vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been watching the current balance of my Wells Fargo checking account very carefully over the past few days in order to not incur an overdraft fee, and I have been transferring funds from my savings account to maintain a positive balance. I have taken a snapshot of my checking account balance page as displayed at the XXXX website, and the account never goes negative. I called to complain, and they offered to restore XXXX of the {$35.00} dollar charge, which makes no sense whatsoever, because they should n't have charged me the fee to begin with. 

They are claiming that the XXXX charge that shows as a pending transaction on the attached screenshot on XXXX/XXXX/2015 was actually deducted on XXXX/XXXX/2015, resulting in a negative balance. If a charge is shown at their website as currently pending, I do n't understand how it can possibly be deducted from my account XXXX days prior. You will note that I deposited {$11.00} on the XXXX, having seen the pending XXXX 's charge at the website prior to it 's being deducted from the account balance. I have also transferred an additional {$7.00} to further avoid receiving an overdraft fee for the pending BIGFISHGAMES charge. The available balance of - {$34.00}, as shown at the bottom of the " Activity Summary '' section is entirely due to their overdraft fee of {$35.00}, otherwise the account would still show a small positive balance of XXXX cents. 'Wells Fargo has pulled this kind of ridiculous nonsense on me in the past, and I notified your agency last year when they attempted this same thing. After being contacted by you at that time, they relented on XXXX {$35.00} overdraft charges, but worded it in such a way as to make it appear that your agency 's involvement in the matter had nothing to do with their decision to restore my funds, and that they were just being big-hearted, customer-friendly, respectable business people in making that decision. 

If it was n't so difficult to change banks, I would drop WF in a heartbeat, but I 'm not altogether convinced that the situation would improve by taking my business elsewhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My ex husband filed for bankruptcy on a Wells Fargo Credit Card. I was listed as the second cardholder, i did n't sign anything obligating me to pay for this card and it was discharged on my ex husbands bankruptcy.Wells Fargo has severely damanged my credit scores by falsely reporting this information.

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 2016-08-09 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Alliant Capital Management LLC
State: PA

Complaint narrative:
A XXXX XXXX called 6-8 weeks ago and left a voicemail that he was with Alliant Capital Pre-legal division to advise me of a legal matter cae # XXXX. I am going through a divorce and thought this may be about the debts we are working through the court and as per my attorney ( XXXX XXXX ) we have been requesting all debts in writing. So i returned the call and advised XXXX XXXX to send me a copy of the debt in writing. He advised that I was going to be sued and tried to get me to set up payment arrangements. I said I no, I need it in writing & I provided my mailing address as well as my email and I ended the call. Now I am receiving threatening calls from a XXXX XXXX at work and on my cell phone. Friday XXXX/XXXX/16, there were several messages on my cell that I needed to call by XXXX or I would be sued in XXXX County Monday morning. Then XXXX XXXX called my place of Employment and when he was told she was going to put him in my voicemail, he refused and our Receptionist pushed him through to voicemail. He called back and the call was transferred to my Superviser, XXXX and she told him that we do not permit these type of calls for Employees, he told her that it was a legal matter pertaining to fraud committed by me and he already spoke to our HR Department regarding possible garnishment and she asked who he spoke with and he replied, that everyone should stop being a " gate keeper '' and tell me to call before XXXX or I would be prosecuted in XXXX County. 
I am not disputing that we may owe this debt, I do not know for sure what it is because I have still not been provided anything in writing. I am in the process of a divorce and trying to collect all debt info so that I can utilize a debt repair/assistance agency and am only asking to receive it in writing so arrangements can be made. What I do not deserve is someone calling my place of employment speaking of fraudulent activity and wage garnishments tarnishing my name with my Superiors. I want the calls to my place of employment to cease immediately and for Alliant to provide the debt in writing so that my Attorney and whichever debt assistance agency I use can help me identify and make payments on legitimate debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Force-able collections and predatory lending. Wells Fargo completed set-off on XXXX of my accounts well before any last resort action or fair practices were taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I got divorce in XX/XX/XXXX. My ex-wife retain the home and responsibility for the mortgage payments. In XX/XX/XXXX, she fell behind and eventually went into the foreclosure process. Wells Fargo agreed to modify the loan. They instructed the housing counselor in the XXXX Save Home Program to have me sign a quick claim deed to remove my name from the title/deed so that they could modify the loan in my ex-wife 's name only. I signed the quick claim deed. I was removed from the deed. However, Wells Fargo did not remove my name from the loan. They modified the existing loan keeping my name on the loan without telling. The loan modification documents were never sent to me for signature. I found out because Wells Fargo is reporting negative information to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have had a checking account at Wells Fargo for many years. I am going to close my account after finding out XXXX things. One, trying like heck to kill off your regulation. Two, the incredible fraud in creating XXXX XXXX fake accounts and firing XXXX low level employees. 
This is unconscionable and I urge you to punish them much more than the {$100.00} XXXX fine. Take away their license to do business!

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 2016-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My mother passed away XX/XX/XXXX, my sister and I are the executors of her will. We went to her bank wells Fargo to open an estate account. They helped us with the account. Then we were served papers from a lawyer saying we took my mothers assets and put them into a private account. Wells Fargo opened a Way 2 Save Account not an estate account. My sister and I went to a different branch of the bank explained to what they did and they helped us. We had so many bad experiences within the last 2 years with Wells Fargo.

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 2016-06-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I filed original complaint # XXXX on XX/XX/XXXX. I also spoke to Wells Fargo XXXX XXXX in executive office on XX/XX/XXXX who was handling the case. She agree about certain things that were not done correctly and stated they would like to get the loan finalized especially after spending 2 months working on it. And bad and lack of communication from the people I worked with in the application and approval process. They were named in the first complaint. She stated she would call me on XX/XX/XXXX. She did n't call me and I called and left a message. She called me XX/XX/XXXX with XXXX XXXX on speaker phone. Most people have another person for a witness to the conversation and its also XXXX against XXXX. Now other issues came to light. They stated first I need to pay {$4200.00} for escrow and late fees but more important was property needs to be out of XXXX for 6 months. I asked them to show or tell me in writing pertaining to this information. They said it was proprietary information and I would need to have a attorney to subpoena it. They stated it was XXXX XXXX guidelines. Why would n't they be public? XXXX guidelines are public. I specifically asked if it was their guidelines and the told me no. XXXX stated this came from their national underwriters and they know everything. Also CFPB would be able to listen to our conversation. A lie. I told them I was going to make another complaint and XXXX said go right ahead it will come right back to her. First how can she investigative herself? Conflict of interest. If XXXX XXXX guidelines should all be public information. Also her demeanor changed from the previous phone call. From I 'm here to help you to not at all. I told them the people I was working with do n't know the program. XXXX tried to cover for XXXX XXXX and XXXX XXXX stating the guidelines changed since XX/XX/XXXX when I applied for the loan. That 's a lie. Guidelines have not changed. I also told XXXX to use her brain and think of another way to refinance this loan. She did n't like that. They are lying and trying to cover up their employees incompetence. Also feel they came up with this because of the 1st complaint.

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 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Foreclosure occurred while a modification process was in effect. I will incorporate documents showing lender engaging in a loan modification process and failed to comply with civil codes XXXX by auctioning my house while a was negotiating a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Windham Professionals, Inc.
State: TX

Complaint narrative:
I have student loans with the US DEPT of Education as well as well as the US Dept of Education XXXX. I had these XX/XX/2011. I have paid these religiously and I am current on everything. I had a company contact me called Windham Professionals and demand XXXX. 
They would n't allow payments. they said the only way to avoid fees is to agree to a lump sum payment. The issue was the Dept of education had crossed XXXX addresses when I updated my address. and when I got this notice from Windham It was messed up as well. The lady I spoke with was horrible and she would n't let me speak to anyone other than her. and then her reply was " just do n't pay it! '' 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 non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I previously filed a CFPB complaint ( XXXX ) concerning a charge by a vendor, XXXX XXXX, and a debit transaction made against my checking account with Wells Fargo. To my knowledge, Wells Fargo is overdue on a response and never responded to the underlying complaint. Today, I received an email from Wells Fargo stating the amount in dispute in the underlying complaint with CFPB was being withdrawn from my account, and that the bank " lost '' the dispute. Today, Wells Fargo withdrew approximately {$580.00} from my account, without having provided me proper, prior notice ( other than today 's email ) ; and without Wells Fargo having even bothered to formally respond to my prior complaint by addressing CFPB. Wells has also, again ( twice now ), by today 's actions, failed to properly and adequately advise me of the reasons for their decision in writing. They have also apparently violated CFPB 's complaint procedures relative to the underlying complaint. 

This second complaint concerns Wells Fargo 's failure to address the first complaint. They apparently have now not only failed to address my concerns, but have failed to adhere to, and comply with, CFPB 's procedures and mandates regarding my underlying complaint.

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 2016-10-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I had a personal loan account attached to a credit card with Wells Fargo. I received a letter XXXX XXXX, 2016 stating charging privileges on my account and reference to reasons why. The account has been open and has not been past due. The account has been open maybe just over a year. After, the letter my credit score dropped and I could not understand why. I did not give Wells Fargo permission to run may credit after the account was open. The account now says, your account has been closed but you can still make payments

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 2015-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX and am writing this letter to advise you that I had a mortgage loan with wells fargo. I had been trying for some time to try and work out a loan modification to get caught up on my delinquent loan and bring it current and start making payments. We had gotten approved for a loan modification in XXXX of XXXX and received a package that we notorized and sent back XXXX XXXX, XXXX, Wells fargo advised us on XXXX XXXX, XXXX that they had not received the loan modification paperwork and closed the file out voiding the loan modification they had qualified us for. The next day that we contacted wells fargo, they had notified us that they had just received the signed and notorized loan modification paperwork, but that is was too late to honor the agreement since they had not gotten it on time. we appealed their decision and re-appealed it, yet our request went on deaf ears. We reapplied again for a loan modification, but had a difficult time trying to get the file to underwriting since wells fargo was always requesting information that we sent to them numerous times. 
This went on till XXXX XXXX, XXXX when the were not willing to stop the sale of my home and sold it to foreclosure. Let me mention that we had applied right after the loan modification they had offered us was denied with the same information that we had previously been qualified with, but wells fargo turned us down, because we did n't qualify, yet it was the same information we had previously applied with and been qualified with??? I 'm asking that your organization please intervene and ask wells fargo why our numerous request since XXXX of XXXX went on deaf ears. They never were willing to work with us since that time? I may be contacted at XXXX or XXXX. All I was asking from wells fargo was a fair shake and I felt they never gave us that since XXXX of XXXX. My husband XXXX XXXX passed away in XXXX of XXXX and when we had re-applied in late XXXX of XXXX for a loan modification wells fargo informed us that nothing had changed since their last review in XXXX of XXXX so they were no able to offer us any loan modification workout. I was taken back with this response since my husband had died in XXXX and I faxed them the death certificate proving he had passed. I tried again on XXXX XXXX, XXXX and was told to fax in all the required information again the very next day I was told that the file had been closed, because again nothing had changed since the review of XXXX XXXX and I had exhausted all my loan modification options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
I submitted Earnest monies to North American Title. I filed contract for " Return of Earnest Monies '', from the Seller of XXXX XXXX XXXX XXXX XXXX Texas XXXX. Seller and Realtor had no issues with signing contracts and returning calls to my realtor. Now I have decided against buying the home because lies were placed on the sellers and seller does not want to work with me regarding the roof damage. Now it has been close to a month and the North American Title has not returned Earnest Monies. TitleCompany states can not get in contact with seller. I can bet you that house is still on the market and seller/ Realtor has no problems contacting new prospective buyers. North American Title is intentionally delaying process of returning my monies. Two weeks ago I was told I would get a return call from North American Title regarding my earnest. Did not hear from North American Title. The Sellers agent is lying or the Title Company is lying. Lets see what the Title Company tell you the CFPB in writing under a Federal investigation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Bank attorney is giving me the run around in court in an attempt to foreclose on the property instead of working with me to complete a short sale. I have qualified buyers who want the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I came to the XXXX location in XXXX to apply for a loan. The loan was to pay for a certification class and moving expenses. After explaining the situation in its entirety to the representative, I was told that I needed to open an account to apply. After opening a checking account, he opened a savings account for me as well although I did n't need it. He then did the loan application and told me to check back in a few days. I decided to call the customer service number about an hour after getting home and was told that my application had been denied. I was also told that the decision was made right away, as in while I was in the branch. After appealing the loan process several times over the course of 4-5 days, I was finally told that Navy Federal does not grant personal loans for job certification purposes, but would be more than happy to help me with my moving expenses. After applying for a 4th time, I was denied again without a proper explanation. I was told to simply wait for my letter in the mail explaining the decision. I will be starting a new career in California on Monday, XXXX XXXX, and all Navy Federal has managed to do is waste my time and energy. From the beginning, the representative simply signed me up and left me out to dry. Knowing my application was denied, he told me to simply call back a few days later. Knowing that you do n't give loans for certifications, your customer service and lending teams wasted my time and money having me appeal and process several loan applications. I am going tomorrow to withdraw my money and close my account. I am also recommending my brother, a active member of the ( XXXX XXXX ) and my mother, both account holders of Navy Federal to do the same. I have never felt so cheated and swindled by a company in my whole life. I want this to be made very clear to Navy Federal : you created a checking and savings account for me AND RAN MY CREDIT knowing that the reason for the loan was not something you support. Shame on you and your banking institution for not knowing better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 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:
wells fargo the furnisher even though fined and ordered to correct credit reporting has falsely verified at least 3 times to XXXX violating FCRA AND CFPB CONSENT ORDER. 
MY WF EFS ACCT XXXX ON THE CREDIT REPORT SAYS CURRENT STATUS IS 120 DAYS PLUS LATE WHILE THE LOAN WAS PAID IN FULL AND CLOSED XX/XX/2011

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