vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
When attempting to respond to Wells Fargo Mortgage 's invitation to apply for a XXXX loan refinance and contacting their phone representatives, we are steered immediately to a routine mortgage refinancing - " desktop underwriting ". The representatives express ignorance of the XXXX program ( XXXX ) and stated that there are " different types of XXXX plans. '' We just completed a XXXX refinancing with our XXXX Bank mortgage which was streamlined and had a very minimal fee charge. so we know of which we speak! 
It appears to us that the Wells Fargo Mortgage personnel are instructed to evade and avoid the government 's actual low cost XXXX program by only offering a conventional refinancing, including much more complex qualifying restrictions, while hiding behind the " XXXX '' name. 
To us, this fits the definition of a " scam, '' amd merits further investigation.

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 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A deposit I made to Well\s Fargo Bank was returned by them and reason was refer to maker when I requested that the Check be returned to me they complied and gave me written notice that it would be removed from my account within 3 business days. I then took said check to my credit Union and verified the funds as it was from an insurance company and made deposit into Credit Union. 6 days later the check bounced at the credit Union because Wells Fargo had resubmitted the check electronically and taken the funds, later I found that they indeed had been paid for that check on the evening I deposited the check so the letter that was generated to me was in fact a false hood. do to the fact that they had released the check to me and were to remove it from my account I in good faith deposited it into credit union and since it bounced I have incurred numerous overdraft fee 's and numerous accounts have put me on a cash only basis. I have on numerous times tried to negotiate with them for reimbursement of what I am out because of their mistake and have yet to get a fair dealing from them. they have skirted around the issue and changed the case number so many times that they do n't know what the main issue is. having tried and failed to deal with XXXX departments in resolving the issue I was forced to file a small claims case against them and have not gotten any response from them. being that I am on a fixed income and these fee 's totaling about XXXX now it is about securing the funds to maintain a meager lifestyle that I have. this has gone on now for 7 months and I am now at the point of filing bankruptcy because of the loss of these funds.

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 2016-08-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I was dealing with an HVAC and they told me that they could offer me 0 % financing for 36 months through Wells Fargo. I thought the financing would be an installment loan. I gave my info directly to their office and they applied for the credit on my behalf so I did not see the application until they came to install the HVAC. A couple of weeks after I was told I was approved I received a credit card in the mail and my credit score dropped by over XXXX points because it was processed as a credit card not an installment loan. Worse I have to pay back the card in equal installments for 36 months instead of as a traditional credit card.

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 2016-04-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Four years ago Wells Fargo Bank charged off a credit line that I had with them. A year ago they filed a XXXX with IRS declaring that they had Canceled or Discharged my debt. Consequently, I included the discharged amount in my income and paid taxes on the Discharged amount. Now, I find that despite the Discharge, Wells Fargo is still reporting the entire canceled/discharged amount to credit bureaus as Past Due and still owing.

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 2016-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Dear CFBD, My name is XXXX XXXX and my wife XXXX and I were first time home buyers in XXXX XXXX XXXX in XXXX Illinois XX/XX/XXXX. We Financed a loan from Wells Fargo at 100 % at {$290000.00} and could n't afford to put XXXX % down so they split it up to an XXXX loan. They XXXX % loan is fine, but the XXXX % ( or Home Equity Loan ) is robbery. This loan was purchased at {$58000.00} at 9.25 % and was a 15 year loan with a balloon payment of {$47000.00} at the end of its term. Our payments consist of {$480.00} per month and over the last 9 years of onetime payments, our remaining principal balance is {$53000.00}. Over the years I have reached out my concerns to Wells Fargo about this loan and as a first time homebuyer, we did not understand the terms of this loans until a couple of years after its purchase. I went through a modification program, settlement program, and Home Equity Line of credit refinance program for this loan. They were all rejected by Wells Fargo because they see my wife and I are both working and can afford to make our payments. We have weathered the financial crises storm of XX/XX/XXXX and XX/XX/XXXX, but over the years our neighborhood did not. During that time period our house lost about {$100000.00} of its {$290000.00} from its initial purchase. Our house remains about {$35000.00} under water and with our bad home equity loan, at the very least Wells Fargo can do is modify this loan and have a normal financial rate. Our house has put us into so many struggling years and Wells Fargo is to blame for providing and tricking us with this bad loan. After over {$51000.00} of payments on a {$58000.00} loan, we still owe {$53000.00} on this loan. This is robbery. Our Wells Fargo Home Equity Loan account number is XXXX. If you could please look into this and do something about it, that would be much appreciated. That is the only right thing to do. 

Thank you, XXXX and 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 2016-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a car loan with XXXX XXXX XXXX and authorized them to debit my my Wells Fargo checking account one a month to pay my premiums. My checking account debited each month with no problems. On XXXX/XXXX/2012 my car was repossessed by XXXX. I reported my vehicle as stolen.The police found out it was repossessed. I called the bank and was told they have not submitted my payments because a letter was sent to me stating that I need to report to the bank to let them know who is authorized to debit my account. I explained I never received such a letter. They said they were putting my payments into a holding account until I reported to the bank as the letter instructed me to do. I explained I never received the letter and could they send me a copy.. They said no. I reported the matter to a bank representative and me some call on my behalf but was unable to get anyone wllling to send me a copy of the letter. 
I made several more attempts to get a copy of this letter and was finally told recently their never existed such a letter. I was deliberately misinformed by Well Fargo Bank.My vehicle was repossessed because XXXX did not receive 2 payments prior to the repossession date XXXX/XXXX/2012. I did not receive any notifications from either XXXX or Wells Fargo bank my account was in jeopardy. My credit was destroyed because of 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 2016-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a home equity line of credit with Well Fargo. I have had this loan for a long time. The total line of credit is XXXX. My outstanding balance is XXXX. Wells Fargo 's monthly payment request is for XXXX. I have been paying XXXX each month for a long time, so I can pay down the loan more quickly. There are some months I skip a payment, but because of my usual monthly higher payment, that has never been a problem. I skipped the XXXX 2015 payment, and now I am being charged a XXXX finance charge, despite the fact that I am ahead on my payments. I do not think this is fair to me. Also, I have been notified that my account is " restricted '', due to this skipped payment. Again, I feel this is not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I rented a car in XXXX, through XXXX XXXX XXXX, XXXX XXXX XXXX, for XXXX days. The vehicle was in terrible condition that it stranded my family in the middle of a XXXX with XXXX persons in the car. I returned the car to the agency after XXXX days of use and they stamped my receipt as XXXX days of use. Wells Fargo bank listened to the merchant and betrayed me, by paying the merchant all XXXX days, although I only used the car XXXX days. They listened to the merchant unjustly and sided with them. My life and my family 's life was placed in danger with this irresponsible merchant and now Wells Fargo 's lack of training of its Customer Service reps, did not look at the facts and lazily did not take into consideration the pictures, letters and docs that I sent 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 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Sir ( s ), I had a car through wells fargo and was paying the loan. I got unemployed. They repossed my car after 3 months. I went to XXXX XXXX to get it from the auction. I was back in there grace. I got in a car accident and had medical bills. This time they ask is the car repaired the auto insurance ( full coverage XXXX ) repaired it good as new. Then they said sorry have to talk to the repo department no answer. Reposed the car after fully fix. XXXX stuck me with a bill of XXXX. Without consultation. Filed complaint with credit bureaus they just put customer disagrees. But car had less than a XXXX left on pay off? So they just took the creditors word didnt investigate. Did't check worth of car after full repair etc. And stuck me with a bill. As usual just side with who they work for credit companies instead of at least compiling proof of damages or allowing me to see such. So thay turned a great profit resold the car got someone else a new payoff on a fully fix up car and charge me.

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 2016-10-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I opened a Secured Credit Card at Wells Fargo about 3-4 years ago. At the time, I was simply trying to re-establish my credit after a nasty divorce. A Personal Banker inside one of the local branches advised me to open a Secured Credit Card to help me in re-establishing myself. The Personal Banker explained that my own money would secure the credit card, allowing me to make purchases. He assured me that at some point, as early as 12 months or as late as 18 months, my credit card will become unsecured and my funds released back to me, and at that point I would have a normal credit card with even a possible credit limit increase. I am going on 4 years now I believe and each and every time I ask about my funds being released back to me, I am told that it is still under review. I called this afternoon to ask when I opened this credit card and I was told that they could n't release that information to me and that I would need to find my opening statement and look on there for it. I feel that this is just another bold face lie by Wells Fargo to tie up my {$1000.00} for this secured credit card while they obviously charge me interest on my purchases but I am not receiving any interest on the {$1000.00} that they are holding and refusing to return to me.

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 2016-06-14 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: TX

Complaint narrative:
This payday loan company says I took out a loan with them. They are stating the amount owed is somewhere around {$800.00}. I do not recall ever taking out a loan with the company they are referring to. I have given them my cell phone number and my desk number at work. They keep harassing me at work contacing the Director of my company getting them involved. I have already received a warning from my Human Resources deptarment reagarding a write up. I do not want them contactin my job anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage company did not pay my property tax for the period XX/XX/XXXX. I had a mortgage payment that included impounds for property tax and home insurance. When I returned from a trip, I received a notice from the Tax Collector that my property tax payment was delinquent. I immediately sent a letter to the lender my complaint. After a week of dispute, no settlement at all from their part. 
I have not been late with my mortgage payments for at least 4 years. My mortgage statements of XXXX/XXXX/XXXX up until XXXX/XXXX/XXXX showed escrow payments which I pay on time. What I do not understand is, how can a well known lender like them would be negligent in not paying my escrow. I did not even receive any notice from them that they are not paying my escrow. So I was just paying my mortgages on time knowing that my property taxes and home insurance are paid on time. 
My penalties have increased by the time I made arrangement with the Tax Collector. Since I do not have the full amount to pay my delinquent, I made a payment plan. I paid XXXX % up front and the rest in installments with interests. 
My stress level has gone up because of this. I have sleepless nights on how to budget my money now. I just hope I am not their only customer that experienced this. It is stressful and hearth breaking. You loose respect of the lender 's credibility. 
Thank you kindly.

