vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Rec'ed Letter from Wellsfargo Bank N.A ., Disputing name of Employee " On Letter dated XXXX XXXX, 2015 ... Rec'ed XXXX XXXX, 2015, Name dose n't match Phone ID caller name..XXXX XXXX ... Wellsfargo Bank N.A . As So, I XXXX XXXX am the Payer on the FHA Loan for the XXXX XXXX XXXX XXXX XXXX Arizona, I have been victom of Wellsfargo 's banking practice 's, many times buy Wellsfargo Employee 's, its hiree 's as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I have disputed this issue with all credit bureaus but I think they did n't understand my dispute. My complaint is about XXXX Mortgage XXXX. Wells Fargo Home Mortgage lost a class action suit because of their fraudulent mortgage practices.. I was part of that suit. It started 2012. I left consumers an option to recover additional monetary damages and other remedies. My credit has been damaged because of them reporting it as " foreclosure ''. I ca n't get any credit, loans, etc. 
My mortgage account was under XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 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:
Wells Fargo has been running my credit report multiple times over the last year and now I am being denied credit because I have too many inquiries in my report. I never requested or consented for the bank to check my credit report except at the time of opening the account and today when credit was denied based on their own inquires.

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 — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
For several months I received an Email monthly stating that my Bill Pay account at Wells Fargo Bank.had been debited. I have no accounts of any kind with any Wells Fargo branch. Could this have been one of the fake accounts recently discoevred? Copy of one of the Email follows. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXXXXXXXXXX To : XXXXXXXXXXXX Sent : XX/XX/2016 XXXX Eastern Daylight Time Subj : Wells Fargo Bill Pay : Payment ( s ) Sent Wells Fargo wellsfargo.com Bill Pay payment was sent We have sent the following Bill Pay payment ( s ) : Payee Name ( Nickname ) Amount Sent Date Sent Delivery Date WELLS FARGO FINANCIAL NATIONAL B {$200.00} XXXX/XXXX/2016 XXXX/XXXX/2016 Please note : We have debited your Bill Pay payment account ( s ) for the above payment amount ( s ). It may take up to three business days for payments sent electronically to be posted to your payee account. It may take up to five business days for payments sent by check to be delivered to your payee. 
If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on to send a secure email. 
To unsubscribe from this notification, please sign on to Bill Pay. 
wellsfargo.com | Fraud Information Center Please do not reply to this automated email. Sign on to send a secure 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 with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Two years ago I was going through very rough times following my XXXX. I informed Navy federal during a conference with a financial councillor that I was pending a VA XXXX claim. Magically without my signature or verbal go ahead they removed my XXXX insurance from my Credit Card. 

Secondly they have repeatedly called my father whenever my account is past due even though my father informed them to remove him off his list and stop calling him. Somehow they are still continuing to call him. 

I have many complaints regarding this credit union but have decided only to submit these XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo continues to report false bankruptcy information to XXXX and XXXX XXXX. I received my disputed report back in the mail from XXXX around XX/XX/2016 and the information is still plainly there and simply states consumer still disputes after investigation. I have called Wells Fargo and they simply refuse to correct this erroneous information and I have been turned down for a mortgage loan from XXXX because of their negligent reporting.

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 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Integrated Recovery Services
State: TN

Complaint narrative:
I was not home and a company named Integrated Services. The persons name was XXXX. The voice mail message that was left was they were trying to contact me for a legal address for service and to call this number XXXX to provide a formal statement. Failure to respond could lead to verification of employment and liquid assets to avoid this call my office immediately. My wife heard this message and it troubled her. It is my understanding that according to the FDCPA a company ca n't leave a voicemail message like this without my consent as a third party can hear it. This message is also asking for me to make a formal statement which insinuates this is an attorney or law enforcement agent. If this is a legal debt then i would like this agency to pay it for violating the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently was in the process of refinancing my Wells Fargo mortgage with another lender. Although, Wells Fargo advised me to continue to make my payments even though the home mortgage would be paid in full, on XXXX XXXX a Wells Fargo collections agent told me that since my Loan was due to be paid in full she would notate my account so that my XXXX and XXXX payments would not be reported as a XXXX day late. The Collections agent also stated that if my credit was affected by a missed payment that she would have it removed. At the time I needed the money from the XXXX payment to make an unexpected repair on my home in order to close the mortgage refinance. Wells Fargo ended up putting a XXXX day late notice on my credit report which dropped my score XXXX points. They also refused to remove it from my credit report claiming that it is not their fault their collection agent told me she would ensure my credit would not be affected on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX. 
I have a mortgage with Wells Fargo, I fell behind in my Mortgage and I sent them in XXXX to catch up, they sent it back to me with XXXX added onto it and said that if I could not pay this they would file foreclosure. since this time they have had some contact with me. but little. my real estate agent and I decided to put it up for short sale, weeks ago. my house is scheduled for forclosure XX/XX/2015. We have called them and have sent them everything they had requested in sufficient time. They will not return phone calls not even emails. and everytime they call they seem to add XXXX more thing that they need. I feel this is bad business. if you need names I can supply them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX, 2016 Wells Fargo, Home preservation department ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Partial account number is XXXX I just wanted to let you know that I am in the process of having a square foot is your appraisal done on my home. The PA licensed appraiser will be coming out on this Saturday, XXXX XXXX, 2016. I have disputed your findings reported to the CFPB, and once I have received the square footage appraisal from the appraiser I will forwarded and forward it to you. 
At the end of the day my outlook for this situation for me is to get my house appraised properly so that when the transition of either foreclosure, short sale or deed in XXXX of foreclosure happens, I will have a true and correct value of my home, And not have to walk away owing you more than what the property is actually worth after it is sold.

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 2015-12-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: MS

Complaint narrative:
Afni collection agency is coming after me for a XXXX XXXX bill that is my sons. ( {$300.00} ). He is the account holder, the debt is in his name, his address and his phone number. All signatures on the service agreement are NOT mine. They have my name on the top of the agreement ( which I never saw ), that is all they have. Afni, XXXX XXXX XXXX IL XXXX, is attempting to collect a debt I knew noting about and threatened to send to the credit bureau. I am a XXXX XXXX XXXX woman living on social security. I tried explaining to them that it was my sons debt but to no avail. I do not know what to do. I can not attach any documentation but I have it physically. I do n't know what to do. I have called legal aid, they told me to go to XXXX Mississippi. When I went to the web site there was nothing for me to acknowledge, just a section to complain. Help please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Mortgage Loan Number XXXX In 2003, my wife XXXX and I received a mortgage for {>= $1,000,000} at 6.5 % interest from Wells Fargo Home Mortgage Company. Wells Fargo Home Mortgage Company promised they would refinance our mortgage when the mortgage interest decreased by 2 % or more. Since inception of our loan, we were denied numerous times by Wells Fargo Home Mortgage Company to refinance our mortgage. They have used the following illegal tactics to avoid refinancing : 1. Refusal to accept written applications for mortgage refinance. Instead, will only accept verbal applications ( Inquiry ). Thereby, covering their trails of mortgage refinance denials. 
2. Listing refinance denials as application withdrawals to disguise mortgage refinance denials. 
3. Company management purposely put into place a plan to deny refinancing of jumbo mortgage loans, with the intent to exhort the excess mortgage payments to increase company profits, and executive bonuses. 
4. Company management purposely put into place a plan to cancel all jumbo mortgage loans held by racial minorities considering these loans as unacceptable risks ( Received this information from a confidential source within the company ). 
5. Company management purposely put into place a plan to deny refinance of all jumbo mortgage considered " Under Water '' ( Appraised Value considered less than the Mortgage amount owed ) We paid our mortgage loan on time ( never late ) every month for over a decade. But, could not get Wells Fargo Home Mortgage Company to refinance our loan until they had exhorted over a half million dollars from us. Then, they only agreed because we continued to write to their Board Of Directors complaining of their unfair and illegal practices. 

We are requesting Wells Fargo Home Mortgage Company be required to refund all of our excess mortgage payments with interest equivalent to the return of the XXXX during the same period.

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 2016-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Hello, I have an auto loan with this dealer in Wells Fargo Dealer services beginning in XX/XX/XXXX for a XXXX Ford Escape. I pay XXXX dollars on the XXXX of each month. I have asked on numerous occasions for the due date to be changed and was advised that I can not change it. 
I get paid once per month, the last working day of the month which I explained to them when ever I called. I would like them to change the date to the XXXX which would make it easier for me to be on time with my payment. 
Last year I paid after XXXX in XX/XX/XXXX or XX/XX/XXXX and it was reported on my credit and then on XX/XX/XXXX it was reported as paid and account in order.?? This has hurt my credit and is still hurting my credit. My bank has been paying continuously for me on XX/XX/XXXX and my account stays in od until my pay check goes in. I had spoken to them. they now are tired of it, which they should be and has asked me to try and fix the due date. It been late this month again because of all these situations and again its been reported on my credit and a fee charged. 
THEY HAVE CHARGED ME A FEE OF XXXX DOLLARS EVERY MONTH SINCE I OPENED THE ACCOUNT IN XX/XX/XXXX. I have paid some and now there is approximately XXXX dollars more still. Im not sure what the XXXX $ is for. I asked and they gave me a story. 
Today XX/XX/XXXX I called after being alerted on my credit. I asked again to have the due date changed and was hung up on twice before I got XXXX a supervisor. He insisted that I can not change the due date until I bring the account current. 
That is the reason I want the date changed so that going forward I can have it up to date.I will not be able to pay until XX/XX/XXXX, which will be past XX/XX/XXXX current due date. I will be charged a fee regardless and it will again be reported on my credit. 
I have 3 more years to deal with this because I need the car to take me to work. I need help please. 
This is not right for someone who is always paying but is being hindered from catching up because of their fees and refusing to assist so they can collect but in the samr breath is making my credit pay and my future in borrowing from someone else. 
Thanks for any assistance.

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 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have XXXX % equity in my home and have been paying my mortgage on time every month for the last 3 years. Wells Fargo is not allowing me to petition for PMI removal without jumping through arbitrary hoops that they have created and are not consistent with XXXX XXXX requirements as an investor. I would like to ask that you hold Wells Fargo to a level of accountability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In XXXX, I had an insurance claim. The check was sent to Wells Fargo. On the check was Wells Fargo and my name XXXX XXXX. From the beginning, they made it hard. Wanting to pay the contractors in XXXX installments made it difficult to find someone to agree. Finally, after 9 months they agreed that it could be done in XXXX installments. At that point, I had a XXXX and told them that I could not do it. XXXX XXXX agreed to tear the whole roof off and replace slate with tile. that needed to go through the Historical Society. Someone fixed the roof and I asked if I could be paid because I fixed the ceiling. I was told to submit the request, later to be told no because I was in bankruptcy. XXXX another storm hits and the insurance company told me that I needed to prove that the first claim was fixed. Therefore, I could not remember and went through the phone book. Later my insurance agent told me the reason why I did not know who fixed the ceiling was because Wells Fargo had it fixed. That they had requested a list of contractors stating that I was incompetent. My insurance agent said XXXX you would have had to sign the check. I told her that I had never seen a check. Therefore, I called Wells Fargo at least XXXX times always to be told that someone was going to do research and get back with me. XXXX person did I missed his call and called him back without any response. I have told Wells Fargo repeatedly that it is raining in my home ; XXXX ceilings have come down in the bedrooms. The wood floors are warped. The water has moved to spill the ceiling in the living room, dining room, and kitchen. I have not resided there because it rains like a tsunami in the house. XXXX of XXXX this week I finally after going to the corporate office of the insurance company received an email with a copy of the check that was deposited by Wells Fargo with my signature forged. They received the check XXXX XXXX, XXXX signed my name XXXX XXXX, XXXX and sent a check drawn on Wells Fargo to the Bankruptcy Court in the Trustees name who in turn paid them as creditors. The sad thing is that all this time they worded our conversations as if the insurance check was sent to the Trustees. Wells Fargo did not send the insurance check to the Trustees. This week I sent the copy of the check to the trustees and was informed that they had never seen the check and provided me with a copy of the one send to them. Now my house still 2 years later is unlivable. Also the insurance did give me a check to fix the carriage house but Wells Fargo place an insurance deductible of XXXX. When I ask the insurance agent was the XXXX deductible still available when the placed the insurance on the house she said absolutely. Wells Fargo tried to convince me that it was the insurance companies doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a substantial amount of student debt, upwards of XXXX in Federal loans and another XXXX in Private student loans through wells fargo. I called Wells fargo and explained my situation and the fact I only make XXXX a year.. so essentialy the amount they are asking for me to pay monthly would cause a hardship for me and not allow me to save any money in case of an emergency or move up in life IE. Buy a house, have a family. After Wells Fargo had me submit all of my paperwork for the hardhsip they recently contacted me that I was not approved for the hardship request and that I would have to continue to make the payments they demand. Wells fargo is soo unwilling to help students like myself who feel trapped by the burden of having such large payments due on a month to month basis. I essentially feel enslaved by this. Please help me lower my student payments at least to the levels of federal loans where the payment is more manageable. Also the high interest rates on Wells fargo loans are upwards of 10 percent which only causes a never ending cycle of debt for student like myself. It makes me wish I could return my degree given that I am not currently working in the field I studied. Please help!!!

Company response to consumer: Closed with explanation