vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a problem with Wells Fargo Bank. I am a resident of the state of Minnesota. My mother appointed me as her Power of Attorney under a Statutory Short form Power of Attorney XX/XX/XXXX.I had used the Power of Attorney several time at the local Wells Fargo bank until XX/XX/XXXX when my Mother died. XX/XX/XXXX, I added a Payable on Death designation to my Mother 's checking account at Wells Fargo bank in XXXX, XXXX. I met with a banker and filled out the payable on death designation adding myself and my sister to the account and signing as Power of Attorney. It was reviewed by the banker and I was told it was " good to go ''. From that date on, the monthly statement that were sent to my Mother/ and now to her estate, listed the P.O.D. designation on the statement. 
After my Mother 's death, when my sister and I attempted to access the funds as they were payable on death to us, the representative at Wells Fargo told us that the P.O.D. was not valid because my Mother did not initial the P.O.D. designation. In trying to argue this with the local bank we were told that the local bank could not do anything and there was no one at the local bank who we could talk to about this. We were told that this was the advice of their legal department. When we asked to talk to the legal department, we were told that we could not talk to any XXXX directly and that Wells Fargo could not disclose the name of the attorney nor the telephone number of the office where they worked. Instead we were told our only remedy was to fax a letter to XXXX XXXX to a " mythical legal department '' and that someone, some day will get back to us. When we asked how long it would take before we heard from someone they could not give us any time frame. 
In the end we have concluded that it will be faster to probate my Mother 's estate to access this money so that we can pay for her funeral and other expenses resulting from her death.

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 2015-08-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I made a payment to Wells Fargo Home Mortgage for {$3000.00} to cover XXXX payments and XXXX late fees. Wells Fargo Home Mortgage has not given me the credit for paying the late fees. I have contacted Wells Fargo Home Mortgage XXXX and each time I am told they will credit the XXXX late fees as paid but it never happens. I would also like to have a typed separate break down of how much was credited to the principle for this loan for XXXX XXXX and XXXX. I am not requesting a payment history from Wells Fargo Home Mortgage because it is a lot of job control information for employees of Wells Fargo and is hard to determine the exact amount.I am requesting for Wells Fargo Home Mortgage to review my payment history and just only give me a direct typed response of how much principle I paid on this loan in the year of XXXX, XXXX and XXXX and the interest rate. Please also for each of these years list each years typed total principle separate for my review. Please also send me a copy of all escrow disclosures for this loan. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been having a very difficult time with Wells Fargo. I have recently been declined for a modification for " having to many modifications '' This incorrect and almost fraudulent excuse by Wells Fargo. The problem and confusion I am having with Wells Fargo started in XX/XX/2014 At that time Wells Fargo offered me a modification with a ballon payment. Before this Wells Fargo told me to contact Keep Your Home California which I did, and was working on getting approved for that program. I got approved by XXXX and told Wells Fargo the modification with the ballon payment was not a good deal and declined it. Because of the XXXX program I was now current and making payments. All was good. 

Unfortunately months later, because of the economy, I had a loss of income. I became late again on my mortgage. I struggled though this and am now over my hardship and working full time. I have a very strong and stable job and can afford my mortgage. 

I have applied twice for a modification and have been declined by Wells Fargo. Declined for " having to many modifications ''. So the modification I declined in XX/XX/2014 in now being forced on me and used against me so Wells Fargo can foreclose on me. The one chance I have save my house in now gone because Wells Fargo has committed fraud and is completely dysfunctional. Wells Fargo is saying they gave me a modification which they did not. I did not sign any documents for an approved modification. I did not make any payments on the modification. I did n't have to because I was approve for XXXX and became current. Wells Fargo has completely failed, I can not get them to address this mistake or have any interest in helping me resolve this.

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 2016-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I went through a loan modification with Wells Fargo, they stated to me that for me to get this loan modification I need to not submit mortgage payments, and I told them that I want to continue to submit mortgage payments because I did not want the missed payments to affect my credit score. They assured me that it would have no affect to my credit score and that because I was being qualified to receive a loan modification I was safe and nothing will be reported to the Credit Bureaus. Now I have 5 delinquent payments on behalf of Wells Fargo showing up on my credit score and I will like them to be removed.

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 2016-07-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I disputed negative accounts and inquiries through all XXXX credit bureaus and the information still remains on my credit report. I even submitted my police report and affidavit showing that I am a victim of identity theft and the negative information was still not removed.

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 2015-10-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX I purchased furniture in XXXX Carolina on a Wells Fargo NO interest for 12 Months account. It took me three months to get the account settled so they would take my payments, as for some reason XXXX, XXXX, had not submitted my information, and Wells Fargo had no record of my account, and kept returning my payment funds. After much back and forth with the bank and store, I got it fixed, and I have been paying my account as promised on time as I was told that interest would be accrued after a 1 year time frame, so MAKE SURE, I have the account paid off by then. I have done so, and noticed a jump in the balance this month, so I logged in and saw a {$460.00} and {$27.00} increase on my bill. It is impossible to get Wells Fargo on the phone and I work 12-14 hours a day. I tried email, and their systems are down on the weekend to contact them to get answers, I want to know why this charge is here and why I was n't notified. I want other consumers to know about deceptive banks and banking practices so as to avoid the XX/XX/XXXX melt down this country had resulting from greedy bankers. I 'd like to know how to proceed to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
on my auto loan Wellsfargo Dealer services never informed me that it was An Autoloan /Simple Interest Loan that I pay {$300.00} per month and all I am Paying is on the Interest only My interest is 14.75 % apr and I have paid over {$2000.00} in interest I find this to be a problem and then they are saying that I am 60 to 90 days late which that is not true but can Explain better talking to someone I will never Recommend Wellsfargo Dealer Service to noone

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I took an interest deferred loan with Wells Fargo since my air conditioner died and I had to get a new XXXX, but did n't have enough money to pay for the installation. The company that installed it offered a home improvement credit card with Wells Fargo that was interest deferred for one year. If you do n't pay off the loan in the one year, all of the interest for the full amount of the loan is levied on the account, in my case, a sum of {$1700.00}. This was n't made clear to me before taking the loan. I understood that it was interest deferred for one year, but I did n't realize I 'd be penalized for the full amount of the loan, and not just the balance at the end of the interest deferred period. I have not been late with any payments and this adds to the debt remaining by 25 %. I feel it is deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
The Navy Federal Credit Union removed funds from my children 's savings accounts to pay a late credit card bill. This happened once before, several years ago. At that time I contacted NFCU and they told me that the accounts were joint accounts and to prevent this from happening again I needed to convert them to custodial accounts. They sent me the paperwork, I filled it out, sent it in and thought the problem was resolved. However, they did it again. We were late with our XXXX bill and they took the payment from my children 's accounts. I thought this was illegal. I feel taking my children 's money without their permission to settle my debt is a form of theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have an account at XXXX and setup online bill pay to send a draft check to Wells Fargo to pay for my mortgage account monthly in the amount of {$900.00}. The first payment was delivered on XX/XX/XXXX to WF and processed by WF on XX/XX/XXXX, and they reversed the payment on XX/XX/XXXX. They indicated the the 3rd party bill pay issued a stop payment and they returned the funds electronically. 

I spoke with my XXXX as well at the 3rd party bill pay and they indicated that no such order was issued, or could be issued for such payment. 

After multiple calls and escalation to WF, WF indicated that they will send the record that they fulfilled the stop payment order and return of funds but that record has never been received. 

I had to make an extra mortgage payment to ensure that my account stays current, I may have also incurred additional fees from a late payment and extra interest because the " additional '' payment was received late. As it stands, WF says they sent the money back, and my XXXX account does not indicate any returns funds. I have been back and forth with both companies and I consider my money lost and stolen.

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 monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I took out an installment loan with CashNet USAfor XXXX. This was done over the internet. Payments would be XXXX a month x XXXX payments @ 189 percent. They never sent me a visible contract only partial. The women I spoke to there said the loan could be paid off sooner. The contract was not forthright nor visible. 
One month later XXXX was due on XXXX/XXXX/2017, electronically, which was paid. However, they later demanded payment every 2 weeks. The first payment went all to interest and XXXX to principle. Next payment before due contacted 5 times before due date, harassing me. 

