vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
To whom it my concern : My name is XXXX XXXX, I have a Loan with WellsFargo, Loan # XXXX and I have a complain the way WellsFargois handling my situation and the way how they have been treating me. 2 years ago I was in XXXX I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked WellsFargo for help asking for a Loan Modification program or any other relief available. It is very hard to deal with wellsFargo because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by XXXX many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past two years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from XXXX XXXX XXXX, I am frustrated and stress and I feel WellsFargo is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to WellsFargo to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I 'm wondering if WellsFargo does n't want to help me because my name is XXXX XXXX and I am XXXX I feel discriminated by WellsFargo. 

XXXX published on XXXX/XXXX/2013 " WellsFargo former employees : We were told to lie '' the article is based on employees of WellsFargo routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX

Company public response: Company 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 — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have deposited a check into my Wells Fargo Account and they have put a 10-day hold on it. It is a commission check from my broker as I am a XXXX. The check is for {$5500.00} and I have deposited at least XXXX other checks from this same broker. So it is coming from the same account it has always come from and they have never held it for more than the usual 2 business days for checks over {$2500.00} which I have accepted as their policy. Holding my check for an additional week is unacceptable and unethical as they will receive these funds way before they release them to me.

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 2015-06-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX with XXXX XXXX pretended to be an attorney and threatened to have our daughter arrested over a debit to Wachovia Bank from 2009. The amount he tried to collect is also XXXX the amount she owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hired to do a loan modification for our client. Submitted package via facsimile to Wellsfargo. When I called Wellsfargo to do a financial interview over the phone which is their normal procedure I was advised that my client can not be considered for any loss mitigation assistance as he has already had two previous credit decisions in which he was denied for a modification because affordability was not reached. Client was denied is XXXX and then again in XXXX. However, my client 's financial situation has changed and he should be reviewed for workout options to help him save his home. Per lender they can not review the borrower for any assistance based on Wellsfargo guidelines and investor guidelines due to the delinquency of his account. We would like for them to review our client and give them a decision rather than say that they will not even consider him for anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Fell behind on my loan modification and unable to catch up by the end of this month. Wells Fargo sends me a notice on XX/XX/XXXX saying I have to come up with {$2500.00} by the end of the month or face foreclosure. I ca n't do that. It is impossible. They do not seem willing to even work with me.

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 2016-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: NM

Complaint narrative:
I have been caught in a financial crisis for several months due to unexpected emergencies last year. NetCredit seemed to be a helpful source until recent financial education and counseling I received. I was also informed that NetCredit is in violation of the Military Lending Act. I have contacted NetCredit twice and have yet to received any return correspondence or assistance. What are my options in resolving this?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I rec 'd a phone call from a XXXX XXXX at XXXX XXXX who said she was calling from XXXX XXXX XXXX and that she was an attorney and that this was an attorney 's office. They have called my husband at work numerous times even though they have been asked not to as it will jeapordize his job. When I googled this company it said it was a debt collector and that they had been shut down once. This is for a debt from 2008 that just keeps getting sold.

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 2016-01-11 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I would like the CFPB look into my claim # XXXX against XXXX default services, Because their refusal or ignore to validated my DEBT VALIDATION LETTER it got sent out by certified mail with copy receipt # XXXX. 
Instead to comply with my request, they still want to go ahead with its illegal and criminal act. They sent me another document postponing the Foreclosure Sale date from XXXX XXXX 2016 to XXXX XXXX 2016.This company clearly its violating my consumer right XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
This complaint is to inform CFPB of the unfair and cruel way that my mortgage company have been treating me since the year XXXX when I started to have problems paying my mortgage due to hardship. At the end of XXXX, my husband divorced me which change the household income from around {$85000.00} a year to around {$20000.00} a year making it very difficult for me to make ends meet considering that I was a single mother of XXXX children with no help what so ever. This is when I reached out to my mortgage company asking for help with my mortgage. I placed numerous calls to them and I even applied XXXX times for a mortgage modification in which I was declined both times. Since then I have continued to ask for their help only to have them decline me of any available services and/or any assistance that they could have provided me with. Instead of helping me, they wanted to foreclose on my home. Then I managed to bring my mortgage payments up to date, however, they refuse to send me monthly statements since XXXX of XXXX leaving me with not knowing how my payments are being applied to my account, what are the extra charges that they are applying to my account, what my mortgage balance is and what are my official monthly payments. This has caused extreme stress on me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I purchased furniture through XXXX. It totaled XXXX. I was asked if I wanted 12 months financing at 0 % interest. I agreed. I made all payments on time. At the end of 12 months I had a balance. The Wells Fargo credit card did not bill me XXXX/month, which, when I calculate it, should have paid off the entire balance in 12 months. Instead they only billed me XXXX/month. Now I receive a bill for XXXX which includes interest of XXXX which is more than XXXX % of the balance. If I was informed at the time of purchase that the 0 % interest was deferred and that I had to make higher payments this past 12 months to pay off the balance in 12 months, I would have. There interest rate after 12 months is 28.24 %. I am now subjected to pay this full amount. I have a XXXX credit rating and could have paid this off in full to begin with and have several credits cards with lower interest. I was mislead by XXXX and Wells Fargo and believe that these fees are fraudulent. This should have been explained to me up front.

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 2015-08-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2015 Wells Fargo Bank foreclosed on my home and sold it for more than XXXX what was owed on my loan. Wells Fargo outsourced my foreclosure to XXXX XXXX, who filed bankruptcy, closed their doors and went out of business, long before they foreclosed on my home, taking with them more than {$300000.00} in surplus funds from the sale of my home. For more than XXXX months I begged Wells Fargo for the information on how to claim those funds, but they repeatedly failed to give it to me, because they knew that XXXX had gone out of business and did everything they could to conceal that information from me, going as far as to tell me on XXXX XXXX, that I was not owed any money, regardless of any surplus funds. I am terminally ill with a short time to live. I am unable to work and the surplus funds is all the money I have left in the world. Because Wells Fargo and XXXX refused to give that money to me timely, I was not able to afford moving and storage costs and was locked out of my home by the sheriff on XXXX XXXX, 2015 and lost the entire contents of my home also. I am now homeless and living in my car with a XXXX in the summer heat, while Wells Fargo continues to withhold my money from me. Wells Fargo wo n't even take my calls anymore. Once I identify myself to them, they play a recording into the phone telling me they can not speak to me and refer me to their attorney in Iowa. I do n't know how much longer I can survive living in my car at this point and I need help. I am afraid that swells Fargo is attempting to wait this out until I die. My family does n't deserve this and neither do I.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo contacted me regarding a debt I am disputing after XXXX Eastern Time on my home phone, a New York number. This number is also listed as the least-preferred method of contact, and they did not once attempt to contact me on my preferred number. Upon questioning the agent who called me, I was told they had attempted numerous times to contact me at a number I had never heard of before. As a result, they were not able to reach me until one month after the account had been in collections, thus further negatively impacting my credit history.

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 2016-10-12 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I began by requesting a {$500.00} cash advance from CashNetUSA in XXXX. Cashnet subsequently deposited an additional {$300.00} into my XXXX checking account without me requesting it. CASHNETUSA has withdrawn over {$1900.00} in fees and interest as " repayment '' and there is a remaining balance in excess of {$300.00}. This is nothing more than a loan sharking operation which has assesed over 300 % in fees and interest.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX, 2017 and in receipt of a telephone call from XXXX XXXX XXXX at XXXX from WFHM . The call was a response from the previous documentation sent to the CFPB, which detailed the correct payment history, which WFHM omitted and left blank, knowing it existed. The information requested from WFHM, is as follows. 1 ) Proof of ALL payments made to the WFHM and not excluded ones. 2 ) Report my mortgage to the credit bureaus. 3 ) An apology letter of the excluded payments and why the chose to exclude payments that were clearly made. 4 ) ALL correspondence in letter form and not on a recorded line, or I have the right to record as well. 5 ) Compensation for the failure to disclose the correct payment history, costing me an opportunity to refinance. Additionally I 've just received notice today ( XXXX/XXXX/2017 ), that my savings account was depleted of funds and closed, by Wells Fargo Bank , NA. The representatives I spoke with today were, XXXX # XXXX and her superior on duty, XXXX ( Mediation Supervisor ). After stating the opening of fake accounts and unapplied funds to garner interest. The call was then escalated to XXXX, whom then took the information from me and forwarded said information to the appropriate departments.

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 2015-11-23 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XXXX XXXX 2015, I sent a letter to Wells Fargo Dealer Services asking to validate a debt it claims I owe. This debt has been paid in full through my Co-applicants XXXX XXXX Chapter XXXX. Although they are reporting that account # 's XXXX and XXXX to the credit reporting agencies as accurate collections account. I also filed a complaint with the XXXX regarding this matter case # XXXX. A research remediation representative name XXXX XXXX XXXX verified the account ending in XXXX was in deed accurate. XXXX/XXXX/2015 I spoke with a few customer reps at Wells Fargo Dealer servicesXXXX ID # XXXX, XXXX ID # XXXX and XXXX XXXX who all confirmed that the account numbers that I had giving them were not valid accounts. XXXX XXXX was very rude per our conversation this morning. Also stating that she could not provide me with any information because i refuse to confirm my SSN for her. I have corresponded with my Co-applicant on this issue and she provided documents to support our claim that this debt was in deed payed in full through her chapter XXXX. Wells Fargo has continued to report inaccurate information which violates FTC resulting in damages in my financial records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Reference : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXXAPN XXXXI XXXX XXXX am the legal owner, with recorded property rights, fee simple, absolute paramount interest to the marital property, community property, A grant deed and order from family law has been perfected in the registry of deeds. 
XXXX XXXX XXXX, ( XXXX ) XXXX which it call center is stationed in XXXX XXXX, and also holds an address at XXXX., XXXX XXXX XXXX, whom was spinned off from OCWEN Loan Servicing , LLC . 
Both OCWEN and XXXX claim they have a right to sell our family home online world wide web thru XXXX, and has connect our home to property I. XXXX XXXX. 
I have researched XXXX XXXX registry of deeds and did not locate any instruments that would give authority to OCWEN and XXXX to sell our home. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXX is an awarded asset in family law, the order has been perfected. 
I believe that a fair solution is to identity clean standing and produce true and genuine instruments ; A fair settlement, not just take my home. 
Comply with Consent Order and Homeowner 's Bill of Rights. 
It appears that my order from family law and discharge order bankruptcy has been refused by both parties. I provided all the required information, such as order from Family Law, Discharge Decree Chapter XXXX, Declared Homestead, Grant Deed, repeated times within the stated timeframes, no response or progress was ever made. 
To my knowledge Ocwen Loan Serving , LLC also XXXX have not filed any documents to establish foundation and enforce a debt, much more threaten to seize our family home. 

I request for a full, fair and complete investigation, under the supervision of an assigned Independent Case Examiner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My lender Wells Fargo has set a slae date for XXXX/XXXX/2016 while asking me to provide additional information for their review of my modification.. I 'm told this is dual tracking.. They have put me under increadible stress forcing me to take legal action. I have repeatedly asked that the sale be postponed until we can provide the necessary documents requested, for review of a modification ... The loan on my home is a neg am loan and i have for over a year been trying to get this toxic loan modified ... Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XXXX/XXXX/16 I applied for auto loan with Wells Fargo for {$8000.00}. We decided to apply for the loan since we have a current auto loan with them and have a perfect payment record with them for over 2 year. Plus we know that our credit score was about XXXX points higher then last time. 
I was disappointed to find that we declined very quickly. Well our credit is n't the best so we were n't too surprised. So we then went directly to a dealership to see if they could get us financed on XXXX/XXXX/16. 
The interesting part is the dealership was able to get us approved for about {$7600.00} car and by none other then Wells Fargo. The same bank that declined us just a few days prior. 
The reason I am issuing this complaint is just recently we ( my wife and I ) received a our declined letter from Wells Fargo. They list my credit score as XXXX and my wives as XXXX. I was shocked by the low score because I check my score regularly and through Transunion before was applied I was in the XXXX 's. I do n't know how they could say we 're more than XXXX points lower. 
I feel this effected us in XXXX ways : 1 ) It caused that we had less options of vehicles to choose from, 2 ) we did n't have a choice on the term, 3 ) and lastly, now we will have XXXX credit inquires for XXXX auto loan. My main concern is how they can have such a low credit score for us when we view XXXX the information is so much different. And then they can approve later. It just does n't make since and we feel that someone should be made aware of this and hopefully their will be an investigation so they do not do this to others.

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