vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a COMPLAINT AGAINST WELLS FARGO AND THE UNDERHANDED NATURE THEY HAVE CARRIED ON IN REGARDS TO MY MOTHERS ESTATE, THIS IS WHAT wells fargo is in violation of regualion z as follows failure to recognize heir to the estate of XXXX XXXX XXXX, wells fargo has refused to place my on the mortgageAND ALLOW ME TO MAKE MORTGAGE PAYMENTS for over XXXX causing the mortgage fall behind XXXX XXXX good in a recorded conversation can be heard saying that regulation z doeS not apply that i need to modify the loan are get a refinance which is not what regulation z says i am at prestent time being forced to jump through hoops for a modification submitting the same information over and over.At no time did wells fargo contact me or inform me of opt that were available. For XXXX years they have steadfastly held that they didnt know nothing about regulation z constantly telling me i was behind on the mortgage and either a modification or refinance had be done or foreclosure. Yes the mortgage is behind because of their unfair racist discrimination practices, I want wells fargo to furnish any material they have showing that they reached out to the heir and offered the opportunity to go on the loan they ca n't. If CFPB HAS ANY BACKBONE THEY WILL PUT AND END TO THE LIE OF THIS RACIST BUSINESS PRACTICE. WHAT I 'VE CONSTANTLY ASKE WAS TO BE PLACED ON THE LOAN WITH OUT ALL LIES AND DENYING THAT REGULATION Z EXISTED PLEASE HAVE WELLS FARGO PROVIDE PROOF OF THEIR COOPERATION THERE IS NON THEIR INTENTION HAS BEEN TO DRIVE THIS HOME INTO FORECLOSURE AND STEAL MY PROPERTY THE EDVIDENCE FROM COURT TRANSCRIPT SAYS SPEAKING UNDER OATH WELLS FARGO ATTORNEY SAID NOTHING COULD BE DONE OBJECTED TO THE COURT TAKING JUDICIAL NOTICE OF THE CFPB AND OR REGULATION Z, i AM THE HEIR TO THE ESTATE OF XXXX XXXX AND HAVE BEEN DENIED ANY OPPORTUNITY TO MAKE PAYMENT WITHOUT BEING SUBJECT LIES.,.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hi Wells Fargo bank complaint I tried withdrawing my funds to pay my rent on the XXXX of the month, as I always do, the bank did not allow me to do so. 
They placed a block on my card without my permission. 
As I result, this has cost me about {$30.00} in transportation fees. Possibly a late fee on my rent too. I said a prayer hoping that they do n't. 

They said that there are daily limits on my account. I asked for an increase on my daily limit. Wells Fargo declined it. 
I have had my account in good standing for almost 1 yr now. 
There is no reason for the company not to approve the increase. 
It 's a checking account, not a credit card. 

My check is on time every month, and the same amount is deposited. 
All companies are aware of when deposits are coming in from ssa. 

I 'd like to see a withdrawal limit to the amount that I deposit each month on the XXXX. 

I have been working hard to clean up my credit. 

Can you make a change to banks to increase at least the debit card charging to the amount that is deposited into my account each month? 

This way all of my bills will be paid automatically when my income comes in, or most of them. 
I can then get my money order for free at XXXX, instead of paying {$5.00} for a cashiers check, and having to withdraw cash to get a money order. 
I tried quite a few times to make sure that I got it paid yesterday. 
It is their daily limit policy on the opportunity checking that makes it difficult. Especially when I have to work that day, and the bank is closed when I leave work. 

This is much safer than carrying cash. 

Thank you for your time. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have a mortgage serviced by ASC ( Wells Fargo ). It is a balloon loan with final payment due XXXX 2016. The rate is 10.5 %. The house has fallen into dis-repair due to health issues. It is currently uninhabited. I am current on my payments, however it is ruining me financially. I am living paycheck to paycheck. My LTV is about XXXX %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In the matter of XXXX vs. XXXX, XXXX XXXX INDEX # XXXX Summons and Complaint : No one personally served Summon and complain upon defendants, mail or otherwise. 

On XX/XX/XXXX @ XXXX at XXXX XXXX XXXX XXXX XXXX NY, XXXX, XXXX XXXX XXXX sworn to an affidavit of service that he personally served both XXXX, XXXX XXXX on XXXX, XXXX XXXX XXXX had to have keys to enter the building to go to the second floor. This is a private building with a secured front door. At that time in question I was at work and XXXX has a XXXX, there is no other way she could have gone down the steps to the front door to open it without my help. If XXXX XXXX had served me XXXX XXXX at that time and date at XXXX XXXX XXXX XXXX NY XXXX then the affidavit of service would of have some substantial merit. NOTICE that XXXX XXXX XXXX did n't give any characteristics of the hallway or the building description, furthermore he describe XXXX XXXX as XXXX indicating he never came into contact with XXXX XXXX. 
NOTICE : That XXXX XXXX XXXX was reprimanded for acts of the same nature : DEPARTMENT OF CONSUMER AFFAIRS against XXXX XXXX Violation # XXXX. 

2- After an intensive investigation, all assignments of this mortgage are fraudulent in nature a matter of factual discovery there were no sale. All plaintiffs, XXXX, WELLS FARGO and all of them have no standing to bring any foreclosure action and have brought fraud into the honorable court. 
Assignment of Mortgage to XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. 
XXXX XXXX XXXX working for Wells Fargo NOT XXXX. 

Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. working for Wells Fargo NOT XXXX Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX, Home Equity Mortgage Asset-Backed Pass-Through Certificates, Series XXXX. 
Signed by XXXX XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee, onXX/XX/XXXX i call WELL FARGO and spoke to XXXX XXXX XXXX @ XXXX that confirm that XXXX XXXX XXXX XXXX is an employee of wells fargo NOT XXXX. 

ALL INFORMATION ARE FACTS WITH SUPPORT.

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 2017-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We have been processing a short sale for months now with Wells Fargo. They ordered a new BPO and appraisal and were updating me a few times a week that they were just waiting for the value to come in. They sent me a few emails last week that they escalated the BPO results and would let me know ASAP as soon as it came in. Not having heard anything, I sent a few follow up emails to the negotiator and his manager but they went unanswered. I followed up with a phone call and was told that the file was removed from short sale 2 days ago and a sale date was scheduled for XX/XX/XXXX. They said there was no one available that could speak with me regarding this file.

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 2017-02-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo Student Loan reported for 4 years that the amount due monthly on XXXX different loans was : 1. {$11000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
2. {$17000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
3. {$2200.00} per month, paid monthly for 56 months = {$120000.00} Add all these loans the total debt Wells Fargo reported to credit bureaus is {>= $1,000,000} due. 
They have reported this to all XXXX credit bureaus for the past 4 years, causing my debt to income ration to be over 5000 %. Furthermore this is not accurate and there is NO student loan over XXXX dollars, especially not for the XXXX College I attended. I have disputed this inaccuracy for 4 years with the credit bureaus and Wells Fargo ; neither party has corrected the credit file. To add insult to injury XXXX of these loans are not mine, which is proven by the forged Master Promissory Note, and the second Master Promissory Note is not signed, Wells Fargo mailed these documents to me XX/XX/XXXX. 

Throughout the years as I have disputed the accuracy Wells Fargo has changed dates repeatedly and or re-aged the debt. Also on XXXX they deleted the terms but left XXXX and XXXX the same both still reporting over XXXX debt. Or the date updated will change if if they was no actual change to the date. 

XX/XX/XXXX Wells Fargo sent me a XXXX Cancellation of Debt -Decision to Discontinue Collection. However these accounts still show on my credit report. I called them XX/XX/XXXX and requested they delete the accounts now that I have to take the matter up with the IRS, XXXX the account manager refused and said they have been reported correctly, however they did not review all the disputes I have sent over the years. 
This has negatively affected my ability to obtain credit, buy a house and has been very XXXX. I have been forced to pay higher interest rates. Wells Fargo wrote this loan off and I am sure deducted in their business taxes, they should not be allowed to report inaccurate information and now claim double jeopardy by getting a business write off and continue to affect my credit worthiness.

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 2016-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
re wells fargo bank mortgages, XXXX CFPB casses against, re wells fargo partial responce letter yet again i can not open? numerouse complaints for the same actions what is the piont sending something i can not open? so i have desputed on them grounds, Please explane why wells fargo bank can not email me they have served documants to case on me why dont they want to EMAIL

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
Consumer complaint received 2015-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank enrolled my account into their rewards program ( {$50.00} annual fee ) without my permission or consent. Is n't this illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Dear XXXX ; In receipt of today 's conversation with the representative and point of contact from the Wells Fargo Home Mortgage Executive Resolution Team, XXXX XXXX. It has become crystal clear to me that not only are the representatives stalling for time and are also un-knowledgeable concerning my account. I was given a scope of reasoning for which there were XXXX escrow analyses performed within a three month period, without my consent. Additionally inquiring about the unapplied funds from the deposits I personally made. XXXX for {$490.00}, {$820.00} and {$1100.00}, which have not been applied and gaining interest by Wells Fargo. The reason I know this is due to the fact that I have now begun to receive correspondence from the NC Foreclosure Prevention Fund and State Home Foreclosure Project / case # XXXX. XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX XXXX. When inquiring to XXXX XXXX as to why I started to receive this correspondence and if the deposits I made had been applied, his reply was that he had no knowledge. One of the reasons one is appointed a point of contact and working on this issue since XXXX 2015, is to gain a scope as to why this is occurring. It is appalling to continue to be forced to have an outside agency look into these matters, when this organization ( Wells Fargo Home Mortgage ), is supposed to be of assistance in these matters. I have personally walked into the branches of Wells Fargo and made all of my payments over the counter and in person, I 'm also familiar with the branch managers. They have also had to hear of my frustration with the XXXX branches. Additionally when making these payments, it is my understanding that Wells Fargo Bank , N.A . are directly linked to Wells Fargo Home Mortgage, in making and receiving payments. So I ask the question, why are my payments not being directly applied to my accounts. I herby request a full audit of my records and payments and also request a point of contact that is fully knowledgeable with the payments and banking institution of the XXXX. I also requested all payments posted, as I have all of my bank deposits and records available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Debt was paid XXXX/XXXX/2014, Was promise to remove/delete file from XXXX credit bureaus

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Integrated Recovery Services
State: TX

Complaint narrative:
XXXX called my sister told her " if I did not contact him that my job will be in jeopardy. ' I contacted XXXX asked why he was communicating my debt with persons other myself. he proceeded to threaten me by telling me he will put a lien on my mortgage and vehicles. He also stated that he will contact my boss to make sure he knew about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
To whom it may concern, I had a mortgage with Wells Fargo since XX/XX/XXXX, and just recently XX/XX/XXXX my house was foreclosed upon and sold at sherriff sale. I tried for a loan modification with them supplied them EVERYTHING they needed twice. They did not help me, said I did n't qualify because I did n't make enough money to pay a mortgage. So now we have to be out of our house by XXXX per the sherriff. I am highly XXXX, considering Wells Fargo was bailed out by the government and they could n't even help me and my children keep my house. I am tired of playing the game with the mortgage company considering they are getting an empty house when it has n't even been sold, and putting a family of XXXX on the street, with as of right now nowhere to go while they sit making their XXXX figure checks, I hope they can sleep at night knowing this. I am not going out without a fight, this is my house and I could have been paying them something even if it was not what they were asking for monthly, they could have obliged!!!! Also my housing Counselors office ( XXXX ) that was supposed to file all my paperwork, had me do everything minus what I could n't and she could do. I feel they did not go above and beyond helping the customer out while them too are getting government funding to do their job, it 's a disgrace how many times I had to go to court to be told the same thing that Wells Fargo is tired of trying to help me out ... really, when did you try to help me out? When you sent me the foreclosure papers, not helping me with a loan modification, sherriff sale eviction, which one did help me out again with, I 'm confused. They should be ashamed of themselves all of them, from the top to the bottom. You did n't help anyone out but yourselves in your pocket.

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 2015-03-30 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: IA

Complaint narrative:
I was in the XXXX program at XXXX XXXX XXXX XXXX College in Iowa. I had taken out all of the federal loans that I could available to me. The head of the hygiene department recommends you do n't work during the program because it is so difficult. XXXX recommended the Wells Fargo student loan program. I was naive signing up for the loan because I thought I could pay it off quickly after school. I could n't have been more wrong. 

Unfortunately, I was moderately XXXX right out of XXXX school from a bad XXXX who called me by the wrong name then XXXX Not Wells Fargo 's fault but I have been working full time in constant pain making a good income to pay off this student loan. I am struggling to pay it off because the interest on the loan is so high. And I 'm doing that because I want to do what 's right and pay off the amount I borrowed from Wells Fargo. It 's a 30 year loan and the interest rate is 12.24 %. Almost all of the payment goes to the interest on the loan, not the principal. The amortization schedule is crippling. 

I took out {$20000.00} initially. By the time I started repayment after XXXX, I owed $ 27,000+. I 've been paying for 5 years totaling {$12000.00} and the principal balance still owed is {$24000.00}. We 've asked them repeatedly if they would accept a payout amount and have been turned down and they want {$24000.00}. We 've even stopped making payments at their customer service staff 's recommendation which damaged my credit to see if they would work with us. I was almost to default ( I cringe thinking about it ) and no luck they would not work with us. Also, Wells Fargo denied their customer service reps would ever recommend that to us. 

I found out another girl from my XXXX class is struggling with the same issue. I 'm not alone. I ca n't even imagine how many other past students are struggling with this right now. Please, I beg you not to take out a Wells Fargo student loan so they can no longer offer this predatory loan to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In 2008, I was offered a credit card from Wells Fargo Bank. I excepted the credit card incase of emergencies and went over the particulars with a personal banker. One of the topics was rather I wanted to have it linked to overdraft perfection ; I declined to have it linked to overdraft protection as I used a saving account for this. I also knew that if attached to my credit card that interest would build on overdrafts and any fees. 
I attempted to use the card during an emergency sometime in 2008 after never using it and found out that the credit card was full in the amount of {$800.00}. I contacted the bank and they told me it was link to my overdraft and that is why it has the amount of {$800.00}. I took responsibility as my car insurance came out and I used my debit card for about 2 days not knowing it was over drawn. Wells Fargo charged me fees on top of using my credit card which I never allowed them to use for overdrafts. If It was set up to my savings account like I had requested, the money would have been taken out of there and I would have only been charged XXXX small fee. The banker had signed me up for this to gain more of his/her incentive and I went to the branch to dispute this but they continently told me there was nothing they could do. I paid on this bill as I continued to try and dispute it but they would not help in any way. 
I have been paying on this credit card and have it almost paid off. During this time I was still disputing these charges and about a year ago I did not want to pay anymore until they worked with me as this was unlawfully and unknowingly attached to me account and the card has a really high interest rate. During this time they sent it to collections and I am now having issues with my credit and obtaining any financing. 
I am and have been willing to pay my over drafts and even the fee that would have been placed to my savings account. I have now paid XXXX 's of dollars in overdraft fees and high interest due to this banks negligence to monitor what their personal bankers do to receive there quotas. 
I have no problem paying the card off at this point but I do n't deserve to have this negatively affecting my credit as I have paid them over a XXXX 's in interest and fess that I should have never even had to begin with. ( fraud )

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