Even though I had not defaulted they were always threatening me. I look them up on their website, and found CashnetUSA is not licensed for installment Loans in California, only payday loans. My agreement with them was an installment loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I discovered in early XXXX XXXX that my monthly escrow payment with Shellpoint had increased by ~ $ XXXX. After going online to check my account, it turns out Shellpoint had obtained in early XXXX XXXX, without prior notification or authorization from me, a new " lender-placed '' hazard insurance policy for my property which costs XXXX more than my pre-existing hazard insurance policy. To my knowledge, my pre-existing hazard insurance policy was still current on my mortgage with my prior servicer, even when it got transferred to Shellpoint in XXXX XXXX. In addition to emailing a copy of my pre-existing insurance policy to Shellpoint, I have spoken with XXXX different staff on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and they tell me that they HAVE STILL NOT UPLOADED the copy of my pre-existing insurance policy, AND, they HAVE NOT YET REFUNDED to my mortgage account the previous UNAUTHORIZED ESCROW AMOUNTS they have disbursed to pay for the unauthorized lender-placed insurance policy they obtained without notification or authorization from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am a senior citizen with excellent credit, and have a Wells Fargo ( WF ) mortgage on a home I do not reside on. My late son and his family resided there. The mortgage was under my name but they were supposed to pay it. They never did and I only found out about it after his death last spring when I received a letter from a law office about a foreclosure. They did not make a payment in 8 years, and I was never notified. WF has my personal residential address but failed to notify me. I worked with WF, my broker and lawyer to do a short sale ( SS ). The lender approved the SS, but at that time, the price the lender wanted it listed at was too high and we had no offers for months. Attempts were made to lower the price, with broker and my lawyer reaching out to WF on several occasions. WF either ignored emails or failed to respond timely. I have XXXX pages of email correspondence, many asking the lender to please respond. Broker finally emailed WF saying we are dropping the price to said price, if you do not agree let me know ASAP. No response. Broker dropped price, held an open house and received a great offer, cash buyer. In the meanwhile WF rescindeded the short sale approval saying we did not have a buyer yet. This was said even thought WF ignored the brokers opinion based on XXXX 's that price was too high. Up until last week they had me submit more paperwork, in order to approve the short sale, and I submitted it in advance of their deadline, but yesterday they said they do not approve an extension of the foreclosure date of XXXX/XXXX/17 in order to have time to approve short sale and go through with the closing scheduled for XXXX/XXXX/2017. I want WF to push back the foreclosure so that the sale can go through.

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 — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a mortgage modification with my company-Wells Fargo. I believe I am currently in a FORECLOSURE status on my home. I received paperwork advising me that I am approved for the Home Affordable Mortgage Program. The paperwork gives me an offer of " onging '' " trial payments '' for an undisclosed amount of time. Paperwork states that they can not tell me at " this time '' what my actual modified payments will be. How is this a modification? I appealed and stated that I am in total agreement with approval, but can not commit to so-called modification without knowing what my final payments will be. I do understand that I am not in a position to be calling the shots here, given that I am behind on my payments, but I fear that they will take the payments, and then slap me into another predatory, over-inflated interest rate, unaffordable mortgage program. They are giving me no dates as to when these " trial payments '' will end, etc. I understand that they want their money, but I do n't know anyone who would agree to this open-ended agreement.

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 2016-08-05 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: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
I held a power of attorney for a man residing in the XXXX. The principal died. The XXXX hounded me to pay the debt, and even though I wrote to them and told them that I was not liable for the debts of the deceased person, they referred the matter to a collection agency that did not even list the deceased person as the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In receipt of the latest correspondence from Wells Fargo Home Mortgage Return Mail Operations, dated XXXX XXXX, 2016. This is yet another attempt of calculated bullying designed by Wells Fargo Home Mortgage to begin the steps of credit ruin. The letter comes on the heels of my correspondence with XXXX XXXX, of the XXXX XXXX XXXX, NC Wells Fargo Branch. In which we sat down, discussed my concerns, made copies of my deposits and letters from Wells Fargo Home Mortgage. In an attempt to receive a definitive resolution, seeing that my point of contact XXXX XXXX ( XXXX ) XXXX, whom I contacted XXXX twice ), yesterday at XXXX and XXXX. In both instances I was unable to establish contact with XXXX XXXX. Additionally while at Wells Fargo XXXX XXXX XXXX, I made a deposit of {$1600.00}. All while XXXX XXXX phoned a Wells Fargo Home Mortgage representative directly while I sat listening. The letter sent to my home states that I requested mortgage assistance and that I must " Please Contact Us Right Away, Do n't Delay- Call Us Right Away! ". The tactics displayed by Wells Fargo Home Mortgage has now come to a point of unprecedented ridiculousness. I challenge Wells Fargo Home Mortgage to provide proof of myself requesting this assistance. Even through this back and forth of repeated letters and Wells Fargo Home Mortgage failing to request pertinent information, ie, receipts, deposits. The manage to attempt to flat out lie to gain the upper hand. Again PROVE that I requested this assistance, with either a phone call, email, written request, anything!!. This company is at the height of shame and sham, to falsify documents is AGAINST THE LAW!. This and other false documents will continue to be shared with CFPB and the CEO 's of Wells Fargo Home Mortgage, XXXX and all other agencies necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i do not have time to even do thi.si was assessed interest by wells fargo where i have many accounts. 
i am writing this so something other than the system will help me. between medical bills, moving and my customership which is excellent i should not have to beg for XXXX dollar. i know it was refunded I also know if someone took the time they would see how i pay and keep my account. 
i do not expect to be put thru this. i want my XXXX back of interest., i will never sign a cc agreement with minumum interest charge again. I did not pay maybe XXXX doillas and now this. i do not have time or XXXX intactedness to spend time on this. i am tired of scripts. i will not use my card til this is addressed. scripts are great but getting to know customers is even better esp a good XXXX like me

Company response to consumer: Closed with explanation