vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In a letter dated XXXX/XXXX/XXXX, XXXX XXXX, Loan Adjuster, Recovery Department, Wells Fargo Education Financial Services, agreed to accept my payments of {$350.00} per month to satisfy XXXX private student loans that were in default. I 've attached a copy of that letter. 

Since then, in accordance with that agreement, I have paid {$350.00} every month, mailed to the address specified in that agreement. Although I have made every payment under that agreement ( until this month ), I have never received any statements or other information from Wells Fargo to tell me how my payments were applied and whether the balance is being reduced. 

Wells Fargo accepted my agreement. My payments within this agreement should have brought me current and should have cured any default. Instead, I recently discovered that the loans were " charged off '' XX/XX/2016. This charge-off is severly damaging my credit rating. 

I believe I have been deceived and that Wells Fargo has breached our agreement. I have been making good-faith payments, but now I 'm not sure if they 're going to the correct entity or if they 're being honestly or accurately applied.

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 2016-08-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a home mortgage with Wells Fargo bank, the process started on XXXX XXXX the banker agents in charged of this loan were XXXX XXXX, Home Mortgage Consultant Fax:XXXX Office : XXXX Ext:XXXX XXXX, NMLSR ID XXXX and XXXX Mortgage Processor ( Lo ) Office:XXXX Ext : XXXX XXXX NMLSR ID : XXXX. The process was slow because I could n't find a house for the amount I was approved for, first I was approved {$350.00}, XXXX however i found a house priced {$230000.00} and with a {$11000.00} down i was putting and a negotiation with my attorney i received a credit from seller which made the loan amount to go down to {$200000.00}. The bank requested a lot of documents to verify my income, and everything they asked me for i submitted it to process the loan, I have gotten several commitment letter from Well Forgo stating i qualified, the only reason the real state agent gave me show me the houses were because i had a pre approved letter. The bank consultant requested to do an appraisal in the house i gave them my credit card paid for it and it was done under the assumption that i had the loan and i also paid for the house inspection. i spend the appraisal money and house inspection money because the bank reassurance that i would have the loan to buy this house. Wells Fargo for five months made me spend money for the appraisal, i paid an attorney fees, put a down-payment and for {$2500.00} down to start up the contact, i rented the place where I 'm leaving now and i packed all my staff, consulted a house insurance and changed my car insurance to be with the same as the house Wells Fargo approve the loan for until the beginning of this month XXXX they at the last minute denied the loan because according to XXXX and XXXX my income Ratio was to high. My confusion is that since day one they run my credit report and seem all finance they knew what i had from the start why putting my hopes high and allowed me to spend money in appraisal if they knew i would n't be able to get the loan. i want an investigation to be done and my money to be returned. I did everything they asked me for and participating providing all my finance information they reassurance by giving me commitment letter and at the last minute they back-down.

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 2015-11-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was applying for an auto loan between numerous banks. Wells Fargo Dealer Services denied me because I did not meet the minimum age requirement. I received letters from XXXX financial institutions stating age was the only factor in denying me an auto loan. I have held on to these letters and I am submitting this request because I believe they wrongfully denied me credit. I am XXXX years old ( XXXX on XXXX XXXX ), which is more than within the minimum age requirement according to the Equal Credit Opportunity Act. I have supporting documents and am more than willing to provide this information**The Equal Credit Opportunity Act states : Consider your age, unless : you 're too young to sign contracts, generally under XXXX ; you 're at least XXXX, and the creditor will favor you because of your age ; it 's used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because you 're about to retire ; it 's used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. 
**

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

Complaint narrative:
My parents have a reverse mortgage with Wells Fargo. My father has past and my mother is now in an assisted living facility. We have worked to return the home to Wells Fargo through the Deed and Lue process and now through foreclosure. It is my belief Wells Fargo has completed numerous acts to delay this process so they can continue to collect interest on the loan which would affect the Federally insured loan. This process has gone on for almost 2years.

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 2016-11-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Windham Professionals, Inc.
State: CA

Complaint narrative:
I have been receiving threatening phone calls from Windham Professionals despite the fact that my XXXX account is paid and up to date.

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 2016-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was a victim of bank fraud by Wells Fargo several years ago but was able to sell the house the loan was for. The second time was a mortgage loan originated by a local bank in Idaho called XXXX XXXX who immediately sold to another bank which was XXXX Bank. The loan was a derivative meant to force foreclosure since my debt to income ratio was way too high w't even make sense or respond to the appropriate account details.ay too high and the bank should never have approved the loan. This loan was my mom and dads house which I had XXXX third interest in and also had {$26000.00} for a down payment to get a lower interest rates and affordable monthly payments. All my complaints and questions were never addressed adequately even when I sent tangible documents to prove my case all the way through both banks system but there was no one accountable and my serious complaints were ignored answered by various form letters that didnt refer to my account detail and did n't even make any sense. I lost almost everything I worked my whole life for due to the financial breakdown. The banks were all stealing my money and no one would help me and I could n't afford a high priced attorney and even if I could what lawyer is going to stand up against the tremendous power the mortgage lenders had on everybody. Although I was able to reaffirm the loan I still have on my mom and dads estate, I owe way more than the house and property is worth. I had to move out and get it rented to cover the mortqage and equity loans I had to get to pay all my bills. XXXX mortage and equity loans are through XXXX Bank they had me set up so I was robbing XXXX to pay XXXX ( so to speak ) I had to move back to XXXX State and request XXXX for the first and only time in my life at XXXX XXXX XXXX it was a tremendous strain on my pride and self-respect. Even now I still suffer high insurance premiums and large deposits for rental housing, power and other utilities. Would you kick a suffering dog when he was already down?? That is what it feels like to me. I have no more options or funds to continue this fight just trying to pick myself up from the bottom and start over.

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 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
Nationstar Mortgage Company purchase my home loan approximately six months ago. My monthly payment is supposed to be {$1700.00} per month by contract. However, Nationstar constantly charges a late fee of {$10.00} when the payment is not in fact late. This is almost a monthly occurrence. The latest incident is for my XXXX 2017 payment in which Nationstar charged this {$10.00} late fee, but no details " why '' any payment was allegedly late. The XXXX 2017 mortgage payment was received by Nationstar on XXXX XXXX. I can only imagine how much money Nationstar has collected from other customers who did not question their alleged " late charge '' that was not in fact late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXXDear Wells Fargo Representatives : Today XXXX XXXX ( working on behalf of me for my loan modification ) informed me that unfortunately Wells Fargo has decided to not help me modify my mortgage so that my family can remain living here. 

I am extremely disappointed and surprised. I have been unemployed since XX/XX/XXXX. XX/XX/XXXX I informed Wells Fargo that I was having difficulty paying my mortgage with Wells Fargo and that I needed a little help. This was the first time I requested assistance. I then asked for a simple deferment or work out program so that I could get back on my feet and find a real job and not only pay my mortgage but also provide for my family. After approximately XXXX weeks and providing all the requested information and documents, I was told that I did not make enough money and your Supervisor suggested that I get a job at XXXX XXXX or somewhere like that and then reapply XXXX months thereafter. I was also told that Wells Fargo does not do deferments. I have relied on my wife 's income, our savings, and borrowed money from family and friends to keep this going. 

The beginning of this year we exhausted most of our savings and again contacted Wells Fargo for assistance. The process began XX/XX/XXXX to find a work out program that could help us stay in our home. 

Almost XXXX months later Wells Fargo decides that we do not make enough money etc. and that our home would land in foreclosure anyway. I really have to wonder why you would tell me this now and not help us. Your representatives knew both times around what we make and we provided you with everything you have asked for immediately. 

Seven years ago I combined my interest only loan with Wells Fargo with my HELOC into a fixed mortgage in order to fulfill my obligations with Wells Fargo and also own my home quicker. This I thought was possible until I lost my job in the industry I have been in for so many years that is pretty much non existent and destroyed. 

My credit has suffered, my marriage has suffered, and ultimately my health has deteriorated. 

Why will you not help good people like us stay in their home? I do not understand this or your approach at all. We have paid you and intend on doing everything possible to keep paying. All we ask for is for some assistance now. The stress that this has caused us is absolutely unnecessary. 


Please help us. We are good people that are experiencing some difficult times right now. We fully intend to get out of this bad situation with your help and land on our feet again. 

My interest rate with you is 10.365 %. Maybe if you reduced the interest rate slightly we could all be happy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I 've been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refusing to adjust after, numerous email, calls and letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am referring to case number XXXX submitted on XXXX/XXXX/15. After several attempts to find a loan modification with America 's Servicing Company/Wells Fargo loan # XXXX, they have responded that they have exhausted all possible ways for me to repay the loan. The loan is a private loan with several foreigns banks. They have mentioned that there is a limit on the times the banks are allowed to permit a loan modifiaction. I have a regular income, I have even ask ways to repay the deliquent amount. I already had sent all documentation to support the hardship that I suffered. I will like the possibility for the ombusman to intervene in this situation. I perceived that the negativity and the reluctancy of the underwriters and their response sugested me that what many of these banks are pushing individuals to foreclosures and realy not helping families to keep their houses. It could be interpreted as a double dipping action from the banks to doble sell the houses. It is not true the response of the agent that they have tried to reach me without response. I had several telephone conversations with the preservation specialist, XXXX XXXX and his manger. Please advise the status of this complaint and the possibility of a resolution on my hehalf. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In light of the Wells Fargo scam I want to address the fact I was scammed for employment through XXXX in an offer to be a secret shopper. I had just lost my job and the money I lost was a mortgage payment. 

This was all in conjunction with XXXX prepaid cards that loaded funds through Wells Fargo accounts that I found were flagged and should not have been processing " bad checks '' on fake accounts. 

When I originally inquired about a {$3200.00} check I received, I found all it was all connected through false checks. After filing a police report and visiting my local branch and finding this Wells Fargo account was flagged after the check was cashed, the bank manager even said nothing should have been processed with all the flags on this particular account. 

I then wrote Wells Fargo CEO XXXX XXXX who just stepped down over the revelation of fake accounts only to hear sorry you were the victim of a scam. 

The branch knew that check should of have never been cashed because of all the notes on it and proceeded to cash it anyway to take funds from unsuspecting people thinking they were gaining employment. I would like to receive my reimbursement since this scam has come to light and I have every stitch of paperwork to back it all up. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I 've been a customer of Wells Fargo since XXXX when my father started a small independent bank in Texas that was eventually acquired by WF in the XXXX 's. On XXXX XXXX, XXXX, I emailed WF to express my concern about recent reports of retaliatory conduct against employees reporting highly unethical behavior at the bank. I received a form email from XXXX XXXX back about the recent account scams at the bank, and I replied back that the form email did n't directly address my concerns about retaliation. On XXXX XXXX, XXXX, WF terminated my online access to the personal line of credit I 've had at WF for the last 8 years. I called the online customer service number ( XXXX ) provided in the notice saying that my delivery preferences for the account had been changed, and explained my concerns to XXXX. He informed that it had been blocked but he could n't see why, and transferred me to XXXX XXXX in credit who informed that the fraud team was investigating suspicious activity he described as " supercheck activity, '' and then transferred me over to XXXX in the fraud department who said that WF had received a referral from XXXX today for possible identity theft over the account, but said if I recognized the account then he 'd unblock it. It has not been unblocked, and the number he gave me for XXXX XXXX does n't give me any one there I can speak to. I believe that the blocking of online access to my account today by WF is a direct retaliatory act against a customer as a result of the criticism I raised yesterday, and I want it thoroughly investigated.

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 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well Fargo Home Mortgage continually increases the escrow. Wells Fargo claims that they see a change in my tax 's and home owners insurance policy. This ca n't be true. Our taxes have not gone up ever in the 15 years we have lived here. Yet Wells Fargo insists that they do go up and so does our home owners insurance cost. I myself setup XXXX veteran services home insurance policy and XXXX has not informed me of a policy increase. This problem with Well Fargo continually says that the monthly payment most go up to cover they costs that should never happen and this is the 3rd time. Wells Fargo refuses to prove that every time they raised the monthly cost of the escrow they actually had a real reason. We have even being paying more then the monthly amount due by nearly XXXX $ more each month and yet ... Wells fargo says we have s shortfall in the escrow, which is impossible. We believe that they are misleading us and not using the escrow account as they are contracted to do in our mortgage.

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 2015-07-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I applied for a wells fargo propel card on XXXX XXXX 2015. I had to spend XXXX in 3 months to receive XXXX bonus points. I completed my required spending in XX/XX/XXXX and my bonus points were shown as pending to post XXXX XXXX. I also called XX/XX/XXXX to ask when they would post - i was told XXXX XXXX. They did n't post and i called back XXXX XXXX - the lady said they would post XXXX XXXX. I verified on the website that it was now changed to XXXX XXXX. I called in XXXX XXXX when they did n't post and was told they would post XXXX XXXX. My complaint is that they are not posting in the time their fine print said, as well as they would not return phone calls as promised ( i spent over 3 hours on the phone through 6 phone calls all pertaining to this ). In addition, my points have still not posted even though i held up my part of the agreement - wells fargo is not holding up their agreement in their fine print under the promo i signed up for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo has charged me more than {$2000.00} in return fees and bank charges since XXXX 2016 due to " holding '' certain deposits for a certain number of days because they were from out of town banks. The issue I had with it was the amount of days they held the checks differed each time and also the amount they held out of each check differed. XXXX checks from the same bank for the same amounts had holds placed on them for different lengths of time and the funds released from each checks were different. XXXX of the checks had funds released in increments over 2-3 days. The other check was held for several days with no funds being released until the hold was released on the entire amount. After being charged fees for the XXXX held checks it became almost impossible to regain control of my checking account. I was only making deposits to cover the fees they continued to pile on. At this time the account is overdrawn and I do not have the money to cover the negative balance of almost {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Recovery Services
State: TX

Complaint narrative:
for weeks, people claiming to work for Integrated Services have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse.

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