vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX I went into my auto loan website to make a payment as I normally do each month. I received a " website experiencing difficulties '' message try again later. 2 days later I tried again and the process completed. On Tuesday morning when checking my bank account I noticed 2 payments processing at the same time one after another. The duplication was obvious and since it was in the " processing " I called my bank right away - my account became overdrawn by {$600.00}. My Bank ( XXXX XXXX XXXX ) told me to contact the loan bank ( Wells Fargo ) I called them and asked them to please correct the duplication since it had not completed processing. The customer service person worked with me and got back to tell me there would be a refund within 48 hours. After Thursday and no refund I contacted them again ( Wells Fargo ) and they checked the notes and told me the refund was processing. I was in bad condition with my account with {$140.00} more in nsf fees and items returned. I had to file a claim with XXXX XXXX XXXX for the duplication and they helped me a bit by crediting back the payment. After XXXX weeks I never received the refund and when I called Wells Fargo the story changed now, they credited my second payment to XXXX XXXX - almost 2 months after the website issue. I am still struggling to get my budget back to normal but it has been hard. Now I am unable to resume making payments in the Wells Fargo site and they are blocking my bank account number from being used. When I contacted my bank ( XXXX XXXX XXXX ) to lift the hold, they stated they had no hold and Wells Fargo initiated the hold., Wells Fargo will not allow me to resume my online payments and I am being charged {$86.00} in late fees. This is more than predatory in nature, it is dishonest and bad. I do not earn that much and it has been difficult for me to try to catch up with the damage that continues. I am thankful at least my bank helped me a bit but this nightmare is not over.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from Wells Fargo. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that Wells Fargo and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I 've requested a mortgage modification and submitted financials to Wells Fargo Home loans several times. I have been unable resolve this matter because Wells Fargo refuse to process my request. I have spoken with several relation managers regarding this matter. I 've been told they have n't received my documents or they need documents I have previously forwarded to them. It is very apparent to me Wells Fargo is intentionally mishandling my request. I 'm currently residing in the property and I do want to maintain ownership of my property. There is a property foreclosure sale set for my property XXXX/XXXX/2016. I recently received a property foreclosure correspondence from Wells Fargo foreclosure Attorney, The correspondence is not a XXXX notice prior to the foreclosure sale as required by Texas XXXX. I appreciate your immediate attention in this urgent matter. Thank You

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 2016-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I had a bankruptcy 3 years ago and at that time I had a loan from Wells Fargo but this loan was not included on the bankruptcy .But now when I check my credit report it is in there as part of the bankruptcy. This loan was paid off in full and never even had a late payment. I contacted Wells Fargo remove this from the credit reports but they said they could not. I do not know where to proceed next to get this off my credit report.This is impacting my credit and I need it removed.

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 — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Bought house in 2009. Needed to refinance a few years later, due to extreme decrease in income. Wells Fargo ( initially Wachovia ) stated not to pay mortgage for a few months as to prove I could not make current payments, and they would be more likely to be able to refi thru XXXX program. Started making 'trial ' payments while getting paperwork finalized. During process, paperwork procedures changed, and no payments were recorded, to which I switched gears and went thru XXXX to save my home. Wells Fargo HAD to approve program for me to be in it, which included WF receiving funds to bring mortgage current. Wells Fargo was receiving monthly payments from XXXX, and FORECLOSED ON MY HOME WHILE THEY WERE RECEIVING MONTHLY PAYMENTS FROM XXXX, unbeknownst to me. Immediately when payments were done, I contacted WF to finish remodification, to which I was told I would be able to save my home. I worked with the SAME preservation specialist for the next several months XXXX in getting all needed paperwork and signatures to them. The last conversation I had with specialist, was to call the next day after all paperwork was sent in ( for the 3rd time ) and they would be able to give my my new mortgage payment. When I called, as instructed the next day, the SAME specialist told me that WF foreclosed my home 8 months prior. When asked why this information was just being told to me, it was stated that she did n't know this whole time. I called XXXX more time after this to discuss, and was told EVERY time I called, that I would be able to remodify. I then told whichever specialists I spoke to that I was told that WF foreclosed my home, to which they would put me on hold for 20 minutes, then come back and say 'oh yes, sorry. nothing we can do. ' In addition, thruout this entire process, WF has been sending any correspondence to a lawyer, who 's services are no longer retained nor have they been for this whole process, to which WF has been notified several times. In addition, have not been able to make any updates on this home that I have worked so hard to get and to keep. I have done everything WF has instructed me to do, every step of the way, and lost money, a good credit history, faith and countless hours in this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo ( or a company purporting to be from Wells Fargo ) robo calls my work number at least five times a day. When I do answer, no one is there. When I attempt to call them back, I 'm put on hold with a recorded message playing and no one picks up. Please stop the robo calls to my job as each call is recorded on my phone record and it does n't look good to my employer. The number they are calling from is XXXX XXXX XXXX XXXX. I had an account with them a few years ago, but they have sent nothing in writing to my home address, nor tried to reach me at my home. They should have all that information in their files.

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 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, FL . XXXX To whom it may concern, Loan Number XXXX with Wells Fargo I was struggling but my mortgage was up to date went I received a call from XXXX XXXX one of Wells Fargo representative who explain to me that they are going to give me a break for six month and after the six month they would restructure the loan to made it more affordable and for the six month that I did n't pay they would put it back at the back of the account that was XX/XX/XXXX 
Between XX/XX/XXXX or XX/XX/XXXX There were someone at my door handed in me a foreclosure notice, So I went and got a third party name XXXX XXXX XXXX XXXX XXXX they also goes by the name XXXX. 
After paying them XXXX dollars I request to speak to Lawyer and I told her that I want to attend the court that when she told me that the case is in the first stage so I ask her how long it goes to go on for she told me about three to four year I ask if I have to continue paying the XXXX dollars a month and she say yes so I told her that not going to work and I 'm not going to pay no more money and they should stop representing me. 
Now went i get the court paper the date on those court paper would be expired. 
I received a call from XXXX XXXX wells Fargo representative telling that the property will be sold at action on XXXX XXXX XXXX. I did n't go to court but I was inform by XXXX XXXX it did n't go through and he gave me another date went it will be sold XXXX XXXX XXXX. I went down town to file a motion to cancel the sale. Enclose a copy of the motion. 
On XXXX XXXX XXXX I went to the court someone at the door checking the paper told me that there is a mistake on my paper work and he would let me in so I did have to leave. 
Again I received call from XXXX XXXX letting me no that the property own be sold he is given me the modification and that is what we working on from time until now. 

Your truly XXXX XXXX This is a follow up letter I wrote to the CFPB last year but I did n't got a respond so this is the second attend.

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 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I became a Wells Fargo customer in XXXX with, as far as I know at this time, XXXX checking account and XXXX savings account. After reading about the recent news about Wells Fargo I started to review my old statements. I believe starting in XXXX, I became a victim of fraudulent fees and possible unauthorized transfers as a result of their banking practices. I have full documentation of all account use since XXXX. I am attaching a statement from XXXX and XXXX XXXX as an example.

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 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have deposited a check on XX/XX/XXXX for {$4000.00}, they gave me an available balance of {$4000.00} the next day, and I went to a local Wells Fargo Branch and I withdrawed {$2200.00} and they told me the check was good to go. The next day they called me and told me that the check has bounced, and I asked them why did they give me an available balance if it hasnt cleared and they said my employer was at fault. Two days after they called me from an Oregon Office and they said they are opening a fraud claim and I would get my money back in 5 days. After 5 days I called them and they told me it was just a research claim and that I have to open a new claim. And so I did, and they told me that I have to wait for 10 days. I waited and called them and they have told me that my claim has been denied because of the bad check.

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 2016-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has a ***derogatory remark on my Credit Report***. I went through a bankruptcy that was discharged in 2014. MY HOUSE was NOT included in the bankruptcy! I have not missed a mortgage payment in 11 + years since I bought the house. This is stopping me from applying for a re-finance or another house purchase since I am looking to downsize. That remark needs to come off from Wells Fargo!!! Help me please ... .Thank you, XXXX XXXX XXXX ************None of those options below apply to me, not sure what to check off*****

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 2017-01-10 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: DE

Complaint narrative:
In XXXX and XXXX I began making extra payments on the my loan with Wells Fargo to get ahead of my balance. This resulted in my payment due dates being pushed forward-so at XXXX point I did n't have a payment due for 1 year out. I made a decision in late XXXX to utilize that feature of the pushed forward payment date because I needed the extra cash. It was not a forbearance or income continent loan. My statement indicated that I did n't owe a payment for close to a year and I did n't make the payment. I understood interest would accrue. However, at no point via my statement or a separate letter did Wells Fargo inform me that when I resumed payments they would only applied to the interest accrued during the timeframe. Also they did n't notify me of the amount accrued during the time and how long it would take to pay it off. It was n't until XXXX XXXX that I started to realize my balance was n't decreasing at all. I was set up for auto payments and saw several adjustments include XXXX reductions for my monthly payments. It was messaged to me that the reductions were to ensure I stayed on track towards the end term date. When you are on auto payment, you do n't have a choice to not have your payments adjusted they do it based on the monthly re-amortization. Now, I have two years of accrued interest that must be paid and I am still accruing interest while i '' m paying that off. They informed me that I likely would have a balloon payment at the end of my loan term to account for the additional time to pay off this accrued interest. There was a complete lack of transparency regarding this process, the impact of my decisions and my ability as a consumer to make an informed decision. If I did n't call and ask all of these questions, I still would n't know what was happening. They shared that they no longer have this practice but I had been grandfathered in. Lucky me! Wells Fargo went out of their way to provide just the bare minimum of information via statements and their website without any concern about the impact to the consumer.

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 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I lost my Wells Fargo debit card, thought I had misplaced it. I logged on today and saw deposits being made into my account from XXXX ( I live in XXXX ). I immediately stopped into my local branch to freeze the card & inform them of the ATM deposits I saw online. Well, guess what? They advised me my account would be closed on XXXX XXXX and after their investigation I can recoup any funds left in my account! I am a XXXX Veteran and victim here! I told Wells Fargo I lost my card and was the one that brought the out-of-state activity to their attention! My local banker tried to rally for me but the person on the other line ( corporate? ) would not budge, even when he pleaded that they were about to make a XXXX homeless! I am sick to my stomach because my VA XXXX posts tomorrow and I have to pay my rent, electric, phone bill, insurance, car note, etc. but Wells Fargo does not care! They advertise how " Veteran Friendly '' they are but we all know how the big banks do nothing but look out for themselves and destroy the lives of thousands of their customers that put their trust in them to do the right thing. I argued with family & friends that I should give Wells Fargo my business ... I should have heeded their objections.

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 2015-12-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: KEYCORP
State: NY

Complaint narrative:
Every month i pay my bill on time. However the last two months i have been receiving constant phone calls as if i am not paying. Each time it some company associated with Key Bank. They are stationed in the XXXX, XXXX, and XXXX was in XXXX. When i start to complain they transfer me to some one at Key Bank. I ask why they are calling me and they just give me some run around with no actual answer. That is however not the worst of it, my father co signed my college loan with me. So they call him as well. They called him 7 times a few days ago. But the bill was paid. I could not understand. I have about 6 missed calls on my home phone from them. at this moment. If i am paying my bill on time, every month why are they calling me like i am a criminal. And it is not a cheap bill either. I pay almost {$500.00} a month to these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMB, Inc.
State: NC

Complaint narrative:
I incurred a medical bill due to the deductible being owed, which I do not dispute. Prior to the XXXX, I was contacted about paying the deductible, which I did not have in full at the time so I paid {$500.00} of an approximate {$3900.00} deductible. After the completion of the procedure, I received the invoice for the balance and immediately contact the hospital billing department to make payment arrangements. Of an approximate {$3400.00} bill, I agreed to pay {$250.00} per month until the bill was satisfied. I made approximately XXXX payments of {$250.00} when suddenly I got a collections notice from a debt collector. I immediately contacted the debt collector, and expressed my disappointment that the bill had gone to collections, especially since I had been making the substantial {$250.00} per month payments. Nevertheless, I assumed responsiblity for the bill, and agreed to a payment plan of {$200.00} per month until the debt was satisfied in full, or of which time I was able to take advantage of a reduced offer of settlement. After XXXX payments, I happened to check my credit report, and noticed this account was reported as delinquent, and it had negatively affected my credit to the tune of almost XXXX points. I was never notified either by the hospital ( the debt owner ) nor the collections agency, that my credit might be negatively affected. And, since I had been make regular substantial payments on a debt that would have been satisfied within a year, it never even occurred to me that that might be the case. I was never late with any payments. I never disputed the debt, and did assume responsibility, and had been making regular substantial payments. Since, I was never informed that my credit might be adversly affected even in the wake of making substantial and regular payments, I feel I was deceived by the collection agency, as well as, the hospital that was the original owner of the debt. In fact, on several phone calls, I even brought attention to the fact of my desire not to have this situation negatively affect my credit rating. At no time, was I informed that this was even a possibility and was completely taken by surprise at the negative impact this debt had take on me personally. I feel the hospital and collection agency acted in bad faith, in accepting a payment plan that would have eliminated the debt in realistic time, but never advising me that payment plan would still result in a negative report on my credit. Otherwise, I would have paid much less per month as would have been less of a burden to me. However, in an effort to satisfy the debt as quickly as possible, and not be negatively affected in my credit report, I made payments in much larger amounts than was comfortable for my family and our monthly expense ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I need some help, back in XX/XX/XXXX a loan through Wells Fargo was closed out, it has been six years and now XXXX has re reported the data as of XX/XX/XXXX. I have disputed with XXXX with no resolution and even called Wells Fargo which stated because my mortgage was closed in XX/XX/XXXX, they have no record of it in their current system. 

When I asked how I could get this report date corrected, the Wells Fargo representative said I would have to submit a letter. I had submitted a letter/ dispute with XXXX for Wells Fargo to change the original report date to XX/XX/XXXX. The Wells Fargo rep said that that was all I could do. 

I need to move on with my life, I am in the middle of buying a home, I am unable to close my on my new home until this matter is resolved and if not resolved I will not be closing and lose all the money I put down. It has been years, I have worked very hard to move on with my life and making the right decisions. Please help me I am lost for words with this situation. I have a family that is looking froward to moving into our new home. PLEASE HELP

Company response to consumer: Closed with non-monetary relief