vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have tried to open a new bank account and I was denied. I received a report that wells fargo has purged me. My account was wrongfully closed on XX/XX/2015. Because a neighbor of mine who also works at wells fargo falsely accused me of harassing her while I was at the bank, taking care of my own banking business. I was taking to my banker at her desk and there is video surveillance to proof I was only dealing with my banking business. At the time I had a check for {$95.00} to my doctors office and wells fargo said they will still pay it. But several months later my doctors office in formed me it had bounced. And this is what is reported on my banking data. This district manager who falsely reported me to XXXX is the one who got my account closed. Wells fargo was not exercising their right to close it before she falsely accused me of harassing her. She falsely accused me once before and thought that, she got away with it then she would start giving me trouble again. Wells Fargo did have bias against me because of her when they closed my account. I still have the letter from XXXX. I tried to apply for a new bank account. Wells Fargo knew exactly what they was doing when they reported this false information on my credit report. This employee XXXX is making my life a complete nightmare. This is very " Unethical Behavor ''

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 2016-05-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XXXX/XXXX/2016 I submitted a notarized affidavit of fraudulent transaction to Wells Fargo for charges that I never made or authorized. Wells Fargo allege they did an investigation and said no fraud occurred despite XXXX letters from myself stating such and the fact that the bank the money they said the money was forward to I do not have an account. I have forward a police report, notarized affidavit through the FTC, and they refuse to adhere to the Consumer Protection Act and the Fair Credit Reporting Act under the FTC. In XXXX certified letters and XXXX phone conversation to Wells Fargo Unit I have requested the full account information so that I may complete the police report to seek charges against the suspect ( s ). To date all correspondents state I can have all information included in their investigation upon request ; however, to date Wells Fargo has refused to provided me any the information which they say but has to date refuse to provide and in fact in phone conversation has stated they can not give me that information of my account activity. To date Wells Fargo has never initiated a call or any communication with with me for any details or facts of the theft. All actions, reports and follow-up have been by me trying to get the matter resolved and the information of the suspect to seek criminal charges. In XXXX of my calls the Wells Fargo Fraud to follow up on if their was any investigation being done, the representative did ask me if I had an account with Bank XXXX XXXX ending with XXXX. I told them I nor any authorize user have a checking or saving accounts with Bank XXXX XXXX. To be sure no account was fraudulent opened or existed in my name, I contacted Bank XXXX XXXX and forward the information to Wells Fargo Fraud Unit of the Bank XXXX XXXX Fraud representative I spoke to that there are no accounts in my name and that they can not identify the owner of the account without the full account number. Wells Fargo either is trying to make me pay for their mistake or they are trying to aid the suspect in their fraud efforts but in doing so they are in violation of the consumer protection act and Fair Credit Reposting Act by keeping the fraudulent charges on my credit and not correcting the fraudulent charge after being notified within the stated time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I closed on my home mortgage from XXXX XXXX XXXX. I received a letter from Wells Fargo Home Mortgage dated XXXX XXXX, XXXX that the loan was transferred from XXXX to them. I had no prior notice of this from XXXX or Wells Fargo. I thought I was to be sent a notice of assignment 15 days prior to the transfer/servicing of the mortgage. Section 6 of the Real Estate Settlement Procedures Act..I went to XXXX, Va. court house and got a copy of the deed and the date of assignment on the deed is XXXX XXXX, XXXX to Wells Fargo Home Mortgage from XXXX. I feel I was mislead by Wells Fargo by the letter they sent me on XXXX/XXXX/XXXX. I have been making payments to Wells Fargo since XXXX/XXXX/XXXX and was told on numerous times they held the deed to the property, when in fact they did n't.

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 2015-04-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In 2005, we took out what we thought was a loan from the XXXX. XXXX heating and air conditioning company for a new furnace, air conditioner and ventilation system for our house and new addition to the house. This loan was serviced by Well Fargo Financial National bank. My husband got sick and our financial situation changed as it did for so many other families. The XXXX year of the loan, I paid the interest. As our financial situation changed it became difficult to make payments. I called the company to ask for a balance liquidation, but was only offered a " re-age '' program to get current. Some of the employees at the bank were unwilling to help and spoke to me in a condescending manner as evidenced by their recordings. I have since paid the debt, but was never sure if it was a loan or a credit card. The original amount of the loan was for {$10000.00} and I was charged an interest rate of 17.90 % with a monthly payment of {$290.00}. If it was a loan then the interest should have been included in the monthly payment and if it was a credit card, then the monthly payment should have decreased. I was constantly charged the interest and the monthly payment remained the same for the duration of the loan. I would like the return of the interest money and late fees in addition the correction on my credit report as " paid in full in good standing ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21 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: MI

Complaint narrative:
Wells Fargo wo n't let me log into my account, even though it 's a student loan not a bank account, without getting a text message. This is problematic because cell phone numbers are associated with so much now it 's a privacy issue and an identify theft issue. There is no email option to verify your account. I want to be able to log into my account without a text message verification.

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 2016-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo Home mortgage are dragging their feet sending me modification application documents .I believe they are stalling because they want foreclosure procedings to expedite that are currently in the works in XXXX.I requested modification documents weeks ago /At this pace Wells Fargo will have received their judgement through XXXX and have foreclosed and the deed be transferred before get these documents This is purposeful and placing my home at risk

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 2015-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In receipt of the last reported correspondence from Wells Fargo Home Mortgage and my calling today and speaking directly with XXXX XXXX / XXXX XXXX. The goal today was to inform Wells Fargo Home Mortgage of a deposit of {$300.00} to be applied with unapplied funds that sat in my mortgage account since my last deposits of {$1100.00}, {$490.00}, {$820.00} on XX/XX/XXXX. It is said that unapplied funds of {$540.00} also sat in my account since XX/XX/XXXX and has not been applied to my mortgage account. When speaking to XXXX XXXX she made mention that she would forward my correspondence to my point of contact, whom I requested not contact me by phone and also to assign a new point of contact directly by email to CFPB and the President and CEO of Wells Fargo. All correspondence will now take place via email, due to the unprofessionalism, combative, passive aggressive and lack of knowledge displayed by XXXX XXXX. As of today, I have received correspondence stating that the requests I made in previous correspondence be answered by XX/XX/XXXX. As we embark into a new year, my goal is to resolve any and all confusion caused by the lack of concern by untrained representatives. I again request knowledgeable, professional representatives whom will respect my wishes and concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I pulled my credit report to find that ACS/well fargo had transferred my loan. I 've reached out to them several times into late payments that they are reporting that is inaccurate. they stated that they would fix an upadted my account but what they did was add on more late payments and this looks like i am making late payment to them for a loan that is not even services by them..this late payment are incorrect, and i would like them remove from my file and my files updated to show inaccurate info removed the account never had XXXX late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I XXXX XXXX request that my current mortgage servicer applies their option to the Federal Housing Finance Agency for a serious reduction in principal against my home located at XXXX XXXX XXXX, XXXX, New York XXXX. I am attaching several correspondences that apply to the foreclosure crisis in America, and believe that my request for intervention by the FHFA is necessary to settle my foreclosure matter at this time. The FHFA is not only designated to help those with mortgages eventually sold to XXXX or XXXX XXXX, but also as a trustee to all mortgages connected to any designated home loan bank. XXXX happens to be one of those banks. I respectfully request intervention into my case as a matter of principal. I realize that the current Attorney General of my state is pushing for the FHFA to live up to its designated requirements. There are well over XXXX active foreclosures in New York State alone. In any event, I respectfully request the Consumer Financial Protection Bureau to prepare my file for potential federal agency intervention to mitigate damagers to the legal process that can go on for years. I believe that after every federal and state agency has the opportunity to place their input, including my Congressman in my jurisdiction, then there is a greater probability of a settled resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was divorced and the court made me sign a quit claim deed for the house over to my ex-wife. The VA loan on the house was in both our names. MY wife did not pay the house payments for over 2 years. Foreclosure papers we sent but my ex-wife kept them from foreclosing somehow. She moved out of the house. The bank again sent foreclosure papers. I contacted Wells Fargo to see how I could refinance the VA loan on the house to stop the foreclosure. I was informed by XXXX XXXX ( the sole holder of all the mortage information from Wells Fargo ) that a cease and desist order was placed on the account ( XXXX ) and he could not discuss my loan with me until that was removed. I ask what I could do to remove it. He said send me a letter asking for it to be removed. I faxed it over more than once. After sending this request I was unable to reach XXXX even after multiple phone calls ( leaving messages after each one to call me back ). The fax asked him to call me back. No response. I then tried to talk to anyone at Wells Fargo mortgage department as time was getting very low. Nobody could talk to me as XXXX was the only one I could talk to as the account was assigned to him solely. Eventually the house went to foreclosure and was sold for less than what was owed. I am a XXXX veteran ( XXXX ) I deserved to be able to try to refinance this house. Now I owe more than I can repay. Is this legal? What can I do about this? Thnak you. XXXX XXXX

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 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX/XXXX/2015 Complaint XXXX Follow-up : Dear Vice-President, I received your letter informing me your offices were trying to contact me regarding my complaint to the Consumer Protection Services about my Loan Modification. 
I disagree with Wellsfargo because my loan Modification took too long was wrongly completed by extension to 40 years? Monthly payment application are very wrong with interest and Principal!!! 
Loan Modification is NOT refinancing loan & is mandated by Govt to assist home owners in trouble, My payment should reflect 70 % payment towards Principal and 30 % towards Interest or worst case equal amount to Principal & Interest after Escrow deduction as was the case previously but this greedy wicked bank is trying to extort unreasonably. 
How can ONLY {$41.00} be Principal with {$180.00} interest out of {$400.00} - I have paid Wellsfargo Bank over {$130000.00} on a {$72000.00} loan over the past 19 years!! 
I am demanding immediate review & correction as stated of my Loan Modification at worst. Thank you, XXXX XXXX XXXXTel : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Mortgage company continues to play games and has not provided me with the documentation I requested. I am attaching a copy of the fax of the communication history with Wells Fargo Home Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Was guided through the ACH process by an agent on the phone. Found out that my ACH was, in fact, not set up when I received a 30 day late on my credit report. I called in to verify why this was, and the agent stated that my ACH was never set up. During this call I did not receive my mini miranda rights. I escalated the call to a supervisor for a call back, but never received one. After waiting a week for a call-back, I sent an email voicing my displeasure to XXXX. I received a call back within the day and they stated that there was nothing for them to fix and that they do not have to read me my rights since they are not a third party ( implying that they can do whatever they want ). I also voiced my displeasure about 2 phone calls I received after XXXX local time ( I did not know who these calls were until I called back in ).

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 2015-08-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2013 Wells Fargo offered us a loan modification. After making the trial payments totaling {$18000.00} ( and thus accepting the modification offer, per Wells Fargo ) we were told the offer had expired. We hired an independent attorney to assist with enforcing the modification ( at a cost of {$30000.00} ), which was unsuccessful. We were left with XXXX options ; foreclosure or short sale. We chose to short sale. We listed our home and received a cash offer for greater than fair market value. The offer was submitted over a month ago with all required paperwork. We also dismissed the lawsuit ( WITH PREJUDICE ) and provided Wells Fargo a copy of the recorded Dismissal. Currently the short sale review is on hold, because Wells Fargo counsel is demanding we sign a release agreement that among other things, would completely waive our home owners bill of rights. The Wells Fargo attorney is threatening to allow foreclosure to proceed instead of allowing the short sale to be reviewed. The sale date is XXXX XXXX, and we are trying to get the short sale offer approved before going to auction. We received notice from Wells Fargo they are in receipt of the offer and it is under review, however their attorney is still holding up the review process until the release is signed. We feel that the Wells Fargo attorney is angry we wo n't sign the release and dismiss the lawsuit WITH PREJUDICE ( versus WITHOUT ), and is using emotions and threats to block this entire short sale approval process, and instead allowing our home to go to auction on XXXX XXXX. There is currently NO LAWSUIT, it was dismissed. How can we be expected to sign a release for a lawsuit which no longer exists?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Wells Fargo cancelled most of the debt for a credit card. After taking a tax write off for the debt, they continue to say I owe the money and will not update my credit report.

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 2016-05-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Although this complaint had been answered after a long delay, I would like to place it record to demonstrate continued deception and fraudulent tactics used by Wells Fargo towards servicing my loan. 
During a call on XXXX XXXX, XXXX with a Wells Fargo representative advised me that the " XXXX XXXX '' attorneys were appointed by the State of New Jersey and Wells Fargo has no control over them. I sent in an inquiry to Wells Fargo on XXXX XXXX, XXXX seeking clarification. On XXXX XXXX, XXXX, XXXX XXXX called me to state that attorneys represented Wells Fargo but he would not be able to provide confirmation by mail before XXXX XXXX, XXXX. There was a two week lapse in receiving confirmation and Wells Fargo finally acknowledging that XXXX XXXX were retained by Wells Fargo. I believe this was another deliberate misrepresentation by Wells Fargo to delay the processing of information and prevent request for further information from their retained attorneys. The confirmation was finally mailed out XXXX XXXX, XXXX. I believe they intentionally mislead consumers by such instances of false information so that consumer are unable to contact appropriate personell.

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