vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmerAssist A/R Solutions, Inc.
State: PA

Complaint narrative:
They are trying to collect a debt that is my mother not mine. 

I have called them since XXXX to supply me the details for the debt and every month they state that they did n't get a response from the person they are collecting. 

The debt is co-payment for my mother drugs from a XXXX XXXX that missed billed her and I told them that they missed billed. 

I have the invoices that they are trying to collect it is clearly for my mother and nothing to do with me. I think if they ca n't show how this debt is mine after 60 days then they should know they are in the wrong. 

The woman from the collector told me that they do n't care and it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XXXX XXXX a tree landed on my house. The ins. comp. made the check out to me and Wells Fargo. It has been over a month and my contractor still have not got the 1st payment. I have sent them all the paper work they asked for and nothing is what they want. Every time I send them something they want more. The main contractor put a the siding and the roof on the house to keep the damage down from rain. I told Wells Fargo he wanted XXXX % up front they told me that it had to be in his bid. It was. As of today we still have not got any of our money to pay anyone and when I call I get the run around. telling it will take more time. Today they told me that they were sending out XXXX check and it is only XXXX % not the XXXX % I need. I do not have use of over 1/2 my house including a bedroom. The contractor has told me that if he does not have the XXXX % by Monday that he will be coming over to take off the siding and the roof due to non payment along with putting a lean on my house for what he has had to pay out to his staff. Wells Fargo does not seem to care. I pay the ins. why do they get to control fixing my house with my insurance money. XXXX kids and XXXX adults living in a house with XXXX rooms left standing is not working and we are almost at the 2 month mark. I have had to pay what I could out and in return have not been able to make my loan payment. I cashed out my XXXX this week so that I can not make the last 2 house payment and pay the contractor some more money to keep what he has already done with the agreement with them that they will refund my money when Wells Fargo pays them. As of now my house is no longer being worked on until they get the checks from the bank.

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 2015-09-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My attorney has been continuously trying to process a short sale of my home with Wells Fargo. Despite several phone calls and emails to Wells every single day, Wells continues to not respond and then a few days closes out the file due to " missing documents '' even though they never tell us what is missing. It seems as though they do not want me to short sale my home, they would rather foreclose on it. They have been impossible to work with and continuously avoid our phone calls and emails. Please help before I get foreclosed on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX, I went on a 1 week vacation in Florida. During my visit I was informed about joining a timeshare at XXXX XXXX XXXX ( XXXX XXXX XXXX ), in return they guarantee it will not affect my credit. When I returned back home from my travel, I spoke to an accountant who enlightened me that by joining, it will have some affect on my credit. Immediately I called the resort and requested that they cancel my contract. I emailed, call and sent a mail. In an uncanny way the employee at the resort told me I cant cancel the contract, without no hesitation I called my bank ( wellsfargo ) and explained the situation. They told me they would put a stop to it, but assure you that was n't the case. I recently founded out that the same resort had taken XXXX from me in the past two months, where I had to get aggressive on their deliberate act. My banker refunded my money, and told me to contact " consumer affairs '' to help deal with the unnecessary complication.

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 2016-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XXXX XXXX, 2016. My home was illegally entered without permission or standing and theft of property occured at my home by a subcontracted vendor XXXX for Wells Fargo. 

The letter I received from Wells Fargo stated, " the property preservation vendor was not at your property on XXXX XXXX, 2016. '' The incident report, from the police, states the individual 's apprehend by the police in my home had a work order from XXXX, which is in direct contradiction to Wells Fargo 's findings. It seems implausible that XXXX has no record of employees at my residence, but the incident report written by the police noted documents with XXXX information and a work order number. 

As I followed up on my complaint with Wells Fargo, the contact person tried to prevent me from escalating my complaint. He stated, he is the furthest my complaint which could be escalated, which was not true. As this process continues I have been " rekeyed '' out of my home. 

The police report I 'm submitting is the preliminary report. I am waiting for the detectives to update the report from the investigation of the burglary.

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 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
hello, I was charged an overdraft fee in the amount of {$35.00} for a {$1.00} check I wrote to NJ-EZ pass check # XXXX on XXXX/XXXX/15! I had an ending balance of about $ XXXX {$110.00} in the account, and there was a check I wrote for {$600.00} which was mistakenly deposited a day before it should have been, so that caused the account to overdraw by about {$490.00} or so. Well Fargo will say the checks are presented as they come in at the end of the day, and they will lie and say the check for the XXXX dollars came first causing the account to overdraw! 
they do their calculations at the end of business each day, and items are pending allowing you to make a deposit, so I clearly do not know how they can say they pay the items in the order they come in. 
They do this all the item seeking to charge as much as they can in overdraft fees,. 
While I am greatful they honor my checks ( they should, I have been banking with them for over 8 years, and they have been getting tremendous amount of fees from me in the last year or two ). When I am in the wrong, I do not argue with them for the fees to be returned, but in several cases, such as this, I will. 
Again, {$35.00} for a {$1.00} check???? that is criminal!! 
Why are things like this allowed to happen over and over??? 
why are these banks not presented with stricter regulations on such things as this? 
I am not letting them get away with this XXXX, and need your help. 
I am not rich, support my XXXX mother, and pay over {$300.00} a week XXXX to come to my home, which makes money very tight for me. 
I am sick of this, and want something done about the criminality of Wells Fargo for thinking they can do such things! 
Thank you for your help, pls go after them to the fullest extent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Loan # XXXXInvestor - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started XXXX/XXXX/2015. XXXX/XXXX/2015 the buyer was countered to $ XXXX. XXXX/XXXX/2015 we faxed an offer matching their counter offer. XXXX/XXXX/2015 We were told that the negotiator made a decision to decline the file last week. 

1. We spoke to Wells Fargo last week and no one bothered to tell us that the short sale was cancelled. 
2. Wells Fargo could not give a reason as to why the file was cancelled. 
3. The purchase price and fees on the HUD match the fees the negotiator told us would be approved. 

Why is Wells Fargo countering buyers, then cancelling when they get an offer that meets their countered price? 

It is obvious the negotiator is lazy or cancels files purpose to cover the fact she is too lazy to do her job.

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 — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is trying to foreclose on my home tomorrow XXXX/XXXX/XXXX based on a fraudulent decision they sent to me regarding my mortgage package. 
I submitted a package for a short sale because I had n't been able to get them to modify my loan. I sent that shot sale package earlier this month, on XXXX XXXX, XXXX. They had a sale date scheduled for XXXX XXXX XXXX. That is 12 business days, and 15 calendar days prior to the sale yet wells fargo is wrongly stating first they didnt receive a package then that they didnt get my package in time. 

I am attaching a copy of the forged decision they sent to me from my Home Preservation Specialist, XXXX XXXX. It is forged document because XXXX XXXX left Wells Fargo on XXXX XXXX, XXXX and has never since returned. She was never even an employee on XXXX XXXX, XXXX to write the letter and send me the decision so important regarding my home that they are saying that she mailed me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Since XX/XX/XXXX, I am a client of WELLS FARGO BANKS and the account holder of XXXX accounts currently XXXX and XXXX., on XX/XX/XXXX, I received a call from the XXXX Department of Wells Fargo Banks , to inform me that a number of debit card transactions had been made -presumably in my name- in XXXX , NY , from XX/XX/XXXX through XX/XX/XXXX. This time the charges amount to the total sum of XXXX dollars with XXXX cents ( US {$9400.00} ). The person who called me identified herself as XXXX, her Wells Fargo Banks ID number is XXXX, and her contact phone number at the XXXX is XXXX. I informed her that I was in XXXX, XXXX, and that the debit card that the bank had sent me to my home address was still in my possession, is a new debit card and that IT HAD NEVER BEEN ACTIVATED BY ME. XXXX told me that they would proceed to block my accounts and to cancel the aforementioned debit card, and gave me the claim number for my case. XXXX informed me that, in at least a week, I would receive a call from the XXXX of Wells Fargo Banks to provide me with information about my case. She also indicated that I could call the number XXXX to check on the status of my case. I then wrote an email to XXXX, the XXXX at Wells Fargo Banks ' XXXX office who attended me on XX/XX/XXXX, to inform him of the serious situation that I am going through, and of the damage to my financial assets that I had suffered. XXXX replied that he was so sorry and embarrassed by all this, and that I could rest assured that the bank would refund my money, as he was reviewing my account while he was writing the reply email and, in his exact words, he said " IT IS OBVIOUSLY A CASE OF FRAUD. '' Having not received any call from the bank since I last spoke to XXXX, I called the aforementioned number on XX/XX/XXXX and told the operator that I needed to know about the status of the case of fraud to which I am being a victim. The operator transferred my call to XXXX in Wells Fargo Banks XXXX, who from now on would be the person assigned to my case. On XX/XX/XXXX, I received a called from XXXX to inform me that Wells Fargo Banks will not refund the money extracted from my accounts, claiming that " it is not possible that the debit card has been cloned ''. I immediately demanded to talk to a supervisor and they communicated me with XXXX, who committed herself to reviewing my case and promised to call me back soon to provide an answer, which to this date it has not happened. This is the second time someone has made unauthorized consumption with my debit card.In XX/XX/XXXX someone made purchases in several US cities for {$790.00}. In that moment, fortunately Wells Fargo Bank returned the money to my 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 2016-12-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This loan was open at Wells Fargo Bank without my consent and my signature and i did n't approved or apply for this loan, and Wells Fargo is saying that i open this loan and that the loan was been paid by me from my acct.

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 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Recently Navy Federal has been found guilty of illegally freezing members accounts and only allowing certain access when past payments on accounts are due. Navy federal illegally doing this caused late fees assessed through my rental company. When they froze my accounts the rental company was unable to draw money from them. How can I go about getting these fees credited back due to the actions of Navy Federal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have a private student loan with Wells Fargo that is currently in their collections department. I have tried with great effort to pay on this account and to bring it current. XX/XX/2016 I applied for a financial hardship forbearance to help reduce or delay my monthly payments and was denied. On XX/XX/2016 I called and spoke with a Wells Fargo representative ( employee ID # XXXX ) with my concern over my past due amount and monthly payment amount. I asked her what I had to do to bring my account current and be eligible for a forbearance. She told me that if I made three consecutive payments of {$70.00} they would be able to place the remaining balance due to the end of the loan, bringing me current and granting me a forbearance. I made payments of {$70.00} for XX/XX/XXXX, XX/XX/XXXX and XXXX as they requested. I even called Wells Fargo XX/XX/2016, to confirm payments made and that the agreement we made was still in place and they ensured me it was. The XXXX payments were paid on time. ( however they still charged me late fees ). On XX/XX/XXXX and XX/XX/XXXX I called Wells Fargo to discuss the position of my loan, preparing to have it brought current and a forbearance be put in place. XXXX Wells Fargo representatives that I spoke with acknowledged the agreement they had made with me on XX/XX/2016 however, they would not work with me on a forbearance or bringing the loan current. They absolutely refused to help me. My income is approximately {$1500.00} a month. My living expenses alone account for almost 75 % of that. My loan amount with Wells Fargo is {$7200.00}. I am not looking to dismiss the loan, I am only looking to cease payments for a period of time or lower my monthly payment to one I can afford. I am concerned about this loan and how it continues to affect my credit. I would greatly appreciate any help and/or guidance with this situation. Thank you

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 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: OMNI MORTGAGE CORP.
State: NY

Complaint narrative:
I was advised by XXXX XXXX at omni mortgage that he could doing my mortgage and after 6+months and tons of personal documents and all, there is no information or whereabouts where my documents are. There is a big concern on how they do business and XXXX XXXX uncle who owns Omni Mortgage XXXX has not reached out to me after numerous calls to him and their staff XXXX. 
I 'm filing a complaint with the attorney general as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been experiencing identity theft and also i have been going through a lot of financial situations. I recently opened a small business and had different of personal accounts that different people from different organizations and other trust fund monetaries that where left to me from a deceased individual, that explained that she wanted her money to go to a charity of some type. I was left a sum XXXX XXXX dollars close to in XXXX XXXX i should say. I opened my investment account and I did the appropriate paperwork for the trust fund account and gave the appropriate distribution for how the money was supposed to be distributed equally each month and to each account. Every single account that I have opened and every deposit that was either transferred and or supposed to be wired, released to the account and then in increments where transferred out of the accounts slowly and shortly. While at the same time the accounting information online are telling me pending. By the third day of the payment holding process the bank then shows that the account funds was insufficient and on top of the NSF message i had to pay a check refund payment. Every single time the check goes through a specific holding period the funds within that period are released and then the information changes and says that it can not be processed and the checking funds was stopped. This has happened with a repeat number of my accounts causing me to go negative within my business to take a major loss on the business and personal aspect. I then try to get some type of confirmation and or repayment and the companies try to tell me they can not locate the account and or they can not understand what happened with the account. I filed different police report numbers and have been to different agencies and yet i am still without any account and or without any funds at all. I do not know exactly what to do and or how to get my funds back nor do i know how to or what to do because it has even been a change in the police reports that i have done missing information at the merchants, and /or the different companies that i have used for money accounts and or for personal stored information. I have tried protective custody switching name and personal information on my accounts plus more and at this point i am at a total blank of what is going on or what to do next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The Student Loans are my daughter 's in which my husband & I co-signed. My daughter missed XXXX payments on the loan and then called to try to fix it and told Wells Fargo that she was in the process of filling bankruptcy but did not want the student loans to be a part of it because we co-signed on it. Wells Fargo did not care and put the loans into Charge Off Status with their Bankruptcy department. When the loan was in default Wells Fargo said they tried to get a hold of my husband and I by sending a letter to us, however we had moved from XXXX to XXXX and they sent it to our XXXX address and by the time they received the returned letter it was in the bankruptcy department and they said they do not contact co-signers when it is in bankruptcy. My husband and I have multiple accounts with Wells Fargo including a Mortgage, They could have found our information if they wanted to find us, I feel they really never tried. My daughter never told us what was going on and Wells Fargo decided to destroy my husband and my credit without even giving us the chance to resume the payments. I found out about all of this when my husband and I tried to apply for a loan and they let me know my credit report was not what we thought it was because of the Wells Fargo Student Loans. I immediately contacted Wells Fargo and have been trying to work with them to rectify this and they just keep telling me that as a co-signer it was my responsibility to know what was going on with them. Unfortunately as a co-signer on a student loan you do not have access to Student Loans only the originator does. Had Wells allowed me to keep record of the loan on my Wells Fargo online banking I would have remembered to update the address with the Student Loans with the rest of my accounts when I moved and I would have seen right away when my daughter stopped making payments and would have addressed it before it reached the point it did. Part of being a co-signer is to take responsibility when the originator can not, but how can a co-signer do this if they are not notified or are not allowed access to the accounts? How can my husband and I get help to get our credit repaired and keep this from happening to others in the future from these big banks??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation