BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-16
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently in the process of refinancing my home mortgage, after the application process we were advised an appraiser was selected by the loan servicer it resulted in a low appraisal based on unrepresentative comparable properties used with several clerical errors cited in the appraisals were addressed to the loan officer. The loan officer with US Bank only stated that appraisals are iron clad and will not change rather than reviewing the valid errors presented or advising of any recourse for the process of a challenge. I emailed the loan officer on XXXX/XXXX/2016 a detailed appraisal challenge and ask that he submit the information to the appraisers office XXXX Since there was no response from the loan officer I made several attempts to reach him leaving voice mails on separate occasions until I made several follow up calls to his superior with messages left then the loan officer accepted my call after advising the operator that I would have to cancel my loan since there were no responses from the loan officer or his supervisor on XXXX/XXXX/2016. He began to repeat that the appraisals can not be changed yet when asked about the challenge I submitted on XXXX/XXXX/2016 he revealed he did not read the email and that he did receive it, I informed him I would like to have the information reviewed by the appraisers office and he advised he will submit it to his manager. The manager called me on XXXX/XXXX/2016 XXXX and requested XXXX XXXX for the suggested comparable properties in the appraisal challenge which was scanned and emailed XXXX/XXXX/2016. The manager then emailed asking for properties that were XXXX miles from the property with the report shows was the closest property in proximity to the subject property however all of the comparable properties used had an incorrect distance to the subject property. The XXXX suggested comps are exactly the same distance as XXXX of the properties used in the report so I requested that they be used since the appraiser used properties in the immediate area. There was no further response. I would just like a fair and accurate 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 2015-07-20
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had an FHA loan at US Bank that was paid off on XXXX XXXX 2015. On paying the loan off on the XXXX XXXX instead of XXXX XXXX I was charged {$1000.00} interest fee. I spoke to US Bank in regards to this and was informed that they were unwilling to refund the charge of {$1000.00} even though the interest charged was the EXACT same day as the loan was paid off. I feel that a {$1000.00} charge for paying off a mortgage loan 2 days into the month is, for better words, a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
have been trying for over a month to get a 5 yrs payment history, finally received one last week but XXXX was for some other person. I have talked to supervisors but because of my bankruptcy in XXXX they give me to another dept and sy it will be 10 to 20 days but nothing happens. This week they said a fax was sent to my place I am trying to refinance with, to get some info and when I ask my rep they never received anything. Now I am in danger of loosing my locked in loan rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home and used Wells Fargo as my mortgage company XX/XX/2013. Since then my husband and I have made about XXXX-XXXX in improvements, turning our XXXX into a XXXX and redoing the bathroom downstairs and upgrading our backyard with pavers etc. My taxes obviously went up and I discovered my monthly payments went up {$400.00} per month because of escrow. I complained that I would like to get out of escrow and pay my own taxes and also have an appraisal done to get rid of the PMI as well. I needed to be at XXXX % LTV ratio for both. WF insisted I use their appraiser and he came in and appraised the house for only XXXX more than it was 3 years ago in a worse market and in much worse shape than it is now. Keep in mind I made significant improvements to the house. I am now at XXXX % LTV ratio with consistent on time payments and payments that are more than the mortgage bill every month and they will still NOT let me out of escrow or PMI. I contested the appraisal and they came back and used the same appraiser to review my appraisal and shot down all of my comps. They originally used comps from 2 years earlier because they claimed they could not find up to date comps, but I was able to! I am an agent and I know how to provide comps. I also have several friends in the real estate industry who claim my house was under-appraised by probably about XXXX-XXXX %. They are asking me to pay them toward the principal, but I will not because I know my house is worth a lot more than they claim. I am being bullied for .09 %! I would love to refinance but that will cost even more. I am tired of big banks bullying the little people trying to make a way for themselves in the world. Stay away from Wells Fargo! I constantly hear complaints about them from several people. They are rip off artists and have given me nothing but a hard time.

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 2017-02-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am writing to you in reference to loan number XXXX. I have documentation from XXXX of XXXX formerly known as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX employees which states Wells Fargo sold the above mentioned loan to XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX became the servicer of the loan in XX/XX/XXXX. It is my understanding that in order for anyone or any entity to sell a mortgage or a promissory note, they must first be the legal owner of the mortgage and the promissory note and in order to sell a loan to a XXXX trust, must be the originator of the loan. So, when it was stated to me by XXXX 's employee that XXXX XXXX Bank purchased the loan from Wells Fargo, exactly what did XXXX XXXX purchase? I also have a letter from XXXX XXXX XXXX XXXX XXXX stating they purchased the loan from Wells Fargo. Did XXXX XXXX purchase the promissory note? In the state of XXXX, the mortgage is purported to follow the note, not the other way around.Everything that XXXX XXXX has stated is in direct conflict with the XXXX XXXX court records. XXXX XXXX court records indicate that the mortgage and the note in question were BOTH purchased by XXXX. in XX/XX/XXXX. Wells Fargo has stated they sold the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The recorded court records also reflect that XXXX XXXX Inc is the sole assignee, not a nominee, not a beneficiary and not a trustee. In fact, the recorded assignment not only shows that Mortgage XXXX XXXX XXXX XXXX XXXX is the owner of BOTH the mortgage and the note but that XXXX, XXXX. is the assignor, which would have made them the legal owner at the time of the assignment. This also reflects that they were the legal owner of BOTH the mortgage and the note when Wells Fargo allegedly sold the loan to XXXX. The assignment of the mortgage and the note were recorded in the XXXX records in XX/XX/XXXX. This would make the purchase of the mortgage or the note by XXXX from Wells Fargo is fraudulent. I would appreciate a response. Thank you in advance for your time and cooperation in this matter.

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 2016-08-16
Company: Alliant Capital Management LLC
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Hello, My issue is best described by XXXX out of the XXXX above, XXXX XXXX from Alliant Capital Management ( doc id XXXX ). XXXX XXXX called my sister who stated that she was not me- He then proceeded to disclose the debt, plus threaten legal action if I did not return the call. He then located me at work- When he id him self I said I can not have calls at work do not call here. I called him on the phone and explained that I was having medical problems to which he replied that he understood and did n't want to cause anymore problems take the weekend and think about the options. Still no VOD has been sent to my mailing address. Today, I checked my work voicemail and there was a very lengthy message from XXXX XXXX, said he was going to sue me and send someone up to my job to give me papers. He then said all of the calls have been recorded and that he would move forward by end of business if I refused to call him back. I was not even at work Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Scam Victim, I applied for loan threw XXXX XXXX XXXX. 
All they told me I had to was that XXXX XXXX would deposit money into my acct. to pay for my processing Fee .. So I was instructed to go to XXXX XXXX send to this person for my loan fees. 
So .. I did that. Next thing he tells me that I have n't paid my Taxes. 
He would cut me a deal. I owe XXXX I would only owe XXXXXXXXI knew right then this was a scam. I said no so XXXX the loan manager start to threaten me. 
Then I get all these XXXX from my bank Wells Fargo over XXXXXXXXHe made the claim. Stolen identity. And XXXX will not give me my money backThis is wrong .. Help. PLEASEXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Can not contact American Express, they do not answer phones. Prior to today whenever I contacted them they gave me wrong information. Supervisor informed me that they finally got it right bit they did n't. They could not give me information on my automatic payments notwithstanding that I have been on automatic payments for years. What is happening to Am Exp? /

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Wachovia ( now Wells Fargo ) XX/XX/2008. At the same time, my father and brother also opened accounts with the bank. After a few years, the bank started charging me a monthly fee of about {$10.00}. I tried to figure out why they started charging me this fee, but not charging my brother or father the same fee. After a while, I gave up trying to get the bank to stop charging the fee and I closed the account. Now that it has been exposed that Wells Fargo has been finding unfair ways to charge customers fees, I am wondering if I was a victim of their misbehavior.

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 2016-09-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a Mortgage with Wells Fargo. That was paid in full on XXXX XXXX. XXXX, Received satisfaction of Mortgage. On XXXX XXXX XXXX, two years after the mortgage was paid in full. I received derogatory notification from my credit tracker stating that I was delinquent on a Wells Fargo Mortgage with an account number that was not mine. I contacted Wells Fargo numerous times to try and get this issue explained a resolved. After weeks of phone calls and correspondence I was told that Wells Fargo would fix the credit reporting issue. On XXXX XXXX, XXXX I received another derogatory credit report. It appears to me that Wells Fargo went in and removed an account number that was not mine and substituted the real account number and are now reporting that account as delinquent as if it is still open? I called Wells Fargo today XXXX XXXX, XXXX and spent over 1/2 hours talking with 3 people to no satisfaction. The impact of this situation has caused XXXX and financial grief. I had lost XXXX of dollars as a house purchase fell through. I believe Wells Fargo went in and changed the reporting mortgage number to my old mortgage number which was paid in full and satisfactory over 2 years ago. I believe they opened a mortgage in my name with out my knowledge.I believe the person in the corporate office tried to convince me that the reporting was correct when I questioned him and informed there were no derogatory reporting after the mortgage was closed until the bogus mortgage number appeared. then you change the mortgage number to my real number when I raise th issue that the mortgage number was not mine. This has caused me XXXX of dollars and I believe that Wells Fargo has tried to avoid an issue of acct in my name that was not mine.. Person in corporate was XXXX XXXX the first manager talked with was XXXX XXXX after speaking with customer service. Something is most definitely wrong here. Please help.

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 2015-09-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Other fee

Complaint:
I travel to XXXX with my American Express thinking that this card will not charge me with additional fees. To my surprise when I saw my statement AMEX was changing me 2.7 % for every transaction that I made in XXXX. I have used this card in the past with no trouble before and I was never informed of this new fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX I applied for and opened Travel Rewards ending with XXXX using online application : which stated : https : //www.wellsfargo.comXXXX XXXX points on gas, grocery, drugstore net purchases for 6 months, XXXX points on virtually all other net purchasesXXXX - enjoy 5 years to use the points you earn '' However, the stated offer had been never applied to my card. 
I opened the research request with Wells Fargo, but I had denied XXXX XXXX for the reason : " If you or any joint applicant currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you will not be eligible for the above introductory APR ( s ) and fees or the bonus rewards offers described below if your existing card has been open less than 16 months. '' However, such a warning was not present in the terms and conditions and was not presented during the application process, so it was applied retroactively. 

I closed my card on XXXX XXXX our of frustration. 

Therefore I request the card ending with XXXX to be reinstated with full 6 moths promotional period attached starting with the reinstatement date. 

Thanks You XXXX 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 2016-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Yesterday, during a routine call to Wells Fargo to order checks, the employee said I was eligible for a better credit cad and referred me to another employee in South Dakota named XXXX. He examined my accounts and discovered that I had two checking accounts and no savings account. He suggested repairing this situation, and did. Today I read in the paper that Wells Fargo employees have been issuing unwanted accounts and charging us for them. Wells Fargo has been fined a lot of money. Am I eligible for some of it?

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 2017-01-25
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/XXXX I applied for a refi with US Bank. They offered me a XX/XX/XXXX refi at % XXXX. The rep from US Bank signed the agreement and sent it to me and I signed it along with my father, the co-borrower. After a few weeks, they contacted me and told me that ( XXXX XXXX ) my loan rep was fired due to mistakes he made on my and others loan refis and that they couldnt honor the XXXX rate. I then got a higher rate and stayed with US Bank. I applied for another XX/XX/XXXX refi in XX/XX/XXXX and did and provided everything US Bank asked for and in a timely matter. They are now rejecting the loan refi stating that I do not have XXXX straight years of XXXX income. My employer ( who I have been employed with for XXXX years ) took me off of XXXX in XXXX of XXXX and put me on XXXX. So that only gave me XXXX XXXX years of XXXX income. I actually bring home more money with the XXXX due to deductions but they are denying me the refi and are offering a higher rate. THanks for reading and helping

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 2016-01-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I bought a XXXX Toyota Prius XX/XX/XXXX. I have tried over 50 times to cancel GAP insurance coverage. It is still not refunded/canceled? 
I bought a XXXX Toyota Prius XX/XX/XXXX. I have tried over 50 times to cancel GAP insurance coverage. It is still not refunded/canceled? *This complaint is in now way directed at the dealership XXXX toyota of XXXX. They told me not to complain sternly. I just need GAP insurance canceled. I do n't think at this point they are sincerely trying to help. Toyota does not want to refund the GAP insurance, Tire Warranty and Life XXXX extras. I put in written, verbal, phone, XXXX, attorney general complaints, customer satisfaction case numbers, and most recently the XXXX, Amercians with XXXX act is informed of the discrimination I am receiving on the phone. You all know I have XXXX and are trolling me, stalling the refunds in a attempt to get me to go away. This is discrimination and if continued appropriate civil suites will be filed, as a third party is now documenting this abuse. on all fronts Toyota is " trolling '' me. Furthermore the XXXX complaints do n't always go through. I have also as of today not received my new car purchase survey. It should be mailed to the address on this complaint. All future correspondences should be mailed to this address, by physical mail. This is my request. I should have no extras on the account. GAP, Tire Warranty, and Life XXXX have all been requested dozen of times to be cancelled in writing. I confirmed received. Just refund the extras I didnt want already, as promised over 50 times. They keep claiming phone problems with their telephony. Please look into this and why I have not received my new car customer satisfaction survey. I have a feeling they are withholding the survey to fix their scores. I never wanted the extras, and have tried to cancel of them. Now they are just trolling me, making a joke of how long they can stall. Sincerely. refund all the money, and give me a summary of the dates and amounts. Thank you. I used to work for Toyota, their crimes are egregious to say the least, I sent the DOJ a whole dirty laundry list in XX/XX/XXXX. Please look into this, major stuff going on that needs oversight. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage and escrow account with Wells Fargo. In XX/XX/XXXX, I received a Real Estate Supplemental Tax Bill form The County XXXX, Virginia XXXX XXXX ). I called Wells Fargo to insure that the bill would be paid & gt ; I was told that there was no need to send the bill to them because it was early and that they would request the bill form XXXX XXXX County in XXXX. The payment was made after the due date and the County issued a {$150.00} fee for late payment. Wells Fargo took the fee from my account and labeled it ( MISC DISBURSE ). 

I noticed the ( MISC DISBURSE ) of {$150.00} and call to inquire about the missing funds. I was told that because Wells Fargo was responsible for the payments and were notified, I would be refunded. a few months passes and I called back to find out why I had n't been refunded and was told that the order was initiated to correct the problem but the funds had not been transferred. I was again told that the problem would be fixed. 

Today XX/XX/XXXX, I called and was told that the fault was with me and that they were correct to charge me for the late fee.

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