BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a special XXXX account with Wells Fargo that required {$25000.00} in the account. I was charged a fee for this account for many months no matter if the account had over XXXX in it or not. The bank manager almost fell over the teller trying to sell me this and when I addressed it I was not compensated for this deception fully. 

I also noticed a extra savings/checking accounts that were added that I wanted to make sure I was n't charged for those as well. I noticed when I was closing most of my accounts with Wells Fargo. 

Thank you kindly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage loan to comply with a divorce settlement to remove husband from the deed of trust in which I had to buy him out. Wells Fargo set this up as a refinance with my ex-husband 's name on the mortgage and deed of trust even though I specifically told them it was for my name only and gave them a copy of the signed separation agreement. At closing ex-husband 's name was still on the documents. I was told at closing that I had to sign as is in order to get the interest rate and avoid other penalties. I lined through ex-husband 's name in order to get through the closing. Please see attached for timeline of events.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had claimed bankruptcy in XXXX then decided to withdrawal it in XXXX. It was dismissed XXXX XXXX. Leaving me a balance with Wells fargo of {$16000.00}. 
On XXXX XXXX, XXXX, I had a XXXX and totaled my XXXX XXXX on the way to see family for XXXX. Wells Fargo was notified. My insurance company did not hesitate to resolve the matter. I asked my insurance provider at the time XXXX if all was covered and they said they came to a settlement. 
I asked what that meant and she said they came to terms and agreed on the value of the car and they paid {$11000.00}. Wells Fargo cashed the check XXXX remaining balance was XXXX. There was GAP insurance I tried to handle my GAP insurance that Wells Fargo had but they insisted on handling that matter. Guess what GAP was denied. Most likely because at the top of GAP paperwork I finally received this year XXXX. At the top of the page where it says for your info only on the INFORMATION NEEDED TO COMPLETE CLAIMS. Wells Fargo wrote out my Acct # and The Words " Closed Loan '' " XXXX/XXXX/XXXX '' then below that " Fully C/O ''. So wonder GAP said it was denied. But they still never contacted me back to tell me like they said they would if it were denied would contact me. In XXXX ... .they contact me. I contacted then back. I even have a fax cover letter with poc XXXX and her number was XXXX ext. 
XXXX from XXXX/XXXX/XXXX when I requested them to originally remove it from my credit report. Due to the fact, I had moved to another residence in GA. 
They said, They had searched for me. I thought that was funny. I was at the same address when I had the XXXX in XXXX. In XXXX, Wells Fargo filed a XXXX they never sent to my address they sent to my old one I lived at in XXXX. So here it is XXXX and I have tried all avenues of contacting them. I have paid {$3100.00} for this Debt Cancelation yet they refuse to take it off my credit report. I have paid my due 's they have requested to be paid by IRS. If they wanted more they should have asked for more then. But when you add the numbers up to the amount that was owed on the vehicle I have paid. If you can please talk to the creditors/Wells Fargo. I have exhausted all means. Sent all the proof they requested yet no one wants to remove them or something. 
XXXX Debt Cancelation is for something. I paid them completely. IRS gave me confirmation everyone has proof what else is needed? 
one I lived at in XXXX. So XXXX and XXXX I paid

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 2017-03-02
Company: TCF NATIONAL BANK
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a few clients that deposit monies into my checkings and they frequent your warren office on gratiot and EVERYTIME a deposit is made the clerk gives my balance to the people I do not appreciate it and am aware it 's against your regulations because you make me show my own identification before you give me my own balance. Also discussed a deposit and where it came from I am the only one on the account so this information should n't be released from any clerk to anyone I am livid and would like this to be fixed ASAP IT HAPPENED TODAY and numerous other occasions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: CITIBANK, N.A.
State: NV
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:
I believed I paid my balance in full on my Citi card in early 2020. I then received a letter in XX/XX/2020 stating I had past due interest and fees, which they said rolled over after I paid in full. I paid {$190.00} on XXXX which citi customer service ensured me was the final, final bill and covered all interest and fees owed. I now received another letter dated XX/XX/2020 stating I owe more interest. I called and they said I owe {$1.00} which they can not write off nor reverse. I spend a lengthy amount of time on the phone speaking with two different associates which Im sure cost citi more than {$1.00}. I want them to XXXX  out the account once and for all. I would close the card but Im afraid it would adversely effect my credit score. Can you help remedy this 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 monetary relief
Consumer complaint received 2017-07-15
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complain is about the Navy Federal cash rewards credit cards. I have been banking with them since 2014 and I have the credit card in question since then as well. currently the limit on my credit card is {$16000.00}. While I was in   XXXX    program, I made a conscious effort to go into a partnership business by setting up a   XXXX   XXXX   borrowing off my credit card with the hope of increasing my source of income. Overtime, this was n't the case and currently I have been paying back on this credit card. Recently, I realized for almost a year now I have been paying the minimum amount on this card without using it for any purpose, yet this whole payment has been overshadowed by interest on purchases and interest on cash advances which in return literally takes my minimum payment for interest only. I did a personal calculation on what I have paid so far in a year it all summed up to about {$6500.00} yet my credit card debt only show an available balance of less than {$1000.00}. Meaning they are forcing me into some form of debt servitude/peonage because despite making monthly payment I ended up still subjected to making more and more payment only for them to claim interest on it. Initial reaction I thought minimum payment only meant you have more years to pay off your debt not pay off some false interest that is usually taken what you pay. I hope this can be resolved with this bank because they are taking advantage of service members with this practices at the expense of their own existence. This is a fraud and something has to be done if not it will be extended farther than expected. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX   XX/XX/XXXX - did not authorize   XXXX   XXXX    XX/XX/XXXX - Did not authorize   XXXX   XXXX   XX/XX/XXXX - did not authorize  XXXX   XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX    XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
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I also am aware of the glitch with   XXXX   in the  XXXX  of  XXXX  and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was told by a neighbor that my house has a " writ '' against it and that was reported in the XXXX newspaper. 
Wells Fargo does not hold the mortgage. 
I have a modification agreement with XXXX. 
How can they keep doing this to me? At what point do they get fined and sanctioned? This is now harming my professional reputation XXXX a small business owner. I want to know how I file for damages against Wells Fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/2016 My wife and I applied for a mortgage with WellsFargo. 
XX/XX/2016 Completed an RPA on XXXX, Ca XXXX, that included a security deposit of {$14000.00}. 
XX/XX/XXXX WF loan officer Loan officer emailed then called and spoke with my agent to tell her that the loan was approved. ( I have electronic copies of this email ) XX/XX/2016 My agent sent email to loan officer to confirm that in fact the loan had been approved and contingencies could be lifted. An email confirming this was received by agent who then removed contingencies. ( I have electronic copies of this email ) XX/XX/XXXX My agent and I separately tried to contact the loan officer to make sure that we were all set to close on XX/XX/XXXX. He was on holiday in XXXX and not answering his phone, returning calls or responding to emails. After calling the loan officer 's branch manager and leaving a message, she physically went to the branch office in XXXX. She met with the branch manager who had not been informed of the details of our file. She shared the emails with him and he told her that the loan officer should never have said that and that he needed to coach him to not say that in the future. 
XX/XX/XXXX closing date was missed due to incomplete financing. Seller denied extension and communicated intent to keep the deposit. 
Loan manager admitted fault in loss and provided contact information to apply for refund of deposit. 
XX/XX/2016 Official refund request was filed with XXXX at their Customer Care Recovery. 
Recurring 2-week extensions from WF until XX/XX/2016 when I was notified by XXXX that she was now reviewing the case and that any previous documentation could not be found. The entire process had to begin again. 
Recurring 2-week extensions from WF to date.

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 2017-07-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have  XXXX  store credit cards with Synchrony Bank. A Belk Card, and a   XXXX   XXXX   Card. Within the last 2 months, they have reduced the credit limit on both accounts just when I had the balance down to under 50 %. This has damaged my credit because by lowering my credit limit, they have increased the balance to credit line percentage to 97 %, and 99 % respectively.
In addition, they made this decision by pulling my credit report, and judging my credit history, not from the credit lines I have with them, but by using my entire credit report against me. I have worked very hard to bring these account balances down, only to have that work against me because of these big credit limit reductions. For my Belk Card, they reduced my credit limit from {$300.00} to {$200.00}. The   XXXX   XXXX    card was reduced from {$300.00} to {$140.00}. These changes were not gradual, but immediate.
I asked them to send me any documentation showing that I gave them authority to pull my credit whenever they felt like pulling it. All they would give me was their website for their bank terms. They also said, they had the right to lower my credit limit. Should n't they lower, or increase my credit limit based on my account with them, not others?
They have ruined all the progress I made on those accounts.
The refuse to restore my previous credit limit. They wo n't fix any damage they have done to my credit score. By lowering my credit limit, they have sent a clear message to every other creditor, that they do n't believe I can handle my account. It 's not true. I got these cards to build up my score so I can buy a house, they have hindered my, and does n't seem fair.
Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: U.S. BANCORP
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:
XXXX Claiming I owe US Bank XXXX. Have never ever dealt with us bank. Rude, threatening, obnoxious

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 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit cards provide me with my credit score. My score has been steadily growing over several months now - there has been no new inquiries, my credit limit did n't change, and my debt amount has been decreasing by $  XXXX /month. Not only TransUnion shows incorrect Score to begin with, but it also provides different information to different cards, and it took it a step farther when it wrongfully showed my Score falling by  XXXX  points in  XXXX  and  XXXX . I placed several calls with them - got bounced around with no result whatsoever. Filed a complaint through   XXXX   XXXX   XXXX   ( one of my cards getting info from TransUnion ) - did n't hear back from them other. I can not find the way to get anybody to answer a simple question : why would my score fall by   XXXX   points with TransUnion if it grew by  XXXX  at the same time period with other  XXXX  agencies. Representatives appear to be completely incompetent and they do n't even try to help. All they do is trying to sell (!!! ) me my today 's Score info for {$9.00} - makes a lot of sense in this situation ... I do n't understand why the company that is an obvious jobs-outsourcing fraud has been granted access to the most crucial information on every American? And why our Government does not control their activities???

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 2017-03-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On Friday XX/XX/XXXX I received a credit from Wells Fargo of {$200.00} on Account # that ended up being a temporary account and then I received a bill for another account # supposedly new account. I pulled my last bill and it had a different Account which was my original account number. 
I walked to the Wells Fargo downtown XXXX, NC on Monday XX/XX/XXXX and XXXX XXXX, Personal Banker called Wells Fargo Home Projects and spoke with XXXX around XXXX He advised that Wells Fargo had closed my original account because they wanted to remove the Visa portion of the credit card and opened a temporary account in error as my Home Project account. XXXX could see my credit and they advised it would be moved to my new account. 
Since my newest bill was for {$340.00}, I deducted {$200.00} credit and did not pay late fee of {$27.00} as I was not late and Wells Fargo put on temporary account. I should not be penalized, so I mailed a check for {$120.00} as that was the balance and put credit remittance, bill remittance, explanation of deducting {$27.00} late fee and copy of XXXX 's card. 
I then received a letter dated XX/XX/XXXX from Wells Fargo explaining a Temporary account was generated in error and it appeared everything was straightened out. However, I received a call at my work on XX/XX/XXXX at XXXX saying they want to know how I plan to clear up my past due balance. I was so upset as I had already spent an hour personal time from my work the first time straightening this out. I told them I would have to get all my documents from home and return call as the person was saying I missed a payment and I knew I had n't. 
I pulled all my history for a little over a year and I have paid every payment a few days to a week before the due date and have been paying extra and I usually pay at a Wells Fargo. My regular payment was {$160.00} and in XX/XX/XXXX I paid 2 months ( {$320.00} ) and then after that all except for 2 months I paid {$200.00} a month. 
I now have next months bill saying I am past due {$40.00} and there is a {$37.00} late fee. I would gladly pay if I was truly was late and truly past due however if you take {$120.00} + {$200.00} credit = {$320.00}. My newest bill even shows payments {$320.00} other credit {$27.00} late fee so this should have been settled. However when I look on the right side of my bill it say past due {$40.00} and {$37.00} Fees charged. 
I was told my case has been turned over to XXXX XXXX and it may take up to 10 days, in the mean time my account gets more and more complicated. 
I have been paying extra to resolve this account and now I feel they are also messing with my credit as they can report me as late but I am not.

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 2017-07-15
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CREDIT CARD COMPANY : CITICARDS CBNA #  XXXX **** By  XXXX  2017, my credit score was   XXXX    and now it went down to  XXXX , it seems that the reason why, it 's because there is a delinquent account of   XXXX   that went into collection. No bills or statements were sent to me during all this time ; even thought, i have been a client for the past 7 years and they have my contact information ( address, email and phone number ) the only day they contacted me was to tell that my account went into collection. I have   XXXX   other credit cards with this bank and I have always been making payments on time, i never had issues with other credit cards associated to the bank. Now my job is getting affected by this issue because my job is dependable of my credit report, I also wanted to buy a new car and my credit does n't look good i can not get any offers, it 's causing me a lot of delay in my life.I would like to get this issue fix as soon as possible and i can continue living as any other honest citizen.
This issue started when Costco   XXXX   XXXX   switch to Citi bank. I downloaded my Credit Report and it shows that I was a " Satisfactory '' Client with "   XXXX   XXXX   '' cause I made my payments on time. I was never notified about the change or statements were mailed to me. At this point my balance with   XXXX   XXXX   was {$0.00}, and I never gave permissions to renew my membership with Costco ( it was done automatically ), in my 15 years or more of being a Costco member, when i did n't pay the membership it was cancelled, and the next time i had to pay for the membership at front, it was never done automatically until recently. I 'm still willing to talk about this with a representative who willing to help me and do not drive me to different directions. I already contacted the bank and no one is willing to help me with this issue.
Best,  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 non-monetary relief
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I disputed the account XXXX XXXX with Transunion on XX/XX/2021. I have not received any investigation results from Transunion in regards to this account. Transunion has violated my consumer rights. Transunion has violated 1681i ( a ) ( 1 ) ( A ) and 1681i ( 6 ) ( A ) of the FCRA.

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