BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
When I left my last employer, my 401k account had been transferred to Wells Fargo. I had no idea that it had been transferred to Wells Fargo until I called the original company that was managing it because their statement had fees and I wanted to know more about the fees. 

After getting in touch with Wells Fargo, I instructed them to close the account and send me the funds in the account. I had barely {$200.00} in that account and I was being charged the equivalent of about XXXX % every quarter. When I made my request over the phone, I was instructed to prepare a written request, fill out a several page form and even get one of the documents notarized! I have never had to do so much work to get my own money back. 

They were clearly doing everything possible to make it hard for me to obtain my funds. To give some perspective, I was laid off from a job in XX/XX/XXXX, where I had a 401k balance of about {$85000.00} that was managed by a more reputable and friendly firm. I only had to log into my 401k account online and make a request. Within one week, I was mailed a check for the entire amount. No questions, no written requests, no documents to get notarized. 

After I went through all this trouble, I received my check in the mail and observed that I had been charged the equivalent of about XXXX % of my balance! There was not statement, no explanation, just a check for about XXXX % of my balance. To say that I am livid is an understatement. This is abuse, and this is coming on the heels of Wells Fargo being issued fines by your very agency for shady behavior. Well it seems that they are still up to no good, abusing customers and squeezing us for fees wherever possible. 

I am fortunate that I am not in a financial situation to be impacted by this behavior, but many Americans do not enjoy my position, and these outrageous and what SHOULD be illegal fees must be addressed. 

I would very much like you to go back to Wells Fargo and investigate their practices with respect to managing ( or fee farming ) 401k accounts. Your assistance would be greatly appreciated. Americans work too hard for their money to be treated this way.

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 2016-07-25
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am frustrated with this entire financial system. I grew up in financial difficulty. From before I could remember, my credit has been in the gutter. I have been trying extremely hard for MANY years to pull myself from the bottom, but with each loan or credit card coming with an interest rate significantly higher, or even double the national average, it is extremely hard to keep up. I am a member of the military and have been for the past 20 years. I have managed to buy a home and XXXX cars, but at higher interest rates than even my most junior subordinates. Even demonstrating an ability and willingness to make these high payments, it seems that there is no escape. My wife and I feel trapped in a nightmare scenario, where we pay and pay and pay, while our neighbors are enjoying the benefits of always having good credit. I have never known that feeling and will as it stands now, will NEVER get to know that feeling. My Mortgage interest rate is 4 %, car loans are 25 % and higher, credit card is 26 %. I am able to pay XXXX car payments that total $ XXXX/month, a Mortgage payment that is $ XXXX/month, and a minimal credit card payment, along with all utilities and entertainment that comes with a XXXX member household. However, this is taxing, as we have no savings to speak of and can not have a savings with these high interest rates and no bank willing to help out. I am in school, but that is paid for by the military. If I were a private citizen, I would not be able to afford this and would be trapped and unable to achieve a better credit score and the door of possibly bettering my score would remain closed. I guess my complaint is simple, the financial/credit score system is rigged and unduly prejudicially punitive to the majority of lower-income people in this country. It rewards the well-off with all the benefits and punishes or takes advantage of those that have no other choice but to take what they can get. I never had the opportunity to fail, because I was not afforded the financial 'altitude ' to fall in the first place. 

That is my complaint, Concerned Consumer

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 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2021 I sent a letter to the credit bureaus disputing a series of erroneous accounts in my credit report and the credit bureaus have never responded to my disputes, they have not even taken the trouble to notify me of the status of my disputes currently. They are reporting accounts that are ruining my credit.

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 2015-07-23
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient has changed my life in a drastic negative way. I am XXXX years old now. XXXX. I have been on XXXX since XXXX. Navient has continued to harass my mother XXXX and I at least XXXX times a day. They said that I currently owed XXXX in private student loans that I cosigned on for my education. I explained to them that I am on XXXX and I can not afford to pay anything. I also stated that I applied for XXXX Forgiveness for my Federal loans and asked if they could assist me in applying for a program like such for my private loans. I quote that the lady responded to me by saying, " I have never her of such a program and if there is one it would be a true act of XXXX if you get approved, we want our money. '' She also said I do n't care what you have, we will just keep coming after your mother and take all that she has because she is primary. '' Then she proceeded in laughing at me and hanging up the phone on me. I just screamed at the top of my lungs when I got off the phone with her and cried like a baby. There has also been a man calling everyday around the clock saying he is my personal account manager. He leaves nasty messages on my phone as well. I feel like my whole world is ending right in front of my eyes. When my mother took out the loans in XXXX I was XXXX of XXXX XXXX. She had no clue that this would happen to me or we would 've came up with a different route like training classes. XXXX I will be on XXXX for the rest of my life. My mother filed a complaint and was told that there is a forgiveness program out there for this circumstance. I do not believe my mother should be held accountable for this. I read on the Navient page that the only way my mother can get out of this is if XXXX. XXXX I have gone downhill beyond measure. I got married on XXXX/XXXX/XXXX and my mother could not afford to give me a big wedding so we got married in her living room. XXXX days before our wedding day Navient called me and let me know that they wanted {$700.00} a month or else they were going to start wage garnishments. My marriage has not been enjoyable at all. I thought I was finally going to be happy. XXXX I have had to change my XXXX over and over because of my XXXX. I was told by my XXXX to go back to school because I needed something to help my mind get back on track. That I what I did. I obtained my degree XXXX. XXXX I am receiving the proper help. These last XXXX months have been so hard because I feel like everything that I have worked so hard to build within myself is being taken away and broken down. My mother has another daughter a year older than me on XXXX with XXXX. Our family is struggling and we can not afford this. I promise I did not know this was going to happen. I need the forgiveness program on behalf of my mother and I. I need help or I 'm not going to survive. Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA FEDERAL SAVINGS BANK. NOW I spoke to them for the very first time back in XX/XX/XXXX regarding several accounts that were open in my name and my own children 's name that I know I did n't authorize to open. They stated back then that it is me I gave the authorization to open the accounts and that all the accounts were negative and I would have to pay the money in order to stay out of the collections department. I told them that this id ID fraud and I did n't authorize you to open these accounts and especially the ones for my children this is ridiculous. They made me pay and later I found out that my parents were the ones that opened the account but I did n't know. I called them back and they said the accounts were closed due to fraud and you can no longer have an account with us. Now on XX/XX/XXXX I called Early Warning Service to get my yearly consumer report and they stated that USAA Bank reported me as suspected fraud on Early Warning Systems and I am on the report for 7 years. What in the XXXX is going on now. How and why was I reported to this service and why.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Other

Complaint:
I have a credit card through Wells Fargo for XXXX Flooring. I made a promotional purchase for slightly over {$3000.00} with a 12 month no interest promotion. In XXXX 2016, I owed {$130.00} for that promotional purpose. That promotional balance is due by XXXX XXXX, 2016. On XXXX XXXX, 2016, I made a separate {$2000.00} promotional purchase under a 12 month no interest promotion.. I made a {$130.00} payment on XXXX XXXX, 2016 which would have paid the initial promotional balance in full. Wells Fargo has applied over {$120.00} of that payment to the later {$2000.00} promotional purchase and is now demanding an additional {$120.00} payment by XXXX XXXX, 2016 to avoid being charged interest for the entire initial promotional balance. Is there any legal recourse against this flawed allocation of payment to a later promotional balance which will force me to make an additional {$120.00} payment above my {$130.00} payment?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: WELLS FARGO & COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo closed my checking, savings, and credit card accounts due to being unhappy with me for depositing Money Orders into the account. I worked with a banker at the Wells Fargo in XXXX XXXX CT XXXX XXXX. She called several times regarding the matter. My complaint focuses on the checking issue and refunding my balance. She was told and relayed to me that my account would be closed as of XXXX XXXX and a check for my remaining balance would be sent to me. After waiting a few weeks without any check arriving I returned to the XXXX XXXX Wells Fargo and XXXX XXXX called again. During this phone call it was 1st relayed to me that they would contact the agent who was handling my case ( they would not give me the name ), then put me on hold and then told me Wells Fargo was keeping my balance! After being escalated to an executive custome service person I was then told the agent would be contacted again. I shared my concern about hearing several different stories over the past weeks but the only answer was that they would contact the agent and I could call back. Due to hearing several different stories and the amount being XXXX, I feel I have no choice but to file a complaint in order to get my money. I informed Wells Fargo of my intentions. While Wells Fargo may be unhappy with the deposit of several money orders, I have done nothing illegal. The funds have cleared from XXXX XXXX, and Wells Fargo is simply holding my money hostage.

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 2016-12-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
Wells Fargo decided to terminate the banking relationship with me. 
At the same time I was charged {$400.00} interest fee for a balance transfer of $ XXXX I never initiated. I called wells fargo XXXX times and each time they transfer me in circle between XXXX departments. Customer support transfers me to the fraud department, the fraud department transfers me to the loss prevention, and loss prevention back to the customer support. I was on the phone a full week and no one knows what they are doing

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 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.

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 2016-02-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Its pretty simple. My wife and I booked a trip to XXXX place on our Chase Credit card in XXXX for {$180.00}. We had to cancel and XXXX issued a refund to Chase for {$180.00} in XXXX ( we never received ). Between XXXX and XXXX our card number was stolen and Chase issued a new card number. It is now XXXX and Chase refuses to forward the refund from XXXX to our account. I feel like we are caught in Chase red tape because our card number changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: PREFERRED CREDIT INC
State: IA
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: Problem with personal statement of dispute

Complaint:
I am a cosigner on an account with preferred credit I have never been late on any loan when the XXXX and XXXX payments were not paid they never sent anything to my resident or a call for me to resolve the problem but instead reported a missed payment on my great credit score which in return dropped my score XXXX points after learning this I was able to call and the response I was given is they can not take this off my record in return I paid to get the account up to date but I am very upset they didn't notify me to get this resolved before the damage to my credit score I would like this missed payment removed from my record since I was not informed of this and was not given a chance to resolve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Since XXXX, I have been seeking a modification of my mortgage with Wells Fargo Home Mortgage. I was eventually approved for a 3-month trial. The problem I am currently facing has to do with the process at Wells Fargo Home Mortgage. The first issue is that my work schedule no longer permits me to make phone calls to WFHM during THEIR office hours. As such, I had been relying upon e-mail communication. However, within the last few months the " home preservation specialist '' has been leaving messages asking me to call him. Each time I have responded with a voicemail ( after his hours ) and followed up with an e-mail. I have repeatedly informed him that I am unable to do that unless I take off from work. I have asked him to either leave detailed messages on my voicemail or correspond via e-mail. I find it infuriating that I am not being acknowledged for the employment situation I am in. I recognize the importance of not communicating sensitive information via these means and I assume he does as well. However, if there is a request, question, etc. it does not have to be communicated over the phone. 

The second issue ( also during this modification process ) concerns the appraisal of my home. I contested the initial appraisal value WFHM provided as it was $ XXXX too high. I received a letter e-signed by the home preservation specialist indicating that it may be necessary to order a new property appraisal and that a ) I could owe towards the cost of it and b ) I would be notified if a new appraisal was necessary. The next communication I received was a copy of a new appraisal completed by a local agent. I asked the home preservation specialist about this because if there was a cost involved, I would have rejected it. Instead, the appraisal was apparently done without my approval. The reservation specialist suggested I contact Executive Complaints so I faxed a letter to them on XXXX XXXX, 2016 and have yet to hear back. 

The third issue concerns my trial payments. I have made the first two payments on time but yet they continue to show as " unapplied '' in my mortgage statements. In addition, the statement contains verbiage about being past due, so I have grave concerns that while I am adhering to the trial modification, WFHM is a ) reporting inaccurate information to credit bureaus, and b ) accruing additional late charges.

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 2016-08-26
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo Mortgage chronically failed to progress and communicate the status of our XXXX mortgage loans with them and allowed their sub-contractor appraiser to miss several key completion dates that potentially jeopardized our purchase contract commitment dates. This compelled us to change airline flights and travel arrangements to avoid spending time in a hotel. 

Aside from all the angst we incurred a {$240.00} airline change fee as a result. Also Wells Fargo did not share/disclose the details for the second home rider until we discovered signing with a mobile notary. The conditions of the second home are stricter than what is provided for owner occupants and we believe these conditions to be unfair and information for this should have been provided up front. 

Lastly XXXX has missed XXXX dates they provided to resolve our complaints. They missed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 2016. In a Telecon on XXXX/XXXX/16 with WF executive team XXXX XXXX, she could and would not offer a commitment date to resolve our matters. We have lost confidence in Wells Fargo sincerity and ability to address valid customer concerns.

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 2016-12-13
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Lender : Cash Net USA Bank : XXXX, VA I have emails that have been sent to them stating that I am now receiving my pay once a month and not bi-weekly. I needed them to not auto-draft from my bank account because I was laid off prior to getting the job and at the time I stopped receiving pay from unemployment because I was working. I went a solid month with no savings and no income and they relentlessly drafted from my account even after I pleaded with them not to. They asked for pay stubs but I had none because obviously I started a new job. They finally accepted a statement from human resources on company letterhead that states the fact I get paid on the last day of the month. Even though they admit that they were wrong, they are n't able to reverse my last payment. I am going to ask my bank to reverse the payment but in the meantime, I am out a lot of money because of overdraft fees. Here is what I wrote to them : I am going to call my bank to reverse out the most recent payment as according to your recent email, I should give at least two days notice of a request to change due dates. I initiated this process on XX/XX/2016 ; two days after I started my new job. I was laid off from XX/XX/2016 - XX/XX/2016 by the way. I responded that I did not have a pay stub yet and since I was employed I was no longer going to receive unemployment checks. You withdrew from my account anyway and caused XXXX overdrafts for NSF. I then contacted Cashnet on XX/XX/2016 with my first pay stub proving that I get paid monthly and the response was we need XXXX. I called in and complained and someone there told me to send a document on company letterhead stating that I get monthly. I complied and sent it XX/XX/2016 at XXXX. I got no response but it was a full 3 days prior to my payment. Lastly, the overdraft comes out and as I predicted caused an overdraft. You all have to remember that I am a customer. I have been kind, courteous and patient. That has not been reciprocated. In the end, I 'm the customer and the company should be kind, courteous and patient not the other way around.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: World Acceptance Corporation
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted dispute and they did not fix it. There are 3 accounts that are incorrect. All three are paid by garnishment and or by insurance also they made the balance greater after my dispute and it is on a closed account.They will not allow me to dispute anymore and it leaves the accounts showing negative on my report however other credit reports did fix them but XXXX and XXXX and world finance is blocking me to prevent me from disputing these accounts.

Company response to consumer: Closed with explanation