vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I took out a XXXX interest credit card through Wells Fargo to purchase an engagement ring for my fiance in XXXX. I paid off the ring and had a zero balance as of XXXX XXXX. I also purchased our wedding bands with this Wells Fargo credit card in XXXX XXXX. I never once missed a payment and over paid the minimum payment every time. As of XXXX XXXX my balance was {$630.00} when I received a bill of {$1300.00}, with a charge of {$720.00} in interest charges. I immediately tried to contact Wells Fargo and when I called the XXXX time was placed on hold for over an hour and then transferred to a woman who would not help me. I tried to call back XXXX more times to get in touch with someone who could help me to sort this out. Finally I went to the Wells Fargo branch on XXXX in XXXX, PA and I was told they have nothing to do with credit card services. The next day I went into the Wells Fargo branch on XXXX and XXXX and again no one could help. I tried to explain both over the phone and in person I could and would pay the balance of {$630.00} off immediately. I had no idea they could or would be able to charge me more in interest than my remaining balance on the credit card. I never received a notice that I was going to be charged interest, if I had been notified I would have immediately paid the balance. After numerous attempts to contact Wells Fargo with no success I had no choice but remit total payment of {$1300.00} ( cc remaining balance - {$630.00} + interest- {$720.00} ). I still can not believe a credit card company could charge more in interest than your balance and not notify you that you are going to be charged. If I had known I would have paid the remaining balance off immediately. It was very frustrating that I could not contact anyone at Wells Fargo to dispute these charges. Again I never missed a payment and overpaid every month. I think Wells Fargo has taken advantage of me and forced me into a {$720.00} interest payment without warning me this was a possibility or that the XXXX interest terms would be ending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My husband and I are unable to work due to an extreme illness. Unfortunately, were unable to keep our home so we listed it for sell with XXXX XXXX XXXX XXXX. Due to the distressed condition of our home, and not able to pay for repairs, we elected to pursue a short-sale. However, my lender has delayed this process for nearly 8 months and still have n't approved it as of today. My Realtor has presented an offer that complied with the market value of our home. The negotiator for the lender will not return emails nor phone calls to update us with a status. We have reached out to their supervisor only to get the same results no response. I was told the contract presented to the lender for short-sale approval has been accepted, and will be submitted to hud for approval of low net based off of FHA guidelines. We have been neglected and very disappointed and stressed due to being treated so unfairly by our lender. I am not sure why this happening, but I am beginning to draw my on conclusion for such unprofessionalism and rude behavior toward their borrowers in such a very distressed and sensitive time. I desire our lender to provide the services that are available to us without prejudice or judgment. Please 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 2016-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, Our house was flooded by the XXXX XXXX in XXXX TX XXXX on XXXX XXXX we had XXXX inches of water in the house, all our things were destroyed. We were rescued Monday XXXX XXXX. we are very grateful for the help of friends, volunteers and our local contractor who have worked hard to preserve the house. we have spent savings and used credit cards to initially pay for material and labor to start fixing our home. We received our flood insurance check from XXXX on XXXX XXXX. the check was jointly made out to myself and Wells Fargo. We have been to Wells Fargo bank two times with all the requested documentation and spoke to them on the phone XXXX and have still not received any money from Wells Fargo, just delays and requests for more paperwork. we have had to stop work and have to send the contractors home. My wife had XXXX on XXXX and my daughter had XXXX on XXXX for XXXX. My wife and I have been living in a trailer. we have explained this to Wells Fargo and begged for our money. we have received none, just a run around. Can you Please help? Thank You 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 2015-12-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc.
State: FL

Complaint narrative:
I do not understand that I owe any Debt to the University ... I never attended any courses online.. The School needed at least 2 Months to get me in the Class and I declined ... .It never got that far ... I returned the books they sent out and never matriculated into anything with this university. Why is there a bebt on my credit report for this University. I have no start date and no end date with this School. So can they remove my so called debt from this credit report? 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I just called Wells Fargo bank Personsl Line of Credit. Tried to make a payment of {$360.00}. XXXX XXXX was rude and would take my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
MY NAME IS XXXX XXXX, XXXX EXECUTOR FOR THE ESTATE OF XXXX XXXX # XXXX wells fargo servicer has repeatedly stone walled any attempts by me to access their policies and programs related to regulation z dodd frank successor- in-interest. I am the heir and successor-in-interest to property left to me by my mother. I have contacted wells fargo numerous times about being placed on the mortgage loan and allowed to make payments they have continued to try and force me to do a modification, refinance or assumption. i have provided them with documents from the CFPB that explains the successor-in-interest, they have ignored this information and continue to try to subject me XXXX.. I am asking CFPB to demand/command wells fargo explain why they say these policy and procedures dont exist.They have caused a significant financial burden and lost of time trying to deal with a organization that intends to wait me out and foreclose on this property. My complaint is simply that wells fargo is using lies and deception to steal my property. refuses to acknowledge regulation z/ successor-in-interest XXXX rules regulation as of XXXX/XXXX/2014 says there are no procedures for anything from the CFPB, SAYS THEIR LEGAL DEPARTMENT has no such knowledge of any federal legislation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am only within 10 days late of my auto loan and I have been harassed non-stop every day. I receive calls at least four times a day, every day. I will never accept an autoloan with them again

