vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX I have a home mortgage with Wells Fargo Mortgage. I can no longer afford to live in my home, because the mortgage in on a adjustable loan for years I will call Wells Fargo to try to get help putting my loan on a fix rate, they always take down my information, we will go through a long process, and the answer always come back as no they ca n't help me at this time. Even when I go in the bank to make my payments the banker always say you need to get a better loan this is highway robbery, you should go across the hall and speak to someone about getting a better loan, will do so the answer will come back, no they ca n't help me at this time. I also apply for making home affordable at different times, and the out come is always the same. I bought my home in 2004 it was on a fix rate, I had a realtor to approach me about changing my loan for 6 months I was not aware what adjustable loan mean. I have not been able to get on a fix rate since that. The home was purchase around XXXX, I could only make minimum payments and now the balance is around XXXX, the payments is so high, I ca n't afford to continue, the payments go up every year. I have 4 more years before I retire, and now I am looking for a place to rent. My only option is to short sale my house, because I ca n't get any help to put me on a fix rate. The house is now in the process to short sale. Could someone Please help me get to stay in my home. I have work so hard all my life, I have 34 years XXXX, and this is how it 's going to end. I fell like I ca n't help myself. Could someone please look in to this matter, and help me save my home.

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 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had an auto loan with Wells Fargo that has always been paid in a timely manner. In XXXX of 2016, I traded in the car that was financed with Wells Fargo on a new vehicle. That transaction paid off the Wells Fargo loan. Nevertheless, since that time, Wells Fargo has reported to the credit bureaus that this account has been paid late. I have called Wells Fargo to correct my credit report to update the pay history on my credit report, but they have not done it. I have also disputed the delinquencies with XXXX, XXXX, and XXXX, but Wells Fargo is verifying the delinquencies. There is no way that I could have paid a loan late that has been closed since XXXX 2016.

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 2016-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
My mortgage loan was transferred from XXXX to PHH in XXXX 2016. Prior to the transfer, on XXXX XXXX, XXXX took {$200.00} out of my bank account to cover an escrow shortage. I approved this so that I would n't be making higher payments for 12 months. After PHH took up the loan, they continued to send me statements that did not account for the fact that I had paid the shortage in full. They are double-charging me. I have had 6 phone conversations with them about this over the past XXXX weeks. In every conversation they assure me they will look into this, correct the issue and send me corrected paperwork. In our last conversation, I told them I would deduct from my XX/XX/XXXX and XX/XX/XXXX payments the amount that is a double-charge and they said they will accept that. It is now XXXX XXXX and the issue is still not resolved. The XX/XX/XXXX statement I received yesterday includes the double charge. Today, they told me the issue will be corrected in XX/XX/XXXX. I am out of patience and have no confidence that they will fix this issue. I want it fixed now. I will not pay for something I 've already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX 2016, I had several fraudulent charges on my account XXXX includes XXXX of XXXX I received an alert, immediately called to resolve the issue.. Chase definitely agreed these charges were fraudulent.. on XXXX XXXX @ XXXX I get a reverse charge of # XXXX I immediately called the claims dept. First person I talked to stated They had called XXXX and XXXX said it was liget charge.. I called XXXX myself gave them my old card ( thank goodness still had it ) XXXX said yes this is fraudulent.. They immediately reverse the charge.. I had explain to XXXX what Chase told me, XXXX said they did n't give the number on card only name and email, that 's why it was not recognized XXXX accounts.. I called back Chase claims dept this time the agent gave me whole new reason, it was based on my spending habits.. WOW!! I was dumb founded.. it 's not about the amount, it 's about the behavior and principal here.. This is how my bank is reacting to fraud.. Not very happy.. please contact me XXXX 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells XXXX. Still no resolution. Wells clearly accepted a bid from an investor posing as an owner occupant. The property at XXXX XXXX XXXX XXXX, XXXX, NH XXXX was put up for sale as a bank owned property. Wells clearly did not follow it 's own advanced ownership policy and sold a property to an investor who has no intention of living at the property for the next 5 years. I bid over the asking price as a homeowner and was beat out by the investor, who by his own admission to the abutting neighbor, buys houses to fix them up and sell them. No one seems to care. It 's very wrong. This buyer should be fined and Wells should examine It 's process or remove claims of Community and Homeowner Support from it 's website.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion had a computer breach in their system that violated the rights of their consumers under section 6.11. I have been greatly affected and my score is suffering as a result.This computer glitch which caused all of the inquiries on my credit report to be deleted. However the very next week all of the inquiries were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of TransUnion and they all acknowledge that the security breach happened multiple times in XX/XX/2016 but they refuse to fix their error in my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit file 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 explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is my XXXX complaint against Wells Fargo. Wells Fargo was dual tracking our mortgage they have sold my home back to the bank at auction after never considering us for hamp or harp or a partial fha claim. They also do not have a clear title in which to foreclose on. The title is clouded since a previous refinance with Wells Fargo. The also claim that XXXX Is the title holder and benificeiary when that has been determined to be invalid by the courts. We made many trial payments expecting a modification and as soon as the trial payments were up they restarted the foreclosure process. The note is in blank and supposedly transferred from the original lender to Wells Fargo in 2006 but there is no dates on the endorsement and the women who signed as the officer for the original mortgage company was never an employee of them but a employee of wells fargo making the endorsement done at the time needed for foreclosure. These process are detailed in there foreclosure manual that I have a copy off as how to make the endorsement valid for foreclosure. I have a signed document from Wells Fargo with the name XXXX in it which is fraud. XXXX is imprisoned for commuting fraud on mortgages satisfactions and notes. If this document is fraudulent then everything there after is invalid.

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: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have been on a repayment program with Wells Fargo since XXXX 2015. Set up my first payment of {$200000.00} on XXXX XXXX, then XXXX XXXX, XXXX XXXX, and then called today to set up a payment on XXXX XXXX. I was told by the representative that I was breaking the program rules by setting up the payment so late, I advised her I have been on this program since XXXX and this is the first time I have been told that. The account manager would talk over me and kept saying I needed to set it up on XX/XX/XXXX and that I just could n't call in when I felt like it and set up a payment. I asked them to escalate the call and finally set up a payment with XXXX and opened up a case with them advising her I am tired of everytime I call in the rules to this program seem to change.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Disputed last paid XXXX, on ( XXXX ) credit bureaus, company came back with XXXX as there date. XXXX C/R XXXXshows XXXX late payment XXXX, account listed as open credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a Dillards Credit Card holder for over 10 years. I took responsibilty of paying my bills and setup for automatic payments to prevent late payments. Last year, they decided to change their banking company to WellsFargo. I had to jump all sorts of hoops to sign up for the new payments. Unknowingly, when Dillards would call about my payment being a day late I would immediately pay over the phone and was told by the representative to resign back up with the online payment center. This happened at least 3 times. While I was believing that my payments were finally going through because I setup automatic payments again by taking step by step directions from a representative. To end the story, a final and fourth representative told me every time I signed up, it was taking two billing cycles to activate. So the 2 month cycle wait kept restarting and the horror would not stop. Meanwhile, they stated I was {$7.00} dollars past due and now it was on my credit report for XX/XX/2015. I would normally send Dillards big monthly payments and would not let {$7.00} slip up. I would like to have this negative remark removed because Dillards and myself was going through a transition and I was honestly trying to do the right thing.

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 2015-05-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliant Capital Management LLC
State: TX

Complaint narrative:
I have been receiving calls for the last XXXX years for a XXXX XXXX ( not me ) about a payday loan. I have asked - repeatedly- to remove my number from their data base, I have received threatening calls, harrassing calls - this is not nor has ever been my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
This is more information about an earlier complaint. Wells Fargo put a hold on a {$2000.00} payment without telling me it planned to do that. To release the hold, Wells Fargo aid I should send in a copy of the check with contact information for someone at XXXX XXXX in order to lift the hold. I did so and XXXX day later was told that was not enough. Then I went back to XXXX XXXX, which printed out a statement, faxed the statement to Wells Fargo, and provided contact information for a XXXX XXXX banker. Tonight, a Friday, Wells Fargo said there was another mistake -- Wells Fargo said they had accidentally provided me with the wrong fax number for the statement and now could not release the hold because the office associated with the correct number would be closed until Monday. The problem is that I need the money to cover medical expenses and now I do not have access to that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife and I divorced on XXXX XXXX, XXXX and the court / Judge ordered her the XXXX XXXX XXXX and full financial responsibility of it. The car was financed in XXXX of our names so it shows on my credit report. Since the divorce which is when she assumed responsibility she is always late and payments behind which reflects on my credit even though I have no control or even know where the car is these days. I have put in XXXX disputes to date to remove this account from my credit report with the Credit Bureau and each time they have declined saying the financer disagrees. My credit is getting a bad mark from this and I feel like this is not right now that I no longer hold financially responsibility ordered by a judge in a court of law.

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 2015-04-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for a construction loan from Wells Fargo. I was told that the transition from the construction loan to the conventional loan was relatively easy and straight forward as long as the home was completed within XXXX year. During the initial application process Wells Fargo kept asking for the same information and updated information since they had lost data and other data had expired due to their delays. The initial closing date kept moving out and I felt it was too late to start over with another lender. When I went to close on the construction loan the rate was 5.15 % interest only instead of the discussed 5 %. When the house was completed and I wanted to switch to a conventional fixed rate 30 year mortgage Wells Fargo delayed every step of the way. They had only XXXX people in the whole country for construction loans despite being the largest lender in this market segment. XXXX of the customer service representatives left and the remaining customer service rep was completely overwhelmed. Documents were lost and communication was absent. The delays on the Wells Fargo side triggered new demands for documents as previous documents had expired. The title and appraisal was incorrect which caused additional delays. The entire mortgage process was an unprofessional mess and costly in terms of time and money. The part that bothered me the most was that every time Wells Fargo delayed the conventional closing they made more money. The interest rate on my conventional loan was 4.625 % which included interest and principle vs 5.15 % interest only on the construction loan. Every mistake and delay caused by Wells Fargo cost me time and money while improving their profit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Being harassed.. phone calls and threats. Told Wells Fargo Dealers services that I was unemployed for 2 months and I will send what I can send. Threats are not the way today treat individuals that have been unemployed. Did n't anticipate being unemployed. Talked to them and told them I will pay what I can pay because for 2 months all my bills are behind and just now getting a job and getting back on my feet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is in regards to the Wells Fargo branch at XXXX XXXX XXXX in XXXX California. It alleges bad faith on the part of the banker who serviced me and his supervisors or manager and the Wells Fargo dispute department. It also alleges discrimination in violation of the equal credit opportunity act and extremely unprofessional conduct by that branch and possible age and racial discrimination. 

On XXXX XXXX 2016 I went to get {$750.00} out for rent. I told the banker to place XXXX hundred dollar bills in an envelope. When I got home, I learned the bank teller had shorted me XXXX dollars yet lied and wrote down he gave me XXXX he only gave XXXX. I filed a dispute. The bank did nothing but believe the corrupt and prejudice banker. I believe this is age discrimination because I 'm a XXXX and XXXX discrimination because this bank only hires XXXX and XXXX to work and the the bank and a majority of customers appear XXXX or XXXX, this complaint accuses the banker of shorting XXXX dollars out of malice and falsifying the account record to claim he gave the proper amount. The banker is prejudice he would never have treated a XXXX or XXXX and or young person this way, it seems dare a person not XXXX or XXXX use the branch at XXXX XXXX XXXX in XXXX, they are treated like a second class citizen, maybe even stold from, that branch operates more like a criminal organization than a bank branch and the Wells Fargo dispute has not resolved anything, they just try to cover up. They have cameras and should have seen his misconduct. He shorted me a XXXX dollar bill yet lied! This cost me XXXX dollars of money I needed. I have been a customer for more than 20 years but this bank hit me when I was down, they hire XXXX bankers at the XXXX XXXX XXXX branch, this is the first time I had problems here, I had previously ordered a bank card here and the order was never processed, I had to call customer service to get a bank card because the banker was prejudice and never ordered a replacement card at this bank. I would recommend customers who are XXXX and not XXXX or XXXX stay away from the XXXX XXXX XXXX branch in XXXX. Because the bank teller lied stole money from me and they sided with him I will probably have to take this to small claims court. This is the worst banking experience I ever had, wells Fargo let XXXX immigrants take over this branch. I hope they plan to give some XXXX 's jobs and fast food jobs to robots, well I suggest bank tellers be replaced by robot bank tellers because robot tellers would not act XXXX, show racial preference or act unprofessional and short the customer money and blame the customer.

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 2017-01-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I had cosigned on an auto loan for my son in XX/XX/2016. XX/XX/XXXX we went through the process of him getting refinanced through his credit union. WFDS provided the 10day payoff and received the check for full amount on XX/XX/2016. They even sent me back a check for {$50.00} for over-payment. Since XX/XX/XXXX, XXXX has reported to all XXXX credit bureaus in my name that this account is not only still open, but that it is XXXX past due. This has caused my credit score to decrease over XXXX and counting. Noone can help me, not even the Office of the President.. there is no balance due and noone at WFDS seems to know why this is being reported and are completely disinterested in helping me. This is causing me irreparable harm at this point, preventing me from getting my own car financed. I have called everyday, faxed statements and please, dealt with the Credit Bureau Resolution Unit, disputed with all XXXX credit bureaus, etc and WFDS is doing absolutely nothing to correct their mistake ... at the cost of my hard earned credit.

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