vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo 's cross-selling practices were also a culture in the mortgage bank and their predatory lending practice is resulting in foreclose proceedings on my home in New Jersey. 
During the modification request process, Wells Fargo reassigned my loan to XXXX XXXX who started foreclosure proceedings last year. After I sent documentation to Wells Fargo showing that they had extended XXXX loans to me instead of the XXXX loans I thought I had over the past 12 years, they had suspended the foreclosure proceedings and approved a short sale without my requesting one. 
These XXXX mortgages and lines of credit ( LOCs ) amounting to approximately {$4.00} XXXX were extended to me between XXXX of XXXX and XXXX of XXXX when my annual salary was in the low $ XXXX and my credit scores were in the low XXXX. As a result of the crash in the housing market and deaths in my family, I have had extreme financial difficulties and hardship in repaying these loans. I tried on numerous occasions to get permanent modifications but was only approved for temporary ones. After numerous denials, I was forced to short sell my properties and I am now left with my primary home which is under water. I owe over {$300000.00} more than what my home is worth, as Wells Fargo falsely appraised my home for more than what it was worth to provide the line of credit. 
All my loans were interest -only and as my primary home loan and line of credit approached the 10 year mark where it was due to reset to a principal and interest loan that I could not afford, I tried several times to get a permanent modification or forgiveness of the line of credit but Wells Fargo was not willing to work with me and reassigned the loan to XXXX XXXX to start foreclosure proceedings. 
After sending my letter to the Executive office in XXXX with the details of the XXXX loans, Wells Fargo has been sending monthly letters stating that they are conducting research on the predatory lending practices. Every month I get a letter that they expected to complete their research by a certain date but they keep extending the date. I think that this is a stalling tactic so that they can foreclose on my home. 
Even though they are still conducting research, they restarted the foreclosure proceedings because I did not get an offer on the short sale by XXXX XXXX. 
With more knowledge and experience, it 's now clear to me that these many loans were extended to me, so that my Wells Fargo mortgage broker could gain more commissions based on the incentive structure created to profit the bank. This is predatory lending and I would like this to be investigated. Attached is the spreadsheet with the details of the XXXX loans.

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 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and XXXX refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad 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 2015-07-27 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
WELLS AND COLLECTION AGENTS AND ASSIGED LAW FIRMS FOR LAWSUIT DOCKET XXXX XXXX XXXX CIRCUIT COURT OF XXXX COUNTY WAS SERVED TO US VIA MAIL AND IN PERSON, REFUSED SUMMONS AND KEPT GETTING CALL FROM ALL PARTIES FOR XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX MY ESTRANGED FAMILY MEMEBERS. CALL CELL, WORK CELL AND SKIP TRACED XXXX IN VIOLATION OF FDCPA TCPA THIS WENT ON FROM XX/XX/2009 TIL NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Bonial & Associates, P.C
State: CA

Complaint narrative:
XXXX hired a retired XXXX and XXXX, as well as XXXX, whom determined they where victims of mortgage fraud. They actually did not recieve a mortgage or loan invalidating the claim of BUCKLEY MADOLE, PC. From a hand writing expert that determine XXXX XXXX of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and is no longer is notary. XXXX determined for last 8-9 years XXXX of XXXX county has been practicing law from the bench a high misdameanor, Most all public servants pensions are based on fraudulent mortgage backed securities about 63 %. Also, XXXX did not have XXXX form or XXXX on file as required by law. Thus, all preceding were done without impartiality, jurisdication or authority, and are void, not voidable. Thus, XXXX was treated as MONEY and was monetized and cashed paying off house immediately, Money that XXXX created providing the signature as per XXXX, XX/XX/XXXX. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX, AND XXXX, XXXX, AND XXXX WERE all put into a government conservator-ship. This process was set up from the XXXX and XXXX. Using XXXX ( XXXX ). and XXXX whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of XXXX either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/XXXX has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with XXXX, then the party took out additional loans from XXXX. 
We should be able to file a claim against BUCKLEY MADOLE, PC, and XXXX XXXX, XXXX, AND XXXX. XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim FOR XXXX COMMOM LAW COPYRIGHT VIOLATIONS. 
BUCKLEY MADOLE, PC XXXX XXXX, CA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX, XXXX, after just purchasing my home, I bought new furniture from XXXX Furniture through an installment plan, with a credit card financed by Wells Fargo Bank. The agreement was that if paid in full with a year, there would be no interest assessed. Unfortunately for me I lost my job in XXXX of XXXX with the only income coming from from my XXXX husband 's XXXX check. In spite of this, I have never not made my payment within 30 days. 

I was dismayed and outraged when I looked on my statement in XXXX XXXX to find that the {$4000.00} in payments i had made on this account was dissolved by the {$2500.00} in interest charges deducted from my account, now placing my account in a {$7300.00} deficit. Wells Fargo deducted in excess of {$1200.00} in XXXX and XXXX of XXXX as interest charges and when I called them to protest this, they berated me and told me if I paid {$5300.00} immediately they would waive the fee. I believe the interest charged on my account is usury, illegal and contemptible!! Wells Fargo is too big a bank to inflict such harsh charges on people struggling to make a life and pay their bills on time.

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 2015-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Thank you for this opportunity. I have been banking with Wells Fargo for several years and have several accounts. The account in dispute is my business banking account. Over the course of one year I have been charged in excess of {$1700.00} in overdraft fees. It is so confusing the way the charges appear in pending status and then are re-ordered once posted. Most times, they do this by paying the highest charge first. For a couple of years my debit card would decline and not allow for over charging my account. Then suddenly, charges would drop off and/or was allowed to over charge my account. The confusion and financial hardship that I have endured has been so exhausting to no avail or cooperation from the bank other than a few reversal here and there. I have cancelled my debit card and only use atm card for my accounts. I now transfer money to an easypay debit card to use for purchases and bills. After filing a complaint with branch manager, XXXX XXXX and not hearing from her for weeks, I finally reach a business banker named XXXX who stated today they would not reverse anything for me. XXXX I do not need this in my life and would like to switch to a different bank BUT I am stuck as I have a merchant service account too and it will cost me for early termination. I appreciate your assistance and thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX I bought {$4100.00} of Furniture from XXXX. The offered a 12 month interest free payment option from Wells Fargo. The order states No interest if paid in full within 12 months, interest will be charged to your account from the purchase date at rate of 27.99 %. The delivery of furniture was XX/XX/XXXX. I made regular payments as required and paid the balance in XX/XX/XXXX. XXXX 's terms of the sale state all orders must be paid in 48 hours prior to delivery. That date is XX/XX/XXXX. I am being charged {$1200.00} of interest because Wells Fargo says the full payment was due XX/XX/XXXX. I missed the date by a week. Why I was confused was I made another small purchase in XX/XX/XXXX and that payment date was showing XX/XX/XXXX. I have excellent credit and had full intention of paying in full by XX/XX/XXXX. This is very misleading and seems to be a calculated attempt to confuse and trick consumers into missing the deadline and charging an obscene amount of interest! Did Wells Fargo pay XXXX the full purchase price on XX/XX/XXXX? If not is that date relevant? Needless to say I am not paying {$1200.00} or the reduced amount of {$930.00} I was offered. The regulations of XXXX were put in place for a reason. I am not unreasonable but this is and I need your assistance to intervene on my behalf. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXphone XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
NOTICE OF WELLS FARGO BANKS, N.A. MATERIAL VIOLATIONS UNDER CALIFORNIA HOMEOWNER BILL OF RIGHTS ( HBOR ). 
See attached letter dated XX/XX/XXXX which demands that Wells Fargo Bank comply with California 's XXXX. 
Because Wells Fargo Bank has refused to comply with California 's XXXX, and given the evidence that Wells Fargo Bank has committed fraud and altered documents in my specific case, I am asking the Consumer Finance Protection Bureau to forward my CFPB case files to California 's Attorney General so that this evidence of fraud can be presented to the grand jury now authorized under California 's Senate Bill No. 1474. ( see attached CALIFORNIA SENATE BILL No. 1474 Approved by Governor XX/XX/XXXX.Filed Secretary of State XX/XX/XXXX. ) Wells Fargo Bank is knowingly and intentionally concealing from the Consumer Finance Protection Bureau and Courts evidence of fraud and lack of an accounting for this loan. Attached are several relevant court cases which categorically prove that despite Wells Fargo 's denial of wrongdoing, they are in fact committing fraud upon our Courts and Governmental Agencies. 
As a result, I have also decided to bring claims against Wells Fargo Bank in both State and Federal Court. 
VERIFIED COMPLAINT FOR INJUNCTIVE RELIEF AND DAMAGES UNDER CALIFORNIA HOMEOWNERS BILL OF RIGHTS : 1. FOR DECLARATORY RELIEF ; ENJOIN FORECLOSURE FOR INVALID BENEFICIARY, IMPROPER TRUSTEE [ C.C. 2924 ( a ) ( 6 ) ] 2. TO QUIET TITLE TO REAL PROPERTY ; 3. CANCELLATION OF INSTRUMENT [ C.C. 2924.11 ( D ) ] ; 4. PREVAILING PARTY FEE AWARD CC 2924.12 5. UNFAIR COMPETITION LAW [ C.C. 2924.12 ( G ), B & P CODE 17200 ET SEQ. ] ; 6. FRAUD/MISREPRESENTATION/DECEIT ; 7. FOR AN ACCOUNTING ;

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 2016-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over XXXX years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for XXXX years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.

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 2015-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Every month Wells Fargo Home Mortgage increase their number of calls to me From about the XXXX of month. Grace period is to the XXXX. I always pay before the XXXX. 
It will start on the XXXX with XXXX to XXXX calls and then by the XXXX XXXX it is up to XXXX to XXXX. I kn ow I have to pay the mortgage. 
Also they will not work with me on my 8.8 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My bank mailed a check to Wells Fargo on XXXX/XXXX/15. I have confirmation and can send you an image of it. Wells Fargo claims the mail did not arrive until XX/XX/2015. The payment was due on XXXX/XXXX/15. Wells Fargo charged me {$38.00} for a late payment and will not waive the charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Stein, Wiener & Roth, LLP
State: NC

Complaint narrative:
I, XXXX XXXX make the following dispute against a law firm that avoided legal precedent pertaining to a lawsuit I filed in federal court XXXX 2015. Even though this firm was successful obtaining an order of foreclosure on my home, the guidelines have been established for decades of federal over state law intervention. I hereby attach copies of various letters to this law firm, as well as my claim that the XXXX defaulted in the legal process answering the initial legal claim. Even though my federal claim takes precedent, this law firm continued its foreclosure action avoiding my rights under several statutes including my rights under the Fair Debt Collection Practices Act. I request a full investigation on this illegal action against my home located in XXXX, New York. I request the Consumer Financial Protection Bureau to use my case as part of its ongoing process to protect consumers against abusive collection and/or foreclosure processes. My federal claim is still in process in the Northern District of New York, XXXX As Trustee, et al. Even though I still hold possession of my property, this very same law firm has extended its fraudulent practices by submitting an order of eviction with the county sheriff 's department to force egress into my home, evict current tenants and cause other financial hardships that are not legal. My complaint to the Federal Deposit Insurance Corporation and XXXX are hereby attached for review. 
Even XXXX eventually submitted a law firm on record to defend their position giving the case validity. XXXX defaulted on answering the complaint by three months from the legal guidelines. It is the taxpayers of the United States that are eventually paying these extraordinary legal fees to defend fraud being procured against private citizens. The federal case I filed in XXXX of 2015 is still a valid claim, and all aspects of this claim and declaratory judgment must be addressed before any future foreclosure actions can persist. For that matter, the initial foreclosure actions violated my rights under the Fair Debt Collection Practices Act, and an additional lawsuit will be filed against the firm in this matter, Stein, Weiner & Roth, LLP. This abusive process, whereas law firms turn a blind eye on the rule of law can not exist in a society built on rules of law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My husband and I purchased our XXXX home in XXXX through Wells Fargo Home Mortgage. Our home flooded in XXXX, XXXX and XXXX. We decided in XXXX to move out due to me being XXXX with our XXXX child and the house being unhealthy to live in due to XXXX. We were told the house was going to cost more than it was worth to fix it. We paid on it for a year after we moved out because we were unsure what we would do. We decided after that year we would try a short sale, when that did n't pan out we decided foreclosure was our only option. We went through the process and the house was put up for auction and foreclosed on on XXXX XXXX, XXXX. My husband is a veteran and we were told that it may be possible after XXXX years to try to purchase again through the VA. We called a friend in the mortgage business to see about being pre-approved and found out our names are still on the deed to the home we no longer own. It was a third party buy back by Wells Fargo XXXX the original lender ). I have called them, they had me call the foreclosure attorneys XXXX and XXXX. they informed me that HUD had n't given them instructions on what to do with the home due to the fact it is damaged. I called HUD and they told me to call the XXXX and they sent me to you all. We need our names off the deed of this home to be able to purchase a new XXXX. The house we live in now is a rental and the rent is going up in XXXX of this year and we will not be able to afford what they are raising it to. We really need to be able to purchase again so we wo n't run into a living situation when that time comes around when our landlord raises the rent. Thank you in advance to any solution that can be brought.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I borrowed XXXX dollars about XX/XX/XXXX from Cashnet.com. I told them I do not get paid until the XXXX of each month on my social security XXXX .They called me after less than a week to get paid then I filed for an extension when they said the loan was due on XX/XX/XXXX. Then when I paid them today-XX/XX/XXXX they charged me over XXXX. This is price gouging. I sent them a complaint and when I called them today after they were paid they would not speak to me but kept me on hold for along long time so I hung up. Is this legal? My account number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation