vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have been trying to get Wells Fargo for about 6 years to fix a credit bad report mark on my credit report from XXXX. They have continually used stall tactics and discounted the information that has been provided to them that proves that MY PAYMENT was made ON TIME actually EARY and in GOOD FAITH from XXXX/XXXX/XXXX. They have never given me a reason why they returned the payment to my bank account without MY Knowledge. However in Early XXXX an employee of theirs XXXX XXXX who no longer is employed there told me by phone that she had traced the payment to ESCROW but at that time could not tell me where it went from there. It was not until much later and on research of my statements that the returned payment was found in my bank account. Again without my knowledge. I would have immediately returned the " Payment directly back to Wells at that time but Wells would not remove all the penalties interest and fees that had accumulated and the payment would have been taken first to provide for the fee coverage 's NOT applied to my Mortgage. I did finally however repay the missing payment along with " some of the fees in XXXX XXXX in order to have my credit to show current on my mortgage at that specific time as I was instructed to do. They have continually refused to clear the bad remark on my credit and clear past late fees and penalties from my mortgage account. This has caused me great financial harm. 
I have continued trying in many ways to get this issue resolved so that 1. my credit can be completely 100 % restored 2. That I be made whole since none of this was of my doing including all penalties and fees cleared. 
3. my payment had been made on time ( actually days ahead of the due date ) and in good faith. 
4. my refinance can occur to a lower interest rate including some equity disbursement which has been my ultimate goal. 

I first filed a complaint with CFPB in XXXX all complaints listed on my account are concerning this Wells Fargo Issue. XXXX has provided everything they can from their end that shows this payment INFACT was made in a Electronic Batch Transaction straight from XXXX to Wells Fargo on XXXX/XXXX/XXXX. I have sent Wells Fargo everything from XXXX however I received a call two days ago stating that Wells Fargo will not accept the information provided BY XXXX. Please Help Me

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: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/2015 I issued an XXXX eCheck to Wachovia/Wells Fargo Bank in XXXX VA for the sum of {$170.00} to be deposited in account # XXXX. On XXXX/XXXX/2015 the Wachovia/Wells Fargo Bank in XXXX VA deposited the check into account # XXXX XXXX. Clearly and admitted by numerous Wells Fargo employees, that this was a mistake, they have refused every effort to rectify the matter. Wells Fargo has said the {$170.00} has been removed from the incorrect account but they have no mechanism or procedure in place to put it in the right account or return it to the issuing bank ( XXXX ). They offered no recourse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I fell behind on my mortgage 27 months ago because my husband was XXXX. The medical bills and the fact that he could n't work ( we had a XXXX ) left me unable to make mortgage payments during that time. The business was losing money each month and the medical bills were overwhelming. In XXXX XXXX my husband finally passed away from his XXXX. In XXXX XXXX I closed our business. I then approached my mortgage company ASC and explained the situation to them. I advised them that my financial hardship had ended with the passing of my husband and closing of our business. I have a steady income and I would like the opportunity to save my home. The only response I have received from ASC was that " my payment is affordable '' and they can not help me. My attorney called and spoke with them asking why I was denied for a regular modification. They replied it was due to my NPV and that my payment is affordable. Neither of which pertain to my hardship and situation. I tried to explain to them that my hardship was not an un-affordable payment. It was XXXX. I am not asking for any payment reductions. I only request to be considered for a Regular Re-Capitalization modification that will bring my loan current. I am fine with the payment increasing and I understand my balance will increase after the modification due to the missed payments. I have since hired an attorney to re-submit my paperwork for me and they state I qualify for a Regular Modification. I have run my NPV and it is Positive and so the denial reason of negative NPV ( for a standard modification ) is not a true statement. ASC has filed a Notice of Sale on XXXX XXXX, XXXX with a sale date of XXXX XXXX, XXXX. They did this after filing a Notice of Default from two years ago on XXXX XXXX, XXXX. I am not sure this is even legal in my state to issue a notice of sale two years after a Notice of Default. I am asking that they simply give me time to have my updated financials reviewed for a regular modification before moving forward with my sale date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I did a on line bank check to my condo association it never got there the township of XXXX got the check instead. They cashed the check into their account. I have filed complaints and cant seem to get the money back after wells fargo has mad promise after promise. they now say I have to wait to get some paperwork in the mail get it notarized the bring it back to the bank before they can complete anything. The chech which is attached is clearly deposited into someone else account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Yes early this morning got a call from my mom telling me that i had a XXXX out for my arrest. So she gave me the number XXXX and i proceeded to call. I talk to a representative to see if i could resolve my status in my debt she told me i owed {$750.00} and they said they needed me to pay {$250.00} right now to get my account back to active for my payments and i told her i could n't pay {$250.00} now. I could pay them {$50.00} a week since i get paid e very week so she told me no. And said that if i needed to get a lawyer because they are taking me to court. So i just called XXXX minutes ago. And i talked to a person of XXXX XXXX and i told him how they was threatening my mom about me having a warrant and i could only pay {$50.00} week when they wanted me to pay {$250.00}. So he said well could you pay {$75.00} a week i told him no i could do {$50.00} a week. So he transferred me to a lady name XXXX XXXX and i proceed to tell her the exact same thing as i told XXXX and XXXX XXXX asked me could i do {$100.00} and i told her no because i only get {$100.00} a week on my paycheck so XXXX XXXX proceeds to mock me saying where do i work i told her XXXX XXXX XXXX she said well it says right here u get paid {$10.00} a hr and i told her i been there XXXX years and i do n't get paid that much. So then XXXX XXXX proceeds to ask me do you stay with your mom do you have XXXX etc. and i told her i can only pay them {$50.00}. a week. She pauses and says XXXX XXXX lets get this clear how do you live off of {$100.00} a week and i told her XXXX is good. Then she says if we ca n't take the {$50.00} a week we need the {$100.00} and if we do that that 's gon na be all your money. So i said so you 'll cant help me out she said no. and i said ok and bye and hung up the phone. I do n't like how she tried to make a mock of me about my finances. The only thing i was trying to do was too make a payment with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
An OCC complaint is being filed on behalf of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX, NY. This complaint describes the unnecessary denial, the duplicity shown in negotiating the file, and how getting answers that should be disclosed immediately under federal law became a trial in and of itself, comparable in despair-inducing frustration. 
As Wells Fargo and its underwriters ' has seen fit to deny XXXX XXXX ' loan modification, by simply stating the loan was denied due to not providing valid documents. We have complied with this back and forth for some time, since XX/XX/XXXX immediately supplying documents as requested. Please note, XXXX XXXX attempted numerous modifications on his own, with the result of countless denials, DUE TO LACK OF DOCUMENTS, and no specific clarity to why they are requesting such documents. Ie : social security numbers for each tenant or photo ID for each tenant and countless bank statements or proof of address for each tenant. Explain this ridiculous and unprecedented RECENT denial. 
The Law Office of XXXX XXXX has made countless phone calls requesting updates on the modification review and was advised that more and more documents were needed. Not to mention, the last few mediation meetings resulted with Wells Fargo 's attorney remaining clueless on the fact that the loan was currently under review with Underwriters. We not only have to call and confirm that everyone is on the same page, but with each mediation visit, we feel compelled to supply proof that documents are being submitted to Wells Fargo. This is clearly a waste of everybody 's time. All throughout this time, the assigned everyone failed to communicate clearly about the underwriting and review process, including, XXXX XXXX, who had no clue of the process and XXXX XXXX, whom we never get a chance to talk to since the loan was assigned to her. Since then, I have escalated the file to the Executive Manager Department, currently speaking to XXXX XXXX, ext. XXXX. She too has no luck in finding the accurate answers to why the loan was denied for a modification. XXXX confirmed leaving messages for the Underwriter and one of the Managers- but to no avail. 
This denial comes with the unprecedented swiftness, and it is the belief that XXXX XXXX and his attorney representatives that is was handed down in haste, without due consideration, and without argument there was nothing in the way of explanation as to why Wells Fargo is forcing XXXX XXXX into a position where she will lose is home. This has been going on for five years now. All XXXX XXXX wants to do is go back to making mortgage payments to Wells Fargo with an affordable modified monthly amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 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: AZ

Complaint narrative:
I am a cosigner on my child 's XXXX loans. My child refuses to make payments or consolidate the loans even though they earn an excellent salary. Wells Fargo is aware of the problem yet they do not pursue the borrower at all with any notifications or attempts to collect, yet they come after me as if I were the primary borrower. 
Wells Fargo has stated that there is a vehicle by which I can be removed as cosigner. I have requested that they do this. Wells Fargo repeatedly states that someone will be in touch with me yet I have not received any contact from anyone at Wells Fargo regarding this promised modification. My spouse wishes to retire and we need to get this resolved. 
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 2016-11-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing regarding the Wells Fargo situation in which many, many accounts were opened without customer authorization. It happened to me in 2012 at the XXXX, N.J.branch There were XXXX accounts that I noticed in my online profile that I did not recognize. I called their XXXX number, explained what I saw and was told they would investigate. They told me the accounts were opened by a XXXX XXXX in person at the branch. I never opened any additional accounts at the branch and never heard of a XXXX XXXX. What they did n't tell me was that they were shutting down my accounts until they investigated. As a result I had no access to my money for 2 days. I went into the branch looking for the branch manager at the time, XXXX XXXX. I explained why I needed to see him to several people on different occasions but was told every time he was unavailable. It seems he was forewarned of my anger and was too guilty to come out and see me. I then formalized my complaint in writing and it was sent to a XXXX XXXX for review. After 2-3 days XXXX called me and said there was no wrong doing. To me this was a flagrant cover up by these XXXX individuals. Just recently, I contacted the wells hotline at XXXX and explained what happened. The woman I spoke to was very understanding and did confirm there were accounts opened under my name without my authorization back in 2012. Simple and to the point, accounts were opened without my authorization unlike what the XXXX people I have mentioned told me. I gave her the names of the XXXX people involved and she assured me my case would be re-opened and reviewed. Of course I would not be informed of the outcome of their investigation! Well, at this point I ca n't trust that any investigation would actually be done by Wells Fargo as they had covered up this situation before. For this reason I am writing to the CFPB. I did not incur any fees as a result of their actions so I am obviously not looking for any money, but it truly angered me to the core that they would do this to a 30 year customer of their bank. I keep seeing a figure that XXXX people were fired for doing the exact same thing these XXXX people did to me. XXXX person fraudulently opened the accounts ( XXXX XXXX ) and XXXX people covered it up ( XXXX XXXX and XXXX XXXX ). From what I understand, these XXXX people are still employed by Wells Fargo and they should be punished for their unlawful and unethical actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Integrated Recovery Services
State: PA

Complaint narrative:
A company called integrated services calls my cell and work place about a loan that I believe that I have paid in full from over a year ago. They have made claims that I committed fraud and other outlandish accusations. I asked them to send me proof of what they say that I owe to them and they have never done so. I asked that they stop calling my job and if they intend to file the lawsuit, to do so but stop harassing me about a debt that I do n't even think that I owe. I have had individuals call using profanity and making threats that are going to cause me to lose my job, file court proceedings, garnish my wages and so on ... I 've tried to explain to then that I do not think I owe them anymore money but I 'm willing to look at the documentation and if I 'm wrong I 'll pay you your money. They refuse to honor any of my request and continue to contact my employer and have left messages on my boss 's phone with details about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
While I was traveling my Debit card was fraudulently used for online purchases to XXXX and XXXX. 
I was able to obtain demographic & personal identification information about the person ( s ) who fraudulently used my card. 

I want to make official report.

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 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My mother has an XXXX. Her house was sold and her mortgage was paid off. Wells Fargo sent a refund check for an overage on her mortgage escrow account. The check was lost. We attempted to have them reissue the check, however they refuse to recognize the Power of Attorney on my mother 's account since it is over one year old. They require a POA dated within the past year, which is impossible due to my mother 's mental incapacity. In addition, by law POAs do not expire.

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 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
First I an very thankful to Consumer Financial Bureau for been there when I needed desperate help with my mortgage Carrier. after much harassment through WELL 'S FARGO AND WITH YOUR HELP. I 'm FINALLY GOT TO THE TRUTH. 
On XXXX XXXX and a very professional conference call I received some shocking information and the document to back up all of such information. I will be forwarding such documents to you. 
on XXXX XXXX of XXXX I sat for the closing and purchasing of my home XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX.A COPYOF MY MOTGAGE CONTRACT IS NOW SENT WITH THE MORTGAGE AGREEMENT OF 10.25 % INTEREST AND MY MONTHLY PAYMENT OS {$680.00}. XXXX. IN MY 10 YEARS OF OWNERSHIP I HAVE NEVER PAID {$680.00}. XXXX I PAID {$900.00}. IN XXXX OR XXXX I RECEIVED A MODIFICATION AND MY MORTGAGE WAS NOW UNTIL XXXX XXXX {$810.00} WITH 8.25 % INTEREST. AS OF XXXX XXXX I WAS ADJUST TO {$810.00} AND 8 % .INTEREST. 
A COPY OF THIS DOCUMENT IS ENCLOSED. IMAGINE HOW SHOCK I WAS WHEN I OPEN THE MAIL AND THIS DOCUMENT FLIPPED OUT. XXXX YEARS AND XXXX MONTHS I HAVE NEVER HAD A MORTGAGE PAYMENT OF {$680.00} XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a member of Dillards card services for about 21 years and they were acquired awhile ago by Wells Fargo bank. Well I lost my job in XXXX and am just getting another job but I am paying my bills consistenly with the exception of a few months that I missed. My last payment of {$90.00} was paid on XXXX. which left my balance at {$80.00}. No high balance. However, I checked my credit card statement today to find out that Wells Fargo arbitrarily closed my account and when I called Dillard 's to inquire about their decision, I was told that they could not speak with me and I was hung up on. I thought that we lived in America! I never knew that a company/Bank would take this type of action without informing their loyal customers first. However, I can not to get any straight answers as to why this action has occurred. I called again and paid my past due amount because they could not answer any questions until that was done. In addition, no one could give me a manager 's name to provide you with. I was simply told that I was being transferred to the executive offices of Dillards and placed on an indefinite hold with me never having reached a manager to speak with. The teller told me that they had many managers on duty, so I wonder why was it so difficult to speak with a manager. This action was arbitrary and mean-spirited. Customers lose their jobs all the time in this economy, but are allowed to catch up their bills at a later time. I was in the process of doing so when my account was closed by Wells Fargo with no one supplying the name of who committed this action. Instead I am being assigned a case worker, XXXX XXXX and was told that he would be working on my case and would be getting back with me. I have never been so insulted in my life. I have treated like a deadbeat instead of loyal customer of 21 years. It saddens

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 2015-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am refering to case number XXXX XXXX. The case was reviewed by the Mortage company and declined to offer a posible solution to avoid foreclosure. I disputed the response on XXXX/XXXX/15 with no other response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation