davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Quick recap of the past year, we have a MTG thru Wells Fargo, I lost my job a year ago and started a new job. Things were slow to start so we got behind on our pmts. We were trying to do a loan modification recently and then hurricane XXXX came XXXX XXXX and hit our home hard. We had between XXXX and XXXX feet of water thru our entire home. We have flood ins, and the adjusters came n did their thing and we 've already received XXXX smaller checks to start fixing our home. I took the checks to Wells Fargo since the check is made out to myself and them. They refused to cash the checks, reason being they want to make sure we spend the money appropriately. We was told they 'd send us a packet ( we still have not received the packet ) we have to fill out and sign the checks over to them. After they approve what we 're doing with the money, they 'll disburse the funds in increments and it 'll take an additional 3-4 weeks before we even get any of the money to get. We was told we could also request an emergency approval for the funds due to our circumstances. On XXXX XXXX, We filed for the release of the funds and was told we 'd have an answer within 3-4 business days. On Fri XXXX XXXX, I called and was told the request had been denied but we could refile, so we did, which was also denied. Now thru this whole process, we ( myself and my fiance that resides with me ) were both calling Wells Fargo daily and numerous times, which entailed being on the phone anywhere from 30 min to 2 hours and conveniently being disconnected by them numerous times and many transfers. At this point, we have a hole in our roof, have no refrigerator, no stove, or hot water tank heats to give us about 5 min of hot water ( just had a plumber here seeing if we changed the element would help and he tried but our tank is ruined from being in the much water and all the stuff that got inside & was informed it will stop working soon ) and to top it all off, on Mon XXXX XXXX, we started visibly seeing mold growing in our kitchen. We are trying to do everything we can to make do until get the money to do things right. We have nowhere to go so we have to stay here. We are both starting to notice symptoms of being exposed to mold ( my fiance has a XXXX ). We have begged and pleaded for any kind of help to get this cashed so we can start to put our house and our lives back together again and Wells Fargo just does n't care and refuses to help us. We have used all of our funds just to continue daily living.
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (GA)

Jaguar Credit is listing inaccurate information on my XXXX & XXXX Credit Reports. I have written to the credit reporting agencies in an effort to resolve this inaccurate reporting information, but with no success ( Exhibit # XXXX ). Jaguar Credit was listed in my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2012 ( Exhibit # XXXX ). Jaguar Credit is in violation of federal law and the Fair Credit Reporting Act.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Servicing ( SPS ) did not address our issue. Select Portfolio Servicing failed to provide reasons as to why they placed us in false default in XXXX, and continued to service, by recorded assignment, and discharge, in XXXX XXXX - without any authority to do so. We requested correction of County filed records, that falsely provided a cancellation of mortgage, without authority, or assignment, to do so, by invalid Limited Power of Attorney. Instead of correcting the record to backdate to XXXX, SPS, continued to act as servicer, and filed a false assignment/discharge in XXXX XXXX, without the proper legal and valid authority to do so. In addition, in the process of complaints, SPS admitted that we were in default in XXXX, by assessment of false placed insurance. This is false, as we had insurance, and were not required to purchase additional insurance, and not provided with any NOTICE that any forced placed insurance had been placed. This caused our loan to be placed in false default, and " paid out '' by another entity, just prior to our refinance in XXXX XXXX, by which our payoff check was diverted, and monies pocketed by SPS, and not paid to the proper investor - keeping us in false default for years. It appears, by telephone conversation, that SPS was the entity that placed the false forced placed insurance, and falsely placed our loan in default. 
This has caused title problem issues to our property. We will file a new complaint, and continue to do so, until SPS provides all information requested, including correction of false default, name of entity that SPS sold our loan to - prior to our payoff of the loan, and the exact phone number for the entity that SPS purchased forced placed insurance against us, which caused a false default, diversion of our actual payoff monies, and destruction of our title. 
Thank you.
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (KY)

I HAVE A COMPLAINT WITH WELLS FARGO ( XXXX XXXX ) CREDIT CARDI DID A BALANCE TRANSFER FROM WELLS FARGO TO XXXX XXXX CREDIT CARD, THE PAYMENT CASHED BY WELLS FARGO AND LEFT A SMALL BALANCEBUT ABOUT XXXX WEEKS WELLS FARGO STATING THE CHECK GOT REJECTED BY XXXX XXXX XXXX, I TALKED TO XXXX XXXX AND THEY SAID IT WAS CLEARED ON THIER END, I EVEN SENT AND FAXED A COPY OF THE CHECK TO WELLS FARGO, THIS ISSUE IS STILL NOT SOLVED, I EVEN HAD WELLS FARGO AND XXXX XXXX ON XXXX WAY CALL AND STILL NOTHING
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I applied for a loan modification with select portfolio who is my mortgage company.. we were approved for a modification however the amount that we are being charged is outrageous, we currently owe XXXX dollars and the terms of the modification increases the note to XXXX dollars. we contacted the company and were basically told " take it or leave it '' We were led to believe that we applied for a modification to improve our circumstances not worsen them. We were given a timeline of XX/XX/XXXX to either accept or decline the offer.
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (GA)

WELLS FARGO BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Service, Inc. (MI)

For the past two yearsAsset Recovery AssociatesPhone : ( XXXX ) XXXX Box XXXX, XXXX XXXX, IL XXXX XXXXww.arainc.usHas been calling myself, family and third parties at my employment threating regarding a debt not owed. This might be identity theft. However they will not respond to repeated demands to stop harassing. This has escalated to blatant fraud on their part by pretending to be calling from court clerk and local police using an APP that fraudulently shows the phone number of those agencies. I have contacted those agencies to verify that no messages where sent from those numbers. The main complaint is that they are contacting myself, family members and persons at my employment for debt not owed, will not provide details on the alleged debt when asked, threaten that the police are on their way etc. I believe these tactics go beyond civil infractions to criminal fraud by impersonating government employee 's and agencies.
Consumer complaint received 2015-07-13
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Google Compare Credit Cards Inc. (CT)

A funds transfer in the amount of XXXX was requested on XXXX, made by mistake, canceled seconds after request. The transaction was canceled out on XXXX end, however, funds were still attempted withdrawal. A stop payment was made to avoid an overdraft, a fee in the amount of XXXX is charged for this. I need this fee reimbursed ASAP. The email associated with my XXXX account is XXXXXXXXXXXX
Consumer complaint received 2017-01-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I was unable to make the remaining payment to Net Credit, therefore my account was sold by Net Credit to XXXX XXXX XXXX per my credit file. Both are reporting as collection accounts with a balance of {$1700.00}. Since XXXX XXXX XXXX shows the most recent activity, I believe the Net Credit account balance should be {$0.00} and show as a charged off account.
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Here is a brief recap of an issue that has been going on since XXXX XXXX XXXX mom and dad are XXXX year long wells fargo customers with XXXX accounts at wells fargo. 
My mom died in late XXXX XXXX. Wells fargo was notified in early XXXX XXXX. 
My dad has been incapacitated/incompetent since XXXX. He has XXXX, XXXX with XXXX, XXXX, XXXX. My dad was in a XXXX XXXX unit from XXXX XXXX to XXXX XXXX. My dad is currently in XXXX XXXX and needs help with all daily activities. My dad is not mobile and can not come into a branch. He is not able to execute a new power of attorney. 
My dad executed a Durable Power of Attorney in XXXX signed by XXXX witnesses. This is legally valid in CA. 
Wells Fargo refuses to recognize the DPOA and refuses to add me to all of their bank accounts. My dad can not and has not done any banking activities since XXXX. 
I need to be added to my parents accounts per the power of attorney to pay their federal taxes, pay my dads outstanding medical and other bills, pay for house repairs such as a new roof, electrical, plumbing, etc., and pay for my dads private pay XXXX XXXX costs that will hit in XXXX XXXX. 
I have gone through Wells Fargos local branch personal banker, local branch manager, district manager, legal department, beneficiary department, social care team, resolution team, and emailed all executives I could find. I have no choice but to file this complaint. 
My mom executed a Transfer on Death form with Wells Fargo - the branch provided her the form shortly before her death. It was not able to be filed as she was hospitalized/died a few days after executing the form. Wells Fargo now claims she used the wrong form. However, Wells Fargo GAVE her the form. 
I have shown Wells Fargo : Original Power of Attorney, My dads original signed social security card, My dads original non expired photo military id, My dads drivers license, My dads medical bills and other bills, My dads medical id cards, My moms original will, the Transfer on Death form my mom executed, the original death certificate for my mom, and more. 
On XXXX XXXX, XXXX Wells Fargo District Manager said I would be able to be added to my parents accounts per Wells Fargos legal department ruling. I went into the branch on XXXX XXXX, XXXX to accomplish this. Wells Fargo refused after a discussion with legal. 
As of XXXX XXXX, XXXX, Wells Fargo has refused to recognize the Power of Attorney and has refused to add me to my parents accounts and has refused to give me the Transfer on Death account.
Consumer complaint received 2016-06-20
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NATIONSTAR MORTGAGE LLC (TX)

I have vehemently contested the wrongful foreclosure of my home by XXXX XXXX XXXX since XXXX 2012. Notwithstanding, the lawsuit I filed on XXXX XXXX, 2012 is currently pending in the XXXX Circuit Court of Appeals. 

I have filed complaints with the CFPB, HUD Inspector General, and the Courts. 

However, while the lawsuit is pending, XXXX XXXX XXXX has transferred the servicing of a zero balance loan to Nationstar Mortgage to collect. 

XXXX XXXX XXXX has never tried to collect any debt from me after the foreclosure sale of the property on XXXX XXXX, 2012. 


I 've attached documents to substantiate my claims.
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Flagstar Bank, N.A. (MI)

A couple of days after I noticed XXXX separate fraudulent charges on my business debit card I immediately called and cancelled my card and sent an email to the Assistant Vice President and Sr. Branch Manager who manages my account. He sent over an affidavit for me to fill out and he submitted. The bank put credits on my account for charges. Several weeks later they received notices from the vendors that they were 'valid ' charges and they revoked the previous credits. I sent a certified letter to my branch fraud department disputing the decision asking them to reconsider and the information they sent me from the vendors had false information about my identity, even the delivery address where the items purchased online were delivered. Then I did n't hear back after about 4-5 weeks I called and they said they no longer handle the cases and I needed to work directly with my branch. I 've been going back and forth with my bank, they say they 've done everything they can and I would need to work directly with the merchants to get my money back. One merchant I ca n't get through too, one said I should have a credit coming, that my bank will not confirm, one I spent an hour on the phone to be told I need to work with my bank to get my money back. My bank does n't answer me back for days or even weeks at a time and feel I 'm getting the total run around. I 've been diligent about going through the proper steps and keeping in contact with my bank. So as of now I am at a loss. I work too hard to lose over {$600.00} and need help!
Consumer complaint received 2015-12-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Dealer Services repossessed my vehicle so that they can resell it to make more profit. On XX/XX/XXXX, I sent Wells Fargo Dealer Services a fax explaining my circumstances for been late on my payments. I also made a post dated payment on that fax for {$1100.00} for XX/XX/XXXX. I called and spoke to the manager handling the account on several occasions to confirm my payment arrangements, yet Wells Fargo Dealer Services decided to repossessed my only vehicle that takes me to work and move my family around on XX/XX/XXXX. Wells Fargo Dealer Services insisted that I pay almost {$8000.00} to receive my vehicle that I only have less than {$5000.00} to pay-off XX/XX/XXXX. I have paid almost 97 % of the loan on my vehicle, and should be paying-off my vehicle in XX/XX/XXXX. 
Even though, I am always late on my payments, yet I paid my outstanding balance and late charges. 
Please assist to have Wells Fargo Dealer Services return my vehicle, I will pay {$2000.00} towards my outstanding balance, and will not be late on my remaining payments of the loan.
Consumer complaint received 2016-04-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

Was told I could be helped to refinance my property. I was never ever late but facing overwhelming debt and taxes owed by ex spouse and and SPS services left me facing worse situation. They told me to switch my bank loan to them which was perfect credit and then promised to help me.. SPS told me I had to miss a payment so I would go into foreclosure so they could continue to help me..but the reason I even applied for help was to avoid foreclosure!! I was trying to avoid foreclosure as they promised they could lower my payments. I thought it was awful they told me to miss a payment.. Even though I had never been late.. 2years of XXXX with them caused me to lose a rental property I had since 2002 for retirement income as SPS as I am close to XXXX ... I needed the property income. They made the situation worse, my renter moved out and nobody wanted to move into a property that now was possibly going into foreclosure!! and so then to try to save my credit I desperately had to try to sell the property and even when I found a CASH buyer to buy full price they waited 4 months and finally let me sell after pleading with them to please take the offer. They did but only after charging me tbousNds and thousands of dollars to them! I never got ANY help just pure XXXX!!!! The address listed is the property address that was sold. I never got the help they offered only a lost rental for income and had to pay them thousands at the end!
Consumer complaint received 2015-07-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

My wife and I took out a consumer loan with Wells Fargo National Bank XX/XX/XXXX. The loan was repaid by XX/XX/XXXX. We missed paying it back in a year by 10 days. Wells Fargo Bank said we owed {$480.00} interest. I paid {$250.00} in XX/XX/XXXX and planned to pay the remaining balance in XX/XX/XXXX {$7.00} interest was added to the XX/XX/XXXX balance of {$230.00}. My question is why are we being charged interest on interest?
Consumer complaint received 2016-06-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc (NC)

Today on XX/XX/2016 at XXXX eastern time, a XXXX, from PayPal credit called my parents home. She asked for XXXX XXXX, my mother said he is n't here, meanjng he does n't live here. This person continued and asked is this XXXX XXXX? Which it was, but not XXXX XXXX XXXX, im not married. My parents number has never been in my account since I 've not lived there in 22 years. This XXXX, continued to discuss what my balance was, it was 4 months past due, and could she take care of it today for me? She said last payment was XX/XX/XXXX. Humm that 's 2 months ago? She told her to take {$63.00} to XXXX XXXX XXXX to oay the account and keep it current. Why would someone take it to my bank? They do n't have the account number. 
I called the number on parents phine she i got there to check in them tonight XXXX. A XXXX answered and told me she must have done a generic search for a phone number. They should n't have they called my home two weeks ago and I told them I had n't gotten a bill in 2-3months of which that person said he would mail one. I still have n't gotten it. 
This XXXX took their number off my account of which I never put there as I have my own number and have n't used theirs in 22 years. 
I am beyond upset as it got my mother who is XXXX and I 'll very upset and worried over this they have gone to far and I want restitution for their crime. 
Can u assist?
Consumer complaint received 2015-10-03
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (MI)

I was using my PayPal account to purchase an item on EBAY. When the option for PayPal came up I selected pay and link my accounts. PayPal asked for confirmation and the last four of my social security for security purposes. Two seconds later I have a credit card I did not want! They ran a hard check and will be on my credit report for two years. Can I please get this inquiry removed? What can I do to stop PayPal from doing this to other people? They are deceiving and stealing peoples money.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

I tried closing my checking and savings account with Wells Fargo, but was told to call back. I did, and was told to call back and informed I would n't be charged a fee for having a XXXX balance if I kept the accounts opened. I still want to close the accounts, but now am assessed a fee. I 'd like the fees to be waived and my accounts closed. Thank you
Consumer complaint received 2016-12-09
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUBURBAN MORTGAGE, INC. (AZ)

I recently applied for and was accepted into the FHA-approved Home in XXXX Loan through Suburban Mortgage in XXXX. Initially, I was going to go through my credit union but XXXX with Suburban Mortgage assured me that I would qualify for this advantageous loan and persuaded me to place my business with them. I provided him with my past 2 year 's tax returns and all other paperwork needed for the approval. I was approved for this loan in XXXX of this year. He told me that I was approved but failed to mention that there is an income requirement for this type of loan. He called me with 2 week 's to close to advise me that " underwriting '' would not approve my loan because of my income. I watched as my dream home faded away through no fault of my own. He had my tax records as well as my past month 's bank statements which clearly show my income. He then offered to switch me over to a different kind of loan if I would stay with them! I had to pay a {$99.00} fee to take an exam in order to obtain this loan ( which I passed ), a termite inspection fee ( {$50.00} ) and a home inspection fee ( {$350.00} ). Suburban Mortgage materially misrepresented this loan to me and lead me along, fully knowing that I would not qualify for this mortgage. Not only did I lose out on the purchase of my home, but I am now also out financially. I have tried calling his manager, XXXX XXXX at XXXX but he has not returned any of my phone calls.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I have been using Paypal.com since 2019 for my XXXX XXXX XXXX which I have 100s of subscribers. 

They even gave me a working XXXX XXXX  which I never defaulted on and paid in full. 

XXXX XXXX XXXX XXXXs a Monthly Beauty Subscription Box. People pay on the XXXX of the month, then we use our money in PayPal to buy stamp, and ship their inventory. I have several customers maybe half my customers pay through PayPal and are on automatic billing through XXXX 

Recently, PayPal only pgave me access to $ XXXX of my generated revenue. When I called in, they told me well you as a XXXX XXXX should be looking for other capital to run your business as they held my money for 21 days. 

I stuck it out as I didn't know how to move my XXXX maybe XXXX customers to another payment processor. Recently, they then cut my money that I can receive from my earned money to {$300.00}. 

I emailed them asking why? After I've been assured that once they have more information my limit of accessing my own funds can increase. 

They informed me I had 5 disputes. 3 of the 5 disputes are a person outside the USA and we asked her to cancel her subscription as we can no longer ship international. She wanted to hold on to her subscription because she loved her boxes. However, shipping rates have increased we fully refunded her. 1 of the disputes had 1 color of her eyeshadow palette break in shipping. We asked her to return our box for a full refund which we did. Our box is $ XXXX for 5 to 7 Full size beauty products so 1 color in her eyeshadow breaking during shipping was out of our control. 

I tried to call PayPal and explain my business model and they claimed to understand and sent it to their back office for further review. 

I also had a XXXX account for my makeup line which they said I had unhappy customers. They asked me to upload tracking and when I did it wouldn't accept it. So I moved on and removed PayPal from my website as it wasn't a big deal 1 or 2 customers using PayPal VS 100s a month.