vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Case # XXXX Ref : XXXX XXXX DISPUTEIn response to XXXX XXXX Executive Mortgage Specialist for Wells Fargo. After doing a lot of research, hence my delay for getting back quicker. I have to say that XXXX XXXX did not include all the correspondence that I have received from Wells Fargo. She failed to include the letter dated XXXX XXXX. XXXX and another dated XXXX XXXX,, XXXX, the letters included in HER response dated XXXX XXXX and XXXX XXXX, XXXX were not received by me, and looks like they were computer generated letters. She also did not answer my complaint about XXXX XXXX XXXX foreclosing my property in violations of NOTICE TO MITIATION CONFERENCE PURSUEING RHODE ISLAND GENERAL LAWS & XXXX, which states the NOTICE must be mailed no later than 60 days of the sale Date. Enclosed is a copy of Chapter XXXX Section XXXX XXXX XXXX XXXX ( RI ). First notice was sent on XXXX XXXX and XXXX Notice on XXXX XXXX. I am also attaching all the correspondence and the monthly financial worksheet reflecting my monthly income and expenses ; the modification that was awarded on XXXX XXXX, XXXX was a standard modification and by HAMP guidelines if the first modification fails I should qualify under the HAMP Program, also my circumstances changed as I got divorced on XXXX XXXX and was a loss of income. Once again, I want to thank you very much for your assistance in this matter. I definitely do not want to lose my property and its bad enough my tenant is being harassed by XXXX XXXX XXXX who continues to come to the property attaching letters on all doors. I hope this matter will be resolved in good faith, so the foreclosure can me recinded and I can be approved for loan modification and go on with my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My home loan has been categorized as a Veterans or VA loan. 
I am not a Veteran. I have never served in the United States military. I did not sign a VA loan, nor have I ever submitted documentation to Wells Fargo that I am or have served in the United States military.

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 2016-08-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo holds the servicing rights to our mortgage, but is failing to fulfill the government 's requirements when it comes to properly servicing our loan. My husband and I have had an extremely difficult time obtaining fair and equitable assistance as Wells Fargo has completely turned their backs on us. They once offered us a loan modification, but the payment was unaffordable and we are uncertain how they came up with the offer. There was no way they derived the modification from any numbers we provided and, since that time, our efforts to engage their Loss Mitigation Department has been a futile exercise. Their representatives are nice, but it appears as though they are just going through the motions to get through their day and really do n't care if we lose our home to foreclosure. My husband and I built our home in XX/XX/XXXX and put over {$600000.00} of our own money towards the construction and financed another {$600000.00}. Everything was going along fine until my husband 's business had a warehouse fire at the worst time in the economy and his income never recovered. At about the same time, my work started to slow down due the downturn of the economy ; ultimately resulting in me losing my job. We burned through our savings to keep up with the mortgage payments while we struggled to get back on our feet financially. At this time Wells Fargo made their offer, but it was impossible to make the trial plan payments. Also, I have been unemployed for awhile, but our loan has never had a review for the Unemployment Program that the Obama Administration put into effect XX/XX/XXXX. Wells Fargo dropped the ball on the modification offer, on the Unemployment Program review and thus, we believe we will lose our home to foreclosure. If we were able to get into the Unemployment Forbearance Program, it would buy us time to negotiate a better settlement with our loan as our future income picture looks a lot brighter. Currently, we have sufficient income to afford a reasonable modified mortgage payment and Wells Fargo should open a review for assistance based on our current situation ; my unemployment. We are certain this matter can be resolved if Wells Fargo took a look at our situation and follow the guidelines set by our government.

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 2015-08-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I applied Wells Fargo XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX, 2015, and got declined due to less of relationship with Wells Fargo. I do n't understand why no prior business relationship could be a credit card application decline reason. My interpretation of this credit decision is trying to force consumer apply their other products first to be eligible for their credit card approval. ( for example, banking accounts, etc ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I feel hopeless now knowing that I will most likely lose my property in XXXX since Wells Fargo can not stop the foreclosure scheduled in XX/XX/XXXX of this year. I have to work nights and days to keep up with my bills especially my mortgage. The last time I spoke to XXXX XXXX, Wells Fargo rep, they are still working on my case. Almost every week I am getting a letter postponing the resolution of the issue. I have a pile of correspondence with this bank. Yesterday I got a call from XXXX with no result except to call me today. I bet it is to tell me that they are working on the problem and they will get back to me in XXXX weeks, which is going to be the foreclosure date. 
Investors can not stop calling me. A month ago, Wells Fargo wanted my lawyer to help them out because obviously they can not solve the problem. The thing is I explained to Wells Fargo from the get go what was the problem. I am very specific but instead they keep on lying to me. They tried to play all sorts of tricks with me and right now who is the biggest loser? Me, the little guy like always. 
Wells Fargo makes things so difficult for customers even to leave a message for their reps it is a burden. They have XXXX digits for extensions. When you speak to these people they give you the impression that their bureaucracy is very intense. You will never be able to speak to the main person. NEVER! There is always a middle man. I do n't have anything against XXXX ; she may be a wonderful person. But she can not make any decision in this matter ; she just transmits someone else or a group of people words. Their lawyer suggested me to hire my private attorney when by having a mortgage with them, they suppose to defend. Guess what one of the investors told me Wells Fargo is the one whom filed a lawsuit against me in XX/XX/XXXX in order to register the deed. Their lawyer told me they had to do it because I was complaining about it. Right now I am desperate because in XXXX days that is the end of my property ownership because Wells Fargo is careless and negligent in conducting business with me. Noone in there wants to correct their mistakes. I also spoke to their attorney, whom refused to help me stating she is representing Wells Fargo and that I need to look for my own attorney. And I had to, in the name of XXXX. Now they do n't want to pay for the legal fees. It is unbelievable.

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 2016-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Windham Professionals, Inc.
State: NC

Complaint narrative:
I signed up with XXXX University on line. Told my student advisor I was XXXX and suffered XXXX. Was not sure if i could handle the pace. XXXX XXXX, Advisor, told me verbatim, " No worries, if you find you ca n't handle the program you may quit any time and only owe for the time in the program ''. I was on line 3 weeks and emailed her it was too much. She replied, " Okay, i will put you in for a resubmit for next semester '' I told her, " NO! i do not want to continue '', she resigned me any way and now they have been trying to collect for 2 full semesters. I am on XXXX and barely paying my living expenses, I can not repay this loan, and I feel I owe then nothing, period!!

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 2015-04-16 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Alliant Capital Management LLC
State: CT

Complaint narrative:
The lender did not credit my account principal with any portion of the payments that were made. I found this to be very strange. I continued to make payments and my principal balance went unchanged each time. The principle balance was never credited, not XXXX cent. I began to do research and learned that XXXX offers payday loans that are n't enforceable in the state of Connecticut. This type of loan is illegal in the state of CT and Alliant Capital Management is attempting to collect on a prohibited high interest installment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo bank is continuing to attach late fees onto my mortgage each month for a single rolling 15 day late payment on an amortizing negative amortization ( the only amortizing " bi-weekly '' neg am '' loan in the market at the time we got the mortgage, which was over 5 years ago and originally initiated by Wachovia Bank and purchased by Wells Fargo ). This late payment happened more than two years ago. In essence, they are compounding monthly interest on that single rolling late. I already know this is an illegal procedure. In addition, my loan " note '' calls for a grace period on the mortgage payments which are due and payable every other Friday. According to a report from my employer which is a large national mortgage company, Wells Fargo is recently reporting late payments to other lenders and major credit bureaus that I 'm working with. Our mortgage payments are not late which we can prove because we pay everything electronically. This too is completely illegal and an attempt to hold me in a predatory loan by preventing me from re-financing out of it which is what I 'm attempting to do and will do in spite of this horrible banks shenanigans. Wells Fargo is the most despicable organization on the planet in my opinion and worse than XXXX in my opinion because XXXX at least claims to have a cause that is not tied to " make money at any cost '' as its sole motivator. Additionally, I would urge anyone in the country with a Wells Fargo mortgage loan to demand a written payment accounting from Wells Fargo and to assess all late payment charges if they have any. 
Update : I went to Wells Fargo Bank and they admitted they were not aware of my loan note requirements. They stated they would stop accruing late charges and would follow the loan note mandates and call me to rectify. This was one week ago and so far, I have not heard from anyone at Wells Fargo that has promised to keep me updated, including the Wells branch loan manager who also promised to e-mail me an update.

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 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I am following through on filing a XXXX complaint against Wells Fargo after speaking with XXXX of CFPB and letting her know that there is no legal aid for the County of XXXX where I live. I let her know that Wells Fargo has sent me a letter dated XXXX XXXX stating that " [ we ] do not meet the requirements of [ the loan modification ] program because the loan modification is not signed. " We have contacted Wells Fargo several times to amend a modification that uses employment data instead of unemployment data. On XX/XX/2015 I spoke with XXXX XXXX XXXX She gave me a fax number that did not work when I tried to use it to submit another attempt to clarify what was happening with my XXXX mortgage. On XXXX/XXXX/2015 Wells Fargo employee XXXX XXXX was contacted by us via telephone to verify which funds and the check numbers of funds she was applying to our XXXX mortgage account. She could not give that information. XXXX XXXX was asked to verify if any paperwork that she had showed that we were employed. She could not. XXXX was then notified that we were being blocked from accessing our account online. She indicated that the property did not have a sale date. We discussed that I would continue to send in both the modification and forbearance payments. She indicated that they would most likely be sent back to us. At no time did she indicate that Wells Fargo had been trying to contact us or that she had any additional information to share with me. 
We also let XXXX XXXX know that since Wells Fargo is unable to correct the financial information on their end, we will submit a new application for a modification based on employment. 
Another company, XXXX, gave our information to XXXX. A representative, XXXX XXXX called me on XX/XX/XXXX. We were told we did not need to pay any money. XXXX then told me that Wells Fargo will not allow them to help us. XXXX XXXX called on XX/XX/XXXX and stated the she as XXXX, however she could give me a XXXX time counseling session.She would take my timeline and write a summary for wells Fargo and I was not allowed to have access. 
We contacted Wells Fargo on the XX/XX/XXXX ,XX/XX/XXXX and XX/XX/2015, however Wells Fargo XXXX latest response was that " [ they ] have been unable to establish contact with [ us ] .... ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Trying to modify loan which they are refusing to help with

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
WF admitted their error of not attaching the six-month 5 % Grocery/Gas/Drugstore bonus in the attached response to our original CFPB complaint dated XXXX XXXX. 
Subsequently, they did nothing to add the 5 % back to our account. So they are simply lying to their customers!! They did not provide a direct number to XXXX XXXX XXXX for us to follow through, either. 

We demand that the six-month 5 % promotional bonus be added to our account 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 non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealership Services has not sent the credit bureau 's information saying that my loan with them has been paid off. I have been disputing late charges that they think I accrued to the amount of {$390.00}. I have paid the principle of my loan off and they are holding my title because they think I owe them Late Charges. On top of it they are telling the credit bureau 's that I still owe {$1.00} and now have been given a 30 day and a 60 day late charge on my credit. Is this legal? 
I have been unemployed for the last 6 weeks and I am applying to government agencies that look at credit reports. This could and may effect my hiring with an agency. Every time I call the person says they can not help me, then they transfer me to someone else that says that they can not help me, and then I reach someone that said he would call me back and never does. The last person that said that was from the number XXXX XXXX ( XXXX ). 
I do n't believe I owe the amount of Late Charges and I have called to negotiate but the people I keep talking to say they do not have the power to do so and will not let me talk to someone that has the power. I have paid my car off, I deserve my title, and my credit should not be affected by so called Late Charges they are accusing me off. 
I have attached my bill for this month of XXXX for you to review. In the description box it says I owe {$390.00} for Late Charges, Current Payment Due {$3.00}, and my Loan Balance is {$1.00}. I DO NOT owe anything on my loan, it is paid off, they are lying. 
Please look below the Description box and it says in bold, " The Total Payment Due includes Past Due Amount of {$0.00} and Late Charges Accrued of {$390.00} due immediately. I have no past due amount yet they are saying I owe a dollar at the top. My loan is paid off and they are ruining my credit to try and get me to pay them fees I do not believe are correct at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
Had an appointment with XXXX XXXX and was told my insurance covered all work done on that visit. I received a bill for XXXX {$170.00} and continued to dispute with XXXX XXXX. Spoke with a representative at corporate and they were supposed to contact my insurance company and get back to me. Today on XXXX/XXXX/2015 I received a call from a XXXX party debt collector, Budget Control Services. From there I called XXXX XXXX and they are looking back into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I pre qualified for a XXXX loan from wells fargo on a home loan. The house appraised out at XXXX the XXXX mortgage is XXXX, leaving me with XXXX in equity. I am XXXX years old with a credit rating of XXXX. I was jumping through hoops and can document why for this loan. I was ultimately denied because " I do not have enough in savings '' I know it has to be age related. I feel discriminated against ... because anyone with common sense would know that XXXX XXXX still leaves a considerable amount of money on the table.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited {$1000.00} into my checking account. I am a multiple times per day user of the Wells Fargo app, which I use to verify funds availability for my purchases. I made a string of purchases with my money, checking each time a transaction went through, and proceeded as normal. On the morning of XX/XX/XXXX I awoke to find XXXX NSF fees on my account. 

When I approached the teller at the XXXX branch on XXXX, I was met with a very rude woman who refused to help me in any way. She told me to call the XXXX number on the back of my debit card, which I did numerous to no avail. I then went to the branch on Vermont and spoke with a assistant branch manager who again was rude, but reversed XXXX of the fees, and stated he could do no more. He again directed me to the XXXX number. 

My account is now balance is now in the negative by {$550.00}. This is an absurd amount, as I WAS NEVER OVERDRAWN TO BEGIN WITH. Wells Fargo has used manipulation of how they post charges and deposits to my account in an effort to increase their bottom line. I refuse to put money into this account until they make it right and remove these fees ; consequently, they are once again trying to put through charges and now I am at a loss. They are destroying my life and they could care less. 

This is precisely the behavior that led us into a recession in 2007, and they are still at it today, as if nothing happened. Worse, they are discriminating against me due to the tyoe of account I have. They are criminals, and they need to be held responsible for their continued unscrupulous behavior.

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 2015-05-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I just learned today from a XXXX XXXX XXXX XXXX that there is a XX/XX/XXXX law stating that credit card companies have to give you the option of freezing your account at the current interest rate before raising it. Wells Fargo did not do that for me in XX/XX/XXXX, instead just arbitrarily raising my rate from about 12 % to 30 %, where it has been since. Had they given me that option, I would have frozen the account and it would be paid off today as it has a limit of {$2500.00}. When I left a message for my banker about this, I got no response. 

I recently got fired because I XXXX in the work place and I can not pay my rent, let alone a credit card bill. I need help. The fee for the " non-profit '' counseling center Wells Fargo sent me to is higher each month than the 30 % interest!

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