BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have attempted to log on wells fargo to make a credit card payment since XXXX 2016. The reps continue to tell me they can not help me to access online banking even after I provide numerous security and personal information. When asking for contact information to manager he stated he was the highest level supervisors present, I clarified I wanted to speak with his manager who he reports to, he said he was not available and provided me only a name and no contact information. XXXX then asked me a series of questions, I spent XXXX minute with a supervisor, XXXX from the XXXX call center, who would not provide an id number. He had me provide XXXX of my last payments, social, old and new phone number. They state I must have my credit card number, expiration and XXXX digit code to proceed and to call wells fargo back when i have it. XXXX did offer to send me to other departments for to attempt to make the payment. After XXXX minutes XXXX transferred me to credit card services. He stated there may be a longer wait time, I asked XXXX to wait on the line so I was not disconnected, XXXX hung up, transferred me to XXXX who was unsure why I was calling. XXXX provided my minimum due and payoff amounts. I spent over an hour on the phone with no resolution. I still am unable to access my accounts online, I am now unable to see transaction history nor receiving statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed a credit card that was stolen and file police report gave case number to Equifax back I XX/XX/XXXX and the XXXX account was remove from my credit file. XX/XX/XXXX the XXXX account reappeared again on my credit report after 6 years. They can not just put anything they want back on my credit file. Also I have no missed payments or collections or public records and I was denied credit for serious delinquency. I contact Equifax who verified that I do not have any delinquencies but XXXX has denied me a credit line increase due to Equifax reporting as per letter I received. I am being block credit when I have good credit XXXX score. I want Equifax investigated they told me to have XXXX call their Business off ice to straighten this out. why is the business office involved with my social security number. This is a violation of my civil rights and corruption. I want all my information at Equifax updated and correct in the business office files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
America 's Servicing Company ( ASC ) is refusing the borrower 's legal representation to speak on the borrower 's behalf and is also refusing the borrower 's right to obtain information on the the borrower 's own account. ASC was sent Notice of Representation on XX/XX/XXXX ; hereto attached. ASC did not send acknowledgement of his representation until XX/XX/XXXX, hereto attached. The XXXX XXXX XXXX XXXX XXXX XXXX has continued to represent the borrower to date. All correspondence relative to this account is mailed to the address of the XXXX XXXX XXXX XXXX XXXX XXXX. ASC Correspondence began to reflect an associate attorney XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX as the authorized representative without instruction from the borrower or The XXXX XXXX XXXX XXXX XXXX XXXX and is no longer allowing the borrower or the borrower 's legal representative to obtain any information on the mortgage. The borrower has a sale date approaching on XX/XX/XXXX. The first authorization took a turn around time of over 2 weeks for ASC to process the authorization. If ASC takes 2 weeks again to process the Notice of Representation as being requested again it will surpass the borrower 's sale date. This is truly a misjustice to the borrower as well as many other Homeowner 's faced with these unethical practices. On XXXX we attempted XXXX phone calls to speak on behalf of the client and were given XXXX different responses each time we called ; At the end neither the borrower nor the attorney were able to obtain mortgage information due to the borrower being represented by legal counsel. We are requesting an immediate escalation to this matter due to the pending sale date. We are requesting for ASC to reflect the correct represenation as prescribed in the Notice of representation as The XXXX XXXX XXXX XXXX XXXX XXXX. Attorney XXXX XXXX also reflects his name misspelled in all correspondence received from ASC. The authorization should not list an associate attorney of the Law Firm as the authorized representative but should reflect The XXXX XXXX XXXX XXXX XXXX XXXX. ASC continue to stated the XXXX XXXX XXXX XXXX XXXX XXXX is not longer authorized but continues to send all correspondence to said Law Office 's address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in 2013 I filed for divorce and was awarded our home having XXXX children. I knew i had to change careers to earn more income so I did but it was still not enough because it was still XXXX income. I tried to refinance the home threw Wells Fargo and talked with XXXX XXXX there XXXX. After being behind 2 months during the process of applying I was able to save the money to catch up on my payments. XXXX XXXX advised me not too for the fact that the refinance committee would ask were the money came from and not to pay it. She urged me to stop paying all together. I followed her advice. Over a matter of weeks I followed all the instructions XXXX XXXX had given me. I only ask that as i try to make a quick sale that Wells Fargo will grant me 60 days additional for the sake of my XXXX daughter XXXX so this does not traumatize her. This has been an absolute nightmare for me to take on alone so that my children could focus on there studies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I experienced some financial difficulties after the death of my wife of nearly 40 years. I was diagnosed with XXXX XXXX and then layed off from my job shortly after. I regrettably was left with no choice but to file bankruptcy. Since that time, I have returned to the work force and have attempted to work with Wells Fargo to avoid foreclosure of my home. I am willing to assume XXXX % of the debt on terms that I can afford which are terms that I know Wells Fargo has offered to other borrowers. Wells Fargo refuses to work with me and unfortunately, I believe that they are discriminating against me due to my age. I have knowledge of a younger working man that was offered unbelievably generous modification terms from Wells Fargo but I am told that they are not willing to consider a modification of my loan unless I agree to terms that I can not afford. I believe that they want to take my home and are unwilling to work out any other solution. I have been in the home since 1989 and have an emotional attachment because my wife passed away in the house. I am trying to workout terms with Wells Fargo that are much more beneficial to them than they are to me but I was just told that they will not consider a modification under any terms and will only move to foreclose. This seems punitive and unjust. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been getting emails and collections letters telling me to pay money from banks of Wells Fargo, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and they asked me not to send any money orders or checks, only said they would accept Cash Only in the mail.Someone stole my identity and opened up bank accounts in my name and then they overdrawn the accounts in excess amounts of money.These banking institutions would not send me any proof that I owe this money and my signature was forged on all these fraudulent bank accounts.I have been giving money to these institutions and collections threatening me with jail time and not sending me proof that I opened these accounts.I have been giving away large amounts of money.

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 2017-02-10
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Credit card
Issue: Late fee

Complaint:
I was charged a late fee with Target for not paying my payment on time. It was due the XXXX and I paid on the XXXX but it was after XXXX. I was not aware there was a cut off time. I called in reference to my bill because of this. I had a due amount of my regular monthly payment and the {$27.00} dollar late fee. The customer service person said sincnce I had a good record with them and was not aware she would credit back the {$27.00}. I assumed then since she took off the {$27.00} I know longer owed it and paid my regular payment. Then my next statement said I did not pay all due and charged me another {$27.00} and a {$38.00} fee. I called about this and he said even though they took away the {$27.00} dollars I still had to pay it. I did not understand and asked to dispute it as now they say I owe next payment {$110.00} dollars. They said I could not dispute this. I was very upset and became emotional and cried. He then set me up on a plan so that instead of owing my next payment {$110.00} it would be {$83.00}. I was crying as I was so upset. I told him they were XXXX over the customer and that who would not think if the late fee was credited why would a person still have to pay it. Then they really did not credit it. I still do not understand this entire handling of my account. Can you assist. Do I have any recourse?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing the Wells Fargo Dealer Services account that is on my credit report with you. It is the only Wells Fargo Dealer Services account listed. 

I settled this debt with Wells Fargo Dealer Services in XX/XX/XXXX. This completely resolved the debt that I owed. I also do n't know why this is showing up as being late in the months after XX/XX/XXXX. If I do n't owe anything, how can you and Wells Fargo Dealer Services say that I am late? That 's impossible and does n't make any sense. 

But regardless of the reason, please delete the balance owed and make it show that I owe XXXX and delete the history after XX/XX/XXXX in which I paid this account off. Please make sure this is corrected and stays corrected. If you ca n't get a straight answer out of Wells Fargo Dealer Services then just delete the account. I do not want false information on my credit reports. 

I 'm enclosing a letter from Wells Fargo Dealer Services acknowledging receipt of my settlement payment and that the account is settled and I do not owe any more money. 

If you or Wells Fargo Dealer Services ( who I 'm copying with this letter ) decide you want to keep this account on my credit reports, please explain to me in writing why you are doing this. Explain why you are keeping this. To all of you -- show me the documentation that explains how I can possibly owe money when I have settled the account. I 'll be shocked and disappointed if you keep false information on my account and do n't even make an effort and explaining why you are doing this to me. 

But I 'm confident and hope that you will remove this false information from my credit reports. I 'm trying to make it easy for you to get in touch with me as I must have this false information removed from my credit reports. 

Thank you for correcting this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 I contact Navy Federal Credit Union not being able to complete or add a biller for payment. The Customer Respresentative told me that only way me to add new biller I must have desk top computer. I explain to the Customer Representative that I do not have desktop and I only could access my account via IPAD and IPhone. Why is that account access does allow you access you account and setup bill payment on other device then desktop. Because I 'm unable to pay my bills this process should available thru various tech equipment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a durable power of attorney for my mother 's Wells Fargo credit card account. Sent copy of POA to Wells Fargo twice. Wrote letters twice. They acknowledged each time in writing. Despite the effort on my part, Wells Fargo continues to deny me access to the account. Customer Service makes NO EFFORT to resolve. Just refuses to 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 2017-02-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I deposited what turned out to be a fraudulent check drawn on Wells Fargo by mobile deposit to my savings account at Wells Fargo on XXXX at XXXX XXXX Time for {$2400.00}. They gave me full availability of the {$2400.00} on XXXX at which time I withdrew {$2200.00} and the bank then returned the deposited check on XXXX creating an overdraft in my account of over {$2000.00}. Wells Fargo rep explained that they do not process mobile deposits until late the night one day after the deposit was made. This means they honored the withdrawal request before they processed the transaction. That gave me the false assurance that the deposited check was good. The cash is gone to the perpetrator and now they want me to cover the overdraft. The fact they wait a whole business day before processing these deposits is for their convenience and the consumer should not be held accountable for the consequences of this delay. Also UCC 4-301 ( b ) addresses the final payment of on-us checks deposited and states that the payor bank has until midnight of the next banking day to decide whether to honor the check. If they do n't act by midnight deadline, they lose the right to dishonor the check. 4-214 ( c ), 4-301 ( b ). The mobile deposit confirmation states " The following mobile deposit was made on XXXX at XXXX Time '' and her account statement shows the deposit under the posting date of XXXX. Therefore, applying UCC 4-214 ( c ), the deposited check drawn on Wells Fargo should have been returned and charged back under the posting date of XXXX. It was not. The chargeback is posted under processing date of 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 2016-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
A bill payment that was initiated through Wells Fargo Bank 's online website was delayed beyond the " 1 - 5 business days '' quoted ( and posted in writing ) online. Consequently, the payee received the bill payment late. The excessive delay created late fee ( s ) and interest charge ( s ) for the payee. As such, I requested that Wells Fargo Bank contact the payee and provide a XXXX XXXX translator, so that the payee could fully understand the conversation. A manager in the Bill Payment department of Wells Fargo Bank refused to provide this XXXX Translator. Further, one of the employees in the Bill Payment department made at least XXXX false statements regarding providing a XXXX Translator.

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 2016-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
After making an electronic payment on my credit card which placed a positive balance in my favor on the card of {$140.00}, Wells Fargo informed me that while the payment for the card had been credited to my statement that the funds would be held for 15 days and my credit line would be unavailable until after the 15 day period. The {$140.00} balance in my favor would also be unavailable. The withholding of this portion of the payment is nonsensical to me considering the payment was an electronic 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 explanation
Consumer complaint received 2017-03-07
Company: WELLS FARGO & COMPANY
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I just need the excessive phone calls to stop, they are XXXX me to the point of feelings of worthlessness and thoughts of XXXX as the only solution.

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 2015-04-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are aware that on XXXX XXXX, an Agreement between XXXX mortgage servicers and federal banking regulators was realized that ended in the XXXX Foreclosure XXXX program for those servicers. This XXXX attained in XXXX includes an estimated XXXX XXXX dollars in cash payments to be distributed to borrowers whose primary residence was involved in a foreclosure process in XXXX or XXXX as reparations after regulators found that unscrupulous mortgage practices led to foreclosures across the country. 

Although the residence in question may not have been a primary residence, we still believe that fraud was committed as with a great majority of the foreclosures processed in XXXX or XXXX. This bank did not discriminate their unscrupulous mortgage practices based on residency being primary or secondary. During XXXX, we argued the validity and legality of the foreclosure, in which Wells Fargo finally dropped the case with a lack of evidence/documents that we requested. We feel as though we should be compensated for the erroneous foreclosure, as it impacted our lively hood just as much as any borrower. We feel that Wells Fargo practices was deceitful, that they should be punished regardless of the status of the house ( XXXX ). Illegal is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
How long can a mortgage company hold an escrow account after a loan has been paid off? I made a mistake when I attempted to pay off my Wells Fargo Morgtage. I did n't call and ask for a payoff balance however, on XXXX XXXX, 2015, I sent the balance reflected on my WF online bank account. On XXXX XXXX, 2015, WF debited the regular installment amount so there was sufficient funds to payoff the account. On XXXX XXXX, 2015, I called WF and the customer service representative said that the bank did n't know what to do with the funds. He acknowledged that there were sufficient funds on hand and proceeded to complete the paperwork to payoff the account. On XXXX XXXX, 2015, I received a check from WF from my inquiry. No one from WF contacted me to inquire what to do with the funds. However, if I am one day late on my mortgage, there is no doubt I 'll get a call concerning why the payment was laWF held my funds over 30 days and made money off of it before they sent me a check. 
Poor customer service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On or about XXXX/XXXX/2016 noticed a charge of {$620.00} on my Wells Fargo Visa credit card for XXXX XXXX. On XXXX/XXXX/2016, having not made such a charge I contacted Wells Fargo and initiated a dispute. Eventually I was told the charge was proper based upon the merchant showing proof of the charge and that the merchandise was received by me and because the card was n't reported stolen, as such the dispute was closed saying I owed. Then I filed a dispute in writing by fax and was told the charge was improper and they was crediting the {$620.00}. Then around XXXX XXXX or XXXX I observed my available credit had gone from more than {$2000.00} to {$100.00}. Low and behold, they lowered my credit line, did n't say a word to me about it. I sent another dispute on that issue XXXX/XXXX/2016. Awaiting a response but believe they have little to no business ethics.

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