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 2016-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My name is XXXX XXXX, i requested Loan modification, to my mortgage leader, and they denial, I also requested short sale, and they have been playing game, asking documents offer and offer again. Now I really need help. My Phone number is XXXX. Or my husband number XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo flagged my credit for a late payment without notifying me that there was an outstanding balance on my account. I have multiple accounts with Wells Fargo and my information was up to date. Their " attempt '' to contact me was a quick phone call with no introduction and asking for the wrong person. Not only did they fail to introduce themselves at all ( name or company ), my name is on the account and they got it wrong. I figured it was just another telemarketer, but I found out later it was Wells Fargo! I have had this account for over 15 years with them and they could n't even complete a professional phone call to inform me of an issue with the account. Also, no attempt was made to email me or leave any messages. As soon as I was aware of the overdue amount, it was paid immediately but my credit score still dropped more than XXXX points. It was much easier for them just to cause severe damage to my credit than to make an attempt at customer service. I would not recommend Wells Fargo to anyone.

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 2016-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
See prior CFPB Complaint Case number : XXXX Wells Fargo failed to process multiple requests for an extension to close a short sale until 9 days before the closing date. Wells Fargo has indicated that the extension request was denied but has not provided a detailed explanation. This buyer has been waiting for over 2 years for this short sale to be approved. It has been mishandled by Wells Fargo and delayed for no justifiable reason. I have attached the emails showing that the extension request was not processed until XXXX despite the requests sent throughout XXXX. Wells Fargo is denying they received the requests, but I have attached the emails showing I had requested the extension in XXXX. Now, we have to start over with the short sale because of their failure to request an extension from the investor in a timely manner.

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 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My bank is wells fargo. I feel like they are setting me up to fail. I am in short sale process. I have complied with all requested information. They said I have 90 days to get a contract for sale or they will forclose. I worked with an agent. I got an offer on home that is XXXX dollars under what I owe. With colsing cost it will be about XXXX short. Were I live there are about XXXX homes for sale and only XXXX buyers. I submitted offer and they are telling me and my agent that we can not talk to loan short sale processor. I have to go through a liquidation advisor who never returns my call. When he does not return calls I have to talk with someone in the central pool. Now they are telling me that they have 90 days to respond to offer but if I do n't get the bank to sign off on this deal by end of the week the buyer will walk away. It is a very fair offer and I will most likely not get another. While I am trying to get this offer approved they are progressing with foreclosure and one department does not know what the other is doing. I have to move out of home in a month. I will not be able to keep utilities on. XXXX will adversely effect the house if I shut off utilities. They are making it impossible for me and feel that they are pressuring me to just sign home back to bank. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TN

Complaint narrative:
I paid my mortgage with Franklin American in full on XXXX/XXXX/2015. I have a {$3400.00} escrow balance still with them. It has been 1.5 months and they are still holding my escrow money. When I contact them they say they will mail it but to this point I have received nothing. I am concerned they will keep my {$3400.00}. I am looking for help with getting my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX. I traded-in my XXXX XXXX XXXX. 
I owed XXXX on the XXXX to NFCU. The vehicle I purchased a XXXX XXXX was sold to me XXXX. XXXX XXXX gave me XXXX for the XXXX leaving XXXX due on the loan. The dealership had me apply for the loan with NFCU. On the Buyers Order the dealer put N/A in the pay off amount. When asked about the N/A the dealership stated that NFCU required it for loan approval. the dealer It then put a XXXX down payment that they never asked for and I never paid. The balance due on the XXXX was XXXX. When I got the check from NFCU it was for XXXX not enough to pay for the XXXX. The dealership demanded that I pay more XXXX more. I did not have it. They said that they would take the kia back and put me in a XXXX XXXX. They said they spoke with NFCU and it was ok. The XXXX was horrible the door would not open the window would not go down and after two months the brake rotors had to be replaced. I do not know how it passed inspection. It failed when I took it for inspection. 
The XXXX was sold for XXXX. The Buyers Order for the XXXX and XXXX have the same date event though months passed between the two events. 
The buyers Order also have the same mileage for both cars. I could not get title to the XXXX and when I submitted the title for the XXXX to NFCU they said that it would not qualify for the loan that they made. NFCU increased my interest rate to 18 percent for an unsecured loan. NFCU also told me that the the XXXX I originally purchased with its loan was not in my name it was in the name of another servicemember and had two different member loans on it. 
How do you lend money on a car you already have a loan on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation