vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank is not applying extra paid on the payment to the principal they apply it to the next months payment. I called them to complain and at first I was told they do not apply the extra to principal they did not have to, and there was not way for them to do that. They do not give an option online when making payments for extra to be given or applied to principal. When I stated that is not legal then they tell the only way was to send in a check by mail with instructions to apply to principal otherwise it would be credited towards the payment/interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have reached out to this company many times to help with the late payments they are reporting to my credit. I would like to work with the company to have the late payments removed to help me build my credit. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mother unexpectedly passed away last year leaving matters regarding our home up in the air. I was unable to communicate with her mortgage company until I completed the probate process, this made me I fall into foreclosures hands. I am trying to keep my mothers home, and have requested a modification with Wells Fargo. I was advised that they would work with me, I was told that all I needed to start the review was a form XXXX that I submitted with a checkstub and my XXXX. Now 2 days before my sale date I am being told that they require a full file, I could have sent this to them last week, now I am rushing to get these several documents over to Wells Fargo within a day. This is not right. To make matters worse the person I was advised would open my file is not available to take my calls, every supervisor is in a meeting, just excuse after excuse to refuse to help me and foreclose instead. I am trying to do what is right things have not been easy for me and I thought Wells Fargo understood that- I guess I was wrong, this is the first sale date for my mothers loan and they will not even allow me a couple more days to gather the laundry list of items they requested, I am hoping that I can work something out soon, I do not like to be in this predicament, I work in law enforcement helping people is my job- I was not prepared for this type of mistreatment.

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 2016-09-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Today 's mail had a letter and other materials for an " automatic upgrade to the Wells Fargo Visa Signature Card '' from XXXX XXXX XXXX, Senior VP, Credit Card. Unfortunately, the materials consisted of XXXX words in very small fonts explaining the " benefits '' of the program. The main cover letter contains confusing and sometimes contradictory wording. We called Wells Fargo customer service, XXXX, in an attempt to get some clarity about what was being offered. The representative on the phone was unable to help, seeming unfamiliar with the offer. All I really want to know is what is different about this card being offered compared to the card we have right now. The obfuscation here is mind-boggling!

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 2016-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear XXXX, I am seeking help to resolve home loan matter since XXXX. I filed for bankruptcy back in XXXX and was not aware that you all would not reaffirm my home loan at XXXX XXXX XXXX XXXX GA XXXX. LOAN # XXXX after chapter XXXX bankruptcy. XXXX of XXXX the house was destroyed by fired due to lightening, I have reached out to the Recovery department trying to resolve this matter as well. I have even gone as far as hiring attorney XXXX XXXX The XXXX Law Firm, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX here in XXXX Ga. to help and we XXXX continue to receive system generate letters repeated even after several request to settle this outstanding balance. I need help to this resolution. We received notification that we would have an answer by XXXX XXXX. Just today I received another letter stating XXXX XXXX. The next week we will receive another letter until we make another written request and phone call to resolve this matter. 
Can you please assist with me closing this account out in full please and restore my account with FHA lending as well. I have the check and ready to move forward with this immediately. We do n't know what to do the insurance company XXXX XXXX Insurance wants to resolve as well as we do. We have the check to resolve this matter. But being refused helped. 
Anything you could do is greatly appreciated. 
Sincerely XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
In XXXX of 2014, my family relocated from XXXX to XXXX. In the process of switching bank accounts and payment information, I switched the automatic payment account information with Wells Fargo Dealer Services. Because of a time lag in processing, I missed a month 's payment. Unbeknownst to me, this has been following me ever since. I have autopayments setup and e-statements sent. At no point did I receive correspondence from Wells Fargo that the delay happened, that I was accruing late fees, and that they were reporting to the credit bureaus that I was always a month behind in my payments. It has had a severely negative affect on my score. The only reason why I found about this was because I called them about starting a new loan and the agent caught it. I am now three weeks without resolution from them and I am being charged over {$600.00} in late charges. One agent said that they had been trying to get in touch with me with the old phone number on the account and not the current one that I submitted when I updated my account information. I have followed up with phone calls only to be told that a " manager '' will get back to me. I submitted paperwork to their XXXX but heard nothing. My payment history supports my on-time payment history and how quickly I would have responded in fixing this. Their poor communication and systems management results in the consumer suffering. When I went to get a new auto loan, my score prohibited me from getting a better auto loan rate and I know it was affected by this 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 2016-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX of XXXX I lost my job and became worried about being able to make my mortgage payments. I called Wells Fargo Home Mortage to ask at what point payments made after the due date would report to the credit bureau. After a lengthy conversation with WF about my situation/concerns they suggested I take advantage of a WF Forebearance Plan for my future payments until I became employed again/ or was able to make my regular payments. After 2 additional conversations with WF prior to agreeing to this plan, I was assured two senerios would NOT happen. 1. No late payments would report to the bureau and 2. No lump sum of money would ever be due from me ( all late balances would be added to the end of my loan ). In XXXX of XXXX, ( btw while I was recovering from XXXX ) I received a certified letter from WF stating that I was to pay {$13000.00} or my home would be in foreclosure. I was in shock. I reached out to them to try and get this resolved by explaining what happened but I was very sick so I borrowed the money and paid the $ XXXX to their attorneys. I was too sick to take this on. After recovering ( or so I though ) I had another XXXX in XXXX XXXX which again forced me to put this unethical treatment on the back burned until I could fully recover. In XXXX XXXX, I had a copy of my credit bureau reports sent to me. All 3 show late payments of 120 days from Wells Fargo. The $ XXXX was disbursed as monthly payments that were late even though I had paid the agreed amount on time based on their Forebearance plan amount. This negative reporting has been on my credit report since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Originally, I opened a single checking account at Wells Fargo. Agents of Wells Fargo then began opening new checking accounts and credit cards in my name, going so far as to move my balances around the different accounts. When I asked them to close all my accounts, they stated they would, but never did. This resulted in overdraft fees, and a huge negative impact to my credit.

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 2016-09-16 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I visited my bank on XX/XX/XXXX16 for the purpose of withdrawing {$1300.00} from my savings account. After the teller counted the cash, I requested an envelope. He gave me the change from this transaction, but not the envelope with the cash. I was not aware of this until I left the bank. I returned to the bank within 5 minutes, but the teller claimed he gave me the cash. Bank employees checked my purse as well as my car.This envelope with cash could n't just disappear into thin air. The bank in question does have a Resolution team, but since this is 'in house ' I feel they could be biased. Also, an entity within the bank has viewed the video from this transaction and can only tell me the video is inconclusive. I do n't understand this. If they can not show me that the teller handed me the cash, I would think the bank findings would be in my favor. I have filed a police report as I feel a theft occurred and the bank is not allowing the police department to view the video as of the date of this writing. 
The bank is not being transparent or forthcoming with information.I believe you to be the only agency that can assist me with resolving this issue. I also want to note that this bank has no video cameras outside their front door, so no determination can be made as to what happened when I exited the bank. I think, overall, the bank 's lack of security regarding cameras is appalling.The bank in question is Wells Fargo, located XXXX XXXX XXXX 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 2016-09-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I noticed a problem with my loan in XXXX XXXX but did not think of anything until XXXX XXXX when I was unable to make changes to my account. I was told that I was not on the account and that they could not help me. I have had these loans since XXXX and did not understand how this was happening. I called and got to an executive who explained to me that my social security number, name, occupation and address were for someone else and that I nothing to do with the account. This did not happen until the end of XXXX. I was told that I needed to drive to an office and verify my identity, which happened twice. I was told that they would not report my missed payments until they figured this out and that all the late payments I had received would be taken off up to XXXX XXXX. I talked with this person until XXXX, when nothing had been figured out or fixed, I contacted XXXX lawyers who did not help me and I made a police report about identity theft per lawyer advice. I was told that they would not report to the credit bureaus about the late payments because it was there fault.The company was constantly calling my mother, co-signer, and telling her to make payments or they were going to put it to collections. I called the company back last week to see if anything had been done to fix the situation and was informed that the other name was taken off my account. I talked with another executive who told me that he would try to get my loans out of collection, reverse the late payments, fix my rating with the credit bureaus and get me a letter explaining how and why the guys name was on the account. He called me back to inform me that they could not do any of that and that no matter what, I was liable for the debt. They have totally ruined my credit and my mother 's and made me have such bad migraines that I needed medication. They have lied to my mother and I and have not been helpful in trying to fix the situation. I tried to work with them and give them time to fix the problems but I am not getting anywhere. I just want to get this problem situated and get back on track with the loan or get it completely taken care of. I do not think this company cares about what they do or how it affects people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX, NY XXXXEnclosed are the pictures of the basement when or where it was flooded when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the Federal Income tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$1500.00} and the non-co-borrower contribution is {$690.00}. The total monthly income is $ XXXXCombine the rental income with what I received every month is : {$6100.00} + {$2200.00} ___________The total monthly income is : $ XXXXA loan modification would be beneficial to both of us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXXXXXXI have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was not informed by my jewelry store that the Wells Fargo financial who offered one year free interest would whack me with a {$440.00} interest bill a month after the year ended. I was under the assumption this was one year free interest. 

I tried working it out with the company to pay the balance off in full for forgiveness and they refuse. I was not notified close to the year end that the financing would start. I was blindsided. I have a XXXX husband due to an accident that was n't his fault and now I am about to lose my wedding band over this fiasco.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My pay was impacted when " XXXX '' XXXX hit XXXX because NJ was a Federal disaster area, all collection activities were put on " hold ''. I was not told that payments would still accrue. Since then I have been trying to get placed in a modification. I have endured XXXX Home Preservation Specialists, XXXX Modifications which have met with some level of approval and then denied or halted, deleted and omitted documents, policy changes, and lack of responses which have cost me valuable time. Upon my last conversation, I was informed that poor customer service, bureaucratic delays, and open inquiries would not suspend foreclosure activity. 
I have just found, and will fax, the documents which the Senior Analyst claims she could not find. These pertain to title issues- stating that there are " no title issues '' - which has been a recurring theme for 3+ years

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 2017-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of Regulation X, i.e. 12 CFR 1024.39 by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the 36th day of delinquency pursuant to 12 CFR 1024.39 ( a ) and did not receive the written notice of available loss mitigation options required by 12 CFR 1024.39 ( b ).

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 2015-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I AM TRYING TO GET wELLS fARGO TO DROP OR DECREASE MY MONTHLY MORTGAGE INSURANCE PAYMENTS. I WAS SENT XXXX LETTERS THAT GAVE ME THE RUNAROUND AND THEY WILL NOT RETURN MY CALLS. TO TOP IT OFF, A WEEK LATER I RECEIVED AN OVERNIGHT FROM A XXXX PARTY I COULD ONLY ASSUME WAS LED ON BY WELLS FARGO WITH REGARDS TO FHA MI REDUCTION. I CALLED THE COMPANY WHO WAS JUST A MORTGAGE BROKER HOUSE TRYING TO GET ME TO DO AN FHA STREAMLINE REFINANCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I cosigned for some of my daughter 's loans. She is having financial difficulties and asked all her loan servicers for a forbearance all of them except Wells Fargo granted the forbearance. Wells Fargo did not acknowledge the request. I myself requested the forbearance, but again we never got a decision, they just kept hounding me. I do n't even have a job right now, and they have absolutly destroyed my once excellent credit. On 2 occasions they just took the money straight out of her wells Fargo checking account. Bad choice to choose wells Fargo for her student 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