vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX. I 'm a bank customer of Wells Fargo Bank. In XX/XX/XXXX with absolutely no action taken on my own, XXXX offered me an automatic credit increase of {$300.00} on my credit card. I had taken out the card in XX/XX/XXXX/XX/XX/XXXX with a {$1000.00} security deposit. After XXXX consecutive months the bank returned the deposit, when I never asked them to, nor wanted them to. My intention from the start was to build my credit. Which I feel I have done after making approximately XXXX consecutive monthly payments on this credit card account on time!!! In XX/XX/XXXX of this year, I telephoned XXXX and spoke with a banker/supervisor about receiving another automatic credit limit increase, since not having received XXXX in 4 years. I was told by the banker that I was correct and was in line for such a decision. He also told me I would hear from the bank the following month ( XX/XX/XXXX ). I waited until after XXXX, and when I did n't hear from the bank I called them. That call was with a banker/supervisor, also. Diuring that phone call I was lied to, and told that no automatic credit increase review was forthcoming. The supervisor confirmed the bank does in fact have a random system of selecting card holders for credit line increases. But when I asked for the criteria which card holders are selected this person kept repeating there was none! That it 's all done randomly. My response was, does n't the bank think XXXX consecutive timely payments counts for something? The supervisor said the decision was random. Because the bank could not account for the criteria used nor explain why I had been lied to not once but twice it was clear to me I was the target of discrimination. Furthermore, the supervisor alluded to the bank secretly pulling my credit without my permission. Listen to the tape XXXX, becausr the conversation was recorded. You have an unexplainable discriminating process snd you 're secretly pulling my credit. There should n't be a random system that does n't reward customers likee that has made my credit card payments on time every month for XXXX or XXXX years. No lates. No over the credit line charges. This is the bank making decisions about my account illegally. Otherwise, how is someone expected to elevate their credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Navy Federal Credit Union locks me out of my account whenever my car loan is late. I am completely locked out. This is a problem for a number of reasons. I can not follow my balance, I ca n't remotely deposit pay checks, this practice seems absolutely absurd. Everytime it happens I have to call and talk to someone, wasting everyone 's time to unlock my bank account. 

Blocking my bank account t seems unethical, if not illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo put a stipulation for the date they must receive an offer in order to entertain a short sale. I have a XXXX % backed VA loan, so Wells Fargo will receive all of their money regardless. They are trying to foreclose on the home now even though they will get all of their money when the house sells.

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 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I pulled up a credit report to find that Wells Fargo had incorrectly reported a foreclosure to all the credit bureaus wreaking havoc on my credit which is still damaged due to this mistake made by Wells Fargo. I sent multiple letters and have received multiple notices from the company assuring me that it would be removed but to no avail. I sent and have copies of the mortgage paid in full and without a flaw on XXXX XXXX, XXXX. I wrote their CEO via email XXXX XXXX and have still not received a reply to permanently remove this mistake from my credit which has gone down since this simply unexplicable mistake was made by Wells Fargo. I 'm writing you so that we can begin the process of remedying this matter once and for all so I do n't have to hire an attorney to sue Wells Fargo. It is absolutely unacceptable that I have had to endure this lie all these months after multiple requests to remedy their mistake. My good name has been tarnished and I want to know how this can be resolved once and for all.

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 2016-02-03 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My mortgage is running 30 days behind. I 've emailed asking someone to contact me to discuss a deferral of that one payment. I 've told them precisely the times I 'm available ( XXXX XXXX or XXXX XXXX ). " XXXX '' continues to call my cell phone, immediately followed by a call to my place of employment outside of those time slots and numerous times a week. This morning, XXXX XXXX, 2013, I paid my XX/XX/XXXX payment. Meaning my XX/XX/XXXX payment was due on XX/XX/XXXX. At XXXX XXXX, I received a " XXXX 's '' regular calls on both the cell and then office line. Her message was in a very nasty tone telling me that I needed to call her IMMEDIATELY. Why? At this point, I 'm 2 days late on my payment! I have now sent them a 3rd message through my online account making a complaint. But they seem to ignore this.

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 2015-04-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My mortgage is due the XXXX of each month as usual. However, by the XXXX day I began receiving phone calls daily at work and on my cell phone concerning the " delinquent '' payment. The mortgage was paid by the XXXX and I asked them not to call me during the grace period. I was told there is no grace period as the loan is due on the XXXX of each month. I requested they did not call me repeatedly any more until the mortgage was assessed a late fee or actually reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I had initially done a refinance to pay off my auto loan with wells fargo and the payoff check was sent on the XXXX of XXXX. Every time I called in to confirm if they had received my payment I was given the answer that they had not received anything. The payment actually was received on the XXXX of XXXX per a conversation I had with the Office of the President at Wells Fargo dealer services. The issue is, nothing was noted on my account that the payment had been received. They processed the check on the XXXX of XXXX however because I was given incorrect information every day up until the check processed, the title company that issued the check cancelled it and sent out another check based on the information that it had n't been received and therefore thinking it was lost in the mail. This would n't have happened if WF properly handled their accounts and at least notated a payment was received when they receive it. I was charged a late fee with was credited back however I was still responsible for the interest that accrued from the difference. Now the Title company has resent the payoff check and I have proof that it was received on the XXXX of XXXX Tracking number XXXX ( I attached a copy ) and it is now the XXXX of XXXX and I as of today the XXXX I am still getting told that nothing has been received. This is complete lack of accountability on Wells Fargos part to not even notate a payment receipt when they receive it. Because of this my account is now 32 days past due and my credit report has been adversely affected. Every time I call to inquire about it, I get different information. I am told it takes 5 days to process once received and I even had a rep confirm in the notes that I was told it takes 5 days to process. Now I am being told it takes 14plus days and one rep even told me it takes about a month. All the while My payment is sitting there and I am being treated as though I am a criminal with horrible attitutes from the reps that Im speaking with. I have satisfied my debt and because Wells Fargo does n't know how to handle accounts, they are scamming not only me but probably thousands of other people out of additional interest due to their horrible tactics. I had a case opened up with the office of the president on the XXXX of XXXX and still have yet to hear anything. I have n't been contacted or called to be notified of any progress. I left messages and still have no return call

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
servicer, Wells Fargo, is not complying with CFPB guidelines to provide a decision on a short sale application within 30 days. it was submitted to them in late XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have tried for seven yrs to get a lower interest rate from Wells Fargo the last time I was helped or screwed was last year I ask for a loan Modification and boy I got one the lady at Wells Fargo told me to take it or move out.She went up on my interest rate and went up on my yrs she added ten yrs to my loan instead a lower interest rate to help me. I was in the area were the states were hit hardest. I was underwater but she had no HEART for anything but Wells Fargo the Government gave them money to help people but they did not I have never seen such XXXX crooks in my life I begged for a lower rate but no we can not help you. I did not qualify for any government programs. But I live in the US and pay taxes in US. It is a shame that they get bailed out and I can not get a lower rate. And XXXX is just as bad they say we can help you we will talk to Wells Fargo but they just let them treat people anyway they want to. The government owns the loan but has no say so about the way Well Fargo treat it customers.They make millions and can not help the people that is hurting.I have really tried for a lower interest for the several yrs and I know they can help me but they want they had rather me move and sell my home and loose money because it is the US government losing the money not Well Fargo. Thank XXXX

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 2015-06-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Last month around XXXX XXXX, 2015 I notice on XXXX that I had XXXX listings for my mortgage loan. XXXX listing was named Wells Fargo Home Mor mortgage for {$150000.00} the other was named WFHM mortgage for {$150000.00}. I called that day and talked to a representative and explained I only had XXXX loan for a mortgage with Wells Fargo under loan number XXXX. The representative said she will look into but that she could not see my credit and therefore the credit dispute department would have to do an inquiry. I received a letter from Wells Fargo explaining to be that the information on my credit was correct and that they had but some kind of code on my credit and reflecting that I may not agree with their findings and that they will only remove the code after I agree with their findings. I called the mortgage company again XXXX XXXX 15 for assistance in correcting this misinformation I spoke with a XXXX XXXX that said she will request some file because the lien may not have been released. She called me on XXXX XXXX asking for a copy of my credit report with the duplicate listing. I tried to ask for an email but was told I had to send it my fax. The Fax number I was given is XXXX and it would not allow me to send the proof of the duplicate listing. I would like my credit report to reflect that I only have XXXX mortgage. It has put my debt to credit ratio off and it affects my credit score and I feel that this mortgage company is not trying to assist at all. I am also concerned about other people that may not know to come here and make a compliant. Please assist. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My girlfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX XXXX and Experian Credit Reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Dealer Services ' Loan Managers from their XXXX XXXX XXXX XXXX agreed to remove the negative information they reported about me to the XXXX major Credit Reporting Agencies-XXXX, XXXX, and XXXX. 

I have tried reasoning with them over the phone, by mail, by fax, and by disputing the negative information issue online with all three credit reporting agencies dispute resolution centers. 

I have not had any success with Wells Fargo Dealer Services keeping their end of the deal, but yet I was able to keep mine. 

The deal was, that if I was able to refinance my auto loan with them to a different lender they would remove all negative information such as late payments, and partial payments, etc. from my credit report files. 

I followed through with my part of this agreement by refinancing with XXXX XXXX XXXX XXXX, and on XXXX, 2016 my auto loan was paid in full with the lender I refinanced with. 

Therefore, I 'd like to know why Wells Fargo Dealer Services has not kept their end of the deal, and I am also going to allow them 30 days from the time they receive this complaint to remove late payments, and negative information on the auto loan account I had with them before I firmly decide to escalate this to a higher authority. 

Please note, although this agreement was made verbally over the phone with their XXXX XXXX XXXX XXXX, this was the only method of negotiation this deal since they do not allow customers at their XXXX XXXX XXXX XXXX 's, and the Wells Fargo branches do not handle the auto loan accounts that Wells Fargo Dealer Services manages, and oversees, thus the reason why it 's been difficult on reaching out to someone from their company who is able to actually take action towards my favor.

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 2016-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Here is the complaint letter that I sent to the CEO office : I am XXXX of your customers and I was hoping to seek your assistance with my mortgage. 
I am really getting frustrated with getting a problem resoled and I know that your company does n't want the customers to feel that way. A SALE DATE IS SCHEDULED FOR XXXX I have been trying to obtain a loan modification with your company for many months, however it seems that Wells Fargo does not want to help with this. 
I am recently going thru your re-entry team and we have been in contact with them regarding the file. 
Back in XXXX XXXX, we submitted the workout review and was denied because of the income was not sufficient to support the modification. 
Then we resubmitted a new application and in XXXX XXXX, we were told that the file was removed because there was an incomplete application and documents were not submitted on time. 
On XXXX XXXX, a new application was resubmitted and according to the underwriting department in the re-entry team they reviewed the file as of XXXX XXXX and the XXXX stated that there was not enough income to support the modification. 
I called the re-entry team and was advised that the new application was not reviewed showing the updated income supporting the new modification, that instead they reviewed the OLD financials and not the current ones. 
At this time, I am requesting for Wells Fargo Executive office to review my file and to postpone my sale date so that they can see for themselves that what they are doing is injustice I have been working very hard and providing Wells Fargo all the documents way ahead of time, but it seems that they are not willing to help me out with my situation. 
I LOOK FORWARD ON HEARING FROM YOU. 
CC : Consumer Financial Protection Bureau & XXXX XXXX, Attorney General for Missouri

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 2016-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo has been servicing my home mortgage for several years. For the last two months, they have mistakenly applied my monthly payment to the principal balance instead of applying it to monthly principal and interest payment. As a result, Wells Fargo calls every month saying that I have missed a mortgage payment. Of course, they reverse the late fees and credit the payments properly, but this loan servicer is not properly servicing my loan. 

I finally figured out what is going on. They say I 'm paying too early. The most recent check was received five days before the deadline. Apparently that is too early. Wells Fargo needs to be clear with its customers about what the deadline is. Do they really expect the payment to be received before the due date or after the due date and during the grace period? They wo n't tell me that the due date is n't really the due date, so I do n't know how a responsible borrower is supposed to behave.

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 2015-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo holds my mortgage on my home. They recently did an escrow analysis in XX/XX/XXXX for period XX/XX/XXXX thru XX/XX/XXXX and notified me on XXXX the XXXX that due to an increase in insurance and tax payments, that my escrow amount needed to increase and this would be effective XX/XX/XXXX. On XX/XX/XXXX I received ANOTHER notification of another escrow analysis and for some reason Wells Fargo made this for period XX/XX/XXXX thru XX/XX/XXXX and notified me my escrow increase was now effective XXXX XXXX - NINE DAYS EARLIER THAN THE NOTIFICATION!! I was given NO NOTICE for this increase - in fact the statement they sent me was dated XX/XX/XXXX - the day AFTER the increase was EFFECTIVE. are n't I entitled to REASONABLE NOTIFICATION FOR ANY ESCROW INCREASE???? THEY DO N'T SEEM TO THINK SO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In order to make our next mortgage payment on XXXX/XXXX/16 ... .. 
we need to get a 'hardship loan ' from my wife 's corporate XXXX account. 
Management of the XXXX account have agreed our emergency 'hardship loan ' can be paid immediately supporting documentation is received from our mortgage company, which is Wells Fargo Mortgage.The XXXX management tells us " XXXX rules require some kind of statement that if payment is not received by such and such date foreclosure proceedings will begin. 
Can be a simple letter in company letterhead from a loan officer, but need that to release funds. '' We will be in foreclosure if we do not make the payment on XXXX XXXX, but the only people stopping us from making the payment on time is Wells Fargo. Despite asking them on the phone for written confirmation, as required above, and holding for conversations with XXXX departments, they all refused to send us the required notice which represents the true state of the loan. 
So Wells will not cooperate to send us a timely notice to enable us to pay the mortgage, and will then claim we did not pay the mortgage and try to foreclose and take our home. 
This is unfair at best, entrapment if this is not immediately taken care by overnight mail to our home of XXXX years.At XXXX years old and after very serious illness, we expect better from Wells Fargo bank.

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