vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I wrote a super check off of a credit card for {$9500.00}. My understanding was my monthly payment for the XXXX month special no interest, time period would be a minimum of 1 % per month. If the balance was not paid for at XXXX mo. end period, that rate would of course go up. 
I have called customer service XXXX 3 times. First statement said my monthly due would be well over {$300.00}. The rep told me that was not true, it would be a minimum of 1 % per month. Another rep told me the interest rate was 23 %. Another phone rep told me it was actually 2 % per month. I went to a local branch to speak in person and was told they would help. I requested documentation. After a couple of weeks they sent me a copy of my check which I do not need. I asked for a copy of the original agreement and they said that If I could not provide it, they did not have to. The bank rep said it was my fault. I asked if I could request a copy of my phone conversations from their service phone reps and was told they only do that for big customers. 
Things I was NOT informed of in writing : My first payment was to be the 3 % transfer fee. 
That they can demand different amounts monthly without notification. 
That the entire amount would be due at the end of the special offer. 
These points were defined in my original paperwork, which they refuse to give me a copy of. Last but not least, was the rude way, my bank of many years, Wells Fargo, treated me.

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 2016-10-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2016, while checking my accounts with Wells Fargo in relation to some other open issues, I found some unknown charges on my credit card. I called Wells Fargo to report these charges and work out the details of resolving this issue, but I was met with the same useless " customer service '' people that have terrible attitudes, and generally refuse to do or be anything helpful.

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 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hi. I sent you a letter dated XXXX XXXX, 2015 with regard to Wells, Fargo Home Mortgage and all the documentation that is totally conflicting. I sent them documentation to do a loan modification on XXXX XXXX via XXXX. I received a letter from their attorneys, XXXX, XXXX XXXX XXXX dated XXXX XXXX, 2015 that a sheriff sale has been postponed until XXXX/XXXX/2015 ( I was advised by Wells, Fargo that all foreclosure proceedings were stopped so there should not be a sheriff sale at all ). 
In addition, I just received a letter today from XXXX XXXX ( XXXX x XXXX ) that a review of my loan has been pending for a long period of time and she has not received all the required documentation from me so they are unable to offer assistance! I sent them all the documentation just a couple of weeks ago. 
There is no mention of what they still need either! What is going on? 
Something has to be done about this. This is consumer fraud. 
Please help me. I have been thrown around this bank for weeks with no answers and am still under a sheriff sale that hurts my credibility in the business world. 
They should have taken us completely out of the sheriff sale as they told me they would do. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or about XXXX, XXXX, Wells Fargo assumed our mortgage loan. We arranged for our monthly mortgage payments to be made from our checking account and were never late up until we paid off the loan when we recently sold the house. 

We unfortunately did file for Chapter XXXX bankruptcy in XXXX, XXXX, paying $ XXXX/month to the court trustee. Our case was discharged, after we made all of our trustee payments on time, on XXXX XXXX, XXXX. Not XXXX of our payments to Wells Fargo were ever late, most coming directly out of our Wells Fargo checking account using their auto pay program. 

We are in the process of refinancing our current mortgage to a lower percentage with XXXX Mortgage and were told that XXXX XXXX, on the behalf of XXXX, found that Wells Fargo has discharged our loan showing it as being discharged in bankruptcy, rather than being either paid on time or fully paid. Our bankruptcy was filed almost 7 years ago, discharged over 3 years ago, & had no detrimental affect on Wells Fargo whatsoever since we made every single payment on time & in full, evidenced by their own records. Wells Fargo admits this but says that since we did not " reaffirm '' the debt officially, they will not show it as anything other than a detrimental bankruptcy on our credit reports. The agent at XXXX XXXX was mystified at Wells Fargo 's action and response during a conference call and said that he was changing his report to show Wells Fargo paid on time & in full so that the refinancing with XXXX could go through as planned. 

But we are concerned as to what will happen to our credit in the future as the result of this action by Wells Fargo. We, as many consumers, had financial difficulties after the XXXX financial recession. But my wife and I have worked hard to recover from them. Since our Chapter XXXX filing we have paid our bills and creditors on time, built our credit back up, and expected our bankruptcy to fall off our credit reports this XXXX, only to find this new attack on our credit reports from Wells Fargo to appear when the only thing we did to them was always pay our mortgage on time every single month. Do we now have to wait another 7 years for our bankruptcy to fall off our credit reports? 

Please help. 

This, to us seems extremely unfair. I have attached payment information from Wells Fargo 's own website for the last 36 months ( as far back as I could go ) that shows all payments made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I received a revised XXXX form from an online banking company earlier this year. It said the income they had said I earned in 2014 was not correct ; that they had made a mistake and I actually earned {$19.00} less than what was originally stated. I contacted them, and was assured this was not a mistake. In order to make my 2014 tax revision, I have had to gather online banking and credit card statements, as well as invoices from an online auction company I sell items through. This has led me to find MAJOR discrepencies in the accounting of these accounts ; recurring payments have been omitted, charges I did not make are on my statements and transaction records, and my invoices have been altered by hand, and are not in the correct document format. I have contacted all of these institutions, to no avail -they all assert that no fraud has occurred. My bank also issued a " standard '' form letter to me, saying, in part, that because I made regular payments, there was no fraud. Please advise me on this most distressing matter.

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 2016-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, Wells Fargo Home Mortgage/American Servicing Company, Repeatedly, had us completing Home MOD Documents, every three months, and denied us every time, as we fellook behind on or mortgage ddue loss of income and excessive medical bills, Wells Fargo/ASC forced us to fill for chapter XXXX bankruptcy on XX/XX/XXXX which was accepted, On XXXX XXXX, XXXX Wells Fargo/ASC, sent their vendor and had our front door locks top and bottom drilled out, placed new locks on our front door, as well not leaving a key, but also leaving ore front door completely unlocked, after we had filed for bankruptcy. PLEASE HELP! DUE TO THEIR FRUADULNT PRACTICES WE HAVE LOSS OUR HOME, WE OWNED SINCE XX/XX/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 2016-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a veteran of the United States XXXX XXXX and due to the worsening of my service connected XXXX I have been unable to work since XXXX 2015. Subsequently I lost a substantial portion of my income and have been unable to afford my mortgage. Wells Fargo have repeatedly refused to work with me they denied me for XXXX different programs for reasons varying I make too much money for one program and not enough for the others in an attempt to displace me from my home and put me on the homeless veteran rolls. I went through Wells Fargo Home Preservation Department as well as reaching out to XXXX to lobby on my behalf and they have rejected all attempts to remedy my situation in favor of repossession. I am currently 2 months behind on my mortgage and am desperately seeking to refinance to a lower interest that would make my payment affordable but Wells Fargo began reporting to the credit bureaus once I was late and my credit score was lowered from a XXXX to a XXXX making it next to impossible to get a lending agency to refinance my loan. In effect they sabotaged my effort to get an affordable payment based on my now permanent XXXX status and VA income in addition to refusing to help me in any way instead advising me on the phone to sign my house over to them or complete a short sell on my home were the only options they gave me. I served my country honorably and deserved better than this please contravene on my behalf that I may have justice and a favorable outcome. I 've worked hard to get my home after a divorce left me bankrupt a few years back, I worked and saved to get my home and I fully intend on keeping it. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Balance transfer : Well Fargo and XXXXI did a balance transfer ( XXXX ) from Wells Fargo to XXXX in XXXX 2015. 
XXXX claimed that they have paid the money to Wells Fargo, Story with Wells Fargo Wells Forgo says it has not received any money. I have been following up for 3 months.Calls lasting from XXXX to XXXX hrs with both banks with no resolution. 
Wells Fargo said 45 days back that they will open research case and get back to mein 30 days, I called them now and they said their Rep notes does nothave any trace of such conversation. I had asked them for a letter/emailsaying that they have not received anything, was told that no suchprocess exists.Today the representative said he has issued me a letterWhich I will get in 2 weeks. ( as I spoke about filing Consumer complaint ) XXXXThey have sent a letter with details of payment made, they also tried tocontact well Fargo and Wells Fargo did not have 'my permission ' to speak with them. Wells Fargo did not mention anything like that during my talk neither did it reach out to me to ask for any permission. 
This is seriously sub standard service ( actually no service from both banks ) and loss of my business days costing me at least XXXX times morethan the actual amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This loan has been is short sale approval for 6 months! We have had XXXX offers, XXXX of which have left because of the length of the process, we are about to lose the XXXX and the homeowner has lost her job again and is under much stress. XXXX XXXX XXXX. She has her agent XXXX XXXX sending this for her as she has broken English and needs assistance. We were notified of the approval of the short sale around XXXX XXXX, since then we can not get consistent communication about this short sale and three times they have requested the same information from us of which we have sent and resent and outlined the corrections to the loan officer, XXXX XXXX on which offer he should be looking at. On XXXX XXXX we sent the information below for the 3rd time! We have had no response after numerous attempts and including a cc to his supervisor : XXXX XXXX. Still no response as of XXXX XXXX, 2016. In addition we have left several voice mails since our emails have gone unanswered. Buyers have given notice today that they will resend offer XXXX XXXX due to the lack of communication and response from Wells Fargo. This home appraised for {$170000.00} and offer is for {$170000.00} with {$5000.00} in closing cost ; this should not be hard to accept! Please assist XXXX XXXX with this lender and her unfortunate circumstances.. 
XXXX XXXX XXXX Homeowner XXXX XXXX XXXX Homeowner 's Listing Real Estate Agent SEE BELOW WHICH WAS THE LAST CORRESPONDENSE SENT ON THIS : REF # XXXX XXXX XXXX XXXX XXXX XXXX NC Thank you XXXX for responding to us. We have attached the following based on what you numbered out to us in your previous email. This is the 3rd time we have sent the correct CURRENT documents and what you are apparently looking at are previous offer that no longer apply. 

1. The offer to purchase is in the amount of {$170000.00} not {$170000.00}. 
2. The HUD closing worksheet shows the correct purchase price of {$170000.00} not {$170000.00}. 
3. The attached listing agreement signed XX/XX/XXXX takes us through XX/XX/2016. 
4. The buyer is asking for concessions in the amount of {$5000.00} not {$4500.00}. We understand if there is a cut off of allowable seller concession costs but just need to know for sure the correct amount to advise the buyer. 
5. The fully signed and initialed offer to purchase is attached as well and is n't missing any seller initials. 

How fast can we get a response that you have received these and looked through them and see what we have laid out above is correct? 

Also, can you explain to us what LOW NET means.

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 2015-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 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: IL

Complaint narrative:
Between XXXX and XXXX, I took out a few Wells Fargo private student loans. Since I did not have enough credit to be the sole borrower, my parents were co-signers. The loans that we signed stated that my parents would be released as co-signers after 24 consecutive on-time payments. 
In XXXX, I took forbearance with my Wells Fargo loans due to an XXXX internship. Once the internship ended, I was told that my parents would not be released until 48 consecutive on-time payments were made beginning in XXXX. They alleged that there were missed payments, but there never were. I requested detailed information from them, but they never produced documentation. 
The development about the new co-signer release was never agreed upon, either verbally or in written form. I have made on-time payments without my parents help for the duration of my payments and ask that they be removed as co-signers as soon as possible.

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 2016-12-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX XXXX, I am disputing the issue of my {$35000.00} as per the below federal disclosure laws. 

On XXXX XXXX, 2010, the President signed the Dodd-Frank Wall Street Reform and Consumer Protection Act ( the " Dodd-Frank Act '' ), enacting numerous provisions intended to reform the mortgage lending industry with an eye towards consumer protection. Many of these provisions are contained within Title XIV of the Dodd-Frank Act, the Mortgage Reform and Anti-Predatory Lending Act ( the " Mortgage Act '' or the " Act '' ) Subtitle E ( Mortgage Services ) of the Act reforms mortgage servicing practices addressed in TILA and the Real Estate Settlement Procedures Act ( 12 U.S.C. 2601 et seq., " RESPA '' ). The Act requires creditors in connection with a consumer credit transaction secured by a first lien on the consumer 's principal dwelling to establish an escrow or impound account in a federally insured depository institution for mandatory payments of taxes and insurances premiums. By regulation, the Board may exempt certain creditors from the requirement to establish an escrow or impound account. Such escrow accounts shall remain in existence for a minimum period of five ( 5 ) years. If the consumer waives the maintenance of such account in writing, the mortgage lender is required to provide a written disclosure advising on the consumer 's responsibilities and implications in the absence of any such account. The Act amends RESPA by adding new servicer prohibitions and increasing the penalty amounts for violation. A new TILA provision requires the servicer of a consumer credit transaction secured by the consumer 's principal dwelling to promptly credit payments to the consumer 's loan account, and to send accurate payoff balance information upon written request by the consumer. 

XXXX XXXX used the same pitch when he told me why I was to bring {$35000.00} to a clsoing in order to receive a loan that is used for converting home equity into liquidity, thus Home Equity Conversion Mortgage. I did n't apply for a mortgage refinance or a commercial loan, I applied for a Traditional Reverse Mortgage. Where 's my {$35000.00} that was escrowed?

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 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I applied for a loan modification with ASC. I was not late when I applied for the modification and I was not late on making payments during the modification period or now. I received an approval for a trial modification and was told specifically what amount and what dates the 3 trial payments had to be made to be approved for the loan modification. The letter from ASC was very clear. I called my assigned home preservation specialist and was told that I did not have to make a payment in XX/XX/XXXX ; that I would make my first trial payment in XX/XX/XXXX. I made my payments either on time or early. I was not approved for a HAMP modification in part because my loan was not in default and because my mortgage payments were not delinquent. I was approved for a non-HAMP modification. ASC reported me late to the credit bureaus and as a result the credit card company that I primarily use cut my available credit line down by XXXX %. ASC did not act in good faith and fair dealing with me and their reporting me late to the credit bureaus when I followed their written instructions and the verbal instruction of their representative is a deceptive and harmful business practice.

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 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was contacted by Navy Federal Credit Union regarding my brother XXXX XXXX because he has a debt with them. The Navy Federal Credit Union employee identified themselves and then asked if I could pass a message onto my brother XXXX XXXX. I told them no, and that I was not XXXX XXXX so they should contact him about this issue. She restated that she just wanted me to pass on a message to him, and I again politely told her no and that they can try to contact him directly. 

I then called Navy Federal Credit Union 's main extension and asked to be transferred to their collections department. I wanted to file a complaint so that there is a record with them that their employee contacted me and solicited me to do something that violates the FDCPA and the TCPA. Once I explained why I wanted to be transferred to that department the customer service representative refused to transfer my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I got my load mod and I have made XXXX installments for the trial period. They have a sale date on XX/XX/2016. The lady that is handleing the case said that if I made my payment by the end of the month so I can get the money to made the payment for the trial period. I talked a other person and they said that we need to make the last payment before XX/XX/2016. how can we get a XXXX in one week. I just made the XXXX payment of XXXX and that take all the money at i had. can you help in stopping they for the sale date. we have gotting the notice of sale..

Company response to consumer: Closed with explanation