vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I been banking with wells Fargo bank for over a year.And my Attorney deposit a large amount of money in my account.My bank is try hold my check up.And i call wells fargo and told them my money suppose to draw interest 2 days after my attorney put the check in my account on friday the XXXX of XXXX.And XXXX the Supervisor said it dont drawing interest until the hold come off on the XXXX of XXXX and XXXX not true.And my lawyer bank verified the check for wells Fargo.I dont want to bank with them tgey are trying to steal some of my money and tgey are stealing from me when they told me my money dont draw interest until the XXXX when the hold comes off which is not true.They said the put the hold because of overdraft and i dont use check at all, i had to change my account number 2 times and wells Fargo said no one will go in my account and they lie.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
I have been dealing with Security Finance for sometime and I try to keep my account up to date as possible. They are not very understanding and they are disrespectful. Some things that happen in life you have no control over. They will not accept partial payments and constantly harass you. My circumstances have changed and I ca n't afford the $ XXXX monthly but they do not care and continue intimidate 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 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Mortgage & Wells Fargo Home Equity had bought my XXXX & XXXX mortgages with the purchase of Wachovia in XXXX. The XXXX mortgage was paid ahead 10 months as a result of extra principal payments from XXXX. In going thru a separation with my spouse XXXX Wells Fargo allowed her individually to change the paid ahead " buffer " to a principal reduction which changed the due date from XXXX XXXX, XXXX to XXXX XXXX, XXXX ( backwards & loosing 9 months ). The correction debited the paid ahead balance and credited the interest in an amount over {$40000.00} which the lender failed to correct on the XXXX mortgage interest reporting for that year ( attached ). 7 months later the loan was on the verge of default after my numerous attempts to correct this payment adjustment but was declined numerous times. I attempted a modification with the lender however Wells Fargo entered into a unilateral mortgage agreement with my former spouse only in early XXXX to payoff XXXX existing mortgages affected by the payment misapplication ( attached ). The lender had instructions and even printed my name to be signed on the mortgage documents ( attached ) however accepted my former spouse 's signature only without a divorce decree or quitclaim deed or court order as required by statute & XXXX rules. Wells Fargo then continued to report the loan under my credit bureaus for years thereafter and has as of this day never cancelled the paid off deeds of trust. The lender actually has denied access to loan information numerous times stating I am not a borrower, however continue to claim that I am the borrower and are using my property without consent. Years later in XXXX the lender finally removed credit reporting but in late XXXX it was discovered the lender had failed to cancel the paid off deeds of trust from the XXXX refinance with my former spouse ( only ). The erroneous credit reporting disqualified me for obtaining a mortgage during that time and the unreleased deeds have prevented me from obtaining credit as they continue to show an obligation. The bank has refused to correct numerous times and has violated not only Fair Credit Reporting act but XXXX, Truth in Lending, RESPA, Fair lending, XXXX rules, XXXX XXXX XXXX CFPB rules but have used my credentials and property without permission or court order to allow an individual ( former spouse ) to obtain an artificially low interest rate ( 1 % ) on a government subsidized mortgage while at the same time increasing living expenses and preventing further credit from being obtained ( identity theft ). Wells Fargo has also denied access to closing document information regarding title insurance name and contact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
In XXXX 2014, I called my mortgage servicer, Wells Fargo, and told themthat I wanted to move to a bi-weekly payment schedule so that I couldpay down my mortgage more quickly. The customer service rep confirmed that by making the switch, I would cut about 6 years off my mortgage. I just realized -almost a year later - that she switched me over to a semi-monthly paymentschedule and that I have not made any additional progress whatsoeverin paying off my loan. I am scheduling additional payments now to makeup for lost time, but am complaining because I feel that XXXX Fargodeliberately chose to put us on the semi-monthly rather than bi-weeklypayment schedule - in spite of my clear instructions - to prevent us frompaying down the mortgage more quickly. I suspect that they are usingthis tactic on others, as well. It took me a year to notice that the paymentswere being drawn XXXX a month instead of every two weeks, so this is agreat way for them to " accidentally '' prevent customers from paying downtheir loans more quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XX/XX/2017, J.P. Morgan Chase Bank refinanced a loan owed to another lender. I make mortgage payments by ACH transfers from an account at XXXX. When I made the first required payment, I included additional funds in the ACH transfer, assuming that those additional funds would be used for additional principal payments. Instead, J.P. Morgan Chase treated the additional amount as additional monthly loan payments, i.e. Chase deducted amounts for future months ' would-be interest in addition to principal paydowns, as if this were a car lease rather than a home mortgage. 
I called their customer service agent, who confirmed that this was done, and that Chase always does this unless the borrower uses US Mail to mail-in a payment slip that expressly lists the additional amount be used to reduce principal. The agent asserted that Chase would backcredit my account correctly. 
I believe that Chase 's policy ( i.e. unless otherwise expressly ordered, the default treatment is to apply additional funds to future amortization payments, rather than principal reduction ), is a violation of Federal Reserve Regulation Z ( the Truth-In-Lending Law ), which may be adversely affecting thousands of borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo postures that they are in favor of keeping people in their homes. As per their website they participate in the federal government 's Home Affordable Modification Program where they " help keep people in their homes when facing a significant hardship '' where the borrower is " allowed to make lower payments. '' They offer " mortgage assistance events '' and state " we are here to help you. '' ASC recently assigned to me my own new " home preservation specialist '' there to offer " mortgage assistance ''. In XX/XX/XXXX as per their annual report, Wells Fargo " adjusted loan terms, lowered rates or reduced principal ( or a combination of the XXXX ) '' and " forgave XXXX in principal ( by far the industry leader. '' And in XX/XX/XXXX annual report Wells Fargo claims to have " forgiven more than XXXX in mortgage principal '' and hosted " more than XXXX home preservation events. " That is a stark contrast of what Wells Fargo recently did to my mortgage. In XXXX XXXX, Wells Fargo increased my total mortgage payment from {$4000.00} to {$5500.00} - an increase of {$1400.00}. This is a fixed rate loan of 7 % which is high to begin with. That is a whopping XXXX percent increase on a monthly payment. They increase escrow from XXXX to XXXX a whopping XXXX percent increase. Taxes and insurance did n't double in the last year. What they also did was increase the payoff portion of the loan by {$18000.00} a year and are sucking the equity out of the property and placing it into the " overdue payment '' portion of the loan. 
Wells Fargo is acting in bad faith here. They claim their goal is to keep people in their homes by participating in HAMP, offering home preservation events, assigning home preservation specialists and claiming to reduce XXXX in principal. The reality is they increased my monthly payment by XXXX percent, increased escrow by XXXX % and are adding {$18000.00} a year to my payoff amount each year even though taxes and insurance have not doubled. They are acting in bad faith here. They profess to perform actions to keep people in their homes but they increased payments and payoff amounts making it more difficult to make payments or refinance assuring that people will lose their homes. The CFPB recently found " The XXXX companies about which the CFPB received the most mortgage-related complaints between XXXX XXXX to XXXX XXXX were Wells Fargo, XXXX XXXX XXXX, XXXX, and XXXX XXXX. '' Wells Fargo 's antics are in bad faith. From jacking up payments to more than doubling escrow amounts to increasing payment by {$18000.00} is disgraceful and is counter to " keeping people in their homes. ''

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 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELLS FARGO SHOWED THEY PAYMENT AS BEING LATE WHEN INFACT IT WAS NOT LATE. ALL PAYMENTS WERE MADE ON TIME. THE DATES OF WHICH THEY ARE SHOW AS LATE PAYMENTS ON MY CREDIT REPORT ARE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/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 2016-12-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On or about XX/XX/XXXX/XX/XX/XXXX A call was placed to Wells Fargo stating a reduction and inevitably a loss of job occurred, the associate took my information ask for a couple of documents that was submitted immediately and approved ( unemployment ) a memoriam forbearance agreement. I had to pay a reduced amount for XXXX months and at the completion of the forbearance I would be able to resume my regular monthly payments and the difference would go the the end of the loan. At the end of receiving my memoriam payments they stopped accepting payments. 

Wells Fargo then asked for additional documents as is they were going to do another modification although the agreement was to put the difference at the end of the loan. I supplied the information requested, that started years of additional documents requested almost every XXXX days. Forcing the home to go into Foreclosure status. 

I believe they are in violation of truth in lending practices as well as ethical procedures. Approving me of a In Memoriam and converting it to a modification. 

Since then I have requested numerous modifications ( although I should have been in Memoriam per agreement ) Ive also request the HAMP and HAMP XXXX programs and have not been successful to date. I believe Wells Fargo and its investors intentionally tried to block my payments and force a foreclosure procedure on my property. This home is not upside down like the rest of the homes and they have not tried to help " the homeowner '' since the " homeowner thru taxpayers have bailed XXXX out '' of the financial crises.

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 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am reaching out in need of assistance with saving my home from foreclosure. I am currently in review for a loan modification and have provided all documents that Wells Fargo has requested. I have a foreclosure sale scheduled on XXXX/XXXX/16 and they are now telling me they do n't have enough time to review me for the modification. Any assistance you can provide in getting the sale postponed will be greatly appreciated.

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 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I deposited a credit card check, drawn on XXXX XXXX XXXX, on XXXX XXXX, 2016, for the amount of {$1000.00}. My bank, Wells Fargo, made {$1000.00} available to me. Then, the next day, the check was returned. Because Wells made the funds available to me, I spent approximately {$400.00}. Wellsfargo took the funds back, and now I have a negative balance. I 'm homeless. Wells Fargo is not able to help me. Some agent and or principle of the bank needs to credit my account so that I can buy food, clothing, and shelter. 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 2016-02-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I authorized a payment over the phone of {$250.00} with a rep from Wells Fargo for a private student loan. I was charged {$350.00}. I called and they said they would listen to the recording and credit back the difference. They did not credit this amount back. I recorded the original phone call as well as the phone call stating it should be credited. I went to school at University XXXX online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My property has been in the Short Sale Process for over 2 years. They refused to accepted an offer that was submitted to them, did not counteroffer and closed the file. I filed a complaint with your department and they agreed to re-open the file. They have just informed me that the new offer we sent which was much higher then the previous one is too low and have closed the file and did not counteroffer us. After serious negotiations with the foreclosure dept. we were able to get my file re-opened and 15 days later they are attempting to close it again. My property is scheduled to be auction off on XX/XX/2016.

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 2016-10-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
my wife received a " home projects '' credit card in the mail from Wells Fargo. 
she never asked for this, does not want it and does not want to do business with this disreputable company. we called XXXX and " XXXX '' told me he would reveal the name of the company who provided my wife 's name and address only if he spoke with her directly. when i handed the phone to her XXXX insisted on having the last XXXX digits of her Social Security number, which she refused to provide. we want Wells Fargo to erase this account and number and delete her name and address from their records, and to reveal their source for this information.

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 2015-07-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Filed Bankruptcy XXXX/XXXX/2015, Discharge was XXXX/XXXX/2015, I a a co-signer on my children 's student loan with Wells Fargo who was listed as a creditor. Now after the discharge Wells Fargo starts to send mail and starts contacting me by phone again. In speaking with my attorney it was said that all creditors listed in the Bankruptcy was discharged. Wells Fargo states in a letter dated XXXX/XXXX/2015, that when signing the Loan Request/Consumer Credit Agreement I certified that the loans would be used to pay for qualified higher education expenses and under the rules of the XXXX Bankruptcy Code, loans for qualified higher education expenses are not automatically discharged in bankruptcy. From my understanding it was told to me by my attorney that private loans can be discharge which Well Fargo Bank is. I am not able to pay this debt this is my reason for filing Chapter XXXX. I do not want Wells Fargo contacting me under any circumstances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I took out a reverse mortgage in XXXX and everything was going well until I was unable to pay my property taxes. Wells Fargo paid my XXXX property taxes in the amount of {$710.00} ( I rounded the amount to the nearest dollar ). I received a letter two months ago stating I have 180 days to pay back the money or they are going to foreclose and put me out of my home. I am XXXX and in a lot of debt because my bills are greater than my income. I ad XXXX. I am widowed since XXXX. Please tell me what can I do to keep my home I have lived in since XXXX. Just please help me keep my home! Thank you. 
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 2016-06-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This vehicle has been paid off. I have made several attempts to obtain my title for the vehicle over the last several months and have not received it. The status on my credit report does not reflect as agreed. Account was to reflect paid in full. This car was sold with a false odometer statement and I have put less than XXXX miles on the vehicle since purchased 5 years ago due to mechanical issues. I got behind on payments earlier this year due to me having to purchase a more reliable vehicle. Tried to make several attempts to lower my payments with wells fargo by possibly refinancing the vehicle. My credit score was great but they would not refi due to me informing them I do n't know the actual mileage on the vehicle because I found out when I tried to trade it in the XXXX showed the miles were rolled back. This loan has caused me to go through financial hardship and tarnished my credit. Wells Fargo was not help with coming up with a solution or making any type of agreement to make payments affordable. I offered several options and they declined them all. Once I received my tax refund this year I called to pay the car off in full. I was told by the rep she could save me some money by settling for half the balance which I paid. I now feel like I was scammed. I have not received my title, and my credit report reflects the incorrect status. I have a big piece of junk sitting in my driveway I can not get rid of because I lack the title.

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 2015-07-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION
State: ME

Complaint narrative:
Refused to change address and mail statements to correct issue. Thier only resolution was for me to go inside a branch and verify my identity in person. After explaining due to a handicap that would not be possible, they insisted the only way to verify my identity was to go inside and prove it. Instead I faxed them my birth certificate, ID card, Social Security card, and billing statement. They continued to refuse to update my address, and blocked all online access permitting me to see balances. and blocked online banking so I can not make payments. They would not give me the account balance when I called in, because I was not " verified ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am disputing a transaction ( please see below details ) charge to my checking account. I do n't have a product or service with the company charging my bank account, however, Wells Fargo is closing my dispute, stating I need to deal directly with the merchant. 

XXXX XXXX/XXXX/16 RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX CARD XXXX Open Canceled service or merchandise XXXX/XXXX/16 Cancel

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