BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX acquired a mortgage, fell into some financial hardships and after exhausting her savings was no longer able to make another mortgage payment. She applied for several mortgage modifications unsuccessfully with Wells Fargo. At this point, the borrowers hired an attorney 's office to save their property. After receiving a denial for the modification we submitted, the lender refused us an appeal and has the property on the auction for sale.

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 2021-03-08
Company: ALLY FINANCIAL INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is update on my ongoing /pending complaint on XX/XX/2021 at XXXXXXXX XXXX - I received a voice message from Ally Executive Customer Relation DeptXXXX  XXXX stating to return her call at XXXX. Call back at XXXX & specifically ask for her. Rep will IM or email to her. 
XX/XX/2021 at XXXX I attempted to return her call and informed Rep about the message left. Spoke with XXXX # XXXX MsXXXX XXXX she transferred to me Different dept. Spoke with XXXX XXXX # DMQ- She transferred to me again & then got disconnected. In otherward, I have not been able to speak with the person who called me.

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 2021-03-09
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: Information belongs to someone else

Complaint:
I have Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my report

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 2016-04-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Some one hack my dibit card I told them I did n't make the purchase but they paid it any way, resort for every bill came due they added fees for over draft, then my automatic was deactivated and my bills was not being paid which was report to the reporting companys, no told me automatic was deactivated and late was being reported and late fee'e add to amount due to me account. This whole problem could have been avoided if the credit union had not paid a bill due to hack I received an email about the purchase I replied by I did n't make are authorized the purchase, I called the credit union and told them I did n't make the purchase, at that point it had not been paid even after them I did n't make the purchase they still paid it and added overdraft fees for all bills that needed to be paid by automatic pay from my checking account everyday checking, and then they deactivated the account with out notice and my bills was not being paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Wells Fargo XXXX X XXXX and attempted to get information regarding " how to remove myself from the FHA Caivrs reporting system ''? I Filed XXXX BK in 2009 and WF has not foreclosed on the property nor has a foreclosure date to note. My info should not be associated with the FHA CAIVRS reporting as I was relieved from the obligation of debt via BK in 2009. I had the pleasure of speaking with XXXX in the Home Preservation Dept who engaged XXXX/Mgr to assist. XXXX informed me that they were going to set up a call back for tomorrow as the dept i needed was closed. XXXX/mgr then gets on the phone ( nasty tone ) to say no, you can send in a written request via fax # XXXX of your dispute ( as if my verbal is not being recorded ) and someone will get back to you in 7-10 days. He also attempted to give me a mailing address ( really in this day and age )? So I proceeded to call back and speak with XXXX, my original target who was nice at first, said he would give me the number to call in the morning, puts me on hold and then comes back with the same nasty script that XXXX/Mgr had clearly given him. I thanked him for his non assistance and hung up. Wells Fargo needs to be held accountable for damaging the economy and for simply being rude to their consumers.

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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am requesting an updated report on my credit file and dispute results from my recent dispute ... 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX {$500.00} not mine XXXX XXXX XXXX {$500.00} not mine XXXX XXXX XXXX {$1700.00} not mine INQUIRIES XXXX/XXXX XX/XX/19 unauthorized XXXX XXXX XX/XX/19 unauthorized XXXX XXXX XX/XX/19 unauthorized

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 2021-03-09
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This may be considered as a double complaint. I have been trying for several years both with my servicer and my attorneys office who processed my bankruptcy to have my mortgage payments report on my credit bureau. I filed in XXXX of XXXX. I was not aware that there were additional steps that should have been taken to be sure my mortgage was reaffirmed. I reached out to my attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX and inquired as to why my payments were no longer being reported on my credit. I have also contacted my servicer XXXX mortgage with no progress from either party. This has caused me great hardship and has effected my ability to refinance my property. Im reaching out for assistance in having the mortgage servicer to report my on time payments. I have not been late on my payment since XXXX. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Debt was discharged ( cancelled ) by the bank ; on or about XXXX, a XXXX sent by Wells Fargo to IRS stating balance of {$4800.00} as taxable. 

Now I am receiving repeated harassing phone calls trying to collect debt, as well as a letter from Wells Fargo filled with inaccurate detailing of situation. 

Have responded in attempt to rectify their records. No response back as yet.

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 2016-09-16
Company: WELLS FARGO & COMPANY
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Reported that I had a fraudulent account ( checking account ) with Wells Fargo back in XXXX of 2016. I have a benefit that allows for a Fraud advocate to help me. We provided all the documentation to advise I was a victim of ID Theft, including a police report and ID Theft Affidavit as well as other documents. We were told in XXXX of the offices that this was resolved as fraud, but come to find out they did not resolve it, but sold it off to a collection company during the time they were investigating the debt or after they told me it was resolved as fraud. Case XXXX acct # 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 2016-06-24
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
i was approved for a loan by wells Fargo for the amount of XXXX to purchase a home from my uncle they needed a signed gift of equity letter but my uncle refused to sign it then the bank said they would have to issue a loan differently XXXX set up a loan with XXXX percent down and a escrow account 2 weeks before closing he said the underwriter needed XXXX percent down of which i did not have then he recommended rerunning my credit score without telling me if it was lower he would not provide the loan nothing change on my credit score as far as i knew except some bills were removed from collections as i have paid them off then he said my score was a XXXX but when i checked it was a XXXX so he declined to give me the loan he sent me to a credit union for twice the interest but too late for the closing now my uncle terminated the offer to purchase i wish to sue wells Fargo for the loan amount to find another home as i believe they discriminated against me

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 2015-05-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Today I attempted to make mortgage payment from my checking accounts just to learn that all personal accounts and accounts I manage for couple of LLCs at Wells Fargo Bank are blocked for financial transaction. After several attempts to find out what happen I have learned that on Sunday XXXX XXXX bank has blocked all my accounts. Finally after XXXX hours lost I was able to get information that bank is investigating some transactions. Every dollar that enters and leaves my account is accounted for and trackable to source of origin. I am not conducting any illegal practices and bank does not have grounds of any source to hold my funds especially since they are declining to communicate with me. This need to be resolved ASAP as I need to feed my family and pay my bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo has apparently been charging us " late '' fees that are actually " early '' fees because we are paying too early. We set up auto pay to be synced to my wife 's pay cycle, but Well 's Fargo decided this was too early in the month so just started racking up {$35.00} fees without any correspondence or notification of an issue. Is this legal? We have many consumer credit accounts and no one has ever penalized us for paying too early.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX is complaining that she is the part owner of premises. That XXXX XXXX was a constructive trustee. That ASC ( the servicer ) has failed to assist her or XXXX XXXX to keep the home. The investor is XXXX. Although I have been authorized on the account. XXXX has reported and continues to report negative information regarding this account against XXXX XXXX although there information is incorrect. Please note that this lender has not submitted to any proof of debt, standing and/or default of the terms of loan. In fact I believe that the original note no longer exists and the are attempting to foreclose with a electronic note scanned and altered. There is currently a scheduled foreclosure auction on XXXX XXXX, 2015. I would like for the auction to be stopped pending investigation, negative reporting stopped and for a copy of all credit files including mortgage and mortgage not be sent to me. Please note I have on XXXX/XXXX/2015 i filed a complaint # XXXX however I made a mistake with the name of the lender. It 's the same complaint. Please stop the sale date until we find a solution

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: WELLS FARGO & COMPANY
State: OH
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 graduated from XXXX XXXX University in XXXX of XXXX. I have been on the search for jobs since I was let go at my former XXXX ( I am a XXXX ) almost a year ago. Back in XXXX I had submitted a complaint with the XXXX about Wells Fargo reneging on the in-school forbearance policy and was able to get them to defer it until I had properly graduated. I told them what my official date of graduation would be ( XXXX XXXX, XXXX ) and according to my account information on XXXX my forbearance period was shown to hold until XXXX of XXXX. 
Much to my surprise I received notification by mail on XXXX/XXXX/XXXX that they are once again reneging on a documented date of forbearance claiming that I had graduated and thus the date was updated. I totally agree that in-school forbearance should only last until I 'm out of school however, I had electronic data telling me that my forbearance would be good until XXXX of XXXX. Given that I do not have a job yet ( but am closing in on a few ) I really needed at least 6 months of forbearance after I graduated to give me time to find and settle into a job, at which point it was my intention to start paying on this private loan. 
But it is my opinion, and no doubt the opinion of countless other consumers, that spontaneously changing due dates on a whim is EXTREMELY bad business practice and should be illegal ( if it is n't already? ). Wells Fargo had the date of my graduation and if they intended on cancelling my forbearance after my graduation date then that date should have been the XXXX on my Wells Fargo account showing me when exactly I should expect to need to start paying. 
Nonetheless, I had called on XXXX/XXXX/XXXX to confirm all of this and inquire about getting a deferment based on unemployment or whatever could postpone me until I find a career and was told that the maximum deferment period would only be two months and that I needed to make a " good faith payment '' in order to be CONSIDERED for said forbearance ( i.e. it was n't a guarantee ). Luckily I 'm aware that if I type in " Wells Fargo XXXX me on forbearance good faith payment '' into XXXX and other consumer-watchful searches I could come up with dozens of people that have had this " Good Faith Payment '' backfire on them. 
The bottom line is that Wells Fargo is not being considerate of their consumers that are recent graduates and are reneging and changing due dates whimsically ; its unprofessional and should be illegal. And the requirement of having to make a " good faith payment '' in order to be considered for forbearance makes no rational sense ( if I had money to make a payment, why would I need forbearance in the XXXX place? ) and is highly suspect. Please do something about this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I moved from XXXX to XXXX to start a business. I have never worked for this company. For the last 4 months, people from XXXX XXXX XXXX XXXX XXXX have been calling me telling me to pay them money. I have never gotten money from them. They keep telling me that I was an insurance agent for they company. I have explained to them over and over that I took a XXXX Insurance Agent test but I have never worked as an insurance agent. Today XXXX XXXX, 2016, I received an alert from XXXX that XXXX XXXX XXXX XXXX XXXX has reported an account as unpaid. I do n't know what 's going on. This company is committing fraud because I have never worked or received money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have received a wire transfer and unclear why the bank reserves 1 ) 5 days to give access to funds even though the money is available within hours as the transmitting bank has confirmed the direct receipt 2 ) Unable to confirm receipt of funds at all for the 5 day period, even though the transmitting bank is able to confirm it was sent 3 ) Can then also justify a {$25.00} fee which they are unable to substantiate the precise " cost '' to them and when they are able to make money off the funds for 5 days alone and demonstrate no actual " cost ''

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 2015-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I did enter in a Vehicle loan by a vendor which used tactics which make the whole process a nightmare. Over time, I did have to contact the bank ( XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX ) to renegotiate the loan due to financial hardship issues in my family. 

Per some unknown reason, the bank keep denying the process without any reason. 
When I contacted them ( several times ) l the bank asked me to find a " loan assistance specialist '' from the closest branch office. 

When I went there and explain the issue to this " specialist '', the only thing he did was pickup the phone and dial the same phone number which I did previously contacted. 

This time, they defer one single payment to 30 days more and they asked me to request " refinance '' via an on-line process. This last was denied without clear reason and I still asking them for help which they keep denying. 

Is there any way to get any help from this bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: WELLS FARGO & COMPANY
State: VT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo dealer services is reporting a 60 day late on all credit reports. I was told by XXXX in their collections department that if I paid a set amount they would move my XX/XX/XXXX payment to the end of my loan and I would not receive a late mark on my credit. Wells Fargo did not follow through and I now have a 60 Day late mark, even though I completed everything that was asked of me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Peter Roberts & Associates, Inc.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Medical services were provided in XXXX 2015. Those services were put on a payment arrangement. I did not know that the 3rd party vendor was not a part of those payment arrangements, so it went to collections. The clinic forwarded the wrong mailing address to the 3rd party, so no bills were ever received by me. 

The collections agency called me XX/XX/XXXX ( used my maiden name ), then called XX/XX/XXXX ( by my married name ). We determined that I had never received any bills from their client or from them. I requested official copies of the bills, and was told I would not be reported to collections during the process, however they reported me in XX/XX/XXXX. I did not get anything in writing from the collections agency until I called again in XX/XX/XXXX. Finally in XX/XX/XXXX I was sent the copies of the bills, which was the first time I had received any formal written documentation from the collections agency regarding the debt. I was unable to obtain bills for the services from the client they represent because it was sent to collections. 

XX/XX/XXXX I paid the bill, and they insisted they had not reported me to the credit agencies. At that time they stated they would expunge the debt, which still has not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In my previous correspondence and details of letters sent and no replies given by Wells Fargo Home Mortgage. I again have received another letter from an additional state agency. This letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX to my home since purchase in XXXX. This letter from State Foreclosure Prevention Fund, states. Your mortgage company may have informed you recently that you were late on your mortgage payment. If you miss a payment or payments, you XXXX be facing foreclosure on your home. I want you to encourage you to TAKE ACTION NOW to prevent that from happening. It includes the toll free telephone number/email address ( XXXX ) XXXX /www.ncforeclosureprevention.gov, signed XXXX . XXXX XXXX, Manager, Foreclosure Prevention Program. 
This letter comes on the heels of numerous correspondence sent into CFPB and directly to the XXXX portal and Wells Fargo Home Mortgage Executives and CEO 's. All while receiving robo responses and additionally responses to CFPB, stating they ( Wells Fargo Home Mortgage ) are unable to make contact with me. In all correspondence I include my home address, direct telephone number and email address. So to allege that no contact can not be made is categorically false. The semantics displayed by Wells Fargo Home Mortgage has now risen to a laughable level. All while never requesting the factual receipts and records of deposits by myself. It is my hope with the newly appointed point of contact, that Wells Fargo Home Mortgage could take steps to settle how they applied my payments, rather than send disparaging information to foreclosure prevention bureaus.

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