BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: WELLS FARGO & COMPANY
State: NY
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 took out large loans to cover my total tuition expenses for college, as my parents were not in a financial situation that could offer much help. 
6 months after graduating with my XXXX in 2013, I was contacted by Wells Fargo to begin my repayment plan. They asked me to pay $ XXXX/month. When I was baffled and confused, the only comments from reps I was met with was " well, do n't you work full time? You knew you were going to have to make these payments? Your parents ca n't help you at all? '' It has been a constant struggle. It 's an astronimical payment for anyone to make, let alone a young person just getting started in their XXXX 's. When I applied to get them consolidated, I was declined because of my low credit score..which is low because I have a difficult time making their payments AND having money to live each month. They wo n't work with me at all, and seem to think it 's perfectly acceptable to ask a XXXX year old to make {$1300.00} payments each month. On top of my rent, and bills. I ca n't make ends meet and I do n't know what else to do. I even offered to make {$800.00} or {$900.00} payments each month, I just can not to the {$1300.00} each month, and they were n't satisfied with those numbers either, which is still incredibly high compared to most student loan payments. I 'm stuck and do n't know what else to do. I am not trying to get out of making my payments, but I ca n't live and pay that extreme amount each month. I do n't know anyone at any age that could swing that payment on top of their regular monthly expenses. Please help.

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 2016-05-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for a refinance of our mortgage with Wells Fargo Mortgage department with XXXX XXXX, Home Mortgage Consultant - XXXX ID XXXX. I submitted all the paperwork with the help of my husband and then XXXX said that we could use the previous appraisal. That was on XXXX XXXX, 2016. We waited 2 weeks then he said that it was in some committee and they were deciding IF it could be used. I told him let 's just get a new one. Another week went by and still no decision so we contacted his manager XXXX XXXX. XXXX did n't get back with me and when he did he said he " forgot '' to contact XXXX. We never heard why they could n't use the old appraisal. On XXXX XXXX, 2016 XXXX said he would order a new appraisal and to contact him if we did n't hear from anyone. We contacted him on XXXX XXXX, XXXX XXXX and XXXX XXXX and each time he said he would escalate it. Today I told him we want to speak with XXXX XXXX 's manager. XXXX refused to do so and wrote the following " No need to be rude. I am trying to get this handled just like XXXX is. I thought you were asking me for his information again. '' Yet he never gave us that information. XXXX XXXX was cc 'd on the e-mail and never reached out. We called his office and his cell. No return call. His cell 's voicemail was full. XXXX is no longer reaching out to us and our 60-day lock expires on XXXX XXXX. We still do n't anything about getting an appraisal. Our fear is that because interest rates have risen they are trying to stall so we 'll have to pay a higher rate. We think so because XXXX kept pushing us to get a 30-year loan with a higher interest rate rather than the 15-year loan. Interest rates have risen. We are 34 days into a simple refinance and we are still getting the run around. We escalated to their " mortgage escalation department '' and XXXX XXXX said he would look into it on XXXX XXXX, 2016. He called on XXXX/XXXX/16 and just said he would contact XXXX and XXXX, which obviously, was n't going to help. XXXX XXXX would n't give us XXXX XXXX manager 's name either and did n't return our phone call on XXXX/XXXX/16. We still hope to close and just would like a new mortgage consultant to take over OR for someone with a higher level within the company to supervise them and allow us to close on or before XXXX XXXX or give us an extension on our lock date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Windham Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Hello, My friends ' parents have repeatedly received calls from a caller who would not identify his employer, he said he was calling from the US dept. of Education about a loan in default ( all my loans are current as confirmed by XXXX an hour ago ) Caller : XXXX XXXXPhone : XXXX, XXXX have never resided at this address or provided my friends ' parents ' phone number as a contact number. They refuse to acknowledge that they called my friend 's parents number, a number I do n't even know. 

When I called to indicate they should delete all contact numbers aside from my cell phone they refused to do so unless I provided my full social security number. I do not in fact owe them a debt as my loan is current and serviced by XXXX ; when I spoke with XXXX they indicated that they never authorize 3rd party collection calls and not to ever provide my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In 2004 I created a deposit account with Wells Fargo at a Colorado XXXX location. The account representative offered a service for an additional overdraft protection credit card with the opening of my account. I partially competed the form and decided to forgo the overdraft protection credit card and asked the form to be destroyed. After I closed my deposit account with the bank I was notified that I had unsettled account balances on a credit card I never authorized. After much back and forth with various representatives the bank had agreed to drop the card and charges which were never authorized. The issue remained as a negative account on my credit bureau for many years. After hearing the unfortunate news that this has happened to others, I wanted to share my experience that predated the recent news article regarding the creation of false accounts and I highly recommend a more thorough investigation be performed as the issue has a longer history than what is currently known.

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 2016-09-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX, FL XXXX XXXX. He referred us to XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX out of his XXXX and wanted to get the XXXX sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. Please help.

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
Consumer complaint received 2017-01-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
This company is in direct violation of 15 U.S. Code 1681s-2 - ( Responsibilities of furnishers of information to consumer reporting agencies ). I was never notified within the allotted 30-days prescribed by the FCRA, in writing, of any negative information ( late payment ) being reported to the XXXX credit bureaus ( XXXX, XXXX, or XXXX ) regarding 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 non-monetary relief
Consumer complaint received 2015-08-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern : My name is XXXX XXXX as of XX/XX/XXXX, i live at XXXX XXXX XXXX XXXX, XXXX, XXXX, I 've lived at my address for 21 years Its my primary residence, XX/XX/XXXX, I was in XXXX, trying to get equity line for {$60000.00}. I put my application in Wachovia Bank Mortgage and after a month they call me they tell me the loan is approved come get that {$60000.00}. When I go there they tell me to sign documents for that {$60000.00} they mislead me, Its fraud which I think that bank do to me, at the closing they told me there going to send me, {$60000.00} at my address, After I finished sign all those papers, I go home and discuss that with my son. My son tell me to cancel the loan, the next day after, I go to the place where I signed application for that loan to cancel that loan. They give me the phone # to call that bank, to cancel the loan so when I called them they say they will get back to me, as well as closing the loan they suppose to give me the form that should give me the ability to cancel the loan, they do'nt give it to me, I went back to Wachovia bank and it was coverted to WellsFargo Bank , also they told me that they pay XXXX XXXX XXXX , the loan # they say I had with XXXX XXXX XXXX , they made up by themself, I never had that loan # with XXXX XXXX XXXX also tell me I never have that loan # which the loan # that Wachovia Mortgage say they pay on my behalf, that loan # XXXX XXXX XXXX XXXX XXXX # with them, they say XXXX XXXX XXXX XXXX #. I believe that Wachovia Mortgage and WellsFargo want to foreclose on my house for the loan they charged me for they never give me any money for that loan also they never pay XXXX XXXX XXXX balance in behalf of me for XXXX. I spoke to XXXX XXXX XXXX about that they say they are not aware of that loan also the bank, WellsFargo recording title on the name XXXX XXXX XXXX in order to get money from me. I think thats fraud. I talk to XXXX XXXX XXXX about the payment WellsFargo claim they pay to XXXX XXXX XXXX in behalf of me. I ask WellsFargo for proof they paid, XXXX XXXX XXXX in behalf of me by sending me a photocopy of the canceled check they pay to XXXX XXXX XXXX. XXXX XXXX XXXX tell me they never received the money from WellsFargo only one way to prove by send me the canceled check. They send me all those documents except the canceled check. I ask them to send to me that they paid XXXX XXXX XXXX in behalf of me, I think thats my right for WellsFargo to send me the canceled check they claim they pay to XXXX XXXX XXXX. If they do not send me that canceled check, the resolution is that they have to pay me XXXX for damages they cost my life, also i can be contacted at my phone # XXXX, Thankyou.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: WELLS FARGO & COMPANY
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
VEHICLE LOAN established in XXXX XXXX with ( Wells Fargo Dealer Services ) XXXX, XXXX XXXX, CA XXXX ( an affiliate and/or subsidiary of Wells Fargo Financial System. ) The loan amount ( financed ) {$9800.00} -- XXXX Vehicle. Wells Fargo Dealer Services installment contract with consumer ( XXXX XXXX XXXX ) as of XXXX XXXX, XXXX. 
-- - The loan balance as of XXXX XXXX, XXXX ; per customer services records reflects a loan balance of $ XXXX. A statement dated XXXX XXXX, XXXX -- reflects a loan balance of {$9900.00}. Consumer only verifies at most {$300.00} has been applied to the loan in payments as of this date. 
Wells Fargo Dealer Services is n't transparent with the loan credits, debits, additional charges, assessment fees, late charges and simple interest compounded on a daily basis. 
Numerous times ; consumer has requested a transparent / clear record of hidden fees, late charges and assessments added to this loan. Wells Fargo Dealer Services ; continues to compound ( daily ) accrued simple interest and does n't lower the balance. 
Consumer has remitted to Wells Fargo Dealer Services : @ {$2200.00} in monthly payments, {$400.00} in assessed fees, $ XXXX+ late fees, XX/XX/XXXX ; consumer remitted to Wells Fargo Dealer Services loan payments + fees in the amount of {$910.00} ( single month ). 
Consumer does n't agree with Wells Fargo Dealer Services accounting and/or loan balance figures ; Wells Fargo Dealer Services ; has n't provided a ( detailed history of transactions ) to this date. 
In addition, Wells Fargo Dealer Services, compounds late fees with every transaction ; if missed payment, returned item late and additional fees, re-set to loan date fees, deferment fees, without notification and/or advisement. 
Consumer contends Wells Fargo Dealer Services is being deceptive to this consumer.

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 2016-12-08
Company: Prosper Marketplace, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I previously disputed an item appearing on my credit report as identity theft. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. 

The disputed account is : Prosper Marketplace - Acct # XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ESCROW COMPLAINT This escrow was forced on me against my will and without my consent. I had an outstanding balance on my taxes of XXXX. I did n't know about it and as soon as the county informed me by mail, I paid it. However, I was too late. Roundpoint paid it and forced an escrow. They claim that they called my house many times. I have the phone records. THERE WERE NO CALLS. No letter was sent Once in XX/XX/XXXX there was a XXXX ( XXXX XXXX ) shortage on my taxes. They want to also claim that this " deliquency '' was another reason for the escow. They actually wasted a stamp to let me know this. I sent them a nickel in the mail since they were so concerned. 
In addition, I paid my property taxes seven months in advance ( pre-payment program ) from XX/XX/XXXX XX/XX/XXXX Roundpoint failed to acknowledge this and kept demanding escrow. They said they " the tax funds will just be rolled into the next tax installment. '' NOW THERE IS AN EXCESS IN THE ACCOUNT. They said they did an analysis, but they did NOT take the pre-payment into consideration. By law, they can not have more than XXXX USD in excess ( commonly called cushion funds ). There is an excess on the account and they will not acknowledge it. 
I have called them many times. The custumer service is very difficult to understand. I do n't think they are very informed. Please assist me with this situation. They should not be collecting tax money for taxes that were paid in advance. They had no right to force an escrow. I paid that XXXX. It was not a fatal amount. They have their little agenda to force everyone on an escrow. I was not informed correctly

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 2022-08-04
Company: EQUIFAX, INC.
State: CA
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 have been disputing with the Credit Reporting Agencies to remove the fraudulent information completely from my Credit report. The letter I sent on XX/XX/2022 was already my 3rd letter requesting that the Credir Bureaus remove the items as they resulted from the theft of my identity. It has been a battle going through this and I am suibmitting this complaint to delete the following fraudulent information in my file. The dispute items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Reporting Agencies immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed XXXX {$0.00} DPT ED/XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
on XXXX 2016 i received an email with a " thank you for your application '' from cashnetusa.com on XXXX/XXXX/2016 i received 3 more " consecutive emails '' from the same sender, stating that my loan was 1 : approved, 2 : my loan was being processed and 3 : my loan was deposited. 

i did not take any loan out, XXXX dollars was deposited to my bank account without my authorization. nor did i ever create nor sign up for an account with cashnetusa.com or any other cash or load service like these online things.however, i recently signed up for XXXX XXXX cvard via XXXX to purchase a laptop, i am not saying XXXX has anything to do with it, it this started after that and it brings up a concern.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Bait & Switch predatory lending from Wells Fargo mortgage consultant XXXX XXXX XXXX XXXX # XXXX XXXX. 

He promised me a {$1000.00} credit at closing, {$500.00} from Wells Fargo and {$500.00} through Union Plus. He did n't say I had to do anything, apply for anything, qualify for anything. 

Turns out the XXXX was only for first time home buyers, which I am not, which he knows I 'm not from my first conversation with him, because he requested I write a letter explaining my 2009 short sale. 

Wells Fargo still owes me {$500.00} of the {$1000.00} that was promised to me upon closing. 

I 've patiently waited and called and written letters for 7 months. I want complain through official channels now.

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 monetary relief