vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
iam disgusted that everytime i disput what wells fargo say and tell why i disput what they say the system never allows me to progress forward i have a least XXXX compaint casses all diputed and you have not done anything about it? yet you have fined wells fargo bank for falsifying documants mis acounting, fraud and perjury committed in court .why have you nomade compensation claims against then for the consumer that have not been protected iam disgusted in your prceedure

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Ref : CFPB Complaint # XXXX I believe that Wells Fargo Home Mortgage engaged a dishonest and unscrupulous marketing tactic meant to drive business in which I am a victim of their offer of an exceedingly low mortgage rate meant to attract customers know full well that the teaser rate ( the " bait '' ) was not available. XXXX the loan process was well underway and WFHM knew that after my considerable investment of time and finances with the imminent danger of surrendering a large sum of money if I backed out of the deal, WFHM proceeded to offer the higher rate ( the " switch '' ), thus earning greater commission. I believe WFHM delayed submitting my application for {$10000.00}. down payment assisitance from XXXX, which was consequently denied because the amount of the loan would be significantly lowered, thus WFHM would earn a lesser commission. When I consider the fact that Wells Fargo Bank has a history with the XXXX involving racial discrimination, my experience navigating through unreasonable obstacles that seemingly were meant to deny the loan, after consulting with White customers who have done business WFHM, and being included as a " Class Member '' of XXXX separate court actions against Wells Fargo Bank which were, to the best of my understanding ; each brought forward by XXXX complaintant, I think there is reason to believe that I have been a victim of racial discrimination by Wells Fargo Bank. I believe the figures contained in the Settlement Statements are deceptive and have been fixed to scam and overcharge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I began making bi-weekly mortgage payments on XXXX/XXXX/XXXX. I was told that my mortgage would be paid off earlier my making my payments this way. I was thinking that my principal would decrease when I made a payment but did not realize until recently that the principal on my home loan did not decrease until I made the second mortgage payment. For example, on XXXX/XXXX/XXXX, I made a mortgage payment and my principal balance was {$110000.00}. I made another mortgage payment on XXXX/XXXX/XXXX, but my principal remained at {$110000.00}. My principal did not decrease until I made a payment on XXXX/XXXX/XXXX. This pattern continues until XXXX, and still exists. I believe this is an unfair practice and requesting that Wells Fargo be required ( retroactively ) to decrease my principal whenever I make a mortgage payment. 

Payment Payment Principal Date Amount Owed XXXX/XXXX/XXXX {$870.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00}

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 2015-08-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Primary mortgage with Wells Fargo on Primary Residence has a FORECLOSURE SALE DATE of XX/XX/2015. 

Financial status has just changed, as Social Security has been APPROVED!!! 

Need new MODIFICATION of Wells Fargo Mortgage. Need a Single Point of Contact with Wells Fargo, to review and update the status of Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife and I recently bought a house ; the escrow company we used was suppose to pay XXXX of my credit cards, XXXX with XXXX XXXX which was covered right away within the month the XXXX XXXX was with Wells Fargo which as of today has not been paid. They have me going back and forth with Wells Fargo and the closing escrow officer. Wells Fargo tells me the check was rejected while the escrow closing officer states the funds have been withdrawn, that the check was cashed by Wells Fargo on XXXX/XXXX/2015. Im still paying interest on that credit card and yet no one can tell me where that money is to pay off the credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: IL

Complaint narrative:
I hold a CD account at KeyBank NA - Key Direct. The account is held in a Revocable Family Trust and I and my wife are the Trustees. Upon its expiry in XXXX XXXX and during the 10 grace period, I contacted the Bank to terminate the CD and return my funds. They asked for another of the Trust, ( which was originally provided when I first opened the account and was subsequently provided at their request a number of years ago. ) I sent them the XXXX copy of the Trust and a Letter of Direction on or around XXXX XXXX, XXXX. I heard nothing from the Bank. After a number of weeks I contacted the bank and inquired about the matter. They told me that the Letter of Direction needed to be notarized - which was not part of their original instructions. A notarized Letter of Direction was prepared, signed and notarized in my attorney 's offices. The letter was sent to the Bank on XXXX XXXX, XXXX and subsequently on XXXX XXXX, XXXX. At no time did I ever hear back from the Bank. Today, XXXX XXXX, XXXX I called the Bank to again to inquire. I was told the date on top of the letter ( when I wrote it ) of XXXX XXXX, XXXX did not match the date of the notary signature which was the next morning XXXX, XXXX when we signed the letter. Additionally, they seems to have a problem with the Notary 's stamp which clearly states she a Notary of the State of Illinois and her commission expires in XXXX XXXX. For 6 months the bank has refused to close the account and send me back our money. They make up a differing rule or requirement every time I seek to satisfy their requirements and never have the contact me with an update or request it has always been up to me to reach out to them and figure this stuff out. Frankly, I now consider that this issue has gone beyond poor customer service and is a matter of actively obstructing me from my money and quickly approaching a criminal act of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I went to close my mothers IRA at a Wells Fargo branch. I have power of attorney. I even provided the original documents. Both the banker and the main office denied the document. They obviously did not bother to read it as Section B clearly states I have the right to close the account. Per their own admission, the account will simply sit in limbo no once could advise on what to do.

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 2016-06-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I received XXXX cards in the mail today, unsolicited, from Navy Federal Credit Union. These included a Visa credit card under my name, a Visa debit card under my name, and a Visa credit card under the name of a total stranger. I did not request these cards. I called Navy Federal and canceled the cards, but they could not tell me how or why I was sent these cards. I believe that sending unsolicited cards is not legal and seek your advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 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: OR

Complaint narrative:
Good Morning, I am writing you today in hopes to obtain some debt relief. I attended XXXX XXXX in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. While attending XXXX XXXX I was given false information in regards to job placement, salary, and loan amounts. After graduation I had not help with job placement and advertised and now the school is closed down. After hearing this news I tried to obtain copies of my Official transcripts, but what was sent to me was completely the wrong program and dates. I am now left with a useless degree, wrong official transcripts, zero help from the school since they are closed now and a mountain of debt for a useless degree. 
Recently I found out that my may be able to have a federal loans foregiven, but they are mostly paid off now. I am hoping to make contact with Wells Fargo and See what my options are for forgivness or partial forgivness. I have found a few articles to help support my argument. 
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 2016-07-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Dealership Services ... ... charged off my account while knowingly waiting for insurance payments from my gap insurance. They refuse to delete the charge off on my credit report. There customer representatives constantly lied to me during the whole process which took 6 mos to rectify. I was the only person making calls in reference to my joint account. This company lacks professionalism ... .and honesty. I have done nothing but communicate with them during this 6 month period. In return, I get a deragotory statement on my credit report as if I was refusing to pay them. I kept in contact with them even though they did not contact me back.

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 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
MORTGAGE SERVICING PROBLEM : My extra principal payments were applied incorrectly toward future monthly payments resulting to more interest earned by the Wells Fargo Home Mortgage. This issue started in XX/XX/XXXX of which I already contacted the servicer XX/XX/XXXX and some corrections were made. However, in XX/XX/XXXX - I noticed that the issue reappear and I again contacted them and they did reversal of misposted principal payments resulting to about XXXX reduction of principal balance. A XXXX was sent to me for XX/XX/XXXX tax filing. However, the account activity was not received until XX/XX/XXXX and upon review of the XXXX pages mainframe screens, there were still few transactions in error. On XX/XX/XXXX I contacted them again and they open a new case for the same unresolved postings. After further review, they corrected the payments again which resulted in a new XXXX. The amount of the interest received in the new XXXX dated XX/XX/XXXX is different from the XXXX issued prior on XX/XX/XXXX that was filed already with tax return. Hence, I am obliged to amend my tax and will be charged by my accountant. The servicer is refusing the assume the fee of my accountant. I feel that due to their errors, they should be responsible for reimbursing accountant fees. Not to mention the many hours I spent auditing the payments - reviewing my payments, statements and all the reversals/posting of transactions. To date there were the previous requests of misposting date of payment XX/XX/XXXX and XXXX/XXXX/XXXX @ {$310.00} and XX/XX/XXXX - {$320.00}. There is also a principal payment on XX/XX/XXXX for $ XXXX and XXXX and XX/XX/XXXX for XXXX that were reversed but appears to have only been applied as {$11000.00}. On XX/XX/XXXX the Principal unpaid balance was XXXX ; on XX/XX/XXXX - it was XXXX. After one more extra principal of {$500.00} and interest payment - the balance in XX/XX/XXXX is {$28000.00} amounting to only {$280.00} being applied. The website customer service application is not able to provide how my money is posted online in amortization table. NOTE : Their system was posting payments correctly prior to XX/XX/XXXX. Anyone who are making extra principal payments to this servicer should review their account activity.

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 2016-02-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
About three yrs. ago, my husband was notified re : stolen credit cards and identity theft. The people who stole his cards spent over {$12000.00} with his cards. Everyone except Wells Fargo immediately refunded our money back to our card balances. Wells Fargo kept over {$4200.00} of our money and refused to refund our HARD-EARNED MONEY. XXXX, XXXX XXXX, XXXX and XXXX refunded back to us nearly {$8000.00} by doing the right and honorable thing. How can these MONSTER-MEGA BANKS steal money away like that and get away with it? Someone needs to go to prison for this! Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo created an account for me and my girlfriend because we wanted to open a joint account. I had an existing account with them, and they said they would close it, and they never did. 
Consequently, I was charged monthly service fees and overdraft fees because the account had a {$0.00} balance because THEY XXXX the balance and lied about closing it. 
I spent days trying to get my account closed. I even sent follow up e-mails and no one responded to me. The reps I spoke with were XXXX XXXX from XXXX XXXX, PA, and someone named XXXX from XXXX. I also spoke to a female rep from XXXX who was extremely rude. They all lied to me and caused many problems, and costed me much money and time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have put in a dispute with XXXX, but nothing became of it. I am looking for some one to help us with American Servicing Company XXXX mortgage. Our payments were close to {$2300.00} a month, my husband lost is job with XXXX. Went through a Lawyer firm we paid {$2900.00} and after a month and a half said they could not do any thing for us, We lost that money. We are dealing with XXXX XXXX who is doing their best getting our interest rate down and lowing our payments to what we can afford. We have not paid a mortgage payment since XX/XX/XXXX. Husband is XXXX XXXX with our son, giving him XXXX % of the pay checks. He dose not work he dose not get paid, just like this XXXX Holiday. I 'm working making XXXX biweekly working for XXXX My credit went from over XXXX + to XXXX, even with Preferred Law working to help us paying them {$650.00} a month for 6 months. Please look into this for us we really need someone to get down to the bottom off this and find someone who is willing to work with us until we can get back on our feet and be able to pay a mortgage payment. We are really struggling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I am currently not eligible to get any student aid from school as I only have XXXX credits but yet I have to pay. I tried to get a private loan with Wells Fargo but got denied due to credit. How does one pay for school with no 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 2016-03-22 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
Security Finance without my knowledge or with out me signing loan papers found family members numbers and contacted them and spoke about the " loan ''. They also contacted my workplace and spoke with them about the loan. They wantedHRs number and address to strike a deal to garnish my wages with no court order.

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 2016-11-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
New Complaint : We are responding to Wells Fargo Mortage letter dated XX/XX/XXXX with the Loan Modification Denial Appeal Form mark with bold numbers ( XXXX ) at the bottom of the page received on XX/XX/XXXX. 
For the record, the letters dated XX/XX/XXXX, authored by XXXX XXXX does not address this long standing issue with Wells Fagro Mortage of not providing us a denial letters in a timely manor from a number of Loan Modification Applications submitted. 
Additionally the copy of the XX/XX/XXXX letter in your XX/XX/XXXX mailing does not show or indicate which employee at Wells Fargo Mortage dispatch that letter to us. More troubling, the XXXX XXXX letter showed it was authored by XXXX XXXX. However our records show a letter ( see attached ) dispatched to XXXX XXXX on XX/XX/XXXX was still inquiring about our request for an Appeal after receiving a phone call from an undified person from Wells Fargo Mortage advising us our Home Affordable Modification Program ( HAMP ) application had been denied. More importanly the attched XX/XX/XXXX to XXXX XXXX followed by an XX/XX/XXXX letter to XXXX XXXX, the same deceptive employee who ignored all our telephone calls and correspondance, which you asking to contact, futher validate our continue furstration and distrust of Wells Fargo Mortage. 
While we are addressing the most recent deceptive behavior by Wells Fargo Mortage employees of creating denial letters for the Banks in-house records and intentionally not mailing it to us, our records show going back to XX/XX/XXXX, XX/XX/XXXX, the same fradulent activity existed. 
On a very important note, while Wells Fargo Mortage and its employees continues to mislead the State of California office of the Attorney General, and Consumer Financial Protecting Bureau ( CFPB ) with same in-house fraudlent letters created for the sole purpose of circumventing California Home Owners Bill of Rights. We as victims of such fraud will challenge legally any foreclosure sale initiated by Wells Fargo Mortgage against the property pursuant to California 's Homeowner Bill of Rights see ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. XX/XX/XXXX ). 

Considering the forgoing, we are requesting without further delay for Wells Fargo Mortgage to demonstrate good faith by resolving this long on-going issue which first originated in XX/XX/XXXX, when Loan Modification underwriter XXXX XXXX perpetrated a Bait and Switch Loan Modification on us.Additionally Wells Fargo Mortgage is violation of CFPB Dual Tracking as stated in the attached XX/XX/XXXX letter advising our home was in active foreclosure while numerous pending Loan Modification Issue have not been resolved.

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