vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Good morning my name is XXXX XXXX I have a mortgage with wells fargo for my house that I live located at XXXX XXXX XXXX XXXX PA XXXX on XX/XX/XXXX2015 I apply for a home load modifications I provide all information requested wish I am enclosed here for you review XX/XX/XXXX2015 I received a letter of denial for my motification base on my income please note my income as I prove it on my documents are about {$2400.00}. a month and my expenss are over {$4400.00} a month I do n't see a reason why my modification can be approved when is clear I have a higher expense then income please I need your help to review this denial I want to keep my house and I want to have the help of my modification to reduce my monthly mortgage payments at my house it looks to me wells Fargo want to foreclose my house so they can make more profit see documents enclosedXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I took out a revers mortgage four years ago.my son and granddaughter were support to pay on my taxes and insurance. In XXXX wells fargo sent me posted card. did n't open I thought it was junk mail. They never sent out a formal letter letting me know about my back taxes and insurance.wells fargo never give me and option of repay on the back taxes and the insurance.they sent me a letter for 30 days to comply that I was still living in my home that what started the hold thing.we sent them prove that I was still living in my home. be for the 30 day was up. well fargo still file a default any and started the prceeding of foreclosure .nowing that we was working with them by califorina law they have to work with us I call crop office in made a complaint. we told her the same thing they investigated the issue. well fargo called my granddaughter told her that the house was out of foreclosed, but did not give use anything in writing, but still put a default on the house making it difficult to refiniance the property. I feel that well fargo should have work with me on repaying the taxes in the insurance. instead of the default being file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo contacted my phone in attempts to bring my joint account with my husband up to date. I told them i was aware of the over drafted account but due to the sudden loss of my mother, i lacked funds to bring the account up to date in order to pay for her funeral. I told them not to contact me not my husband because i will bring the account up to date when my husband i returned home from her funeral and there was simply no need of a reminder. They responded and said okay and within the days they reached out to my husband several times and i finally answered the phone reiterating that i demanded you all not to contact us during our time of hardship, we were aware of our debts and when we had the money which would be next week, we would replinish the account. I am already emotionally distraught due to my mother 's passing and their constant harassment is not helping.

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 2015-06-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX. XXXX XXXX number : XXXXXXXXAs I was checking on my case Wells Fargo 's Response says : We have established contact with XXXX. XXXX XXXX legal representation XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX. XXXX XXXX loan concerning payment assistance. 
However, I called my attorney and he said they have never contacted him. 
So as usual they are n't doing anything. I got a letter from the VP of Wells Fargo saying they are checking in to it, but so far nothing is going on. 
Again, I had to file a new modification this month and the appraisals are going up and now they will be upping the value of my home. This is not fair and it is nothing but a run-around for homeowners who are trying to get things straight. 
They also keep sending me statements that I owe back interest of XXXX and I am in Bankruptcy court. How is that legal? Thank you for looking into this. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Our loan got sent to the foreclosure department even though we tried to work with Wells Fargo so this didnt happen. When we were 4 months behind, we were told we could pay a minimum of XXXX payments. When we called back to make the XXXX payments, we were denied based on incorrect information given by XXXX department within Wells Fargo. This amount was XXXX. We were then told we had to pay the entire delinquent balance, roughly XXXX. I inquired if I could use XXXX accounts to pay and again was told we were allowed. I called XXXX to pay this amount and again, was denied. XXXX/XXXX/15 we were sent to the foreclosure department and now have to pay an additional amount of almost XXXX in attorney fees. We do not understand how this is justified. We did what we were told to do each time but it was always wrong and shrugged off as our fault. We are not the only loan they do this with and it is not fair to homeowners! No wonder there are so many vacant, foreclosed homes! We want reimbursed for these attorney fees that were completely unnecessary!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I DID AGREE FOR LEASE A DEVISE WITH BANK FOR THE AMOUNT OF {$50.00} A MONTH and they on firs payment took from my bank {$83.00} because i refuse to pay {$83.00} the bank now took my action to colection and treat me to report a XXXX.The persson from the bank refuse my call and all the want is " pay the amount what they want it '' no what was on the agree.

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 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo shut down both my checkings and savings accounts due to concerns over check fraud, but before doing so, reversed all deposited checks TWICE ( so I was short ~ {$4500.00} instead of being neutral ). I have now spent 7+ hours on the phone and in their branches, getting passed between customer service branches, all the while they insist that their math makes sense ( it does not ). Even worse, Wells Fargo has a monstrous arbitration agreement with crazy fees, so I am scared to contest this, even though it is obvious to anyone with a spreadsheet and half a brain that I am right. In my documents, I have highlighted the " extra '' reversal charges that, very simply, need to be undone such that the account goes back to the balance it was at before the XXXX deposit. 

In short : Wells Fargo thinks that my ~ $ XXXX check deposit is equivalent to the ~ $ XXXX in matching debits. Basic math indicates that it is not. 

Please help, CFPB!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27 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 husband and I boh have an account with Wells Fargo as well as our joint account. My husbands account became over drawn on XXXX XXXX. On XXXX XXXX Wells Fargo exercised their 'right to off set ' by withdrawing the overdrawn money from our joint account to cover the beg balance in his personal account. ( I understand this and I 'm fine with this ) the problem is that at this time our joint account did not have enough funds to cover this it actually only had {$20.00} in it but they still took {$240.00} out, overdrawing the account. That transaction posted immediately and now they want to charge my overdraft fees for the transaction that are pending BUT was made while I actually had money on the account. It seems to me that the right to offset should actually serve the purpose of off setand by making XXXX account t posit XXXX only to make another negative so you can then charge more fees seems illigal to me. 
Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
My wife attempted to purchase a vehicle and was denied by XXXX banks. The XXXX bank was a walk in visit. During the visit my wife was told that the reason I am getting denied is do to Wells Fargo reporting me as a paying only part ( partial payment ) of my mortgage. I have never paid a partial mortgage and coincidentally, Wells Fargo controls the drafting of my account for the payments. I then had to purchase the vehicle with a higher interest rate do to the lowered credit score.

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 2016-05-11 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:
I have a savings and checking account with Wells Fargo. Over the course of 2 to 3 years I have paid my XXXX XXXX statement with my debit card from said bank. 

When I pay the $ XXXX amount, that is withdrawn from my bank and my checking account balance reflects this. One or two days will pass and the $ XXXX will appear back in my account, but not as a deposit. Instead, it will appear as if the money was never withdrawn in the first place. This shows an inaccurate balance on my checking account and thus leads to overdraft fees. This would not normally be an issue, but the amount in question will not show as cleared on the final date days later ; it will actually show as if it cleared the very first day. 

During the most recent instance, Wells Fargo Bank has charged XXXX overdraft fees of {$35.00} each for a total of {$70.00}. These fees were not for debit card transactions, but rather for transfers within my own account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
have submitted numerous complaints. Nothing happens. I recieved a call regarding reporting me 90 and 120 days past due. LIKE I told XXXX before he hung up pn me, I was told in XXXX that it would take 2 weeks for the MODIFICATION. I asked him check the recirded line! He says he does n't believe me! I would n't be hassling this for over a year if it wasn ; t true CHECK THE RECORDED LINE WELLS???? 
Also when I paid XXXX XXXX and XXXX it just kept the late notice going higher and higer. My payments for the modification was never ever ever acknowledged on my Credit Ratings! It looked to the public that I was still not paying. 
This is personal and I will continue to keep this active until the take accountablility from the beginning! 
Im sick of all the hours and time on this. I am very tired of some people being RUDE to me or Hanging up on me. What kind of Bank is this!!!!!!!!!! 
Because you have n't done what should have been donbe pertaining to this modification you have caused me hardship and stopped us from doing anything with our credit. Thats you fault and liability! 
You were suppose to report by LAW during the TPP a modification or partial Payment. YOU DID NOT 8 MONTHS AGO OR NOW I have included copies of the credit Bureau again as I have before many times. You cause us pain and siffering not to mention the damage. We were unable to purchase another home because you were not doing what you were suppose to by LAW! 
Answer and handle my complaints. I will not stop until you FIX THE ISSUES and take accountablity.You just do n't care and caused us so much trouble from the beginning. I was never late until I talked to WF. and have not been late since this Modification!!!!!!!!!. 
XXXX and XXXX XXXX : XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC
State: TX

Complaint narrative:
XXXX Capital Management contacted me on XXXX. They threatened legal action ( XXXX XXXX ) and when I offered a settlement, once they send verification of debt, they told me I was insane. I asked them to stop communication with me, and that I would deal with XXXX, the supposed creditor. On XXXX XXXX, I received a letter from XXXX again demanding payment, this time stating that I had made payment arrangements with them, which i did not. When I called to tell them I had done no such thing, and neither they nor XXXX had provided debt verification, the person stated that he would end the conversation, and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I was recently married and added onto my husbands account at Navy Federal Credit Union. We do n't live anywhere near a branch but it was important to my husband that we use this account as our primary account as this Credit Union is for military families. I attempted to make a deposit of a check thru the mobile deposit feature on the mobile app but received the following message " You need to be a member for at least 30 days in order to use Mobile Deposit. We are currently experience issues with Mobile Deposit enrollment. For assistance, please call Navy Federal at XXXX. '' I called and the representative informed me that I needed to open my own membership account in order to have access to this service. I informed him that I did n't need to make deposits into another account, just this one. I requested a supervisor and spoke to XXXX a Contact Center Supervisor. I again was unsuccessful at gaining access to make deposits into my account. I explained I already check for local ATMs to deposit in, they do n't participate in shared branching, etc. They informed me that I either needed to have my husband make the mobile deposit or I needed to mail the check in. I have no credit issues, long time on my job, etc. The only issue is that Navy Federal is forcing joint owners to open membership savings with them if they have no other options to conveniently make deposits. I have my husband at home and can have him make the deposit for me. This institution is for military families and not all joint owners are going to have that same access to their spouse as I currently do. To make struggling military spouses open a separate account to be able to make deposits into a different account when there is n't a nearby branch is n't right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In trying to negotiate a payment plan on debt on a Wells Fargo credit card- and though I 'm still willing to pay the full amount of the debt, the representative consistently said that they could not advise how this would affect my credit. I insisted on knowing how a payment agreement would affect my credit prior to making a decision on whether to accept the terms, but they could not say how it would be reported. I feel I have the right to know before I agree to terms. And they said I could contact the Credit Bureau 's to ask them. But I know the reporting comes from the lending entity NOT the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Mortgagee is refusing to release insurance funds to contractor to start work on my house which was destroyed by fire in XXXX 2014. There was a partial explanation as to why this is happening and we have been unable to get an audience with the XXXX XXXX XXXX XXXX XXXX Dept. after numerous calls for an explanation. Each department claimed that the issue was to resolved by the other and no one took responsibility for taking care of this matter. They stopped taking the monthly debit payments without an explanation and refused to take a payment by check for several XXXX dollars which was taken to them in person. According to them, fees of some type was omitted when our modification was negotiated with XXXX which was denied an adjustment at that time and now they are apparently trying to add to our forced arrears. XXXX XXXX '' ]

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XXXX 2016 I opened a checkings account at Wells Fargo Bank in XXXX, MD XXXX based on an offer for {$100.00} cash bonus for set up direct deposit within 2 months. I set up the direct deposit from my employer well within this 2 months time period but because processing time the first direct deposit showed up 2 months 25 days after opening the account. Wells Fargo clerk XXXX XXXX XXXX XXXX and Manager XXXX XXXX XXXX XXXX refused to pay the {$100.00} bonus even after I repeatedly pointed out that the language used in the bonus offer document states " set up direct deposit within 2 months of opening account '' ; it did not state " first direct deposit should appear within 2 months of opening 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 2017-02-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My loan is with Ocwen loan number XXXX, and there is a foreclosure sale for XX/XX/XXXX-i am desperately asking for you to help me keep my home. 
i have been calling Ocwen to ask for help to apply for a loan modification and every time i call i speak with different agents telling me to send an application. I was approved for a modification in XX/XX/XXXX but i did not accept it because the payment was very high and the gave me a balloon payment of almost XXXX dollars. i callled and an agent told me to send a loan application but when i faxed it and called to see if they received it they told me no and that they could not help me to keep my home. Please help me so that i can have the opportunity to apply for another modification and i also asked for a repayment plan i am trying to get some money to make arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had my previous account open with wells fargo for two years from XXXX, and they never used they had a right to close my account. The only reason why they froze my account was because they told me my account was compromised and they told me, to go into my local branch to open a new one. My rights have been extremely violated. Wells fargo has never given me a real reason for why my account was closed. I would like to point out why did n't they close my last account that was compromised because they said they had the right to. I was told to open one and to close it XXXX days later to only just say, they have a right to close it and leaving me in the dark about it saying they sent me a letter when in fact they did n't. And was going to let me be embarassed when i went to purchase something, that is not how you treat people. I do n't care how many rights a bank has that is not how you treat a person, let them be embarassed in public because their debit card gets rejected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
The lender is denying the clients mod review due to them stating that they can afford the current pmt - The clients had a loss of income and could not comply with the terms of previous mod approvals - requested the lender to take into account that the client now has the income to support a mod and the willingness to comply with the terms they set forth - The lender has stated that the client has reached the number of approved mod that are allowed - The guidelines do not have a limit to which the clients can be approved for a mod -

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