BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After a fraudulent check was deposited into my account, the bank closed my accounts and started to proceed against me as though I created the check and was attempting to defraud them. I have banked with them for over 25 years. Despite numerous attempts working with branch managers to try to resolve the issue and restore the money for the check, Loss Prevention and Collections have acted to close my accounts, leaving a balance unpaid. I have tried to pay that balance, my brother has, my sister has. I even came into the bank with cash to pay it, and was told no. I have been told everything from they are taking that amount out of my XXXX Social Security check to they will release my check and anything in between. They rejected my SS check after telling me that they will accept it to pay off the balance and give me the balance. I have been treated rudely, with extreme disrespect. They have reported the incident, and they have refused to give names and positions when I speak to them so I can document what was said by whom. Now I do not know WHERE my SS check is, and the bank will not help 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 2016-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is in addition to the complaint we already have. Complaint # XXXX. Wells Fargo has placed a specialist to handle our case. The problem is that this specialist by the name of XXXX has very little knowledge about our account with Wells Fargo. On a telephone call she claimed that we have filed only XXXX Modification, we told her that it has been XXXX Modifications. She persisted in insisting that it has only been XXXX. How could Wells Fargo place someone over our case who does not have knowledge of our account. We spoke to a XXXX XXXX and he asked if we wanted another specialist assigned to our case, we answered yes. But XXXX XXXX then denied us this opportunity to have someone with knowledge of our account take over. First he offers a solution then denies the solution we ask for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: DISCOVER BANK
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 attempted numerous times to remove 3 collections from my credit report with no luck. The accounts are Discover, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have attempted to apply for a loan modification from Wells Fargo 5 times. We have a Wachovia pick-a-pay mortgage. Most recently, following the loss of my husband 's job, we submitted modification paperwork. The online HAMP calculator indicated we should have been given a modification but WF declined us again. We are several payments behind but have been making regular monthly payments. They have now written to us saying they will accelerate foreclosure against the property. We believe that the modification was turned down incorrectly and that the bank is deliberately declining to help us.

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 2017-01-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo home bank has securitized my mortgage and stolen money from my escrow account and owes me funds that was never applied to my account. They have also created multiple accounts in my name. The original servicer was ASC and is Now Wells Fargo Home Bank with a different fraudulent account number. I want full accounting and disclosure on Loan. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST I am writing to you to dispute the accounting and servicing of my mortgage, and to inform you of my need for additional information regarding various charges, credits, debits, transactions, reversals, actions, payments, analyses, and records related to the servicing of my loan from its origination to date. To date, the documents and information you have sent me, and the conversations with your service representatives, have not answered my questions. 

Because of concerns regarding predatory lending, I am disputing the validity of the current debt you claim I owe, including, without limitation, the principal balance, calculated monthly payment, calculated escrow payment, and any fees claimed to be owed and any trust or entity you may represent or service. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST

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 2016-07-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for HELOC loan with Wellsfargo Mortgage. Submitted all the documents necessary and proof of savings to cover upto 6 months of expenses in case of change in financial situation. We have had no other payments except for mortgage. Based on affordability calculators online, I qualified for the loan. 

WellsFargo rejected my application with reason " We do not offer the type of credit or the terms you requested. Amounts owed are too high relative to your income ''. 

Next week I applied for the same loan with my local XXXX XXXX XXXX and within 21 days the loan was approved. 

I feel WellsFargo is discriminating. I do n't understand how could WellsFargo reject my application while XXXX XXXX XXXX approve the loan.

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 2016-07-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received more than 70 calls from Wells Fargo since XXXX XXXX they call on Sunday through Saturday all hours of the day it is very annoying and interrupting. I do understand that i am late on my house payment but this is in clear violation of FDCPA regulation please see FDCPA 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. If needed I can send my phone bill as a supporting document to show how many times this happens in one day 7 days a week

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are trying to get a short sale initiated with Wells Fargo - This is an FHA loan. Wells Fargo is insisting that there is a title issues - but I have provided proof that there is no title issue and the judgment on file is actually Wells Fargo 's Mortgage. I would like Wells Fargo to get this short sale opened so we can help the sellers

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 2017-01-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I attempted to send monies to my nephew for XXXX on XX/XX/XXXX for {$500.00}. the monies never reached the account I sent it to and I never got the monies back into my account. I have attempted on numerous occasions to contact their wire transfer department and got no resolution for my complaint. Wells Fargo never informed me that there was an issue and that monies was never received. I have gone into the bank now since XX/XX/XXXX and have not gotten an answer as to where the funds are and why they have not been replaced back into my account. I have met with a bank manager who is not getting the correct answers to my questions nor has he been able to find out how I can get the funds returned to me. It is now XX/XX/XXXX, I returned to the bank today and have not recieved the funds into my account nor have I gotten any action as to Wells Fargo 's attempt to return the funds. Every time I go in and speak with someone in the bank they make a phone care to XXXX and nothing gets done. Funds are still missing from my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Capital One called my relative on XXXX/XXXX/2016 at XXXX and disclosed to them that I allegedly owe {$900.00} to their institution. 

This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Total Card, Inc.
State: NC
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:
My my credit his my credit report has been compromised they told me that he sent me a letter and everything is on my account on my credit should be there and they have not fix anything and they have not asked in our family anything else besides its in the pin number which doesnt make any sense because my credit still be around when it supposed to be a black Im in a freeze on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: SECURITY FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
about XXXX month ago i recieve a call from security finance they tell me i havent make payment for the loan but i dont know what they talk about .i ask about what kind the loan they said it was a check they make out for me and i cash it .them i ask them why they send me a check i didnt ask for they said it was part for the advertising but i tell them i been move out that address since XX/XX/2014 in didnt cash any check from them they ask me to go to they office in temple i go they they want a copy of driver 's licence and sign a fraud affadavit i sign it and they said it should b e done, but XXXX month later i order a credit report security finance pull my credit report without my pormition and they report 120 day late payment i call security finance again ask why? they tell me i need to sign other fraud affidavit for XXXX XXXX XXXX so i sign it send it to them never hear back from them again i call and call just ca n't get any answers and my credit report still show XXXX day no payment please HELP ME!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05
Company: AmerAssist A/R Solutions, Inc.
State: NY
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 held a power of attorney for a man residing in the XXXX. The principal died. The XXXX hounded me to pay the debt, and even though I wrote to them and told them that I was not liable for the debts of the deceased person, they referred the matter to a collection agency that did not even list the deceased person as the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a mortgage modification with my company-Wells Fargo. I believe I am currently in a FORECLOSURE status on my home. I received paperwork advising me that I am approved for the Home Affordable Mortgage Program. The paperwork gives me an offer of " onging '' " trial payments '' for an undisclosed amount of time. Paperwork states that they can not tell me at " this time '' what my actual modified payments will be. How is this a modification? I appealed and stated that I am in total agreement with approval, but can not commit to so-called modification without knowing what my final payments will be. I do understand that I am not in a position to be calling the shots here, given that I am behind on my payments, but I fear that they will take the payments, and then slap me into another predatory, over-inflated interest rate, unaffordable mortgage program. They are giving me no dates as to when these " trial payments '' will end, etc. I understand that they want their money, but I do n't know anyone who would agree to this open-ended agreement.

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 2016-12-29
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am a senior citizen with excellent credit, and have a Wells Fargo ( WF ) mortgage on a home I do not reside on. My late son and his family resided there. The mortgage was under my name but they were supposed to pay it. They never did and I only found out about it after his death last spring when I received a letter from a law office about a foreclosure. They did not make a payment in 8 years, and I was never notified. WF has my personal residential address but failed to notify me. I worked with WF, my broker and lawyer to do a short sale ( SS ). The lender approved the SS, but at that time, the price the lender wanted it listed at was too high and we had no offers for months. Attempts were made to lower the price, with broker and my lawyer reaching out to WF on several occasions. WF either ignored emails or failed to respond timely. I have XXXX pages of email correspondence, many asking the lender to please respond. Broker finally emailed WF saying we are dropping the price to said price, if you do not agree let me know ASAP. No response. Broker dropped price, held an open house and received a great offer, cash buyer. In the meanwhile WF rescindeded the short sale approval saying we did not have a buyer yet. This was said even thought WF ignored the brokers opinion based on XXXX 's that price was too high. Up until last week they had me submit more paperwork, in order to approve the short sale, and I submitted it in advance of their deadline, but yesterday they said they do not approve an extension of the foreclosure date of XXXX/XXXX/17 in order to have time to approve short sale and go through with the closing scheduled for XXXX/XXXX/2017. I want WF to push back the foreclosure so that the sale can go through.

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 2016-08-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I discovered in early XXXX XXXX that my monthly escrow payment with Shellpoint had increased by ~ $ XXXX. After going online to check my account, it turns out Shellpoint had obtained in early XXXX XXXX, without prior notification or authorization from me, a new " lender-placed '' hazard insurance policy for my property which costs XXXX more than my pre-existing hazard insurance policy. To my knowledge, my pre-existing hazard insurance policy was still current on my mortgage with my prior servicer, even when it got transferred to Shellpoint in XXXX XXXX. In addition to emailing a copy of my pre-existing insurance policy to Shellpoint, I have spoken with XXXX different staff on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and they tell me that they HAVE STILL NOT UPLOADED the copy of my pre-existing insurance policy, AND, they HAVE NOT YET REFUNDED to my mortgage account the previous UNAUTHORIZED ESCROW AMOUNTS they have disbursed to pay for the unauthorized lender-placed insurance policy they obtained without notification or authorization from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX I took out an installment loan with CashNet USAfor XXXX. This was done over the internet. Payments would be XXXX a month x XXXX payments @ 189 percent. They never sent me a visible contract only partial. The women I spoke to there said the loan could be paid off sooner. The contract was not forthright nor visible. 
One month later XXXX was due on XXXX/XXXX/2017, electronically, which was paid. However, they later demanded payment every 2 weeks. The first payment went all to interest and XXXX to principle. Next payment before due contacted 5 times before due date, harassing me. 

Even though I had not defaulted they were always threatening me. I look them up on their website, and found CashnetUSA is not licensed for installment Loans in California, only payday loans. My agreement with them was an installment loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
The Navy Federal Credit Union removed funds from my children 's savings accounts to pay a late credit card bill. This happened once before, several years ago. At that time I contacted NFCU and they told me that the accounts were joint accounts and to prevent this from happening again I needed to convert them to custodial accounts. They sent me the paperwork, I filled it out, sent it in and thought the problem was resolved. However, they did it again. We were late with our XXXX bill and they took the payment from my children 's accounts. I thought this was illegal. I feel taking my children 's money without their permission to settle my debt is a form of theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took an interest deferred loan with Wells Fargo since my air conditioner died and I had to get a new XXXX, but did n't have enough money to pay for the installation. The company that installed it offered a home improvement credit card with Wells Fargo that was interest deferred for one year. If you do n't pay off the loan in the one year, all of the interest for the full amount of the loan is levied on the account, in my case, a sum of {$1700.00}. This was n't made clear to me before taking the loan. I understood that it was interest deferred for one year, but I did n't realize I 'd be penalized for the full amount of the loan, and not just the balance at the end of the interest deferred period. I have not been late with any payments and this adds to the debt remaining by 25 %. I feel it is deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax maintains that when my account was established wrong information was given. Trying to confirm what that information is to correct it has proved fruitless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I pulled my TransUnion And  XXXX  credit report in  XXXX   XXXX  and noticed   XXXX   XXXX   and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with TransUnion stating this is not my account and with  XXXX  3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called Applied credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at TransUnion today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with  XXXX  as well that this is not my account. This last dispute on  XXXX   XXXX , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They ( TransUnion or   XXXX    ) will not provide proof and I have did all I can do.     I also advised  XXXX  the following Inquiries are fraudulent /not authorized by me :   XXXX    XXXX / XXXX / XXXX   XXXX  -  XXXX / XXXX / XXXX    XXXX   XXXX  -  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX -  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  I advised TransUnion the following iquiries are fraudulent/not authorized by me :   XXXX   XXXX   XXXX     XXXX  via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  I need this to be corrected and removed from my credit reports.

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