vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am a senior citizen who has my accounts with Wells Fargo. XX/XX/XXXX I was attacked and had a severe head injury. I was told by Wells Fargo that CD 's were good and I opened multiple ones with them. With memory failure I believe I lost a XXXX CD in the shuffling of the Wells paper work. 
I do know that XX/XX/XXXX I received a plain envelope from Wells Fargo at my p.o. box. I almost fainted upon opening it as it said it closed " my CD due to the Patriot Act ''. Wells knew I had been a customer for years and I was born in the USA along with my parents, grandparents. Wells did this because the interest rate was 2.0 on my CD and the rate when they closed it was .25 or lower. They did this so they could save about {$240.00} in interest ... .. or more .... I wrote XXXX XXXX and he did nothing. 
This I can recall. I am still concerned that I could have lost {$15000.00} because of the shuffling of Wells paper work and at the time I did these CD I was receiving intense care for my injuries. 

Thank-you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrated Recovery Services
State: OH

Complaint narrative:
This company has called me numerous times for someone that I do n't have contact with. I 've asked them repeatly to erase my phone number from the files & they have yet to do so. I 've left messages saying that I was n't the debtor & ive called the company & was harrassed and hung up on. Please make them stop calling my phone during work hours!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We were approved for a modification from Wells Fargo in XXXX of XXXX. IRS started to garnish our wages again and then placed a tax lien on the house 4 months after receiving the modification approval from Wells Fargo. We became behind again on our bills. We contacted Wells Fargo to see if we could make arrangements to bring the account current. I inquired about the modification and the XXXX for Wells Fargo stated we did not have a modification on file and to submit an application for modification. We submitted the documentation for consideration. We went through the process and later they stated we could not receive a modification because we had to wait 2 years under the program guidelines since we received a modification. They later sent us the documents from the XXXX modification ( attached ) stating we need to sign them and mail them back. 

We reached out to an attorney 's office for assistance and they could not locate the modification/documentation filed with XXXX XXXX. The attorney 's office contacted them about the issue. Each time Wells Fargo stated something different. We submitted numerous modification request applications for them to consider and attended the mediation at XXXX XXXX court house. No luck. We filed Bankruptcy XXXX ( XX/XX/XXXX ) to stop them from foreclosing on our house on XX/XX/XXXX. We went through several different processes they claim we had to do in order to receive a modification again. We went through the process and provided the documentation. They also requested we sign the XX/XX/XXXX documents to file the old modification in order to consider our new request for medication/application. We did it numerous times and after the 2 year period to be considered again. They still claim nothing has change regarding our circumstance and they can not approve a modification for us. 

We reached out to them again in XXXX to consider a modification or to see if they had other options to keep the house ( add balance to loan, etc. ). They said we could complete some forms ( Mortgage Assistance Application, XXXX XXXX, etc. ) and submit them for consideration. We submitted the forms to Wells Fargo on XX/XX/XXXX and no word from them regarding the modification. However, we received a letter from their attorney notifying us that they plan to sale our house on 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 2015-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Requested balances as of XXXX/XXXX/2014 approx. 1 month ago. I have not heard back from the branch or corporate regarding my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I purchased furniture from XXXX XXXX and I received about {$3500.00} in defective items. I made numerous phone calls and sent numerous e-mails to the merchant, but I received no response from XXXX XXXX. I purchased the goods with my Wells Fargo Financial National Bank XXXX XXXX credit card # : XXXX. I am dissatisfied with the goods I received from XXXX XXXX and I have tried in good faith to correct the problem with the merchant. I may have the right not to pay the remaining amount due on the purchase. I am disputing the following charges : {$2800.00} and {$760.00} on my credit card account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Modified loan that was in default from conception

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a car loan with Wells Fargo Dealer Services. The car was in acar accident and I was told by my insurance company the loanwould be paid off. I was also in the process of moving. I nevercontacted Wells Fargo to give them my new address becauseI was under the assumption that the loan was paid off. Wells FargoDealer Services sent me a XXXX letter dated XXXX 2012So I could purchase my current car. I disputed this with Wells Fargoas well as XXXX for reporting this inaccurate. XXXX changedthe dates several times. Please see attached. Wells Fargo is tryingto say they faxed a copy of the XXXX letter with the wrong datethis is not true. I found the letter they mailed me back then. I con-tacted Wells Fargo and spoke to XXXX XXXX who not only signedthe XXXX letter but said Wells Fargo sent out a letter via mail thatthe insurance did not payoff the loan in full and I was responsible for thedeductible. She verified that the mail came back undeliverable so thenthe began calling me. When they contact me I did make the paymentover the phone. My rights are being violated on a few levels. On XXXX level this has been repeatedly updated with the dates changing several times by the furnisher andthe credit reporting agency. Section XXXX states that the respons-ibilities of the furnishers of information to consumer reportingagencies. subtitle a reporting information with actual knowledgeof errors is against the law. Also after it is confirmed that this is anerror and still reporting it is illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A co-worker wanted me to co sign for a loan so we went in to Wells Fargo where we both bank, my co-worker had already spoke with a personal banker which explained to him the whole process. That day she asked us for all the requirements, I told the banker I was in a hurry and my time was limited. So I told her let me now when I can leave, I 'll sign what I need to and my co-worker can finish the process. While we waited for the loan approval she asked if I was interested in a credit card she did n't explain much all she said is that it was 15 months 0 interest, so I told her again that I had an appointment that maybe another day she can give me all the details about the credit card. after that we did n't discuss anything about the credit card. Once approved for the loan she handed each of us a copy of what we had signed for the personal loan, I went on my way and my co-worker stayed to receive the loan. About a week after I received in the mail XXXX credit cards XXXX for my co-worker and XXXX for me, I was shocked to when I opened the envelope. I looked for the copies that the banker had gave me but nothing showed that I had signed for a credit card. I waited about XXXX weeks, never activated the credit cards went in to the same bank to explain what had happened. Once the banker went over the credit card details I told her I would keep it only if I could remove my co-worker from the credit card and still keep the 15 moths 0 interest. She made some calls to see what she could do, she said that in order for me to keep the credit card I had to close the account and re-apply on my own. Even though I had not even applied for it to begin with. that would require running my credit again. She promised to give me 15 months 0 interest she even put notes on her computer stating that she had called credit services and they would honor my request. 
well that was not true, when I activated my new card I called to verify the interest. They ran my credit for nothing, it was just a waste of my time, I went in to the bank a few times to solve that. A banker told me I would get a response within 10 days its been about 20 days I 've never received a call regarding that incident. I want my credit restored and the can keep their credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Performant Financial Corporation
State: CA

Complaint narrative:
A few weeks ago, I was was called in the operation managers office, because someone called my employer requesting payroll/employment information about me. I was told the name of the company was Performant Recovery Inc . 

I was stunned because i had no knowledge of who/whom was inquiring about my employment and i assured my employer that i had not been sued and there was no court order in place for my wages to be withheld. 

I was provided the name and number of the representative to call on my own. However, a few days later i received a notice prior to wage withholding from Performant Recovery , Inc . 

Please be advise ... i have no knowledge of what the debt is for. I was never contacted initially by them. I never received a collection notice so the debt was never validated ... .. they went straight to my employer to try and garnish my check and sent me a notice later to advise me of what it is they are trying to do to me .... which is bully me into paying something i know nothing about and could have possibly lost my job.

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 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo has claimed a payment of mine has not been made due to a mobile payment being attempted with incorrect account information. I always conduct on-line bill payment, and for the payment in question, I provided proof from my bank that funds were received on-time. Since then, several months have continued, and late charges are being assessed. In my attempt to resolve this, I have been in contact with XXXX people and no closer to admitting Wells Fargo was at fault. My case was re-opened after I disagreed with the first conclusion, and now a new case worker is starting the investigation process all over again. Unbelievable!

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 2015-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
This is the XXXX time I am filing a complaint against Wells Fargo Home Mortgage in regards of the XXXX late status on my credit report from XXXX/XXXX 2012. I have submitted countless documentation verifying the payment was made on time and they refuse to acknowledge it and continue to report that the payments was late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had to obtain private student loans throughout my college career so I could obtain my bachelors. Without the loans I would not have been able to complete by degree. I am very thankful I was able to stay in school however at this point in my life, I am not able to afford my full payment and Wells Fargo will not give me any alternative payment options. I have tried to consolidate my loans and have been denied and I am not eligible for a review of my loans because of my cosigners incomes. My parents cosigned my loans however will not help in repayment. I have a daughter now that is XXXX and I am a single mother so making these payments is impossible. I would love to repay them, but I just ca n't afford what they want per month.

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 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I am working with an extension of loan modification with Wells Fargo on a XXXX mortgage due to being unemployed since XXXX. I have had problems with the loan preservation specialist not returning calls, not checking her email for executed documents and stating I have never complied, to which both of these were escalated to the manager. Now all correspondence is submitted to both the specialist and the manager as cc. 
The latest is a problem I have with Wells Fargo and the XXXX. I have attached their instructions and the form that I sent back. The instructions would lead a person that is less then prudent to believe this is a blank form, and they address line XXXX as " This does not apply. No action is required. '' But in fact they have altered line XXXX to an address and phone number that is not the tax payers. I believe this should be disclosed to the borrower in the wtitten instructions. Also, they in advance checked box XXXX. but I have unchecked it and have checked what I feel is appropriate and the year as well. My hunch is that they will still request my records and ignore my request, but I feel they should be directed to better inform the borrower of the alterations and the intent of this form ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have tried on several occasions roughly last 5 years to try to get a reduction in my mortgage rate or in one of the Home Affordable Refinance Program. I have even tried to apply for other help mortgage programs with the lender and have been unsuccessful. I have requested my loan paperwork and my loan was transferred to my current mortgage company and I have noticed it was changed from XXXX to XXXX. I have contacted the loan officer and was told she had some issue with her partner who misappropriated some funds and may have tampered with that paperwork. I am also currently own more on my loan than the house is worth. I am looking for any help possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I refinanced my mortgage through a broker and Wells Fargo bought the new loan XXXX XXXX, 2012. I escrowed the taxes and insurance to be included in my loan and be paid annually. I had no problem at first, but every year now they send me an escrow refund and immediately raise my loan payment. I have never experienced this with any other of my mortgages. Why do they do this? I always call and ask how I can pay down the demanded new escrow payment to keep my monthly mortgage payment the same. I send them a check for the specified amount thinking there will be no further problems. Then, months later I again get a refund escrow check and they again raise my monthly payment. How can I avoid this constant problem? I am a senior citizen with an excellent credit rating and always pay all of my bills on time and frequently include an extra amount. The first few years I added extra money toward the escrow but this did not help. Now I add extra money to the principal. Is their practice of changing my escrow at least twice a year legal? When they set up my account why did they not set up the escrow account correctly to always be able to pay the annual taxes and insurance without raising my monthly payment after sending me a refund due to overage?. My insurance and taxes annually remain about the same. I do not understand whey they send me a refund because I have overpaid and then raise my monthly payment to cover these expenses. Please advise. I have complained to representatives of the the Wells Fargo Mortgage Department that manages my loan every time I get these refunds and have to then replace them by a higher monthly payment and they continue the practice anyway. Thank you for your consideration.

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 2015-08-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Recently checked credit report.Found XXXX late payment from Wells Fargo Dealer Services.Calledfaxed email proof of payment .Showing paid on time.Company still refused to remove late payment. Also asked for them to be removed from credit report. Due to the fact of inaccurate info from " WFDS :. The refused to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
My account number with Wells Fargo is XXXX. 
I do believe that XXXX XXXX has caused my account to become delinquent. This started with the XXXX payment of this year. I am enclosing a payment history file to show this fact. Payments I was told to make to bring the account up to date were put into my Chapter XXXX program. Not Fair that is why I have put this file together.

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 2015-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My partner and I had difficulty opening a joint account at the Wells Fargo Bank. The Banker reported false information on our application, and stated the system shut down before he could add my partner as a signer. He collected sensitive information, including my partners SSN and phone number. Yet, neither were reported on the application that he printed out for us. We reached out to Wells Fargo, and they have not been helpful thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My XXXX and XXXX mortgage is with Wells Fargo I struggle each month to make my payments to them. I am using almost XXXX % of my income to accomplish this. I have been requesting mortgage assistance going on 3 three years from Wells Fargo. Wells Fargo is encouraging me to be late on my mortgage in order to give me assistance, however, the definition of imminent default I believe I meet ; My income is XXXX a month ; my total payment is {$3400.00} I have a little over {$2000.00} in the bank, the threshold is {$25000.00}. I do not trust Wells Fargo they have shown zero interest in my struggle to keep 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