vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I applied for and was given a Wells Fargo Home loan with the understanding I could pay the loan twice a month with one half of the month 's amount due. This was the selling point for the loan. I was never told, prior to closing, verbally or in writing that the payments would not be applied until two 1/2 months ' payments were received, erasing the benefit on reducing interest payments over the life of the loan. 
This lack of transparency, non disclosure and deceit has locked me into a loan lacking the benefit I sought in selecting the mortgage bank. 
My mortgage banker has since told me they have " no way '' to apply the 1/2 payment to my balance. I have been offered to revert the payments withdrawn from my checking account to the full payment once a month. 
What I want and what was implied when I shopped for the loan is to have the payments applied to my loan when they are taken from my checking account. 
I have complained to them and received a non printable e-message stating the above.

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 2016-06-02 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
About 6 month ago I applied for a secured Credit Card with Wells Fargo since I bank there for the last 4 years. I was approved and deposited {$300.00} into the card. Since I have a XXXX my mother is helping me with my monthly payments. 

On XX/XX/2016 I made a transfer in the amount of {$45.00} from my checking account into the the secured credit card and got charged a {$35.00} Overdraft Transfer fee. 

On XX/XX/2016 my mother made a {$43.00} deposit into my checking account through the ATM, which was posted to my account on XXXX. That means the bank was working with my money for 4 days before they transfered it into my checking account, which resulted for me to have a negative amount of {$0.00} cents on my secured credit card, since I was unable to make a transfer deposit. 

On XX/XX/2016 I was finally able to transfer {$0.00} cents into my securedt credit card after the bank deposited the {$43.00} my mother deposited into the ATM on XX/XX/2016. For the transfer of the XXXX cents I received another {$35.00} fee. 

My account is now overdrawn by {$71.00}. On top of that the bank charged me another {$10.00} annual fee on my secured credit card, that means my card is now overdrawn by {$11.00} which probably result in another {$35.00} fee on the next day. I was not aware of an annual fee and the bank never informed me before debiting my secured credit card. 

Since I am on XXXX my Social Security payment comes into my account always on the XXXX of each month. With now {$82.00} in minus on both accounts together I am not able to pay my utility bills. It also means that the bank is now reporting an over the limit to the XXXX credit bureaus on my secured 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 2016-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
With the support of my NJ Making Homes Affordable/XXXX Solutions housing counselor I gathered required documents and faxed them ahead of a 7 day minimum requirement deadline for loan modification review. 
Upon calling to confirm that said documents were received, I was told that my application was received by the Wells Fargo Re-entry department instead of the Home Preservation department my housing counselor put me in contact with. 
On Friday, XX/XX/XXXX, inside the 7 day window I received a call informing me that one document needed resigning and that XXXX additional documents heretofore not requested was needed by Wells Fargo. 
I gathered these documents and within 48 hours had faxed them to Wells Fargo. 
Today, XX/XX/XXXX I called Wells Fargo to be certain that all documents needed were received. 
Again, I was transferred to the Re-Entry department and was told that my documents would not be reviewed due to the seven day deadline being past. 
I was told that I would need to seek an adjournment of my sheriff sale. 
I was of the understanding that Wells Fargo would adjourn the sheriff sale as it was reviewing my application. 
It is my assertion that Wells Fargo is not servicing my FHA mortgage loan modification in a legal manner and may be committing fraud by what it 's telling me how to properly servicing my application.

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 2015-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
COMPLAIINT : WELLS FARGO N.A, WFHM, & XXXX XXXX TRUSTEE SOLUTION IS IN VIOLATION OF NOTICE OF TRUSTEE SALE OF MY ( XXXX XXXX ) PROPERTY LOCATED AT : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 
NOT RECEIVING PROMISSED LOAN MOD DOCUMENTSSERVICER REFUSE XXXX TO ACCEPT MY PAYMENTS DEFECTIVE PAPERS ARE RECORDED WITH XXXX TRUSTEE SERVICING SOLUTION, LOST THEIR TRUSTEE RIGHTS TO XXXX ( TRUSTEE OF XXXX ), CHANGED NAME OF THE ADDRESS & SUBSTITUTION TRUSTEE NOT FILED CORRECTLY, NO RECORD WITH STATE OF CALIFORNIA OF SUBSTITUTION TRUSTEE. 
NON DISCLOSURE OF DOCUMENTS & VIOLATION IE :. 1-XXXX BALANCE SHEET 2-XXXX OID REPORT 3-XXXX REGISTRATION STATEMENT 4-XXXX PROSPECTIVE 5-XXXX & XXXX XXXX SCHEDULE 6- FULL ACCOUNTING & VERIFY STATUS OF AN " UNCONSCIIONABLE CONTRACT '' .7- VIOLATION OF DUAL TRACKING -I WAS IN LOAN MODE WHEN WFHM SEND LETTER OF -NOTICE OF TRUSTEE SALE, NO DENIAL LETTER / APPEAL LETTER /RIGHTS OF THE TRUSTOR / BORROWER WAS SEND. 8-VIOLATION OF THE SECURITY FIRST RULE 9-WRONGFUL FORECLOSURE 10-VIOLATION OF THE XXXX FDCPA 11-VIOLATION UNDER B & P CODE XXXX ET SEQ :., NO RESPOSE TO MY NOTICES, OBJECTIONS AND DEMAND LETTERS DATED XX/XX/2015 & XX/XX/2015 12-THERE IS NO DELINQUENCY OR DEFAULT -LENDER HAS BEEN PAID IN FULL 13-JUDICIAL PROCEEDING IN WHICH ALL PARTIES ARE INCLUDED WILL PROVIDE FAIR DETERMINATION OF THE RIGHTS, OBLIGATION AND TITLE TO THE PROPERTY, MORTGAGE AND NOTE. TITLE AGENT SAME AS TRUSTEE HAS INSURANCE FOR ERROR AND OMISSION THAT ISSUED THE POLICY WILL HAVE TOTAL LIABILITY FOR THIS FRAUDULENT TRANSACTION. 
XXXX-VIOLATION OF CCC XXXX, XXXX XXXX, HBR, OCC & IFR . 
TO AVOID LITIGATION SOLUTION FOR THE PROBLEM IS THAT I WAS APPROVED HAMP AND PAID {$1800.00} FOR 9 MONTHS IN GOOD FAITH, I LIKE TO HAVE THE SAME DEAL, SO ME & MY FAMILY BE A GOOD CUSTOMER OF THE WFHM AND IN SUCH WAY BOTH PARTIES WILL AVOID EXPENSIVE LITIGATION AND ALSO MY LAWYERS AND CONSULAR GAVE ME THE ADVICE THAT RE ENTERY DEPT. XXXX XXXX XXXX IS NOT COOPERATING AND VERY RUDE IN HIS DECISION AND HE IS NOT GOOD FOR BOTH PARTIES. 
I HOPE AND REQUEST THAT WE SHOULD GET SOME REASONABLE PERSON WHO CAN UNDER STAND BOTH PARTIES AS CASE MANAGER IN THE RE- ENTERY DEPT :. 
I XXXX XXXX & FAMILY SUBMITTED ALL LOAN DOCUMENTS AND REQUESTED TO CANCEL / RESEND /POSTPOND SALE DATE. I HOPE YOU WILL UNDER STAND BOTH PARTIES POSITION AND INVESTIGATE THE MATTER, WHICH IS BEST FOR BOTH THE PARTIES. 
THANK YOU. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
The credit union has robbed me blind. They took money from XXXX ( a student loan ) and paid an unsecured credit card of XXXX with it. XXXX can not file bankruptcy on the money that was just stolen by Navy Federal Credit Union and she needs it for school. She needs it refunded immediately. They have unlawfully stolen it from the account. This is an outrage and we are heavily contemplating legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I had a transaction of XXXX dollars from XXXX whose date was changed by Wells Fargo. The transaction was not processed by Wells Fargo until XX/XX/2016 after a direct deposit had been made and it is still being processed by XXXX. However, Wells Fargo changed the transaction date from XX/XX/2016 to XX/XX/2016 the in order to charge me an overdraft fee. When I called them, they told me that Wells Fargo was only allowed to reimburse me XXXX out of the XXXX dollars of overdraft fee. This is not the first time, this kind of issues has happened. I have had it with this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo previously provided a variety of options that allowed users to schedule the frequency and amount of mortgage payments. 

Recently, Wells Fargo redeisgned the interface of their website and this functionality is no longer present. 

Despite the fact that Wells Fargo acknowledges these features are missing, they continue to reference them on their website. This is misleading to current and prospecting mortgage customers. Additionally, removing the ability to change how mortgage payments are made without notice, after the feature had been implemented for some time, may have an appreciable cost to mortgage customers who are no longer able to adjust their payments.

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 2017-03-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Before I was educated on FAFSA. I was made to believe that my only option for school financing was private student loans. I went ahead and applied for a Student Loan with Wells Fargo. I am newly Graduated and finally got my first job. Of course being newly graduated and not having much experience my salary isnt as high as i would like it to be, once again due to lack of expereince. I am unable to pay the full amount of my Private student Loan. I have reached out multiple times to Wells Fargo to speak about options i have to relive me from some of this financial burden and they were not very helpful at all in wanting to help me. I can not afford the monthly payments they are requiring me to make and I often have to decide which bills to pay and not pay on a month to month basis because the weight of the financial burden is to heavy. 

I also herd that if I had a private student loan but was eligibale for a federal that i was able to convert this private loan into a federal student loan. I dont know how true that is or not. All i know is that I have tried to contract Wells Fargo multiple times about coming up with a repayment plan that would work for both of us and they are not working with me at all. If i am late on payments ( After i told them i was unable to pay full amount ) they start to call and harass me non stop to my cell phone and my parents work phone numbers. 

I am trying to take care of my responsibilities but they make it very difficult for me. I feel like I am drowning. Please Please help 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 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XXXX XXXX, 2016 I lost my mobile home in XXXX XXXX Louisiana due to a XXXX flood. My insurance company declared it a total loss and I received a check for policy limits several days later payable to my mortgage company and then myself. The home was unhabitable so I contacted Wells Fargo Home Mortgage to find out how to use the funds to pay off the balance. 
My wife and I have XXXX small children, XXXX of which are in school. We found an apartment near the kids school and would not be able to continue to make mortgage payments and meet the rent at the apartment. 
Wells Fargo gave my wife and address to send the payment to and when I called to double check they directed me to a different address. The flooding here was widespread so Wells Fargo had a temporary office set up in a local church parking lot so I stopped in. At that pointime they gave me a third adress to send the payment to but advised me to wait for a " pay-off packet '' to arrive and send the payment with that information. A week later the packet shows up so I XXXX the check overnite to the instructed address. 
Days go by and I have n't heard anything so I follow up. First the representative denies receiving the check. When I gave them the tracking number they then inform me I sent the check to the wrong department and it was returned to sender. After two weeks I called my insurance company and requested a stop payment on the original check and to be re-issued another check. That 's a 10 day process. The check was mailed XXXX/XXXX/16, I received it XXXX/XXXX/16. I 'm afraid to send it anywhere. I do n't trust Wells Fargo and believe I was intentionally mislead by them to drag out the interest payments on my loan. I also believe I should not be responsible for the interest accrued after they initially received my check ( which almost a month later, has yet to show 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 2016-10-02 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
WELL FARGO REPOSSESSED MY CAR FOR FALSE REASON OF INSURANCE THAT HAS BEEN CLEARED BY MY INSURANCE COMPANY. WHEN THE CAR WAS RELEASED AFTER FEW DAYS, THE CAR WAS DAMAGED AND THE WHEELS WERE REPLACED TO THE BAD ONES, INCLUDING SPARE TYRE. MY PERSONAL BELONGING IN THE CAR WAS ALSO STOLEN. MY LOSS SUBMITTED WAS $ XXXX.WELL FARGO DENIED RESPONSIBILITY AND ASKED THE CLAIM SHOULD GO TO THE RECOVERY AGENT. THE RECOVERY AGENT DENIED. ANY CLAIM SHOULD GO TO WELLFARGO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Credit Plus Inc
State: GA

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance. 
CREDIT PLUS XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My previous VA loan with Wells Fargo was foreclosed on. I was divorced and my wife was given the home as part of the divorce decree. She was never able to refinance. I tried to step in and save the loan even though for a house I no longer was responsible for and Wells Fargo refused to work with me per the divorce decree. As a result the house was foreclosed and my va benefits was reduced. I believe this happened as a side effect of the attention paid to new accounts versus helping existing customers. Recent news of XXXX fired wells fargo employees fueled my concerns even further that I was neglected because it was n't tied to some sales goal.

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: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo lied to me and gave me the run around with false information pertaining to my home. They told me that foreclosure had stopped because I was in a disaster relief program. Once the disaster relief was over we would then discuss my options. This was all a lie because they proceeded with foreclosure and when I tried to contact them they gave me the run with different clerks all giving me different information that was not true. The representative at Wells Fargo who was suppose to be assisting me never got back in touch with me in a timely manner. I was not aware that they was actually proceeding forward with the sale of the home until I received a notice on my door. Even though I continually made payments up until XXXX when they refused to receive payments from me. I even ask for a modification since I knew I could afford it. Wells Fargo used deception to force me in foreclosure. According to the letter on my door it says the home will go up for sale XXXX/XXXX/2016 but yet Wells Fargo continually say that there is no sale date. Also They told me that the payments that I was paying was sent back to me which is not true. I have only received {$100.00}. I informed them if they apply all the payments that I made and that they said was payment reversal then I would not be in foreclosure. I informed them of this in XXXX when I requested a printed out copy of all payments received. On the documentation I received from them concerning my payments it says the payments was reversal meaning they sent them back to me.The process that Wells Fargo is using is not legal and they are using predatory lending practices. They house has equity in it plus mineral rights therefore it is worth more than I owe on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This debt has been on my report for over 10 years, please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Received from my employer, XXXX XXXX, XXXX Fl a {$250.00} Wells Fargo debit card for XXXX. 

Used my home phone ( XXXX ) to activate the Debit card and created a password ( XXXX ). 
On XX/XX/2017 purchased tile at XXXX, XXXX XXXX Fl, for {$530.00} -- using the Wells Fargo Debit card XXXX for {$250.00} and the balance was paid with my MC and XXXX card for {$280.00}. After full payment and use -- the Wells Fargo Debit card was lost. 
On XX/XX/2017 returned the unused tile to XXXX, XXXX XXXX Fl, for a credit of {$200.00}. The cashier put the {$200.00} credit against the Wells Fargo debit card by scanning the bar code from the original purchase receipt. The numbers I have for the above Wells Fargo debit card is, # XXXX -- do not have the???? string of numbers, and not able obtain that string of numbers. ( attached are XXXX purchase and return receipts of merchandise -tile, including XXXX return policy ). 

XXXX-original debit card purchaser, Wells Fargo Bank-Bank manager, seller to XXXX of the debit card-Visa Debit card services, including XXXX-tile retailer + customer service + store manager, has not been accommodating or helpful in getting my {$200.00} debit card credit returned. I now am not able to access or have use of my issued debit card credit of $ XXXX-returned tile merchandise, now currently residing at the Wells Fargo Visa Debit card account services and they are refusing to return the credit amount of {$200.00}. 
Can you please offer assistance?

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 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has placed a 10 day hold on a deposit, causing {$140.00} in over drawn fees. The Check has cleared the sending bank, but Wells Fargo will not honor the check and will only refund a quarter of the fees. They are telling me that it is not a bank error that they have not collected the money yet from the sending bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My daughter 's father passe away and XXXX of her Well 's Fargo Loans went into default. There is also XXXX that is current that I am making payments on and trying to get it re-financed away from her co-signer that is her XXXX XXXX. I filled out an application and have great credit, own a home and have a substantial salary! I did have fraud on my credit and emailed a police report disputing any negative issues. After having the XXXX application with my daughter turned down, I submitted XXXX in my name only and had that turned down too!!!!! I do n't understand what is going on and am very upset dealing with them! I want to bring all of the private loans current and feel that they are preventing me from being a credit worthy borrower and need to complete this complaint!

Company response to consumer: Closed with non-monetary relief