BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-05
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I reach out to our servicer when we received a notice of garnishment in the XX/XX/XXXX. We ask for a temporary forbearance and to pay interest only payments until the garnishment was completed. We were immediately denied a special forbearance, and was encourage to apply for a loan modification. Since XX/XX/XXXX we had apply & denied XXXX times and requested an appeal on the last then was denied on appeal. The reason for denied make no sense. The XXXX denial was because we did not make enough income then the XXXX time we made too much. The XXXX time we was told that our expenses were within program guideline and was restated in the appeal process. At every point of communication the representative or the negotiator would encourage us to perform short sale. We did our research and ask for a Harp option and was told we do n't quality for this program. We find out later that this servicer does not participate in the harp program. We believe that the servicer along with the investor have not intention on helping us reinstate our loan. Example at every point of contact, the servicer has stated that the order to dismiss the foreclosure was sent to the lender 's attorney on XX/XX/XXXX. The lender 's attorney has denied receiving a notice at the XXXX 's hearing to dismiss the foreclosure. When we asked the attorney if he contacted ASC or the contact the negotiator with the information we filed in court records ; he stated no. We believe that the servicer agreement with the investor entitle the servicer to retain all late fees and fee require to mitigate the investor 's loss. We believe part of the fees that the servicer retains is link to the XXXX failed loan modification. If the servicer receives any compensation from the government for processing the loan modifications then it may be a conflict of interest. Base on our failed attempts, we believe the servicer and investor had misrepresented their intents and have conspired to abuse the government home retention program as well as mortgage insurance program. We ask CFPB to step and investigate first if the servicer acted in good faith and to see if they have a similar pattern with other failed loans. Time is at an essence, we go back to court this month to determine if the lender with be granted a judgment. Do to the servicer willingness to help us before we defaulted, our credit is bad and we will be unable to get a new loan. Our goal is to keep our home. Please step in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Bank violated our Constitutional Rights , Consumer Rights , Civil Rights , Economic Rights, as well as our very own Human Rights. 

We were going through financial hardship, we requested a refinance. The refinance would have solved our entire financial hardship, as we paid our loans down by making additional payments, the interest rate was low as well as the loan to value ratio was perfect. Instead, Wells Fargo Bank gave us hard time, did not apply payments as The Courts ordered Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 

Yesterday, I received an invoice from XXXX requesting a payment. Please see attached Invoice along with an e-mail from XXXX XXXX. Wells Fargo Bank is hoping to deceive us again, in paying those expenses as they have deceived us in the past, and led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed hundreds of thousands of dollars to pay for those expenses, to discover later on, that Wells Fargo Bank sold our notes to a client of a tenant in the Wells Fargo Bank Building. Also please see attached COURT ORDER directing Wells Fargo to pay the expenses and apply our monies to our promissory notes which Wells Fargo have violated and did not even apply our monies to the SBA note. 

Also please see attached supporting documents of some of the expenses paid on behalf of Wells Fargo as well as documents supporting our effort to get alternative financing, paying for title search, closing cost, etc. Whereas Wells Fargo Bank/loan servicer did not provide us with an accurate loan balances. Instead the loan servicer provided us with inflated figures that exceeded the loans by XXXX dollars without applying our credits. I have also attached a copy of some of the rent Wells Fargo admitted to collecting. Please note that there is much more rent was collected by Wells Fargo. 

Now in our XXXX, after we put all what we have earned to pay down our obligations, to secure future for our family ; Wells Fargo Bank robbed us of life itself, robbed us of everything we earned, robbed our investments and continue to robbing us of the dividends on our investments, an ongoing crime that need to be stopped, by Wells Fargo returning all our properties back to us, with free and with clear title.

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 2023-04-02
Company: Gatestone & Co. International Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX came to my home to take xrays after I was hit by a car. The nurse said she didnt feel like she could do it and called the ambulance services which I didnt authorize her to do. They assured me they would take me to the hospital for xrays and bring me back home because I dont have any family or friends or anyone who could bring me back home. Instead, when I arrived at the hospital I was dropped off and left in the emergency room for over 8 hours! I had to find my own way home. That was not the promise I was given by XXXX XXXX and both of the ambulance drivers that day. I know she felt bad leaving me in the emergency room like that knowing I couldnt even walk to the bathroom for over 8 hours but I experienced extreme pain and anxiety that day which I explained to their office on a number of times. They did not sense the urgency of what I went through or appear to care. I explained that I am a XXXX senior citizen and I cant walk. I depend solely on my scooter to get around. Without my scooter that day in the waiting room, I was begging other patients in the room to ask for help up front to take me to the bathroom. They just ignored me. When someone got close to me I would ask and she would snap at me and tell me to stop bothering her! I ended up embarrassing myself, I was mortified! My experience only escalated from worse at that point. I told their representatives everything but they didnt care about what I went through. I shouldnt have been dropped off. Because of what I went through after I was dropped off instead of them waiting to take me back home like they promised, I dont owe them anything. 

Thank you

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 2016-02-14
Company: WELLS FARGO & COMPANY
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To whom it may concern : I opened a Wells Fargo Everyday Checking in XXXX 2016 online as there are no branches near where I live and my son ( an existing Wells Fargo customer ) told me that there was a promotion that Wells Fargo was running. Given that Wells Fargo is XXXX the strongest banks in the country, I thought it was a good opportunity to open an account and start a relationship in case I needed future products like credit cards or mortgages as well. 
I subsequently received my account number, debit card and debit card PIN in the mail. I returned the required signature card after I signed it as well. 
However, there is a fraud alert on my account which I discovered after I could not sign up for online banking successfully. When I called into the fraud department on XXXX XXXX, 2016, I was not given any help that was even remotely useful. I was told that I have to go to a branch with XXXX forms of ID. I do n't live near a branch ( the closest branch is about XXXX miles away ). 
Attached are my driver 's license and passport to verify my identity. 
Finally the bottom line is that if you are n't going to be helpful and clear the fraud alert and allow me to set up online access to my account, then just close my account and return the {$50.00} that I funded the account with as soon as possible. I had such a poor experience talking to your fraud department that I have no interest in calling in to speak to anyone at Wells Fargo. Otherwise you are illegally holding my money. Also, you should stop wasting people 's time if you are going to put fraud alerts on their accounts without giving them a proper ability to clear them. Do n't bother letting people open up the accounts online then if they do n't live near a branch if that is how you are going to do your fraud alerts. That is very easy for you to set up and would have saved both you and me all this trouble. 

Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I needed an easier way to get a list of electronic Fund transfers to my bank for my staff. I spoke with Wells Fargo. They presented me with a service that would be {$400.00} to {$700.00} a month. I stated it costs too much for the benefit. The following year I found that wells increased my monthly service charged and I contacted my business service person and he gave me his assistant ... ... months went by and I would have to initiate the conversation every month or so and finally said I was going to get an attorney involved. In the end thye stated I gave them verbal permission on XXXX XXXX ... when I asked for proof because I highly doubted they did not provide ... my business agent said he credited the account but t but I am not sure how much we really lost. I have received multiple credit cards for the account also. I still have in my possession. Another issue is I scan in desposits and I would receive letters months later saying there was an error and they took the money out of my acct to correct. However I have a staff member add it up and I input the bank system accepts only if it adds up so I am not sure how the mistake would take place ... 

I hope this helps others to come forward ... .These issue seemed intentional that is why I am posting.

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 2015-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My parents have XXXX certificate shares accounts managed by Wells Fargo ; XXXX account is a single account in my deceased father 's name and the other is a joint tenant account. I am currently the Power of Attorney over the joint accounts and I am trying to move the accounts into the family trust. My mother is very sick and we need to access the money to pay for caretakers. Wells Fargo is refusing to issue the medallion stamp required to make changes as we do n't have an account with them. They sent me to my bank, XXXX XXXX XXXX. They no longer issue medallion stamps. Their affiliate, XXXX XXXX, will not issue a medallion stamp as I do n't have an account with them and would need to have an account for 6 months. I called Wells Fargo again today and was told the medallion stamp is necessary so they " wo n't have to deal with the extra paperwork and I would just have to comply with the other agencies requests/guidlines. '' I explained my mother is very sick and I feel she is being denied access to her money so she can pay for the care she needs. She will be dead by the time six months is here and then the accounts will go into probate costing the family even more money. I was advised to keep making phone calls and find someone. They are not flexible. We are being denied access to our own money.

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: DISCOVER BANK
State: CA
Product: Credit card
Issue: Other

Complaint:
I XXXX DISPUTED AN ACCOUNT WITH DISCOVER THAT WAS ON MY CREDIT REPORT. I FIRST LEARNED ABOUT THE MATTER WHEN I RECEIVED A LETTER FROM AN ATTORNEY 'S OFFICE THREATENING ME WITH A LAWSUIT XXXX ATTORNEY IN XXXX, WA. THEY CLAIMED I OWNED {$7200.00}. I SENT OUT A GOOD FAITH LETTER ( ATTACHED YOU WILL FIND ONE OF THE MANY LETTERS I SENT OUT ) ASKING THEM THAT I AM DISPUTING THE MATTER AND CONTINUOUSLY RECEIVED NONSENSE INFORMATION NOTHING BARING MY SIGNATURE OR INDICATING ON MY CREDIT THE MATTER IS IN DISPUTE INWITH IN THE 30 DAY MARK OF RECIEPT OF MY LETTER. I HAVE MAILED OUT FOLLOW UP LETTERS IN GOOD FAITH INDICATING I HAVE NOT RECEIVED ANY INFORMATION BEARING MY SIGNATURE ON AN AGREEMENT WITH DISCOVER CARD. THEY HAVE VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND PER FDCPA SECTION 807 FALSE AND MISLEADING REPRESENTATION ( 15 USC 1962e ) I HAVE ASKED THEM NUMEROUS TIMES TO SUMBIT THE INFORMATION OF PEOPLE WHO CLAIM THEY HAVE VERIFIED MY ACCOUNT WITHOUT SENDING ANY PROOF OF BEARING SIGNATURE. THEY ARE CONTINUOUSLY HARASSING ME WITH LEGAL ACTION. PLEASE HELP ME RESOLVE THIS MATTER THEY HAVE VIOLATED THE LAW BY NOT REPORTING ACCURATELY THE ACCOUNT AS DISPUTED WHEN THE FIRST LETTER WAS RECEIVED AS A FORMAL DISPUTE AND HAVE NOT PROVIDED ANY PROOF OF SIGNATURE OF MY AGREEMENT WITH DISCOVER CARD. PLEASE HELP ME I AM SEEKING THEY OMIT THIS BAD DEBT OFF THEIR RECORDS AND OFF MY CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
when i went to refinance my home, I was told that Discover placed a judgement on the title for credit card debt that i did not incur. my husband who i have been legally separated from for 3-4 years did have a Discover card that is delinquent. 
my ex will file a separate complaint as he says Discover never notified him of any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with my mortgage lender for months on a short sale. We have a buyer and supplied all needed documents to our mortgage company. They have not postponed the pending foreclosure date set for XXXX XXXX. My family is very concerned as we are trying to do the right thing. Please assist us in requesting Ocwen to postpone the sheriff sale to allow us to continue our short sale process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have hard inquiries that was made with out my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-01-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unsuccessful multiple attempts to lift a freeze with Experian using telephonic or website approach. There appears to be no " live '' personnel to answer the phone or lend a hand. I need to lift the freeze for an opportunity to obtain an FHA mortgage product. All of the requested identifiers were presented by either phone or internet. Experian refuses to lift the freeze on my credit and insists on a written request and mail delivery of neat copies of various cards and documents including social security card etc. This is unreasonable and interferes with my proceeding with a financial opportunity and can cause monetary damage to me.

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 2015-07-25
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I am being sued by Discover Financial Services in the state of XXXX. The debt I created with Discover Financial Services was created in the state of XXXX. I did not sign for the debt in the state of XXXX. Why am I being sued in the state of XXXX? 

Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for Discover, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that discover performed concerning my previous CFPB complaint. She stated that XXXX XXXX group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by XXXX XXXX XXXX. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of XXXX. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the XXXX XXXX XXXX stated to XXXX that I declined another offer of a XXXX year repayment plan. The law group never made an offer of a XXXX year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at XXXX XXXX XXXX, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. 

I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2015 stating that they have verified my debt with Discover and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. 

I have made two attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and XXXX XXXX XXXX does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls through the day ( XXXX to XXXX ) and they do not leave a message. After they call once, they call a XXXX time right after from a different number. 

Each time, they do not leave a message, but I looked up their number and found their information. By law, they are required to tell me about the debt and what they want from me. 

The company is Hoosier Accounts Collection Agency, XXXX, NE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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:
Ive sent a copy of an FTC report to XXXX and transunion and they REFUSED TO remove the inquires. I did not authorize the following companies to pull my credit. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-06-27
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I 've been a customer for 2 years with the company, never had a complaint until today. I just finished talking with the executive office because an inquiry that I did this weekend about a credit card application that I submitted last week. That application was denied, and I call just to know why. I do work in banking as well, and I do care about my credit, because since I 'm not a millionaire I depend on it for anything. I 'm currently working and XXXX both since I need to progress myself. 

Well, the main reason I 'm writing to you today is because I think there is something that Discover should consider in changing or adjusting or do something. When I was doing my application on the second tab ( please see attachment ) It says clearly that if you work and study, 'you select student '. That was basically the key to the point in this complaint. As per your company ' policies students are only allowed to have XXXX account, and nonstudents XXXX, but going back when you apply and you 're doing both you must choose 'Student '. 

Basically, what I did was a waste of my time and a hole on my credit bureau, because the policies of Discover discriminate students. And plus that, I 'm not only a XXXX, I 'm doing both, which should be considered all the way around. I have called several times to the executive office, they just do not care, and there is no way to go futher and let the real executives the dedication of this problem. 

Well, my humble advice, a bank which a lot of his customer base are students, should not treat students so lightly, so XXXX, explain better in the application tab ( if doing both, instead of choosing 'student ', chose 'working ' ).

Company response to consumer: Closed with explanation