vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo. This is my XXXX complaint. This time, no one will return my call to let me know what my monthly payment would be IF I decided to pay off the taxes that they paid for me in full.

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 2016-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
HAS A DANGEROUS AND INSECURE TELEPHONE BANKING PRACTICE THAT REQUESTS ATM CARD OR BANK ACCOUNT NUMBERS THAT CAN INTERFERE WITH DRIVING, AND ARE INSECURE, AND ALSO COULD NEED TO BE MODERNIZED WITH VOICE COMMAND PER THE USE OF XXXX, " SAFE CALL '' PROTOCOL, XXXX. XXXX REQUIRES FAIR MARKET RESEARCH PAYMENT FOR USE OF ANY OF THESE VALUABLE RESEARCH RECOMMENDATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
A financial institution which requires military affiliation to join was notified of fraudulent misrepresentation regarding a member who has never had a military affiliation and became a member by opening an account while living in another state due to the state presently living in affords no opportunity for the person to obtain any type of checking account. It is apparent that this financial institution does not properly conduct its due diligence for verification purposes to allow a person who has already been convicted of illegal account activity by kiting over several years time. 
The securities department was contacted after numerous discussions with law enforcement, district attorneys and investigators and following their advice contacted victims of fraud which include this financial institution. Realizing this is the internet era where much is done online absent walking into a financial institution and giving the drivers license to a banker to open an account only to find out dozens of banks had reported NSF, Kiting, overdrafts, etc. Treated badly by a securities young lady at this financial institution who had no care whatsover that fraud exists. 
As a military dependent most of my early years and later on as a military dependent of a spouse, I find the conduct by this institution 's security/fraud division so egregious that it shocks the conscience.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am working with XXXX XXXX I was told to pay wells Fargo for an appraisal for my lot, it was appraised at XXXX. I signed documents to sell half of it and negotiated XXXX but in order to get the split approved to sell half of my lot Wells Fargo said FHA WANTS all of the XXXX to split the lot. 

Why? in most cases I was informed that XXXX was the pay-down requirement. why is wells Fargo saying FHA demands 100 % of the proceeds to pay-down the mortgage. I understood that XXXX to was the normal pay-down I believe that only 10k should be required as a pay-down since the lot is only valued at 10k and I should be allowed to keep the rest and pay off my personal debt or I will have to foreclose my entire property. 

I need to get FHA to approve the lot split of {$10000.00} not the entire sell or I will only sell it for XXXX because I believe this is a form of discrimination. I have had major difficulty paying my mortgage and I need to pay off debt that is independent of my mortgage, if I am not able to pay off other personal debt and all of the proceeds need to go to the mortgage I will continue to have this other independent debt. 

I have a XXXX student loan I need to pay it off and not just put all the proceeds in XXXX bucket. Who can help me fight this with FHA. 

Paying the mortgage down is unfair if I am required to use the entire proceed. I have recently requested a modification and if I am able to keep 50 % of the proceeds then I can pay my mortgage and the student loan and other debt and still pay down XXXX of the loan. I believe {$10000.00} is fair. 

For FHA to demand the entire amount is UNFAIR AND UNJUSTIFIABLE when compared to the APPRAISAL AND THEREFORE I FIND IT DISCRIMINATORY. 

XXXX told me I can file a complaint. Where do I file this complaint and what is the process? 

{$270000.00} mortgage limits in Michigan FHA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union reported my loan late to credit bureaus when it was their late fees & interest that is charged after 10 days. Due to unemployment the monthly payments have been more than 10 days late. However my loan has NEVER been 30 days late. Initially the total in late charges & interest was {$400.00} and I have paid down to a {$190.00} balance and this is the balance they are reporting. I was granted a signature loan for which the last payment was due XXXX/XXXX/15. I made the last payment in XXXX and the principal is paid off. At the time of the loan my credit score was XXXX. The reporting of these late charges & interest, after the principal has been paid, is detrimental to my credit. 
The credit union has also taken money out of my account and has a hold on my savings account for these charges although I have explained the circumstances and that I can not pay the remaining late charge balance at this time. I do n't understand why they are still reporting the late charges when they have the hold on what 's due them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX, XXXX, and finally on XXXX I attempted to transfer {$21000.00} from our account at Wells Fargo to our account at XXXX. On the XXXX I contacted XXXX from the Wells branch on XXXX XXXX XXXX and he provided specific instructions to make this transfer through XXXX, XXXX 's fed wire agent ( routing number, account number, account name, etc. ) while on a conference with Wells ' desk officer. The instructions were prepared by the desk officer and the funds were wired. Next day the funds were returned as owners of the XXXX account had not been included. This was corrected on the XXXX but again the funds were returned due to a typo. On the XXXX the exact title of the account was recorded and the funds were again wired ; however the account title was too big for the computer field and the last XXXX letters of the last name were truncated. Unfortunately this wire was accepted and the funds were applied not to XXXX 's account, but to the account of a XXXX retail customer. When XXXX finally determined what had happened, on XXXX or XXXX, they messaged Wells to explain and further said the funds would be refurned within XXXX days. On the fourth day XXXX informed Wells that they had gone to the incorrectly funded account to retrieve the money but the funds were n't there and therefore XXXX would not be returning the funds and that furthermore XXXX was closing its case on this transfer. Iwas informed of XXXX 's decisions on XXXX and further told that as XXXX had closed its case there was nothing further that Wells could do and that Wells, too, had closed its case. The matter was eventually referred to an " executive resolution team " and on XXXX I was informed by a team member that there was nothing that the bank could do : " We have our rules. If you are unsatisfied by our decision you should get a lawyer ... ''. I responded that only Wells Fargo had the standing with XXXX to argue for the return of the money and I believed that Wells was obligated, at least by good business practice to pursue my claim ; but was told again to get a lawyer - " ... ..we 're sorry, but we have our rules and there is nothing that I can do. " I am told by attornies that litigation will likely cost more than {$20000.00} and that Wells ill likely respond by giving the matter to XXXX of its retained law firms with the instruction to make this problem go away. As courts are reluctant to award damages to cover the cost of litigation it seems that I am frozen out. Frankly, I suspect that this arithmatic is central to the bank 's " rules '' which seems predatory. I am pursuing counsel and every other venue which I can think of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a no-fee checking account in XXXX 2013 for {$50.00} with Wells Fargo. I received a letter and statement in the mail my account was closed for lack of activity. I called requesting a refund of the {$50.00} and was told it would be mailed. Three to four weeks later I made a follow up call that I did not receive the refund. I was then told I had no refund because the money was used paying service charges. After complaining again, I was told since the prior person I spoke with stated I would get the refund, they would follow up. As of this writing, I still have not received the refund or any follow up. They stated because I was notified in previous statements it was my responsibility to have seen the notice and responded. I explained I was told no service charges and had no charges until recently and did not know my account was closed without my acknowledgement only after I went to a XXXX balance. I 've seen so much about Wells Fargo in the news between the bad student loans and opening false accounts for their customers and receiving the huge fines, I 'm feeling like I have been taken advantage of and should expect a full refund of {$50.00} 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 2015-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We signed papers for a 30 year home equity line of credit, with a 10 year draw period which are interest only payments, then a 20 year repayment period with principle and interest payments. This Home Equity was signed with Wachovia ten years ago. We just found out our monthly payments are {$500.00} a month, not the principle and interest that we were told. So our home equity line will be paid off in 3 1/2 years, so my question is what happened to the 30 year home equity line? At the time of the signing of this paper work we were NOT told about the {$500.00} monthly minimum payment for the repayment period, we were told principle and interest and that it was for 20 year repayment term. When we found out about this we were beside ourselves, we would not have put us in this type of repayment position. Wachovia was not straight forward on this loan and did not explain to us the repayment of {$500.00} they told us just interest and principle only. Wells Fargo now owns the loan. When we found out about this issue we tried to fix it first by visiting our local branch which was no help whatsoever. The bank ended up calling corporate and handing me the phone to explain the loan that was giving to us. We were getting different answers from the customer service at Wells Fargo. We were told several times that we owe principle and interest payments on several occasions, then we were told that there is a {$500.00} minimum monthly payment for the repayment period. So, we tried to refinance an another home equity loan with a fixed principle and interest, only to find out that we were declined for a number of reasons. First because our home did not have the equity, which we highly disagree on and second, we owned our own various businesses for the last 13 years. Lastly, we were declined for having to much credit by owning our business. We also have a revolving business credit for our inventory. The underwriters never called to question anything or give us a chance to explain our current business model. The customer rep that called us to tell us we were declined transferred us over to the hardship department. On another note our credit scores are above XXXX, never missed any payments or had late payments on anything ever. We do not want to file for a hardship, first of all this is for late payments or missed payments and this is not true to us. This will show on our credit report as a hardship and lower our credit scores. Why should we be jeopardized? When the original loan was not explained to us properly and we tried to fix this with a refinancing of the original loan. We have not receive any help from Wells fargo, just phone transfers to the loan modification department. This must be resolved without loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My loan was being monitored by the home preservation unit while I was unemployed, Keep your home California was making my mortgage payments for about 5 months. Note prior to Keep your Home California. I never had late payments or had issues paying my mortgage on time. As soon as I became employed I called and cancelled the program and resumed paying my mortgage withe XXXX 2016 payment. Note, I have never ever been late on my mortgage and there is no reason for Wells Fargo to keep me in the home preservation program. Although they tell me I am not in the program. I am still getting calls and letters from Wells Fargo property preservation program monthly. I have all the voicemails they keep leaving on my cell phone. If an CFPB investigator calls me maybe I can get you to hear the calls and dates and times or I can email you the voice mails they keep leaving me. I called Wells Fargo today, Friday XXXX XXXX, 2016 and spoke to two people. One was a property preservation specialists who told me I was no longer in the program and did not show I was receiving calls but I am. I have the voice mails they have left and the letters. I explained that back in early XXXX I got a letter and calls and they said they should not record of a call or letter but I have them. Second I was told I was not n the program as of XXXX XXXX but I keep getting letters and calls. The latest property preservation letter I received is dated XXXX XXXX. Well after they said I was not in the program. Then the customer service person after telling me I am not in the program started asking me questions and treating me and my loan account as a person who would be in property preservation.Asking me if I was going to keep my home, if I lived in it etc ... That 's when I asked to be transferred to their escalated customer service called office of the president. While expressing my concerns, that Office of the president person hung up on me or disconnected me on purpose. This was extremely rude and unprofessional. I was not rude or disrespectful. I just wanted to be removed from the program as I do not need or want any property preservation assistance. I want my loan is normal servicing status. 
I want Wells Fargo to remove me from their property preservation program. I want the calls and letters to stop. Although they say they do n't show I am getting calls and letters. I am getting calls and letters and I have the proof. They leave me voice mails and I have them saved. I am not late on my mortgage and have never ever been late on my mortgage since I got the loan over 5 years ago. I am concerned that they purposing want to mess up my loan and damage my good payment history or damage my credit report history.

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 2016-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My husband and I had a mortgage with Wells Fargo Home Mortgage beginning XX/XX/XXXX the property was completely destroyed in Hurricane XXXX XX/XX/XXXX. Wells Fargo also received the proceeds from my insurance policy to repair the house. The home was foreclosed on XX/XX/XXXX or XX/XX/XXXX. My husband and I received a citation from The City of XXXX XXXX because the house is a blighted property so when I contacted The City of XXXX XXXX regarding the citation I was informed by The City XXXX XXXX XXXX that Wells Fargo never record the house as being foreclosed on and that my husband and I are still the legal owners of the house. I then contacted Wells Fargo Bank in regards to the mortgage Wells Fargo is stating that they have no record of the mortgage. I then hired a title company to sell the property. The title company then completed a title search on the mortgage it was found to have an open mortgage with Wells Fargo. I then reached out to Wells Fargo again asking for the pay off quote or the release of the lien and Wells Fargo still insist that there is no documentation for the mortgage. My husband and I have been going through this for the past 10 yrs with Wells Fargo concerning this mortgage. We have been fined by the City of XXXX XXXX because of the condition of the property, XXXX, and Werlls Fargo is still refusing to assist us stating that they have no documentation for the mortgage.

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 2015-06-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing and putting in a complaint to make Wells Fargo justify and give detailed proof of why they denied me a modification and what they based it on. They told me in both of my meditations in Bankruptcy court, that I would be approved if I submitted the documents they needed. In the XXXX mediation they had the wrong information regarding my salary on the document sent to my attorney. They had a lower amount on their document. My attorney told them the true figure which we already sent paystubs and documents to verify it. They had {$7000.00} of a forced place Homeowners insurance that was on their document. My attorney said that I could get that for less. They told us to submit a new homeowner 's policy and the paycheck stubs proving I made more. ( The paystubs they already had but we submitted them again ). They said I would qualify once they received that. The information was submitted the very next day. 
In the next mediation they said they needed a letter of explanation regarding my quarterly bonuses ( again this was on all my pay stubs that they already had ) .They said that was all they needed and that based on the figures they had I would qualify again. They also said I need to send a new modification paperwork updating the old XXXX. We sent this in the very same day. We were waiting for them to contact us for the next mediation date which the mediator attorney said she would do it for free to expedite the process. Then we got a response that they denied me even though they said I qualified based on all my information. 
They based my mortgage in mediation on XXXX and 2 % and they said the payment would be around {$1000.00}. My attorney said I was paying that to the trustee and there would be no problem. I have never paid late to the trustee. I pay on time. 
The bank keeps sending me statements of XXXX in interest payment for the previous pick a payment loan. They said the new mortgage payment is around XXXX. I do n't know if this is legal when I am in Bankruptcy to send me statements wanting money for interest, etc. 
Also the Vice President said she was investigating the complaint and she was in touch with my attorney which my attorney said no one had ever tried to contact him. 
I want to know how you justified me not getting approved when I was told the figures look good and I would get approved. I want detailed proof and documentation they have why I was n't approved when they said in mediation XXXX I would be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
re : my loan XXXX I was denied a modification ; however I explained that the income they used was incorrect and I sent proof of correct income. Wells fargo said it did not change the decision even though the income was over {$2000.00} more than they used to calculate NPV. I was never given updated information or numbers on why appeal was denied. I have left 3 messages and made over 6 phone calls all of which they have not replied to. I feel I should be reevaluated for a modification using correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
I sold a property in Florida 3 months ago. Today I received a call from the broker who did the closing asking me to pay a household insurance for $ XXXX.that was part of the selling agreement. My realtor with the broker check all paperwork and they told me that everything was in order and we finalized the transaction. I am a XXXX citizen living in Social security and cant afford to pay that sum with my actual income. Do I need to pay for their mistake?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I had filed a fraud alert with the bank over 3 weeks ago have called everyday to speak to XXXX in fraud and secerity but have only reached voice mail left 15 messages no return call had bank email him they said they did n't know where he was???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation