vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
- Wells Fargo charged me late fees even though I made timely payments - Wells Fargo tried charging me for future payments - Those payments accrued late charges even though they were future payments - Wells Fargo agents tried to have me pay through partial payments instead of one payment - Company denied any negative charges to or about them after I inquired - Did not notify me when it applied payments across multiple loans - Poor management and monitoring of my account

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 2015-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: FIRST CHOICE LOAN SERVICES INC.
State: ID

Complaint narrative:
XXXX " XXXX Mortgage '' Flyer Disclosures/Disclaimer 1. Fine print unreadable 2. Can not obtain details of the XXXX Offer 3. Unable to obtain qualifying criteria 4. Unable to contact " XXXX XXXX XXXX XXXX '' and obtain details of " Average Executive Membership Level Savings '' claim of savings : {$5900.00} over 7 year period. 
5. NEED : General Program Disclosures - Mortgage Purchase & Refinancing is provided and operated by First Choice Loan Services Inc. ( NMLS # XXXX ), located at XXXX a wholly owned subsidiary of First Choice Bank ( NMLS # XXXX ), a XXXX XXXX XXXX bank. First Choice Bank is registered or exempt from state licensing in the states it originates mortgage loans. XXXX and its affiliates do not negotiate, arrange or make mortgage loans or lines of credit. You must be a XXXX member to participate in the Mortgage Program. First Choice Loan Services Inc. is not an agency of the federal government or the HUD/FHA. First Choice Loan Services Inc. has no affiliation with First Choice Bank, chartered and located XXXX. Licensed by the XXXX XXXX # XXXX. XXXX/XXXX/2015 *Disclaimer : The estimated savings statement is calculated over a 7-year period utilizing the following loan scenario and includes both interest and fees savings : home purchase in the State XXXX with a loan-T0-Value of 80 %, Loan Amount= {$250000.00}, Single Family, Primary Residence, XXXX, Term=30yr as of XXXX/XXXX/2015. Average Executive Membership level saving is {$5900.00}, which includes the lender fees saving as of XXXX/XXXX/2015, as compared to an average of national mortgage lenders in a comparative study conducted by XXXX XXXX XXXX XXXX individual savings may vary based on credit score, Loan-To-Value, location. XXXX membership level, and loan amount, and are subject to loan requirements and approval. XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is reporting a mortgage on my credit report that was awarded to my ex wife XXXX and should not be on my credit report. I have attached documents to support my claim.

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 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XXXX 2013, I purchased my first house. The original mortgage was through XXXX XXXX. My down payment was 10 %, and therefore, it included mortgage insurance. However, I was told that I would be able to lose the mortgage insurance after 5 years or as soon as I had 20 % equity in the house - whether that came from improvements made to the house, actual money paid on the mortgage or the value of the house increasing on its own. Since we moved in, we 've made improvements to the house ( remodeled kitchen and bathroom ) and the value has increased. We know that we have much more than the 20 % equity we were told was required to lose the mortgage insurance. However, at some point, our loan was sold to wells fargo. I 've been in and out of the bank on the phone over and over trying to figure out the steps i need to take to get the mortgage insurance removed. Every time I get a different story. Most recently, I was told that it is true that I can get rid of my mortgage insurance by having 20 % equity, but it has to be a result of structural improvements made to the home and I have to show receipts for all the money I invested to make those structural improvements. They said that remodeling we did does not count because there were not walls added, so it was not structural updates but just cosmetic updates. I am frustrated because none of this is what I was originally told when I signed my mortgage and i had no control over it being sold to Wells Fargo, so they should n't be able to change what I was told. Also, I am frustrated because Wells Fargo has given me at least XXXX different stories and it seems they 're just trying to confuse me, so I 'll give up on trying to get my mortgage insurance dropped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Even though Wells Fargo Dealer Services received the payment for our car loan on XX/XX/2016, they sent the attached collection letter implying that we were in default on our loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I opened a checking account in XXXX 2016 that had a {$100.00} promotional bonus. I met all the requirements needed to get the bonus but keep getting the run around when trying to determine when the bonus will be applied.

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 2015-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We ran into a job loss about 4 years ago and we did what everybody told us to do. We called Wells Fargo our mortgage company and asked what we could do. this was after exhausting all savings and XXXX to try to keep mortgage current. They gave us a plan for reduced payments for 3 months which we did and at the end we got another 3 month reduction at a higher payment. At the end of this period we got a bill for a balloon payment for all the back due. We were never told about this. Lie # 1. The next thing we know is that we were in foreclosure. We then whet through their program to modify the loan. Over the next several years, they lost our paper work at least 3 times and we submitted document after document and were denied. Finally I was told that it looked good but then my wife 's and my student loans were brought into the equation and it was denied another time. Meanwhile we paid the payments until they refused payment. We tried to sell the property, we tried short sell and were denied and we tried a deed in lieu of foreclosure and was denied twice. XXXX we decided to move and abandon the property and we had to tell them to take it to sheriffs sale and now it was stayed on XXXX/XXXX/XXXX. We just want them to take the property, but they seem to want to drag this out as long as possible. The agents at Wells Fargo have lied to us and even went so far as to tell me about her son being XXXX from the military. I have spoken to their executive office and got no resolution. I feel I have done everything to try to save this property, but at every turn have been treated unfairly and it seems that for some reason Wells Fargo is racking up charges to try to get more money from the FHA. Now I just found out that the reason for postponement for the sale was because they think we are XXXX military. I am XXXX and my wife is XXXX, we have both been XXXX military since XX/XX/XXXX and my wife since XX/XX/XXXX. Just another delay and more charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Where is my money? 
I have 30 years ( fixed rate ) mortgage with Wells Fargo. Loan # XXXX. I have to pay my mortgage by XXXX every month. In XXXX 2016 my mortgage payment was {$1200.00} and on XXXX/XXXX/2016 I paid {$1200.00}. Additional Principal Payment is {$31.00} and that money is lost. Store Manager of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX ) told me sorry we can not help you, we do not have that department and we do not know where is that money, call our mortgage consultant if you have any question. I have Transaction Receipt and it showing '' Total Payment {$1200.00} '' ; Wells Fargo cashed my check on XXXX/XXXX/2016 {$1200.00}, but they sent me Transaction Statement for Payment received $ XXXX.I want to know Where is Additional Principal 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 2016-03-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My daughter and I have retained an attorney ( XXXX XXXX XXXX ) to ( 1 ) attempt to negotiate a pre-litigation settlements of our debts and ( 2 ) litigate the matter if necessary. Navient, the the third party servicer for a yet to be identified student loan trust, is very aware of XXXX XXXX 's involvement in our affair and Navient has been advised he is our counsel. We are also aware Navient has spoken directly with XXXX XXXX and his staff. However, it is our understanding Navient is refusing to negotiate in good faith. MY DAUGHTER AND MY particular complaint herein is NAVIENT IS REFUSING TO DISCONTINUE DIRECT CONTACT WITH US because XXXX XXXX is not simply accepting they insistence we pay XXXX % of the debt owed immediately. As a debt collector for the student loan trust, I belive NAVIENT IS VIOLATING THE FDCPA 's provisions that a debt collector must cease direct communications when they know or have reason to believe we are represented by counsel. They should not be allowed to ignore my attorney and/or not speak with him when they do not like what he is saying. Moreover, they fact he is simply not agreeing with him does not mean we are unrepresented. XXXX XXXX is our attorney until we complete litigation is necessary. Therefore, NAVIENT is knowingly and malicious disregarding the provision of federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Recently, I needed to make a payment for my teaching course certification fee. I checked my available balance in my Wells Fargo checking account and noted I needed to transfer {$9.00} from my savings account to my checkings account to make my payment of {$600.00} without going into over draft. After the money was deducted from my account based on the available balance at the time, Wells Fargo charged me an over draft fee. The only reason I can find to explain is, is that the available balance displayed to me online was not accurate at the time of transfer and the currency conversion fee at the time had shown up as deducted but was not actually deducted from the funds actually available to me at the time. I have tried contacting my branch manager about this issue through phone and email several times at an inconvenience as I live XXXX currently and can not physically go into the branch to resolve this issue. Additionally, the automated overdraft protection service took the remaining money from my savings and transferred it to my checking account to compensate for the overdraft ; there still was not enough money to cover the amount over drafted, so I was charged the overdraft fee. Now after being guaranteed I would not be charged monthly service fees on my checking or savings account, Wells Fargo has charged a $ 5 monthly savings account fee. Essentially, both accounts have a negative balance and I have been unable to resolve this issue because of the unresponsive and uncooperative attitude on behalf of the bank manager at Wells Fargo. I would like to resolve this issue as soon as possible and have my requests met as I was not in the wrong as a consumer and Wells Fargo has been misleading and refusing to communicate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo received a {$300.00} payment towards an existing credit card account on XXXX/XXXX/16 and then misplaced the funds. They did not credit my account and subsequently charged me a late fee and additional interest on the the account. I have confirmed with my paying bank that the funds were received by Wells Fargo and they refuse to credit my account the funds received. I have contacted them three times by phone and I continually get no resolution. This is theft my my funds.

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 2015-05-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, 2015, I made a payment to a student loan with Wells Fargo XXXX which stated that the payment would be applied to my XXXX XXXX, 2015 billing cycle. I later received another bill for XXXX XXXX, 2015. I had taken screenshots of each step along the payment process as evidence that misleading information was being published to the website, as a similar issue had arisen before. They refused to apply my payment to the XXXX XXXX payment date, requiring me to make a XXXX payment on the loan or wait several weeks ( beyond the due date for the bill ) to have a refund sent by check of my XXXX XXXX payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Financial Services, lnc
State: NC

Complaint narrative:
In collections, show {$0.00} balance, Debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
It was brought to my attention that a " Negative ( Not more than two payments past due ) '' was added to my report from Wells Fargo DLR SVC. Wells Fargo has not reported correct information on this auto loan account. First, I am only the co-signor on the account and my friend has not missed any payments in the past 30 days in any month. This past month she was in the hospital, but made an online pay well before the required date for this to be reported. Wells Fargo did not process her payment for over a week causing the payment to go late. This was either incompetence or intentionally done on their part. As a result, my credit score dropped XXXX points and XXXX 's dropped about XXXX points. I want Wells Fargo to amend their report to any credit bureau that they reported ASAP. Also, XXXX has been paying this auto on time for the past 3 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealer Services is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. Wells Fargo Dealer Services is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. Wells Fargo is intentionally reporting wrong credit information on my credit report and it has negatively affected me.

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: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I obtained a loan from Wachovia Bank in 2008. Wachovia was later bought out by Wells Fargo. The following issues warrant my complaint : -I recently received loan documents from Wells Fargo -The property land description is incorrect and the property street name is misspelled -My initials are forged on the land description page ( hand-numbered as pageXXXX ) -The loan was originally a fixed rate conventional mortgage loan ; however, when the loan was changed to Wells Fargo, Wells Fargo changed the loan to a home equity without consumer knowledge or consent. Such change restricts refinance options as opposed to conventional mortgage loan ( based on information I 've been given by Wells Fargo mortgage representatives )

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 2016-01-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i deposited a check for XXXX dollars on monday at XXXX XXXX .. the teller said that XXXX was available immediately and the rest a day or two.,, wells fargo put an 8 day hold on the check because i had late fees and they wanted to hold it .. i am XXXX and unemployed thats money i need to live

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Can borrower current in their HAMP modifications ( XXXX and XXXX liens ) receive another HAMP modification due to hardship and interest rate increase? Wells Fargo ( my servicer ) said XXXX XXXX ( XXXX ) owns my loan and only XXXX HAMP modification is allowed. 

Any idea why XXXX loans can not obtain another HAMP modification?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX & XXXX XXXX had a judgement issued against them from Wells Fargo, after XXXX lost her job. We contacted the Clerk of Court in XXXX County NC and was told to make a payment monthly. We have made payments since XXXX, never hearing anything from the bank or the attorney. This year XXXX XXXX my husband retired and we rolled his pension over to an IRA with Wells Fargo. We also kept {$27000.00} into our Savings for XXXX and home repairs. The money was deposited on XXXX XXXX, XXXX to both accounts. On XXXX XXXX, Wells Fargo withdrew {$7200.00} from our account for the judgement. We went to the local Branch in XXXX XXXX NC, to file a dispute on the withdrawn of the monies. We contacted Clerk of Court and was advised we had paid every month and they were unaware the bank to do this and encouraged us to file a dispute. The Bank Manager made a call and left a message to a member of the Collection Team ; the dispute was not filed and call from the Bank Manager or Manager of Collections. We were told the payments were to little ; in two years we had no communication from the bank or attorney. We were never notified to increase the payments. When I talked to Collector after the withdrawal, I was told the she keep seeing money come in our accounts. I have serious concerns that any one can access our account at anytime if you are a Bank Employee. I find this very unprotected and open to all. We have been told this was not allowed, if payments were being made. We should have been offered to increase our payments. This money was withheld from his pension for Medical Reasons and we are on a fixed income. My husband is a XXXX Veteran and was retired on 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 2016-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Integrated Recovery Services
State: CA

Complaint narrative:
I have received XXXX calls at work from this lender after I asked them to stop calling me at work. The person responsible is XXXX XXXX at XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I filed a complaint regarding Wells Fargo Home Mortgage a few weeks ago under Case # XXXX. Wells Fargo requested more time to investigate the matter. 
This on Monday XX/XX/XXXX a letter ( See Attached File ) from Wells Fargo was sent to me and it was back dated to XX/XX/XXXX. And it was sent to my previous address out of state. In the letter Wells Fargo states it regarding my previous application for home financing and not about current home and its a notice they should have sent XX/XX/XXXX. It 's the Notice of Action Taken and Statement of Reasons. They are stating I should have received this disclosure during that time but I did n't. This letter was for a previous property that I was trying to buy but the deal did n't happen due to a difficult seller. So we moved on to buying the new property which Wells Fargo holds my current mortgage. 
I believe once I made the complaint under Case # XXXX, Wells Fargo is trying to cover there tracks by back dating this letter and not trying to investigate my complaint properly.

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