vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
First of all, my mother sold her furniture business overseas and collected XXXX XXXX dollars and deposited the monies in Wells Fargo ( XXXX XXXX at the time ) before she passed 15 years ago. As the years went by, my Father suffered XXXX SINCE of my mothers death. My sister who was once a XXXX ( XXXX XXXX ) over 20 years ago became a " XXXX '' at XXXX today. My father who suffered XXXX in his XXXX was in the hospital and XXXX. As ME being the POA and the Administrator of my fathers estate, my sister before he died a few years back seen the former co-worker aka XXXX XXXX at the XXXX XXXX Wells Fargo to make a fake account in her XXXX sons name and had stolen over {$300000.00} AFTER his death, and over XXXX was taken from the Widow using HER Name, NOT HIS. I 've hired an Attorney to overlook the case WITH the Evidence from a subpeona to Wells Fargo to PROVE Wells Fargo uses FAKE accounts to attach to innocent bank accounts to STEAL funds from the elderly/XXXX. Wells Fargo REFUSES to answer the question on WHY it was done AND XXXX XXXX to whom I scheduled 2 appointments to speak to never showed up to the appointments to EVADE from the FACTS on WHY she did that with my sister. The BOTH knew my parents and MY financial business to STEAL when a Father was in XXXX and used the POA to stel the monies AFTER his death and continued for a year later AFTER his death. My Attorney advised me to communicate with this site to see HOW Wells Fargo is an unfit business to our customers. The sister stolen the savings, checking, AND Investments accounts with an ILLEGAL POA after my Father passed on XXXX XXXX, 2014. She emptied the savings, checking, AND the investment accounts ILLEGALLY per Wells Fargo 's evidence sent to US!!! The other Wells Fargo employee XXXX XXXX Notarized an Illegal Deed for my other sister to obtain the Estate Illegally when Wells Fargo DOES N'T DO Deeds with their Employees!!!! 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 2016-03-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I cosigned a student loan for my son. When we entered the repayment period, I tried to set up an online account to pay online. I was unable to do so. When I contacted Wells Fargo I was told that my son could set up an account and allow me access through a guest account, but I would be unable to pay the account through a guest account. Only the primary borrower could pay online. I must either mail a check, go into a branch or make a phone payment each month. I feel this is ridiculous given the fact that I would be held fully responsible for the balance if my son was to default.

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 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The Servicer does not allowed an alternate option in repaying the amount owed. The company is forcing a foreclosure. Is there any HAFA ( Home Affordable Foreclosure Aletrnative ) available with this 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 2016-02-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The lender Wells Fargo will not work with me to lower my monthly payments, thus driving me to consider defaulting. It is unfair for them to not offer any reasonable options for people like myself who are pursuing a better life in this country. I received an education that did not lead to a career in my field of study as well so i feel college advisor offices were very misleading as well. I feel trapped and there is no way out and have no hope for the future. Wells fargo student loan services is extremely greedy and shady as they are also unable to provide all of the allegedly signed documents after i 've requested them on several occasions. Please help me in resolving this issue and having Wells Fargo lower my monthly amount taking into consideration all of my debt/including federal loans. Their customer service is also terrible and lack empathy. Please help me! I feel trapped and extremely depressed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX Wachovia/WellsFargo placed a HELOC lien on property that they do not have a loan against. This is my investment property. They were contacted on XXXX/XXXX/XXXX regarding this and asked to resolve this asap since they refinancing was to be on XXXX/XXXX/XXXX. They have yet to correct this as of XXXX/XXXX/XXXX and today asked for 10 more days.

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 2016-07-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX Address is XXXX XXXX XXXX XXXX PA XXXX XXXX Partial account number is XXXX As I stated in my phone confirmation, I have done all that was asked of me and still being ignored in reference to my concern and request. The stress level concerning this matter continue to rise and affect my health. Know you tell me after I have proved your finding and your praises findings to be incorrect, You now want me to jump through more hoops to be able to get this matter corrected. When all it would take is to have your appraiser to go back and redo the appraisal the correct way, knowing full well that once he does this that the value of this property will not be as it was when done with the incorrect square footage. I am trying to work alongside of you to get this matter taken care of so that we all can move forward in this situation, But I guess you are choosing to drag it out so that you could move further along in the foreclosure process before you make another decision and have the necessary documents to be able to just force me out. 
This situation has caused me great level of stress which has also affected my health and my capability to be able to live a normal life.

