BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-07
Company: WELLS FARGO & COMPANY
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from XXXX XXXX in XXXX XXXX approximately 5 years ago. I was contract to Wells Fargo Dealer Service for 54 monthly payment, I asked and received XXXX two ( 2 ) month extension. I have made all of my paymets. Wells Fargo Dealers Services, due to an error on their part, put insurance on my vehicle after I informed them that I had the coverage required. Both my self and the insurance company sent confirmation of the coverage. To date, Wells Fargo Dealer SErvices has not removed those fees from my account and they are now charging me late fess and interest on the late fees and interest on the interst. They raised my payment to {$310.00} and I have been paying {$320.00} but still my balance does not go down. I am now trying todispose of the vehicle but because of what they say is the remaining balance on the loan I am having serious problems. I called and asked them to please remove the interest on the fess and the interest on the interest and got no response even after the gentleman told me he wouldlook into it and call me back the next day. I then called Wells Fargo again and asked for the gentleman, Iwastold he was in a meeting and that he said that he was just washing his hands of the whole matter. So I am still without an answer, still not able to dispose of the vehicle and at the rate they are chargeing interst on fees and interest I will never pay this loan off. Is there anything that can be done to help e rectify this situation?

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 2016-02-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am about to lose my house due to Wells Fargo 's XXXX scam. In the mid XXXX Wells Fargo forced any buyer they could without 20 % down payment into double mortgages with the 2nd mortgage at a very high interest rate, then refused to refinance them. Thousands of homeowners were victims of this scam. I was forced into one of these mortgages in XXXX at 8.62 percent, signing only on the proviso that that loan would be refinanced the following year. I have been trying since XXXX to get this loan refinanced, with different excuses every time. When I could no longer continue paying it, they refused attempts to set up a payment plan, refinance or modify the loan, now threatening to foreclose even though my first mortgage is current and I have never missed a payment. ADMINISTRATIVE ACTION NEEDS TO BE TAKEN IMMEDIATELY TO REQUIRE WELLS FARGO TO REFINANCE THESE LOANS ON ANY HARP OR HAMP ELIGIBLE HOME. 
Wells Fargo deliberately ignored a request for a refinance or modification through Senator XXXX office until such time as my unemployment ran out and then claimed they could not trefinance because I did not have a regular source of income. After a CFPB complaint, they then started six months of " research '' on the fraudulent origination of this loan, coming back with a claim that I had been given this loan due to an insufficient down payment, a claim that I immediately provided documentation to refute. A second modification application done through a highly reputable housing counselor was denied because I only had self-employment income. The Wells Fargo single point of contact deliberately drew out a fact finding inquiry so that I could not appeal. By drawing out this process and refusing earlier refinance attempts when I was working, Wells Fargo has created a situation where I am now near four months behind on the loan. Wells Fargo has refused all attempts at modifications, based on income guidelines above what I have earned for most of the time I have owned the house. 
Most of the research on this loan has been done by XXXX XXXX, who calls me regularly to " make sure we are on the same page '' and then make statements about me or the loan that I know to be false. I put over 5 % down on the house on the advice of a Wells Fargo Prosperity agent, more than the required down payment on the house then and an acceptable down payment today yet they claim they insisted on the XXXX origination because I " did not have sufficient down payment. '' On XXXX XXXX XXXX, I sent another letter through Senator XXXX requesting modification and other forms of relief. This has been ignored. Please intervene to address this situation.

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 2015-07-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I am requesting the date of last payment on a credit card and line of credit from Wells fargo. I have asked for this information via credit reporting agencies and through Wells Fargo directly to no avail since XX/XX/XXXX. I understand that these debts have been sold to XXXX XXXX. XXXX XXXX continues to re-age the accounts. I received a letter from Wells Fargo on XX/XX/XXXX The letter is ambiguously written to avoid answering the DATE OF LAST PAYMENT or THE DATE OF FIRST DELINQUENCY. Their correspondence only states the date the account was closed. This is not the information I need. I need documentation showing the last payment ( i.e. cancelled check ) to prove the date of last payment or date of first delinquency. I need this to understand when the XXXX year statute of limitations begins for reporting the debt. Wells Fargo 's response was ambiguously written to avoid answering the questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Money was unfairly taken out of my checking account Consumer Financial Protection Bureau Case number 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 2016-08-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I set up recurring automatic payments for a credit card and line of credit account with Wells Fargo Bank, but their system did not register this and two months later, I received a call my account was in collections for failure to pay. On the same day I set up the recurring payments with this bank, I set up recurring payments with XXXX other banks I have accounts with, and those have processed successfully.

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 2016-09-28
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
When I purchased this home I asked and was told that it did not have Termites and that it had passed termite inspection. I later found out that it had termites and the mortgage company included an old termite inspection document in the paper work and did not have one conducted for my benefit before I purchased this house. It has termites and it has them really bad!

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 2016-03-16
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy last year, and my home mortgage was discharged. I agreed to a loan modification through Wells Fargo. I have been making my payments on time, for about a year. I do receive loan statements, and the payments are being credited to my loan. Wells Fargo, states, they do not report payments, due to bankruptcy. I view this as unjust, due to, they are receiving money for this mortgage. I am not in foreclosure, and due plan to stay at the residence. I have n't received my payment history from Wells Fargo yet, or else I would be attaching. Before I filed bankruptcy, my ex husband did, while we were divorced in XXXX. I was on the loan, as well. Wells Fargo claimed me as part of the bankruptcy, and did not report my payments. I had not filed bankruptcy until XXXX. I contacted Wells Fargo, and all they did is give me the run around. My lawyer was supposed to reaffirm my debt, but all I got from their office was a run around. I basically got screwed on all accounts. I just want to rebuild my credit, and notify Wells Fargo, that the money I pay into their company, reflects on my credit report. I 'm paying them the mortgage, they are receiving my money. This is not right. Important information, my name is shown as XXXX XXXX on loan. Married 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
Consumer complaint received 2015-07-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to obtain a mortgage modification from Wells Fargo Bank since 2014 each time I have been denied. I have had XXXX loan processors and each one has denied me a modification. I have gone through Keep Your Home California and have been approved for programs such as mortgage principal reduction, mortgage reinstatement and Wells Fargo has continually denied Keep Your Home California from helping me. 

I have called Wells Fargo and told them of my difficulty in making my mortgage payments and Wells Fargo tells me that they have done the best for me that can be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: SECURITY FINANCE CORP
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have had nothing but problems with Security Finance. My main concern is that they would not accept payments from me in order to make sure I got late fees. Even after the loan was payed off I still had to pay late fees. I was treated very rudely screamed at, cussed out and I think this company needs to be investigated for unethical business practices. In my last conversation with the office the manager threated to place fees on my credit even though I had paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX 2016 I went to the bank and requested a wire transfer to a company in XXXX ( ( {$5900.00} ). I filled out the wire transfer services instructions. See wells fargo reference number XXXX. I was asked to put the XXXX number and XXXX number of the recipient bank, XXXX in XXXX. I wrote the correct XXXX number, but got confused and did not put the payee 's correct IBAN number. The Wells Fargo staff also did not realize the incorrectness of the XXXX number ( the number I put has too few digits to be a valid IBAN number ). I left the bank but twenty minutes later I realized that I has put the wrong number in the XXXX field. I called the bank -- both the branch and the Wells Fargo wire department. Both told me that it was too late " the wire had gone ''. I asked if I could follow with a correction. They said that Wells Fargo had to wait for the money to be returned by XXXX which should, according to WF, take 3-5 business days. I asked if I could do a recall. WF said that would take 30 days. So I waited a week and no money was returned. I asked WF to run a trace and a correction. A week later now still no word at all and no money. This is unjust. Surely Wells Fargo can contact XXXX and figure out where the money is. I am clearly getting the run-around where nobody wants to take the time or responsibility. I recognize the error that I made in initially giving the wrong XXXX number, but I feel that WF can rectify the situation after two weeks if it wants to expend a little effort. Or did I just lose {$6000.00} because I inserted the wrong number? 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2016-06-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Wells Fargo to cancel my PMI since my loan-to-value ratio was below 80 %. I purchased my home for {$280000.00} in 2014 with an original appraisal of {$320000.00}. I currenlty owe {$250000.00}. I was advised I could not cancel my PMI until my ratio reached 75 %.

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 2015-09-03
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I obtained a XXXX Mortgage as well as a XXXX mortgage on my home XX/XX/XXXX with Wells Fargo Bank. I lost my job of 27 years, at the age of XXXX, XX/XX/XXXX, and after 2 years, spending all of my life savings of {$150000.00}, still unable to find work, I was forced to file for bankruptcy protection in XX/XX/XXXX. In that filing, IT IS A MATTER OF RECORD THAT I REAFFIRMED both mortgages with Wells Fargo. The industry being in the mess that is was, I never received confirmation letters confirming my reaffirmation on both loans, no matter the number of attempts made. In the entire life of each of these loans, before, during, and after the bankruptcy filing, and continuing to this day, I HAVE NEVER MISSED A SINGLE MORTGAGE PAYMENT NOR HAVE I EVER MADE A SINGLE LATE PAYMENT ON EITHER WELLS FARGO LOAN in almost 10 years of paying the XXXX and XXXX mortgage. Yet, all three credit reporting agencies report that the mortgages were included in the bankruptcy filing rather than reaffirmed. I have contacted Wells Fargo repeatedly, filed credit complaints, provided the history, and Wells Fargo 's answer is that, notwithstanding the fact that I can prove both were reaffirmed, since they never confirmed that fact, they will not correct the record. 
I have suffered substantial and continuing harm from Wells Fargo 's egregious refusal to correct the record, such that my credit scores are as low as in the XXXX 's notwithstanding a perfect payment history with that bank and all others, with the exception of the bankrupted debts which did not include Wells Fargo Home Mortgage. 
Please tell me what can be done to correct this injustice. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
A bank foreclosed my property, which I did n't have any loans with, and they were helped by the Law Offices of XXXX XXXX. I believe the bank was bayview loans, but am not sure because nobody ever told me who was my mortgage company, after XXXX XXXX XXXX did n't finish the short sale I had going on with them, because an issue with the title of the property, something that if XXXX XXXX XXXX could n't do it, how come this bank bayview loans was able to do it? by forging a loan modification that I had with XXXX XXXX XXXX prior to the short sale. 2 years, after the real loan modification was created.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Patient Accounting Service Center
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX I went to XXXX Medical Center for a XXXX. I stayed in the hospital overnight. A few weeks later the bills started rolling in and I agreed to pay the remaining {$1000.00} after insurance was collected. XXXX began billing me and each statement was different after agreeing to a monthly {$100.00} payment. I paid {$100.00} on XXXX/XXXX/XXXX and waited for the next month statement. On XXXX/XXXX/XXXX the statement was for {$2200.00} and I contacted both the hospital and my insurance. The insurance called XXXX and they agreed that there was an error and they would send correct statement. On XXXX/XXXX/XXXX I got another statement for {$2200.00}. I again called the hospital and insurance and the insurance contacted XXXX and again they said they erred and would send correct statement. On XXXX/XXXX/XXXX I got a letter from debt agency indicating I was sent to collections. I have a credit score of XXXX. I called XXXX again on XXXX/XXXX/XXXX and asked what was going on and they said it was my responsibility to pay and I explained how they were sending me wrong statement amounts and that I would have gladly paid the {$100.00} a month if they did their part and statement showed correct balance. 

I hope you can help me with this, I have no issues paying the monthly or even full balance if I could get someone there to understand how they erred and I should not be taken to collections for something out of my control. I always get a different supervisor with different answers on how all of this was my fault even though I set up a payment plan and they failed to bill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a full package for mortgage assistance back on XXXX XXXX, 2016. Since then I have not received any correspondence or calls from any point of contact or representative on behalf of Bayview. When I do call in I am transferred to a single point of contact but yet they never answer nor return calls so I am left calling back only to deal with the same issue. Bayview should have all documents for assistance and should be reviewing my file accordingly as there is an upcoming foreclosure sale in 2 days! I feel I am being treated unfairly and properly given the urgent situation of my foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Stephens and Michaels Associates, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I keep getting phone calls from Stephens & Michaels Associates in NH. When I answer the phone a recording asks me to please hold, when someone answers the phone they will not provide me with any information, just that I have an outstanding debt and they require that I pay it immediately. 
They will not provide me with proof that they have acquired this debt from the first policy holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? when was last activity of the acount? 
Why is it not reporting accurately across all bureaus? Statue of limitations? Not my account Please update and remove and suppress this innacurate account 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX TransUnion XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXXy Name XXXX XXXX XXXX  Date Assigned XXXX XXXX, 2017 Original Balance {$210.00} Current Balance {$330.00} Responsibility Individual Status Collection account Comments Placed for collection

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 2015-12-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in a loan modification with Bayview Loan Servicing and they had a notice of default filed against my owner occupied home without any warning. I am still furnishing info to them see attached documents. I contacted the foreclosure company with no response also Bayview has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: WESTERN UNION COMPANY, THE
State: TN
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
i hired Pay map company to collect my mortgage and give to XXXX XXXX XXXX. We agreed that it would be twice a month but they took 4 times a month for more than two years which made me over draft along this period and i paid fees and i had family problem as well they promised me to shortened the period of mortgage term but they deceived me.

Company response to consumer: Closed with explanation