BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
WF mismanaged my money and my mortgage but now want me to make up the difference and to charge me an extra {$300.00} a month. My monthly payment was {$1000.00}, now it 's {$1300.00}. They also said that amount is due beginning XXXX XXXX, but have actually taken out the higher payments XXXX so far from my checking account, which I did not authorize them to do. In less than XXXX months they have made insurance payments to cancelled services, lost paperwork and now want me to make up the shortage, despite that I have no idea how my account could be over {$1800.00} short when I arranged my XXXX payments to cover a XXXX dollars extra than what it originally was. They sent a document that also somehow is raising my mortgage payment, even without that shortage, bto {$1100.00}. How do they get to do this? I agreed to XXXX mortgage amount, that I could afford, not XXXX that seems to be at their mercy and can be arbitrarily changed at their will even when it 's their mismanangement and XXXX customer service. I would like an investigation. I can not afford the increase in my mortgage and am tempted to let in go into foreclosure. I did not control the money it was all in their hands. In fact I did n't know their was a shortage until I got notified by XXXX about the new and higher transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE SUBMITTED A NEW AND COMPLETE MORTGAGE MODIFICATION PACKET THROUGH MY HOUSING COUNSELLOR 'S ORGANIZATION CALLED OPERATION HOPE TO WELLS FARGO BANK ON XXXX XXXX, 2015. SEE EMAIL BELOW. 
XXXX To XXXX ( WELLS FARGO 'S SINGLE POINT OF CONTACT ( SPOC ) ) CC XXXX XXXX/XXXX/15 at XXXX Hello XXXX, Attached please find a new modification request that the borrower would like to have reviewed. 
Thank You, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Office : XXXX ext. XXXX Fax : XXXX ON XXXX XXXX, 2015, I RECEIVED A LETTER FROM WELLS FARGO BANK CONFIRMING RECEIPT OF MY NEW COMPLETE MORTGAGE MODIFICATION PACKET AND WELLS FARGO HAS FOR WELL OVER ONE MONTH IGNORED THIS NEW AND COMPLETE PACKET AND HAVE FAILED TO REPLY OR REQUEST ANY ADDITIONAL INFORMATION FROM ME CONCERNING THIS NEW MORTGAGE MODIFICATION REQUEST. 
WELLS FARGO HAS VIOLATED THEIR OBLIGATION TO ENTERTAIN ALL FORECLOSURE RELIEF ALTERNATIVES AND THEY ARE RETALIATING AGAINST ME FOR ALL OF MY PAST CFPB COMPLAINTS. 
THE ATTACHED COMPLETE MODIFICATION PACKET INCLUDES NEW INCOME INFORMATION THAT WAS NEVER AVAILABLE BEFORE AND MUST NOW BE CONSIDERED BY WELLS FARGO BANK OR WELLS FARGO BANK WILL BE LIABLE FOR VIOLATING CALIFORNIA HOMEOWNERS BILL OF RIGHTS FOR FAILING TO DO SO.

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 2016-10-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I obtained all XXXX of my credit reports and my XXXX credit report shows a 90 day late payment, dated XXXX of XXXX. This is XXXX XXXX so this information is 7 years and two months old. As per the Fair Credit Reporting Act, my rights as a consumer are that a consumer reporting agency may not report negative information that is seven years old. I was denied for a conventional home mortgage due this piece of information that is not even supposed to exist on my credit report, as of 2 months ago. I need to have this remedied and appreciate your help. Thank you, XXXX XXXX XXXXXXXXXXXX

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 2016-05-12
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may Concern : I am a US Veteran in a active Bankruptcy. In XXXX XXXX, I submitted a request for a payoff from my lender Wells Fargo Home Mortgage. Wells Fargo responded to my request and sent over the payoff for the mortgage. I noticed that it was interest in the amount of {$7000.00} plus. I called and asked why do I have this much interest if I am up to date on my bankruptcy payments and I am still making monthly payment on the mortgage loan? I was informed from a representative that I am past due on my mortgage since XXXX XXXX. I explained I have been paying more than required for my mortgage and need to know if the funds have been applied? The lady told me the funds have been applied and I just need to catch up on my mortgage. I explained I am confused if I am behind on my mortgage payment would n't Wells Fargo file a motion to dismiss? She said no it will just keep accurring late charges. I said that does not make sense. Then I was forward to an escalation department regarding the issue. I asked for a payment history which I was not able to receive as of this date. Senior Vice President sent me a letter regarding they are looking to resolve this issue by XXXX, XXXX. I called to find out what is the status and was advised by XXXX ( employee of Wells Fargo Escalation Team ) that they are looking to see when I started becoming late with the mortgage. I explained to XXXX that my lateness is not the issue but the interest on the payoff. I am confused with what have they done with my monthly payments I have been making in the amount of {$1900.00} per month. The reason for the payoff is to refinance my primary home and get a lower interest rate from 6.375 to 3.875. I want to pay my debts but need to understand why I am going through this dilemma. My Bankruptcy Attorney and he was not able to get an answer. I ended up in this situation of Bankruptcy because they did not complete my modification in a timely manner. I do not want to get to the end of my bankruptcy and still owe a past due balance. Can some explain where is my monthly payment going and why is the interest so high on the payoff. It seems like I am being cheated or robbed.

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 2015-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
This has happened a few times now ... I am unable to make the payment on time, and less than a week later I start receiving an unreasonable amount of calls from Citi for payment. The calls come around every XXXX hours, every day ( even weekends ) until I make the payment. When viewing the account, the card has been assessed a late fee and the balance simply shows the accrued amount ( 2 months plus fee ) is due on the next due date. I have asked in the past for the calls to stop and state I will make the payment as soon as I am able ( my next pay check ). The phone agent simply says that the calls will stop after payment is made, and then the calls resume the following day. The practice of Citi is to harass a customer to make the payment, no matter the circumstance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: FinCo Services Inc DBA Current
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I withdrew XXXX from an ATM at XXXX in XXXX, Pa. I notified my bank that the ATM only produced XXXX but I had withdraw and had a transaction for XXXX on my account. They said I would get a credit withiny in 10 days. Its been over 30 days and there has been no credit or no resolution and nobody from the dispute team has contacted me. I have been missing over XXXX for over a month now!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home mortgage with Wells Fargo Home Mortgage ( I did not apply for a mortgage with Wells Fargo, they acquired it ). I am paying bi-weekly with additional principle added to each payment in an attempt to pay my mortgage down as much as possible before I retire in approximately 13 years. Recently ( last 6 months ) Wells Fargo has let this additional money accumulate in an " Unapplied Funds Balance '' and does not apply it to my loan balance. In XXXX I called and complained when the Unapplied Funds Balance had reached {$3500.00} ( enough for XXXX full payments ), and they finally applied the funds. Now on my XXXX statement the Unapplied Funds Balance has reached {$2600.00} ( XXXX payments ). I believe this additional money should be applied to my principle and is costing me interest charges. 

I also believe this action by Wells Fargo is intentional as a result of a previous home mortgage that they held ( acquired ) on a previous house of mine that resulted in foreclosure because we were {$80000.00} underwater on the house value after the 2008 crash and my wife 's XXXX diagnosis which resulted in her going on XXXX. We are currently in Chapter XXXX Bankruptcy as a result of this foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
RE : Reference # XXXX Complaint XXXX/XXXX/2015. Please do an extensive investigation. I checked my checking account XXXX/XXXX/2015 to find my refund from my credit company has been put into my savings account, which was suppose to go to my checking account! My credit card company does not have my savings account number nor did I give it to them, I have proof. This tells me that someone at Wells Fargo Bank is fraudulently going into my account posting transactions and taking money out. PLEASE HELP ME AND FIND OUT WHO IS DOING THIS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Please consider this a tri-fold final written request for validation and formal request under the Fair Credit Billing Act for a full accounting of all records for any and all accounts types regardless of within the your companies possession that are connected to the above referenced account numbers or, anything related to XXXX XXXX Additionally, I am requesting deletion of the trade line from my XXXX credit report if you are are unable to produce records per FCRA 623. within 20 days of receipt of this letter. This is my final request for you to respond with proper validation. Please cease and desist all collection activity and reporting on my credit reports. 

SEE ATTACHED LETTER SENT CERTIFIED MAIL. 

cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA 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 2015-08-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I sent the following letter to Wells Fargo in XXXX XXXX, Iowa requesting detailed information about my escrow accounts : XXXX XXXX, XXXX : Escrow DepartmentWells Fargo Home MortgageXXXX.XXXX XXXX XXXX, IA XXXX Sir or Madam : I request a complete and itemized break down of my escrow payments withheld from my WF mortgage payments going back to the very beginning of our association. 

Please include in your letter ALL escrow you have charged me, including property tax escrow and their individual and separate totals to the present date. 

Please include an itemized and dated list of ALL charges related to escrow of all kinds and any pertinent copies on this subject. 
I expect a reply in letter form within 10 working days. 
Thank you in advance for your time. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; I mailed that letter to Wells Fargo on XXXX XXXX, 2015. 
Federal law states that I have a right to a reply within XXXX working days, XXXX XXXX, 2015. 
On XXXX XXXX, I got a letter from Wells Fargo telling me they would reply XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the requested information PERIOD, let alone within the time limit. 
I demand that Wells Fargo BE SITED AND FINED FOR THIS VIOLATION, and I be compensated for the violation of my rights. Wells Fargo had a long history of illegal violations. The Consumer Financial Protection Bureau has been informed of their practices and have done NOTHING at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I refinanced my home with Home Point Mortgage I feel that my Escrow money was miss managed. The first year after that my mortgage payment went up almost {$300.00}. I realized that my taxes and insurance did go up so after long discussions with them about the shortage from the loan I paid. Now this year they say I am almost another XXXX in the whole. Taxes and insurance according to them went up by XXXX for the year. I will now be paying {$600.00} dollars more a month for the same fixed rate mortgage that I got XXXX years ago. The price hike is over 2 years. 

This companies shareholders sued the company and won. I see where other customers with the same mortgage provider are suffering the same problem. I would like to know how to go about stopping this ridiculous increase without sufficient evidence that they have not done something wrong when the loan started and miss use of escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: WELLS FARGO & COMPANY
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I co signed on my daughters student loan some years ago. She stopped school and I encouraged her to realize the loan would become due and to setup a repayment plan. I went into bankruptcy in XXXX but continued my own student loan payments. I assumed she was taking care of hers. My attorney listed the debt and said it would be " taken care of '' ( all my own payments were on time ). I ended bankruptcy in XXXX XXXX and the case was soncluded XXXX XXXX. I found out the loan was in default via a phone call from the collection dept and this was XX/XX/XXXX. I verified my daughter knew and was unemployed. She would get back to them. XXXX XXXX XXXX the collection agency of wells fargo took {$3600.00}. from my account via a " written check ''. I called and they said they would give back some of the money {$1400.00} but it never happened. Wells fargo cant help me as they say its a separate department and they do what they want. Now I have a direct deposit and my tax refund coming. even though they say they wont take these it appears they lie because they promised my funds returned by Tues XX/XX/XXXX.. My income has been reduced by half. Im 6 years away from retirement and losing my vision so I do worry about how long ill be able to work. I need that money.

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 2016-02-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo is reporting to the credit bureau that I have XXXX missed payments and that my account is closed??? I have paid any past due balance and my account has been current since XXXX XXXX. They are not reporting this to the credit bureaus. Also, they are stating that it is part of my bankruptcy when they were released from ( reaffirmed ) at least 4 months ago. 
Also, they are continuing to charge me PMI on my loan even though my loan started in XXXX and this was suppose to be done after 5 years. They are telling me now that my loan has to be at {$79000.00} before they will remove the PMI payment??????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, Wells Fargo allowed this unauthorized charge to come out of our checking account:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called Wells Fargo immediately and also called the XXXX number listed above. It turned out to be loan servicing for XXXX XXXX financing - XXXX XXXX. XXXX XXXX researched the charge and found that the charge went through ACH and was supposed to be a payment to them from their customer XXXX XXXX XXXX who has the same bank account number but a different routing number as we do. We made a three-way conference call with Wells Fargo and XXXX XXXX to explain the problem the same morning we discovered it - XXXX XXXX. XXXX from XXXX XXXX explained to Wells Fargo that this should n't have been charged to our account and we explained it but Wells Fargo refuses to even give us provisional credit for this huge amount of money they allowed to be withdrawn from our account. XXXX days later, we 've called them almost every day and still no refund. Please help us get our money back. By the way, we have had accounts with Wells Fargo for more than 15 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card
Issue: Other

Complaint:
I was an Authorized user on a Navy Federal Credit Union ( NFCU ) Credit Card the account went in default, I requested that all XXXX major credit bureaus remove this negative information from my account because NFCU refused to do so even after they acknowledged that I was only an Authorized user. XXXX and XXXX removed the negative information immediately. XXXX will not remove any negative information regarding NFCU I have tried twice with no luck please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Wells Fargo some time in XXXX and was offered cheaper and more convenient insurance which would be taken out with my monthly payment. I thought it was a great idea until I discovered I was lied to and this insurance only covered the bank. The policy started XXXX/XXXX/XXXX which covered XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$910.00} which they debited unknowingly to me on XXXX/XXXX/XXXX. After 3 months they increased my monthy payment from XXXX to XXXX for 10 months which I believed to be correct. ( Not knowing they also debited {$910.00} ) After I discovered they lied to me about being covered they debited another {$840.00} on XXXX/XXXX/XXXX ( again without my knowledge ) for XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I found alternate insurance from an honest company which went into effect on XXXX/XXXX/XXXX. Wells Fargo correctly credited me {$510.00} for the remainder. However, they now increased my payment again to XXXX without an explanation. On XXXX/XXXX/XXXX I requested a refund for XXXX plus {$66.00} XXXX XXXX XXXX XXXX XXXX ... they denied the request. I do n't know where else to turn after being lied to so many times prior. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Lending Club Corp
State: DC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My Lending club loan is due on the XXXX of every month. I paid the loan in XXXX installments during the month of XXXX. Lending club said I owed them money because my payment was not paid in full. I called Lending Club and they stated since the loan was in two payments and before the due date they applied the earlier payment to the principal. Lending Club stated that they could not reverse the payment and now I had to pay the balance from the previous month as well as the current balance. I asked if the had any payment plans and Lending Club stated they could not provide me with any payment arrangements and {$480.00} will be due on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, US DEPT ED Account # : XXXX, XXXX Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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