BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had a bankruptcy 3 years ago and at that time I had a loan from Wells Fargo but this loan was not included on the bankruptcy .But now when I check my credit report it is in there as part of the bankruptcy. This loan was paid off in full and never even had a late payment. I contacted Wells Fargo remove this from the credit reports but they said they could not. I do not know where to proceed next to get this off my credit report.This is impacting my credit and I need it 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 2016-08-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX I went into my auto loan website to make a payment as I normally do each month. I received a " website experiencing difficulties '' message try again later. 2 days later I tried again and the process completed. On Tuesday morning when checking my bank account I noticed 2 payments processing at the same time one after another. The duplication was obvious and since it was in the " processing " I called my bank right away - my account became overdrawn by {$600.00}. My Bank ( XXXX XXXX XXXX ) told me to contact the loan bank ( Wells Fargo ) I called them and asked them to please correct the duplication since it had not completed processing. The customer service person worked with me and got back to tell me there would be a refund within 48 hours. After Thursday and no refund I contacted them again ( Wells Fargo ) and they checked the notes and told me the refund was processing. I was in bad condition with my account with {$140.00} more in nsf fees and items returned. I had to file a claim with XXXX XXXX XXXX for the duplication and they helped me a bit by crediting back the payment. After XXXX weeks I never received the refund and when I called Wells Fargo the story changed now, they credited my second payment to XXXX XXXX - almost 2 months after the website issue. I am still struggling to get my budget back to normal but it has been hard. Now I am unable to resume making payments in the Wells Fargo site and they are blocking my bank account number from being used. When I contacted my bank ( XXXX XXXX XXXX ) to lift the hold, they stated they had no hold and Wells Fargo initiated the hold., Wells Fargo will not allow me to resume my online payments and I am being charged {$86.00} in late fees. This is more than predatory in nature, it is dishonest and bad. I do not earn that much and it has been difficult for me to try to catch up with the damage that continues. I am thankful at least my bank helped me a bit but this nightmare is not over.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed Bankruptcy several years ago but my attorney mistakenly did not reaffirm the mortgage on my home. I paid it perfectly for the last 5 years but they said they can not report it to the credit bureaus because it was not reaffirmed. I was OK with that and let it go but the bankruptcy was discharged 5 years ago and now the loan in question was paid off in XXXX of this year. They are still saying they will not report it even though it is no longer on the books. I have 5 years of great credit history on this loan and I want it reported to the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Due to several times of having both bank savings and checking accounts being hacked, Wells Fargo, without any notice, froze out both my checking and savings accounts the week beginning XXXX XXXX. They said that my account would be liquidated by XXXX XXXX and any remaining funds would be sent to me. 
Therefore, any outstanding checks I had written were not honored by Wells Fargo. Luckily there were only XXXX checks. I was able to contact the XXXX of the XXXX companies in which I had written checks. However, XXXX returned ( XXXX ) checks that were both written on XXXX/XXXX/2016. XXXX automatically charges {$30.00} service charge for both checks. 
I understand XXXX policy and do not fault them. However, I do take exception to Wells Fargo for if they had allowed any outstanding checks to clear, this would not have happened. 
Wells Fargo should return the {$60.00} back to me in addition to the money they still owe me as well as what was taken out of my savings account ( already wrote to CFPB on this in a previous complaint ). 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 monetary relief
Consumer complaint received 2016-09-11
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Issue: Transaction issue

Complaint:
i was issued a XXXX credit card for Home Projects from Wellsfargo Financial & XXXX took the card for {$35.00} for them to come out & measure for flooring but when i i picked my flooring & went to pay it was declined so i called & i was told that XXXX, XXXX XXXX were not on their list. 
i was told to go online to find home improvement stores that was on the list but i could never find it! i have never received a statement from them but i paid the {$70.00} on XXXX XXXX. by phone & now they say that i had a {$40.00} payment due on XX/XX/XXXX. i would like to be able to use the card but i don`t understand why a company as big as Lowes do not take this card!! something wrong somewhere! now they have added a late charge & i don`t know what i owe for! 
can you please give me some answers about this credit card? 
Thank You XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: WELLS FARGO & COMPANY
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Social security profile was hacked and new bank account for direct deposit for wells fargo on XX/XX/2016 payment went into which is not my bank or account wells fargo refuses to return money back so i can get my payment to correct bank account

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 2016-04-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
i have paid, my credit card monthly online, as I knew I was going on my honeymoon in XXXX I went in on the card holders site and pre schedule the last payment of {$12.00} to come out ... to my surprise when i got back from my honeymoon and check all my bills they all drafted but this XXXX ... the bill was due XXXX/XXXX/XXXX i went in and made the payment on XXXX and call and told their customer service their online system did n't draft the payment. They have now reported 30 days past due on my credit report as of XXXX ... but just sent me a new bill saying the {$12.00} is due XXXX/XXXX/XXXX ... this company billing system is completely miss leading and not functioning properly they have destroyed my credit over a {$12.00} bill that has been paid! Please assist me in getting this corrected the card holder is wells fargo, I have had the card since XXXX and never had a 30 day past due on any of my cards. I 'm a real estate agent and investor and know the importance of credit, this is going to cause all of my creditors to increase my interest rates! the company is wells fargo 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 2015-10-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
Wells Fargo is having a representative with a furniture company who is misrepresenting the terms of the finance agreement. We were told the terms were no interest for one year and after a year interest on the remaining balance. So after a year we were charged interest on the balance we had already paid. I am sure it is in the small print, but how can they have a third party define the terms when they benefit from the purchase.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: WELLS FARGO & COMPANY
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Wellsfargo bought out the prior company that managed Dillards and I was no longer getting my bills. Account was paid off during transition and then I made a purchase but never received the bill. Now they are reporting it late. A lot of my info did not transfer over from the XXXX company to WF

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Wells Fargo charged off my student loan in error two years in a row. I tried to resolve this with Wells Fargo for over a year.

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 2015-07-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have had repeated issues endeavoring to obtain a loan modification from Wells Fargo, with my having remitted the last XXXX months payments in good faith, all of which were accepted by Wells Fargo, though apparently I was denied for a loan modification. To further compound the matter, they indicated on their website relative to my actual loan that I was " pre approved '' for a loan modification. Upon calling today, I was told they knew nothing of what they inputted. Not only strange conduct, but frankly it amounts to intentional or at least negligent infliction of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04
Company: Praxis Financial Solutions, Incorporated
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
FYI, there not much of a selection for the specific issue of this misrepresented matter so therefore I went with the best possible selection by selecting there should be no response to lawsuit. 

I settled a debt XXXX/XXXX/2014. The settled in full letter provided Is not sufficient according to the credit bureaus. The credit bureaus will not acknowledge the letter due to the debt collector being a third party who is representing another third party and the letter lists the original creditor as well as the full original account number. I told the collection agency, Praxis Financial Services, the credit bureaus is not accepting their letter. PFS consistent response was we never have this issue and we send letters all the time and there is no issue having the credit bureaus being updated. I 'm having an issue an no one is wanting to help. Do not tell consumers a letter proving the debt has been resolved will suffice. Very misleading and is a violation of the fdcpa. If I am telling this business the letter is not working they should make an effort to resolve the issue such as contacting the debt purchaser, who will not answer the phone, to resolve the issue. I also tried contacting the original creditor and I ca n't get any confirmation of this debt was even place with this agency and the fact praxis is not willing to contact the bureaus or help rectify the issue is a red flag.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Stellar Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
some is using my name and social security number applying for cards in my name. I been receiving phone calls from XXXX and all around different states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: LOAN TO LEARN
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
School : XXXX UniversityLocation : XXXX, NCMy father was paying off XXXX of my Loan To Learn student loans until his passing in 2012. I have another Loan To Learn account that I pay monthly and that is still in good standing. Loan To Learn sent the loan my father had been paying into default and sold the loan to a lawyer in XXXX, NC without my knowledge. I was never made aware of this in any way until I ordered a free credit report and discovered a delinquent loan on my record. I called Loan To Learn thinking it was a mistake. It was n't. I told the customer service rep that the lawyer who Loan To Learn sold my loan to had never contacted me and I did not understand how this was legal. She said I could try sending my dad 's death certificate to the lawyer to see if he would " work with me ''. 

The customer service rep then gave me the lawyer 's contact information ( XXXX in XXXX, NC ). I called XXXX XXXX XXXX and explained my situation to the man on the phone, and then asked how much I would need to pay monthly. He laughed and replied, " Make me an offer. '' I offered to pay {$350.00} a month. He replied saying " they '' originally wanted {$500.00} a month. I asked him who " they '' were and he said XXXX. 

I said I could n't afford to pay {$500.00} a month on top of my other student loan bills, and he said to email his office my father 's death certificate to see if that would help. I obtained my father 's death certificate and emailed it to XXXX XXXX XXXX. A woman named XXXX responded to my email writing that the client declines my offer and requests {$400.00} a month, and asked if I could accept the counteroffer. I responded that I could not pay that amount each month. I then requested a written validation of the debt for my records. 

XXXX XXXX XXXX then sent me a letter saying that they will recommend that their client file suit if payment is not received within the next 30 days. The letter stated that " every legal step necessary will be exercised in order to collect this debt, including execution by the sheriff should judgement be rendered. '' They also began calling me at work. 

I replied again via email and said I could not pay {$400.00} a month, and have not heard from XXXX XXXX XXXX since then. 

I just want to pay my student loan at a reasonable monthly rate. This situation has wrecked my credit score, and I did n't even realize it was happening until I ordered a credit report. I do n't think asking for a monthly payment lower than {$400.00} is unreasonable. 

If I had never ordered a credit report and consequently reached out to Loan To Learn, I would have never known they sold my loan to XXXX XXXX XXXX. I 've made every effort to be proactive and pay my loan to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX did not change the amount owed. I was charged for XXXX services and only had XXXX. The phone was always needing service order requests that eventually never got resolved. I will pay the bill once corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: KEYCORP
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, I have many private school loans with Key bank. They are claiming I defaulted on XXXX large loans with them. They are demanding that I pay them each month, but they will not send me the loan agreement for XXXX the loans that they claimed I defaulted on. I thought that I was paying these loans through XXXX. I am so confused on how to sort this out. I do n't think I should have XXXX loans in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Assignment of Mortgage From FHA to Conventional, MIP insurance was being paid the entire time, based on loan statements, the loan was in default, however the MIP insurance was being paid. My loan Original loan amount was for {$120000.00} and has gone up to {$210000.00}. The XXXX information is wrong, the loan was sold to a private investor and serviced by different loan servicers : XXXX XXXX XXXX and then to RoundPoint Mortgage. I received a modification package and I disagree with the amounts owed.

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 2015-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
hi i had a chapter XXXX bankrupsy back in 2006 due to a divorce. i have been rebuilding my credit ever since. it has been almost XXXX years, when will this bankrupsy come of fof my credit report? i thought it was after XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: FBC MORTGAGE, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in your home for XXXX years and have an FHA Loan. I have a solid previous payment history and in XX/XX/XXXX you lost your job. Within a week of losing my job I filed for Unemployment benefits and contacted the Mortgage Company ( FBC Mortgage ) for assistance. I called and spoke to several agents, requested a loan mitigation package, and filed all the paperwork that the bank requested. And yet, when I called for a status Friday XXXX XXXX XXXX, I was informed that they have put me into foreclosure, without resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Consumer Real Estate Finance Co.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
When I had initially shopped for a mortgage, I was approved for {$100000.00}. My wife and I found a house. We negotiated a price with XXXX % sellers assist. The mortgage company told me over and over again my closing costs would be {$3800.00}. I put down {$1000.00} as my earnest deposit, which was supposed to leave a balance of {$2800.00}. Working with the title company I did not have a cost until the day of closing, I had received several different amounts. The day of closing we were given a fee. I went to the bank, got a check for the amount went to closing and was told it was wrong. I sat there and waited 3 hours for them to correct the numbers, they could not. In the end the bank had went home and we couldnt do anything. Then Monday they requested all of the funds for the mortgage to be returned to them and we had to wait an additional week to close, which again they had incorrect numbers. We also had to pay an additional {$110.00} in taxes and interest for waiting the additional time to close. In the end my closing costs ended up being {$5800.00} plus the {$1000.00} earnest deposit. The company claimed they were n't aware of certain fees that came up and that there was nothing they could do about the costs. Even though the title company has proof they sent them the fees to be included into the closing disclosure they chose to ignore those fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX year old single, XXXX woman who applied for mortgage refinacing under the HARP program from Wells Fargo. My story could be a best seller relating to all the wrongs Wells Fargo, XXXX, XXXX XXXX XXXX and XXXX XXXX do to their customers. 
Because my story is a long one full of descreprencies and discrimination aagainst me, here is my present situation. 
Wells Fargo REFUSED to both lower my interest rate which is presently at 5.6 % or lower my payment. However, they did decide to lengthen my conventional loan of 30 years to 45 years..thus lowering my payment from {$1500.00} to {$1400.00}. I would never be able to pay this loan off, but this was their best and only offer of assistance. 
I need help refinancing which is why I applied in the first place. I lost all of my money in the stock market due to fraudulant activities of the companies executives..but until it is resolved in the court system, my only income in from Social Security XXXX and a small annuity adding up to {$1600.00} per month. 
As you can see my situation is both desperate and immediate and I feel that WF is just waiting for me to miss a payment ... which will be next month if I do not get help ... .so they can foreclose on me. 
My home is up for sale but so far no takers. 
I truley and justly feel that I have been discriminated against. 
Please, I want to keep my home. I need for WF to do what the HARP program promised they would do ... lower my payment. 
Because I feel I have a just case against them, I want them to grant me a large reduction in my payment ... a reduction of {$500.00}. 
This would help me to keep my home, which is the sole purpose of the HARP program. 
I could go on to give you a list of all the wrongs that these companies have done to me in the past 10 years. It is time for them to stop and undo the damage. 
Thank you for your assistance with this most urgent problem. 
XXXX

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