vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My home is in foreclosure. Im trying to do a short sale and Wells Fargo is a second lien holder of which the debt was discharged in XX/XX/XXXX, I received a XXXX C - Cancellation of Debt and filed it with my taxes. They still have the lien on the property and have marked it as of XXXX XXXX. XXXX in a permanent uncollectable status. I now have a Contract of Sale am trying to do a short sale and Wells Fargo is refusing to allow any payment ( which none is available anyway its a short sale ) and refusing to release the lien even though it has been charged off. They are making me loose the Buyer for my home for no reason whatsoever. This was a discharged debt by the Bankruptcy Court in XX/XX/XXXX which should have been discharged and never was and as stated above, has been marked uncollectable. They have NO REASON not to release it.

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 2016-07-29 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Windham Professionals, Inc.
State: OH

Complaint narrative:
My former husband contacted me to let me know Windham was looking for me for collections on my student loans. Odd 4 weeks ago, I sent up payment arrangements with windham directly with a female, have record of emails and signed paper work with them and they even have my cell number because that 's how I have communicated with them. So why are they contacting my former spouse when he has nothing to do with it threatening that he is responsible for part of the debit. 
The number my former spouse gave me was XXXX, the number I have is XXXX. I 'm so angry. I understand that thetells is a debt owed to an amount but I sent up payment plans for the next 8 months just 4 weeks ago, payment processed, not a problem.

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 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX/XXXX/2016 I made a payment to my Navy Federal Checking Line of Credit, which NFCU claimed on XXXX was returned unpaid. On XXXX/XXXX/2016 my account access for all of my Navy Federal accounts was frozen. I called NFCU to inquire as to why I could not log in to my accounts. At that time the agent attempted to walk me through a password reset of my account. I was still unable to log in. At that time I was advised that my accounts were fine, but that the loans department had placed a freeze on my accounts. That team was unavailable, so I had to call back. 
I called NFCU again on XXXX, and was advised that because my Checking Line of Credit was delinquent, my electronic services had been revoked. I had no access to any of my accounts. I was assured that until I paid what I owed Navy Federal, I could still transfer money between my accounts over the phone to pay things like my car payment and credit card, as well as use my NFCU credit card as long as I continued to remain in good standing on those accounts. 
On XXXX I started receiving notification from places I was making payments to that my payments were bouncing from both my credit card and checking. I called again and asked about what was going on, and was advised that my account was overdrawn. NFCU had removed all money from my accounts to go towards the XXXX balance. An item attempted to clear my account, but was returned. The vendor, XXXX, had another attempt scheduled for that evening, so I asked the agent to have money transferred from my credit card to checking to cover the balance until we figure out what is going on. I was advised at that time that ALL access to anything, including transfers, my credit card, etc. had been taken, and I could not access my accounts until NFCU was paid for the XXXX that was past due. I can not even use the phone to handle my account. 
At this time, I have no access to any of my accounts, and NFCU has caused my checking account to become delinquent as well. I have all of my liquid financial assets with NFCU, and this is causing severe hardship for myself and my family. I received no notice that my accounts would be frozen, especially when I am not delinquent in all that is frozen. I understand that this practice is in direct violation of the CFPB ruling file XXXX/XXXX/2016 labeled " XXXX ''. 
I would like my access restored, and any harm done to my accounts to be reversed, immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I financed XXXX through Wells Fargo Financial National Bank ( Wells Fargo Health Advantage ) in XX/XX/XXXX for {$6700.00} which would remain interest free as long as paid off by XX/XX/XXXX. Well, due to health issues with hefty medical bills, I failed to pay it off on time so the interest started building. I notified Wells Fargo of the hardship my family was facing and asked if there was some type of hardship payment plan or anything they could do to give me some time. I was told that Wells Fargo does n't offer anything like that ... that I needed to get in touch with a debt relief company and see how they could help me, which I did! I was facing the probability of XXXX ( which was only XXXX-to my parrot ) and my husband, who is a small business owner, had just had a XXXX-the XXXX, and survived. He was not a XXXX so ... .. Anyway, I could n't qualify for a loan, but after explaining my situation, they offered me a high balance, low interest, credit card that would cover most of the debt. I was ecstatic! However, after calling WF back, they laughed at me telling me I was crazy for thinking they would accept a credit card. I told them I did as I was told and this is what was offered. I asked her to have her supervisor call me ASAP. After never receiving a return call, I entered an online message for a follow up call. I believe XXXX called and said he 'd see what he could do. Again, no return call so I consolidated my higher interest accounts to this card. I have received letters saying my account is closed and has been charged off. Now I am being told my balance is due in full! And it 's from Wells Fargo. That makes no sense! The letters now state they offer budget friendly payments after they 've tacked on multiple interest charges and fees. I was told WF did n't do this when I needed it ... when I could afford it. I 've paid a total of approximately {$7100.00} which pays for the XXXX. All I 'll be paying on is interest and fees of which I now owe {$4700.00}. Ridiculous. I know I owe interest ; however, why could n't they stop the late fees when they knew I needed help? It just makes me so angry that I worked so hard to keep on track with my payments, calling WF, keeping them up to date, securing a payment method, and for what? I have a letter to mail to them. Do n't know whether I should?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The tactics used by wells Fargo bank by placing holds on checks that freezes me from using my debit card and has mine account in over draft status. I have been with them for XXXX years and these are not standard banking policies. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal provided a pre approval letter and told me I was qualified to purchase a home. Settlement day came and they were unable to fund ( they needed more time ) buyer told them she could not wait because she would be homeless and needed a place to live now. they refused to issue any type of letter saying that the loan was not ready and the buyer is now being sued by the seller because she did not provide the letter to the seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 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:
XXXX automatic payment spiraled my account into an overdraft frenzy, simply because there was insufficient funds for a {$10.00} transaction. I made an attempt mid XXXX to fix the situation, and Wells Fargo said they would not reverse the fees, and I refused to settle. One week later, I had an overdraft fee from a XXXX transaction that should have been covered by my paypal balance, because Wells Fargo said " those transactions process by XXXX XXXX '', not explaining that XXXX will send that transaction immediately to Wells Fargo if i had insufficient funds in my XXXX account. In addition to all that came before this, I contacted my Insurance company to try to pay for my bill another way when I knew the account was overdrawn ( because it was coming direct from my account, but i wanted the overdraft fees reversed before I used my account again ), my insurance company never responded to my calls, and tried twice to take fees out, causing XXXX more overdraft fees. Months and months ago i ran into a similar problem where XXXX overdraft fee resulted in XXXX and I refused to pay for all but the one that started this fiasco. It resulted in me contacting CFPB for help. I had my account set up so that if i had insufficient funds that no money could come out. But I guess that 's only for in stores or something. Its been a nightmare! 

To prevent more from incurring, I have since put a stop payment on all my automatic-bill transactions, filed a dispute with Wells Fargo about how I attempted to change my payment method with my Insurance Company, but was ignored so I could n't pay for it in time, and contacted all the companies I have automatic payments with to freeze/hold all automatic-bill transactions until further notice. I have filed disputes for XXXX and for XXXX XXXX company. I really would like all the overdraft fees, aside from the one that started this whole mess, to be waived, and for me to get my finances back on track. I have so many things i need to do and I ca n't even open a bank account anywhere else until this is settled. It 's very upsetting how much work I have to do to repair this account, when all I had to do was give the bank what I actually owe them, which is {$31.00} ( XXXX transactions ) and XXXX {$35.00} overdraft fee. I just want to close my account and find an alternative, like a credit union or online bank. Please help me, this is absurd how much they want me to pay right 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 explanation
Consumer complaint received 2016-02-02 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: FL

Complaint narrative:
I have a private student loan consolidation loan through Wells Fargo with a cosigner. I have been making my loan payments on time since XXXX/XXXX/XXXX and I made my first loan payment on time on XXXX/XXXX/XXXX. That is 73 payments on time in a row. According to Wells Fargo only 24 payments in a row, since I paid my first payment on time, are needed to release my cosigner. I applied to have my cosigner released. I had to call and request a form from Wells Fargo. I got the form and signed it and added a pay stub as proof of income. Then mailed the form back to Wells Fargo. Despite my income of over XXXX gross a month and good payment history on the loan I was denied a release of my cosigner by Wells Fargo since I had a bankruptcy on my credit 6 years ago. I feel this requirement for releasing my cosigner was never disclosed when I got the loan. Wells Fargo misled me about how hard it would be to remove the cosigner. I feel this new requirement of never having a bankruptcy is n't even a valid requirement because these student loans can not be dismissed in Bankruptcy. I will submit my payment history on the student loan, The letter I received saying I was denied and the reason, and I will submit a pay stub for proof of income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have requested that well fargo mortgage stop calling me work, company refused to stop the calls. If, my mortgage payment is not received by XX/XX/XXXX, well fargo mortgage starts calling me at work, reminding me of the payment or when can they except the payment. Sometimes calls are recorded message, mostly a live person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I originally had a loan set up for a new car I purchased through Wells Fargo Dealer Services. After a few months I decided to have my loan refinanced through a local credit union. The balance on the loan with Wells Fargo was paid in full by the credit union and yet Wells Fargo withdrew an additional {$270.00} from my checking account. I have called a number of times to their customer service number and been told " no one that works here can talk to me about my charge. '' I emailed my complaint to Wells Fargo Dealer Services and they responded that it would have to be handled over the phone. This has been ongoing for over a month.

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 2016-09-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I sent a check to Wells Fargo for money from my pension fund, to be deposited in my IRA. They have received the check but have not deposited it in my account because they say they have to verify that the funds exist to cover the check. They say that this could take up to 45 days. That is utterly ridiculous. They received the check on last Thursday XX/XX/XXXX so they have already had it for a week, more than enough time for any verification. I am convinced that they have already cashed the check and are now planning to use my money to speculate on CDOs or whatever other worthless pieces of paper the big banks are now scamming each other with.

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 2016-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a first time homebuyer loan and was told that no action could be taken at the time because of my credit score, However there was correspondence on my behalf to other lenders which asked me for all my iformation but still denied me an opportunity to even work with a mortgage company.

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 2016-03-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo continue to charge me late fees on a vehicle that was totaled loss on XXXX XXXX, XXXX and the payment on the account was due XXXX XXXX, XXXX. This was a vehicle that had been refinanced through Wells Fargo. My insurance paid the vehicle off XX/XX/XXXX and the remaining balance was paid in XXXX XXXX all but XXXX. Wells Fargo has charged off on account on 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 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Wells Fargo repossessed my car in XXXX while I was on XXXX XXXX. I understand this was illega but it says the frametime is between XXXX. They did not have a court order to do this.

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 2015-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We are purchasing a XXXX home and are coming close to the closing date. Several weeks ago we were told by our mortgage broker that the application was being reviewed by the appraisers and that it would likely be declined for several reasons. Everyday we ask for updates, and everyday we are told the letter of declination will come later today/tomorrow. Without the letter of declination we could lose our 10 % downpayment to the seller.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I originated a mortgage loan with XXXX XX/XX/XXXX maturing XX/XX/XXXX.The loan was taken over by Wells Fargo Bank which insisted on payments to be made across the country and would not accept payment at their local branches. I found this policy to be extremely inconvenient and accelerated the repayment over the next 10 years. A large principle payment was recently made leaving a small principle balance remaining. I received an unsolicited payoff demand from Wells that accelerated the loan thus violating the remaining term of our agreement. It further demanded a payoff fee of 8 times the customary cost associated with a reconveyance of the loan and demanded immediate payment by wire transfer at an additional expense to myself. While I paid the remaining principle balance plus interest due I did not include the invisible payoff fee. I consider the fee to be outrageous and would like to see it removed.

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 2015-08-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have applied for mortgage assistance with wells fargo last year but the lender denied the application due to income. My ex-wife wished to keep the house and she applied by herself again with her income. Wells Fargo had used so many reason to reject and refuse to move forward with decision. I believe that Wells Fargo discriminate her marital status since we are on the process of getting final divorce. They keep asking so many different thing which we have attorney set for that and prove them reason but they refused to do anything for us. Wells Fargo asked her XXXX thing Final Divorce Decree and Tenant proof of occupancy. After providing them divorce decree, they said they did not accept the tenant proof of occupancy due to not from their bank. My ex wife is frustrated and she really wants to keep the house and she does not want to loose it. But it look like wells fargo is very eager to eat the house and without helping her. For me, they are seriously violated Fair Housing Act and ECOA Act to provide her fair opportunity to evaluation of her income

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Windham Professionals, Inc.
State: CA

Complaint narrative:
This alleged debt is stale dated as it occurred in 2003, and barred from further prosecution by the statute of limitations ; as well as barred from reporting by the FCRA and FDCPA. The seven years have well tolled, yet every six months XXXX University hires a new collection agency to place derogatory collections tradeline on my flawless credit bureaus. This latest schism has occurred on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief