vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Friday afternoon, XXXX XXXX, I was contacted at my home by telephone by a representative from Chase Bank ( call # XXXX ) indicating that there appeared to be fraudulent activity connected to my accounts, and asking me to add a password and security questions to my credit card accounts. About an hour later, I was called once again at home by telephone by a respresentative from Chase Bank ( call # XXXX ) asking me if I was physically present at a branch - I indicated I was not, and told the representative about call # XXXX, and suggested to her that they should detain the individual in the branch, as that was likely the fraudster. About a half hour later, I was called yet again at home by telephone by a representative from Chase Bank ( call # XXXX ), indicating that they believe there was fraudulent activity on my checking account, and that there were withdrawals for cashiers checks. I responded that these were clearly fraudulent activity. The Chase representative told me that I should come to a branch, and close the accounts, and re-open new accounts, which I immediately did ( we arrived at the branch at approximately XXXX ). Online activity indicates there were XXXX withdrawals to fund cashiers checks, XXXX for {$1800.00}, and XXXX for {$3500.00} ( copies of these withdrawals attached ). Had Chase checked the signature card on file, they could have clearly seen that the signatures on these withdrawals slips are not mine. 
I understand this claim is noted with the Chase internal claim # of XXXX. 
Chase is telling me it may take 30-45 days to return my money, even though I have sent them an claim along with the notarized police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I applied with my credit union ( Navy Federal CU ) on a mortgage. They claim that if they can not match a rate that a competing lender is offering that they will pay you {$1000.00}. I ended up closing with the competing lender and NFCU will not honor their {$1000.00} rate match claim as it is described on their match form. Their rate match claim form reads " Upon receipt, Navy Federal will review the HUD-1 Settlement Statement/Closing Disclosure and the Mortgage Note to confirm that the loan closed on the same terms and conditions originally quoted by THE COMPETING LENDER. '' The form does not say that it has to close on the same terms and conditions that Navy Federal was offering. I feel as though I was deceived by this and NFCU does not want to honor their rate match claim as stated on the form. I have been in the mortgage industry for 22 years and this is a classic case of deception that we learn about every year during our continuing education classes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
( WELLS FARGO BANK , NATIONAL ASSOCIATION ) is the bank that holds my mortgage, they are consistently mismanaging my escrow account. Almost every year since they brought out my mortgage from another company at the end of each year I 've had the payable payments of more than {$2500.00} sometimes a little less for their claims of my escrow always constantly being short. Even as my land taxes went down three years in a row, my escrow for some reason was always short. When he forced me to pay the extra balloon payments at the end of each year, they tell me that this little payment make my escrow have an overage. So XX/XX/XXXX if I paid {$2500.00} plus my motley mortgage fee of {$1400.00}, does n't this mean that I now have a surplus of escrow. Now with that being said consider the fact that my land taxes decreased, my home owners insurance decreased from XX/XX/XXXX to XX/XX/XXXX ; why am I still left with a escrow shortage. I believe his bank is consistently committing theft by deception, and I will be immediately looking to my local law enforcement agency to file those criminal charges against Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear CFPB, I have lived in the XXXX XXXX area for the last 30 years and strive to be a good citizen. I vote, pay my taxes, and am an active member in the community. I really enjoy where I live, but am in a situation where I may lose my house to foreclosure. I have been trying to work with my mortgage servicer, Wells Fargo, but they are failing to communicate properly and are not providing me an opportunity to pursue retention options. They have never given me a single point of contact who would return any of my calls, and now I have a foreclosure sale scheduled for XXXX XXXX. 

My discussions with them have stalled and I am hoping you can contact them and open a line of communication that leads to a constructive conversation regarding my mortgage and the pending foreclosure sale. 

I have worked for many years in XXXX. I never had any problems or issues financially until I had a horrific traumatizing experience : my XXXX year old son passed away. This experience was devastating, setting me back emotionally, physically and financially. You know that saying when it rains it pours? My child support ended, my XXXX husband could not endure the crisis and left me and filed for divorce, and then I struggled to find a job while still grieving. As a result, I could not keep up with my mortgage and fell behind on my loan payments. I reached out to Wells Fargo to negotiate a repayment plan or a loan modification, but I could not get anywhere. I was so frustrated!!! I tried to make a partial payment, but they sent the payments back and told me I had to pay all the arrears in full!! I gave up trying to deal with them until I got somewhat established financially. I inquired again in 2014, but was told over the phone the same thing again ( that I had to pay the arrears in full ). I decided to try anyway and applied for a modification and got denied a couple of months ago. However, I was never given any alternative options to save my home or appeal the decision. 

I have to continually try to explain my position to the representatives who answer the phone, but I ca n't seem to get any answers from them. They flat out have been lying to me throughout this process, telling me that they want to help and that falling further behind actually makes a better case for modification, and then denying me any help saying that I 'm too far behind. They have essentially slammed the door on communicating with me. I just need someone at Wells Fargo to speak with me and give me reasonable options to save my home. This is an avoidable foreclosure and I believe I qualify for help if Wells Fargo would come to the table and have a constructive conversation. I would like to see if you could contact them on my behalf and get them to speak to me in an attempt to save my home from foreclosure and give me a proper review for retention options. I would be grateful for your effort

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo deposited and cashed a XXXX party check without having the required XXXX signatures. Outcome to XXXX XXXX, 2016 letter from Wells Fargo Original compliant XXXX. 
XXXX XXXX, 2016 Subject : original CFPB XXXX XXXX XXXX XXXX since your last correspondence date XXXX XXXX, 2016, I have followed up with XXXX regarding the breach check on XXXX XXXX, 2016. As of XXXX XXXX, 2016 XXXX informed me that Wells Fargo has requested additional documents, I have included Citibank 's correspondence. A S Home Improvement is Wells Fargo client. I have not had any contact with A S Home Improvement since Wells Fargo deposited and cashed the check without the required signature from A S Home Improvement on the XXXX party check. This account and video has been subpoena by XXXX. Contact XXXX XXXX XXXX regarding the police report and warrant. 
Although you have stated Wells Fargo corresponds directly with XXXX, XXXX suggest that I correspond with Wells Fargo. It appears to become a XXXX game that I can not entertain. Wells Fargo gave the funds away without following Banking Regulations. I am the victim of this crime. The request for me to get an affidavit from your client, who has vanished, is absurd. Wells Fargo is liable because banking protocol was not followed. Therefore, the breach check needs to be replaced in full and sent to XXXX. More than enough time has passed to resolve this issue. 

CC : CFPB

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 2015-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Name is XXXX XXXX, XXXX of XXXX XXXX who passed away. ( My Father ) The property in reference here is XXXX XXXX XXXX in XXXX XXXX, CA. My Father had this on a reverse mortgage but the home was also under water. Our agent XXXX XXXX XXXX XXXX ) XXXX with XXXX XXXX XXXX fought for over a year to negotiate with Wells Fargo Reverse mortgage to approve the short sale. Did is also a probate sale in which the court is really pushing us to close. We got approval on XXXX XXXX 2015 with a deadline to close by XXXX XXXX 2015. Everything was going well until XXXX of the buyers got ill and ended up XXXX. During this period there was nothing we could do, nor his lender. He was XXXX and i do n't possibly know a way we can make hime sign, or summit documents in that condition. This is clearly something that was out of our hands. We reach out to Wells Fargo to explain to them the situation and they refuse to work with us. The processor clearly told us that if we do not close by XXXX XXXX. The deal will be drop and property will face foreclosure. They said their hands were tied and nothing they could do because this was a HUD guideline not theirs. How is this possible? we work so hard to finally get this deal here and how is it that we could not get 3-4 extra days to close when the buyers was submitted to the hospital. How is it that there is no exception for something like this? This was out of our hands and by anyway not a delay to close the file, it was an emergency the buyer went through. We are very upset because the files was drop and they are making us re-sudmit everything again so they can now approve us for the short sale. The whole experience with Wells Fargo was a nightmare, from them losing documents, to changing terms last minute, to approving XXXX thing and then changing it. How are they still able to operate. This is so unfair, we are only trying to make this right and it feels like they do n't care and all they want is to insure we lose. The buyer is out of the hospital and is devoted that the house he was only 3 days away from having has now been taken away over some policy that makes no sense. No supervisor, no manager could help. They all said there was nothing they can do. We want this deal close and we want to make sure they comply with that. As consumers i feel we are taken advantage. How is it that they benefit from turning down this deal from closing due to a 3 day delay?? would n't it make more sense for them to get pay and get this over with it?? 

I really hope you can help, my family is devastated by this. We can get over how they can just screw like this. We fought so hard to make this happen and now they just cancel the file over something we had no control.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a wells fargo non escrow customer and In XXXX XXXX Wells Fargo contacted me via mail to state my property tax payment was in default. I stated to them I was paying my property tax using a payment plan with my county tax department and that I was not in default status. I presented wells fargo with all supporting documents to show that I was on time with my payment arrangement. They stated they understood and as long as if I continued with my payment arrangement they would not interfere. In XXXX XXXX I received notification that they made my account an escrow account paying past taxes which I was paying on a payment arrangement and the current tax payment for XXXX. When I called Wells Fargo the representative stated " we made your account an escrow account as a preventive measure so you would not go into default. '' At no time did any representatives from wells fargo ever call me to discuss my account status and to see if there was a action being taken against me. After many phone calls and debates I notified executive services of my complaint with their non escrow department and my financial hardship that I have now been placed under. This hardship that wells fargo placed on me by now demanding I pay back this money in 60 months and not allowing me to refinance or go through a loan modification stating I can afford the new payment due to my GROSS earnings has placed me to consider foreclosure and has made my family in crisis My original payment I was paying was XXXX wells fargo is now requesting me to pay XXXX. This is a XXXX increase. I have pleaded with wells fargo to review my finances using my net income and expenses and to allow me to have a conference call with their underwriter to discuss my loan status I was told no that that the underwriter is not available and that no representative would talk to me. I was informed to appeal my case and submit documentation explaining my situation. I stated to the representative that I am confused and really need to speak to someone. I also told the representative I have been a good customer never late on a payment and deserve the opportunity to speak to the underwriter. I also stated why would the bank not consider extending the payment of the escrow account owed so the payment could be more affordable. I am confused why they are unwilling to work with me and have me go into default. I also was informed if I pay my original amount of XXXX they would reject the payment amount. I can not express enough the emotional turmoil this bank has placed on me for a situation they had caused.

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 2016-01-21 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received an active credit card from Wells Fargo Financial National Bank that I did not apply for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo : Mother died in XXXX of 2016. In her belongings was an inactivated credit card. All her accounts were closed and notice of her death provided by the end of XXXX. In XXXX a credit card statement was received with a " XXXX balance ''. XXXX separate phone call attempts were made to a number given to deal with the credit card. Each time the automated voice comes on and states " no one is available to answer your call '' it gives the hours of operation. The calls were made within those hours and days. A call was then made to Wells Fargo Customer services. Which said it had to be handled by the credit card services and I was transferred to a person ( XXXX XXXX XXXX ) who said she could not access that account and sent me to a third number which answers with " no one is available to take your call '' and it just hangs up.

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 2015-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have been applying for assistance since XX/XX/XXXX. My loan is an FHA loan and my lender Wells Fargo Home Mortgage has been refusing to review me for assistance since then. They keep having me send paperwork over and over and then block me from a review each time stating they can not review me without a new change of circumstance. My husband who was half of the income for the household moved out in XX/XX/XXXX. He moved back into property after we reconciled and this was our change in circumstance. My household income went from only XXXX source back to XXXX. Wells Fargo has only played games to buy time to be able to stall and get more for my house. They never had the intention of reviewing me for assistance. They only placated me by taking my paperwork, but never actually reviewing it for assistance since XX/XX/XXXX. They did this in order to buy time and now they are trying to push me out of my home without even reviewing me for assistance to save my home. I now have a sale date and I finally hired an attorney to get my financial packet complete and they now state I can not reapply without a change in circumstance. They have been using this excuse to turn me down since I started asking for assistance back in XX/XX/XXXX. My change in circumstance is that my husband moved back into the property with me so my household income has increased and our out of pocket expenses have decreased. They have never actually reviewed my file for assistance. They continually deny reviewing me for assistance stating that I have no change in circumstance. No matter how many times I tell them there is a change, they just refuse to actually review me for assistance. I only want to actually be reviewed for assistance. I am being told by my attorney that I do qualify for a standard recap modification now that my husband moved back into my house. That Wells Fargo blocks borrowers from assistance as their common practice. Please make them stop blocking me from an " actual '' review and help me save my home. They have never had the intention of reviewing me for assistance and are solely trying to just block and foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo took {$10000.00} from my account with no due process or prior notification that this would occur. The debit on my accounts only had the name of a law firm I did not know and a phone number from a city I had not visited in over 10 years. After some investigation I found that Wells Fargo had taken my money due to a court order against another individual with the same name. I spoke with the lawyer listed on the debit, and he worked with the Wells Fargo lawyer to return my money. 
While I am glad to have my money back I am still troubled by the gross negligence displayed by the bank in taking the money out of my account without verifying any personal information beyond my name ( no SSN, no DoB, etc ). When I asked the bank for an explanation they offered none, then after originally agreeing to escalate the issue to their executive office they began an endless loop of transferring my call to other office that could not help. 
I was lucky to catch this transgression when I did, and even luckier that I was able to live for a short time without the funds they took, but that does not excuse the reckless behavior of Wells Fargo. I hereby ask the CFPB to investigate Wells Fargo in their lack of due diligence when paying debt collectors and prosecute the bank for any illegal activities that the Bureau uncovers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My husband went to a local branch and paid off my car loan. Knowing he was not on the note and the branch woman could not release my account status information ( payoff quote ), he rounded up and overpaid ( what I showed on my account to be the remaining amount ) by {$3.00}. We received the paid-in-full letter dated XXXX XXXX, 2015 via mail stating the title released and enclosed. On XXXX XXXX, 2015, I called requesting the payoff overage. The man I spoke with said he could not find it, nor my final payoff statement. I asked him to get manager assistance and he stated the manager could not find it. The man said he could send a payment history, I never received this document ( I did note that the CR verified my current address ) My husband called again on XXXX XXXX, 2015 to simply request a payment history ( or payoff quote, I can not remember ) sent to the address on the account. I then called sometime in XXXX? ( I did not write down the date I called ) and spoke with XXXX who then transferred me to XXXX. # XXXX XXXX was very defensive during the call regarding this history of mine and my husbands previous conversations with the company. # XXXX XXXX stated there was no overpayment ; however, how could it be that my husband rounded up and that overpayment amount just so happened to be the EXACT per diem interest rate? The final principal was {$1800.00} ; my husband paid {$1800.00} ; an overpayment of {$3.00}? # XXXX XXXX advised she would send a payment history within the next 7-10 business days. I have never received this document. Please understand that I did affirm XXXX at the end of our call, because I believe in affirmations and I know CS is not always easy ; however the tone of her conversation was defensive until that point. A CR should never be on the defensive. We as customers can not see the same history CR 's can and most of the time we are going based on our lunch-break chicken scratch of notes.

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