vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am have the power of attorney on my mom 's finances and due to her health issues she has fallen behind in her property taxes. We have been working with her reverse mortgage company Wells Fargo. In XXXX of last year they paid the delinquent taxes and contacted me. my first contact with them was fine. They said to pay back what you can to reduce the amount. We began paying them and the following XXXX, I was contacted by a new agent there who said that they could put my mother on a payment plan but needed to know her budget and expenses. She was to contact me the following day so I tried to contact her and could not. During the months of XXXX and XXXX, I made multiple attempts to contact her or anyone at the call center. Anyone else that I spoke with said that I would need to talk to my assigned agent. She finally contacts me in XXXX stating that they paid the taxes again and now my mom owes double the amount. She also stated that because of the amount due, we can not put her on a repayment plan. We would have to come up with the full amount or HUD will foreclose on the home. This for a balance of {$3500.00}. We have continued to contact them but they do not return calls nor do they seem willing to answer questions. We are reaching a point of frustration and will continue to call but we are afraid that my mom will lose her home and be placed in a long term care facility. We are prepared to send them a {$1500.00} payment in XXXX but we are not sure if the house will foreclose, if so, we do not want to give them that money. Mom just has Social Security and has no additional assets. Wells Fargo does not seem to want to help us in anyway.

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 2015-11-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In, XXXX, I had my XXXX XXXX XXXX repossessed. Wells Fargo Dealer Services let me know I was almost 2 months behind in payments.I had discovered that I had missed a payment in XXXX, when I was in XXXX XXXX, tending to my terminally ill father in law, who passed away in XXXX of XXXX. I was unaware of this until my car was repossessed. My husband immediately paid the {$1500.00}. which was due, withing a day, and the car was returned to us. After that, we continued to make our payments, until it was finally paid off in full in XXXX of XXXX. I do have the title in my possession. Recently I started to clean up my credit, in order to purchase a home. We recently found that this repossession was on my credit report, and also says {$10000.00} is still owed, which it is not. My husband called Wells Fargo, to get this taken off my credit, but was told that we couldnt, because my husband filed a bankruptcy. Creditor refuses to update trade line to show paid in full.. My husbands name is XXXX XXXX , and I am XXXX XXXX .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has been my mortgage carrier since XXXX. I have a conventional, fixed rate mortgage with PMI. I am now trying to cancel the PMI as I know the cost of my home increased. I applied for the PMI cancellation and paid for an appraisal from the Wells Fargo approved evaluator, XXXX XXXX. XXXX conducted the appraisal on XX/XX/XXXX and responded via email on XX/XX/XXXX with the result ( see documents attached XXXX. According to XXXX XXXX my home value has increased and the amount assessed qualifies for PMI cancellation. Wells Fargo is not approving the cancellation until after my 2 year mortgage closure on XX/XX/XXXX. According to Wells Fargo, my investor, XXXX XXXX, requires appraisal value only on terms of structural improvements. Please see page XXXX as the communication is contradictory. I 've spoken to a representative and manager at Wells Fargo already. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is the lender of this private student loan. The lender had been informed of my financial hardship for over 12 months. They had denied consolidation, lowering monthly payments, and finally when they offered a forbearance, they mentioned that I had to pay three months of on-time minimum payments. I have student loan debt that is triple my income. In monthly payments alone, a total payment equaling {$1300.00}. I had been through periods of time not receiving timely paychecks due to a public service related job. The three months of payment would have been fulfilled to receive the forbearance, but Wells Fargo failed to inform me that the payment was short of {$67.00} to fulfill the three month terms and receive forbearance. It was less than 24-hours from the time the payment was attempted to be made to the time the loan went into default. The statements always mentioned only the past due amounts and did n't clearly state the minimum payments. When I addressed the issue with Wells Fargo they were rude and aggressive. There were no options to reverse the default. They ruined my credit for over a year without assisting in any manner. The supervisor ( XXXX ) in the recovery department harassed me and treated me with no respect. I have countless records of trying to request payment assistance from this corporation. They also told me they reviewed my income and expenses but when I told them my expenditures for groceries and gas to carry-on my job, they told me that those were n't essential to determining sufficient payment.

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 2016-09-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau ; I had 15 months of unemployment from XXXX XXXX until late XXXX XXXX. During that time I had a period when my unemployment ran out. We contacted our mortgage lender Wells Fargo. They offered us a hardship and told us to pay {$25.00} a month ; when I got back to work, they said they would work with us to modify the loan. Late XXXX XXXX, I went back to work. When I started to receive paychecks, my wife tried to make a house payment. We were locked out. We could not make any payments. My wife contacted Wells Fargo. They said we had to wait for them to re-assess us. We were told to keep paying the {$25.00} a month until that assessment was completed. We did as they instructed us to do. Once the re-assessment was done, we were told to pay {$18000.00} or the house goes into foreclosure. We appealed and were denied. With this process, XXXX times we were required to fax in my pay stubs. 
I make {$42.00} per hour. If I only worked 40 hours a week, I would gross {$6700.00} in a month. Their calculation came back with my monthly gross being only {$3400.00}. They said I do n't have enough income. That 's not true, besides the fact that I have been working a lot of overtime. I do n't have {$18000.00}, but if they would take a reasonable sum, I would do it. 
They wo n't work with me. They have taken over a week to get correspondance to me that would help us apply for a loan with our credit union, and still can not tell me when to expect those necessary documents. We were not properly informed that at the end of the hardship, they would be foreclosing on our home. 
We are a family of XXXX. We have XXXX little boys ranging in ages XXXX to XXXX. XXXX of our sons is XXXX. We do n't want our sons to lose their home and leave their school. 
We just need Wells Fargo to work with us. We have about {$120000.00} of equity in our home. I 'd refinance out of this, but during the hardship I have marks against me that I 've missed payments and my credit has fallen to XXXX. My wife 's credit is better, but she does n't have any current income. 
I can pay extra on my house payments. I could give them a lump sum of {$5000.00}, as well. If doing the hardship they offered means automatic foreclosure, I think they should have made that clear. I want to pay on my mortgage and get caught back up, but they wo n't accept anything except the {$18000.00}. That 's a lot of money for someone who had been off work for so long. 
Sincerely, XXXX 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 2016-03-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Windham Professionals, Inc.
State: GA

Complaint narrative:
Windham and Associates is the collection agency for my federal student loans which are currently being paid but in default. The company offers me no other alternative but to pay the balance in full to bring the loans out of debt. Is there no other solution to this issue? I am a XXXX, at one time the payments were made on time until I was laid off from XXXX for one year. Now, I can not purchase anything and feel trapped all because I wanted an education??

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 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
When reviewing my credit report, I found derogatory information entered by Wells Fargo Mortgage. 
My Wells Fargo business checking account is linked to my Wells Fargo Mortgage account. Because the XXXX accounts are linked, I am able to make a mortgage payment directly from my business checking account. 
I also have a Wells Fargo personal checking account and have a monthly mortgage payment auto-draft on the XXXX of each month. 
I elected to pay my XXXX XXXX, XXXX using the business account, which allows me to transfer money to the mortgage. 

Wells Fargo still drafted my personal account and did not recognize the payment had been made via my business account. 
The transaction to my personal account and overdraft fee was reversed by a customer service rep after I called to complain. 

This should have ended the matter, but, it did not. 

I complained, in writing, to the bank from XXXX XXXX through XXXX XXXX, even sending documentation from my business account showing the transfer. There reply was that the transfer was incomplete and the transaction was reveresed. 
If the money was in the bank and they could see it was being transfered, this is not a " non-payment '' matter, this is an electronic banking transaction matter. Secondly, why did they refund the money taken from my checking account, including the overdraft fee, if they did not recognize there was a problem? 

Wells Fargo simply sent " pre '' populated form letters and filled in information unrelated to the problem. The form letters repeatedly focused on a " late payment ''.

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 2015-09-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is at it again with it 's XXXX discriminatory attempted extortion XXXX!!! I have received a notice of intent to foreclose ( attached ) on my property for NO apparent explanation after paying my monthly mortgage payment on time every month, and Never 30 days or more late. Even though with Wells Fargo fully knowing that I have a negative amortization toxic XXXX PICK A PAYMENT loan that they continue NOT to provide a new revised loan on because I 'm a XXXX, as their representatives in Texas have personally verbally said before, and they want to take my property!!! All of a sudden have changed the monthly mortgage amount unbeknownst to me, nor has any document communication stating any change has been provided to me in writing as a consumer regarding the monthly payment amount. Attached are ALL monthly payment receipts that have been made, and the last PICK A PAYMENT statements breaking down the payment options, and monthly amounts due per each XXXX UP option .....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I applied for a home rebate credit card with Wells Fargo to accept a 0 % offer and accepted a balance transfer offer included in that. Upon receiving my card the balance transfer was not processed. I proceeded to complete it online with no complaints, but then inquired via phone first to ensure that my balance transfer would apply towards my home rebate offer. They confirmed it would not so I explained that I would not want the balance transfer to be processed. The representative assured me there was no balance transfer processed on my account, however days later I learned from my limited available credit they had processed a balance transfer to my other credit card. I called and advised I would need it reversed as I had not authorized it, or if so had expressed that I did not want it as they did not advertise that balance transfers were not included in the offer. They also had charged me a fee that I was requesting to be credited. Wells Fargo representatives informed me I would need to proceed with a fraud claim and be issued a new card and that would cancel the balance transfer made on the old card. I did that waited XXXX days to get my new card and the balance transfer amount of XXXX had been credited back on my card, but not the fee. I called again, and was told it can take 7-10 more days and I would need to wait. I did, however in the mean time I checked my account because I had made some rather large purchases and discovered not only had the applied the balance transfer fee again, but I now ( because of my purchases was massively over the credit limit ). I called again and this time was told I needed to contact my other credit card company ( XXXX XXXX ) because there was now nothing we could do. XXXX XXXX stated that they could have reversed it, but it was a small window, and the fact that Wells Fargo had given me the runaround for XXXX weeks, that window had passed. I called Wells Fargo again, where I was hung up on after requesting for further management to resolve the issue. I do not want my credit negatively impacted nor do I want to have the balance held with a company that does business like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
my spouse 's name must be removed from the credit documents as he does not own this property and by his execution of same it would give him an interest which he has already waived by execution of the Quitclaim Deed

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 2015-05-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I fell behind with my mortgage payment with Wells Fargo because my income has dropped by 20 %. also my expenses have increased. I have XXXX children in colleges. I am trying to provide them with the best education for their future. I tried to apply for loan modification several times with Wells Fargo. The XXXX time I was denied because the investor does not participate in HAMP. I filed a complaint with Attorney General. I was asked by Wells Fargo to reapply for modification. I applied again in XX/XX/XXXX I was approved for XXXX trial payments XXXX and XXXX trial payments were {$2600.00} but XXXX trial payment was in the amount of $ XXXX I ca n't believe they had the nerve to offer this deal to us- We do n't have that kind of money - We reapplied in XX/XX/XXXX was denied because they do not have the contractural authority to modify your loan because of limitations in their servicing agreement. Attached is both the approval and the denial letter from Wells Fargo. I strongly feel I am being treated unfairly by Wells Fargo and XXXX ( the investor ) - I am asking for your help to find some type of solution to save my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
They have this account listed as a charge off and it was a settlement. My former attorney settled on this account and part of the settlement was my credit was not to have a negative and be cleaned up. The bank is Wells Fargo. This was a credit card that originaly was in dispute for charges that should n't have been on it. My attorney won and settled with Wells. Again this account is settled and is listed on my credit report as a charge off, therefore hurting my credit when it should n't be. This is wrong and needs to be corrected. I do not have the last XXXX digits of this account, it has been closed a long time, but I can give you what is listed on my credit report. XXXX is the account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I paid my mortgage down to XXXX % XXXX, I sent payments to wells fargo as they requested, I sent wells fargo a copy of a certified appraisal, my property appraisal is XXXX and my mortgage balance is currently XXXX that puts me at XXXX in equity. 
wells fargo refuses to return my calls, i faxed to wells fargo a written letter to cancel PMI. 
I electronic transfer payment from my bank and it has been tasking over 10 days to apply to my account. 
they keep asking me for more money and they keep sun I feel they are violating the homeowners protection act they keep giving me the run around

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 — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, thanks ahead for your time reading this message I believe my line of credit was denied base on the amount of fund. First, Wells Fargo could not convince us to transfer our auto loan onto the LOC. They will have to reduce our LOC from {$20000.00} to {$10000.00}. Since they do n't make much money for any loan amount below {$12000.00}, the treatment of the loan was totally different from the earlier stage of application. It seem like they were forcing us to quit with the process, since they are not going to make much money. After XXXX months of submitting them every little piece of financial information that they needed, Wells Fargo rejected my loan application based on my loan to debt percentage. 
All of the information that they needed to determined this loan to debt ratio was provided for them from the beginning stage. How much we make and how much we owe could have been picked up during the initial application process. Our point again, Wells Fargo was forcing us to quit with the loan since the loan amount was small. At the end, Wells Fargo denied our application of a very weak basis that they have not explained in writing. 

We have tried to contact our loan processor, but our email was ignore. We were asking on the information that they used to determined my loan to debt ratio. We figure with our salary of over {$100000.00} a year, a mortgage less then $ XXXX, {$200000.00} equity line, we could afford another $ XXXX payment for the LOC of {$10000.00}. Apparently, not!

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 2016-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My card was lost and I reported it missing with my bank. They did an investigation and first gave me the payment then made a decision to reverse charges. These are charges that I did not make during the time my card was missing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation