vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo holds the servicing rights to our mortgage, but is failing to fulfill the government 's requirements when it comes to properly servicing our loan. My husband and I have had an extremely difficult time obtaining fair and equitable assistance as Wells Fargo has completely turned their backs on us. They once offered us a loan modification, but the payment was unaffordable and we are uncertain how they came up with the offer. There was no way they derived the modification from any numbers we provided and, since that time, our efforts to engage their Loss Mitigation Department has been a futile exercise. Their representatives are nice, but it appears as though they are just going through the motions to get through their day and really do n't care if we lose our home to foreclosure. My husband and I built our home in XXXX and put over {$600000.00} of our own money towards the construction and financed another {$600000.00}. Everything was going along fine until my husband 's business had a warehouse fire at the worst time in the economy and his income never recovered. At about the same time, my work started to slow down due the downturn of the economy ; ultimately resulting in me losing my job. We burned through our savings to keep up with the mortgage payments while we struggled to get back on our feet financially. At this time Wells Fargo made their offer, but it was impossible to make the trial plan payments. Also, I have been unemployed for awhile, but our loan has never had a review for the Unemployment Program that the Obama Administration put into effect in XXXX of XXXX. Wells Fargo dropped the ball on the modification offer, on the Unemployment Program review and thus, we believe we will lose our home to foreclosure. If we were able to get into tUnemployment Forbearance Program, it would buy us time to negotiate a better settlement with our loan as our future income picture looks a lot brighter. Currently, we have sufficient income to afford a reasonable modified mortgage payment and Wells Fargo should open a review for assistance based on our current situation ; my unemployment. We are certain this matter can be resolved if Wells Fargo took a look at our situation and follow the guidelines set by our government.

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 2015-08-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am contacting you in regards to my Wells Fargo Credit Card, I have contacted wells fargo XXXX times in reference to getting a lower interest rate on my credit card, they state that they do n't negotiate the rate at this time but they are unable to provide any further information in regards to this. This also are having trouble producing the terms and conditions that i " signed '. I would have never committed myself to something with an interest rate of XXXX prime. After calling wells fargo customer service and executive office i have gotten no where in fact the last rep hung up on me. I have been keeping detailed names of everyone that i have talked to and am shocked at the level of customer service provided by the reps. It seems like they are doing something shaddy to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
This is Wells Fargo. On XX/XX/2017 their system called my cell phone and left a voice mail lasting 1 minute and 22 seconds without saying a word. I feel this should be considered a form of harassment.

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 2016-05-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was charged three times by XXXX for a ticket I ordered once. I could not get a hold of anyone at Wells. XXXX people at XXXX, in particular XXXX, threatened to hang up on me despite XXXX rippingme off.

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 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I submitted an application for HAMP assisstance to America 's Servicing Company. I am requesting a loan modification, they responded that I had the maximum amount of modification possible and that the private investors are renuant to offer another modification. In a telephone conversation that I have with XXXX America 's Servicing Company, Home Preservation Specialist in XXXX XXXX, she stated that the investors can not approved the modification because I was found unable to pay. The house is scheduled for a foreclosure on XXXX/XXXX/XXXX. I am requesting your help to stop the foreclosure and to advocate for a positive solution of my case, either loan modification or refinance. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Over the past several years I 've been the victim of aggravated identity fraud. I have filed a report with the FTC, and have sent letters to Wells Fargo with information from the DOJ that state this as well. On top of Wells Fargo creating phony accounts in my name without my permission, they 've also allowed fraud on my account to continue even though I 've given them notice routinely. I 've been promised I 'd receive credits back from supervisors and then after weeks go by, my claim was denied. My information was compromised in 2013 with the XXXX data breach and I 've had issues ever since. I always notified Wells Fargo in writing or via email or phone call within 2 days of any of these charges and they still wo n't honor their 0 % fraud liability protocol. I 'm working with the DOJ on potential options but want to expose Wells Fargo for this criminal activity.

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 2015-05-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX use my XXXX ( provided by Wells Fargo bank ) card number ( ending in XXXX exp XXXX ) for recurring charges. 
Since card ending in XXXX expires on XXXX Wells Fargo card company send another credit card ending in XXXX exp XXXX. 

But XXXX has old card number ( ending XXXX and exp XXXX ) on their file. I never updated billing card information in XXXX. Neither I activated new card ( ending XXXX ). 
But still Wells fargo accepted credit card charge from expired card. 

I was sure that since the card has expired XXXX will not be able to charge using old card information. But Wells Fargo card service has accepted the charge on XXXX and XXXX. Since I did not use this card anywhere I did not pay attention to Wells Fargo card account. Hence I miss payment. On XXXX I got billing statement and found that I owe {$91.00} with the late fee of {$27.00}. 
I contacted company customer care and they inform that since my account number remain same they will accept the charges from expired credit card. But when I check my new statement account number it ends in XXXX. 
My question is will credit card company accept the charges on expired credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
In XXXX of XXXX I bought a new car -A XXXX XXXX XXXX - The original cost of the car was {$19000.00} of which it would make a loan of 3.99 % for 60 months or payments of {$360.00} Unfortunately, I was trapped into buying additional power train insurance - The insurance was sold as an additional {$100.00} a month instead of financing an additional {$2700.00} and XXXX at {$3700.00} making the loan {$26000.00} - When I realized that the loan now was {$26000.00} Instead of {$19000.00} I complained the dealership - I was able to recover some of the money that I paid for the additional insurance - ( see detail payment loan payments ) My loan was not adjusted to the original 3.99 % interest for {$19000.00} @ 60 months or a payment of {$360.00}. I have continued to pay the loan at the higher amount of {$490.00} a month as if the loan was $ XXXX I have been paying the higher amount for the last 2 1/2 years - I requested to Wells Fargo to adjust my loan to the original amount and adjust the payment as {$120.00} Extra as additional loan payment towards the principal and adjust the remaining of the loan accordingly to the lower loan payment. 

Please see attached additional information XXXX XXXX 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 2016-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After the housing crash, house values in my neighborhood lost value rapidly and most houses became under water. XXXX tried to assist me in obtaining a loan modification, but the lender, Wells Fargo Mortgage, declined the application in XXXX XXXX. After Wells Fargo Mortgage declined two subsequent request for assistance through a modification, I offered to give up my home in a Mortgage Release or Deed-in-Lieu. Wells Fargo agreed to the deed-in-lieu of foreclosure, subject to me getting a Realtor to seel the property in SHORT SALE, if no offers, Wells Fargo promised to offer the deed-in-lieu after 120 days.Up to XXXX XXXX, my mortgage had been kept current despite Wells Fargo Mortgage 's refusal to grant a modification. 
After rejecting XXXX investor offers, Wells Fargo Mortgage forwarded my file to their attorneys, and foreclosure date has been set for XXXX XXXX, XXXX. My initial request for a deed-in-lieu was in XXXX XXXX. My Mortgage balance is $ XXXX, appraised value of property is under $ XXXX, and Wells Fargo advised the realtor that $ XXXX would have been acceptable in a Short Sale. There were no offers at that price. Why wasnt I offered a modification at $ XXXX? I would like to keep my home. 
Thank you for hearing me out!

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 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Went to office Wachovia Bank. Set up a account for my parents where I had power of attorney. Bank officer did not tell me power of attorney ends with death of my parents. There is {$2500.00}. which I can not het my hands on because to probate would cost me {$2500.00}.

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 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WellsFargo did not pay my county taxes on time. They did not alert me that they 're may not have been sufficient funds in my escrow. This caused me to have my credit report show a lien placed which looks like I did not pay on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo took out reverse mortgage on a rental property I had instead of on my home, which I needed one on to pay mortgage and to remove husband 's name from it per divorce. This eventually forced me to move to that house, and my ex husband filed lawsuit for contempt!!! So I was forced to sell my long time home and move to unsuitable property that I could not XXXX ... All because of predatory reverse mortgage. The salesman came to my home twice ... .Knew it was my beloved home. Then at " closing '' XXXX strange unprofessional men I never saw before came to my home ... .When I changed mind about the loan they got angry, said they were in a hurry, threatened me that if I did not initial papers ... .Huge! Stack ... I would never get reverse again. I was never given time to even look at papers ... .Now, I find out they were robosigned by XXXX XXXX XXXX vice president ... .They wo n't say who owns loan, wo n't let me repay the taxes they paid,. Denied Hardship the promised ... .I am XXXX with XXXX and XXXX and the are throwing out on street!! In four weeks I have no where to go and too I 'll and XXXX ... .Barely out of bed!! Can you help me please.

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 2016-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I do n't know where to start with 'WellsFargo '' I Have paid all my accounts with wells fargo they have sent me letters stating that everything has been paid and reported to XXXX and XXXX yet the have lied and continuously left me out and the dark they have the XXXX stating that they will not remove me because of fraud really look how many of their employees have been FIRED OF FRADULENT ACOUNTS AND SCAMS yet they sit they and judge me when they hired a bunch of crooks serious I made mistakes I 'm not proud but I never defrauded anyone like your employee they even closed my bank account because I 'm XXXX I was dating rich white man and he wrote, me checks for bills and etc.And the bank teller told me that I was a XXXX and I should be ashame of myself in the branch in front of everybody put me to shame because I 'm dating a rich XXXX these are the people representing wellsfargo I never in my life been so humiliated another personal banker PUSH ME OUT THE BANK YES and they gave me my money in the parking lot I 'm not not making this up I still witnesses til this very dare and I 'm still with same XXXX who left wellsfargo because of this incident who are these people where did they come from they sholudnt get away with this, I want my named cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX, l would like to file a complaint against wells fargo bank in XXXX XXXX, fl.XXXX for mishandling funds in my checking account. they close the account so l want have showing proof what l had in the account and have access to loginto my account to my knowledge l had {$5000.00} XXXX dollars at that time. the moneythat l had my account was for college, l, am a XXXX in college taking XXXX. lwould like to receive my funds back in a check or whatever. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Mortgage gives you a grace period on your mortgage payments before the late fee is charged. However, if its not paid on the first they report it to all XXXX credit agencies as LATE, this is causing problems because I keep getting DENIED when I apply to refinance my current mortgage ... ... Can I bring legal actions??

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 2016-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: CA

Complaint narrative:
I have had a problem with the " Direct Express '' debit master card account! I had XXXX different deposits ( returned merchandise ) from the same merchant into my account on XXXX/XXXX/2016 neither transaction reflects in my account! I have contacted the customer service numerous times to no avail! They refuse to allow me to dispute or file a claim for the money they have received from the merchant, and not deposited into my account. I am seeking your help to get my money from this Direct Express bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: First Service Residential, Nevada, LLC
State: MN

Complaint narrative:
First service residential, the XXXX that manages the XXXX building in XXXX Minnesota, failed to send me a bill for {$240.00}. First service residential, the XXXX that manages the XXXX building in XXXX Minnesota, failed to send me a bill for {$240.00}. I was not aware that this bill was outstanding, and they charged me {$40.00} late payments for almost XXXX years and put a lien on my condo for the amount of road. I never received any I was not aware that this bill was outstanding, and they charged me {$40.00} late payments for almost XXXX years and put a lien on my condo for the amount of road. I never received any invoices or notifications of this because they had my name and address wrong in their system. I paid my mortgage and condo fees on time every month. there was never an attempt to call me. I would 've been happy to pay a bill for {$240.00}. It does n't make sense that they would put a lien on my condo without contacting me. I am selling the property and going to settlement on XXXX XXXX and the condo Association has decided to forgive some of the debt but not all they still want legal fees and the lien release of almost {$1200.00}. I would like this to be Association has decided to forgive some of the debt but not all they still want legal fees and the lien release of almost {$1200.00}. I would like this to be thrown out due to a lack of effective communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
This debt was actually a mistake on XXXX behalf. I had XXXX internet and they mistakenly charged me for months of usage. I was on the phone with XXXX for over two hours and I was able to take care of the charge and pay a total of {$45.00}. This also came up last year and I disputeted and it was taken of my credit but this has appeared once again and it 's pretty annoying seeing my perfect credit have a derogatory mark. I have never received anything from them either so I have no idea how they received my info and ss.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I have received XXXX phone messages from this number, ATG credit, XXXX, threatening me with taking action against me for a debt that I do not owe. I think this is a scam and I am reporting it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Remex, Inc.
State: NJ

Complaint narrative:
Last week I received a call from Remex Revenue Management of XXXX XXXX XXXX XXXX N.J. XXXX. Stating that they was hired by XXXX to collect a Debt. of XXXX at that in formed that I had payed some of that. Then I. was inform they going to report this to my credit report. Then I got letter from them dated XXXX 2016 with the same. so I just payed the entire bill due to my illnesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX, through the law firm of Blatt, Hasenmiller, Leibsker and Moore LL ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ), has placed a a lien against our property in XXXX IL based on a default judgment in XX/XX/XXXX for a debt owed by a XXXX XXXX of {$3300.00}. We were not aware of the judgment until a property search was performed in XX/XX/XXXX. This is a case of mistaken identity and the judgment needs to be vacated for the following reasons : 1 ) We have never had an unpaid credit card or other loan balance with XXXX XXXX, 2 ) we have NEVER been served, so we could not respond to the charges even if they were to the wrong person ( the court claims the defendant had moved ) 3 ) she has no derogatory record on her credit report from XXXX XXXX, 4 ) she is currently a customer in good standing with a XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin Collection Service , INC . Stated that I owed XXXX XXXX for internet services ; however, I never used XXXX for internet services. They have since reported the charge against my credit score XXXX. I sent them a written dispute, but never received follow-up correspondance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation