vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I applied for a reverse mortgage and was not understanding any of the procedures and most facts. I simply did not understand the ramifications or mortgage satisfactions. I needed to get rid of my mortgage payment as I was unable to make ends meet. I am aware of paying off my home mortgage for {$27000.00} which I believed was the mortgage I had. None of my XXXX mortgage satisfaction statements are in this amount. I also have satisfaction of mortgage statements for {$30000.00} filed as document loan # XXXX XXXX dated XXXX and recorded XXXX and notarized in Montana on XXXX. There is certificate of satisfaction of mortgage for {$33000.00} document # XXXX dated XXXX recording date XXXX ; and notarized XXXX XXXX XXXX Last satisfaction of Mortgage is loan # XXXX NM dated XXXX ; recorded XXXX and notarized in Montana XXXX XXXX. Also included is Schedule of liens for Home Mortgage of {$27000.00} and unknown Wells Fargo Bank lien XXXX for {$33000.00} of unknown date under schedule of Closing Costs. Dates and amounts of money are not congruent and it seems there has been some error or mischief involved with so many " satisfactions '' of mortgage which I do n't know anything about and need explained. At the time of closing I received a check for a little over {$20000.00} and my home had been assessed for {$150000.00} and my home mortgage was about {$27000.00}. It does n't seem to me that I received the correct amount of money. It seems that the amount is way too low. Enclosed also is a reverse mortgage statement of XX/XX/XXXX and a letter of confirmation of loan payment ; loan # XXXX that has no signature or amount. I have tried to understand the statement, phoned Wells Fargo and others and still do not understand it. I do not understand what has happened to me and need help in addressing the problems I still have with it. I have been suffering from inertia regarding this and am reaching an age where I feel I need my papers in order which they are not. Please help me.

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 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited a {$3000.00} check in my checking account and Wells Fargo is holding the check for 9 business days. I deposited the check at the ATM and did get a message that the funds might be held. However, I have received this message in the past but the hold has only been XXXX or two days. When I checked my account this morning, I saw the hold date of XXXX/XXXX/16!

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 2016-02-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo, charged me a monthly service fee of {$10.00} XXXX separate times for not using my debit card ten times or more. When I inquired about this, I was told a few of my transactions did n't count because they were n't transaction from using my debit card and they could n't waive the fee. In the past I 've paid a small fortune in NSF fee relying on inaccurate balances due to the bank not posting to my account immediately. I 'm on a fixed monthly income and ca n't afford to have this bank taking money from me. I try to be careful to not go over my balance and now I have to worry about spending enough money from my debit card to avoid a monthly service fee. People like myself ca n't afford to keep this bank in business. They have no regards for people on a low income, if they have to charge fees why must they be so expensive and so many? It makes me feel as if I 've been robbed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Dealer Services continues to contact my family despite having been asked not to do so multiple times. This week, they contacted both of my sisters. They identified themselves as Wells Fargo and asked for a phone number to reach me. They have my phone number and my payment is not 30 days past due. 

In the past, when I have called representatives from the company have been also been incredibly rude and uncooperative. They also at one point billed me for insurance. Had I not noticed and complained, I would have ended up paying over {$1000.00} throughout the year. 

I regret having secured an auto loan with this company and will refinance as soon as I can with my local credit union.

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 2016-07-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been disputing a contention by Chase that a credit card account it has claimed I owned jointly should rightly include me as a party responsible for its debt. Chase researched its records and provided a copy of the original application used to assign account responsibility. Neither the handwriting nor signature on that document is mine. Further, though bearing only a single signature, Chase nevertheless contends that the account was jointly held with another person with no supporting documentation. 

In XXXX 2016, I advised Chase of its understandable error, providing the company with copies of the same documents they sent to to me from its own records and additional documents in my possession with comparator handwriting that would demonstrate the mistake they made. In this regard, it was my belief that even an untrained eye would be capable of differentiation between the two samples. 

In my letter I asked, again, that Chase remove my name from responsibility for the debt, notify credit reporting agencies of this action, and to amend a false report to the IRS resulting in a XXXX form to me. 

Chase has yet to offer a response of any manner. While the sum involved is insignificant to the bank, the loss since " written off '' and perhaps otherwise irrelevant to it, continuing existence of incorrect records of the misplaced debt continue to have real ramifications to me. Not only was my tax burden greatly increased last year, but a marginal creditworthiness continues to follow me. This issue is one which I would like to resolve in as timely a manner as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AmerAssist A/R Solutions, Inc.
State: WA

Complaint narrative:
i was contacted via phone last week from a collection company they stated i owed XXXX XXXX {$1300.00} from 2008 I told them i paid XXXX XXXX {$450.00} for their services and this was a BOGUS collection. I then received a letter on XXXX that was dated XXXX stating i needed to pay the amount the or legal action will take place. The letter states over {$3200.00} which almost tripled from what they told me on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX, 2016 XXXX/XXXX Loan Number XXXX XXXX XXXX XXXX XXXX, Florida XXXX We are filing this complaint against Wells Fargo Home Mortgage and ask that you assist us in resolving this matter - We began good-faith negotiatings on an Assumption Modification with Wells Fargo on XXXX XXXX. From the very beginning of this process, Wells Fargo has been a combatitive, unresponsive and misleading. 

After the initial conversation with them, Wells Fargo requested standard modification documentation, which was faxed to them on XXXX XXXX. We communicated with them on XXXX XXXX, XXXX XXXX, XXXX and the XXXX - each time we were told that no documentation had been received. 

For one month we tried communicating with them and received no response, but on XXXX XXXX we spoke with an individual there, who once again told us that still no documents had been received. We re-faxed everything to them XXXX XXXX and on XXXX XXXX, we spoke with another individual who confirmed that the file was in fact RE-ENTERED FOR REVIEW. At that time we requested that the file be escalated and a request for postponement of the XXXX XXXX sale date be made. 

After speaking with Wells Fargo this morning, we were told that our request has been denied, once again - due to insufficient documentation. 

We are well aware of the fact that Wells Fargo has a long and storied history, using this technique to deny homeowners relief and we are requesting that you step in and - have the XXXX XXXX sale date postponed for us ensure that Wells Fargo gives us a fair and proper review for this assumption modification. All documentation has been attached to this complaint. 

Thank you very much for your assistance with this!

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 2016-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
To who concern : I called West Fargo customer service at XXXX to complaint because I got XXXX overdraft fee that I consider unfair. But, they didnt take my complaint by telephone. For this reason, I am writingto you because they are charging me those hidden and unfair fees several times. In XX/XX/2016 I deposited online to my account XXXX the sum of {$280.00}, also I had anavailable balance of {$12.00} to make payments in the next day. Then, on XX/XX/2016 I made two payments to XXXX Online. However, Wells Fargo Bank paid those transactions earlier, and they process my deposit two days late. Their purpose was charge me irregular overdraft fees ( total amount of {$70.00} ) like they usuallydo base on their " banking politics ''. 
I want to tell you that these charges are irregular and unfair to the bank customers. They must stop this illegal practice, and I request the refund of those fees which were improperly charged to my account. 
Thanks. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc.
State: FL

Complaint narrative:
I contacted this company on numerous occasions asking them to validate the debt to which they have reported on my credit profile. However, I never received a response from the company. I went online and disputed the same account through the credit bureau to which they replied the account was mine. I will ask XXXX last time for a legal debt validation on this fraud account.Furthermore, in accordance with the XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I have never made a debt with this company and never made a promise to pay anything regarding this company. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.

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 2016-08-24 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have been using my Chase credit card as my primary credit card for over 5 years, spending easily over {$1000.00} per month almost every month. During this time, I 've paid back my balance in full every time without any problems. 

Earlier this year, I purchased some foreign currency while traveling, and used this credit card to pay for that purchase. When the month 's statement arrived, I was surprised to see multiple cash advance fees on my card. I called Chase regarding these charges and they were not helpful at all. I reluctantly paid these fees and moved on. 

Every month after that, I 've been hit with cash advance interest fees despite me paying my statement in full weeks before the statement due date. Each time that I called Chase, they could n't do anything about the current month 's fees, and they did not warn me about the fees that will show up next month. As a matter of fact, in my most recent call, their representative told me they could n't do anything to help but they can close my account. Despite being a loyal customer for over 5 years, and using their products heavily, this was the last straw for me. I 've closed my account and will never be doing any business with Chase again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VI

Complaint narrative:
What : Wells Fargo recently changed their online interface used for reviewing mortgage statements and making payment. I had no problems before the web change. After the change on multiple occassions, WF has misapplied the mortgage payment I submitted online. 1 ) I paid the regular P & I on a fixed 30 year product, and prepaid an additional amount. My mortgage statement only counted the prepaid amount, which would have resulted in a DLQ status if I had not checked my loan balance in the following days. I had to separately resubmit the P & I payment for it to be recognized. 2 ) The following month I paid the same amount ( P & I plus prepay ). This time only the P & I was correctly processed and I had to call WF to have the additional prepay applied. 3 ) The following month issue # 2 occurred again. I confirmed I had checked the correct box online for additional prepay but the error still occurred. I submitted a complaint to WF and notified them I would submit a CFPB complaint.

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 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was married when the mortgage on my house was initiated almost 15 years ago. Both my husband and I had very good jobs. Since that time, we have divorced, and my former husband provides no support. I have had a change in employment, and I am now XXXX. The net result is that the household has a mere fraction of the income that it enjoyed at the time the mortgage was initiated. 
I have applied for HARP relief twice. Both times have been unsuccessful. I have a slight bit of equity in the property, and although payments are sometimes late, they are current. It is a struggle to make the payments each month, and very stressful. My credit card debt has increased because I have used credit cards to pay household expenses such as utilities and insurance while trying to make ends meet. 
My lender has no incentive to aid with HARP eligibility, because of the existing equity and the up-to-date payments. I have been told consistently that I do not make enough money to qualify for HARP. 
The brass tacks are this : if I make enough money to keep the current mortgage current, why do I not make enough money to pay a lower mortgage? 
I was also told that it would be helpful to my case if I were behind on mortgage payments. While the HARP application worked its way through the system, I withheld payments on this advice. The result is that I was still found ineligible, but my credit score decreased dramatically. 
I seem to fall into a borderline limbo. People who have higher relative incomes vis -- vis the same mortgage payment, qualify for REDUCED mortgages. However, I must endure the higher payments ( currently at 5.5 % ) despite lower income. How is this fair? The HARP program would be a godsend to someone like me and would make a world of difference in my month-to-month struggle. It would seem like I would be the poster child for such a program, yet it remains out of my grasp.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: VT

Complaint narrative:
When I signed up for XXXX I agreed on a one year contract that was what the lady said on the phone with me. I never missed a payment the whole year and when I decided to cancel due to the fact that it kept going down they said I had to pay a fee for not staying with them for 2 years. I called and disputed that till the guy on the phone got very vulgar and demanding.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Borrower paid {$210000.00} for XXXX, GA XXXX in XXXX, relying heavily on market value assigned by appraiser selected by Lender Wells Fargo Home Mortgage. Original mortgage balance was {$160000.00}. Current mortgage balance is approximately {$130000.00}. Mortgagor attempted and failed to refinance principal mortgage balance with Wells Fargo Home Mortgage in XXXX, XXXX and XXXX. Mortgagor invested more than {$50000.00} in property improvements from XXXX to XXXX. Appraised property value plummeted to $ XXXX in XXXX and $ XXXX in XXXX, according to appraisal companiesselected by Wells Fargo Home Mortgage. Mortgagor requested Lender to modify principal mortgage balance by {$40000.00} to offset hefty market-driven decline in property value. Lender declined. Mortgagor requested Lender to provide copy of original XXXX Application signed in XXXX. Lender could not provide copy of XXXX Application signed in XXXX. Mortgagor has been advised by other lenders that existing mortgage loan is non-conforming and is not owned by XXXX or XXXX XXXX. Wells Fargo Home Mortgage did not disclose to Mortgagor that loan is non-conforming and restrictive. On XXXX XXXX, XXXX, Wells Fargo Home Mortgage XXXX, GA branch Home Mortgage Consultant XXXX XXXX XXXX ( XXXX ) informed Mortgagor he had checked with his supervisors and learned mortgage loan is HARP eligible. Mortgagor requested HUD-GFE disclosure for HARP refinancing. XXXX XXXX XXXX sent Mortgagor XXXX Application that contained factual errors and disclosures for a Conventional refinance -- not HARP -- with interest rate of 4.625 %, and estimated closing costs of {$3300.00} that included appraisal fee of {$430.00} for Lender 's benefit only. Requested documentation was extensive, even though Mortgagor has a current FICO score of XXXX and more than 12 monthly payments in reserve. Every time Mortgagor contacts Wells Fargo Home Mortgage for copies of loan documents and resolutions, a different Wells Fargo Home Mortgage representative responds with dismissive rhetoric stonewalling requests and resolutions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Windham Professionals, Inc.
State: OH

Complaint narrative:
I am about to get garnished through a company where i have sent in all my documents so they can not garnish me. But they are sending me to fake websites like its the federal government loans but its not. Its fraudently sending me to a website like its the federal student loans and they are not. I asked for a hearing and have not received one just more threatening letters about garnishing my money. I can not afford to pay them right now i am trying to get back in school but the way they are treating me without working out any payment plan nor would they allow me to add them to the consolidation loan which i am waiting on answer from them and its been over 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have not been able to find out any information on my mortgage account for years. 
Every time I try to speak to someone to someone At Wells Fargo concerning my account they give me a story. They say I am in litigation of someone else is on my account and they ca n't speak to me. They have had me locked out of my account for years. I have been served with foreclosure papers, but Wells Fargo would not allow me to qualify for the needed help.

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 2016-11-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I want to file a complaint about Wells Fargo. I do not recall ever opening the account for the XXXX XXXX Credit Card, which leaves to believe i was one of the victims of their scandal. Because I am afraid of the damage that would be inflicted on my credit report, I have decided not to close the account at this time. Instead in recent months, I have decided to start using this Credit Card. In addition to the complaint that I want to file for them opening an account in my name without my consent. I want to compain about how unsatisfied I am with the service of this account and want to express my displeasure with them as they have not responded to my direct inquiries. The credit card in question takes approximately 3-4days to post a transaction, which I believe is completely unacceptable and believe it is a huge security risk to my account as I am unable to monitor transactions as closely. For example, if I were to use my Wells Fargo debit card, it is almost instantaneously posted to my online profile as a " pending Transaction '' I should expect the same kind of fast service with this other credit card. I hope this gets fixed immediately!

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