davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (VA)

I originally submitted a complaint based on denial of the short sale because of affordability, they agreed they were wrong because I am in the military XXXX VA. Now mt problem is with the counter offer price they asked for on XXXX XXXX. The comps for the fair market value are around XXXX. They originally countered at XXXX back in XXXX 2015. This time they countered with the same buyer for XXXX. I am attaching the comps that were requested when we first disputed the counter offer. Nobody has returned my calls from Wells Fargo, and I have called several times as well as left messages. I would like to know what basis they are coming up with this sale price, especially when the buyer 's bank goes for an appraisal it will not be anywhere near XXXX. They have come down XXXX from XXXX, but are still extremely high on their asking price. Why would anyone purchase a home for more than it is worth, and what bank would loan them money for a home that was n't worth the asking price? I truly do n't understand and feel XXXX XXXX is taking advantage of the situation. I have a buyer, ready to purchase the condo for fair market value, why would they intentionally sabotage the deal with such an absurd counter offer? Would they rather I let it foreclose? I would like an answer to the ultimate question and what their appraisal found the fair price should be, based on the comps I am including.
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TN)

My husband and I purchased our XXXX home in XXXX through Wells Fargo Home Mortgage. Our home flooded in XXXX, XXXX and XXXX. We decided in XXXX to move out due to me being XXXX with our XXXX child and the house being unhealthy to live in due to XXXX. We were told the house was going to cost more than it was worth to fix it. We paid on it for a year after we moved out because we were unsure what we would do. We decided after that year we would try a short sale, when that did n't pan out we decided foreclosure was our only option. We went through the process and the house was put up for auction and foreclosed on on XXXX XXXX, XXXX. My husband is a veteran and we were told that it may be possible after XXXX years to try to purchase again through the VA. We called a friend in the mortgage business to see about being pre-approved and found out our names are still on the deed to the home we no longer own. It was a third party buy back by Wells Fargo XXXX the original lender ). I have called them, they had me call the foreclosure attorneys XXXX and XXXX. they informed me that HUD had n't given them instructions on what to do with the home due to the fact it is damaged. I called HUD and they told me to call the XXXX and they sent me to you all. We need our names off the deed of this home to be able to purchase a new XXXX. The house we live in now is a rental and the rent is going up in XXXX of this year and we will not be able to afford what they are raising it to. We really need to be able to purchase again so we wo n't run into a living situation when that time comes around when our landlord raises the rent. Thank you in advance to any solution that can be brought.
Consumer complaint received 2015-06-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

My bank mailed a check to Wells Fargo on XXXX/XXXX/15. I have confirmation and can send you an image of it. Wells Fargo claims the mail did not arrive until XX/XX/2015. The payment was due on XXXX/XXXX/15. Wells Fargo charged me {$38.00} for a late payment and will not waive the charge.
Consumer complaint received 2015-09-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NC)

Thank you for this opportunity. I have been banking with Wells Fargo for several years and have several accounts. The account in dispute is my business banking account. Over the course of one year I have been charged in excess of {$1700.00} in overdraft fees. It is so confusing the way the charges appear in pending status and then are re-ordered once posted. Most times, they do this by paying the highest charge first. For a couple of years my debit card would decline and not allow for over charging my account. Then suddenly, charges would drop off and/or was allowed to over charge my account. The confusion and financial hardship that I have endured has been so exhausting to no avail or cooperation from the bank other than a few reversal here and there. I have cancelled my debit card and only use atm card for my accounts. I now transfer money to an easypay debit card to use for purchases and bills. After filing a complaint with branch manager, XXXX XXXX and not hearing from her for weeks, I finally reach a business banker named XXXX who stated today they would not reverse anything for me. XXXX I do not need this in my life and would like to switch to a different bank BUT I am stuck as I have a merchant service account too and it will cost me for early termination. I appreciate your assistance and thank you.
Consumer complaint received 2017-02-26
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Bonial & Associates, P.C (CA)

XXXX hired a retired XXXX and XXXX, as well as XXXX, whom determined they where victims of mortgage fraud. They actually did not recieve a mortgage or loan invalidating the claim of BUCKLEY MADOLE, PC. From a hand writing expert that determine XXXX XXXX of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and is no longer is notary. XXXX determined for last 8-9 years XXXX of XXXX county has been practicing law from the bench a high misdameanor, Most all public servants pensions are based on fraudulent mortgage backed securities about 63 %. Also, XXXX did not have XXXX form or XXXX on file as required by law. Thus, all preceding were done without impartiality, jurisdication or authority, and are void, not voidable. Thus, XXXX was treated as MONEY and was monetized and cashed paying off house immediately, Money that XXXX created providing the signature as per XXXX, XX/XX/XXXX. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX, AND XXXX, XXXX, AND XXXX WERE all put into a government conservator-ship. This process was set up from the XXXX and XXXX. Using XXXX ( XXXX ). and XXXX whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of XXXX either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/XXXX has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with XXXX, then the party took out additional loans from XXXX. 
We should be able to file a claim against BUCKLEY MADOLE, PC, and XXXX XXXX, XXXX, AND XXXX. XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim FOR XXXX COMMOM LAW COPYRIGHT VIOLATIONS. 
BUCKLEY MADOLE, PC XXXX XXXX, CA XXXX
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX  {$1000.00} XXXX {$200.00}
Consumer complaint received 2016-10-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo 's cross-selling practices were also a culture in the mortgage bank and their predatory lending practice is resulting in foreclose proceedings on my home in New Jersey. 
During the modification request process, Wells Fargo reassigned my loan to XXXX XXXX who started foreclosure proceedings last year. After I sent documentation to Wells Fargo showing that they had extended XXXX loans to me instead of the XXXX loans I thought I had over the past 12 years, they had suspended the foreclosure proceedings and approved a short sale without my requesting one. 
These XXXX mortgages and lines of credit ( LOCs ) amounting to approximately {$4.00} XXXX were extended to me between XXXX of XXXX and XXXX of XXXX when my annual salary was in the low $ XXXX and my credit scores were in the low XXXX. As a result of the crash in the housing market and deaths in my family, I have had extreme financial difficulties and hardship in repaying these loans. I tried on numerous occasions to get permanent modifications but was only approved for temporary ones. After numerous denials, I was forced to short sell my properties and I am now left with my primary home which is under water. I owe over {$300000.00} more than what my home is worth, as Wells Fargo falsely appraised my home for more than what it was worth to provide the line of credit. 
All my loans were interest -only and as my primary home loan and line of credit approached the 10 year mark where it was due to reset to a principal and interest loan that I could not afford, I tried several times to get a permanent modification or forgiveness of the line of credit but Wells Fargo was not willing to work with me and reassigned the loan to XXXX XXXX to start foreclosure proceedings. 
After sending my letter to the Executive office in XXXX with the details of the XXXX loans, Wells Fargo has been sending monthly letters stating that they are conducting research on the predatory lending practices. Every month I get a letter that they expected to complete their research by a certain date but they keep extending the date. I think that this is a stalling tactic so that they can foreclose on my home. 
Even though they are still conducting research, they restarted the foreclosure proceedings because I did not get an offer on the short sale by XXXX XXXX. 
With more knowledge and experience, it 's now clear to me that these many loans were extended to me, so that my Wells Fargo mortgage broker could gain more commissions based on the incentive structure created to profit the bank. This is predatory lending and I would like this to be investigated. Attached is the spreadsheet with the details of the XXXX loans.
Consumer complaint received 2015-08-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MS)

We received a mortgage loan through Wells Fargo Financial in 2005, ( this being a refinance from an earlier loan ). We have since discovered that this loan was based on the rule of XXXX 's for the application of payments. Congress passed law in 1991 stating that this form of accounting could not be issued to loans over 61 months, our loan is for 240 months. Because of this loan structure, we were unable to refinance with any other company because we owed far more on the loan than we originally borrowed. We have tried for 5 years to have Wells Fargo correct the errors in our loan servicing, to no avail. After 5 years, Wells Fargo has now foreclosed on the property. We had to file an emergency Chapter XXXX bankruptcy in order to save our home. After years of research, I have uncovered more errors in the loan servicing. Examples of these errors are : WFF APR is twice the amount of the average APR at the time of the loan making this a high cost mortgage, of which are subject to the requirements of TILA 12 C.F.R. 1026.35 ( Title 12 of the Federal Register ). TILA Sections 108, 129, 129B, 129C and 130 state the statute of limitations to be 3 years. Our appraisal and income was inflated in order to qualify for this loan, a violation in which the originator must make certain of the ability to repay. No counseling session was required thus no counseling certificate was presented. 12 CFR 1026.32 ( d ) ( 6 ) prohibits pre payment penalties on these loans. 12 CFC 1026.35 ( b ) requires escrow to be established ( no escrow established on our loan ). 12 CFR 1026.36 prohibits loan originator compensation whereas our loan included commission to the officer. 12 CFR 1026.36 ( h ) prohibits mandatory arbitration on waiver of certain consumer rights, such arbitration agreement was included in our loan closing. The loan originator must be licensed with XXXX and the loan documents must reflect this. No Identification number was included, bringing up the question as to the qualifications of the originator. We never received our Truth in Lending Disclosure. With all this being said, due to the structure of this loan and our inability to have these errors corrected, our credit has been significantly damaged and un-repairable. The damages that Wells Fargo has caused us both financially and emotionally are insurmountable.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I received a letter from my mortgage provider, Wells Fargo stating that they incorrectly calculated my payment per our agreement terms. As a result, the monthly payment they billed was too low to pay off account by maturity date. They now want to increase my payment. The first letter was provided on XX/XX/XXXX. Since then I have made multiple calls with no answer to why this happened and why their mistake is my issue now? I called the number they provided on XX/XX/XXXX. I 've made multiples calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with additional calls on XX/XX/XXXX and XX/XX/XXXX. This is only the calls that I have recorded, with additional calls made with no response or answers. The letters I received, started on XX/XX/XXXX, and there after in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX all stating they are looking for answers. I feel that the mistake they made are now on me by increasing my payment and have not held themselves accountable.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX .... 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....
Consumer complaint received 2016-09-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (MD)

Only gave me one option for lowering my payments but only taking my rent in to account and not other bills that I have to pay monthly. I am more than willing to try and start payments, but can not afford the full payment at this time.
Consumer complaint received 2015-05-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AZ)

My wife and I entered a home purchase contract on XXXX XXXX, 2015 in XXXX, AZ. We switched to Wells Fargo Home Mortgage branch of XXXX XXXX XXXX, XXXX, AZ on XXXX XXXX, 2015. We showed them our sales contract Which had a COE date of XXXX XXXX, 2015. However, we asked if they could accommodate the original sales contract date of XXXX XXXX, 2015. They fully assured us that they could reach that goal, I asked about possibilities that could hold them up, and they did not propose any situations and just restated they could meet our requested goal. We informed them of our previous lender, so they could contact them if needed. Since our inspections were complete and we were conditionally approved for the loan, on XXXX XXXX, 2015 we asked when our appraisal would get done. An answer was not given back to us until XXXX XXXX, 2015, and we were told our file is now in underwriting and an appraisal would be completed on or before XXXX XXXX, 2015. On XXXX XXXX, 2015, I called the branch manager to voice my displeasure with the service and lack of integrity on their part as they have not kept their word XXXX now. He answered and said he would look into it and contact me back in 15 minutes. He never contacted me back. The appraisal did not get completed until XXXX XXXX, 2015, and no explanation was given to us as to why. For the next few weeks, I got no solid information as to a closing date, I fixed minor items they asked for instantly ( why were n't these requested earlier in the process? ). They kept telling me I was in line to close and it could happen any day, so for two weeks I set up moving arrangements, incurred more expenses, paid more unanticipated rent, experienced difficulty at work, and struggled with frustration. I finally showed up unannounced to their branch and got to speak in person with the branch manager. He fully acknowledged his team and other parts of Wells Fargo had let me down and did not live up to expectations, provided poor communication, and had incomplete work. Furthermore, he said there was a big issue with the appraisal not getting done in a timely fashion, but could not explain why that was not relayed to me. I told him that prevented me from looking for an alternate lender by not disclosing that there were issues. Today is XXXX XXXX, 2015 which is 5 days before the sales contract expires. I could lose the house, the money I paid for inspections, and months of effort and wasted frustration if Wells Fargo continues their poor professional work and the closing is not completed in the next 5 days.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (VA)

I have two Citibank credit cards. I recently moved to a new address. I tried to update my residential and mailing address on my Citi credit card account through their website, but their website sets a limit to the number of characters you can enter for each line of the address, which is shorter than my address ( my address is USPS approved ). It doesn't allow me to enter my full address. Although their website pops out the USPS suggested address, it just never takes it. Then I called their customer service number twice and asked the representatives to update the address for me. They said they couldn't do it. One of the representatives even asked her manager to help fix issue, but they both failed. Then they promised me to escalate the issue for me and said it should be fixed within 5 business days or so. Now 7 business days has passed and my address still hasn't been updated. Now I'm really worried that I won't receive mails and statements from Citibank and may miss payments, as my address on their book can not be updated to my current one.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (NC)

I completed a re-fi in XX/XX/XXXX. The lender transferred the servicing to AmeriHome Mortgage. Three months after my re-fi, my home owner 's insurance policy was due. AmeriHome failed to make the payment although my hazard is escrowed. I contacted AmeriHome about the missed payment when I received notice from my hazard insurer that the policy was now past due. I was informed on a Monday by AmeriHome that the payment had not been submitted but would be overnighted. I contacted AmeriHome the next day to learn that the payment had NOT been overnighted as promised. I was told for a second time that the payment would be overnighted that very night. I called again Wednesday, and still no payment was overnighted. Wednesday is the cancel effective date. AmeriHome lied twice to me, failed to make a timely payment for my hazard insurance, and thus, caused me to have to pay out of pocket for the hazard policy for a two month period to keep the coverage ongoing until AmeriHome can get their act together and submitted the late payment. My hazard insurance agent contacted AmeriHome on 4 different occasions to obtain payment ; however, AmeriHome failed to hold up to their responsibility in ensuring payment of escrowed items.
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has denied my request for loan modification several times. They send me several letters which state they do not have contractual agreement to modify my loan, but then they will send me another letter stating that the income reviewed is not enough or letters stating I have too much. I have tried everything possible, request upon request. I have gone to mediation where no decision is made. I have filed bankruptcy. I feel that they are purposely finding ways to put me, an elderly woman and her elderly husband out on the street. They very well could be discriminating against me due to age. I just do n't understand how so many others with less than me or more than me can save their home, but yet, me along with so many Well Fargo victims are forced into situations by Wells fargo and their representatives which clearly demonstrate how well they get around the law. They hire big shot attorneys to who only respond when they feel the need to and then find a way to put blame on you. As I am sure this complaint will also be answered to by them, somehow finding a way to clear themselves of any wrong doing. Its all politics and no one cares for the people who make this country what it is and what it could be. I truly hope that this complaint will be read and that a true investigation into the unfair practices of Wells Fargos and those attorney 's representing them will be reviewed in detail. Your assistance is greatly appreciated.