BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-12
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently, I read that you are investigating complaints against XXXX XXXX. XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX XXXX. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX XXXX and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I was speaking to a young lady by the name ofXXXX XXXX about a business venture where I would pay her {$50.00} to get started and she would " run '' some numbers and send the profit back to me. This conversation happened Thursday XXXX and I ended up sending {$50.00} to her by Western Union on XXXX/XXXX/2015. Then I got several calls and texts from someone name XXXX XXXX and when i tried to call XXXX back, no answer. Every since then this XXXX XXXX has taken over stating that XXXX did n't complete the transaction correctly. Yesterday I ended up having to send anther {$50.00} to XXXX XXXX by XXXX and still no profit. I called last night and today asking and demanding my money and his response was " these NUTS. " I just want my {$110.00} ( Money sent plus fees ) Even though the money was sent to XXXX XXXX, the person receiving the money is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Been having issues with Bayview Loan Servicing , LLC ( Loan Number XXXX ) since they or the mortgage company they represent purchased my mortgage from XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX. Many charges have been applied/charged to my escrow from the beginning, the most disturbing charge was the increase of my mortgage on XXXX XXXX, from {$1200.00} - {$1600.00}, an increase of {$380.00} due to their Annual Escrow Account Estimation for XX/XX/XXXX, which included the full amount of taxes that would be due for XX/XX/XXXX. However, I 'm in a Tax Relief Program because I 'm a XXXX and my current income, and only required to pay {$38.00} annually for my property taxes. 
I have provided tax relief documents to Bayview for XX/XX/XXXX and XX/XX/XXXX but they continue to show I 'm in the rear with my mortgage. They continue to send loan modification documents which I have not requested. 
I want my statements to reflect my correct mortgage payment which is now {$1400.00} due to this year 's increase of 1 % from 3-4 %. Any associated fees charged due to a loan modification request credit back to my escrow account. 
One of the documents state that I had requested a loan modification, I have never requested a loan modification through Bayview. I had received a loan modification through XXXX initial payment started XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a private student loan through Wells Fargo that was originally {$12000.00}. I started paying on the loan in 2012 which was then 18,000. I, being a young, " not so intelligent '' person at the time did n't realize interest was accruing from the time I got the loan nor did I expect it to be as high as it is. I have now paid over {$5000.00} on the loan and about {$900.00} has gone to principal, the rest interest. The loan has an interest rate of over 11 %. I have tried time and again to get the rate reduced, or even my monthly bill reduced and they will not help me at ALL! I do have some credit issues that I have been dealing with for the past couple of years and recently had to file for bankruptcy. I am in the process of rebuilding my credit and I am really trying to get my finances in order. Wells Fargo has made it very difficult for me to make any progress, they continue to ignore my pleads for any kind of help and repeatedly tell me that they can not help me. I understand that I am responsible for this debt. I am fully ready to take responsibility, but I also believe there in no reason someone who makes less than XXXX a year should be paying that high of an interest rate let alone a {$200.00} a month payment. I have done my research and there are not a lot of options for someone in my position, I am hoping filing this complaint will give me some more insight on what else I can do. At this rate, I will be paying on this loan for years to come. Please give me some direction. It would be greatly appreciated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
In XXXX when my husband and I at the time were still married, we refinanced our mortgage with XXXX Mortgage. We also had a home equity line with " then '' Wachovia '' who is now known as Wells Fargo. During that refinancing process, Wells agreed to remain in the second lein position on the subordination agreement. Now, in XXXX, when we are divorced and trying to sell our home in a short sale, our sale was denied by both banks because Wells Fargo NEVER recorded the subordination agreement to have our title correctly reflect the lein positions. Both XXXX and Wells are refusing to budge and are fighting over first lein position, even though I have a copy of the actual agreement where Wells agreed to remain in the second lein position! I have been communicating with real estate attorneys, short sale attorneys, XXXX, Wells Fargo, and ALL of my resources continue to point me towards Wells Fargo who made this egregious error. Because they neglected to record the new lein position to the title, I am now in jeopardy of going into foreclosure status on my home ( I assumed all mortgage payments myself as of XXXX of XXXX and my ex completed a quit claim deed ). Additionally, and going all of the way back to XXXX of XXXX, I began attempting to remove my ex-husbands name from the Wells account as well, and they denied my application to refi and remove him from the loan. Since the inceptioon of my communciation with Wells, I have gotten nothing but inaccurate information, been pointed in the wrong direction, did not receive calls back and NOW because of their error back in XXXX I may be at risk of foreclosure. My ex and I did nothing wrong. WELLS neglected to record their lein position on the title, and now are credit histories are at risk of complete abomination! This is unacceptable! I opened a case with Wells on XXXX XXXX, XXXX and they are still trying to locate the subordination agreement which I faxed to them to be able to help me and clear this up. This is a complete disaster based on THEIR negligence, and I should not be left with a home in foreclosure and a destroyed credit rating because of the incompetence of Wells Fargo.

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 2016-08-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My father has defaulted on an auto loan with this creditor. The creditor is having a hard time finding their vehicle in order to reposes it. The creditor has sent a repossession agent to my house, my work, and has called my wife and I several times. I have explained to the creditor that I have no contact with my father nor do I have anything to do with their debt.. I have asked the creditor repeatedly to leave me alone and quit harassing me and they still wont quit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Over about 5 years no one has contacted me before that I know to an old home someone served me something but after that no one has ever contacted me and now they took my whole account and me and my XXXX year old will be homeless I wrote a check for rent that will bounce and we have nothing for XXXX credit they have XXXX interst and fees are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: ALLY FINANCIAL INC.
State: NH
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:
Ally Financial, and its agents have abused and deceived me as a consumer for their unfair practices of sharing " Our '' credit experience with third party organizations without prior consent/ permission from me the consumer. XXXX a agent whom works for this corporation stated that Ally believes they are furnishing accurate and complete information or our credit experience with you ( consumer ) labeled in exhibit ( A ) and therefor she will not request the removal from the reporting agencies. this is in violation of 15 usc 1681 a ( 2 ) ( i ) the fair credit reporting act Exclusions section meaning whats supposed to be excluded from a consumer report congress makes it clear that a report containing information solely as to transactions or experiences between the consumer and the person making the report ; must be excluded.

Ally was certified mailed to cease this form of communication including reporting to the credit reporting agencies. your organization never gave me a opt out clause to let me know as a consumer i have the right to opt out of credit reporting which is a violation of the gramm leach bililey act 15 usc 6801.

Note ; Ally has received and signed for all documents i have the green return receipts with signatures. this includes cease and desist, affidavit of Truth, invoice, notice of default opportunity to cure.

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 2016-07-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband, XXXX XXXX XXXX, recently passed away. He has a checking account with Wells Fargo bank. In 2013 my name was also on the account and for personal reasons we decided to take my name off from the account. I went with my husband to the bank to do this. My husband requested that I remain on the account as beneficiary only. When I went in with the Cert. of Death and all necessary paperwork ( even marriage cert. ) to close his account I was informed that my husband had no beneficiary listed on his account. Clearly this was an error made by the person who handled taking my name of from the account in 2013. They neglected to list me as a beneficiary. I was told I would have to go through probate to claim the account. There is only $ XXXX.- {$60.00} remaining in the account. Probate would likely cost me more than that. Although, to many that is n't much money, I am alone in Florida with no money right now. It is important to me. My husband had been XXXX and unable to work for about a year and I cared for him. I am eating with an EBT card and only receive $ XXXX./ month Social Security. Unfortunately, in the absence of my deceased husband, there is no authority at the bank to correct the error made in 2013.

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 2016-10-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
From XXXX to XXXX we were involved in a 'workout mortgage ' with Wells Fargo due to my husband 's job loss. 

This was the most miserable experience I have ever been thru in my life. We asked for a reduction in principle due to the reduced value of our home and was denied many many times. We had XXXX Wells Fargo Loan Officers assigned to our mortgage that would not return calls, mishandled documents, and consistently had full emails or voice mails. It seemed to have all worked out in Wells Fargo favor. Wells Fargo took the money from the government and instead of reducing our principle amount, we were offered a refi with all fees and charges included, so in essence they collected from the Tax Payers in a bailout of the mortgage industry and collected from us to save our home. So today, we have an awful loan that is still screwing us. 

During this process, we had XXXX drive by inspections with notes left on the front door. I have a XXXX '' tall file of correspondence and recaps of constant phone calls and letters to save our home, but twice, they sent inspectors by the house to see if we were still living in our home. WE QUESTIONED THIS AT THE TIME, and we were told this was standard to find a note on the front door and an extra charge added to our mortgage. I kept XXXX of the notes we found on the front door concerning these illegal inspections. 


XXXX courts have declared the inspections and fees as illegal. I want these charges paid back to my loan. I do n't care what agreement you all come to and what happens to everyone else, I want these charges paid back to my mortgage loan outstanding balance. It was wrong at the time, I told them it was wrong at the time. 


We have banked at Wells Fargo since XXXX XXXX, XXXX, we set up a joint account the Thursday before we got married.. My current Wells Fargo bank statement is XXXX pages long with accounts. How do you get these people to treat you fairly? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2015-07-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
A recent divorced mother of XXXX was responding to a job listing on the XXXX XXXX. The individual indicated tthat it was an independent contracting position and that my credit card would be required to conclude the employment opportunity. The individual that answered the advertisement indicated that we would have to meet, at the financial institution and that he had a good relationship with the banks in XXXX and XXXX, Georgia. The XXXX XXXX ad provided a XXXX ( XXXX ) XXXX employment line phone number, where there was an automated individual responding to all calls. The individual stated that the company 's name was XXXX. XXXX and they have access to unclaimed government funding, which they need independent contractors to fund these unclaimed monies through their account and send the funds to a corporation. He stated, he would not need any personal information, just the credit card and to meet with the bank lenders. 

As a recent divorced mother and struggling parent, I was excited about the job over the phone and as, what was the next step on the process. He indicated to meet and bring the credit card, therefore, he could meet with the bank officials. Upon, the scammist arrival, he had paperwork to file out and had the company information readily available. He was however, casually dressed, but I said alright perhaps a low grade business casual attire is permittable. However, in the midst of my vulerability, he took the credit cards and the rest was history. All accounts at Wells Fargo of 20 plus years were comprised and closed, but I stated to the bank, that I was the victim of fraud and I was immediately interrogated. Interested, how the tables are turned, but it is imperative that the public is fully aware of scammers taking advantage of hard working citizens and I am fully committed to assisting with the possible incarceration of all individuals that take advantage of any citizen. I am amist and seeking public exposure of the ability to simply post any ad, at random, whether it is the XXXX XXXX and XXXX or the XXXX XXXX. I am seeking restitution and continual public exposure of these prevailing incidents, therefore, no one else is taken advantage of. What should be my next step?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XX/XX/XXXX-XX/XX/XXXX I tried over and over to refinance my home after being put on permanent XXXX, having XXXX, XXXX XXXX, constantly be hospitalized and my taxes goin up ove 120 % over the past years we were forced to short sale our home. Wells Fargo just kept refusing me over and over forcing a short sale. They constantly asked for the same documentation over and over even after the acknowledged the receive end it. After having XXXX different buyers the house finally sold. The XXXX buyer it took them 9 months to constantly aske for the same paper work and then refuse & the XXXX was approved after about 6 months and I finally sold the home. Wells Fargo has me missing payments, which I did under direction of my lawyer because of the short sale was in contract XXXX with Wells Fargo getting paid in full and to keep up with taxes, maintenance, bills and medical expenses. I feel this should be removed so me and my family can go on with our lives. The hiccup on our credit report is an issue since we are going to be moving out of state for a better ccost of living.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
As of XXXX XXXX, I have not been able to pay on this Wells Fargo Acct # XXXX, the interest and late fees, just keep adding up, I would make weekly payments and it did not put a dent in this acct., I have tried to consolidate with Wells Fargo XXXX and was denied, I went with another Consolidation Company who has helped me consolidate my accts and have all been paid off including another W.F. acct .witch has been paid off, this W.F. acct is the only XXXX holding me back to start a better future, attached I have a statement that shows all the late fees and interest, what the problem is, that W.F. will not work with my consolidation company because on XXXX XXXX, XXXX they took a payment of {$960.00} from my daughters account, witch they have returned to us after I made a complaint with your bureau, when they took the money they said it made my account courant, but now no one knows how to adjust this problem to make my acct. past due since the money was returned to me, this has caused me a lot of stress because this is something I can not pay on my own, I am asking that you please help me to help them resolve this problem and work with me and the consolidation company, every time we call, they have been rude and say they do not know how to resolve this problem, if they would have never taken that money they would have excepted the payoff, I hope you can help me with this matter.

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 2016-12-31
Company: WELLS FARGO & COMPANY
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have tried to set this Wells Fargo account on autopay 5 times ; three times online and twice on the phone. The first time the page indicated the account was set for autopay. Two weeks later I received a very unfriendly call threatening to take the account to collection and report the account to the credit bureau. I paid the bill over the phone. I again set up autopay online and called to confirm that the account was on autopay. I was told the next payment was not due until XX/XX/2017. I thought that was odd because the date I set the account on autopay was early XXXX. I received a statement XX/XX/XXXX ( with a mailing date of XX/XX/XXXX ). The account was due on XX/XX/XXXX and had a late fee added. I mailed a payment on XX/XX/XXXX. I called XX/XX/XXXX to ensure the account was up to date. It was not. I was transferred to 5 different departments. I asked to speak to a supervisor and the line disconnected after the agent spent 45 seconds yelling that we had a bad connection. I could not set up autopay because the account was not up to date. One agent offered to send autopay enrollment through the mail. Each agent repeated the same information to me and tried to collect the bill. Each also said autopay would take 30-60 days to be effective. I have to go online each month to check the account and find out if the autopay is in place. My credit score has dropped 50 points because of Wells Fargo.

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