BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has been taking my monthly payments and applying these payments to my Chapter XXXX. Why I Say as I am now in the hole due to their taking money that should have been applied as payments to my mortgage and not my ChapterXXXX.

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 2016-05-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo keeps asking for additional information ( tax returns ) and said the IRS rejected my request for tax returns without reason they said. I can not believe they rejected my request for returns given to Wells Fargo without reason. Wells fargo says they can not process my modification without tax return authorization. THEY also said they did not require last 2 years of returns in prior conversations as I have P/L statements that will be just fine the representative said for XX/XX/XXXX 2016 NOW they are changing their mind and requiring the information that they said was not required. THEY are just trying to force a short-sale of my home by being so confused and delaying things for many months that I have specifically talked to them about the documents they requested, GIVEN them XXXX all the documents and it seems to be NEVER ENOUGH and they keep changing their minds on what they need. THIS is HARASSMENT against me and I am sure they are NOT FOLLOWING FEDERAL GUIDELINES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo bank and it subsidiary ASC America Servicing Company is stating that I have a Mortgage loan contract with them. I never signed a contract with them and I want them to produce a copy of the contract with my wet ink signautre. The mortgage company has also called me with threats and put papers in my mailbox for foreclosure at XXXX XXXX XXXX XXXX XXXX New York. They are also dual tracking me on top of all of this. I never entered into a contract with this mortgage company. Wells Fargo and its Subsidiary are predatory in nature. I also made payments for the hamp program but my money was stolen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo sold my mortgage to XXXX XXXX XXXX ( XXXX ). Wells Fargo has a functional website and easily available customer service. XXXX is difficult to get in touch with and get help from. Every interaction I have with XXXX makes me angry. It 's bait and switch to get financing from a company with a good reputation and then get handed over to a horrible company.

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 2016-01-25
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had started a loan modification process with Suntrust, they immediately started reporting damaging and wrongful information about my account while being under loan modification process, which by law they ca n't! XXXX Suntrust requires you to NOT pay your loan for the XXXX 6 months to qualify for loan modification, so that they can start loan modification process, meanwhile they were submitting to credit bureau that i was behind 160 days then XXXX again and on & on. I got fed up with their loan modification process, I ended up selling my home and " paid off '' Suntrust in full along with their hefty loan modification attorney fees and any other fees they conjured up to rack more money. I informed them numerous times to correct the wrongful damaging, negative & hard hits placed, they said they would, to date they never have! I have letter from them saying was an " error '' they need to correct this and fix my damaged report along with all hard hits & negative hits once and for all!! And I want more then an apology!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
URGENT - SHERIFF SALE ON XXXX XXXXHi. I went for a loan modification with Wells, Fargo Home Mortgage and submitted all my documentation in a timely manner on XXXX XXXX, 2015. 
I was called at the end of XXXX XXXX I still have the call on my cell phone ) by Wells, Fargo and was told my loan was turned down because is was over {$720000.00}. 
XXXX XXXX knew my loan was {$900000.00} in XXXX! 
I called and spoke to XXXX XXXX. She said the loan was turned down because I did not submit profit and loss statements for my realty company. I do n't have a realty company and was never notified that she needed a document! I explained the phone call I received the day prior and she said I was grandfathered. There was some new regulation that just came out in XXXX. I tried to look this up and there is nothing on the internet. So, this is XXXX different answers to the denial. Both are not relevant. 
Then I got a letter from XXXX XXXX saying she would like to help me, but it is to late due to the sheriff sale. How can this happen? 
Yesterday, I talked to XXXX XXXX who said he is investigating the matter. 
He said he had until XXXX XXXX to investigate but would hurry it up due to the sale on Tuesday. There is a huge problem because I do n't know if he can investigate this prior to the sale. There is not enough time! Why do n't they pick up the phone and call their lawyers XXXX, XXXX and postpone the sale so they have the time to investigate this properly. I can not sleep and am down to XXXX pounds due to the XXXX and XXXX this bank has put me through. XXXX ( {$20.00} XXXX ) and have never seen such consumer fraud. 
Please help me. There are only XXXX business days left until the sheriff sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: MOHELA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing to urgently draw your attention to a serious discrepancy regarding my student loan payment count, which directly affects my progress toward achieving XXXX XXXX XXXX XXXX ( XXXX ). My trust in the systems in place has been deeply shaken, and I am compelled to seek intervention and guidance from the Consumer Financial Protection Bureau to rectify this matter promptly. 

Background : In XXXX, I acted in good faith and consolidated my loans under the Income-Driven Repayment ( IDR ) waiver. To my astonishment, this action resulted in my payment counts decreasing from XXXX to XXXX. Since then, despite my continued employment in a public service position, the count has stagnated at XXXX for several months. 

Actions Taken : To address this discrepancy, I have been assiduously submitting my employment verification forms monthly, expecting the counter to reflect the accurate number of payments I have made. Unfortunately, these attempts have proven fruitless, leaving me in a precarious situation with looming uncertainties. 

Current Situation and Concerns : The payment pause, instituted due to unprecedented challenges our nation faced, is set to end shortly with payments resuming on XX/XX/XXXX. I find it deeply concerning, and frankly outrageous, that as we approach this deadline, I still do not have an accurate representation of my payment count. If I have already reached the required XXXX payments, it would be unjust for me to be obligated to make further payments. 

Request : I am requesting an urgent review of my payment count and demand its rectification before the pause ends in XXXX. An accurate payment count is crucial to ensure I, and undoubtedly many others, can confidently navigate our financial responsibilities without undue burden or stress. It is essential that borrowers can trust the systems in place, and as of now, this trust is significantly diminished. 

Furthermore, I kindly request a written confirmation of the review and the necessary steps taken to ensure my payment count is accurate. 

Conclusion : The XXXX XXXX XXXX XXXX program was established to recognize and reward those who have dedicated a significant portion of their careers to public service. The integrity of this program hinges on the accuracy and transparency of its processes. My situation, regrettably, has been marked by opaqueness and a lack of clear communication. 

I sincerely hope that this matter is given the prompt attention it deserves. It's not just about rectifying an individual 's payment count but ensuring the very credibility of a program that thousands rely upon. 

Thank you for your attention to this matter. I eagerly await your prompt response. 

Sincerely, XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Windham Professionals, Inc.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been contacted in writing by a company named Windham Professionals stating that I will be garnished effective XXXX XXXX for federal student loans that are either in repayment with XXXX or that I do not owe. In addition ; on researching the Company they have numerous complaints regarding their collection practices ; and are not approved by XXXX. I am unable to upload documents for this complaint ; but I can fax or mail all documents from XXXX ; and Department of Education to substaniate my claim

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 2016-09-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I WAS CONTACTED BY WELLS FARGO BANK ABOUT XXXX OR XXXX, I WAS GIVEN A CREDIT CARD WITH A {$9000.00} CREDIT LIMIT, THEY JUST GAVE IT TO ME I NEVER APPLIED BECAUSE I DID N'T THINK MY CREDIT SCORE AT THE TIME WOULD ALLOW ME TO HAVE THAT MUCH ON A CREDIT CARD LIMIT,. THEY JUST GAVE IT TO ME, AND NATURALLY THOUGHT IT WAS A GIFT FROM XXXX, I USED IT A COUPLE OF TIMES FOR CASH ADVANCEMENTS, AND TO PAY OFF SOME OTHER CREDIT CARD BALANCES, THEN ALL OF A SUDDEN THEY CONTACTED ME AND SAID DUE TO FURTHER RESEARCH THEY SLASH THE LIMIT FROM {$9000.00} BACK TO {$2500.00}?? THEIR WERE N'T ANY LATE PAYMENTS ON MY PART, THEY JUST CUT THE LIMIT BACK, THEY HAD ALREADY CHARGED ME FOR THE ACCOUNT, AND FEES CONNECTED WITH OPENING THE ACCOUNT AND CASH ADVANCEMENTS, IT DID N'T EVEN REGISTER WITH ME UNTIL I READ THE XXXX XXXX ON XXXX ABOUT WELLS FARGO GOING AFTER XXXX ( I AM XXXX YRS OLD )

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 2016-05-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Wells Fargo & Company XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Demand to start review I received a modification in XXXX of XXXX and made more than XXXX payments then received a letter from ASC mortgage, that they wanted me to subordinate a lien not in privity. i HAVE TRIED MANY TIMES TO SUBORDINATE BUT when i finally received the subordinate agreement ASC closed my modification. I have submitted more than 5 times requests to re-review me for a modification and had postponed on my own XXXX foreclosure sales and ASC refuses to look at my requests because of many reasons mainly now saying i received a mod and no more are being offered to me because i can not receive more than one modification. 

I also told Wells my servicer of ASC that my loan i spart of the Department of Justice or National Settlement Program ( DOJ modification program ). I asked for many times written verification of this and never have the servicer or investor responded. 

I also had written three times requesting the servicer to have the point of contact reach out to me and never has the point of contact reached me the bank never went further than a reentry team designed to stone wall me from getting my loan reviewed or put into loss mitigation status for more than a year of me trying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account XXXX XXXX XXXX Account XXXX : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks

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 2016-10-19
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are late on our mortgage and have applied for modification in the past. The modification process can only be described as incompetent at best, and deceitful at worst. Documents are lost, the file is never complete despite repeated attempts to be told exactly what is needed, and in final review, no meaningful accommodations are made. More recently, I have been given different information each time I call in to find out what payments can be made. I was told to mail in checks because they wo n't take partial payments over the phone. One check was cashed and applied, the next was returned. In fact, I had called to see if they had received it and they said they had no record of the check arriving at the office. Obviously someone had received the check, and reviewed the account to the extent that they were able to return the check. But no customer service rep was informed or would tell us what was going on. We were told on Saturday the XXXX of XXXX, XXXX, that the account had not been referred for foreclosure. On Monday the XXXX, we received a certified letter that it was in foreclosure. On Thursday the XXXX, I called Chase to find out what options we had. I made arrangements to pay {$3600.00} on Friday, XXXX XXXX, XXXX, which when combined with an unapplied balance, would cover XXXX, XXXX and XXXX XXXX payments. They told my husband the same thing earlier in the week - that they would accept 3 month 's payments. Today, I received a phone call that the account was returned to foreclosure status on Monday, the XXXX of XXXX XXXX, and that three months payments WOULD NOT be accepted, and we had to pay all past due amounts plus fees. They did not have notes of our prior conversations with reps. 

This is either sheer incompetence or a systematic way of doing business that puts consumers in a precarious position. It is a shameful way to conduct business especially in light of the fact that Chase was the recipient of a generous bailout during the subprime mortgage crisis of XXXX and XXXX. 

Please help in any way you can. We are just two working people who had a very hard time during the recession. We have a college student and a XXXX in high school, and are managing our own student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the last year or so I have been having issues with Experian and the information they have on me. I have asked many times for them to fix this matter and have been more than patient.

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 2016-04-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our HOA has a townhome that was abandoned by the homeowner and has been empty for several years. The HOA foreclosed on the property for non-payment of HOA dues. According to the county 's tax base, the HOA is listed as the owner and has been sending tax payment notices to the HOA for several years. On the advisement of the HOA 's lawyer, the HOA has not paid any taxes due over the years. The HOA has tried to find out who the actually owner is and has had a difficult time securing the proper documentation from the mortgage company to state the property was either foreclosed, the mortgage was forgiven, or what. The HOA wants to try to fix the place up and sell since we have not be able to recoup past HOA dues from the previous homeowner or count dues for this place for several years. Reaching out to the previous owner has been fruitless. The HOA does not want to proceed with selling only to have a bank, etc come forward and claim the townhouse after the HOA has spent money to repair the place for sell. Thus, the HOA is at a loss as to how to move forward. The county is now stating they will send the tax delinquent account to a lawyer. If that occurs, the HOA may be on the hook for lawyer fees and eventually having the pay for the past taxes without first having actually proof the HOA owns the unit.

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 2015-12-15
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Fraud or scam

Complaint:
After applying for a job online, I received a cashier 's check on XXXX XXXX, 2015, for the amount of {$1900.00} with an offer via text for a job position as a XXXX. The stated reason this check was sent to me was to cover errands and complete some tasks as his personal assistant. Before cashing the check, me and my husband were suspicious, so we went to Navy Federal Credit Union to verify the check was real. I was helped by one of their representatives whom I asked " when the check would be clear '' the representative responded " Within a day. You should have it by tomorrow. '' They assured me the check would be cleared by the next day, meaning within XXXX hours. 

Based on these assurances from Navy Federal, I followed further instructions from my supposed new employer to send XXXX wire transfers for {$800.00} and {$900.00} to XXXX, TX. A week later, Navy Federal removed the {$1900.00} and said that it actually takes up to 30 days for a check to clear. The check in fact did not clear after the funds had already been made available, and now my account is delinquent {$900.00}. Thankfully {$800.00} was held by XXXX XXXX and was able to be recovered. The manager repeatedly apologized saying they need to increase training of their staff to avoid this sort of " miscommunication. '' I hold Navy Federal as an accomplice to crediting a fake check under their stated position while still pursuing me for an illegitimate debt where the funds were and then were not available under my name. I have filed police reports and saved all documentation of the fraud committed upon me. Regardless, none of this would have happened had Navy Federal not misinformed me as to the status of the initial cashier 's check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan with Wells Fargo Dealer Services. The car was in acar accident and I was told by my insurance company the loanwould be paid off. I was also in the process of moving. I nevercontacted Wells Fargo to give them my new address becauseI was under the assumption that the loan was paid off. Wells FargoDealer Services sent me a XXXX letter dated XXXX 2012So I could purchase my current car. I disputed this with Wells Fargoas well as XXXX for reporting this inaccurate. XXXX changedthe dates several times. Please see attached. Wells Fargo is tryingto say they faxed a copy of the XXXX letter with the wrong datethis is not true. I found the letter they mailed me back then. I con-tacted Wells Fargo and spoke to XXXX XXXX who not only signedthe XXXX letter but said Wells Fargo sent out a letter via mail thatthe insurance did not payoff the loan in full and I was responsible for thedeductible. She verified that the mail came back undeliverable so thenthe began calling me. When they contact me I did make the paymentover the phone. My rights are being violated on a few levels. On XXXX level this has been repeatedly updated with the dates changing several times by the furnisher andthe credit reporting agency. Section XXXX states that the respons-ibilities of the furnishers of information to consumer reportingagencies. subtitle a reporting information with actual knowledgeof errors is against the law. Also after it is confirmed that this is anerror and still reporting it is illegal.

Company public response: Company 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: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Requested balances as of XXXX/XXXX/2014 approx. 1 month ago. I have not heard back from the branch or corporate regarding my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation