BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-02
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I worked with Wells Fargo Bank for three months in order to get a commercial mortgage loan for a property in my town. On XXXX/XXXX/15 I met with my Wells Fargo Broker and he told me that I was " locked in '' at 4.75 % interest rate. And he did use the words " locked in. '' I was Ok with the rate so I continued my due diligence and forgot about my loan because I was " locked in. '' We closed on XXXX/XXXX/15. At the closing table my Wells Fargo Broker handed me and my wife the closing documents and the rate said 4.86 %. I had a lot of things going on so I had forgotten the " locked in '' rate. I asked if this was the rate we had locked in at. The broker just explained how good of a deal this rate was and that he had just given a loan at 5.1 % so my rate was great. In hindsight, he never answered my question as to weather that was the " locked in '' rate or not. I had XXXX choices : 1 ) walk away from the deal because this did n't seem like the quoted rate, or 2 ) sign and secure the property. My wife and I signed the papers. Next I went home and looked at my notes from XXXX and my suspicions were correct. He increased the percentage rate on the closing day without notifying us, ever. Even at closing he did not notify us that the rate was increased over the " locked in '' rate that he told me in XXXX. 
I understand that sometimes rates change and I can handle that, but when you never tell your customer about the change that seems pretty rotten. I made the assumption that when he said we were " locked in '' that meant that the rate would not change. It is especially rotten when you are at closing and the broker puts it on the table basically saying walk away from the deal or sign my paper at this higher rate. 
I looked through my emails and notes and I could not find XXXX time where he put my " locked in '' rate in writing. It was only in my notes. Next time I will ask for it in writing and take that paper to closing. 
This especially hurts because I felt like I had a great relationship with this broker. We met, talked on the phone, and conversed through email many times over three months. We were on great terms and I trusted him fully. Then he does this to me. Not cool. 
I looked online at the Wells Fargo Vision and Values written by XXXX XXXX the chairman. He talks abut how honesty, trust and integrity are essential in dealing with customers. He also talks about open honest XXXX communication and building long-term relationships with customers. He also relays how the Wells Fargo reputation extends from their character and how their brand is what people say about them. In the end, I experienced none of this in my Wells Fargo experience. XXXX XXXX is correct about how reputations extend because I am telling all my investor friends about my experience there and that I recommend that they stay away from Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TD BANK US HOLDING COMPANY
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:
My final car payment ( payment # XXXX of XXXX ) was not auto drafted from my bank account when it was due XX/XX/XXXX. This was not because of anything I did ( low balance, etc ) but because of a " Terms and Conditions '' I agreed to over 5 years ago when I set up my loan to be paid off with automatic payments in XXXX of XXXX. 

It is unreasonable for a consumer to be expected to remember one specific detail about Terms and Conditions ( that 99 % of people don't read anyways ) five years after for a clause that only kicks in at the end of the 5th full year. 59 of 60 payments made on time exactly ( not to mention 15+ years of always on time payments to all other financial responsibilities I've had ). The other issue is they create confusion by continuing to report auto-pay is turned ON for even once at the final payment time showing it is still enabled - which is very confusing for a consumer to understand what is going on ( see attachment for proof ). 

As soon as I became aware of this, the final payment was made same day. I had absolutely zero financial motive to withhold a payment, nor did they do their part to call or email me letting me know any of this was happening. If it weren't for optional credit monitoring I chose to subscribe to, the first time I would have found out about this could quite easily have been the day they opted to repossess my car. 

That is an incredibly scary position to be in for a consumer and is a policy I believe takes advantage of consumers to ruin their credit ( my score dropped 111 points because of this one miscommunication ). I further believe they are misinterpreting the Fair Credit Act ( FCA ) and that they do not actually have a requirement to leave this delinquent mark on my credit reports for a policy entrapment they themselves set.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: WV
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 contacted XXXX XXXX to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One XXXX XXXX credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.

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 2022-07-11
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Received email from Regions XX/XX/XXXX saying if I opened an additional savings account on top of the existing checking account, I would receive {$200.00} bonus within 90 days. 90 Days was XX/XX/XXXX. Still no promotional money received. Rep will called in was unable to resolve.

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 2017-05-30
Company: UNITED AUTO ACCEPTANCE
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On  XXXX   XXXX ,  XXXX  I purchased a vehicle from  XXXX   XXXX  sales in  XXXX , GA. I was told buy the sales representatives and from the signs on their building that they were a buy here pay her and all financing would go thru them. Several days after purchasing the vehicle the car began to break down. I tried to exchange the vehicle several times but management would not exchange the vehicle until their mechanics reviewed the vehicle. After I brought the car in to get serviced I still had issues with the vehicle. So  on  XX/XX/XXXX  I retur ned the car to the dealer. I was not told until after I returned the vehicle that they would log it as a repossession and that the car was financed thru a third party. After careful research I have discovered that the dealership and the finance company are the same company. Also, I was told by the sales manager that the ca would not go on m credit because a full deposit was never made and any funds I did pay to them would be for the rental of the car for 10 days. This did not happen. The dealership forged my signature and dates on paperwork for a voluntary repossession when the car was a return so they could keep their commission. The finance company UNITED AUTO ACCEPTANCE s is very aware that this debt is not valid but they continue to pursue this.     They have also violated several Georgia laws during this process. Under Georgia state law the lender had to send a certified letter by  XX/XX/XXXX  stating any balances owed. They did not do this and have on several occasions failed to produce evidence. Please look into this as soon as possible. This company is a predatory lender and is not following the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX. XXXX. Got a phone call of someone pretending to be our utility company about to shut off power due to non-payment of last XXXX bills. They knew our address and amount of the XXXX bills. Long story short, talked us into paying the XXXX bills ( XXXX combined ) and an additional payment of XXXX. We paid this via the XXXX button in our online banking app, to a person named " XXXX XXXX ''. Shame on us. We called the bank while the transactions were still in " pending '' but they wouldn't do anything. 

Subsequently, we made a dispute claim XXXX XXXX, made a police report, and are trying to talk to XXXX fraud department that handles our bank, but so far are on hold, 1+ hours as I write this. We didn't know XXXX is like cash and offers no consumer protection. We thought since we were using it THROUGH our bank website that there was some protection and/or ability to reverse while still in pending. 

Then I learned that a consortium of banks invented XXXX! Now I'm not trusting my bank so much... 

The bank won't help because because the federal law protecting consumers from the theft of their funds applies only to " unauthorized '' transactions, and we authorized these transactions. 

But, I learned that in XX/XX/XXXX, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent XXXX transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 

The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. 

I always loved my bank- now, not so much...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the DPT ED/XXXX and US DEPT OF ED accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2022-07-11
Company: Experian Information Solutions Inc.
State: NC
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:
In 2019 I filed Bankruptcy, it was dismissed and a few months after that, I noticed it was placed on my consumer reports. XXXX, XXXX and Experian. I called each Consumer reporting agency and made them aware that I did not authorize them to furnish any information about me on my consumer report. XXXX removed the Bankruptcy while the other two did not. They told me it was verified. I asked verified through whom? They began to tell me that the court verified the Bankruptcy. I wrote a letter to the court asking them do they verify Bankruptcies and if so, whats is the process. The court wrote me back and said they do not verify Bankruptcies at all. Now, under 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy and 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. I did not at any time give the reporting agency my permission to furnish any information about me on my report.

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 2020-03-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In XXXX of XXXX, I received an American Express Rewards card in exchange for being bumped from an oversold flight from Delta Airlines. 

To be sure of when I could use the card, I searched americanexpress.com and other sources. All the information found online about " American Express Reward Card Cardholder Agreement '' says : -- -- Begin Quote -- -- FUNDS DO NOT EXPIRE The funds on the Card do not expire. 

VALID THRU DATE The " valid thru '' date on the front of the Card is the date through which your physical plastic card may be used. This date is required to process transactions at merchants that request a plastic expiration date. Even if the " valid thru '' date has passed on the Card, its Available Balance remains unchanged and intact. If an Available Balance remains on the Card after the " valid thru '' date, call XXXX to obtain a replacement Card or for instructions on how to redeem the Available Balance. 
-- -- End Quote -- -- I found the above quote in many, many links from americanexpress.com,  including but not limited to : https : //www.americanexpress.com/us/prepaid/gift-cards/terms-and-conditions.html https : //www.americanexpress.com/us/customer-service/faq.gift-card-expiration.html https : //www.americanexpress.com/us/prepaid/gift-cards/Reward-CHA.html https : //balance.amexgiftcard.com/using-your-card ( see Attached printouts of those pages ). 

After an exhaustive search, I never found anything to contradict the quote above so I had no reason to doubt that my card could be replaced with a new expiration date. The expiration date on it is XX/XX/XXXX, which was 6 days ago. 

Today, I want access MY money and they tell me that it is expired and there is " nothing they can do '' as they have created some sort of exception to this card. I escalated the call as high as they let me escalate it ( XXXX, manager from Guest card Services, she said they are not allowed to give last names ) but did not solve my problem. 

This is false advertisement. I only want to access funds that belong to me. 
I am XXXX and this is causing undue stress in my life. I counted on that money to pay for my expenses. Not that this should matter but I am an American Express customer with a high limit and a FICO credit score over 810. 

I expect American Express to do better and make this right ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my mortgage with XXXX XXXX XXXX XXXX XXXX and they sold my loan to Fay Servicing LLC, back in XX/XX/2021. On XX/XX/2021, I requested a payoff from XXXX XXXX XXXX attorney XXXX XXXX XXXX XXXX ( because I am in an active chapter XXXX bankruptcy and the payoff comes from them ). 
On XX/XX/XXXX I receive an email from XXXX XXXX XXXX XXXX stating to contact XXXX XXXX XXXX because there is no open file for my property address. 
I contacted XXXX XXXX and I was told a letter was sent to my bankruptcy lawyer about the sale my lawyer states they never receive any letter from XXXX XXXX Loans or Fay Servicing LLC. 
Now Fay Servicing who is my new mortgage company said they can not talk to me and that my bankruptcy lawyer has to send them a letter of authorization to give me any information on my loan. Fay Servicing refuse to give me a Supervisor. 
I need to get a payoff and insurance information from Fay Servicing LLC and I am not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Payment to acct not credited

Complaint:
I have a loan ( should be had ] with Wells Fargo bank. It is secured by two c.d.s. of {$50000.00} each This loan could be paid off anytime. XX/XX/2016 I made a payment of {$67000.00} against a balance of $ XXXX.The check was from a title company whom I had gotten a loan from This should have been simple, pay off my loan, and give me a refund. XX/XX/XXXX was a XXXX and I was told it would take to next week to clear the transaction. My receipt said it would take 3 days to post but it will be credited to your account. 
I went back to the Wells Fargo branch on XX/XX/XXXX and asked why my loan still did not show being paid off. XXXX called and was told it was taking time. In addition, I was told there was a check in the mail of {$4700.00} being sent to me. 
I waited till XXXX, no check and still showing a balance of now {$64000.00}. I asked where my check was and was told there is no check, we will deposit the money to your account. 
This is now XX/XX/2016. It has been ten days since I paid this off and I have no refund money and I still owe now {$64000.00}. I was also told when I asked that my c.d.s which secured this paid off loan would take 2-3 weeks before they could be released. This would mean from the date of payment that my c.d.s would be held for 31 days. Why? 
XX/XX/XXXX, I was told by XXXX that he had tried to call me and sent an e-mail ( strange I have an answering machine and no message and surprise no e-mail on my computer ) that wow my loan only showed that I owe {$1700.00}. 
The overpayment money was still not deposited to my account. 
How XXXX are the people that handled this transaction? 
They could have paid off the loan and put the overpayment money into my account. This is now XX/XX/2016 and once again I will go in and see if my refund money is available. 
I just want to get this finished, have my loan say zero, have my refund, and have my c.d.s

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 2019-10-20
Company: Professional Adjustment Corp. of S.W. FL., 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:
I logged onto my credit monitoring site and there are a few fraudulent accounts that's on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX has contacted me on XXXX occasions. XXXX time stating I owe on a loan. An must take care of in timely manner before court. ( call on XX/XX/XXXX ) XXXX call was asking what I have decided to do to resolve issue. I told them it was n't my debt. She told me good luck. ( call on XX/XX/XXXX ) Then received a message stating I had XXXX to make a statement on my behalf. ( call on XX/XX/XXXX ) I have also received a email stated the debt I owe. They also have some of my personal information. I asked when the loan was deposited and when payments where missed. They could n't address that information they told me. I have called cashnet to double check on any loans. They stated the last loan I received was in XX/XX/XXXX and had been paid in full. An then offered me a loan which I refused.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I like to report that there has been fraudulent activity going on in my bank this is the banks from wells Fargo and XXXX XXXX XXXX I have also had accounts tried to be opened up at the XXXX XXXX in my name I have already disputed claim and written letter to well wells Fargo and XXXX XXXX XXXX they XXXX XXXX XXXX has yet to respond to the claims it has been more then 30 days and I have yet to receive a response from XXXX XXXX XXXX theat are now 3 days pass

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I took out a {$5000.00} loan from my 401K because I had a family emergency, I deposited the check Friday XXXX/XXXX/2015 into my Wells Fargo Checking account. On Monday XXXX XXXX XXXX noticed online there was a notice stating my deposit was on hold and will not be available until Tuesday XXXX XXXX, 11days after the deposit date. I called the bank after I read the notice and I asked them to please help me cause I could n't wait that long because of the emergency that I had which was the main reason why I took the loan in the first place. They told me there was nothing they could do and that I had to wait. Since I could not wait that long, I asked to return my check so I can cashed it at XXXX XXXX XXXX XXXX. They said they could n't do that neither and that I had to wait. My dog die because I could n't afford for the emergency surgery and the medication that he needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation