BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was sold a predatory loan at the University of XXXX in the XXXX XXXX via their bursary office and XXXX Bank in XXXX which then was bought by Wells Fargo ( specs avail ). I was never told that I would pay interest only first, also encouraged to pay the minimum payment ( see billing ), was told I could not refinance 8.5 % locked rate and that they would capitalize the interest during hardship! Moreover, minorities were given higher rates and the loan was sold to XXXX loan servicing so you could not refinance with them ( not a bank ; brilliant move by all parties involved ). I 've paid more than {$47000.00} for a {$30000.00} loan and still owe {$42000.00}! I was finally able to move the loan to XXXX years later which offered reasonable terms but still a high rate of interest. Many of us were taken advantage of by CU/Norwest/WellsFargo/Nelnet combo XXXX I have spoken with the FTC and they told me to take it up with the Dept of Education and Congress, they make the rules. No question universities and banks colluded to offer horrible terms in the XXXX XXXX to tens of thousands of people. XXXX said she would fight for us that were taken advantage of by Big Banks and she has done nothing. So let me get this straight, the US government bailed out wrecked banks, gave them money at 0 % to help consumers with bad loan terms and to boost the economy, yet it never trickled down to us that actually pay student loan debt ; in fact, you offered loan forgiveness to many except for those that actually pay their loans. I 'm working with a lawyer to put this whole University of XXXX, XXXX Wells Fargo XXXX story out there and how the CFPC has done absolutely nothing since my first complaint. I pay my debts and a reasonable rate and terms I 'm willing to do, but what happened to many in the late XXXX early XXXX is shameful ; the US government lends banks money for almost free and they turn around and crush citizens with horrible rates and terms. Why have n't you helped us? I 'm still paying a high rate of interest at 6 % ... The government should cram down rates for all high rate student loans and actually protect us from predatory bank practices that continue today. That would help the economy and not just the investor class.

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 2020-12-10
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received a ReliCard from U.S. Bank in XXXX, CO regarding unemployment benefits from the state of Colorado. I never applied for unemployment/remain employed so think it is a case of identify fraud.

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 2022-07-11
Company: PNC Bank N.A.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around the middle of XX/XX/2022, I made contact with a representative of PNC Bank, XXXX XXXX PNC Mortgage Loan Officer XXXX # XXXX and inquired about refinancing a mortgage with PNC in order to remove my ex-spouse from the mortgage. I entered into discussions with XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX Loan Officer XXXX # XXXX as to the possibility of obtaining a HELOC for the purposes of paying off the mortgage with PNC if I had enough equity in the property which was not my property of main residence. Based on those discussions I removed {$50000.00} from my retirement savings and paid down the mortgage to a level that was indicated as sufficient for this process to continue. Providing documentation on my financial status I was never given an indication that was an issue with the amounts that I was seeking for the HELOC. due to incorrect information with a credit reporting agency, I corrected the information but PNC Bank required a secure text to take place and was told that after correcting the information it may take up to 60 days for the information to become " active '' but in all likelihood would not take that much time. After 40 days of futile attempts I traveled 4 hours out of state to arrive at a PNC office in another state to verify my identity. At that time I was told and encouraged to open a checking account to XXXX a .25 % reduction on my HELOC application. I did so with the idea that it was a benefit and was also told that it would provide a better pathway for monthly repayment of the loan which seemed reasonable. Today XX/XX/2022 I received a Statement of Credit Denial from PNC for loan # XXXX stating code XXXX proportion of loan balances to loan amounts is too high, and code XXXX Length of time account have been established. I feel I was misled on this process and I have complied with all requirements outlined by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. This a second request to have them removed. I am not a credit repair company nor a mortgage company. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Calling Equifax to try to dispute a transaction on XX/XX/2020 and after asking me for proof on my identity they were not able to authenticate my information. They were asking me to send copy of my Social Security and copy of my Driver Licenses by mail to the legal division of Equifax. 

I told them that no PII ( Personally identifiable information ) should be send my regular mail to provide my identity. I informed them that the mail could be intersect with my information. They insisted to send that way, I told them I will not comply and that is against any policy concerning PII. 

They well not able to help after all. 

They should not request to customer to send copy of my SS and Driver license by regular mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XXXX & I fell into financial hardship when XXXX lost her job in XXXX. We filed bankruptcy, chapter XXXX in XXXX of XXXX and were discharged in XXXX of XXXX. During this time with XXXX children we could not afford the payment to the trustee [ {$600.00} per month ] and our mortgage. I missed approx. XXXX mortgage payments, however, foreclosure proceeding did not begin or occur at anytime since we were protected by the " automatic stay '' of the bankruptcy law. 

In XXXX of XXXX, Wells Fargo Mortgage approved us for a remodification under the new federal law for FHA loans however charged us exorbitantly high capitalized interest ( noted as " New Money '' on page XXXX ) in the amount of {$46000.00}. To be honest, we were both naively under the impression that our principal balance we remain at {$240000.00}, as it was before our filing of Chapter XXXX in XXXX. 

Since we have XXXX children, keeping our house was most important to us so we accepted the remodification and signed the documents at our local Wells Fargo Branch. We did not know we would get hit this hard in delinquent interest, other unknown fees, and feel Wells gouged us placing us well underwater on our loan. 

We also both feel we should have been offered a better finance rate than 4.25 %. If the " New Money ( Cap ) '' was lower and so was the annual rate this could be potential difference of {$100.00} - {$200.00} per month. Which is a big deal to a family of XXXX in XXXX. 

Thanks you in advance for any help you can provide in this matter. 

Sincerely, XXXX and XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XXXX 2012 I disputed a judgement listed on my Experian credit report. Experian verified. I have contacted the court listed and they have no judgement rendered under my name. Further, they have stated that they have NEVER received any inquiries from Experian regarding any alleged judgement. I 'm requesting Experian to provide me with their Method of verification or to delete this tradeline from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
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 non-monetary relief
Consumer complaint received 2020-03-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I sold our car last year on XX/XX/19 and immediately attempted to cancel the Vehicle Service Agreement by contacting the dealer we bought the car from. every time i was directed to contact the finance department where i left countless voice mail messages. i have never heard back from them once to help me. There has been complete silence from the dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I obtained a private loan with Wells Fargo for living expenses during grad school. It involved XXXX separate loans that accumulated each semester as I needed more as I went through grad school. This totaled to {$120000.00}. When I graduated XXXX XX/XX/XXXX, I had to wait to pass the board exam and obtain a job. I took over 1 year for that to happen. During that time, I had to go into forebearance with WF. When forebearance was up, I still did n't have the position, and I could n't pay the monthly repayment amount when forebearance was over. I ended up accumulating about 4-5 months of missed payments because I could n't afford it. I ended up getting a position which I started XX/XX/XXXX. It pays well, but I have additional debts : federal student loan payments for XXXX tuition, XXXX school, my wife 's XXXX loans, XX/XX/XXXX back taxes ( there 's a lien on our home because of this ), and a stack of credit card debts which one has gone to collections because I can not afford all of this even with my new income. I am trying to salvage what credit I have left. So ... ..lately, I have spoken with WF 's financial assistance people because they sent me letters and emails wanting me to call them to discuss " options. '' I spoke with them, and I told them my new income, my financial situation, and I can not pay their required monthly payment. One week later, they called me and stated that they can not work out any income based repayment because I make too much, and they can not lower the monthly payment because it would be subsidizing my other debts that I 'm trying to get under control. Because of my additional debts, my credit score is quite low, so they wo n't consolidate/refinance. They are threatening to " charge off '' my loans if I do n't pay {$5000.00} in back payments and then continue to pay the monthly {$1200.00} amount. They tried to explain to me their perspective of debt to income ratio which unable them to work with me in any way. 
So ... ..my complaint with Wells Fargo is this ... .... They are refusing to work with me on a lower monthly payment that I can afford in order to pay them back. They are threatening to charge off my loans at the end of this month. They are about to ruin 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 2020-03-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2014, I refinanced my house thru XXXX XXXX XXXX. The terms of my new loan included PMI. Within 30 days it was transferred to Wells Fargo. PMI may be insurance for the lender but it is a charge, a fee, against the borrower. The monthly statements I received from Wells Fargo make NO mention at all of the PMI that is paid each month. The PMI is stated on an escrow statement that comes out once a year. I did not see my PMI for several months before I became aware of it being an active and monthly fee. I accepted the PMI from the lender who originated the loan, with the intent of cancelling as soon as possible. When its transferred, and no mention of it on the monthly statement, it leads one to believe possible removal or cancellation of PMI by the new lender. My credit score is excellent, above 800.  My monthly mortgage payment has NEVER been late. All other businesses are required to show all monthly charges and fees on the monthly statement. It appears Wells Fargo is not being 100 per cent up front about fees and charges with their mortgage customers. I think its a bit sneaky how they hide this fee with the other escrow funds held aside for property taxes and home owners insurance, and then communicate this once a year to the borrower. I have made several calls to Wells Fargo, and have written two letters. One of which will be attached here, along with a mortgage statement. ( The other letter got deleted but was the same message. ) I have requested that they re fund me the PMI that was paid over 5 years of this mortgage loan, due to Wells Fargo 's failure to properly communicate fees and charges on the monthly mortgage statement. I have also asked them to return the 2 original mortgage statements that I sent to them for review. They have refused to send them back offering copies instead. I TOLD THEM, you can make copies for YOUR records, send back MY original documents. I have had two conversations with XXXX, and several with XXXX XXXX. XXXX XXXX is no longer returning my phone calls. I have left several messages. Terrible customer service. I am filing this complaint after several phone calls and letters with Wells Fargo, also giving them a chance to correct this well before I file a complaint here with the CFPB. In conclusion, charges and fees MUST be communicated on the monthly mortgage statement, like all other businesses like airlines, hotels, car rentals, wireless cell phone bills etc. Send me my money back! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Southern Credit Recovery, Inc.
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a collection on my credit report in the amount of {$1900.00} from XXXX XXXX XXXX. I was informed that it was a debt from XXXX XXXX XXXX, An institute located at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in which I attended and XXXX on XXXX/XXXX/2012. I could n't get any documents showing how I owed the money and I could n't see how it would be possible anyway because it was paid 100 % through XXXX or XXXX. My last term I received a {$9000.00} through XXXX but only needed {$3000.00} so {$3000.00} was taken and the other {$6000.00} was declined. My books and all were included, I received my diploma, and my transcript and now I have this Credit Recovery company with incompetent people who can give me any paperwork stating how I owe this, they 're just saying its a debt I have and it needs to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Robinhood, Robinhood Markets , Inc. is denying me to access my state and federal tax return. They are not giving me my stock dividends ( missing months due to the dividends vanishing ). They will not give me access to my account or simply close my account. They are requesting front and back pictures of my social security card and front and back pictures of my drivers license. Both of what they have received and I was told after recieveing that, my account will be accessible. Now, Robinhood is demanding bank account statements back to 2019, 3 pictures of my face ( left side, right side, front ), proof of where I live, where I make my money, proof of residency, and more. I have spoken to numerous Robinhood representatives whose names are XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and others yet no one has helped me resolve this issue. I am being sent around in circles with no true help. I already had a case open with my email but since it was not listed under my Robinhood account they could not truly help me. So now, this complaint is for further investigation between my issues with Robinhood. It has been 3 months and my account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 HAVE SENT TRANSUNION 2 CERTIFIED LETTERS TO REMOVE FRAUDLENT AND UNAUTHORIZED INQUIRIES ON XX/XX/2020 AND XX/XX/2020AND THEY STILL HAVE NOT REMOVED THE INQUIRIES. NOR RESPONDED IN REGARDS TO THIS REQUEST, THEY DIDI REMOVE THE INVALID COLLECTIONS, BUT NOT THE INQUIRIES

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 2020-03-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Around XX/XX/2020, I spoke with a Home Preservation Specialist at Wells Fargo named XXXX XXXX in regards to applying for assistance with my mortgage. I have had a hardship and I am currently going through a divorce. I explained to XXXX that my divorce is not final and that my soon to be ex husband who is also on the loan, no longer lives in the house. Due to the loss of income, the home is not affordable, but I am being granted the home and I am the person living in the home and trying to maintain the mortgage payments. XXXX advised me that I would need to complete the Mortgage Assistance form, provide a pay stub, and in lieu of the divorce decree, because the divorce is not final, that a recorded quit claim deed would be sufficient in order to be reviewed for a loan modification or other assistance programs. I advised XXXX that there would be a delay in getting this recorded quit claim deed because I would need to go through the attorneys due to the active divorce proceedings. She indicated that this was okay, and was needed to move forward. 

Fast forward to XX/XX/2020. I finally have the recorded quit claim deed and I upload this last document to Wells Fargo. To my surprise on XX/XX/2020, I am now being told that I am going to need a divorce decree to be further reviewed by underwriting for any assistance programs. I expressed my dissatisfaction of this because I just spent hundreds of dollars that I didn't have to have this quit claim deed prepared, and the cost to have it notarized and filed and recorded with the county. I was told that they are sorry that I was informed of the wrong information that a divorce decree is needed as well as a quit claim deed. That the underwriter wants to see that the judge awarded me the property?! How is this even legit when the quit claim is the other homeowner giving up his rights to the property. Obviously, I am the only person left on the deed, the only owner of the home! How would the judge go back and grant the property back to someone that doesn't want it ( signed a quit claim deed ) and that doesn't currently occupy the home?! 

I was informed by XXXX who is a manager, that she was sorry, but there is nothing they could do. This is ridiculous. I have just wasted time and money getting this quit claim deed as I was instructed to do.

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