WillisBack/dataset-financial-user-claim huggingface dataset:
WELLS FARGO COMPLAINT XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl XXXX Loan # XXXX To whom it may concern : I, XXXX XXXX XXXX, am filling a complaint of UNFAIR LENDING PRACTICES AGAINST WELLS FARGO.

After hurricane Irma hit florida in later XX/XX/XXXX, Wells Fargo Bank targets certain clients to lure them into Hurricane relief program.

And once inter program, they would encourage additional payment deferment program such as loan modifications.

Once, client accepts program and especially are economically impacted by the hurricane.

Wells Fargo Bank will than starts charging unnecessary Fees such as Multiple Appraisal Fees and other late Fees and UNFAIR ACCELERATED FORECLOSURE PRACTICES while in the program.

Also, Wells Fargo Bank pushes into fixing home while in Modification process.

After a few months have gone by, they declined your request and with unknown reason and When you asked the representative the reason for denial. They said is income and another time is too many modifications. Every time you challenge the first reason and they will give you another reason for denial.

Wells Fargo Bank purposely use the hurricane Relief Program to make you late for several months and charge me Unnecessary and Unfair late fees and because client can not pay the arrears. They forced into Short Sale and worst FORECLOSURE.

I AM REQUESTING A FULL INVESTIGATION OF WELLS FARGO BANK UNFAIR PRACTICES IN ORDER TO CHANGE ILLEGAL FEES AND PRE ACCELERATED FORECLOSURE PROCEDURES TO TAKE ADVANTAGE OF EQUITY HOME OWNERS.

I look forward to hear from your department very soon of this very important and unfair treatment from Wells Fargo Bank against it customers. Im counting on you to look into this matter once and for all. I believe even the National Medias need to be aware of this unscrupulous behavior by Wells Fargo Bank.

I WANT TO SAVE MY HOME AND AFTER PAYING MY MORTGAGE FOR OVER 14 YEARS.

I AM ASKING WELLS FARGO BANK TO ALLOW ME TO REINSTATE MY REGULAR MORTGAGE PAYMENT AND TO DEFER THE ARREARS OR PAST DUE PAYMENTS.

I intend to pay the bank every cents that I owe to them minus the unfair fees.

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX   Email : fXXXX  Phone : XXXX
I've received numerous calls to my personal and work phones regarding a debt that I do not believe was opened by me. I've repeatedly asked that they send debt validation info via certified mail so they can verify I received it but they instead persist in making calls without providing the debt validation info that is my right under the Fair Debt Collector Practices Act. They also consistently call both lines from spoofed numbers.
Threatening to take legal action but keeps postponing the court date. Will not take a lesser payment than what they feel is appropriate. Filed financial hardship documentation stating affordability of payment. Lack of communication with agency. Original debtor ( hospital ) is unable to contact agency. Agency refusal to work with plaintiff. Self identifies as collections agency and lawyer.
On XXXX XXXX I was notified by the buyer that they had accepted my offer of a XXXX so I emailed my lender the information he needed to begin my mortgage application. He let me know that my realtor had already sent him that information and that he would be sending me my disclosures that afternoon. However, I did n't receive them until the XXXX. He was very hard to contact and very slow at replying to emails. I was scheduled to close XXXX XXXX. I did n't receive my final disclosure document until XXXX XXXX on a Saturday. My first disclosures showed that Closing cost were overpaid by {$870.00}. My final disclosures showed that I needed to bring {$1200.00} to closing. I was confused as to how my closing cost went from XXXX dollars to over a XXXX dollars bringing my total closing costs to over {$8000.00} on a XXXX loan. I tried to get in touch with my lender but of course, as always, he was unavailable. Someone later called me that afternoon ( not my lender ) and informed me that if I did n't sign and send that day I would not be able to close on Wednesday. Closing disclosures should not be sent out on Saturday when no one is available to answer your questions.
I filed a complaint on Toyota Motor for reporting inaccurate payment information on my credit and dropping my scores tremendously and defaming my character. They answered untruly and I am not able to log in to provide proof from my bank showing that I was not 30, 60, 90 or 120 days late on my payments nor did any of my checks get returned unpaid. 
Toyota removed 3 of the late payments but reported them as unknown. I made my payments and they need to report it. Please help me with this matter
Penny Mac failed to close on a loan modification in time for me to get the HAMP benefit that closed on XX/XX/XXXX which raised my monthly payments significantly. Penny Mac requested pre-approval from the VA for a loan of 3.5 % and a 480 month term and the VA granted an approval for this loan. I spoke with the VA and they will confirm this.

On XX/XX/XXXX a trial modification payment of {$2700.00} at an interest rate of 3.5 % commenced. I made 7 payments from XX/XX/XXXX to XX/XX/XXXX and Penny Mac failed to send me closing loan documents. Now Penny Mac is requesting a loan modification of XXXX with an interest rate of 4.375 %. On top of this new loan they added my ex-wife to the proposed mortgage. She was not on the original mortgage and she recently claimed bankruptcy.
I have the following inquiries on my Transunion credit report that should be removed. I did not apply for credit with the following companies and some that are on my report are over 2 years old : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX AXXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX & XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 11. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 12. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 13. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 14. XXXX XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 15. XXXX XXXX XX/XX/XXXX ( 2 years this month, should come off ) 16. XXXX XXXX XXXX  XXXX XX/XX/XXXX ( 2 years this month, should come off ) 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XXXX XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXX  XXXX XX/XX/XXXX 28. XXXX XXXX XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XXXX XX/XX/XXXX 30. XXXX XXXX XX/XX/XXXX 31. XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XX/XX/XXXX 33. XXXX XXXX XX/XX/XXXX 34. XXXX XXXX XX/XX/XXXX 35. XXXX XXXX XX/XX/XXXX 36. XXXX XXXX XX/XX/XXXX 37. XXXX XXXX XXXX  XX/XX/XXXX 38. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 39. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 40. XXXX XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XXXX XX/XX/XXXX
AFTER RECEIVING A COURT ORDER TO REMOVE A CHAPTER XXXX FILING CASE NOXXXX THE XXXX XXXX XXXX ORDERED A NOTICE OF WITHDRAWAL FORTHWITH FROM ALL PUBLIC RECORDS. THE THREE MAJOR CREDIT REPORTING BUREAUS HAVE NOT REMOVED THIS PUBLIC RECORD EVEN AFTER THIS HAS BEEN ORDER BY THE FEDERAL BANKRUPTCY COURT CENTRAL DISTRICT.ALL 3 MAJOR BUREAUS GO THRU THIRD PARTY VENDORS AND ACCORDING TO THE FCRA ANY THIRD PARTY VENTOR VERIFYING A CONSUMERS PERSONAL INFORMATION MUST BE IDENTIFIED .AND NONE OF THE BUREAUS FOLLOW THE GUIDE LINES SET BY THE FCRA.
I have a mortage with Chase Loan # XXXX. My wife has been XXXX for greater than 10 years, I closed XXXX XX/XX/XXXX as a consequence of the financial crisis during the preceding years. On several occasions, I have had to withdraw funds from my 401K to cover expenses including my mortage. Chase turned me down for assistance 2 times. XX/XX/XXXX I sought the assistance of an attorney ( XXXX XXXX XXXX ) to assist with the difficulties in gaining mortage assistance form Chase and they turned me down agian. I am cChase and other mortage lenders accepted bailout money during the national financial crisis -- -however ChaSE they selectively applied assistance and used funding to increase their profits. I wish to file a complaint against them. 

Thank You, XXXX XXXX XXXX, XXXX
I opened an XXXX CC XX/XX/XXXX to establish Credit and help with my moving of goals into the professional world with costs after getting my XXXX degree in XXXX, with an emphasis on XXXX, and with being XXXX so I could hold true to my vision of this. I had planned on using this XXXX card to acquire equipment, further education and unforeseen expenses, that I may need to establish myself in the XXXX so that I can be XXXX and XXXX and get XXXX with XXXX who could appreciate my unique skill set and understanding. I had DESIGNATED that my XXXX be paid always through automatic payment through my bank account at the initial time I had set up the card ( like I do with ALL my other cards/bills ) I had an excellent credit score rating of over XXXX prior to this, and I always pay my bills etc. Did n't need or use the card until XX/XX/XXXX, the system seems to have had some kind of glitch, and it did n't auto deduct my first payment that was due off a {$2000.00} vehicle repair I had put on the card ... This payment came to me sometime XX/XX/XXXX from XXXX, at which time I was furthering myself by XXXX.. and had no access or communication or awareness of the notices sent to my home in Utah. No phone calls were sent to my voicemail on my cell phone either, which was also listed on my account, only calls to my home were made. Once I got the news from home and was out of the fields of XXXX on the West Coast, that I had home messages and mail from XXXX I immediately called them and made a large payment and asked them why it had not auto paid. They had no answer, and I defended that I had set that up that way when I got the card application, and this should not have happened or been an issue, as I had stated set it up this way initially on the XXXX website. I paid them by phone with debit card, still on the road, and when I got back to a PC I went in and redid my auto payment info so that it always does that now, like every single other kind of payment I make for anything, which I always pay, on time. 
The major problem I have facing me in the long run is that Experian immediately dinged my credit after filing notice, which I did n't receive as I was away from home and this had been my very first payment required to XXXX ( which all of this will hurt me further as XXXX is evolving and as I may need a business loan someday very, soon ) also, Experian/XXXX took away my credit spending limit which I had GREATLY been counting on in order to secure goods and services for my business needs as I am in this pivotal point of XXXX life and emerging as a XXXX with a XXXX in the world.
Let me get started by saying the Fraudulent information related to the Identity theft that has occurred on my Experian Credit Report, was mostly resolved however they continued to allow a few inquiries to be listed on my credit report. These are fraudulent, I did not authorize any of these companies to view my credit file. I did not authorize the company to review any soft inquiries either. I have already sent in my FTC Identity Theft Affidavit to Experian, They have my law enforcement documentation. 

I sent a previous complaint last week, and Experian 's response was they have to kindly reject my request to have this fraudulent information blocked from my credit file, Even though they were advised these inquiries as a result of Identity Theft. They did not provide an investigation, and I feel like their handling of Identity Theft, Is not only wrong but very against the law. Experian Violated my Rights as a consumer after advising them i was a victim of Identity theft to allow these creditors to review my credit file even with a security freeze on file. These credits did not follow the FCRA Fraud ALERT on my file either. I never received a call. I believe this is violating my rights as consumer and Experian did not handle the Identity theft information very well. Especially since in my previous complaint they were advised of the fraud and they " Declined my request to have the information blocked. " By law they were notified of the fraudulent information, they were provided law enforcement documentation, this has been reported and sent to Experian and even as a subscriber they do not care about consumers or victims of identity theft. I do not appreciate the way the last claim was handled, especially since it truly showed Experian doesn't follow the FCRA laws. 

The fraudulent inquiries are listed below. 
XX/XX/2018, XXXX XXXXk Consolidated. 
XX/XX/2018 XXXX XXXX - Not Authorized Inquiry. 
XX/XX/2018 XXXX - Not Authorized Inquiry. 
XX/XX/2018XXXX XXXX XXXX - Not Authorized Inquiry.
I called up Equifax and told them I can not get my credit report from annual credit report and would like to file a dispute.They told me to fax my driver license and SSN card which I did and inspite of calling them up after 48 hours they inform me that did not recieve the fax where as the fax report clearly says delivered.
I have a FHA loan and this loan is serviced by Bank of America. The bank did n't fulfill any of the contractual obligations it made with HUD, specifically loss mitigation before filing a foreclosure lawsuit against me. I have been fighting this bank for nearly four years in court and it has still refused to do what it contractually agreed to do. I also sued the bank under the Illinois Consumer Protection Act for its unfairness. It 's my understanding that this bank has repeated this conduct with several XXXX of FHA mortgages.
I was charged an erroneous amount of {$38000.00} by American Express which i disputed. Amex filed a complaint in Superior Court, XXXX XXXX, New Jersey.I won the case, and the Judge issued a Civil Action Order of Dismissal on XXXX XXXX, 2014. I sent the dismissal order to the XXXX credit agencies immediately. To date, my credit report shows the {$38000.00}. items as a past due item that was charged off. I sent XXXX more copies of the dismissal order but the credit agencies continue to ignore the order. I have suffered financially because I have been turned down for loans because of this item, and some of my credit cards have been cancelled, and the interest rates were increased.
Bank of Albuquerque referred this account to an attorney and initiated a foreclosure action before properly reviewing my modification request, which has been pending for a long time now. I have never received any decision from Bank of Albuquerque regarding my pending loan modification/loss mitigation application. 
As a result of Bank of Albuquerque 's failure to assist me with my application, I requested assistance from XXXX ( a HUD-approved housing counseling agency based in XXXX ) since the XXXX. XXXX has been assisting me with trying to preserve my home ; they have submitted a workout package/loan modification/homeowner assistance application, which is pending review. 
XXXX has informed me several times throughout this process that Bank of Albuquerque staff is often unresponsive and not helpful in trying to process ( and expedite ) my loan modification request. There has been no continuity of contact -no single point of contact- to assist with loss mitigation options, as required by law. The times I have contacted Bank of Albuquerque to discuss my options and pending loan modification/loss mitigation application, there is an unreasonable wait time, being put on hold, and ultimately never getting to speak with the " right '' person. If this lender/servicer would be cooperative, as required by law, perhaps the process for me to obtain a modification and get current would have been easier and without so many roadblocks.
I opened a new credit account with XXXX XXXX XXXX. Never used the card but did pay the XXXX dollar activation fee. 4 months later I saw fraudulent charges at XXXX in California. I called the credit card company and reported fraud. They closed the account and issued a new account to me. I was told it could take 60 days to investigate. XXXX was reported to them XXXX XXXX 2014 for charges made XXXX XXXX and XXXX 2014. Received letter from their fraud investigation department stating no new charges on account ending in XXXX. This is not my account. I have spent hours upon hours trying to resolve on the phone.. No resolution yet I keep getting late fees interest and the fraud charges are still on the account. They have now reported me to the credit agencies as a no pay on the credit card. The new account they issued I also closed due to their lack of resolution in the fraud case. Pleas advise how to remove from my credit report. They are idiots.
I applied for a in school deferment a couple of months ago. I called to check the status of the difirment because it was time for a payment and I have automatic draft. The rep. Stated the difirment was on the account and all the information was in that was needed. She told me that she would cancel any future automatic drafts this was in XXXX. On XXXX XXXX another payment was taken out. That Friday I called and spoke with another rep who said she wold cancel the automatic draft and have someone call me back to refund my money and that someone from that department would call me Monday or Tuesday. Today by XXXX I did not receive any calls so I called once again because I was not able to make payments on another bill because this money had been taken out. The rep today explained the automatic payment was not canceled again and tha the difirment has not been accepted. I was very upset and needed to calm down and did not want to take it out on the rep on the phone. She gave me a number to call a supervisor.
On my Equifax Credit Report, a Chapter XXXXBankruptcy shows active eff XX/XX/XXXX but also Dismissed/Closed. I have supplied documentation of a CERTIFIED COURT APPOINTED GUARDIANSHIP eff XX/XX/XXXX. I have advised the Bureau that under the Guardianship I was advised I am NOT able to engage into any contracts NOT even to obtain an Attorney, in which a Bankruptcy would need. I know this for a fact since I was a victim of Id Theft in under this same time frame and attempted to hire an attorney and the County Clerk advise the Attorney at the time that I was not able to hire any Attorney due to the Court Order for the Guardianship at that time. I have been obtain legal information stating that under the Guardianship an individual is protected under the Laws and all contract are null and void. If this is the case, why am I being told by Equifax that the Chapter XXXX Bankruptcy must remain on my Credit Report for 10 YEARS? I have supplied all supporting documentation and I feel as though this is damaging information for an individual to have remain on a credit report if the Courts Dismissed and Closed the whole case with XXXX ( {$0.00} ) amount claimed. There no longer is a Guardianship since it was release through the court in XX/XX/XXXX. I am asking for a CLEAR picture of a true and accurate report and reflected credit score. I am asking for assistance with the reconsideration and removal of this damaging derogatory information from my credit report. If a Guardianship is there to protect an individual why is this not being honored. I believe that since it has already been 7 yrs too long and it definitely should be removed.
As per the attachment, this loan was paid off on   XX/XX/XXXX . On  XX/XX/XXXX , t he PMI monthly premium was deducted for  XX/XX/XXXX . This should not have been deducted. As you can see on  XX/XX/XXXX  the PMI for  XX/XX/XXXX was already deducted. Why was I charged PMI for  XX/XX/XXXX when the loan closed on  XX/XX/XXXX ? I have made many calls to shellpoint to ask for my refund and have been told that this deduction should not have been made and that my refund is being processed. I do n't believe them any longer.
The company is XXXX XXXX of XXXX, MS . When I explained that the car was one price on the internet, they explained that this tactic was to lure people into their business. They don't honor the internet price, so I decided to change vehicles. The second one I chose, there were credits that were part of the deal of the loan : {$1200.00} Rebate & {$2500.00} New customer cash. I saw these on the internet and also confirmed them with the office when I talked about financing. I only received one credit of {$1200.00} ( Rebate ) but then it was charged back to me in the transaction. I never received the {$2500.00}. The special ends on XX/XX/18, but I completed my transaction XX/XX/18. I tried to call today XX/XX/18 with no response from the office. I am driving over today as well. Whether I receive the second credit or not, this needs to be known. I have a feeling that my payment was increased because of these missing credits. The paperwork started my payment at XXXX down and 72 months at {$460.00}, but after adding the service plan, my payment increased to {$540.00}. After expressing I didn't want the payment to increase, the salesman explained that I would lose my credits, and my rate would change from 1.9 %, but I wasn't given the bulk of it. 

Interest rate : 1.9 % Finance Charge : {$2200.00} Amount Financed : {$37000.00} Total of Payments : {$39000.00} Total of Sale Price : {$40000.00} ( This included the Rebate of {$1200.00} ) Cash Price : {$32000.00} Rebate : XXXX Unpaid balance : {$30000.00} Charges pd to others : {$6200.00} Amount Financed : {$37000.00} Financed Charges : {$2200.00} Total Payments : {$39000.00}
I have not been living at the address which judgment was issued for the pastyear and I do not owe any money to these lawyers or landlord. I will like thisremoved from my credit report. Also I made final payment on my woman within account and close it. please research and clear my credit will be looking forapartment soon and this issue will not let me get the apartment I want. 
Thank you.
On three separate occasions, Nelnet 's KwikPay service has lapsed without user intervention, which directly resulted in incurring additional interest balances. Two of these occasions occurred prior to the start of the repayment phase, while the third occurred after a large bulk payment was made closing several accounts. KwikPay ( set up to use a still-valid financial institution ) failed to resume payments accordingly once the effects of the lump payment wore off, resulting in a late payment. Nelnet remarks that they have the right to automatically place such loans into forbearance but refuses to acknowledge that the KwikPay system has been flawed for years and frequently mishandles applied payments or fails to collect them in the first place. 
The loan is on a standard repayment plan and I have a perfect pay history when funds are due.
I opened my account under the promotional terms that I would receive a {$350.00} bonus for opening  a webster premier che cking account and doin g ONE of the following : 1.    Direct Deposit 2. 10 debit transactions 3. 5 bill pays I had 2 bil l pays on  XXXX  and  3 b ill pays on  XXXX  I also had a direct deposit on  XXXX .      Webster bank says I do n't qualify because 2 of th e bill pays are after  XXXX