davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

Thursday, XXXX XXXX I went to the XXXX XXXX WELLS FARGO XXXX ( XXXX XXXX, NC ) to present a check for deposit into XXXX of my accounts. I have checking, savings and stock accounts for the past 16 years and the amount on deposit is about XXXX times the amount of the check, plenty to cover it. The check was from my brother in another state who is totally incapacitated and was endorsed to me for deposit to be utilized for his expenses. The check was issued by a nationally recognized corporation and drawn on the XXXX XXXX XXXX. The teller and bank manager refused to accept this check for deposit into XXXX of my checking accounts. I said that they could put a freeze on the amount of the check for a period of time, call my brother to verify this deposit but to no avail would they accept this check. I took this check to SOUND Bank a few doors away and presented it. In XXXX minutes they proceeded to accept this check and asked what I wanted to do? Ultimately I asked for a cashier 's check or XXXX so I could walk back to WELLS FARGO and cash it to demonstrate what great service a local, XXXX can provide. I collected my money and went back to SOUND bank to open a new checking account for my brother.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (PA)

[ Case number : XXXX ] I 'm still frustrated with the lack of response from Wells Fargo. I just need to get my ex-husband 's name off of the house. He has n't lived here since XXXX, 2008 and I have paid the mortgage. The mortgage is current. Wells Fargo states that my credit is n't strong enough, which I understand. But since I 've been paying it all along, should n't that be taken into consideration? I intend to stay in the house indefinitely and it is the sole residence for me and my children. I appreciate your help. 

XXXX XXXX ( recently legally changed my name from XXXX XXXX )
Consumer complaint received 2015-09-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo is making it exceedingly difficult to pay off this car loan. Very little information was given to me concerning my options, and also it was conflicting information. 
At first, I was told I could walk into any Wells Fargo Branch and give them cash. This would pay off my loan immediately. Then, I was told I could not pay off this loan at any branch, because the computer systems were different. 
The third time, I called, I was told yes, I COULD pay off the loan, just not state it was a payoff. 
I am confused. 
Also, I was never told I could negotiate the interest on the loan. 
Also, when I requested a copy of the transcript ( which they tell me is recorded ) I needed a subpoena to get it.
Consumer complaint received 2015-10-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

In 2003, we got an FHA loan through Well Fargo Home Mortgage. The payments then were supposed to be fixed at about {$350.00} a month. Through the years, they have raised our payment to almost {$600.00} a month. We have gotten several loan Modifications on our mortgage to try and bring the payments down. My wife and I are both XXXX and on a fixed income so two years ago, so we got a form from a Texas State agency so that we would be exempt from paying school and property taxes but, Well Fargo refused to accept the form, and still made us have to pay taxes. Then later on, we had storm damage on the roof of our home, and was given an insurance check to make the repairs but, Well Fargo waited almost a year, before they signed the insurance check, to make the repairs, By then the damage had gotten worse because of the delay so the roof was not properly repaired. 
Then later on we decided to try and list the house for sale and we had a realtor sign out in front of our home, Wells Fargo came by and saw the sign and told us to " REMOVE THE SIGN '' or they would foreclose on us. Our purchase price was around {$65000.00} and now, XXXX years later, we still owe almost {$55000.00}.
Consumer complaint received 2015-06-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Vehicle loan with B of A was paid off in XXXX 2013, but there were late charges that had accrued on the loan. These late charges were disputed with B of A, but it took several months to actually get a response. Eventually the late charges were paid off. However, Bank of America continues to report the ENTIRE loan as a charge off and has not updated the account as paid. I want the account either reported as paid in full or, at the least, a notation put on the account that only the late charges were a charge off, but that the auto loan itself was paid as agreed.
Consumer complaint received 2015-09-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (NJ)

Lawsuits will include the following1. Predatory lending in XXXX. Extortion from XXXX through present asking for more money than that was supposed to be3. Claiming from XXXX through XXXX I was not eligible for a government we modification when in fact I was4. Fraudulently given an in-house loan instead of the requested and approved government loan5. Monies were transferred from XXXX home mortgage which were incorrectly forwarded to XXXX residential and should 've been returned to me which never were6. Tens of thousands of dollars sent in as payments monthly payments which never were posted and reposted to principalLoan which originated into XXXX at {$150000.00} now double {$300000.00} even though I made 20 years of payments. fraud and corruption and extortion
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX has fraudulently added an additional account with XXXX, instead of correcting the account that was charged off and closed prior to filing Chapter XXXX in XXXX 2015. I want the XXXX account that was added with ill intent deleted. I want the 0ther account to show no balance. No payment or balance history past the filing date. The date of Major Delinquency is XXXX. All this needs to be corrected XXXX accounts in violation of FDPCA and FCRA deleted.
Consumer complaint received 2015-06-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc. (NY)

