vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX Payment - Same address as the XXXX listed on complaint This item is being disputed is due to communication breakdown between Wells Fargo and XXXX XXXX. I spoke with XXXX from Wells Fargo on XX/XX/XXXX at XXXX XXXX ( His ID number is XXXX XXXX. I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XXXX XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. I also spoke with XXXX ( ID # XXXX ) on XX/XX/XXXX around XXXX XXXX. and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XXXX. I have always gotten the email communication. I have plenty of Cash in my Checking account, so lack of funds was not an issue. ( I can supply bank statements if deemed necessary ). XXXX also provided me with a phone number which they stated was used to let me know about the payment, but that number was no longer in service ( Since XX/XX/XXXX ). I changed the number on the Online system but according to them that never took place. I would like to have them remove the 30 day notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake.

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 2015-04-22 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
A " company '' referred as the XXXX group is constantly calling my phone and my parents phone from XXXX different numbers in XXXX different cities stating that I owe a debt from XX/XX/2010 that was paid off two weeks after taking it out. The gentleman on the phone told me he did not care if I had to pawn me and my children 's valuables try needed the money. No matter how much I told them I need this in writing and that the loan was paid they threatened to garnish my car wages and bank and I was being sued in civil court for fraud. I told them that there is proof and I needed an address for the company to get this all straightened out and was refused that also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Dear Sirs, I have a Home Loan Mortgage, and Home Equity account with Wells Fargo Bank. Recently, Wells Fargo updated their online presence by offering access to my personal Credit Score. I was shocked in seeing my score a full 56 points lower than it appears on my XXXX score. I have submited complaints to CFPB in the past concerning the questionable tactics used by Wells Fargo, specifically as they apply to the Home Mortgage Division. Briefly, in 2012, following a mid-management job loss, I approached Wells Fargo for some help in lowering my monthly obligation of {$2100.00}. The bank immediately decided that I belonged in their " Home Preservation Program ''. This was the greatest financial mistake I have ever made, and I have been paying for this involvement ever since. Wells Fargo was literally filled with false promises, delays, lost paperwork, you get the picture. After 8 months of " lies '', I was denied inclusion as my household income was deemed " Too High ''. I concluded that the bank was aware of this factor from the begining, and as the monthly obligation became increasingly difficult to meet, my Credit Score plummeted into the low 500 's. The only area where the bank excelled was in reporting late payments to the Credit Bureaus The Bank continues to report a negative standing on the two accounts, siting late payments even though this has not been an issue for over two years!! 
I focused on rebuilding my score, and was pleased by the results cited on my XXXX file. The latest entry lists my Score at 745. To view only a " fair '' rating on Wells Fargo 's site has prompted me to action. I have submitted a complaint to Wells Fargo, and am awaiting their response. 

Sincerely, 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 2015-12-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XX/XX/XXXX I opened a credit card account w/HSBC. Several of their employees told me if I charge at least {$1500.00} w/in 90 days I would get a {$150.00} cash " reward '' ( I do n't understand the difference between {$150.00} and {$150.00} 'reward ' ). I charged the {$1500.00} w/in the time frame & was told the {$150.00} would soon appear in my account. As of 30 minutes ago it had n't. I made several calls to the XXXX # -- the last time I was connected was XX/XX/XXXX when I spoke to someone who identified himself as " XXXX '' emp. # XXXX. He said the $ would be in my account in the " next few days. '' I made lots of other calls to the XXXX # since then but I 'm always on hold for long periods and whomever I speak to says I have to speak to someone else & eventually I get disconnected. I recently called my local branch -- on XXXX XXXX in XXXX, XXXX XXXX. They told me to call the XXXX # -- I told them that did n't work for me. They said I should come down to the branch. I do n't want to make the trip & I fear that wo n't work anyway. The XXXX people I spoke to at the XXXX # agreed I was entitled to the $ & said it was coming so why ca n't they just credit it to my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been working on a modification for the last past year and I been decline due to my finances, now I have a new job as a teacher and my salary has been increasing since them, however, I have a sale date for XXXX XXXX 2016, I resend a Loan Modification package to my lender ASC on XXXX XXXX, 2016. Today I did a follow- up, and I was told that my count could n't be reviewed one more time for a Loan Modification due to the fact that I have been delinquent for the past 3 years. I asked who took this desition and I was to by one of the representatives that are a new police that took place XX/XX/2016 and also the investor who is XXXX. I want to do my best to keep my property, I ca n't imagine losing my home after having made so many sacrifices to purchase.

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 2017-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have a HELOC w/ Wells Fargo Bank . While out of the country on business XX/XX/XXXX. and XX/XX/XXXX I missed the notice to renew my home owners insurance policy from the insurance company. When I returned I renewed my coverage but not before there was a lapse in coverage. 
Wells Fargo sent me a letter requiring me to demonstrate the property was covered by adequate insurance coverage and although I had the coverage I was not inclined to immediately demonstrate it to Wells Fargo so they can earn a risk premium on the HELOC when they incur no risk. XX/XX/XXXX, after having received several warning letters from Wells Fargo, I called them but was told I would need to fax ( NOT scan and attach to an email message ) the proof of insurance. I visited a local branch and they assisted in faxing the proof of insurance to Wells Fargo. Thereafter I received another letter fm Wells Fargo notifying me that they had purchased an insurance policy for my property since I had failed to demonstrate proof of coverage. I returned to the branch on XX/XX/XXXX and we again spoke w/ the contact provided and again faxed the policy since they had no record of having received the first fax. I was assured that I would receive a letter in several days. 
On XX/XX/XXXX I received another letter informing me that I have been charged a prorated portion of the imputed insurance premium for the period of time where there was a lapse in coverage. Although much less that the larcenous rate I was first quoted of {$3200.00}, I was told that I owe now owe {$670.00} for the coverage. ( My coverage for the entire year costs {$910.00}! That they could not negotiate a premium w/ their purchasing power demonstrates to me that there is no 3rd party insurer but rather this represents an imputed amount att he maximum rate they feel they can pass along. ) Wells Fargo is requiring reimbursement for an imputed premium for a period of historical time where there is no liability. I could understand if I did not have coverage and could not demonstrate it going forward, but to impute it retroactively is nothing but a money grab!

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 2016-06-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo representatives will call at least three to four times in one day if my payment is late. The calls will continue everyday until the account is current.Each time this has happened I ask that they stop calling or at least leave a message with the purpose of the call, but they do not. I would expect this kind of harassment from an unpaid debt, but not if I am a few days late making a payment.

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 2016-06-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mother passed away in XXXX 2015. Wells Fargo immediately contacted me regarding mortgage and what were my intentions regarding her estate. I told them I would like to sell the property. I had to go through probate. While going through probate I got a purchaser for a regular sale. All information I forwarded to WF. I could only talk to what they referred to as 'Reverse Mortgage Specialist '. I started receiving foreclosure notifications. Was told by the specialist to ignore them that I had to just keep the specialist informed of my intentions. They would ask for me to resend information that I had already sent. I finally asked the specialist where was the information I sent last month? I was told that the information was forwarded to another department and they were not aware of what the other department did with it. Every month I sent a letter asking for an extension or postponement and why. I even went to the Consumer Affairs foreclosure agency. They talked to them and sent letters on my behalf. I was at the end of escrow about to close ( all information I sent to WF along with paperwork ) and asked for one postponement so that I could make sure everything closed properly. This was XX/XX/XXXX, home was scheduled for sale on XXXX XXXX. On Friday XXXX XXXX WF sent me a letter thanking me for my patience saying that they were sorry for taking so long to get back to me but, they had denied my short sale due to the appraiser could n't gain access. I had a regular sale and the house had already been appraised. Well, on Monday XXXX XXXX my mothers/family home of 40 years was sold at auction, to the surprise of everyone. it was purchased at auction for just {$1000.00} more than what my sale price was. 
Now, all anyone can say is sorry! I have been served with eviction notices but, am still here. 
I will not give up my family home without a fight. The home sold to a big corporation. I have hired a lawyer to see if sale can be rescinded. I know it 's next to impossible in California but, I will continue the fight. This has got to be stopped. I 'm going to all government agencies, everywhere. I called HUD and was told in reverse mortgages the heir has up until a year to acquire property. I did n't get a year. At the end of 6 months I was given postponements not 90 day extensions. Wells Fargo was wrong and be held accountable for its wrongful acts.

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 2015-05-13 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Red Cedar Services, Inc
State: VA

Complaint narrative:
I am in bankruptcy chapter XXXX. Third party company continues to call after I have informed them I am in Bankruptcy XXXX. Told me today they were calling XXXX, Police and others to be at my home shortly. I left work to go home. The numbers calling from are:XXXX andXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I put in an offer on a house which was accepted on XXXX/XXXX/2013. I had already been pre-approved by Military Family Home Loans ( co-owned by XXXX and Wells Fargo ) who was the originator of my loan. I had to constantly re-submit requested documentation due to dealing with " XXXX underwriters ''. Additionally, I was never presented with the closing paperwork prior to actually closing on my house. The closing date was set for XXXX/XXXX/2013, and as of XXXX the night before we still had not received the closing paperwork or final amount needed for the down payment. On the day of closing, the paperwork was finally received shortly before closing at XXXX, and I come to find that my monthly payment was increased to {$1700.00} a month, approximately 11 % more than the original {$1600.00} I was quoted in the Uniform Residential Loan Application/HUD. Upon calling my loan officer, I was informed that the underwriter made a mistake regarding property taxes, and there was nothing she could do. Therefore I had no choice but to close at that time, or risk losing the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been the victim of identity theft in the past. It was through the office of an insurance broker I used. They informed me an agent had forged my name to cash a check. I thought it was left at the. I recently had to consolidate loans that went into default and was given a full report of my loans. I realized the amount was twice what I expected and there were two years in which loans were taken in my name that I do not recall receiving. They were over XX/XX/XXXX and XX/XX/XXXX. The amount in those two years doubled what I had received prior to those years. Although I was in school at that time, there was no reason for me to take such loans. I need to know where to loans were deposited to. Then I will know for certain what happened.

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: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In 2006, I refinanced my home and was sold an illegal loan in the State of Illinois ( Pick-a-Pay Loan ) with World Savings. Now owned by Wells Fargo Bank. I have already made a complaint with CFPB. Please see previous complaint # XXXX and XXXX. I am putting through a second complaint because the answer from XXXX XXXX at Wells Fargo is insufficient. Firstly, he did not look into any of the issues. He must advise me why there are XXXX applications with different incomes which were both incorrect. I can prove it by supplying proof from the IRS that I was not making that much money. Secondly, I had given him a letter from XXXX XXXX insurance and he did not even research the type of insurance that was purchased. He stated in his response that it was title insurance. The insurance policy taken was in case I defaulted on my loan. They changed my income on the application after I signed it. They then took out an insurance policy with XXXX XXXX in anticipation of my default so when the minimum payment of the loan tripled, they could put in a claim. XXXX XXXX letter indicates that there was no claim with the insurance policy. I will attach the letter sent to us by XXXX XXXX. I will also attach XXXX XXXX letter showing that no research was attempted.

Company public response: Company 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 modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
In early 2012 we went through difficult financial situation and were left with XXXX income for almost 12 months. Our first priority was to keep our m mortgage paid and to keep our house during those hard times. We have been in the house for 10 years and and we have our XXXX mortgage with Wells Fargo Home Mortgage. First thing we did was to turn to our mortgage company looking for assistance and modification of our loan by lowering our rate which was 5.65 %, higher that rates in the country so we can lower our monthly payments of {$2800.00}. 
On XXXX XXXX 2012 we received a letter explaining modification process and documents needed. I also received a phone call from XXXX XXXX, Home Preservation Specialist with Wells Fargo. 
She was assigned to our case. At that time our mortgage was current - as I stated above, we have been trying to pay mortgage first and keep our house. First advise I received was that we can not qualify for modification as long as our mortgage is current. We have to be behind in order to start the process. So we, believing in good intentions of our mortgage company for 10 plus years, stopped payments. They also assured as that the process will take up to 30 days, so we will be only one or two payments behind. 
This is completely misleading and fraudulent advise!!! 
The process stretched out for 6 months, Wells Fargo claimed that they did not receive necessary documents which I was resending and resending by Fax and in XXXX XXXX, 2012 we received a letter from XXXX XXXX, that she can not help us any longer and they will start collection process. At that point, we are significantly behind our mortgage, they start talking about foreclosure so we are in panic notion. 
Meanwhile, they reported us to all credit agency, out credit become completely ruin and being in hardship it was impossible to make up all late payments. 
We continued talking to Wells Fargo, now with a manager, named XXXX XXXX, which advised to re-start modification process again. 
Left without any options, we did so and start making catches up payments toward the mortgage. It took them another 6 months to come up with agreement which denies our request because even with one income, we still can afford to pay. 
So after a year, we ended up with monthly payment of of {$3800.00} instead of {$2800.00}, same high interest rate, ruined credit history, so they make sure we are not able to qualify for any refinancing with anybody. 
I did complained to XXXX 's office of Wells Fargo, but nothing come out of that. 
So we are now in forth year of bearing consequences of bad credit, not being able to obtain any loans, credit cards, refinancing etc. 
We believe that Wells Fargo defrauded us whether this was done intentionally or out of incompetence and we are looking for compensation.

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