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 2016-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo employee XXXX, a Market Support Consultant violated my financial privacy when she provided account history for my home equity account to a third party and testified to the fact in open court without receiving consent from the account holder or acting on behalf of court subpoena. This occurrence took place XXXX XXXX, 2013 in the XXXX, Maryland. Room 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 2017-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
WELLS FARGO HAS NOT ANSWERED MY QUESTIONS AS TO WHO WAS WHAT IN THE INVOLVEMENT OF MY MORTGAGE AND FORECLOSURE. I AM SENDING MY REQUEST FOR THOSE ANSWERS.

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 2015-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, 2014, my husband and I signed a residential contract of sale form to purchase a house. Wells Fargo was the name of the bank we used to finance the loan. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested my husband and I to have this house inspected by a company which they must approve that is contracted and authorized to supervise and sign off on rehab work. My husband and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 

After the inspection was done and I found that the roof repair estimation was incorrect because it was for a XXXX roof instead of a XXXX roof. I had paid a XXXX {$250.00} to inspect the XXXX roof and give me the cost to either repair or replaced the roof. When the contractor emailed me the estimation, I had forward the email to my loan officer at Wells Fargo. He told me that he suggest that my husband and I let the house go and he did not communicate with me any more. I have called him numerous times and emailed him as well to let him know that my husband and I still want to move forward in purchasing the home ; we told our agent as well but the loan officer never called me or replied to any of my emails. My husband and I was willing to pay for the roof repair in order that we may stay within the loan approval amount. The loan officer which was handling our loan paper work never took our desire into consideration and as a result we lost out on purchasing the home and lost our {$800.00} for the mandatory inspection as well as the {$250.00} XXXX roof inspection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I 'm an authorized user on this account and when the primary stopped paying as agreed, the credit card company is reporting negative information on my credit report. As an authorized user, this should not be reflected on my credit only on the primary 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
A {$250.00} payday loan was deposited into a checking account I closed in 2013 from CashNet USA. I might have used this lender in the past but it had to be over 2 years ago. I called the company once my old bank contacted me ( I had no idea this money was deposited until CashNet USA tried withdrawing more than {$250.00} ) and was told I needed to file a police report. I explained my situation emphasizing fact they sent unauthorized money to a very old bank account but they still refused to help. I also offered to send them a copy of my current account statement showing I had absolutely no need for {$250.00}. My old bank ( XXXX XXXX ) is in the process of returning {$250.00} to CashNet USA yet I still received an email stating my account is being turned over to collections. This is a giant scam!

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 2016-09-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I signed up for a credit card through Wells Fargo, who I have been a long term member. Well. I have noticed that I have been charged around XXXX dollars per month again because approximately 5 years ago, I called XXXX XXXX and have talked to my local bank who tell me that I must contact XXXX XXXX myself as XXXX XXXX is a third party member not affiliated with the bank. they said at that time they will canceled but they added to my account again, because I never ask for that type of services, let me know if there is any way I can get refund for all this years they are been taking money from my 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 monetary relief
Consumer complaint received 2017-01-02 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:
My partner and I had removed our overdraft protection from our Wells Fargo checking account. The removal is supposed to prevent the approval of transactions if there is n't enough funds to cover a transaction. However Wells Fargo allowed 12 transactions to clear @ {$35.00} per instance totaling {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
My mortgage company cashed my XXXX part payment XX/XX/XXXX. They did not apply my payment but cashed the checks. XX/XX/XXXX, 1 month after the payment, they automatically entered me into a " foreclosure '' status and started a modification process. I bought the home is XX/XX/XXXX and have never been late. The modification took over a year. I have finalized my divorce and my exhusband has signed a quit claim deed removing his ownership in the property so I could modify per Wells Fargo instructions. I have made my XXXX trial payment and they are refusing to remove my ex-husband from the Note. They state that the only way I can remove him is to refinance. If I was in a position to refinance, then that is what I would 've done a year ago. This modification process needs to be examined. I have been sent letters from Wells Fargo attorneys stating that Wells Fargo has started foreclosure proceedings, I have been unable to make online payments as they turned off this option in XX/XX/XXXX. They mailed back my payment I made in XX/XX/XXXX and automatically started this modification, all the while, I did n't know if I would get a knock on the door with eviction from my home I share with my XXXX boys. I work in the mortgage business. I know the process like the back of my hand. Wells Fargo is a bully and I want them exposed. Bottom line, I want my home. I am capable of making payments. Wells Fargo has crippled my opportunity to refinance my home by first, refusing my payment ( mailing me a check back after cashing my checks for XX/XX/XXXX payment ) and second, by entering me into a XXXX year note, burying me with no value left for me to refinance. I have recieved no Good Faith Estimate, No truth in lending statement ... just a paper statement of what I am supposed to pay for the next 3 months and still not convinced they will " apply '' the payments and take my home. I owe {$89000.00}, the condo is valued at {$110000.00}. Wells Fargo continually sends me foreclosure notifications in the mail, however, on the phone, my " Home Preservation Specialist '' assured me I was n't in foreclosure. Its a stressful/emotianal situation. I want big banks to stop this nonsense. Please look into this as I know they are not doing things ethically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was granted trial payments for a loan modification in XX/XX/2016 I have made every payment on a monthly basis as indicated last payment on XX/XX/2016. I received notice that as of XX/XX/2016 I will no longer be in the loan modification program due to title issues. I have an attorney and we filed a claim against the person who put the fraud liens on my homes, the person defaulted. The problem arouse due to the company " XXXX '' hired to process the proof of service did due the service correctly as a result the case was rejected and I had to start over. I had him served again bay another company " XXXX '' in XX/XX/2016 and he defaulted and I had him served with notice to file default on XX/XX/2016. So now I need to wait 45 days before I can have the court order the default and damages. I have tried to make the mortgage payments in this month XX/XX/XXXX and they will not take the payments. I need more time to clear the title as described and I need to remain in the loan modification program. The reason it has taken so long is out of my control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2016 on of our newly opened business account was " taken over '' and over {$10000.00} was stolen by a thief by the way of ATM, department store purchases and in branch cash withdrawals of various amounts not exceeding {$2500.00} at different branch locations. 
A Banker helped us open a claim with WFB and was able to retrieve the money stolen from our account through the ATM. However, WFB rejected the in-branch cash withdrawals totaling {$9400.00}. 
For 6 past months I 've been told by the Banker that this is a mistake and that claim would be re-opened and re-evaluated. But no progress has been made. 
All requests to the supporting documents such as photos/videos used by WFB to reject our claim have been stone walled. 
The bankers do n't take our calls or return our messages. I spoke directly to the claims department and they said they will let me know 'if ' ( yes I confirmed they did say 'if ' ) the documents were available and that they do n't necessarily need to have documents to reject a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
In the summer of 2015 XXXX XXXX XXXX of FCB Mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX verbally approved a mortgage for my family to purchase a newly constructed XXXX XXXX in XXXX XXXX. While in the presence of the XXXX sales team he advised us we were good and asked us to provide a deposit of {$19000.00}, in which we did. During the ensuing XXXX8 months when the house was being built we were called by XXXX inviting us to visit the house when it was near completion. XXXX gave us an access code for entry and invited us to a XXXX XXXX meeting for new residents. We completed their final walk through with XXXX and was provided with a final XXXX to close the loan. When we began the process of wiring the closing costs through the title company, FCB Mortgage called to say the loan could n't close. Suddenly on the day of closing, FCB changes programs and requires additional insurmountable conditions. Now we are being told we can not get our deposit back. 
XXXX XXXX was aware of the approval as they contacted us with closing dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
This complaint refers to the checking account with Wells Fargo opened on XX/XX/2016. This account was opened with the understanding that it is eligible to receive {$100.00} bonus after all qualifying transactions were made ( please see scans for details ). 
As pr requirement of this bonus offer terms and conditions, all qualifying transactions were made shortly after the account was opened. As of XX/XX/2016, no bonus offer was received despite the fact that I have tried to discuss this problem with various customer service representatives including from online department. 
Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: LA

Complaint narrative:
I am XXXX. In XXXX my husband was ill and obtained about XXXX. Medical bills were high and we missed XXXX insurance payments which put us in force insurance. We paid this for about 1 year. In XXXX, four years later, we recieved a bill for {$4500.00} for those three months of insurance of which we had already paid into for one year. Then my husband died. We were both elderly, XXXX and on social security. I lost my husband 's income. On XXXX/XXXX/XXXX an XXXX reasonable accommodation request was sent to the mortgage company, the servicer and the attorney. It was considered an at-risk extension request instead of a reasonable accommodation request and was denied on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX requested that I send the reasonable accommodation request to the mortgage company again along with medical confirmation of my XXXX. This was done on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX a status was requested on the reasonable accommodation request and RMS stated that they did not have anything in the file from XXXX/XXXX/XXXX. So all was resent to XXXX and also to their attorney. There is a sheriff sale scheduled in one week on my home and I am not getting answers. I am being treated as though I never submitted my request.

Company response to consumer: Closed with explanation