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 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife XXXX XXXX is on XXXX and receving Social Security benifits from XXXX. I XXXX XXXX got laid off from my work on XXXX. I recived my Unemployment benfits for 6mo that run out on XX/XX/XXXX. We told our bank WELLS FARGO to help us modified our loan ( espicially bringing the interest rate down from 4.25 % to the current interest rate ) sothat we can save few hundred dollars from our mortage payment which was {$1300.00}. Instead the mortage payment from XX/XX/XXXX went up to {$1400.00}. We gave all tha paperwork the bank requested back in XX/XX/XXXX but they denied our request to modificiation. They say the want to home owners who are struggling to make payments, either by modification or any other possiable way they can help, I dont see any of that happing with us. Please look deeply into this matter and hopefully help us with the whole situation. 

Sincerly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Red Cedar Services, Inc
State: ME

Complaint narrative:
Due to a medical crisis, I used poor judgement and took out an online loan with 500FastCash.com on XXXX XXXX, 2012 in the amount of XXXX. This amount was deducted from my checking account and it was my understanding that this matter was resolved as this was XXXX years ago. XXXX weeks ago, I began receiving threatening phone calls from this company saying I owe them XXXX. I have since moved out of state thus closing my account. I requested a statement from this company and XXXX weeks later I received a statement by email showing ridiculous charges for XXXX years. Although my balance was paid in full, I am told that additional interest was incurred. Additionally, as I had closed my account and transferred to an out of state bank, this company has continued to attempt to deduct funds and when denied as account closed by XXXX Bank, I am being charged for each transmission that was rejected for the last XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
This is my second complaint against Wells Fargo Mortgage. I was told that they increased my mortgage XXXX XX/XX/2016 due to my escrow. I was not informed of this until to day by corporate. My house was put into foreclosure do to this discrepancy in communication on their part. If i would have known XX/XX/XXXX, i would have sent the full amount the mortgage was increased to. They do not seem to want to take ownership of their error. Now i feel my next acton is to retain a lawyer. My last complaint has not been resolved 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 2015-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I had a HELOC loan with Wells Fargo and prior to the end of the draw period I contacted them to convert the load to a fixed rate Home Equity " Loan ''. This was completed in XXXX 2015. In reviewing my Credit reports on XXXX/XXXX/15 I noticed this account was still showing up as a " Line of Credit '' instead of a loan for a fixed amount and is adversely effecting by credit scores because of false " credit utilization '' information this incorrect information is causing. I contacted Wells Fargo on XXXX/XXXX/15 requesting they notify the XXXX credit bureaus of the corrected information and was told that technically this account was still a Line of Credit even though it is not. I explained that the incorrect information was having an adverse impact on my credit scores but was told there was nothing they could do. I advised them that when i converted the Line of Credit to a loan prior to the end of the draw period I was told Wells Fargo representative XXXX XXXX that this account would now show a loan on all my records even though the account number remained the same. This has now proved to be false information. I was told the opposite on XXXX/XXXX/15 by their representative who identified herself as " XXXX '' that made no difference and in fact Wells Fargo discontinued " Home Equity Loans '' in XXXX of 2015??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I purchased furniture from XXXX and all the furniture is broken and defective now. I have n't had the furniture for a year, but the furniture is all broke and defective. I received furniture of poor quality and materials. I was charged {$4000.00} for the future. I sent a complaint to Wells Fargo and XXXX XXXX back in XXXX 2015. I received a letter from Wells Fargo Financial National Bank on XXXX XXXX, 2015, in regards to my complaint. Wells Fargo Financial National Bank informed me, my disputed charge, was valid. Review Consumer Financial Protection Bureau Case # : XXXX. I want Wells Fargo Financial National Bank to issue me a credit of {$4000.00} and send me a new card as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Got a message alert that my phone number had been changed that if I had not done to contact them ASAP with their contact number. Logged into my account my phone number was still the same but noticed my account had been closed and another one opened so I contacted them at the number provided and they could not help me with the new account gave me another number I 'd have to call M-F. They did check my phone number and said it had not been changed. This being WELLS FARGO at their best again switching accounts on you possibly and no notice to the customer as to what is going on. They need to be stopped from this kind of activity. Will try to call the other number this week

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 2015-08-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: North Shore LIJ Health System
State: NY

Complaint narrative:
North Shore LIJ Medical Center ( " NSLIJ '' ) has referred me to a collection agency for amounts that they never invoiced me. 

On XX/XX/XXXX, my daughter had a procedure done at NSLIJ. The billing was processed through our insurance, and we verified our personal information and our insurance information on the day of the procedure. 

On XX/XX/XXXX, I received a call asking me to call NSLIJ. I spoke to a representative of NSLIJ on XX/XX/XXXX and was notified that I had not paid the amount I was responsible for, after insurance payments, for my daughter 's procedure on XX/XX/XXXX. I informed the representative that no invoice was ever sent to me. I also confirmed my billing address. It should be noted that the NSLIJ representative did not inform me that there was any issue with my billing address. 

In the second week of XXXX, I received the letter from NSLIJ dated XX/XX/XXXX claiming that " Despite several bills, letters and telephone attempts we do not understand the reason why this balance is still outstanding. '' The balance noted in the XX/XX/XXXX letter is {$300.00}. No invoice for this amount ( or any amount ) was sent to me following the XX/XX/XXXX phone call with NSLIJ. 

On XX/XX/XXXX, I called NSLIJ to inquire about the XX/XX/XXXX letter. The NSLIJ representative informed me that NSLIJ had been sending notices to an address that I have not lived since XX/XX/XXXX. The NSLIJ representative had no explanation for why they were sending invoices to the wrong address ( and one that I had not lived in for 10 years ) since I verified my address on multiple occasions including ( i ) on the date of my daughter 's procedure ; and ( XXXX ) on my phone call with the NSLIJ representative on XX/XX/XXXX. The NSLIJ representative said they would send an invoice in the mail now. 

Shortly thereafter, I received XXXX invoices dated XX/XX/XXXX from NSLIJ - XXXX for {$300.00} and XXXX for {$230.00}. I paid both invoices in full on XX/XX/XXXX by phone. 

On XX/XX/XXXX, I received a letter from a collection agency - XXXX & XXXX - dated XX/XX/XXXX for {$39.00}. 

It is outrageous that NSLIJ has referred me to a collection agency for an amount that they never billed me. I repeatedly informed them that they never sent me invoices and requested that they send me invoices so that I could pay any amounts owed off of the invoices. They admitted that they were sending bills to the wrong location. They repeatedly assured me they would send invoices to me. They sent me XXXX invoices which I paid in full. Now they have referred me to a collection agency for this amount which they never sent me a bill for. 

I take great care to maintain an excellent credit rating. I do not want my credit rating to be adversely affected by NSLIJ 's mistakes and improper referral of me to a credit agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i received the enclosed package from Wells Fargo flatly refusing to help me in any way shapre or form and still not taking responsibility for there mistakes. 

I asked for modification documents, short sale and deed in lieu 4 months ago, to date i have received nothing, and have been refused any modification any principle reduction without even applying for assistance. 
XXXX owns my loan Wells Fargo services this loan. Without allowing a borrower to apply for these programs without due cause is not legally allowed. Under what grounds are they denying? 

They have yet to resolve the title issues but for the protection of themselves they filed a claim with the XXXX, if they didnt mess up the modification with not properly showing liens i had no knowledge of the modification wouldnt have been allowed. 

I asked for a new Rep since it just felt like the rep assigned is continously stating they did nothing wrong. Well if you did nothing wrong you wouldnt have a claim in with XXXX. and you would be handling my concerns and providing the paperwork for programs that are in fact out there for people in my situation. 

Any thing i have asked WELLS FARGO THEY REFUSE TO HELP OR ASSIST

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 2017-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On the letter sent to me by Wells Fargo on XX/XX/XXXX they state that I was concerned about Late fee and Pay off, those are XXXX items that were not a concern to me. I spoke with Wells Fargo about a missed payment item posted on my credit report for the XX/XX/XXXX payment. I never got any email, letter, or phone call letting me know that a payment was missed or late. I signed up for electronic communication per their advice and should have received something as a reminder for my payment. I changed my phone number online but they state this never happened. 
I spoke with XXXX from Wells Fargo on XX/XX/XXXX at XXXX ( His ID number is XXXX ). I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XX/XX/XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. He also stated ( Per recorded communication ) that a letter should have been sent before the XX/XX/XXXX letter that I received, he felt the letter should have been sent earlier. I also spoke with XXXX ( ID # XXXX ) on XX/XX/XXXX around XXXX and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XX/XX/XXXX. I would like to have them remove the 30 day late notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake. 
This matter has not been resolved and needs to be addressed. 

I have spoken multiple times with Wells Fargo and this issue continues to be dismissed by them. They made a mistake and need to fix it. 
Sincerely

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