vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2015-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Why the title insurance company charges exactly the same fees for a refinanced loan, with the same lender, the same borrower, and for the same property. It is a ripoff and is approximately XXXX of the total cost of refinancing a loan with the existing lender. The title company should prorate their charges for additional new loan amount. For example, from an existing XXXX loan to say a XXXX loan - on XXXX only. For example, if a {$1200.00} fee was charged for the original loan amount of XXXX to the same borrower, the new title fee should be charged on the balance amount of XXXX, and not on the full loan amount of XXXX. This new title policy should be an amendment to the original title policy, for a reduced fee of only {$250.00} instead of the full fee of {$1200.00} again. 
The CFPB should immediately order the new rule on all home refinancing if there is no change of lender, borrower or property, except the loan amount. I assure you my proposal will save XXXX dollars to the homeowners who are refinancing their existing loans. The title insurance companies are cheating millions of homeowners by issuing revised policies that are for the 30-year life of the loan. The new policy fee should be based on XXXX factors ; 1. say the original 30 year policy on the loan is currently valid only the remaining 25 years, so the new policy rate will be based by for 5 years and not the entire period of 30 years. 
2. XXXX, in case of cash out, the fee should be charged for only the amount of cash out, and not based on the full amount of the loan. 
Thanking you in advance for your kind consideration. 
My name is XXXX XXXX Telephone XXXX. I have lived in my house at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for the past 28 years. I had to refinance my loan several times during the past 28 years to take advantage of the interest rates, and pull out some equity. I am a XXXX years old senior citizen, and equity in my home is more than XXXX the loan amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Our XXXX XXXX XXXX is owned by XXXX and serviced by Wells Fargo. We applied for XXXX. WellsFargo told us we must be delinquent on our payment in order to apply for XXXX. After ruining our credit by not paying for 4 months, and enduring four months of bureaucracy and insulting treatment ( including demanding to know if I was pregnant ), they denied our application. We investigated the XXXX guidelines, since we understood we were indeed eligible, and reapplied several times, yet each time were denied by Wells Fargo. They insist on bullying us, for many years calling up to 16 times per day, although were are not now ( over the last four years ) more that 25 days late. We feel they have 1 ) violated our privacy and 2 ) refused a legitimate loan modification, accepting Federal Bailout funds but refusing to apply them to our legitimate case.

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 2015-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have hit XXXX % of my original property value several months ago and have tried to have my PMI termintated several times. I was under the imppression it should be removed automatically when I reached XXXX % of my original homw value. However, Wells Fargo has stated repeatedly that I can not have my PMI terminated without an appraisal. This is true of Cancellation. However, I am referring to Termination which has different requirements. None of which are appraisal. Wells Fargo dragged there feet for 3 months after filing all my paperwork to refinance at a lower rate. And now with the PMI termination. I believe this is an unscrupulous tactic employed to exploit the consumer and should be addressed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I overpaid WellsFargo the balance of my consurmer line of credit. After the payment has been applied it shows a balance of ( {$62.00} ). I was expecting the credit amount to be sent to me. Instead, Wellsfargo kept the money and the balance is now XXXX. They refused to send me my refund money.

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 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Reading the report investigation regarding Navy Federal Credit Union and the issue of locking out members from accessing their account ( s ) & bank cards from XXXX. I would like to report that the practice has continued into XXXX as my online access was blocked for a few months now as my card to date but this has happened to us since XXXX. My son has had this same issue since XXXX to date as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received communication from a company called XXXX XXXX ( XXXX ) account # XXXX in XX/XX/XXXX, asking me to make a payment settlement to account I have no knowledge of, however it claims it was an inherited debt. In XX/XX/XXXX, I phoned XXXX inquiring about the debt. I was placed on hold, after informing the representative on the phone I was recording this conversation, and he never returned. In XX/XX/XXXX I sent XXXX a certified letter ( XXXX XXXX XXXX XXXX XXXX ) requesting they validate the debt, and if this is in fact a verified debt of mine, I would pay it. I did not receive a response to their letter. Upon no response, I disputed this account with the credit agencies ( all XXXX ) only to be informed the account is validated, and therefore there is no change on my credit report. Months have passed with me disputing through the credit agencies, and I have once again sent XXXX another letter, this time certified return receipt ( XXXX XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX XXXX ). I have since received the receipt back, however XXXX still has not validated this account, and refuses to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
It has been over a year since we have been trying to get a response from Wells Fargo mortgage regarding a short sale of our property. We have a lawyer working with us and she just sent me an email requesting that I file a complaint about Wells Fargo. She said that Wells Fargo has stated that it is stuck in " Mortgage Insurance '' and that is what is causing the delay. We have a buyer for the house who will bale-out if we do n't get this to settlement. We could no longer afford our mortgage payment so put the house on the market and we are renting another place. We applied for XXXX loan modifications through Wells Fargo and they were turned down. In 2008 we refinanced to an interest only loan of 8.28 % thinking that we could refinance later on. Well that is when the market fell our and our home value took a " deep-six ''. We want to get this resolved asap. We are still paying utilities on the other house as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My mortgage was due on XX/XX/2016. I was behind due to illness from family and was working overtime to pay. I just got paid on XX/XX/XXXX and was behind in utility bills, so I paid those bills and with next paycheck to be directly deposited on XX/XX/2016 I was going to pay my mortgage. To my surprise Navy Federal went into my checking account and debit my mortgage payment, without authorization from me or my husband. When I called the about it, I was told if my mortgage was 16 days past due, they had the right to go in and take my funds from my account, with no notification. Told me they had control over funds in my account and my account could be frozen with no access granted. I have been struggling to pay, but have paid. This will result in my other bills not paid, like utility, food. I could not believe they would do this, without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In early XXXX Wells Fargo Bank issued a credit card in my name to an unknown person at an address XXXX despite fact that my official address on the record is XXXX. A discussion withe an agent assured me the card had been identified as bogus but not yet closed and I had not been informed. I subsequently received a letter from Wells fargo which said " your card has been closed ''. Also received a zero balance statement which seemed to legitimized the card. I called and spoke with XXXX XXXX a supervisor who told me this is standard procedure. I told her I wanted a letter with the correct details.

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 2015-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo received a verbal appeal on XXXX XXXX, 2015. This was the only time we were given to verbally discuss XXXX mortgages with Wells Fargo underwriter at a meeting set up by XXXX XXXX. On this date Wells Fargo underwriter, XXXX XXXX, requested our appeal to be written. This written document was never reviewed. 
Instead of a response to our appeal, our modification that we had just finished all the trial payments on, was being withdrawn because we had appeal request. This is the second time Wells Fargo has withdraw our modification when we asked for a review of the information they are using. Our trial payments have been made on XXXX different modifications. They have been completed twice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo charged interest on the full amount which does not recognize multiple payments made within the billing cycle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is against Wells Fargo Bank for violations of the terms and conditions of Federal government 's mortgage modification program ( HARP ). Violations of the law include but are not limited to the following:1 ) A blatant miscalculation of income. ( Adding a 25 % increase in income on a household contributor even when it was not supported by fact, law, or the documents submitted ) 2 ) Taking longer than XXXX days to deny the appeal. 
3 ) Not following the guidelines for the application and appeal process set forth by the Federal government for loan modifications. 
4 ) Wells Fargo falsely falsely accused customer of not submitting enough documentation to support appeal of original denial. 
5 ) Customer we given false and conflicting reasons for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Integrated Recovery Services
State: FL

