vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELLS FARGO PROPERTY LOSS DEPARTMENT IS ILLEGALLY HOLDING FUNDS THAT DO NOT HAVE ANYTHING TO DO WITH PAYING MY CONTACTOR. THEY LOST THE CHECK FUNDS SENT bY MY INSURANCE COMPANY FOR {$2700.00} XX/XX/XXXX. MY AGREEMENT WITH THE CONTRACTOR IS THE INSURANCE COMPANY PAY THE {$2700.00} AND I PAY THEM THE REMAINDER ( {$1900.00} ) OUT OF POCKET. WELLS FARGO PROPERTY LOSS RECEIVED MY RECOVERABLE DEPRRECIATION CHECK FOR {$5200.00} THAT WAS SENT TO ME. NO CONTACTOR IS OWED FROM THIS AMOUNT. INSTEAD OF CORRECTING THEIR BLUNDER AND HAVING THE INS.CO. REISSUE THE {$2700.00} CHECK THEY ARE TRYING TO ISSUE THE RECOVERABLE DEPREC. CHECK TO ME AND MY CONTRACTOR. THIS IS ILLEGAL. THEY ARE TRYING TO CHANGE/USE FUNDS THAT HAVE NOTHING TO DO WITH THE CONTACTOR AS THOUGH ITS ALL THE SAME. THE CONTRACTOR TOTAL BILL IS FOR $ XXXX-XXXX ins co = XXXX that i owe out of pocket and agreement between me and the contractor at installation.this action is fraudulent illegal. wells fargo once again has over stepped their authority making rules robbing consumers they don give a XXXX about. they have place money in a restricted account that was not intended for that purpose. the insurance ADJUSTER and wells fargo employees ME told the recoverable depreciation was something i had to get form the ins co. by sending a certificate of completion that was done. they told me the mortgage com. didnt have anything to do with the rec/depri. but now they are trying to steal these funds from me. They have refused to let me speak with management in this department stating no one handles my claim its randomly processed with no one person. so everytime i call its always something different an all lies i 'm tired of being victimized

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 2017-02-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am a XXXX, I sent Wells Fargo a financial instrument for {$26000.00} dollars registered mail through the XXXX. also insured, return receipt. It is legal tender for my debt and was told that they will not honor it and will not return it with an explanation telling whats wrong with it which is against the law. I 've done my administrative process to try and resolve the issue with no result. I would like to file a complaint on this very urgent matter.

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 2015-03-26 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: TN

Complaint narrative:
My bankruptcy ended on XXXX/XXXX/2015 and I received verification from my lawyer that those that I had XXXX loans with have been notified. Out of XXXX lenders, Wells Fargo was the only XXXX that I had not received bills from since then. 

I received a letter today ( XXXX/XXXX/2015 ) stating that my loan has been defaulted and I need to pay the full amount. I was also given the option to try and work out a payment schedule but my only option to do that is by phone. Unfortunately I ca n't afford to make that call or to have a phone. 

I hope through here I can facilitate some type of electronic communication to get this resolved. I also prefer electronic communication so I have the documentation for my records in case I need to go to court regarding this issue as I will need to represent myself and need the documentation on my end of my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
thjs is my story i will try to make this as short as posibleI brought my home in XX/XX/XXXX or XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX my financier was mortgage lenders network after maybe a year my lone got sold to another lender then at least two or more lender brought the lone, each time the lone got sold interest rate went up and taxes also when my lone got brought by american services company after six month i attempted to try and get my lone change to a fixed lone i was successful at 8.4 % doing this time everybody was trying to get there home modified so i went on line and attempted to contact XXXX and all of a sudden calls started coming in, a law firm called residents protection law center connected with and told me that they can help so went for itstarted submitting papers i went into active review with american servicing company for XXXX years til residents protection center out of California by the way went M I A and my lender told me that i was in foreclose and i need to leave a s a p i tried short sale that didnt work so i went in a deed in lue and gave up the keys for cash. XXXX years later now i see on my credit report a death of XXXX pluss .american servicing company says there is no death and now the say there is no records of that lone i faxed proff the wells fargo and wating on a responceim sorry i tried to make it short ps i am sdding documents also to you for help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding has reported false information. They have illegally re-aged this debt. The original debt from XXXX XXXX was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. 

I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with Midland Funding or XXXX XXXX. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XX/XX/XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. 

I would also like to report to CFPB to notice it says original creditor XXXX XXXX Nevada when in truth it is just XXXX XXXX. Are they both the same or is that just another scheme. 

ThanksXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I submitted an application for a short sale in XXXX XX/XX/XXXX To this date, 15 months later, I have gone through XXXX realtors and XXXX buyers waiting for Wells Fargo to simply submit the information for processing. I submitted all requested documents in XXXX of XX/XX/XXXX. Each month, I would get kicked out of the short sale process just to be put in again and start the process of faxing over again of tax returns, bank statements etc. Each buyer has backed out of the deal and my realtor has confirmed that the buyers have gone elsewhere to purchase. I have had XXXX or XXXX Wells Fargo negotiators, XXXX Home Preservation Specialist and at least XXXX processors. Processors do not return phone calls and nor do Home Preservation Specialist. It took me over three weeks to get a payoff because the XXXX " Team '' would not call me back. My concern is that they are simply trying to wait me out until I quit but I am going to see this out until the end simply because their process is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 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: TX

Complaint narrative:
Wells Fargo is not treating me fairly or as a customer. They are withholding information because they want to as a result of fore-cable collection actions and causing other accounts to become delinquent. It has been 42 days since I have requested information and no proper action has been taken by Wells Fargo. Instead of treating me fairly like a normal customer they are sending me blanket legal responses that do not resolve any issues or provide me with information I need to move forward. 

I have made my requests much shorter and simpler. On XXXX XXXX I made a request of who I could get in touch with regarding funds and I was told I would get a response by XXXX XXXX, 2016.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have long ago paid off my credit card account that was in collection with Wells Fargo Credit Card Services. I 'm asking desperately to please have this account deleted from my credit report hence the fact it 's preventing me from making any financial decisions in the future such as applying for a loan to buy a house or saving for retirement etc. even Wells Fargo themselves continually denies me for such things even though I 'm qualified. Nevertheless, I would like this matter settled.

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 2016-02-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Hodosh, Lyon & Hammer, PC
State: RI

Complaint narrative:
I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have no idea how this showed up on my credit report because I have only authorized Wells Fargo to do a hard inquiry on my credit when I was applying for an Auto Loan.

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 2015-04-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
About two years ago, I attempted to move from my small townhouse with my XXXX children. The mortgage lender asked how was my credit. Since I knew I had no negative information on my report so I replied great. My mortgage lender pulled a copy of my credit report. As we reviewed the reports I was in total shock. Navy Federal Credit Union LLC was reporting a completely false debt which was causing a denial of the loan. We 've been struggling for the past 3 years to improve life for our family and give our kids a stable home just to give it all. I knew the account was not mine so I wrote my first dispute to Navy Federal Credit Union 120 days ago stating that I may be an identity theft victim and as a result I wanted to see legal verification that this debt was approved or accepted by me. My first request was completely ignored so 90 days ago, I wrote another request and I even attempted to get a police report. Turns out you can not get a report if the incident occurred more than 12 months ago but I still tried. Then, approximately 45 days later I received a letter from them stating that they find the account to be accurate. How is this possible, they had not provided legal proof or proof of identity? I re-stated that the account was not mine and added in that this was my 3rd attempt and that they had still not provided proof per FCRA & FDCPA requirements in the event of identity theft they again stating that they were reporting accurate information and that they do not need to supply the requested information only that they have my name and address correct. How is this possible that someone can just say they have your name and address correct and you owe them a debt without no contract or legal proof whatsoever. How do they even know they have the right person???

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My employer XXXX offers a 401k as part of benefits which is maintained by Wells Fargo. I get paid ( electronically, of course ) Friday of every week. Every week my 401k contributions are deducted and sent to Wells Fargo. For some reason, it takes until the following Thursday before my funds appear and post to my 401k account. Every dollar I contribute to my 401k is being held from my possession by Wells Fargo for 6 days. Are they using it to float short-term loans and keeping the profits for themselves? This practice is unacceptable and unethical.

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 2017-02-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX I submitted a application for the Making Home Affordable Plan. Wells fargo sent a letter dated XX/XX/XXXX requested a the Benefit letter and social security award letter for my husband and my latest two paystubs XXXX and tax returns for any contributing non -borrower. On XX/XX/XXXX, I received a letter from Wells Fargo which listed 16 requested items received by Wells Fargo and 6 missing items. On XX/XX/XXXX I received a Denial Letter for Wells Fargo Proprietary Step Program a program which I did not apply for. The Denial letter list only one program that I was reviewed for and did not offer any details of the evaluation process or what was used in terms of qualifying us the interest rate used or if the amortization method used. I feel that Wells Fargo did not want to review for the Making Home Affordable Program for which I applied.

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 2015-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an application for mortgage assistance sent to my loan servicer, Wells Fargo. Wells Fargo has not indicated that there are missing documents. Wells Fargo has been reviewing my application for several weeks. Today a representative from my servicer indicated that there will be no written decision and that Wells Fargo will conduct a foreclosure sale on XXXX XXXX, 2015. Wells Fargo knows that I am entitled to a written decision. Furthermore, Wells Fargo knows that if the decision is a decline I am entitled to a XXXX day appeal period. Wells Fargo is simply attempting to see what they can get away with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am doing a short sale and this was being done with HAFA. This is a backup buyer because the last buyer walked. We submitted everything exactly as it was previously approved and now WellsFargo is saying that the investor will not give the correct amount to the XXXX lien. It is very clear what the XXXX guidelines are, my agent even sent them the guidelines but they refuse to work according to those guidelines. After waiting all this time they declined my application. I need the relocation assistance to move from my property and the XXXX lien will not take the amount they are offering because they know the guidelines as well. They just approved them to get XXXX with the last buyer and now they want to change their mind. If they are going to benefit from HAFA and the incentives they get for working with it they should follow the rules just like I have to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
UNFAIR PRACTICES and CHEATING BY WELLS FARGO I have saving & checking accounts and debit & credit cards with Wells Fargo. I used by my debit card to make an online payment. I had more than sufficient balance in My saving and checking accounts to pay for the transaction in full, however to settle the transaction the bank only used money in my Checking accounts and for the rest unfairly used over draft facility tied to my credit card. So while I have cash balance in my saving accounts I have been charged overdraft fees and interest for an overdraft on my credit card. THIS IS CHEATING as logically and as a fair business practice the bank should first be using money in saving account and not my credit card. I request your help to resolve the issue

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 2015-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I filed a complaint with cfpb a few months ago regarding my lender Wells Fargo not working with me in order to get mortgage assistance and/or payment arrangements. Well I lost my home as a result and now they are blocking assistance to do a short sale on the home. XXXX they authorize the start of the short sale in XXXX, but then did not release it out of modification until XXXX XXXX, 2015. Wells Fargo assigned a consultant XXXX XXXX, who would never return my phone calls. Once I was able to speak with XXXX we agreed to proceed to do a short sale IN XXXX 2015. Me and my agent XXXX tried several times to contact XXXX to release from modification status and failed to reach her. Left XXXX messages to do so and finally XXXX XXXX, 2015 my account was moved from modification status to foreclosure status BUT now the sale date is XXXX XXXX, 2015. Wells Fargo made it impossible for my agent to list it as short sale and now due to Wells Fargo lack of communication and lack of action, we now only have 2 weeks to proceed with the short sell. Also, I ask about the HAFA program because I heard about it from a friend and was given the run around. Wells Fargo unprofessionalism has caused me to possibly miss out on taking advantage of doing a short sale as well as the XXXX program. I ca n't tell you how frustrating this process has been. When I initially contacted Wells Fargo I was behind XXXX month ( XXXX ) {$710.00} and was in the next month ( XXXX ) which could have been paid and a payment arrangement for XXXX could have been made. I was told they would not accept that because it was a partial payment, they do n't accept partial payments. Instead it was in modification until XXXX at which point I could not afford the {$6700.00} past due amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo and Co. wrongfully closed my Roth IRA account number XXXX during 2016 without my authorization. I have had this retirement savings account for more than a decade and I know Wells Fargo wrongfully closed my account because I can no longer view my account information online. As such, I am seeking the CFPB assistance in order to recover my proceeds as soon as possible from 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 2016-12-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I sent Wells Fargo a certified letter on XX/XX/2016 for validation and proof of the account that they 're claiming that I had with them for a auto loan. Wells Fargo has failed to provide me with the necessary information proving the burden of proof that the account belongs to me within the XXXX days by law that is allowed by the FCRA. They 're reporting twice on both XXXX and XXXX for the same account but with different amounts and XXXX using the name Wells Fargo auto finance and the other using XXXX Services. This is totally unacceptable and against the law and a violation of the FCRA.

Company response to consumer: Closed with explanation