BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my income because I got XXXX, so I applied with Wells Fargo for a loan modification, they denied it the reason I could afford it ; they said my income is high. At that time I had to go to the hospital so my income went down, they said so long I have change in income I could apply again, so I did it, they denied it again the reason the same as before, which is not true, without any other explanation, I believe the real reason of the deny is the house mortgage is much less than the market value of the house, they will be in better situation if they foreclosure Loan No. 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 2021-05-23
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is specifically related to the required flood insurance for my property, In summary, my Flood insurance premium is {$2700.00}. As you examine my escrow account you will see that Truist has paid {$12000.00} through multiple payments for flood insurance. These payments began on XX/XX/2021, and concluded on XX/XX/2021. 

Across this same timeframe, you will see multiple Flood Insurance refunds in the escrow account totaling {$7100.00}. 

I am certain you will appreciate the difficulty all this has caused me, not to mention the inordinate amount of my own personal time consumed. 

Still, after all this, my flood insurance remains overpaid by {$2700.00}.

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 2016-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
At last Wells Fargo is willing to help me with modification but back XX/XX/XXXX my father in law co-signed for us because my husband lost his job. He moved in with us for awhile to help buy food. I went a filed a quit claim deed at city hall to take him off the financial part of the modification because he does not live with us anymore but is still on the mortgage. I just talked to the underwriter and they said they could not use the quit claim deed because they can not find the original application from XX/XX/XXXX for my father in law. They do n't want to lower my mortgage that is why they do n't want to use the quit claim deed my father in law in XX/XX/XXXX but they want to use his pension and social security. I never heard a mortgage company losing an application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i started the dispute process back in XXXX and have not heard anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX who is XXXX. I currently own a XXXX home with my sister who works with me. We purchased this house XX/XX/XXXX and had a mortgage with XXXX who sold it to Wells Fargo. XX/XX/XXXX I was taking care of my mother who was XXXX and had XXXX. She became worst XX/XX/XXXX and was XXXX. While visiting her in the hospital I fell and XXXX was out of work for several weeks. My mother then passed away XX/XX/XXXX. The day before her funeral my sister had a XXXX which put our XXXX back further. XX/XX/XXXX we were tring to recover but my sister had XXXX and was again out of the office. 
I have submitted all this documentation to Wells Fargo including our business info and they denied our modification saying my income was XXXX a month when I only claimed XXXX per month on my taxes. In addition they are giving us only 30 days to pay our back payments. I have repeatedly called them to find out what is the amount we need to reinstate the mortage. 10 days have already passed and I still have no ans. This is unfair to us because we can not respond until we have this information. I have spent hours getting out information to them and they have delayed in providing information 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
Consumer complaint received 2021-05-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have received multiple letters from Navient inviting me to refinance my federal student loans. Navient was also the servicer for my federal student loans. For a number of reasons, I find it disturbing that the company assigned by the Department of Education to service my loans is steering borrowers into its own private refinancing : ( 1 ) Borrowers may be deceived into thinking that refinancing is part of the federal student loan program ; ( 2 ) The potential consequences of refinancing are not adequately disclosed ( including loss of income-based repayment and forgiveness options ) ; ( 3 ) Navient 's practice of steering federal loan borrowers to its private loan product strongly suggests a conflict of interest ; and ( 4 ) This conflict of interest may result in significant costs for borrowers and taxpayers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX Transunion is reporting inaccurate information on accounts. This practice hinders my Transunion fico score ore from moving. XXXX has a score of XXXX and Transumion has a score XXXX this is inaccurate and fraudulent because the same accounts on XXXX is on Transunion so why isn't Transunion updating. This is personally effecting my financial opportunity to be considered for future financial help. This practice must stop as it permanently damages my character and its discriminatory

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 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting incorrect information on my credit report i have never had an XXXX XXXX credit card they must have mistaken me for another person

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 2021-05-23
Company: Blockchain.com, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
in XX/XX/2020 I went to exchange crypto for dollars. The funds never came through and then I couldn't access my account. Then 98 percent of the currency was missing, and I am still locked out of my account. I can not get anywhere calling, emailing, or any other way. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: PNC Bank N.A.
State: AR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We lived in our home for 19 years. As everyone knows, the economy crashed and I lost my job/ business that I had owned for over 20 years. We could n't afford our home anymore and so we moved out. We tried renting it, selling it, we tried everything. Our lender -PNC Mortgage- suggested that we do a " deed in lieu of foreclosure " which we completed in XXXX of 2015. 
Each month since then we get a late notice collection letter that each month has new late charges, interest and fees on this loan that we do n't have anymore. We do n't own the home now. 
They are continually reminding us and hounding us with these notices. I call them each time and they tell me every time that our deed in lieu is complete and that my loan is in maintenance and to disregard the notices. But I keep getting them and this is a very emotional, hurtful harassing thing they keep doing, reminding us every month that we lost our home. We are starting over and trying to forget and get past this terrible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The bureaus didn't respond to my request about the changes on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since 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 2016-01-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
U.S. Bancorp Investments, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX Complaint Description : Re : Loan No. XXXX This letter is in reference to the above home mortgage from lender U.S. Bank N.A. and administered by XXXX XXXX. Re : XXXX XXXX. XXXX XXXX XXXX XXXX US Bank Corporate Trust Services XXXX XXXX XXXX XXXX XXXX MN XXXX This letter is in reference to the above home mortgage from lender U.S. Bank N.A. and administered by XXXX XXXX XXXX XXXX. In reviewing my credit report it appears there are some discrepancies or errors in the payment history which needs to be corrected under the Fair Credit Reporting Act. Specifically the errors in the reporting are for the months of XXXX, XXXX, and XXXX 2015. All three months were paid on time and need to reported as such. I have copies of the bank statements which can be provided if necessary. I am also notifying the actual lender ( U.S. Bank N.A. ) of the potential violations of law when errors are not corrected. I also request confirmation that in fact your office did receive mortgage loan payments for XXXX, XXXX, and XXXX and that they all were processed. I will need a formal letter on Company letterhead dated and signed by an authorized representative. If you fail to provide the confirmation that the payments for XXXX, XXXX, and XXXX were received tendered and processed timely I will proceed to procure a subpoena as I am entitled to this by law. Very Truly Yours, XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep call me about debt when high interest rates, call my job. keep. call my cell phone every other day.i 'm getting sick and tired of them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Opened a secured credit card account with US Bank with the idea that I can get into a regular credit card with the bank. Made an initial deposit of {$300.00} and have paid the account current since opening. Have actually paid off the card every month after use, was advised that I can put in a request for a regular credit card on XXXX. I put in said request but was denied stating that they are going by my credit history however I have other cards that I use in similar fashion. I believe it is unfair of US Bank not to take into consideration the history I have with them personally rather than them focusing on others that is not relevant to my account history with US Bank. Furthermore items in my record are not accurate and are being disputed, a fact that US bank is not taking into consideration.

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 2016-10-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I spoke to my rep today XXXX XXXX and there seems to be a lot of mix ups happerning concerning my account. 

1. The liens are still on my account they were not removed. There were XXXX or XXXX totaling XXXX and a XXXX judgement all for illegal liens for back maintence that at the time I was not behind. the modification was completed after these liens were still there and not subordinating nor any inquiries made by Title or Wells Fargo. 
Modifications were not permitted with liens, still unsure how this all happened ad XXXX still stating the liens were not there per there title company. 
2. Wells put a claim into the title company for these errors - a claim for the liens 3. Ask for deed in lieu papers and short sale papers - nothing received to date 4. Asked why if I 'm behind I have not been offered any form of assistance modification wise. XXXX offers a principle reduction. The loss mitigation department says I 'm not entitle to one, XXXX mac says different. How do you determine without processing an application 5. asked if Wells offers any assistance to stop a forclosure from the association XXXX lien. 

This is a recap of the items discussed. 
The explanation that the title issued was settled months ago is untrue. Noone has held the title company liable for the errors made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a IRA through my past employer that is managed by wells fargo. I attempted to have wells fargo send a rollover check to XXXX - as I wanted to switch investment companies. Wells fargo claim they issued a check at the end of XXXX, 2016. After over a month and the check was never received by my financial advisor, I called wells fargo and they stated that their system showed the check was sent, but not cashed. So, wells fargo stopped the first check and reissued a second check. After another month of not receiving this check, my financial adviser and I got on the phone with wells fargo on a conference call. they stated that they would stop the second check and reissue another. My adviser suggested wells fargo overnight the check so we can track it this time. My adviser asked wells fargo to cover the cost of overnighting it. Wells fargo declined and stated they could not cover the overnight fee. I asked the lady for a supervisor and I was sent to XXXX. I asked XXXX for her name and she would not give me her last name, but gave me an employee reference number of XXXX. I asked XXXX what her supervisor 's name and reference number was and she refused to supply me with this information. I asked XXXX to provide me with her location so I could hold her accountable as XXXX at a Certain location. She shared she was at XXXX of many XXXX, MN locations, but could not tell me where she was located. I asked her if I did not get the check in the mail for the third time what the process would be at that time and she stated she would deal with it when it happens. I asked what he policy was in this situation and she said she did not know and would have to research it. I am very frustrated as my money has been out of the market for a couple months and I can not get it from wells fargo. I want my money and I want Wells Fargo to tell me what they will do about it. I normally would not do anything further, but given the resent headlines about wells fargo, I figured I might not be the only one who has had trouble getting my money from them out of my retirement account. So I figured I would report it here. The first check number that was supposed to have been sent was XXXX and was sent on XXXX/XXXX/16 and the second one that was issued was on XXXX/XXXX/16 check number XXXX. I still do not have my money and my account through wells fargo went from of {$15000.00} to {$0.00}.

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 2021-05-24
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage on XX/XX/2021 through a new lender. Wells Fargo was supposed to refund my {$3800.00} escrow within 30 days and informed me of the refund via USPS mail. 

I'm still waiting for my escrow refund check on XX/XX/2021. 

Their system said that they cut the escrow check on XX/XX/2021. Again, I have not received it. When I called to speak to a person, they said they would cancel the prior escrow refund check and issue a new one, which would take 30 days. When I asked if they could XXXX  me a check ( given the amount ), they said no. 

I'm a long-standing WF customer, with over {$150000.00} in savings with Wells Fargo.

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 2021-05-24
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I have requested a check with a sum of {$6000.00} on XXXX XX/XX/2021 from PayPal and I havent got this check from PayPal. I called them and emailed several occasions but nothing seem to be done.Im tired of all this and I really want the money back into my account. I got other checks but didnt get the huge amount I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute to all 3 credit bureaus and they didn't comply in 30 days

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 2016-04-11
Company: WELLS FARGO & COMPANY
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Every two months, Wells Fargo loses my online account info and locks me out. They also " lose '' the contact info I call every two months to correct. And although they record calls, they hang up if I tell them I too am recording the call to protect myself. I called back and again informed them I am recording the call and the woman told me " then I ca n't talk to you. '' When I asked for supervisor, she put me on hold. An hour ago. I am still holding. I am completely at their mercy!

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 2021-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This credit card is not mine, I never applied for this card I never had it, is fraud maybe someone else used my information but I try to to communicate with them but they didn't help and threaten me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 45 days later, I have not received a response yet. It seems my disputes are being ignored and I feel like I'm being taken advantage of. 

It is plainly stated in Section 611 ( a ) that a failure to investigate these items within a 30 day time frame is reason enough to immediately remove said items from my credit report. Let me remind you, it has been more than 45 days since the time of my dispute - so these items should be deleted from my report promptly. 

I demand these accounts be deleted immediately as I am seeking litigation due to the financial stress this has caused. 

Note : it has also come to my attention that my information was impacted by the Equifax data breach some time ago AND the more recent XXXX breach.

Company response to consumer: Closed with explanation