vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In 2008 we found it was difficult to make our mortgage payment of XXXX, so we requested a loan modification. A trial mod was granted for 3 months which helped greatly. When my husband lost his job, the mod was rescinded because he was collecting unemployment. After contacting XXXX or more firms boasting to help obtain a loan modification for a few XXXX dollars we were advised to stop payments until the mod was approved..Of course it never was and the firm was no longer in existence.Now we were in foreclosure. After battling with the bank on occasions too numerous to recall we jumped through hoops to provide the proper documents to accelerate our application. Most times these were misplaced by the bank staff members and we had to resubmit repeatedly. After many meetings at the court house with the banks attorneys, we were still at square one..only now we owed the bank interest and penalties. As a last resort we attended a meeting in our state capitol with an agency to help people like us make some headway with our lenders.After four or five hours, we were told that we had been approved by our lender for a reduction of our interest rate previous to that day but were never notified. So now, after all is said and done, our rate dropped but our payment remains the same due to interest, penalties and late fees on the payments we were told not to make. Now we are underwater and although we are making our payments on time, our mortgage balance is higher than the original purchase price. We feel we were taken advantage of by several law firms preying on folks like us desperate to keep our homes in a waning economic climate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
CFPB took action against NFCU on debt collection. I 've submitted my claim on NFCU for wrongful charges on a XXXX ( XXXX ) XXXX ( XXXX XXXX promissory notes, but was closed without satisfaction. My husband 's direct deposit to NFCU XXXX since retirement in XXXX, stopped in XXXX XXXX, sued here in AZ in XXXX, collected garnishments over $ XXXX, made an unannounced withdrawal of over $ 4XXXX to pay VISA acct, sale of XXXX here in AZ in XXXX XXXX gain of $ XXXX, but posted to an already closed account -- all raised Red Flags. His account, primary owner, was closed, but mine remains open. I was the XXXX garnished. Question : How is this different from the action taken recently against NFCU and not gained a penny because of the timeframe?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a letter stating that someone opened a Dillards credit card in my name. I did not open a credit card. The limit was {$1000.00} - and they spent {$990.00} on it the same day they opened it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SECURITY FINANCE CORP
State: NM

Complaint narrative:
I have a loan with Zia Finance. I told them a couple months ago that I would pay them as soon as I could. My wife is XXXX and to us paying her XXXX bills is our priority. They constantly call my wife, all my references, and myself at least 10 times a day. They call back to back non stop. I have told them before not to be continuously calling because I am at work and can not speak on the phone. They continue to harass me. They have called my boss before and I told them not to be calling him. Today XXXX/XXXX/2015 they showed up at my work and told my boss that I owe money and they cant get a hold of me so they need all my information. On Friday a woman showed up to my home, like they do everyday, and my wife had a sign on the door saying that our newborn was sleeping and not to knock. The lady started knocking as loud as she could and my wife went to the door and asked her if she read the sign because she woke up the baby. The lady said " Yes I read it but I do n't care, XXXX needs to pay his bills ''. The lady then threw the paper stating the amount owed in my wife 's face. My wife went outside and told her to leave. She went to sit in her truck and said she did n't have to leave and just kept repeating " Tell XXXX to pay his bills ''. My wife also mentioned that whoever came by the day before tore our screen door trying to shove the paper into it. She then stated that " If XXXX paid his bills that would n't happen ''. I am being harassed by them everyday. They told me they are allowed to call and show up as much as they want!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My home mortgage and the escrow account is with wells fargo. They paid the property tax with an incorrect XXXX Number for my property in the year XXXX. When the tax collection letter was received for non payment of taxes, they paid the second payment correctly and charged my escrow account twice making it as negative balance. I have been contacting them from seven months for the correction of my escrow account and they say that they can not correct it until they receive the reimbursement from county tax dept. When I contacted the county tax dept, the funds were reimbursed to wells fargo on XXXX/XXXX/XXXX. Wells fargo seems to not have been putting any efforts on locating the refund and applying the deposit to my escrow despite of their mistake. Now I want to refinance my loan with a different lender and requested for a payoff statement. Wells fargo is sending the payoff statement with incorrect amount ( including the property tax they paid the second time due to their mistake XXXX to my new lender. Even after several calls to them from me and escalating the issue to their president office resolution department, and having the tax collector involved and talk to them, they are not providing the correct pay off statement. They just say they are waiting for information from county tax collector and I have to pay the incorrect pay off amount with increased dollars if I want to close the loan with them. This seems to be like a fraud to hold the customer long enough to gain interest fee from them and/or not to allow them refinance with other lenders Despite it is their mistake, they are trying to collect the money from me and committing a fraud. They say that they ca n't adjust my escrow account until they determine that the funds are received which is irrelevant to me. I have been paying my bills on time and when I need a pay off, they should send it with the correct amount and they are not willing to provide it. They behave as if they do n't worry and ask me to pay the extra amount and get the reimbursement from the bank when they resolve this issue in future without any definite time. Please help me with escalating this fraud being done by wells fargo and save several other customers who are suffering from similar issues from this bank. 
Finally this appears to be like a fraud to hold the customer long enough to gain interest fee from them and/or not to allow them refinance with other lenders

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 2016-10-18 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I think wells fargo opened a credit card without my authorization.

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 2017-03-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased XXXX XXXX Gift Cards from Wells Fargo & Company, and loaded {$200.00} on each with a {$4.00} fee, totaling XXXX. Upon realizing that the card did not work at retailers I was led to believe it would work at, I attempted to have my remaining balance ( the full {$400.00} ) returned to me. I did not seek to have any associated taxes or fees refunded. I was told by a Customer Service Representative that the best they could do was offer me 65 % of my remaining account balance. I attempted to complete this refund within 48 hours of the initial purchase, and had my receipt from the initial transaction. Every attempt to resolve this issue with Wells Fargo & Company has been met with contempt, and I do not believe that they have dealt with my issue in good-faith. I was not cautioned about any policies regarding refunds at the time of the initial transaction. I find a 65 % refund to be wholly unacceptable as I had paid for the balance in cash, and in full, only 48 hours prior.

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 2016-10-05 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:
I am the victim of " XXXX Financial Abuse '' and I with this application through your Bureau attempting an approach to the XXXX, Wells Fargo Bank , NA, XXXX, TX, of my taken Trust Funds, also houses the account holder, that has possession of estimated amount of {$170000.00}, of our trust money. And want this bank, since it is the 1st party that accepted the deposit, bank to bank or wire transfer, to send it bank to our Trust Holder bank which is XXXX, XXXX, CA.

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 2017-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My husband was in XXXX XX/XX/2016. I paid XX/XX/XXXX and XX/XX/XXXX mortgage payments. XX/XX/XXXX i called Wells Fargo and asked if i could defer 6 payments to the end of the loan or perhaps pay only the principal for 6 months while my husband was in the hospital. I was told that they do n't do any of that and they could n't help me. I called 4 times just in the month of XXXX, finally i got a customer service person that told me they have an outside company that works with them on all of that and i was forwarded. XXXX XXXX was the persons name i was put into contact with.Unlike what the customer service person told me he DID work for Wells Fargo. He asked me to give him information which i did, it took several weeks by this time it was XXXX and i had not made a payment since XX/XX/XXXX. After submitting paperwork i was told in XX/XX/XXXX they would not help us and that all i could do is pay up the account or be foreclosed on. Since the XXXX of XXXX i have been trying to pay the account up they will not take the payment. Customer service at the XXXX number refused. Location bank Tellers refuse. with no reason why, i am just told they can not help me and there is nothing they can do for me. Finally after 3 attemps on the phone and 4 attempts in person i got a banker at the XXXX XXXX Wells fargo to give me a reason. XXXX XXXX XXXX has a block on the account and no payments can be made. I have contacted him several times now and am still waiting on contact back. Seems they would rather foreclose then to allow a person to pay for their mortgage. I thought refusing payment was illegal?

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 2016-11-09 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraudulent accounts. 

There were numerous accounts opened for me without my authorization in the XX/XX/2015. At the time, and after a few months worth of transactions and fraudulent activity, I called and spoke to a representative that helped me close them. I did n't think too much of this situation at the time, but in light of recent news I will be scrutinizing that period of activity closer and looking for higher accountability and better options. 

I have a few of the banking statements from this period, but will be requesting a complete history as, curiously, the 2015 statements are not available online even though I marked this as my preferred communication method. Additionally, I will be gathering more information and reviewing this situation with friends and colleagues. And finally, to compound the issue, my personal information was compromised around this time and numerous credit cards were opened and/or manipulated without my knowledge or authorization. I ca n't say the two are related, but the timing is suspicious. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Windham Professionals, Inc.
State: IL

Complaint narrative:
My students loans were in default and a garnishment order was issued to an employer I worked for sporadically, so at the time of the order, I was an as needed employee, and my employer sent communication stating that they would garnish as they were able based on my pay. Several months later, My loan is in rehabilitation, and no longer in the office of Windham Professionals, INC. 
XXXX XXXX XXXX XXXX, NH XXXX XXXX I receive a paycheck yesterday XXXX/XXXX/2016 and there is a garnishment included. My employer is unable to remove the garnishment because they have no order to stop the garnishment. I then contacted Wyndham, and was told that my account was removed from them, and they could no longer speak to me about it. I asked if they would please send an order to stop the garnishment and they again reiterated that they could not address anything regarding the account with me. They said the account changed hands almost 9 months ago, and it was no longer theirs. I reiterated that my employer will have to continue to send garnishment payments to them until they receive this order. I was then told to contact XXXX, but when I did that I was told they never had issued a garnishment order. 

Basically, Wyndham needs to revoke the garnishment because they no longer handle the account, but they are refusing to work with me. We have worked to bring the loan out of default, and it is no longer in a status which would allow for garnishment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have had a XXXX checking account and savings with Wells Fargo for at least XXXX years. Recently I realized my account had been charged {$8.00} per month for the last XXXX months. I immediately called to find out why and was told that my debit card expired and fees were based on not having a debit card. I was not aware it expired nor was I notofied of the change in type of account I have as a result. Usually a new debit is sent when the old XXXX expires. I was told a new card would be ordered and only XXXX of the XXXX {$8.00} fees could be removed. This month a {$10.00} charge appeared. They have no record of a new debit card being ordered and say that even so I would have to use it XXXX times a month for it to count toward the free checking. They also said my account had been switched to a {$1500.00} minimum, which I DID NOT authorize! I had called the XXXX number to find out if the other XXXX charges could be reimbursed. They said no, but we did not discuss changing the parameters of the account. I feel violated that my account was changed twice without my knowledge and fees are continuing to accrue. I am closing the account as soon as possible, but wonder how many others are paying fees without knowing it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was incarcerated for four months ... at which point. I was having Idaho state insurance fund direct deposit checks for workers comp.. this was XXXX to XXXX my bank account was being spent via my debit card .. when I got out I found my account to have insuficiant funds .. I filed a fraud claim and verified my imprisonment and tried to get the money back and was denied most of it ... I have bank statements,,, and would like help getting the money and any applicable interest ... about XXXX dollars and 18 months time so far I figure 21 % interest is sufficient

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am in a short sale with Wells Fargo. There is no XXXX mortgage. Seller 's husband died which created her hardship. She is on XXXX and Wells has asked for 1 ) and profit and loss statement prepared ONLY by a CPA which is completely non standard, I did my own P and L since there was nothing on it but {$190.00} a month! 2 XXXX The BPO was done XX/XX/XXXX and is now expired. Since then I have been with XXXX processors who have all asked for the SAME thing repeatedly! I have continued to supply it, but now they are asking for evidence of seller receiving food stamps. This has NEVER been requested before and I have been given only 48 hours to submit it, even though it will take XXXX weeks for seller to receive one in the mail. I have a buyer whose loan lock is expiring. 3 ) Since the XXXX was done in XXXX, I am now being told it 's expired and will have to have a new one before value is reviewed. This is NOT acceptable as that will take at least XXXX more weeks. I have escalated this file to the top level, XXXX XXXX is her name, but now she is on vacation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing the answer from Wells Fargo under the following reason : On XXXX XXXX, XXXX in a settlement with California 's attorney general Wells Fargo agreed to provide loan modifications to all those homeowners who had a pick-a-payment. Therefore, Wells Fargo provided a Home Payment Relief Program '' ( HPRP ). Under this program Well Fargo promised to provide with interest rate reductions, term extensions, tax forgiveness, insurance advances, and principal forgiveness. I, as a homeowner with pick a payment, qualify to a loan modification under Wells Fargo Home Payment Relief Program but Wells Fargo keeps denying it for many years of this right. 
Every time I had apply for a loan modification, they ( WF ) had used my present circumstances to different programs but not the one under the HPRP which to my knowledge, it is a legal process that Wells Fargo had agreed to comply with under the settlement already mentioned. As an example of Wells Fargo tactics not to comply with the settlement, other than mine, there was a litigation on XX/XX/XXXX where WF was found not in compliance with the settlement of XX/XX/XXXX ( U.S. District Court in XXXX District of California No XXXX ). The point here is that Wells Fargo just keeps avoiding their responsibility to help homeowners with changing the pick a payment loans by providing a loan modification under different guidelines. 
I have tried to work this issue with Wells Fargo repeatedly month after month for years but they had kept playing " smart ' by using the regular guidelines and not the one it is suitable for my situation. Wells Fargo has fall short on their responsibility and I strongly believe they have to grant me a loan modification under their Home Payment Relief Program for pick a payment loans. For this reason, I had summited this formal complaint with you the Consume Federal Protection Bureau ( CFPB ) hoping to have a result favorable to my case at the end. 
I really appreciate your consideration in this matter and hope to hear from you soon. 

Regards, 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 2015-04-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Because limited space in this section, see attached word file " XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WOULD NOT OPEN A ACCOUNT NEED TO KNOW REASON

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I get XXXX calls a day eveyday between Monday and Friday and i am paying my bill every month and i am to the point that this is harrassment. I want it to stop. They leaving constant messages calling from all different numbers.

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