vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After 6 months of submitting applications with all my tax returns, bank statements, and all the many documents required XXXX times over, Wells Fargo Bank is moving towards foreclosure on my property. After making the payments required to test me, which were all returned to me, Wells Fargo Bank reneged on their contractual agreement with me in order to go to foreclosure as fast as possible. This is called bank mortgage fraud against the victim myself as the borrower. The reason Wells Fargo Bank is doing this is that they know the value of the property exceeds the loan amount so they do not wish to try to give me a remodification agreement. It is easier to just make themselves whole and XXXX me. The property in name is XXXX XXXX XXXX XXXX. # XXXX XXXX, CA. XXXX. I have had XXXX of phone calls conversations and messages to them. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We recently received a letter from Wells Fargo Bank dated XXXX/XXXX/16 from a XXXX XXXX, wherein Wells Fargo threatened immediate legal action to foreclose on my family 's home, without stating a specific date for proceeding with foreclosure action. 

Wells said they can not delay foreclosure action, but still refuse to give a date for beginning such action. It seems unfair to trap us into foreclosure or to trap us into a last second foreclosure by blindsiding us without a date specific with reasonable notice of at least 30-45 days. 
Wells say in their letter 'we can not delay potential legal action to collect the balance of your loan, which may include foreclosure ' For about six weeks or so, we have been asking Wells Fargo to supply us with a date when acceleration of a pre-foreclosure status and their threats of 'immediate forelosure ' in this case will proceed. 
We have a hardship 401 k loan available from the corporate administrator of my wife 's 401k account. She has been employed at The Gap for twenty two years. 
The IRS requires a date forward for XXXX to release our own dollars in our 401k account. 
Wells refuses to give us a date forward on the one hand, so we can access our 401k account to pay our mortgage and avoid foreclosure, but threatens us with immediate foreclosure action on the other hand, while still refusing to give us any date when such action may begin. 
This unfair entrapment by Wells Fargo.

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
Consumer complaint received 2015-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Making payments on time to Well Fargo. XXXX completed a credit check and determined that our account should be closed, so Wells Fargo closed it. 

I am working to keep our credit as good as possible, although we are having trouble. I paid this bill one time each month and now get to pay a bill to a closed account. Very discouraging and hope to never have to deal with Wells Fargo in future once this is paid in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the THIRD time in FOUR years Bank of America has attempted to force my property into foreclosure. They accepted payment for the loan and sent a confirmation that payment had been received and that the account was current. On XXXX XXXX, I received a notice that they were accelerating the account to foreclosure because they had not received two payments. THIS ACCOUNT IS CURRENT. IT HAS BEEN CURRENT EACH TIME THEY HAVE ATTEMPTED THIS. After 2 1/2 months, they are no CLAIMING that the bank refused to pay the check because the account was closed. IT IS NOT CLOSED AND THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS WERE MADE FROM THE SAME ACCOUNT. They are CLAIMING they sent me a letter to this effect. THIS IS A LIE ; I RECEIVED NO SUCH LETTER. They are claiming that they attempted to call me. AGAIN, THIS IS A LIE. NO ONE HAS EVER ATTEMPTED TO CALL 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 2016-09-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, 2016, I spoke with a representative from Wells Fargo Dealer Services about questionable late charges ( totaling {$400.00} ) on my auto loan account. After discussing the situation with Wells Fargo Dealer Services, {$200.00} in late fees were waived from my account, bring my remaining balance to {$200.00}. A payment in the amount of {$200.00} was then authorized to settle the account. 

Due to an error in judgment ( wrong checking account ) the funds were initially deducted from my checking account, but were returned due to insufficient funds. Once I was made aware of this error, I realized the payment was setup to be withdrawn from the wrong checking account, this was then immediately rectified and on XXXX XXXX, 2016 another payment of {$200.00} was authorized and approved. 

Unbeknownst to me, an unknown charge of {$38.00} was then applied to my loan account. Which left a remaining balance on my account and prevented its closure. 

On XXXX XXXX, 2016, Wells Fargo then debited my checking account for an additional {$200.00} without my authorization. 

After speaking with Wells Fargo they advised that they will be unable to provide me with any additional information. After speaking with my parent bank ( XXXX ), who 's checking account is linked to my Wells Fargo Dealer Services auto loan account, advised that Wells Fargo Dealer Services debited my checking avvount twice in the amount of {$200.00}. 

Due to Wells Fargo Dealer Services unfair and indiscriminate practice of overdrawing from my account, I am left with being responsible for overdraft fees due to their incompetence.

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 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has refused to resolve large financial discrepancies in my mortgage account, they 've refused to process a legitimate HAMP request, altered the loan documents after I signed and sent them in, and after I became insistent that they resolve the issues they put the condo into Foreclosure status without notifying me and sold it at auction despite knowing I had not been notified ( as verified by USPS records ).

Company public response: Company 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: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My sister XXXX XXXX is mentally ill and her home was wrongfully sold at auction. 
She became mentally ill over many years and has progressively become worse. 
XXXX signed a mortgage on XXXX XXXX XXXX in that mortgage included a note drawn on the same day by XXXX ( now Well Fargo ). The note clearly shows 120 payments ( 10 years ) to be completed on XXXX XXXX XXXX. The deed drawn on the same day mistakenly show a completion date of XXXX XXXX XXXX! XXXX XXXX foreclosed in XX/XX/XXXX and sold my XXXX sisters home for {$6500.00} on a debt that was owed. They did so 5 years past the statute of limitations to collect. The statute of limitations in Alaska gave them 6 years ending XX/XX/XXXX! The debt owed was {$1700.00} according to them but nothing was ever recorded or sent to my sister of this amount owed. 
To be clear no payments were received past XX/XX/XXXX and they XXXX XXXX foreclosed on the deed not the note Further the bank had already taken funds from my sisters account by mistake in XX/XX/XXXX and she had not been repaid this money so she stopped paying so they could clear up their mistake ... they never repaid her. 
To be clear : Wells Fargo sold a worthless note in XX/XX/XXXX to XXXX XXXX ... and these XXXX along with XXXX XXXX and XXXX XXXX sold the home at auction. Breaking federal credit laws collection and state statutes covering statute of limitation on collections. 
The bottom line is this : 1 ) My sister was found by a court to be incompetent 2 years prior to the sale. 
2 ) They were 5 years past the statute of limitations to collect! 
3 ) They sold the home for too little. 
4 ) They had no rights to collect. 
My XXXX sister is now living in the streets because of their errors and with the type of XXXX she has its difficult for family to help her. We have now had to go to court to get conservatorship of her so we can try and right the wrongs these idiots have done to her! 
a {$200000.00} house sold for {$6500.00} on a debt of {$1700.00} that they had no authority to sell ... 
is there a federal agency that can please help us in this matter?

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 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
When a corporation, bank or any institute checks on a credit rating, and then denies XXXX because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past 5 years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. This country will soon fall to other countries like XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the XXXX will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the XXXX people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX, Wells Fargo and their servicing company, America 's Servicing Company, have refused to process and provide information regarding my Making Home Affordable mortgage modification application. After submitting my application on XX/XX/2016, with all supporting documentation and information, ASC refuses to communicate with me or my representatives about my application, and has put my property up for a sheriff 's sale on XX/XX/2016. 

XXXX and Wells Fargo are legally required to stop foreclosure proceedings while my application is considered. They have refused to do that.

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 2016-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a checking and savings account in XXXX XXXX with a promotion to receive {$300.00} for qualifying actions. I fulfilled these actions and the bonus was to be awarded within 90 days of qualifying. On XXXX XXXX, XXXX I contacted Bank of America and spoke with XXXX XXXX XXXX to inquire as to the status of the promotion and was advised that I would receive the incentive within 10-14 days. When I did not receive it I followed up on another 2 occasions within the next month or so. I was told that it would be escalated and should post within a week from those conversations. On XXXX XXXX, XXXX I was notified on my 4th call that it turned out that I did not qualify. I requested from XXXX ( name of manager I spoke with ) that it be escalated again to be reviewed since I was actually notified by XXXX separate representatives previously that I had qualified. I was told I would hear back within 30 days. I never heard back. On many of these calls, I waited for a supervisor to be brought on the line, and was also promised a call back from either the original representative or the supervisor him or herself within an arranged time frame. No one ever called. Furthermore, messages sent internally ( on follow up calls ) from XXXX representative to the original representative I spoke with remained unanswered and no follow up was ever done contrary to the promises provided. I received a notice via postal mail dated XXXX XXXX, XXXX that it was once again escalated and I would be notified in writing. I called again on XXXX XXXX, XXXX ( following 30 days of no response ) and in this call the supervisor I spoke with acknowledged the ongoing issue and guaranteed that I would receive the bonus and that it was just a matter of time. On XXXX XXXX, XXXX after not hearing back at all, I called once again only to be told that my escalation request was denied again for the same reasons that it was originally denied for : I did not qualify. However, the representative credited my account for {$50.00} for the promises that were unkept and my time that was wasted. I informed the representative that after they delivered what was promised to me by them, as an additional compensation, I would gladly accept those {$50.00}. I was strung along and promised things that could not or would not be delivered. My time was wasted. I was lied to or misinformed on multiple occasions. I contacted the bank at least 6 times over 4 months and yet this issue remains unresolved to my satisfaction.

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 2016-06-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2016 and again on XXXX XXXX, 2016, I sent Wells Fargo " Requests for Information '' ( RFI ) and " Notices of Error '' ( NOE ). 
Wells Fargo did not comply with my inquires and sent me XXXX letters delaying the reply. 
It has been over 120 days from the first RFI NOE and 60 days from the second NOE.

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 2015-11-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I booked a XXXX vacation for my family to celebrate my daughter 's XXXX birthday. My wife and I spend several hours on the phone with XXXX travel staff asking questions on the various resorts. We requested an all inclusive resort with beach front but were sold a resort that does not have a beach. This resort was rated XXXX stars during the peak season but is down to just XXXX stars. This sale was fraudulent and totally misrepresented. I attempted to contact the CEO at XXXX but my letter was rejected. AMEX is just closing this case and walking away at this point. As my credit card company AMEX should be looking out for me and supporting my claims in this case. I request your investigation, review and oversight of this dispute as I am being given a run-a-round.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I just received, and the co-owner of my home also received, a credit card from Wells Fargo. The XXXX cards had the same account number. Neither one of us requested such a card or applied for such a card. I have never had an account with Wells Fargo. Since Wells Fargo had already been fined for such activity, this is really unacceptable. Clearly the fine for their unethical activity was far too small since they continue to start accounts which were never requested.

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 2016-11-16 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I XXXX XXXX believe that under the modified Fair Debt Collection Practices Act that I should have all aspects of foreclosure ceased against my home until I can package all documents necessary for a mortgage modification. When my wife went through a XXXX, she had to leave her work that paid more than {$30000.00} per year. I had to take an extended leave of absence from my job, but I am fully employed again. In XXXX of XXXX I was involved on a conference call with the representatives of Wells Fargo Bank, XXXX, XXXX XXXX XXXX, XXXX and the clerk of the court. During that discussion, I was given until XXXX XXXX, XXXX to present all my documents to XXXX, XXXX XXXX XXXX XXXX. I will have a complete modification package within the next week, and it looks like my wife will be able to start work XX/XX/XXXX. On XXXX XXXX, XXXX, the law firm filed a Notice of Motion proposing the granting of Summary Judgment on my case. I am burdened with a great deal of medical debts as well as additional debts I defaulted on while my wife was sick. I intended to obtain a mortgage modification, then file a bankruptcy petition Chapter XXXX to alleviate all debts outside of the bankruptcy. I can not deal with the excessive pressure presented against me now. I need all foreclosure actions to cease under my rights with the Fair Debt Collection Practices Act mandate of XXXX XXXX, XXXX until a resolution on a modification can be accomplished.

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 2016-12-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
There is a credit card charge off from Wells fargo of {$410.00}. and this was an account i never used.

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 2016-07-06 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 XXXX 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 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo is denying my request for loan modification. Affordability was an issue and the fact the loan was owned by private investors. 
I currently have an estimated balance of {$100000.00}. I would like to submit a payment for {$55000.00} and request the balance be modified with a 30 years mortgage payment. 
Over the last eighteen months I had asked at least XXXX times for a modification and they had denied with the excuse of affordability. However, I feel their lock of cooperation, had a sole purpose of rip-us-off of our equity, our health and our memories. My loan increase from {$72000.00} to {$100000.00} ( estimated only ) and is on the rise every day. I want to settle this off. I even offer to pay off the {$72000.00} initial balance and call the loan paid off. They just do not care but to take my home away from me and my family.

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