vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo processed a large item first so that they could charge a fee for the smaller items. I should have only paid XXXX for fees instead they charged me XXXX. The ATM took my monies which create an erroneous balance. The bank refused to cover fees that were created because my account did not have enough funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am XXXX yr old single father on XXXX. I have been trying to negotiate my mortgage modification with Wells Fargo Bank for a solid 4 yrs. That being said I have been assigned no less than XXXX " Home Preservation Specialist 's ''. I have never been able to speak directly to any one of them, leading me to believe they are fictitious names. In paperwork correspondence WF gives you your " specialists '' extension number, When you call them you are not even given option to dial ANY extension number. 
The reason for this letter is not only for my own relief, but to highlight what continues to be a practice of toying with troubled homeowners until they have no options but to foreclose. 
Wells Fargo deliberately ignores the efforts of homeowners to make reasonable arrangements, even when they become possible for the homeowner. They need to be stopped. 
Thank You in advance for your shedding light on this serious problem. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union is still reporting my vehicle loan as late for 90 days. I paid this car off XX/XX/2014, so I am not late on this, and upon payment, they stated they would delete this off of my credit profile since I asked for this because derogatory information was showing on my profile. They performed a " bait and switch '' just to get my payment. I paid them in full, and they are reporting my account late. They need to remove this off of my credit profile or at least remove any late payment history they have for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Contacted a firm - XXXX XXXX ( seller ) whose email had unknowingly been hacked, to inquire about a product ( XXXX ) for sale, unbeknownst to me ( buyer ) & seller, an intermediary was relaying email messages between buyer and seller. At the point the seller sent bank wire info, intermediary substituted the Email attachment with correct bank info with his own attachment with intermediary 's fraudulent bank account information. 

I issued recall request with my bank ( XXXX XXXX XXXX XXXX ) but the receiving bank ( Wells Fargo ) denied the request to return funds ( {$8200.00} ) despite stating in their formal response that account holder name and account information did not match the beneficiary information in the wire transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Well Fargo XXXX took {$300.00} out of my business saving account with out my permission or authorization on XXXX/XXXX/2016 and will not return my 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 2015-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I paid my credit card bill on the due date of XXXX/XXXX/2015 in the amount of {$210.00}, which Wells Fargo took out of my XXXX Checking account immediately overnight. The next thing I find out is that they put a XXXX day hold on my XXXX charge card, saying they never received the {$210.00} because my account was overdrawn. I have overdraft protection at XXXX and I paid the {$32.00} overdraft fee when Wells Fargo got their {$210.00} payment. XXXX faxed over a letter to Wells Fargo stating that they did get their {$210.00} payment, but Wells Fargo is refusing to believe them. They are still trying to tell me the payment has not cleared, even though they took the {$210.00} already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: OH

Complaint narrative:
Please see attached email conversations where we have been lied to repeatedly about an escrow refund check. Also see photocopy of the check, dated the XX/XX/XXXX, along with the envelope dated the the XX/XX/XXXX. As can be seen from the emails and documents, Franklin American Support Representatives did nothing other than send false information out regarding the check. Based on that false information, we asked for a new check, only to have the original check arrive the next day. We immediately notified them by email of receipt and asked to have the stop pay process halted. 3 days later we were told we would have to wait again for the refund. Due to health and work issues, this refund is very important, and we do not trust Franklin American to handle in a timely manner. We also do not feel that Franklin American has acted in a manner consistent with the requirements of a fiduciary regarding these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I faxed loan modification reinstatement documents to the Wells Fargo Home Preservation Department on Friday, XX/XX/XXXX, at XXXX, at Wells Fargo Bank Branch , XXXX , CA. This is my fourth submission for loan modification. In addition, I have applied and been approved three times with KYHC, but Wells Fargo has rejected the funds. As a result, I am in foreclosure in three days, XX/XX/XXXX. I need immediate intervention to stop this illegal foreclosure sale of my primary and only residential property, purchased in XX/XX/XXXX. Predatory loan originated in XX/XX/XXXX when I refinanced the loan with XXXX with brokerage agent. As a result my excellent credit has been destroyed and my health has been greatly compromised. Please review this case ASAP. Thank you for looking into this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Mortgage paid off by XXXX XXXX/they requested pay off amount from Wells Fargo ( XXXX 2015 ) WF gave them a figure, check was issued, then WF called back to XXXX XXXX and said they needed additional money to pay off debt - XXXX XXXX sent second check in the amount requested - paperwork submitted shows account with XXXX balance. Then in XX/XX/XXXX an automatic charge appeared on my checking account for what was the monthly payment ... I challenged it with my bank XXXX XXXX XXXX, provided them my documents and they supported myclaim and refunded the money taken by WF. Then WF tried to debit my account again in XX/XX/XXXX - same procedure, challenged with my bank and they again agreed and the charge was reversed. Now WF calls this house 3-4 times a day, we have tried to block the number but they must be using a different number than what is showing on the caller id ... ..We can not get them to stop ... they call at XXXX XXXX every day, including week-ends, call later in the afternoon and at night ... .Have even answered once or twice trying to explain why we no longer owe this amount ... .they continue to call ... .we need help stopping this harassment.

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 2015-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am executor of my mother 's estate. She passed three years ago. I am in the process of selling her home. Issue : Bank/mortgage lien on home. 
Three years ago I closed XXXX IRA accounts and a home equity line of credit. The bank told me not only to be sure the heloc was {$0.00}. but that it also is closed. I made sure this was done. I now find out that a mortgage lien is still on the home during closing. Wells Fargo did NOT inform me that a lien still existed when the account was officially closed. My mother never even used this line of credit. I was very surprised that I had to provide a mortgage paper to request a payoff and a release of lien The home was paid off at least fifteen years ago. It has been seven days and the lien has still not been released by the bank. The business manager at the bank told me that working for Wells Fargo he is also surprised to see many closed home equity line of credit accounts that are closed in the computer but have liens open on homes. Apparently there is no law or incentive whatsoever for the bank to notify customers or remove the lien. A special written demand must be provided to the bank. Again no one is told they need to do this once the account is closedI contacted my lawyer and he informed the bank can take up to 60 days to release the lien. This is absolutely wrong! A law needs to be invoked to stop this bank practice. Many people have liens on their home that do n't even know it. 
I understand XXXX XXXX XXXX and others do the same thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I took out a mortgage with XXXX Bank XX/XX/XXXX. In XX/XX/XXXX I started calling the bank asking for help. They told me they could n't help because I was not behind on my payments. I kept hearing things on the news that there was help for people who 's homes lost value in the crash. I call my lender back several times and was told the same thing we cant help you unless you stop making your payments. So in XX/XX/XXXX I stopped making the payment on my home and was told I could do a loan modification were I submitted everything they ask for. They told me someone would get back to me. Months went by and I herd nothing back from them so I called to see what was going on. I was told they needed more info which I provided for them yet once again nothing from them and then in XX/XX/XXXX they started a foreclosure and on XX/XX/XXXX I filed a Bankruptcy and let the Trustee know of the Bankruptcy however they sold my home on the steps that Morning for XXXX. They Later returned the money to the buyer XXXX. The bank never contacted me after that for years and then they called wanting to know if I would like to do a loan modification again. I once again started the process with no luck I had not filed my taxes for a couple of years and had no proof of income. The bank has now started the foreclosure again and is set for XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX and now that the bank is finally doing what they should have done years ago I 'm going to have to start the clock over to buy a home. This is going to cause me great damages not to mention I have been told that they have passes the statute of limitation of 6 years. They have tried to cover this up by changing the last Payment date to in the current Foreclosure to XX/XX/XXXX. This is not accurate and once again the big bank is taking advantage of the consumer/ Homeowner. I have called the Trustee and informed them of this they said they would look into it and get back to me. They never get back to me and the sale is still scheduled for XX/XX/XXXX. I do n't know what to do at this point but this is not fair they should have taken care of this years ago and now there cheating the system by changing dates and causing me long term damages. My loan was supposedly sold to Wellsfargo that who started Loan modification but it still shows XXXX bank in Notice of default very confused who is my lender. Please look at this and get back to me ASAP so I know if I have any options. 

Thanks 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 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have noticed Wells Fargo has been reordering the order of my transactions to maximize overdraft fees on my checking account. This happens on a daily basis. Transactions over five days, will load at once a week later so my balance is never accurate. Furthermore, my deposits are greatly delayed so that I will also continue getting overdraft fees for days until the " pending deposit '' is applied. The general point, is Wells Fargo is manipulating the order of transactions, when transactions are applied to the account, and when deposits are applied to the account to ensure the maximum amount of overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: HONOR FINANCE, LLC
State: NV

Complaint narrative:
I have set up payment arrangements for my account, and found out complaints on this company before the head office said I would n't be getting anymore call about my account until the end of my payment arrangements, but no one is noticed the account each rep that keep calling is getting ruder. Last rep has threatened to take my car at any time he wanted to because he is the only XXXX in charge of my account he do n't care who I talk before hand, and he when on disrespecting me to point i had to disconnect the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
Back a while I had gotten a payday loan. My bank account info had been compromised by someone. I made a report to the FTC regarding it. I had to make a few changes to my account and payments being made from it. I became delienquit with my payments. I received a call from a XXXX XXXX claiming to be from XXXX. He stated that they were after persons who were defrauding theses payday loan companies. Since my account was considered delienquit, they had my account info. If I paid the Out Of Court Restitution it would be done. I made XXXX payments before I noticed something 's in the paperwork that did n't seem quite right. I just need to know if the documents I have are legit or have I been had? Thanks!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened an account by going into a branch in XXXX, VA. I just wanted checking the man convinced me to open savings also. In talking about the account he said that there would be fees but they would be waived if I meet some qualifications like using my debit card at least 10 times a month, keeping a minimum balance. A few months later I noticed I was charged an account maintenance fee. I assumed I did n't use my card enough times and made sure to use it more and forgot about it. Month later I saw I was still getting charged the service fee and called Wells Fargo to find out why. they said I did n't Have the account that I thought I did. I asked what is the difference between my account and the one I was told I was opening and she said a one has a fee regardless and one the fee can be waived ( which does n't even seem accurate if you look at the statements ). She kept saying that it was stated in my statements but I have online statement only and never read them since all account history other than the fee is easily viewed online. I looked through all of the papers I was given when I opened the account and nothing was specific to the type of account or the rules regarding the account.

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 2016-10-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo has not complied with any of my legal requests for debt validation, recordings, copies of the note to prove who owns the property. Where the property was recorded. Discharges from the XXXX and XXXX proving they used the XXXX they scammed me for was really used for said purpose. They responded to the CFPB that the XXXX was used to payoff existing mortgages. They sent you a copy of what they filed with the Title company to steal the XXXX. They love scamming the elderly. Again, I live on social security and have recently retired because the XXXX I worked for have retired. I 've been a XXXX for over 35 years. I 've worked in the XXXX. The debt validation letters should follow Massachusetts Fair Debt Collections Practices Act Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I applied for assistance with Wells Fargo Home Mortgage after falling behind on my payments. I hired an attorney to assist me submit all of my paperwork. My attorney states i qualify for Making Home Affordable. Wells Fargo denied me stating the only reason i was denied was because I did not file my XXXX income taxes. I did not file taxes because my income was XXXX for that year. However, after receiving a denial letter stating they could not approve me because I was missing my taxes, I filed them. My attorney forwarded the filed taxes and appealed the denial within the timeframe allowed. Wells Fargo Home Mortgage denied my appeal 6 days later without considering my newly filed taxes. I am told by my attorney and others that this is normal for Wells Fargo Home Mortgage. It 's all part of their FRAUD they commit against their account holders. In my case they are purposely trying to evade giving me assistance so they make up stupid internal rules and block me from re-applying after my taxes were filed. They now say I have to go through the reentry team. A department of Wells Fargo that is ILLEGAL per RESPA Regulation X. Wells Fargo and any servicer is not allowed per RESPA Reg X to " EVADE '' reviewing me for assistance. I have no sale date and Wells Fargo simply wants to use the excuse of their procedures to run out the clock on my time and set a foreclosure date. They already filed a NOD on XXXX/XXXX/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 2016-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Although Wells Fargo is not attempting to collect the debt at this time, they are punishing me through incorrect credit bureau reporting, in violation of the Fair Credit Reporting Act. Wells Fargo continues to report vastly different information to each of the credit reporting agencies about a line-of-credit loan which was paid in full through Chapter XXXX, including the reporting of past-due amounts even during the final year of the Chapter XXXX repayment period! 

Although their reporting to XXXX is the most damaging of the XXXX, there are errors on all of the credit bureaus ' files. 

After disputing multiple times with the credit bureaus, only to have no updates done, I have sent Wells Fargo a letter asking them to please correct the inconsistencies and provide all three credit bureaus with the same information update, but they have not responded to my written complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Control Services, Inc
State: OR

Complaint narrative:
I have already paid this debt in full but XXXX XXXX still have on my XXXX has not notified them that it has been fully paid with interest so it is troubling that I in good faith paid it up but they have not do their part. I notified them but thinking about a legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
Had a collection notice from midwest recovery services appear on my credit report for a payday loan front cashnetusa for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation