vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I obtained a purchase money first loan XX/XX/XXXX, I am the only person on the loan and my partner is on title only. XX/XX/XXXX after applying for a modification I noticed that my documents showed the loan was held XXXX. After applying for the modification I checked at the courthouse and XXXX had transferred servicing of my loan to Wells Fargo. Nether Wells Fargo or XXXX notified us of this action. XXXX held my loan for XXXX years despite not being a loan service. Federal law requires we be notified and to this date that has not taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was never given an entrance exam to start college and I was told to get a private loan. After I used up the private loan they had me take out federal loans. I have asked Wells Fargo to help me since I ca n't afford to pay this loan, they refused to do anything. 

XXXX XXXX, Ohio

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I 'm filing a complaint because of the lack of help and correspondences with Wells Fargo with regards to the Estate of XXXX XXXX XXXX in an effort to submit foreclosure alternative paperwork including but not limited to the completion of a possible short sale of her property in an effort to satisfy her loan obligation. Every time I send the requested documents such as her Death Certificate they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My complaint is focused on Wells Fargo Wealth Management-Trust Department. 
My mother has a trust setup by her Mother in the 1920 's. 
My mother is now XXXX and is not focused on financial issues at this point in her life. She only expects an adequate income to make ends meat from an instrument set up to supplement her income for her later years. 
Wells Fargo has been the corporate trustee on this account for decades. About 15 years ago my brother and I were not happy that there was no account servicing of her trust. No one ever called to ask how she was doing or go over her situation. Her portfolio was in growth stocks and she needed income. We scheduled a meeting to discuss our issues. Representing her in this meeting my brother and I asked pointed questions.Why has there been XXXX communication? Why these growth investments for an elderly lady? Why so little income? Why so many investment managers? 
After silence the management team promised to adjust her portfolio and follow-up. The result of this conversation was a slight increase in dividend income. 
Fast forward 15 years and my mother now has no significant other with the means to financially support her. In the meantime, cost of shelter and goods keep on rising. And during this time status quo on the communication. The Bank never communicated with her, only statements. 
Recently we have resumed discussions again and Wells is very reticent to spend time on this. We are being shuffled through numerous wealth managers. And explanations of the new investment direction we asked for are grinding along at glacial pace and are not clearly explained. 
Her account is not large. But, it is an account in their bank. Are n't we who they should work to make happy? We are not XXXX, does that make us irrelevant since we do not help there balance sheet to the same tune? 
In this day and age you here all the marketing talk about personal service from numerous corporations. Well, Wells Fargo has not cultivated this client relationship with acceptable personal service. 
An XXXX Year old woman living by herself, has a fund set up by her mother in the 20 's and a small Social Security income. This income should allow her to live while not having to worry about eating. 

Please keep up your investigations on Wells Fargo and other greedy corporate entities and do not allow business practices that turns it 's back on the average clientele. 
I would not recommend Wells, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Dealer Services wo n't auto-apply over payment to principal. I just looked and the {$1000.00} check I sent only applied {$900.00}. I included a note asking for it all to go to principal. This morning the guy told me that I have to actually write it on the check for them to apply the payment to principal. So once again our money has been sitting in a prepayment reserve. And now it 'll take 2 more days for the funds to be moved. Each time I call about this it is a different procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
In 2013 I paid my debt which was to Cash Net USA however they sold my account to a XXXX XXXX XXXX company and they are still trying to get money and are still reporting that I owe them money even though the debt has been paid. Here is what they sent me '' As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX " The information they are reporting is inaccurate has the debt has been paid as of XXXX XXXX, 2013.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wellsfargo delayed processing of smaller transactions in order to allow a larger XXXX to post and cause XXXX additional overdraft fees instead of XXXX. This means I 'm getting billed {$140.00} in fees instead of {$35.00}. The XXXX other transactions were all under {$10.00} each.

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 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, I had gotten behind on my mortgage in XX/XX/XXXX, due to some unforeseen family expenses. I called Wells Fargo and set up a repayment plan to bring my mortgage current. After three months and speaking with XXXX different Wells Fargo Representatives ( XXXX XXXX & XXXX XXXX ), I was advised to discontinue the repayment plan and submit an application to be reviewed for a loan modification. Following their instructions, I submitted an application for loan modification discontinued the repayment plan. In XX/XX/XXXX, Wells Fargo denied me for a loan modification. They stated that because I had already had a modification, I could not have another, ( that was five years ago ). since then I have been trying to work with them in hopes of bringing my mortgage current. After that decision I continued to try to work with Wells Fargo to bring the mortgage current and in XX/XX/XXXX, I was working with my HPS ( Home Preservation Specialist ) ( Wells Fargo ), his name ( XXXX XXXX ), who indicated that he would continue to post my payments for me until I could bring the account current, by this he meant making XXXX payments, or adding additional monies each month until my account was current, ( he gave me 6 months to complete this task ). XX/XX/XXXX, the IRS placed a block on my bank account which held up my funds from being debited from my account. XXXX XXXX assured me that once the block was lifted, he could then post my payments. In the meantime, XXXX XXXX was transferred to another department, and the new person is not recognizing my current situation. The new specialist ( XXXX XXXX XXXX, will no longer acknowledge the agreement that I originally had with XXXX XXXX. I am trying to bring my account current, and keep my home from foreclosure. In the last 3 month, I had to discuss my account with XXXX different representatives each one giving me different advice as to how to bring the mortgage current, no one is accepting my payments that are still in the bank to be applied to my account, if payment were accepted I would not have to deal with this matter. At this point the monies are still in my account, but Wells Fargo will not accept any payments from me. The representative has indicated that at this time the account is 7 months delinquent, if they accepted the payments, I would only be 3 months behind, I could then bring my account current. They have as of XX/XX/XXXX placed my home in foreclosure. In a good faith effort to resolve this matter, I am able to make XXXX payments to help bring my account current, which they will not allow. I am very confident that once my account is brought current that I will be able to resume making my monthly payments in a timely fashion. I am simply asking that they assist me by giving a modification, or allow payments to be accepted, bringing me out of the foreclosure status. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Home Mortgage alleges a foreclosure sale took place, however, is unable to produce foreclosure sale documents, an auctioneer name, an auctioneer license number. Wells Fargo prior to these incidents admitted in United States v. Wells Fargo Bank , NA ( D.D.C. ) that consumer was discriminated against which consumer was overcharged broker fees and rates. Subsequently, in XXXX 2016, Wells Fargo in the XXXX Wells Fargo & Co. Case No. : XXXX notified the United States District Court of Iowa that consumer was also discriminated against when the mortgage company charged excessive fees. Upon force consumer was removed her home without proper documents and remain an interested party in the property known as XXXX XXXX XXXX XXXX, VA XXXX. Consumer is the legal owner of the land and the land deed is attached. Consumer invested approximately XXXX into a {$160000.00} mortgage and there have multiple forced attempts by lawyers and judges to sell the property or they will impose sanctions, have her put in jail and/or a psychiatric facility where she will be injected with XXXX and other contraindicated medications. There are threats to destroy her career and continuously hold her property until she signs documents releasing her interest. The consumer is attempting to coordinate removal of the structure at the expense of Wells Fargo with clear indication of previous and current injuries. Removal of the property still does not release interest as again the consumer invested {$140000.00} into that property and in a separate transaction, the consumer paid {$14000.00} for the land plus other cost and fees in preparation of the land to build the home on. Quit Claim Deeds attached reserves all rights. 

Social Services will need to be contacted as the individuals involved has shown a blatant disregard for the care of their children as well as consumers they have come in contact with by evidence of a XXXX complaint in which another consumer was forced into an agreement after these individuals provided substandard services, products, and withheld their funds. These individuals do n't have any legal contracts with anyone.

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 2016-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
During my bankruptcy case Navy Federal had me dealing with one of their Vice Presidents, XXXX XXXX, to make my monthly payments. When my bankruptcy dismissed ( I made all my payments on time but the Chapter XXXX Trustee in XXXX is crazy ) I called XXXX XXXX and pleaded with him to let me keep my home. XXXX XXXX told me that he would work with me as long as I kept making my monthly payments. I have done this religiously including making a XX/XX/XXXX payment. 
Despite my good faith efforts I got two letters from Navy Federal indicating they were putting me in default and accelerating my loan unless I come up with $ XXXX by a date which has already passed. 
I 've also received a federal home loan modification and as stated above have made a payment in the last 30 days. I am current through my XX/XX/XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Home Mortgage sent my mortgage into a foreclosure sale without ANY PRIOR notification/correspondence to me. I had no notice of any such action until I received notice from an attorney via USPS regular mail, 7 business days before sale date. After speaking with WFHM regarding same, they said they did nothing wrong, even though they have no proof of my receiving any such correspondence. This is an outrage!!

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: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an out standing debt with Wellsfargo Bank and they just went into my savings unwilling and collected all of my savings leaving me in a financial hardship. They sent me a letter explaining why they did so I never knew they can do this. Their reason for doing this was called " right to set off ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I issued a check to Dillards in XXXX and it never went through then received another statement in XXXX stating it was paid due. I called on XXXX XXXX, 2015 and paid the {$2.00} over the phone and was given a confirmation number. I called today XXXX/XXXX/15 to verify that the balance was showing XXXX and it still is showing the {$2.00} as past due. I am very upset because this is showing up on my credit report. Also, the woman stated that they tried again and it would not go through using my debit card. There is something wrong with Wells Fargo who is handling Dillards. I am going to the store tomorrow to pay this off. Can you please inform someone of their practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested financial hardship assisitance for my mortgage due to health reasons. the mortgage company then referred me to several different people. I left messages, but no response after more than one week. I later received foreclosure related documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Hodosh, Lyon & Hammer, PC
State: RI

Complaint narrative:
20 years ago, while attending college I opened some credit cards. Last year I purchased a home, and resolved all credit issues at that time. Since then, I have been receiving numerous mailings from random collection agencies. 
Upon arriving at work today, a coworker signed paperwork from a constable to garnish my wages. 
I called the Attorneys representing the collector, whom in my opinion are actually collection agencies! I believe this is harassment and I 'm so upset, that I can not perform my work today. 
the harassing attorneys office is HODOSH LYON & HAMMER LTD, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells fargo was included in my bankruptcy and they are still reporting negative as well as a balance every month.

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 2016-05-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
We successfully completed chapter XXXX XXXX XXXX. Contacted Wells Fargo to take over loan payments and was told the loan had past due amount of $ XXXX. I got and compared their transaction history ( {$83000.00} ) to trustee payment history ( {$88000.00} ). I sent certified letters to them on XXXX and XXXX and have since made XXXX phone calls to their California bankruptcy department and the issue is still not resolved.

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 2016-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We did a refinance with Wells Fargo. The closing was XX/XX/XXXX. 
At the closing they said that it is difficult to calculate the payoff of the old mortgage and that we were getting {$3000.00} more than we needed. I think its a scam. They have to get closer than that. Now it is XX/XX/XXXX and we are still waiting for our XXXX. How many people per year do they do that too? Interest they make would be staggering. Again I believe it is a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Integrated Recovery Services
State: CO

Complaint narrative:
On XXXX/XXXX/XXXX, I received a robocall message on my cell phone that did not give company name or identify the person speaking threatening that legal action was pending on an urgent matter. Failure to reply would result in a judgement. 

When I called back, I received no disclosure regarding privacy or debt collection. I spoke with XXXX XXXX XXXX who informed me I owed a debt that needed to be paid within the next 2 days or a suit would be filed. I told him I believed the debt in question was paid to another collector in XXXX. I also informed XXXX XXXX that I was laid off in XXXX XXXX and the only income I have currently is from unemployment insurance. 

He said that his company ( Integrated Recovery Services ) did n't own the debt but worked for another broker that actually owns the debt and that the debt was still owed. 

I sent a letter of dispute on XXXX/XXXX/XXXX by fax and certified letter requesting debt validation by XXXX Mail. The certified letter was returned as undeliverable. 

XXXX XXXX XXXX called me 3 times after the XXXX leaving messages and continuing his pursuit of the unvalidated debt. On XXXX/XXXX/XXXX sent me a letter from a generic email address XXXX restating the settlement offer but ignoring my request to validate the debt. Further, I have requested license information to confirm Integrated Recovery Services and/or XXXX XXXX XXXX is licensed as a debt collector in XXXX where the company is located. XXXX XXXX XXXX has refused to provide any communication via XXXX Mail service leading me to believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I filed a chapter XXXX in 2012 its been discharged since XXXX 2012 and I have a mortgage with Wells Fargo I never late in my payment from the day XXXX purchased my home until this time and also when I filled BK I never included my home. Since the BK my mortgage is not reporting on my credit which when I called to inquire why is not reporting Wells Fargo is keep telling me its protected by BK and also I did n't reaffirmed it. When I talk to legal advisors would tell me the I cant reaffirmed a mortgage which secured by deed. called back wells fargo they are not welling to help me since 2012 my mortgage is not reporting on my credit i need this to resolve, there is no judge will rule a reaffirmed in Colorado.

Company response to consumer: Closed with explanation