vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We have a mortgage on a rental home that turned out to be a XXXX adjustable. This past XXXX, 2015, it adjusted and the PITI increased by {$900.00}. We contacted the mortgage holder, ASC, and inquired about a modification. For 4 months we submitted paperwork to them. They asked for paperwork that appeared to have nothing to do with the modification requested. All docs were provided yet they asked for the same documentation over and over and over and over. Ultimately we were denied. On the phone our " representative - XXXX XXXX XXXX '' said we were denied because the property was titled to our XXXX. However the letter we received from ASC said that we were denied because we were NOT behind on our payments. We appealed with reasoning based on the Denial Letter rather than that verbally given by XXXX XXXX. Denied again, even though the property had since been Quit Claimed out of the XXXX and back into my name. XXXX XXXX continues to say the denial was due to the XXXX titling and that our only option is to re-apply for another modification. We have asked XXXX XXXX for documentation showing the denial was due, as he continually says, to the prop being in an XXXX AND for the HAMP guidelines to see if we 're wasting our time requesting a modification. He refuses to provide either, and double-talks us when we point out the inconsistency between what he tells us and the letters we 've gotten from ASC. 

On-line research into ASC shows that there are an amazing amount of complaints against the company relating to modifications including delays, denials or giving specific instructions for people to get behind in their payments so as to qualify for a modification ... and then foreclosing rather than modifying. In our case we feel we were jerked around for 4, now 6, months making payments to ASC rather than shopping for a refinance. For 4 months our file was reviewed by an Underwriter who seemingly had no training at all - evidenced by continual requests for documentation already provided and an obvious failure to understand what was submitted ( we are XXXX ). And now we are being told to re-apply by XXXX XXXX. In an email request for specific modification guidelines, XXXX XXXX states that his supervisor told him he is unable to provide written guidelines for the modification. He also refuses to provide the letter stating we were denied because the property is in a company name. Are n't we entitled to a valid denial letter? Are n't we entitled to know what criteria we need to meet in order to qualify? It seems as if it is a moving target without any specifics, so denials and approvals are random. We are being given a run around and now XXXX XXXX is not answering emails at all. This is definitely fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: WI

Complaint narrative:
WELLS FARGO : My husband and I just sent letters requesting reduced monthly payments based on our income, and provided financial documentation to prove that we are struggling to make the payments. This is the second attempt that we made to work with Wells Fargo to reduce our monthly payments. Both times, their response was that the combined income of our co-signers and our own income is too high to reduce our payments. My mother, one of our co-signers, has already been paying portions of our loans to Wells Fargo, and this is documented in our file. All of our co-signers are retired, and on fixed monthly incomes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have applied to Wells Fargo on XXXX occasions for assistance with my Home Affordable Program Request. The first time when my wife passed away and now this year. This time over a years worth of documentation. I was never served that a foreclosure process was started even by the officer on the account. I was never given an option for a deed in lieu of foreclosure, a modification denial or approval which is illegal and of course now I have placed the property on the market for sale. Please assist and protect my rights that is afforded to every consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I wish to have your assistance in disputing XXXX charges paid on my statement as " Legal Fees ''. I have since discovered that they ( XXXX XXXX XXXX ) are unlicensed and under FBI investigation for their lack of licensing and unethical conduct. I paid them a total of {$7300.00} on XXXX separate charges XX/XX/2015 {$5900.00} and XX/XX/2015 {$1300.00}. Please see that this charge is reversed they are not who they say they are and are soon to be shut down. I paid them and the services that have not been rendered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I deposited a check for XXXX XX/XX/XXXX, the check was returned XXXX/XXXX/XXXX therefore the XXXX was debited from my account. On XXXX/XXXX/XXXX XXXX was debited from my account again, stating the check deposited on XXXX/XXXX/XXXX was fraud. Hence, my account has been debited a total of XXXX. I immediately called to file a dispute and was told I needed to go to the branch. On XXXX/XXXX/XXXX I went to the branch and was advised I need to file a claim over the phone. I then filed a claim and was told to wait 7-10 days.. I waited. I called back and was told that claim was closed and another one was opened XXXX I was told to wait 2 weeks.. I waited. Today XXXX/XXXX/XXXX over a month later I called to check the claim and was advised by the claims department that because they only debited the account once and refunded the money to the person that wrote the check, if I wanted my XXXX back that was debited on XXXX/XXXX/XXXX I had to contact the branch because there was nothing they could do. I then called the XXXX Fl office where I have my account, I spoke with a XXXX who advised me I needed to come to the branch. I advised XXXX I have since moved to XXXX Oh and there are no branches here. I explained to her what I have been going through, she advised me she would forward to an escalations team to " look at it ''. By simply looking at my account it is plain to see Wells Fargo owes me XXXX. I have been charged a total of XXXX plus fees for a single check that was returned. WF got their money out of my account 4 days after the check was deposited, there was no reason to debit my account the second time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The credit line on my Wells Fargo visa was lowered from XXXX to XXXX because my credit bureau report in XXXX 2016, showed unusually high balances. However, all of these balances have been paid off in full or were due to fraudulent activity on my credit cards. My credit bureau report as of now shows ZERO balance due on ALL my credit cards ; my credit shows PERFECT now as it should. It is not right that Wells Fargo should penalize me by lowering my credit line due to unauthorized fraudulent activity out of my control that showed temporarily on my credit bureau reports. There are fraud alerts on all XXXX of my credit bureaus now to prevent this from happening again. My credit bureaus shows perfect again with XXXX balance due on all my credit cards. I request that in fairness Wells Fargo reinstate my proper credit line of at least {$10000.00}.

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 2017-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
For many years I tried to get on some sort of Income Based payment plan with Navient ( and before them XXXX ) to begin the repayment process. Every time I asked I was placed on some sort of deferment or forbearance program ( including an administrative one they seemed to make up for me ) instead. As a result the interest continued to grow and compound at an alarming rate and is now totally out of control. I was denied any payment plan that would allow me to make payments towards relief and be done long ago with this debt, or at least a hefty chunk of it. Now I 'm unemployed and struggling with XXXX ( XXXX ) and because I 'm married and moved to a community property state Navient wants my husband to pay on these very old student loans-the bulk of which are from before we even met! This is all so very wrong and I 'm not sure what I should or can do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
Made contact with a loan company ( XXXX XXXX equity ) to borrow approx. {$1500.00} to pay taxes. Was told the only way was to refinance my entire home and all out standing debt. 

I agreed. However, the day before the final papers were to be signed. I received a phone call at approx XXXX by the rep of this finance company that certain agreements had to changed. ie. the percentage rate to 8.00 % and a balloon payment of {$10000.00}, that changed to {$100000.00} during this phone conversation. 

As time past I soon was unable to keep up with the mortgage payments. Now I am dealing with a housing counselor I really do n't trust. 

It seems I 'm unable to get a straight answer from her. ( during a recorded XXXX way phone call ) I heard the mortgage company say to my housing counselor. " you are not authorized ''. This & paying a law firm over {$7000.00} to help my mortgage issues, has caused me to fall even further behind my mortgage. I was only {$6000.00} behind Now I 'm over {$23000.00} behind and in the process of a home modification that I do not fully understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
My car was totalled in a XXXX in XXXX XX/XX/2014. Upon XXXX reviewing the loss, they contacted Wells Fargo Dealer Services ( WFDS ) to get the total estimate of my outstanding loan and they have sent WFDS a check for the same amount. This was all within the same billing period. After XXXX sent the check, WFDS came back saying that I was late in my payment and they are showing the same on my credit report. I have disputed this record and yet there was nothing done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX went to a XXXX XXXX bank in XXXX to report a stolen payroll check ( from ADP, INC ) which was cashed with a forged signature. ADP uses a XXXX XXXX account in Arizona. she simply wanted to know, what should she do, and what could well XXXX do to help? The attached PDF describes the visit in detail. 
A notarized Forged Endorsement affidavit has been files with ADP. a XXXX XXXX bank copy of the stile check is included in the PDF. The complaint is for the type of treatment XXXX received, and the lack of profession help from the bank representative. 
Based upon our experience so -far with XXXX XXXX XXXX we have low expectations that our complaint to be taken seriously by the phoenix bank. But we are filing the complaint anyways XXXX XXXX, brother-in law to XXXX XXXX XXXXXXXXXXXX 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 2015-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This is a dispute regarding claim XXXX. I received a XXXX package on XXXX/XXXX/XXXX, duplicate of XXXX package. Still no explanations. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my property taxes were assessed as a business instead of a residential property. It was a {$400.00} or more increase. XX/XX/XXXX, I paid XXXX in taxes. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my property was assessed as residential, this is when my PMI insurance went up. In XX/XX/XXXX my PMI was prepaid XXXX according to my HUD statement. XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX ( up XXXX ), XX/XX/XXXX I paid XXXX ( up XXXX ), in XX/XX/XXXX, XXXX ( up XXXX more dollars ). XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX. When my property taxes go down my PMI insurance goes up. This type of fluctuation deserves an explanation. I also have not received and explanation of the escrow shortages. Wells Fargo owned the property when I purchased it, it was over appraised at XXXX so FHA would insure it. My mortgage was executed@XXXX, in which it 's only worth. The property never had a clear title. The loan was not within FHA downpayment assistance guidelines. Wells Fargo did n't disclose the lien, but tried to hide their identify by transferring it threw XXXX XXXX XXXX. The lien was very apparent, but the property was continuously sold. My property have be reappraised and reassessed, sold, allegedly transferred, but never assessed, until five years later, which not executed by me. Enough is enough. You ca n't get my money and not give me and explanation on what Is going on with my loan. Still waiting on answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I received a payday loan over 7 years ago from Cashnet USA. I had been going through a lot and could n't repay it On XXXX/XXXX/2015 I received a phone call from a restricted number. I was asked my name and was the last XXXX of my social -- --, and I said yes. When I started asking questions she gave me a number to call which is XXXX and then she said she was only a finder. when I called the number I spoke with XXXX at ext. XXXX. She told me she was calling because They were trying to serve me a subpoena at my address. I be home everyday so I knew she was not telling the truth. I told her this debt was over 7 years and chapter XXXX says the statute of limitation is 3 years but I found out it 's 5 years, then she told me it was 8 years. XXXX wanted me to give her a debit card number that she could take the money from this card. I refused, and then she told me if I did n't call her back with a card number by XXXX she would pursue the matter. She claimed that she called Cashnet attorneys and then while she was talking to me she mention something about a collection and that 's when I asked her was she with a collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
HI i have tried yet again to dispute what wells fargo bank and cfpb system doesnt allow me to progress, cfpb why have you not atempted to prosecute wells fargo for fraud and hold those responsable for there actions and theft of my home, acount in credit and no missed paymants yet you have never asked for proof of paymant? you have deliberatly treated me and my family un equal to american person why are you pretecting this fradulent and deciptfull bank why numerouse supreme court orders yet no compesation why

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 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I opened up my account, I requested not to have overdraft protection, as I understand that Wells Fargo pays for it and I would be charged overdraft fees.Wells Fargo did not comply with my request. Consequently, I have been charged {$35.00} in overdraft fees for a transaction {$100.00} paid to the XXXX Superior Courts & an additional overdraft fee of {$35.00} for the processing fee XXXX Superior Court charged me of {$2.00}. I believe the overdraft fee should not exceed the actual transaction amount. It is unfair that I am trying to pay a traffic ticket and the bank charged me {$70.00} extra for the way my transactions posted to my account even though I had money on the day of the transaction. In addition to this transaction, I was charged another {$35.00} for a debit transaction made to XXXX XXXX of {$3.00}. The day I swiped my debit card I had money in the account. I know this because I checked right before arriving at XXXX XXXX. How is it that I was charged the {$35.00} two days later for a debit transaction I had funds for when I made the transaction. I understand Wells Fargo system generates the fees, but a human being created the system to work this way. It is unfair that Wells Fargo selects who they want to waive the overdraft fees for. It should be illegal to charge some customers overdraft fees and not others for the same cause. Wells Fargo continues to make a profit on overdraft fees while their customers struggle to bring the account back to positive.

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 2015-05-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
We got screwed over by Wells Fargo. We won the lawsuit & got a settlement. This is so unfair to still be on our credit report! We have been paying higher interest rates since. Going on five years! We would like this off our credit report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I obtained a loan from Exeter Finance Corp with an interest rate of 22.9 %. After making approximately 12 months of payments I began the process of purchasing a home and secure a mortgage. I was informed that my auto loan with Exeter contained a outrageously high interest rate, high payment, and the vehicle had around {$5000.00} dollars in negative equity in the vehicle. I was informed by lenders, my legal counsel, and the veterans home loan association, that I would still be able to obtain loan provided Exeter reported correctly and only reported a repossession to the credit bureaus. Exeter has wrongfully reported that I was late in paying on my account, and has subsequently caused me to insure a financial loss of {$30000.00} dollars. After speaking with XXXX, in the escalations department and offering Exeter a settlement offer, XXXX told me I would receive a call back from XXXX XXXX, however, I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: FL

Complaint narrative:
debt collector apparently purchased my file from XXXX threatened to turn me over to XXXX county where I reside. harassed a co worker by calling my work.

Company response to consumer: Closed
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Account was closed previously but lists as open on credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I signed up for the Citi XXXX XXXX credit card with the agreement that if I spent {$1000.00} in the first three months I would be awarded XXXX bonus miles. I met that obligation and was awarded the points on XXXX/XXXX/15, however Cti sent those to account that was not mine and have refused to correct it saying I needed to go to XXXX XXXX to correct. XXXX told me that Citi needs to correct their error as they can not link my account to the account the miles were sen to. I gave Citi the correct fredquent flier number when i signed up for the card. In my latest attempt with Citi to correct this I was told they again sent it to XXXX and I would have to wait 30 days for a response. It has been almost two months since I was awarded the point but have failed to be credited to me. I expect the XXXX point I earned to be credited to my correct account : XXXX. I also expect Citi to make sure than any other miles I have earned are also credited appropriatly.

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