vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My issue is with a federally chartered bank, in fact, the first federally chartered bank in the U.S., Wells Fargo. I started a short sale with Wells on XX/XX/2015 -- XXXX days ago. The file has been passed through XXXX ( XXXX ) negotiators -- XXXX XXXX, XXXX XXXX, and now, XXXX XXXX. There have been numerous requests for information ( including request to change items Wells has previously asked us to do ) -- all information requests from Wells have been satisfied within XXXX hours. ( Incidentally, these information requests have been made, notwithstanding the fact that the XXXX negotiator, XXXX XXXX, indicated he had everything he needed to proceed ). What 's disturbing is that each time Wells moves the file to a new negotiator, there is no reason given, and the new negotiator can ask for a single document, or update of a document, and the clock starts ticking anew. It 's a chronological merry-go-round that seemingly never ends because Wells can start the process all over for any reason : " Could you resubmit Addendum One because the buyer 's signature is n't legible enough -- is it XXXX or XXXX? '' Assuming such a request is legitimate, does it warrant starting all over? It 's clearly used as time management mechanism. There has been no communication from Wells since XX/XX/2015 when the negotiator said she 'd be back in touch " shortly. '' We have emailed and called the negotiator 's manager ( XX/XX/2015 ) with NO RESPONSE. The matter has been escalated with the Wells Fargo Executive offices XXXX ( XX/XX/2015 & XX/XX/2015 ) with promises of a response within XXXX hours -- again, NO RESPONSE. I 'm at wits end. If there 's no response to their own management 's request for information, as a consumer, I 'm totally helpless. The mortgage is significantly past due and the next step is foreclosure. This has become an enormous hardship. Having this matter unresolved prohibits me from taking other actions that would benefit my overall health and well being. Like all federal agencies, I know that CFPB has limited resources and I really tried to resolve this with Wells internally. But at the point the EXECUTIVE offices at Wells states that someone will call within XXXX hours, and XXXX days later there 's still no response, I simply do n't know what else to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Refuse to refund my credit balance do not reply to my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
this complaint is about Wells Fargo Mortgage! Mywife was outof a job and our daughter just went away to college. We got behind on our payments, so I went through the process with Wells Fargo for a loan modification. During this time of the loan modification, I was told not to make any payments. After about three months I was denied the modification. I was told I could appeal the decision, which I did. Again, I was told not to make any payments during this appeal time. I was denied the appeal. This process through Wells Fargo put me behind on payments and now they have my mortgage in the ACTIVE forclosure status. I only did what they said and now I might lose my house. I believe the whole modification/appeal process is a scam! I even offered to make a payment and they said NO, it will be denied. But now they want to foreclose on my house. Please help!!

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 2015-11-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
wells fargo sent a new card to an address that is not mine and did not request refused to take false address off my account. refused to resolve problem or help me find the person that canceled my card and had a new card sent to them. told me they could not take false address of my account. no help offered status of account. do not know if crook is out running up charges on my account or not .the crook has total control they claim I can do nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I signed up for Wells Fargo Merchant Services to add credit card acceptance to my XXXX. I was not informed that there would be a significant monthly charge for the service ( {$30.00} ) and I was not informed that there would be a very large termination fee for the service ( {$500.00} ). These fees are extraordinary in my experience with credit card processing services. I have terminated the 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 explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX and I attended XXXX College in XXXX Ferry, NY. I took out loans from XXXX and Navient. My Federal Government Loans are with Navient. I believe that XXXX College made me take out to many Government Loans, Sub and Unsub. XXXX College made me take out loans for 3-4 semesters that coast me each semester around $ XXXX- {$16000.00}, when a semester was around {$8000.00}, {$8500.00}. I do n't understand why they charged me so much and also made me take out so many loans when I was also paying half cash. I am now in debt because of the the amount that I borrowed and the interest rate Navient gave me. My father is the co-signer and he has excellent credit and they still gave me a high interest rate. Navient wants per month {$400.00}, but it is expensive for me. I will have to pay more because the interest rate they gave me is to high and I know {$400.00} will only go towards the interest. I will have to send in more for it to go towards my loan. They told me they could lower my payments, but how does that help me? The amount I owe to Navient will take me 30 years to finish paying it off. I need help and I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment XX/XX/2015 for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Starting in XX/XX/XXXX I was a recipient of Citibank CitiAssist loans for my education at XXXX XXXX College in XXXX. In order for a Co-Signer to be released from my loans according to Citibank Policy, I needed to make on time payments for the first 48 months of my repayment plan. The first 48 months began when I was one year out of school. At that time I was just beginning my career and making an entry level salary. There was no way I could possibly make a {$600.00} per month payment as I had rent, bills and other federal student loans. Citibank was unwilling to work with me to lower these payments. This policy offers new graduates no chance of releasing their co-signer who could in turn assist in the refinancing of of these loans from a 3rd party. This practice keeps loan recipients in a hole of debt that is impossible to work out of independently. It is a poor and predatory policy. 

I submitted a request to release my cosigner which was denied several times. On XXXX/XXXX/XXXX I faxed a dispute and CC 'd The CFPB. I received a letter yesterday XXXX/XXXX/XXXX denying my request to release my co signer based on the 48 month policy stated above. This letter is attached. 

Also attached is my payment history. You will see that since XX/XX/XXXX I have been making full and on time payments ( with the rare and extreme exception of a 2 day delay ). You will also see I have made small additional payments towards my principal when possible. 

Base on my PROVEN ability to make my monthly payments, I want my cosigner released from all loans with citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had fraudulent activity on my checking account that lead to the need for XXXX overdrafts from my credit card. When I spoke to the bank and filed claims for the fraudulent charges I was told that I would receive credits for the charges. I received credit for one of the charges but not the other. The charges were for {$20.00} each. I have spoken with Wells Fargo multiple times and spent hours on the phone to get this resolved and have been transferred from one department to another and have ultimately been told that they ca n't give me the second credit. This has caused me much aggravation. I have been a customer of Wells Fargo for XXXX years and this is the kind of customer service I receive!

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 2017-01-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal and I agreed on an interest rate of 1.79 %. Once I put down a downpayment, Navy Federal changed this rate by doubling it to 3.59 % without notifying me. Put simply, Navy Federal lied to me about the interest rate to get me to sign up and then dramatically increased the rate. I called XXXX from Navy Federal who told me it was keyed incorrectly and that was " just how it was going to be. '' Navy Federal said they would remove my recorded phone calls where they stated the interest rate was 1.79 %. Navy Federal failed to do this review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The summary of documents I received from WFHM, included and attached are the payments WFHM chose to omit. For whatever reasons they chose to do this, has cost me a chance to refinance and due to the fact that WFHM does not report my mortgage. It has also affected my credit score for years, the re-affirmation paperwork was never sent to the XXXX XXXX XXXX XXXX. I have gone directly to XXXX and spoke with XXXX XXXX XXXX directly and his staff and WFHM, failed to send the required paperwork to the XXXX and Courts. Additionally, they are refusing to re-affirm the loan and refusing to take responsibility for the missed payment history and responsibility of fault. As seen in the correspondence attached. WFHM needs to be thoroughly investigated for the common practices they exercise in not reporting all mortgage payments of their customers. It seems the monies received from clients are used to set up other accounts not known to their clients. This is the precise reasons they have been bumped down to a XXXX rating. This has been I estimate about the 50th letter I have sent to the CFPB, only for WFHM to reply and stall in working on a solid solution. WFHM does a smoke screen in delaying the responses, so as to apply the payments late and set up accounts, unbeknownst to the 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 2015-08-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased a XXXX in 2006. I paid {$750.00} as down payment to the dealer. XXXX weeks later dealer called and said XXXX financing is unwilling to finance the vehicle. So I returned the vehicle to the dealer. XXXX weeks later dealer called and said they found a financier and paid {$7000.00} as down payment and purchased the vehicle. XXXX years later wells fargo dealer services bought the company and took the loan over. I was told by the original financier the {$750.00} I paid will be applied towards XXXX car loan payments. 

This has been XXXX years wells fargo claims I owe them {$750.00} annd unwilling to give my title to me. 

The XXXX division of Motorvehicles asked a copy of the title to register the car XXXX times and they have not responded to their request or my request. 

I need help in getting my title and do not make me pay a loan twice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
It took XXXX different phone operators at XXXX more than 20 minutes to complete my opt out request to limit the sharing of my information. It felt predatory and like they were just reading a script to get me to just opt out of emails from their company instead of limiting my sharing with affiliates and non-affiliates. The operator kept promising me that they do n't share my information with affiliates and non-affiliates when the privacy policy that I agreed to when signing up, clearly sates that they do. Their privacy policy can be found here XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX and I ( XXXX XXXX ) were approved by Wells Fargo for a Deed in Lieu of Foreclosure. I received a letter stating that on XX/XX/XXXX, the process would be completed and the account would be closed. Wells Fargo continues to report to XXXX every month that we are missing a mortgage payment. XXXX correctly reports that the account has been closed. I have contacted Wells Fargo about this matter, but my complaint is never addressed or fixed by the representative I talk to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a Wellsfargo representative set up automatic payment on my checking account for my Wellsfargo automobile loan. I was told that the automatic payment was going to start XXXX/XXXX/16. I went up to the Wellsfargo on XXXX on XXXX/XXXX/16 withdrew {$200.00} to pay my automobile loan and was told by the teller that I did not have to pay because the money was scheduled to come out automatically. I then get a phone call from Wellsfargo beginning of XXXX that my payment was past due. So on XXXX/XXXX/16 I went up to the bank and withdrew {$240.00} and paid my past due balance and at the time I was told by the teller they made an error and the automatic will definitely become effective and the money would be taken out on XXXX/XXXX/16. I then get another call from Wellsfargo in XXXX that my account is now TWO months past due. So I went up to the Wellsfaro on XXXX on XXXX/XXXX/16 again to express my frustration and I then paid a total of {$530.00} to bring my account up to balance. I spoke to a manager who expressed to me he would get to the bottom of it. Then on XXXX/XXXX/16 they came to repo my car and come to find out the bank teller applied my {$530.00} to the wrong account ( my personal Wellsfargo loan instead of my automobile loan ). So once they figured out the mistake they made they did not take my car. Then on XXXX/XXXX/16 {$200.00} was a automatic payment taken out and again posted to the wrong account. My Wellsfargo account for the month of XXXX, XXXX and I believe XXXX are listed as delinquent as per the credit union. So I have been trying to get Wellsfargo to contact the Credit Bureau because it was their fault my accounts became delinquent and I have been going back and fourth with them since XXXX and no one has yet to rectify this situation for me. I was finally able to reach someone higher up by the name of XXXX XXXX ( not sure of the spelling of his last name ) at dealer services in XXXX who initially seemed like he was going to help us but after calling his phone ( XXXX ) for a week straight and leaving a voicemail every day with no response I feel like I am being ignored again! All I want is the delinquency to be taken off my account so I can move forward and begin my home buying process. This is extremely unfair that I am being penalized for something that was Wellsfargo fault and the fact that no one is trying to help me is unacceptable! Someone at Wellsfargo needs to be held accountable for what they did to 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 explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We purchased our home in XXXX XXXX. Purchase price was $ XXXX. We were persuaded to use a XXXX interest only loan from our mortgage broker with Wachovia Bank ( now Wells Fargo ). The interest only loan is at a rate of 7.125 % ( Balance as of XXXX XXXX {$260000.00} ) and the home equity loan is at a rate of 9.34 % ( Balance as of XXXX XXXX {$61000.00} ). We have reached out to Wells Fargo several times in the last couple years to refinance and was told that since our home is underwater they could not help. In XXXX XXXX we had a baby girl and around the same time my husbands career permanently changed and caused a reduction of monthly gross income of $ XXXX per month. During that time we used up all assets including liquidating my IRA to cover monthly expenses. In XXXX XXXX we reached out to Wells Fargo seeking assistance to modify our home loans. 

At this point we 've asked them to combine both loans into XXXX new 30 year mortgage that we can afford and keep our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
wells fargo bank allowed directv to go into my account which was not authorized to take {$560.00} out of my account which they did not have this account number to. the bank can not tell me how they got this account information to take the money out. when they had permission it was stop in XX/XX/2016 they took this money in XX/XX/2016 without my permission if the bank let anyone go into your account without having your information something is wrong with the system.

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 2016-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I contacted Wells Fargo today and they informed me they have not received all documents for review for modification.I sent them overnight mail last XX/XX/2016 and they were received XXXX/XXXX/2016 XXXX /Yet they deny the items requested complete mind you for the underwriters.in the meantime their delay is allowing them to continue foreclosure proceding.They did this before they keep asking for documents they say will complete the process but then keep asking for more.if wells fargo keep asking for more documents outside what they original requested the IT IS TECHNICALLY IN REVIEWAND FORECLOSURE NEEDS TO CEASE.THEY ARE BEING SNEAKY .PLEASE INTERVENE BEFORE I LOSE MY HOME.

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