vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
The county I live in sent a tax bill for XX/XX/2016 that was about {$1600.00} more than what I actually owed. I contacted them asking why my payment had gone up {$300.00} a month and literally had to spend hours asking them to explain why before I came to the conclusion that my taxes must have been messed up. I contacted the tax assessor office the same day and they contacted me shortly after saying they sent a refund back. I emailed Amerihome telling them they were sent a refund and it has taken them a month to process that. I STILL do n't have an updated statement ans was told they would send one shortly, but then was also told in that email that my payment still is going up by {$100.00} a month. I have had to email AGAIN to try to find out why my payments are still being increased even though I straightened out the tax issue and I am waiting on a response. I have never had to spend such a ridiculous amount of time trying to do what essentially should be their job. I do n't understand why my mortgage is being increased after resolving the original reason for the increase, I ca n't get any reasonable answers when I call them - the people I 've talked to when I call give the impression that they have no knowledge of the mortgage process and i am beyond frustrated. I need an answer that makes sense and I need my mortgage put back to the amount I should owe with no increase! I just received another statement in the mail today that shows I still owe way more than I actually do from the incorrect tax amount.

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 2016-05-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I submitted a dispute against Well Fargo Auto Finance via XXXX XXXX for my credit report stating that I have an open car loan. After the investigation with XXXX XXXX, that account was marked closed. On XXXX XXXX, XXXX, Wells Fargo Auto Finance reported the status as open and they updated the account from XX/XX/XXXX to date as a charge off. I am currently in a Chapter XXXX, where Wells Fargo Auto Finance is included and to my understanding, they are not supposed to be reporting on my credit report at all as they are under my bankruptcy, and they have done so.

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 2016-12-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Late payment. 
Thank you for taking the time out of your day to read this letter. I just checked my credit report, and discovered that a derogatory ( 30 day ) late payment was reported on XXXX 2016 for my Wells Fargo credit card account *******************. 
During this time, my mother fell XXXX, and I was the only XXXX left to care for her. I had to leave my job, and my funds went toward her healthcare expenses. It was a very rough and difficult period. Due to the circumstances, I was unfortunately unable to make the payment toward my Wells Fargo credit card. 
I realise I made a mistake in falling behind, but up until that point, my payment history with Wells Fargo has been spotless. When I was able to gain income once again, I quickly paid the debt in full, making it my priority. Im not proud of this negative mark on my credit report, its the only XXXX I have, and as a long standing Wells Fargo client I would be extremely grateful if you could honour my request to remove this derogatory mark from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. 
If the late payment can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 
Thank You, 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 monetary relief
Consumer complaint received 2016-10-24 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:
The following is a letter sent to Wells Fargo Bank NA. It involve an erroneous report to the IRS by the bank. 

XX/XX/XXXX WELLS FARGO BANK N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I am in receipt of a Notice of Deficiency Increase in Tax ... from the Internal Revenue Service. The increase in tax is based on a XXXX filing by Wells Fargo on XX/XX/XXXX claiming I received the benefit of a debt cancellation in the amount of {$8100.00}. 

I have NEVER had a debt owed to Wells Fargo Bank. I have not, to my memory, ever had an account with Wells Fargo Bank. 

The account information you provided to IRS is : XXXX SSN XXXX I am requesting that you rescind the aforementioned XXXX to IRS immediately to avoid any further harassment for a debt I never made. 


Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tel : XXXX XXXX XXXX XXXXXXXXXXXX Cc Internal Revenue Service Citizen 's Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I want to report Wells Fargo Mortgage/ASC for foreclosure fraud, modification abuse and dual tracking violations. I was just informed on XXXX, by the automated system that I had a XXXX XXXX, 2016 sale date. I NEVER received a NOD stating that I had 90 days to cure the default which is required by the state of California. An NOD was never recorded in XXXX public records. Theses are all foreclosure violations and illegal foreclosure practices. I called Wells Fargo last week regarding my loan and there was no sale date on my property. I called Monday XXXX and there was a XXXX XXXX, 2016 sale date. I spoke to several real estate and legal law professionals and they informed me that Wells Fargo had not properly followed the California bill of rights. Wells Fargo had not followed the California foreclosure laws. On XXXX/XXXX/2016 I received a mortgage statement that clearly read this " As of the date of this statement, Wells Fargo has not made the first notice or filing required by applicable law for the forclosure process ''. But now they are telling me as early as XXXX XXXX 2016 they foreclosing on my property. That is totally illegal by Wells Fargo mortgage and I want to file a massive law suit against Wells Fargo for a slew of violations, unfair business practices and abuse. I have been transparent, communicative and forth right with Wells Fargo. My wife and I have the means to pay and we also suffered a compelling hardship to justify why this loan got behind in the first place. I would like CFPB to please intervene and stop the illegal foreclosure process and sale by Wells Fargo on XXXX XXXX 2016. I want assistance to cure my delinquent mortgage by a loan modification or repayment plan. I will speak to my advisors tomorrow. This is a time sensitive situation, thanks for your immediate attention to this serious family matter.

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 2016-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I performed a mobile deposit of a {$500.00} money order into my Wells Fargo account. The money order was XXXX legit and not fraudulent, but for some reason Wells Fargo considered it fake and a few days later issued a return on the {$500.00} money order deposit. I thought that was unusual because, as I said before, I knew the money order was real and I had the receipt the prove it. In fact, after Wells Fargo denied the deposit of the {$500.00} money order, I was forced to deposit it into another checking account at another institution and I faced no issue whatsoever. 

After a few days a bill I tried to pay through my Wells Fargo account was denied. I called in and was told that there was a " hard hold '' on my account because of this {$500.00} money order that Wells Fargo thought was fraudulent. I explained to the rep on the phone that it was real, I had the documentation, and I would like a way to get my account unlocked because I had bills to pay. They were extremely unhelpful and told me the only thing I could do was wait and call back in 48 hours for a resolution. 

Well today marked about 72 hours since that call. I called back and was transferred to Loss Prevention and told the same thing - my check was fraudulent ( even though its not ), my account was on a hold, oh and now it might be closed and I would be barred from banking with Wells Fargo ever again. 

I have been a customer of Wells Fargo for about 20 years. I had an account opened when I was a pre-teen back when it was known as Wachovia. I have several mortgages through Wells Fargo, and I have been a loyal customer. I have NEVER done anything fraudulent with my account, and I am XXXX certain this money order is not fraudulent. To be told that my account is going to be closed over an incorrect assumption on Wells Fargo 's part is infuriating, and terrible service to be quite honest. I am being treated like a criminal and at risk of having this account ( which I a co-signed on with another person ) closed down. This is the account I use to pay my mortgage from! Why on earth would I deposit a fraudulent check? 

I have received no help. For the most part I just want to get in touch with whoever is actually handling this case of mine so I can send them directly the receipt I have to prove this money order is real. I do n't want to sit back and wait and just all of a sudden find out my account is closed, all the while not having access to more than {$5000.00} of MY money. 

I want this resolved now.

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 2016-10-11 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I went to Wells Fargo here in XXXX, Idaho and discovered that {$300.00} was missing. I did n't get a good reason.

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 2015-08-22 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
this account is fraudulent and continues to report on my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 maybe federal credit union withdrawal or reverse {$200.00} out of my account which day were not entitled to do the claim that they have reversed it to {$200.00} from my account because they have gave given me credit for dispute I have made which day did not and never automatic give me credit I have several dispute pending which the did not give credit for while speaking with the representative they indicated that it was their error and they should not have taken the money out of our account maybe federal constantly reverses they constantly steal and over charge please investigate all products and services from maybe Federal credit Union to ensure this business banking institution is running according to United States federal regulations in any misconduct mismanagement they should be charge according to United States federal law

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
VEHICLE LOAN established in XXXX XXXX with ( Wells Fargo Dealer Services ) XXXX, XXXX XXXX, CA XXXX ( an affiliate and/or subsidiary of Wells Fargo Financial System. ) The loan amount ( financed ) {$9800.00} -- XXXX Vehicle. Wells Fargo Dealer Services installment contract with consumer ( XXXX XXXX XXXX ) as of XXXX XXXX, XXXX. 
-- - The loan balance as of XXXX XXXX, XXXX ; per customer services records reflects a loan balance of $ XXXX. A statement dated XXXX XXXX, XXXX -- reflects a loan balance of {$9900.00}. Consumer only verifies at most {$300.00} has been applied to the loan in payments as of this date. 
Wells Fargo Dealer Services is n't transparent with the loan credits, debits, additional charges, assessment fees, late charges and simple interest compounded on a daily basis. 
Numerous times ; consumer has requested a transparent / clear record of hidden fees, late charges and assessments added to this loan. Wells Fargo Dealer Services ; continues to compound ( daily ) accrued simple interest and does n't lower the balance. 
Consumer has remitted to Wells Fargo Dealer Services : @ {$2200.00} in monthly payments, {$400.00} in assessed fees, $ XXXX+ late fees, XX/XX/XXXX ; consumer remitted to Wells Fargo Dealer Services loan payments + fees in the amount of {$910.00} ( single month ). 
Consumer does n't agree with Wells Fargo Dealer Services accounting and/or loan balance figures ; Wells Fargo Dealer Services ; has n't provided a ( detailed history of transactions ) to this date. 
In addition, Wells Fargo Dealer Services, compounds late fees with every transaction ; if missed payment, returned item late and additional fees, re-set to loan date fees, deferment fees, without notification and/or advisement. 
Consumer contends Wells Fargo Dealer Services is being deceptive to this consumer.

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 2015-08-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX as of XX/XX/XXXX, i live at XXXX XXXX XXXX XXXX, XXXX, XXXX, I 've lived at my address for 21 years Its my primary residence, XX/XX/XXXX, I was in XXXX, trying to get equity line for {$60000.00}. I put my application in Wachovia Bank Mortgage and after a month they call me they tell me the loan is approved come get that {$60000.00}. When I go there they tell me to sign documents for that {$60000.00} they mislead me, Its fraud which I think that bank do to me, at the closing they told me there going to send me, {$60000.00} at my address, After I finished sign all those papers, I go home and discuss that with my son. My son tell me to cancel the loan, the next day after, I go to the place where I signed application for that loan to cancel that loan. They give me the phone # to call that bank, to cancel the loan so when I called them they say they will get back to me, as well as closing the loan they suppose to give me the form that should give me the ability to cancel the loan, they do'nt give it to me, I went back to Wachovia bank and it was coverted to WellsFargo Bank , also they told me that they pay XXXX XXXX XXXX , the loan # they say I had with XXXX XXXX XXXX , they made up by themself, I never had that loan # with XXXX XXXX XXXX also tell me I never have that loan # which the loan # that Wachovia Mortgage say they pay on my behalf, that loan # XXXX XXXX XXXX XXXX XXXX # with them, they say XXXX XXXX XXXX XXXX #. I believe that Wachovia Mortgage and WellsFargo want to foreclose on my house for the loan they charged me for they never give me any money for that loan also they never pay XXXX XXXX XXXX balance in behalf of me for XXXX. I spoke to XXXX XXXX XXXX about that they say they are not aware of that loan also the bank, WellsFargo recording title on the name XXXX XXXX XXXX in order to get money from me. I think thats fraud. I talk to XXXX XXXX XXXX about the payment WellsFargo claim they pay to XXXX XXXX XXXX in behalf of me. I ask WellsFargo for proof they paid, XXXX XXXX XXXX in behalf of me by sending me a photocopy of the canceled check they pay to XXXX XXXX XXXX. XXXX XXXX XXXX tell me they never received the money from WellsFargo only one way to prove by send me the canceled check. They send me all those documents except the canceled check. I ask them to send to me that they paid XXXX XXXX XXXX in behalf of me, I think thats my right for WellsFargo to send me the canceled check they claim they pay to XXXX XXXX XXXX. If they do not send me that canceled check, the resolution is that they have to pay me XXXX for damages they cost my life, also i can be contacted at my phone # XXXX, Thankyou.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This company is in direct violation of 15 U.S. Code 1681s-2 - ( Responsibilities of furnishers of information to consumer reporting agencies ). I was never notified within the allotted 30-days prescribed by the FCRA, in writing, of any negative information ( late payment ) being reported to the XXXX credit bureaus ( XXXX, XXXX, or XXXX ) regarding my account.

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 2016-09-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In 2004 I created a deposit account with Wells Fargo at a Colorado XXXX location. The account representative offered a service for an additional overdraft protection credit card with the opening of my account. I partially competed the form and decided to forgo the overdraft protection credit card and asked the form to be destroyed. After I closed my deposit account with the bank I was notified that I had unsettled account balances on a credit card I never authorized. After much back and forth with various representatives the bank had agreed to drop the card and charges which were never authorized. The issue remained as a negative account on my credit bureau for many years. After hearing the unfortunate news that this has happened to others, I wanted to share my experience that predated the recent news article regarding the creation of false accounts and I highly recommend a more thorough investigation be performed as the issue has a longer history than what is currently known.

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 2015-07-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Windham Professionals, Inc.
State: CA

Complaint narrative:
Hello, My friends ' parents have repeatedly received calls from a caller who would not identify his employer, he said he was calling from the US dept. of Education about a loan in default ( all my loans are current as confirmed by XXXX an hour ago ) Caller : XXXX XXXXPhone : XXXX, XXXX have never resided at this address or provided my friends ' parents ' phone number as a contact number. They refuse to acknowledge that they called my friend 's parents number, a number I do n't even know. 

When I called to indicate they should delete all contact numbers aside from my cell phone they refused to do so unless I provided my full social security number. I do not in fact owe them a debt as my loan is current and serviced by XXXX ; when I spoke with XXXX they indicated that they never authorize 3rd party collection calls and not to ever provide my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Applied for a refinance of our mortgage with Wells Fargo Mortgage department with XXXX XXXX, Home Mortgage Consultant - XXXX ID XXXX. I submitted all the paperwork with the help of my husband and then XXXX said that we could use the previous appraisal. That was on XXXX XXXX, 2016. We waited 2 weeks then he said that it was in some committee and they were deciding IF it could be used. I told him let 's just get a new one. Another week went by and still no decision so we contacted his manager XXXX XXXX. XXXX did n't get back with me and when he did he said he " forgot '' to contact XXXX. We never heard why they could n't use the old appraisal. On XXXX XXXX, 2016 XXXX said he would order a new appraisal and to contact him if we did n't hear from anyone. We contacted him on XXXX XXXX, XXXX XXXX and XXXX XXXX and each time he said he would escalate it. Today I told him we want to speak with XXXX XXXX 's manager. XXXX refused to do so and wrote the following " No need to be rude. I am trying to get this handled just like XXXX is. I thought you were asking me for his information again. '' Yet he never gave us that information. XXXX XXXX was cc 'd on the e-mail and never reached out. We called his office and his cell. No return call. His cell 's voicemail was full. XXXX is no longer reaching out to us and our 60-day lock expires on XXXX XXXX. We still do n't anything about getting an appraisal. Our fear is that because interest rates have risen they are trying to stall so we 'll have to pay a higher rate. We think so because XXXX kept pushing us to get a 30-year loan with a higher interest rate rather than the 15-year loan. Interest rates have risen. We are 34 days into a simple refinance and we are still getting the run around. We escalated to their " mortgage escalation department '' and XXXX XXXX said he would look into it on XXXX XXXX, 2016. He called on XXXX/XXXX/16 and just said he would contact XXXX and XXXX, which obviously, was n't going to help. XXXX XXXX would n't give us XXXX XXXX manager 's name either and did n't return our phone call on XXXX/XXXX/16. We still hope to close and just would like a new mortgage consultant to take over OR for someone with a higher level within the company to supervise them and allow us to close on or before XXXX XXXX or give us an extension on our lock date.

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