vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is my XXXX complaint against Wells Fargo student loans as my XXXX complaint and their response was not sufficient. I am the cosigner and the main borrow is not paying the loan even though ordered in the divorce decree and I sent this paperwork to Wells Fargo. I asked Wells Fargo to send me a monthly bill since I am and have been the only XXXX paying it the entire life of the loan. They sent me their policy stating they are not allowed to send XXXX bills. So I asked to not send the main borrower XXXX just me so I am aware when it is due before it is late with a late fee which is the only time I 'm notified of the bill. So I do n't have a chance to pay it on time at all only aware once it is late and with a late fee. The XXXX late payments on the account in the last 6 months have dropped my credit score almost XXXX points. The rest of the loan in over 3 years never a late payment. I am asking that in goodwill these late payments be removed and this removed from my credit as it is evident I have been trying to be proactive in being notified of this bill to pay it timely, have paid it timely and the associated late fees, and be sent the bill from here on out so they will continue to be paid on time. I have spent countless hours in the last 6 months on the phone with numerous Wells Fargo employees with no resolve. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
on XXXX/XXXX/16 Wells fargo dealer services received an application forwarded from open roads lending. This application was not completed by me and is a fraud. Wells Fargo ran my XXXX credit report, but failed to have proper authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
the bank wells fargo told me in a recorded conversation according to their policy an account can not be put in the negative to pay the bill pay feature. the bank changed their web site and an unauthorized bill pay for {$140.00} came out of an empty checking account to pay the wells Fargo credit card. 
then the bank charged me {$35.00} overdraft fee and stole a total of {$170.00} dollars from my checking and the funds were never applied to my credit card. 
this is fruad and i am a service connected XXXX and i can not afford to pay wells fargo to steal from my account. I have spent hours and weeks and months trying to fix wells Fargo 's NUMEROUS so called 'mistakes ' and would sue them for sever emotional suffering ut i do not have the money or an attorney and i am XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I contacted Wells fargo because they have a property that has been on the auction for almost three years now. I contacted the executives and got a response from a XXXX XXXX XXXX. He told me that the bank would not accept any offer lower than the reserve price which was XXXX under any circumstances and if the house did not sell after the date of the end of auction. The house would be giving to HUD. Two days later I check Auctions.com and the house is back on listing and XXXX XXXX dollars cheaper. I contacted XXXX XXXX and have n't gotten a respose yet

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 2016-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA

Complaint narrative:
My Name is XXXX XXXX XXXX XXXX. 
Concerning XXXX XXXX XXXX XXXX XXXX CA XXXX-Loan # XXXX : My Mortgage company ( PRMG ) claims they returned an accepted payment that was processed on XXXX XXXX 2016 in the Amount of {$1700.00}. My bank has confirmed the payment was not returned. PRMG has provided no evidence of a returned payment. They have assessed late fees and insufficient funds fees as well as home inspection fees. I have provided them with direct contact with the bank, as well as evidence of no returned funds, in the form of bank statements as well as an ACH trace number. They will not accept my XXXX payment without a repeat payment for XXXX for a total amount of {$3600.00} including penalties. 
Concerning XXXX XXXX XXXX XXXX XXXX Ca XXXX-Loan # XXXX : PRMG transferred servicing divisions for this loan on XXXX XXXX 2016 they did not include a previous payment to the previous servicing division in the amount of {$1600.00} which a check was cashed on XXXX XXXX 2016. They have been informed several times that the payment was made on time and have yet to reconcile the internal issue instead I have been charged late fees and penalties and they will not accept an XXXX amount unless I pay XXXX again because they credited the XXXX payment to XXXX. They are demanding {$3200.00}. 
I have tried to work with PRMG and all efforts have been in vain, including providing bank statements, ACH trace numbers, account numbers, as weell as direct contact with the previous servicing department who informed them of the internal errors. This has already negatively effected my credit, and peace of mind. I have been treated as if I am irresponsible and guilty of defaulting on agreements to pay, which is an insult to me as a XXXX, XXXX Veteran, my integrity is my most sacred possession. Please advise me of the next step in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My mortgage application was mishandled by Wells Fargo Home Mortgage. They took 3 weeks to process ( when they committed to 5 days ) and then denied my application due to " insufficient savings history ''. I tried to provide info to support the savings history but they mishandled it. I opened an investigation with their customer service and they provide incorrect statements in their final report ( flat out lies ) so I am reaching out to you for help. I was able to get a mortgage with another bank but it cost more in fees and interest rate. 
WF is deplorable! I hope you have time to investigate this before XXXX takes away your funding. : (

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 2016-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
1st Call : on XXXX/XXXX/2016 at XXXX - I received a call from Wells Fargo Mortgage Company, at which time I identified myself and advised that I will be making a payment on Friday XXXX/XXXX/2016, for my past due of {$760.00}. 
2nd Call : on XXXX/XXXX/2016 at XXXX - I received a 2nd call from Wells Fargo Mortgage Company, at which time I identified myself again " This is ... .... '', I advised that I had already spoke with someone, and that the Representative had a right party contact. I told the representative not to call back, she then stated " we 're going to call you back again '' I said what did you stay and she repeated her threat " we 're going to call you back again '' I told her she had better not. I hung up ... 
3rd Call ... 
On XXXX/XXXX/2016 at XXXX - I received a 3rd call from Wells Fargo Home Mortgage I identified myself again " This is ... .. '', I asked to Representative to let me speak with a Supervisor. The Representative put " XXXX XXXX " on the line, she identified herself as a Supervisor. I told her that this is the 3rd call and advised her of what the last representative threaten the Well Fargo would be calling me back a 3rd time. The representative did not remove me from the dialing system to discontinue calls for that day. I told the Supervisor, this is Harassment, they should have not called me back after they had spoken with me on the 1st call. I advise the Supervisor that I would be filing a complaint for Harassment.

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 2016-04-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: MI

Complaint narrative:
I recently contacted American Education Services ( AES ) on XXXX XXXX, XXXX. I spoke with customer service rep, XXXX, with employee ID # XXXX. My call was in reference to XXXX loans that have now come into repayment status, and were formerly owned by National Collegiate Trust, but are now managed by AES. XXXX other loan, formerly owned by XXXX XXXX XXXX, and now managed by AES is current and the payment is manageable. 

I 'm currently unemployed, diligently seeking employment but have not yet received any job offers. I was last employed full-time in XXXX. XXXX was highly professional and diligent in seeking a solution to offer. I had inquired on the possibility of deferring or forbearing the XXXX loans. XXXX was unable to offer that option, or rather AES was insistent in not extending this offer. The only solution she suggested was to place all XXXX loans into an automatic payment plan that would lower my percentage rate by a 1/4 % over the life of the loan. Yes, that does make sense ; however, I can not acquiesce to that offer until I can make payment on all XXXX loans. 

Despite XXXX 's professionalism, in other calls to AES, I have found its employees rude and belligerent. When I asked to escalate my issues to a higher manager, they would say, " Why? They 're just going to tell you the same thing? '' Inexcusable. 

I would greatly appreciate any assistance you can offer to mediate this situation CFPB. I realize that I am contractually obligated to repay these loans, which I have never lost sight of ; however, I would like to reach an agreement with AES that would mutually satisfy their need or assurance of repayment, and my need to make a payment that is substantially lower than what I 'm currently now paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We always carry flood insurance ever since we used to live in XXXX and the entire time that we have lived in XXXX. When we refinanced, at settlement they wrote flood insurance into our loan. The statement " flood for life of the loan '' is included in the settlement and a charge was made to secure this service. We recently found out our flood policy was cancelled for non-payment in 2012. Wells Fargo can find no evidence that they informed us that they would not handle flood through escrow unless required by law, and the company admits that at no point did they inform us that they did not and were not going to secure flood insurance as agreeed to in our settlement. An escrow-related reimbursement was made at XXXX point but it was not indicated that this was because they were not paying for flood insurance, we had no idea we were uninsured until we needed our coverage to help after a " 75 year event '' ( XXXX inches of rain in XXXX hours ) flooded our home. XXXX searched and searched to no avail, we were uninsured and Wells Fargo, despite acknowledgment of fault, will not take responsibility for this breach of contract and expenses we incurred for abatement and repair.

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 2016-10-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I sent Wells Fargo several Qualified Written Request ( QWR ) through CFPB, XXXX XXXX and HUD to find out how much was owed on the account XX/XX/2016. Wells Fargo has sent me documentation through the CFPB portal that the balance on the account was {$8100.00} On XX/XX/XXXX I received a letter that they there was going to be a HUD Pending Acquisition of the property. I responded to the letter on XX/XX/XXXX by certified mail notifying all parties of the error on the account Wells Fargo made and requesting that balance can be spread out in monthly payments and the account need to be updated to reflect the amount owed. 
I received a letter from Wells Fargo dated XX/XX/2016 stating that the account was updated. 
Then on XX/XX/2016 my account has placed in active foreclosure.

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 2016-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
We make our payments on the 1st of every month and America 's Servicing Company receives the check and cashes it, but never posts it so it shows up on my credit that we 're 7 months late when we 're not we are current.

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 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX/XXXX/15 here is a copy of the letter I sent to the company : Wells Fargo Home LoansDear sirs, I received a call today that was very disturbing. I want to express my concern that your collections department is out of control and using bully tactics, high pressure tactics to compel a payment when it is not necessary is poor customer service. 
I have never had a call from collections before the grace period is expired in the 14 years I have had my loan with Wells Fargo or the companies it purchased loan paper from. I was answering a " no caller ID '' phone call when I was assaulted by your collections representative and I hung up the phone when he was rude to me after I got him to admit that I was within the grace period for payment. These abusive debt collection activities are not welcome. Whenever I am asked, I say no to the question of being set up on an auto dialer. This is in keeping with the Fair Debt Collection guideline : under the heading 806. Harassment or Abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I want to strongly suggest that he is the kind of collections rep that will give you a bad name. He was disrespectful in his tone and very cold. 
I conjecture that you are training people with this style of collection methods or the department has too many employees so they are making unnecessary calls to practice on people like myself. The only other reason would be that the company is in trouble financially so they are resorting to collecting from those who use the grace period to make sure all bills are taken care of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
A representative from Wells Fargo keeps calling my fiance ' claiming I am delinquent on a pay day loan and opened in 2011 and if I do not pay they are garnishing my wages. They have my social security number, date of birth, address, job information and my fiance 's information and phone number. I never opened a payday loan ever in my life. I do not know if this is one of those fake accounts wells fargo created. I wish to be compensated for harassment, ruining my credit and fraudulent use of confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Fell behind on my student loan payments and have not been able to catch up due to other living expenses.

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 2015-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check for {$7500.00} in my checking account at Wells Fargo Bank. The check bounced. Wells Fargo deducted {$15000.00} ( that is, the {$7500.00} check amount was never added to the balance ; when the check bounced, {$7500.00} was deducted from the account ) from the account and added about {$2300.00} from my Wells Fargo credit card to create a positive balance. The agent I spoke with on the phone had no idea how to handle the problem. I went to my local branch and spoke with the manager. At first he was n't interested in doing anything about the problem and called the XXXX {$7500.00} a " pledge. '' He was unable to explain what a pledge was. I was outraged. He finally adjusted the amount to show the proper checking account balance including repaying the credit card and assuring me I would not be charged an advance fee. 
This cost me 3 hours of my life and a great deal of aggravation. It is my feeling that if a bank can penalize a customer for a mistake, then a customer should be able to penalize the bank for a gross mistake ( which was apparently standard practice and not a mistake, a purposeful violation of a customer 's rights ). Should I take this to small claims and ask for punitive damages? What can you do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Today I received a treating message from XXXX XXXX XXXX XXXX. The intimidating message informed me if I did not respond to their message that they would make a decisionthat will harm me. 
THE WAY IT SOUNDED MY LIFE WAS IN DANGER OR SOMETHING TO THAT AFFECT. 
THIS CALL WAS LEFT BY XXXX. PHONE NUMBER XXXX XXXX XXXX XXXX. My case number XXXX. 
In 2006 I paid off the overdraft. I panic like everyone because there was a bad storm approaching XXXX. This bank was with XXXX Bank. Check my credit. This is the only thing that keeps harassing me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I paid off a credit card when refinancing. The payoff was {$1600.00} too much. Wells Fargo received the payment on XXXX/XXXX/15. said they refunded the money 20 days later on XXXX/XXXX/15. 19 days later still have not received the refund. 
Spoke to a " supervisor '' who said that if I wanted another check sent out, they would first have to send me a letter to get notarized, send it back and then Wells Fargo will send me another check in the same manner. they refused to send it via any way that can be traced.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX XXXX, 2015, I had just one face-to-face conversation ( wherein I did provide taxes & some other financial documentation ) with XXXX, a loan officer from Wells Fargo in XXXX, Washington to obtain his professional opinion of my debt-to-income ratio for a desired refinance of my primary residence. I clearly stated I did not want to move forward in any other way until he had looked through the docs & could be reasonably sure my scenario could meet their DTI requirements. He was told I did not want my credit pulled as it had just been pulled by an incompetent loan officer in XX/XX/XXXX & I did not want damage to my credit scores by multiple credit inquiries. On XXXX XXXX, I received my " notice to the home loan applicant '', and it was the only knowledge I had of this LO pulling my credit -- he DID NOT ask permission on XXXX XXXX, the date he pulled it. He was never given written OR verbal authorization to do so. They have no documentation of any sort signed by me in connection with this proposed loan -- no XXXX ( I never filled one out ) or any other disclosures, and certainly no authorization to pull credit. 
TO NOTE : From the time of the aforementioned credit pull in XX/XX/XXXX, my XXXX score dropped from XXXX to XXXX. I contacted their escalation department & spoke with XXXX who " investigated '' & called me on XXXX XXXX to tell me it " seems like a he-said-she-said situation '' and that he could do nothing. I said I had an emails wherein I questioned LO about why he had pulled my credit ( as well as why I was getting no contact or proper communication from him on any level ), and he asked me to send those to him. To my dismay, on XXXX XXXX he replied in part : " I 'm compelled to say that I think we do n't have enough information that it was understood that your credit would be pulled. Your email did n't state anything in regards to not telling the HMC to pull your credit. Unfortunately we will not be able to have the credit pull removed from your credit report ''. 
Being a former loan officer myself ( from XX/XX/XXXX-XX/XX/XXXX ), I am shocked that a financial institution has the right to intimate that I have to tell them NOT to pull ( which I did! ) or that ( perhaps any ) consumer would/should simply " understand '' their credit would be pulled! I ALWAYS GOT SIGNED AUTHORIZATION from my consumers! I 'm further shocked that this loan officer can just ( apparently ) say I gave him verbal authorization?! And XXXX stated in our phone conversation on XXXX XXXX that me providing some documentation ( again, never filling out an application NOR signing the authorization to pull credit! ) was considered by them as me " understanding that my credit would be pulled '' .... 
Can you please help me? It 's a real matter of principal for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation