vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On going saga. Insufficient funds in my checking account due to increase in my tax escrow created runaway train with Wells Fargo. Went to the bank to resolve the problem,, deposited the monies to cover the insufficient month of XXXX and also deposited XXXX 's payment to cover that month as well as that was coming due. Was told account was brought up to date and all was well. The bank representative failed to tell me that Wells Fargo closed out my auto pay connected to my checking account and ... XXXX what she should have advised me at that moment was to just " make the payment '' as depositing it would be futile ( not sure why they shut my auto pay down, seems NOT what you want to do if you are trying to obtain a payment ) they had no explanation. Anyway because of the banks failure to service my loan correctly and inform me of the shut down, I have received late penalties and they have reported me to the credit bureau reducing my credit score by XXXX points I have a thirty year mortgage history with no late payments. ... until Wells Fargo ruined it. This was an internal mistake on their end and they need to reverse it and thus far have refused to correct their mistake. I am willing to pay the penalties, but the credit score thing is very upsetting. They need to own up to the fact that they did NOT notify or inform me of the close down of the auto pay at the branch, and additionally a disclosure informing me of this was rec 'd by me the XXXX of the month ( XXXX ) when I expected withdrawal to occur on the XXXX, ( 10 days after ) as that is how my mortgage is set up with them. This bank is an on going nightmare. So frustrating .... Classic case of insult to injury.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XXXX XXXX, XXXX Wells Fargo Bank , N.A . foreclosed on a home based on a XXXX reverse mortgage, and the borrower being deceased as of XXXX. However, the home was placed in a living trust as of XXXX, and the mortgagee did not have authority to remove the home from the trust. On XXXX XXXX, XXXX the beneficiary of the trust contacted Wells Fargo to inform them that the home was placed in an irrevocable trust in XXXX, and Wells Fargo responded that the loan did not originate under a Trust Agreement. Well Fargo is intentionally disregarding the creation and continued existence of the XXXX trust agreement, as they know the trust invalidates their reverse mortgage and the debt. Regardless of whether the loan was originated under the trust agreement, the trust agreement preceded the reverse mortgage 's origination. It came into existence in XXXX as an irrevocable trust, continues to exist and can not be dissolved. Wells Fargo admits that the trust prevents the loan from meeting FHA Investor guidelines and XXXX XXXX XXXX XXXX. Yet, Wells Fargo continues to attempt to collect an invalid debt.

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 2016-10-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
My mother was a co-signer on my Wells Fargo private student loan. My parents claimed bankruptcy. Wells Fargo discovered that my parents claimed bankruptcy and hid my account. I suddenly could n't access my account online. I tried talking to Wells Fargo about it. They would n't talk to me about my account. They would n't tell me how much I still owed. They would n't tell me anything about making payments. All they would tell me is that legally, they could n't discuss my account or collect payments because of my parents bankruptcy. They said that the account would reappear after XXXX years. My parents bankruptcy ended this past year. When that happened, my student loan account reappeared, and Wells Fargo aggressively came after me, calling at least once an hour. They said that I defaulted for XXXX years. They said I owed them the entire student loan, I could no longer make payments. They said that my default voided out agreement. They reported XXXX years of backdated defaults to the credit bureaus. They destroyed my credit overnight. They turned the loan over to collections. I ended up settling on an amount. I ended up paying them with the only money that I had, which was a federal student loan. Fortunately, I was in grad school at the time. But, it really messed up my living situation because I had to use that federal money to pay off the old Wells Fargo debt.