Complaint narrative:
After I and my superiors told numerous Employees at Integrated Recovery Services that I am not allowed to receive calls at my workplace, they persistently continued to call my workplace. They also leave messages about my private information on company voicemail. I also asked them to stop calling my personal phone. The employees at this collection company are being rude and lying about who they are in an apparent scare tactics. I have saved all voice mails from this company and they can be heard calling themselves attorneys and public defenders amid other threats such as garnishment and court. I have not received a single piece of mail from this company called Integrated services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I received a bill from Peter Roberts and Associates INC. stating that I owed {$270.00} to XXXX from an old account that was handed over to them. I have never received a bill from this company or any demand for payment. 
I do have medical insurance and it always gets checked before any doctors appointments. I called my Dr. just to clarify, who uses XXXX and they told me that they never sent anything to Peter Roberts and Associates regarding my account. I tried calling Peter Roberts multiple times, however it goes straight to an answering machine.I left multiple messages, but never received an answer. Please look into this issue, as I am lost why I got this bill. Others have been contacted by this company which appears to be fraudulent. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Double-billed for XXXX transaction by Dillards, XX/XX/2006 & XX/XX/2015. 
Transaction # XXXX. 
Payment deducted from credit card ( {$100.00} ) on XX/XX/XXXX Payment pending ( {$100.00} ) for XX/XX/XXXX. 
Informed by Dillards that pending transaction would be nullified on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have been paying my mortgage payments almost every time on time and in full since 2004. My monthly payment is XXXX and my interest rate is 8.250 %. I am having trouble paying my student loan and other payments. I had asked my lender Wells Fargo about the HARP program when I first heard about it, but they brushed me off. So I was delighted when I received some years later a letter from Wells Fargo asking me if I wanted to apply for a refinance with them involving HARP. I filled out the paperwork and sent faxes and emails and the XXXX reps I dealt with by email and phone seemed very responsive and assured me it would go through. There was nothing telling me that things were n't going well. Then I got a letter saying that my credit score was too low for them to take a risk. I had told them all along I was having trouble meeting my student loans and some other bills. That 's why I needed a refinance. Also I had been paying a higher payment for ten years to this very same company! But they did not take that into account, treating me like I was a new customer to them. Meanwhile I am still having trouble paying my student loan and credit card bills, and wondering what I can do. Not sure if anything can be done about this. But I can tell you I am not very happy with Wells Fargo. Yesterday, got another letter from them telling me " I could qualify for a lower payment through HARP!. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have an open investigation with the servicer of my loan, XXXX. I had also submitted my packet for a loan modification to be reviewed, and XXXX said that I do qualify for different programs to do a modification. My issue right now is that XXXX is the servicer, and Wells Fargo is the one that illegally foreclosed on my property in a sheriff sale yesterday. Wells Fargo does not even own this loan, even though they sold it to XXXX 2 years ago, the new servicer was XXXX and XXXX owned the loan, Wells Fargo had no right to initiate or continue with the foreclosure proceedings, and they have that on record and they know fully well what they 've done. I would like Wells Fargo investigated, because I have a letter from them showing that they acknowledge that I was releasing account information, for my loan modification, when I went into court on Monday, to ask the judge for more time pending the investigation and also for my modification to go through, XXXX, the law firm that represents Wells Fargo told the judge that they spoke with their contact over at Wells Fargo, and Wells has no record of any conversation whatsoever since 2012 with me. The law firm went on the record to say that Wells Fargo wants to proceed with the auction, how can that be when I have the documentation and I tried to show the judge? This has been a highly illegal foreclosure since the beginning, and now they just illegally took my home. The signatures of fake employees, securitization, unilateral assignments, and multiple other infractions of fraud is just the tip of the iceberg. Wells Fargo had plenty of opportunity to make this right, but since they are a big bank and they have a track record for doing this, they proceeded. My civil rights have been violated, why are they allowed to get away with blatant fraud? I am fed up with their games.

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 2016-02-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo and a group called XXXX keep charging my account when I have asked them not to. It has gotten to the point that Wells Fargo says call XXXX. XXXX says to cancel the service, a service I only wanted to for six months ( it was useless - not one lead ) that XXXX says I need to pay them {$240.00} to cancel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I asked Ally Financial to cease all phone calls through a written letter I faxed. I also sent a second letter after they called my home again at least two times a day. I even told a representative over the phone I wrote the letter and she said it did n't make a difference. They gave me 30 days notice by mail ( dated XXXX XXXX ) to make a payment arrangement and repossessed my car ( XXXX XXXX ) anyway without giving me the 30 days. I explained to them in the letters I attached I started a new job and would n't get paid until XXXX XXXX. Ally does n't follow laws or promises to consumers.

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 2017-03-03 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
This account is and has been resolved since XX/XX/2013 but Wells continues to report balance owing on my credit for the past few years.

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