BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-20
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in chapter XXXX for past three years during which time my wages were garnished and according to trustee documents over {$36000.00} was paid to my mortgage company yet they state they never received and now county is wanting to auction my property for unpaid property tax which should have been included in my payments when I tried talking to mortgage company they stated let 's get you in home preservation first then we will look into it they never have

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 2015-09-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX University in XXXX, PA. 

I am filing this complaint with the XXXX as well as Wells Fargo in hopes that something will be done about this process before legal action is taken. I am currently making the minimum monthly payments on my student loans which I consolidated with Wells Fargo in hopes that I would get a lower interest rate and/ or payment. 
My payment is {$320.00} per month, and while this may be affordable to some people, I only make {$35000.00} a year. I ca n't afford to pay for this loan payment on top of all of my other bills, utilities and student loan payments. 
I tried to get forbearance for my loans at the beginning of the year. I called and asked to have the forms sent to me in XXXX. I waited 2 weeks, and nothing was sent. I called again in XXXX. Again I waited, and nothing was sent, I called again, and finally received the forms in the mail. I was told that if I was granted the forbearance, then the past due balance on my loans would be " reset, '' and I would not have to worry about it. 
Because of this, I allowed the past due balance, and late fees to accrue. The process for my student loan review took more than 2 months, and I was eventually told that my request was denied. I was devastated because my credit score had taken a major hit due to these loans, and I was in the process of getting reviewed for a home equity loan. 
Because of the bad information that I was given by Wells Fargo, my credit score is extremely low because I can not afford to pay the past due payment, my home equity loan was denied, and I am forced to continue to accrue late fees, and penalties. 
I hope that your representatives will be more honest with the process in the future, and I also hope that you will make the process shorter for payees who need payment assistance. 
I have made every reasonable effort to resolve this issue, but Wellso Fargo will not accommodate any of my requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Windham Professionals, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Got set up with XXXX XXXX in XXXX NY at age XXXX. I am XXXX and am in crippling debt of {$28000.00} and its in default. I have no job currently and in the year of XXXX I worked at XXXX in XXXX NY and was constantly harassed by collections while at work. I had no idea about the law suit against XXXX till after the deadline of XXXX XXXX XXXX to file a claim. I was young at XXXX too young to understand how big of a life changing decisions i was getting into and XXXX made things seem like a dream for a young XXXX. I now live a poor and every day struggle. XXXX Debt, Jumping XXXX job to job, Poor credit out the gate of adulthood and nothing/no one to help me understand what is happening or what to do. I need to start over thanks to the Education Department. They XXXX my life before I knew what to do with my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Name : XXXX XXXX XXXX, Phone : XXXX email XXXXXXXXLoan is with Wells Fargo Loan Number XXXX, Please help, I have health issues that have put me in a position where I have lost my job and I am now on XXXX. I have been trying to speak with someone at Wells Fargo to postpone the sale date to do a short sale or deed in lieu. Been passed around from the preservation specialist, to liquidations, To the re-entrey dept back to liquidations. On the phone at least for the past XXXX hours. Now one has any answers on who can help get it postponed to do the short sale or deed in liey. Please help. Times is of the esssence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I need some help on getting the harp program before it expires. Wells Fargo only wants money no help. They call when I am sleeping and when I try to call back all I get is a voicemail for the last 3 yrs I try to get them to call back and let me know when XXXX call. No call backs. They said my payment was based on what we made that was including my XXXX got out of 401 k to pay doctor bill and survive. Now things have slowed down again and I trying to catch it before I get behind again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX I refinanced my home loan. New loan of {$320000.00}. There was another loan of {$170000.00} but they did not pay this loan off. Thus from the first day we refinanced the property it was upside down. House then was worth {$360000.00}. With a loan of {$320000.00} plus another of {$170000.00} = {$490000.00} XXXX to Wachovia to Wells Fargo. 
In XXXX. the second which was {$320000.00} was falsly suboridated making it the first place loan. Thus we have never had a house worth less than our original 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage lender Wells Fargo has refused to work with us regarding modifying or refinancing our mortgage. We recently sent in a request for either a loan modification, refinance, or a principal reduction due to the fact that my husband has taken a pay cut with his company in order to retain his job and we wanted to take advantage of the all time low interest rates for a lower payment and not have a interest only payment but include some principal so it is getting paid down. We have been denied at every step with Wells Fargo and it has taken from XXXX to XXXX to get a refusal. Wells Fargo did completed a temporary loan modification with us on XX/XX/XXXX with a interest only loan for XXXX years and a lower interest rate but it steps up the interest rate each year until XX/XX/XXXX where the interest rate will cap at XXXX, then will re-adjust the payment to include principal and interest. We also have a balloon payment due of {$26000.00}, that was added to the mortgage for attorney fees, late fees, and other fees by Wells Fargo because of the modification and we are not quite sure when that balloon payment is due. We now currently owe {$520000.00} on our mortgage. They did lower the interest rate to reduce the payment but we think we are worse off now then before. The recent appraisal that Wells Fargo completed in XX/XX/XXXX the house appraised for {$440000.00}. We have contacted the XXXX XXXX Financial Counselor ) to help with trying to get Wells Fargo to work with us but they have not been able to achieve any results either. We have contacted other lenders to see if we could get our mortgage refinanced but because we are underwater they can not work with us. 
The reason Wells Fargo states that they can not do anything with out loan is because they only service the loan and can not contractual make any changes to it. The loan is owned by XXXX Bank and research shows that it belongs to Wells Fargo Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I got several calls from Wells Fargo regarding a late payment - my payment was not late they received and they took the payment and applied it to my principal - I have the cancelled check - they then proceeded to say I was 31 days late and did I not know how to manage money - the women named XXXX was rude and abrasive - the issue was resolved but I was called the next day and treated the same way- IT WAS THERE ERROR and they were still calling me - I would never want anyone to be treated this way.

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 2020-12-25
Company: EQUIFAX, INC.
State: NJ
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:
In early XXXX, I was a victim of identity theft when one or more unknown individuals opened an account with XXXX ( XXXX ) using my identity without my knowledge or authorization. XXXX identified the account as fraudulent and promptly closed it. I then followed all the steps to report this as a fraudulent account ( including, filing a police report and providing XXXX with all of the requested identifying information ). On XX/XX/XXXX, I was finally notified by XXXX that my claim was resolved. Specifically, in its email to me, XXXX stated : " We've investigated your claim and determined that you are not responsible for any of the charges related to account number [ XXXX ] ... '' ( I am happy to furnish the email sent by XXXX. ) XXXX has also notified in that email that they will be notifying the credit agencies to remove the account. Notwithstanding that resolution by XXXX, the fraudulent XXXX account still appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: TX
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:
There are several items on my credit report due to fraud and i have reach out to all three credit bureaus with absolutely no response. not one has even investigated the issue or tried to assist me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My spouse and I, in conjunction with our legal representation, would like to pursue a Deed In Lieu of Foreclosure with our lender, Wells Fargo. We moved out of the property XX/XX/XXXX due to a change of employment. Since that time we have done our best to find buyers while continuing to pay the mortgage. Some of the ways we attempted to alleviate the financial strain of the mortgage was refinancing XX/XX/XXXX, renting out the property, and living with relatives. Unfortunately the cost of maintaining the property is too much, even with rental tenants. The home currently needs repairs and thus we are unable to find new tenants. When we looked at our finances we knew we would eventually run out of funds to maintain the cost of the mortgage and thus we sought help XX/XX/XXXX. 
We were informed that in order to be considered for a Deed In Lieu we would first have to go through the short sale process. Our initial request for the short sale program began back on XX/XX/XXXX. Wells Fargo confirmed the request on XX/XX/XXXX. After what seemed to be an eternity, Wells Fargo finally informed us that we had gotten approval to participate in the Short Sale Program on XX/XX/XXXX. There were no potential buyers during our entire time in the program, which expired on XX/XX/XXXX. 
On XX/XX/XXXX, I called Wells Fargo to inquire about the Deed In Lieu option, but they refused to speak to me regarding my account. On XX/XX/XXXX, we initiated legal representation as mentioned above. On XX/XX/XXXX, Wells Fargo calls me and I request that they contact my legal representation because I have hired them to assist me in pursuing a Deed In Lieu. A letter, dated XX/XX/XXXX, is sent to Wells Fargo requesting a Deed In Lieu. Wells Fargo acknowledges receipt of this letter on XX/XX/XXXX. This letter states that they will " provide [ us ] with the results on or before XX/XX/XXXX. '' It also states that " In the event additional time is needed [ they ] will contact [ us ]. We have received no such response and our legal representation has also received no such response. 
We recently, XX/XX/XXXX, received notice of a foreclosure date of XX/XX/XXXX. Our legal representation has called in attempt to find out what happened to our Deed In Lieu request, but Wells Fargo is not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been battling with Wells Fargo for years, most recently within the last couple of months. I have been submitting any documentations that I can send to them because my ex-boyfriend took out this loan in my name. This is a fraudulent account. I even have proof that Wells Fargo closed this account on my Credit Reports and then they keep changing the balance. I do not agree with this. They are not organized. The person who most recently handled this case, XXXX. I was informed for over a month that she was a part of the Fraud department. Then she changed it today that she is part of the Recovery department. I do not know what to believe. I communicated within a timely manner, for each of their requests. They would always take a very long time to respond, without showing any proof, hard copies, of where this account came from. I do not want to be responsible for an account that does not belong to me. I want them to clear this balance again, to {$0.00}, which I have proof is showing and has shown on 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
Consumer complaint received 2020-12-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
Hello, Mazda Financial is reporting my payments on my XX/XX/XXXX and XXXX XXXX bills as more than 30 days late. However, this is a result of poor processing by the Mazda Financial telephone agent.

Based on my own records, and confirmed by Mazda Financial, on or about XX/XX/XXXX I called Mazda Financial to authorize full payment on my account. Mazda Financial has confirmed this. Accordingly, my XX/XX/XXXX invoice should have been timely paid. 

However, the telephone agent did not fully draw the authorized amount. Because of this, the amounts I paid at the end of XXXX ( received 31 days after XX/XX/XXXX ) were deemed late payment on my XX/XX/XXXX invoice and subsequent payments have been tagged as 30 days late ( because bills I was intending to pay at the time of invoice were then deemed applied to the older bills ). 

I called again this morning when I received my notice that the dispute was not resolved to clarify this error and I was told, again, that they acknowledge I called to make payment but because I did not catch the agent 's error prior to the 30 day mark Mazda Financial will not take the late payment mark off my account. 

I truly feel this does not accurately reflect anything about my credit history, and it is literally going to cost me money on all future borrowings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RE : Account Name : Preferred Customer Account ( Wells Fargo ) To Whom it May concern : Wells fargo put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they wouldnt take it off from my credit report. It is hurting my credit. They are calling me so many times everyday and harassing me. I am single mom and their calls are putting me into so much troubles at work my work 's place. I need help to get it removed from my credit report and to stop these harassment.

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 2015-07-31
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This is the XXXX time I am complaining to you about the unfair banking practices of Wells Fargo in relation to their checking accounts. I accessed my bank account online and Wells Fargo showed a posted balance of {$190.00}. The asterisk clearly states the posted balance includes transactions that are pending, thus leading the customer to believe the posted balance is the remaining balance minus the pending transactions. So, over the weekend I purchased XXXX product for {$12.00} and then another product for {$5.00}, which are new transactions totaling {$17.00}. The new transactions totaling {$17.00} should well be covered by the posted balance of {$190.00}, right? No, I was charged XXXX XXXX overdraft fees for a total of {$100.00} to cover the {$12.00}, {$5.00} and another recurring {$4.00} transaction. The posted balance is a false balance and leads the consumer to think he or she has more money in the account than he or she actually does, So what happens? The consumer purchases something within the posted balance and creates overdrafts on multiple items, which is profit for the bank. ( I do n't think it costs the bank {$35.00} to " cover '' a {$12.00} or {$5.00} purchase ) Either the bank 's assertion that the posted balance includes posted AND pending transactions is purposely misleading or the posted balances are miscalculated. In either scenario, the consumer is primed for overdraft fees. This practice must stop and I am asking your Bureau to investigate and ensure personal checking balances are accurate within the industry. Personally, I believe I should not have paid overdraft fees since I acted on the posted balance as stated by Wells Fargo and I am seeking reimbursement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
When I am late on my mortgage payment to Wells Fargo I have in the past added the late fee, which is {$25.00}, so that I am current. For the last 3 years I have had to battle with them to get them to record this as a late fee instead of subtracting it from my loan balance. When they do that they say I owe the fee and it just piles up. I call them to tell them to fix it and all I get is it will be done but it rarely gets fixed. They say I owe {$200.00} now in late fees but the truth is I owe only about {$75.00} because I quit making those payments when I realized nothing was getting done. I have been into the branch to make my payments and told them to make sure that it gets credited as a late fee and still when I get my notice the next month it is still showing I owe the fees. I can not be the only one this is happening to.

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 2015-10-28
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
on XXXX XXXX weekend i was affected by the RUSHCARD fiasco.I didnt recieve my direct deposit as i normally do and when i did i wasnt able to access my online account due to being locked out. I am not able to check my balances due to the text alerts not working. the problem was said to be fixed however here it is time for pay again and i have not recieved anything. I have attempted to reach out to RUSH Card at XXXX and i continue to get hung up on. I would just like to be able to access my money so that i can move my services elsewhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian reports a bankruptcy filed in 2013. This information is false. I have never had a bankruptcy. This bankruptcy belongs to someone else with same name.

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