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( LAECHMONT VILLAGE ) get some foreign currency due to my travel for XXXX on XX/XX/XXXX when I enter your bank inside I asked XXXX ( assistant Manager Name tag on it ) I need get some foreign currency XXXX .He said unfortunately we are not issuing foreign currency after XXXX. I asked him is not possible and before I come I check with your customer service and they confirm you will able to get it done before XXXX.Afeter I saying that he went to asked counter and said for me I have {$300.00} worth of XXXX. So I said let me have that one at least. He refused to give me and he said this for tomorrow customers. After that {$700.00} I deposited via ATM machine and went home. 
he treated me very unprofessional. I feel like I been discriminates which against my race, color national origin .And also he not fully committed to providing your clients with service that is respectful and responsive. 
Please look in to this and please advise the above bank provides good customer service and it wont happened any other customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: WELLS FARGO & COMPANY
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A debt of what was recently said to me of {$810.00} was a result of an overdraft fee from 2006 by a bank under FDIC. A phone call was received by company who was tasked with contacting me to deliver a summons or something to that effect provided me with the information of the attorney 's office that accepted the case. When I proceeded to contact this office a representative of this office did not fail to enforce understanding upon me of severity of paying the amount in full or be taking to court. However as I requested detailed information of the matter by rights of the first initial contact received, the representative refused to provide any information. As a military service member I then proceeded to take the matter to the Judge Advocate General who in representation of me attempted several times to speak with any representatives in that office and none answered or return a call on the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for my mortgage loan with a local agency called XXXX XXXX out of XXXX Massachusetts. A couple of months later the mortgage was sold to Wells Fargo. The initial mortgage was {$620.00} a month. Wells Fargo " readjusted '' the mortgage by saying we were overpaying and dropped the monthly payment to {$580.00}, I asked them if this was true and wanted to make sure it was accurate and no one would tell me why the mortgage was re-evaluated. Then about a year later I received a letter that my mortgage was increasing from {$580.00} a month to {$870.00} a month! I never would have purchased a house for {$870.00} a month because that is about half of my monthly income, and I know my finances well enough to know I ca n't afford that! I have been fighting with Wells Fargo to re-evaluate my mortgage payment and to explain the reason for the increase. I do no have a variable rate, either. At this point they are talking about foreclosure despite paying {$600.00} a month instead of the {$580.00}. I have asked them to run a report to explain why the increase and have received nothing. I have spoken with my town and the treasurer/tax collector said that city taxes run from XX/XX/XXXX to XX/XX/XXXX and Wells Fargo is calculating taxes on a calendar year from XX/XX/XXXX-XX/XX/XXXX which actually is taking into account two calendar years. I have been dealing with them since XXXX of 2014 and at this point am ready to try to hire a lawyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Re : Wells Fargo Home Mortgage Loan # XXXX - XXXX XXXX Please be informed that the above listed Loan with Wells Fargo Home Mortgage Loans was modified and reinstated In XXXX of 2016. I have requested that my new payment information to be updated with all the credit reporting agencies to reflect my new credit and good standing. However, when verification of this information was requested from both XXXX and XXXX, Wells Fargo failed to inform them of my reinstated loan and current payment status. This negligence on the part of Wells Fargo Home Mortgage Loans has had a negative impact on my credit file, and credit score since XXXX of 2016 when the mortgage reinstatement documents were signed by myself and Wells Fargo Home Mortgage Loans. 
Please correct this misinformation immediately and provide XXXX and myself with proof that my credit file accurately reflects my reinstated mortgage loan as of XXXX 2016 and all payments made by me to my account # XXXX in XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016 as of XXXX 2016 my loan should reflect 5 months of new activity but there is nothing. 
The Fair Credit Reporting Act states that this information should be reported and reported accurately as it is my right. 

Please forward to my address below written correspondence that this has been corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2015-04-24
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Dear CFTC : please open an official inquiry on Wells Fargo. I am also filing a complaint in the CFTC portal and a complaint with the Federal Reserve. Their mistake and gross negligence has cost me time, denied me access to my money without any cause, and cost me money ( both {$40.00} out of pocket and an estimated lost time of {$600.00} and rising - with each communication ). 


As background : Wells Fargo offered to replace my card with one it claimed was more secure. I declined and explicitly asked them to leave the card and account as they were - working and good through XX/XX/2017. Instead, contrary to my written request ( see below XXXX, Wells Fargo closed the card. They attempted to force me to receive and to use another card - which would cost me money, time and inconvenience to do so. Rather than admit the mistake and correct it - by returing the card and accounts to their original, Wells Fargo seeks to further inconvenience me and to waste my time. That result is unacceptable. Is is lawful? 

I want Wells Fargo to re-establish the original and functioning card, which is in my possession now. Also, I want Wells Fargo to reimburse me the {$40.00} of additional car rental cost I incurred because Wells Fargo provided a temporary card - which does not have my name on it. Car rental companies require the name. Otherwise an another driver must be used - which costs $ XXXX+ each day. I just did a XXXX day rental - which is the {$40.00}. 

In addition to this complaint, I will share the facts of this situation with at least XXXX additional advisor ( either regulator or social media ) in an attempt to expose Wells Fargo 's incompetence or potential lawlessness. Perhaps it 's just poor client service, because apparently they do not read what is written, that merits some financial penalty. 

Please investigate and advise. I will follow-up this email offline. 

Best regards, XXXX XXXX. 
Email : XXXXXXXXXXXXTel. : XXXX [ I prefer written communications so that there is a record, as the Wells Fargo evidence shows below ) NEXT MESSAGE : -- -- -- -- -- -- -- -- -Team Wells Fargo. Please retain the current Card ( do not open the one that was mailed ). I will arrange to pick-up the new card at a local branch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Wells Fargo would n't let me consolidate or reduce monthly payments as per my income. They also defaulted XXXX of my XXXX private loans I had with them despite me making partial payments. On a separate occasion I received email notification that someone tried logging in to my account and that my account had been locked. I was forced to call them to re-open it and when I told them about someone other than me trying to access my account they ignored me. Furthermore, they were harassing me for payments while in school around XXXX of 2015. I was never offered a grace period after graduation in XXXX of 2015 and they ended my in-school forbearance two months before it was scheduled. I understand that I may not receive anything for this but this should never happen to a student regardless of situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We are being contacted by the company XXXX XXXX. They do not disclose that they are trying to collect a debt when they speak to us but are threatening to serve us with a summons. This debt was paid last XXXX and we have the paperwork saying it was settled. They do not have a website or XXXX street address and I can not find the XXXX. XXXX address they provide online either. They know our social security numbers. They do not disclose whether or not the call is being recorded. A " courier '' called from a blocked number and asked for our address to serve papers too.

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 2017-01-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I 've had excellent credit history and the only late mark on my credit is from Wells Fargo for a misunderstanding. I signed up for auto pay through their website for my payments to come out each month directly from my checking account. But, I must have misssed some fine print about it taking a few days or weeks to actually set up and that my vey next payment would not come out through auto pay. When I received a call from Wells Fargo on the 30th day of being past due I was extremely shocked and asked the representative calling to please make sure this does not affect my credit. I let him know that I was set up on auto pay and he asked if I saw the fine print and/or noticed that a payment had not come out yet and I answered no I signed up and I thought I was good to go. I immediately asked if I could make XXXX payments right on the phone with him so I could actually be a month ahead and never worry about being late again. He accepted my payments and said he would work on making sure it would n't report late on my credit. I left it at that thinking I was all squared away for the misunderstanding which occurred between XX/XX/XXXX and XX/XX/XXXX. A few months later ( around XX/XX/XXXX ) I was applying for a refi for my mortgage and was asked about a 30 day late that was on my credit. The 30 day late mark on my credit actually hurt my chance of receiving the best mortgage rate. I called Wells Fargo and spoke with a supervisor XXXX who said there was nothing that could be done. There is no going back after they report a late payment and I would have to deal with it, that there is no one that I could speak with for this issue. I called back a month or two later and spoke with a female representative that also claimed the same thing XXXX did. So I asked to speak with any supervisor other then XXXX. A gentleman ( I do n't recall his name ) came on and was very kind, said I could request in writing and send it in via fax. Be ask s me to give it two weeks to a month for the department who handles reporting on credit bureaus to review and see I paid well for a year now and may remove the late payment mark. I did just that. I asked kindly in a letter to please see I 've actually paid well and an entire month ahead in payments for the year to prove it was truly a misunderstanding. An entire month later I receive a letter not acknowledging anything on my letter but that there records are correct and no chance will be made on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeating phone calls, multiple times per day, asking for somebody who had previously owned the phone number I am now using. I have told them each time that this is a new phone number for me and that I do not know who they are looking for, each time they acknowledge what I say, tell me they wo n't call again, then call two more times the next day. They also hang up on me before I get a chance to tell them to remove my phone number. I was told that my number would be removed from the account they are trying to get ahold of, the calls stopped for three days, then continued twice as often as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Windham Professionals, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Windham Professionals garnishing wages for student loan after I have already showed good faith in repayment by paying voluntarily {$2200.00} + est. {$600.00} in wage garnishment. Submitted numerous times personal information along with proof of income and the only reasonable monthly payment they could come up with was $ XXXX {$500.00}. After on a few occasions they had promised they could get low monthly payments around {$50.00}. 
The problem with the wage garnishment and not getting out of default is that of the {$400.00} they are garnishing is that {$170.00} a month is going into the collection agencies pocket. The total balance on the Student debt is {$3000.00}. yes {$3000.00}. I did not leave out a XXXX or a (, ). I repeat XXXX. 
Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I initiated a dispute with the credit bureau regarding some unverified accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of that investigation. 

XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$150000.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED:XX/XX/XXXX BALANCE : {$2900.00} XXXX/XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$4900.00} XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$2000.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$2700.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$7300.00} XXXX/XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$460.00} I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts . I am now demanding that they comply with my initial dispute letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: FL
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:
My daughter took out a private student loan two years ago from Wells Fargo and we, her parents, co-signed.The condition of the loan agreement we signed was that payments did not come due till my daughter graduated, or was no longer a XXXX XXXX XXXX. She is still a XXXX XXXX XXXX, and has just recently been informed that her credit is ruined because her student loan is in default. Apparently there was a mistake, but Wells Fargo is dragging their feet on correcting their mistake, and meanwhile, my daughter ca n't even open a checking account as her credit score is so damaged by their mistake. They keep pressuring us to pay the whole amount, which is {$30000.00} to resolve this issue faster. But paying the full amount while our daughter is still in school was not the original agreement.

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: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had an auto in 2007 from Wells Fargo. They repossessed the car when I I lost my job. They charged it off after I was still paying them. they sold the car for more than what I owe. 
Now they reaged the account and keep adding more to the fee all of these years later. They are reporting false information on my credit. I asked them to send me validation and a copy of the bill of sale showing how much they sold the auto for, but they just ignore me

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 2023-02-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have received multiple calls from the company to collect the ammount I owe. I currently lost my vehicle during hurricane XXXX due to a XXXX and the vehicle was declared Totaled by a local shop. My vehicle XXXX XXXX XXXX is trying to pay XXXX towards the debt in order to finalized my total loss claim. My Insurer needs the Lien holder Paperwork in order to pay them directly the amount that they are paying me for the totaled vehicle but it has been over 3 weeks already since they have been waiting for that paperwork. Whenever I have spoken to ally over the phone i've told multiple representatives the situation and have told them to transfer me to the total loss department, whenever they do that I am sent to a dead line. Its very frustrating because I am not avoiding them nor trying to skip paying this loan off to get it off my credit.

Whenever they call back they repeat the same scripted conversation regarding me owing them the monthly payments and they don't keep any records of the conversations and my requests. I have also tried the secured messaging via their app and yet they just answer with a scripted message saying that due to the nature of my request I need to contact them to their XXXX number, this is the same number that I have attempted multiple times to finalize my Insurers claim. This situation has me depressed at this point since there's no local office for them and I am sure that they will instruct me to send mail to their hq or say that they can not help me. I am already unhappy from losing my method of transportation and my local vehicle.

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 2015-07-19
Company: Express Collections, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I was told that I had an open credit card from 1999. I was contacted in XXXX about this debt and told that I would have to pay over XXXX worth of interest. When asked if I was going to pay this or not-I said " no ''. The debt collection agency sent legal paperwork to my home and the post office had my XXXX year old daughter sign for it while I was at work. The judgement went through XXXX South Dakota without my knowledge and I have been fighting it ever since. I have written to the court and contacted the debt collection agency. The time of elapse for the debt had passed. They charged an exorbitant amount of interest and would not settle on it.They constantly called threatened and harassed me and then accepted the signature of my XXXX year old daughter on legal paperwork. The only reason I knew that she had signed for the paperwork is that her older brother told me. The post office would n't respond to my request for information and claimed that they were using a temporary carrier. I do n't believe it is legal for a court to go through with a lawsuit signed by an XXXX year old. This company was completely suspicious from the beginning. This has caused me to be investigated at work, loss of credit, etc. I have successfully disputed this to XXXX out of XXXX credit reporting agencies and was advised to file a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A letter was sent from ERC to an old address of mine claiming I owe money for a debt to XXXX. I have never had a XXXX account and never owed them any money, nor have I ever been sent any bill by XXXX, even at this old address. So I suspect ERC or someone else is committing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief