BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
As a result of Wells Fargo Bank misrepresentation of my balance XXXX XXXX XXXX incurred an overdraft fee of {$35.00}. XXXX XXXX XXXX issued a Accord and Satisfaction Paid In Full Check Money Order in accordance with California Civil Code 1526, UCC 3-311 & UCC 3-603 on XX/XX/2016. Wells Fargo Bank accepted the instrument however they failed to extinguish the debt pursuant to the 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
Consumer complaint received 2016-06-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In my long fight ASC ( Wells Fargo ), the most recent battle is with my Property Insurance. My Agent submitted to mortgage lender to pay insurance as they been paying in the past. Instead, they now refuse to pay it claiming my loan does not have escrow. They have paid in the past including the property taxes for the past years. Now they have issued a for-placement insurance and ( of course ) charged to my escrow.

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 2016-03-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
WELLS FARGO DEALER SERVICES MADE A HARD INQUIRE ON MY CREDIT REPORT AND I ASKED FOR PUT OF THE HARD INQUIRE BUT THEY HAVE FAILED TO DUE SO

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 2016-01-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my FHA mortgage into a conventional mortgage in 2015 and the closing was delayed from late XXXX to the first few days of XXXX. My FHA mortgage company Wells Fargo charged me a full non-prorated month of interest for XXXX although the payoff reached them by the XXXX of XXXX. My new mortgage company XXXX Bank did not inform me of this either. I wound up paying a full month of interest over {$1000.00} to XXXX different mortgage companies for the same month. This is absolutely not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Real Time Group, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
During my period of unemployment I defaulted on my XXXX Student Loan. I entered into a loan rehabilitation program with a verified collections agency with XXXX. I was contact will paying the verified agency by another agency called Real Time Resolutions. While not important my loan is out of default. I have contacted the XXXX regarding the negative reporting by Real Time Resolution in the amount of {$1.00}, XXXX when my loan was no longer in default and had been rehabilitated through an agency they verified. I was informed today XXXX XXXX, 2016 by XXXX, in customer service ( XXXX XXXX ) that Real Time Resolutions is not a recognized as an agency working with XXXX. This company has fraudulently report that I owe them an unpaid balance when I never had an account with them nor did they have the right to attempt to collect on behalf of the XXXX for my defaulted XXXX Student Loan. I am working to restore my credit from my period of unemployment and here this company is reporting fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: 4M Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX tire center is trying to collect on an account that was opened with my fathers social security number due to the fact that i did not qualify for credit because I had filed for XXXX Bankruptcy XX/XX/XXXX. Due to financial struggles and health issues my father was forced to file for bankruptcy in XX/XX/XXXX or XX/XX/XXXX to my knowledge. Ive received a book-load of receipts and invoices where my name is shown. Their collection agency has called and threatened the guy was very rude, telling me the collection was going to stay in my credit and he would make sure it did, after I asked for a copy of the application with my social, which they cant seem to provide. Also asked for a credit report where they had ran my credit, they cant seem to find that either. They do n't even have my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a foreclosure in 2011 and this loan was a second on the the original mortgage that is still reporting as if it has a balance of XXXX and should have been part of the foreclosure or at least show a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech took down access to statements and online account access for 10 days. This is impacting my ability to refinance as I can not get my statements. I agreed to go paperless. What they did not disclose was a way to get access to my statements during the upgrade - I called and they could n't even fax them to me. If companies are to provide online statements they should keep them accessible online and not inaccessible for more than 48 hours. I want to know what the law is and am certain Ditech is not within the law. This disclosure I attached and they posted does n't tell you that consumers ca n't access copies of their mortgage statements for over 10 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Plaza Services apparently purchased this debt from a payday lender. They have never attempted to contact me to collect this debt, so I never had an opportunity to dispute it before it showed up on my credit report. I do not have any outstanding balances with any payday loan companies. I have also submitted a letter to Plaza Services requesting validation under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Date : XX/XX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX COLONY XXXX XXXX XXXX XXXX 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 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As of XX/XX/2016, while applying for a home, I learned of some fraudulent information on my credit report. I first filed an identity theft report with local authorities and then sent a copy to each " creditor. '' I received a letter from XXXX of the XXXX companies agreeing that the accounts were found fraudulent and that they requested that they be removed from my credit report. Transunion had initially removed each " creditor '' from my file but later sent a statement that they were " reinserted. '' I 've requested original documentation/applications of credit be sent to me however, to date, I 've only received copies and the incorrect information still remains on my credit report preventing me from operating in commerce as I should be able to. I 'm requesting assistance from FTC and/or its affiliates to get all incorrect/fraudulent information off my credit report. Also, soon after bringing my issues to each " creditor, '' the accounts that have not been removed, have quickly been sold to a third party who now continue to harass me for unwarranted payments. Please help.

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 2016-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX representative mistakenly did a hard pull on my credit report. I contacted XXXX office of the president ( XXXX ) XXXX extension XXXX and XXXX informed me they have requested TransUnion to remove the hard inquiry on XXXX/XXXX/XXXX. 

XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX On XXXX/XXXX/XXXX the hard inquiry was still on my TransUnion credit report. I contacted XXXX and they informed me that the request was sent and the processing time is entirely up to TransUnion. 

On XXXX/XXXX/XXXX, nearly half a year later, the hard inquiry is still on my credit report. TransUnion failed to process the removal request in a timely manner and always pushed me to creditor ( XXXX ) when I contacted TransUnion customer service. The customer service supervisor I spoke to was XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have trouble with my transunions credit report. I have a XXXX hard inquiry with XXXX. I talked to this credit company to find out that I never had an account with them. 
Transunion needs a letter telling them that i do n't have an a account. Just please state that I do n't have an account with you and resolved this problem or at least with direct me to the person who can help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in XXXX I tried to get An afordable payment via Hardship I qualified for Thru HAMP Wells Fargo Claimed my Loan # XXXX originated in XXXX of XXXX and I could not Qualify. They Solicited That XXXX step Mod. They changed my loan Number so they would have Their deceptive Proof. They drug the process out for 4 years and tried to take my home, I had to file a petition of Bankruptcy to Stop Them. Finally in XXXX of XXXX they gave me another Payment of {$1000.00} per month. I am XXXX and only get XXXX per month. They claimed i make XXXX. They also added {$42000.00} to the end of my loan. This is all Predatory. They are nationally known as being Crooks. Why Cant YOU HELP ME?????????????????????????????????????????????????????????????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My husband went to a local branch and paid off my car loan. Knowing he was not on the note and the branch woman could not release my account status information ( payoff quote ), he rounded up and overpaid ( what I showed on my account to be the remaining amount ) by {$3.00}. We received the paid-in-full letter dated XXXX XXXX, 2015 via mail stating the title released and enclosed. On XXXX XXXX, 2015, I called requesting the payoff overage. The man I spoke with said he could not find it, nor my final payoff statement. I asked him to get manager assistance and he stated the manager could not find it. The man said he could send a payment history, I never received this document ( I did note that the CR verified my current address ) My husband called again on XXXX XXXX, 2015 to simply request a payment history ( or payoff quote, I can not remember ) sent to the address on the account. I then called sometime in XXXX? ( I did not write down the date I called ) and spoke with XXXX who then transferred me to XXXX. # XXXX XXXX was very defensive during the call regarding this history of mine and my husbands previous conversations with the company. # XXXX XXXX stated there was no overpayment ; however, how could it be that my husband rounded up and that overpayment amount just so happened to be the EXACT per diem interest rate? The final principal was {$1800.00} ; my husband paid {$1800.00} ; an overpayment of {$3.00}? # XXXX XXXX advised she would send a payment history within the next 7-10 business days. I have never received this document. Please understand that I did affirm XXXX at the end of our call, because I believe in affirmations and I know CS is not always easy ; however the tone of her conversation was defensive until that point. A CR should never be on the defensive. We as customers can not see the same history CR 's can and most of the time we are going based on our lunch-break chicken scratch of notes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo deposited and cashed a XXXX party check without having the required XXXX signatures. Outcome to XXXX XXXX, 2016 letter from Wells Fargo Original compliant XXXX. 
XXXX XXXX, 2016 Subject : original CFPB XXXX XXXX XXXX XXXX since your last correspondence date XXXX XXXX, 2016, I have followed up with XXXX regarding the breach check on XXXX XXXX, 2016. As of XXXX XXXX, 2016 XXXX informed me that Wells Fargo has requested additional documents, I have included Citibank 's correspondence. A S Home Improvement is Wells Fargo client. I have not had any contact with A S Home Improvement since Wells Fargo deposited and cashed the check without the required signature from A S Home Improvement on the XXXX party check. This account and video has been subpoena by XXXX. Contact XXXX XXXX XXXX regarding the police report and warrant. 
Although you have stated Wells Fargo corresponds directly with XXXX, XXXX suggest that I correspond with Wells Fargo. It appears to become a XXXX game that I can not entertain. Wells Fargo gave the funds away without following Banking Regulations. I am the victim of this crime. The request for me to get an affidavit from your client, who has vanished, is absurd. Wells Fargo is liable because banking protocol was not followed. Therefore, the breach check needs to be replaced in full and sent to XXXX. More than enough time has passed to resolve this issue. 

CC : CFPB

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 2015-07-30
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015, my father, XXXX XXXX XXXX, wrote me a check for {$2500.00} from his XXXX money market account. On the same day, I deposited the check in my Wells Fargo account at the ATM XXXX located XXXX Alabama XXXX. 

On Monday morning, XXXX/XXXX/15, I phoned Wells Fargo to inquire as to when the funds would be made available, and Wells Fargo 's representative told me that the deposited funds would be made available on Tuesday XXXX XXXX/XXXX/15 ) at XXXX. Tuesday, XXXX/XXXX/15, only {$200.00} of the funds were made available to me. 
I phoned Wells Fargo again to inquire as to why this was happening, and I was told that the funds would not be deposited until XXXX XXXX, 2015. 
When I banked with XXXX Bank, my father wrote me checks from his same XXXX account, and there were never any issues - the funds cleared in the standard two business days ' time. 
I find it highly suspicious that Wells Fargo is holding these funds ; and I know my father to not write bad checks. Personally, I think Wells Fargo 's business practices need to be investigated. I have also contacted an attorney. 
If you need any documentation from me, please find my contact information below : XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, AL XXXX XXXX : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: MT
Product: Credit card
Issue: Overlimit fee

Complaint:
I have totaled altogether XXXX in overdraft and transfer and interest fees for 1 month from XXXX XXXX Bank . This is like a loan sharking Bank and I am very concerned about the extra charges. Additionally, I have not received any bonus miles on my Credit Card in over 9 months and I find that confusing. I am unable to get XXXX the manager at XXXX XXXX in XXXX, Mt. to call me back and explain these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to a Wells Fargo branch and added my fiance to my PMA checking account. Turns out bank employee added him to all my accounts and he received XXXX debit cards in the mail which we did not request. turns out the bank employee not only opened XXXX accounts in my fiance name, but she had XXXX debit card mailed to her at the branch and she even activated it and linked it to my savings account where i had over XXXX. I reported this discovery over the phone to wells fargo fraud dept and told them We never ordered the debit card and it was sent to an employee whom we do not know at the branch. I asked to file a fraud report on the employee and wanted a follow up call. The next day I went and spoke with VP of the XXXX branch and she said the debit card was reported lost, which is not the case. Employee fraud is happening and they are covering it up. I have no clue how many other cards are linked to my accounts and my fiance has no clue how many accounts are created in his name now and linked to other folks accounts. I asked them to transfer all my money to my credit union and she shewed me out of the branch saying " no, your money is safe, this was an accident. " .Employee was never fired and I got shewed out the door. Please help!

Company response to consumer: Closed
Consumer complaint received 2016-12-20
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This debt is not mine. I have no knowledge of debt that is attempting to be collected and I want it removed from my credit reports with XXXX, XXXX and XXXX. I want all collection actions to cease and do not want them sold nor transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Eastern Account Systems of Connecticut, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection Company Name : EASTERNACCOS reported to XXXX that I did not paid {$220.00} XXXX. I have called XXXX to send me the invoice or what is the charge. Customer service not able to explain or not able to send me the invoice.Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: LENDER LIVE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Suddenly, got a call from XXXX ( in XXXX ) that we had missed XXXX loan payments ( XXXX & XXXX ), but our loan had been sold in XXXX last year to LenderLive, not XXXX When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A business was created under my name without my consent or permission, I have asked several times for the debt collector to remove my number. 
They called yet again today and when I told them it was not my debt they became rude and harassing.

Company response to consumer: Closed with explanation