vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My loan has many, many mistakes from predatory lending when I did not qualify. I 've been told from many real estate Lawyers to file a complaint. I 'm XXXX and on SSI and been in my condo for 28 years. Also I had a research company run my loan and found over XXXX discrepancies,,, help me please. Wells Fargo say it 's fine.I WANT TO KEEP, MY CONDO, THANKS

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 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There was a discrepancy in the family as to who was paying a XXXX XXXX bill in XXXX of XXXX. After some deliberation, in XXXX XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX/XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by either the XXXX XXXX or another entity, not ourselves.

Company public response: Company 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 — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have filed a complaint against Wells Fargo home mortgage and I got a call from a person and when I told him I was XXXX and wanted to keep my home he laughed. The the was forces end on and I had been making the payments with the life insurance money when my husband passed away. I want to recover the money Wells Fargo took from me. The home was only in my husbands name. Why did they take the money and not tell me no the home is not in your name we wo n't take the money. Its discrimination cause I 'm XXXX and that person laughed at me. 
I have already submitted a compliment.

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 2017-03-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lockhart, Morris & Montgomery Inc.
State: MS

Complaint narrative:
Collection agency, Lockhart, Morris, Montgomery continues to lie about collection of my loan and the threats they made to me and my daughter. I have never said I signed the contract. I never signed the contract. My daughter was not even in the same city when the contract was signed. The contract was emailed to me because XXXX, the salesman had it on a laptop. They claim they did not give me my full social security number and threaten me and my daughter but I have it recorded. They are lying. I can verify this. I also called the company the day the installers came and destroyed my home. I 'm trying to get the phone records now. I told them it was unacceptable. I did not want it. It states in the contract that I had three days to cancel. I also have an email stating the same thing that was sent to the company within the three business days. My daughter is listed on the contract as someone to contact if the alarm goes off and I ca n't be contacted. They only have her name and an old telephone number. XXXX and Lockhart, Morris and Montgomery are liars and scammers. I can verify everything I have said. They forged my signature and my daughter 's.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo Dealer ServicesXXXX XXXX XXXX, CA XXXXAccount number : XXXXI rescinded the car loan according to TILA Regulation Z. 
I have not received my payments back. 
I have received the title although this is because the final payment was paid early with rescission notice following days later. 
20 days had passed with no notice of any objection to the courts about my rescinding the loan hence the bank has waived their opportunity to dispute their responsibilities under Regulation Z. 

They must return to me All payments and fees. 
I would prefer that they would send the value in XXXX to the following address:XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Graduated in XXXX XXXX and moved out of state 2Months later. I opened a checking n savings account with Wells Fargo in my new state of residence in XXXX and since I deposit my check old school, always chit chatting with tellers n personal bankers here in Washington State. I got concerned that I was n't getting any notice/mail to start paying my personal student loan. I asked at least 4times on when my 1st payment was due. The personal banker here in federal way branch ( XXXX XXXX ) and in This is WA reassured me that no payment was showing in the system as due n reiterated that when the first payment was due, I 'd get a statement or something in the mail in advance. 
Reassured, I let the matter go only bringing it from time to time. You can imagine the horror when one Saturday in XXXX XXXX, I received a call on my cellphone informing me I was 2 months late!!! They 'd reported me as past due without any notification of first/any payments being due. I was flabbergasted to learn that they could n't have called my cellphone prior on missing first payment due to autodial laws or something. I asked about what about sending me delinquency notices in the mail? Long story short, they started that on XXXX/XXXX/XXXX they sent one notice informing me my payments were scheduled to start BUT that was to my former college apartment address. Apparently my current address in WA was too hard to find even though I have two accounts ( Checking & Savings ) that I get monthly statements from Wells Fargo for every single month! 
I was proactive and escalated my complaint all the way to the executive team where a team member promised resolution by erasing the reported delinquency as I was not properly notified. Needless to say, a couple weeks later while waiting for something in writing to correct that, another team member named XXXX called me back. Chest thumping started neither she nor anyone else was going to fix the mess. So here we are, I 've decided to NOT make a single payment n closed ALL my accounts withdrawing over {$7000.00} in balance that was enough to pay back over 70 % I owe till this mess is fixed. Enough is enough. Waiting for my say in court.

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 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
we are trying to perform a short sale with Wells Fargo. There have been XXXX offers on my home, yet Wells Fargo has not even reviewed them yet, after two weeks, because they ca n't seem to get this open to do a short sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WV

Complaint narrative:
Wanted to buy a XXXX puppy. Found one from XXXX and contacted through e-mail. Price was good and they would include shipping. Dog XXXX, shipping XXXX. We agreed. They wanted money sent by XXXX, we did. Then XXXX contacted us and said we had to pay insurance for air flight of XXXX. This was not mentioned during the transaction for the XXXX because they were to pay shipping. They would not ship unless we paid the money and said if we did not pay the money the dog would be put in quarantine for nine months and we would be turned over for pet abuse. They wanted the money paid per XXXX. XXXX even called me at home twice coaxing me to pay the money ASAP and once the dog was delivered I would get my money back. I told them I did not have this extra money and could not send it. They kept calling and e-mailing telling me I had to pay this. I offered to pay by visa, check, or money order and they would not accept this. They only wanted XXXX. I looked up XXXX on internet and it showed this website originated in XXXX. So I would not pay. Later I went back to the website and it was taken down. I tried to get XXXX to send me a refund but they would not respond. Completely ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo foreclosed on my duplex and my {$69000.00} escrow. Because they were collecting for a loan that was already included in the first mortgage on my house. I have now paid it again to XXXX. Now XXXX has transferred to another servicer that wants me to pay them the same money. 

HOW MANY TIMES DO I HAVE TO PAY SOMEONE FOR THE {$47000.00} someone gave me in 1992? I apparently paid Wells Fargo for a commerce bank loan that was paid off by my house loan. - actually it was paid off with my escrow and extra money I had to pay to midland mortgage I did not owe. I believe Wells Fargo was collecting for the escrow I was paying on another property and I had already paid to another lender. I also believe they paid this money to XXXX for insurance I had not spent/used. The money also XXXX have paid been paid to XXXX companies claiming to have judgements against me or my husband and with whom we never HAD an account. 

WELLS FARGO STOLE MY 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 2016-12-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am in the process of refinancing my USDA guaranteed rural housing mortgage, currently held by Wells Fargo, through a new bank, XXXX. We have encountered a problem with Wells Fargo. The payoff statement that Wells Fargo issued to XXXX classifies my mortgage as a conventional mortgage instead of a USDA guaranteed mortgage. My closing documents from XXXX, the mortgage company that issued the original loan in 2011, shows my loan as a USDA rural housing loan. However, the mortgage was sold to Wells Fargo who has classified it as a conventional loan, despite all documentations showing that it is indeed a USDA rural housing loan. Wells Fargo has acknowledged that the paperwork shows that it is a USDA loan, but they have yet to make the change so that I can complete the refinancing process. 
One of the Wells Fargo employees that I spoke with on the phone suggested that this is how Wells Fargo treats all of their USDA loans. If that is the case, then this is illegal and should be investigated by the CFPB.

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 2016-09-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My wife is XXXX from having a XXXX a few years ago, We will always have ongoing medical expenses that are not covered by health insurance for her care and that has caused us to be deliquient on our mortgage. We 've submitted financials and several modification requests to American Servicing to modifiy our mortgage. Customer service has been rude and uncooperative and refuse to modify our mortgage. We recently resubmitted our modification request again. Please help, we do n't want to loose our home.

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 2016-10-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Comerica
State: CA

Complaint narrative:
hi I bank with Comerica Bank for many years and rarely overdraws my account. it all started when I initiated a online transfer for a check I am writing on XXXX/XXXX/16 for {$300.00}. I need to write a check to my acct ending in XXXX that day. Before going to make the payment at XXXX XXXX XXXX, I made sure I transfer the funds from my acct ending in XXXX. I thought all is done and set. When I sent online to check my account, I notice that my acct XXXX is overdrawn. My transfer on XXXX/XXXX/16 seems like it never happened. I notice that there were 3 overdraft items instead of just one. I ponder on that as how could that be?!?! I did a couple of online bill payments on XXXX/XXXX/16, but it did not leave the account until XXXX/XXXX/16. I know this because I see it have already deducted from my account that morning when I did the {$300.00} transfer. I did the transfer at exactly XXXX that day. I called customer service to make them aware of my situation with their online system. Of course they say they do not see any issues. I point out to them that there is because I did the transfer and it did not show and also the mobile system is out of whack. its showing that transaction are being done on weekends. They refused my explanation and refuse the refund. Then I ask them why I was charged 3 {$33.00} fee instead of 1? I notice from my transaction history that it seems like all the transactions were aligned that the biggest item paid firest rather then by the time they are presented like most banks do now. The rep said that it is Comerica 's policy to align the biggest items first. I feel that 's their policy to make more money from their most unfortunate clients. Please take a look that this policy as I strong feel that this is not the right thing to do especially when I paid the other XXXX small items 5 days ago. please contact me if you have any questions or any proof. thanks XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Hello, When I just come from XXXX, I had XXXX years old, much everyting seems to be new and different to me. I start working, but I did n't know that there were people that was planning to make me feel sick and XXXX by bringing me to problems that they sure n't can involugrate me on, i were not inform of much and they violate my trust and laws of respect, dignity and identity, and now I have been harassed by collections agencies, for example this one that I just find in my mail today from : XXXX original creditor : Wells fargo Bank , N.A . original account number XXXX current Creditor : XXXX, XXXX. XXXX Account No : XXXX Current Balance : {$10000.00} I feel they just have been disturbing my patience, and they try to charge something that I dont have, something that I did n't purchase. I hope some one can help me to stop the corruption and harassment they have been planning against me and good people.

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 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Over the past 5 months I have been seeking a resolution to a problem with the manner in which my home was foreclosed. Wells Fargo has not responded in a satisfactory manner to questions or issues I has consistently questioned. my home was foreclosed on after providing information to reinstate the loan. Previously the information had been accepted in lieu of work out options. There was one single item questioned. there was a request to verify service at the home. There service documentation was provided via a bill that noted the service address but the bill was mailed to a 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 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My property at XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX was sold while I was in a modification Program. I did not recieve report back on the modification before the sale the paper work was turn in on ( XXXX/XXXX/16 ) and the sale was on ( XXXX/XXXX/16 ). They said that in needed to be in senven days before the sale day. Please help me keep my home. XXXX XXXX XXXX my phone number is ( XXXX ) and cell phone is ( XXXX ) Thank : You 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 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells Fargo checking account, currently residing outside the US The bank has rejected the same transaction 4 times in the same week for the lack of sufficient funds, and each time billed me XXXX $ overdraft fees! they did this with every transaction. 

How is it an overdraft fee if the transaction was rejected? I understand if they financed the transaction they have the right to take financing fees, but this transaction is rejected, and as a result it kept coming back, with each time them charging me XXXX , the bank has charged me a total of XXXX $ of fees for the same transaction. 

I called the bank and they refused to waive the fees, how is it an overdraft if the bank did not allow the " draft '' and did not pay, but rather rejected the transaction, and why did the bank charge me each time it rejected it!

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 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I worked with a Wells Fargo loan officer to purchase a investment property. I was told I would need XXXX % down. They were aware that the property was duplex. 5 days before my closing I was told I needed XXXX % down. Since it was there mistake they stated they would reduce some of my fees. In fact they increased my fees. 
I do n't know if this other complaint goes to you but my closing title company did not provide anyone to close with me to explain the documents I signed. They just told me to go to any notary since I lived out the state ( even through they knew this and did n't make arraignments ). Also I have not received a copy of the signed closing documents I signs and I was not provided keys and the XX/XX/XXXX rent to the address and lease agreements. They told me I have to contact the owners realtor to get that even through it was in my contact. They realtor told me they ca n't give me a copy and to ask the renters. Also I have received the rents.

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 2016-10-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Second time again, Wells Fargo has put a hold on a payroll check deposited into an atm again. Check was deposited in the amount of {$1800.00} on XXXX. Receipt of Check said funds would be available on XXXX/XXXX/2016. Now on XXXX/XXXX/2016 an email was sent that funds will not be available until XXXX/XXXX/2016. No first {$200.00} was made available. Called Banker who I spoke with a lady named XXXX and stated a REFER TO MAKER OF CHECK just like the last time. But according to bank last time after resolution it was because of overdrafts and insufficient fees ; which were cause on their part. Account was in good standing past 2 weeks except for that I had to pull out the {$200.00} that on XXXX/XXXX/16 due to no funds available. Causing me to pull the {$25.00} out of savings that I was trying to save up. Which I am in overdrawn balance of {$160.00} If I would have known this would occur again. I would have went to a check cashing place like I did 2 weeks ago and paid the cashing fee to cash the check. 
Wells Fargo is placing the holds and not trying to clear these check faster as causing an inconvenience. I already have scheduled payments that I set up one time future payments for bills. 

As Consumers we need better rights and protection to access our money faster and not placing these longs holds for almost 2 weeks.

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 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Dispute for PMI for loan number XXXX Hello, My name is XXXX XXXX. My wife and I closed loan with XXXX XXXX XXXX on XXXX XXXX, 2016. Now that loan is sold to and served by Wells Fargo Bank. 

I tried to call at Customer Service Dept of Wells Fargo ( XXXX XXXX XXXX ) for exact amount I need to pay for removing PMI. As per guideline with XXXX % LTV of my loan value, PMI should be removed. To my shock, I was told that there are instructions in your system on file that PMI can only be removed only if LTV is XXXX % or less. I have MI certificate from XXXX for refrence. My current LTV is XXXX % ( as per CSR XXXX who told me during my call with her ) and I am ready to pay difference to remove PMI. I need to know how much amount do I need to pay with XXXX % LTV. I was never told that XXXX % is minimum LTV I need to have to get rid of PMI. 
Wells fargo is saying that my PMI can only be removed once LTV is less than XXXX %. 
Thanks

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