vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Unemployed XXXX/XXXX/15. Contacted Wells Fargo. Worked with XXXX XXXX and started a program for modification while unemployed. XXXX was promoted. XXXX XXXX was assigned as my " contact '' as my Home Preservation Specialist. Late XXXX I received a packet that I filled out with XXXX, dated XXXX, and to be completed by early XXXX. I called and XXXX said it was to continue beyond XXXX XXXX. Told to hang on to it and send it in later. But I need to follow written instructions when dealing with a mortgage. Early XXXX, XXXX voicemail said out but never changed for over two weeks. I left XXXX urgent messages, but no one followed up. I was put in contact with her supervisor XXXX XXXX. She said XXXX had been there every day and not sure why no update to voicemail since XXXX XXXX and no return calls. She scheduled a call. XXXX called at scheduled time. Told me that the XXXX packet was now outdated and I had to fill it out AGAIN!. I did and emailed it to her. A week later, XXXX calls XXXX minutes after the scheduled time ( I thought she had forgotten ) telling me she has XXXX pay stub ( yet both are on the same email ) and nothing else, clearly a lie. The emails from XXXX states she never received any documents. I emailed AGAIN ( forwarding the prior weeks emails ) and cc 'd her supv. Suddenly XXXX acknowledges and then a list of new requirements. I complied and emailed back. I have had no further communication from my " contact '' or her supervisor after several messages have been left and emails requesting follow up. I received a call from a XXXX XXXX to call XXXX XXXX. I have left several messages, and no return calls. Yesterday I was returning from an interview in XXXX ( a XXXX XXXX XXXX through mountains and long terrain ), I told " XXXX '' ( no last name??? ) that I could n't talk when driving XXXX. Please send me an email so I have his name and phone number contact and I would call him tomorrow. Still no email. I have no idea who XXXX is or how to contact him. The communication is absent and the follow through is severely lacking. I need XXXX person who understands how to call back, change their voicemail, check their email for necessary documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am a real estate working on a short sale for an XXXX borrower who is currently in a XXXX. I began working on a short sale XX/XX/2016 with Wells Fargo. Throughout the entire process, Wells Fargo has failed to communicate. They have made the process as difficult as possible. For example, it took over a month to get an authorization letter approved because they would n't accept the borrower 's power of attorney from her daughters. She is unable to make financial decisions and care of herself ( hence why she 's in a XXXX ), but Wells Fargo insisted I obtain an authorization letter signed by her. In the mean time, we wasted over a month. Then the file was closed out without anyone being notified even after I repeatedly called and emailed my negotiator. A foreclosure sale date letter was mailed to the home which is vacant ( again, the owner is in a XXXX ). And so neither myself or the owner 's children were notified properly. As it now stands, we have a solid cash buyer with at a fair market value price. There is no reason this short sale should n't be approved ASAP.

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 2017-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have filed this complaint before and received a robots response of " The banks right to approve or deny a transaction even if there are no funds in the account. '' Paraphrased of course. Or the common term " Banks Discretion. '' Well last time I filed here I got a call from them and the rep upset me more. I let it go and went to the BBB. I got a letters response basically telling me that its in the " Fine Print '' or account disclosures. Which I responded with the single question of " WHAT CHANGED ON THE ACCOUNT BETWEEN LAST YEAR AND THIS YEAR AS TO WHY ITS THE " BANKS DISCRETION '' TO APPROVE OR DENY PAYMENT ON CHARGES THAT WOULD TAKE MY ACCOUNT OVER MY BALANCE? '' Copied verbatim from the BBB complaint. Thats the Question that has been skated around with a response of 'The Banks discretion '' and " The right to approve or deny .... '' Which does not really answer the question. I have about 3 emails since XXXX of 2015 saying that the payment method has been declined but will try again in a couple days or to change my credit card number. Basically the bank denied these charges 3 or more times previously, so i want to know why now all a sudden they allow them to be approved, as with more than a year ago they were declined? WHAT CHANGED ... ..? I would like research to be done as to WHAT CHANGED ... XXXX And the response of " Banks Discretion '' and " the right to approve or deny '' will not fly with me cause if it was your right not to pay it before even tho it was a recurring charge then as it is now, why change that right and pay it causing me to be over drafted? The last bank I was with didnt do that to me, why is it this bank is doing that to me? I understand I wasnt charged an NSF fee, thank you. But I would like to avoid all kinds of fees all together. And stopping recurring payments can not be done cause of these are subscription services and the only way to have them is to have it set up with a card. Its ok if they get denied. Ive seen they give about 2 weeks for the payment to go thru, which is enough time for it to go thru.

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 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a trustee for my friend 's son. He decided to move XXXX miles away. I went to Wells Fargo bank ( XXXX XXXX, NJ branch ) where I deposited {$500.00} cash and a check for {$1500.00} into his account on XXXX/XXXX/2017. The receipt documented the cash would be available on the same day and the {$1500.00} from the check would be available on XXXX/XXXX/2017. About 3 hours later he got to the airport and his debit card was declined. He called Wells Fargo and they claimed there was a computer outage across the XXXX XXXX and they were working on it. About an hour later the {$500.00} became available. He called the bank after the XXXX/XXXX/2017 date on XXXX different days because the {$1500.00} did not clear. He was told the Trust Account was holding up the approval of the funds. I contacted the Trust account on XXXX/XXXX/2017 and was told the {$1500.00} was cleared on XXXX/XXXX/2017. I then called the main Wells Fargo number on XXXX/XXXX/2017 and asked why the deposit was being held up. I was told a second hold was placed on the check on XXXX/XXXX/2017 and it would not be released until XXXX/XXXX/2017. They would not provide an honest answer as to why the funds were held up AFTER already being released by the Trust account. Meanwhile my friend 's son had no money for food, to secure housing, for hotels etc. I asked to speak with a manager or someone who could assist me and they refused and said no one can help me to release the funds sooner and it would have to wait until XXXX/XXXX/2017 when the hold would expire.

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 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo has consistently been posting my mortgage payments incorrectly. I keep my mortgage paid ahead and every month they apply my monthly payment to the principal. I pay extra towards the principal separately. I had been paying XXXX a month extra and last month started paying XXXX a month Every month I have to call them to update my payments correctly. The last phone call was this morning and nothing has been updated on their end. My next mortgage payment is not due until XXXX and according to their website. It is showing the last payment being received on XXXX/XXXX/15. I understand that the payment I made today wo n't post for a few days. I am frustrated with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This is an account I have no knowledge of opening and belongs to someone else with same name. I am not aware of any balances that I owe with that company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo does not show the customer the statement balance owed without interest on their main online user interface.

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 2016-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Hi iam disgusted companys are offering help to people in forclosure but they have to own less than 50 % equity in there property? CFPB & lt ; that rings alarm bells for me, That is admitting that you have no chance of keeping your home, because the banks will retail through a third party i am fully aware of this situation haveing bee a victim of fradulent forclosure and perjury i owned over 50 % equity in my home that wells fargo / wachovia / XXXX stole numerouse court compensation orders to pay? but guess what no compensation recieved you are skaming the consumer in the usa wells fargo are crooks and you let them trade to ripp off more people and houses i request to have my numerouse cases investigates by whom the cfpb have to comply to the state senate you have stalled thhis proceedure and you are lieable for neglegence because you have not prosecuted i demand a senior member to contact me over this fraudulent activity by you and wells fargo bank i have just sent my full complaint history to the XXXX foriegn secretary acusing wells fargo bank of fraud, perjury, committed in american court of law, i have been treated unequal to american consumer i request this information by return iam send all correspondance involved in the case no missed paymants FRAUD committed

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 2015-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I started seeking a loan modification at the begining of 2013. I have submitted all the documents requested for modification. Every time there are excuses from my servicer for incomplete documentation. Recently, I submitted all the documents they had asked and someone called to inform me that I do n't qualify because I have $ 300+ remaining after all expenses. I got divorced few years ago and I have XXXX XXXX I am taking care of. I do n't want to loose my house to foreclosure and I need assistance from CFPB to help get loan modification so that I can remain in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My husband passed away in XXXX, a week later I notified the Mortgage Company ( Wells Fargo ) I was able to make my payments up to XXXX 2015. I called them to start a loan modification. I jumped thru hoops for them, sending every paper they wanted. The last I heard from my loan preservation agent XXXX XXXX everything was a go to submit all the paperwork to his manager that was XXXX XXXX. Today, XXXX XXXX I receive an email from a different person saying they need forms they already have, about XXXX of them. The new loan preservation guy said some of the pages were minimized and he can not use them. I do n't understand why they are giving me the runaround. For 18+ years we were never late on our mortgage. Please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a follow up to Case number : XXXX. 
Wells Fargo Bank gave me a response through your agency. However, they were being deceitful ( as explained in my response to their response ). They were being deceitful to you in regards to the actions that my father and I took, namely call the number they gave us to give authorization for the case to proceed. The case is not closed and now that they have the verbal authorization from my father on their audio recording, they are still holding on to the {$600.00} in fees they took from my parents. I have also sent XXXX XXXX of Wells Fargo a hard copy by U.S. Mail informing him/her of the audio recording authorization and they have refused to refund the fees.

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 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
ASC/Wells Fargo, kept part of my escrow monies, when it sold or transfer my mortgage to XXXX. The new lender wants to increase my monthly payment, because it claims that I do have a escrow shortage.

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 2015-05-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has not met the investor requirements on maintaining a foreclosed property. For the address, XXXX XXXX XXXX, XXXX XXXX, PA XXXX ; Wells Fargo has been informed numerous times that the XXXX acre property was not being mowed. The result is that the grass is often XXXX-XXXX ft high, fox and deer run wild, snakes are present, and XXXX XXXX is a constant threat.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo dealer services calls me at least 8 to 10 times a day, I am not 30days late on a payment, in actuality I only owe them XXXX. They continuous ring my phone at all hours of the day including before XXXX. They are also calling 3 or 4 times when I am working.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
I went up there to look at a XXXX with my nephew. He is in the XXXX XXXX and I did n't want him XXXX over by dealerships around his XXXX. Without any credit yet they said he needed a co-signer in order to get it. I repeatedly asked the salesperson, XXXX, if I co-signed would it show up on my credit due to me planning on buying a car this week. She repeatedly said it would n't unless I took over the loan. I agreed to co-sign. I asked the finance person repeatedly the same thing. She also said it would n't show on my credit report. Went to buy my car today and was turned down due to already having a car loan. Went back to dealership and the finance person denied that I even asked even though I have XXXX witnesses that were in there. These people will lie to anyone in order to make a deal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA
State: OH

Complaint narrative:
THIS IS ANOTHER STUDENT LOAN ACCOUNT THAT I HAVE DISPUTED WITH THE CREDIT BUREAUS AS BEING INACCURATE. I CONTACTED THIS COMPANY REQUESTING VALIDATION OF THE ACCOUNT, THE DEBT AND THE NEGATIVE INFORMATION THEY HAVE REPORTED ON MY FILE. I NEVER RECEIVED A RESPONSE FROM THE COMPANY AS TO WHY THEY ARE CONTINUOUSLY REPORTING NEGATIVE INFORMATION. THEY ARE REPORTING MY ACCOUNTS AS IN BANKRUPTCY WHEN IN FACT THESE ACCOUNTS ARE NOT IN BANKRUPTCY, THEY ARE CONSOLIDATED WITH ANOTHER LENDER AND ARE CURRENT. BY LAW THIS COMPANY IS SUPPOSED TO RESPOND TO MY REQUEST TO VALIDATE THIER CLAIM REGARDING THIS ACCOUNT AS WELL AS PROVIDE ME WITH AN OPPORTUNITY TO DISPUTE THE NEGATIVE ACCOUNT. I WOULD ALSO LIKE TO KNOW WHAT COMPETENT EVIDENCE THEY ARE PROVIDING TO THE CREDIT BUREAUS WHEN I DISPUTED THIER ACCOUNT AND THE NEGATIVE INFORMATION THEY ARE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: AZ

Complaint narrative:
AES loan terms have gotten to the point of being unreasonable. Even though I have expressed trouble making the payments, they have not attempted to work with me to pay them reasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
MY BALANCES FROM MY STUDENT LOANS ARE BEING REPORTED ON ALL MY CREDIT REPORTS WITH A HIGH BALANCE BUT MY CURRENT PAYMENT IS XXXX DOLLARS, BASED OFF THE INCOME DRIVEN PAYMENT PLAN. BANKS KEEP QUESTIONING ME ABOUT THIS AND IT IS MAKING IT MORE DIFFICULT FOR ME TO GET A LOAN BECAUSE OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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: CA

Complaint narrative:
Earlier this year my husband and I refinanced our townhouse and opted for a cash out. XXXX XXXX XXXX XXXX mailed FedLoan Servicing XXXX checks dated XXXX/XXXX/2016 - XXXX for {$930.00}, the other for {$9500.00}. I logged into my account on XXXX/XXXX/2016 to check the status of the checks and saw that XXXX checks had been posted to my account as of XXXX/XXXX/2016, but that there was a remaining balance owed of {$17.00}, which I paid online and saw I had a {$0.00} balance. I logged in again on XXXX XXXX, 2016 ( the beginning of the new billing cycle ) to see if there was any further amount due, and my account was still at {$0.00}. This past Monday ( XXXX/XXXX/2016 ), I received an email saying I had a past due amount. I called the XXXX number and was told that the bank had sent a stop payment request for the check in the amount of {$9500.00} on XXXX/XXXX/2016 and that the money had been reversed from my account and the check returned to them ( 15 days after I made my last payment on XXXX/XXXX/2016 ). I logged into my account again, and saw the Paperless Inbox. I opened it and saw that there was a letter posted on XXXX/XXXX/2016, saying that there was an error with the payment, it had been reversed and the check returned to the bank. I was NOT previously notified about this letter, and there was nothing to indicate that I had unread documents in the Paperless Inbox. Our title company said that they had not received the check from FedLoan Servicing and requested a stop payment on the check effective XXXX/XXXX/2016. They confirmed that the bank had NOT issued a stop payment request on this check prior to this date. They are issuing a new check in the amount of {$9500.00} and will mail ASAP. Because of this, as of today ( XXXX/XXXX/2016 ) my account has accrued {$340.00} ( compounded daily ) in interest charges. In order to have this interest waived and/or disputed, I was referred by a FedLoan supervisor to the US Dept. of Education. She told me that she would be sending me something in writing for my records, and would send my case to the financial group for review. I 'm not sure if this has happened. I have contacted the US Dept. of Education, the Federal Student Aid Department, and the FSA Ombudsman Office to file a dispute with them ( which I have done ). I was told by someone at the Ombudsman Office that the FedLoan Paperless Inbox has been an issue for other consumers as well. I 'm still in the process of having this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
My account has been paid off since XX/XX/XXXX, Midland is giving the runaround concerning my escrow surplus which is XXXX or so, I have contacted them 6 times, on my transaction history says my refund was sent XX/XX/XXXX, the last time I contacted them they told me my refund was going to be sent XX/XX/XXXX, I think they are trying to keep it as long as possible, I will be waiting for a response. 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