BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Since XXXX XXXX, 2015 we have been trying to get a Line of Credit or mortgage with Wells Fargo. Every week there was something that changed the loan. They first started with a line of credit and said no. Then we went for a mortgage and have asked for everything XXXX times. Then after we waited patiently and heard nothing for 2 weeks we called and they meet with us. The understanding was they were processing all the information and would get back to us. We waited again and called again had to be called back. Then we were told the loan would not be in both names just in XXXX XXXX and not in both XXXX and XXXX XXXX also we would have to pay off all credit cards and close all accounts. We did not like that all of our accounts had to be closed and both of our names were not on the loan. We contacted another lender and explained what had happened. He said to give him our information and he would let us know what he could do It took him 2 days and we had all the answers we are both on the loan and we are paying off some of our debt but do not have to close all accounts because that affects your credit, I notified Wells Fargo and let them know that we were not accepting the loan. 
We also asked them to reasssign our appraisal which we paid for a couple of weeks ago. YThey wold us they would not reassign our appraisal to XXXX XXXX XXXX so we may continue with our loan process. We paid {$450.00} which XXXX XXXX said was a little high for the appraisal. I would like my appraisal reassigned to XXXX XXXX Wells Fargo can do nothing with it so why wo n't they give it to us?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX SOLD MY MORTGAGE LOAN # XXXX TO THE BANK OF NEW YORK MELLON. I DO NOT KNOW WHEN THIS HAPPENED AND I WANT TO KNOW.I HAVE NEVER RECEIVED ANYTHING FROM EITHER BANK STATING THIS.YOU CAN NOT CALL THE BANK OF NEW YORK MELLON ONLY EMAIL. I WANT INFORMATION IN WRITING AND I WANT AN ANSWER

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Shortly after the XXXX breach settlement of 2017 I incurred massive unauthorized charges across the board in my credit accounts and utility accounts. It is the fiduciary responsibility of all cras to look into the matter and make sure that it is available that. I have attached an FTC for report in regards to the manner and look forward to the resolution and the maximum time allowed by law 5 days being properly executed.

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 2016-10-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
subject..wells fargo..item XXXXthis occurred about XXXX months ago..originally in 2012 i opened a savings acct. that was valued at XXXX figures to be used for payments during our house renovation..when it was finished. i left approx $ XXXX in the acct.and transferred the balance left to investments accts ... the XXXX was for emergencies..several months later i noticed a slight change in the value of the act ... i opened it up and discovered wells fargo was deducting {$25.00} per month..the explanation was ..when i opened the savings acct. with XXXX figures it was considered a premium acct ... .when it dropped below XXXX it lost this status ... thus the $ XXXX. charge ... by the way..interest was .03 % ..they gave me what was deducted back ... but most important ... .they never told me of this possibility ... ... .How many do n't know this is happening to their accts. pls. pass this on to the XXXX committee that is taking wells fargo to " task '' item # XXXX ... .again wells fargo..i physically went to local branch to pay monthly mortgage ... ..teller made mistake of posting payment to my credit acct ... .i was dunned..2 weeks later for non payment ... ..then it was discovered that the posting was to the credit card acct ... ..bring this to the same senate committee ... .the error took a few seconds..by the teller making a mistake ... ... to resolve this problem when they found what happened ... took XXXX 1/2 weeks ... if it takes only few seconds to create an error ... ... .why ca n't it be fixed in a few seconds also? ... ..pass this on to the senate committee

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 2016-11-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My name is XXXX XXXX XXXX i would like to report that a company by the Name of XXXX has been over drafting my checking at my bank Wellsfargo. I do n't understand how they attain my information but it 's affecting my bank account with many over draft.I'ts no way to get it touch with their company and my ssi and social secruity at risk.That all the income i have and they ripping me off.And thank in advance for your support and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a motorcycle stolen from me. XXXX ins paid it off in full. XXXX sent a letter to XXXX XXXX saying the bike would be paid in full and the account has been closed. They also said they would be mailing the check out and that i XXXX XXXX was not responsible for the account as of the closing of the account. During this time they reported late pays on my account towards my credit that should not be on there. These late pays should be removed and my credit adjust. XXXX XXXX XXXX # XXXX SS XXXX DOB XXXX Please let me know how to get my credit fixed from this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My property taxes for year XXXX have not been paid by my mortgage company. The mortgage company name is AmeriHome Mortgage Company , LLC. 
I have called this company more than 10 times in XXXX XXXX and they keep stating they will pay the taxes but they have not so far. They say they did not get feedback from XXXX County Appraisal Office on assessment of my property. I have the tax bill and I have the assessment information on the XXXX county website. I also sent the tax bill to the company and the parcel number. The customer service is also not good. They have limited information. 
I have an escrow account set up with the company and they are supposed to pay the taxes. There is no proper communication on why the taxes are not paid. I feel I am being subjected to endless harassment and waste of my time and energy. I want this company to pay my taxes and the penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have XXXX special term loans with Wells Fargo Financial. XXXX of these loans is set to expire on XX/XX/XXXX. I have been making my payments but only a fraction of my monthly payment is being applied to the special loan balance that will expire the soonest which is contradictory to the information on their website that states that payments are applied to balances with the highest APR and then to balances with special terms that will expire soonest. According to the phone agent that I spoke to today only {$14.00} of the {$190.00} monthly is applied to the balance that is set to expire on XX/XX/XXXX and the majority of the dollars of my monthly payment is applied that will expire in XX/XX/XXXX. I was told that I would have to pay {$550.00} to pay off the balance of {$360.00} to avoid being charged the outstanding interest set to hit in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
Fraudulent FHA application indicating that I did not bring any money to the closing and if I did, was it borrowed? 

Note : FHA insures reverse mortgages for one-to-four family units under the various provisons of section 255 of the National Housing Act ( Title 12, United States Code, Section 1715z-20 et.seq ).

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 2016-10-11
Company: WELLS FARGO & COMPANY
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo repossessed my vehicle, after 2 months of missed payments. The initial loan for was XXXX and I had paid on the loan for 5 years. The balance owed on the loan was approximately XXXX. The car was sold at auction for {$5100.00}. I now have XXXX negative accounts on my credit report saying I owe Wells Fargo a balance of XXXX. When I called Wells Fargo about the very high balance due I was told that the balance imposed is for legal fees. I was also notified by Wells Fargo that I have to claim the balance of {$5900.00} on my XXXX taxes as income and when I asked for an explanation on that, because I did n't quite understand, I was told that I had to claim it as income because that is the way is it done. 
I wanted to add that I had XXXX, that led to my inability to pay for 2 months, because I was out of work from being hospitalized and being rehabilitated. I did contact Wells Fargo, XX/XX/XXXX, to try and offer a settlement and I was refused because the offer was too low of an amount. 
Also on XXXX/XXXX/XXXX I sent a letter to Wells Fargo asking for them to validate the debt and to date they have not responded to my request. Wells Fargo signed for my letter on XXXX/XXXX/XXXX and my credit report was not marked as " disputed " until today XXXX/XXXX/XXXX, an I have not gotten any validation pertaining to the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 utility company XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15U.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.

I have tried to explain to the companies that I have been a victim of identity theft and these accounts can not be reported to the credit bureaus because they are inaccurate, I have not received any response from XXXX, and I am not able to get any help from 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 non-monetary relief
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was approved for a loan because of doctored documentation Wells Fargo Financial submitted without my knowledge and they will not release the paperwork to me. This loan almost bankrupted me. I had over an XXXX % debt to equity ratio and should not have been given the refinance that caused me to pay XXXX a month vs. XXXX for a mortgage. They gave me cash on hand of over XXXX dollars and did it after the original paperwork was submitted. None of the checks were written to the big credit cards I had which is what they claimed this was for, a debt consolidation. Given the current additional wrong doings of the bank, I am hoping you can help me. 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 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/2016 I pulled my credit report to find XXXX hard credit inquiries on my credit report that did not belong there. A certified letter to all XXXX credit agencies was sent requesting the removal of the inaccurate information on my credit report. The XXXX letter was the same as the XXXX letter. They stated that they will not remove these inquiries and that I needed to contact each individual company and have them remove it. Per the FCRA statutes, the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. None of these things apply to me. The request to remove inquiries was sent to all XXXX CB 's twice and the same response was given

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
THE BANK SENT ME SEVERAL CONSUMER EMAILS STATING THAT FOR EVERY IMMEDIATE FAMILY MEMBER I REFERRED THAT OPENED AN ACCOUNT THAT ME AND THE RELATIVE WOULD BOTH RECEIVE {$50.00} REFERRAL FEE. 
I HAVE REFERED XXXX FAMILY MEMBERS AND ONLY RECEIVED CREDIT FOR ONE OF THEM. THE BANK REFUSES TO GIVE ME CREDIT FOR THE OTHERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08
Company: WELLS FARGO & COMPANY
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Both my parents passed away leaving me as the executor of their estates. While going through my Dad 's computer, I came across an email indicating his Well 's Fargo account would be closed due to fraudulent activity. Apparently someone had tried to access the account multiple times from various computers. I called Well 's Fargo, they told me the email was not from them and was probably a phishing incident. I told them I was not aware my father even had a Well 's Fargo account, but they said if someone tried to compromise it, an account probably did exist. I asked how I could get access to it and they told me to go to the local WF office with the death certificate, etc. They told me the closest office was over XXXX miles away. They indicated I could mail the information including the account number. When I reiterated that I did n't have the account number, they said sorry, we ca n't help you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Collection Accounts identified as ( XXXX XXXX ) on my Transunion Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked TransUnion to delete these accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the XXXX Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, TransUnion needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I reached out to XXXX XXXX from Wells Fargo Home Mortgage to get a mortgage loan. She was the main point of contact as she was the preferred lender from my home builder. She helped lock in a mortgage rate of 3.25 % after running a credit check back on XXXX XXXX. I told her that I was happy to proceed with the mortgage loan since my previous lender quoted me a rate of 3.668 % and she charged my credit card for an appraisal. I went ahead and worked with the underwriter by sending them all my financial documents. I had difficulty reaching XXXX ever since our first contact because she never returned my calls or emails. She went AWOL on me. I found her at her office on XXXX XXXX and she told me everything was going smooth and not to worry. I learned later that my appraisal was never sent to the home builder and I could not get hold of XXXX. She later tells the underwriter to stop processing my mortgage loan since I was going with my previous lender but I never communicated that message to her at all. I even told her that I could not reach you so there was no way for me to relay that message to her. On her own, she decided to stop processing my mortgage loan. By this time, I had less than 30 days to close escrow so I could not shop around rates any longer and had to go back with my original lender so I could close on time. XXXX XXXX did not process my mortgage loan that she promised me and decided to ignore any messages/calls that I sent her. I lost out on getting a good mortgage rate and the ability to shop around for rates since she deceived me into thinking that she was working on my mortgage loan but never did.

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 2016-10-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My new car ( less than XXXX car payments were made ) was deemed un-repairable due to damages it sustained in XXXX XXXX. It is financed through Well Fargo Dealer Services. My insurance company is handling the claim and waiting on them to issue the Letter of Guarantee since XXXX/XXXX/16 so they can issue them payment. The collections guy, XXXX, was screaming at me when I tried to explain this. He said I was " changing the subject '' and that I should n't be avoiding paying my bills. I said I was n't, that it will be paid in full once they release the document to my insurance company. He then continued to yell and talk over me and scream at me that I should n't be getting a new car until this XXXX is dealt with. My insurance company has been trying to pay them since XXXX/XXXX/16, 5 days after it was totaled. But Wells Fargo is holding up the process. XXXX was so nasty saying things like, " Does n't your insurance company give you a rental? ", etc. This may be true but it is none of his concern. I had to hang up on him as he would n't let me speak and when he would he 'd scream at me and all I wanted to do was advise him that payment is pending if they release the letter of guarantee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX tradeline ( Account # XXXX ) is inaccurate and is in direct and willful violation of the FCRA. I disputed this tradeline with TransUnion over 12 months ago, and TransUnion neglected to delete or update the information. As a result, TransUnion MUST DELETE this tradeline as it is hurting my financial life. I have retained a lawyer to sue for willful violation and for damages. 
As a reminder, the account balance is wrong. The account status is wrong. 
Wrong information has been displayed for over a year. This account must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: Accelerated Financial Solutions, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A company by the name of Accelerated Financial is calling me relentlessly after I have told them not to call me again. I have no idea as to what debt they are calling about, if any legitimate debt, at all. They threaten to serve me with papers, but never do. They have resorted to calling immediate relatives of mine to track me down including my son and sister-in-law, and perhaps others. They are harassing me, and I want the calls to disinterested 3rd parties, and to my home and cell phone numbers, to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief