BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have an auto loan with wells fargo dealer services loan # XXXX. Due to my husbands job loss and injury I did fall a few months behind on vehicle payments. The problem is that I have been making payments but Wells Fargo does not appear to be applying my payments correctly. I made a payment of XXXX/XXXX/16 for {$300.00} which they told me was for XXXX 2016, however, they took the payment and my account still shows due for XXXX but yet the total amount due on my account information with them on their website shows {$760.00} which totals the XXXX and XXXX 2016 payments plus late fees. When ever I call about my account, I verbally verify with them what month I am paying and on XXXX XXXX they told me I owed for XXXX 2016 and I made a payment of XXXX XXXX. My concern is that they are not applying my payments correctly and I ca n't seem to verify what month I owe for. Every time I call, I get a different answer and their response from their collections supervisor is it does n't matter what month I owe for and I better make a payment. I am making another payment on XXXX/XXXX/16 but I have a right to honest answers regarding my account and when I login in to my online account for the loan, I should see information that is current but it is deceptive and misleading. In addition, they call and harass my husband who is not even on the loan. I addressed this with them that their employee who calls herself XXXX keeps calling my husband and all they say is yes a XXXX works there but they have not called my husband. However, they have called him several times and have left voicemail messages on my husbands cellular voicemail

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is a follows Name : This is my legal name : XXXX XXXX XXXX Please delete other references names as they are not mine and I have never used any of them Address : please be sure that address is listed correctly. My address should be read : XXXX XXXX XXXX, XXXX PA XXXX Employer- N/A Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my identification card, for your verification.

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 2016-09-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I obtained a Wells Fargo Home loan in 2005, at the time Wells Fargo loan officer informed that I did not make enough money to pay for said loan and advised and obtained a Home equity line of credit to help me make my payments. When I asked her how this was going to help me she informed me that the housing market is climbing so fast that I can refinance the loan in about a year at lower rates and combine the loans and I would pay the same monthly mortgage. 
When interest rates started dropping and housing market crashed I desperately tried to get Wells Fargo to re-finance my loan at a lower interest rate. They refused and said the house was under water and they continued to withdraw $ XXXX XXXX dollars a month interest charge on the home equity line, about XXXX dollars later after they sucked up all the remaining equity from my house. I attempted to re-finance several times and combine the loans but they would not reduce my interest rate XXXX to make my house affordable and kept withdrawing the interest from the home equity line of credit that they gave me. 
I feel that Wells Fargo duped me into a interest only loan at a high rate and said I could not afford it and gave me a equity line of credit knowing that this would drive my home further under water. 
10 years later and XXXX in interest fees on the Home equity line of credit Wells Fargo re-financed my loan after the housing market went up. They combined the XXXX loans and now I am stuck paying for a Home Equity line of credit that I did not ask for and Wells fargo took all the money out for there interest. As soon as the Home equity line of credit was tapped out they re-financed my loan. I am now in debt XXXX more than my original loan beacuse of the interest that Wells Fargo took every month from the equity account. 
When I asked the Loan officer why she did this she informed me that at the time I did not make enough money to pay for XXXX XXXX mortgage. If I did not make enough money to pay for my first how did they give me a second? which put me into more debt. 
I feel Wells Fargo Loan officer conducted Predatory lending and after seeing all the fraud that Wells Fargo has done in the last few years I am convinced that I was part of that fraud. 
I ask the Consumer Protection Bureau look in this matter and see how I was qualified for a XXXX line of credit to pay to Wells fargo in interest and how if I was not able to afford my first mortgage how they expected me to pay a second.

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 2015-12-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This evening I returned a required phone call received from the Executive offices at XXXX XXXX standard time. While the phone call came in at XXXX XXXX ( Afternoon ), while at work from XXXX XXXX to XXXX XXXX. It is impossible for me to receive outside calls, other than work related phone calls. In my position of XXXX XXXX, working with XXXX XXXX and relaying this information to Wells Fargo Home Mortgage. I can not receive personal phone calls, which could hinder and possibly place the contractors, with whom I observe and protect, place them in grave danger. So being released early from duty today, I was able to reach out and phone my point of contact, XXXX XXXX XXXX ( XXXX ) XXXX XXXX. Although XXXX XXXX was not currently available, I left a voicemail, then called back and spoke with XXXX XXXX # XXXX, of the Executive Offices. She relayed that XXXX XXXX was indeed not available and forwarded an email. I then phoned the office of Return Mail Operations, with whom I received correspondence today, with the date of XXXX XXXX, 2015. I spoke with XXXX # XXXX ( XXXX ) XXXX of XXXX XXXX, California, I inquired as to the validity of which offices are in correspondence with the Executive Offices. XXXX # XXXX informed me that this office serves, The Bankruptcy Department, Loan Servicing and Wells Fargo Home Mortgage. Additionally these letters are sent from what XXXX describes as the ( Back Offices ). Which there are several, but this letter was said to have came from XXXX XXXX, IA. I was said to have a balance owed of {$1900.00}, yet made deposits of {$490.00}, {$820.00} and {$1100.00}, which total {$2400.00}. In the letter it states that there is a balance of {$540.00} and that they do not accept partial payments and that the remaining balance of {$280.00} is needed. When I spoke with XXXX # XXXX, I asked specific questions as to the communication of his offices and the Executive Offices, so that I can come to the conclusion that all offices share the same information. If the payments of {$2.00}, XXXX were made on XXXX XXXX, 2015, why would I owe {$1900.00}?. When speaking with XXXX XXXX # XXXX and leaving a voicemail with XXXX XXXX, I hereby requested a full and thorough audit of all bank deposits and money placed into my mortgage accounts. The frustration that I receive on a daily basis from the Wells Fargo Home Mortgage team, boarders on bullying and harassment, due to the fact that not one person has taken the time to place an email, phone call, bank manager, anything to clarify whether or not any of these payments and or deposits have been made. I requested everything in writing, choosing not to go over my bill with someone who has not taken the time to do any research whatsoever. According to my math, these numbers from my deposits do not add up.

Company public response: Company 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: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2015 I have received a phone call. It was an automated call saying that I have to call back, because it is a legal matter and if I dont call back I will be penalized and sued in the court. I called back to the provided number only to find that it was a collection agency that said I have to pay them now, I checked my credit report and turns out that an old bank account had put m eon collection for {$140.00} total but the collection agency requested over one thousand dollars from me. They said that I have to pay now or go to court because they already filed a lawsuit with the court. They also suggested that if I ca n't sign for the papers today ( that same day ) I can call a number to change the delivery date. I called that number and they sent me to talk to the manager. He cursed at me, used unbelievable profanity and requested that I pay them now. I said that I dont even know who they were, what account I owed money for and that they need to send me papers to see along with advertised lawsuit that was " filed '' by the collection agency. They just hanged up on me. I called back and that same person again used profanity against me, when all I wanted to know who they were and some proof on the amount they requested. He then threatened me that he will sue me and that I will go to court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells fargo has lost my paper work for over 5 years for a loan mod. They are now foreclosing on me and I have no other choice but to sell. But they are not letting me sell. they are foreclosing! I have asked them for a HAFA short sale but they are selling my home. I have attached my hardship letter and other documents for your review. I would like to be at least considered for a HAFA short sale. It has taken them so long they want me to pay for their mistake in loosing my documents for what I got behind with. it 's their fault. I have a real estate agent who listed my home yesterday. 

Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Here I am complaining against the unfair experience from its home Mortgage in XXXX XXXX XXXX XXXX, in XXXX Arizona. 

I started the application from XXXX XXXX, with the trust for the best service from the XXXX. XXXX Mortgage bank in the country. Finally, it was the worst decision I have ever made in my life. 

The team rejected the application for the commitment in the first place just because the underwriter ignored my visa in the file. Now looking back, I shall have abandoned Wells Fargo at that moment. 

I found out reason, and ask the team to fix the mistake. Finally, commitment was issued. Shall I blame myself since I lost the commitment contingency? 

The real nightmare started from that moment. The underwriter kept asking for new stuff on the daily basis. I tried my best to cooperate and handed over the files mostly in 2 hours. But their process was so low that the seller had to grant me the extension for three times. The whole underwriting procedure was endless, with new request popped up again and again. No one gave me the firm answer about when the final approval shall be cleared, but only told me it should be good. 

On last Friday, XXXX XXXX, XXXX days behind the date of Essence, WF gave me nothing but a deny, without any reason except the number to the Customer Care XXXX XXXX. 

With the hope to change your decision, because I believe my file is stronger than most of your applicant, I dialed the number to find out the reason. I was hoping there shall be some professional staff finally reward me the justice. But after 10 hours, what I got is only two words " Unacceptable Assets ''. No further details. The fellow there performed like a recorder and only can tell me " I do n't know '' and " I can not ''. 

I felt I have been discriminated by Wells Fargo. And such unfairness has put my deal and deposit under the risk. I am suffering the financially loss and waste of my time. I will not touch Wells Fargo anymore, for both personal issue, and work purpose. I will tell everyone to get away from Wells Fargo by all means.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Fidelity National Financial, Inc
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with XXXX XXXX XXXX due to negligence from XXXX XXXX, title company and XXXX XXXX XXXX. 
" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXX : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the XXXX to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX, Book XXXX, Page XXXX mortgage to XXXX was eventually assigned to XXXX XXXX Bank XXXX Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said Registry in Book XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XXXX XXXX and XXXX, XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX was not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts XXXX XXXX Court in the case of XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale XXXX and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in Book XXXX. XXXX XXXX who bought the property from XXXX XXXX XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern : I began the process of a short sale with Bank of America on XX/XX/XXXX, over 1 year ago. After 9 months of XXXX valuations, uploading and re-uploading docs already sent, numerous escalations and a complaint with the CFPB, BOA finally approved the short sale and sent closing docs to title in XX/XX/XXXX. Close of escrow per BOX needed to happen no later than XX/XX/XXXX. Unfortunately, because BOA and its 3rd party negotiator did not process my request for SS in a timely manner, the buyer of XXXX XXXX XXXX XXXX # XXXX, XXXX, Az, walked away from the contract ( XX/XX/XXXX ). My realtor quickly put the property back on the market, received a new contract ( {$2000.00} less than prior contract ), and I once again completed the required hardship forms, authorizations, etc, which were uploaded back in the XXXX system. In my hardship letter, I specifically asked that all documents go to the prior Office of the President Negotiator, XXXX XXXX, so that the process could keep moving forward. Once again, this did not happen, an entirely new Short Sale request was opened, and we started from square one with a new 3rd party negotiator. The same series of events are happening, requests for docs already signed, then someone does n't like a date, or they say realtor needs to resign forms, and now, oh we need yet another valuation. We knew that the last valuation was done in XX/XX/XXXX, and yet now in XX/XX/XXXX the negotiator has realized that valuation has expired. XXXX XXXX, negotiator has communicated with me better than anyone over the last year, however, we need BOA, Investor and MI approval QUICKLY, due to a foreclosure date of XX/XX/XXXX being set. At the time I began the SS over a year ago, I had a job and tried to manage my payments. However since that time, I have lost that job, now am on unemployment, and am simply running out of time to get this done prior to a foreclosure date. MY REALTOR DID SECURE A RENTER FOR THE PROPERTY, SO IT IS TENANT OCCUPIED AT THIS TIME BY A XXXX VETERAN. Please note that this Veterans Rent is paid by XXXX, City of XXXX, and should this foreclosure happen ... ..Bank of America will be putting a Veteran back out on the street. We would not be at this juncture, had someone processed all XXXX attempts at this SS in a timely manner. I am asking once again that XXXX XXXX, negotiator with BOA Office of the President, step in and get this SS to all appropriate parties for approval. There was an issue with Mortgage Insurance approval ( placed on the XXXX loan without my knowledge after origination ), which will need to be addressed again. One would think it would be more financially advantageous for Bank of America to accept and approve a Short Sale rather than have the cost of the property moving through foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
to start with, i put a complaint in your company back around XXXX or XXXX when i spoke to someone at that office he did see the complaint and at the time, your office did nothing about it. he now told me that the office has gotten better and something is done about it. the items i am attaching maybe some of what i sent the first time. i was ejected out of my home that was worth more than what i owed. they have sold my house for more than what was owed and i have not recieved XXXX cents for the overage. i want my house back or i want double the money they sold it for. the documentation i am sending you shows how i was trying to get a loan modification under the XXXX program, ( which i attached the guidelines ) and they did not follow any of the rules. they were over and over asking for conditions or as you may know them as documentations and on the same day, asking me for conditions. i never ever recieved anything stating i was denied and the proof is how they are autioning off my home and asking for conditions. I hope this is not just another runaround like i got all those years. FROM XXXX XXXX, OCC, XXXX XXXX XXXX, XXXX, Legal Aide and even your office at the time. the sad part was I had no extra money to hire an attorney and that is what the banks knew and of course all the offices i just mentioned just bounced me and did nothing. I had just lost my husband and put out on the street. for answers below, foreclosure YES, concern about foreclosure THEY DID IT, FYI, i have done modifications for people, if your home is worth more than what you owe, they will not give you a modification!!!! i saw it happen including mine. I would just like to see if anything changed and if I really get HELP this time! I did not get any help from XXXX till 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 2016-05-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This company continues to call me on my personal cell phone. I have been really sick and they just continue to annoy me. I realize I 'm owing them money, but they are not going to get it any faster by annoying me with countless phone calls. They are calling in the morning. They are calling me while I 'm shopping in a store. They call at dinner time. All through the day! I want my personal cell phone number removed from all creditors. I am unemployed and I am doing the best I can with my bills. Please make them stop! 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 non-monetary relief
Consumer complaint received 2016-07-16
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I asked for a loan modification for my mortgage with Wells Fargo because I could no longer meet my payment schedule. I asked for a 40 month loan extension and I did not seek forgiveness. I simply requested a longer schedule which would reduce my monthly payments and pay the full mortgage debt. For 10 months I have been run around. The length of the explanation is too long for this space and I am attaching another document that recaptures the myriad of problems.

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 2016-01-29
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX XXXX XXXX XXXX hard inquiries that appear on my Equifax credit report XXXX and XXXX XXXX XXXX XXXX hard inquiry on my TransUnion credit report ( XXXX ). 
I have no knowledge of these inquiries. These inquiries were not authorized by me. My middle initial is " XXXX '' and I think my information my be confused with someone who has the middle initial of " XXXX '' Please advise.

Company response to consumer: Closed with explanation