BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Dear CFPB, I obtained a private student loan through Wells Fargo in XXXX, account number XXXX XXXX in the amount of {$8500.00}. In addition, I had a co-signer, XXXX XXXX. 

In XXXX I filed for bankruptcy and this loan was listed. My bankruptcy was granted. Somehow, the loan was put into XXXX 's name. XXXX was a senior citizen and I feel she was pressured with unethical collection tactics by Wells Fargo when they contacted her during my bankruptcy process. 

The student loan payments have been debited from my checking account for years despite the loan being discharged. Irrespective of that, Wells Fargo will not put the loan back in my name even though they are being paid by me. This is causing XXXX a significant amount of upset as a senior citizen. 

To date, I have paid well over {$19000.00} on this loan and possibly already paid in full. Yet, apparently there is {$5000.00} owed which if the loan is even valid is an incorrect amount since the total loan amount is {$21000.00}. 

I feel that Wells Fargo should have written off this loan due to my bankruptcy. I am requesting your assistance in having the remainder of this loan waived, or seek recovery for money paid from XXXX to the present. I am attaching the Wells Fargo file, and my latest payment to Wells Fargo from my XXXX  XXXX XXXX checking account. 

I appreciate your time and assistance. I hope you can help me and XXXX. 

Many thanks, 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 2015-11-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The rigmarole continues. The banks are ready and able to lend a helping hand. Just ask ... ... but its a F, F, F, F, F Farcical. Wells Fargo is a House Preservation Farcical. 
Attached after 2 years of document submitting rigmarole of my demise. 
1. Doc XXXX letter says thanks for all the docs ( in my case a lot ) 2. Doc XXXX " Sorry you do not meet the requirements because you failed NPV '' ( AS IF I CAN GO ELSEWHERE AND REFINANCE -- NOT!!! ) 3. Decision letter after appeal " you still do not meet the requirements for loan modification '' ( HOWEVER, I DID OBTAIN MODIFICATION ON MY OTHER PROPERTY!! ) Is there a different game being played at Well Fargo?? XXXX HOW CAN I QUALIFY OVER THERE BUT NOT OVER HERE??? WHY IS WELLS FARGO DRAGGING THIS ON CAUSING MORE GRIEF?? All I ask for is fixed rate loan modification with a reasonable low rate. A real modification that is not abusive by jacking up the overall loan amount. I am at no fault the entire banking system crashed and still broken. To dance this dance another 20 years I just need a LOW FIXED RATE!!!! WELLS FARGO IS NOT TAKING INTO CONSIDERATION MY COMPLETE FINANCIAL EQUATION OTHERWISE I WOULD HAVE THE MOD ALREADY!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX. Account balance based upon numbers that they have provided in Section 6 Your Escrow Account History for the Past 12 Months is more than {$10000.00} off for the above-mentioned time period. The numbers on this legally required annual escrow disbursement statement in no way are correct. Ending and Beginning Balances from year to year do not match. There is no disbursement showing for my impounded homeowners insurance, yet references are made to it. Payments into the escrow account are supposed to be the same each month, according to Item XXXX Projected Payments into Escrow ; yet for some unexplained reason around XXXX of some years the amount deposited is greater that the projection. 
Even taking into account homeowner 's premiums that more than likely were paid there is still over a {$5000.00} discrepancy.

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 2021-02-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trans World Systems repeatedly calls trying to collect a XXXX XXXX bill for {$740.00} from XXXX. It is now XXXX. A XXXX XXXX XXXX debt that is not even my dept. I have never had XXXX XXXX. I have called and tried to speak to management but I am just getting over seas people hard to understand and refuse to do anything unless I give them my SS # and DOB. Which I will NOT! They can tell me what the dept they are calling for. I ask them if they are aware that is a XXXX XXXX XXXX dept and in Texas that is way past statute of limitations. But again they just tell me the calls will not stop and they will not do anything unless I give them my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: FL
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:
I would like you to know that I am victim of identity theft. This is destroying me because I can not understand one thing- Why you guys do not check what you report? How that possible that I am a victim of identity theft and I need to write you and to beg you to remove wrong and somebody else items? For how long I have to wait in order to see my accounts in my report? I want to see my accounts in my credit report please I kindly ask you organize it, to check everything control your actions and to start reporting my information finally! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: TFS FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
My daughter an I applied for a mortgage with Third Federal Bank. We hold joint title to the property which she occupies as her primary residence. Third Federal was duly aware of the occupancy situation and that I did not reside at the residence. After subjecting us to the application process and collection of documents, they declined the mortgage based on the reasoning that I would not be residing at the residence ; clearly a fact that was made apparent when we first talked to them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I went into the Navy Federal Credit union on Monday, XXXX XXXX, XXXX and discovered {$4800.00} was taken from my bank account. After a spent 4 hours going round and round in a circle, I was informed that collection removed the funds from my account due to a charge off account for a bad check in XXXX. When I asked for document required this i was told that if is Navy Federal Policy and there was no statue of limitation for their actions. To my understanding this account was paid in full. I asked for documents and to this day I have not received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have mortgage with wells Fargo with account # XXXX. My first payment {$3200.00} was due on XXXX/XXXX/2015, while I paid the full payment on XXXX. However Wells Fargo repeated charge to my Wells Fargo checking account for XXXX payment due to a scheduled payment on XXXX of every month during loan application. Of course, there was n't enough fund since the fund went to them already. So Wells Fargo charged me {$20.00} ( called Wells Fargo and they refused to refund to me ) for return fee on my mortgage account, charged {$35.00} ( they reversed already ) on my checking account as insufficient funds fee. The question is why did Wells Fargo kept charging me on my account after they received the XXXX payment already! All these penalty of fees is only because I paid my payment two days ahead of schedule!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have my HSA and XXXX accounts at Wells Fargo and called them around early XX/XX/XXXX to retrieval my login info. I was told that I have other accounts with the bank and asked if I wanted to reconcile my accounts. When the operator tried to reconcile the accounts, it was unable to do it because the other account ( XXXX ) opened on behave of me did not originate from me. I then went to branch office and submitted my identity info and ssn copy and was told that they will investigate if this is an identify theft and give me a report. I did not hear back as of XX/XX/XXXX and called them again. This time I was transferred to their ID theft dept. I raised the issue again and they finally called me back XXXX days after. I was told that it was an internal error and not an identity theft. When I asked for a report, they refused to do so. I think that they should give me a report on why my name and ssn was used for opening accounts for other person? how it happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Issue: Overlimit fee

Complaint:
In XXXX 2016 was charged an over limit fee on XXXX of our business credit cards held with Wells Fargo. I spoke with someone directly at my branch asking if there was a way I can instead just have transactions declined instead of the over limit fee being automatically applied. I was told this was not an option. I have been charged {$39.00} for going over the limit a few times since, and after XXXX in XXXX I called to speak with someone and again was told there was no option to opt out of over limit fees. However, this is contradictory to information I have read on this site that states Consumers must " opt in '' to over-limit fees. Those who opt out will have their transactions rejected if they exceed their credit limits, thus avoiding over-limit fees. I would like to know why Wells Fargo is NOT allowing for this option. ( They did refund the fee charged in XXXX ). So far this year, including the XXXX charge, this XXXX card has been charged {$190.00} for going over the limit, {$39.00} each time. I would also like to confirm that the fee can not exceed the amount that has actually gone over the limit, as also stated on this website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: First Financial Resources, Inc.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have submit a compliant last year regarding to a private student loan from the creditor XXXX XXXX XXXX XXXX. ). At that time the collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am beginning harassed about a debt that I do not owe. First Financial Resources , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX have notified me via US mail and I replied in writing on XXXX/XXXX/XXXX. I requested copies of all text books, labs, uniforms etc. but were not provided the information. This company mailed a copy of a contact on XXXX XXXX, XXXX. I have no knowledge of the contract. I am not responsible for the amount the creditor states that I owe. The creditor to this day have not provided me with proof of this debt as I requested ( ex. all books, labs, etc ). Why should I pay for something that I do n't know what I was charge for in details. Also, the company has threatening to place me in collection due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried to close my account with Robinhood.com. When I attempted this, I could not withdraw my money from my account due to Robinhood blocking my transfer. When I tried to transfer the money FROM an external bank account XXXX, Robinhood illegally blocked the transfer by saying they could not prove the external bank account belonged to me ( even though these bank accounts were already linked and had made transfers before. 

I could not close my account because my balance was not {$0.00}. I first tried to contact Robinhood support on XX/XX/XXXX and have emailed multiple times since, but I have received no response and my money is still unretrievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My records associated with the account SANTANDER CONSUMER USA with account number XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to SANTANDER CONSUMER USA but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: LD Holdings Group, LLC
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX, our household refinanced our mortgage with LoanDepot. On XX/XX/XXXX, we signed up for automatic payments, and received confirmation that we were enrolled in automatic payments. On XX/XX/XXXX, I was made aware that automatic payments had not been applied, and that our credit had been negatively impacted by this. At that time, we had received no communication from LoanDepot, either in snail mail ( our first communication from them about a " past due '' debt arrived in XXXX of XXXX ) or electronically. On XX/XX/XXXX, I emailed XXXX XXXX, our representative for the loan refinance, and also disputed the report with the three credit reporting agencies. The research department then contacted me, and asked me to write and fax a letter in, which I did that day XXXX XX/XX/XXXX XXXX, and the fax was confirmed to have gone through at XXXX XXXX XXXX. As of XX/XX/XXXX, my credit score had dropped 71 points due to these shenanigans. As of XX/XX/XXXX, not only had things not been fixed, but gotten worse. I contacted XXXX again, who messaged the team, who sent a generic response about the dates and amounts paid ( getting them incorrect ), but not acknowledging the basic problem, which was that they had unenrolled us from automatic payments without notifying us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 I closed my account out with Wells Fargo Bank. I was upset because of a previous charge that was deducted out of my account. 

I advised the lady who closed my account that I had XXXX outstanding checks and that I was going to contact them and make payment arrangements. She then gave me the money in my account and when I walked out the door I assumed my account was closed. 

I opened up an account with XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015 Wells Fargo Bank took a direct deposit into my closed account and deducted {$35.00} check fee and paid XXXX XXXX {$200.00}. This account was closed on XX/XX/XXXX. How come they took this money out? 

I went directly to the bank and talked with the manager. She advised me that my account was not closed and they had tried to contact me earlier. I never received any phone call and I have my phone on all the time because of the work I do. She was very rued and told me that my account is opened and to check back the next day to see if it was closed. 

Wells Fargo Bank took money that did not belong to them if they paid this check then they should of contacted me for the money not take it out of a direct deposit made by mistake to a closed account ... 

I feel Wells Fargo stole my money. I was late on rent and I could not cook xmas dinner for my family this left me in so much distress. It was horrible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: EQUIFAX, INC.
State: CA
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 have file disputes with all three bureaus back in XXXX and I still havent heard anything from any of them. How long does this take? I know it suppose to be 30 days and it over 30 days now way over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Rocket Mortgage, LLC
State: FL
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:
XX/XX/2020 Quicken loans ran a credit report on my account. I did not give them permission. I called about a loan and hung up without any desire to move forward. My score has dropped 30 points because of this and XXXX XXXX  does not have any ability to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is negligent in providing concise and accurate information. There are missing statements, no mention of all the numerous calls and letter writing I have made in an attempt to clear up my account. Funds that should have been applied to the loan were applied to late charges. One was corrected 30 days later, after I called and explained the additional funds were to be applied to my new payment amount. 
In XX/XX/XXXX I contacted Wells Fargo requesting assistance with lowering my interest rate or forgiving my second. I received conflicting information ; from there is nothing that can be done, to stop making payments to qualify for a loan modification to : " since you do not have a XXXX or XXXX XXXX loan, there is no relief we can offer you. '' I chose to request a Loan Modification and stopped making payments to qualify. I felt this was my only option. Like so many consumers, I did not understand who XXXX or XXXX XXXX was or what the ownership of my loan had to do with helping me. 

I made my XX/XX/XXXX payment and then stopped, per Wells Fargo instructions. I was informed I had to miss 3 payments before I could apply for a loan modification. During this time I received no calls or letters. I kept calling and asking for guidance and help. Not until XX/XX/XXXX, did I receive a notice that my Loan Modification was approved. Again, no notices or calls. The last monthly statement I received was XX/XX/XXXX. In order to keep my home I worked so hard for, I signed a Loan Modification agreement that I did not understand. I was not aware that the 11 payments missed from XX/XX/XXXX were added as a second mortgage frozen with a balloon payment due in XX/XX/XXXX, or that my HELOC was added to my first. I have asked repeatedly for this documentation, but have not received anything. I was not aware of my HELOC being added to my first and of the new second, until XXXX XXXX reviewed my account. 

How any consumer is to understand this web of an agreement is deceptive and goes against the Statement Wells Fargo claims as to being a responsible lender. To make the situation even more confusing, my tax-impound account kept changing my payment. They would decrease with a refund and then increase with a shortage. If there is extra funds in the account, why would n't it be applied to reducing my principal?

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 2015-06-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In regards to case # XXXX here is the attachment of the envelope dated mailed XXXX XXXX 2015 from zip code XXXX. This contained XXXX XXXX XXXX 's fraudulent reply to my QWR, he received on XXXX XXXX 2015. XXXX days after receiving my QWR.. A clear violation of RESPA XXXX day reply rule.and attempt to commit fraud, by back dating the document which had no real info anyway. Also received XXXX XXXX the attached false resolution from XXXX XXXX XXXX. Still not disclosing the info I requested that will show WELLS FARGO and XXXX XXXX XXXX XXXX HAVE NO LEGAL AUTHORITY TO FORECLOSE.. tHE TRUSTEE SALE IS TODAY, AND MIGHT RIGHT TO DUE PROCESS OF THE LAW WILL BE VIOLATED BY THE SATE OF NEVADA AND THE U.S. ACCORDING TO THE 5TH AND 14TH AMENDMENT TO THE CONSTITUTION. PLEASE STOP IT IF YOU CAN. THANK YOU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation