vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As I continue to attempt to get Wells Fargo to actually do what is right for once, I wanted to make sure that the CFPB is aware of what Wells Fargo representatives tell their customers. 
When I mentioned to XXXX, Loss Recovery Specialist, that contracts are a two-way street and that the terms of our agreement would also apply to Wells Fargo, she stated that this was not the case. In fact, she asked " did Wells Fargo borrow money from you? '' I find this disregard for basic legal principles to be truly appalling and given these positions, it is not surprising that we are becoming aware of one Wells Fargo scandal after another. 
According to XXXX 's logic, the terms of any agreement with Wells Fargo, only apply to the customer but Wells Fargo is somehow free to completely disregard them? So if I sign up for a credit card with Wells Fargo with an APR of 18 %, Wells Fargo is not bound by this? They could charge 30 %? 
Needless to say this is entirely inaccurate. I would greatly appreciate if someone at the CFPB would request a copy of my call with XXXX from XX/XX/2016. 
Sadly, given the arbitration provisions of Wells Fargo contracts, the CFPB is really the only way to hold this organization accountable.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Loan documents had spouses name added after the closing date. Her name was wrote in after the closing date and signature forged on loan documents. Also Notary falsified documents stating they were at the closing. -- The Notary was not present at closing. -- Some documents by Notary state closing took place in XXXX XXXX and another document states the closing took place in another XXXX hours away from place of signing at closing.This information was found after our attorney requested information from Wells Fargo about our payments not being applied and always showing me as a late payer.Have tried for several years to refinance else where but because Wells Fargo falsified payment information other lenders could not refinance us. We recently hired an attorney and because of this they have accelerated our mortgage and are trying to foreclose our home. Once again not trying to work this out. We have been paying on the loan for ten years and due to there record keeping practices we supposedly have only paid off {$5600.00} towards the principle?? Yet we have paid {$90000.00} in interest? I could keep writing for awhile about the other stunts they have pulled on us from XXXX to XXXX. We are slaves to them and now they are trying to foreclose even though we have proof of making our payments on time.We tried to get a loan modification and after being turned down for not sending docs in on time .The XXXX different times they requested the same docs we had sent numerous times previously we were kinda given a loan modification. ( They gave us a balloon payment due at the end of the note and increased our principle balance by {$4500.00}. NO interest reduction and a second Mortgage ) Some modification huh? But I was told after paying on the modification payment for eleven months successfully that I had paid late the last month and lost the Modification.?? So I am deeper in debt than I was before the Modification. This company is a predator, dishonest and full of greed. WHAT HAS HAPPENED TO AMERICA? We are hard working, WE do not work the system. We do not live beyond our means We do not waste money on unnecessary things. Is it to much to ask that when you buy a home and make your payments, That your mortgage company applies your payment? Then when you question there accounting they try to sneak a fore closer sale behind your back while saying they are looking into your concerns. They have to be stopped other wise other honest, hard working Americans will suffer.

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 2017-01-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I filled bankruptcy in order to prevent my home from entering foreclosure as a result of my husband, then, mischeivousness. In XX/XX/XXXX, I divorced my now ex-husband XXXX. With this divorce he relinquished all rights and all claims associated to my present residence. It took me several months to acquire my mortgage and the change of address and my mortgage statement coming to my home address. I have had several correspondences with Wells Fargo regarding the assumption of the Home Equity Line of Credit. According to my lawyer, I should take the divorce decree and have them transfer the Line of Credit in my name. I have also made payments without acquiring a statement of receipt. In addition, I furnished them with an entire copy of my divorce decree ( page 3, Article 2 ) stating that " the husband shall surrender any and all claims to said property, and that husband should cooperate fully in signing and documents of said property ''. To no avail, they refused to make changes even though its based on higher hierarchy- Supreme Court of the State of New York . I 've made several attempts to make amendments but, they refused to converse with me due to the fact I 'm not the holder of the Equity Line of Credit. Equally important, I received a document from the United States Bankruptcy Court which clearly states at the bottom " Other payment change : Will there be a change in the debtor 's mortgage payment for a reason not listed? the box checked yes. and the reason for change is Payment change resulting from an Equity Line of Credit ''. It may not have been included in the initial bankruptcy documents however, changes and funds are being withdrawn for payments and they are not being applied based on the documents on-hand.

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 2015-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I filed bankruptcy a few years back and when I did my lawyer didn'treaffirm my mortgage. I never knew this until I tried to refinance. 
Things changed in my life and I could no longer afford XXXX amonth. I have asked over and over with my mortgage company tohelp me to just lower the payments. I do not want to loose my housebut I am now a month behind on my payments. With the mortgagenot being reaffirmed, none of my payments show on my credit. I'mnot trying to get out of paying I just need lower payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am trying to get approved for a loan modification and I have sent the requested documents to wells Fargo Bank 4 times now and I keep getting letters stating I need to send the same documents I 've already sent. I have tried calling the specialist assigned to my account for help but she does n't answer her phone and never calls me back when I have left voice messages.

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 2015-06-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Back in XX/XX/XXXX my Mom XXXX XXXX and I ( XXXX XXXX ) decided to refinance our mortgage to obtain funds to give my eldest daughter a sweet XXXX. We reached out to mortgage broker XXXX XXXX who sent a representative to our home and refinanced with XXXX XXXX XXXX. Together, my mom and I signed all documents in the presence of the Broker, and in XX/XX/XXXX the loan began being serviced by Wells Fargo 's subsidiary America 's Servicing Company. The new loan was not fixed as we were informed by the broker it would be and we could no longer afford the payments. From that moment on we began requesting a modification from America 's Servicing Company. They began to tell me that I 'm not on the loan, but on the mortgage and my mother is the noteholder and stopped communicating with me. I have lived in the unit since owned in XXXX of XXXX. At the time of purchase my mom resided in a city owned apartment, but moved in with me as we were informed my unit had to be her primary address. My mom continues to pay the rent as to ensure shelter for our family if foreclosure is the end result. In XX/XX/XXXX we reached out to a third party to assist us and XXXX XXXX America 's Serivicing Company offered us a trial modification plan and I set up electronic payments for XXXX, XXXX and XXXX of XXXX. After all XXXX payments were received ASC requested a copy of the deed and it was provided. Then ASC began the process all over again. Since then, we have been submitting hardship letters and other requested documentation only to continue to receive the run-around. On XXXX XXXX, XXXX my mom and I were requested to appear in court for a mandatory foreclosure conference. The referee overseeing the conference enforced the Bank 's attorneys to work it out with us, I was informed that we would have to submit a new modification application and are scheduled to return to court on XXXX XXXX, XXXX where a decision will be made. We submitted everything as requested, modification application and supporting documents only to receive feedback that ASC is not reviewing our case at this time as nothing has changed. Trying to keep a home for my children and grandchildren has been a long and drawn process. We have spent close to {$15000.00} in attorney fees over a five year period with attorneys telling us they are experts in modifications and the end result remains constant run-around. My mom and I will continue to to find the means to advocate in hopes to keeping our home. I have filed a complaint with the New York State Department of Financial Services who directed me to the Consumer Financial Protection Bureau. I hope you can help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union is withholding access to information about my checking accout, apparently in retaliation for refinancing my Navy Federal mortgage with a different bank.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We have contacted Wells Fargo ( XXXX lien holder ) in an effort to postpone foreclosure XXXX XXXX XXXX, 2016 XXXX on our home. We have been waiting for a payoff notification from Wells Fargo after repeated attempts to obtain it from them so that our XXXX lien holder ( SLS ) can approve their part of the short sale process. We have not been acknowledged through Wells Fargo for our requests and the requests of our Short Sale Title Agent XXXX XXXX. We have an open contract for the short sale and are currently being held up by Wells Fargo because they would rather foreclose on our house rather than sell it to an approved buyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX and XXXX XXXX my son have an account open is a line of credit with Wells Fargo # XXXX monthly payment get deducted from our checking account automatically Well Fargo checking they are reporting 30 days late on this account for the past 18 month ( see credit report attached ) I call this business several times in the past month and they promise a 0 late letter they are not responding Im trying to clear this wrong information that they are reporting with the bureau 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 explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I submitted a Qualified Written Request to Wells Fargo Home Mortgage. I am attempting to obtain information about my FHA loan that is serviced by Wells Fargo. The request was sent as I have received conflicting information regarding the true investor is for my loan. Wells Fargo failed to provide any of the required documents per RESPA and Truth in Lending.

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 2015-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
It all started on XXXX/XXXX/15 when I received an email describing a job for escrow agent for the XXXX XXXX company from XXXX XXXX. On XXXX/XXXX/15 I received another email stating that they needed this job filled immdiately. On XXXX/XXXX/15 I received a contract and a FAQ from XXXX XXXX. On XXXX/XXXX/15 I received an email from XXXX XXXX stating that XXXX XXXX welcomes me. On XXXX/XXXX/15 I received another email from XXXX XXXX advising me that I will be receiving payment from their customers for product received. On XXXX/XXXX/15 I received another email with invoices XXXX amt {$1100.00} and invoie XXXX amt {$1100.00} with instructions how to disburse the monies. On XXXX/XXXX/15 I received another email stating that I will be receiving 2 checks for the above invoices. They wanted me to use Reload-it cards to have the money sent to them once they cleard my bank but the Reload-it system was down. On XXXX/XXXX/15 I was sent an e-mail asking if there was a XXXX XXXX near me. 
On XXXX/XXXX/15 I was sent an e-mail instructing me how to dispense the funds via XXXX XXXX. After I sent the first XXXX XXXX for {$620.00} I was advised by my bank that I was overdrawn as the checks were returned by the Federal Reserve as fraudulent. I wasoverdrawn {$850.00} and now I have brought down my balance to a positive of {$150000.00}. 
I called the bank on XXXX/XXXX/15 and asked them if I could use my debit card but they told me that they were frozen. I am lving in XXXX XXXX and I have no money to pay my bills and I was hoping you could contact my bank and help me get my cards unfrozen. I have been withou funds since XXXX/XXXX/15 and now even with a positive balance I still can not access my funds which by the way is my social security. My bank is Navy Federal Credit Union XXXX. I have all the emails that started this whole fiasco if you need to see them I was the victim here and I feel that they are treating like a criminal. I did call Navy Federal Security Department and spoke to a XXXX who told me that they could not help me and I should report this to the XXXX Police which I did and they told me to file in XXXX which I did with the XXXX which forwards your compliant to the FBI, XXXX and the XXXX XXXX XXXX. All I need is my debit cards unfrozen so that I can have access to my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: DC

Complaint narrative:
I received a loan threw XXXX. When it was time i made payments on time as the agreement. Cashnet then attempted to make unauthorized debits from my account. I was notified by my bank, who closed the account and began an investigation, While in the process CASHnet again made an attempt to debit funds. This made the account go into a negative balance as my available funds had already been moved to a different account. I am now getting harassing calls from a third party debt collector threatening to sue me and garnish my wages. They called my work phone number on numerous occasions. I spoke to a supervisor by the name of XXXX XXXX who was the person threatening me. I tried to explain to her the circumstances involving the account but she was uninterested. She was very rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I have bee making my payments I usually always pay over the regular contracted amount I always call my payment in over the phone and speak with XXXX of the XXXX girls that work there and by paying over the contracted amount they always tell me you are paid ahead and do n't have to make a payment next month so when I called this month because I could n't remember the due date I was told I was due more than my regular contracted payment and I asked how can that be when I always pay over the contracted amount and you guys always tell me I 'm paid ahead and do n't have to make a payment next month XXXX just told me I have n't paid enough and I did n't understand what she was saying so I called back to speak with the manager but she was out so a guy that was helping out in the office for the day explain to me even if you are paid ahead you still have to make a payment ever month or late charges will be charged also interest will be charge and I asked him why was n't this explained to me at the closing of the loan and why every month when I call in to make a payment they tell me I 'm not even due a full payment and paid ahead when all along they just did this so they could charge me extra the gentlemen then told me they should have disclosed that to you I asked to speak with XXXX again and I asked her if she would mail me a copy of my payment history and she said she could not I asked if there is anyone else I could talk to and she said she would ask her supervisor she called me back and said her supervisor said she could not mail me a copy of my payment history

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 — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I requested a forbearance from Wells Fargo, but was instead sent to collections even though my request was sent in a timely manner. I even spoke to a representative about the situation and was assured I would be put in forbearance well before I reached the 90 day threshold for being sent to collections.

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 2017-01-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased a home and it was turned over to Wells Fargo as the servicer.XX/XX/2006. I made my payments on time and know that I have a lot of equity in my home. My income has changed and I have been trying to get a modification from Wells Fargo and they refuse to give me one for all kinds of bogus reasons. Now Wells Fargo is trying to foreclose on my home. It is a XXXX account. I really need help with this 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 2017-01-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am automatic withdrawal for my monthly payment. There is plenty of money in the account to cover the payment. I see a {$52.00} late charge on my account. This can only be due to Wells Fargo mistake. I want the late charge removed. I have been on hold for 45 minutes waiting to talk to their agent. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I borrowed {$5000.00} from Springleaf Financial for 4 years at 25 % interest to reestablish credit. They are now showing my balance not the statements and my credit report to be {$9300.00}. I called to get an explanation and they claim that that will be the total that I pay should I pay it off in the time allotted. I explained that their reporting is incorrect, they should only be reporting the amount borrowed. I called to get copies of my contract on XXXX separate occasions and they still have n't sent those to me. You are only granted access to your loan documents online for XXXX days, after that you are locked out. They claim I signed something agreeing to my balance being over $ XXXX rather than the $ XXXX borrowed, I was never asked that question, why would I agree to that? When I took out the loan, the rep reviewed the paperwork on her computer screen and just ran thru the documents quickly, she later brought out copies to be signed and told me they were identical to what she had gone over on the screen. She also told me that the loan came with credit life, unemployment and XXXX insurance as part of the loan. It was presented as mandatory, turns out I 'm paying a fee for that as well,

Company response to consumer: Closed with explanation