vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
I spoke to a debt collection agency today. A collection showed up on my credit report that negatively impacted my credit score. Municipal Collection Services , Inc. ( MCSI ) recently called my parents, and today, I was returning the call. 

MCSI claims that I owe {$250.00} for a ticket in XXXX, IL for not having a light on my license plate. I did indeed receive a ticket claiming that I did not have a light on my plate, but I contested and appealed it showing proof that I did. 

I am a reasonable person ; I recognize that the collection agency is just trying to turn a profit on this. I would not go so far as to claim serious corruption to charge me with this. However, it is evident that, at the very least, there has been a lack of due diligence on the part of the police department and collection agency because I do not owe any debt for either of them to collect upon. I assume this is all a mistake, but the MCSI representative that I spoke with was unwilling to listen to reason. I will not be bullied or threatened with bad credit into paying a baseless charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I was trying to get a modification with XXXX XXXX XXXX in XXXX after my wife lost her contractor 's job with the federal Government and I had a life changing event XXXX due to an unfortunate accident. 
In the middle of the modification with XXXX XXXX XXXX they sold the servicing rights to Nationstar Mortgage L L C who has been reluctant to work with us over the last two years they started foreclosure proceedings even had a sale date of XXXX/XXXX/XXXX through their lawyers XXXX and Associates in XXXX Maryland, please be advised that I have attended meditation and have submitted several loan modification to Nationstar Mortgage which got lost in the shuffle somewhere please be advised that since acquiring this mortgage in XXXX myself and wife was never late or missed a payment until our unfortunate situation in XXXX. Nationstar denied our modification over and over again and each time ask us to resubmit an application which we did as recent as this month of which they gave us an alleged modification for 4 % interest rate which require a {$10000.00} down payment with a monthly payment of {$5400.00} without a a breakdown please bear in mind my current monthly payment which I am trying to modify is 4.2 % interest rate with a monthly payment of $ XXXX find this to be unfair and at this point I considering filing Bankruptcy in order to keep my home Nationstar is not very helpful and is not playing by the rules also. I have a lot documentation from their attorney telling me one thing while they are doing something else. 
Please investigate this matter we need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On my Wells Fargo credit card I made a balance transfer of {$900.00} which carries no interest for 18 months. After that I made about another {$1000.00} of purchases, which are subjust to a regular purchase APR. I made some payments and got paid from a larger contract, so when I applied my payment in XXXX 2016 my balances were as follows : {$930.00} in purchases. {$780.00} in 0 interest promotional balance. 
I made 2 payments during my statement period, {$100.00} on XXXX/XXXX/16 and {$1200.00} on XXXX/XXXX/16. The last purchase I had in the period was on XX/XX/XXXX, so the purchase balance was established with no pending transactions. 
When I called Wells Fargo Customer Service to inquire about how my payment was applied I was informed directly that the computer " splits up the payments as it sees fit '' so that any money applied after the minimum payment due gets inexplicably divided between my balance subject to interest rates regardless of the CARD act. I contacted Wells Fargo 's customer service and was told nothing could be done, I was stuck with this incorrectly applied payment. Afterwards I contacted Wells Fargo 's customer care center and conveyed my concern that my payment was applied outside of compliance with the CARD Act, and was told that I was, in fact, correct and that they had made a mistake in how the payment was applied. My case has been escalated to be reviewed and to have my payment applied correctly. 
This is highly concerning to me, as Wells Fargo is probably making millions off of unsuspecting customers or those who do n't know any better. In reviewing my account further I found that every month Wells has applied my payments in this split manner, thus preserving an interest-bearing balance on my card despite receiving amounts that should have satisfied it -- therefore still charging me interest.

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 2015-04-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have a Wells Fargo Credit Card. I have made small payments the past couple months due to some other financial obligations. I do pay well before my due date..which is the XXXX of XXXX. I paid for the month of XXXX on XXXX/XXXX/15. Wells Fargo requests a minimum amount due, which did n't meet. I received a letter from Wells Fargo last week and called the number on the letter the following day. I explained to the agent I had every intention of making larger payments and paying this card off asap and that I had always paid on time. 
The agent was not only aggressive and hostile towards me, but he was relentless. I finally hung up after attempting to assure them I was making regular payments that were on time. 
I have also paid off {$6000.00} of this card over the past 8 months or so ... which is clear evidence of my good faith in making payments to get the balance down. Then today, the Human Resources department where I work brought me a message they had called them. This is completely unacceptable that they are calling my workplace. I am the XXXX to the XXXX XXXX XXXX where I work. The tactics Wells Fargo is employing constitute harassment. Today I called XXXX again and explained my payment history, my timely payments, and good faith intentions to begin paying between {$500.00} and $ 1000 monthly on this card in XXXX. Yet they continue to be aggressive and relentless towards me. I will no longer tolerate this. I will no longer be accepting any phone calls -they need to stop contacting my employer -- and all further communications need to occur via the mail. 
They need to CEASE AND DESIST from this harassment. I am making timely and regular payments ... and demonstrate every good intention of paying down my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In previous correspondence with the Wells Fargo Executive Resolution Specialist Customer Care and Recovery Group, it was my hope to update and resolve the outstanding funds ( which were paid and applied ), seems to be in influx while the Executive Department decide whom authorized ( XXXX ) unauthorized escrow analysis. Everyday since my first contact with cfpb, I have diligently attempted to contact XXXX XXXX ( XXXX ) XXXX x XXXX and XXXX XXXX ( XXXX ) XXXX x XXXX, whom are my direct contact personnel. Today I called and spoke with XXXX XXXX @ XXXX and also XXXX XXXX XXXX @ XXXX ( located in the California offices . With XXXX XXXX I requested that she attempt to locate both XXXX XXXX and XXXX XXXX and to leave them both an email. When contacting the California offices and speaking to XXXX # XXXX, I briefly went over my account and the funds not applied. This letter arrived today, yet the letter is dated XXXX XXXX, 2015. In the letter it states that my account is delinquent and in default, despite Wells Fargo receiving {$820.00}, {$490.00} and {$1100.00}, all applied and received at the Wells Fargo Bank ( XXXX XXXX ). I myself personally deposited these funds and posses receipts. Additionally I inquired if my account was updated and if the California offices were in direct contact with the Executive Offices. It is appalling to deposit funds only for Wells Fargo to then send constant letters saying my loan is in default and that they need extra time to research funds that were deposited. It seems both agencies do not communicate with one another, thereby sending out threatening letters of default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo home mortgage has contacted me two times looking for another person. I informed them on XXXX/XXXX/2016 that I am not that person and to remove my number from their contact list. They asked me to give a message to that person which is a violation of the FDCPA. I was contacted again on XXXX/XXXX/2016 by Wells Fargo home mortgage looking for the same person. I again informed them that I am not that person and to remove my number from their contact information and to not call. The 2nd call is a violation of the FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Despite closing my checking and savings account at Wells Fargo over a year ago, they continue to send me letters and updated about my " account '' with them. I have gone twice in person after initially closing my account because they claimed I had a balance of XXXX penny. It took me three months and XXXX visits to stop receiving that type of letter. Just now I received a letter about my wells fargo online services being updated. Since I am no longer their costumer I would like them to stop storing my contact information and stop contacting me. I found my experience to be caused by repeated incompetencies and inconsistencies by Wells Fargo employees and do not feel that this matter can be resolved through their support department.

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 2016-10-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
This is additional information about case # XXXX cfpb emailed me that it has received a response from Wells Fargo National Financial Bank. If so I have been unable to read WFNFB 's response on your website. Nor can I get through to you by phone. WFNFB has never responded to me concerning my complaint except by XXXX meaningless letter. It has never provided me with a telephone number or an email address so that we can communicate. It is the most secretive, unresponsive organization that I have ever encountered. I have also filed a complaint with the XXXX asking that no late fees ever be charged to me and a fine in the form of an abatement of any amounts due to the bank. Dealing with WFNFB is light dealing with the XXXX. Since I am unable to reach you by phone, perhaps you could call me at XXXX and read to me the bank 's response

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 2015-12-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Loan # XXXXI purchased property approx on 2007 with a pick pay payment finance by XXXX as my primary lender then ; loan was sold to Wellsfargo. Since then I have been trying to requested Wellsfargo to help me modified my loan due payment increment constantly. I hired an attorney to help me with modification process and it still pending ; nothing happened yet. i had been trying for the last XXXX times and lender refused to help. Also was forced to filed ChapterXXXX Bankruptcy to save my home and nothing happened. Lender refused to help me or place me on a better affordable payments and instead my monthly payment increment more and more. It makes very difficult for me to keep my property. I have been cooperating with lender since then but lender is putting me on the spot to loose my property.. I need your help since I do not know what else to do anymore ; I feel that this is a case of a predator lender overcharging me more that even property is worth or I can afford. I have been trying very hard to make payment but Wellsfargo is refusing to help me. If is anything you can do to help me i will appreciate much! I need to keep my house or a lease requested the lender to place me on a affordable modification program.. i am afraid of losing my property that I have been working so hard to keep it. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by denying XXXX a loan modification for which they qualify for and not serving in the best interest of their Loan Investor and denying the Homeowner a fair opportunity to keep their home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been charged {$240.00} in overdraft fees over the last XXXX days alone. Many of these coming in the same day. Yesterday I was charged another fee, even though a deposit had been made in the account. I am now being charged overdraft fees for being over drafted. This is ridiculous and I can not afford to pay {$240.00} in over draft fees. My balance is currently XXXX with {$240.00} of that related to overdraft fees. I can not believe that this is legal or allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I purchased a home XX/XX/XXXX and took out a mortgage with a 30 year term from Wells Fargo to finance this purchase. I refinanced with another lender in XX/XX/XXXX. I recently received a refund from my Wells Fargo Escrow account in the amount of {$150.00}. I believe I am due much more than this amount as explained below. 

Wells Fargo collected a total of {$5800.00} from me to cover my escrow account expenses. 
Below is a list of the dates and amounts of each escrow payment I made to Wells Fargo. 
XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXXWells Fargo escrow payments on my behalf XXXX {$1400.00} - XXXX and XXXX {$1400.00} XXXX XXXX Tax XXXX {$1100.00} - XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX and HomeThe payment of {$1400.00} to XXXX XXXX on XX/XX/XXXX should not have been made. I switched insurance carriers from XXXX XXXX to XXXX XXXX XX/XX/XXXX and notified Wells Fargo of that. Wells Fargo paid my XXXX XXXX premium of {$1100.00} on XX/XX/XXXX but also paid XXXX XXXX {$1400.00} six days later and apparently expects me to cover this payment. Total legitimate Wells Fargo expenses were {$4000.00}. My escrow overpayment was {$1800.00} which I 'm requesting Wells Fargo refund to me. 

When I refinanced the mortgage XX/XX/XXXX the total loan amount I owed to Wells Fargo was {$110000.00}. The payoff total they supplied to my new mortgage company was {$120000.00}. This resulted in an over payment of {$1200.00} to Wells Fargo which I 'm requesting Wells Fargo refund to me. 

The total amount due me is {$1800.00} Escrow Payments {$1200.00} Final loan payout $ XXXX {$150.00} = {$2900.00}. 

I 've attached the following:1. My XX/XX/XXXX mortgage statement from Wells Fargo showing the remaining amount due of {$110000.00}. My HUD Settlement statement showing a payment of {$120000.00} to Wells Fargo. 
3. A Wells Fargo Account Activity statement detailing the same payment. 
4. The Final escrow account disclosure from Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I received a check from XXXX to deposit into my account. After I deposited the check, the bank told me that the check is counterfeit. They closed my personal checking account along with my husband and my joint account. The fraud department told me that I have committed fraud. I believe that I am the victim in this situation and not the fraudulent person. We have been with Wells Fargo Bank since we retired and moved to FL 6 years ago. The bank wo n't let our mortgage check get paid from the joint account or let us use our money from that account. I think this is wrong and accusing me of fraud is wrong. Wells Fargo Bank has been very nasty to me and my husband about this. If they want to close an account, they should just close the account where the check was deposited. I do n't think they need to close an account that did not have the counterfeit check deposited. Wells Fargo bank told me that since I deposited a counterfeit check that I will never be able to have an account at their bank again. They are punishing me even though I am the victim. They wo n't let us have access to OUR money. I am ready to hire an attorney to deal with Wells Fargo and their saying I committed FRAUD and shutting down our joint account with my husbands social security money in it. They wo n't say that I am the victim with the fraud business that paid me with a counterfeit check. I make all of my deposits thru the ATM and they say that since I deposited the check thru the ATM that it is FRAUD. If they look at my history, I always deposit thru the ATM! I think Wells Fargo Bank has falsely accused me of FRAUD and not going after the people who wrote and sent me the counterfeit check is the easy way out for them. Wells Fargo Bank should investigate who the people are that wrote the counterfeit check and shut them down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo refuses to release funds in our account or tell us why it wo n't release funds. 
My husband and I are the successor trustees on a trust account. We opened this account in the XXXX of 2015. At the time we provided Wells Fargo a legal opinion from a lawyer and XXXX written statements from licensed physicians that the original trustee was incompetent. We also provided the pages from the trust naming us successor trustees in such an event. Wells Fargo opened the account and accepted the funds deposited into it. On XXXX XXXX, 2015, Wells Fargo wrote us a letter saying it was closing the account and would mail us a cashier 's check for the balance on XXXX/XXXX/15. It never mailed us the cashier 's check, and it has refused to release the funds or tell us why it wo n't release the funds. The balance which Wells Fargo refuses to release is {$10000.00}. When the promised cashier 's check did not arrive, I went to the bank in XXXX to ask for it. Wells Fargo told me there was a " debit hold '' on it, but it would not tell me any more information. My husband and I then made an appointment to speak with a Wells Fargo banker about this on XXXX XXXX, 2015. Wells Fargo confirmed this appointment by e-mail and telephone, but then no banker would meet with us. After thirty minutes we went to a teller window and demanded to see a banker. A banker finally met with us, and we presented identification and demanded a cashier 's check. The banker said the was a " debit hold '', and we demanded to know the reason for it. The banker asked us to wait while she investigated it. We left after an additional forty minutes and demanded she telephone us with the reason why Wells Fargo would not release the funds. She did telephone later that day to say she was still investigating and it might take until the next week. On XXXX XXXX, 2015, this banker asked us to provide the Trust title page, execution page, and pages naming the trustee and successor trustees. Even though we provided all of this when we opened the account, we had our lawyer provide the requested information to the banker. Now, one week later, without any request by Wells Fargo for any more information, Wells Fargo continues to refuse to release the funds and it refuses to say why it wo n't release the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
My mortgage is at about 6.5 %. Refinancing sounds like a good idea -- as far as getting a better rate, lower payments, etc. -- but I do not trust the entities that are holding my mortgage or that are offering the refi 's. I suppose that this is mostly about my fears regarding the mortgage, in that none the other entities involved in my mortgage -- original bank, inspectors, appraisers -- seem trustworthy. The value of my home has been re-assessed downwards twice by my home county since closing. I am aghast that no one had a fiduciary responsibility but me. In that a refi seems to mean that the bank is willing to earn less from me for the mortgage over time, I start looking for hidden dangers. No way would they reduce my side of things once they 've got me on the hook. 

Can you help to explain how refi 's work, what I should expect and what I need to know to feel more comfortable about 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