vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Went to a Wells Fargo Branch to apply for a HELOC. The Loan Officer asked me some questions regarding the amount I owed on my home and how much I thought it was worth. I responded the best I could with XXXX amounts. The Loan Officer ( XXXX XXXX from the XXXX XXXX informed me that I would not qualify for a HELOC as my Loan to Value ratio was too high based on the estimates I provided ( Wells Fargo HELOC caps at 85 % LTV ). He quickly offered another product ( non-collateralized personal loan ) for which he did take a complete application. Ultimately I was declined based on my Credit Bureau score being out of range for the product. I subsequently went to another bank, where I made the exact same request for a HELOC. The Loan officer there immediately began the process of taking an application for the HELOC, which incidentally I was conditionally approved. I am not sure how Wells Fargo knew that I would n't qualify without taking an application for a HELOC, but decided to take the application for the personal line of credit. I did some investigation and found that under the Equal Credit Opportunity Act ( Regulation B ) that the answer I received from XXXX XXXX regarding a HELOC would constitute a Declination without an application. Additionally, moving me to the personal Line of credit without taking an application for the HELOC would constitute steering, which is prohibited. It is also my understanding that these actions would be a violation of the Federal Fair Housing Act ( Title XXXX of the Civil Rights act of 1968 ). I am an XXXX XXXX Female, and feel based on the actions presented that Wells Fargo is in violation of both ECOA and FHA based on discrimination based on race and gender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
When I was younger, Wells Fargo practiced Predatory Lending by giving me an intial home equity line of credit for {$25000.00}. They then increased it to {$45000.00} and then ultimately increased it to {$120000.00}! They knew I was never going to be able to pay it back, and now, 12 years later, my balance is still, {$110000.00}!

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 2015-06-12 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: NJ

Complaint narrative:
I can not believe that Wells Fargo has made such a huge error and reported me late on XXXX 2015 when I made a payment. This brings me to question and dispute all the late payments they are disputing and I wonder how many times I made a payment and they still reported me late. This is not fair and for someone who is trying to get caught up on this student loans and do the right thing, I ca n't seem to get ahead because of the blatant error made by Wells Fargo. I am in the process of applying for a mortgage and this is now delaying the entire process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I am very disillusioned with the United States Credit Reporting system. Exorbitant medical billing causes financial burdens and can be used to ruin peoples credit numbers. 

This puts retired people like myself to resort to payday lending companies that charge 300 % interest and will not listen to reason like reducing the interest to 50 % .. 

Then they use tactics to make things worse. 

CashNetUSA original company. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This firm represents XXXX XXXX in his modification. In XX/XX/XXXX Wells Fargo told XXXX XXXX that if he stopped making the payment they would modify his loan. XXXX XXXX comjplied and stopped making payments and in XX/XX/XXXX was approved for a HAMP Trial Modification. XXXX XXXX timely made his 3 trial payments in the amount of {$1500.00}. Then XX/XX/XXXX he was told by Wells Fargo that he would be receiving his permanent package XX/XX/XXXX. When he did not receive his permanent modification package, XXXX XXXX contacted Wells Fargo on three separate occasions and was told that they had no record of a modification. Soon after that they proceeded with his foreclosure case at which time XXXX XXXX retained our firm. 

XXXX XXXX reapplied for a modification at least XXXX times over the next years. He was denied a modification because he did not qualify for an in-house modification and Wells Fargo would not review him for HAMP because they stated he already had a HAMP modification in the past. This is incorrect because Wells Fargo never sent him the permanent HAMP modification package in XX/XX/XXXX. 

Finally in XXXX XXXX, XXXX XXXX was able to obtain a HAMP modification. He made three trial payments in the amount of XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Wells Fargo. He accepted his permanent modification in XXXX XXXX for payments in the amount of {$1700.00}. He continued making the {$1700.00} payments for XX/XX/XXXX and XX/XX/XXXX. Approximately 2 weeks ago, XXXX XXXX received his XXXX XXXX statement informing him that the payments have been increased to {$1700.00}. Last week he received another statement stating that his XXXX XXXX payment and the next 59 payments would increase to {$2100.00}. XXXX XXXX can not afford this increase and the increase does not comply with HAMP guidelines. Please help. 

On another issue, XXXX XXXX received settlement checks from his insurance company to repair the roof. He sent the first check in excess of {$4600.00} to Wells Fargo and they told him that they would not give it back to him to fix the roof. The check was cashed by Wells Fargo. XXXX XXXX has an additional check to repair the roof in the amount of {$15000.00} but this check is also made out to XXXX XXXX and Wells Fargo. XXXX XXXX is afraid to send Wells Fargo the check as Wells Fargo has not sent him any money from the first check. XXXX XXXX needs his roof repaired desperately. We need some type of guarantee that Wells Fargo will release all the funds to XXXX XXXX in order to fix the roof. If the roof is not repaired his homeowner 's insurance will increase to over {$5000.00} per year. It will double until the roof is replaced. Please help.

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 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
After running into some steep medical bills we fell behind on the mortgage payments. Wells fargo offered to rewrite the loan at a higher risk interest rate ( 9.5 % ) and roll the over due payments into the revised loan. They also told us that after 3 years of on time payments the rate would be reduced ( 6 % ) and we would be returned to the regular risk pool. It has been 4 years now since we have had a payment more than 10 days overdue and because the high risk department was collapsed into the general bank during the mortgage crisis, no one will even discuss that provision with us. Every phone call is redirected until it is cut off or gets to a message machine that is ignored, with no return. At the same time there is a {$300.00} balance in an unassigned funds category on my statement. which when asked about I am told they have n't been paid yet. The fact is that I usually overpay some and they are just holding that overpayment instead of paying the principle down.

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 2015-05-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXXXXXXXX/XX/XXXXPayPal CreditXXXX XXXX XXXX, XXXX XXXX : My " Account # XXXXPROBLEM : XXXX : " US Regulator orders PayPal to pay XXXX in refunds, fines '' AN OBSERVATION : This is precisely why The Consumer Financial Protection Bureau ( CFPB ) was so desperately needed in the first place. 

ACTION REQUIRED : 1. Close Account Immediately ( never wanted ). 
2. Repair Credit Rate with XXXX, et. al. 
3. Go forth and sin no more. 

SUMMARY : Now I get it -- an " account '' I never wanted, but suddenly found myself in a XXXX computer-driven billing system that seemingly could not be stopped -- or even clarified. 

The original charge of {$38.00} ( paid by check # XXXX of XX/XX/2015 ) along with a request to cancel -- unacknowledged -- should have ended this farce. No, not a farce, an out and out scam. Predatory plain and simple. 

Be ashamed. You have brought dis '' credit '' and scandal to PayPal and true-credit to the CFPB. 

Rectify and indemnify immediately. 


XXXX XXXX XXXX XXXX : CFPB XXXX Consumer Protection Bureau XXXXState Consumer Protection Bureau XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I orderd some clothes off the internet online XXXX compiney was Chief- Inforcement apereal.com $ XXXX # XXXX and the other XXXX was XXXX XXXX XXXX XXXX and am a Student I.D. # XXXX IL. XXXX where thay where deliverd at was XXXX XXXX XXXX XXXX XXXX MN. XXXX Ph # XXXX The dead line is here and I wont my clothes Bank where the transactions would have been made was Wellsfargo XXXX XXXX XXXX XXXX MN . XXXX Ph # XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo runs their escrow analysis in XX/XX/XXXX and refunds you any overage in your escrow account. Your payment for the insurance and taxed are due in XX/XX/XXXX and therefore the escrow account will be low, which in turn causes a shortage and thus not only do you have to pay the escrow shortage, the mortgage also increases. The explanation seems beyond reason that the consumer must continue to have and increase in their mortgage when it show only be the shortage from the escrow account that needs to be addressed.

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 2015-11-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
For over a year now, I have worked diligently and relentlessly ( with Wells Fargo Home Mortgage ( WFHM ) ) to purchase an estate property ( via short sale ; the owner had a reverse mortgage ) - all to no avail. WFHM 's procrastination and misdealings ( conveniently for them ) caused several appraisals to expire ( the first of which I submitted, in a timely manner, all of the requested documents and a deposit/earnest money ), only to have WFHM do XXXX additional appraisals ( with significant price increases - specifically, WFHM 's last appraisal is $ XXXX higher than their initial appraisal ). To make matters worse, WFHM did not send my initial dispute ( appraisal ) to HUD ; and ( although WFHM said I could submit the outside appraisals and market analysis/comparable report ), WFHM is not really considering the XXXX outside appraisals and the comparable report submitted ( for the disputes ). I have reached out to several WFHM employees ( from Home Preservation Specialists to the CEO ) and continue to get the runaround and/or conflicting info. I have done everything requested ( by WFHM ) ; now, time is long overdue for WFHM to conduct themselves ethically, efficiently, and professionally ( to process the short sale ). In the interim, while this longstanding snafu is being " worked '', I am very concerned that the property will be foreclosed on XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have XXXX had until yesterday XXXX a Dillard 's credit card, which is administered by Wells Fargo. I generally have paid my bill for Dillard 's online, and have typically received an email confirming my electronic payment. This month, Wells Fargo also sent a letter by mail to confirm scheduling an electronic payment. 

On XXXX I called Wells fargo to request that they not mail a confirmation to me in the future, to stop sending paper, and was told by a supervisor XXXX XXXX XXXX that by law they have to send both an email and a hard copy letter. 

I asked why they are held to different standards than other credit card companies ( this is Wells Fargo XXXX. My accounts with XXXX, XXXX, XXXX all confirm my payments by email - they do not also mail confirmations. Wells Fargo insisted that all credit card companies also have to mail confirmations every time an electronic payment is made, and that this is mandated by law. This made me question why I do n't receive these from my other credit card companies. 

I was curious whether this was true - so researched further. What I learned, and then confirmed on XXXX with a different Wells Fargo supervisor ( XXXX XXXX, that this is not law, but simply Wells Fargo policy. Wells Fargo chooses to mail me a physical confirmation every time a transaction takes place. 

The law only requires that a credit card company mail to me the first time I pay online. For Wells Fargo, the only paper I can request to stop is the delivery of credit card statements and catalogs. 

I told the supervisor that I happily forgo the pleasure of carrying a Dillard 's card in order to avoid the paper. 

I did n't like the lie told to me by the first supervisor - until questioned further, the supervisor claimed this as law, not policy. Big difference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
WELLS FARGO LOAN # : XXXX REQUEST TO APPLY OUR " Cash Balance '' FUNDS to First Trial Payment due XXXX/XXXX/16 Wells Fargo has offered us a 3-Month trial payment plan for {$2100.00} per month starting on XXXX XXXX, 2016. We currently have $ XXXX sitting in a " cash account '' which we 'd like to apply for the XXXX XXXX, 2016 trial payment. We will easily be able to pick up the XXXX XXXX, 2016 payment and be in good financial standing for the new streamlined modification loan we were offered. 

XXXX XXXX, my account representative, told me twice on the phone that I could receive a check with these funds and he would expedite it, then he placed me on hold, came back and informed me, " I can not issue you this check and we can not apply these funds to make our payment ''. Please pull our phone conversation from Tuesday, XXXX XXXX, 2016 for the most recent misinformation spreading to a customer in need. 

