BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from Wells Fargo stating that my mortgage acct would be unavailable from XXXX XXXX due to them changing, not closing, my loan number due to new system and increased security. I paid my mortgage as I usually do when it became available again on XXXX XXXX, 2016. A few days later, I was looking at my credit report and noticed that my credit score had dropped. When looking into this, Wells Fargo had reported negative information to XXXX as my mortgage had closed or been transferred/sold. This is now listed as a " closed '' account and also a negative report on XXXX. I contacted Wells Fargo and explained this to them and they asked me to fax them the proof of the negativity, and I did. A few days later I was contacted by them and told they never received it, but I ensured them that I had the fax report that showed they received it. They explained it was the wrong number, even tho it was sent to the number they gave me. They now want me to resubmit to another number and then they will look into it. When contacting them I feel as if I am given the run around and nothing is being resolved. They continue to come up with obstacles to get this " resolved ''. It shows that I have two mortgages with Wells Fargo, one closed on XXXX/XXXX/2016 and one open, and I do not now, and have never had 2 mortgage accounts with Wells Fargo. Please help me get this removed from my credit.

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 2016-05-19
Company: WELLS FARGO & COMPANY
State: HI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX of 2014, my family relocated from XXXX to XXXX. In the process of switching bank accounts and payment information, I switched the automatic payment account information with Wells Fargo Dealer Services. Because of a time lag in processing, I missed a month 's payment. Unbeknownst to me, this has been following me ever since. I have autopayments setup and e-statements sent. At no point did I receive correspondence from Wells Fargo that the delay happened, that I was accruing late fees, and that they were reporting to the credit bureaus that I was always a month behind in my payments. It has had a severely negative affect on my score. The only reason why I found about this was because I called them about starting a new loan and the agent caught it. I am now three weeks without resolution from them and I am being charged over {$600.00} in late charges. One agent said that they had been trying to get in touch with me with the old phone number on the account and not the current one that I submitted when I updated my account information. I have followed up with phone calls only to be told that a " manager '' will get back to me. I submitted paperwork to their XXXX but heard nothing. My payment history supports my on-time payment history and how quickly I would have responded in fixing this. Their poor communication and systems management results in the consumer suffering. When I went to get a new auto loan, my score prohibited me from getting a better auto loan rate and I know it was affected by this loan.

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 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX bank account # XXXX this account is a old account and should be removed it was closed by the grantor i would like it removed i tryed to contact transunion on the matter and got no where please remove this from my transunion report 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 2016-09-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other fee

Complaint:
Macy charge me a sneaky XXXX $ minimun interest, even though i have n't use that card for months.

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 monetary relief
Consumer complaint received 2022-05-16
Company: Constar Financial Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX was sued in a class action lawsuit regarding repossessions. My debt to them for an auto loan was discharged as a result, and I received a letter as well as about {$50.00} settlement amount. Constar Financial Services , LLC is attempting to currently collect the debt that was settled in the class action lawsuit against XXXX XXXX and has already been removed from my credit report. I called them to bring this to their attention, and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account should reflect that it is 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 non-monetary relief
Consumer complaint received 2016-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear XXXX, I am seeking help to resolve home loan matter since XXXX. I filed for bankruptcy back in XXXX and was not aware that you all would not reaffirm my home loan at XXXX XXXX XXXX XXXX GA XXXX. LOAN # XXXX after chapter XXXX bankruptcy. XXXX of XXXX the house was destroyed by fired due to lightening, I have reached out to the Recovery department trying to resolve this matter as well. I have even gone as far as hiring attorney XXXX XXXX The XXXX Law Firm, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX here in XXXX Ga. to help and we XXXX continue to receive system generate letters repeated even after several request to settle this outstanding balance. I need help to this resolution. We received notification that we would have an answer by XXXX XXXX. Just today I received another letter stating XXXX XXXX. The next week we will receive another letter until we make another written request and phone call to resolve this matter. 
Can you please assist with me closing this account out in full please and restore my account with FHA lending as well. I have the check and ready to move forward with this immediately. We do n't know what to do the insurance company XXXX XXXX Insurance wants to resolve as well as we do. We have the check to resolve this matter. But being refused helped. 
Anything you could do is greatly appreciated. 
Sincerely XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have reached out to this company many times to help with the late payments they are reporting to my credit. I would like to work with the company to have the late payments removed to help me build my credit. Thanks.

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 2015-12-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My Private Wells Fargo loan is literally theft. I have been unable to have a balance budget with a {$250.00} monthly payment along with all my other debts, bills, and living expenses. My city 's living expenses are going up, making it difficult on a bi-weekly basis to have money to eat. Also, making difficult to save money to pursue my passion of music, as it was reason for me to pursue a college degree and required this loan. Spoke with the Loans Consolidation department and the Loan Modification department to lower my payments, to only discover that I can not, because " I have enough income to pay their monthly cost ''. This is due to the fact that they do n't consider a few of my other debts as a recognizable problem ( e.g. XXXX XXXX loans ). I am in need to remove my co-signer, lower monthly payments and interest rates, so I may have more money for living expenses and money to support my music career. This way, I have the means to create a secondary income to further make it possible to take care of debts. This private loan is theft and the standards are too high, in order require to consolidate/refinance or lower monthly payments.

Company public response: Company 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: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
instead of lowering my payment when I got behind the bank got me a modification and raised my payments plus hassle me on the phone.

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 2015-08-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Late fee

Complaint:
Wells Fargo never sent a bill for my {$31.00} payment for XXXX 2015. I looked for it. It never came. I moved and sent my new address to them on the other wells fargo bill that i had. They sent me a bill for the {$31.00} and XXXX charge and a {$25.00} late fee. It was due XXXX XXXX. I called XXXX XXXX, spoke to a lady named XXXX and told her how they never sent a bill then XXXX billed and gave a late fee. She said just send {$63.00} today and i will remove late fee. I gave my bank card numbers. It was paid. In XXXX Wells Fargo sent me a new bill for {$92.00} with a {$35.00} late fee and past due amount of {$21.00}. I called and a man from Wells Fargo told me that she made a mistake, the late fee gets deducted from the total amount and that i owe {$92.00}. I told him thats not fair, they never sent me a bill and almost {$100.00} for the month is a lot to pay for a bill thats only {$900.00} .He says well you can send XXXX now and the other before the XXXX. I sent {$40.00} at that time. They sent me a note asking for {$25.00} more. I sent a check for {$25.00}. They sent a new bill for {$100.00} charging a past due amount of {$52.00} and a {$35.00} late fee. I called the service says i owe {$83.00} by XXXX XXXX. I feel the late fees are unfair. why didnt they say the right amount in the last letter? What happened to XXXX bill? I should not have been charged late fees. All of this is on my credit report also. These increases and late fees are unfair. Can you help? Thank You XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was sent a bill from a collection agency on behalf of XXXX XXXX. They claim I opened an account on XXXX/XXXX/14 in my name.I did no such thing. I am the owner and landlord of the building and the unit in question was vacant. One tenant had moved out and I was waiting for another to move in. They claim I closed the account on XXXX/XXXX/14 and again I did no such thing. Some time thereafter a bill was issued in my name and eventually sent to a collection agency. If I had done any of the above i would certainly have them mail a statement to my primary address. I paid the bill after the company shut the gas off and I became aware of the problem. I do n't know who or how XXXX XXXX received my name and issued me the bill. It should have been transferred from one tenant to the next or at the least sent to my primary address to make me aware. I have an account at my primary address for over 20 years and have never been late on a payment with them. As it is my building and the unit was vacant I felt compelled to pay the bill so the next tenant could start their gas service. Transunion was notified twice about this and basically did nothing to remedy the situation. Repeated attempts calling XXXX XXXX also got me nowhere as they said it was out of there hands. Hopefully someone on your end can get XXXX XXXX to rectify their mistake and correct this transgression.

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 2015-06-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a follow up to a previous case filed with the CFPB. 

In XXXX, XXXX the HAMP & HARP programs were being covered heavily in the media, so I called the number advertised to find out if our mortgage might be eligible for a modification. I soon found out that though our paperwork from Wachovia ( now owned by Wells Fargo ) said MORTGAGE across the top, we had a home equity loan which was not eligible. 

I contacted the State of Florida and not long after was contacted by XXXX XXXX from the XXXX office. By XXXX XXXX, things seemed to start rolling. We were formally switched in the Wells Fargo System to a mortgage. But it took them 2 YEARS to do the modification! 

We complied with every request and their " trial period '' payment changes. We were always XXXX month AHEAD in our payments. Never behind. Our payments sat in " unapplied funds '' for months. They even failed to pay our property taxes in a timely manner. Towards the end of the ordeal my husband and I received endless " robo '' collection calls to our home and cell phones. We must of explained our situation to over XXXX different employees to no avail. Calls were coming while I was sitting with my father in the hospital. It was extremely stressful! My husband and I finally stopped answering our phones after both completely losing our tempers with employees. 

I eventually filed a complaint with the Consumer Financial Protection Bureau and suddenly Wells Fargo was on it again. They finally modified the mortgage in XXXX, but I just do n't feel like it was handled correctly. My property taxes the past two years seem really off. I had a local accountant review the numbers and was basically told the accounting is n't anywhere close to be correct. 

My dad and husband both had serious health issues last year and into the beginning of XXXX which kept me from addressing this issue until now. 

We feel Fair Debt Collection Practices Act were clearly violated in our situation as we were being HOUNDED for past due money that was not past due at all, but incorrectly accounted for within Wells Fargo 's own system. I also found that XXXX Wells Fargo Bank sounds a LOT like our case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was scammed from the Internet of {$40000.00} from my Former WELLS Fargo bank account including my credit Card. The bank did nothing to stop these professional scammers from taking the money out of both by checking account and credit card. They made me believe that they were putting money in my account so I could sent it to their in-need relatives in XXXX. IN reality they were removing all the money from my bank account. The bank has denied all my requests for help. Now they want me to pay them over {$10000.00} for credit transfers I did not make.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a comlaint XXXX XXXX, # XXXX. I did receive a call the next day from the mortgage co. They promised to follow-up, but have not. In the mean time they have listed our property for foreclosure. We have not been given a clear reason as to why the loan modification was declined. The loan servicer who called was unsure why the underwritter dnied modification. We were told that a conference cll would be set up for us to speak with the underwritters. This has not happened. If foreclosure is the only option, then ok. But we have not been given an adequate explanation for denial or explained the appeal process or allowed to seek other options, i.e. short sale. It seems as if the mortgage company is delioberately not returning our calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had an ACH automatic payment that appeared on my account on Monday XXXX/XXXX/2016 in the amount of {$450.00}. When I checked my account that transaction had NOT posted to my account and was pending. I went to the bank and made a CASH deposit to cover the check. Both would have posted during the nightly update. I talked to two different employees and recorded two different answers. The supervisor I spoke with was XXXX XXXX who would not give her ID number. As you can see by the attached picture I have a {$0.00} balance which included the {$450.00} deposit. This is with ALL pending items.

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 2016-09-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
wells fargo refuses to give me the title company information wells fargo falsified my title to allow the modification. 
Wells Fargo is skirting around the title issue. they provided a XXXX page title saying this is all they found when they completed the modification a judgement. judgements do not go on title liens do. 
there were XXXX and attached is XXXX pages showing the total title wells neglected to obtain. if the title company had completed there job properly these would have been found and addressed over 2 years ago when the modification started. they say everyone else is wrong but them. 
they saw the errors, the now about the phone calls I received to redo modification papers 6 months later, they know there was XXXX XXXX title insurance on my policy when I took my mortgage out. XXXX XXXX covers : XXXX ) If the declaration creates a lien for maintenance assessments, all assessments outstanding for the period of time prior to closing must be paid and the declaration must state that the assessment lien is subordinate to the lien of the insured mortgage. In the states of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX state law provides that certain condominium assessments have priority over first mortgages. In those states, do not issue the XXXX Endorsement XXXX on first mortgages unless you delete paragraph XXXX or unless you add an exception pursuant to our local underwriting guidelines ; otherwise, you should issue the XXXX XXXX endorsement in those states or you should secure specific underwriter approval. In many states, assessment liens are superior to all mortgages except first mortgages. In all states issue only the XXXX XXXX endorsement on Loan policies covering subordinate mortgages unless you secure Underwriter approval to issue the XXXX XXXX endorsement. 

so again wells takes no responsibility for there mistakes. 

I will be calling XXXX to discuss the errors and refusal by Wells Fargo to deal with there errors properly. 

by closing this case and saying there was nothing you did wrong is a joke. 
I do not believe this was handled properly at all by anyone at wells fargo. 
so now I take my fight higher since YOU STILL DO NOT CARE HOW YOU FALSIFY DOCUMENTATION AND THEM BLAME A BORROWER, advise why title was changed, advise why you did n't provide the liens - there are no XXXX different title reports and it is not based on the county since the same title companies provided the paperwork but yours did n't show the truth.

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 2015-07-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of 2015 we received from Wells Fargo Bank an advertisement to refinance our home loan for 20 years at a fixed rate of 3.25 %. Being that refinancing would save us $ XXXX, our monthly payments would decrease, and we had 20 years left on our original mortgage, It would only make since to apply for the refinancing. 
We applied for the loan, paid the required fees and were told that the loan was approved. Wells Fargo Bank has now reschedule the closing of the loan XXXX times stating each time that they need more information from us, information that they have previously been sent. XXXX times I have been called back to my home from out of town to close only to be told the closing has been postponed. It appears that the bank is stalling with the offer that was made in hopes that we would decide not to refinance so that we would lose all money we have paid so far and also that since we applied for the 3.25 % loan it has now increased to XXXX and higher. During my last phone conversation I was ask if I wanted to stop the application process, but I would lose all the fees I had paid. Seems that something is not right here with Wells Fargo Bank. This process started in XXXX 2015 and it is now XXXX 2015. Looks to be a bait and switch or just a way for Wells Fargo to attempt to take ones money by hoping they will eventually give up on the loan application and forfeit all that has been invested in the application! I wonder how many others have been drawn into this scam?

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