BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been watching the current balance of my Wells Fargo checking account very carefully over the past few days in order to not incur an overdraft fee, and I have been transferring funds from my savings account to maintain a positive balance. I have taken a snapshot of my checking account balance page as displayed at the XXXX website, and the account never goes negative. I called to complain, and they offered to restore XXXX of the {$35.00} dollar charge, which makes no sense whatsoever, because they should n't have charged me the fee to begin with. 

They are claiming that the XXXX charge that shows as a pending transaction on the attached screenshot on XXXX/XXXX/2015 was actually deducted on XXXX/XXXX/2015, resulting in a negative balance. If a charge is shown at their website as currently pending, I do n't understand how it can possibly be deducted from my account XXXX days prior. You will note that I deposited {$11.00} on the XXXX, having seen the pending XXXX 's charge at the website prior to it 's being deducted from the account balance. I have also transferred an additional {$7.00} to further avoid receiving an overdraft fee for the pending BIGFISHGAMES charge. The available balance of - {$34.00}, as shown at the bottom of the " Activity Summary '' section is entirely due to their overdraft fee of {$35.00}, otherwise the account would still show a small positive balance of XXXX cents. 'Wells Fargo has pulled this kind of ridiculous nonsense on me in the past, and I notified your agency last year when they attempted this same thing. After being contacted by you at that time, they relented on XXXX {$35.00} overdraft charges, but worded it in such a way as to make it appear that your agency 's involvement in the matter had nothing to do with their decision to restore my funds, and that they were just being big-hearted, customer-friendly, respectable business people in making that decision. 

If it was n't so difficult to change banks, I would drop WF in a heartbeat, but I 'm not altogether convinced that the situation would improve by taking my business elsewhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am making a complaint about Wells Fargo. I bank through Wells Fargo and wrongfully receive statements through the mail that contain my name, address, and account numbers. Although account numbers are XXXX out at the top, they are written in full at the bottom of the document. There are not proper safeguards around my account information because mail can be easily stolen. My credit card information is frequently hacked and I believe this may be part of the issue. Additionally, I have opted out of mailed statements ( they should be online only ), but Wells Fargo continues to send me statements by mail.

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 2016-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the process of obtaining a loan modification.. I received documentation that stated my review would be completed on XX/XX/XXXX ... On XX/XX/XXXX, I was received knowledge that my home was auctioned by the mortgage company ... I had no knowledge of this information, the last correspondence received was that my loan was currently being reviewed for a modification.. When I called to inquire about this decision, I was informed the mortgage company did n't inform the foreclosure department to hold my sale date.. My home was illegally sold and now I 'm in a position that I have no where to go ... This is truly unlawful, I also spoke with the real estate brokers who stated the same thing happened last year with the same mortgage company ... Something definitely should be done about this.. the reason I asked for a modificaton is because my husband died unexpectedly ... I have not received any assistance from the mortgage company just alot of running around and passing the buck without anything really being done ...

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 2022-08-25
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2016-10-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been in default and trying to refinance our mortgage for several years now. Our most recent attempt resulted in a letter from Wells Fargo saying they do not have the authority to offer a HAMP modification as servicer to our mortgage. Wells Fargo was the original note holder and transferred it into a trust held by XXXX XXXX XXXX. Both Wells Fargo and XXXX HAMP are bound by the 2012 XXXX standards and must under law review our mortgage for a HAMP modification, however we believe they are attempting to use the TRUST to avoid this legal requirement. It is our belief that they intend to wait until HAMP has expired and then release the deed from the trust and then foreclose, circumventing their lawful requirement to offer us a HAMP modification.

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 2016-05-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/16, XXXX XXXX XXXX received a call from and was informed that the loan was eligible for the XXXX Lien Modification Program, Extinguishment. XXXX XXXX, from Wells Fargo, advised that a package was being sent to me with the information and document needed to fill out. For two times, XXXX XXXX XXXX spoke with XXXX XXXX where he would ask for the document, but the package had been sent to the wrong address, twice. On XXXX/XXXX/16, XXXX XXXX XXXX told XXXX XXXX that if only the XXXX was needed, it could be printed out and sent. The XXXX XXXX advised that on XXXX/XXXX/16, I was going to the office to sign the document. XXXX XXXX, from XXXX XXXX XXXX, specifically said to XXXX XXXX that the form was going to be sent out on XXXX/XXXX/16. So, on XXXX/XXXX/16 the form was sent and received by Wells Fargo as promised. 
Around the end of last week I received a letter from Wells Fargo dated XXXX/XXXX/16, saying that I do not qualify for the program because I was non-responsive. 
First of all, this is the first time that they have my address right ... only to say I do not qualify anymore ... how convenient! 
Second, how was I non-responsive? They sent the package to the wrong address twice and we sent the form the exact date we promised to send it. 
XXXX XXXX, from XXXX XXXX XXXX, called to find out what is going on with the account. She was told that : 1 ) the XXXX was incomplete -- I will let you judge if there is any missing information on the form. There is only XXXX borrower on this account and everything is filled out. 
2 ) that calls were made out to XXXX, and that someone spoke with her several times and she knew about the incomplete form. That is all a lie. After she submitted the form on XXXX/XXXX/16, she did not speak with anyone else. We are the most interested in solving this issue. But of course, it is not in the best interest of the servicer. 
3 ) the representantive on the phone ( XXXX from the Recovery Department ) stated that right now the full amount is due on this account. However, she still tried to get information regarding payments, asking if the borrower was able to make some payments of at least {$50.00} ... knowing that this amount was not going to cover the whole amount and it will just put at least some money into the servicer 's pocket. That is just wrong! She even said if the borrower could make a payment for them to try to solve the issue regarding the letter I received, as if I needed to make a payment for them to do their job. They are trying to collect money from a borrower that qualifies to get this loan forgiven. 
This is all a scheme to continue to perform fraud against us the homeowners. I am turning to you for help. 
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 2016-03-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am steady receiving harassing, threatening, abusive telephone calls, and death threats from Wells Fargo Bank debt collectors for a debt and checking account that do not belong to me. I have never applied or opened a checking account with Wells Fargo Bank. The checking account was opened in my name illegally and fraudulently, because someone stole my identity and personal information. I am a victim of identity theft.

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: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo Has taken a legal order fee from my personal Checking account without prior notice or notification. No mail or call or email. There is no proof to me they have any letter to do this. I 've asked in person and over the phone for a copy of such letter and they respond with " We will mail you a copy '' but they never do. 

This is not the first time they do this and all the other times I had to call and bug everybody to get it back. It is exhausting. They wo n't even instruct me on what 's the next step ( call who ever requested the legal order on my account, asked them to give you a letter to reverse this, etc ), nothing. 

I 've called the Wells Fargo franchise and then the legal department and they say they ca n't reverse it because it 's an order and they have to take money but what is so convenient for them is that they only take their {$120.00} dlls fee. Nothing more no other moneys just their fees. On a printscreen Im including youll see it does n't explain and it only says : " LEGAL ORDER FEE DEBIT CASE # XXXX ''. 

After I asked why, and who, I ask why are n't they notifying prior to taking the money ; are they looking to overdraft my account with their fraudulent takings? YES, it 's a fraudulent act when they do it without prior notice and I 've told them that. I asked them to reverse the transaction and to return my money till they notify me properly. They declined. 

I am requesting my money back to my account and I want to close my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
The original creditor, Wells Fargo Bank, sold my debt to a collection agency, and I paid the debt in full in 2011. The agency correctly reported the amount paid in full to the credit reporting bureau - however, the original creditor shows the debt as owing and 'late. ' I contacted Wells Fargo and they refuse to remove the debt from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo sent a check to me at an old address, noting that " a recent quality review '' revealed that I was " owed a refund for certain fees paid on '' an account that they reference. The check and account are in the name of " XXXX XXXX or XXXX XXXX ''. I do not know any XXXX XXXX, and I have not had an account with Wells Fargo since I was a college student in the early XXXX. I believe that my information was used fraudulently to open an account, possibly with this " XXXX XXXX '', and want a full review of 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 2016-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I asked Wells Fargo to cancel a savings accounts that I did n't need. They were created after they automatically changed a savings account to a checking account. They converted my unwanted checking account back to a savings account. However, they also created another savings account at the same time. So I now have XXXX savings accounts that I do not want. XXXX is a business savings account. I went into a bank branch and asked them to remove the accounts and they said they did. I still have all of the accounts several months later.

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 2017-03-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo continues to re-order transactions and delay deposits on my checking account. I reported them to you months ago with no meaningful action taken. Due to these corrupt banking practices to increase revenue for Wells Fargo through late fees, I go negative or I can not maintain a minimum balance in that account. Now, Wells Fargo is taking that information to try and reflect that I am financially irresponsible and applications for credit have been denied based on this slanted information. My non-traditional credit score is also determined by my bank account history. Not only have they made hundreds, if not thousands off of late fees due to re-ordering transactions and delaying deposits but now, they are ruining any chance I have at building credit or obtaining a loan. At what point is a banking institution truly held accountable? Never? How many fines has Wells Fargo paid for this very practice in different states? The answer is XXXX. Yes, I can leave the bank but the damage their practices have caused will follow me. I am revolted by the sheer lack of inaction and carelessness. Wells Fargo is preying on those most financially vulnerable in our society and nothing seems to stop them. I 'll leave you with a final thought, at what point, do the American people lose all faith in banking institutions because the corrupt are rewarded again and again for their corruption?

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 2016-11-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a short sale approval from Wells Fargo. The approval is valid to XX/XX/2016. The Approval specifies " You, as the seller, must advise your settlement agent that they must contact Wells Fargo Bank , N.A . no later than 48 hours before the scheduled closing date and provide a copy of the final HUD-1 Settlement Statement. '' Closing was scheduled on XXXX and I provided Wells Fargo the requested items on XX/XX/2016. These items were emailed to XXXXXXXXXXXX ' ; XXXXXXXXXXXX ' ; XXXXXXXXXXXX ; XXXXXXXXXXXX I contacted Wells Fargo on XX/XX/2016 XXXX inquire on the status - I did not receive a response. I contacted Wells Fargo again on XX/XX/2016 ( one day AFTER we planned to close ) Wells Fargo finally responded and requested the closing documents that I already sent XX/XX/2016. 
The buyer is very upset that this has been delayed and Wells Fargo failed to process the final closing documents efficiently and put the sale in jeopardy.

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 2017-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Letters were sent to the collection company asking to verify the debt they claim belongs to me. I have received letters saying it 's a verifiable debt but when asked for proof they send me copies of a bill. I havent received anything shows by that I signed for or agreed to pay this debt nor have I received information letting me know that I am responsible for this debt. Every time I ask for this proof they re age the account on all XXXX of the credit bureaus with an updated ( current ) date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I recently looked at my Wells Fargo credit card account and found the account to be overdrawn. I looked at the statement and tried to figure out why the account was overdrawn but could n't find the reason. So I emailed Wells Fargo customer serviced and received the attached email that was unbelievable at their answer. The letter stated that I was charged a late fee for being two days past due date. I checked my credit card by laws and nothing in the laws stated that I will be charged a late fee for being a few days late. This ban k is already under investigation for unlawful acts.

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 2016-07-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The lender Wells Fargo has taken from XXXX 2016 to now, XXXX XXXX to get our loan approved and get us to settlement. We were borrowing only XXXX, we have very high credit scores and own a home. Our loan was approved but the rest took many months and we really do not know why. The loan office kept telling us things were progressing. Due to what I can only see as negligence we lost the first house, and now, are on the third - due to Wells running out the clock on the deadlines. Wells Fargo does not respect contract deadlines. I want a government investigation of Wells Fargo lending practices.

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 2015-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied a loan modification from Wells Fargo in XXXX of 2015 because they supposedly reviewed my application and said that they could not modify my monthly payment to anything lower than I was currently paying. Since I ca n't afford my current monthly payment they told me there was NO WAY they could qualify me for a modification XXXX XXXX or and IN-HOUSE modification. I went on the XXXX website for XXXX and althouth I know this is not official, I qualified for a {$500.00} reduction in my overall monthly payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Colony Brands, Inc.
State: AZ
Product: Credit card
Issue: Other

Complaint:
I hired a law firm to help me with some of my credit issues. I have an account with XXXX XXXX and the law firm that I hired confirmed that the last time I made any payment was in XXXX of XXXX. According to my attorney, this account is past the Statute of Limitations and also past the reporting period for accounts to be reported on a persons credit report. They first sent out a letter via fax to inform them of what my attorneys stance was on XXXX XXXX XXXX. On XXXX XXXX XXXX I checked my credit report and the XXXX XXXX account still remains on my credit report. On XXXX XXXX XXXX, my attorney 's office called XXXX XXXX to follow up on the letter that they had sent. XXXX XXXX stated that they will continue to report it to the Credit Bureaus because the time started when the account was charged off in XXXX and not when I made my last payment in XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation