vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We purchased our primary home in 2007, with a hefty down payment. Right after the purchase of our primary residence, the bottom fell out of the market, and we were unable to sell or refinance. We have been working hard to make our payments for the last eight ( 8 ) years to keep our home in spite of our many troubles and have kept our credit score in the XXXX to XXXX range. 
Our loan is a " Pick-a-Payment '' loan which was previously under World Savings Bank, and was bought out by Wachovia just prior to our loan. We have been told that these loans are the reason why Wachovia Bank failed and was bought out by Wells Fargo. 
This loan allows us to make XXXX ( XXXX ) different payment amounts ( less than interest, interest only, standard 30 year P & I payment, or 15 year P & I payment ). We have been paying less than interest because that is all that we have been able to afford due to our other expenses. There was a court case that provided relief for delinquent borrowers, but did nothing for us, unless we were to stop paying our mortgage. 
Since we purchased our primary home, we have struggled to make the negative amortization payments, due to the many unexpected expenses and job losses that we have had. Our loan negative amortization payments have increased to almost double what they were originally due to the added mortgage interest to the loan amount. 
Our loan will go to standard full P & I payments in less than two ( 2 ) years, and we will surely fall into foreclosure. We are trying to be proactive, because we see the lights coming towards us in the tunnel, and foresee the train wreck that is about to occur. We want to preserve our good credit rating, as well as our most important assets, our home. 
We were denied a loan modification on our primary home under HAMP. We appealed due to how the monthly housing expense was calculated. We believe that Wells Fargo has incorrectly calculated our " monthly housing expense '' as {$3600.00}, and that it should be calculated as follows : Principle and interest payment on our first lien mortgage {$3900.00} Property taxes {$490.00} Hazard insurance premiums {$160.00} Escrow shortage payment {$1300.00} Homeowners Association Fee $ XXXX Monthly Housing Expense {$5900.00} According to the Wells Fargo letter, to qualify for a Tier 1 loan modification, we are required to have a monthly housing expense of equal to or more than 31 % of our monthly gross income of {$17000.00} which comes to {$5400.00} ( {$17000.00} XXXX {$5400.00} ). Our monthly housing expense is {$5900.00}. Thus, we do qualify under HAMP Tier 1, as we have a monthly housing expense of more than 31 % of our monthly gross income. Using the calculated monthly housing expense above, we have a monthly housing expense of 33.5 % ( $ XXXX {$17000.00} = 33.5 % ) of our monthly gross income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Numerous overdraft and insufficient funds fees per day over the life of my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I recently visited my Safe Deposit box looking for the title to a car I was selling. I found XXXX old Cds ( 1993 XXXX ) that I had forgotten about. I tried to cash them out at the bank ( now Wells Fargo ) and was told that they had no record of the CDs. I contacted Wells Fargo and was eventually told that they have no record and I was out of luck. I contacted the MN attorney Generals office. They went back and forth with correspondence on my behalf with the bank. As of XX/XX/XXXX Wells Fargo told me and the Attorney General the same thing that they had no record and even though the CDs are n't signed that they were not responsible for them. 
The Attorney General 's Office suggested that I contact you to file a complaint. So that 's where we are. I have photo copies of everything including the original receipts for the CDs. 
The original total of the XXXX CDs is {$4000.00}. They say right on they will automatically renew at maturity unless I notify the bank otherwise.

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 2016-08-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK
State: DC

Complaint narrative:
XXXX XXXX - I sold the home and paid off the home mortgage with the proceeds from the sale. Astoria Federal Savings, held the mortgage and reports the mortgage as being in XXXX XXXX " closed and paid '' along with another paragraph which states, " account paid for less than full balance. '' This statement makes the impression that I sold for less than the balance of the mortgage or via a short sale. This is anything but the truth ... I paid them every penny and have the IRS tax records which easily shows the record. The only negative on the credit report was the XXXX 30 day late payment posted to the account in XXXX XXXX. I 've called them, I 've written them, I 've emailed them and I 've even faxed them ... .and not once have they replied. I 've addressed this with the credit agencies, but the dispute process is XXXX in which is all done electronically so no human has actually reviewed the supporting documentation that I 've sent them. I can not be the only person that has had issues with Astoria Federal Savings. It 's an easy mistake to correct but unfortunately they 're not be respectful and have proven XXXX interest in providing any client service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo agreed to do a deed in lieu and {$6500.00} in relocation assistance after my XX/XX/XXXX certified letter to XXXX XXXX. I dealt with a single point of contact ( XXXX XXXX ). to accomplish this. The first thing that I was asked for was the appraisal XX/XX/XXXX ( email attached ) which occurred XX/XX/XXXX.. I responded by e-mail within hours to the other request ( validating that the HOA does n't provide any Certificate of Approval to transfer deed ). So there were NO delays on my part.The timeline per the Wells Fargo website ( Step XXXX ) is 30 days to " review required terms and request approval from investor ''. The investor approval ( XXXX XXXX ) was not requested until XX/XX/XXXX. Wells states that XXXX XXXX declined the deed-in-lieu due to " imminent foreclosure '' indicating that the approval package to XXXX XXXX was not submitted in a timely manner. I was notified by phone by XXXX XXXX on XXXX/XXXX/XXXX The foreclosure sale was scheduled for XX/XX/XXXX and did occur. The house was sold to Wells. I had 10 days to appeal the sale. The previous sale was scheduled on XX/XX/XXXX and was postponed by Wells with the express reason for the deed-in-lieu process to occur. .I contacted Constituent Services with my Congressman 's Office ( XXXX XXXX ) on XX/XX/XXXX, but XXXX XXXX misrepresented facts ( like saying a phone call to me occurred on XX/XX/XXXX which it never did ). Wells points the finger at XXXX XXXX and XXXX XXXX points back to Wells. I opened a XXXX XXXX case # XXXX and they have NEVER CALLED. I am in the middle with only today to keep the Certificate of Title from transferring to Wells and having a foreclosure on my credit record. Wells did not meet their published timelines not the constant assurances from XXXX XXXX ( Wells Fargo single point of contact ). Wells either by design or intent let the clock run out to make it almost impossible to do the deed-in-lieu, get my relocation assistance promised, and leave the house gracefully. Based on the fact that I am a XXXX year old XXXX, 10 years with a foreclosure on my credit rating is essentially a life sentence of homelessness. I need your help today to get Wells to withdrawal any legal papers related to the XX/XX/XXXX sale.

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 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
To whom it may concern, In XX/XX/XXXX, XXXX for many diagnostic organizationsWere weaning & I was laid off from my position as a XXXX. With a XXXX month old baby in arms, my wife contacted our mortgage Lender ; Wells Fargo to propose refinancing our home mortgage. We were denied. Upon several attempts. Even after informing them that we would potentially fall behind on payments for 3-4 months due to unemployment. Upon missing our XXXX mortgage payment, Wells Fargo 's home Equity collections agent- XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX called us to inquiry. The agent understood our strife and offered an opportunity to negotiate the remaining balance of our XXXX mortgage ( {$120000.00} ). With Wells Fargo 's guidance, we graciously accepted the opportunity and settled our mortgage for {$18000.00}. Our payment was accepted the following day due to their stipulation that payment must be received within 5 business days of their XX/XX/XXXX settlement offering. 
On XX/XX/XXXX we received a letter from Wells Fargo stating that " After the settlement described herein, Wells Fargowill report your account to the nationwide consumer reporting agencies ( " credit bureaus '' ) as account paid in full for less than the full balance. Wells Fargo is not a credit bureau and can not control how the credit bureaus will report that information to other users of credit reports. If you believe the way this information is reported out by XXXX or more of try credit bureaus does not accurately reflect the way it is being reported by Wells Fargo, you should contact such credit bureaus directly ''. 
With regret we sold our home & we have been renting a small home in a different state for 19 months. 
Our credit score has rebounded since the settlement. However ; We attempted to purchase a smaller home in a different state. We were denied. 
We attempted to purchase an SUV to accommodate our growing children. We were denied. 
XXXX of the potential lenders informed us that the government changed the terms during our rental period : '1 yr till forgiveness ' was modified to '2 yrs till forgiveness '. With the statements that Wells Fargo has published Our credit report states that we are undesirable & unfit. Even though we are now able to provide a deposit of over half of the total cost of a home or vehicle in a cash. We were taken advantage of by a large predatory lender : Wells Fargo. If you you are able to offer us clarity, support & / or guidance. We would greatly appreciate it. 
Thank you in advance for your superior support.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: IL

Complaint narrative:
XXXX from the University of XXXX in XX/XX/XXXX. In XX/XX/XXXX I was diagnosed with a XXXX. Working as a regional airline pilot during time of medical leave we are not paid. During this time I was unable to pay my extremely high student loan payment of {$1000.00} a month. After contacting the lender they offered no assistance with lowering or modifying the payment to become affordable while on medical leave. With this the loan went into a state of past due and has damaged my credit to the point where I can not get approved for other consolidation loans to fix this issue. Wellsfargo also stated that I can not receive a loan modification because my co signer and myself still meet the requirements for a loan with them. However we were recently denied a request for a new consolidation loan with them. Making less than {$20000.00} a year a minimum payment of {$1000.00} should be restricted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I get about XXXX phone calls a day from XXXX XXXX XXXX XXXX a XXXX search indocates it is likely a Wells Fargo Collections attempt. ONe voicemail mentioned {$10000.00} balance and some options to pay it off. I do not bank with Wells Fargo and I do n't anybody who does. All of my bills are on time.

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 2016-06-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Car loan paid off in XXXX. Agreed upon a lump sum payment {$9100.00} after not missing XXXX payment from purchase date of XXXX XXXX, XXXX on a XXXX Kia Soul for {$270.00} a month. The difference of XXXX roughly was listed on my credit report as a charge off dropping credit score from about XXXX down to XXXX. Paid over {$17000.00} in less than 3 years on vehicle. I did not understand that a lump sum payment would be considered derogatory with the XXXX difference. I offered to pay the remaining balance when I found out. Account should never have been listed as charge off and now they reviewed and decided to make it a settlement ... which is what it could have been considered initially ... but after knowing the circumstances were not from any form of delinquency should be considered and reported in a different way. Please help ... these delinquent reports to credit agencies will hurt me far worse than me paying them the XXXX! I have offered and they would rather ruin my credit!!!! Single mom no child support paying every bill on time and just need what 's fair ... not asking for handouts. I was a loyal customer to Wells Fargo Dealer Services and they have just destroyed my credit without a second thought.

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 2016-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
In XXXX XXXX, we experienced a house fire. The insurance company cut a check for {$84000.00} on XXXX XXXX, XXXX for home repairs. Due to the amount of the check, Wells Fargo sent the check to their Property Loss Claims Department in XXXX SC. Wells Fargo lost the first check. We had to go through the process with the insurance company to cancel and reissue a second check. Since then, our family has paid XXXX out of our pocket and borrowed from family members to get work started and to continue work. And if we do n't have our first draw by Friday, we will have another {$3000.00} to pay out of pocket. We have resubmitted paperwork we thought was completed, without any follow up communication it was n't completed until we called back last week to check on the money. Thats when we found out we still had more to complete before they could issue the draw. We have talked to at least half a dozen different reps at the loss department, each XXXX telling us we had more to do to get the process moving up until last week. On Thursday XXXX XXXX, I asked to speak to a supervisor after I was not getting the assistance I needed. I spoke with XXXX XXXX on Thursday and Friday. She gave me her priority fax and direct line, and said the check would be cut on Monday, sent out Tuesday, XXXX XXXX, via Fed XXXX, to arrive on Wednesday. As of today, Wednesday, it had not been sent yet. I have now left XXXX voicemails for XXXX XXXX since yesterday to check on the first draw and get the XXXX tracking number to follow the check to us. She has not returned any of those calls. I can not understand how it takes 3 months to process a first draw of a check due to us after going through a house fire and maintaining XXXX houses, paying for repairs out of our own pocket. This is unacceptable.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have went to numerous Wells Fargo Bank XXXX locations in Minnesota trying to open up a checking account with Wells Fargo Bank, but Wells Fargo Bank refused to open a checking account for me because of a fraudulent checking account someone who stole my identity opened up with XXXX XXXX. I sent numerous letters, copies of personal identification and police reports informing Wells Fargo Bank, I am a victim of identity theft. Wells Fargo Bank cleared my name, but wo n't open up a checking account for me all because XXXX XXXX notified Wells Fargo Bank about me being a risk because someone who stole my identity opened up a fraudulent checking account with XXXX XXXX using my personal information and made fraudulent transactions with the XXXX XXXX checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/XXXX I was granted credit of {$2500.00} by Carecredit/GE Money. I made four additional transactions of {$1400.00}. Based on high monthly due minimum, after eight years of steady payments I look confident to have paid off this credit. But, every month I see this credit increasing due to crafty billing by Creditor. For example : they charged systematically high so-called Interests on Purchases even when no transaction was made in related billing circle. Moreover Carecredit lured me to sign four years ago a program called ACCOUNTS SECURITY PROGRAM which charged my account of {$36.00} or more a month. I was told the program main purpose was to help credit holder compensate monthly due minimum payments in case of sick leave or jobless time. Just a big lie! Because when I recently moved from XXXX to XXXX and while I am still jobless and struggling to settle here, I wrote several times to Carecredit and Synchrony Bank to claim they activate benefit of my account Security program during this jobless period, nothing. Instead they have not only jeopardized my credit score but also connected all my phones to debt collectors who are, as of today, harassing me by calling any time 7X7 days. In the light of all of above, from XX/XX/XXXX I finally stopped paying monthly due minimum unless this creditor provide me in writing complete credit account billing and payments history from XX/XX/XXXX to XX/XX/XXXX to help me know how much I so far paid compared with current balance credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is the XXXX complaint as the XXXX was not satisfactorily resolved and WF seems to just do what they want.  Am curious what you all do to help the consumers?  They made msitakes paying insurance and then took out more money from my checking to cover an increase, which even that, they took earleier then they had stated in the notice they sent me.  I even transferred more money to cover the shortage but now they have not even returne my monthly mortgage to where it is meant to be at XXXX.  It is still at XXXX which is over $200 increase monthly....how are they allowed to do this?  I am so sick of this and their mishandling of my money.

On top of that it's a really crappy way to treat Veterans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX I purchased a XXXX VW Jetta GLI from XXXX XXXX in XXXX, AZ, financed through Wells Fargo Dealer Services ( WFDS ). At the time of purchase and completion of the sale I maintained a current and valid auto insurance policy through XXXX. This auto insurance policy was listed and on file ( agreement to purchase insurance ) at the time the sale was completed. On XXXX/XXXX/XXXX I contacted my auto insurance to confirm this purchase and addition of my new vehicle. It should be noted that I took possession of the vehicle from the on Monday XX/XX/XXXX. 

A month later WFDS sent a written request notifying me that I needed to purchase insurance and list WFDS as the payee in the event of a loss. I resubmitted proof that I maintained insurance on the vehicle via WFDS ' website XX/XX/XXXX. 

XX/XX/XXXX I began receiving multiple phone calls per day from WFDS in an attempt to collect a debt for not maintaining insurance on this vehicle. For a third time, on XX/XX/XXXX I re-submitted proof of insurance as well as a letter to WFDS. Since this time I have received no further response in writing. The phone calls to collect the debt which I do not owe have continued.

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