BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went through a loan modification with Wells Fargo, they stated to me that for me to get this loan modification I need to not submit mortgage payments, and I told them that I want to continue to submit mortgage payments because I did not want the missed payments to affect my credit score. They assured me that it would have no affect to my credit score and that because I was being qualified to receive a loan modification I was safe and nothing will be reported to the Credit Bureaus. Now I have 5 delinquent payments on behalf of Wells Fargo showing up on my credit score and I will like them to be removed.

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 2016-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been having a very difficult time with Wells Fargo. I have recently been declined for a modification for " having to many modifications '' This incorrect and almost fraudulent excuse by Wells Fargo. The problem and confusion I am having with Wells Fargo started in XX/XX/2014 At that time Wells Fargo offered me a modification with a ballon payment. Before this Wells Fargo told me to contact Keep Your Home California which I did, and was working on getting approved for that program. I got approved by XXXX and told Wells Fargo the modification with the ballon payment was not a good deal and declined it. Because of the XXXX program I was now current and making payments. All was good. 

Unfortunately months later, because of the economy, I had a loss of income. I became late again on my mortgage. I struggled though this and am now over my hardship and working full time. I have a very strong and stable job and can afford my mortgage. 

I have applied twice for a modification and have been declined by Wells Fargo. Declined for " having to many modifications ''. So the modification I declined in XX/XX/2014 in now being forced on me and used against me so Wells Fargo can foreclose on me. The one chance I have save my house in now gone because Wells Fargo has committed fraud and is completely dysfunctional. Wells Fargo is saying they gave me a modification which they did not. I did not sign any documents for an approved modification. I did not make any payments on the modification. I did n't have to because I was approve for XXXX and became current. Wells Fargo has completely failed, I can not get them to address this mistake or have any interest in helping me resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX, I made a payment to Wells Fargo Home Mortgage for {$3000.00} to cover XXXX payments and XXXX late fees. Wells Fargo Home Mortgage has not given me the credit for paying the late fees. I have contacted Wells Fargo Home Mortgage XXXX and each time I am told they will credit the XXXX late fees as paid but it never happens. I would also like to have a typed separate break down of how much was credited to the principle for this loan for XXXX XXXX and XXXX. I am not requesting a payment history from Wells Fargo Home Mortgage because it is a lot of job control information for employees of Wells Fargo and is hard to determine the exact amount.I am requesting for Wells Fargo Home Mortgage to review my payment history and just only give me a direct typed response of how much principle I paid on this loan in the year of XXXX, XXXX and XXXX and the interest rate. Please also for each of these years list each years typed total principle separate for my review. Please also send me a copy of all escrow disclosures for this loan. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX I was informed that my loan was two months behind, I informed the caller that I was unemployed for a year in a half at that time, but I just got hired parttime and that I would be able to start making payments, she gave me an option of modification, I informed her that I would try to get needed paperwork to her for this, but I wanted to continue to make payments as I could. I received information for modification, I tried to get needed paperwork, due to work schedule it was hard, I was working consisitantly XX/XX/XXXX and I asked that they continue to draft my account for monthly morgage and when I could make additional payments to catch up I would. Wells fargo stoped withdrawing my morgage and I was informed when I called to check on my morgage that it was in forclosure and that a date for sale was not determined. Wellsfargo has had this loan since XX/XX/XXXX with me and the rate is 8 % on a {$40000.00} loan and I still owe that amount. I pay {$430.00} monthly, I have tried several times to get my intrest rate changed or refinance and they refuse and I have 30 years at this rate on this loan. Yes I have struggled with this loan due to my job lost, but this home is worth XXXX and Wellsfargo is sending people to take pictures of my home saying " this home is for sale '' I have the stress of being underemployment and Wells fargo trying to take my home to sell it. I have tried to set double payments and was told no, you have to pay {$2800.00} or do a ballon payment that wll be due in six months. Please help me I want to get away from Wellsfargo that are trying to steal my home for nothing. The intrest alone I have paid this loan off. I have depleted all of my retirement trying to pay this mortage monthly and I miss a couple of payments and they put me in forclosure. Please help me, I am so stressed with this problem. I have called everyday this week trying to set payments and they will not allow me. they are trying to make it look like I am very far behind and I am not they stoped taking my payments.

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 2016-08-22
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
paypal is trying to rip me off by transferring money from my bank account to my paypal account without my authorization. they have the worst customer service in the world! i just want to close my account but they wont allow me to do that!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Other

Complaint:
I had been looking for a new Credit Card to transfer a balance to and after reading some reviews, I saw that the Chase Slate card offered a 15 month 0 interest balance transfer option and no annual fees which would give me an opportunity to pay off the amount in that period without being charged interest. Perfect right? So I applied online and indicated I desired to transfer a my balance - close to {$8600.00} in the application. They also listed XXXX APRs - 13.24 %, 18.24 %, or 23.24 % that they offered and I would be placed in XXXX of these buckets. So they approved my application, but only for {$3500.00}, and also placed me into the worst APR bucket at 23.24 %. An account was opened and they initiated the balance transfer. Here is the problem - AT NO TIME DID I HAVE AN OPPORTUNITY TO APPROVE WHAT THEY OFFERED ME. If I had known they would not approve the full amount, for whatever reason, I would not have agreed to open the account. I also would not have agreed anyway on a 23.24 % APR which is absurd considering I have good credit standing and securable assets. It still is mind boggling why we allow credit card companies to even offer these high rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Arbor Residential Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I 'm in desperate need of mortgage intervention. I 'm a senior home owner with fixed income. I 'm having a big problem with my lender. I 've have my home for 26 years. Back in 2009 my sub- division suffered a devastating flood that affects the value of all property in the sub-division. For the past three years, I have family illness that causes me not to be able to make my {$1200.00} mortgage payment. So, I reached out to my lender Seneca Mortgage Servicing, LLC, out of New York. I reached to them to let them know that they need to lower my principle or to re-finance my mortgage because of the devastating loss of the value. I paid another company to help me to intervene. What I did n't realize is that Seneca Mortgage servicing only reduced my payment, but redo it for another 40 years. I did n't know this until I came back home from helping my ill family. I consider this practice as PREDATORY LENDING. I need help in getting this issue resolved. I should not be starting over for another 40 years when I 've had the house for 26 years already. WHO DOES THAT. They split the mortgage into XXXX, XXXX is for {$120000.00}, and the other is for {$55000.00}. The house does n't worth this {$170000.00}, and I should n't not be starting over. I thought that after two years of not missing any payment, they will forgo the {$55000.00}, part of the split. That was my understanding. Seneca Mortgage Servicing, XXXX XXXX XXXX, XXXX, XXXX, XXXX. Home address : XXXX XXXX XXXX, XXXX, XXXX, XXXX. I need set up a new financing plan that does n't include the {$22000.00}. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We have asked Chrysler Capital, the holder of our automobile loan and lien to provide the following to us 3 times now and they have refused : A detailed accounting of our auto loan including : Amounts Paid Dates Paid Means by which the payment was tendered/made Total payoff amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, We have been in an on going dispute with XXXX since XX/XX/XXXX which has resulted in a wrongful collection debt that has affected my fathers XXXX Security Clearance. 

XXXX has wrongfully sent our account into default despite several of my personal attempts to clear the account based on my cancellation of services request back in XX/XX/XXXX which I personally requested on several more attempts to listen to the call recordings of every person I 've spoken to within the company in attempt to prove my request of cancellation ( " this call may be recorded for monitoring purposes '' ). 

XXXX has continued to charge us for services well into the XX/XX/XXXX year for services in which we cancelled and have severely failed to provide reasonable definition as to why we were being charged. I have spoken to several XXXX members of " customer service, accounts receivable and collections '' and have received different excuses from each representative. Needless to say, two understood excuses I have received : The first - our account was never cancelled, the second - our account was cancelled but showed a debt for un-returned equipment. 

I have attached a notice from XXXX showing the start of service and also receipts for " un-returned '' equipment from the UPS Store. 

I 've asked on numerous occasions to speak to a manager in attempts to resolve the issue and was never able to reach a single one. Each representative " assured '' they showed no reason for debt and each " assured '' they submitted for a reverse of charges. That never happened and I was never contacted to provide proof. 

We believe we were never given a fair attempt to resolve this before being sent to collections and again, despite SEVERAL attempts. 

I have the names of XXXX representatives for most attempts to clarify the reason for debt and in attempt to provide proof of my rightful recordings of saying such cancellation was never given. 

POOR, POOR, Customer Service on 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 2015-11-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
While in process of a divorce I applied for a mortgage in XX/XX/XXXX with Wells Fargo in XXXX, XXXX a property in XXXX XXXX XXXX, Fl. I began moving in XX/XX/XXXX. I was told by a rep that I was approved for va and/or conventional however, while driving to Fl. and discussing the process I was strung along with other complications i.e. mandatory club fees and underage children on the property. When I arrived for the closing on XX/XX/XXXX I had no mortgage. I signed a promissory note with friends so that we could close. Soon after I re-applied with another mortgage company and had the process all over again ... .documentation, etc. Finally after several months I was approved with an additional down payment. I made about two payments to the new mortgage co. and the received another notice that the mortgage was sold again to XXXX XXXX with payments to be made to non other than Wells Fargo, who turned me down in the first place. Keep in mind that I had to pay appraisal fees twice as well as settlement and other extraneous fees amounting to several thousand dollars. Any recourse, for this was a complete rip off and there should be consumer protection against the companies and their personnel who engage in unethical practices and manipulations?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
" Acknowledgment-receipt of inquire Plan language? 
XXXX XXXX, 2016 & XXXX XXXX, 2016 XXXX XXXX Senior vice President Wells Fargo Home Lending? 

Idenity theft? 
No contract? 
if cross selling, it as not authorized by me? 
Media Suspension for 1 Year? I cant tell? I am not satisfied? 
They continue to write? 

Fine print on bottom of correspondence? Wells Fargo Bank NA NMLSR SAFE Act? 

Spells my name XXXX XXXX XXXX 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 2016-04-20
Company: Paypal Holdings, Inc
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Refusal to provide refund I made a purchase using Paypal Credit. The merchant was XXXX and I order XXXX items and was supposed to receive them expedited. I filed a complaint with Paypal Credit case # XXXX when I had not received my items in two weeks. About a month after the original purchase XXXX sent me XXXX items that were completely different than what I ordered. Meanwhile Paypal closed the complaint stating the seller had provided shipping information. I immediately contacted Paypal who told me that he correct the issue and I would be receiving a full refund of my XXXX. That was over two weeks ago. Every since then I have been getting the run around. They told me that I needed to file a complaint about the company, which they never mentioned this during the initial call. I did so with the XXXX Complaint Id : XXXX and Paypal still closed the case. I have sent them several emails and have not received a response. I want a refund plus the interest I would have received if they had returned my money when I initially requested it plus the interest they are charging me on Paypal credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a loan mitigation with FBC Mortgage. We were denied twice ( 2x ) due to ( according to FBC ) our income being to low and debt ratio being too high. I was approved for the loan on my income alone and was with the same job with increase in salary. After the 2nd denial, I added my husband 's income ( $ XXXX monthly ) and still was denied. I called FBC on several occasions and the representatives were unable to give me the figures the underwriters used to determine our approval/denial. We are getting the run around and inconstant answers. We are wanting to keep our home and FBC seem to be taking our situation lightly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for over a year to obtain a loan modification from Wells Fargo without any success. I had previously filed for BK protection last year to save my home from a FCL sale ; however, my BK has been dismissed due to a problem with a creditor on a car loan for my wife for which I was listed as a co-signer. After struggling since XX/XX/XXXX after losing my job, I finally have a steady income and have satisfied my debts with the exception of my home. I fell in default of my mortgage due to a decrease of my income and caring for my elderly parents expenses ( who share my home with me and suffer from XXXX and XXXX XXXX. As of the most recent notice from Wells on XX/XX/XXXX, my total amount due is {>= $1,000,000}. My most recent payments to Wells have been returned and I resent the payments totaling {$3300.00} on XXXX XXXX, XXXX. With my families assistance and including the above referenced payments of {$3300.00}, I am able to contribute {$7100.00} which represents over XXXX % of my total outstanding balance. Last week I finally was able to reach Wells and I received my loan modification paperwork which I am completing and faxing to Wells on or before XXXX XXXX, XXXX. Therefore, I kindly request your assistance in securing a postponement of my FCL sale set for XXXX XXXX, XXXX, while I am considered for a loan modification/repayment plan.

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 2015-05-26
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
PayPal opened up a line of credit for me without my knowledge or consent. PayPal created a hard inquiry on my XXXX credit report without my knowledge or consent, causing my credit score to decrease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is the servicer of my home mortgage. They delayed the closing of my mortgage because the bank was not aware of how to calculate interest on federal savings bonds. I have reason to believe that, due to my relative youth ( XXXX XXXX XXXX at time of purchase ) they gave me a worse interest rate than what was available to them, thereby taking advantage of my relative ignorance in the process. They promised to close the day after my receiving my closing disclosure in clear violation of TRID. Wells Fargo has also participated in fraudulent account creation which I believe affected my interest rate. This fraudulent account creation is illegal and immoral. I no longer have confidence that Wells Fargo will handle my money responsibly. I do not believe that they are acting in my best interest. Their fraudulent and illegal actions have affect the price of the service they offer. That is a violation of the mortgage agreement I signed with them. They also demanded escrow payments months after they went into the red on the account thereby hiking my mortgage payments significantly.

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 2017-02-07
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ameri-Home Mortgage failed to pay my property taxes. After months of complaining the billed was paid. Now I 'm showing a tax lien on my credit report.

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 2016-10-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I use Navy Federal Credit Union. They claim to offer fraud protection and to monitor accounts. I rarely use my debit card and pay for most things by my credit card. They have had excellent monitoring of my credit card. I was planning a trip XXXX and notified them of my travel dates. While XXXX, I kept my debit card in an XXXX blocking sleeve and used it only three times. Although my debit card was never stolen, there were somehow ATM withdrawals from my checking account outside of my travel dates. These amounts totaled to over {$4000.00} in withdrawals I did not authorize. When I contacted my bank to report the fraud, they rejected my claim. They stated that since I used the mobile application, I should have noticed the fraud earlier. The investigator, XXXX, refused to speak to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Atlantic Bay Mortgage Group is charging a {$10.00} 'processing fee '' for online payments based on the number of days it is past its due date. 
On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date-No Fee 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} The terms of my mortgage say that after the XXXX there is a late charge. So essentially they are charging me for a late charge before that. It would be different if they charged me the same {$10.00} regardless of when it was due. Since they base this payment on the due date, it effectively is calling it a late charge.

Company response to consumer: Closed with explanation