vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am in correctly being wrongfully reported as, " late payment '', on my car loan. I bank with Wells Fargo and have a car loan with their, " Dealer Services '', division of Wells Fargo Bank. I sent XXXX payments to Wells Fargo through their bill pay portal attached to my checking account to pay for my Car loan payment. In XXXX occasions the payments were not processed immediately, they were processed several days after I had authorized the payment and thus rendered late by, " Dealer Services '', claiming that they are separate divisions and if I want a payment to be process immediately I have to do it through the dealer portal, which I since have started to do. The last payment that was authorized on Saturday the XXXX / XXXX / XXXX and was not processed until the XXXX/XXXX/16 on the other end of the, " Dealer Services ''. This is the same bank, Wells Fargo, and they have deliberately reported negatively to stop me from pursuing a refinancing on my car loan that is at an Extortionate rate of XXXX % for this loan. They refuse to refinance it and are attempting to sabotage my credit score by withholding payment and not processing my payment on time to impact my credit score. 

Please help me take these negative listings off as they are the only negative information that is on my credit report and impacting my ability to qualify for a mortgage loan. 

Thank you very much for all your help and great service you provide to the consumer.

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 2016-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Applied for a loan through XXXX homes. I was told I needed {$3000.00} down for a VA loan for the home I was applying for. The housing devoleper says I 'll get extra money if I go with their lender Wells Fargo. I agree and start to fill out the paper work. Later find out that I did n't and was n't supposed to to put down {$3000.00}. I need {$0.00} down with the XXXX Next Wells Fargo has XXXX different loan applications open in my name. XXXX different numbers. I have to redo paper because of an " error ''. I saw on the new they were being sued and looked into it and made some phone calls and found out how scary bad they were and awful they could be to their customers. They call me about more paper work. A letter explaining why I save cash in a safe at home and borrowed money from my mother for convince to make a deposit on the house. They did n't like the way it sounded so they wanted me to lie and say it was a gift from my mother. Their reasoning, it would make it easier on them. I did not feel comfortable lying or frauding paper work to buy a house. They were persistent about it in my opinion. Being a XXXX veteran and having very limited income I feel like I was conned out of my savings. I also feel like they used me to make it look like there are more loan applications and then they wanted me to lie to hurry the paper work along.

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 2015-09-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc.
State: WI

Complaint narrative:
I had a valid student loan account with the Department XXXX. I sought to consolidate the debts and filled out an application to see which loans they would include in the consolidation. They would not tell me until I filled out an application. After Filling out the application I wanted to compare their offer with other options. They informed me I had fifteen days to cancel the consolidation and that I would never again be able to consolidate these loans. There was much discussion at which point I had to cancel the consolidation because the terms offered were unfavorable and unreasonable. They instead went through and consolidated the debt under unfavorable terms. They even continued accepting payments under the old terms and did not apply the payments towards my loans. I had no reason to suspect they had in fact consolidated my loans until it was too late and they refused to fix their mistake. They still refuse payments and refuse to comply with the terms of the loans I took out. I have multiple documents and notes I can submit for this issue. I need you to tell me which ones are relevant and what you need. Please contact me to discuss. Windham Professionsals is XXXX multiple companies that are either trying or have tried to collect on what appears to be the same debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have XXXX private student loans through wells fargo. I pay and have paid each month since the inception of my loans. I often " pre-pay '' or pay early depending on my pay days. I was not aware until today ( some XXXX years later ) that if I pay prior to the issuance of a billing statement that, rather than apply that money towards the monthly amount due and owing, wells fargo instead makes a double payment for the prior month and then shows me delinquent the following month. This has created a snowball effect where I am paying early but because they applied a previous months payment to the prior month thereby doubling the payment, I am then delinquent and when I think I am paying early, due to their applications of payments, I am actually paying a false delinquency. I have called previously and was never told I can not pay early. So now, I have faithfully paid my student loans for XXXX years and they have falsely reported that I am delinquent to my account which is now on my credit report. I find it inconceivable that because I paid an amount early, before a statement is issued, that I would be penalized the following month with bad credit reports and late fees. I have never missed a monthly payment yet because according to them " I can not pay a bill before it is issued/exists '' that I was correctly reported delinquent despite pre-paying the loan. I spoke with the Wells Fargo, also disputed my credit report and have not had the problem fixed. They simply repeat that I because I paid " considerably early '' I was delinquent the next month and the credit reporting was correct. I have never had this be an issue with any other institution regarding an auto loan, a personal loan, and/or other student loans. I can say with total honesty, what they are doing is deceptive and probably has affected other similarly situated borrowers. I am lodging a complaint here as well as considering initiating a class action against Wells Fargo. Penalizing a borrower for paying early so that they can collect late fees and/or report false delinquencies is the definition of bad faith. I am extremely disturbed that such a practice would continue despite their other rulings for bad credit practices etc. Be warned, if you pay a student loan payment before the " Statement is issued, '' it will go to an extra payment for the previous month, you will be deemed delinquent for that month, and you will have a negative report issued to the credit bureaus. Wells Fargo did nothing to work with me to understand the issue but simply repeated the false refrain of " Our credit reporting was correct. '' This is the worst banking institution I have ever dealt with. Avoid Wells Fargo like the plague.

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 2016-05-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Update : XXXX Looking at document called Amortization Schedule. I have a 1st and 2nd mortgage. As of XXXX XXXX, XXXX, the outstanding Principal Balance for my 1st mortgage is {$34000.00}, and my 2nd mortgage is {$78000.00}. The second mortgage would be silent until the house is paid off. I will be dead by then. But say the children were living in the house? Then that would be their gift from Wells Fargo Bank. This looks to me like the same {$78000.00} missing from XXXX XXXX, XXXX. XXXX XXXX and the lawyer XXXX XXXX knew they were after the money before my XXXX documents were signed. For shame. According to My Amortization, my Principal Payment is {$110.00}. I am currently paying over {$500.00}. My mortgage payment is {$740.00} per month. Wells Fargo was selling me to XXXX Mortgage Company on XXXX XXXX, XXXX with this NPV Input Data Values Document. I would have to pay that until I would finally lose my home. My total income per month is {$1200.00}. XXXX XXXX has retired from practicing law and lying in the sun somewhere. I am suffering. I do n't have enough food. I need extra health care, but ca n't get it because Wells Fargo wants a mortgage payment twice a month. If I do n't give it. They will use their power to foreclose on my house. I am learning a lot about home mortgage. As a single parent working XXXX jobs, and going to XXXX at night I never looked over my mortgage. Even when I got really sick, I always relied on the mortgage people to handle payments. I had attorney XXXX XXXX going over my paperwork. She was in XXXX and I was in XXXX. It never crossed my mind that anyone never alone her, would pull such a thing. XXXX did the Closing on this house. Oh XXXX, I do n't even know if I own it. I trusted everyone. When you get as sick as I was with children living out of the country, what do you do? Well, I got a XXXX XXXX in finding out about my mortgage. That gang-related bunch of Mortgage Preservationist over at America 's Servicing Company has made my life unbearable at many times. But I lived to see this day. 
Everything I say is right over there at A S C. Just go to the database. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. Do n't worry if you were n't mentioned here, I will later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Riverwalk Financial CORPORATION
State: TX

Complaint narrative:
I was contacted by a 3rd party, in which I thought was a government entity, to help me pay down my student loan payments & to consolidate them all to XXXX. I was in the process of getting a car but they could not give me a loan because they saw i had a {$54000.00} student loan that processed in XX/XX/XXXX. I was not aware of this because to my knowledge I thought I had already paid it down and it was reported on my credit as paid in full, stated in the email I received in XX/XX/XXXX. Come to find out the $ XXXX {$1000.00} I spent thinking it was going towards my loan was actually not going towards it at all. I contacted the services who has my loan still showing and told them about what happened & they advised to me that I paid XXXX XXXX party to consolidate my loan when that service it 's actually FREE! I am a recent college graduate & it is so unfortunate and unfair that they scammed me like this knowing I 'm fresh out of school and vulnerable to things like this. I spent $ XXXX- {$1000.00} I did n't have to try and pay my student debt so that I can finally get things such as apartment, cars, or even a good job because now they do credit checks. I am hoping to obtain my money back so I can put it towards what it actually was intended for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have been trying to get a modification from Wells Fargo and again they have just strung me along? I have a detailed letter to attach to explain in more detail of the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Home Mortgage sent inaccurate information about my payment history to the credit reporting agencies. Wells Fargo stated that i was late with my payment in XXXX of 2013. 
In fact, this information is inaccurate and misleading because I was never late with my payments and I always was sending my payments before due date. There is no shred of evidence to support Wells Fargo Home Mortgage report that my payment was received late. The WFHM reporting is not accurate and in violation of the Fair Credit Reporting Act. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
The loan company called my mother, stepfather and sister on numerous occasions discussing my personal and financial information. 

Additionally, this loan company discussed with my family members their intent to go to court, garnish my check and make harrassing phone calls.

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 2015-08-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have a credit card with Wells Fargo. At this time, I have three different promotional balance 's on my account. ( They offered special finance of 0 %, for 15 months XXXX Because they claim to apply extra payments to higher interest amounts XXXX, I mistakenly assumed they would add my extra payments to the promotional balance ending soonest. Having checked my last few statements, I see that is not the case. The majority of the money is being applied to the balances with the furthest out end date. When I contacted Wells Fargo, to inquire as to how I might stop this, so my extra payments will be used as intended, I was told that was not possible. I was told they had no way of applying the excess money to any one balance. When I pointed out that that is what they were doing, only in their favor, not mine, I just kept being told he knew how frustrating that must be! When I asked yet again, how I could have the extra money applied to those balances expiring first, he just kept telling me it was not possible. 
At this time, I have no interest charging amounts on this account, only these XXXX special finance balances, which are accruing no interest. I assume that is how they can get around applying the extra money to those amounts expiring the furthest out, but it still does n't seem right, because this will cause me to have to pay interest on these amounts, as they expire. If the extra money was being applied to those expiring first, each amount would be paid off before it expired, which was my intention. 
I would like to know if this is legal, and if so, why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo lost my request in 2011 for help when I thought I would not be able to pay for my home loan. PLEASE HELP find it. 
It was sent to XXXX XXXX at 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 2016-09-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi I decide to write this letter because recently I 've been doing research and is appalled by what I discovered. The more I read on about the SCAM that Wells Fargo and American Services Company is responsible for pulling off its amazing how a XXXX dollar company is allowed to take advantage of the citizens of this country. 

The problem started when I had trouble paying my mortgage that I had with Wells Fargo. I had family problems which caused me to fall in default on my loan. My monthly payments at that time were about {$1800.00}. After speaking with Wells Fargo the solution I chose was to refinance the mortgage with a company called American Services Company. My new payment every month will now be about {$2000.00} every month. 

Now this is where the SCAM comes in. American Services Company now told me I did n't have enough money in my escrow so the following month my mortgage payment would be raise to {$3500.00}. ASC and Wells Fargo were well aware of my financial capabilities as well as my financial vulnerabilities. They chose to exploit the vulnerabilities. 

Numerous times I called ASC and tried speaking to customer service reps and every time they told me that there was nothing that can be done. I just refinanced an {$1800.00} a month mortgage to a {$2000.00} mortgage by making a few budget cuts and financial sacrifices. 
Unfortunately the problem still did n't stop there. My mortgage was now {$3500.00}. I was able to get {$3200.00} and sent ASC a check. ASC sent the check back and responded they would n't accept any partial payments and charged me with late fees and interest. The following month it was the same thing. Now if I did n't have {$7000.00} plus the late fees and interest ASC was n't interested in negotiating or accepting any partial payments. So overtime these charges just accumulated. 

This same story happened to citizens all over America. I read before that the attorney general had a settlement with Wells Fargo. Why are they still allowed to foreclose on people 's home

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 2015-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In order to afford buying my home 10 years ago, I had to take out a XXXX mortgage. At the time, I only qualified for an ARM from XXXX. After the XXXX year, my payment jumped and I was struggling to pay my bills. I did n't want it to continue climbing, so I talked to my bank, Wells Fargo, about refinancing my loan to a fixed rate. My ARM was above 7 % and I was able to get a fixed rate of 8.39 % from Wells Fargo on a HELOC. At the time this was a positive thing, as I was not in fear of not being able to pay it since it was fixed. Then in 2008, the market in the DC metro area collapsed and my home value fell over XXXX from what I paid for it. At the same time mortgage rates dropped, wages were stagnant, and the cost of living increased. 
Since then, my home value has rebounded some, but is still 40K below what I paid for it. I am struggling to pay my bills and because of negative equity in the home, I have been denied at every turn. 
I tried the HARP program with the federal government and did not qualify, I talked to reps at HUD, FHA, Wells Fargo and numerous other financial institutions and I have been unable to obtain a refinance. Recently I reached out to my Congressman and Senators about helping work with Wells Fargo to obtain a refinance or a rate reduction. Recently, Wells Fargo denied my inquiry and had me apply for a refinance, which they denied due to negative equity in the home. 
I am a car accident, replacing my non-functioning AC system, or a broken aging appliance away from not being able to pay Wells Fargo what I owe them monthly. I am current on my payments, have good credit, and want to pay my obligation, but if " life '' happens in any way, I will fall behind and not be able to pay. 
I have run out of options and need this rate reduced or a refinance or I risk default on my loan and foreclosure. Even in foreclosure, I would be at risk of a lawsuit because Wells Fargo would likely not get anything due to the negative equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My mortgage was originally serviced by XXXX as a construction mortgage. Since then my mortgage was purchased numerous times and the current mortgage holder is Wells Fargo. I believe at this point that Wells Fargo is fraudulently foreclosing on my property. They do not provide me written documentation but claim that they will be removing me from my home on XX/XX/2016.

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 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a party added to my account without my authorization. The party was added and logged under the banks system in XX/XX/2003 but this was not physically possible. The bank claims that I signed a blank form and that provides authorization. This 3rd party has a bank levy that 's impacting my accounts as well for a debt that I do n't owe. The bank refuses to remove the 3rd party without his signature but added his name without my authorization

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