BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We filed bankruptcy in XX/XX/XXXX. We continued to pay our mortgage to Wells Fargo. Prior to our filing bankruptcy Well Fargo reported to the credit bureaus properly about our payment status. After the bankruptcy was filed Wells Fargo stooped reporting that we making our mortgage payment and instead sent us a letter every month saying they received our mortgage payment. 

We ask Wells Fargo why this was happening and they told us it was because we did not reaffirm our mortgage. We contacted the credit bureaus and were told that this was between Wells Fargo and us, not their problem. 

We contacted our bankruptcy lawyer and were told that the state of North Carolina does not allow reaffirmation of a mortgage. We conveyed this information to Wells Fargo. 

In XX/XX/XXXX we approached Wells Fargo about a loan modification and after 18 months of haggling and run around we received a loan modification. Even after the loan modification Wells Fargo still would not report to the credit bureaus that we were making our payments on time, they kept sending us a monthly statement saying they received the payment. 

In XXXX plus years of home ownership we never missed a mortgage payment until we asked for a loan modification and were told by Wells Fargo because we were making our payments that they would not grant us a modification. We were told by Wells Fargo during a phone call that we would have to miss payments before they would talk to us about a modification. Wells Fargo denies we were ever told this by one of their employees, both my wife and I are willing to take a polygraph to back up our claim and or testify to this in court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have an adjustable rate mortgage with Wells Fargo Home Mortgage. 
This year when the loan re-adjusted the principal balance used to determine the following years payments was incorrect. I have tried to resolve this with " The Bank '' to no avail. 
This has occurred at every re-adjustment period and when brought to " The Bank 's '' attention it has always been corrected in the past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was first contacted by phone number XXXX stating that he needed to know a time that I will be home so that I can be served a lawsuit. I asked what the lawsuit was for and he then told me to call XXXX. I called that number and a person named XXXX XXXX and told me that the creditor ( Ace Cash Express ) was going to press criminal charges on me if I did not pay the debt owed in the amount of {$590.00}. I asked him why would they press charges on a debt that has already been placed on my credit report and why he was threatening me. He then asked if I wanted to take care of the debt over the phone because if it went to court then I was looking at paying up to {$3000.00}. I told him I did not have XXXX that day to give but I could make pay arrangements. He then said mam we are not going to get anywhere I will see you in court and hung up on me. I called the number back and spoke with another guy who said his name was XXXX XXXX and explained my previous conversation with XXXX and asked why would they try to press criminal charges on me? He then said that they will not if I can make a payment or payment arrangement so I set one up. They never said the company they were representing only when XXXX sent me an email with an invoice that looked fake is when I seen the company name was XXXX XXXX XXXX XXXX. After doing further research I am unable to find any info pertaining to this company so I am not sure if they are a legit collection company or not. I never received a letter in the mail with anything regarding an arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a check for {$2000.00} from my daughter in New Hampshire. I deposited the check into my checking account at Wells Fargo on XXXX XXXX. On XXXX XXXX, I receive a notice from Wells Fargo that a hold had been put on the check until XXXX XXXX due to suspected fraud on my daughter 's account in New Hampshire. 
Well, the funds came out of my daughter 's checking account on XXXX XXXX and the money did not get deposited into my account until XXXX XXXX and that was only after I complained to a regional supervisor. I called Wells Fargo three times during those XXXX days and they told me they can not release the money until XXXX XXXX even though they already have the money and know there is no fraud on my daughter 's end because they already have the money. They had control and gained interest on my money for XXXX days without my consent. Are they allowed to do this?

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 2016-10-12
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My experiences with Navy Federal have been poor the last month. I 'm a XXXX XXXX member, so there has never been any question of my qualification to join. Sent proper paperwork to membership. Received welcome e-mail and applied for credit card, checking plus savings, and checking line of credit same day. Until a month again my account got hatch, I lost my credit card and someone withdrawn money out of my account. Navy blocked my account and they also never notified me on this action. They refuse to let me talk to a manager for about 4 months. Now one wanted to help me and they even told me i had to pay it back and make me over draft over {$6400.00} by someone who had gotten my checking account and savings account information number. I asked NFCU to investigate but they told me " it just was n't worth it ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My payment was do on XX/XX/2017 I had previously setup a payment to be collected on the XX/XX/XXXX in which I transferred the money from one account so I could pay on line or over the phone which I did at which time the following morning I noticed they pulled twice from my account causing XXXX insufficient cash charges on my account for XXXX 's furniture represented by Wells Fargo retail services who went on to with draw another payment on the XXXX of the same month after speaking with them they said theirs nothing they can do both my XXXX an also my teachers federal credit union accounts have been affected

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
Consumer complaint received 2015-10-19
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The loan was paid off in XX/XX/XXXX, by me refinancing the loan soley in my name with XXXX XXXX XXXX. XXXX XXXX advised me that the amount they were going to send to AES was about XXXX over the payoff amount, just to make sure the loan is paid off and the remandier shoud be sent back to them. I called when the account reflected the account was paid in full. They stated that the check will be sent in 30 days. A few weeks later that told me that they had a invlaid address for me and that they needed my address to send the check, however, every time I call I verify my address. I re-verified my address, they stated that a check would be sent in 10 business days. I waited a little over two weeks to check the status of the refund, they then stated that it would take 30 days. I waited 30 days and did not receive a check. I emailed them about the status, never received a response ; thus, I called a week later to check the status, they stated that a email was sent to the treasury department a week after they received the email from me requesting the status. During this conversation they stated they do not know what is going on with the check. This company keeps giving me the run around about an overpayment for a loan that was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
WE HAVE AN ACCEPTED PURCHASE AGREEMENT ON A MANUFACTURED HOME FOR {$130000.00}. WE ORIGINALLY GOT PREAPPROVAL THROUGH XXXX XXXX FOR LOAN AMOUNT OF {$76000.00} AS WE WOULD MAKE DOWNPAYMENT FOR THE REMAINDER, BUT WAS DENIED DUE TO FACT THEY DID N'T MORTGAGE MANUFACTURED HOMES IN INDIANA. OUR REALTOR ASSURED US WELLS FARGO BANK FINANCES MANUFACTURED HOMES ALL THE TIME AND HIS REFERAL WAS TO A FORMER COWORKER AT THE REAL ESTATE AGENCY WHERE OUR REALTOR WORKS AND XXXX KNOWS FROM REALTORS ' PERSPECTIVE AND THE BANKING/FINANCING SIDE TO GET THE FINANCING DONE FOR XXXX. SAID IT WILL BE A `` SLAM DUNK ''. OF COURSE WE TURNED OVER ALL DISCLOSURE DOCUMENTS AND PAID FOR XXXX INSPECTIONS PER FANNIE/FREDDIE GUIDLINES FOR MANUFACTURED HOMES, AS WELL AS AN APPRAISAL. PROBLEM BEGAN WITH APPRAISAL UNACCEPTED BY UNDERWRITTING AS THERE WERE N'T ENOUGH VALID CAMPARABLES TO JUSTIFY VALUATION. I CONTACTED APPRAISER, WHO CLAIMED APPRAISAL WAS GOOD AND MEETS THE GUIDELINES AND THAT WELLS FARGO SHOULD ACCEPT. I COMPLAINED TO WELLS FARGO AND SO MY REALTOR SENT COMPS FROM AN OUTSIDE AREA FOR CONSIDERATIONS. THEY WERE DEEMED INFERIOR. SO LOAN DENIED ON TECHNACALITY AS WIFE AND I ARE THROWN UNDER THE BUS DUE TO UNDERWRITTING/APPRAISER UNDERSTANDING/INTERPRUTATIONS.

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 2015-08-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2015 I had fallen behind on my mortgage and was working with Wells Fargo to remedy the situation. I had put my home on the market for sale and was notified on or around XXXX/XXXX/15 that the house was going into a foreclosure status. I quickly contacted the short sale department and began to work on becoming approved for a short sale. In the meantime, I received a cash offer to sell the house and contacted Wells Fargo to let them know the good news and obtain payoffs. At that time, their system did not reflect any foreclosure fees associated with the property however the next day, they moved my file out of the pending short sale department and it went into an active foreclosure status again charging me {$3000.00} for a {$25.00} filing fee with the courts. They knew that I would be paying them in full in 10 days. I feel that there was no reason for doing this to me and I filed a complaint with them on XXXX/XXXX/2015. I closed on my home on XXXX/XXXX/15 and they were paid in full for all late fees and penalties and interest along with this additional, " foreclosure fee ''. To date, no one has responded to my complaint and I have called in a few times and was only demeaned by the foreclosure department stating that I was the one behind in my mortgage and they did not care that it was paid in full. If the foreclosure department touched my file, that would be the cost. I think that the cost of {$3000.00} is exorbitant for a file that was in their possession for less than 11 days. And again I want to point out that the moment I notified them that I would be paying them in full they moved my file to foreclosure department and acted fast. Please someone investigate this on my behalf. I feel that their practices were designed to intentionally penalize me. I also feel that had I not called them to notify them, I would have sold my home with it not being in the foreclosure status and not been responsible for the additional {$3000.00} in fees ; again proving that the charge was excessive and not in the best interest of the client ( me ). Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continued to send debt collection documents for an individual that I do not know, to my property address, after I returned their mail. Please ask them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this account is on my credit. i have contacted this company and they can not supply any signed agreement holding me responsible for this debt. i was also advised by supervisor that statue of limitation on that debt was 2015.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$400.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 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 2016-12-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took a car loan. Out with wells Fargo dealer srvs, in XXXX, i I 've stoped getting statements from them in XXXX still made payments then they charged me for insurance starring I had none I did have ins, in time I sent them my ins, info showing I had ins, try refused to accept charging me XXXX for in ins, i pleaded with them nothing happens them in XXXX of XXXX I fshowed XXXX.left on the loan in XXXX of XXXX they defaulted my loan showing I owed XXXX.on it which is not true.called them several times to resolve this issue no results .sent letter to attorney General of Mn they sent letters four times no reply.they wells fargo, went and put on my credit report I defaulted on my loan I never missed a payment, they stopedreporting to the credit bureaus in XXXX show I am not marking payments wi c h is false, aim still marking payments on this loan, they owe me money there not will I Mn g to accept there mistakes, I 've asked. For a audit on this loan they refuse.where can I get the help I need to stop this problem with wells Fargo Dealer seves, i feel there should be a law suit filled for there 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 2015-03-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX I purchased a XXXX XXXX XXXX. The vehicle defaulted and repossessed for payment in XXXX due to job loss and death of a parent and. In XXXX of XXXX I received a XXXX from a third party to pay taxes on the financed amount. Second incident stemming from the XXXX Serial NO. XXXX. I received a call from XXXX XXXX XXXX in XXXX, Texas on XXXX/XXXX/XXXX. Regarding a school zone ticket for {$430.00} which occurred in XXXX. I immediately faxed over A letterhead from Wells Fargo the lienholder referencing Notice of Our Plan to sale dated XXXX/XXXX/XXXX. I have thoroughly researched and seek further guidance to understand why more than two entities have manage to further allow my identity to be compromised without my knowledge. And what actions should have been taken to initiate updated documentation. Please respond with the next recourse of action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been stonewalled twice for a loan modification. I got injured and was out for 6 months. I tried a loan mod with Wells Fargo and got denied the XXXX time due to non participation from the investor. The investor did not participate in any loan mods. The XXXX time I tried, property values went up, and was turned down as my net present value ratio went up. I have equity in my property ... no good. I tried filing chapter XXXX and case was dismissed and I am barred for filing bk for 180 days. I have a sale date coming up XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We purchased a car at a XXXX dealership who arranged financing with Wells Fargo Dealer Services ( account XXXX ). The rate was a high one because of a previous bankruptcy. At the time of buying the car, we provided proof of insurance from XXXX XXXX ( Pol XXXX ). Shortly thereafer, we received a notice from WFDS that they needed proof of insurance and provided the website XXXX to upload proof. We did that. A month later we received a notice saying that WFDS would going to mandate insurance on our loan. We called the number listed. I presumed it was WFDS. Spoke with a representative who assured me that everything was in order and if there was a problem, they would call. No call was forthcoming. A month later, we received our WFDS loan statement. The amount of the loan was increased to cover the insurance. 

I called WFDS today ( XX/XX/XXXX ) to complain. Both the representative and his supervisor said that they could n't help and specified that a separate " division '' ( their word ) handled insurance verification. I pressed and found out that the " division '' was actually a separate company, XXXX XXXX. I pressed further and found out that this is also the company that provides the mandatory insurance. I called XXXX XXXX and they said they could n't help me because their system was down. 

I am quite suspicious about this whole arrangement. WFDS is being deceitful by calling it a " division ''. That supposed " division '' which handles insurance documentation has EVERY INCENTIVE to lose the paperwork and force the coverage on us. I did a quick Google search and found this is not uncommon. 

We provided proof of insurance at least four times : ( 1 ) At loan origination, ( 2 ) uploaded to their site, ( 3 ) called and spoke with a representative, and ( 4 ) our insurance agent submitted it. I am asking the CFPB investigate to see if this is a predatory practice being perpetrated on subprime borrowers who typically lack the resources to fight back against it.

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 2022-11-08
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 MEDICAL DATA SYSTEMS I, issued a collection to my credit report stating that I owed them {$1500.00} under account number XXXX. This is inaccurate, by law per the FDCPA & FCRA they are required to show where they've verified that this debt belongs to me by producing an original copy of the document bearing my signature stating that I would pay a third party ( MEDICAL DATA SYSTEMS I ) a debt of {$1500.00}. I have written to them to rectify this situation and have shown them by law where they violated my consumer right under the ( FDCPA ) XXXX Validation of Debts ( a ) ( 1 ) - ( 5 ) as well as but not limited to XXXX. False or misleading representations. MEDICAL DATA SYSTEMS I also truncated or abbreviated information on my credit report seeing that the account number is abbreviated MEDICAL DATA SYSTEMS I 15 U.S. Code & 1679c - Disclosures.

Company response to consumer: Closed with explanation