BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
This complaint involves a transaction with Wells Fargo Bank. On XX/XX/XXXX I signed up for a Premium XXXX account after being solicited by this company. The email I received said that I should cancel this account by XX/XX/XXXX, a Saturday or I would be charged a {$570.00}. XX/XX/XXXX and XX/XX/XXXX I had a pulled hamstring muscle and was unable to walk and also sick with the flu. I intended to cancel the Linked In account on Saturday XX/XX/XXXX but due to the above distractions I forgot to cancel on XX/XX/XXXX. At around XX/XX/XXXX on Sunday, XX/XX/XXXX I remembered that I had forgotten to cancel my Premium XXXX account and I emailed XXXX saying I was canceling it. However, no one from XXXX answered my email and XXXX does not have a phone number. On Monday, XX/XX/XXXX, I phoned Wells Fargo Bank and the representative I spoke to said that the charge of {$570.00} had not yet cleared my account. So I asked her to stop the charge since I think technically that the money is mine until the transaction clears. I know that you can stop payment on a check and assume the rules are the same with a credit card transaction. This representative said she could n't stop the charge because the money had n't yet cleared my account so I asked for a supervisor. The supervisor I talked to said she would put a claim on my account which is claim number XXXX. She said I would hear from the bank about this claim in ten days. On XX/XX/XXXX I received an email from Wells Fargo saying they had completed their investigation and they would send me a letter explaining it. However, I have n't yet gotten a letter from them. I also noticed that Wells Fargo had not credited the {$570.00} to my account. I called today and a banker said the claim had been closed. I assume, therefore that Wells Fargo will not be crediting my account for this amount because they would already have put the money back into my account.

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 2016-12-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I am currently with XXXX. I went to my bank XXXX weeks ago to take out an equity line on my home so as to pay for direct care staff to be with my XXXX parents. I was told by XXXX that Wells Fargo/XXXX are listed in the XXXX lien position on my home. I paid off my home in XX/XX/2009 and never used any home equity so they should have come off the XXXX lien when I paid for my home. Basically there is an open-ended equity line showing up on with WF/W on my home deed and this is preventing my current bank, XXXX from completing my request for an equity line. I went to Wells Fargo last Tuesday and took them the information they requested from my bank as well as letters from Wells Fargo showing I had satisfied my debt with them and that they would notify the Register of Deeds. They did not notify the Register of Deeds when I paid off my home and therefore the open-ended equity line is still open with WF/W showing in the XXXX lien position. When I went to XXXX, I met XXXX and supplied him with the documents he requested from my bank. This was over a week ago. The bank was not even able to find a profile on me ( even after having purchased a home and banking with them for years ). XXXX said he would send my information to the research team for investigation. Today, I received a call from XXXX with XXXX XXXX to inform me that he just got my information today and that it could take another 10 days to resolve. This would be almost XXXX weeks they have made me wait. This is unacceptable as I do n't owe this company a dime. While waiting to get my home equity with XXXX XXXX Bank so as to establish direct home care for my elderly parents, my father fell Friday, XX/XX/XXXX and broke both his hip and his shoulder. I feel as though I am XXXX to this bank as it should not take XXXX for them to settle this issue. I owe them {$0.00} and all they have to do is call the Register of Deeds and take themselves off the XXXX lien. I have asked for the president of the bank to call me and at this time I have not heard anything from the president. I requested the local branch staff to reach out to get me assistance as they were unsure last week.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted Experian, XXXX, XXXX and the original creditor XXXX  XXXX XXXX and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-08-08
Company: RFNA, LP
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Within just being 5 days late or even less at times, they call at least 5-6 times a day with 2 separate phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage payments fell behind due to a temporary loss of paid hours at my job. The loss of the hours was because of an unpaid internship requirement for completion of my XXXX 's in XXXX.I lost 25-30 hours per week I could have been working at a paying job. I have since graduated with XXXX and have received many job offers. I 'll accept one of the offers on or before late XXXX early XXXX after my license application is finished in State review ( I must be licensed to XXXX. ) I 've also gotten extra income from my XXXX XXXX daughters and an online business. 

Wells Fargo has repeatedly ignored my requests for assistance of any kind. I 've been working with my State and local consumer specialists/ legal aid was was directed to attend the foreclosure meeting and request a 60 - 90 day extension. I was advised it was my legal right to have one extension. I went to the hearing on XXXX XXXX with even more documentation than my counselor advised. At the meeting I was told that I was not allowed to provide any evidence, no explanations would be accepted, no questions answered, and no extensions given. I explained that the State/county representative had told me I had the right to one extension. I was told, " Well, he 's wrong, you do n't. '' The only information we 'll take from you is documentation that Wells Fargo had an accounting error and you have been paying all along, and the payments and are not behind. A representative of the law firm representing the bank was there but I was not allowed to ask her any questions. No representative of the bank was present. 

I was asked if I had been in the military in the last 90 days ( I had not. ) I asked if I could offer the documentation about my permanent XXXX status with SSI. I was told " no. '' Today, Saturday XXXX XXXX I received a notice that Wells Fargo was going to auction my home off on XXXX XXXX. 

I 've worked with the bank multiple times and in multiple ways to correct the situation and/or ask for help. I 'm always denied. 

I believe that Wells Fargo is discriminating against me for my XXXX, and possibly for my XXXX daughters ( XXXX XXXX ). I have been denied my right to appeal, to have a time extension, and assistance. 

I also need information on any program that would allow me to stay in my home as a renter for two to three months, until I am able to accept one of the offered XXXX jobs and resume paying mortgage payments. I have and my family have no place to go, no extended family here, and no extra funds for moving and storage help. I am not physically able to move the contents of the home, especially with such short notice.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
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, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX  ( XXXX  XXXX  XXXX XXXX . Acct # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting or the consumer laws that's been put in place. I have evidence to prove my case.

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 2015-05-28
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I own a XXXX XXXX XXXX. In XXXX I had my vehicle broken into and my XXXX stolen. In the the case I had XXXX titles to vehicles I own. I was doing some XXXX business earlier that day. The titles were for a XXXX XXXX truck, XXXX XXXX XXXX, XXXX XXXX XXXX. I reported the incident immediately to the XXXX XXXX Police Dept. XXXX sent a uniformed officer to take the report as well as XXXX technicians to process the scene. I was contacted by Wilshire Consumer Credit a few months later asking me for payment on a title loan for the XXXX XXXX. I explained to the representative I had never taken out a title loan and the vehicle title had been reported stolen. The rep then transferred me to their Legal dept so I could be relieved of any obligation. ( so I thought ) its now XXXX XXXX after sending countless documents that were requested ( Identity Theft reports, police reports, credit reports, Drivers Licence ... ... Wilshire consumer credit has no only neglected to address the matter they have reported the charge off to my credit report of over XXXX dollars they have refused to release my title by giving me the Run around, Lied constantly about giving me the title back and removing the bad credit mark. I 've spent XXXX on lawyers that have written demand letters. I have correspondence from Wilshire Consumers XXXX dept to my attorney stating they agree that I have no liability in this incident and will resolve the matter in a few days. It 's been months and years and still no resolution. This is my last effort to get something handled before I spend thousands more suing Wilshire Consumer Credit for my property and damage to my credit report. Please Help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a 15 year loan in XXXX XXXX from Wells Fargo ( loan # XXXX ). I was told that if you paid twice a month as opposed to once a month that it would reduce 4 years from your mortgage. I contracted for this in XXXX. Apparently Wells Fargo used a third party XXXX XXXX XXXX XXXX to administer this. I am told that they send a the extra equity payment once a month to the loan holder ( Wells Fargo ) whereas usually this this is done twice a month. Consequently, the additional equity has not accrued at the rate that I was told ... such that the mortgage would be paid off in four years. 
I called in XXXX and was told that the payout date was XXXX XXXX - this is longer than the 11 years promised but I accepted it. I now called to confirm the payout date so that I can make plans for retirement and I am told a different story ... that the payout date is XXXX XXXX. 
What this means is I have been told different stories every time that I call. The load was not set up the way I contracted and/or they changed their process and did not tell me. 
I would like this reviewed and the payment schedule to be re-configured in accordance with the original guidelines that I agreed to. 
As it stands now, paying twice a month ( at a hardship ) only yielded a little more than one year taken off the the fifteen year loan term. 
XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX

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 2016-12-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is a continuation of XXXX # XXXX As of yesterday I received a letter from Wells Fargo stating that we said the consumer never provided services. This is NOT what was to them and this NOT what was sent in WRITING to them as well. It stated for me to call XXXX XXXX XXXX XXXX in this letter they sent me and to speak to a XXXX person XXXX for further questions and assistance. Called yesterday twice was told I would have a returned call by the end of the business day this did not happen. I called again this morning not at her desk. Nobody is willing to help us she does not return phone calls. 


We opened a business account at Wells Fargo, We used our debt card with XXXX logo for a purchase that turned out to be fraudulent. We received notice from them stating it was fraudulent. Then we were told our business account was opened incorrectly, and we had to open a new account. About 1 month after we were told that it was deemed fraud they came back and said it was n't. I talked to XXXX customer services, and their visa department got absolutely no where.

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 2016-04-13
Company: Windham Professionals, Inc.
State: NH
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:
I work in a XXXX, Windham professionals has contacted me several times at work, as our organization uses a shared phone line, I have at times been able to set up a payment plan to resolve my student loan debts, but there is no clear way to communicate with them if their payment is drawn too early, or if I miss one, to resolve it. I know first hand the damage a debt collector can do to someone 's employment. I have an enormous student loan burden I am working to pay off with a very modest income. 

Windham professionals is endangering my livelihood with their aggressive, irresponsible and unprofessional tactics. it is very obvious when they call that they are a debt collector, as they announce such and that it is an attempt to collect a debt. They identify who they are looking for AFTER this announcement rather than simply asking to speak to me. I have asked them repeatedly not to call me at work or during work hours as it interrupts appointments and activities, requires personal information to be shared, and essentially tells my supervisor, coworkers AND clients that i am working on repaying student loans. Today a coworker forwarded a call at about XXXX while I was with a client, the debt collector repeatedly ignored my concerns and made every attempt to get me to confirm that I was unwilling to pay my loan, which is not the case, they do not call me during hours I can answer, and their return line goes to a general voice line. I would LOVE to actually arrange a resolution with them but I do n't want to go over my student loan debt and payment processes in front of a group of XXXX. The individual who contacted me today, and essentially bullied his way into a very public discussion told me that if it was important to me, I could call HIS line. I was given the number XXXX to call back which does not actually tell me who I should speak to at all. They call me during work, on my work line, which I have asked them repeatedly not to use, they do n't give me a reasonable way to return their calls and they do it during a time I ca n't even answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Wells Fargo on direct deposit advances they stopped such transactions and can charge one with a XXXX fee it could be more if one ca n't add funds to ones account!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX   XXXX   took my phone when I switched from   XXXX   XXXX   XXXX   as part of promotion. I was owed   XXXX   dollars in credits for paying off my bill at   XXXX   XXXX   XXXX  . My old phones disappeared and  XXXX  refuses to give me the credits. I have spoke with several supervisors and all say they will take care of it. Now they say they ca n't help me and have sent the bill to collections at cbe group. I tried returning the phones immediately because of unhappy about the credits. They told me to hold on the credits will be applied. When they did n't and I called back they told me I was out of the time frame to return the phones. So I was stuck. The store ran my credit 3 times and nobody will resolve it. Now I owe  XXXX  dollars for the phones I was given by  XXXX  because they would n't return the phones

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Advertising and marketing

Complaint:
Dear Sir, I have recently applied for Chase Slate and came to know about their false advertising. Chase Slate advertise that they offer 0 % APR for first 15 months on Balance transfer within 60 days. But they will not send the balance transfer checks or allow you to do balance transfer to checking for first 90 day of a/c opening. These terms are NOT mentioned in their website. After 90 days, they charge 3 % or {$5.00} whichever is greater. This makes the customer NOT able to use the intro balance transfer offer. When question Chase customer service regarding this issue they say it the company policy, but they are NOT able to show such advertisement on their website. Please kindly take a look into this issue. 



Following is the advertisement Annual fee {$0.00} Purchase APR 0 % intro APR for 15 months on purchases. 
After the introductory period ends, a variable APR of 13.24 %, 18.24 % or 23.24 %. 
Balance transfer APR 0 % intro APR for 15 months on balance transfers. After the introductory period ends, a variable APR of 13.24 %, 18.24 % or 23.24 %. 
After the first 60 days your account is open, the fee for future balance transfers is 3 % of the amount transferred, with a minimum of {$5.00}. 


What can I use a balance transfer for? 
Pay off higher-rate credit cards. Pick which cards you want to pay down and then transfer the balance to your Chase card with an eligible lower rate. 
Consolidate balances. Make managing your finances easier by combining several credit card balances into XXXX. 
Pay for unexpected expenses or get cash. If you 've received balance transfer checks, you can use them to pay for things you need or to get cash. You can also call the number on the back of your card to transfer funds into a qualifying checking account. 
Please note : Balance transfer request ( s ) made online and/or with a Customer Service Specialist can not exceed {$15000.00} within any 30-day period. Balance transfers may not be used to pay other credit cards or loans issued by Chase Bank USA , N.A . or any of our affiliates. Successful payment history must be established for checking accounts you wish to use for ACH transfers. There are additional conditions that may apply. Be sure to read the terms and conditions of your balance transfer request for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
collector called did not advise call was recorded or gave mini Miranda he stated i was a pt at plantation hospital asked me to confirm an address they had on file since i was not a pt at the hospital i refused to verify my address he became angry and stated i would no the balance if i opened my i asked for a mgr he hung the call i call back s/w a mgr who stated he would review the call and reprimand the employee

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation