BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were approved for a modification from Wells Fargo in XXXX of XXXX. IRS started to garnish our wages again and then placed a tax lien on the house 4 months after receiving the modification approval from Wells Fargo. We became behind again on our bills. We contacted Wells Fargo to see if we could make arrangements to bring the account current. I inquired about the modification and the XXXX for Wells Fargo stated we did not have a modification on file and to submit an application for modification. We submitted the documentation for consideration. We went through the process and later they stated we could not receive a modification because we had to wait 2 years under the program guidelines since we received a modification. They later sent us the documents from the XXXX modification ( attached ) stating we need to sign them and mail them back. 

We reached out to an attorney 's office for assistance and they could not locate the modification/documentation filed with XXXX XXXX. The attorney 's office contacted them about the issue. Each time Wells Fargo stated something different. We submitted numerous modification request applications for them to consider and attended the mediation at XXXX XXXX court house. No luck. We filed Bankruptcy XXXX ( XX/XX/XXXX ) to stop them from foreclosing on our house on XX/XX/XXXX. We went through several different processes they claim we had to do in order to receive a modification again. We went through the process and provided the documentation. They also requested we sign the XX/XX/XXXX documents to file the old modification in order to consider our new request for medication/application. We did it numerous times and after the 2 year period to be considered again. They still claim nothing has change regarding our circumstance and they can not approve a modification for us. 

We reached out to them again in XXXX to consider a modification or to see if they had other options to keep the house ( add balance to loan, etc. ). They said we could complete some forms ( Mortgage Assistance Application, XXXX XXXX, etc. ) and submit them for consideration. We submitted the forms to Wells Fargo on XX/XX/XXXX and no word from them regarding the modification. However, we received a letter from their attorney notifying us that they plan to sale our house on XX/XX/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 2016-08-29
Company: Integrated Recovery Services
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has called me numerous times for someone that I do n't have contact with. I 've asked them repeatly to erase my phone number from the files & they have yet to do so. I 've left messages saying that I was n't the debtor & ive called the company & was harrassed and hung up on. Please make them stop calling my phone during work hours!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I am a senior citizen who has my accounts with Wells Fargo. XX/XX/XXXX I was attacked and had a severe head injury. I was told by Wells Fargo that CD 's were good and I opened multiple ones with them. With memory failure I believe I lost a XXXX CD in the shuffling of the Wells paper work. 
I do know that XX/XX/XXXX I received a plain envelope from Wells Fargo at my p.o. box. I almost fainted upon opening it as it said it closed " my CD due to the Patriot Act ''. Wells knew I had been a customer for years and I was born in the USA along with my parents, grandparents. Wells did this because the interest rate was 2.0 on my CD and the rate when they closed it was .25 or lower. They did this so they could save about {$240.00} in interest ... .. or more .... I wrote XXXX XXXX and he did nothing. 
This I can recall. I am still concerned that I could have lost {$15000.00} because of the shuffling of Wells paper work and at the time I did these CD I was receiving intense care for my injuries. 

Thank-you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear XXXX, I have been under review for a loan modification with Wells Fargo since XX/XX/XXXX and have sent in all requested documents. In XX/XX/XXXX I sent in by fax and mail ( what I always do ) what i thought was the last set of documents, received a letter stating they received them. A couple weeks later they sent another letter stating that documents are supposedly missing and asked if I 's still like to be under review. I asked them by phone and fax to let me know which documents were missing and they never did. I also stated that I would like to still be under review. Next thing I know they have assigned another person to my review and have started the process all over again disregarding all documents I sent in previously. They said my previous review has been kicked out of the system. I have copies of everything I sent in by fax and email and this does n't make any sense. I would like them to continue where we left off on the XXXX review and for them to let me know what was missing because they are not telling the truth. I am qualified for a loan modification or forbearance and for some reason they do n't want to approve XXXX and it has to do with an investor behind my subprime loan with a 10 year interest only ARM that a mortgage broker and Wells Fargo we trusted got us into. We had a large down payment and very high credit scores and there was no need for a subprime loan with an 10 year interest only ARM. My loan has not moved since XX/XX/XXXX. It has actually increased in amount and now due to the ARM and the payments increasing a year and half ago significantly, I owe about {$31000.00} more on the mortgage. I was not told the truth in the beginning and now they continue this way. Please help with the resolution of a loan modification or forbearance. Please. I paid my payments fine from XXXX with no problems. Then the mortgage went up almost {$700.00}. 
Thank you so much for whatever you can do to help me. 
XXXX XXXX ( XXXX ) XXXXXXXXLoan # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY third dispute there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -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

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 2016-02-05
Company: WELLS FARGO & COMPANY
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo is reporting my auto loan payment 30 days late when it was n't. The payment was 28 days late and I have the receipt from Wells Fargo that they sent to me proving it. Wells Fargo admitted on the phone that is was a mistake and it 'd be removed from XXXX that day. That was THREE days ago and it 's still on there and today they reported the same to XXXX XXXX. It dropped my FICO XXXX points! I was scheduled to sign a mortgage application today at XXXX but it ca n't happen now, causing me to lose the contract on the house I 've been waiting for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job on XX/XX/XXXX, I contacted Wells Fargo and requested a loan modification, it was denied. I was re hired by my prior employer XX/XX/XXXX and requested to Wells Fargo to give me a home modification ; I also begin to do regular payments, I am an XXXX at the XXXX. Members of the XXXX are protected for foreclosure, however Wells Fargo does not recognized my military status and my good intentions to pay my mortgage. I have submitted all the documentations to XXXX XXXX XXXX a home preservation specialist, he however had stated that he have not received them. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Housing Officer ) had contacted them, nevertheless Wells Fargo promise to help and then fail to their promise. The office of family support from the XXXX contacted Wells Fargo, however Wells Fargo was unwilling to help. My home suffered major foundation damage from the flood, in addition appliances were destroyed. I have been paying for all this. FEMA came to my house and witness the damages, I am currently submitting estimates for some of the damages that I have not been able to cover. Wells Fargo had affected my credit ( I am unable to take a loan ), they had affected my mental health ( I am under emotional treatment due to their harassment ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got a call from USAA on XX/XX/23 about my account and they are still holding me liable for fraudulent mobile deposits on my account. They are taking my money and basically feel like they are trying to still put the blame on me. How am I suppose to know how security works? if someone was able to obtain account information or able to hack my account. from my debt card why am I still being held liable. They sent me a letter saying their was no fraudulent activity but still turn around and hold me accountable for this. I have already lost XXXX from them taking money from the withdraws that were made. They made me negative XXXX plus the extra XXXX that they are stealing from me. I don't feel safe talking to this bank no more and iv been a customer for over XXXX years. Why would I self sabotage my own bank account? I work XXXX jobs and I am extremely busy I make my own money. I don't need this extra baggage on me. Down below is a letter attached claiming they said their was no fraudulent activity so it made me assume they are fixing my account, but they called me and feels like they aren't gon na do anything about it and still hold me liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Windham Professionals, Inc.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
in 2000 I was approached by student loan officials at the University XXXX at XXXX Maryland where my son was attending at that time. I was was told this was a " parent plus loan '' that it was for the student in their name but that the parents were simply cosigners. that was the exact terms used. now these NASTY collection companies are calling me and sending these nasty letters to me. the original loan was for something like {$3500.00} now this collection is sending threatening letters to me telling me they will garnishment my wages for the now amount of {$7500.00}. this was NEVER understood to be my loan. 
I have not talked to my son in over 7 years and I do not even know where he lives or works..

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 2016-06-20
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan
Issue: Can't contact lender

Complaint:
I am very disillusioned with the United States Credit Reporting system. Exorbitant medical billing causes financial burdens and can be used to ruin peoples credit numbers. 

This puts retired people like myself to resort to payday lending companies that charge 300 % interest and will not listen to reason like reducing the interest to 50 % .. 

Then they use tactics to make things worse. 

CashNetUSA original company. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Currently I have been reported to XXXX and XXXX XXXX since XX/XX/XXXX. Due to identity thief while i was in XXXX many fraud activities happened to me. Such as someone used my checks to make deposits and withdrawl and those checks happnens to be a bad check and i was charged for the all the returns. When i came back from XXXX XX/XX/XXXX, i tried to solve the issue with the bank many times and everytime i call them all i hear is wait 24-48 hours or they transfer the call to some random voicemail box where i can not even leave message. Time has passed and it has been 4 years now, and this problem is still not solved.Wells fargo, XXXX XXXX XXXX, XXXX are the banks im having issue with and i try to reach out to them and its very hard to get hold of them an this needs to be disputed asap

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 2016-07-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I used my Wells Fargo credit card to purchase XXXX XXXX ticket. On the Tuesday of my flight, XXXX XXXX cancelled the flight without reason. I had to buy an XXXX XXXX XXXX way ticket for {$580.00}. I was very annoyed and XXXX promised to send me XXXX miles to make up for the inconvenience. But they never did. So i filed a dispute through my credit card company. 6 weeks later, Wells Fargo initially told me XXXX acknowledged their wrong and that they ( XXXX ) had promised to issue me air miles. They promised to check my account in 2 weeks and if XXXX did not keep to their word, they ( Wells Fargo ) would issue a refund. called a month later and was told the case was closed but Wells Fargo would happily open the case again.2 weeks later, Wells Fargo sent me a letter stating that XXXX said flight was never cancelled. Case closed. This is the most unbelievable act of laziness, inconsistence and lack of investigation I 've ever witnessed.

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 2016-06-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
As a single mom in need of a reliable vehicle, I purchased a car and received a loan with a high interest rate through Wells Fargo Dealer Services. At the time, I did not know to shop around for loans with lower interest rates. In spite of being taken advantage of, I made every payment on time. I had NO late or missed payments. Currently, I am able to pay the loan off, but they will not process my payment over the phone due to the amount being over {$4900.00}, and they will not process a payment online for an amount above {$800.00}. My only options are to wire the money, for which I will be charged or to mail the payment and allow the interest to accrue for everyday that the check takes to arrive and be processed. While this may be a small amount, for a woman with children depending on her and who was taken advantage of, but still held up her end of the bargain it is an injustice. Wells Fargo Dealer Services seem determined to extract every last cent that they possible can. They have made it costly to get out of this debt.

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 2015-08-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I secured a mortgage in XX/XX/XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XX/XX/XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XX/XX/XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was Americas Servicing Company that claimed to be an injured party on all XXXX credit bureaus starting in XX/XX/XXXX. I have never signed any contract or owe any money to Americas Servicing Company. In XXXX XXXX, XXXX removed Americas Servicing Company from my credit report. XXXX and XXXX refused to remove Americas Servicing Company from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by Americas Servicing Company under fraudulent circumstances. I want them removed from all my Credit Reports immediately. Americas Servicing Company is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even Americas Servicing Company. Please help me resolve this matter as soon as possible

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive reached out to all 3 bureaus going over my rights that have been violated numerous times I also have disputed several of the items on my credit report as incorrect some of them over 7yrs experian that just need to be deleted moving forward hopefully for the ones that dont please keep in mind how important credit is for people I will list accounts in fraud case I also sent it by mail to each not all bureaus have the same accounts 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 Experian : 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

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 2023-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act conversion accounts : 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 15USC 1681 Section 602a states " I have the rights to privacy '', 15USC 1681 Section 604a Section 2, also states " a consumer reporting agency can not furnish your account without my written instructions.

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 2016-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Yesterday afternoon, XXXX XXXX, 2016, a woman appeared at my condominium building. Stating that she is with Wells Fargo, she asked the community security guard, XXXX, to phone me. She wanted to meet with me. 

I was not available. XXXX sent me an email message indicating Wells Fargo had left an envelope for me at the building front dsk. 

In this complaint, am providing the Consumer Finance Bureau with acopy of the letter, and envelope left yesterday by the " mysterious and supposed '' Wells Fargo representative, as well information from a consumer complaint website which identifies this phone number as engaged in fraudulent activity. I refuse to contact the phone number. Security Guard XXXX said the woman gave her name, but FAILED to leave a business card. Wells Fargo is not referenced in the letter, nor is the Wells Fargo letterhead or company emblem displayed. Furthermore, a mailing address for written correspondence is not provided. 

Wells Fargo has denied my qualified written RESPA request, refusing to answer even one RESPA question. 

I demand that the foreclosure, scheduled for XXXX XXXX, be blocked. They refuse to disclose who owns my loan, as wells as other loan audit inquiries.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian, Please see attached - there's many Personal Information items wrong on my credit report- please fix.

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