vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been attempting to sell my home through the Short Sale Process and Wells Fargo is not bargaining in good faith. I have an ALL CASH BUYER who is willing to payoff all the liens on the property. They have responded that it is in a ( Fourclosure status ) but they do not have a ( Sale Date ) for the auction. I am requesting that Wells Fargo re-open the Short Sale Process and bargain in good faith. They are also stating that they can not approve it because it is and ( FHA ) mortgage which makes no sense.

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 2016-03-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The collection agency " The XXXX XXXX '' called me numerous times. This morning they called again from XXXX and I answered. They asked to speak to XXXX XXXX, who is my XXXX year old mother. I told theM she was asleep and XXXX. The Representative XXXX XXXX asked if i would wake her up and i said no i would not and asked if i could help them as i am her son. She then explained that she was a debt collector and that my mother owed money to someone - I did not catch to whom - at this point I explained that she had violated the Fair Debt Collection Practices Act by disclosing to me a third party that : A. Who she was B. Who she worked for C. That she was a dept collector D. Who her client is She began to try to talk over me, insisting she had not violated the law. 

I asked for her name which she gave willingly, but I had to ask her a few times for the name of her company and she all but refused to give me her phone number saying " do n't you have it on your cell phone? '' I told her that the number that appears on my cell phone may not take incoming calls and that I wanted the correct number to her company, which after a few more requests she gave 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 non-monetary relief
Consumer complaint received 2015-06-16 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: Applied Resolutions Group
State: TX

Complaint narrative:
This debt collector called me, my employer and my minor daughter. When told to no longer contact or speak to my minor daughter, they stated they would not agree to not call her. They gave out personal information to others. They have also threatened to get me fired. They have in the past threatened my parents as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I paid my auto loan within the 10 day grace period and the company still assessed a late fee.

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 2015-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
As a XXXX veteran ( XXXX ) with a XXXX status accorded me by VA, I qualified in 2013 for a VA mortgage, which in New Jersey means that I do not pay property tax. Despite this, my mortgage lender, Wells Fargo, has not only required me to pay property tax as part of my mortgage payment, they have demanded the municipality send my tax refund to them. They have also then held the full amount, over {$4000.00}, claiming it is needed for escrow to pay my homeowners ' insurance, despite the fact that the homeowners ' insurance is under {$1000.00}. Additionally, they have held the refund payment for a full year, despite the fact that the insurance premium was paid on time six months ago. 

Despite several appeals to Wells Fargo and a full-scale effort to get things cleared up by the XXXX, I can not get a coherent answer to why Wells Fargo needs the money I have been exempted from by the government due to my service record. They send me forms that make no sense to me. Their replies to the XXXX inquiry were simply inscrutable. 

I need help. I am unable to work. I am under continuous VA medical care. I was told by VA, the state of New Jersey, and the municipality in which I live that my service record entitles me to not pay property tax. Why should I pay tax to Wells Fargo?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
i was approved for a line of credit with navey federal but for some reason it was revoced

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Alliant Capital Management LLC
State: NY

Complaint narrative:
Received a call from XXXX asking to verify delivery of legal document. When called back a recording states, " you have reached the location verification division please call XXXX. When that number is called it is the phone number of Alliant Capital Management XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX - XXXX Compliance - XXXX XXXXXXXXXXXX. 
I have determined it may be or posing as a debt collection company. I have no debt, no failed loans perfect credit.

Company response to consumer: Closed
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My wife and I entered a home purchase contract on XXXX XXXX, 2015 in XXXX, AZ. We switched to Wells Fargo Home Mortgage branch of XXXX XXXX XXXX, XXXX, AZ on XXXX XXXX, 2015. We showed them our sales contract Which had a COE date of XXXX XXXX, 2015. However, we asked if they could accommodate the original sales contract date of XXXX XXXX, 2015. They fully assured us that they could reach that goal, I asked about possibilities that could hold them up, and they did not propose any situations and just restated they could meet our requested goal. We informed them of our previous lender, so they could contact them if needed. Since our inspections were complete and we were conditionally approved for the loan, on XXXX XXXX, 2015 we asked when our appraisal would get done. An answer was not given back to us until XXXX XXXX, 2015, and we were told our file is now in underwriting and an appraisal would be completed on or before XXXX XXXX, 2015. On XXXX XXXX, 2015, I called the branch manager to voice my displeasure with the service and lack of integrity on their part as they have not kept their word XXXX now. He answered and said he would look into it and contact me back in 15 minutes. He never contacted me back. The appraisal did not get completed until XXXX XXXX, 2015, and no explanation was given to us as to why. For the next few weeks, I got no solid information as to a closing date, I fixed minor items they asked for instantly ( why were n't these requested earlier in the process? ). They kept telling me I was in line to close and it could happen any day, so for two weeks I set up moving arrangements, incurred more expenses, paid more unanticipated rent, experienced difficulty at work, and struggled with frustration. I finally showed up unannounced to their branch and got to speak in person with the branch manager. He fully acknowledged his team and other parts of Wells Fargo had let me down and did not live up to expectations, provided poor communication, and had incomplete work. Furthermore, he said there was a big issue with the appraisal not getting done in a timely fashion, but could not explain why that was not relayed to me. I told him that prevented me from looking for an alternate lender by not disclosing that there were issues. Today is XXXX XXXX, 2015 which is 5 days before the sales contract expires. I could lose the house, the money I paid for inspections, and months of effort and wasted frustration if Wells Fargo continues their poor professional work and the closing is not completed in the next 5 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My son and I received a letter from the Nelnet Student Loan Servicer today, XXXX/XXXX/2016, introducing the fact that they had been selected by the U.S. Department of Education to be our student and family loan servicer. The letter refers to an enclosure that we should read, but there was no enclosure in the mailing. We do n't feel that we have received all the information we need, and our confidence in the servicer is n't enhanced by a mistake that, if it included all the other people who received the mailing, could represent a significant error and possible financial expense on the part of the company. The letter was addressed to my son, XXXX XXXX, and was dated XXXX XXXX, 2016. We would appreciate it if the company would forward the missing piece, and would not object to being allowed the option of choosing another servicer. Thank you for attending to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Only gave me one option for lowering my payments but only taking my rent in to account and not other bills that I have to pay monthly. I am more than willing to try and start payments, but can not afford the full payment at this 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 2016-09-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter from my mortgage provider, Wells Fargo stating that they incorrectly calculated my payment per our agreement terms. As a result, the monthly payment they billed was too low to pay off account by maturity date. They now want to increase my payment. The first letter was provided on XX/XX/XXXX. Since then I have made multiple calls with no answer to why this happened and why their mistake is my issue now? I called the number they provided on XX/XX/XXXX. I 've made multiples calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with additional calls on XX/XX/XXXX and XX/XX/XXXX. This is only the calls that I have recorded, with additional calls made with no response or answers. The letters I received, started on XX/XX/XXXX, and there after in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX all stating they are looking for answers. I feel that the mistake they made are now on me by increasing my payment and have not held themselves accountable.

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 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My first and second mortgage was through XXXX XXXX. We negotiated a short sale with them. They agreed to remove the balance on the first mortgage and close both the first mortgage and second mortgage and CHANGE THOSE STATUSES TO UNRATED. The first mortgage was properly notated but the second mortgage XXXX Account XXXX ) is reflecting a status of " Charged Off ''. I disputed this with the bureaus and they left the status the same. 

The three credit bureaus would have submitted this to XXXX XXXX. They would have sent back the dispute indicating that the charged off status is correct. This is contrary to the arrangement we had for the status after the charge off. The Fair Credit Reporting Act provides that the data furnisher has the same requirements for processing disputes and providing the correct data as the bureaus do ( FCRA section 623 XXXX a ) ( 1 XXXX ( A )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I made a large deposit ( $ XXXX ) into my checking account with Wells Fargo Bank. The deposit was made on XXXX/XXXX/16. The bank said the funds would not be available until XXXX/XXXX/16 which is 11 days or 6 business days. I called to determine why it would take so long to validate the funds when they run a batch process for deposits and withdrawals on a nightly basis. Their response was - that 's how long it takes, which is ridiculous in this day and age. I also inquired if I was receiving interest while the funds were deposited in my account but not accessible and the answer was no. So in addition to not be able to access my funds I am also not receiving the benefit of earning interest on my deposit. And although the interest is paltry even on the large deposit I made, if they are subjecting all of their customers ( XXXX XXXX ) to this arduous XXXX6 days validation of deposits and not paying interest at the same time, it is a significant impact on the consumer. Especially considering the are the second largest depositor in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
They would call me at my job almost everyday for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX as well as expiration/terms of promotional interest rate is not disclosed on monthly statements

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 2017-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a home equity loan with Wells Fargo Bank. Beginning with the XXXX XXXX and XXXX XXXX payments I began using bill pay through XXXX. Using bill pay, XXXX {$1500.00} payments were made by me to WFB on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that WFB received, but XXXX and then began harassing phone calls by WFB. I explained things numerous times to WFB representatives and provided them with the documentation proving that they had been paid timely. They nonetheless asserted late fess. I had them talk to my private banker to resolve things with no success. I asked them repeatedly to confirm that they have not reported late pays to the credit reporting agencies with no success. I have followed up repeatedly about things being resolved with no success. I have asked them to confirm that they had received payment because they then inexplicably refunded the two payments with no success..

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 2015-08-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
We received a mortgage loan through Wells Fargo Financial in 2005, ( this being a refinance from an earlier loan ). We have since discovered that this loan was based on the rule of XXXX 's for the application of payments. Congress passed law in 1991 stating that this form of accounting could not be issued to loans over 61 months, our loan is for 240 months. Because of this loan structure, we were unable to refinance with any other company because we owed far more on the loan than we originally borrowed. We have tried for 5 years to have Wells Fargo correct the errors in our loan servicing, to no avail. After 5 years, Wells Fargo has now foreclosed on the property. We had to file an emergency Chapter XXXX bankruptcy in order to save our home. After years of research, I have uncovered more errors in the loan servicing. Examples of these errors are : WFF APR is twice the amount of the average APR at the time of the loan making this a high cost mortgage, of which are subject to the requirements of TILA 12 C.F.R. 1026.35 ( Title 12 of the Federal Register ). TILA Sections 108, 129, 129B, 129C and 130 state the statute of limitations to be 3 years. Our appraisal and income was inflated in order to qualify for this loan, a violation in which the originator must make certain of the ability to repay. No counseling session was required thus no counseling certificate was presented. 12 CFR 1026.32 ( d ) ( 6 ) prohibits pre payment penalties on these loans. 12 CFC 1026.35 ( b ) requires escrow to be established ( no escrow established on our loan ). 12 CFR 1026.36 prohibits loan originator compensation whereas our loan included commission to the officer. 12 CFR 1026.36 ( h ) prohibits mandatory arbitration on waiver of certain consumer rights, such arbitration agreement was included in our loan closing. The loan originator must be licensed with XXXX and the loan documents must reflect this. No Identification number was included, bringing up the question as to the qualifications of the originator. We never received our Truth in Lending Disclosure. With all this being said, due to the structure of this loan and our inability to have these errors corrected, our credit has been significantly damaged and un-repairable. The damages that Wells Fargo has caused us both financially and emotionally are insurmountable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
When someone goes to Wells Fargo bank with a check I wrote to them that is draw on Wells Fargo they want to charge XXXX to XXXX dollars to cash the cause they do n't have an account with them. That is nothing but a ripoff plain and simple, they are just stealing these people 's money. I would hate to think what could happen when I have had it with these type of banks. It 's time the government does something about it before I do.

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 2016-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo local bank at the XXXX in XXXX Georgia,XXXX open a unauthorized credit card account in my name about four years ago. I spent a lot of time and money with the bank, credit bureaus trying to get this fraud corrected.

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 non-monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter from Wells Fargo today that my credit card was closed for inactivity. I am unable to access online statements associated with this account, even though Wells Fargo 's website says that online statements would be available for 2 years. I want my account reinstated/reopened. And I want Wells Fargo to fix their website so that I can view my online statements from this account again. Under Truth in Lending Regulations ( Z ), credit card companies are required to furnish periodic statements and have proper record retention practices. If I ca n't access my statements from year 2015, they are in violation of these regulations. These companies always want people to switch from paper to paperless statements as a cost savings and convenience measure. However, when it 's time to access the online statements, they 're unavailable.

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