I do not believe it is legal for Wells Fargo to hold our funds and I 'm requesting that your company make an exception and apply these funds immediately, so we can start the " XXXX Streamlined Mortgage which puts another {$200000.00} in the pockets of Wells Fargo '' and if not, we are requesting a full explanation along with the statute and law that allows the bank to confiscate these funds or hold them in limbo, when they could easily resolve our current situation with a simple transfer of unapplied funds. 

Wells Fargo is threatening to start foreclosure process if we do n't make the XXXX XXXX, 2016 payment. We also spoke to XXXX XXXX, XXXX, who also confirmed this misappropriation of our cash balance funds. When I asked to speak with her manager, " XXXX XXXX '', she rudely denied the request vehemently which coupled with resulting in my overwhelming distress and unnecessary upsetment causing severe emotional trauma. 

XXXX please help us resolve this amicably and simply apply the funds that our legally ours to help us start the streamline program on XXXX XXXX, 2016. We have XXXX young children with special needs and this is the only asset we still own. Please help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My sister and I attempted to close our aging father 's professional account at Wells Fargo. My sister worked closely with the local branch and followed their directives. But, even after 6 months the bank continued to reject the paperwork presented. Anticipating our father 's further decline, we hired an estate attorney to help us close the account. Even after appointing me as an officer of my dad 's company and presenting new documentation which followed the bank 's directive, the bank again refused to move the money to my mother and to close the account. The entire time the balance of the account was depleted through bank fees from around {$1800.00} to around {$1000.00}. In the end, Wells Fargo refunded the entire original balance of around {$1800.00} plus some a " consumer satisfaction credit '' and transferred the funds to my mother 's account.

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 2016-08-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Loan with Wells Fargo. It is best to read all the letters that I will attach with this complaint to get a better idea of all of the the things they have done. Basically, they offered me a loan modification, went thru the 3 test payments then when I received the actual terms in writing they were not what was promised. This violated XXXX. Civ. Code Section 17770, et seq. & the case of XXXX v Wells. It was also a bait and switch. In fact, I would eventually be paying 2 % higher than I am currently paying. After I turned them down they started a pattern of harassment. They would constantly call me for payment, which had already been sent & cleared my bank. I hired an attorney who sent them a rep. letter. Yet, they continued to call in violation of the FDCA. Their next tactic was to arbitrarily change my escrow payment re property taxes. they wanted to charge me over {$200.00} more per month then they came to despite being given the actual tax bill. Then for some strange reason they stated they had " unapplied '' funds of mine for over {$2500.00}. They never explained why. They then arbitrarily changed the name on my statement from my name to my attorney. That has hurt me in trying to refinance since the statement is not in my name. My attorney wrote them to have them change it back to my name and they responded that as long as I am represented they ca n't do that. My attorney tried to settle the case with a proper loan mod. Their response was that I had to apply again. I did. And of course, they turned me down for no proper reason. The most recent tact is all of a sudden they sent a letter saying I am over {$8000.00} in arrears, plus another {$1300.00} in late fees. Now, they subtracted the {$2500.00} in " unapplied '' funds saying I am in arrears {$7000.00} in arrears and they are ready to start foreclosure proceedings. This all despite the fact that I have made every monthly payment & have the canceled checks to prove it.

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 2016-03-11 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Integrated Recovery Services
State: MN

Complaint narrative:
XXXX at Integrated services XXXX ext XXXX called my employer to verify employment and told my employer that they needed to verify my hours so they could send someone to serve me with a summons. This is after I had told them not to contact me at work and to mail me a letter stating that they can collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I applied for a loan for a used vehicle through XXXX XXXX in XXXX SD. I received a rejection letter that was based off credit reports with information that is soon to be outdated. The bank that rejected my application was wells fargo and I highly feel that due to my address on my application which is on the XXXX XXXX is a reason for rejection also and this is a form of racial discrimination from wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Employee Discrimnation denial of bank accounts closure. Every account that Wells Fargo opens is being close premiered he to stalking Fraudlent charges against the victim account.

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 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Paid account for wellsfargo on my report, please remove

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