BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, I was the victim of an elaborate scam - wherein I was hired by a company named XXXX XXXX to complete work by cashing a casheir 's check at my bank Wells Faro, and redirecting this cash by sending a XXXX to another XXXX provider. I had no idea this was a scam, as it was a very valid looking cashiers check that would be cashed, so valid that the bank cashed XXXX of these checks. Only to later find out that this was an invalid account, a bogus cashiers check and a fraud. However, Wells Fargo held me responsible, rather than their employees for cashing and my account was debited in those amounts {$1100.00} and {$2300.00} - Which, I must add had been reported as fraud to several agencies. 
Fast forward to XX/XX/XXXX I am a struggling graduate student trying to pay for coursework, and my sister sent me a check for {$1000.00} to help. I went to Wells Fargo on Saturday XX/XX/XXXX, to cash the check upon which it was drawn, ( I might add my sister has been with Well Fargo since XX/XX/XXXX ). 
When I went in, I was approached by their personal bankers to avoid a fee to cash this check, would n't I like to open a personal checking account to avoid the fee 's I briefly explained that I do n't think i would be able to since the last problem, ans was assured that things have changed and we could try. So, I acquiesced and lo and behold I was approved to open the account, which we did and was given an instant debit card, which I used that evening. The personal banker was to be in touch on Monday, and she did never mentioning this old account. I went to use my card on XX/XX/XXXX and it would n't work. So, I went into the bank first thing XX/XX/XXXX and received another instant debit card, it still would n't work, upon return to the bank this time, I was informed they would n't be able to issue another debit card, and in fact would be freezing those assets for this old account as past due monies. Which, I never accepted or reaffirmed this debt in any way - in fact maintaining both I and Wells Fargo Bank had been victims of fraud. 
Now, Wells Faro has directed me that if I call to make a payment plan with the loss prevention team, they will THEN decide after making this payment arrangement whether to refund all, part or none of the deposited amount remaining which is {$780.00} - I feel like this is a form of extortion, and furthermore - I feel that it was very deceptive. Please also note : My sister who is on limited income due to XXXX, out of the goodness of her XXXX was loaning these monies to assist me to complete my XXXX, and really does not have this kind of money to pay an old bill of mine, nor to just chalk up to a loss. 
If there is any way in which your agency could assist me to at least get these monies back to her - it would be greatly appreciated.

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 2015-11-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Dealer Services has continously overcharged for the auto loan on my 2006 XXXX and kept me uninformed about details of my loan and its terms. 

1 ) I just found out from a wells fargo dealer services representative that I was assessed/enrolled in comprehensive auto insurance through the Auto dealer XXXX at the time of the purchase as part of the reuirement to qualify for the loan..At the time of the purchase I was not informed of this requirement. I was alo asked to get a second comprehensive insurance for the duration of the loan which I also purchased independently. In essence I was asked to carry XXXX insurance policies on the same auto. 

2 ) In reviewing my loan payments it appears my interest rate on the loan was raised without any notification. Wells Fargo Dealer Services reps have been extremely rude when inquireing about my loan issues and very uncorporative with information about the details of the loan and its terms. 
3 My car was reposessed after only one month late on my loan payments. Fees and charhges for repossession, storage and penalties appear to be excesive. 
4.Wells Fargo continues to charge for auto insurance ( wells fargo insurance ) even though I have comprehensive insurance on the my vehecle and have notified them of it. 
. 
If and where there have been deliberate overcharging and exploitation I want a refund on the overcharges and excesive fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan out with Navy Federal Credit Union that has been awarded to my ex-spouse in our divorce proceedings that is still showing on my credit report. I have offered multiple times to provide them with a copy of the decree, but they were unwilling to accept it. This is adversely affecting my credit score and history and I would like to have it removed. The account has been charged off because my ex-spouse has refused to pay since 2013.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: AMERICAN EXPRESS COMPANY
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
Fradulent, unauthorized charges were made to my American Express credit card. I reported these charges to American Express in less than two days. They issued me a new credit card but have neglected to reverse the fraudulent charges.

American Express is in violation of the Federal Credit Card Fraud Law because this financial institution did not limit my liability to fraudulent activity as required by the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Other

Complaint:
In 2008, I was offered a credit card from Wells Fargo Bank. I excepted the credit card incase of emergencies and went over the particulars with a personal banker. One of the topics was rather I wanted to have it linked to overdraft perfection ; I declined to have it linked to overdraft protection as I used a saving account for this. I also knew that if attached to my credit card that interest would build on overdrafts and any fees. 
I attempted to use the card during an emergency sometime in 2008 after never using it and found out that the credit card was full in the amount of {$800.00}. I contacted the bank and they told me it was link to my overdraft and that is why it has the amount of {$800.00}. I took responsibility as my car insurance came out and I used my debit card for about 2 days not knowing it was over drawn. Wells Fargo charged me fees on top of using my credit card which I never allowed them to use for overdrafts. If It was set up to my savings account like I had requested, the money would have been taken out of there and I would have only been charged XXXX small fee. The banker had signed me up for this to gain more of his/her incentive and I went to the branch to dispute this but they continently told me there was nothing they could do. I paid on this bill as I continued to try and dispute it but they would not help in any way. 
I have been paying on this credit card and have it almost paid off. During this time I was still disputing these charges and about a year ago I did not want to pay anymore until they worked with me as this was unlawfully and unknowingly attached to me account and the card has a really high interest rate. During this time they sent it to collections and I am now having issues with my credit and obtaining any financing. 
I am and have been willing to pay my over drafts and even the fee that would have been placed to my savings account. I have now paid XXXX 's of dollars in overdraft fees and high interest due to this banks negligence to monitor what their personal bankers do to receive there quotas. 
I have no problem paying the card off at this point but I do n't deserve to have this negatively affecting my credit as I have paid them over a XXXX 's in interest and fess that I should have never even had to begin with. ( fraud )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: WELLS FARGO & COMPANY
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was in the XXXX program at XXXX XXXX XXXX XXXX College in Iowa. I had taken out all of the federal loans that I could available to me. The head of the hygiene department recommends you do n't work during the program because it is so difficult. XXXX recommended the Wells Fargo student loan program. I was naive signing up for the loan because I thought I could pay it off quickly after school. I could n't have been more wrong. 

Unfortunately, I was moderately XXXX right out of XXXX school from a bad XXXX who called me by the wrong name then XXXX Not Wells Fargo 's fault but I have been working full time in constant pain making a good income to pay off this student loan. I am struggling to pay it off because the interest on the loan is so high. And I 'm doing that because I want to do what 's right and pay off the amount I borrowed from Wells Fargo. It 's a 30 year loan and the interest rate is 12.24 %. Almost all of the payment goes to the interest on the loan, not the principal. The amortization schedule is crippling. 

I took out {$20000.00} initially. By the time I started repayment after XXXX, I owed $ 27,000+. I 've been paying for 5 years totaling {$12000.00} and the principal balance still owed is {$24000.00}. We 've asked them repeatedly if they would accept a payout amount and have been turned down and they want {$24000.00}. We 've even stopped making payments at their customer service staff 's recommendation which damaged my credit to see if they would work with us. I was almost to default ( I cringe thinking about it ) and no luck they would not work with us. Also, Wells Fargo denied their customer service reps would ever recommend that to us. 

I found out another girl from my XXXX class is struggling with the same issue. I 'm not alone. I ca n't even imagine how many other past students are struggling with this right now. Please, I beg you not to take out a Wells Fargo student loan so they can no longer offer this predatory loan to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, I had a mortgage with Wells Fargo since XX/XX/XXXX, and just recently XX/XX/XXXX my house was foreclosed upon and sold at sherriff sale. I tried for a loan modification with them supplied them EVERYTHING they needed twice. They did not help me, said I did n't qualify because I did n't make enough money to pay a mortgage. So now we have to be out of our house by XXXX per the sherriff. I am highly XXXX, considering Wells Fargo was bailed out by the government and they could n't even help me and my children keep my house. I am tired of playing the game with the mortgage company considering they are getting an empty house when it has n't even been sold, and putting a family of XXXX on the street, with as of right now nowhere to go while they sit making their XXXX figure checks, I hope they can sleep at night knowing this. I am not going out without a fight, this is my house and I could have been paying them something even if it was not what they were asking for monthly, they could have obliged!!!! Also my housing Counselors office ( XXXX ) that was supposed to file all my paperwork, had me do everything minus what I could n't and she could do. I feel they did not go above and beyond helping the customer out while them too are getting government funding to do their job, it 's a disgrace how many times I had to go to court to be told the same thing that Wells Fargo is tired of trying to help me out ... really, when did you try to help me out? When you sent me the foreclosure papers, not helping me with a loan modification, sherriff sale eviction, which one did help me out again with, I 'm confused. They should be ashamed of themselves all of them, from the top to the bottom. You did n't help anyone out but yourselves in your pocket.

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 2015-12-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear XXXX ; In receipt of today 's conversation with the representative and point of contact from the Wells Fargo Home Mortgage Executive Resolution Team, XXXX XXXX. It has become crystal clear to me that not only are the representatives stalling for time and are also un-knowledgeable concerning my account. I was given a scope of reasoning for which there were XXXX escrow analyses performed within a three month period, without my consent. Additionally inquiring about the unapplied funds from the deposits I personally made. XXXX for {$490.00}, {$820.00} and {$1100.00}, which have not been applied and gaining interest by Wells Fargo. The reason I know this is due to the fact that I have now begun to receive correspondence from the NC Foreclosure Prevention Fund and State Home Foreclosure Project / case # XXXX. XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX XXXX. When inquiring to XXXX XXXX as to why I started to receive this correspondence and if the deposits I made had been applied, his reply was that he had no knowledge. One of the reasons one is appointed a point of contact and working on this issue since XXXX 2015, is to gain a scope as to why this is occurring. It is appalling to continue to be forced to have an outside agency look into these matters, when this organization ( Wells Fargo Home Mortgage ), is supposed to be of assistance in these matters. I have personally walked into the branches of Wells Fargo and made all of my payments over the counter and in person, I 'm also familiar with the branch managers. They have also had to hear of my frustration with the XXXX branches. Additionally when making these payments, it is my understanding that Wells Fargo Bank , N.A . are directly linked to Wells Fargo Home Mortgage, in making and receiving payments. So I ask the question, why are my payments not being directly applied to my accounts. I herby request a full audit of my records and payments and also request a point of contact that is fully knowledgeable with the payments and banking institution of the XXXX. I also requested all payments posted, as I have all of my bank deposits and records available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
re wells fargo bank mortgages, XXXX CFPB casses against, re wells fargo partial responce letter yet again i can not open? numerouse complaints for the same actions what is the piont sending something i can not open? so i have desputed on them grounds, Please explane why wells fargo bank can not email me they have served documants to case on me why dont they want to EMAIL

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
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In the matter of XXXX vs. XXXX, XXXX XXXX INDEX # XXXX Summons and Complaint : No one personally served Summon and complain upon defendants, mail or otherwise. 

On XX/XX/XXXX @ XXXX at XXXX XXXX XXXX XXXX XXXX NY, XXXX, XXXX XXXX XXXX sworn to an affidavit of service that he personally served both XXXX, XXXX XXXX on XXXX, XXXX XXXX XXXX had to have keys to enter the building to go to the second floor. This is a private building with a secured front door. At that time in question I was at work and XXXX has a XXXX, there is no other way she could have gone down the steps to the front door to open it without my help. If XXXX XXXX had served me XXXX XXXX at that time and date at XXXX XXXX XXXX XXXX NY XXXX then the affidavit of service would of have some substantial merit. NOTICE that XXXX XXXX XXXX did n't give any characteristics of the hallway or the building description, furthermore he describe XXXX XXXX as XXXX indicating he never came into contact with XXXX XXXX. 
NOTICE : That XXXX XXXX XXXX was reprimanded for acts of the same nature : DEPARTMENT OF CONSUMER AFFAIRS against XXXX XXXX Violation # XXXX. 

2- After an intensive investigation, all assignments of this mortgage are fraudulent in nature a matter of factual discovery there were no sale. All plaintiffs, XXXX, WELLS FARGO and all of them have no standing to bring any foreclosure action and have brought fraud into the honorable court. 
Assignment of Mortgage to XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. 
XXXX XXXX XXXX working for Wells Fargo NOT XXXX. 

Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. working for Wells Fargo NOT XXXX Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX, Home Equity Mortgage Asset-Backed Pass-Through Certificates, Series XXXX. 
Signed by XXXX XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee, onXX/XX/XXXX i call WELL FARGO and spoke to XXXX XXXX XXXX @ XXXX that confirm that XXXX XXXX XXXX XXXX is an employee of wells fargo NOT XXXX. 

ALL INFORMATION ARE FACTS WITH SUPPORT.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS

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: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from XXXX/XXXX  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX/XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.

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 2016-06-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Hi Wells Fargo bank complaint I tried withdrawing my funds to pay my rent on the XXXX of the month, as I always do, the bank did not allow me to do so. 
They placed a block on my card without my permission. 
As I result, this has cost me about {$30.00} in transportation fees. Possibly a late fee on my rent too. I said a prayer hoping that they do n't. 

They said that there are daily limits on my account. I asked for an increase on my daily limit. Wells Fargo declined it. 
I have had my account in good standing for almost 1 yr now. 
There is no reason for the company not to approve the increase. 
It 's a checking account, not a credit card. 

My check is on time every month, and the same amount is deposited. 
All companies are aware of when deposits are coming in from ssa. 

I 'd like to see a withdrawal limit to the amount that I deposit each month on the XXXX. 

I have been working hard to clean up my credit. 

Can you make a change to banks to increase at least the debit card charging to the amount that is deposited into my account each month? 

This way all of my bills will be paid automatically when my income comes in, or most of them. 
I can then get my money order for free at XXXX, instead of paying {$5.00} for a cashiers check, and having to withdraw cash to get a money order. 
I tried quite a few times to make sure that I got it paid yesterday. 
It is their daily limit policy on the opportunity checking that makes it difficult. Especially when I have to work that day, and the bank is closed when I leave work. 

This is much safer than carrying cash. 

Thank you for your time. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Peter & Roberts and Associates, have contacted me multiple times by mail and phone attempting to collect a a debt to XXXX XXXX which i do not believe that i owe. I 've asked them by phone to provide proof that i owe this debt and have been ignored. They do not belive they need to provide any proof other than an itemized list of charges of what they think I owe. I have been promised an itemized list but have never received XXXX to date. Today i called and spoke to a manager who promised me he will send an itemized list by mail.

Company response to consumer: Closed with non-monetary relief