vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Good morning. 
I recently applied for a conventional mortgage with XXXX XXXX XXXX XXXX XXXX XXXX and have been rejected both times for reasons that violate bankruptcy laws. In addition to the bankruptcy laws it is a clear violation against my rights, reporting laws & contempt of court. Due to my physical condition it has impacted me seriously both emotionally and physically as well as financially. 

As a result of my medical condition, I had to file bankruptcy in 2008 which was discharged in XXXX of 2008 in NJ XXXX, XXXX. 

Wells Fargo was listed as a creditor for a {$250000.00} mortgage. 
Wells has reported the loan again on my credit report. I have spent hours in conversation and being jumped around from department to department, letters/emails have been written proving my case to have it removed and still yet Wells Fargo refuses to take the report off my credit. 

I am opening a case against Wells Fargo under Fair Credit Reporting Act as well as pursuing remedy for the financial impact. 

I bring this to your attention because it is another clear violation of the law and their willingness to continue this practice only reinforces the face that the recent judgement against Wells ( XXXX XXXX DOJ ) was not effective

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a credit card with Wells Fargo that I never recalled opening it, and I have had it for 3 years. It is a college student credit card account with several hundreds credit line. I thought it was a mistake unintentionally made by myself or the bank, but after I found about Wells Fargo disgusting sales tactic/unauthorized credit card issuance on the news, everything starts to connect in my head. This is a scam in the name of a big bank, and this scam affects millions of banking customers without knowing they are a victim of a top-down system. I want to get this account closed and all the fee/interest/charges and what not under this credit card account waived and/or refunded as soon as possible. This is to bring back the justice to the poor customers who fell victim to a sickening Wells Fargo banking system.

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 2016-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My Husband and I have been a member of Navy Federal CU since XXXX and shortly after opening an account we applied for an Auto loan and Credit Card. The loan was approved for our XXXX XXXX XXXX and we received our credit card. I have never been late on a payment past the 10 day grace period, Maybe a day or so, due to the way our paycheck fell in accordance with the due date. 
If the payment was n't made on or before the actual date Navy federal would lock down all account access online even our debit cards & credit cards. We had no way to get funds from our checking account leaving us no funds to access and care for our XXXX children until the loan was paid one to 2 days later. I would call begging for them to lift the block and was told that they could n't until the loan payment was made. On a couple of occasions my child was sick and I needed to pay for a prescription and was turned away by Navy federal. Another occasion I was about to run out of gas coming back from a long trip and call an was also turned away, each time there were funds in my account just not enough to make said payment that was due. Although, When a Direct deposit was made to the Checking account Navy Federal transferred automatically to the Auto account or Credit account without our consent. This is the reason why I closed my checking account with Navy Federal CU. I strongly feel that my family and I should be compensated for the mishandling of our accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX # XXXXProperty : XXXX XXXX XXXX, XXXX XXXX, NY XXXXHi, my name is XXXX XXXX, and I work at the Law Office of XXXX XXXX XXXX. The reason for the complaint is due to we have been in process of a Loan modification since XXXX 2013 with Wells Fargo, and received a negative notice against the Loan. The file was removed from Litigation and Settlement conferences, making us negotiate directly with the bank. We summited a complete Loan modification Package on XXXX 2013. Due to Litigation, the file was delayed for nearly a year and a half, and now we got denied for Wrong Income usage. We appeal the decision made, and Wells Fargo claim the correct income was used to calculate the Loan Modification, which it does n't even match the income that was include on the RMA with evidence of this income. We have complied with every request as far as a Loan Mod docs, and we have provided more than enough evidence to support the income. 
The HO was paying a monthly expenses to do a P & L statement for his personal income, he invested over $ XXXX/month executing P & L statement due to accounting charges, with an end result of a denial. 
HO really wants to keep the property, we need Wells Fargo to make the changes in the income used, and provide the HO with the Loan Modification which was Applied. 
We want to placed a complaint against Wells Fargo for not providing the right opportunity for HO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have credit line mortgage with Wells Fargo Bank. 
I payed {$10000.00} in XXXX 2015 toward my principal. Despite I paid that {$10000.00} the bank charged me more interest than XXXX 2015. 
When I called Wells Fargo bank they told me you are paying fixed interest regardless whatever you paying toward principal.They told me bank also charging for insurance but I did not know anything about insurance charging in my account. 
I can not trust to this bank I am requesting that my account to be checked out by expert. 
Wells Fargo should charge me less when my principal decreasing but this bank do not doing this way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. I would like you to investigate my charges on my card made by these fraudulent companies : XXXX XXXX XXXX and XXXX XXXX. I got contacted by these companies by unsolicited telemarketing phone calls and they promised me a profitable at home business. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. It is clear that they never intended to fulfill their end of the deal. They did not provide the services I was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Stein, Wiener & Roth, LLP
State: NY

Complaint narrative:
THIS OFFICE REPRESENTED XXXX XXXX AGAINST ME AND MY HOME

Company response to consumer: Closed
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I submitted a detailed complaint in XXXX ; I have not heard one word!!!!!! This involves WELLS FARGO ... .and I find it ironic that they are now under Federal investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We are writing this Complaint due to the fact that our Family experience a Hardship & that we have made many effort to workout somekind of re-payment plan by making numerous request to our mortgage company Wells fargo Bank. On XX/XX/2015 my Family experience a fire in our Heating/Air System we later found out that our warranty had expired the previous month. Due to our warranty expiration we were notified by our Homeowner Insurance that our Heating/Air electrical fire was not covered.Due the news we faced a large repair bill that had to be fixed due to the very hot weather & the recent moving of my mother-in-law whom is suffering from a XXXX XXXX ... we made many calls to wells fargo & never got any assistance but the usual transfer & hold for long times. On XX/XX/XXXX my wife & myself finally were transfered to the Home Preservation Dept. The representative we spoke with advised us that we did qualify for a repayment plan but only within 90 days & that we should of been advised of that previously. the representative said that we had to pay the entire balance and they could not help us with a re-payment plan.since then Foreclosure has been filed against our Property.we are filing this complaint because we made many phone calls & we were not advised properly about the repayment plan rules.. since then we have made efforts to make payments and it has been refused ... Please Help a Desperate Homeowners..

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 2016-04-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My furnace died on a frigid day in XXXX XXXX and the XXXX company offered financial help on the replacement with Wells Fargo. One year later I noticed a {$2400.00} interest charge on my monthly WF statement. WF has refused to waive any of the interest even though I executed a full payment using fund balance transfer by another lender 5 days after the 1 year interest free deadline. I overlooked the deadline ( my bad ) but this transaction over penalizes the situation. I made monthly payments the first year on time and the Urgent Statement message ( XXXX XXXX statement ) notifying me of the expiring special terms is easily missed ( I think WF knows this ). I did n't see the problem until the XXXX XXXX statement showed whopping interest. WF said the other lender transaction will be too late to reduce any of the interest. I did n't have {$5400.00} in cash to pay the full balance when I asked WF to waive or reduce interest. I started working another job in XXXX to pay for the furnace. Reasonable business practices like this push people who are living pay check to pay check even deeper into financial hardship. Staff at WF say they 're just following accepted business practices and they have no flexibility to make more reasonable decisions. Some people who are financial strapped ca n't keep up because of situations like this. I was late 5 days on full payment ( not even a month ), one month late of {$2400.00} is about {$200.00}, and I 'd be agreeable to pay that because I made a mistake, but {$2400.00} is not fair for the circumstances.

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 2015-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I got a letter in the mail today then 5 minutes later called the sender XXXX. XXXX. The letter was signed by XXXX XXXX, XXXX XXXX. I spoke with XXXX XXXX. She said I wrote a bad check to Wells Fargo sometime in 2008 in the amount of {$1000.00} and I now owe XXXX. XXXX {$2700.00} because they were retained by Wells Fargo. She also stated that I performed malicious intent to fraud a banking institution. I use to have a bank account with Wells Fargo, but they never paid a bad check and that account was closed in 2008. I got a similar call about 4 years ago and contacted Wells Fargo, who stated that they have no record of me owing any debt to them. I have never received any correspondence or calls from Wells Fargo regarding me owing them any money, which is what I told XXXX XXXX. I see that this company has in the past used a different number and other complaints with almost the same scenario as mine. I have no record on my credit report showing an outstanding debt with Wells Fargo. The letter and XXXX XXXX stated that further legal action will be taken if I did n't not settle this debt. I told them I would seek legal representation if I needed. Why should I have to pay money for an attorney on something I know I do n't owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My boyfriend and I began the mortgage process with Wells Fargo on XXXX XXXX. We had a signed contract with the sellers on XXXX XXXX and our loan officer assured us that this would be completed, at the latest, 45 days so we could give our landlords the requisite 60 day notice on our apartment. On XXXX XXXX he sent out an email to my attorney that all necessary documents had been received along with our commitment letter ( which was dated 5 days prior ). Then on XXXX XXXX he emailed my attorney that he was working on getting the filed cleared so that we could close the following week. To date, we have not closed, we have cancelled XXXX scheduled moves and we have to move out of our apartment at the end of the month because it has been rented.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
acct closed with XXXX balance due and still showing under my XXXX credits bureaus was also included under chapter XXXX bankruptcy. please removed this acct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
About 5 and a half years ago my wife and I tool out a loan against her car from Wells Fargo Auto Finance. Shortly thereafter I declared chapter XXXX but specifically excluded this loan from the process because my wife and I got a legal separation and the car was hers and the payment was being taken out of her bank account. When notified of my chapter XXXX declaration Wells Fargo stopped taking the monthly payments from my wife 's bank account. I was not aware of this for several months and my wife did n't notice that Wells Fargo had stopped the automatic withdrawals from her bank account. Neither myself or my wife or the trustee had told Wells Fargo to stop the withdrawals. It has been well over 5 years since they stopped the withdrawals. Neither my wife or me has heard any communication from Wells Fargo concerning this matter. My question is can we request Wells Fargo to sign off as a lien holder in order to get the pink slip? Has the statute of limitations expired?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A deposit was returned NSF and I asked Wells Fargo to redeposit the check on XXXX XXXX, 2016. The check cleared the bank on XXXX XXXX, 2016 and although I provided a copy of the front and the back of the cancelled check, Wells Fargo continued to hold the funds until XXXX XXXX, 2016 and charged me and overdraft fee of {$35.00} for a check that posted to my account on XXXX XXXX, 2016. They recently started holding all deposits until they, " clear, '' even if your account has enough to cover the deposit.

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 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Please see the attached XXXX Page Scanned Document, which is self explanatory and yet to be responded by ASC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Approximately one year ago we started a short sale of our home with or mortgage holder Wells Fargo Bank. We have had a constant turn over in paperwork all the while meeting out our obligation and turning over all of the requested documents. During this time we have been harassed by Wells Fargo 's so called field agents. These field agents have come to our home at all hours of the day and evening without prior warning and have refused to show identification upon our request, saying that they are not required to so. They have taken pictures of our home on several occasions without our consent and have violated our privacy. They are very unprofessional in their appearance and often come to our home with several other unidentified persons riding in their vehicles. In our attempts to file complaints with the bank the Points of Contact have been unresponsive. The Points of Contact who I believe are designated by Wells Fargo to be our intermediaries, lack the most basic of customer service training skills. We have had numerous XXXX as Wells Fargo refers to them and they are totally " useless '' in this process. Either they are ignorant of what items they are asking for or they do n't ever call the customer back to answer questions and concerns. 

Finally on XXXX XXXX, 2015, we received a " Letter to Participate '' which is a HUD article and approval to proceed with the short sale. Since that time Wells Fargo 's Loan Adjuster 1/FHA Liquidations-XXXX has been a literal " sand bag '' in the what should be the final process of the sale. It appears to most of the professionals that have had anything to do with our transaction and XXXX XXXX that she purposely " sitting '' on our final approval for short sale. She has continuously failed to properly communicate with our Realtor in requesting the proper documentation for closure of our sale, to the point of even threatening us with removal from the HUD approval list without documented reasoning. Unfortunately it appears that through time XXXX XXXX may have come to believe that she is above reproach. We have contacted Wells Fargo supervisory staff on several occasions without any direct result. XXXX XXXX XXXX has been the latest to attempt to intervene for us even though he is not XXXX XXXX 's direct supervisor. We understand that XXXX XXXX is a important person to Wells Fargo. We have been made well aware of her role in representing Wells Fargo Bank, but she works for the bank, she, herself is not the bank. 
We are now on our XXXX, buyer. This buyer has been given excellent treatment by it 's lending institution and has offered " above the Fair Market Value '' for our home. Yet again we just re-sent documents that were requested by XXXX XXXX, items that were sent on several other occasions. The Buyers are anxious and frustrated, as we are ourselves. Please assist us in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Recovery Services
State: CA

Complaint narrative:
I keep getting repeated phone calls from their robo-system for a debt that is apparently owed by another person. I have asked them to stop bothering me several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On or about XXXX/XXXX/2015, I telephoned a " Payment Assistance Specialist '' at Wells Fargo. I was told I can not receive any further forbearances and I must pay by XXXX XXXX, 2015. This person was trying to see if my being in " XXXX XXXX '' may help get an in-school deferment, but she thought not. This person offered no information about getting another servicer or modifying the loan. It seems, Wells Fargo wants me to default on the loans! XXXX XXXX University XXXX XXXX XXXX, XXXX, VA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had prior filed a complaint with the cfpb against Wells Fargo. I just received an email from my insurance company today that Wells Fargo has reported my property vacant. The property is not vacant and Wells Fargo was told this by me last month on two separate occasions. They stated then they would update their file and nothing further was needed. I feel Wells Fargo now reporting my property as vacant to my insurance company is retaliation for my filing a complaint with the cfbp against them. Their reporting my property vacant could result in my insurance being cancelled resulting in me having to purchase much more expensive insurance. They know my property is not vacant but are trying to cause problems for me by saying it is.

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