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 2016-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
If the CONSUMER Financial Protection Bureau wants to protect my financials you will please help me with the following request. I bought a house 5 years ago. The taxes and insurance and everything or course keep going up. I bought the house for XXXX, and got a mortgage for XXXX. Today, with perfect payment history, I owe around XXXX. I have a ridiculous amount in PMI. If you are protecting my finances, then I need help removing this unnecessary expense from my mortgage payment. I know the lender can simply adjust my payment and take it off, it 's not difficult. Here is why it 's not necessary : My understanding is that PMI protects the lender? First off, why do I have to pay for their risk? No other business on earth makes you HAVE to pay their insurance to avoid their risk. There is zero risk with my mortgage. If I do not pay the bank will make money, as there is NO RISK with my mortgage, as I have over {$120000.00} of equity. Comparables in my neighborhood are selling for over {$300000.00}, I owe {$170000.00}. With that said there is absolutely NO RISK so there is absolutely NO REASON for my to be financially harmed every single month. With perfect payment history and {$120000.00} in equity, and in XXXX XXXX XXXX, XXXX of the best real estate markets in the country, this PMI payment is erroneous. Please help me from being financially harmed each month from risk that is n't risk, but merely the opposite of risk. If I do n't pay my mortgage, there is no protection needed from the bank 's part, as my house has {$120000.00}, ample equity to ever put risk on the lender. Thank you.

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 2016-06-22 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank discriminantly assesses fees and fails to adequately notify consumers of changes in their fee structures. My savings and checking accounts are being charged fees if I do not set up AUTOMATIC transfers, even if I make sufficient deposits to these accounts for the sums allowed for monthly fee protection. Banks should be required to recognize savings deposits whether made automatically or directly during a statement cycle and should provide more notice to consumer of upcoming changes in account terms beyond a checklist always included in monthly statements.

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 2016-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX, I started getting behind in my mortgage with Wells Fargo Home Mortgage. As a result of the Affordable Care Act, my Wife had her hours reduced to about 20 hours a week. I had been consulting with my Home Preservation Specialist, XXXX XXXX. She advised that a loan modification would probably be the best route. She sent me literature explaining various programs including a Modification that may extend my current mortgage of 21 years out to about 25 years and would reduce my monthly payment of {$1100.00} and to a more manageable lower payment. She took all my pertinent financial information. By XX/XX/2015 she had me set up with a trial period payment for 3 months of {$1100.00}. After a successful trial period, they would modify the mortgage with payments about {$840.00}. So, in order to make the trial payments, I had to stop paying XXXX personal loans that I had taken out to pay off some IRS debt. After the successful trial period, the best that she said her adjusters could due was extend the mortgage to 22 years to make up for my missed payments which totaled {$5700.00} making my XXXX XXXX payment {$1100.00}. I told her that was {$75.00} more than what I was paying before at {$1100.00}. She went back to the adjusters and allowed me to skip XX/XX/XXXX 's payment and modified the mortgage for a XXXX XXXX payment of {$1100.00}. I still felt this was not helping and is still {$3.00} more than the {$1100.00}. She basically said I had no choice and I could try to refinance with there refinance department. So, I signed the modification to enable me more time to try and refinance. After several inquiries to several mortgage lenders, including Wells Fargo, they told me that they could not help until I had at least 12 consecutive payments. The best Wells Fargo said was maybe six months with a VA loan for which I have a current VA Certificate of Eligibility. At this point, I felt I was ill informed that the modification would have reduced my monthly payment instead of increasing it. Now I am stuck, 5 months delinquent on the XXXX personal loans, and unable to refinance. I can not understand why Wells Fargo could have extended my mortgage out to 25 or 26 years where it would have lowered my payment. I feel that it was unfair for them to lead me into believing that the modification would have lowered my payment as explain in the flyer that they sent me explaining the program. And now as a XXXX American Veteran, I ca n't even find a company they would help me refinance

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 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been fighting with the bureaus for a year in regards to XXXX charge off account I got tired and obtained XXXX whom contacted all the bureaus and got XXXX XXXX XXXX deleted from my credit but as of XX/XX/XXXX Transunion has reinserted the account and have allowed the Bank to use a fradulant new card # and frdalunt updated activity on the account which has been charged off in XX/XX/XXXX I opened it in XX/XX/XXXX.I filed a police report for the fraud because the new account number is not mine.I still hace the old credit card with the # on it.I sent the bureaus a letter from the Bank stating the year and month in which the account charged off and the police report and a copy of the old credit card i had. ( XXXX and XXXX have deleted the account once contacted by XXXX and have not reinserted it ... Transunion is the problem they deleted it XXXX and rein serted it XXXX as of XXXX paid XXXX and they did their job.My Fair Debt Credit and Collection Act has been violated and it is against the law for this typeof action..I have been humiliated caused stress and mental anguish.I will not be submitting anymore documents to Transunion they alreay have all documents I mention in this letter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have a subprime loan ( First 10 yr Interest only ARM, then 20yr Principal, Interest, Escrow & ARM ) with American Servicing Company aka ASC, a subsidiary of Wells Fargo. It was originated with XXXX and sold to ASC in XXXX. We are seeking assistance to get ASC Well Fargo to agree to accept the release of the second lien holder letter with XXXX XXXX XXXX under the HAFA Short Sale agreement. We also would like Wells Fargo ASC and XXXX XXXX XXXX to provide a closing extension to end of XX/XX/XXXX with current buyer based on current short sale approvals. 

XXXX has agreed with my husband and I to a workout agreement as stated in the letter but has stated that they ca n't waive the deficiency. Wells Fargo is stating according to HAFA that the second lien holder which is XXXX XXXX XXXX has to waive deficiency also and state it in the letter. This has caused a delay in closing and possible restart of short sale process. Now because of the verbiage not to waive deficiency in letter with XXXX XXXX XXXX, we are being forced to file with Wells Fargo ( ASC ) as a traditional short sale, lose our home affordable consumer rights and relocation assistance. I spoke with a counselor from HAFA who indicated that the first lien holder which in this case is Wells Fargo ASC is required to waive deficiency because they filed the paperwork with HAFA. The counselor indicated that subordinate lien holders were n't necessarily required to waive deficiency, it was optional. 

We are underwater in our home value and behind our mortgage payments with Wells Fargo ASC since XX/XX/XXXX. I 've been under tremendous stress in dealing with Wells Fargo ASC. And all the back and forth between both lenders. I have small children and I 'm a XXXX patient with XXXX when under stressful situations like this. Recently we became caregivers for my mother who just had XXXX. 

We 've been in our home for 10 years and was denied by Wells Fargo ASC loan modification to put the first mortgage into a low fix rate. We did n't qualify for a HAMP because a private equity investor backs our mortgage through Wells Fargo ASC. During the loan modification as with the short sale process, I fell extreme duress because ASC home preservation department padded my file requesting incessant information regarding detail copies of our trust and life estate, having us to sign official forms stating that we live in the home, our mailing address is a postal box, constantly questioning my husband 's income and potential earnings and having us sign off. We ca n't afford to pay the balloon mortgage payments that increased our payments to {$2200.00} with ARM ( {$2400.00} because of ARM in XX/XX/XXXX ). We would like some relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
we received in the mail ; Make home affordable which they stated would take almost XXXX what we owed lower house payment to XXXX a month just follow rules on card. You had to be late on home, payment wise it seems this was a scam. So I went to NFCU to try to get home loan caught up. The girl at the bank sat there as we were waiting for a answer, I was also willing to use my paid off XXXX Toyota as collator. As the girl in bank was laughing at what was suppose to be a loan, I was denied. I hope people like her, one day happens to her .It was bad enough to get scammed let alone where you do your banking was just as bad.Dont assume your bank is there to help you. Infact it all started with a complaint against the bank. Someone was trying to use my DEBIT card all over the world, I asked for paperwork on where exactly this happened I was denied.This all started over the theft of Tmobile phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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:
Hi my name is XXXX XXXX. I received a mortgage statement from XXXX XXXX informing us that my father mortgage rates had changed and the new rate take place XXXX XXXX, XXXX. My father has been deceased since XXXX XXXX, XXXX and the house supposedly foreclosed. My mother was told that the house foreclosed. We were living in it at the time until approximately XXXX XXXX, and the mortgage payments came directly out of my father 's account. The house was auction off and we were ordered to leave. This had never happen to us before and I 'm not sure now that our order to leave was valid. ( I was in another state at the time, because I was a contractor who traveled XXXX of the time, and could be away for months or years. I usually handle things like this for my mother XXXX XXXX, but my brother XXXX XXXX had gotten her a lawyer who was supposed to help her. This lawyer charge Thousands of dollars and never did any work or appeared in court as he led them to believe. I do not think this was a real lawyer and do believe he was part of an identity theft group. ) The people who won the auction sold our house XXXX XXXX and have the mortgage still in my deceased father 's name. The name of the company is XXXX XXXX, XXXX who is listed on the property tax documents, also on documents is XXXX XXXX XXXX as owner. During my research this company has several addresses XXXX ; XXXX XXXX is a XXXX XXXX. We would like to sue the company and Wells Fargo for fraud, using my father 's, supposedly closed, mortgage account to cheat us out of our house. XXXX XXXX XXXX has been all over the media for identity theft from their employers. Rep. XXXX XXXX is vs. Wells Fargo. I contacted her office for help, and I was informed to file a complaint with the Consumer Financial Protection Bureau because I was not in the XXXX area. ). Please help!!!! My mother would greatly appreciate you helping us get our rights to ownership and a settlement for stress and distress. Thanks for your time.

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 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wellsfargo fail to honor a previous modification agreement. I requested Wells Fargo Home Mortgage to process my application for the HARP Program because I am unable to meet my current mortgage terms obligations. I am a former XXXX that was release recently from XXXX and was XXXX as a result of military XXXX in XXXX. The only income I have is from my XXXX compensation from the Veterans Administration. Wellsfargo Home Mortgage is delaying the process and claiming they never documents they need in order to complete my application. I have sent the documents in question on several occasions, still they claiming they never received the information. They are still using this delay and deception to foreclose on XXXX and Veterans I can never get anyone to return my calls an/ or address my many letters regarding a response. They are deceptive in apply their on process and procedures and phone conversation are misleading and deceptive in practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
CFPB : I am writing to dispute erroneous credit reporting of my student loan by Wells Fargo Bank in my XXXX, XXXX, and XXXX credit file. Wells Fargo is reporting that my student loan, which I have never been delinquent on, is in Chapter XXXX Bankruptcy " Wage Earner ''. This item Chapter XXXX Bankruptcy is inaccurate because I never filed Chapter XXXX Bankruptcy. I have requested that the information reported to the credit bureau be corrected on numerous occasions. Wells Fargo has responded that it was in fact an error, and that it would be resolved ( attached is a letter from Wells Fargo ). However, they only removed the erroneous information for a short period of time, and then it was re-reported erroneously months later. I am requesting that the item be corrected immediately and for GOOD. I am extremely frustrated and exhausted of having to deal with this situation over and over again. This reporting error has caused my borrowing cost to increase and has lead to instances where I have been denied credit. I am in the middle of a refinance on my home loan, and this reporting error is leading to substantial financial loss. This is how I found out that this loan is negatively reporting on my credit bureau. The lender advised that my credit report, specifically this loan, was reporting in Chapter XXXX bankruptcy. I need this corrected AS SOON AS POSSIBLE as I am expected to close on my mortgage XX/XX/XXXX. Wells Fargo has repeatedly violated the FCRA ( Fair Credit Reporting Act ), and as aforementioned, is causing me financial loss. I have filed numerous disputes in regards to this error including a letter mailed to the address below on XXXX/XXXX/2013 and I am still dealing with this issue : ( see attached ) WELLS FARGO. 
XXXX Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA XXXX I am hopeful that we can get it corrected this time! 

Thank you.

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 2017-03-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had ( 2014 ) a Secure Credit Card with Wells Fargo for XXXX XXXX they pay a unauthorized charge for XXXX $ that I never authorize, so at this point they are reporting me to Credit Bureau for XXXX amount of XXXX XXXX and I was asking to send me the contract agreement I sign but they never send.

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