vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been attempting to obtain a modification on my mortgage loan since last XX/XX/XXXX The first attempt we had to start the process over because of the length of time that passed. This time we submitted everything that was asked of us in a timely manner each time we received a letter or phone call and I received a letter from the bank on XX/XX/XXXX stating they had not received all required documentation they would be unable to offer assistance options. The week of XX/XX/XXXX was the last contact I received via phone call requesting documents from a male co-worker of our Home Preservation Specialist asking me to send 2 documents the last week of XXXX and I faxed those documents the same week. Since that time, we had not received a call or letter notifying us of any additional documentation needed like we had in prior communication with the bank. The letter also did not state which documents were missing. On XX/XX/XXXX, I called the Home Preservation Specialist ( HPS ) we 'd been working with throughout this process who stated she would transfer me to the Re-entry Program. I spoke with that contact person who stated he would have the HPS review our package to find out what documents were missing and the HPS would contact me by XXXX, XXXX XXXX. I had not heard from the HPS on said date so I called her and left a message asking for a return call with the status of the review. On Thursday, XXXX XXXX, I called the HPS again and left a message asking for an update of the review. I then proceeded to call the Re-entry Program contact number provided in my initial call on XXXX and an automated message stated they were currently having technical difficulties and the system then disconnected the call. I believe we are getting the run around and are not being treated equitably.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
My landlord would just walk into our apartment whenever he felt like it. He would not give us any notice at all that he was coming by ir the HOA. Anytime that he came into the apt or the HOA, I know they new someone was home because we had the t.v on all the time we were talking. One time the landlord walked in on us XXXX. We asked him multiple times to please give us notice just out of courtesy, plus by law he was supposed to if he was not doing anything of those exact things in the lease. Whenever he barged in, he was not taking pictures of the conditions of the apt nor showing any of the qualified people stated in the lease, for just walking in without any giving notice. We had to change the original locks on the door because he was barging in so much that sometimes I would be home with my son, and he would just walk in, scaring me and my son half to death thinking somebody was breaking in. One day he took the lock off the door that we put on to try to stop him from just walking in at any given time, since we asked him multiple times and he would not stop, that he left a hole in the front door, that anybody could stick their hand in the hole and opened up the door. I am a single parent, going to work everyday. I am not getting any assistance from the government. I work hard for me and my kids. Lastly, just because I did n't live in the nicest part of town and was not rich, does not mean that you can take advantage of people and treat them like trash. Scaring my XXXX boys and me that they are thinking someone is breaking into the house, having my boyfriend ready to protect or die for his family and you can clearly hear people inside that you could of had the common courtesy, respectfulness and decency to just knock on the door or call to see if we were at home. He was very ugly, nasty and stated that if you did not like it you could move out. I wad not the only tenant he did like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Receiving a Wells Fargo promotional mail in XXXX XXXX NO FEE NO INTEREST for a year, borrowed {$19000.00} on XXXX XXXX, XXXX ( has paid off the entire principle amount XXXX, XXXX 3months before the end of my promotion ). No issues till XXXX XXXX. No interest Charges etc.. Come XXXX I call Wells Fargo notify them of Address change as we moved. Despite four calls address is not changed. Mail is delivered to old address only to finally reflect the change in XXXX XXXX, XXXX. Come XXXX I see late fee and Interest charges. I call. Late fee waived XXXX Card # XXXX even though the same fee was waived by XXXX XXXX REF # XXXX, and the Interest charges was submitted for further RESEARCH # XXXX on XXXX XXXX, XXXX as to why charges are levied. No response from Wells Fargo till. Wells Fargo sends my account for collection despite raising dispute claiming the promotion started from the date it was started ( XXXX XXXX ) and not from the day of borrowing, that I was never informed, told about such a stipulation. Upon countering that If I were to borrow in the month of XXXX XXXX if my XXXX year would end even before it began and the representative answered as yes. It is deceptive practice by Wells Fargo Bank upon its unsuspecting customers that goes against business ethics, morals and humanity. 
Response in WRITING only will be appreciated. 
According to me I do not owe any charges levied by the Wells Fargo and its deceptive practice be stopped and the consumers be protected who are powerless against these giants without the mediation of your esteemed office. 
Thank you in advance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a mortgage with Wells Fargo Bank, who after my husband passed away from XXXX XXXX refused to help with loan modification after I XXXX from my husband passing. They told me that my credit score needed to be at least at XXXX, then never helped me with a loan modification, and later foreclosed on my house.

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 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a loan that meets the requirements for a HARP refinance and Wells Fargo currently holds that loan. I have attempted over the past year to process a HARP refinance however Wells Fargo keeps coming up with different reasons why they can not process it. The first was that there were lates on my account and after many many many phone calls to resolve the fact that I had no lates I was told that was not the reason and that the reason is now because I have lender paid mortgage insurance. Under the HARP program a refinance with Lender Paid Mortgage Insurance is allowable and Well Fargo stated that as well but say they wont do the refinance because of it. For a program meaning HARP that is supposed to simplify the process for eligible borrowers Wells Fargo has made this a miserable impossible experience.

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 2015-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To whom it may concern ; I am a first time home buyer. XX/XX/XXXX purchase XXXX XXXX XXXX XXXX NY. It was a shortsale through Wells Fargo. Two day 's before I went into closing the above mentioned residence was burglarized, copper pipes were removed and boiler destroyed, disabling the required heating system. The Wells Fargo representative suggested following through with the closing. The agreed proposition was the home owner was to file insuranc claim with allstate, we would proceed with the closing, then I was to pay out of pocket for the repairs. Upon completion of repairs I would send the receipts of completed work from contractors to wells fargo, which I have done ( with email confirmation from my attorney to sellers attorney ). After wells fargo received receipts of repairs they would then send a rep.to inspect and then endors allstate insurance claim moneys to myself. 
My attorney, my father and myself have exhaustively tried to contact Wells Fargo, with no response. Then to find out through sellers attorney that wells fargo jow does not feel the need to endors this insurance check, and they will use this money to recover loses. In wells fargo affidavid it states that selling bank can not with hold information from the lending bank which would decrease the value of the property. I have done everything Wells Fargo, sellers attorney and my attorney have requested. I have spoken with allstate and they informed me that these moneys can only be used to make repairs specific to that claim. These repairs were made almost 11months ago and XXXX sent a letter for wells fargo to respond in 30 days from XXXX/XXXX/XXXX. Please advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For many years prior to my divorce, and during my separation, I 've made timely, monthly mortgage payments. My ex-husband XXXX XXXX XXXX XXXX held the Mortgage note : property address XXXX XXXX, XXXX XXXX XXXX. XXXX with Wells Fargo. He relinquished the home through bankruptcy and subsequently through the divorce on XX/XX/XXXX. ( divorce index XXXX ) I also filed for bankruptcy keeping the home and a loan assumption through the United States Bankruptcy court of XXXX District of XXXX in XX/XX/XXXX and was granted the approval allowing me to assume the mortgage note however, my name still does not appear on the mortgage statement as of date. ( case XXXX ) Adding insult to injury, through the United States Postal Services , XXXX had my mortgage statement ordered by U.S bankruptcy for which I 've been paying for over nine years by myself redirected to his house in XXXX . ( Please see at attachment ) My FICO score has suffered tremendously. I 've made all possible attempts through the courts to regain my statue creditably.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I 'm trying to correct inaccurate reporting on my credit report. While Wells Fargo has agreed to update reporting to the credit bureaus more accurately, I 'm still concerned that my credit is being reported negatively unjustly. Specifically, its letter to me stated that as of XXXX XXXX, 2013, I owed {$280000.00}. But for fees added, the sales contract amount of {$290000.00} exceeded the amount owed. The purchase contract was signed in XXXX 2013. The closing was pushed back by Wells Fargo, not by the buyer or the seller. So, is it reasonable, or even legal, that this should be classified as a short sale?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was denied for a loan modification ( HAMP XXXX ) on XXXX XXXX, 2015. Wells Fargo Home Mortgage made a mistake on box XXXX of my NPV - Property Taxes. They state they denied me for a HAMP XXXX XXXX because " my modified payment would be less than 25 % of my monthly income ... '' ( See attached denial letter ). However, they had my property taxes incorrect in the review. If they correct my property taxes, then my modified payment would be actually more than 25 % of my income and I should qualify. ( See attached actual appeal letter for more detailed explanation ). This is a cut and dry appeal with no questions there was an error. However, Wells Fargo Home Mortgage ignores ALL appeals and simply replies with a form letter stating they did not make an error. If this is in fact the case with this loan, I hope the CFPB uses this to prove this is what Wells Fargo does to everyone and fines them millions of dollars for lying! I hired an attorney to help me with submitting my paperwork. My attorney filed a dispute to my denial on XXXX XXXX, 2015. The dispute provided a copy of the actual current property tax bill. Wells Fargo Home Mortgage general practice is to ignore all requests. They did this with my appeal. Even though my appeal unquestionably proves they made an error on the XXXX review, they refused to respond to my appeal. Later they verbally said they did a review and it was still denied. My attorney has been asking for a new " Corrected '' NPV chart and denial letter. To date they have refused to provide me this CORRECTED NPV and NEW denial they state they have. In the mean time they have referred my loan for foreclosure. This is what Wells Fargo Home Mortgage does to people. Play games, dual track foreclosure and hold back paperwork in an effort to evade properly reviewing home owner 's for assistance. They do this while the market values of homes increase so they gain more and offer less.

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 2016-09-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I was surprised when i received the unwanted credit card out of blue which i did not even apply for it. I thought it was because of my good credit score which I have always kept intact and started using it. One fine day when I came back from my vacation it was all used of and it went to collections by my surprise and I have reached out the bankers to get help and they made me pay some minimal amount to get me on track. It did seriously affect my credit score.

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 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have a Wells Fargo PMA account. The terms of the account provide a service charge waiver under certain conditions. One of the conditional service charge waivers includes maintaining liquid assets, which include Wells Fargo Brokerage accounts in the amount of {$50000.00} or more. I have been maintaining this level for well over a year. Each month I receive my statement and have see a service charge. Upon calling customer service or going into a branch they are able to refund the service charge and keep telling me that my Wells Fargo Brokerage account is de-linking and that 's why I am receiving the service charge. I called and made a specific complaint about this. The representative, rather than fixing the issue, told me I needed to call-in to customer service and tell them that the company ID indicated on my account was wrong and that 's why my brokerage account keeps delinking every month. This is causing me harm, frustration, and is an unfair and deceptive practice. Wells Fargo representatives, no matter what department they are in, should be able to fix the company code so that this delinking stops happening on my account. I have spent hours and hours trying to get this resolved. I would like CFPB 's examiner in charge to perform system assisted testing to see how many customers thjis is impacting because if it 's happening to me, it 's very likely happening to other customers as well. Wells Fargo should be ashamed that they are harming their customers in this man ner.

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 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1.This is maybe my Fourth Dispute with Experian since XXXX of 2016 with nothing Resolve. 
2. I received with completed Disputed Results with Someone else Accounts on it, XXXX XXXX XXXX Accounts that 's obviously not mine. 
3. Experian states that everything on my credit Report is Verified and Accurate but how do you make a big mistake like that again that just proves my argument 4.I have attached my Credit Report Disputes Results to my Complaint. 
5.Please Experian Attach All Documents That you have on File. I Do have the Right to Request Verification all Negative Items. 
6. I Want the 6 outdated paid in full Student Loans accounts remove because its still preventing me from Making Purchasers, if its paid in full was is still showing negative when i have attached the Department of Education letter stating XXXX balanced owned. 
7. Please Experian Respect My Federal Rights and The Fair Credit Reporting Act. 
8 This is My Last Good will Notice since Obviously you make your Own Rules and you Dont have to live by Laws. If this is Not Resolve in the giving Time i will Be seeking ligation because in everyone response you have denied me my rights

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 2016-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We opened an account several years ago with Wachovia called Crown Classic Banking, later they were bought out by Wells Fargo and our account was moved with them. This account for us was a dormant account since we only planned to use it in the case of a medical emergency. Wells Fargo agreed to the same fees and terms of our agreement with Wachovia which were that we suppose to maintain a minimum balance of {$1000.00}, which later changed to {$1500.00} but since we had more money there than that, we continue with the account. We transferred a large IRA Account and small IRA 's CD, and without our consent, they put us under a new product called Wells Fargo, PMA Package, this product required to have a minimum balance combined with all our accounts of over {$25000.00} of linked FDIC accounts or {$50000.00} on our accounts. We never knew that we were on this PMA Package since they move us to online statements. We were receiving statements for our IRA 's and we thought that we were not receiving statements of our emergency account because the account was dormant. We moved from Wells Fargo most of our IRA 's and left the emergency account there because we used it for our Safety Deposit Box and medical emergency. A year and several months later we learned that they were deducting {$30.00} XXXX every month for not being under the PMA Package, even if the checking account still named Crown Classic. They deducted {$30.00} XXXX every month from XX/XX/XXXX to XX/XX/XXXX for a total of {$570.00} XXXX. We trusted them so when I went to the branch to check my wife 's IRA they told me that my account was dormant and that I need to deposit more money which I did a couple of occasions. How can an account be dormant if they are withdrawing money every month?! When we realized about this happening on XX/XX/XXXX we talked to every person at the bank, we asked who authorized the change to a PMA Package account because we did not ; they did not provide us a document signed by us that could prove that. We even spoke with the District manager, she said they sent statements to our house, which was not true. Finally, they accepted their mistake but they said they only could reimburse us for XXXX fees, which they did by stopping the fee for XX/XX/XXXX and reimbursing us {$60.00} XXXX for the month of XXXX and XX/XX/XXXX. So basically we lost {$480.00} XXXX for being moved to an account we never authorized or asked. We trusted them with our emergency money and they failed. We trusted them because my aunt worked over 50+ years for them until she retired. We closed our accounts with them as soon as our Safety Deposit Box was due 3 months later and we never want to bank again with them. I do not understand how the bank could move us to another of their products without our approval and authorization. I hope you can help us with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCSPLUS INCORPORATED
State: MO

Complaint narrative:
XX/XX/XXXX, I went to XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) for my chipped teeth. It was the only XXXX I was able to find open ( Sunday ) and I had XXXX done for which I paid for up front the same day for the amount of {$1000.00}. The dentist quoted me around {$3000.00} for me to come back and have the actual full procedures completed for my teeth and I decided not to because I was going to have it done in XXXX where I have insurance. 
Recently, after 2 years from my visit to XXXX, I receive a call from their office stating that I owe them the {$3000.00} for the procedure which I never received from them. I asked them to provide evidence/any documentation to prove this and they never did. They stopped calling. I recently found out that they placed me in collections XX/XX/XXXX, but contacted me in XX/XX/XXXX for the first time asking that I still owe them. From reading reviews, this seemed to have happened before to other patients as well. I do not know how this place is still in operation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Legal Department submitting to the reckless demand of XXXX XXXX XXXX XXXX to out XXXX levies on my husband ; 's account and wiped out his savings. Because it iwas XXXX my income and the legal dept of my bank -- XXXX bank advised me that the levy was improper and rejected it. It was proved true by our CPA later. Wells Fargo is unnecessarily delaying to lift up XXXX successive levies that causes hardships on my husband..

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