vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX I approached CitiMortgage, Inc. with a request for a Short Sale on a home they are serving the mortgage for. The loan is owned by XXXX. Citi had a realtor go out to the home on XX/XX/XXXX and told me that the realtor set the home value at {$160000.00} " as is ''. We had a buyer for the home sign a contract to purchase at this price. The home was not able to go to closing on the sale until a later date so Citi had to have get another home value set in XX/XX/XXXX. Citi said that this time the as is value was set at {$280000.00}. We set up a closing date for XX/XX/XXXX, and that morning, 19 minutes before the XXXX closing, the Mortgage Negotiation Specialist sent the realtor an email saying the home could not be sold for less than {$280000.00} even though they had given prior provisional approval for the sale at {$160000.00} which only pending the closing occurring so the closing statement could be sent to them. I was sent copies of the Valuation Information Detail Reports for the XX/XX/XXXX valuation and the XX/XX/XXXX valuation, and noted that the reports gave conflicting square footage and values, and that the second one said my home was at XXXX, XXXX, when it is truly in XXXX, XXXX, and that is over sized the home by nearly XXXX square foot from the true square footage. When this was brought to the attention of Citi by me in email and telephone conversation they said I could request copies of the Broker Price Opinion Reports that their Valuation Information Reports were drawing information from. I did this, and found that Citi had not corrected reported the values set by either Broker, and that there was no mention of {$280000.00} in the second Brokers report nor any mention of my home being a " subject property '' in XXXX, over XXXX miles from where my home truly is. The buyer withdrew interest to buy my home when asked such an unreasonable and unsupported increase by Citi. I told Citi it was their fault this occurred and I am suffering damages financially due to Citi 's errors and false values set to require on the sale of this home. Citi agree to have third valuation done, and it was completed in XX/XX/XXXX. This third valuation report said the home is only worth {$140000.00} " as is ''. Citi refuses to tell me how the value was set for {$280000.00} they demanded the home sale for in their staff 's XX/XX/XXXX email to the realtor, and now my short sale options are limited as well as I have lost the opportunity to complete the sale as planned in XX/XX/XXXX while the Federal Tax forgiveness was still in place.

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 2017-03-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
2nd ltr to be sent -- -- I am writing this letter regarding an interest charge of {$800.00} plus dollars, almost the same fee I am paying for my kitchen floor which was added to my existing bill which will be paid in full on XX/XX/XXXX. I paid my {$5000.00} plus bill from XX/XX/XXXX to XX/XX/XXXX off with my XX/XX/XXXX payment which was {$300.00}. I am a XXXX senior who is not stupid, has XXXX, or XXXX. I am actually quite smart and know a scam when I see one. ( Remember this is an online account not a paper account ) Do the potential and ongoing customers out there know what you are doing? Is it Wells Fargo Bank that has been cheating the customers or XXXX? 
I am going to file a complaint with the Banking Commission, Federal Trade Commission and the Consumer Affairs Div. Let me not forget all the agencies like the XXXX, XXXX, and XXXX including XXXX and XXXX! I want you to know I consider this a scam tactic preying on the elderly. If you feel I owe you some interest based on a dispute of days, a few dollars would have been acceptable but if you think I am paying you close to {$900.00} you are mistaken. I will be forced to hire an attorney to fight this and it will create a hardship on a senior who paid her bill in full. Again, I am so sorry I did business with XXXX and Wells Fargo Bank. I have never had a problem with any other monthly payment plan and certainly wo n't be telling guests who did my floors and they should give them a call, as long as you are the financial bank handling the accounts. I have had several other payment arrangements through XXXX, etc and never had a problem with any of them.

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 2016-11-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX my reason for contacting you is for 2 reasons. 
1 ) Wells Fargo has recently put a negative on our credit history that was in error by them, this HUGE matter is costing us tremendously, not only holding up our refi but may cost us in taking advantage of the recent low interest rates while we wait for them to take off the system. 
2 ) XXXX is the XXXX University that our daughter attended and now has a HUGE Private loan from. Our question and concern has been all this time WHY was she not offered and given a Federal Loan when she applied? The loan Dept at XXXX was very disorganized and not helpful. Our daughter should have qualified for a Federal Loan, she is XXXX and had great grades and was very goal oriented and dedicated student. To our HUGE dismay she was offered a Private Loan without ever an explanation of WHY she did n't qualify for a Federal. To date she has had this HORRIFIC LOAN that my husband co-signed unfortunately and so now we are affected as well. It 's been 7 yrs having this HUGE BURDEN on our credit but mostly our daughter who has struggled to make the HUGE payments all these years. She wakes up with this on her mind and goes to sleep with this last thing on her mind. It 's destroying our family not to mention our daughters HEALTH and future. She is not able to buy a home, have children, nor save her marriage due to this nightmare. She regrets ever going to college, I never thought I would agree with her. Please help us look into these matters ASAP. We truly need help NOW, we are trying to find a lender in order to refi and consolidate for our daughter. It 's time that something NEEDS to be done about this crime done by some Universities. Thanking you in advance XXXX XXXX XXXX or husband XXXX XXXX XXXX ) XXXX XXXX ( student/daughter ) XXXX. PLease I ask you for some help and guidance.

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 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my account with them XX/XX/XXXX. I contacted their customer service department to figure out why my account was closed. They confirmed that because I had reported my card lost, they had to open a new account. I was angry and told them I did not wish to open a new account. I was left without a bank account for a while. Was unable to deposit/cash my work checks and I was unable to pay my bills. This caused me so much stress and decided to start with a new financial institution. 
XX/XX/XXXX, I found out Wells Fargo had gotten into serious trouble for opening accounts without people 's consent. I inquired on it and they sent me a form ( see attached ). I filled out the form and demanded {$800.00} for damages and time lost. XX/XX/XXXX I was contacted by their mediator by the name of XXXX XXXX. She said they were able to settle for {$400.00}. I accepted on XX/XX/XXXX, and was told I would receive my check within 20 business days. XXXX also said that the new account had a check deposited from my credit union account and later the money was withdrawn. She sent me a copy of the check and as I expected, it was manufactured. On XX/XX/XXXX I contacted XXXX once more, asking her about the check. She said I would receive it within the following two weeks. Two weeks have gone by and I have not received anything. I called her on XX/XX/XXXX and she did not call me back until XXXX/XXXX/XXXX saying the check was sent on Monday XX/XX/XXXX. I contacted Wells Fargo mediation department to confirm the information XXXX had given me and I was told the check has yet to be processed. The rep told me she would submit a request to have someone call me back with the correct information. I received a voicemail today, ( XX/XX/XXXX ). No one knew who contacted me so I was then transferred to a rep who said they could help me track the check. This person was unable to help me and was transferred back to their customer service department where I was told my request would be escalated to someone who would have the right information for me. This was the same person I spoke with on Monday ( from Mediation dept ). I am sick and tired of wasting valuable time from my day to deal with Wells Fargo. They have messed up with my finances XX/XX/XXXX closing my account without a valid reason authorized by me and opened a new account without my consent. I am extremely upset and demand {$1000.00} for the time wasted going back and forth with them XXXX and now.

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 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am opted-out of overdraft protection with my checking account at Wells Fargo. Even after making it clear that I do not want them to allow charges that would negatively affect my account, they have allowed these transactions to go through. This past week, they authorized a paypal transaction that put my account into the negative. Had they denied the charge, as they are supposed to, it would have automatically been tied to the credit card I have set up through paypal. I was not expecting this to come out of my bank account at all. I noticed the mistake and called and complained. They said they would return the {$35.00}. There was already another pending OD charge at the time I called, but it did n't show up until the next day. Because of the inital unauthorized purchase, XXXX additional purchases were overdrafted. I suspected that they would charge me again and deposited money to cover these. Per their ATM policies, these should not have caused an overdraft fee even I had opted in because I made the deposit before the charges were " posted '' and ATM deposits are " immediately available ''. They posted the charge before posting my deposit. I now have {$70.00} in fees, even though I have a positive account balance and no overdraft authorization on my account. When I called to complain again, I was told that they will not return the money and that " their policy '' authorizes them to allow charges at their discretion. However, their policy online, as well as the Federal Reserve Board 's ruling, say differently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In XXXX XXXX I requested a balance transfer in the amount of {$4500.00} ( 0 % APR till XXXX XXXX with 4 % one-time balance transfer fee ). It was approved by my Wells Fargo credit card and I paid {$180.00} balance transfer fee in XXXX XXXX. At that time I also had a balance of {$1700.00} as a result of my credit card purchases. In XXXX XXXX I made a payment in the amount of {$1800.00} to pay off my credit card purchases. I assumed that Wells Fargo would no longer charge me interest fees as I already paid for my purchases and for my balance transfer. In XXXX XXXX my balance was {$4200.00}. However, later I discovered that they were charging me interest fees. Overall during the next 4 months they charged me {$70.00} in interest fees. 
At the XX/XX/XXXX I called them and was assured that this is a mistake ( usually clients ' payments apply to a higher-interest balances ). They promised me to look into that again and fix everything within 3-4 business days. About a week later I called them again and they took completely different position. They told me that they divided my XXXX payment between my balance transfer and my purchases balance ; therefore, they charged me interest fees. I did not plan to pay my balance transfer in full or partially before XXXX XXXX. I only planned to make minimum payments. So, I am puzzled why they divided my XXXX payment and did not apply it to my purchases balance. I attached all my statements. Thank you, 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 2015-10-19 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have placed a complaint against Wells Fargo ( case XXXX ) in regards my Certificate of Deposit that were purchaseD under Wachovia Bank, who has since been bought by Wells Fargo, but all of the local Well Fargo branches are not able to locate the CDs. I recieved a notification that they will look into this issue but unfortunately it has been serval months since contacting them about the situation, and I still have n't been updated to the location of the CDs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo flagged my mortgage account without notifying me. I was not notified via online statement, paper statement or phone. I have phone records to prove this. When I disputed the information with Wells Fargo they refused to take the late off my credit and claim they tried to contact me without furnishing any proof, whereas I have proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
We sent a Qualified Written Request to a servicer and Trustee who seem to be committing ro-bo signing who has refused to produce original documents and is in violation of it consent orders. We remove the companies power of attorney in 2012 for fraud and XXXX XXXX has settled for violating the fair housing act and and they continue to try and take our property under the color of law. there are so many more things that they are in violation and I am asking the CFPB with the laws they are violating. the reason for this complaint goes much further than th

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 2015-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
ComplaintDescription of the complaintOn XXXX XXXX, 2015 I received a letter from them that my mortgage has been transfer to another company and they do not give me information on the company and why are they transfer my mortgage who gave them the right to determine who I would like to be my mortgage company please investigate Wells Fargo Home Mortgage to ensure that the are following United States Federal Regulations and any misconduct and mismanagement all individuals involved be convicted according to United States Federal LawHow complaint can be satisfactorily addressedI would my Mortgage to remain with Wells Fargo and if I wanted a different mortgage I would request when do the bank tell you who got to do business this was my choice and my right as United States Civilian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX complaint against Wells Fargo. They are playing games with me. After bringing my account current and paying the reinstatement amount to bring my account out of foreclosure, and confirming 3 times by phone there are no other legal fees or other fees due, I received a letter saying my escrow is in arrears. I filed a complaint about that. They say I owe the money. Fine. Then I receive a letter dated XXXX from Wells Fargo including a check for {$100.00} because they discovered after reconciling my mortgage account I 'm owed a refund for some fees that were overstated. Then I received a check for mystery fees. Then I receive a letter dated XXXX from XXXX XXXX XXXX, lawyer for Wells Fargo saying I have to send {$40.00} to XXXX XXXX court for an unfilled Discharge XXXX. What? Huh? I do n't know what that is but I have to send the document and a check to the court. 
In good faith I brought my account current and paid the full reinstatement amount and was assured no more legal fees, or fees or anytime. Then I get a check for a refund for mystery fees. Then a lawyer letter I owe {$40.00} to a court? Not to mention I received a postcard in the mail for a class action lawsuit for property inspection fees and we 're a part of that too. 
I do n't understand why this is happening. I paid a reinstatement amount and my monthly mortgage and the saga continues?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This complaint is in response to case # 'sXXXX XXXX. did get in touch with me. The very XXXX time I got a call from wells fargo not asking for my deceased wife. He still refuses to answer any questions concerning accounting and proof of authority concerning My deceased wife 's defective " Note and Deed of Trust '' or the alleged loan that never took place, evidenced by the defective " Note and Deed of trust '' Miraculously thanks to your investigations correspondence is now being made to myself and " THE ESTATE OF XXXX XXXX XXXX XXXX '' Whereas prior to your investigations., all correspondence was made to XXXX XXXX XXXX XXXX making it appear to the court, public and potential victims hoping to purchase my home, from Wells fargo that she is a living breathing defaulting bad person. Which is not only unacceptably disrespectful to my beloved deceased wife, but also slander and defamation of character towards the sweetest, most thoughtful and beautiful human I 've ever known.Wells Fargo is still with no way to prove any authority to do so, only color of authority rescheduled a TRUSTEE / FORECLOSURE SALE for XXXX XXXX. I am filing a 'MOTION FOR PRELIMINARY INJUNCTION AND TEMPORARY RESTRAINING ORDER in THE XXXX JUDICIAL DISTRICT COURT, XXXX COUNTY, XXXX . ( attached ) to hopefully not have my right to due process of the law violated, my deceased wife 's character violated and my property and home stolen by these criminals, XXXX XXXX XXXX XXXX ( alleged Trustee ). XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( original alleged lender ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and WELLS FARGO. I thank you for your help thus far. Please do n't let them get away with their crimes and disrespect to my beloved deceased wife.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I always check my bank accounts to avoid overdrafts or late fees ; yesterday was the same. Today I received an alert in my phone telling me about an overdraft and at XXXX I covered the amount and a few dollars more. I came home and after lunch I received another notification about another overdraft, I checked the account and Wells Fargo charged me an overdraft fee. I called them and they said the overdraft occurred last night at XXXX and I made my last purchase around XXXX. 
I 'm not agree with this bank behavior and the way they 're looking to charge fees to us, the consumer. I want my money back and make them improve the alert system and the communication with clients and stop this corrupt bank having this abusive practice. 
Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I was tricked into a negative amortization loan in XXXX. I did not really qualify but my loan officer told me they would " make me '' qualify. I purchased a home and got a loan that was way over my head. When I requested to refinance out of the loan the same loan officer said it would cost {$48000.00} to buy myself out of it. In XXXX I started a loan modification with the original servicer, Aurora, but they never completed my review, kept losing my papers, etc, etc. I finally received a loan modification from Nationstar in late XXXX XXXX as a Tier 2 modification. It was still something I could not afford, but I borrowed money to make. I borrowed from my XXXX, my pension and even my parents. In total upwards of {$50000.00}. Now I am having difficulty again, but Nationstar will not review me for another modification even though the government program allows for it. Nationstar states that the " investor '' refuses to give another modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Repeated calls and states I have a debt. Will call at work, cell phone for work and home phone not stop fromXXXX to XXXX. Need to stop the calls and send me a letter instead

Company response to consumer: Closed with explanation