vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HONOR FINANCE, LLC
State: AZ

Complaint narrative:
I paid off my car loan to Honor Finance, I used the same credit / debit card I have used for the past 10 months and am now told that they will not release my title or any other documentation, which establishes that my note is paid in full, unless I send a copy of my credit / debit card as well as a copy of my drivers license. I asked why and they just said it was their rule and their way of making sure that I do not stop payment. How can sending a copy of my card and license assure this company of anything, much less guarantee a payment, which has already cleared my bank? I feel that they are holding my title, for a loan, which has been paid in full as a hostage to gain personal information, which they already have on file. I do not feel that additional information should be necessary as my loan is paid in full, the company is aware of my mailing address and contact information as well as credit / debit card information as they have been processing that card number as payments all along. As far as I can tell, through my research, their steadfast refusal to release my car title in a reasonable amount of time, say 30 days is nothing short of taking my title as hostage after final payment in an effort to obtain information they already have. This is unfair, unnecessary and unprofessional conduct. Any help you may provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a checking account that was set up to auto pay a mortgage I was on with my ex-wife. We divorced and she was deeded the home. At that time ( XX/XX/2015 ), I canceled the auto-draft and my ex-wife opened a new account and set up the mortgage payment from that account. They continued to pull from my account so I closed the account and opened a new one. I noticed the payment was still coming out last month and after further research discovered it has been coming out for 1 year for a total of {$4900.00}. They have continued to pull the payment from my ex-wife 's account as well for a double loan payment monthly. All of these accounts are with Wells Fargo including the mortgage. I have spent countless hours on the phone only to be told today that they are unable to help me in any way. I never signed an authorization to have the payment pulled and even opened a new account to ensure the payment would not continue to come out of my account. The only way they would have been able to pull the money ( since my name is still on the mortgage ) is by right to offset, however the mortgage has never been past due to warrant the debiting of my account. They are saying there is nothing they can do and I will lose the {$4900.00}.

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 2015-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I went through a non-gov't loan modification with Wells Fargo in 2009 when I was laid off due to reduction in force. I ended up paying more and they took 2 years off the beginning mortgage and added 4 years to the back while increasing my interest rate. I do not recall anyone saying my interest rate would change. Also, they are reporting me to the credit bureaus as late payments although I have n't been late in over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/XXXX, I submit a complaint [ XXXX number : XXXX ] about Wells Fargo Unfair banking practices that included no notification regarding issues about banking practices after being a XXXX year customer. I received a response thru your bureau on Tue, XX/XX/XXXX. They admitted their was a misunderstanding that old practices have changed regarding accepting checks made out to " Pay to the order of '' made out on back of Government checks. I was never notified until they closed my account, took my money, was blacklisted for every bank in my area and I received threatening phone calls from XXXX of their representatives. Now it 's XX/XX/XXXX, I get a bill in the form of a XX/XX/XXXX XXXX for the suppose debt related to this misunderstanding, whereby, I never received any money but I did lose money. This claim is incorrect since I did not received any income related to this discharge of debt related to their error. They may have but I did not. I hope your bureau can make Wells Fargo understand that if early notification related to these transactions had been made, I could have corrected the behavior & requested a personal check rather than on the back. I guess as punishment for their mistake, I must pay more in taxes for something I did not get appears fair to Wells Fargo.

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 2017-02-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sent the below to Senior Executives of Wells Fargo Bank, and this is a cc to you, CFPB. Thank you for helping us. 

We will continue our efforts to connect with Wells Fargo 's senior management to communicate the following : 1. We 've been trying to have Wells Fargo review the foreclosure/modification of our loans for many years, to no avail. 
Multiple QWR 's have been ignored. We 're still waiting for complete copies of our loan documents for both loans that we are legally entitled to ; most importantly, copies of the governing documents for XXXX ( i.e. XXXX XXXX XXXX by-laws, article, budget, minutes of homeowners meeting, etc., etc. ) which a group of XXXX loan agents had approved and the XXXX loans that were underwritten by XXXX XXXX. 
2. Investigation and review of such egregious violations may lead to identifying individuals that are breaking the laws for their personal gain, in particular, through their relationship with XXXX. 
We look forward to hearing from someone in senior management and/or someone from Wells ' Legal department.

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 2016-03-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I spent over 2 hrs with Wells Fargo payoff and then transferred to Preservation unit regarding the {$92000.00} Permanent Forgiveness on my Deferred Principal after three ( 3 ) years of Good Standing per my Modification Agreement effective XX/XX/XXXX. As usual no one has a clue. See attached modified agreement. I 've contacted Wells Fargo many times over these past 4 years for other concerns to never get an answer. My other concerns were the continued Negative Amortization on my loan until agreement above, see enclosed XXXX/XXXX/XXXX statement ( Wachovia ) with monthly deferred interest still being applied. The National Mortgage & State of CA settlement in XX/XX/XXXX against Wachovia 's Pick A payment Option were too reverse these Neg. Amortization, from principal immediately and offer a modified agreement with new interest & principal with automatic XXXX award to all class member B which I was at that time. 
My other concerns Wells Fargo payoff could n't explain back in XXXX is the {$200000.00} deduction on XXXX Cancellation of Debt reported to IRS. Where this {$200000.00} was applied? Modified Agreement total with ( XXXX ) principals was {$390000.00}. 
The Neg. Amortization. was applied to my mortgage balance from XX/XX/XXXX through XX/XX/XXXX monthly, but not reflected in the {$390000.00} Modification agreement from a transfer balance of {$490000.00} ( OLD ).

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 2016-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yesterday afternoon, XXXX XXXX, 2016, a woman appeared at my condominium building. Stating that she is with Wells Fargo, she asked the community security guard, XXXX, to phone me. She wanted to meet with me. 

I was not available. XXXX sent me an email message indicating Wells Fargo had left an envelope for me at the building front dsk. 

In this complaint, am providing the Consumer Finance Bureau with acopy of the letter, and envelope left yesterday by the " mysterious and supposed '' Wells Fargo representative, as well information from a consumer complaint website which identifies this phone number as engaged in fraudulent activity. I refuse to contact the phone number. Security Guard XXXX said the woman gave her name, but FAILED to leave a business card. Wells Fargo is not referenced in the letter, nor is the Wells Fargo letterhead or company emblem displayed. Furthermore, a mailing address for written correspondence is not provided. 

Wells Fargo has denied my qualified written RESPA request, refusing to answer even one RESPA question. 

I demand that the foreclosure, scheduled for XXXX XXXX, be blocked. They refuse to disclose who owns my loan, as wells as other loan audit inquiries.

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 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I secured a mortgage in XX/XX/XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XX/XX/XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XX/XX/XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was Americas Servicing Company that claimed to be an injured party on all XXXX credit bureaus starting in XX/XX/XXXX. I have never signed any contract or owe any money to Americas Servicing Company. In XXXX XXXX, XXXX removed Americas Servicing Company from my credit report. XXXX and XXXX refused to remove Americas Servicing Company from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by Americas Servicing Company under fraudulent circumstances. I want them removed from all my Credit Reports immediately. Americas Servicing Company is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even Americas Servicing Company. Please help me resolve this matter as soon as possible

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
As a single mom in need of a reliable vehicle, I purchased a car and received a loan with a high interest rate through Wells Fargo Dealer Services. At the time, I did not know to shop around for loans with lower interest rates. In spite of being taken advantage of, I made every payment on time. I had NO late or missed payments. Currently, I am able to pay the loan off, but they will not process my payment over the phone due to the amount being over {$4900.00}, and they will not process a payment online for an amount above {$800.00}. My only options are to wire the money, for which I will be charged or to mail the payment and allow the interest to accrue for everyday that the check takes to arrive and be processed. While this may be a small amount, for a woman with children depending on her and who was taken advantage of, but still held up her end of the bargain it is an injustice. Wells Fargo Dealer Services seem determined to extract every last cent that they possible can. They have made it costly to get out of this debt.

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 2016-07-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I used my Wells Fargo credit card to purchase XXXX XXXX ticket. On the Tuesday of my flight, XXXX XXXX cancelled the flight without reason. I had to buy an XXXX XXXX XXXX way ticket for {$580.00}. I was very annoyed and XXXX promised to send me XXXX miles to make up for the inconvenience. But they never did. So i filed a dispute through my credit card company. 6 weeks later, Wells Fargo initially told me XXXX acknowledged their wrong and that they ( XXXX ) had promised to issue me air miles. They promised to check my account in 2 weeks and if XXXX did not keep to their word, they ( Wells Fargo ) would issue a refund. called a month later and was told the case was closed but Wells Fargo would happily open the case again.2 weeks later, Wells Fargo sent me a letter stating that XXXX said flight was never cancelled. Case closed. This is the most unbelievable act of laziness, inconsistence and lack of investigation I 've ever witnessed.

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 2016-03-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Currently I have been reported to XXXX and XXXX XXXX since XX/XX/XXXX. Due to identity thief while i was in XXXX many fraud activities happened to me. Such as someone used my checks to make deposits and withdrawl and those checks happnens to be a bad check and i was charged for the all the returns. When i came back from XXXX XX/XX/XXXX, i tried to solve the issue with the bank many times and everytime i call them all i hear is wait 24-48 hours or they transfer the call to some random voicemail box where i can not even leave message. Time has passed and it has been 4 years now, and this problem is still not solved.Wells fargo, XXXX XXXX XXXX, XXXX are the banks im having issue with and i try to reach out to them and its very hard to get hold of them an this needs to be disputed asap

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 2016-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Windham Professionals, Inc.
State: MD

Complaint narrative:
in 2000 I was approached by student loan officials at the University XXXX at XXXX Maryland where my son was attending at that time. I was was told this was a " parent plus loan '' that it was for the student in their name but that the parents were simply cosigners. that was the exact terms used. now these NASTY collection companies are calling me and sending these nasty letters to me. the original loan was for something like {$3500.00} now this collection is sending threatening letters to me telling me they will garnishment my wages for the now amount of {$7500.00}. this was NEVER understood to be my loan. 
I have not talked to my son in over 7 years and I do not even know where he lives or works..

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 2015-12-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My girlfriend paid off a personal loan at Wells Fargo I had. The next month I got a statement in the mail from them with reversed charges and reversed payments which then left a balance on the account that should have closed when she paid it off. That was in XXXX. I just got another statement with a balance of {$460.00}. I tried to get it resolved when the account was paid off, but was told I just need to pay it or it will go on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I lost my job on XX/XX/XXXX, I contacted Wells Fargo and requested a loan modification, it was denied. I was re hired by my prior employer XX/XX/XXXX and requested to Wells Fargo to give me a home modification ; I also begin to do regular payments, I am an XXXX at the XXXX. Members of the XXXX are protected for foreclosure, however Wells Fargo does not recognized my military status and my good intentions to pay my mortgage. I have submitted all the documentations to XXXX XXXX XXXX a home preservation specialist, he however had stated that he have not received them. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Housing Officer ) had contacted them, nevertheless Wells Fargo promise to help and then fail to their promise. The office of family support from the XXXX contacted Wells Fargo, however Wells Fargo was unwilling to help. My home suffered major foundation damage from the flood, in addition appliances were destroyed. I have been paying for all this. FEMA came to my house and witness the damages, I am currently submitting estimates for some of the damages that I have not been able to cover. Wells Fargo had affected my credit ( I am unable to take a loan ), they had affected my mental health ( I am under emotional treatment due to their harassment ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo is reporting my auto loan payment 30 days late when it was n't. The payment was 28 days late and I have the receipt from Wells Fargo that they sent to me proving it. Wells Fargo admitted on the phone that is was a mistake and it 'd be removed from XXXX that day. That was THREE days ago and it 's still on there and today they reported the same to XXXX XXXX. It dropped my FICO XXXX points! I was scheduled to sign a mortgage application today at XXXX but it ca n't happen now, causing me to lose the contract on the house I 've been waiting for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear XXXX, I have been under review for a loan modification with Wells Fargo since XX/XX/XXXX and have sent in all requested documents. In XX/XX/XXXX I sent in by fax and mail ( what I always do ) what i thought was the last set of documents, received a letter stating they received them. A couple weeks later they sent another letter stating that documents are supposedly missing and asked if I 's still like to be under review. I asked them by phone and fax to let me know which documents were missing and they never did. I also stated that I would like to still be under review. Next thing I know they have assigned another person to my review and have started the process all over again disregarding all documents I sent in previously. They said my previous review has been kicked out of the system. I have copies of everything I sent in by fax and email and this does n't make any sense. I would like them to continue where we left off on the XXXX review and for them to let me know what was missing because they are not telling the truth. I am qualified for a loan modification or forbearance and for some reason they do n't want to approve XXXX and it has to do with an investor behind my subprime loan with a 10 year interest only ARM that a mortgage broker and Wells Fargo we trusted got us into. We had a large down payment and very high credit scores and there was no need for a subprime loan with an 10 year interest only ARM. My loan has not moved since XX/XX/XXXX. It has actually increased in amount and now due to the ARM and the payments increasing a year and half ago significantly, I owe about {$31000.00} more on the mortgage. I was not told the truth in the beginning and now they continue this way. Please help with the resolution of a loan modification or forbearance. Please. I paid my payments fine from XXXX with no problems. Then the mortgage went up almost {$700.00}. 
Thank you so much for whatever you can do to help me. 
XXXX XXXX ( XXXX ) XXXXXXXXLoan # XXXX

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 — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After 4 years of trying to obtain a modification from Wells Fargo - ( as explained in my other complaint - XXXX ) unsuccessfully, I am now reporting all and any attempts by Wells Fargo that delay, undermine, confuse, and or subvert and sabotage our attempt to reclaim our home. After 2 months of working with XXXX Home Mortgage Preservation Specialist ( XXXX XXXX ) and sending redundant documents which where then denied were received on several occasions, we have just today been notified of a NEW Specialist, which will start the process all over again. This will only increase the arrears and I believe this to be deliberate. 
There is no question that we are now in a position to pay a reasonable mortgage payment and that has been proved continually. These constant machinations to detain conclusion is damaging, against the law and there is no good reason for constantly switching specialists.

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