vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo XXXX XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They keep requesting an offer that meets their minimum net value, but they will not tell us what that is, and they are refusing to provide a copy of the XXXX. 

In addition, Wells Fargo has not done an interior value. No one has been to the property to actually look at it. Is this why they are refusing to provide a copy of the XXXX? 

We have seen these XXXX issues on ALL of our short sales on MINORITIES with Wells Fargo. They will NOT do an interior value, and they will NOT provide a copy of the XXXX. We would be happy to provide information on this to the CFPB to add to their case against Wells Fargo. 

We are tired of hearing from Wells Fargo that their legal department does not have to comply with federal and state law. Their legal department said its ok to open XXXX XXXX fake accounts ... and look where that got them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We closed our HELOC loan with paid in full disbursement to Wells Fargo on XXXX XXXX, 2014. However, we were charged with XXXX interest payments in XXXX 2014. Wells Fargo received the first interest payment @ {$230.00} on XXXX/XXXX/2014 ; and then, Wells Fargo received the XXXX interest payment @ {$270.00} on XXXX/XXXX/2014. We believe the dollar amount of {$500.00} for interest in XXXX month was an overcharge on our HELOC loan. Also, Wells Fargo charged us {$40.00} for the county recording of our reconveyance. However, the county fee for this service is {$14.00}. We believe we were overcharged for this fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo now says I am being transferred to another servicer. They are unable to help me and I have not got the money to pay all the amounts they added to my loan when I did n't get a modification because they kept not helping me figure it out. Attached is the letter I got yesterday and I do n't know what to do since Wells Fargo keeps telling CFPB they are working on it. They have never helped me and now I ca n't even think straight because I have not XXXX. I am wanting help and no body can help me. I ca n't take much more of this confusion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My wife and I have a home loan and a home equity loan with Wellsfargo Bank. For more than 2 years now, Wellsfargo has refused to allow us to combine the XXXX loans for a lower payment. We bought the XXXX bedroom townhouse in 2007 when we only had XXXX child. 3 years a go we had a XXXX child and needed to move to a bigger house and a better school district but we could not sell our undervalue house. Wellsfargo refused to work with us so we went ahead and bought a different house and got the mortgage with a different bank and the old house is now a rental property. We are renting the house at a reduced price and have to pay off the remaining balance out of pocket to Wellsfargo every month and yet Wellsfargo refused to work with us because the house is worth less than we owe. I know that they sold XXXX of the loans that we were able to refinanced to the government after we refinance it to 4 % and kept the loan that is at 9.75 % interest rate and absolutely refused to let us combine the XXXX loans into XXXX. Our savings are depleted and the tenants are planning to move out which means we will be stuck with paying XXXX mortgages again, we can not afford that. We have XXXX children aged XXXX, and XXXX and a car payment. I hope CFPB can help us with resources or advocate on our behalf to Wellsfargo so we can get out of this financial hole. We are trying to do the right thing but very soon we will not be able to even do the right thing, and that will means we will have to default on the loan. We would rather not default on the loan but that may be the only choice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There are XXXX closed accounts for Student Loans on my credit report from Wells Fargo that I did not open.This happened in 2010.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My current mortgagor, Wells Fargo, sent an offer to refinance my loan to a lower interest rate. I went through the entire process, submitting all forms and documents. The title is only in my name and I am the only person on the loan. I was informed that since I was divorced over 7 years ago and my decree stated I had to make a payment to my ex-husband that the title company wanted a notarized letter from my ex-husband, stating I paid him the {$5000.00}. I informed Wells Fargo that the decree also showed he had to pay {$2500.00} in my attorney 's fees along with child support and as of XX/XX/2016, he owed over {$21000.00} in child support arrears. I provided a screenshot from the XXXX to further support my contention that I could not owe him the money, but he would demand forgiveness of the arrearage to provide the letter they wanted. I also noted that 7 years is outside of the statute of limitations and since no judgment is recorded against me, I can not owe this money. Wells Fargo then claimed my ex-husband was on the title and would have to deny my loan. Since this time, I have filed a complaint with the Maryland Attorney General. Wells Fargo subsequently claimed there was an error in claiming my husband was on the title and offered me the " opportunity '' to apply to another loan program. They wasted months of my time, not to mention money since my payments should have been reduced as of XX/XX/2016 Merely telling me to reapply to see if I can qualify for another refinance is not sufficient given they blatantly denied my loan under false pretenses. By suppressing our ability to refinance, they ensure the cost to live in certain communities is higher and our real estate wealth is less which creates longer-term economic disparity ( payments are higher although our equity is less ). What, if anything, can you do to help or do you just gather this information to XXXX day, hopefully, file yet another nationwide complaint against Wells Fargo for unscrupulous and fraudulent practices?

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 2016-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My bank, Wells Fargo Bank , na, added overdraft protection to my checking account. Despite repeated requests to the bank to remove it and decline any overdraft debit purchases, they have continued to allow the transactions to process, and charge me {$35.00} per transaction. They have charged me over {$300.00} in the last 3 weeks since they added the overdraft and failure to remove it.

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 2017-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX/XXXX/17 we submitted a loan modification package to the lender for review - we were advised on XXXX/XXXX/17 that the file was denied review or approval due to the loan being 38 months passed due - was advised by the lender that due to FHA guidelines they were unable to review the file because of the delinquency and being 3 years passed due. I was transferred to the re-entry team, manager - XXXX, he advised that they are going off of the re-entry teams decision on the loan not being eligible for a review due to being more than 3 years passed due. Advised mgr no where in the FHA guidelines does it state that a loan would not be eligible for a loan mod if passed due for more than 3 years.

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 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
i was XXXX XX/XX/XXXX XXXX 10 months during this period someone used my atm card to withdraw funds from my account as well use my account fruadlanty. upon becoming aware of this activity i reported it to fraud department at navy federal XX/XX/XXXX. since this filing this dispute the security agents at navy federal ive spoken to have been rude, disrespectful, and have accused me of committing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX I refinanced my mortgage with XXXX XXXX who sold my mortgage to Wells Fargo Home Loans. My first payment was due XX/XX/2015. Prior to me refinancing my mortgage, I was on a bi-monthly plan where I was reducing my interest substancially. I decided to continue with the 13 month, bi-monthly mortgage payment. XX/XX/2015 ; I made two monthly payments and subquently XX/XX/XXXX onward I started bi-monthly mortgage payments. After a several months, I received notices from Wells Fargo that I was late in my mortgage payments and I late payments accurred to my account. I called and was to the late payments would be removed and my payments would be adjusted. Another monthly went by and they kept marking my payments as unapplied and charging me a late fee. I called again and was told that I could not do bi-monthly payments on my own. Also, if I wanted to do the bi-monthly payment program to reduce my mortgage balance ; I would have to join Wells Fargo bi-monthly program. So I did to eliminate the problem of late fees and having my payments sit in unapplied funds. After five months of being in the accelerate program ; Wells Fargo has been withdrawing from my checking account and are not applying my payments according to a 13 month accelerated program. They offer a program however they are not enforcing a program they offer and I not reducing my interest and balance according to how an accelerated program should work. I 've participated in a mortgage accelerated program for the last 14 years therefore ; I am aware how it works.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I was a co-signer with a son in law. Wells Fargo.on a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc.
State: MA

Complaint narrative:
They are calling my cell phone and place of work 4-5x a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
This company will charge high interest for a quick turnaround payday loan and then you have to make the full payment within a short period of time. However, when you make your payment, they will not credit your payment and not contact you when your payment goes through and then charge you high late fees and then when you talk to them, they claim they contacted you and collections will yell and scream at you and claim that you owe them money, even when you made your payment. Do not trust these guys!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My mother recently pass away, social security and her retirement account mad their monthly deposit into her checking account with wells fargo, when we notify both of her passing they told they would remove the funds from her checking which was just deposited, when we arrived at wells fargo to close her account we notice that wells fargo charge he {$35.00} twice as a charge because both Social sec and the retirement remove the funds from her account, how is this possible and why would they want to keep charging a person who passed away, this bank is doing nothing but taking advantage of people who pass away because they ca n't act. this is wrong why should they charge anyone {$35.00} for Social sec removing funds

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 2017-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Modification denial, principal reduction 4 what the home is worth, XXXX 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 explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have already filed 2 complaints against Wells Fargo and on both i had disputed both and neither dispute has been received so i have to dispute by submitting another complaint. first # is XXXX, the second # is XXXX. Now this is my 4th attempt to deputed Wells Fargo 's last reply to my complaint. I feel they have done some of the things that i had requested. I did receive my debt in writing and now am willing to talk to them but if Wells Fargo seriously feels that there are no errors with my statements or with the amount of debt it owe then i will hire a lawyer tomorrow. but if Wells Fargo might read my letter and answer the questions i had asked a year ago, and correct the over charges in outstanding fee balance of XXXX or even explain some of the things that i am a little confused about we are willing to sign a new loan modification, but the wording of the contract i would like change a little and my XXXX XXXX money i seriously do n't feel it 's $ XXXX is lower then we got a deal. I think Wells Fargo and My Husband and I can equally agree on something. my home is supposed to be auctioned tomorrow, i would also hope it will be postponed/ cancelled. Thank You

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 2016-10-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had just gotten out of credit counseling about over a year ago. I went into a Wells Fargo location inquiring about my checking account. The banker I worked with signed myself up for a line of credit of {$3000.00} & a credit card of {$5000.00}. My house was up for sale & I needed to get out in order for the new resident to get in. He told me to go ahead & accept the offer for the extra money & stated it could get paid off once my house sold & I would n't get charged for it until then. Which was falsified. They have charged me for borrowing {$3000.00} when I only used {$2000.00}. They have also not just once but twice withdrawn money from my checking account without my knowledge. The first time they withdrew the whole amount owed which at the time I only had my social security in my checking account. They put it back in because they found out it was done wrongly. This second time is still ongoing as they sent a letter stating they were taking {$790.00} dated XX/XX/XXXX & I did n't receive the letter until XX/XX/XXXX which they had already withdrawn my social security yet again. They are refusing to put it back. The banker also stated he was going to send my papers but has n't sent them & that was almost two years ago. I should n't have been pressured into this as I had just gotten out of counseling but they forced it on myself.

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 2017-03-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BYL Collection Services
State: DE

Complaint narrative:
BYL collection services did not provide adequate verification for debt question. No documents were provided showing a contract or signature

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 — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Idaho Housing And Finance Association
State: UT

Complaint narrative:
Idaho Housing Agency is reporting FORECLOSURE STARTED and paid foreclosure on credit but it was never a foreclosure. I need this fixed asap.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WI

Complaint narrative:
Bayview Loan Servicing purchased the servicing on my home equity loan. During an attempt to refinance my XXXX mortgage Bayview reviewed my loan file and sent mailed correspondence saying I owed them {$220.00} for XXXX related to the XXXX. I had my mortgage lender contact Bayview to ask what this fee was. The gentleman on the phone originally said it was for attorney fees. After my mortgage lender questioned him he said it was probably assessed because my homeowners insurance had lapsed. My mortgage lender asked when the homeowners insurance had lapsed so he could send proof that there was insurance in place and that " Force Placed '' insurance was not necessary. Bayview said they would send me written correspondence showing me proof. Instead they sent a letter ( almost idententical to the first XXXX ) saying that " After a review of my loan file I owe {$220.00} in XXXX XXXX XXXX. '' They also included another copy of the first letter. Bayview has never come up with a good explanation of what this fee is for or any proof that I owe it. My Account number with Bayview is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services is trying to collect false debt from me, has sold false debt to other companies who are now trying to collect from me as well and has reported one of the false debts to the credit bureau twice. I was checking my credit report when I noticed some very jarring negative claims in my report that were false. No other company especially the main collector a hospital has ever charged me with this unpaid debt much less over XXXX dollars worth of unpaid hospital bills. After calling the company charging me with the higher bill they said that the company that sold them this debt was Phoenix Financial Services. I made a report on that company as well for purchasing false debt and trying to collect it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
XXXX XXXX sold My loan to Bayview servicing company 3 months ago. I did call them and requested information regarding assuming the loan since it was under me and my Ex-husband name. They send me the documentation stating that if I decide to assume the loan the charges will be {$8000.00}. I did not fill out the application to send it in to this day. I have received XXXX statements from them that XXXX of them having {$8000.00} as passed due amount added to my mortgage. I have not even fill out the application yet and they are saying that I owe them for services that they did not even provide but I am late on the payment. This is a fraud/scam. The statements saying that I am late for in the this amount and not stating what it is for after being on the phone with them XXXX hours they said the charges will stay there as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BYL Collection Services
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract or no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation