vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
For many years, I paid my Long Term Health Care policy via my Wells Fargo automatic bill pay account on an annual basis. The premium went up, which is unusual, so I had to change the premium amount -- and I also made the payment on an earlier date because I wanted to ensure my account was credited while the insurance company was going through some turmoil due to the rate change which otherwise could delay that. I had difficulty making the change, but did accomplish that. However, both the new payment amount ( {$2900.00}, on XXXX XXXX, 2016 ) and also what then was a duplicate payment ( on XXXX XXXX, 2016 ) at the old amount ( {$2400.00} ) and date were made. I did notice this on XXXX XXXX, 2016 but neither I nor ( calling ) Wells Fargo could stop that payment. Wells Fargo said it was my fault ( I agree their payment change process is difficult ) and refused to reimburse me. Then in that call, they and I called the insurance company ( XXXX ) together to see what would happen when they received the XXXX check. XXXX advised they would send a refund of any overpayment by check mailed to the policy holder. I called XXXX again on XXXX XXXX, 2016, having not received any check, and was told they had not yet received any payment that they could attribute to me. I then called Wells Fargo, who took another report and claim, but seemed unable to verify whether they had made a payment or not to XXXX while I was on the phone. Some day I expect this will be corrected, but they do n't seem to care when they owe me money as much as when borrowers owe them money. Also, if their software is too cumbersome for a simple change of amount and payment date, they should direct me to cancel the old payment and initiate a new one. Wells Fargo case numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
in my XXXX payment I included an extra XXXX to go to principal but the mortage company did not credit me with payment. they used the payment for escrow account. I had written instructions the amount to go to principal but they did not credit me with the amount to go to principal

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

Complaint narrative:
In 2010, I declared bankruptcy. My mortgage with Wells Fargo was withheld from the bankruptcy through a relief of stay ( the mortgage could n't be discharged anyway because it was a secured debt ). After the bankruptcy closed, I refinanced the mortgage with Wells Fargo ( using the Home Affordable Modification Program ). I have been making regular, on-time payments since I refinanced. I have my mortgage statements from Wells Fargo showing this. Also, the loan number on my refinanced mortgage is identical to the loan number of my mortgage before I declared bankruptcy. 
However, Wells Fargo is reporting to the credit reporting agencies that my mortgage was discharged in the bankruptcy, and they are not reporting the refinanced mortgage. That means my credit reports show a discharged mortgage and no current mortgage. 
When I discovered this a few years ago, I called Wells Fargo ( twice ) and asked them to correct this reporting error. They refused. 
Last year, I sent packets of printouts and information to the credit reporting agencies to see if they would resolve this, but they only put a note that I disputed the report of the discharge. 
Loan number information : Original mortgage loan number before bankruptcy : XXXX Original mortgage loan number being reported to credit reporting agencies as " discharged in bankruptcy '' : XXXX XXXX Current refinanced mortgage loan number : 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 2015-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I called Wells Fargo Mortgage back on XXXX of 2015 to ask for a payment plan because I was two months behind, I wanted to make two payments for the following two months, but the customer service representative advised me that they have a modification plan that I can qualify for which is meant to help in this kind of situation and mean while I ca n't make payments until I am approved. I have been in and out of XXXX modifications in the past 11 months. And the payment due kept increasing and growing to now XXXX. I feel I have been cheated and mislead to lose my home intentionally. Every time I try to complain they state that the person handling my account left the company and assigned his work load to another. I intend to keep my home and I want to take my case to court have this investigated. I was able and willing to make the payments before they grow so high and they intentionally waited until it was beyond my means to pay to take my home from me. I have been paying this home for the past 17 years with no problems. Until now. I intend to seek legal help and to contact the local bank and mortgage regulatory entity in my state and file a formal complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2014 Wells Fargo bank offered {$20.00}. To open a credit card account attached to XXXX pay for the iPhone 6 's. As long as you used the card within the specified limited time, you would receive a credit to your account. I purchased some batteries with XXXX Pay within the time frame and looked for the credit. After a month or 2 checking my credit card statement and nothing being credited I contacted Wells Fargo to question what happened to the credit? They said XXXX was responsible for the payment and they were waiting for them before issuing the credit. Nothing was ever credited. Here is a link that describes the XXXX Fargo/XXXX promotion. 
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 monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Bank increased my interest rate far beyond my ability to pay despite a spotless credit history. Though I do not know the legal definitions of USURY and I must assume that the bank is operating within the confines of the law, the spirit of the law has been clearly broken since the practice is purely predatory and without provocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo has force placed insurance on my property as a XXXX mortgagee. I have told them several times that I already have mortgage insurance through my XXXX mortgage which is XXXX. The XXXX mortgage policy is with XXXX. They insisted on creating the policy anyway stating that they would deduct the money from my escrow account. This is how ridiculous they are. I do not have an escrow account with them. The Wells Fargo Account # 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 2015-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have money unexplainably being deducted from my account without trace of any transactions. My balance simply changes without any withdrawals taking place. Then when I call the bank 's customer service they say that everything adds up and they do n't know how it might have happened. It has happened more than once and the first time they refused to investigate and so did the police claiming I did n't have " physical Proof ''. This time I do have a screenshot of what my balance was just yesterday and without any trace of where the money went, I wake up with {$180.00} less in my account and it keeps happening! XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
wells fargo had open another account with out me knowing, as a result i try 'd paying a credit card account and was navigated away to an account that did n't reconized and did n't pay my credit card .so i went to the bank and found extra charges ( fee 's ) and desputed them my son call the bank because i have a XXXX and XXXX veteran i always need help with my finances and balancing my encome i had electric turn off becuase i forgotton to pay even then the money was in my account i did n't know to use it and had them remove it just to fine out it was placed back again 4 months later i cancel the credit card that i place deposit on, and had owed $ XXXX ( - ) this had started around XXXX XXXX open credit card and closed about XXXX XXXX this account has been payed and becuase i had trouble navigating my account the credit card was not payed on time my son assist me with bills and set up bill pay account to better stay on track how ever the account now charged off as late a few months my account has a balance of XXXX on the frist i had ask for help with bank on mychecking acc. the report to the credit bureaus are unfair wells fargo posted as negitive infomation althought i made attemps withe bannk its still on my report and want it removed i think i can handle my account so long as the bank Well Fargo do not make changes thank you XXXX XXXX XXXX/XXXX/XXXX acc XXXX Wells Frago Bank my address XXXX FL XXXX XXXX and 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 2015-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Integrated Recovery Services
State: MI

Complaint narrative:
A representative called me on XX/XX/2015 regarding a debt a relative has, I explained I have nothing to do with the debt and requested no contact, they assured me they would take me off as contact. On XX/XX/<YYYY> I received an automated call regarding the same debt owed by a relative. I called again to ask that they remove me as a contact, " XXXX '' stated that the relative would need to have them remove me. I asked why she could not remove me as an non-involved part that did not want to be contacted, she again stated that the relative needed to have me removed from their contact list. I asked if they followed FTC regulations, she stated they follow their own regulations then put me on hold and did not return to the call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I want my case to get a fair review for the new program my lender participates call Principal Reduction! My home is grossly underwater. I have attached a detailed letter in the disgusting way Wells Fargo has been handling my file! They 've stated my home sold even though I filed for Bankruptcy! Please provide a response to that since they are not willing to speak with me anymore!

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 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I requested numerous time to Navy Federal Credit Union for a modification, refinance or short sale of my home from XX/XX/XXXX through XX/XX/XXXX and believe deceptive debt- collection practices I lost my home and ruined my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage was in charge of servicing our loan from XXXX XXXX, XXXX XXXX, 2015 and they never paid our property taxes from our escrow! The property taxes were due by XXXX XXXX, 2015 and still have not been paid as of today ( XXXX XXXX, 2015 ). I have been in contact with Carrington mortgage several times with regards to this matter, through e mails ( corresponses with XXXX ) and even phone conversations with a women by the name of XXXX in there Tax disbursement department and have gotten nowhere. 
They have since sold my loan to a new mortgage servicer effective XXXX XXXX, 2015 we are now with XXXX XXXX. I have spoken to several people at XXXX XXXX and as of today XXXX XXXX has never sent me a welcome letter or a loan number or even a statement. I was under the impression that they had 15 days to get that to me which they have failed to do and when I contact them they said that they still have not logged my loan file into the computer so they dont see anything. I women by the name of XXXX from XXXX funding is telling me this morning that they sent out a welcome letter on friday, XXXX XXXX which I do not believe to be true because I gave ive been checking the mail every day and still nothing and today is now the XXXX. I then aske Her if she could fax me a copy of the welcome letter ... she was not able to produce it to me because she said my loan wasnt entered into there system yet! I too have sent several letters by fax, had countless telephone conversations with several of there staff, with ragards to my property taxes not being paid back in XXXX of 2015. And i am being told that once i am logged into there system that they can try to look into the property taxes! Im frustrated beyond belief and I feel like Iam getting the run around! I need answers! i have even been in contact with the XXXX and they have not received any response from Carrington Mortgage! There is so much going on with these XXXX mortgage companies that needs to be looked into! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My wife and I have had this loan for a number of years. It was issued to us in conjunction with the refinancing of our home. We recognize that the high interest rate makes it difficult to pay down the princple. We have payed consistently on time with no problem. When we have asked to be considered for a lower rate so we can add extra to the payment we are put off with " its not the kind of loan that can be lowered '' or they can perhaps consider it at a later date. I believe that it is because we have a good payment history and Wells Fargo sees us as a consistent payer and it is to their benefit to keep us in the higher interest rate. We are not asking for any reduction in the debt principle we just want a reduction of the interest rate so we can pay down our debt.

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 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Good Afternoon This is a complaint about Transunion I would Like to continue my dispute with Transunion about reporting false information and ILLEAGAL INFO about me If you look at the documents that i attached to this complaint this is from Transunion orginal credit report on XX/XX/XXXX they are reporting a 30 day late I have sent Transunion proof that I paid XX/XX/XXXX on time. Ok XX/XX/XXXX they report a Ok ( paid as agreed ) NOW WHEN YOU LOOK AT XX/XX/XXXX They reported a 60 day late. How in the XXXX is that possible?? Transunion this is against the LAW FOR YOU TO REPORT NEGATIVE IN FRAUDULENT INFORMATION ABOUT A CONSUMER I ASK YOU TO REMOVE ALL LATE PAYMENTS THAT YOU ARE REPORTING ON THIS ACCOUNT AS NONE OF THIS INFORMATION IS TRUE. IF YOU ARE UNABLE TO DO SO I ASKED YOU TO PLEASE CONTACT XXXX AND HAVE THEM SEND ME PAYMENTS FROM XX/XX/XXXX UP UNTIL XX/XX/XXXX BECAUSE I KNOW I WAS NEVER LATE WITH THESE PEOPLE I WILL NOT CONTACT XXXX BECAUSE THEY FAILED TO RESPOND TO MY REQUEST SINCE YOU ARE reporting This false info about you I want you to remove this information as you are running my Good name

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: AL

Complaint narrative:
Our mortgage is services by ASC aka Wells Fargo and should be a fixed rate mortgage. In XX/XX/XXXX my husband was laid off and we began to have financial troubles. In XX/XX/XXXX, I filed chapter XXXX bankruptcy to save our home. Over the course of the next five to six years I paid over {$30000.00} in the bankruptcy case. Throughout this time and process we have request both payment histories and a history of the escrow account. For the past two years, I have periodically request this info time and time again. My bankruptcy attorney even provided them a release letter so that they could discuss this info with me. Our reason for this is that we wanted to make sure the money was being applied appropriately so that when the bankruptcy ended we would be back on track. Well this has been a struggle to say the least and to this day I have yet to receive any of the info I have requested regarding my mortgage. My last communication with ASC was on XXXX XXXX, XXXX via phone. This time I was told that the payment history and escrow info for my account is stored in microfiche ( yes microfiche in XX/XX/XXXX ) and they were having a hard time gathering the info for my account. I am not sure of what our balances are at this point and although ASC ca n't provide a history of the transaction on my account they have told us that we are still owe them approx {$14000.00} to {$15000.00} dollars. We are not currently in foreclosure as we have tried to modify our mortgage but was denied because they said our monthly mortgage expense is {$630.00}. However, our monthly mortgagpayment is {$820.00}. I am at a loss now and need help. We desperately need to see our account information to be able to make an informed financial decision regarding this mortgage but are not getting any details from this company. How can that be? I thought they had to legally provide us with at least a history of the account when requested? Please advise.

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 2016-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am trying to do a short sale on my home and the bank has come back with a valuation that is totally inadequate. No one came to my home to do an interior valuation. The bank only sent someone to do a drive by valuation. At this time my home has electrical issues and there is some semblance of mold in the basement. I have asked the lender to postpone the foreclosure sale to do a proper valuation and they are being unreasonable in their handling in this situation. I am desperate for some help/assistance.

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 2016-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have been requesting since XXXX 2016 a total account of the money paid for mortgage and also in our escrow account. We have sent a certified letter to Wells Fargo and they stated we had to go to their lawyer because we are appealing a summary judgement to keep our home. The lawyers after sending them a certified letter they stated we needed to request the information from Wells Fargo. It appears no one wants to give us an account of our money which is our legal right.

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 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Our client is the son and heir of his parents, who were the co-owners of their home in which our client is currently residing. His parents, who purchased their home in XXXX, recently passed away. Our client was the administrator of his mother 's estate, which was recently closed. He has contacted the servicer to request that he be allowed to assume the loan and to discuss his loss mitigation options. The servicer refused to communicate with either him or his brother, the only other heir and successor-in-interest, at all and quickly began foreclosure proceedings. The client has provided the servicer with copies of his parents ' death certificates, estate documents showing that he was the administrator of the estate and a written request that the servicer communicate with him. The servicer refused and stated via correspondence, that the client should contact " our customer directly for information or to be authorized to receive information on the account. '' As XXXX customers are XXXX, that is impossible for the client to do. The servicer has not acknowledged, in writing the notice of error that it was sent. The servicer 's refusal to speak to either of the heirs has caused them to incur additional arrearages, costs and the necessity of retaining an attorney. The client and his brother are the only successors-in-interest and wish to assume the loan and to be evaluated for loss mitigation, but have been unable to do so.

Company response to consumer: Closed with explanation