vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My husband has been sick, We were in and out the hospital since XX/XX/2016. He passed away on XX/XX/2016. I am trying to deal with all money being cut off and then restated. I informed Wells Fargo of the problems I am having and that it would take some time to straighten it out. I have faxed the death Certificate twice to them.Our mortgage company WELLS FARGO is calling every 15 minutes. Today the lady informed me that they are foreclosing on the house. I consider this harassment after i have followed what they told me to begin with. I called them they informed me they needed Death Certificate Faxed to them

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 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
As part of a divorce settlement, I signed a Special Warranty Deed, drawn up by my attorney. According to the State of Texas, I am no longer an owner of this property and not responsible for making payments. My ex-husband does not show enough income to re-finance the home in his name only, so my name is still on the mortgage documents with Wells Fargo. In XX/XX/XXXX and XX/XX/XXXX, the payments were made more than 30 days late. This is now reflected on my XXXX credit score. My score dropped for the high XXXX 's to XXXX due to the late payments and will remain so for seven years or longer. Due to the low credit score, I am unable to get a loan for anything, have been turned down when applying for an apartment lease, would not come close to qualifying for a loan for a home for myself and my XXXX children, and could be harmed when seeking new employment. I have, in essence, been held responsible for a debt I no longer owe according the the laws in Texas. I contacted the XXXX credit bureaus to dispute the derogatory comments on my reports.While they did not remove the items, it is listed as " disputed '' on each negative item. On XX/XX/XXXX I contacted Wells Fargo bank to explain the situation. While I am not expecting them to remove my name from the mortgage, I do expect them to report to the credit bureaus that I have made a formal complaint and remove the derogatory comments. Their reply was that they could not do anything help me. Their advice was to contact my attorney and force the sale of the home. I do not have the {$7500.00} deposit required to hire yet another attorney to force the sale of the home. The mortgage still has 15 years remaining until paid in full. This means that for the next 22 years my credit could reflect a negative comment every time the mortgage payment is not made on time. I am being punished for the bad acts of another with no chance of relief without spending thousands of dollars I do not have.

Company public response: Company 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 — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
At the end of a lease from an apt . when my son was in college, balance was suppose to be paid by all tenants. I paid my sons part and XXXX other other men paid their part but XXXX of the boys did not pay his part and it is showing up on our credit because the lease was signed by all XXXX guys. The guy refused to pay the difference and it has been sitting as a bad debt on my credit even though the collection agency agrees that they show that it is owed by the XXXX party but they want me to pay his debt to clear my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Mortgage has delayed closing on the sale of property and will not tell the closing attorney or the buying/selling agents what is necessary and needed to complete the file. We continually supply documentation, same documents multiple times and can get to straight answer as to when we will be complete. This has been approx 60 days in the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In late 2014 we listed our home for shot sale, for our medical and financial situation. Through our agent, we contacted Well Fargo HELOC and spoke with XXXX XXXX XXXX concerning the XXXX mortgage. First, for nearly XXXX months we provided XXXX XXXX with everything he asked for ; such as, XXXX, contract sale, and payoff amount from the XXXX mortgage, and he never gave us an answer until XXXX days before the house goes up for foreclosure. Second his lack of communication made the situation very stressful for us, and he became an iron steel gate that stop any progress from going forward. Third XXXX XXXX received copies of the foreclosure notice, and all the information that he requested from the buyer. Finally, his delayed causes major financial hardship, and XXXX for both us because one of us is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a call from XXXX informing me that they were attempting to produce paper work on me concerning a court order for a debt from a XX/XX/XXXX Bank Account that I had previously with Wachovia Bank, NA. This account was closed and I have a current account which lists me as a member since XX/XX/XXXX with Wells Fargo Bank NA. The woman whom I spoke with stated that she represented XXXX XXXX XXXX in California and that they would be processing the paper work to serve me either later today or tomorrow at work in XXXX, FL. The old debt was charged off by Wachovia, even before I left Georgia. She threatened that the judge would determine what I would have to pay and said that the balance was now {$2100.00} including court and legal fees. When I closed the old account is was due to a {$400.00} unpaid balance ... .certainly not over {$2000.00} I am appalled that someone would use these tactics to scare people into paying them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a counterfeit check as a deposit for a job I was supposed to do the weekend of XXXX XXXX. I deposited the check on Saturday, XXXX XXXX and it cleared and was posted to my account Monday, XXXX XXXX. On Tuesday, the funds were there, so I withdrew {$2800.00} to pay someone else working on the same production and deposited into another account at the same bank. There was no sign of a problem until after the close of business that evening, around XXXX XXXX, when I happened to look at my bank account and saw that it was - {$2300.00}. Confused and shocked, I called Wells Fargo to figure out what was going on and after speaking with XXXX people I finally found out that the check was counterfeit. They told me that I was responsible for the transaction that I had made while the check was posted and that there was no other option besides just paying the money back. I obviously would n't have made the transaction if I had known it was a counterfeit check and I was being scammed, but they did n't care at all about that. I called the police and filed a report. The next morning, I called the branch where I had made the transaction, explained the situation, including that I still had the deposit receipt and essentially begging them to do anything to help my retrieve my money and get my bank account positive again. They, too, said there was nothing they could do, but I could call Loss Prevention and they might have mercy on me. They did n't. I have now spoken with XXXX or XXXX people at Wells Fargo and no one is willing to so much as inquire into the other party 's account to see that he is a criminal. I feel very wronged, not only by the scammers, but by Wells Fargo for not caring that I have been stolen from and lied to and that the person doing it is a customer of theirs. As it stands, they have used the {$550.00} I had in that account toward the negative balance of {$2800.00} so I now owe the bank {$2300.00} ( part of which is money I worked hard to earn ) for a counterfeit check that was given to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I lost my job back on XXXX XXXX, 2015 and then on XXXX XXXX my wife and I had a baby. Knowing that we are in serious financial trouble I called one of my credit card holders, Wells Fargo, who holds my XXXX XXXX Credit Card ( Account : XXXX ) and tried to set up some type of plan to continue paying on my account, but with a lesser payment amount. I spoke to the CSR who was willing to try to help me, she kept going back and forth between her supervisor and I and eventually came back and said there is nothing she could do. I asked to speak to her supervisor and she transferred me. I then spoke with XXXX of collections and explained my financial hardship to him and he said there was nothing he could do. I just find it very upsetting that we are trying to do the right thing and make payment arrangements and they are unwilling to accept anything from us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I was forced out of my job last XX/XX/XXXX. I applied for financial help after I found out my husband decided not to make the house payments. We were separated at the time. I had no income and was unemployed. I was approved up through XX/XX/XXXX. I reapplied in order to get an arrangement as I am now employed and want to keep my house. My husbamd and I have reconciled and now have more income to add in. While working with Wells Fargo on applying for additional payments, I received a letter stating i needed to pay over {$11000.00} by XXXX or I would go into foreclosure. If I am working with them on trying to make arrangements, I thought they were not supposed to be sending out letters like this. Also, I was trying to communicate with the employee who was supposed to be working with me on this. I called him on several occasions and left messages for him yet he never called me back to discuss any of my options. I am trying to do everything I can to pay them to keep my house but they wo n't work with me in any way and wo n't accept my money. I am at a loss on what to do, Wells Fargo wo n't even try to give me a chance now when all I want is to work with them.

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 2016-10-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We applied for a loan in XXXX XXXX, Colorado XX/XX/2016 and Wells Fargo collected {$1000.00} by credit card for them to do an appraisal on the property. After a couple of weeks of loan review, Well Fargo underwriters would not approve the loan. Since the appraisal had not been done we were told that our {$1000.00} would be refunded. They said that it might take up to 60 days which I thought was an inappropriate use of our money and questioned the long wait time. Wells Fargo charged our credit card immediately but when it comes to a refund they do not move as fast. 
This event took place on XX/XX/2016. It has been 67 days and no sign of a refund. I question this practice on the part of Wells Fargo Bank and feel that it should stopped. Any action that can be taken to help us retrieve our funds will be appreciated.

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 2015-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My lender, Wells Fargo, has ignored my RESPA qualified written request. The request was sent to them on XXXX XXXX, 2015. Thus far they have not acknowledged nor responded to it. Under the real estate settlement procedures act, they are to acknowledge receipt of such request within 10 days and provide a response within 20 days. I have called and asked several time for a response and have not gotten anywhere. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I recently received a statement from Wells Fargo, the mortgage holder for my home mortgage, increasing my monthly mortgage payment by {$71.00} per month. ( This is for a fixed-rate mortgage, not an adjustable-rate one. ) Wells Fargo has done this before, and when I called them regarding this issue, they told me that it was to cover the increase in my local property tax, which they pay, as it is included in my mortgage payment. However, I checked with my local town assessor 's office, and they told me that that although the property tax had increased slightly from the previous year, it was nowhere near the increased yearly amount Wells Fargo was demanding per month. I did call the assessor 's office this morning, and they told me that the tax for fiscal year XX/XX/XXXX had increased slightly from XX/XX/XXXX but nowhere near the total of the monthly increases for the year, and that the rate for XXXX will not be determined for another two months. I suspect that Wells Fargo is increasing the payment for all of their mortgagees to cover the costs of the fines imposed on them as a result of the recent scandal involving fraudulent accounts created without the knowledge or consent of their customers. I want to know whether it 's legal for Wells Fargo to transfer the financial burden it has suffered as a result of their malfeasance to their unsuspecting mortagees, and if it is not, what action I can take to remove the unwarranted increase in my monthly mortgage payment. 
I would appreciate a prompt reply to my inquiry, as my mortgage payment is due XX/XX/XXXX. 
Thank you.

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 2016-09-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
RE : INVOICE Notice The Credit Card Financing. 
7.9 % APR for XXXX Custom Payments TERMS. This transaction is under your Credit Card Agreement with Wells Fargo Financial National Bank ( " the Bank '' ). 


Breach Of contract 1. I looked at my contract with XXXX 's XXXX Company and they charged me for a new down flow unit I never got, but will have to pay for. 
2. Thermostat : They used my old wiring and charged for new. 
3. He said he was sending out a year supply of air filters ( XXXX ) 4. He said that they would mail us all the manuals for the equipment. 

XXXX 's XXXX XXXX has never done any of the above. They did make a {$300.00} payment to to off set the price so it would be comparable for a smaller XXXX unit. 
My husband contacted Wells Fargo to stop payment until all the problems were fixed, Wells Fargo told him he would have to take that up with XXXX 's XXXX XXXX. 
Now on our Wells Fargo bills we get charged {$31.00} interest charges every month on purchases. We are setup to have 7.9 % APR with XXXX custom payments, but have n't been shown what the payment will be. 
On our bill it changes every month on the APR and payments and charges for on purchases {$31.00} interest. What our we buying to get charged for? 
And why do n't we have our payments of XXXX custom at 7.9 % APR setup? 
And why is this not setup on our monthly bill. At this rate it will never be paid off. What is Wells Fargo doing? 
XXXX and 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 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
ALWAY UNAUTHORIZED TRANSACTION AND BEING ALLOW TO WITHDRAW FROM MY ACCOUNT AND CREDIT BEING APPLY TO CLOSE AND FRAUD ACCOUNTS AND STATE THE NAVY FEDERAL CREDIT UNION POLICY AND PROCEDURE STATES THAT ALL CREDITS SHOULD BE APPLY BACK INTO THE FRAUD THAT CLOSE AND THE MAKE CHANGES TO MY ACCOUNT WITHOUT NOTIFICATION AND MY ACCOUNT IS OVERDRAWN LEAVING RESPONSIBLE TO NEGATIVE AMOUNT. PLEASE SEE BELOW THE ACCOUNT TRANSACTION AND INVESTIGATE THE ALL PRODUCTS AND SERVICESXXXX : XXXXLast signed on XXXX/XXXX/2015 My Settings Mobile Help CalculatorAccount SummaryTransferseDepositsBill PaySpendingAccount ServicesEveryDay Checking - XXXXPrintEDIT ACCOUNTSAvailable Balance $ XXXXCurrent Balance - $ XXXXLast Statement BalanceEnding XXXX/XXXX/2015 | Suppress Paper Statements - $ XXXXAdditional Account Information Scheduled TransactionsDate Description AmountThere are no transactions to display. 
Transaction History Download TransactionsAllSelect RangeDate Description Check # Type Amount BalancePending Transfer To Other Debit - {$120.00} $ XXXXPending Adjustment Credit {$530.00} $ XXXXXX/XX/2015 Adjustment - Cr Credit {$60.00} - $ XXXXXX/XX/2015 Adjustment - Cr Credit {$29.00} - $ XXXXXX/XX/2015 Insufficient Funds Debit - {$29.00} - $ XXXXXX/XX/2015 POS Adjustment - XXXX XXXX XXXX CT Credit {$19.00} - XXXX XXXXXX/XX/2015 Dividend Credit {$0.00} - $ XXXXXX/XX/2015 Overdraft Protection Fee Debit - {$60.00} - $ XXXXXX/XX/XXXX ACH Transaction - PUBLIC SERVICE XXXX ACH Debit - {$150.00} - $ XXXXXX/XX/2015 POS Debit - XXXX Check Card XXXX XXXX XXXX*NEW BALANCE XXXX XXXX XXXX - {$140.00} - $ XXXXXX/XX/2015 XXXX XXXX - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX - {$35.00} - $ XXXXXX/XX/2015 ACH Transaction - XXXX XXXX ACH Debit - {$530.00} - {$92.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
When depositing a pay check through Wells Fargo mobile app, the deposit has always been available immediately. When using the service today, I get an email after the fact stating that the funds were not going to be available until tomorrow - leaving me with an overdraft on my account, and NO money for groceries today. I tried calling Wells Fargo at their helpline ( XXXX ) to ask if it could be reversed so that I could take the check to the bank and cash it there. They said that that was impossible. It should also be noted that my paycheck is also issued from a Wells Fargo account. When I talked to them - they said that in the terms and conditions ( many pages of fine print ) they state that some times they require overnight processing. I find this ridiculous since it is from Wells Fargo to Wells Fargo. I had been given that warning in the App, I would have walked to the bank and cashed it there and I would have had cash in hand. The check was for {$2500.00} - which is within the limits permitted in the App. I have confirmed with my employer that the funds went out of their account immediately - so this is simply a ploy by Wells Fargo to earn interest on my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased a vehicle from Wells Fargo in XXXX. My payments were 74 months which my car would had been paid off in XXXX. Wells Fargo state my last payment was received in XXXX. Wells Fargo states there was a balance of XXXX, but never received letter and this is now XXXX and I still have the car in my possession. Wells Fargo sold the account to XXXX XXXX, then to XXXX, and now XXXX claim they purchased the account in XXXX. I never received any mail and thought my car was paid off until XXXX someone hit my car and insurance still listed Wells Fargo as the lien holder. I called Wells Fargo and the lady was like you still owe XXXX and something, I ca n't remember the correct amount. I sent the check of XXXX from the insurance and XXXX in XXXX. Never received my title. I have a car that I do not need for some years and want to get rid of it. I called Wells Fargo for title and they said to call the people who the account was sold to. Called all the places listed in statement. Superlative wanted me to pay XXXX and I asked what happened to the money sent and told the guy XXXX, I have the receipts and need my title. Keep in mind this is not on my credit report never received mail from these people but yet they have my title. This vehicle is a XXXX in my possession and I told the guy if I still owed on this car why Wells Fargo never repossessed the car back in XXXX.I finally called XXXX back and told the guy I am seeking an attorney then he said yes a check was received in XXXX and I asked why it was not deducted from the amount owed. Keep in mind I am getting different amounts. The gentlemen at XXXX now want to investigate, but he hung up on me just as the other guy at XXXX did when I started asking about the money sent in XXXX. I am tired and just want my title because this is longer than 7 years and I need my title. They keep selling the account and no one is checking into nothing. Please help! I hope other people are not getting ripped 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