vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We have a home equity loan with Wells Fargo, a 15 year with a balloon payment at the end of the term. We have been making extra payments on a monthly basis to pay off our loan early. We have never missed a payment on this loan. In our amortization schedule the payment is mostly interest and a small portion to principal. How they have been applying our payments during the XXXX calendar year and early part of XXXX do n't appear accurate or consistent. For example, we have been paying approximately {$600.00} - {$700.00} a month when the payment amount is approximately {$410.00}. Some months they were applying more of that payment to the interest than principal in other months they have applied nothing to principal or interest. If I look on their website, in XXXX it looks like I only made XXXX payments, however, when I look at my account that the payments are coming out of, I can see that I 've made XXXX. Additionally, there were months where we would get a statement from XXXX stating that we did n't have to make a payment for the upcoming month and that the additional payments would go to principal.

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 2015-11-21 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I complained to you in XXXX and was given case no. XXXX. I had a problem with Wells Fargo putting a hard hold on my deceased brother 's CD # XXXX in the amount of {$3000.00}. A Texas judge had signed a Small Estate Affidavit, leaving this money to XXXX XXXX ' XXXX siblings. The CD contained XXXX payments made to him XXXX. Wells Fargo sent me a letter after you contacted them telling me to ask XXXX to send Wells Fargo legal dept. a letter releasing the hold on the CD. I called XXXX and they said they can not do that since when the veteran died they had nothing further to do with the matter. The XXXX contact told me that only Wells Fargo could release the CD. However, Wells Fargo is refusing to honor the court order to release the money to XXXX heirs. Can you help? We are at a stalemate. Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union is reporting a line of credit/installment loan to XXXX and XXXX credit bureaus that I NEVER opened. They are reporting that I opened the account XX/XX/XXXX to XXXX and reporting to XXXX that I opened it XX/XX/XXXX. THEN they are reporting that the 1st delinquency as XX/XX/XXXX, AND that it was charged off in XX/XX/XXXX. AND they are reporting it was reviewed for 20 months on XXXX -- HOW could it have been reviewed for 20 months when they are trying to say I opened it XX/XX/XXXX yet it was charged off XX/XX/XXXX? I did NOT open this account in XXXX period. I have disputed it with the credit bureaus and I sent a certified letter to Navy Federal Credit Union which they rec 'd on XX/XX/XXXX. ( See attached ) They have since verified the account with the credit bureaus and they have not responded to my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XXXX I opened a home equity loan with wells fargo. In XXXX my wife lost her job and I was informed by the wells fargo rep he could lower my payments and talked me into a " new product '' unknown to me I was enrolled in help for homeowners (? ) and it had been listed on my credit report ( never saw this on my credit report ) I discovered what had happened in XXXXafter I was turned down for a critical business loan due to the " modification to my account ''. I immediately called to have it removed from my credit report and return to my old payment ... Due to bait and switch and bad banking practices I was sold a flawed product that front loaded me for failure as the loan went interest only but never informed me at the time my balloon payment was unchanged. I have BEGGED wells fargo dozens of times to recognize the bad math on my account only being told the product is no longer offered and can never be changed as it stands. They asked me to apply for new products and did so only to be rejected without even sending in my financials ..also I have paid 10.67 % on this loan for years despite the lowest interest available being told that a change to the interest rate could NEVER happen. I have never missed a payment, I am greatly concerned as I was threatened they will liquidate my home due to bad banking practices.

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 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We are working with Wells Fargo on a police and fire ( PFRS mortgage ). The mortgage broker, XXXX XXXX, XXXX Mortgage Consultant - XXXX ID XXXX, in charge of our mortgage process failed us miserably. She was n't returning phone calls, emails and then never sent the loan confirmation to our lawyer. In addition, she was n't communicating with her own underwriters. The underwriters could n't even contact her. She was n't returning their emails or phone calls. They could n't find documents that she apparently said she had sent. She chose not to step up and apologize but rather now has been dragging her feet even more. We have a closing date for XXXX XXXX. We are unsure now that we will be able to close. Very frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After my mortgage had been changed over to Wachovia Mortgage from XXXX XXXX, it went into foreclosure in late XXXX ( Wells Fargo was the new owner at that time ). Wells Fargo being the new owner and in XXXX, while Wachovia no longer existed Wells Fargo went ahead and foreclosed on my, XXXX XXXX # XXXX, XXXX, CA., home. 
I was under the impression that the transaction between Wachovia and Wells Fargo had made them one -- I could refer to the Wachovia foreclosure and there would be the new current owner responsiibility. However, it turned out to be like chasing a ghost -- Wachovia no longer existed therefore I had no recourse. 
I submitted claim to the National Foreclosure Settlement because Wells Fargo Morgage was part of the settlement but XXXX said I would not be eligible for compensation as they could not find that my foreclosure was recognized as part of the settlement. I decided to call XXXX in XXXX XXXX regarding the ineligibility and the representative said I have your foreclosure paperwork in front of me and it makes no reference to Wells Fargo Mortgage therefore making me ineligible for compensation. 
After that conversation with XXXX, I realized why effort to look into this foreclosure there was no response. I found it hard to believe that Wells Fargo could get away with an underhanded move and get away with it. I know that Mortgage companies can sell and banks and take over on their dealings however I think, in this case, it was deliberate to use Wachovia 's name in the foreclosure as opposed to using their own name -- in order to avoid responsibility. 
Since Wachovia, owner of my property, no longer existed at the time of foreclosure, is it an illegal foreclosure? 
Foreclosure came about after many attempts to work with Wachovia i.e., short sale, transfer of title, modification, etc. and after paying outrageous early payment fees when I had refinanced. The pick a payment plan that I had while I was with Wachovia was a set up for failure from the very beginning. I lost all of my down payment and years of trying to work out a good situation between me and Wachovia.

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 2015-08-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is charging excessive late fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At the direction of HAMP solution center at treasure department, I sent modification request to my lander on XXXX XXXX, 2015. Today is XXXX XXXX, 2015. No one has bothered to contact me regarding my request. I have tried to reach out to them and they been told that they have gotten the paperwork and someone would be in touch. Nothing ever happens. ON the other hand, i just got a letter from Trustee, XXXX, that the wells fargo has hired them to conduct foreclosure sale. This double tracking is direct violation of California homeowner 's bill of right. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
weiis Fargo continues to show me in arrears on a line of credit account by some $ XXXX which they admit is an insurance charge despite my contention that I have provided them insurance papers.This arrears listing has cost me numerous credit applications and they promise to correct it but have not/ How do I, a little old retiree stand a chance against such a monsterious corp. Thank you for any 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 2015-08-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX i 'm started the aplication for Loan Modification program trough HARP, I made the trial payments to American Servicing Company, after that I make calls to asked the status of my aplication, not answers or no status provided at that time. 
I was follow the status for my aplication weeks to weeks, until XX/XX/XXXX one agent told me the aplication was aproved but no letter or correspondence was sending to me. 
I check the public records filed in XXXX County, FL for the records of the loan modification and I check the aplication agreement was aproved and signed on XX/XX/XXXX that 's XXXX months after the initial day on the lease paragraph XXXX. 
American Servicing Company never sent me a letter of explanation about this mistake, this error was critical for my family economy, because I have to pay sometimes twice of the mortgage payments in period less that XXXX month. 
I like to revised the proper documentacion for the Loan Modification and if the correct time and procedures was following in my case. 
It 's important the lender inform to the customers of the state of the modification, because at this time the bank force me to go to foreclosure and disaster economics times at my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
After applying for a job online, I received a cashier 's check on XXXX XXXX, 2015, for the amount of {$1900.00} with an offer via text for a job position as a XXXX. The stated reason this check was sent to me was to cover errands and complete some tasks as his personal assistant. Before cashing the check, me and my husband were suspicious, so we went to Navy Federal Credit Union to verify the check was real. I was helped by one of their representatives whom I asked " when the check would be clear '' the representative responded " Within a day. You should have it by tomorrow. '' They assured me the check would be cleared by the next day, meaning within XXXX hours. 

Based on these assurances from Navy Federal, I followed further instructions from my supposed new employer to send XXXX wire transfers for {$800.00} and {$900.00} to XXXX, TX. A week later, Navy Federal removed the {$1900.00} and said that it actually takes up to 30 days for a check to clear. The check in fact did not clear after the funds had already been made available, and now my account is delinquent {$900.00}. Thankfully {$800.00} was held by XXXX XXXX and was able to be recovered. The manager repeatedly apologized saying they need to increase training of their staff to avoid this sort of " miscommunication. '' I hold Navy Federal as an accomplice to crediting a fake check under their stated position while still pursuing me for an illegitimate debt where the funds were and then were not available under my name. I have filed police reports and saved all documentation of the fraud committed upon me. Regardless, none of this would have happened had Navy Federal not misinformed me as to the status of the initial cashier 's check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Our HOA has a townhome that was abandoned by the homeowner and has been empty for several years. The HOA foreclosed on the property for non-payment of HOA dues. According to the county 's tax base, the HOA is listed as the owner and has been sending tax payment notices to the HOA for several years. On the advisement of the HOA 's lawyer, the HOA has not paid any taxes due over the years. The HOA has tried to find out who the actually owner is and has had a difficult time securing the proper documentation from the mortgage company to state the property was either foreclosed, the mortgage was forgiven, or what. The HOA wants to try to fix the place up and sell since we have not be able to recoup past HOA dues from the previous homeowner or count dues for this place for several years. Reaching out to the previous owner has been fruitless. The HOA does not want to proceed with selling only to have a bank, etc come forward and claim the townhouse after the HOA has spent money to repair the place for sell. Thus, the HOA is at a loss as to how to move forward. The county is now stating they will send the tax delinquent account to a lawyer. If that occurs, the HOA may be on the hook for lawyer fees and eventually having the pay for the past taxes without first having actually proof the HOA owns the unit.

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 2016-05-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Wells Fargo & Company XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Demand to start review I received a modification in XXXX of XXXX and made more than XXXX payments then received a letter from ASC mortgage, that they wanted me to subordinate a lien not in privity. i HAVE TRIED MANY TIMES TO SUBORDINATE BUT when i finally received the subordinate agreement ASC closed my modification. I have submitted more than 5 times requests to re-review me for a modification and had postponed on my own XXXX foreclosure sales and ASC refuses to look at my requests because of many reasons mainly now saying i received a mod and no more are being offered to me because i can not receive more than one modification. 

I also told Wells my servicer of ASC that my loan i spart of the Department of Justice or National Settlement Program ( DOJ modification program ). I asked for many times written verification of this and never have the servicer or investor responded. 

I also had written three times requesting the servicer to have the point of contact reach out to me and never has the point of contact reached me the bank never went further than a reentry team designed to stone wall me from getting my loan reviewed or put into loss mitigation status for more than a year of me trying.

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 2016-12-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent money to my brother, utilizing XXXX Surepay through my Wells Fargo account. The system utilizes the recipient 's email and is supposed to send the recipient a notification on how to get the funds into their account. I can not see the destination account. My brother says he got the email, but after following the instructions he could not retrieve the funds. The amount was {$400.00} and this was done on XX/XX/2016. Since he could not retrieve it, I asked Wells Fargo to restore the funds to my account. XXXX claimed they could not do that. So, the funds are not in my account, nor are they in my brother 's account. No one at XXXX seems to know where the funds are or how to reverse the transfer. I sent a letter to XXXX in the XXXX Mail on XX/XX/2016 and have received NO response. XXXX attached. 
How can I get these funds returned?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I WAS CONTACTED BY WELLS FARGO BANK ABOUT XXXX OR XXXX, I WAS GIVEN A CREDIT CARD WITH A {$9000.00} CREDIT LIMIT, THEY JUST GAVE IT TO ME I NEVER APPLIED BECAUSE I DID N'T THINK MY CREDIT SCORE AT THE TIME WOULD ALLOW ME TO HAVE THAT MUCH ON A CREDIT CARD LIMIT,. THEY JUST GAVE IT TO ME, AND NATURALLY THOUGHT IT WAS A GIFT FROM XXXX, I USED IT A COUPLE OF TIMES FOR CASH ADVANCEMENTS, AND TO PAY OFF SOME OTHER CREDIT CARD BALANCES, THEN ALL OF A SUDDEN THEY CONTACTED ME AND SAID DUE TO FURTHER RESEARCH THEY SLASH THE LIMIT FROM {$9000.00} BACK TO {$2500.00}?? THEIR WERE N'T ANY LATE PAYMENTS ON MY PART, THEY JUST CUT THE LIMIT BACK, THEY HAD ALREADY CHARGED ME FOR THE ACCOUNT, AND FEES CONNECTED WITH OPENING THE ACCOUNT AND CASH ADVANCEMENTS, IT DID N'T EVEN REGISTER WITH ME UNTIL I READ THE XXXX XXXX ON XXXX ABOUT WELLS FARGO GOING AFTER XXXX ( I AM XXXX YRS OLD )

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 2016-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Windham Professionals, Inc.
State: NM

Complaint narrative:
I have been contacted in writing by a company named Windham Professionals stating that I will be garnished effective XXXX XXXX for federal student loans that are either in repayment with XXXX or that I do not owe. In addition ; on researching the Company they have numerous complaints regarding their collection practices ; and are not approved by XXXX. I am unable to upload documents for this complaint ; but I can fax or mail all documents from XXXX ; and Department of Education to substaniate 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 non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
URGENT - SHERIFF SALE ON XXXX XXXXHi. I went for a loan modification with Wells, Fargo Home Mortgage and submitted all my documentation in a timely manner on XXXX XXXX, 2015. 
I was called at the end of XXXX XXXX I still have the call on my cell phone ) by Wells, Fargo and was told my loan was turned down because is was over {$720000.00}. 
XXXX XXXX knew my loan was {$900000.00} in XXXX! 
I called and spoke to XXXX XXXX. She said the loan was turned down because I did not submit profit and loss statements for my realty company. I do n't have a realty company and was never notified that she needed a document! I explained the phone call I received the day prior and she said I was grandfathered. There was some new regulation that just came out in XXXX. I tried to look this up and there is nothing on the internet. So, this is XXXX different answers to the denial. Both are not relevant. 
Then I got a letter from XXXX XXXX saying she would like to help me, but it is to late due to the sheriff sale. How can this happen? 
Yesterday, I talked to XXXX XXXX who said he is investigating the matter. 
He said he had until XXXX XXXX to investigate but would hurry it up due to the sale on Tuesday. There is a huge problem because I do n't know if he can investigate this prior to the sale. There is not enough time! Why do n't they pick up the phone and call their lawyers XXXX, XXXX and postpone the sale so they have the time to investigate this properly. I can not sleep and am down to XXXX pounds due to the XXXX and XXXX this bank has put me through. XXXX ( {$20.00} XXXX ) and have never seen such consumer fraud. 
Please help me. There are only XXXX business days left until the sheriff sale.

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