vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have had a mortgage with Wells Fargo for several years. Every month I pay more than the minimum amount. It always applied the additional payment to principal until this Spring. It then started applying the extra amount to later payments, collecting interest in advance and not applying the additional amount to principal. I have written letters, and now with each payment I tell them in writing to apply the extra payment to principal. They finally corrected their errors last month after several phone calls and letters. This month they did it again, even though I included a letter expressing telling them to apply the extra payment to principal. It is clear to me that several months ago it changed its software to misapply extra principal payments so as to collect more interest and so as to reduce principal more slowly than they should. I have had numerous conversations and written communications. They have even written me and said they have not done anything wrong. See the attached letter. It is obvious that this letter makes no sense. It admits being told how to apply the funds, and that they refused to apply the funds to principal. 
I am very familiar, of course, with the fact that Wells Fargo has been caught cheating with regard to opening accounts. This is just another unethical practice. Since it was a change this Spring, and since I now include a letter with each payment telling them exactly what to do and since they refuse to do it unless I spend a lot of time on the phone with them, I am confident that they are extracting small amounts from millions of people. I am also confident that this type of change in the software had to be approved at the very top. XXXX XXXX has to have approved this behavior. It is one type of intentional misconduct after another with this bank, and I have a large position in its stock.

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 2016-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a contract with Wells Fargo Bank for an automobile loan and have been making more than the required payment sine day XXXX XXXX 2013 ). My monthly payment is made automatically through my online banking account and has never been late. However, every once in a while I get a monthly statement for more than the amount on the contract, but it is not due for some XXXX to three months later while the current overpayment is still being made automatically every month through my bank. It appears that Wells Fargo is not taking the money from my monthly overpayment and applying it to the principal, but is applying the excess amount to future payments and holding those funds until that payment is due thusly, I am paying interest on the remaining balance of the loan and not the decreasing balance if they were to apply the excess payment to the principal loan balance. This seems highly unethical to hold my money and wait for a payment to be due rather than applying it to the principal balance every month and decreasing the monthly amount that I am paying interest on. There is no place on the monthly statement to fill in any amount of additional principal included in the payment. Thank you ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My ex filed a bankrupty procedure back in XXXX 2015. Unfortunately, I had not yet moved the mortage into my name alone. now his bankruptcy is keeping me from paying my mortage. I have tried repeatedly to reach out to Wells Fargo so I can continue to pay the mortage, which I had been paying on my own for over XXXX years until Wells Fargo stopped deducting the auto payments from the account. Now, now one will speak to me at Wells Fargo. The bankruptcy that my ex filed is ruining my credit as Wells Fargo is reporting the debt as outstanding on my credit report. I have called wells fargo and have given them the acct several times and have asked that they deduct the payments and nothing, the money is just sitting there.

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 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Continuous problems with bank while I have attempted to get my payments on track after they failed to contact me timely or correctly of an issue with my escrow. I have received no resolve of my XXXX due to their negligence. I have called multiple times only to be told that I owe more. I have called to resolve, spoken with agents who have told me I was good to go, then another issue will pop up. I was told that I was all clear, caught up and if I would go to their automatic withdrawals, I would n't have the issue again. I followed their course of action, had 1 payment automatically withdrawn. I was cancelled there after due to another claim that I was short on my payment. Nothing but XXXX form them. They are a fraud filled bank that need to be shut down

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 2016-02-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have an issue with my XXXX line of credit. I was paying through a joint account that I have with former spouse. We got into it and the Navy Federal account with over the limit. I was in constant contact with Navy Federal, I continued to make payment and the account was finally brought current. Then I called to check the status and was advised it was current but the account was frozen and they are not going to unfreeze it. I was NEVER notified. Had I known this I would have borrowed to bring it current sooner or something and when I call they are rude and unhelpful. Then the tell me that I was notified and I was n't I asked for a supvervisor/manager to listen to every single call and tell me when I was notified and to call me back. I have yet to hear anything aside from reapply. I do n't want to reapply my credit score has tanked because of this, so why would I reapply. Prior to XXXX I aside paid on time. I just want the current XXXX unfrozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX I was scheduled to close on a home and when the title company pulled a New Mexico public record I was informed of a judgement against me in the XXXX judicial court of NM from Wells Fargo for a credit card opened in XX/XX/XXXX. I Immediately called Wells Fargo to let them know this was not my debt and asked how can I get this resolved since I was supposed to be closing on a home and had already given notice on our current residence. Under direct pressure I asked if they would accept {$1600.00} so I could close on my home and I was given a settlement of {$2900.00} to have the judgement removed. This was far beyond my financial resources especially for a Fraudulant account. I immediately filed a police report. Since then I have spoken to numerous people and the attorney for wellsfargo and have had no help with this matter. We have now lost the house and have been put in a unbelievably dire situation

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: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I had a failure in one of my old HVAC units and I visited with the contractor who fixed it about getting a new system. When I did he told me they had a special 0 % financing for 36 months offer through Wells Fargo. I said that would be great let 's go ahead and do that. So the contact said well let 's see if you are approved for the 0 % financing. So we submitted information online to see if I would be approved fort he amount I needed to replace the units. I was not and that was the end of it. I told him to work on a way to get me approved for the whole amount or he would just have to wait till I saved my nickles to pay for the units outright. I thought everything was fine. A week later I received a credit card from Well 's Fargo for the amount I was approved for. I never knowingly agreed to open a credit card with Well 's Fargo and it is fraudulent for them to take my inquiry as authorization to open an account in my name. This practice needs to be outlawed and Well 's Fargo needs to be fined twice as much as they have made using this fraudulant and misleading new account sales technique.

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 2016-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo close my Account due to me filing a consumer complaint. They close my account without sending me a Cashier check to close my account with a XXXX balance.

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 2016-08-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I obtained an auto loan back in 2015. I set payments up to be made every two weeks. My payment is {$370.00}, I set payments of {$200.00} every two weeks to make " extra '' towards my account. I have been reported twice for late pays and have incurred a few late charges. I called to try to correct this and they said that they NEVER apply over payments to principle and they just roll it over to the next month. They have been really rude and unwilling to remove the " late pays '' from my credit. Was told that even if I am one day late they charge the late fees. I think this is completely unprofessional and this, to me, is extremely shady business. I thought I was doing the right thing and getting ahead, but their banking practice is unprofessional. Why would you not apply ANY extra money to principle? They are making it to where I can never get ahead on this loan and they are continuing to make money off of people who are trying to do the right thing. Any " extra '' money should have been applied to principle. Is n't there a " grace '' period? I am completely disgusted with this bank and their banking process. They are out for their profits only.

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 2015-10-26 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This has to do with a Chase/Freedom card I have linked to my Chase checking account, primarily for overdraft/cash advance purposes. On XXXX/XXXX/15 I incurred a cash advance of {$1300.00}. When I received the card statement in the mail, it indicated that I had a balance of {$1300.00} ( advance + interest ) due on XXXX/XXXX/15. I set up an autopayment of this amount via Chase 's online system for that amount to be paid on XXXX/XXXX/15, which was done. Then I received another statement indicating I still owed {$18.00} on the account even though I had paid off the balance indicated on the previous statement. I attempted to work through Chase 's customer service to get a credit for the {$18.00}, to no avail. I asked them this question, and could n't get an answer : " How do I ever know what my 'official ' balance is, if the balance on the statement is not correct? ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I applied for assistance in saving my home from foreclosure. I hired an attorney who submitted my full complete financial information package to my lender Wells Fargo Home Mortgage on XXXX XXXX, XXXX. Wells Fargo refused to review me for assistance and since that date has refused to accept my application. Now they have filed a Notice of Default and I am in the process of being foreclosed. They have put my account with their re-entry team who said that there is no change in my circumstance and they will not officially review my application. I am told by my attorney that RESPA Regulation X requires my lender to review my full and complete financial application as long as it is received more than 37 days prior to a sale date. It was full and complete and no foreclosure was started at that date. My attorney asked Wells Fargo Home Mortgage for a denial letter stemming from my application submitted on XXXX XXXX, XXXX and they said there is no denial letter because there was no review. Today my attorney called Wells Fargo Home Mortgage and asked them what was the date of the last review done on my mortgage for assistance and they replied XXXX XXXX, XXXX. This is completely unfair and I believe illegal for Wells Fargo Home Mortgage to evade reviewing me for assistance. I was denied XX/XX/XXXX due to missing paperwork. ( See attached letter from last review ) My attorney worked very hard in XXXX XXXX to clear up all of that missing paperwork and Wells Fargo still simply refuses to actually review my case and issue me a finding like they did on XXXX XXXX, XXXX. My attorney states Wells Fargo is doing this because I now have some equity in my home and they simply want to foreclose me without giving me the chance to save my home. Wells Fargo Home Mortgage thinks they are above the law by creating the re-entry team who 's sole job is to evade reviewing home owners for assistance in saving their home. The re-entry team does not issue the 5 day letter confirming they have the financial application, they do not review it in the 30 days required by RESPA Reg X and they do not issue a decision. They simply verbally tell you they wo n't review the file. My attorney finally got Wells Fargo Home Mortgage to issue a letter stating this on XXXX XXXX, XXXX ( Attached ). However, other than that letter I have never recieved any correspondence from Wells Fargo Home Mortgage regaring my application which was submitted on XXXX/XXXX/XXXX and confirmed received by Wells Fargo Home Mortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my attorney spoke with Wells Fargo Home Mortgage and they verbally told them that they are refusing to review the application and no letters or findings will be issued in writing.

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 2016-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
we have been trying to short sale our home due to my wife 's medical conditions for the last 2 years I have given them al the required info they have requested we have now been thru XXXX buyers on our home and They still keep asking me for the same documentation every time we give them things as they need it and still have to send more papers every week.here is what we sent them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I am writing in concerns about a student loan that was taken out in 2009. I attended XXXX. Before the sign up I was promised that my credits were transferable and they would assist me with job placement. Neither of the promises were honored. I was told they were an accredited college they were not that either. The loan taken out was supposed to pay for me to get my certification. It cost a {$100.00} out of my pocket to become certified. I feel as if I was told all this information just to sign up for the program. I have gone to the location several times, nothing was accomplished. XXXX XXXX were supposed to contact the graduates to verify if they had job placement. No one never called. Until this day I do not have a job within the field of my XXXX XXXX. I had to work odds and ends job just make ends meet. I thought me attending school again with guaranteed job placement would help. Instead, I am stuck with debt and empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am currently a customer at Wells Fargo. For the pass few months there have been an excessive amounts of over draft fee 's. This is a result of pending transactions not being processed in the order that they occurred. They are also pulling duplicate debits to charge a late fee. I have noticed that they well have a pending transaction, then remove it because of not have more then XXXX over draft charges in one day. Then the same charge will appear on my pending transactions the next day that they had removed the day before. I have overdraft protection but the limit is {$310.00}. Wells Fargo well reorder transactions to put my in over draft, and reprocess debits that will put me way past my overdraft limit. 

In the last statement ending XXXX XXXX,2016 I had a total of XXXX in deposits, and XXXX in debits. There can be seen to be an excessive amount of over draft fees during the month. I currently have over {$1100.00} in overdraft fees, and over {$450.00} in returned item fees for the year to date report. In the statement before that, ending on XXXX, there was a total of {$420.00} overdraft fee, and {$140.00} returned item fee. With the overdraft protection they have allowed to go way over the supposed limit.This month they have continued to re pull transactions from weeks before to put me further into overdraft, despite my direct deposits. 

On XXXX XXXX, 2016 I called customer service to see if pending transactions could be canceled. The customer service rep said no because the money was already taken out of the pending transactions. However, they are able to cancel other pending transactions and then pull them to try and process again the next day causing more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo keeps avoiding the issue. The most important aspect of deciding a Reverse Mortgage is understanding all that is involved in such an intricate complicated form of a home mortgage. They continue to produce everything other that the most crucial counseling documents such as, an approved Office of Elder Affairs Counselor, an opt in document, face to face counseling with an APPROVED Elder Affairs. The Counseling certificate that Wells Fargo has produced is not even valid in Massachusetts.

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 2016-07-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Bank has been taking out of my XXXX XXXX XXXX XXXX account {$57.00} on the XXXX ( XXXX ) Monday of each month. I do not know how long this has been going on, I discovered the deduction in XXXX of this year when my father reviewed my accounts and brought it to my attention. I DO NOT KNOW WHAT THIS DEDUCTION IS FOR OR WHO AUTHORIZED THE DEDUCTION. I have tried making contact with Wells Fargo Bank to find out about this deduction, they say they have no knowledge of the deduction, and refuse to cooperate in any way to find out what it is. I have not opened any Wells Fargo accounts or made purchases were Wells Fargo is involved to the best of my knowledge. I would like this deduction identified, if it is a legitimate deduction, XXXX that I am responsible for, I will assume it, however, will someone please tell me why Wells Fargo is taking this money out of my bank account each month and can not tell me why they are doing so. XXXX XXXX XXXX XXXX provided these numbers : ACH Item XXXX and Trace Number 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 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Mortgage company denying me the real estate tax relief granted to me in XXXX CO, VA as a senior homeowner meeting income qualifications. Mortgage company continues to collect taxes into escrow that have been exempted or deferred although officially they recognize the exemption. They deny the deferral as a lien ( which it is not ) and have no appeal process. My equity is about 80 percent and theirs about 20 percent on a XXXX dollar property, and they say the mortgage might not get paid their declining equity portion when the taxes are paid on the sale of the property. They bill on assessments, not on the County information and actual tax bills. County is returning payments and the escrow balance will be increasing for years, outpacing the mortgage. I have a PDF file to attach that gives more detail and references specific documents and texts. File name is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc.
State: MN

Complaint narrative:
I am receiving multiple phone calls daily. Similarly, friends of mine are getting between XXXX and XXXX calls some days asking for my contact information. I do not recall ever giving anyone this friend 's contact information, not even as a reference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief