BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check at a Wells Fargo ATM and the ATM gave me a message that the check balance will be available the next day. I get a email from Wells Fargo 2 days later that the balance will not be available until the end of next week. I contacted the issuing bank and the funds had already been withdrawn. I contacted Wells Fargo and there answer was " that as a customer I was rolling the dice when I deposit a check ''. This is a crazy response!

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 2021-08-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Im sick and tired of his bank denying me credit I applied in store this time as they told me with my id and their stupid system wont even pull my credir to see if I qualify for this card Tjx card why are they doing this to me must they hate 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 2016-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2016, I noticed a fraudulent charge on my credit card. 
I called Wells Fargo to notify them of this issue, and the agents I spoke with refused to assist me. I had recently been through more than 100 phone calls in an effort to resolve fraud shutdown issues with my card, and was met with a lot of resistance. 
Moving forward, there have been numerous more fraudulent charges to my account. I 've made more than a dozen phone calls, and sent several messages, in an effort to resolve these fraud issues. 
In lieu of resolving the fraud issues, Wells Fargo closed my accounts. I am unable to receive any assistance from them anymore. 
On XX/XX/2016, I met with XXXX in the XXXX branch, and she confiscated my cards while I was there.

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 2021-08-01
Company: EQUIFAX, INC.
State: NC
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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Refused Mortgage because I am a XXXX despite my great credit rating and excellent work history. Reasons were given through a text, gap in employment, a number of different staffing agencies. No credit for gross income or ability to find good paying contracts or that my wife had a full time position.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A debt collector contacted me via fake process server to give me a heads up for a debt from 2011 which I do not owe. They claimed a Wells Fargo bank manager signed an affidavit that I took out a pay loan in the amount of {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector of CashNetUSA have been calling me multiple times, 3 times a day. Everyday they call me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: PA
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 PA XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report.

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

No consent is IDENTITY THEFT! 

XXXX XXXX XX/XX/XXXXInquiry :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I believe Wells Fargo has used predatory practices concerning my XXXX. I acquired this loan XX/XX/XXXX I was not told by Wells Fargo that the second mortgage I acquired would be XXXX % rate at the time of purchase and I ca n't find any supporting documentations associated with this loan embedded in my loan document. 

My loan has been sold several times and they cant find the trail of my original document. The outstanding balance is XXXX due XX/XX/XXXX. I will not be able to pay this amount and risk loosing my home. I have been in contact with Wells Fargo several times since to help me resolve this problem and ask for help. I contacted XXXX in XX/XX/XXXX and they helped me contact Well Fargo. This was the first time I got an expedient response and I was told my application was declined due to my Loan to Debit Ratio. 

I am currently upside down on my home and the value has plummeted. I tried the Obama option, but was told again that my Debit to Ratio is too high. I was told that if I was not currently in debit they ca n't help. When I asked Wells Fargo again about my options, I was told I had to wait to closer when the loan matured. I was concerned that this would not be the best decision. I was told my only option would be a Home Line Of Credit at XXXX % interest pending an application.. 
I would like to roll the remaining balance into my first mortgage. 
I 'm currently afraid of loosing my home. 

Can you help in resolving this matter or have any advice? Thank-You for taking the time to read this correspondence.

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 2021-08-02
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The company removed charges but didn't remove late payments. The charges should never have been there from beginning. During whole lease never missed XXXX payment. After car was turned in they came with a bogus charge.

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: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have Auto Loan with Wells Fargo Dealer Services and I have been paying on the loan for 2 years and making more than the min payment for 90 % of all payments made and they are not applying the extra to the principal as I have requested. I have called several times and they are not making the notes on my account. With every payment I call and they advise that I need to wait until that next payment posts to the account. 
This is allowing Wells Fargo Dealer Service to collect more interest and I currently have XXXX sitting in a Suspense account not being applied but being used to reduce the next payment due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card
Issue: Other

Complaint:
I legally settled a credit card account with Wells Fargo Bank on XXXX/XXXX/14. The balance at time of settlement was {$13000.00} and I paid, per our settlement agreement, {$6700.00}. The amount they subsequently wrote off was {$6700.00}. I have attached a Satisfaction letter from Wells Fargo as proof that the account is fully satisfied, however, Wells Fargo continues to report a balance in the amount of {$6700.00} for this account to my credit report at all XXXX of the major credit reporting agencies XXXX XXXX XXXX. Obviously this is harming my credit significantly. I have disputed this account both with the credit reporting agencies and, subsequently directly with Wells Fargo but they arrogantly do not respond to me with explanation and continue to reporting this balance, even though they clearly know they are reporting in error. To my understanding, this is a blatant violation of the Fair Credit Reporting Act. I have also attached the XXXX letters that I sent directly to Wells Fargo, informing them of their error in reporting.

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: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I live in a townhome and the home next to mine ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) has been abandoned for several years. The lender on that property is Wells Fargo and they have not completed the foreclosure process on the home. The problem I am having is that the home next to mine is uninhabitable and needs a new roof. Every time it rains the water from next door comes in through the party wall and floods my home. Sometimes I have had about XXXX inches of water running through my living room. Needless to say the dry wall, most of my cabinets and furniture have been ruined. I do not have a water heater because it was damaged with all the water coming in so my XXXX sons and I have been taking cold showers for months now. I also fear that mold is growing in my home. 
The same thing is happening to the neighbor on the other side of this home. We have tried contacting the bank and spoken to reps of the bank that have come to check in on the property all to no avail.

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 2021-09-17
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are false credit card balances being reported to credit reporting agencies from XXXX XXXX and discover. They are inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: IN
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've sent in a letters disputing inaccurate information on my credit report on XXXX and still to this day have not received any response to my issue. All 3 major credit reporting agencies have violated my right to privacy under the FCRA 15 usc 1681 ( a ) ( 4 ) This has caused me denial of my consumer credit which is causing me to stress and have anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: J.S Resolution Group, Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was contacted by a representative from J. S. Resolution, saying that I owed a debt that was several years old. I had never heard of the payday loan company. They claimed they had the check, and it would be returned to me once I made the payment.The representative was rude every time I spoke with him. I was trying to get as much information as possible to make sure I was doing the right thing. Now that I have paid it, he said that the judge has the check, and I opt out of getting it back because I did n't take it to court. What proof do I have that this check would not come up again, he did n't have an answer, and became exdtremely rude. Because I called back and questionsed him, was I guess another reason for his rudness. I paid it. I just want proof that this same check does not come up again. If I have done wrong, I took care of the matter. Because I asked questions is no reason for the rude behavior. He was uppose to be a professional.How do I get the check back?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Bread Financial Holdings, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Comenity Bank. I've never even heard of this bank. I went to a presentation for XXXX XXXXXXXX XXXX timeshare program and declined to purchase. I did not sign up or purchase a membership ; however the company used my information and opened a Credit Line at Comenity Bank, for {$5800.00} in my name. I asked them multiple times what they were doing with my information and was told they would only do an XXXX  credit check. This credit check was then used to obtain an unauthorized line of credit in my name without my consent, knowledge, or permission. This is a huge line of credit that I tried to get closed, but the representative at Comenity bank was not helpful and now this is really hurting my credit score while I'm trying to refinance my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I currently bank with Wells Fargo and have several accounts open with them. Recently checked my account online and seen they charged me XXXX overdraft fees of {$35.00} each. Now given that I have overdraft protection on my accounts, they did not waive the fees for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: Integrated Recovery Services
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a call from Integrated Services at XXXX. I can not recall the mans name but, I was told I owe this debt for a payday loan back in 2014. I said okay, send me proof the debt is valid and I will work on paying it. he said why do I need paperwork? and proceeded to call me a XXXX and then hung up. I have also received calls from them at my work number as well. Please stop these scammers!

Company response to consumer: Closed
Consumer complaint received 2015-12-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After 10+ years of banking at Wells Fargo they closed my account due to a " business decision ''. Meaning, a relative gave me a check and it bounced because she did n't have enough money in the account and they had to return the check, so they charged me {$12.00} and closed my account. They never gave me any warning or alerted me. I was told in the branch they would send me a letter explaining everything and a letter was never received. Additionally, they will not allow me to access the money in the account, which I desperately need to pay bills, causing over {$200.00} in late payment charges. After calling multiple times and being transferred over XXXX times to different departments I never got an answer. After closing my checking account and freezing my money they subsequently closed my credit card causing multiple declined purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I called to request validation of the debt owed to my address because the company said they were filing a lawsuit against me and the request was denied. On XX/XX/XXXX, I called again and requested validation again but the request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: MD
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:
I sent a letter dated XX/XX/21 about inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and my disputes ignored. According to section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. You have failed to do this. Accordingly, the items should be deleted from my credit report promptly. I demand that these items be deleted immediately or I will litigate due to the untold stress it has caused me. My information was also impacted by the Equifax data breach which has caused me untold, personal and great agony. Im afraid my information may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: U.S. BANCORP
State: SD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been waiting 6 years... YES... 6 years... under the constant promise that my bank ( US Bank ) was going to get us an affordable mortgage so my wife and I could keep our home! Anyone who hears this story can not conclude that this is our fault! The bank has held all the cards. They have been stringing us along with the hope that we were going to be able to save our home. I have laid out all the particulars in my complaint, including the FACT that US Bank lost all of our documents! ALL... lost... and yet somehow it 's our fault that we have been delayed and have not been given an affordable payment. That 's all we have been asking for!! We have paid for over 15 years, almost {$2800.00} a month and yet we can not find someone at US Bank to get us a lower payment so we can keep our home! Now, we face being foreclosed on! We are more than angry! We want US Bank to pay for our delays, and all the charges we have accrued from their incompetence!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ARS account resolutions also noted as XXXX XXXX XXXX of XXXX in the amount of {$1200.00} on my credit report since XXXX should be removed. I am not aware of who or what this medical item is and have NOT been to a hospital since XXXX. I had medical insurance thru my company at that time, this all medical items from XXXX were paid thru insurance. This company has never contacted me via phone, nor have I ever received anything via Mail about owing such a large medical bill since I was never hospitalized. I never received notification of owing such a bill from this company and there is definitely not enough information from the listed details ( no details of debt, who bill is for, details of creditor not dates of service indicated ). Please remove from my credit report and lost this company as fraudulent. THANK you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation