vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am about to lose my house due to Wells Fargo 's XXXX scam. In the mid XXXX Wells Fargo forced any buyer they could without 20 % down payment into double mortgages with the 2nd mortgage at a very high interest rate, then refused to refinance them. Thousands of homeowners were victims of this scam. I was forced into one of these mortgages in XXXX at 8.62 percent, signing only on the proviso that that loan would be refinanced the following year. I have been trying since XXXX to get this loan refinanced, with different excuses every time. When I could no longer continue paying it, they refused attempts to set up a payment plan, refinance or modify the loan, now threatening to foreclose even though my first mortgage is current and I have never missed a payment. ADMINISTRATIVE ACTION NEEDS TO BE TAKEN IMMEDIATELY TO REQUIRE WELLS FARGO TO REFINANCE THESE LOANS ON ANY HARP OR HAMP ELIGIBLE HOME. 
Wells Fargo deliberately ignored a request for a refinance or modification through Senator XXXX office until such time as my unemployment ran out and then claimed they could not trefinance because I did not have a regular source of income. After a CFPB complaint, they then started six months of " research '' on the fraudulent origination of this loan, coming back with a claim that I had been given this loan due to an insufficient down payment, a claim that I immediately provided documentation to refute. A second modification application done through a highly reputable housing counselor was denied because I only had self-employment income. The Wells Fargo single point of contact deliberately drew out a fact finding inquiry so that I could not appeal. By drawing out this process and refusing earlier refinance attempts when I was working, Wells Fargo has created a situation where I am now near four months behind on the loan. Wells Fargo has refused all attempts at modifications, based on income guidelines above what I have earned for most of the time I have owned the house. 
Most of the research on this loan has been done by XXXX XXXX, who calls me regularly to " make sure we are on the same page '' and then make statements about me or the loan that I know to be false. I put over 5 % down on the house on the advice of a Wells Fargo Prosperity agent, more than the required down payment on the house then and an acceptable down payment today yet they claim they insisted on the XXXX origination because I " did not have sufficient down payment. '' On XXXX XXXX XXXX, I sent another letter through Senator XXXX requesting modification and other forms of relief. This has been ignored. Please intervene to address this situation.

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 2016-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX XXXX approximately 5 years ago. I was contract to Wells Fargo Dealer Service for 54 monthly payment, I asked and received XXXX two ( 2 ) month extension. I have made all of my paymets. Wells Fargo Dealers Services, due to an error on their part, put insurance on my vehicle after I informed them that I had the coverage required. Both my self and the insurance company sent confirmation of the coverage. To date, Wells Fargo Dealer SErvices has not removed those fees from my account and they are now charging me late fess and interest on the late fees and interest on the interst. They raised my payment to {$310.00} and I have been paying {$320.00} but still my balance does not go down. I am now trying todispose of the vehicle but because of what they say is the remaining balance on the loan I am having serious problems. I called and asked them to please remove the interest on the fess and the interest on the interest and got no response even after the gentleman told me he wouldlook into it and call me back the next day. I then called Wells Fargo again and asked for the gentleman, Iwastold he was in a meeting and that he said that he was just washing his hands of the whole matter. So I am still without an answer, still not able to dispose of the vehicle and at the rate they are chargeing interst on fees and interest I will never pay this loan off. Is there anything that can be done to help e rectify this situation?

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 2015-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services
State: CA

Complaint narrative:
They call every XXXX days threatening me that i commuted bank fraud and if i do n't call they are going to prosecute me. I returned XXXX call and the lady on the other line told me " i have XXXX leans and XXXX judgments against me and good luck in court you loser ''. I told her what they are doing is illegal and she hung up. I have the last msg they left me XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
We recently found in our home filing cabinet a XXXX Savings Account passbook from XXXX that we completely had forgotten about. After researching on the internet, XXXX was taken over by Wachovia in XXXX and later in XXXX Wachovia was taken over by Wells Fargo Bank. After talking on the phone to a Wells Fargo Client Services representative the first time, he was unable to find anything in their system regarding my account, So as agreed, I sent a letter with scanned copies of the passbook along with a copy of my drivers license, to verify my identity. A month passed, and I received no feedback. So, I contacted them again and we went through the same process again ( i.e., checked their system by my name, my account number, social security number, etc. ) and no results. I again was instructed to write a " Letter of Instruction '' to a different address XXXX 

At this point I really feel I 'm getting the run-a-round especially since my research finds that Wells Fargo could be heading for some troubles.

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 2016-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo foreclosed and sold our home at sheriffs sale despite the fact we were not delinquent - apparently due to the results of a class action resolution they undertook with the Justice Department related to " pick-a-payment '' financing by XXXX, our original lender. Despite our being aged almost XXXX, my wife suffering from XXXX, after full compliance with all of their demands, we were strung along with a myriad of, what they later described as " mistakes ''. These would include, but not be limited to : 1 ) failure to refund to us, some {$16000.00} of hold back funds when required work was completed, 2 ) a Sheriff 's Sale of our home when we were not delinquent, 3 ) Post said sale, revealing that we had XXXX dollars of credits posted to Escrow " suspense '' and " unapplied '' accounts ( said monies not listed in paperwork leading up to the sale ), 4 ) Stringing us along for almost three years during which we received phone calls and letters asking us to be patient and that they needed a little more time to resolve the mess, 5 ) Advising us by letter that the loan was paid off with no balance remaining, 6 ) Advising us that they were sending a Deed which we needed to refinance this and adjoining properties ( which was never sent us ) 7 ) At one stage, requiring us to sign a loan modification, " ... to get the settlement process working ... '', whereon they did not sign their portion, nor send any clarification of status until well after they had communicated in several ways that our loan was paid off. Subsequently, almost two years later, a copy of the completed/signed by them " agreement was sent us, and they started demanding payments, 8 ) When we wrote asking for clarification and providing them with evidence of the communication to us that following adjustments, we owed no money, they again strung us along with phone calls and letters advising they were researching the matter, and expected resolution within the next several weeks, 9 ) Despite these assurances that they were working toward a resolution ( and still so claim ), they again commenced foreclosure ( bear in mind we have yet to receive a deed which shows the property to be in our name ), the date of said sale is scheduled for XXXX/XXXX/16. In light of the other shenanigans that they are involved in, are others suffering such as we are? This matter appears to be clearly beyond our ability to deal with what appears to be a predatory ( admittedly cordial but with devastating results of our continued patience that they request ) action against folk that the Bank has extensive data as to the damages we have and continue to suffer. HELP!

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 2016-02-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in 2008 I obtained a " predatory lending " loan from Wells Fargo. ( interest only ) My principal amount goes up every year. I have applied several times to Wells Fargo for a loan modification, with no luck. I need to do something before the bank takes my home. 
My first mortgage is $ XXXX and my second $ XXXX. Estimated house value {>= $1,000,000}. 
My income is {$4200.00} per 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 2016-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I made a deposit through the mobile app from Wells Fargo in the amount of {$4400.00} with XXXX checks from XXXX. ( {$400.00} and {$4000.00} ) I received a message saying the funds would be cleared on XXXX XXXX, XXXX ( every two weeks I deposit a similar amount into that Wells Fargo account which is my business account, the deposit is made on Thursday and it is always available on the next day, friday ). 
Something happened on Wells Fargo side that they placed a hold on the {$4000.00} check and did not release the funds into my account causing payments to be returned, overdraft fees Applied to my account and that inconveniency of having to explain to other parties why i could not pay them, including to the IRS which was supposed to receive a tax quarterly payment that did not go through due hold placed by Wells Fargo on the money. 
Yesterday, XX/XX/XXXX I went into a wells fargo branch, contacted a branch manager and he said the funds were not available because there was insufficient fund on the checks. 
few minutes after leaving the branch, i contacted the Company that issued those checks to pay me and they contact XXXX just to find out that the funds was released on the same day that I deposit the checks which was XXXX XXXX, XXXX. ( See attached document ) Me and the company that issued the check contacted the branch manager again, left several messages and sent few emails not receiving any response back. 

I need this resolved ASAP come up with the money placed back in the account, overdraft fees return and a letter from the bank explaining the mistake so I can take to the IRS and not be penalized for not paying my taxes when I was supposed to. 
Just a reminder the taxes was supposed to be withdrawn from my account on Monday, XXXX XXXX, XXXX four days after the deposit. 
I am very unhappy with this situation with Wells Fargo and I hope that this can be repaired ASAP because it 's causing damage to my business.

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 2016-07-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Windham Professionals, Inc.
State: MS

Complaint narrative:
I was incarcerated for 4 years and once I was released I tried to set up a payment plan but was told that i could not and would be sued, wages garnished etc. 
When they would call, my mother told them that I was in jail and tried to make arrangements to make payments for me but they could not give her any information.

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 2016-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a {$5200.00} check at the branch on XXXX/XXXX/2016. The Branch manager that came to sign off on the check told me that it 's asking for a 7 day hold due to negative balance and past overdraw charges. The issuing bank for the check for the insurance company was XXXX XXXX and I told her I can go to XXXX and cash the check at the bank and deposit the cash do do n't have to wait 7 days, and then she said she would sign off for the funds to be available on XXXX/XXXX/2016. I asked her if she is sure, since I need to write bills and she said yes. On Monday XXXX/XXXX/2016 I called the Bank and asked why the hold was not released I was advised they are unable to release the hold until 5 business days after the deposit date and to call back Tuesday the XXXX/XXXX/2016. I called on Tuesday and was told to call back on Wednesday, so I called today on XXXX/XXXX/2016 and was still advised the hold will not be released until Friday XXXX/XXXX/2016. It has been already 7 days since the deposit and 5 business days and hold has not been released after I have been promised it would. I got another check from the insurance company and had to go to XXXX XXXX to cash the check and make a cash deposit of {$2800.00} on Monday XXXX/XXXX/2016 to cover the negative balance since the hold was not released on XX/XX/XXXX as I was promised and the account went negative and I was charged fees. The insurance checks were a payoff for my motorcycle and I 'm purchasing a new one with the proceeds I got. I want a refund for all overdraft charges on the account from XXXX/XXXX/2016, the date I deposited the check and I need at least XXXX of the funds to be available on Thursday XXXX/XXXX/2016 for my down payment. Otherwise, I 'm going to miss the incentive promotion that the dealer has going, XXXX off the value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX/XXXX/XXXX, I opened a checking account with Wells Fargo, XXXX, WA. During the timeframe, I was having problems with the checking account due to the systematic problems that Wells Fargo was having with our direct deposits and charges of {$35.00}. The direct deposits were being posted after the incoming bills so I was being charged NSF in the amount of {$35.00}. On XXXX XXXX, XXXX, I talked to XXXX, and she was did not assist me regarding my complaint. She informed me that my daughter who was attending college, I was added to the account, as I wanted to ensure my daughter had sufficient funds for room and board. XXXX, Executive Office, was providing me the information on the direct deposits that were being posted, and informed me that I went over some bills. Thus, being charged {$35.00}. I ask XXXX to mail me the transaction summary in order to review all direct deposits, checking accounts, and charges of NSF in the amount of {$35.00}. told her that I do not know what she is reviewing, and I would like a copy mail to me. She failed to acknowledged my request. XXXX, was unprofessional as she was speaking to me in an unprofessional manner and also too fast. In XXXX XXXX, my husband, filed a complaint with CFPB, regarding the {$35.00} which were approximately XXXX charges in three or four months period. XXXX, Wells Fargo, had contacted us in order to address the issue. However, nothing has been resolved. On XXXX XXXX, XXXX, I talked to XXXX, Executive Office, to inform her that my daughter was having problems with Wells Fargo and that she could n't transfer any money being with hold by Wells Fargo. She is on vacation, and could n't obtain money from her current checking or savings account because she is need of money. XXXX told me that she will try to get a hold of her.

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 2015-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Integrated Recovery Services
State: TX

Complaint narrative:
I received several calls yesterday ( both resulted in voice-mail messages ) from someone who said he was " XXXX XXXX '' with Integrated Services yesterday. He said they were XXXX claims/charges for " bounced checks '' associated with my previous/now closed, bank account and that Integrated Services is getting ready to come to my place of business and issue the summons to me. He indicated that he knew this would be very embarrassing and costly to me and that in order for him to not proceed with that action I needed to contact him back immediately to make arrangements to pay him what I " owed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a Wells Fargo customer for over 25 years. I have always had direct deposit from my employer. On my last payday XXXX XXXX I had made a car payment of approx. {$370.00} and my Cell phone payment of {$240.00}. When I went to the bank to withdraw some money I was told that my account was being closed due to a business decision that was made by Wells Fargo and that any checks or debits would be returned by the bank. They never notified me of this either by email, phone call or a letter. 
Now I have a car payment that was rejected and a cell phone disconnection and my water utility bill was returned as well. Each of the XXXX vendors are charging me a returned check charge a late fee and a reconnection fee due to their bad business decision. After 25 years of banking with them. This is unfair to me the consumer and they need to be held accountable to make my returned payments whole and send a letter of explanation to all of XXXX vendors and compensate me for their bad decision.

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 2015-07-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My ex-wife and I owned a property, with the Mortgage being held by Wells Fargo. We got divorced, and both of us ended up filing for Chapter XXXX bankruptcy and receiving discharges for each of our filings. Each of us surrendered the property as part of our filings. Since the surrender and discharges, Wells Fargo has not retitled the property nor made it available for sale, so my ex-wife and I are still accruing thousands of dollars in HOA fees and fines for a property we no longer own or have access to. While I can understand a small carryover, this has been ongoing for years as XXXX 2013 was the last BK discharge. We are looking to have Wells Fargo actually retitle the property to relieve my ex-wife and I of the additional financial burdens of the property since we do not own it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX packets ( XXXX pages each ) of Foreclosure paperwork with a preliminary loss affidavit were left on my front porch. I NEVER received any certified paperwork prior to this finding. One packet was taped to the front door with black electrical tape, and the other identical packet containing names, birthdates, social security numbers, humiliating private foreclosure information was strewn throughout our neighborhood. We are not squatters living in a abandoned home? I am not irresponsible and have 3 years of documents and supporting proof that I have been trying to get a loan modification with Wells Fargo. I have a story like so many others, My spouse left me and I am raising XXXX children in our home and neighborhod of 17 years. I am a full time employed for 28 years as a XXXX who lives a very private life. One of these packets that was left on my doorstep, NOT in any sort of envelope was strewn throughout my entire cul de sac and many pieces were returned by neighbors. Returned to my children who did not need this additional XXXX of potentially losing their safety and security! 
It was obvious to ALL who returned it 's pieces that it was foreclosure paperwork. Humiliating and embarassing and resulting in stigma and harassment. I am not even certain that all of the paperwork has been returned and it is HIGHLY CONFIDENTIAL. Why wasn ; t it treatedas such. Despite is being public record through the court system, this type of negligence is demoralizing and damamging forever especially to XXXX innocent XXXX and XXXX children. Why was the information not attempted to be delivered certified mail? There should have been two attempts with receipt requested left on door similiar to when I receive a package?

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