On Saturday XXXX XXXX 2015 I received letter from collection agency that I owe {$130.00} to XXXX. I did not received any warnings from XXXX regarding any financial responsibility. 
On the following Monday I called them XXXX times, I spoke with XXXX representatives and manager. I was told that my balance is {$0.00} and I did not hear any apologies. 
On Wednesday I received letter from XXXX stating that my balance is {$0.00}.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

We have been through ( if u want to call it that ) XXXX different modifications. Problem is the company Ocwen always refuses to give us any details of the permanent modification until we pay the 3, once XXXX trial payments, which we have always done. If we ask for an upfront look at permament terms we are told u can refuse the trial payments but are not guaranteed this trial or another future trial and foreclosure will continue. You will never see the permanent terms until you pay the trial.Then we get the permanent terms with a balloon payment of {$80000.00}, {$99000.00} or bigger monthly payment which is never mentioned or even hinted at in the trial plan terms. Our house is so far underwater it is heartbreaking. Homes on our street are not selling for {$120000.00}, one sold for {$40000.00} at auction. Our current modification just started including a balloon payment total : {$300000.00}. We can afford {$1100.00} a month and a fair loan balance. We appreciate any help anyone wants to give us but this does not seem like help ecspecially from Ocwen, who seems to lose every document you give them, stretch out the process and continue to add these home inspection fee 's week after week. We are smart enough folks with college degree 's, we know who caused the collapse in 2008 and it sure was not your everyday people like us. Yet, '' not one XXXX XXXX person went to jail '' per XXXX XXXX in last nights debate. We will vote XXXX like we always do but we will never get ahead. The XXXX XXXX folks made XXXX, collected insurance for loses from XXXX and XXXX more in bailouts.People say they paid back the bailouts : It is easy to pay back when u made XXXX in scams and paid only XXXX in fines??? Yet we are only offered {$120.00} or {$80.00} a month off mortgage payment or {$10000.00} in principal reduction, and it is tacked on the end ( Balloon ), or kicker you must pay tax on it.. We have put our blood, sweat and tears in our home. Never late in the fist XXXX years of our mortgage..Finally the real kick in the XXXX. We lost our entire home and contents to a woodstove fire in XXXX 2008. Insurance covered us, and even gave us alot of money for every personal item we lost : My wife and I and XXXX kids, XXXX years worth of stuff. Every toy, clothes, shovel, plates, t.v, stereo, throw rug, Holiday decoration, etc. etc. Alot of money in personal items paid directly to us. My wife and I decided to be smart and put that money someplace almost guaranteed for our kids future. We put it all into building a new house double the size of the one that burned and now our current house is worth much much less then even the one that burned?
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (WY)

PayPal illegally signed me up for an unwanted online credit. You can see the same situation has fined PayPal XXXX here : XXXXThis is exactly what happened to me : '' Enrolled consumers in PayPal Credit without their knowledge or consent : The CFPB alleges that the company often automatically enrolled consumers in PayPal Credit when those consumers were signing up for a regular PayPal account or making purchases. The company enrolled other consumers while they tried canceling or closing out of the application process. Many consumers ended up enrolled in PayPal Credit without knowing how or why they were enrolled. They discovered their accounts only after finding a credit-report inquiry or receiving welcome emails, billing statements, or debt-collection calls for amounts past due, including late fees and interest. " I am furious because this is a sleazy way to get me to open a credit line. The normal payment button was changed to " PayPal Credit '' and I could not select another payment option. I selected this option and then canceled. I was then able to use a drop down to opt out of PayPal Credit and use the normal PayPal Balance for the payment. This auto-opt in to open a credit line is an abuse. I closed the credit line XXXX minutes after it was opened however this will affect my credit score. PayPal credit representatives informed me that a hard credit pull was performed to approve the PayPal credit line. This is NOT okay. I now have to go through a 60 day process to plead to the Credit Bureau to remove the hard credit check from my account.
Consumer complaint received 2015-11-24
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TN)

Santander Fianancial is guilty of continuing to report fraudulent information on my credit file. I have repeatedly asked them to provide me with the documentation that they used to open this fraudulet account. I have yet to receive anything from them but lies and excuses. They are very rude and unprofessional. They refuse to remove this information in spite of the fact that I have sent them copies of my Identity Theft Application and the police report several times. Please do sometthing about these people who brashly and defiantly abuse victims of ID theft. Please help
Consumer complaint received 2015-06-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Malcolm S. Gerald and Associates, Inc. (MA)

This company called my cell phone ( XXXX ) and left a msg on XXXX/XXXX/15 to return their call. Then they called my house phone ( XXXX ) a few minutes later and my wife answered. 
A women named XXXX XXXX asked my wife to take down her information and have me call them back. She stated she worked for an attorney and that I owed a debt from a XXXXcredit card account. My wife quickly googled this firm and found fraud allegtions and many complaints about them. 
After careful research we have found they are not attorneys, which is a violation of Federal and State Law, and have found they are not licensed to collect in the state of MA. 
I called the telephone number she gave my wife and a XXXX XXXX answered. She asked for my name, then she stated that I owed the debt a for a XXXX credit card. 
I then I asked her to send me documented proof by mail. She replied with " are you denying that you owe this debt? '' I said " no, I am asking youto send me proof.? This went on for a few more minutes and I just hung up.
Consumer complaint received 2015-08-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

Just thought you should know .when they gave me the trial payments. We couldnot do the payment plan because it was not affordable with one income. They say that they donot use my uneployment. When I lost my job i was loosing four XXXX a week.XXXX dollars a month with taxes taken out. When no overtime. When I filed the appeal they told me that they denied the appeal. I have nothing in writing from them stating why.They are still not helping us.
Consumer complaint received 2017-07-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (WI)

My personal loan lender, Wells Fargo Bank, assessed a late fee charge of {$39.00} on XX/XX/2017. This fee was a direct result of their teller-line representatives misapplying a payment on the wrong account. <P/>In working ( via phone ) with my local Wells Fargo Banker at the XXXX XXXX location in XXXX XXXX Wisconsin on XX/XX/XXXX they asked me to physically bring in my deposit slip as supporting documentation to correct and reverse the fee. In doing so, on XX/XX/XXXX, the representative I was working with added additional requirements and steps to correct the issue such as returning to the original branch to reverse the original transaction, obtaining a debit slip from the checking account from which the loan was paid, then return to the XXXX XXXX location to complete the process which would take approximately two weeks. <P/>Unfortunately, this is n't the first time I 've had a payment misapplied on this specific loan. In the past, this was resolved on the spot, without issue. But I have yet to see any resolution or attempt to correct this issue.
Consumer complaint received 2015-09-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX XXXX on my behalf contacted Midland Credit Management, inc avised them that the bill they are trying to collect that the statute of limitations ran out. This bill also was previously disputed along time ago with the original creditor XXXX. Midland Credit informed my attornies that they do not have any records of the dispute with the original creditior. I have been disputing this since this is the XXXX collection agency to acquire this old bill. This collection has also have blocked me from acquiring a mortgage to purchase my new home. XXXX have advise Midland they are ready to take this to litigation. At this point Midland should know the laws when they can no longer collect and report. The Law firm has given them 10 days and its is well beyond the 10 days,
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (CO)

On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that XXXX XXXX XXXX will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against XXXX for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. XXXX. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from XXXX 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by Wells Fargo Bank , N.A . He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or XXXX verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with Wells Fargo Bank , N.A . 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) XXXX XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, XXXX had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that XXXX believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account XXXX, to discuss a resolution that would be satisfactory to both parties. 

To date, XXXX has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, XXXX is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the BBB was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!
Consumer complaint received 2015-11-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (TX)

I am currently a customers with XXXX, service that pays toll roads on your behalf. When my debit card had to be destroyed due to fraud they were unable to process my payment. They turned the debt over to Municipal Service Bureau, a private debt collection company. They issued me a bill and I paid it. They then issued me further bills after this payment. 

I disputed this payment both by their internal methods and by a certified letter saying that I did not understand these charges and that I believed that they were in the wrong to issue further late charges as a debt collection agency. I contacted them regarding this letter and was told they had no record of my debt. 

Later, I received another notice that payment was due. I told them that I would not pay the late fees, but offered to pay the original tolls. They would not accept this resolution and now have a total due for me of {$200.00}. The original tolls total : {$28.00}. 

I have made clear to them that I will not pay this and am now seeking other resolution options.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

We have been uploading documents for a loan modification we believe we have a complete package and have been calling and leaving messages to our assigned representative without a response. I also sent documentation to authorize a 3rd party and they do n't seem to be able to locate my documents I have uploaded all of my documents time and time again and I am not getting anywhere I think they rather foreclose on my home they are delaying the process and being unresponsive.