BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My problem is with Wells Fargo, they are the servicer of my FHA mortgage loan and they are refusing to give me a chance to save my house. They are not assigning a dedicated contact to review my information, they are not even opening a case to consider my financial situation and have set a foreclosure auction date to sell my home. I feel this is wrong and that they should be allowing me to be considered for options to save my home because I suffered a true hardship, but am now in a more stable financial status. 

I worked as a XXXX for 12 years but was hurt on the job in XX/XX/XXXX. I had enough money saved to continue making my mortgage payment to Wells Fargo for a few months. I had applied for workers compensation but this took several months to get approved. When I ran out of money in XX/XX/XXXX I could not afford my mortgage payment because I still had not received the workers compensation money. After I was a couple of months behind someone from Wells Fargo contacted me and I told them I needed help and needed to be reviewed for the programs set up to help people who are behind on their loan. However, despite several attempts I have made no progress with Wells Fargo. Instead of opening a review for the different programs that I know should be made available to borrowers with FHA loans Wells Fargo has set a sale date. 

I am now receiving my workers compensation and also able to do some part time work. I also have rented out some rooms in my home to boarders so that I have enough income to afford my bills and mortgage loan payment. I want nothing more than to resume making the payments on this loan all the way till the end. My problem is that Wells Fargo has not given me a chance to be considered for these programs. I have spoken with a counselor who told me that Wells Fargo is required on FHA loans to review me for modification, partial claim, forbearance plan or repayment plan, not to ignore me. I am also aware of the fact that Wells Fargo received approximately XXXX dollars in bailout funds from US taxpayers and that they are supposed to work with struggling homeowners. My problem is that I ca n't cut through the bureaucracy at Wells Fargo and get them to play fair and work with me to resolve this problem.

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 2015-11-05
Company: High Point Asset Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called High points asset keeps calling and leaving voice mails saying I have 72 hours to leave a statement on my behalf and that there are XXXX charges against me XXXX. Aways it is a recording. when I call back no one answers. They have also left messages on my parents phones as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment of {$100.00} on XX/XX/XXXX, I had called on XX/XX/XXXX, XX/XX/XXXX at XXXX ( I was hung up after asking why they didn't apply to principal ) & XXXX to have this payment apply to principal only. They did move the payment and when I logged in on XX/XX/XXXX I saw they moved it back my monthly premium and took interest without any notice from the company. 
I made a payment of {$400.00} on XXXX, I had called on XX/XX/XXXX, XX/XX/XXXX and XXXX to have this payment apply to principal only. The company has refused to do as I have requested. 
I made a payment on XX/XX/XXXX of {$250.00}, I had called on XX/XX/XXXX to have this payment apply to principal only. They did move the payment and when I logged in on XX/XX/XXXX I saw they moved it back my monthly premium and took interest without any notice from the company. 
I called on XX/XX/XXXX who could not tell me why the company moved the payments back to the monthly premiums. He stated he could request the funds to be moved back to principle and I declined since I've asked this 6 other times and the company failed to do what I've asked.

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 2022-07-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX the below account numbers has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX FACT 15 U.S.C 1681 Section 602 A. States that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-20
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I purchased a car XX/XX/XXXX with XXXX XXXX XXXX, I put no money down nor did I have a trade, they told me that the bank regional acceptance would reach out to me in a few days to do an interview about the car. When I received the call the banker asked me if I had traded in a car and if my car had remote start, luggage rack, and a trailer hitch and if I traded in a XXXX XXXX XXXX and I was going back to take a {$1000.00} to put down, I informed him that I was not and that the car had none of those add ons. He then told me that he was going to reach out to them so they redo my contract, the following week the car dealer reached out to me and asked when I could come in and sign the paperwork I told them XXXX XXXX as I was out of town on work, I received a call from the bank on XXXX XXXX asking if I went into the dealership to sign my contract, I told him no I was still out of town he then informed me that he had a new contract from the dealer with a fraudulent signature on the contract, he compared the 2 signatures ( from my old contract and this new one ) and knew the new one was signed by someone else .on XXXX XXXX I received a call from the GM of the dealership saying he did not know anything about this till this morning and that he asked around and no one would admit they did it, he then asked what I wanted to do with the car and told me to call him back tomorrow.

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 2015-09-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I bought my first home a decade ago. At that time since I was given a XXXX ARM loan and the XXXX loan was a Line of Credit. After XXXX years I went back to Wells Fargo and asked them if they will allow me to have a 30 year loan so atleast XXXX years from the date of initial purchase and when I am XXXX years old the house will be atleast fully paid off and be mine completely. They sent me back saying you do not have enough savings, this loan is a different kind of loan that can not be refinanced. 

After that every year I have been approaching Wells Fargo to get me into a 30 year fixed interest loan they send me back with some reason or the other. 

This year I applied for a 15 year loan and I was again denied this time saying I do not have cash in my savings and checking account. 

The condo is worth {$680000.00} now according to XXXX ( which does not include the {$30000.00} of upgrades ). I owe about {$420000.00} to Wells Fargo today, started with {$490000.00} a decade ago. In XXXX years I have paid atleast {$200000.00} in interest to Wells Fargo. Have not missed a single payment ever. My annual salary is about XXXX now. I have about XXXX in my 401K. Still they denied me the 15 year mortgage and now I read in the papers that the interest rate is going up so the rate I was told I could have by Wells Fargo intially will not apply. So no way to own my house and in the future if I get a loan I will have to pay even a higher interest amount to Wells Fargo. 

It is Wells Fargo win win all the way. Even after me being a loyal customer, never missing a payment for more than a decade I can not still have a 15 year fixed mortgage loan on my house. 

Please help me CFPB. And thank you for listening to this plea.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I mailed a notice of rescission and right to cancel transaction to GM Financial and XXXX XXXX XXXX. XXXX XXXX XXXX required a cash down payment as a condition of loan approval in a financed/credit transaction. I revoked power of attorney, rescinded my signature in the transaction and revoked XXXX XXXX XXXX and GM Financial 's security interest in the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: IL
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 XXXX  accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX/ XXXX  Account # XXXX XXXX XXXX Account # XXXX Macys XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  15 U.S.C 1681 Section 602A 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 account without my written instructions.

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 2015-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The city of XXXX XXXX has filed a civil complaint against Wells Fargo for various illegal practices. I have a reverse mortgage through Wells Fargo XXXX am asking your help to determine whether their various charges to service this mortgage is proper & within the guidelines established by FHA. The XXXX time I called Wells Fargo for information re the monthly interest rate change notice I was told to check with the Federal Reserve for my answer! I ca n't point to any single charge that MAY be illegal but would appreciate the CFPB to ask the appropriate questions to determine whether or not Wells Fargo is treating my loan within the laws governing HECM.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2015, my mother passed away I was named Executrix of the estate. On XXXX XXXX, 2015, I mailed a copy of the death certificate, letter of Testamentary, and letter of intent to sell the property to Wells Fargo to stop the reverse mortgage. On XXXX XXXX, 2015, the appraisal ordered by Wells Fargo was completed. On XXXX XXXX, 2015, I contacted the representative from Wells Fargo that was provided to me. The paperwork was received and I inquired as to the results of the appraisal. She stated that she had not received it and to call back in one week. On XXXX XXXX, XXXX, I again contacted Wells Fargo regarding the status of the appraisal. I was told there was no appraisal had been submitted to Wells Fargo but she would check into. She advised to use XXXX to establish a selling price. On XXXX XXXX, 2015, I left a message for the Wells Fargo and to date there has been no follow-up from Wells Fargo. On XXXX XXXX, 2015, I called Wells Fargo to obtain an email address to submit my concerns. I was advised that all communication can only be through phone or fax. On XXXX XXXX, 2015, I faxed a letter demanding a copy of the appraisal by XXXX XXXX, 2015 or I would contact your organization. To date there has been no response from Wells Fargo regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a condominium in XXXX, IL in XXXX XXXX. The unit was my primary residence for a while, but later became a rental property. I have a fixed-rate 30 year mortgage through Wells Fargo on this property - Wells Fargo sold the loan to another company, XXXX ( XXXX ), on XXXX XXXX, XXXX. I had made a web payment of {$1000.00} on XXXX XXXX that basically did not get applied to my loan balance before the sale of the loan. I started to discuss the problem with XXXX XXXX ( as soon as I got the statement indicating a missing payment ) ; after four months of investigating the matter, they claimed it was Wells Fargo 's fault, that Wells Fargo never wired over that money, and suggested I talk to my bank ( who could really do nothing ). I spoke with Wells Fargo, who initially admitted it looked like they did n't apply the payment to my account before the loan sold. I got a proof of payment letter from my bank ( XXXX XXXX XXXX ) and sent it to Wells Fargo so that they could investigate. Then they did some investigation and started pointing the finger at XXXX in XXXX. 

I had brought my account current with XXXX in early XXXX to avoid any credit issues, so I am basically out {$1000.00}. Wells Fargo verbally told me they 'd make me whole if they could n't get to the bottom of it, but when I 've called the last several weeks looking for an update they ' have been unresponsive. I have not had a status update on the matter since XXXX. I want my {$1000.00} payment to be refunded to me directly if possible, or applied to my mortgage balance.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-03-16
Company: Westlake Services, LLC
State: GA
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:
XXXX was the dates. Hours between XXXX XXXX. Phone calls was made to creditors and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have attended XXXX XXXX XXXX XXXX XXXX in the past. The department of Education has sent me a notice stating that I may be eligible for discharge of loans. I really need help with this situation because I have loans that I have accumulated and feel that I am stuck because I have huge debt that I have accumulated and never received a degree to apply for a job. Could you please contact me so I can try to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: BANK OF THE WEST
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank was XXXX XXXXXXXX XXXX, it was shut down due to a ponzi scheme. XXXX XXXX XXXX XXXX, handled by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, phone XXXX with email XXXX informed us that the XXXX, XXXX and XXXX check they sent us were never cashed. In addition the XXXX check they claimed due to the embargo against XXXX, where we reside full time, was sent via regular post office mail, which we never received as there is no postal service in XXXX. When we tried to deposit check {$5.00}, XXXX & XXXX, they bounced because the bank that issued it, Bank of the West, XXXX XXXXXXXX XXXX XXXX stated that the signature on the issued check, not our signatures, the person who signs and approves the checks to be paid was not a recognized signature ( signature irregular ). We called the Bank of the West and they sent us to our other XXXX XXXX XXXX XXXX to deal with them. We met with XXXX XXXX and showed us how they were returned/ bounced due to the Bank of The West not recognizing the issuing signature. We have emailed XXXX XXXX XXXX and have called them numerous times and no response from them. They asked us to email them a Wire Transfer Form, which we did, and they did not take action. We have lost so much money to begin with due to the fradulent business practice of XXXX XXXXXXXX XXXX and we have to be able to recuperate at least what the Bank of The West in CA has issued. We spoke to The Bank of the West in CA and they state because it has been to long the checks expired. But they returned the checks to XXXX  and by the time it was addressed now time has expired? Please help us. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My information and twin brothers information is being included together because our social security numbers are a digit off

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 2023-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello, In XXXX of this year I noticed two hard inquires on my credit from the XXXX XXXX app made on XX/XX/22. One was for XXXX XXXX and the other as for capital one. I dont have open accounts/credit cards for any of these banks nor did I apply for one. I am making this complaint because I got in contact with the credit bureau and they advised me to make a complaint first so they can then investigate my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had a 2nd mortgage with XXXX. They sold it to Shell Point Mortgage, I've been trying to get in touch with them to find out what is going on. They sent me a letter and somehow I lost it. I was told that I could make payments to them. I have not heard anything from them at all. I'm willing to work with them if I can get in touch with them. I'm not sure but I think they want to foreclose on my home. 
I would like another letter sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: AZ
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:
The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XX/XX/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 2016-12-04
Company: Commonwealth Financial Systems, Inc.
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A company operating as Commonwealth Financial, and a website of XXXX, of Pennsylvania, did report to the XXXX credit bureau that they have a deliquent account in my name. 
They did not however make any effort to contact me first, such as with a standard form notifiying me of an alleged debt and their intention to report it to a credit bureau.

Company response to consumer: Closed with explanation