BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 

Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made 4 request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 

I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Wells Fargo put an Hard inquiry on my XXXX and XXXX Report that I did n't authorize.And also all subsiders it used.

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 2017-01-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in review for a modification with my lender, Wells Fargo but they refuse to remove the sale date of my home scheduled for XXXX/XXXX/17. They have told me they are transferring my loan to a new servicer and it will take a few weeks until the new servicer has my mortgage and modification review and by then I 'll have lost my home. They should n't have a sale date while I 'm in review for a mod, and they should n't transfer my loan with a sale date pending.

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: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
I was/am a Wells Fargo ( WF ) customer who was a victim of the scam/fraud that has been in the news lately. 

My story : I opened XXXX checking account and XXXX savings account with WF perhaps 10 years ago. However, about 3 years ago, a WF banker said I needed to open a second checking and second savings account. She gave no reason for this action, but opened XXXX anyway as I watched passively. I did not try to talk her out of this action because I was honestly confused as to what was going on. 

In late 2015, penalty charges were made to my account in the amount of {$30.00} per month for 4 consecutive months ( total {$120.00} ). When I called WF to question why the charges were made, the WF rep said, " Because your accounts are not properly linked. '' I had no idea what " linking '' meant and so complained vociferously about the charges saying this was a deceptive practice. The banker said, " You should have read the account agreement. '' I asked where I would find that agreement ; she said, " on-line. '' The banker finally said she would restore part of the charges and I said " no '' I wanted the full amount restored. I was livid. Finally she agreed and the entire {$120.00} was restored. It was restored, she said, because my account was large enough that they did not want to lose me as a customer. 

In the end, I did not lose money, but only because I spotted the charges and complained loudly to WF. And because I had a large balance with WF. Nevertheless, I would like to see my complaint go into the WF file. 

I conclusion, I have found WF to be deceptive about their business practices and continuously high-pressuring in their sales practices. It is impossible to do business with WF and not get a " full-court press '' sales pitch from them on their various products. It 's a terrible business model. They are the enemy, not the trustworthy banker you expect. 

Thank you.

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 2015-06-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
To Whom it may Concern, I 've been dealing with a fraud issue. I had fraudulent transactions on my card and it was taken care of promptly. About a month later there was more fraud from the same company. I was told it was because my card and the fraud had not been dealt with the correct way the XXXX time and instead of closing my card I was just issued another. 

The XXXX time there were XXXX fraudulent charges totally about XXXX dollars. On my statements I can see provisional credit for only XXXX charges. The merchant that billed the fraudulent transactions reimbursed all XXXX of them and Wells Fargo promptly debited my account for all XXXX charges, stating I had already received credit for them. However, I had only received credit for XXXX transactions, leaving me approximately {$250.00} short. 

I was told that I had received the missing credits on the old card before the balance transfer and I would see it on my statement. It did not appear on my statement so I called again and was told I would get another statement in the mail that reflected that I had received credit for all XXXX transactions. I have received nothing, there is no proof I ever received credit for those transactions ( Aside from credits that were later taken away as debits ). I just want tangible proof that I was reimbursed or credited for those charges. Today on the phone I was told I had received credit ( even though it was debited shortly after ) so my request for written statements has been denied and I need to accept verbal confirmation from them that I had been credited. All I am asking for is a document showing XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. All they can produce are statements for XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. There are XXXX missing credits. By law I am entitled to these records. The bank is telling me I am not, I need to just trust that they have done it. I have been asking for documents for 2.5 months, the bank can produce none.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a XXXX eligible investment property loan thru Wells Fargo. 3 years ago I tried to refinance using XXXX. After 3 months of documentation gathering, they told me I could not refi because I had more than XXXX rental properties. They said it was their " internal '' requirement, not XXXX of XXXX. I just started the process with them again because they said they now waived that requirement. I was eligible in every way except I want my ex-husband 's name off the mortgage because he would not help me refinance it. I was successful getting this done thru XXXX refi on XXXX other properties 3 years ago. Now Wells Fargo says they ca n't because all of my rent money was being deposited into a bank account that had my name and my property management name on the account. They said that is not considered " personal '' funds and I have to show I made the mortgage payment with my " personal '' funds for the last 12 months. I was pretty sure last time I just had to show that my ex-husband 's name was not on the bank account but they said no, that was not the XXXX guidelines. I am paying them 7.25 % interest on the loan. I think they just want to keep getting the higher interest. Can you help? Can you clarify " personal '' funds for the purpose or removing XXXX person 's name from the loan when refinancing?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was checking my credit score on XXXX XXXX this norning and saw there was XXXX open account and about feel over. This was with america servicing company which was a nightmare in its self. long story short we filed bankrupsty on XX/XX/XXXX and reaffirm to keep the home. 
I tried to refi to lower interest rate and was told numerous we did not qualify, finallly in XXXX XXXX our house was auctioned off .and sold We live in a rv and lost everything. All I would like is to have this corrected how can I still owe on a home that is already sold nearly 6 yrs ago. please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Per my divorce agreement, my former spouse was responsible for all debt including the mortgage. I gave him the quickclaim deed like I was required to do. Instead of putting the mortage in his name as required by our paperwork, he filed for bankruptcy. The mortgage company included me in on the bankruptcy and negatively reported me to the credit bureaus. I feel this is unfair. I did not file for bankruptcy, sign as bankruptcy paperwork and when I called the mortage company to explain the situation, I was told there was nothing I could do about it. I spoke with a lawyer and he informed me that Federal Law trumps Family Law, so I could only hope the bank did n't come after me for his debt even though he was responsible for paying that debt. The result was the Mortage Company discharge the loan and negatively reported me. My credit score dipped down to XXXX after this happened. I have worked very hard to bring my score up. I feel since I can prove through my divorce papers that my ex was responsible for payment of the loan, the incorrect information should be retracted from my credit report. Why is there no protection for the spouse who does what is lawfully required of her, but the other spouse can max out every card, buy a new truck and then just quit paying his home loan and get away with it? I pay the price of not being able to buy my own house, a car, and/or secure a higher paying job because my low credit score dings on a background check for employment?

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 2015-12-27
Company: KEYCORP
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My ex wife and I had a HLOC and a note on our lake property which I now live in since we are divorced. The court order mandates that I maintain payments on the debt which I have done every month. We have never missed a payment until Key Bank stopped taking payments out of my account. The actual Key Bank debt was discharged from me in XXXX but my ex wife is still liable for the debt. She did not let me know about the note due at the end of XXXX since she had all the documents. That is when they stopped taking payments out of my account and did not notify me ... I had to find that out on my own. After a series of calls I findly contacted their outside counsel who instructed me to continue to make payments and I have. I received a letter on around XXXX XXXX, XXXX stating they were going to start foreclosure. I have told them all along to roll the note over into my name ... no cooperation. The whole issue is over a legal piece of paper not about failure of payment!! The bank has put themselves in a position of not wanting to solve the issue. I have talked to outside legal counsel and they are scratching their heads as well. I need someone to intercede on my behalf to talk with the bank because every person I talk with gives me a different answer ... mean time they are pushing for foreclosure internally while the banks outside legal counsel tells me to do something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: CORELOGIC INC
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XXXX XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.

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 2017-03-21
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
University XXXX report debt to GLA collection after my health insurance paid for my child doctors visit. I contact GLA and show proof that bill was paid by sending them a EOB an explanation of benefits that show proof that they have paid. The collection company refuse to remove inaccurate information from my credit report. I do not owe this debt they need to remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: WELLS FARGO & COMPANY
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 need your help in order to get in touch with my bank and try to solve my problem. I would like my Wells Fargo Business Card to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$1000.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you

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 2016-01-04
Company: KEYCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had issues with my Keybank account for 6 months. I have been with Key Bank since XX/XX/XXXX. Only in the last 6 months have I had issues with my account having fee 's. I can write a check and make a cash deposit to cover that check. Only to find that a week later a auto pay that should have been declined was paid and my checks were not. Seeing that I had paid these long before the auto pay came out it should have been paid. No, I was charged XXXX return fees. ( then more fees 2 weeks later as the checks where re-ran without notice ) I have gone into the bank to clear up a few issues as my savings account had hidden fees and was not told about it. I went to a branch and asked to clear it up and was told my account was closed with no notice and there was nothing that they banker could do. I called the phone banking system and told this to a phone banker and was told that they process the highest payment first and do not process transaction in the order that they have received Them. Because of this policy I have been charged over {$800.00} in fees XX/XX/XXXX. It is XX/XX/XXXX I have not touched my account for a month and it has grown to - {$420.00} dollars. I have been reported to XXXX with no notice and this has seriously affected my income and my finance 's period. I have gone into branches and called in several times and get told there is nothing they can do for me. I want my fee 's paid back and my name cleared out of XXXX I should be reported for a bank account with hidden fees that the bank will not make right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I paid off my Wells Fargo credit card in XXXX, 2016. I had a balance of {$0.00} on my next statement. Then, on XXXX/XXXX/16 I received a new alert that my payment had been reversed and I owed {$490.00}, which is my current balance. 

Wells Fargo can not give me a reason for this reversal. I do not currently have the money to make this payment and refuse to pay it again without a good reason why.

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 2015-06-01
Company: WELLS FARGO & COMPANY
State: MT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I withdrew money out of my account at a branch of my bank in another State. Later, I took the money out of the envelope, counted it and discovered that I am short {$100.00}. The teller counted the money out incorrectly!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, Several years ago I took out a line of credit home equity loan from Wells Fargo Bank to perform home improvements on my prior home in XXXX, XXXX During this time my family and I moved from XXXX, XXXX XXXX, XXXX for a job opportunity. During this time we were unable to sell our home and it was foreclosed upon. At the same time I filed for Bankruptcy that which included the line of credit loan, which appeared to have been assigned to a XXXX law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Subsequently my children and I moved back to XXXX ( XXXX XXXX area ) in XXXX XXXX and continued to pay the BK amount for the year. Subsequently, I received a letter which informed me I was not paying enough and the BK was being withdrawn. The amount owed for the WFB account was XXXX {$33000.00} ( which is confirmed on the XXXX website ). In XXXX, I received a letter from a XXXX court informing me a court order of garnishment for XXXX {$100000.00}. I have requested an accounting of the amount they have listed to validate/confirm the amount. XXXX XXXX XXXX XXXX letters have been sent to XXXX XXXX XXXX without any response. 

There are several issues that are quite unclear. 
How can a court rule without notifying me of a hearing date and then pass judgement? 
How did the outstanding amount go from XXXX {$33000.00} to XXXX {$100000.00}? 
Why have they not provided me with an accounting? 
I do not live in XXXX and have not for several years, should this not be handled in a court XXXX? 
When I moved to XXXX the court that handled the case was in XXXX and the reason I was given was because this is my place of residence. Now that my place of residence is XXXX should it not also be handled in the state of residency. 

Please help me in getting a response and a new hearing to validate the outstanding amount.

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