vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC.
State: TX

Complaint narrative:
I have received multiple ( wrong number ) calls from this company. They are requesting to speak to a family member whom I have very limited contact with. This morning a voicemail was left regarding this individual and also saying that they were going to contact the employer of this person. I returned their phone call to tell them that they had the writ number and also to notify them that the practice of calling someone 's employer after a phone call is illegal. The representative became irate, yelled at me, and hung up as I told them that I would be filing a report.

Company response to consumer: Closed
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Dear CFPB ; We are requesting your assistance with a formal complaint against Wells Fargo Mortgage 's unlawful business practices who have successfully foreclosed our modular home of sixteen years. XXXX while XXXX we were victims WF 's Predatory Mortgage Servicing practices by almost doubling my home payment. XXXX The OCC managed this action under the Independent Foreclosure Review Settlement and we were awarded in ( XXXX ) the home back in my name and ( XXXX XXXX ) {$2000.00} dollars. However, it appears Wells Fargo believes they can undo the description of the order or compensation. We however, believe oversight and direction is required from the CFPB before they consider removing my family from our home. Presently, we have just received a letter legal representation from the XXXX in XXXX, North Carolina stating we are to vacate the premises. The XXXX foreclosure was in XXXX while XXXX with the XXXX XXXX in the XXXX XXXX region and the XXXX XXXX XXXX XXXX. Recently, the Department of Justice found WF financially liable for selling my home while XXXX in the amount of {$11000.00} dollars. We have provided CFPB with the most up to date information and we are actively seeking legal representation. As a member in the XXXX my time is very limited and often away from my family. So we are absolutely requesting the very best from your organization. We do n't expect special treatment and or privilege as with our past complaint for SCRA protection during the CFPB assistance process. We are asking CFPB to submit our complaint to Wells Fargo why they undoing a settlement agreement. Moving forward once they reply to CFPB, we will gladly provide further details from their very own documents demonstrating unlawful business practices. Your dedicated assistance with this matter is greatly appreciated, as we look forward to your reply ... XXXX, XXXX. XXXX XXXX, XXXX XXXX, 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 2015-07-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. We filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediation they said once we produce the documents and letters that my figures were good and I would have no problems qualifying and getting approved. Then we got a denial. So now we are starting the process all over again. Houses ' are going up in my area and I believe they are using stalling tactics, so they can get more money or try and kick me out. They are refusing to work with me even though I qualify. I also have requested all documentation such as the Appraisal of the property and the original Good Faith Estimate with their fraudulent figures in it. And any and all documentation they used to prove to me why they denied me. They have yet to produce any of their documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I believe that Wells Fargo engaged in unfair, deceptive or abusive acts and practices ( UDAAP ) resulting in me suffering financial injury. I contacted Wells Fargo in XXXX 2015, as an existing Wells Fargo customer to inquire whether they would be able to offer me a 0 % purchase rate on a credit card. I called the customer contact center and explained to the representative that I required a credit card with 0 % interest on purchases and that I was less interested in 0 % rates on balance transfers. I did not intent to transfer a balance. I was pleased to be informed that Wells Fargo would extend an offer of 0 % interest on all purchases made using the card for 12 months and 0 % on balance transfers for 12 months. The offer could be applied to my existing Wells Fargo credit card, which, at that time, had a balance of {$0.00}. The customer representative advised me that in order to activate the 0 % interest rate on purchases, I would be require to transfer a minimum of {$100.00} to the credit card account. I thought this was an odd practice and sought clarification and I also asked the customer representative more than once to confirm that I would receive a 0 % interest rate on purchases for 12 months. He indicated that this was correct. At the direction of the customer representative, I duly transferred {$100.00} to the account and repaid the amount plus a {$5.00} balance transfer fee. I then began using my card for purchases believing that I was benefiting from a 0 % interest rate. I soon found out that this was n't the case. I was being charged an interest rate of 21.15 % apr on each purchase I had made. I contacted Wells Fargo on several occasions and found that they were unwilling to discuss the matter in detail. The initial phone calls I made when I signed up to the offer were recorded and I have been informed that these calls have been listened to twice and that " no banker error '' was identified, I spoke with a supervisor this evening who was dismissive and informed me that 50 % of the misunderstanding lay with Wells Fargo and the other 50 % lay with me. It is my understanding that the Trust in Lending Act requires lenders to explain the terms of their credit agreements in a standardized way so that consumer can make informed choices. I believe that the opposite happened here. I believe that information which would have influenced my decision was not disclosed by Wells Fargo. I also believe that my interpretation of this agreement was reasonable in these circumstances. Ultimately, I believe that I was misled by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I initiated a funds transfer of {$1000.00} from my current account at XXXX Bank in XXXX to my checking account in the U.S. at Wells Fargo Bank. When the money did not show up in my account within the 10 days, I revisited the transfer information, and found that the first XXXX numbers of my WF account number were missing. I contacted XXXX and they initiated a trace on the funds, suggesting I lias with WF. I immediately visited my personal banker at WF and she did a computer search for the funds with no success, as well as escalating the search to the XXXX team, which found no trace off the funds. I received an email from XXXX stating they received a reply from WF that the funds had not been applied because name and account number did not match. I immediately within XXXX hour of receiving this notice sent XXXX the correct and full account number and name and received immediate reply from XXXX that they were sending WF the amended information. After waiting again with no deposit to my WF account, I again visited the personal banker and was told that they could not find the funds. They instructed me to again request the XXXX to recall the funds. When XXXX eventually received a reply from WF that " Beneficiary has denied debit authorization ''. XXXX assumed that the funds were applied to my WF account. That was not the case. After repeated trips to see my WF personal banker, the personal banker was able to find that the funds were in someone else 's account. I asked how could that be if the name and number for that account did not agree. The personal banker instructed me that I would have to request XXXX recall the funds once more, then, if the person who did receive the funds did not release them, the personal banker herself ( and her supervisor ) would contact the person and try to retrieve the funds. I contacted XXXX once more, they again received the reply that " beneficiary has denied debit authorization ''. I returned to my personal banker only to be told that WF could not go into the account and retrieve my funds. Her supervisor told me that i would need to seek legal representation if I wanted to pursue this matter further. I questioned her why the funds were put into an account where the beneficiary name and account number did not match. She did not give me an explanation as to why this was done, nor did she admit that it was an error on the part of WF.

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 2016-01-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested a loan modification and a principal reduction several times from Wells Fargo for my property located at XXXX XXXX XXXX XXXX, in XXXX XXXX. At the time of I was being reviewed for HAMP in XXXX 2014 my property was valued at {$67000.00}, the comps in my neighborhood were valued in the range from {$22000.00} to {$55000.00}. Wells Fargo Bank denied my loan modification under HAMP using my monthly gross income of {$2400.00}, Wells Fargo did not reduce the Principal Balance as allowed by HAMP. Wells Fargo did not Provide me with a Net Present Value review, this what have revealed the true value of the home and what method the value was obtained, furthermore, the XXXX would allow me to see what the projected HAMP modification would be the interest rate and the amortization schedule along with the any reduction of the principal balance. My gross income used of {$2400.00} would have been sufficient for a repayment of {$67000.00} at a interest rate of 2 % and amortization of 30 years. Instead Wells Fargo placed the excess principal amount which exceeded the value on the back end of the loan, a maneuver which HAMP would not allow. This action caused my payments to accelerate ever year way beyond the true value of the home and provided for Wells Fargo Bank to gauge me for payments legally, however to their dismay I refused to sign such a one sided agreement. Therefore, my punishment is foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a mortgage with Wells Fargo. I became late with 3 payments due to lack of employment. I had consistent employment up to XXXX XXXX. I was paying my montly mortgage payments. I called to see if I could qualify for a payment plan and filled out the financial paperwork. This was in XXXX XXXX. I had gotten a temporary job for {$18.00} an hour on XXXX XXXX, XXXX. I also have a part-time job I work 10 hours a week. I sent them the paperwork and they denied a payback plan to me. Which is putting the amount I owe onto the end of my payments. I had a loan modification last spring ( not sure on exact date ), so I do n't qualify for that. I knew that going into this, so I asked for a payback plan. So the same day they called to tell me I was denied, I got a new position with the job I am at in a different department making {$25.00} an hour. I have to work to the end of the contract until they can hire me fulltime, so I appealed their decision and sent in more paperwork and they denied me on XXXX XXXX, XXXX. Meanwhile I ca n't make any payments and the amount I owe is growing to {$7000.00} and I am getting frustrated and angry with how I am being treated. So when she called to tell me I was denied, she told me I was denied for a loan modification. I told her I was not applying for a loan modification. The preservation specialist knew what I was applying for. I do n't understand how they got their lines crossed, but again they do it to me. I am very proactive in my life and also was with finding work and communicating with Wells Fargo, but they are not good at talking back to me. Confused!!!!! 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 2015-09-09 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: PA

Complaint narrative:
Wells Fargo automatically lowered my monthly automatic withdrawal payments. They did this because I have made additional payments to my loan in order to pay it off earlier. The letter they sent did not use clear language to indicate that my loan would not get paid off sooner, like I intended. I called Wells to get further clarification. The person on the other end could not explain the reason for the lower payment in a basic understandable format. I worked in lending and currently work for a securities regulator. If I did not work in these fields, I would not have understood that I would not be paying off my loan sooner, like I planned, based on the letter and the Well 's employee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
XXXX of my many complaints to date from XXXX XXXX use of fraund, many round a rounds that i trust would not be the end to date that was and continues. Laws FHA but only home owners protect agfter a certain date? Added wrongs..i have a huge list, documents, proof and people..but no rights..then or to date to all that no one would or was welling to assist myself and children. Extreme damage added..along with never avoice, right to defend, ,all and still no right to my overage? Who is responsible if not this office to help..none of many to stop what is and believe to be void anyway dio to some steps but with out rights..to show proof..all that could of saved not only our home but my family. WHO is there?? No one. Missed XXXX payment..single parent..good credit..now still asking who..why? SAD..guess crime pays not honest hard working people..even when Laws SET? say different. Doing time for others crimes..says it all. People who walked asway from there homes recieved money in the claims..less work for the offices..who get paid to do a job ..then assist in the rights and proof to what continues to go on. BANKS RUN OUR COUNTY..only answer there is! Laws..and my huge file to no ones importance but myself and kids..sad! YEP..loss due to XXXX payment..oh until the ones the took, never returned or applied until the said " we will apply those to pay your loan in full. ". fine print..our loss.. 
my complaint may be off but all true but why step by step..been there done that and todate..venting..knowing my complaint does not matter. all below apply but i will pick XXXX so at least my words will go through.. 

I will continue until someone helps me understand..but there no under standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo sent me a very misleading statement, intended to make one think if they did not take immediate action their home would be foreclosed on. I pay my mortgage each and every month, have never missed a month, and have never payed more than 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Prepaid card — Transit card
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
some guy called me and said are you looking for loan he was from payday loan. since my credit was no good I had to show I could put {$150.00} on a prepaid moneycard from Walmart. this guy name XXXX XXXX said I wo n't take out and you can use your card in about XXXX min. I went to activate it and they put the card in there name and I ca n't use it I have the card from XXXX here. the # XXXX XXXX XXXX XXXX. please stop that card before mailed to that person I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a mortgage customer of Wells Fargo Mortgage. My mortgage was " modified '' in XX/XX/XXXX. When I received my first payment coupon I noticed an amount of {$7800.00} listed as " Unpaid XXXX principal balance. '' I have requested a disclosure statement which would detail what constituted an unpaid principal balance several times from Wells Fargo over the past three years to no avail. My most recent inquiry on XXXX/XXXX/XXXX with a customer service rep named XXXX XXXX resulted in a pledge from XXXX XXXX to e-mail me a loan document which would itemize the charges making up the unpaid principal balance within 24 hours. I have yet to receive the document which is the same result I 've encountered over the past three years reflecting egregious and repeated behavior by the mortgage department. Any closing document, including a loan modification, is required by law to itemize each charge to the borrower. The fact that Wells Fargo Mortgage has continually failed to produce details on this charge leads me to conclude that the unpaid principal amount may have been for late fees, attorney fees and other charges which should have been waived under the Government 's borrower modification programs which the Bank may have used in my modification. Additionally, they may have used my loan as proof of their requirement under the omnibus settlement with the Federal Government to rectify past mortgage abuses. In any event, my complaint is being filed to force Wells Fargo to " itemize '' the amounts used to create this unpaid principal balance so that I may know upon sale of the home what may be legally deductible or not. At the very least their continuing failure to disclose clearly may be unlawful. Thank You. My loan number with Wells Fargo Mortgage is : 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 2016-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was part of the Wells Fargo suit settlement in connection with enforcement action related to deficient mortgage servicing and foreclosure processes between XXXX XXXX, XXXX and XXXX XXXX, XXXX. Now Wells Fargo has grossly mismanaged my home mortgage account, yet again. I entered into Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. BK Court gave amount I was to pay to Wells Fargo for mortgage, through loan Modification. Every time I went to Wells Fargo Bank to pay the set mortgage amount, they argued with me that that was the wrong amount. My check was already made out for that set amount. I did not find out until yesterday, that they have been unapplying my payments -- XXXX of them and them ONLY applying XXXX of them, eventually, at the higher payment amount. They NEVER honored the payment amount set in the loan modification of XXXX. Interest was taken out on all payments, however, they have now charged my account for {$21000.00} in past due interest, on my XXXX-yr. old loan, making my new payment more than I can afford. They have made excessive demands for additional documents and are only interested in setting this new loan modification up for them to foreclose. I am a senior citizen living on social security and need your 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 2015-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was approved for Federal Mortgage assistance through Keep Your Home California. My loan servicer offered a loan modification but refused to accept the federal assistance funds. By declining the federal funds Wells Fargo Home Mortgage is rolling my delinquent balance back into principal and resetting my repayment at 360 months which ultimately makes a greater profit for the investor over the long term at my expense, in this case about {$80000.00} in additional interest. Wells Fargo Home Mortgage accepted a XXXX dollar bailout package from taxpayers, I find it completely unbelievable that they can decline accepting funds from a federal program that was created to help individuals in distress ... Especially those of use who are XXXX XXXX veterans from recent XXXX!

Company response to consumer: Closed with explanation