vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sent me back my check I deposited but never notified me then charges me over {$500.00} in overdraft fees XXXX of them for spending XXXX cents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
MY WELLS FARGO CREDIT CARD LIMIT IS INCORRECTLY LISTED AS HAVING ONLY A XXXX DOLLAR LIMIT. MY CREDIT CARD LIMIT IS XXXX DOLLARS FOR THAT CARD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We bought a mobile home in XXXX Id. They would n't let us see the place till we signed all the paperwork. No cell phone service or land line.They knew about XXXX XXXX medical condition needing a phone.There was holes in the skirting. Also air was in water lines.The kitchen sink jump all the time and had to try to start it a couple of times to get water. We had satellite tv and it would come up no signal.

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 2015-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We requested that our checking account be closed on XXXX occasions. Our account was not closed & we were penalized with {$1200.00} in overdraft fees. In late XXXX / early XXXX we called the 800 number to request our account be closed. We were informed our account had to be at a 0 balance for XXXX days before we closed it. We were switching all of our ACH and credit card payments, and had informed all of our vendors the account was closed, yet some were still trying to debit our account and suggested we close it immediately so the ACH charges were returned and processed through our new account. We called the 800 number again a week later to request the account be closed and were XXXX again told it had to be at a zero balance for XXXX days. By this time, hundreds of dollars in overdrafts accrued because some of our vendors were still trying to ACH, but from our new and old accounts. If the account was closed the payments would have been returned and our vendors would not have charged us. 
We then went into the branch to tell them we needed to close our account with {$700.00} in cash. We were told there were still ACH items pending and they would not close it. We went into the branch again to speak with the manager, the manager informed us that we were lied to, that our account could have been placed " on hold '' and we could have paid the fees back in XXXX and closed our account. They then placed the account on hold and in between that meeting and the account being on hold, we accrued more fees. Wells Fargo then threatened us with collections for {$1200.00} + in OVERDRAFT FEES. These were simply old gym memberships, and a few other ACH items that we had switched to our new bank, but, were inadvertently submitted. These were not checks, or debit card uses, we were not continuing to use the account during this time. Wells Fargo lied to us the XXXX time we tried to close the account when we had {$300.00} in overdraft fees and as a result billed us for over $ 1200+.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I called Navy Federal per my agreement with them since my bankruptcy that I would keep making my monthly payments to keep my home out of foreclosure and was catching up bit by bit. They told me I 'd get a letter accelerating the balance but they would n't send it to attorneys as long as I completed their borrower 's assistance packet which I returned to them via mail & they confirmed receving it. I have made every payment faithfully except in XX/XX/XXXX I was unable to reach their Loss Mitigation Department who is the only person that will process my payment. I was out of the country and called as soon as I got back to make two payments and that 's when I learned they hired their lawyers after receiving my response packet. I 've made XXXX payments in the last 120 days and am under a Federal Home Loan Modification. I 've told this law firm that and they said " well you have no rights to see a judge so we 'll just foreclose anyway unless you pay the full balance today. '' I do n't have the full balance of my mortgage. I returned all of the borrower 's assistance documents to Navy Federal in XX/XX/XXXX and never received any response from them. When they got my paperwork apparently they just hired this crooked law firm to throw me out. I have gone XXXX over the mortgage and I request an investigator be assigned to look into this. I told them I dispute the debt because to foreclose now is illegal they just said to e-mail them but it wo n't stop anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am currently being considered for a loan modification and have provided all my paperwork to my mortgage company ( America 's Servicing Company ). They are telling me I am in the final stages of review but that I have a foreclosure sale scheduled on XXXX/XXXX/15. I need help getting the sale postponed so they can complete the modification review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
VA Loan for Veteran. Mortgage loan application was submitted for credit approval only on XXXX XXXX. We asked the branch manager to submit the file to underwriting as we knew we were going to have a 30 day closing. We provided all income/assets/credit documentation. Including my XXXX form, my parole in place, Social security card. We found a house XXXX XXXX, I asked the Loan officer to please submit my application and provide the disclosures needed to start the process, the day I found out they never submitted the loan for underwriting approval, I requested for my information to be submitted as soon as possible. on XXXX XXXX I was told the only items needed for final approval/clear to close was the appraisal report and the termite report, they both came in the same day. on XXXX XXXX the processor called saying they needed a copy of my XXXX, I told her that my legal status did n't required a visa. provided the documentation my attorney gave me and asked for them to call XXXX, I was told VA had this requirement. I called VA in AZ who handles CA VA Loan approval. I was told that was n't true,, the underwriting representative told me that VA only requires for the spouses income to be stable, that VA loan was mean to help the veteran. I spoke with the branch manager and loan processing manager, I was told by them that it was a Navy Fed Credit Union. They had my file for over 40 days, my rate was locked and now I 'm they denied my loan since I cant provide this " XXXX '' that I do n't have. XXXX asked me to ask them to call them to verify the information, they would n't do anything extra to help. I feel they waste all of this time, lowered my fico score from running it so many times and now I have to look for a new lender pay a higher interest rate and fees. Should n't they have checked this before? my loan application clearly disclosed this information, I provided copies of all these docs. I asked multiple times if they needed anything else from me. 

Can you provide give us some advice? This seems very unfair for a applicant and up to a certain point discriminatory as I 'm allow to work in the USA, I have since I was XXXX I 'm now XXXX the close of escrow is XXXX - this house was the perfect house for my husband who is XXXX, the owner had already set up the house for a XXXX person. We do n't want to lose this house. 


any help will be appreciated Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
XXXX wrongfully sent me to collections without properly contacting me and doubled the payment amount owed second complaint I XXXX XXXX XXXX am not the responsible party for financial payment

Company response to consumer: Closed
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My home was damaged by hurricane XXXX. Wells Fargo is my mortgage company. I recently received a supplemental insurance check for {$130000.00} and Wells Fargo refuses to endorse it. My home has been repaired completely. Wells Fargo inspected the home over a year and a half ago and declared it was 100 % repaired. I have been given conflicting information by the company and do not know how to proceed. 
I have always paid my mortgage on time. 
I believe they have my account flagged as retribution for my previous complaint to the CFPB for their prior mismanagement of insurance proceeds. 
I repaired my home in good faith, invested my own money to preserve its value, and even paid my mortgage down {$50000.00} since the storm. I submitted to multiple inspections by Wells Fargo and always comply with whatever they ask.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX. When I purchased my rental house, it was suggested that I should open an account with Wells Fargo. Not only did I open a checking and savings, I also opened an account for my children. When my son turned XXXX years old, he was told to convert his account to adult. While away in college, my son went to XXXX, Wells Fargo to do what needs to be done ( close the kids and open an adult checking account ). Since he did n't have his social security card with him, his new account was put on a temporary status. He was given a day to bring his social security which he neglected to do. I told XXXX of the Wells Fargo representative to close his account because at that time I could n't open my safe where I out his social security card. Last month, I received an email from Wells Fargo stating a bill pay was suspended due to lack of funds. I called Wells Fargo to inquire about the email I received. When I gave my debit card number, I was asked more authentication making sure it was me. After being on the phone for over 10 minutes, the represent informed me that the debit card I gave to him was n't valid because my personal checking account is closed. I asked them who closed it, but that 's when I realized that they are supposedly closing my son 's checking account. I asked him if my son 's account is open and he informed me that his account is still open. Wells Fargo made a mistake of closing my account instead of my son. He then procee to tell asked me if I wanted to reopen my checking account. I told him " yes. '' He transferred me to another department. After giving my information for the new checking account, I was told that they could n't open it for me and that I will be getting a letter in the mail. Few days later, I received their letter with the reason why they could n't open a checking account for me. Basically, they could n't open a checking account for me because of my history and credits. 
First, they made the MISTAKE of closing my account instead of my son. Second, I DO N'T recall having NSF on my checking history. Third, my mortgage with Wells Fargo is in good standing. I do n't keep a large amount in my Wells Fargo account because our primary account is with XXXX. When they found out that they closed the wrong account, I never received any apology for their mistakes. 
Your response are greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Navy Federal Credit Union made several errors on my checking overdraft, the largest being in excess of THIRTY FIVE THOUSAND PERCENT. When brought to their attention they lazily dismissed it as " interest ''. 3500 % + Interest? REALLY??? I do n't think so. I asked them about it several times ; and they consistently gaffed me off. This is the type of service that I routinely get from their online support desk ; but this time we are discussing a CRITICAL SOFTWARE ERROR that is affecting at least XXXX active account. This is serious and is an unacceptable computer glitch that warrants a thorough investigation. They closed the ticket siting " interest '' again. I then opened another ticket requesting a supervisor call me ; they refused. This problem is XXXX that does not need to be ignored -- it could be affecting other people as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank account was closed without notice by Wells Fargo for no apparent reason. The account was paperless, which saves Wells Fargo money on printing and postage. Wells Fargo is now trying to charge me XXXX dollars for each of the XXXX check images associated with this account, which I need to access for tax purposes. I 'm all for switching to electronic record keeping, but Wells Fargo has used this as a way to extort money from consumers. I 'm perfectly willing to pay some reasonable fee to get access to these files, but a total cost of over {$1900.00} to access my own information seems completely unreasonable. The Wells Fargo help line referred me to my local branch. I have tried to work with local bank representative XXXX XXXX to come up with some reasonable solution to this problem, but she has been adamant that Wells Fargo has a right to charge these exorbitant fees. 
I am perfectly willing to pay some reasonable fee -- say a few hundred dollars, but I am not about to pay {$1900.00} to access an electronic file. If they do n't want to give me access to the electronic file, they can use the old system and send me the paper checks. 
XXXX XXXX can be reached at 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 2015-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I believe this is Wellafargo this account wasCharge off. I had payed {$840.00} dollars toXXXX to fix. The negativelyWhich they did an I have proof

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Consumer opened a checking account with Wells Fargo and was offered {$100.00} opening bonus for terms of minimum direct deposit payments, account open length, and activity minimums. Consumer met all requirements. Bonus was not paid to consumer. Consumer received a letter confirming he was due a payment in the amount of {$100.00}, but this letter indicated the money would be deposited into an erroneous account number. Consumer wrote and called to Wells Fargo Customer Service and Exception payments departments, who reasoned that since they could not locate the erroneous account, they can not grant consumer that bonus that they guaranteed him in writing. 

Consumer met terms of bonus through his upkeep of accounts EVERYDAY CHECKING XXXX and WAY2SAVE SAVINGS XXXX. Failure to pay the earned bonus amount is unfair to consumer who upheld his obligations.

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 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was refinancing my home. I was moving from a fixed mortgage with Wells Fargo to one with XXXX. I signed the closing documents on about the XX/XX/XXXX. A few weeks later I got a call from XXXX telling me they were having a problem. Wells Fargo was telling them the payoff amount was short even though XXXX was sending what they were told to in the payoff quote. The representative from Wells Fargo explained the payoff amount assumed I had made the XX/XX/XXXX payment but never verified. I explained to them I did not have an extra months payment but would be happy if that is what the problem was to enter a payment plan. The Wells Fargo representative said they would go set it up and get back to me. For the next five week both my loan officer and myself tried to get back in touch with the individual from Wells Fargo. I finally called to complain and was able to get this individuals supervisor. He told me what had been proposed could not work and they would only accept a full payment which now was up to two months with penalties. Again I told him I could not afford that and I had already begun to make payments to XXXX. He told me he would get back with me. Three weeks later I still ca n't get a hold of him. In the mean time I am paying on my XXXX mortgage but still getting bills from Wells Fargo. WellFargo is now telling me I am at risk of loosing my home. I have spent days talking to different people at Wells Fargo but none can help me. Once told me I should retain an attorney. I called HUD and got the same advice from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I reviewed my account and notices another unauthorized charge was taken out my the XXXX request that fill out the form and submit then it will take XXXX hours to apply the money back to my. Navy Federal consently allow unauthorized withdrawal from my and they customers representatives treatment like I did when calling in to report a authorized charge. Please investigate the policy and procedures that Navy Federal uses to protect their customers from thing like this and make sure they are working to United States Federal regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened a bank account with Wells Fargo about 3 weeks ago. I told them that I did XXXX for companies all over the world. I also told them I would be receiving many wires from all over the world for services I did. They told me that this would not be a problem. Well, so I recieved a wire for {$990.00} for XXXX services I did. Then I received XXXX more wires into my account for other services/website design I did. Well, then I contacted them to find out when I saw there were no pending transactions to ask about withdrawing my funds the following Monday. This was the previous Friday I called them on. At that time, I was told there was a hold on my account and that I could not get my funds out then. I was told because the customer I did work for received their completed XXXX services a little late eve though I did complete services for them that the customer claimed this was an unauthorized wire. I was also told verbally and in writing in a letter that my account was slated to be closed on today, XXXX/XXXX/15 and for my funds to be sent to me in a check on this coming Monday, XXXX/XXXX/15. Well, I called Wells Fargo fraud department today to ask what the status of my account was since I could still view it on line. I was told that they had sent out for information from XXXX XXXX and was waiting on a response back that they had not recieved and because this information was not received, that they were pushing the account hold back to XX/XX/XXXX. They did not say they were closing the account down then and sending me my funds which total a little more than $ 13,000+. They only told me that they would post notes at that time and that I could contact them on XX/XX/XXXX to see what the status was at that time. 

I have talked to all levels of management all the way up to and including the regional manager who all did what they could but got no favorable resolution. In fact a committee that this matter was escalated to in order to see if they would release my funds early said no. They also told me they would release my funds on XX/XX/XXXX and send them out to me in check form on Monday, XXXX/XXXX/15. They have not done this at all and now say my hold on my account is delays again until XX/XX/XXXX in spite of the fact that I have a hard copy letter stating that i would be sent my money on Monday, XXXX/XXXX/15 which I was told b Wells Fargo fraud department will not happen

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