vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We suffered a water damage loss in our home. XXXX XXXX issued a ck for $ XXXX to us and the lender Wells Fargo. We have been working on the repairs. WF has refused to issue a check to pay for the repairs. We have taken $ XXXX from our IRA to cover the expenses we have incurred. I have uploaded all supporting documents to WF to show what we have paid for. We have been promised a $ XXXX check from several of the people we have spoken with but still have not been reinbursed despite my calling in on a near daily basis.

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 2016-02-17 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I get paid bi-weekly with a check drawn on Wells Fargo Bank, I do not have a Wells Fargo account. How can they charge me {$7.00} to cash my paycheck, something seems wrong to me. Of course it 's free if I change banks and open an account with them instead of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello - I have a mortgage with Wells Fargo. Back in XXXX I met XXXX XXXX from XXXX associates. He said he can help me get a lower rate with my mortgage and lower payments. My expenses went up. Higher car payment and my husband hit a parked car in the ice left his name on the windshield and his insurance went up. In the meantime I told XXXX I had a modification back in XXXX 2014. Little did I know that FHA modification are only every 2 years. XXXX told me that does not matter. I paid him {$1900.00} and wells fargo did take the application back in XXXX but I need a quit claim deed to take my father in law off the income because he is a co-signer. It took sometime and months went by I will still needing the deed the get recorded. With the XXXX here and a case of bed bugs in XXXX hall it took longer that I thought. When I spoke to Wells Fargo they said we could not help me until the 2 years was up. Why did they take application and not tell me so many months went by now I owe {$8000.00} and it will go in foreclosure unless I get that payment. I was scammed by XXXX XXXX and I think because of that Wells Fargo should help me with somekind of assistance because they communicated with him and went along with not telling me it was impossible. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
( XXXX ) I have gone through credit card XXXX. 
I am a victim of the Wells Fargo credit card issue. I had a good credit score. I got a call from a repres there who told me that a credit card for XXXX was being processed for me for. When i questioned the rate it was XXXX first year and XXXX to 28 % afterwards. Things were Not clear. I did not want it. I deserved a better rate with my score and wanted out or a lower rate and it was impossible, i was transferred and put on hold, was told No and ignored. The payments escalated, i paid to avoid my credit being damaged but it was just too much. 
______ ( XXXX - XXXX XXXX XXXX XXXX issue. I always paid them. My balances were fluctuating and i could not get answers. Due to unexpected car repairs i phoned them to just say that the payment would be late and to make arrangements. I was denied. I made payments anyway. Then i received statements showing payments made and then reversed. They could not explain. I kept requesting info and was refused. I kept making payments and in XXXX received a call from XXXX stating that they would no longer accept them. They refused my payments and began harrassing me by phone. XXXX to 30 calls a day. When i told them to stop, they assigned my acct to. XXXX and XXXX. I requested statements etc ..., no info. By accident learned of court date 2 days before. Attorney said show up..guess what? No docs received and no notice of court call. XXXX was not present for roll call and judge said that she could not hear my side. She did not know i was a pre law student who knew better. I was finally able to get a XXXX repres to send me statements nd guess what? Over XXXX was charged ( Identity Theft ). XXXX refused to acknowledge and pursued filing a judgement against me. XXXX had never had problems with me. I paid.

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 2016-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
have Wells Fargo as mortgage lender and applied and was approved for modification in 2014. I made XXXX payments since that are not listed on my credit report. This has caused me paying more interest or being denied for credit. I want these payments shown snd language stating dispute resolved modification removed off my credit report. This is causing me problems getting refinanced this wording.

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I obtained a private loan with Wells Fargo for living expenses during grad school. It involved XXXX separate loans that accumulated each semester as I needed more as I went through grad school. This totaled to {$120000.00}. When I graduated XXXX XX/XX/XXXX, I had to wait to pass the board exam and obtain a job. I took over 1 year for that to happen. During that time, I had to go into forebearance with WF. When forebearance was up, I still did n't have the position, and I could n't pay the monthly repayment amount when forebearance was over. I ended up accumulating about 4-5 months of missed payments because I could n't afford it. I ended up getting a position which I started XX/XX/XXXX. It pays well, but I have additional debts : federal student loan payments for XXXX tuition, XXXX school, my wife 's XXXX loans, XX/XX/XXXX back taxes ( there 's a lien on our home because of this ), and a stack of credit card debts which one has gone to collections because I can not afford all of this even with my new income. I am trying to salvage what credit I have left. So ... ..lately, I have spoken with WF 's financial assistance people because they sent me letters and emails wanting me to call them to discuss " options. '' I spoke with them, and I told them my new income, my financial situation, and I can not pay their required monthly payment. One week later, they called me and stated that they can not work out any income based repayment because I make too much, and they can not lower the monthly payment because it would be subsidizing my other debts that I 'm trying to get under control. Because of my additional debts, my credit score is quite low, so they wo n't consolidate/refinance. They are threatening to " charge off '' my loans if I do n't pay {$5000.00} in back payments and then continue to pay the monthly {$1200.00} amount. They tried to explain to me their perspective of debt to income ratio which unable them to work with me in any way. 
So ... ..my complaint with Wells Fargo is this ... .... They are refusing to work with me on a lower monthly payment that I can afford in order to pay them back. They are threatening to charge off my loans at the end of this month. They are about to ruin me!

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 2015-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX & I fell into financial hardship when XXXX lost her job in XXXX. We filed bankruptcy, chapter XXXX in XXXX of XXXX and were discharged in XXXX of XXXX. During this time with XXXX children we could not afford the payment to the trustee [ {$600.00} per month ] and our mortgage. I missed approx. XXXX mortgage payments, however, foreclosure proceeding did not begin or occur at anytime since we were protected by the " automatic stay '' of the bankruptcy law. 

In XXXX of XXXX, Wells Fargo Mortgage approved us for a remodification under the new federal law for FHA loans however charged us exorbitantly high capitalized interest ( noted as " New Money '' on page XXXX ) in the amount of {$46000.00}. To be honest, we were both naively under the impression that our principal balance we remain at {$240000.00}, as it was before our filing of Chapter XXXX in XXXX. 

Since we have XXXX children, keeping our house was most important to us so we accepted the remodification and signed the documents at our local Wells Fargo Branch. We did not know we would get hit this hard in delinquent interest, other unknown fees, and feel Wells gouged us placing us well underwater on our loan. 

We also both feel we should have been offered a better finance rate than 4.25 %. If the " New Money ( Cap ) '' was lower and so was the annual rate this could be potential difference of {$100.00} - {$200.00} per month. Which is a big deal to a family of XXXX in XXXX. 

Thanks you in advance for any help you can provide in this matter. 

Sincerely, XXXX and XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was sold a predatory loan at the University of XXXX in the XXXX XXXX via their bursary office and XXXX Bank in XXXX which then was bought by Wells Fargo ( specs avail ). I was never told that I would pay interest only first, also encouraged to pay the minimum payment ( see billing ), was told I could not refinance 8.5 % locked rate and that they would capitalize the interest during hardship! Moreover, minorities were given higher rates and the loan was sold to XXXX loan servicing so you could not refinance with them ( not a bank ; brilliant move by all parties involved ). I 've paid more than {$47000.00} for a {$30000.00} loan and still owe {$42000.00}! I was finally able to move the loan to XXXX years later which offered reasonable terms but still a high rate of interest. Many of us were taken advantage of by CU/Norwest/WellsFargo/Nelnet combo XXXX I have spoken with the FTC and they told me to take it up with the Dept of Education and Congress, they make the rules. No question universities and banks colluded to offer horrible terms in the XXXX XXXX to tens of thousands of people. XXXX said she would fight for us that were taken advantage of by Big Banks and she has done nothing. So let me get this straight, the US government bailed out wrecked banks, gave them money at 0 % to help consumers with bad loan terms and to boost the economy, yet it never trickled down to us that actually pay student loan debt ; in fact, you offered loan forgiveness to many except for those that actually pay their loans. I 'm working with a lawyer to put this whole University of XXXX, XXXX Wells Fargo XXXX story out there and how the CFPC has done absolutely nothing since my first complaint. I pay my debts and a reasonable rate and terms I 'm willing to do, but what happened to many in the late XXXX early XXXX is shameful ; the US government lends banks money for almost free and they turn around and crush citizens with horrible rates and terms. Why have n't you helped us? I 'm still paying a high rate of interest at 6 % ... The government should cram down rates for all high rate student loans and actually protect us from predatory bank practices that continue today. That would help the economy and not just the investor class.

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 2015-07-06 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This is Not A Duplicate, XXXX XXXX I Lost My Wallet With My Bank Information In It! I reported It As Soon as I Gotten Home! Navy Federal Did Not Close My Account! On The XXXX Of XXXX {$5000.00} Dollars Was Deposited in My Account and When They Took The {$5000.00} They Took My Income tax Money from Checking and Savings Checking Navy Federal said {$570.00} They Supposed To Have Send Me and Still Have n't Receive Yet! They Have n't Credited Me With The {$1500.00} I Had In My Saving! I 'm Not Satisfied at All.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I had a secured credit card with Navy Federal Credit Union ( NFCU ). I asked to close the account and use my security deposit to pay the account. NFCU did not use my security deposit to pay off the account. The account became delinquent without my knowledge. When I found out about this NFCU made me pay more money and did not remove the delinquent account from my credit file as they promised to do prior to me paying them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a XXXX mortgage with Wells Fargo. They have tried everything toforeclose on my mortgage illegally. I was denied a loan modificationseveral times. Many of my payments went unreported. 
I sent for information from them on my mortgage, they neversent anything. I filed Bankruptcy and they would not comply with thecourt. They ignored every request from the courts and from myattorney. I asked them again for a modification and they soldmy loan to XXXX XXXX XXXX XXXX XXXX XXXX LOANS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 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: FL

Complaint narrative:
I called Wells Fargo in XXXX to defer my loan. They usually offer deferments in no more than 2 month lengths. I was asked to make the payment for XXXX then I would be approved. I made the payment then was told my deferment was approved for two full months and that payments would resume in XXXX. A month later, I got a letter in the mail saying I was late. I called because I was puzzled as to why I was getting this letter when my loan was in deferment status. After having to explain my story several times, I was told the deferment was canceled stating they can only give two month 's deferment in ac12 month period. I 've talked to several departments and they all refuse to help me. Instead here threatening to report me to the credit beareu and keep tacking on late fees of {$28.00} each. I was not planning on having to pay them XXXX payments of {$220.00} each and XXXX late charges ( so far ) so my XXXX payment of {$220.00} will still have me in the red and I wo n't be able to catch up for several month to a year. There 's not a lot of companies that refinance student loans. I wish I could leave XXXX afar go since they are not customer friendly and obviously do n't mind hurting their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently started receiving marketing from Wells Fargo and its affiliates. This is odd because I opted out of marketing and other non-essential information sharing when the account was originally set up in XX/XX/2016. It appears that Wells Fargo recently changed my opt out preferences without my consent to show that I did not opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX of XXXX my financial advisor noticed a charge on my Wells Fargo XXXX statement from a company that I had never done business with. The name of that company was XXXX XXXX XXXX XXXX, out of XXXX AZ. At that point I did some research on the merchant to find out why they had charged my card, because I have no record of doing business with this company. They charged me {$3900.00} on XXXX/XXXX/XXXX. So I went on the internet and looked up their company info. I found a number for them and when they answered they answered the phone as In Compliance Services. I asked if I had the right number for XXXX XXXX XXXX and they said yes, it 's the parent company. Then I asked if they could provide me with a invoice for services rendered on my card on the date of XXXX/XXXX/XXXX, and why they would have charged me. They put me on hold and forwarded my call to another young lady who said she was in charge of billing. I explained to her that I had an erroneous charge on my card and that I 'd like to get some more information on what services they provided me and some paper work or an invoice for services rendered. She told me that she could not. At that point I called my Credit card company, Wells Fargo, with my financial advisor on XXXX/XXXX/XXXX. They told me that they have a {$0.00} fraud liability protection clause. I explained to them that I had no business with this company and was not sure how they got my information but I would like to file a fraud claim against this company. Wells Fargo filed the claim, however they denied my claim because they said since I paid my bill authorized the charge. They told me that I could file for reconsideration, so I did. However, they denied that claim as well.

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 2015-07-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
It is a known fact that XXXX XXXX XXXX XXXX XXXX XXXX employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown XXXX XXXX XXXX XXXX XXXX XXXX employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance XXXX XXXX XXXX XXXX has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year XXXX XXXX XXXX XXXX XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted XXXX XXXX XXXX XXXX XXXX in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and XXXX XXXX XXXX XXXX XXXX XXXX has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of XXXX XXXX XXXX XXXX XXXX XXXX on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by XXXX XXXX XXXX XXXX XXXX XXXX removed from my credit file.

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