vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
America 's Servicing Company ( ASC ) is refusing the borrower 's legal representation to speak on the borrower 's behalf and is also refusing the borrower 's right to obtain information on the the borrower 's own account. ASC was sent Notice of Representation on XX/XX/XXXX ; hereto attached. ASC did not send acknowledgement of his representation until XX/XX/XXXX, hereto attached. The XXXX XXXX XXXX XXXX XXXX XXXX has continued to represent the borrower to date. All correspondence relative to this account is mailed to the address of the XXXX XXXX XXXX XXXX XXXX XXXX. ASC Correspondence began to reflect an associate attorney XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX as the authorized representative without instruction from the borrower or The XXXX XXXX XXXX XXXX XXXX XXXX and is no longer allowing the borrower or the borrower 's legal representative to obtain any information on the mortgage. The borrower has a sale date approaching on XX/XX/XXXX. The first authorization took a turn around time of over 2 weeks for ASC to process the authorization. If ASC takes 2 weeks again to process the Notice of Representation as being requested again it will surpass the borrower 's sale date. This is truly a misjustice to the borrower as well as many other Homeowner 's faced with these unethical practices. On XXXX we attempted XXXX phone calls to speak on behalf of the client and were given XXXX different responses each time we called ; At the end neither the borrower nor the attorney were able to obtain mortgage information due to the borrower being represented by legal counsel. We are requesting an immediate escalation to this matter due to the pending sale date. We are requesting for ASC to reflect the correct represenation as prescribed in the Notice of representation as The XXXX XXXX XXXX XXXX XXXX XXXX. Attorney XXXX XXXX also reflects his name misspelled in all correspondence received from ASC. The authorization should not list an associate attorney of the Law Firm as the authorized representative but should reflect The XXXX XXXX XXXX XXXX XXXX XXXX. ASC continue to stated the XXXX XXXX XXXX XXXX XXXX XXXX is not longer authorized but continues to send all correspondence to said Law Office 's address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My husband and I applied for a modification with Wells Fargo. We began making trial payments in XXXX XXXX. Each month, I would overnight a check from my personal checking account ( signature required at delivery ), to the lawyer representing the bank. The amount was deducted within a few days after the check was received by the bank 's lawyer. We were in the trial modification for 6 months when we found out that the modification was approved. My lawyer, my husband, and myself filled out the appropriate forms and attached the binding check. The check that was sent was to be applied to the XXXX XXXX, XXXX payment. I sent all papers and the check via XXXX the same day. The XXXX XXXX, XXXX payment was not deposited or credited to mortgage loan. I sent XXXX XXXX, XXXX payment the following month, and it was credited to the mortgage loan. Every month, the payment was credited to the loan, EXCEPT XXXX XXXX 's payment. I verified this by monitoring which personal checks were being debited from my personal checking account. My lawyer contacted the bank 's lawyer multiple times to question the missing check, but they did not give us an answer. Every month I would receive a notice form Wells Fargo saying that I was delinquent ONE payment. Finally, when the trial payments were finished and the modification was final, I pushed to have the bank lawyer find out where that XXXX XXXX payment was. I was concerned that the check was lost and this would affect my credit, and interest on the missing payment. The activity report that I am attaching to this complaint clearly shows a consistent pattern that each month the payment was deposited to the mortgage account on the XXXX, except for XXXX XXXX. But in XXXX XXXX, 6 months after the check was sent to the bank lawyer, a second payment is credited to the mortgage account in the amount of the XXXX/XXXX/XXXX payment. I verified that it was the missing check. When this was brought to their attention, they agreed to take off the late fees for the months that the mortgage account was behind, even though I made EVERY payment that was asked of me through the entire process. But there are still fees that are assessed to my loan/escrow account and my credit was affected for those 6 months of which I paid on time. If needed, I can supply each month 's check ( copy ), USPS receipt for each check that was sent ( that required a signature upon delivery ), proof of date that each check was deposited, and proof of when each check was deducted from my personal checking account. The XXXX/XXXX/XXXX check was not deposited until 6 months after it was sent.

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 2016-03-28 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am going thru a divorce and my estranged husband is supposed to make the house payments until I take over XXXX XXXX, per our agreement. He is not making the payments on time, therefore, creating several dollars in late fees. I am receiving phone calls every day, every two hours, several times on weekends. I have explained the situation, going thru divorce so on and so forth. This is very stressful for me and it has got to stop! I understand the payments need to be made, but per the order he is to pay the 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 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
HI. I have written you prior to this. Wells, Fargo mortgage sent out a letter that they are investigating my complaint and we would both have an answer by XXXX XXXX, 2015. I still have not heard from the bank. They were suppose to be reviewing a loan modification for us. 
Our home is still under sheriff sale for XXXX/XXXX/2015 ( it is not suppose to be under a sheriff sale while you are going through a loan modification and should be removed from the list - it is XXXX XXXX sheriff sale number XXXX for XXXX/XXXX/15. In addition, I submitted all the paperwork on XXXX XXXX to do the loan modification and then got a letter back from Wells, Fargo that to much time had lapsed right after I sent in the paperwork!!! They also had an appraisal done and the home is not under water. 
I sent you a letter with all the information on XXXX XXXX, 2015 as well and another complaint afterwards to let you know about the " to much time has lapsed ''. Please help. We live on a farm and have horses, etc. I ca n't sleep at night and do n't know what is happening. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was provided PMI cancellation documentation with my mortgage and on monthly statements, which Wells Fargo did not want to honor. Wells Fargo then stated via a letter and multiple levels of customer service that they would require a 70 % loan to value which could only be established via appraisal. Wells sent a form to determine the appraised value, which had an inflated appraisal cost of {$850.00} versus home purchase appraisal cost of {$660.00}, which suggests that Wells is receiving some sort of alternate consideration from the appraisal company - XXXX or they are intentionally misleading their clients during the closing process. Wells 's most senior customer service, refused to match the pricing of a qualified appraiser or charge the same appraisal cost as was initially charged for the purchase of the home. 

Wells has now agreed to honor the disclosure on my monthly statement and at closing, only after referral to the presidents office and my provision of the statement from closing. However, Wells is still requiring an appraisal for a home purchased 18 months ago when the documentation provided at closing suggests that an appraisal is required only sometimes, the implication of the disclosure is to protect Wells Fargo during a falling real estate market and not just to improve Wells Fargo 's profits. The cost of the appraisal equals about XXXX years of PMI. 

This process has taken months to resolve and suggests that all Multi-Family homes ( XXXX unit dwellings ) are being incorrectly processed in Wells Fargo 's systems in regards to PMI and that Wells has a systematic program to intentionally over charge customers requesting relief from PMI to inflate profits through additional PMI or consideration from 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 non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I submitted a complaint in XXXX regarding my student loans with Wells Fargo Bank. Per their response from the office of Research and Remediation Analyst, I contacted the law firm of XXXX XXXX XXXX XXXX in XXXX, TX. I was told by the law firm to pay over {$1000.00} a month and I explained to them that I ca n't afford it because I have other student loans and bills. Moreover, it is no that I do n't want to pay but my income at the end of the month ca n't meet the said amount. The law firm requested for my two month pay stub, tax returns and a letter which I submitted. I was told to call after two business days. When I called the law firm, I was told to pay {$700.00} for one year, {$1000.00} the second year and {$1500.00} for the subsequent years. I explained once again that it is not that I do n't want to pay but my resources can not meet that payment plan. Unfortunately, I was told to pay with my husband assistance but I mentioned to them that my husband is currently still in school and besides that, he has his own student loans that he is struggling with. 
I have tried several times to contact XXXX XXXX on phone per the response I received but no answer or return call to the messages I left. The law firm has informed me that Wells Fargo has filed a law suit against me and if I ca n't pay what they are demanding from me, they will proceed with the court case. 
Please, permit me to mention that I 'm prepared and willing to pay any reasonable amount in consideration to my expenses which will be between $ XXXX $ XXXX request and appeal is to reduce the {$700.00} to reasonable payment plan that I will be committed. Thank you once again for your assistance in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I had a vehicle loan with Wells Fargo Dealer services and traded vehicle in and they took a ach payment out of my acoount 3 days after they received my payoff check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged a {$10.00} late payment fee by a merchant for a late payment delivered by Wells Fargo 's online bill pay service. Wells Fargo says the fee is my responsibility. Yet the Bank controls the entire process : The Bank chooses how and when to deliver payments. The Bank controls the online bill pay screen that shows how long it takes them to deliver a payment. The bank failed to realize there was a Banking XXXX when means no mail delivery.

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 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account was placed on Forbearance Plan and was told that it wouldnt report as late payment on credit report, but that a statement would be added. Mortgage account # XXXX. During the months of XXXX and XXXX 2015, my account was placed on a forbearance plan, in which XXXX payments were made on time. 
As of XX/XX/XXXX, I called to cancel the plan and all previous past due amounts were paid immediately. Also looking at my credit report I noticed that late payment negatives were placed on my report for this mortgage account showing XXXX days late. This is incorrect because as per the terms of agreement, it states the following : " We will report to the credit bureaus that you are paying under a partial payment agreement for your Wells Fargo Home Mortgage mortgage '' The terms never said anything about reporting a payment as late. All payments were made on time, including the set payment arranged during the forbearance plan. This is the problem. Wells Fargo is saying that they were within their terms, but that is not true. The letter that they sent me in regards to the terms says exactly what I listed about, not that it would report as late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Complaint against Wells Fargo Dealer Services, will not give payout on car loan, filed on my credit report repo on my car and deleqaunt on car loan not so now ca n't even get enough to refinance with another institute, many many phone calls, the rudeness is appalling and down right a personal attack.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My checkng account with navy federal was deactivated because I defaulted on a credit card product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have submitted a XXXX Loan Forgiveness Application to Navient back in XXXX. My loan is with Navient for attending XXXX University. Since then until XXXX they sat on the application with no approval or disapproval and did not contact me on status but instead made excuses it was being processed. In XXXX, they told me it was denied because the signature on the form did not have the title of the person attached ( pety because it is understood by document what title person held ). was told to make changes and resubmit which I did. Since then, I have once again been denied because of a different section that was told was fine before is now incorrect because I checked off more than one option, when it clearly states to check off ALL that apply. It 's now been 6 months since first submission for easy form application but continuous denials for erroneous reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I 'd been paying extra on my loan for years and the way my loan was set up it pushed my next payment due date into the future. So in 2010 ( around the time Wells Fargo purchased my loan from another lender ) my next payment was n't due until this year. So I stopped making payments. 

Many times over the years I logged into the online account to check my balance due and see what I owed since I thought interest may be accumulating. I looked at XXXX different account summary pages as well as downloading pdf copies of my monthly statements. Not XXXX of them listed any accumulated interest. They all said my account balance was {$4000.00}, the same as it 's been since XX/XX/XXXX. I figured since my next payment was n't due until XX/XX/XXXX they must not be charging me interest until then either. So a few months ago I started making payments and just noticed that despite me paying several hundred dollars my account balance was the same. I came to find out I 'd accrued about {$800.00} in interest that was only detailed by going to a XXXX Account Details page via a link on the normal Account details page, that was under an Account summary page. I complained that the Monthly Statements and the account details pages that I 'd been looking at for years did n't detail list the interest, it was only found by navigating through XXXX other pages that said I only owed {$4000.00}. They basically said tough luck, " Your student loan accrues interest daily at a rate of 4.25 % which is variable. Your variable interest rate may change monthly, however youare billed for interest each month based on the principal balance. '' - They say I was billed each month for interest, but the monthly statements did not reflect that in an increase in my total due, or an line that listed the interest owed, or in any other way. 

I feel this is a very dishonest business practice. They knew my next payment was years away and hid the interest they were charging me on a sub-subpage of their website while issuing monthly statements that said what I owed them was unchanged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The day after my monthly car payment is due Wells Fargo calls me constantly, between 4-8 times a day. While I 'm at work, while I 'm eating dinner, while I 'm tucking my kids at night. This has been going on for almost a year despite my constant pleas to them to stop. It 's giving me XXXX and I do n't even want to turn my phone on anymore. Please help me. I do n't know 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 non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, 2016, I received a letter from Wells Fargo Card Services informing me that my credit card account had been closed. ( I am attaching the letter to this complaint ). The reason provided by Wells Fargo was that there have been unusual activity on my account that that because Wells Fargo had been unable to reach me they had closed the account. Please note that I have not been contacted by telephone, mail, email or in any other matter by Wells Fargo concerning any aspect of the account. 
On the same day that I received this letter, I contacted Wells Fargo Customer Service. The customer service representative told me that she did not know why the account had been cancelled. She then kept me on hold for 6 minutes while she supposedly checked with the Fraud Unit. She came back to tell me the Fraud Unit had not cancelled the account, but that the account was cancelled by the Collections Department. I inquired why my account was in collections because it had not been past due and I had received no notifications ever from Wells Fargo that the account was past due. I then asked to speak to a manager. After another 7 minutes on hold a manager came on to inform me that he would transfer me to Collections. After another 6 minutes on hold he came back to state that I would need to send a photo ID to collections in order for them to discuss the matter with me. I found this to be completely unacceptable. At this point, I do n't much care if all of my accounts at Wells Fargo are closed because I am utterly dismayed by the incompetence of everyone at Wells Fargo. However I want to know why my account was closed and ensure that there has been no adverse actions initiated by Wells Fargo against me or my account. I also want to ensure that others do not have to deal with the gross incompetence that I have endured in trying to resolve a matter related to my account. I am hoping that the CFPB can help Many Thanks

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 2016-06-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Bait & Switch predatory lending from Wells Fargo mortgage consultant XXXX XXXX XXXX XXXX # XXXX XXXX. 

He promised me a {$1000.00} credit at closing, {$500.00} from Wells Fargo and {$500.00} through Union Plus. He did n't say I had to do anything, apply for anything, qualify for anything. 

Turns out the XXXX was only for first time home buyers, which I am not, which he knows I 'm not from my first conversation with him, because he requested I write a letter explaining my 2009 short sale. 

Wells Fargo still owes me {$500.00} of the {$1000.00} that was promised to me upon closing. 

I 've patiently waited and called and written letters for 7 months. I want complain through official channels now.

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