vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: OR

Complaint narrative:
I have a Direct Express XXXX XXXX Comerica Bank XXXX, my Social Security XXXX money is loaded onto this card monthly. I had fraud on my card starting on XXXX XXXX of this month and someone was able to take all of money out of my account. I reported the fraud to Direct Express as soon as I realized I had no money left in my account, my card was still in my possession, so they canceled my card and sent a new XXXX. They are telling me it could take up to 90 days for them to give me my money back. It was over XXXX XXXX dollars that was taken all of my money, I 'm XXXX and depend on this money to pay the XXXX live in Oregon and was on a mini vacation in XXXX Oregon with my XXXX year old Grandson, I was using this same card to pay for my vacation, at the time the fraud was taking place in New York XXXX, the people that used my card went to a XXXX several times and withdrew money from my account, XXXX should be able to see these people on their Surveylance cameras right? I have filled out the Fraud Questionnaire and will fax it to the Direct Express Fraud Department today, I will also mail a copy to them. I read on your website that they should put the money back into my account in at least XXXX business days after I report the fraud, they are telling me again it can take up to 90 days, are Direct Express cards treated differently? I have talked to XXXX different people in the level XXXX fraud department at Direct Express and both have told me they have 90 days to return my my money. I sure hope you can help me, XXXX is around the corner, I was planning on using some of my money for XXXX. Thank You! 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have an ongoing claim with Wells Fargo since the end of XXXX. I was told after a week that I would be contacted by Wells Fargo for the next step. 5 business days pass and nothing. I get some calls from some representatives that claims will eventually call me, but still nothing. I contact customer service and after getting jerked around for an hour, they tell me that I have to wait a total of ten business days, not five. 10 business days pass and I still have not received any calls. I would try calling again, but every time I try to call, I can never get anywhere. This is the second time I 've had to file a complaint with consumer finance in order to gain some traction on 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 explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been participating in the Short Sales Process with Wells Fargo over a year and half. 
I have submitted all paperwork requested by Wells Fargo and have lost multiple buyers due Wells Fargo stalling us and refusing to bargain in go faith. I just been informed by my realtor that they have decided to withdraw my request to sale my home in the Short Sale process and just foreclose on my property. we have sent multiple offers to them and have received nothing but request of more paperwork that was already sent 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 2015-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We have applied for HAMP at least XXXX times with Wells Fargo Home Mortgage. Each instance, they have offered us a " refinancing '' option that was impossible to agree to. We were told each time that deciding on the refinancing option would NOT impact our application for HAMP. However, each time we declined the refinancing option, we were then notified by Wells Fargo that our HAMP application was rejected because " you withdrew your request ''. This is not true. We rejected the refinancing option. NOT the HAMP application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I received a XXXX through the US Dept. of Education ( Service Provider - Fedloan. ) My first loan disbursement was on XXXX ( divided into two for XXXX semester. ) Fedloan reported to XXXX, XXXX and XXXX that I was late for 90days, from XXXX. I have disputed the late payments once before to no avail simply because I had no documentation. Luckily, the Dept. of Education directed me to " XXXX '' recently, I was able to find the status for repayment for any time period. Upon reviewing, I found documentation that clearly states I was in Forbearance at the time of the alleged late payments. Once I knew what I was looking for, I also came across notifications in my personal email from FEDLOAN, that correspond with the dates the US Dept. of Ed. provided me for repayment. I have recently entered into an income driven repayment plan with FEDLOAN and my payments start XXXX. I am grateful for the arranged monthly payment and I 'm hoping we can continue without any problems, once this is rectified. Unfortunately for me, those 3 late payments could severely affect my future. My fiance and I are buying a home at the end of XXXX and the only thing preventing us from doing so are the late payments reported by FEDLOAN. I NEED them to be removed. I was not late. I have documentation. I am really hoping I speak with someone who does n't just give me the run around. I will report and/or dispute with more entities if I 'm forced to ( i.e. XXXX, Ombudsman Group, etc ) but I know that does n't have to happen depending on who I speak with. All I need is someone who cares somewhat about customers and is willing to listen. Now that I am set up on an IDR plan ( plus I 'm more than willing to set up auto pay as a goodwill gesture ) I 'm hoping I 'll be able to remove the incorrect late payments and get on with life. I know it can be done because I have two friends who have been successful with FEDLOAN. Do n't believe the lie that they MUST keep it on there. If you make a living by working in customer service ( like I do ) then you know something can ALWAYS be done. Please email me at XXXXXXXXXXXX or call me directly at XXXX, if you have any questions or comments whatsoever. Thanks for taking the time to read this. I 'm praying that everything gets resolved and works out in both our interests. I hope you and yours have a great holiday : )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My wife and I took a financing arrangement from Wells Fargo for roughly {$5000.00} for XXXX in XX/XX/XXXX/XX/XX/XXXX. We discussed various financing options and finally my wife presumably signed up for a 12 month 0 % interest rate. However, I mistakenly assumed that we signed up for a 18 month 0 % card. I was making a monthly payment of {$200.00} above the minimum payment during the 0 % period. While reviewing my XX/XX/XXXX bill I saw an interest payment of ~ {$1500.00} on a balance of {$2800.00}. I immediately called Wells Fargo to discuss the matter and informed them that this was a genuine misunderstanding on my part, I have an excellent credit, never missed a payment and since I was just a day late, they should waive the fees. I even offered to pay the entire outstanding balance of {$2800.00} and close the account. 

Although I do accept that the misunderstanding was my mistake, I acted immediately to rectify the situation. The way that Wells Fargo representatives that I spoke with handled the situation was ridiculous and our multiple discussions have not resulted in any positive closure, but rather a hardening of stance asserting that what Wells Fargo did was moral and ethical. 

Please 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 2016-08-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
What happened and is continuing to happen is that Wells Fargo issues secured credit cards for those with no credit or those hoping to repair their credit. With this offer is often an explicit promise of " graduating '' or getting the {$300.00} minimum deposit returned and being upgraded to an unsecured credit card, often in " one year '' or less. Well it has been a year and a half and every time I call Wells Fargo to inquire about my graduation, I keep getting the run around, which initially meant XXXX of 2016, when I called them back in XXXX. I feel that this product and its many selling point are misleading and deceptive. The bank seems keen on earning interest on ALL those minimum required deposits but less willing to be transparent about when and how the graduation will take place.

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 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX XXXX XXXX, I sent a certified letter to Americas Servicing Company ( ASC ) owned by Wells Fargo Bank N/A. I requested the following information, is Wells Fargo the current investor of our note which is located within XXXX XXXX XXXX XXXX. I further requested to know what Wells Fargo role is with XXXX XXXX XXXX XXXX and does Wells Fargo know where our original note and our original deed of trust are located for the above mentioned property. On XXXX XXXX XXXX, XXXX sent us a letter stating, Acklodgement receipt of inquiry. Then, on XXXX XXXX XXXX, ASC sent us another letter stating, we were the servicer of your account. Wells Fargo is the investor of the loan and XXXX XXXX is the trustee. ASC included within the letter a copy of the Adjustable rate note dated XXXX XXXX XXXX, loan # XXXX. A couple days later, I received a call from ASC regarding this issue. I said that we refinanced this loan on XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. I sent ASC the documents to prove that there loan documents are Null and Void. I requested that ASC reflect that this account was transferred to XXXX XXXX XXXX in XXXX and Wells Fargo is not the current investor. On XXXX XXXX XXXX, ASC sent us another letter stating, our records indicate that the account number referenced loan is no longer an active account. ASC further stated, since we are not currently servicing a loan associated with your property, we are unable to provide investor, trustee or servicing information. Now, we already know who our servicer is along with our trustee. I requested to know from ASC which is owned by Wells Fargo Bank if they are the current investor. Wells Fargo may have purchased this Note/Deed of Trust recently! If Wells Fargo is the current investor, we request to have a certified copy of the original note, a certified copy of the original Deed of Trust and a certified copy of all assignments going all the way back to XXXX XXXX XXXX of when this note was sold and by whom. ASC stated that Wells Fargo is the investor and XXXX XXXX was the trustee but tried to use the old mortgage documents from XXXX reflecting ownership of our note! These documents are Null and Void since there was a new lender in XXXX, XXXX XXXX XXXX! ASC still has not answer my inquiry if Wells Fargo is our current investor of our Note/Deed of Trust. Security Exchange Commission does in fact have Wells Fargo Bank N/A listed with XXXX XXXX XXXX XXXX. Wells Fargo Bank also has assets within this securitization trust! Fraud and robo-signing has occurred in the past including within our note and possibly in XXXX loan trust XXXX. Request an investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Bank, is currently holding roughly {$2500.00} from me for about 1 year now. They told me they were holding my money because XXXX checks I deposited did not match. These checks were written and signed by my mother. My mom is willing to do whatever it takes to have this resolved as they are holding {$2500.00} from me which I could be using for college tuition. Wells Fargo then closed all my accounts with them. My dad was a joint owner on the account as to I was only XXXX at opening. Both mine and his name are black listed at this bank. 
The checks were cashed by Wells Fargo, and they were cleared by the bank they were written from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a XXXX and bought a duplex XX/XX/XXXX in the state ofGeorgia. Wells Fargo has been the mortgage holder from Day 1. Because my down payment was less that XXXX % at the time, PMI was set at $ XXXX/month. I had no problem with PMI at the time. I have consistently paid my mortgage and in a timely manner. I have even paid down my principal consistently over the last 12 years since this property has been such a cash flow machine.The property is now valued at $ XXXX- $ XXXX ( based on recent resale comps, XXXX and other valuation websites etc ) and my loan balance is now at $ XXXX. This puts my LTV ratio somewhere in the XXXX % to XXXX % range. On my mortgage statement from Wells Fargo ... ... they list my XXXX ratio at ~ XXXX % and says that PMI will be discontinued in XX/XX/XXXX when the LTV ratio according to their projection will be at XXXX % ( that 's almost 28 more months of paying PMI of $ XXXX/mth ) ). I have tried on numerous occasions to get Wells Fargo to drop the PMI of $ XXXX/monthly ... ... ( because of the increasing value of real estate across the US since the Great Recession of XX/XX/XXXX-XX/XX/XXXX ) ... .however to no avail. Wells Fargo mortgage staff ca n't seem to give me a proper explanation. THIS IS AN OUTRAGE!!!!! ... .and in light of the recent UNSCRUPULOUS practices discovered at this bank, I believe that WELLS FARGO BANK has intentionally NOT updated their customers ' real estate mortgage portfolio values to reflect increasing values in order force numerous homeowners and real estate investors to keep the paying the monthly PMI for years after their they have reached an LTV ratio of XXXX %. THIS NEEDS TO BE INVESTIGATED, SINCE I AM SURE THAT I AM NOT THE ONLY ONE ( HOMEOWER OR INVESTOR ) AFFECTED BY THIS FORCED PMI PAYMENT BY WELLS FARGO BANK. IT IS A RIP OFF AND A SCAM!!!!!!! AND IS PROBABLY WORTH BILLIONS OF $ $ $ $ $ OF PROFITS TO THIS BIG GREEDY BANK AND THEIR UNSCRUPULOUS EXECS.

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 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I 've disputed this account with all XXXX credit bureaus multiple times to no avail. Every time it comes back verified as being accurate when its inaccurate. Wells Fargo Dealer Services has re-aged this debt and listed the close date as being XX/XX/XXXX when it really should be XX/XX/XXXX. This is a blatant violation of the FDCPA and FCRA. Because of this I 'm not able to purchase a home because it appears that I recently defaulted on a loan that is really almost three years 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 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I filed for Bankruptcy protection ( chapter XXXX ) in XX/XX/XXXX during the whole process I was in contact with my mortgage company trying to get a loan modification, because I wanted to keep my house. In XX/XX/XXXX I started to make the trial payments for the loan modification. I was required to make 3 months payments on time which I have done. On XXXX XXXX, 2016 I received all the paper work for the modification. I was told by XXXX XXXX I was behind in my mortgage payments by XXXX dollars and If I wanted to be current and up to date I needed to sign the modification papers, after reviewing the agreement, I learned that they wanted to add 20 years to my mortgage. At 5.8 %. that is over XXXX dollars for a debt of XXXX. I contacted my bankruptcy lawyer and learned that the XXXX dollar rears was added to my bankruptcy and I was already paying that back. The agreement that they sent me added not only 20 years to my mortgage but also XXXX dollars to my principle? I asked XXXX XXXX what that was for and she could not tell me, she stated it was what I owed in rears but they didi n't want to go to XXXX so they did n't add everything. As a widow I really think they were hoping I would just sign the paperwork and not ask any questions. I also asked XXXX XXXX how they came up with adding 20 years for a XXXX debt and she claimed she messaged the underwriter and would get back to me as soon as she heard from them. I called twice today and left messages but have not heard anything.

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 2015-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been asking Wells Fargo Home Mortgage to provide me with information about my loan status and what I need to get current ( not counting my Bankruptcy protection amount ), but they can not seem to provide accurate information. I am in Chapter XXXX Bankruptcy so I have protection and I have been making my payments to the Trustee, yet Wells Fargo is threatening to foreclose on me. I do have some late payments to them after my Bankruptcy, partially because they do n't allow online payments XXXX making it even more difficult for me to manage my account when they should make it even easier ) and I have to mail them a check every month. Every time I ask them to provide me with what I owe them, they include the amount I have in bankruptcy protection, which is accounted for separately. I can not access accurate information about my loan online and have to talk to XXXX of their so called " experts '' in the bankruptcy department, who can never accurately answer my question. All I need is a printout of my loan information and how my payments have been applied. I also want to know how they are applying my Chapter XXXX Trustee payments. Futhermore, I tried to apply for the so called XXXX modification plan and they did their best to make sure I did not qualify. They said I had too much debt. The whole point of the modification is that I need help to make my payments, and reducing my mortgage payment would help, which is what the plan was created for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have had XXXX modification with no help. Never received any considetationin lowing my payments. I following all guildlines required under the HAMP. Also, I went through the three months programs in a timely manner. My issued beingthey never decreased my interest rate to help me with my payment. The 31 % guildline make it imposible to obtain. No flexiable consideration offer above of be-low this percentage consider. Never given the consideration due to the basicincrease in Taxes, Hm Ins. Food and transportion. I feel they are discrimationinvolve and dont want us to modify due to my race. We only want to make a reasonable payment. On limited income soc sec.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo provide a brand new full documented loan over the telephone ( XXXX v. Wells Fargo, XXXX ) we requested a modification to our existing mortgage with Wells Fargo we believe they colluded and coursed us into a full loan which removed us from qualifying for a Government HAMP loan as the date is now outside of the guideline for approval. Question is why did Wells Fargo not provide us what we asked, a simple modification. Wells Fargo not only requested but demanded over the phone we sign the new fully documented loan or there as nothing they could to help us. This eventually forced us into bankruptcy, we tried desperiately to communicate with Wells Fargo, and they ignored us, and eventually sold our loan to XXXX, who foreclosed on our home. We are currently making probationary payments to keep our home. Wells Fargo never told us they were selling our loan to XXXX until it was too late. We need HAMP assistance! Our principle balance should revert to XXXX due to our bankruptcy, and we should be able to get a 2-3 % interest rate. XXXX provide their solution which is NOT a solution at all, in fact we believe they are taking advantage of the situation. We can provide more information to you via PDF file. I spell out our situation pretty clear in my previous presentment to all parties involved.

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