BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-23
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife, who originally purchased this home from Wells Fargo Mortgage, has fallen ill with XXXX, and I took over her affairs. Wells Fargo, when we first applied for a " Modification '', accepted this fact, and has allowed me to work with them until now. They modified the Loan, and both myself, and my wife ( through the Court because I now have Power of Attorney ) signed all Contracts and Forms, including a Form to take their Mortgage Payment from out XXXX XXXX Account automatically. I stated, emphatically, that the payment must be taken out of our Account on the first day of the XXXX, not sooner, or later. To date, they have tried to take out a payment XXXX or 7 days after the first, which I thought had ben paid as agreed in the contract, and there was not enough funds to pay the Mortgage Note. I spoke to someone who stated they he was a XXXX Representative, and stated Wells Fargo has no control on when the payment would be taken from our Account, yet ; stated he would make sure to extend the payment until the next due date, and would take it out on the first day of XXXX. This time, the payment was sent to our XXXX XXXX 4 days before the end of XXXX, which obviously would mean the payment would be returned unpaid. Yesterday, I received XXXX different Notices from Well Fargo Bank stating our Loan would be in Default unless we paid them over {$1000.00}. After speaking to yet another person, they stated I would not be in Default if I made a payment on the first of XXXX. I stated I would do this, and the lady routed my call to their Payment Center. When I spoke to the Representative, she was somewhat rude and condescending when I started I would give her my Debit Card Number for them to take the payment on the first of XXXX. The Representative stated she would not accept my card because she did not see anywhere on the paperwork that would allow me the right to make payments on this Account. Plus, she stated that there was no evidence that I had Power of Attorney for my wife, and she refused to accept a payment from me. As I said in the beginning, I signed several Contracts, along with my wife, to Modify the Mortgage Loan, and had these Contract 's Notarized by the XXXX XXXX XXXX, as well as I have full access to my wife 's Mortgage Account. Therefore, this is an obvious attempt to harass and deny me the rights given to me by the Court, and as my wife 's Power of Attorney. If I am on the Paperwork, as well as on the Contracts with my legal Signature affixed, why would anyone at ells Fargo deny me the right to make a payment? This is very concerning to me since Wells Fargo has already shown either disdain, or just plain ignorance.to the fact that I personally signed and Notarized a Contract that stated they MUST take their payment on the first day of every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is in regards to my mortgage ( Loan # XXXX ) with Wells Fargo. 

I recently had to pay {$360.00} to Wells Fargo for them to perform an appraisal of my property ( XXXX, CO ) for PMI purposes. A full appraisal was performed on XXXX/XXXX/15 and I received a copy of the final appraisal report on XXXX/XXXX/15. On XXXX/XXXX/15 Wells Fargo called me to confirm I received the appraisal report, then at that time we discussed potentially refinancing my loan given recent rate activity. The mortgage consultant I dealt with ( XXXX ) mentioned that an appraisal would be necessary for the refinance and then confirmed via email that I COULD NOT use the XXXX I just bought through them for {$360.00}. 

This appraisal is less than 30 days old, it was purchased through them, and I just paid {$360.00} for it - yet now they are telling me it is not valid and I need to turn around and re-purchase the exact same thing from them again in order to refinance my loan. This is predatory behavior and Wells Fargo is trying to take advantage of its customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Wells Fargo Bank sent a false loan verification over to XXXX XXXX in XXXX stating that I took out a loan in the amount of {$420.00}. In fact the loan was canceled in XXXX and I have proof of it, while providing that proof to the bank they have refused to send the money back that was taken. They have also retaliated by submitting false information to the credit bureau stating that this account was late and defaulted by reporting rolling XXXX lates to all three agencies. I have since disputed asking for the note that was signed for this loan amount of which they have not been able to provide.

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 2016-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo foreclosed on my home on XX/XX/XXXX but they never notified me that I had a foreclosure sale date. I lost my job XX/XX/XXXX and I was out of work for over a year and that caused us to fall behind on our mortgage. My wife ended up losing her job XX/XX/XXXX. We are both working now and we have the income to make mortgage payments, but we just didnt have the funds available to bring the loan current so we reached out to our servicer for assistance. We have been trying to get modified since XX/XX/XXXX but wells fargo didnt help us get back on track.

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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 has old account information on my credit report that is over 7 years old. I have disputed it for a long time and they refuse to remove negative item.

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 2016-07-26
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
wells fargo bank are lieing cheeting XXXX, XXXX XXXX in cahoots with judge XXXX XXXX county court, XXXX florida, usa court reporter got paid of and dissapeerd, no file? 5 year case over in 4 mins max, judge would not look at proof paymants XXXX form of proof acount in credit also co signed insurance check held by bank, my solicitor at the start of this case faxed and telephoned wells fargo cheat XXXX ceo, that there were no missed paymants and sent the proof to the court? Why has the CFPB not looked in to the court case were it is clear proof that all paymants were made and cashed by wells fargo bank this bank has been fined for fraud and falsifying documants crooks? CFPB why have you not looked into the court papers i have all the originals in paper form no matter how long it takes i will prove that wells fargo bank have committed fraud and perjury in a usa supreme court and that is for comittal for XXXX ceo [ crook ] and judge XXXX magistrate XXXX [ crook ] i have just recieved a pack of all doctered paperwork from wells fargo, they have not answered any of my numerouse question by saying, We are unable to provideany information because my questions were to broad? this is a deliberate act to cover up a act of fraud and perjury committed byXXXX XXXX ceo, i demand that the CFPB and FBI investigate this crook, he will be prosecuted in court it will come the letter pack recieved to my XXXX home dated XXXX XXXX 2016 this is XX/XX/XXXX cfpb complaint case against wells fargo bank in vestigate XXXX XXXX ceo, then you will find out what a crook you are dealing with in the mortgage world, you will never be able to move on untill this man has been prosecuted in XXXX supreme court and any body else whom helped him recieve his fat salary check .i demand him to be brougth to justice, this man has ruined XXXX familys lives in the usa i will not stop reporting this crooked bank thanks 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
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I need immediate assistance please. I 've proven to Equifax numerous times that they 're reporting " unknown medical collections '' on my credit file. They have come back and stated these items are " verified '' although they have no idenifiers. How can they verify something in which they have no information to validate? Why have n't they corrected, removed or sent me the actual information that pertains to these accounts? I do know that everything on my credit file must be accurate, complete and correct. These are not any XXXX of those. I 've also received letters stating that every single XXXX of the accounts that I have disputed with them are verified. I would like to see the proof of ownership because I do n't even think that some of these accounts are mine! I 've asked for the physical documentation that verifies the ownership to no avail. I know my rights and I 'm positive after reading lawsuits and the FCRA that the bureaus are required to have the actual documentation prior to reporting these accounts. In consideration of the fact they are saying these items are " verified '', and they are required to have these docs, there should be no problem sending to me! I understand that the bureaus are paid to report accounts, and therefore, have no incentive to remove any of them. I also know that federal law states that everything on my credit file is required to be accurate and correct. Another issue I have is that XXXX of the accounts was removed and then reinserted later without any notification as required under section XXXX! I do know that because there was no notification, they are required to remove it once again. Please see the letter that I have attached which reflects the information that I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On Saturday, XX/XX/2016 I tried paying auto note via phone but given automation. Disconnected me. I tried a second time. Told note {$430.00} rather than {$350.00}! Called again today, XX/XX/2016, and spoke to Wells Fargo XXXX to clarify why the increase. 
Told by that office and XXXX of the XXXX that late charges of {$79.00} added. I asked why when her office had set up XXXX of each month to make payments rather than XXXX. I have not gotten the results promised by Wells Fargo XXXX as also told CFPB. No record of " XXXX '' changing payment due date to XXXX said XXXX in XXXX of the 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 2015-07-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX and XXXX in the Office of Consumer Affairs told me that even though XXXX XXXX XXXX put through a deletion for my account and provided a confirmation in the form of control number XXXX, which is used as confirmation by Equifax 's business team, Equifax was still refusing to delete the information. They said even if I provided the letter from the creditor that says the item was reported as deleted, they still would not delete it. They completely refused, saying that I should file an additional dispute even though XXXX XXXX XXXX has told me they have received none of the disputes from Equifax that I have already filed. Equifax told me they would offer no relief for the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
During our closing of our house via a VA Assumption Loan ( # XXXX ) with Navy Federal Credit Union, we the XXXX 's ( sellers ) were misinformed of the meaning of escrow documents. This misinformation was the explanation of why we did not receive the remainder of our escrow upon closing. I have e-mail documentation of this misinformation between our Loan Officer XXXX XXXX as well as NFCU has notes in their system from the calls I made. In addition once we figured through this particular issue, we were informed by XXXX XXXX ( XXXX 's Supervisor ) that we did not have any money in escrow. Upon investigation we discovered that somehow XXXX XXXX XXXX after the XXXX 's ( buyers ) requested a quote sent a request for payment to Navy Federal on XX/XX/XXXX. Even though at the time the account was already paid up in our name, Navy Federal still issued a payment of {$1000.00} from our account. A payment that took our escrow account to a $ XXXX. This was flagged by Navy Federal and a letter was sent to me asking for verification. I called and explained everything on XX/XX/XXXX and was told the payment was a bulk payment and a refund would be requested. Somehow this was not done and now XXXX XXXX does not want to issue a refund unless XXXX XXXX submits a written request. 

So my main issue is and I can not understand how ; 1. XXXX XXXX was even issued this payment without first talking to the members who own the account, 2. How XXXX XXXX is able to not refund money that was not for any active policy or validation of account ; and 3. Why the XXXX 's and XXXX 's as members have to figure out how to fix XXXX Institutions mistakes instead of the XXXX Institutions saying we will take care of it and just informing us of actions taken along the way. 

So, once this payment is finally refunded then we have to battle the fact that it will be refunded back to the Escrow account which due to the assumption loan is now in the XXXX 's name. The Escrow account balance before the payment that XXXX XXXX deducted was {$750.00}, our refund of our XXXX XXXX is $ XXXX some change, which is headed back to the Escrow account. Again do to the assumption loan the escrow account is not in our ( XXXX 's ) name. How do we get this almost {$1300.00} back to us the XXXX 's? The XXXX 's and XXXX 's agree and are openly communicating about this.

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 2016-01-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wellsfargo seized my home in XXXX as it was reported to me on XXXX XXXX they claim it was abandoned though I XXXX utilities and lawn service my mortgage is CURRENT just yesterday they sent a locksmith who gave my son new keys and they proceeded to trespass on my property and take photographs of my property in essence they changed my locks left my garage door unlocked spray painted my garage door with a house number that is not mine entered into my home attached a log on my wall with a different address listed on it signed in to the log all the while my mortgage is current and without contacted me I hope you can help or direct me to someone who can

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX 2015To : XXXX/Wells Fargo Home Mortgage XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Case # XXXX, Loan Number XXXXVIOLATION OF PREDATORY LENDING1.Failure to present the loan Rate as first Negotiated by your ServicingAgent. 

2. Loan " flipping '' - frequent refinancings that result in little or noeconomic benefit to the borrower and are undertaken with the primary orsole objective of generating additional loan fees, prepayment penalties, and fees from the financing of credit-related products ; 3.Refinancings of special subsidized mortgages that result in the loss ofbeneficial loan terms ; 4.Using loan terms or structures - such as negative amortization - to makeit more difficult or impossible for borrowers to reduce or repay theirindebtedness ; 5.Using balloon payments to conceal the true burden of the financing andto force borrowers into costly refinancing transactions or foreclosures ; 6.Targeting inappropriate or excessively expensive credit products toolder borrowers, to persons who are not financially sophisticated or whomay be otherwise vulnerable to abusive practices, and to persons who couldqualify for mainstream credit products and terms ; 7.Inadequate disclosure of the true costs, risks and, where necessary, appropriateness to the borrower of loan transactions ;

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Short version : Due to series of bank errors, a credit card account was closed due to late payment. The late payment and account closure were reported to XXXX, XXXX, XXXX XXXX and XXXX. Due to this, I was denied a credit card by the credit union through which I applied. I 'm in the process of closing my accounts with Wells Fargo Bank ( WFB ) and moving them to XXXX XXXX XXXX. 

Details : My only credit card issued through Wells Fargo was stolen in XX/XX/XXXX so I was issued a replacement credit card with new account number. For automatic payment, the credit card department connected my card to a closed checking account, not my error. Ergo, the payment was denied and I was charged {$33.00} for the denied payment and then a {$15.00} late fee. The closed bank account was not attached to my savings account so that the payment was not taken from there, again, a bank error. Further, I was unaware of any of this because I never received a paper bill, my credit card account was not listed on the account summary page I frequently signed on to check on line and my credit card account did not reflect the address change I made to my account soon after the new credit card was issued. Address changes on my other accounts with the same bank were made immediately. I have done business with WFB for years and have never had any problems of this sort. It may be of interest to note that in XXXX 2016, I was given a loan through WFB for a car I bought. That loan has been paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern : My Mother XXXX XXXX XXXX passed away on XXXX XXXX, 2015. We purchased the house together and all though I am not on the mortgage note I am on the Deed of the house. We purchased the home in joint tenancy in the State of Colorado. We were advised when we bought the home that this was the best way to take title so that no formal Estate had to be established because in the event of XXXX of us passing away the ownership transferred to the survivor. Wells Fargo is making me chase my tail for an issue that can be settled. We are trying to short sale because when my Mom was sick she did not pay the mortgage and I can not afford with only my income. This is what they keep telling me : ( We need documentation that the person on the deed is able to sign for the deceased. The person on the deed is not on the loan. ) This makes absolutely no sense the only POA done for my Mother was medical and not real estate related. I did not think that we had to go through this because of joint tenancy title in the State of Colorado. If this was a normal sale they would accept my signature as the sole owner on title do not know why they are giving me such a hard time in the short sale process. Can you please help me get this issue settled??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo allowed a verbal change on XXXX XXXX, 2015, to my mortgage by XXXX XXXX. This change was processed in XXXX days as a new statement dated XXXX XXXX, 2015, was provided and attached. I contacted Wells Fargo upon receipt of the changed statement on XXXX XXXX, 2015, requesting reversion to the XXXX months for escrow shortage as required by my mortgage : XXXX. Funds for Escrow Items. I was told that my request would not be honored by Wells Fargo employee XXXX XXXX via letter. Per my XXXX complaint to cfpb, Wells Fargo accepted my requested resolution to revert to the mortgage terms, but used a random of date of XXXX/XXXX/2015 as the date of 'review '. XXXX XXXX 's request for XXXX months for escrow shortage repayment required no 'review ' by Wells Fargo XXXX Thereby, Wells Fargo deliberately delayed processing my request to adhere to the mortgage terms on XXXX/XXXX/2015 which would have allowed the XXXX day notice period of increase for a XXXX XXXX, 2015, payment increase. Wells Fargo has no standing or place in domestic situations and has banking rules and regulations that do not allow for discrimination or disparity in favor of one borrower over another. XXXX XXXX is not entitled to favorable consideration as a borrower over me ; the borrower whose income the mortgage is based on and paid by.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation