BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
An OCC complaint is being filed on behalf of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX, NY. This complaint describes the unnecessary denial, the duplicity shown in negotiating the file, and how getting answers that should be disclosed immediately under federal law became a trial in and of itself, comparable in despair-inducing frustration. 
As Wells Fargo and its underwriters ' has seen fit to deny XXXX XXXX ' loan modification, by simply stating the loan was denied due to not providing valid documents. We have complied with this back and forth for some time, since XX/XX/XXXX immediately supplying documents as requested. Please note, XXXX XXXX attempted numerous modifications on his own, with the result of countless denials, DUE TO LACK OF DOCUMENTS, and no specific clarity to why they are requesting such documents. Ie : social security numbers for each tenant or photo ID for each tenant and countless bank statements or proof of address for each tenant. Explain this ridiculous and unprecedented RECENT denial. 
The Law Office of XXXX XXXX has made countless phone calls requesting updates on the modification review and was advised that more and more documents were needed. Not to mention, the last few mediation meetings resulted with Wells Fargo 's attorney remaining clueless on the fact that the loan was currently under review with Underwriters. We not only have to call and confirm that everyone is on the same page, but with each mediation visit, we feel compelled to supply proof that documents are being submitted to Wells Fargo. This is clearly a waste of everybody 's time. All throughout this time, the assigned everyone failed to communicate clearly about the underwriting and review process, including, XXXX XXXX, who had no clue of the process and XXXX XXXX, whom we never get a chance to talk to since the loan was assigned to her. Since then, I have escalated the file to the Executive Manager Department, currently speaking to XXXX XXXX, ext. XXXX. She too has no luck in finding the accurate answers to why the loan was denied for a modification. XXXX confirmed leaving messages for the Underwriter and one of the Managers- but to no avail. 
This denial comes with the unprecedented swiftness, and it is the belief that XXXX XXXX and his attorney representatives that is was handed down in haste, without due consideration, and without argument there was nothing in the way of explanation as to why Wells Fargo is forcing XXXX XXXX into a position where she will lose is home. This has been going on for five years now. All XXXX XXXX wants to do is go back to making mortgage payments to Wells Fargo with an affordable modified monthly amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. XXXXdept of ed # 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
a lot of information is invalid on my credit report. I am interested in disputing all incorrect information with transunion to help my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Yes early this morning got a call from my mom telling me that i had a XXXX out for my arrest. So she gave me the number XXXX and i proceeded to call. I talk to a representative to see if i could resolve my status in my debt she told me i owed {$750.00} and they said they needed me to pay {$250.00} right now to get my account back to active for my payments and i told her i could n't pay {$250.00} now. I could pay them {$50.00} a week since i get paid e very week so she told me no. And said that if i needed to get a lawyer because they are taking me to court. So i just called XXXX minutes ago. And i talked to a person of XXXX XXXX and i told him how they was threatening my mom about me having a warrant and i could only pay {$50.00} week when they wanted me to pay {$250.00}. So he said well could you pay {$75.00} a week i told him no i could do {$50.00} a week. So he transferred me to a lady name XXXX XXXX and i proceed to tell her the exact same thing as i told XXXX and XXXX XXXX asked me could i do {$100.00} and i told her no because i only get {$100.00} a week on my paycheck so XXXX XXXX proceeds to mock me saying where do i work i told her XXXX XXXX XXXX she said well it says right here u get paid {$10.00} a hr and i told her i been there XXXX years and i do n't get paid that much. So then XXXX XXXX proceeds to ask me do you stay with your mom do you have XXXX etc. and i told her i can only pay them {$50.00}. a week. She pauses and says XXXX XXXX lets get this clear how do you live off of {$100.00} a week and i told her XXXX is good. Then she says if we ca n't take the {$50.00} a week we need the {$100.00} and if we do that that 's gon na be all your money. So i said so you 'll cant help me out she said no. and i said ok and bye and hung up the phone. I do n't like how she tried to make a mock of me about my finances. The only thing i was trying to do was too make a payment with them.

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 2015-08-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage 27 months ago because my husband was XXXX. The medical bills and the fact that he could n't work ( we had a XXXX ) left me unable to make mortgage payments during that time. The business was losing money each month and the medical bills were overwhelming. In XXXX XXXX my husband finally passed away from his XXXX. In XXXX XXXX I closed our business. I then approached my mortgage company ASC and explained the situation to them. I advised them that my financial hardship had ended with the passing of my husband and closing of our business. I have a steady income and I would like the opportunity to save my home. The only response I have received from ASC was that " my payment is affordable '' and they can not help me. My attorney called and spoke with them asking why I was denied for a regular modification. They replied it was due to my NPV and that my payment is affordable. Neither of which pertain to my hardship and situation. I tried to explain to them that my hardship was not an un-affordable payment. It was XXXX. I am not asking for any payment reductions. I only request to be considered for a Regular Re-Capitalization modification that will bring my loan current. I am fine with the payment increasing and I understand my balance will increase after the modification due to the missed payments. I have since hired an attorney to re-submit my paperwork for me and they state I qualify for a Regular Modification. I have run my NPV and it is Positive and so the denial reason of negative NPV ( for a standard modification ) is not a true statement. ASC has filed a Notice of Sale on XXXX XXXX, XXXX with a sale date of XXXX XXXX, XXXX. They did this after filing a Notice of Default from two years ago on XXXX XXXX, XXXX. I am not sure this is even legal in my state to issue a notice of sale two years after a Notice of Default. I am asking that they simply give me time to have my updated financials reviewed for a regular modification before moving forward with my sale date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to get Wells Fargo for about 6 years to fix a credit bad report mark on my credit report from XXXX. They have continually used stall tactics and discounted the information that has been provided to them that proves that MY PAYMENT was made ON TIME actually EARY and in GOOD FAITH from XXXX/XXXX/XXXX. They have never given me a reason why they returned the payment to my bank account without MY Knowledge. However in Early XXXX an employee of theirs XXXX XXXX who no longer is employed there told me by phone that she had traced the payment to ESCROW but at that time could not tell me where it went from there. It was not until much later and on research of my statements that the returned payment was found in my bank account. Again without my knowledge. I would have immediately returned the " Payment directly back to Wells at that time but Wells would not remove all the penalties interest and fees that had accumulated and the payment would have been taken first to provide for the fee coverage 's NOT applied to my Mortgage. I did finally however repay the missing payment along with " some of the fees in XXXX XXXX in order to have my credit to show current on my mortgage at that specific time as I was instructed to do. They have continually refused to clear the bad remark on my credit and clear past late fees and penalties from my mortgage account. This has caused me great financial harm. 
I have continued trying in many ways to get this issue resolved so that 1. my credit can be completely 100 % restored 2. That I be made whole since none of this was of my doing including all penalties and fees cleared. 
3. my payment had been made on time ( actually days ahead of the due date ) and in good faith. 
4. my refinance can occur to a lower interest rate including some equity disbursement which has been my ultimate goal. 

I first filed a complaint with CFPB in XXXX all complaints listed on my account are concerning this Wells Fargo Issue. XXXX has provided everything they can from their end that shows this payment INFACT was made in a Electronic Batch Transaction straight from XXXX to Wells Fargo on XXXX/XXXX/XXXX. I have sent Wells Fargo everything from XXXX however I received a call two days ago stating that Wells Fargo will not accept the information provided BY XXXX. Please Help Me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
I was charged XXXX ovedaft fees by Wells Fargo, XXXX for my checking and XXXX for my savings. I do not understand the overdraft fee from my savings. I had transferred {$25.00} from savings into checking leaving only a balance of {$1.00} in savings. When checking became overdrawn from a payment clearing that I had meant to cancel ( knowing there would be insufficient funds ), the {$1.00} was automatically transferred into checking. Subsequently I was charged for the {$25.00} previous transfer because supposedly the checking account was overdrawn. However the balance still remained XXXX so it was not overdrawn. And I was charged {$35.00} to my savings leaving me then overdrawn. This is my only time with insufficient funds and funds were immediately deposited later that day into my checking to bring it to a positive balance. It is unfair to be charged ultimately twice for basically XXXX item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-24
Company: SECURITY FINANCE CORP
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Zia Finance XXXX XXXX New Mexico, with relentlessly harass you if you are ever late or if you default on your payments. 

They will call your employer and they will come to your house to harass you. This is a very sketchy company. They are a predatory loan company. They will continue to harass you even after they have reported to credit agencies.

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 2015-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To whom it may concern, XXXX recent credit inquiries showed up on my Equifax credit report. Called the creditor, they said they did not pull my credit. Disputed online on Equifax, Finished in one day and stated nothing can be done because they are " factual record of file access ''. Called Equifax, refused to provide any proof of the inquiry except the creditor 's name which I knew already. 
Told Equifax that the creditor 's stated that they did not pull my credit and Equifax should investigate again. Nothing was done and Equifax insisted that the creditor needs to contact them over business line only in order to get this removed. I then mentioned the Fair credit reporting act that if the creditor does not provide information, it will be Equifax 's responsibility to get in contact with the creditor and If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Got no comment from the agent and still insisted that this is a legal issue and they ca n't say anything about, and insist to ask the creditor to call Equifax to get this removed. 
Refused to give me further help expect keep insisting to ask the creditor to call them over their business line which they refused to give me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: AES/PHEAA
State: NC
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:
I have the following issues with AES, the servicer of the student loans : 1 ) AES failed to provide information about how I, as the co-signer, could be removed from the loan and when questioned, I was told that I no longer qualified because the primary borrower had failed to meet the requirement of making XXXX on-time payments due a hardship forbearance he received. I was not told if I was barred for the life of the loan or if there was a reset period. 2 ) Also, AES failed to provide the information about how the account could be rehabilitated and negative reporting removed. They were not able to provide me with a contact that could provide this information. I was told to call the lender, National Collegiate Trust, who then told me these decisions were made by AES. 3 ) In addition, despite me filing fraud claim with AES against the primary borrower regarding these loans, AES reported a 30-day delinquency on my credit report. 4 ) Finally, the delinquent account was turned over to a collection agency by AES, but I never received any written correspondence from the collection agency prior to the delinquency being reported to the credit bureau because the collection agency was given an outdated address. My account is set for me to receive paper correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card
Issue: Rewards

Complaint:
I have applied for Wells Fargo XXXX and I was told by a rep, that each point I earn on the card I would be able to redeem for XXXX cents per point. When I log in into my account I see only redemption for XXXX cents. i called numerous times about it, but every time I 'm told bank is looking into it and they have created case # XXXX. No other updates at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2016 I called my mortgage servicer to arrange for a payment after my grace period but before my thirty days. This is the first time I was not able to make my payment on the due date in the life of my loan. We arranged for a payment on the XXXX which I made online. They acknowledged the payment and so I moved on thinking it was taken care of. On XXXX XXXX I received an email stating my payment had not been received due to insufficient funds. When I went back to see what had happened I discovered the online transfer from my credit union to Wells Fargo had pulled from savings instead of checking which was were the funds were. I was able to make XXXX payments in XXXX but am now struggling to get out from behind the eight ball each month. I had also had been approved for a refinance with XXXX which will clear all my debt and make it possible to stay current with my mortgage from here on. However, the inadvertent late payment was reported to the credit bureaus and resulted in my refinance being cancelled. XXXX stated they would reinstate the loan file if I could get Wells Fargo to provide a letter stating they would reverse the report to the credit bureaus. I followed the steps which Wells Fargo gave me to write in to request a reversal of the late payment report and faxed all of my documentation to them on the XXXX. I spoke with their review department today ( XXXX ) and they confirmed they had received the documentation and would have answer back to me next week. However, I was told that unless they found that an error had been made by Wells Fargo it would likely be denied. 
The ripple effect of that decision would result in me having to sell my home to save further damage to my credit with no guarantees I will be able to qualify for a loan to get into a new home. 
I am writing to see if there is n't a rule, policy, or precedent which would allow Wells Fargo to reverse the report for late payment and keep this from cascading further. 
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 2016-12-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo repeatedly calls me at random hours of the day XXXX times from XXXX different numbers. All from different area codes. Now since I refuse to answer they are calling my girlfriend 's phone number is n't easy.

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 2016-08-26
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a re-finance through the HARP program with my current mortgage company, Well 's Fargo. I have been with this company for years and have never been late on my mortgage payments except during XXXX XXXX. When I applied, I was told that I qualified for the HARP program. I then received a letter from Wells Fargo telling me that my loan application was approved. Afterwards, I received a phone call from a Title Search Company that apparently does research for Wells Fargo who told me that my loan was not going to be approved because my second mortgage was with a company that Wells Fargo does not approve of. Initially, I was told that XXXX was an approved lender for my XXXX mortgage. The bottom line is that I am being denied to loan at a better interest rate ( 3.25 % ) which would save me {$100.00} each month and shave off XXXX year of my current mortgage. I am being denied this opportunity not because of my credit, but because they do not approve of the company that holds the XXXX mortgage lean on my property. The XXXX loan originated with XXXX XXXX XXXX, was sold to XXXX, and then XXXX was purchased by XXXX. I had no control over the selling and buying of my XXXX mortgage. How can I be disqualified from taking advantage of the HARP program due to this? Is this actually a valid excuse for my mortgage company to deny me the chance to save money? Is this a loop hole that they use to keep honest, hard working bill paying citizens at a higher mortgage rate?

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 2016-10-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
After recently refinancing with Wells Fargo for our mortgage, my wife and I were issued credit cards that we did not authorize or were ever made knowledgeable of. The only reason we discovered this was when the cards were mailed to us.

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