BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
For the second time in a year, Wells Fargo Bank ( WFB ) has just put my savings account into dormancy, despite my making deposits every two months for years, and a withdrawal today, all via Automated Clearing House ( ACH ) using another of my financial institutions. 

WFB 's recent email notice of this dormancy states the following to reactivate an account : " You can easily reactivate your account by promptly doing one of the following : Sign on to transfer money from or to this account with another Wells Fargo account Make a deposit into this account using Wells Fargo Mobile ( R ) Deposit, or at a Wells Fargo ATM or store Make a withdrawal from this account at a Wells Fargo ATM or store Write a check that is paid from this account '' My savings account has no checks. After communicating online via the XXXX website with " XXXX '' ( WFB online agent ), it became clear that WFB insists on physical presence in a branch to do a transaction, or use of a Wells Fargo ATM, to maintain " activity ''. It intentionally ignores my frequent and timely deposits via ACH into this account. 

A State of Georgia website indicates that to be declared inactive or dormant, a bank must " lose contact '' with a customer for an extended period. It says nothing about requiring physical presence in a branch or using a bank 's ATM to maintain such " contact ''. 

This dormancy policy practiced by WFB should be banned by CFPB, OCC, and other relevant regulators. It is very inconvenient and aggravating to get such an account out of dormancy ( last time XX/XX/2016 it required a hour or so in my local branch # XXXX, at XXXX XXXX XXXX, XXXX, XXXX, GA XXXX ). 

I spend half the year overseas, thousands of miles away from any WFB branch or WFB ATM. I will not return to the XXXX until XX/XX/2016 to fix this problem. 

Please work to require WFB to recognize ACH-mediated deposits and withdrawals initiated by an account holder from another financial institution as " activity '', denying the bank the ability to put an account into " inactive '' or " dormant '' status. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Pinnacle Credit Services, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
PINNACLE CREDIT SERVICESXXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( collection for XXXX XXXX XXXX ) Has been reporting a collection balance of $ XXXXThis account is included in a Chapter XXXX Bankruptcy and has been discharged. 
Pinnacle Credit continues to report the account as UNPAID

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
RE : Complaint Number : XXXX To Whom This May Concern, This letter is a follow up to the above mentioned complaint, which the file may have since been closed. Your correspondence dated XX/XX/XXXX, contacted me regarding notification of the CFPB to US Bancorp due to my complaint to XXXX XXXX XXXX 's office. I did receive a letter dated XX/XX/XXXX from US Bancorp explaining the lengthy process. Within the letter, I was " assured that the remainder of the process would be expedited for a quick resolution. '' I also received a Short Sale Contract Approval letter dated XX/XX/XXXX. The buyer ( XXXX XXXX ), signed a Residential Sale Contract on or about XX/XX/XXXX. By the date of the Approval, she was unable to wait, an agreement to release was signed and she bought another property. 

The agent, XXXX XXXX, contacted US Bancorp and my application was closed. The short sale process started for a third time with my new agent XXXX XXXX, the property was quickly marketed and XXXX XXXX, is the buyer. The attorneys for US Bancorp put the property up for a foreclosure sale requesting me to pay the full and original price, in the midst of us await for the third renewed application process. 

US Bancorp reviewed the information and cancelled the foreclosure sale. The file was reopened, reassigned to a processor and there were no additional documents needed as of email from XXXX XXXX dated XX/XX/XXXX. As my agent, the buyer and I were assure of a " quick resolution, '' a Sale dated was scheduled for XX/XX/XXXX. The date has not only passed but the file, according to XXXX XXXX is still with the processor. The unnecessary delays cause documents to become dated and then the file is " concerned '' to having missed documents that need updates. 

I am hoping that the CFPB will review the above, contact US Bancorp and finally bring this matter to the promised " quick resolution, '' before the buyer is forced to withdraw. Thank you for your attention, I look forward to hearing from your. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX our mortgage lien was discharged in bankruptcy. Our original lien holder was XXXX XXXX XXXX XXXX XX/XX/XXXX. It was transferred to XXXX XXXX XXXX just before filing and discharge in XX/XX/XXXX XXXX. 
Despite the lien being discharged, possession remained in our names. We initially wanted to try and keep the property. As such, we tried to refinance through XXXX XXXX XXXX by submitting ALL required paperwork over 8 times during the next 2 years. 
In XX/XX/XXXX we experienced a house fire, and our insurance company declared the home a complete loss and paid {$130000.00} to rebuild. We signed the check over to XXXX XXXX XXXX, who then instructed us on processing the claim and beginning the rebuild. 
We complied with everything they requested and despite many attempts and well documented communication with them, they would never issue any funds to begin the process. Due to the time it has taken to resolve the matter, we now want the property out of our names so that we can move on with our lives and buy a new house. 
In XX/XX/XXXX XXXX XXXX XXXX sold the mortgage to Carrington Mortgage Services. The insurance funds were wired to Carrington as well. I contacted Carrington and was instructed to submit a request to their Research Dept. so they could look into the matter. The only option to do this was by regular mail, according to Carrington. 
To help us through this process, we obtained legal counsel and authorized the law firm to represent us in resolving the issue. An authorization was sent to them by the Attorney as well as a request to either allow us to transfer the property to them by way of a Deed-in-Lieu of foreclosure, or to have the lien deemed satisfied and released by applying the insurance funds to the account. The initial contact with Carrington was made XX/XX/XXXX. On XX/XX/XXXX -XX/XX/XXXX, all documentation they requested was submitted to them by the attorney. Each time he contacts them, they initially deny he has authorization to represent me. After 3 attempts each time, they then have told him to call back next week to check the status of the deed-in-lieu application. They have had possession of the account since XX/XX/XXXX, as well as the insurance funds. Neither Carrington nor XXXX XXXX XXXX has handled our account appropriately, and Carrington is continuing to further delay resolution by not cooperating. We were not able to purchase a home this year due to the title of this property still being in our names. It has been 6 years since our bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We are paying over the Minimum payment each month and the overage is not being applied to the account ( Cash Advances ) with the higher Interest rate, currently 26.240 %. Instead, Wells Fargo is applying the overage payment to the lesser interest rate account ( Purchases ) 11.490 %. Consequently, I'm paying off the lower interest account faster, however the higher interest account is just piling on more interest and not getting paid off at all. In essence, I'm incurring more debt. 
I have contacted the bank via phone XXXX on XX/XX/XXXX to rectify the problem. I spoke with a representative, XXXX  and then XXXX. XXXX  put in a request for a Case Manager to contact me back via phone or email. Case # XXXX Wells Fargo Bank sent me a letter dated XX/XX/XXXX stating that " According to the Wells Fargo Business Credit Card Customer Agreement , payments and any credits to your Account will be applied in the order determined by the Bank at its sole discretion. Generally, payments are first applied to Bank Fees and Finance Charges then to the lower interest rates and then to balances with higher interest rates. '' Letter is signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX. 
This seems to be in direct violation of The Credit Card Act of 2009.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: TN
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 accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2016-03-03
Company: National Credit Systems,Inc.
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:
-That was on or about XXXX/XXXX/XXXX, I sent a debt validation to National Credit Systems , Inc XXXX '' NCS '', in response to its letter dated XXXX XXXX, XXXX to dispute the alleged account, which is not mine. I gave NCS sixty ( 60 ) day right to cure my notice. 
- NCS sent me a corespondent letter dated XXXX/XXXX/XXXX, stating that they have yet to find sufficient evidence to validate my claim. 
XX/XX/XXXX I sent a letter demanding NCS to delete this negative trade line from my credit reports due to its violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), as well as the Texas Finance Code Chapter 392.Debt Collection ( TFC 392 ) before i can take further legal action regarding this matter. 
- 60 days had passed and I continuously received corespondent letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX from NCS still states that they have yet to find sufficient evidence to validate my claim. 
( See attached files )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I started receiving emails from Bank of America on XX/XX/XXXX notifying me that I was approved for my new checking account. I did not open the account. I called Bank of America and inquired on XX/XX/XXXX, they closed the account and were to send me the paperwork to start a fraud claim as my social security number was used and I wanted to know how the account was opened without any verification of ID and who opened the account. I did not receive the form that they were to email me. I called again three days later, requested this again. I asked that it be mailed to me, they refused. I visited the branch near my home last week and spoke to the fraud dept again and went through the same exercise. I have never received the paperwork to initiate the investigation, they are not doing anything about it. I am not being protected in any manner.

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 2015-10-06
Company: NCC Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified that NCC Business Services was attempting to collect on a disputed rental debt on behalf of XXXX. Because the debt prevented me from being considered for future apartment rentals, I made the decision to pay the disputed debt to resolve the matter and put it behind me. This debt was paid XX/XX/XXXX. I received a letter via email from NCC Business Services that showed the debt as paid in full, and I provided the letter to the apartment office. More recently, I have applied to several apartment communities, and my applications were declined due to unpaid rental debt. This debt is still showing open and unpaid on my credit report, even after almost a year of it being paid. NCC Business Services is responsible for timely and accurate reporting to the credit bureaus for debts they report. They have failed to accurately report this account for almost a year, which has been detrimental to my credit report and has cost me financially due to apartment application fees. I contacted NCC Business Services XX/XX/XXXX to discuss this matter and obtain proof of payment. The first person hung up on me, and when I called back, the representative said my only option was to send an email request to their email address. I have yet to receive the simple letter I requested, and any acknowledgment of my request. This has been incorrectly reported for almost a year. Falsely reporting a debt to the credit bureaus is a violation of my rights as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This took place in 2010 when I first moved to Arizona. I was playing with stepsister at pizza party climbing in XXXX gym and broke a few ribs. The emergency room Dr. never informed me I guess he did not except my insurance. So they could n't get money from me the XXXX time around when it was XXXX they sell it to another collection place and they want XXXX I live on a fixed income XXXX mo. how can I pay

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
During this time period I had always had medical insurance. I should have never been charged for any health bills. I called debt collectors and they said not to worry about it. None of this was placed in writing and now they are claiming I owe them money when I was covered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
inquiries on my credit were removed and then re-added. 
I was not notified per the FCRA Section 611 law. 
these should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Trying to get free annual credit report, ca n't get past TransUnion 's annoying pages/ads for paid credit score, no link to go by it --

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 2016-05-11
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I started to do a Loan Modification through that Obama home modification process. I went straight to my Mortgage company because I never really had a problem with them in the past to do this. They lied to me about the program saying, " We ca n't do a modification on your home because your not late on any payments ''. So they put me into what they call is a forbearance program for 4 months. They set my payments lower than what I was paying and we setup an auto pay with the bank for it. At the end of the 4 months they told me, " that they wanted to do another forbearance because our financial situation has not changed. '' and we were still awaiting a judges ruling on something unrelated to this. I told them No I am not doing another forbearance and to do the Modification we talked about. The Mortgage Company has misled me through the whole process. They could have said NO at the beginning of the process instead of putting me into a lot of stress but instead tried stealing my property by making my mortgage payments in default. I tried to make a regular payment plus extra to start paying back what was delinquent from their doing. They sent part of the money back and said we do n't take partial payments. I have NO idea what they did with the part they kept and I need to find out. When they did this I called XXXX and paid the lump sum, I had borrow from a friend '', to bring the loan current during that month. I called XXXX so there would be proof that this was done. I have Homeowners insurance through Acuity because the last XXXX canceled my policy for stupid stuff and did n't want to let me finish my work. I am XXXX and last year found out that I have only a few more to live because there is no cure for what I have. I still need to know what they have done with the money they kept and why the extra money I sent in was not applied to my escrow account as marked on the back of 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 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There was something strange on my credit report so I called to find out what it was. There was a XXXX XXXX account showing up. I thought it was closed. I called back later. They deleted it. It is suppose to be on there for ten years. No one speaks English. My report is different than what they are reporting to XXXX XXXX and XXXX XXXX XXXX. I do n't know understand why inquiries effect the score. I have XXXX showing up the twice the same day. TransUnion had no answer.

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 2016-09-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Other fee

Complaint:
WELLS FARGO HAS BEEN CHARGING ME EXCESSIVE CREDIT CARD FEES! I HAD A CREDIT DEFENSE PLATINUM INSURANCE PROTECTION PLAN THAT I PAY MONTHLY FOR THAT IS OFFERED WHEN APPLYING FOR A WELLS FARGO CREDIT CARD. THIS INSURANCE PROTECTION PLAN IS SUPPOSE TO TAKE CARE OF THE CREDIT CARD MINIMUM PAYMENT WHEN I AM HOSPITALIZED. I WAS HOSPITLIZED FOR TWO MONTHS AND FILED A CLAIM THROUGH THE CREDIT DEFENSE PLATINUM INSURANCE BUT BECAUSE WELLS FARGO KEEPS CHARGING MORE AND MORE LATE FEES AND HIGH INTEREST FEES AND ALL OF THE OTHER FEES TO MY CREDIT CARD, THE CREDIT DEFENSE PLATINUM INSURANCE STOPPED PAYING MY MINIMUM PAYMENT BECUAUSE THE FEES MADE MY MINIMUM PAYMENT TOO HIGH. MY WELLS FARGO CREDIT CARD HAS BEEN CLOSED FOR MORE THAN A YEAR BUT WELLS FARGO STILL KEEPS CHARGING ME LATE FEES, HIGH INTEREST FEES AND OTHER FEES EVERY MONTH FOR MORE THAN A YEAR EVEN THOUGH I CLOSED THE CARD OVER A YEAR AGO. I HAVE ACCUMULATED MORE THAN {$2000.00} IN LATE FEES AND HIGH INTEREST FEES FROM WELLS FARGO EVEN THOUGH I CLOSED THE CREDIT CARD ACCOUNT MORE THAN A YEAR AGO.

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 2022-11-01
Company: SERVICEMAC, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint again about ServiceMac LLC. 
I received a letter from them that my mortgage transferred again back XXXX XXXX XXXX XXXX which is essentially part of ServiceMac. 
My account was just transferred in XXXX and not it back again. 
I don't have access to my new account to make a payment or paid it off which casing a financial loss estimating at {$500.00}. 
I believe ServiceMac discriminate against me because of the numerous complaint I filed against them which is a violation of the Federal Law.

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