vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a checking account with Wells Fargo. Yesterday, the bank authorized my auto insurance agency to withdraw funds from my account and bring my account into overdraft. I do not have Wells Fargo overdraft protection, therefore the transaction should have been denied. Instead, despite me opting out of overdraft protection, Wells Fargo authorized the transaction and covered my overdraft resulting in a {$35.00} service fee that once again brought my account into overdraft. In order to remedy the overdraft, I had my boyfriend transfer funds into my account covering the overdraft balance so I would not be charged any additional fees. We did the transfer the same day at around XXXX PST on a business day so there is no reason for the bank to charge my fee. Today, I woke up with a {$35.00} service fee for entering overdraft. The bank completely ignored my opt out just to take advantage of me and make a quick buck off of my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
A debt collection company ( Budget Control Services , Inc ) continues to harass me and try to collect on a debt that is in dispute with my daughter 's dentist involving issues with our insurance company. 

I sent a cease communications letter via certified mail return receipt, that explained that their charges were in error and that I choose not to work with a third party collection agency. 

Today, I found out that BC Services placed derogatory & false information on my credit report and have continued collection efforts to include phone calls. 

I have copies of the cease communications letter they received, and certified mail receipt if needed. It was signed by " XXXX XXXX '' at their corporate office on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , CO XXXX on XXXX XXXX, 2017 ; 7 days after I received their threatening letter. 

I suffer from numerous ailments that are aggravated by XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, to name a few ). I just want this harassment to stop! 

Please feel free to contact me for additional information. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
With all the offers of 0 % for a limited time, not all banks put the expiration date of the offer on their statements. This has already cost me {$100.00} in interest charges on one credit card because I was n't aware that the offer was expiring and was given the wrong month of expiration when I called. There have got to be many more people who are losing money to banks this way. The consumer should be warned when the offer is expiring to give them a chance to pay the balance in full.

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 2016-12-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XXXX of this year I applied for a student loan consolidation with Wells Fargo to get a lower interest rate. My current loans were already with this bank, I had a good credit score and a cosigner so I figured it would n't be a difficult process. I was wrong. They offered an extremely high interest rate and could not give me an explanation as to why. After filing a complaint with the CFPB, they finally agreed to give me a 1 % discount on the consolidation. However, months later I realized that this is still not affordable for me. These past few months I have depleted my savings trying to pay these student loans and my other federal student loans. I asked for a temporary forbearance and was told the consolidation loan had to be at least 9 months old before I could be granted a forbearance. I then asked what my options were, because I am trying to avoid defaulting on my loans. The customer service rep encouraged me to apply for a loan modification instead, and if my loans were deemed un-affordable they would lower my monthly payment. I was told that upon reviewing my credit that my loans were actually affordable. This is not my reality and now I am forced to pay less than the minimum amount required because I can not afford to continue the payments I had been making. I do not want to default on these loans, but my servicer is not providing me with any other options at this time.

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 — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In response to an earlier answer from Wells Fargo. Wells Fargo used dual tracking a clear violation of regulation Z and CFPB servicing rules. 
1. Foreclosure judgment filed in XX/XX/XXXX while I was attempting to modify the loan. 
2. After they filed a judghement in XX/XX/XXXX - Wells Fargo sent me correspondence to modify the loan in XX/XX/XXXX. In XXXX XXXX, XXXX, I received documentation from Wells that they were missing documents. All documents were resent in XX/XX/XXXX and the loan was modified in XXXX XXXX. But in XX/XX/XXXX while I was on a modified loan, wells fargo chose to change the locks to my home and discard of all my personal belongings absent a court order to do so. When I contacted wells fargo they told me the house was foreclosed on in XX/XX/XXXX, I asked under what grounds, they did n't have an answer. Their atty .filed for bankruptcy as a result of fraud. We were defrauded by Wells Fargo and they have to pay me damages for their deceptive and fraudulent actions. They deserve to be shut down. I have gone through several years of mental anguish because of them. 
Under the servicing guidelines they violated every rule. 
The rule restricts " dual tracking, '' where a servicer is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. Specifically, the rule prohibits a servicer from making the first notice or filing required for a foreclosure process until a mortgage loan account is more than 120 days delinquent. Even if a borrower is more than 120 days delinquent, if a borrower submits a complete application for a loss mitigation option before a servicer has made the first notice or filing required for a foreclosure process, a servicer may not start the foreclosure process unless ( 1 ) the servicer informs the borrower that the borrower is not eligible for any loss mitigation option ( and any appeal has been exhausted ), ( 2 ) a borrower rejects all loss mitigation offers, or ( 3 ) a borrower fails to comply with the terms of a loss mitigation option such as a trial modification. 
I require full compensation, I will notify every news channel and federal court regarding Wells Fargo Actions. I have already notified the office of atty general.

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 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
For over one year now, my attorney and I have been trying to resolve a dispute with Wells Fargo regarding the correct monthly mortgage payment amount due on my home mortgage ( reported to CFPB via case # XXXX ). I did not see an option to update that case, so I created a new one. I 've spent most of the year reading letters of delay from Wells Fargo. Each month I 've paid my mortgage ( see attached document " XXXX XXXX Payments XX/XX/XXXX Through Current '' ) per the payment amount due stated on the Initial Interest Note ( {$1100.00} ) plus an additional {$110.00} for escrow ( see attached document " Initial Interest Note Original '' ). The payment on this mortgage was interest only for the first ten years, then modified to a new payment amount effective XX/XX/XXXX. My XX/XX/XXXX payment was sent via a letter from my attorney ( see attached document " 1st Letter to WF XX/XX/XXXX ). This letter contained XXXX checks from me : XXXX for the principle + interest amount ( {$1100.00} ) and XXXX for escrow ( {$110.00} ) plus a late fee of {$10.00}. This was explained to Wells Fargo clearly in the letter. On a monthly basis from this point forward, I have paid {$1100.00} + {$110.00} ( {$1200.00} total ). 

Wells Fargo has finally begun communicating, by sending a proposed settlement agreement ( dated XX/XX/XXXX ) to my attorney. And at virtually the same time, Wells Fargo initiated foreclosure proceedings. Let me repeat : WE ARE CURRENTLY NEGOTIATING AND IN SPITE OF THIS, THEY HAVE STARTED FORECLOSURE PROCEEDINGS! I am getting letters and phone calls from people who want to sell my home. The dates on the foreclosure documents I received from Wells Fargo ( see attached document " WF Foreclosure Notice XX/XX/XXXX '' ) and from XXXX XXXX XXXX XXXX ( see attached document " XXXX Foreclosure Notice XX/XX/XXXX '' ) are BEFORE I responded to their settlement proposal. Wells Fargo gave me until XX/XX/XXXX to respond and we met that deadline. However, they started the foreclosure process before hearing my response. 
If foreclosure proceedings started because we have reached the one year mark, there 's only one reason why we are at the one year mark : Wells Fargo 's ongoing delays ( I have the delay letters to prove it )! 

I think this is an intimidation play, to try to get me to accept their settlement proposal without negotiating. Or, Wells Fargo is so big " the right hand does n't know what the left hand is doing ''. Either way, this is unacceptable. 

Wells Fargo needs to cancel the foreclosure process immediately! This is not negotiating in good faith.

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 monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX/XXXX/2016 at about XXXX, I met with Home Mortgage Consultant XXXX XXXX, of Wells Fargo Bank at his office at XXXX XXXX XXXX XXXX, XXXX, CO XXXX regarding a refinance of a house I own. 
I Provided hard copies of documents requested and made a payment of {$790.00} via a Wells Fargo debit card from my account with them. 
Later that night I discovered that I was able to get an additional loan via my current VA certificate and a refinance was unnecessary. 
I called XXXX XXXX the next morning and cancelled the refinance. XXXX XXXX was very understanding and stated I would get all monies refunded. 
After not seeing anything credited to my account by XXXX/XXXX/2016, I sent an XXXX mail to both XXXX XXXX and his manager a XXXX XXXX XXXX inquiring as to when I can expect to receive my money back. XXXX XXXX replied that a refund was approved on XXXX, however it takes time, and should be credited " Any day. '' As of todays date I have received no refund and believe that with todays technology a refund should not take three weeks or longer! I have an account with them, they got the money from me in seconds! Yet I should wait up to a month for them to refund? This seems quite wrong. 
I XXXX mailed both XXXX XXXX and XXXX XXXX again today and have yet to get a reply. I do not know where the problem lies exactly, as XXXX XXXX and XXXX XXXX have seemingly been vey helpful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Home Projects Visa has repeatedly assessed late fees when payments were made before the due date. Customer service was helpful in resolving this issue in the past and provided direction for how I could avoid the problem in the future ( details below ), but has not agreed to reverse any more late fees despite following their direction. 

The details of the matter regard a period between the due date and the statement closing date. Wells Fargo sets the due date on the XXXX of every month and does not allow any grace period. I have always paid prior to the due date. The statement closing date is on the XXXX though and the problem occurs when a payment is made towards the next statement prior to the closing date of the previous one ( e.g. when payment is made on XXXX XXXX for the statement due XXXX XXXX ). Even though the payment is made in advance of the due date, a late fee is still assessed. This is contradictory especially since there is no grace period i.e. any payment made after a due date should indicate a payment made towards the next statement. 

I have made every effort available to me to accommodate Wells Fargo Home Project Visa 's business practices. A customer service representative directed me not to make payments until the XXXX. Recent events would indicate that this was not correct and another representative informed me that this date can vary. I have also been told from other representatives that many people encounter this problem. Questions about the effect of this problem on my Credit History and Report were also answered unsatisfactorily. The representative stated that the Credit History would not be effected until the account was more than 30 days past due. Unfortunately, after making payments on time since opening the account, Wells Fargo still believes the account to be delinquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I was investigating the possibility of obtaining a loan for home improvement through ( XXXX ) your site and after submitting an inquiry I received a rejection notice. It also appeared on my credit report. I was only looking for the possibility of obtaining a loan and did not request one. Can you assist me in removing it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have a Wells-Fargo student loan. I have never missed a payment, and I pay more than the minimum amount due. I attempted to consolidate the loan to get a lower interest rate and was told that I could n't because I have a cosigner whose income was not sufficient. My father is retired and his profit sharing/Social Security does not count as income. When I attempted to remove my father as a cosigner, I was told that, despite the fact that I have never missed a payment and pay more than the required amount, I could not remove him because I have too much debt in relation to my income. The debt that puts me over is most likely Wells-Fargo. I net $ XXXX/month and I pay {$640.00} to Wells-Fargo, though I only have to pay {$500.00}. I just want to remove my father as a cosigner. They are factoring in my car payment, rent, federal loans, etc., even though that debt has not stopped me from paying them. I do not receive support from my father. In fact, I live in a different state. I am XXXX, married, and living on my own with my wife, and can support this with documentation. I asked Wells-Fargo if a letter from my father explaining that he does not pay for my loan and a letter from my bank stating my father is not on the account would be enough to remove him, and they said no. At this point, I just want to remove him so he does n't have this hanging over his head. Whether it results in a lower interest rate is no longer the main reason. I am tired of conglomerate banks giving out loans to people, then saying that they do n't make enough money to pay them back. Why would you give money to someone who you do n't think can afford the payments? THAT should be illegal. It 's no different than banks giving mortgages to people who will obviously end up in foreclosure. Banks are destroying the American Dream one student loan at a time, and frankly, it needs to stop. All I want is my father off as cosigner and, if possible, a fair interest rate with a payment that wo n't cripple me. Evidently, that is too much to ask. So I 'm done going though the lender. I am going through my legal, government-sponsored resources.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has both our first mortgage and our second mortgage classified as Home Equity loans. They will not give me a reason as too why both of our loans are classified home equity loan. 
I understand the second mortgage being classified as a Home Equity loan but do not understand legally how the first mortgage can be classified as a Equity loan as well. This is a major factor in allowing for a refinance or a modification in which we are in need of and repeatedly are denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I continue to receive phone calls from Wells Fargo Home Mortgage that are harassing. They will call me, I answer, the representative will wait on the line from XXXX7 seconds and then release the call. I have repeatedly called back to gain assistance from " supervisors '' as to why the harassment continues and they can never give me a reason. I am transferred around for a minimum of XXXX30 minutes to no avail. Today I was told, " the employee that called said you were unavailable '', which is falsifying company documents. They are required to state who they are, the company with whom they are calling from and the business reason for the contact. The supervisor I spoke to today stated, " Well, if you know it 's about your mortgage what does it matter if they 're hanging up and not speaking? ''

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 2016-05-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been disputing a credit card account, that does no belong me, that was reported to all credit bureaus by Wells Fargo. The credit card belongs to my cousin who has had this card for more than 15 years, and in 2007, it appeared on my credit report. He called Wells Fargo to inform them that the card belong to him and should not be on my credit report. They told him all they could do is cancel the card but it will still show on my account negatively. He still use this card today. All these years this has effected my credit, my ability to get jobs, new credit, and most importantly, I have had to make some challenging life decisions because of this neglect from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a letter from Wells Fargo XXXX XXXX OFFERING me an increase on my card and stating all I had to do was call the number ... XXXX ... to answer a few questions. Little did I realize what would result. The rep asked my income and I told her. It is higher by about {$5000.00} than when I got the card. The letter states : your account must be open, in good standing, and your credit limit must not have changed in the past three months. '' Great ... that 's me. A person named " XXXX '' or " XXXX '' said, sorry my income does n't meet the requirements. I disagreed and asked to speak to her supervisor. My income is more and my debt less, so I do n't understand. XXXX told me she would have the supervisor email me later and I said I 'd rather hold and speak to the supervisor ... .and after a hold of about XXXX minutes, someone who identified herself as " XXXX XXXX '' spoke with me and reiterated what was said. The supervisor was fake understanding and conciliatory but would not understand my point. My main complaint is the letter and their tactics were deceptive. The letter never said I would have to requalify and prove my income. According to the letter, I fulfilled all the criteria, and they said they were raising the limit, I did n't ask. Adding insult to injury, I am a Wells Fargo customer with a checking account and a home mortgage with them.

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