davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-14
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation (NV)

This week I received a notice from Law Offices of Patenaude & Felix, A.P.C. in an attempt to collect a debt that was settled in a short sale of a property in XX/XX/XXXX. This is the second such collection attempt from another deb collection firm, clearly the debt was resold to another firm. The XXXX firm, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect the debt in XX/XX/XXXX. I retained a local attorney ( XXXX XXXX XXXX ) to contact the debt collection firm and force them to cease their attempts. My attorney cited the fact that their attempts appeared to violate the Fair Debt Collection Act and demanded that they produce " copies of all correspondence and any settlement agreements '' relative to this debt. No response was ever received and nothing was ever produced. XXXX, XXXX, XXXX XXXX XXXX immediately ceased attempting to collect the debt and no further contact was received. Now two years later another debt collection firm, Patenaude & Felix, A.P.C. is again attempting to collect a debt that was settled in a short sale and I know longer owe. For nearly 4 years now, this debt continues to tarnish my otherwise good credit rating and I feel helpless to remedy the situation.
Consumer complaint received 2015-08-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HONOR FINANCE, LLC (WI)

obtained loan from Honor Finance for vehicle in XX/XX/XXXX. made payments monthly up until XX/XX/XXXX when their website told me I did not owe anything on loan. I wrote numerous letters and they did not respond until the middle of XX/XX/XXXX when I sent a certified letter at which time they told me I owed a payoff amount for the account for XXXX amount and 10 days later it would be a different amount. We never got bills or statements from this company even when we requested them. we had no idea what was going on with our loan or where we were at with payments. I sent them a letter stating that we were not going to pay additional interest due to their lack of response to all our previous letters and their lack of providing us as consumers information regarding our loan status at any time during our loan even when requested. They then sent a letter certified stating we owed yet a different amount and that they were going to repossess our vehicle without any need to go to court, but if we wanted to go to court we had to let them know in 15 days. Due to their lack in providing us as consumers the information we requested regarding our loan they prevented us from knowing balances on the loan, breakdown of payments, how many payments were left, when payments were processed vs when they were sent/made, etc. We sent letters every other month since the beginning of the loan and only once received a response and the statement we requestedTheir practices and business has kept us in the dark and with no information regarding our loan for the duration of the loan. In letters we sent it stated that all communication was to be writting and they were not to call, yet someone I know called to say that they were getting up to XXXX phone calls a day from Honor Finance who was also providing info about us that violated our legal rights. Even if they contacted us via phone I believe they are only able to call once a day.
Consumer complaint received 2016-05-22
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (NJ)

To whom it may concern, On XXXX/XXXX/2016 I setup a one time on line payment of {$300.00} to make a payment on my credit card which is a Wells Fargo card. The payment was scheduled for XXXX/XXXX/2016 with a due date of XXXX/XXXX/2016. 
I logged into my account XXXX/XXXX/2016 to confirm the transaction and noticed Well Fargo withdraw {$600.00} from my checking account. Transactions XXXX and XXXX. 
I called and spoke with XXXX XXXX and was told Wells Fargo can not do anything until the transactions post and that I should call XXXX/XXXX/2016 to receive my {$300.00}. 
I asked how did this happen to which she replied, I do n't know, but can see that I setup just XXXX {$300.00} transaction. The horror began when I called back on XXXX/XXXX/2016. 
I was told by a manager, XXXX, I believe her name to be. I was told XXXX transaction will be reversed, but will have to wait up to10 business days for my funds to be returned to my XXXX bank account. Without any doubt in my mind had the bank inadvertently given me {$300.00} the funds would have been immediately withdrawn from my account that day. 
I explained I need the money to pay electric, water, phone, insurances bills etc. etc. XXXX reply was there is NO other option she could afford me and that I have to wait. That alone is atrocious. Being a husband and father of XXXX children, the cash was truly needed. With today 's technology I 'm sure the money could have been returned immediately. Or perhaps all banks work in this fashion, I do n't know. 
Essentially, Wells Fargo, in my opinion stole {$300.00} from my banking account without my permission, have no reasonable explanation as to how it happen and I have no option but to wait up to 10 days for my money. 
I placed my trust in Wells Fargo and was deceived as they basically turned around and as I feel stole from my account and forced XXXX option down my throat, wait for your money. 
Wells Fargo blatantly took my {$300.00} from my account and I 'm forced to wait up to ten days for Wells Fargo to return my money. I guess you can call it a small loan. If Wells Fargo did this to XXXX people over a ten day span which is easy to do, for I 'm proof of that, that would amount to a small loan of {>= $1,000,000}. Imagine what you could do with that amount of money of a 10 day period. 
I believe this practice is unscrupulous and turns innocent people such as myself into victims. 
Under no circumstances should this have ever happened and to hear Wells Fargo explain they have no reasonable explanation is absurd. 
I 'm writing this letter asking the banking committee to investigate this matter and put an end to this ridiculous practice.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I preciously filed a complaint and was contacted my BoA complaints dept agent XXXX XXXX. During that complaint, on of my two payments was return unpaid, when I asked XXXX which one that was and why, she told me it was regarding my second payment. I asked her if she was sure since I hadnt had any issues with that payment since one month has passed. She said she was sure and that I needed to file a claim with my bank ( XXXX ). So I did as XXXX told me to do. Consequently, a second return unpaid showed up on my account and I was charged interest XXXX days later because of that claim that XXXX XXXX told me to file. I called BoA to try and fix this myself. After 1 hour on the phone with an agent, nothing was done. They could not listen to my conversation with XXXX, though it is recorded per her telling me that twice during each call I had with her.
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

I purchased my home in XX/XX/XXXX under a XXXX % loan option offered through XXXX XXXX. Because I had no downpayment I was told I would pay PMI, private mortgage insurance, until I had payed my loan down by XXXX % of the home 's value. My loan was for {$140000.00} but the house was appraised at {$150000.00} so I was told if I paid it down to {$120000.00} ( the equivalent of {$30000.00} down ) the PMI would be dropped. 

My loan was sold to Wells Fargo home mortgage in XX/XX/XXXX but the parameters of my original loan stayed the same. In XX/XX/XXXX I was able to take advantage of lower interests rates and refinance my home under what was marketed to me as a NO APPRAISAL loan. I even have documentation from the mortgage consultant that states WE REQUIRE NO APPRAISAL AT THIS TIME. Because of the refinance, I have been able to more aggressively pay down my mortgage and have finally reached the magic number ; {$120000.00}. I called Wells Fargo to negotiate the terms of dropping my PMI and I was told by the representative that I was not eligible due to my home 's value. I asked her to clarify, as I HAVE A COPY OF THE ORIGINAL APPRAISAL that says my home is worth {$150000.00}. She explained that she had no record of my home 's value prior to XX/XX/XXXX, when they " pulled comps '' during my refinance and reappraised my home for {$110000.00}. 
In XX/XX/XXXX no one ever came to my house to view the property for appraisal. In fact, no one even called. Wells Fargo did not ask me if I had made any improvements to the property ( which I had ) and every time I call I get a different answer from a different person. Well 's Fargo has committing fraud by lying about the perimeters of the refinance and offering an appraisal value of a home THEY DID NOT EVEN LOOK AT. What they are doing is wrong and I feel frustrated, taken advantage of and lied too.
Consumer complaint received 2016-09-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I was a victim of this Wells Fargo matter : http : XXXX XXXX Wells Fargo banker named XXXX ran my credit without my permission to open a business line of credit. As a result, a credit inquiry was charged against my credit report ( s ). I called Wells Fargo shortly after this happened, and Wells Fargo stated that they were unable to remove the unauthorized credit inquiry from my credit report ( s ).
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (OR)

Hi, I was enrolled in the Wells Fargo Go Far Rewards program to earn bonus points on purchases. On my billing day, without any notification or explanation, they closed the account and forfeited all my points earned totaling {$930.00} in XXXX 2016. I filed a complain online, after waiting for some time, they requested a phone call. After I called and spoke to two different people on XXXX/XXXX/2016, they had no idea either regarding the closure of my credit card account or the forfeiture of my points. They said to wait for correspondence from their corporate office.
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (IL)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-02-24
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (TX)

For 10+ years now, the ex-wife, XXXX , has refused to remove my name from the joint-loan home mortgage, which is located at XXXX XXXX, XXXX XXXX TX XXXX. 
The ex-wife 's social security number on the divorce decree states it is : XXXX 
At current, and through public info online, I believe the ex-wife resides somewhere in Texas, specifically not at the above named address, and a cell phone number that has her actual voice recorded on voice mail is XXXX. It is unknown if she actually uses or maintains that phone number. 
Throughout the 10+ years at the above named address, I have discovered several re-modifications have been performed on the joint-loan mortgage without any attempts to contact me. 
Wells Fargo deliberately proceeds to do so, continuously without my knowledge, my approval, or my required signatures. " Discovered '' is the term used, because upon attempting to contact the ex-wife about the joint-loan dealings and when I actually had her contact info, the only intelligible communication was a " XXXX you! '' or, " you should 've dealt with it during the divorce. '' Again, I have also discovered through credit checks online, that the joint-loan home mortgage is regularly not paid on time, or at all, consecutively between 1 and 13 months. I honestly ca n't say how foreclosure has not taken place already! 
I have requested info from Wells Fargo via Lawyer, Mail, or by Telephone numerous times. And my responses range from " none of your business, '' to all further request regarding the home mortgage will be ignored. '' I believe some seriously shady, and quite illegal dealings are going on between Wells Fargo. 
I had to " jump through hoops '' to receive a faxed copy of the Mortgage Loan re-modification from a local Wells Fargo Bank from Wells Fargo Mortgage. Even still, one of the Lawyers stated he could not find adequate records regarding the re-modification. Implying that it seemed fake. 
In addition to the recent Wells Fargo trouble we have seen/read in the media, regarding creating accounts without peoples knowledge, as best as I can elaborate on, I believe this coincides with a very, very similar illegal dealings and account mismanagement.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I had a party added to my account without my authorization. The party was added and logged under the banks system in XX/XX/2003 but this was not physically possible. The bank claims that I signed a blank form and that provides authorization. This 3rd party has a bank levy that 's impacting my accounts as well for a debt that I do n't owe. The bank refuses to remove the 3rd party without his signature but added his name without my authorization
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo lost my request in 2011 for help when I thought I would not be able to pay for my home loan. PLEASE HELP find it. 
It was sent to XXXX XXXX at Wells Fargo.
Consumer complaint received 2016-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

My monthly payment jumped from {$13.00} a month on a level payment plan to {$50.00} a month this past month. My maturity date also changed from XX/XX/XXXX, to XX/XX/XXXX. I was never notified of any acceleration of my loan, nor am I in any state of default. After calling Navient, they said they would research because they do n't have any record of why it changed either. I hate having to watch my loans like a hawk monthly as this is n't the first issue I have had with XXXX/Navient.
Consumer complaint received 2016-11-28
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

Applied for a loan through XXXX homes. I was told I needed {$3000.00} down for a VA loan for the home I was applying for. The housing devoleper says I 'll get extra money if I go with their lender Wells Fargo. I agree and start to fill out the paper work. Later find out that I did n't and was n't supposed to to put down {$3000.00}. I need {$0.00} down with the XXXX Next Wells Fargo has XXXX different loan applications open in my name. XXXX different numbers. I have to redo paper because of an " error ''. I saw on the new they were being sued and looked into it and made some phone calls and found out how scary bad they were and awful they could be to their customers. They call me about more paper work. A letter explaining why I save cash in a safe at home and borrowed money from my mother for convince to make a deposit on the house. They did n't like the way it sounded so they wanted me to lie and say it was a gift from my mother. Their reasoning, it would make it easier on them. I did not feel comfortable lying or frauding paper work to buy a house. They were persistent about it in my opinion. Being a XXXX veteran and having very limited income I feel like I was conned out of my savings. I also feel like they used me to make it look like there are more loan applications and then they wanted me to lie to hurry the paper work along.
Consumer complaint received 2015-06-25
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I got a call from a XXXX XXXX in XXXX, 2014, telling me he specialized in lead generations. He would purchase leads from a XXXX party lead generator. The leads were {$20.00} each and because I had a XXXX time grant from XXXX and I would invest {$100000.00} then I could purchase XXXX leads. I almost did that but left for a week, where I received at least XXXX phone calls telling me I had committed to this and that XXXX supervisor was upset. 
Then I got called by XXXX supervisor who was very upset that I did n't follow through with my purchase. XXXX supervisor pressured me into buying leads for the amount of {$60000.00}. The leads would come from businesses that had been rejected by the banks to get XXXX terminals and they would result in a 3 to 7 % success rate. 
Then I had also gotten a phone call from a XXXX XXXX XXXX who said he was in charge of monitoring my leads and staying on top of his employees that called the businesses on my behalf on the leads I had purchased for {$60000.00} from XXXX XXXX, XXXX. 
I was informed, by each of these merchants, about a XXXX package that would enable me to build my business and to make a lot of money. These firms were to provide me with business opportunities, commissions, web site, leads, XXXX of XXXX of unique targeted visitors, as seen in the fraud case. I never received the products promised on any of these purchases. These companies deceitfully obtained my banking information and intended to use your payment system to defraud me by unauthorized use of my money. 
Since the initial payment, I have not received the services that were promised to me. I have made numerous attempts to contact the companies in an attempt to get refunds and there has been no response. I trusted these companies with my money and they did nothing but take from me repeatedly. Since these companies have stolen my money and not performed, delivered or helped in the ways that were promised, I am disputing the charges on the grounds that they were fraudulent. 
Fraud occurs when a person or business intentionally deceives another with promises of goods, services, or financial benefits that do not exist, were never intended to be provided, or were misrepresented. 
The above named merchants, about whom I 've found countless complaints on the web, knew the dispute rules and informed me that it could take up to 12 months for services to be rendered. This was done in an attempt to delay my dispute beyond the eligible date. " Intent to deceive '' is clearly listed by FTC guidelines as an unlawful violation that should be refunded. These merchants ' ability to process should be revoked!
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

My wife and I filed initially a Chapter XXXX bankruptcy on XXXX, XXXX XXXX. XXXX, XXXX XXXX of Florida. We then converted to a Chapter XXXX. Discharged was received on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the case was closed by the Court. At the time we filed we held a first mortgage on our Florida homestead with Wells Fargo Home Mortgage. We were current before we filed, on the day we filed, during the pendency of the bankruptcy and today, over 7 years later from when we filed. On XXXX XXXX, XXXX, Wells Fargo hired Florida XXXX to file a claim in bankruptcy court, see attached Exhibit A. The same law firm that was discredited for robo signing, mortgage fraud and so on. Then on XXXX XXXX, XXXX, Florida XXXX XXXX XXXX, XXXX files an amended claim to include arrearage of {$700.00}, not for the mortgage but for their attorneys fees, see attached Exhibit B and justified by their Objection to Confirmation, see attached Exhbit C. Again we have been current and continued to pay them during the pendency of our bankruptcy. This is a complete JUNK FEE. Without advance notice or explanation, Wells Fargo on our XXXX/XXXX/XXXX statement included an unpaid advance balance totaling {$690.00}, see attached Exhibit D. For almost 5 years this fee remained on our account, unpaid until suddenly on our XXXX/XXXX/XXXX statement it showed that {$360.00} was paid, see attached Exhibit E. Apparently what triggered the payment was that we requested to increase our mortgage payments giving Wells Fargo the opportunity to steal our money. On XXXX/XXXX/XXXX, I sent an email for clarification of this payment, see attached Exhbit F. Wells Fargo emailed acknowledgement of having received the email in numerous emails and a letter from a XXXX XXXX, Senior Vice President of Wells Fargo Home Lending. In the letter she writes, " We expect to complete our research and provide you with the results on or before XXXX/XXXX/XXXX. '' See attached compososite Exhbit G. It is now XXXX/XXXX/XXXX and we are being ignored. Apparently the letter signed by XXXX XXXX is what most Wells Fargo customers receive but no research or inquiry is ever started or completed. It is a ruse to quiet their customers according to the thousands of complaints I read online. 
We would appreciate your help in getting our money back and/or reversing the unpaid advance balance.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a loan modification with Wells Fargo after I filed for bankruptcy protection Chapter XXXX to reorganize my debts. I was approved for a Trial Loan Modification and Trial Plan Payments ( TPP ) under the HAMP Tier II program. The TPP started in XXXX 2015 and would continue for three months or until Wells Fargo approved the permanent loan modification. 
I consistently made the XXXX, XXXX, XXXX, XXXX, XXXX and XXXX 2015 mortgage payments. 
I received a letter from Wells Fargo dated XXXX XXXX, 2015 that advised that they were cancelling the loan modification because I did n't get approval from the Bankruptcy XXXX. My bankruptcy attorney contacted Wells Fargo and explained that approval from a judge requires consent that a permanent loan modification will get approved. I called Wells Fargo to get an extension of the TPP or to get an extension of time to get a Motion for Approval of the Permanent Loan Modification. However, Wells Fargo advised me that I had to start the entire process all over again and that if my financial situation has n't changed, they were prohibited from accepting another application. The foreclosure process would start as Wells Fargo did n't apply the TPP toward the loan.