vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am having difficulty paying my mortgage because my taxes and insurance are not escrowed. I contacted my mortgage servicer and told them I was not going to be able to pay the XX/XX/XXXX payment because I was paying my taxes of {$890.00} and my insurance of {$660.00}. I paid the taxes and the insurance last week. Now i received a letter stating they paid it too! We have never been late on paying our mortgage until now.I asked if I qualified for a HAMP and my servicer started the paperwork for my HAMP application. I sent my documents to them within 24 hours. Now they denied me and I just received a letter stating they paid my taxes, which I did not ask them to do, and that they paid it from my escrow account. I do n't have an escrow account with them, however, they took it upon themselves to create one! Now my mortgage payment is going to increase because of the escrow. I explained to them that the reason I am having difficulty is because I was diagnosed with an illness and that the medication, treatment, and therapy have used up my savings for the taxes and insurance. They refuse to lower my interest rate, currently it 's at 7.8 %, I have a good credit score. They claim they denied my HAMP application because my mortgage payment is less than XXXX % of my income. Currently the amount of my mortgage payment being applied to principal is only {$530.00} and the interest I am paying is {$520.00}, which to me is outrageous. I am struggling financially and trying to keep my head above water. I tred to get my home refinanced, however, because I have a XXXX lien for the XXXX Hardest Hit in the amount of {$38000.00}, I ca n't get refinanced because my home is still not worth the total amount owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
XXXX representative contacted me from number XXXX. He advised I owed a debt that has already gone beyond a 7 year period and charged off. The company reached out to my private cell number without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XX/XX/XXXX, I had filled a dispute with capital one for {$60.00} I received a letter stating that I had won my dispute ; and that I would be a credit which I did. However I also had fraud on my account and for some reason the fraud customer service rep included that transaction in the fraud case and another credit was issued and had to be reversed ; I then spoke with an XXXX and explained that this issue had been going on for nearly XXXX months, and XXXX in executive resolution agreed and issued a credit to my account a good will credit ; however I then got a call from another agent who said she was reversing the credit, I objected and asked for her supervisor which did not resolve the issue, I then also called the executive office again on XXXX/XXXX/15 at XXXX XXXX mst and spoke with XXXX ; who assured me the issue would be resolved however no one she spoke to was able to report the credit. they al state it was part of my dispute ; i continued to report that it was not part of the dispute it was issued as a good will adjustment for all the time I had spent trying to resolve the issue. I also received a letter from capital one stating they would increwase my reward by {$40.00} for the hassle I have called several times and the rewards have not shown up. Finally XX/XX/XXXX I had XXXX more transactions post to my account that were not mine ; I called and reported the fraud and was told that credit would immediatly be issued against the charge which it was however then a fraud hold was placed on my account not allowing me to use the funds as I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
I had a loan with Cash Net three years ago. My motherinlaw paid the loan in full to Cash net. For three weeks after, Cash Net continued to debit my account for the amount of the payments. Cash Net was contacted, sent copies of the cancelled check, but still refused to quit taking money from my account. I wrote them a letter and included a copy of the cancelled check and they then sent my account to XXXX collection agency. They called me today and their agent, XXXX XXXX, told me if I did not pay them XXXX right then, I would be arrested and could be detained for up to 60 days unless a judge allowed bail. They then said that they would settle for XXXX at XXXX. I tried to explain to them that the debt had been paid, proof had been sent to them, and the agent then said he was a mediator and not a collection agency, yet he refused to listen to what I had to say. I then paid the {$700.00} due to a fear of being arrested. I have proof of payment so now Cash Net has been paid XXXX times for the same debt. I then asked to speak to the supervisor, XXXX XXXX, who said she would look in to what the agent said but that if they debt had been paid, they would not have been contacting me. What are my options now for getting my money back and for being threatened with arrest and detainment since I have since found it was illegal for them to do and illegal for Cash Net to continue to harass me after I provided proof the debt was paid in full? Cash Net needs to be out of business!!

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 2015-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo contiues to violate the terms of the XXXX. I am currently requesting a copy of my Loan History Y-T-D ( Year to Date ) from them. I have requested this by fax and by mail. This is not priority or confidential information. It is a computer generated statement and it belongs to me. They refuse to send it. I did request it in the past XX/XX/XXXX and received a copy with absolutely no trouble. There is currently a foreclosure issue ( XX/XX/XXXX filing ) and this information is not confidential. It is mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have reason to believe that a fraudulent account ( s ) have been opened under my name. I have received several emails from Wells Fargo over the past couple of years to proved this. The emails have been coming to me on a fairly regular basis, which includes as recent as this year, 2016. I have attached a copy of one such email that I was able to retrieve. The emails have been coming from varies different senders within the organization. Since I do not know what type of account the email is referring to, I will place it under " Other bank product/Service ''. The email address the messages were sent to over the past few years is : XXXXXXXXXXXX.

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 2016-02-24 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I 'm getting numerous threats from Wells Fargo dealer svc improper credit reporting they call XXXX times day from XXXX XXXX XXXX XXXX this want stop I sent them over {$2000.00} they have sent XXXX wreckers they have left business cards in my mail box like detective cards with out stamp they have tried too cut lock on the gate with no tress passing sign they will not stop there wanting {$2000.00} more how 's that impossible late fees collection fees I have asked them too cease and decease they want they have made threats there going too have wrecker driver attack me wow I ran them off filed with attorney general office 5 times they call my wife threaten her at work they called me last night XXXX XXXX said they call when they dam good and ready I turned that phone number over too ag office I asked them too stop reportIing inaccurate reporting on my credit bearu XXXX days late what it shows I have not hade it XXXX days I hade too hire credit repair too help me I want this too stop thanks and threats

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 2015-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
wells fargo charged me over roughly XXXX dollars in charges. They also held a check up for {$890.00}. Then they closed an account without explanation so I can never recover my monies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was told to change my credit card number since I could not get the phone number for XXXX. I changed credit card numbers and Wells Fargo still let the charge go through. The charge was {$19.00}

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 2016-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a message from CFPB on XX/XX/XXXX indicating a response was generated on case # XXXX from Wells Fargo Home Mortgage. I received a phone call from Wells Fargo on XX/XX/XXXX stating that there has been no change in status or their position, therefore no resolution. After reporting numerous times to CFPB these responses are not visible on your portal for me to view, & due to the inability to dispute their verbal response online, it is imperative that I file a new complaint. 

Despite several attempts to identify and credit my account for an unapplied payment, even though evidence has been provided, it has been ignored and denied. 

It appears that Wells Fargo performed a blend of Streamline Refinance and Hamp 2 modification on my account, and then changed the account number. The end result was not to my benefit. I was told I was being offered a modification. I signed the modification agreement under duress, even though I questioned the interest rate increase. I have been advised that a Streamline Refinance is not a modification. I have also identified a published Wells Fargo document that promotes the streamline refinance, and it states that if you accept the streamline refinance, the interest rate may be increased. I was told that the rate increase was the only way to get me to affordability, which never made sense to me. I believe I was never considered for or provided a genuine legal Hamp2 modification. I am now being told by Wells Fargo that I am not entitled to a modification ever. 

Information from published guidelines for Streamline Refinance Streamline refinances also come with their own list of requirements, namely that the refinance has a " net tangible benefit. '' In other words, it should help the homeowner, not just put money in the pocket of the loan originator. 
This generally means that the mortgage rate should drop by an amount that will eclipse any related fees, and/or that the loan is converted from an adjustable-rate mortgage to a fixed-rate mortgage. 

In my case, my current adjustable rate was 3.4, it was during a long period of time of very low interest rates, averaging 2.75, & rather than my rate being reduced to as low as 2 % as in HAMP2 guidelines, my rate was increased to 4.125, pushed out for 40 years, and subsequently the monthly payment increased by {$160.00} per month after 1 year, in violation of our agreement. Wells Fargo justified the increase by blaming the taxes and escrow account. The rate after the increase took away the entire monthly benefit of the pretend modification agreement, left me with a higher interest rate, a much higher interest period in the beginning, and many additional years to pay interest.

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 2016-01-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My Father took out a reverse mortgage. He died in XXXX 2015. I am the executrix and have been working diligently to attempt to complete a deed in lieu of foreclosure process with Wells Fargo Reverse Mortgage company since XXXX. Wells Fargo is unresponsive to my messages and calls, loses my fax submittals and sends me letters threatening me. I am looking for assistance in dealing with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo NA reported past due delinquency on my credit report. 
These were reported on XXXX XXXX and XXXX XXXX, These are both inaccurate and have impacted my credit and my ability to secure a loan for housing for the past two years. I have tried XXXX separate times to have Wells Fargo remove these past due delinquencies removed from my credit report. I fell as though the latest response from Wells Fargo NA is bullying me and punishing me with compliance condition codes applied to my Credit report. 

I am unable to secure a loan and his is impacting my family 's ability to purchase a home. 
This has been impacting our ability to secure a loan for over two years now. 

I have attached two documents : # 1. My credit report with the XXXX separate Past Due claims from Wells Fargo NA on my credit report. ( XXXX Wells Fargo ) # 2 Response from Wells Fargo ( 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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I 've worked for XXXX for almost 10 years now. When the public service plan was advertised I contacted XXXX XXXX to ask if I was eligible. I was told no because I 'd consolidated my loans already. So I left it at that but still participated in the IBR plan. Last year, I thought I 'd just check again. This time I was told that yes I would be eligible, but would have to transfer my loan to the government directly, and the almost 10 years of consistent repayment would be erased. Had the XXXX XXXX Rep explained that I would have to move my loan from them, I 'd be in a different situation. I feel like that information was withheld on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Amerihome Mortgage XXXX XXXX services my loan. They purchase my loan from the loan originator with an impound account for insurance and taxes in place. My homeowners insurance expired XXXX/XXXX/17 and rather than contacting the insurance company to obtain a bill, they sent me a letter indicating that they are going to force insurance on me unless I sent them proof of insurance. Additionally, they indicated that going forward, every year I must submit the bill to them and proof of insurance. 

When they purchased my loan, they did not reach out to the insurance company to correct the loss payee clause to reflect Amerihome Mortgage, so any updated insurance info is going to the original mortgage company. They have the funds in my impound account, but rather than contact the insurance company on file and pay the bill, they are putting the burden of paying the bill on myself. They are putting the burden of forced insurance on the homeowner rather than properly servicing the loan.

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 2016-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wellsfargo and XXXX XXXX ( Wellsfargo foreclosure attorney, located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ) foreclosed on my house while under bankruptcy protection. Bankruptcy was filed on Friday XX/XX/2016 and house was sold by XXXX XXXX XXXX on Tuesday XX/XX/2016. I have attached the email that my agent that was helping me with a shortsale with wellsfargo sent me stating that they receive a call from Wellsfargo stating that the house was sold on Tuesday XX/XX/XXXX. I called the foreclosure attorney 's office and they told me yes the house was sold to a third party. I ask for the name of the party and the amount it was sold for. They told me it was private information that could n't be released to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Unauthorized party is showing a charged auto loan account which I never agreed to in principal, theory, or endorsement. I request this item to be removed from my credit profile immediately.

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 2015-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I got behind on my mortgage due to job loss. I was served with foreclosure papers by my servicer America 's Servicing Company. I was given the opportunity for foreclosure intervention by submitting the application and documents such as paycheck stubs, hardship letter, bank statements, and unemployment records to the attorney assigned to the case by America 's Servicing Company. I did this as requested sending the documents through the mail certified to the attorney 's office by the date specified in XXXX 2014. After this I heard nothing from the mortgage company or attorney for several months. In XXXX 2014, I was sent a letter from the attorney stating that I never submitted the required documents and therefore was ineligible for foreclosure intervention. I answered the letter to the attorney 's office and to the court on record for the foreclosure showing the certified letter receipt that showed the package was received by their office and who had signed for it. I still got no response. The process was allowed to continue making me further behind. If the attorney and servicer would have looked at the paperwork back in XXXX 2014, I would not be as far behind in my mortgage as I am now and would possibly have had a resolution getting my mortgage caught up with foreclosure intervention. Now that the foreclosure process has gone on and now that I am back at work and able to afford my mortgage, America 's Servicing Company does not want to listen to the fact that this could have been fixed over a year ago and is not willing to work with me for a modification to get my mortgage current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
XXXX XXXX I co-signed a vehicle loan for my brother. We got Wells Fargo. XX/XX/XXXX the car was totaled. A payment of XXXX was made XXXX, XXXX. The monthly payments are XXXX a month, leaving a balance of XXXX due on a 48 month loan. I did not know the car was totaled until XXXX, XXXX. I immediately contacted Wells Fargo on XXXX XXXX, XXXX. I was in contact with them until XXXX, XXXX going though XXXX cunstomer service reps. and XXXX account Managers. Each process with ruder and ruder associates. XXXX asst., # XXXX and XXXX acct. Manager # XXXX being rude and of no help, with just the opposite of any prior help. I asked why my account was not reflecting 20 1/2 payments that they were paid on XXXX, XXXX by the insurance and did I still have a 48 month loan. I was told yes by the XXXX account manager XXXX and not to go by what my account was showing. They have since file 2 late payments on my credit report after stating this would not be done. They also suggested doing an insurance deficiency re-write loan. I did that and they refused me. They all agree I still have a 48 month loan though.

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 2016-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
My mortgage company aused me {$220.00} in overdraft fees in my checking account because they tried automatically withdraw payments out of my account 6 times with out permission.

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