BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to get a loan modification from Well 's Fargo Home Mortgage for the last 6-8 months. They put us on a {$600.00} a month payment until a decision was made. For the last 5 months I have not been able to speak to our specialist. I have left numerous message on their phones and no one will return our calls and they keep changing who handles our load modification. On XXXX/XXXX/16 we received a letter from Well 's Fargo stating our loan modification had been denied because there are title issues with our property. We again tried to contact on XXXX/XXXX/16. My husband stayed on hold for 20 minutes, then they disconnected him. I called right back, was told by the woman that answered she could not tell me what the issues were. I stayed on hold for 30 minutes while she tried to connect me with a home specialist. After 30 minutes she came back on the phone and said a supervisor would have to call me. I asked when and she said in 24 hours, I made sure she had the right contact number. Well 's Fargo always say they will call back in 24 hour and never do. I am afraid they are going to try and foreclose on us.

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: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to temporarily remove my credit freeze on my credit account with Experian with no success. I have attempted to call them, do it via the website, ect. I am getting an error message and just need to update the phone number on the account to remove it so that I can lease a home.

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 2016-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I saw that there was a fee charged to my bank account out of nowhere for {$120.00} in processing for a Levy Order I was not told about. Originally I thought it was an unauthorized debit and I was going to have to change banks. I spoke to the department who handled court orders. They said they collected {$0.00} but charged me {$120.00} processing fee which was nowhere in the fee disclosure I received when opening the account. The account with the Franchise Tax Board has a payment arrangement to be cleared in XXXX 2016 that is standing on the system. When I requested the fee be reversed they refused stating that I need a letter from the Franchise Tax Board. When I called the Franchise Tax Board they said they do not call nor provide letters for errors when it comes to bank levy 's. I called the same department back and they refused again and said they get calls and letters everyday from the same department whose number they gave 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 2016-04-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Dealer Services is my auto loan lender. After only XXXX days of being past my payment due date, they have harassed and called me 3 times a day, at all hours, every day for 2 weeks straight without ceasing, which I find predatory and very uncomfortable. They also press you for a good and specific reason as to why you are late in making your payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a Home Equity Loan from Wells Fargo. The loan was to pay for my Mother 's care for XXXX. I was the trustee for the property ( Mom 's house ), and there was about {$900000.00} in equity in the home. After several conversations and quite a bit of paperwork Wells Fargo told me the loan should be no problem, I had passed the first application and the rest of the process would more or less be a formality. Then out of the blue they sent me a note that I was not getting the loan for two reasons, one of which was that they " did n't offer that type of credit ''. Huh?

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 2017-03-18
Company: ALLY FINANCIAL INC.
State: AR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
After conducting further research, in an effort to find out why ally bank/auto has been so adamant in trying to refute my Promissory Note, that is obviously, and clearly legal tender with paying off a debt with banks ; I discovered that fraud and a breach of agreement was committed by ally bank. After our contract was assigned to ally bank, through XXXX ; ally bank opened up a transaction account ( s ) in I and my wife 's name, from a Promissory Note that we signed, that became an asset for them, that they monetized, for creating the funds, for what they call a loan, that was really an exchange. Ally used our Promissory Note in exchange for our transaction account ( s ) as legal tender, and yet they say that it is not recognized and accepted by them as monetary tender, what kind of sense does that make! Ally bank opened up a transaction account in our name, without our permission, and we did n't receive a receipt for the deposit that was made from the Promissory Note! Ally bank violated the banking law GAAP! If Ally Bank tries to refute this, then I will demand full disclosure of ally 's Book Keeping Entries per the GAAP, that proves everything I said to be true! Also in the GAAP agreement, it states that the borrowers can repay the debt using another IOU-Promissory Note payable in the same specie of money, money equivalent or credit or funds or capital that the bank or financial institution used per GAAP to fund the loan, thus ending all interest and liens. How is it that ally bank dont ' understand the banking laws they are suppose to abide by!? The other proof to what I 'm saying is mentioned in the Federal Reserve Publication, page 3, it confirms that banks do n't give loans and that the Promissory Notes are to be deposited into a transaction account as an exchange. Last but not least, ally bank only gave me back one of the Promissory Notes I sent them, and even if they would have sent me back both of them ; they still could have made a copy and deposited them. The only way to tell is what the Bank Book Keeping Entries show, if I have to go that far ; all I want, is what is rightfully ours, the Title to our truck, showing paid in full.

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 2016-04-23
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Back in XXXX I consolidated my student loans with XXXX. Come XXXX 2015 all the papers were in order and seemed to have been done, but then everything went wrong. The other loan services Fedloan rejected payment to XXXX. How can they reject Payment??? Now it 's all in limbo and Fedloan will not help me resolves this situation. I have come to realize that Fedloan is like loan sharks. I talked to some one with department of education and contacted XXXX. XXXX told me that Fedloan informed them that they no longer services the loan it was with department of education collections. Keep in mind it would n't have been with collections when I consolidated the loans. But is now the lady from the department of education that I spoke with told me that Fedloan did n't have a choice but to consolidate the loans because the consolidation was complete. But yet this still has n't been resolved and XXXX told me that I needed to fill in on the a form for the new service agent of the loan. Yet the only information I have is for Fedloan. And they will not give me any kind of information other than telling me I need to pay them. Mean time my credit is being screwed and I refuse to pay Fedloan a dime! Especially because this should have all been taken care of in XXXX of 2015 and I should just be paying to XXXX. Fedloan locked me out of my account I ca n't view it online, ever since I sent an email complaining about he situation back in XXXX. What am I suppose to do? Why is this legal for Fedloan to XXXX me over? Do I need to find a lawyer and sue? I did find a lawyer for student loans. But I feel that ridiculous due to the fact that I should be paying XXXX and it should all be consolidated with XXXX. The people that I have spoke with at XXXX have been very nice when speaking with them. But at the same time not much help in resolving this matter. Fedloan on the other hand is rude and shady and absolutely no help at all!!!!! I do not want to do business with Fedloan at all that is why I chose XXXX to be the service provider of the loan. But apparently that was n't a choice. Because Fedloan is keeping it held up!! Like ransom money. I still receive bills fro Fedloan so I do n't see how they can say they no longer service the loan to XXXX. What do I do!?!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Personal Checking Accounts & Savings from Wells Fargo Bank were closed without notice XXXX XXXX. While attempting to use sufficient funds from the accounts, the cards were declined twice. Wells Fargo customer service department was contacted which then directed the case to the Loss Prevention Department. At that time, for the first time I was notified that the Wells Fargo Personal Checking Accounts and savings had been closed. It was also brought to my attention that the establishment no longer wished to do business with me as a customer. There was no written notification, verbal contact, email etc. to inform me as a client that the accounts were being closed. I proceeded to inquire about the funds that were in the accounts that had been closed without notification. Wells Fargo Bank informed me that a check would be cut XXXX XXXX and mailed. As a customer I am being inconvenienced without just cause. Is this something that can legally be done without notification? What can be done to expedite this process so that the funds are returned. Thank you for your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
2 months ago. i need it at checking account so i went into well Fargo and open up a checking account I gave the banker employee all my information for the bank employee to submitted and conclued open up my checking account i deposit {$100.00} and during the course of two months i deposit XXXX money orders that i buy it from XXXX XXXX but i was not able to use it so i deposited into my account and i have received XXXX deposit of {$530.00} so 2 weeks ago i call welll fargo due to i was not able to check my account on line. i was specting at deposit from XXXX XXXX XXXX from florida the banker indicate that my account has been close due to at suspicius activity to confirm what the bank its talking about it i went to the branch on XXXX XXXX XXXX and requested for at print out of my account history i read it and found all my deposit and bank activitys corrected it i have found nothing unusual or unathorized so i ask the bank to gave me the reason why my account its closed the bank didnt gave me at reason it all.but Iam on the inpression that this got something to do with 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 2015-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We had a mortgage loan reported on credit report with XXXX companies ( now reporting on credit report as owned by XXXX and asc ..American servicing ) .The loan was a fraud, documents switched, fraudulent notaries, loans we had actually never signed or seen ..we had know something was very wrong with our loan as we were paying over {$1200.00} more then what we had been told but could never get any answers our realtors disappeared. We knew nothing about this elaborate case till the XXXX County District Attorney contacted us and made us part of there investigation into our realtor and took him to court and prosecuted him ... I think it was XXXX felony charges against him.. I have since contacted XXXX to remove these items as identity theft and fraud were proven in a court of law but they continue to give me the run around and ask for police reports..I have non but I sent them all the XXXX DA information and court records which they ignore. ASC I also disputed but they also just reported everything back as accurate! According to all credit reporting laws this should not be on my credit report..please help.. thankyou.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage ComplaintXXXX2015XXXX XXXX, NY XXXXEnclosed are the pictures of the XXXX when or where it was XXXX when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the Federal Income tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXXXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$XXXX} and the non-co-borrower contribution is {$XXXX}. The total monthly income is $ XXXXXXXXCombine the rental income with what I received every month is : {$XXXX} + {$XXXX} ___________The total monthly income is : $ XXXXXXXXA loan modification would be beneficial to both of us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing to you because I feel that I have been severely wronged by Wells Fargo. I had lost my job and was 2 months behind on my mortgage and doing my best not to miss another payment for fear of falling into foreclosure. I had also had to file bankruptcy due to my financial situation. One month I could not pay the mortgage until the XXXX of the month and the lender sent me a notice of pre-foreclosure and said they could not accept my payment because my file had fallen into pre-foreclosure. I tried for over a year to get the hardship assistance from Wells Fargo and they played constant games with me. They told me I had to be at least 3 months behind before they would review me for any assistance. They also kept switching customer relationship managers every month. I could never get the same person on the phone. Even though I sent paperwork multiple times they claimed they never received it. When I did get them to acknowledge that they received it, the next time I called in, the next rep would tell me they lost my paperwork. They also would tell me that certain documents were not received on time and made me apply and re-apply over and over again. Wells Fargo made this process very frustrating for me. I am a good person and believe in paying my debts, but the way Wells Fargo has treated me, I do n't think they want me to keep my home. I have a legitimate reason for hardship and my mortgage is 55 % of my gross monthly income. If Well Fargo would just do the right thing and lower my interest rate and payment from the 5.25 % adjustable loan I am in, then I would be able to afford my bills and the mortgage with money to spare. I think the real reason Wells Fargo is denying me is that they see that I have some equity in the home. From what I understand, this is not a valid reason to deny my hardship. I know that I meet all of the federal criteria. I just want to keep my home. Please help me get this resolved with Wells Fargo. I know they were fined a lot of money by the government last year specifically for playing the types of games they are playing with me, but I guess that fine was n't enough because they are still violating the agreement with the government. Please help me keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filled a dispute with capitol one several issues regarding purchases I spoke XXXX one the mangers for dispute team she and Capitol one refuse to assists me with this issue this two credit cards I use on daily for food and necessities I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am ( with my siblingss ) the beneficiary of a trust established by my grandmother, that passes to me ( and my siblings ) upon the death of my Mother. My mother passed away in XXXX 2015, so we contacted Wells Fargo, the administrator of the trust. We provided all the requested information and documents in order to process the distribution of the funds from the trust in XXXX. It has now been 4 months, and the funds still have not been transferred as we requested. When we call Wells Fargo we are told that it is " in process ''. There has been no explanation for this long delay, and we have not been told that there is any problem. There has been no communication at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Four years ago, I applied and received a Step Rate Modification Home Loan at Wells Fargo Bank. The interest rate on this modification will reach its cap rate in XXXX XXXX. That rate will be much higher than the current rate ; therefore, in XXXX of this year, I applied for a new home loan modification. 
I received a letter from Wells Fargo on XXXX XXXX, XXXX indicating that an escrow account would be established as a part of any new modification process. On XXXX XXXX, XXXX, I received a letter stating that I was denied the requested modification due to my NPV. I appealed the denial and that appeal was also denied. After the second denial, Wells Fargo attached an escrow account to my current loan. This is not in accord with our original loan agreement. Now, my loan includes my property taxes and home insurance. This results in my monthly mortgage being elevated to a level that is difficult for me to pay. 
Most of my finances are paid to me quarterly, not monthly. Adding the Property Tax to my monthly home loan will cause me an unwarranted hardship. I explained this to Wells Fargo. I have owned my home for 20 years and have never failed to pay my property taxes or home insurance. In addition, I have always paid my mortgage before or on the due date. 
I feel that the new escrow account attached to my loan is an injustice ; it causes me financial hardship. Wells Fargo is not honoring the original modification agreement. In addition, this escrow account was established after I applied for and was denied a new modification. 
Two years ago, Wells Fargo attempted to implement an escrow account that was not a part of my loan agreement. At that time, I contacted your office and your office resolved the matter. Please assist me in resolving this matter again. 
I continue to get correspondence from Wells Fargo indicating that they are looking into the matter. Meanwhile, I continue to have property tax and insurance added to my monthly mortgage statement. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo collection department has been auto-electronic dialing our phone number, which is on the do not call registry, and our loan is current, and not in collection. We have asked them in writing to stop. They ignore the requests. Last week we were called at least XXXX times by Wells Fargo auto dial, and a non English first language person who we could not understand left a message. We saved it so we can prove we are getting these calls.

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