vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a Realtor of 30 years and my family was severely impacted when the financial markets collapsed in XX/XX/XXXX. Since that time our family had to file bankruptcy to save our house because we could not get Wells Fargo to approve a mortgage modification. As a result of that filing, and without a mortgage modification we had to reinstate our loan for our primary residence by pulling a large amount of money out of our retirement account. Our bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. Our primary residence is still carrying a 6 % loan, as we have been unable to refinance due to the neighborhood values and most importantly the mortgage was sold through the secondary money market. In addition, due to a lawsuit we had to file against XXXX to secure a modification for an investment property we are being told by the banking community our loan modification is seen as a short sale. So with the combination of a secondary market loan product and short sale we are still unable to refinance our family home. Why is our family being discriminated and penalized against obtaining a refinance on our primary residence residence when not one banker has been held accountable for the financial collapse of this country? This is pathetic!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a Claim with Wells Fargo for paying for a product via ACH that I have not rec 'd to date as the Merchant refused to refund my money/problem solve to resolve the issue as USPS admitted they messed up and forwarded my package to another address because the Postman did not perform his due diligence to making sure I was the resident and not the prior residence at the address. 
Wells Fargo Claims Dept did NOT call me to discuss the matter and they denied my claim saying the transaction was valid and did not research to see I was not filing the claim for fraud but because I paid {$86.00} for a product I do not have. 
I have been bounced around for over an hour between XXXX-XXXX Wells Fargo Representatives who are not even taking the time to understand the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a loan modification in XXXX. It took two years to complete because Wells Fargo did not read the faxes I submitted. This cost me thousands of dollars that was added to my VA financed loan. The modification was finally approved in XXXX XXXX. This placed my home up for foreclosure. I started payments in XXXX XXXX where Wells Fargo continued with the foreclosure my home was foreclosed on. The proof is public record in XXXX County Fl. I have been trying to get my home deeded back into my name so that it will be affordable since XXXX when I found out it was no longer deeded in my name due to a foreclosure in XXXX XXXX. Wells fargo has taken payments and no one knows how to get the deed titled in my name again. Because I am a XXXX veteran I am due tax breaks that would reduce my mortgage payments drastically and Wells Fargo, who is known to have defaulted and not worked with VA backed loans illegally still will not have my home deeded in my name. If I pay this home off tomorrow it will not belong to me. No one at wells fargo seems to think that my home was ever foreclosed on and does n't know where to send me to get it titled in my name. This is costing me more money. If I default on this loan I will be a homeless veteran with a child. Due to Wells fargo refusing to assist in this matter.

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 2016-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A few weeks ago, I logged onto my credit card account to pay off a {$1100.00} balance from a large purchase. I alternate paying my credit card with my XXXX checking accounts at XXXX different banks, one of which is Wells Fargo. At this instance, I meant to use the other checking account but mistakenly clicked on the Wells Fargo that did n't have any money in it. That is when all XXXX broke loose. 

As the credit card issuer made multiple pulls at an empty account ( I did n't know they could do that ), Wells Fargo charged multiple {$35.00} NSF fee. They continued to charge and charge and the amount went to over {$100.00}. 

What 's more, I am an American that spends most of my time XXXX. For Wells Fargo, that means I virtually am always locked out of my online banking due to 'security reasons ' and therefore can never have a great idea of my balance unless I make a costly international call to their customer service. 

Despite my best efforts, Wells Fargo only refunded a tiny amount. 

Despite this being a result of a mistake, Wells Fargo preyed on me, a very long-time customer, as they probably do to many others. My family and I, who have linked accounts, have been customers for decades and I feel cheated that this would happen. What with the huge scandal about fraudulent accounts as well as my personal struggles with them, Wells Fargo is definitely no longer a bank you can trust - if you ever could.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a complaint XXXX/XXXX/XXXX XXXX about my money I have sent every month not being applied to my mortgage loan. They have not applied a payment to my account since XXXX XXXX. Every time I called before I filed a complaint which I started calling 6 months before I filed an complaint and every time they told me they were looking into it. Okay seven and a half months later it is still not resolved. When I filed the complaint almost seven weeks ago I was told it would take a couple of weeks. Hey people we are living in the XXXX. You have the money. One phone call should have taken care of this. You call the branch where the money is held and you tell them to release it. You send me an updated XXXX. You call the credit report people or better yet sent them a letter letting them know I have not missed my payments and please adjust my credit score. Do I need to get a lawyer?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My family has owned our home in XXXX for over 30 years. At this time I am retired and live in the property along with my XXXX son. I am contacting your office because I am in trouble on my mortgage loan which is with Wells Fargo, and they are moving me into foreclosure. I am afraid that I am going to lose my home and be out on the street with nowhere to go. I feel that Wells Fargo is not fairly negotiating with me ; I feel that they are denying me access to government programs that should be made available for struggling homeowners. I feel that they have made errors in their review of my financial situation and have wrongly denied assistance. I need help with this matter, I ca n't seem to make any progress with Wells Fargo and I do not want to lose my home. 
I first began struggling with my mortgage payment in XX/XX/2013 due to the overwhelming costs associated with my son 's XXXX and began the process of attempting to get assistance from Wells Fargo. It took literally over a year of back and forth with their agents to actually get a review conducted. During this long period my delinquent amount continued to increase, putting me into an even more difficult position. When the review was conducted I was just entering into retirement and I do n't believe that they took into account all sources of income. I receive SSI, a pension, and also money from the government for my son 's XXXX. I believe that if Wells Fargo were to properly calculate these income sources and to work with me in a fair manner, a resolution could be drafted that would be beneficial to all parties. I know that Wells Fargo received billions of dollars in bail out money, and I know that Wells Fargo has been reporting record profits, even as their employees open fake bank accounts in order to maximize profit. I would like Wells Fargo to show some compassion towards my family, and the home we have owned for nearly 35 years. I paid this loan on time for years, they have collected thousands of dollars in interest from me and this is a problem that can be resolved if Wells Fargo would take the time to conduct a fair review of the current and correct financial information. 
I feel that Wells Fargo is more interested in moving me into foreclosure instead of attempting to resolve this matter. A foreclosure would be devastating. If this can be avoided, why is Wells Fargo making things so difficult? I believe if Wells were to conduct a proper review that we would be able to work things out.

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 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
A loan was created illegally thru NFCU, I was put off for months said would take loan off my accounts as of XX/XX/XXXX, never was, changed amounts added loan after date it was to be removed, added money into my checking account from a closed account in XX/XX/XXXX, more stories and accusations from them, I ca n't handle it anymore. I 'm tired of all the shady business and rude crude unattractive CSRs and from the XXXX XXXX and XXXX I can Handle. These attachments tell the whole story with their own paperwork I have enclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
My complaint is about Navy Federal Credit Union. It has come to my attention that my current auto loan is now nearing almost 4 years of payments. I decided to go over the amount I have paid and what is left to pay on this loan. Based on what I have calculated I have not even paid off half of the original amount financed. Based on my XX/XX/XXXX - XX/XX/XXXX statement I have {$23000.00} left out of {$31000.00} that was originally financed XX/XX/XXXX. Additionally I have calculated out the last 11 months ' worth of payments which equaled {$4800.00}, to which {$1600.00} has come off of my principal balance. That means that {$3100.00} had gone towards the interest charged on my loan. The average amount that is getting paid toward my principal is {$150.00} and {$280.00} goes toward interest. That is nearly twice as much. Based on the figures that I stated above it would take me approximately 153.4 more payments to finish out this loan. That is another XXXX years on a loan that was only supposed to be for 84 months or 7 years. So this begs the question : Why am I going to pay 15 years on a 7 year loan? I would literally be paying {$67000.00} to pay off the {$23000.00} that is remaining. I renegotiated this loan XX/XX/XXXX to get a lower payment because of financial difficulties, but apparently the interest stayed the same, so nearly XXXX % of every payment goes to interest. This is ridiculous in my opinion.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XXXX XXXX, 2015 I responded to a letter from Wells Fargo offering XXXX a line of credit, inquiring as to what I could be approved for and at what rate ; an audio recording of that call, provided by Wells Fargo, is attached to this email as well as a transcript of relevant dialogue below. In short, I only wanted to know what rates would be available to me and made very clear that I did not agree to take on any line. After this conversation Wells Fargo began sending me information in the mail about my " new line of credit and credit card ''. I contacted them and told them I never wanted this line, that I did not agree to take on this line, and that I needed it closed as they opened it in error. After nearly XXXX months of communication with them they stated that this very call is the call where they feel I " verbally agreed '' to take on the note, they then said they would close the line noting it as " closed by customer request. '' I have told them this solution is unacceptable and they have not resolved it any further. Now it appears on my XXXX credit report that I opened and closed a line of credit, which as you know, looks bad XXXX. 

As you will hear in this call, I never agreed to take on a line of credit XXXX and want this line expunged from my record. There should be no record on my XXXX credit report that I opened and closed a line ; Wells Fargo opened a line in my XXXX name fraudulently and I want it removed and noted as fraud so as to keep my XXXX credit record clean. 

Thank you so much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I live in NY and submitted my original complaint to NYS Department of Financial Services. My problem is with Wells Fargo Home Mortgage, regulated by you. In XXXX we got an unemployment forbearance. I called in XXXX because we were back to work, and wanted to resume payments under a modification. From that time on I have had XXXX " specialists '' who have requested their own laundry lists. In some cases I had XXXX different specialists in one week. I always submitted the required paperwork, promptly. I was originally told that I had 6 months for the forbearance. Today is the end of that time. Ihave complained everywhere, and have been assigned to XXXX XXXX in the President 's Office. I have sent her a packet as requested, and asked for confirmation of hat happens next. I know it arrived on XXXX/XXXX/15, followed up with emails, and am getting no response. Basically, Wells Fargo is totally unresponsive. My loan is a XXXX XXXX, but the package is never getting submitted to them since Wells Fargo is not doing their job. 
I am totally disgusted with the lack of response, and very concerned about the status of my mortgage and credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX at XXXX, XXXX XXXX, calls claiming to represent Cashnet. I have not received written documentation from this company, only a verbal claim that they represent CashNet USA. 

Even worse, this man called my son on his cell phone! My son is in no way connected to this situation. Yet this man threatened him with legal action, garnishment thru his employer and more. 

Is a debt collector permitted to call any number he so chooses??? 

Please also note that I have contacted CashnetUSA a number of times over several months asking for written documentation as to whom represents them. I have not rec ; d anything. 

Is it not my right to know whom I should pay?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX 2015, my wife and I closed on a house financed by Wells Fargo. Up to that time, our credit was over XXXX and qualified for a low PMI payment and interest rate. At the time of closing, we were informed that our credit had gone down, and that we would be required to pay higher interest and private mortgage insurance. I checked our credit score and it had n't dropped. I also asked Wells Fargo to look into why they arbitrarily lowered my score with their proprietary credit reporting software, just low enough ( XXXX ) to make us pay extra money for PMI and interest. They could n't explain it and had no answer but at the time we were locked into the loan so we had no choices or options. I believe this part of the overall activity that has been occurring at wells and wonder if your office can do anything or make suggestions on what we can do address this issue.

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 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I lost my job on XXXX XXXX but I still paid my mortgage every month. On XXXX XXXX, I called my loan servicer Wells Fargo to ask forbearance plan, which stated on its website. First I was told they do n't have this plan, but only modification, and I was not eligible because my loan was current. After I reiterated I did n't want modification but temporary assistance, they assigned me a home preservation specialist. I told him put notes that I do not want modification. He ensured he did, and told me the assistance plan for 6 months which pays {$25.00} each month, and a lump sum total repayment needs to make after 6 months. He also stated I need to submit property tax and home insurance info to get approval. I was hesitated and never submitted these. I got a letter one week later that I got approved even though I never submitted requested info. At the beginning of XXXX, I decided to make full payment for my mortgage, I was told online I had to call home preservation to make a payment. I did, and the specialist assisted. One week later, I received a letter that escrow account was established and payment for property tax was made. The letter dated XXXX XXXX, but I paid my property tax on XXXX XXXX. The letter indicated Wells Fargo reviewed my property tax upon the assistance program. The specialist never notified me this, and I had up to XXXX XXXX to make tax payment. So now, I was forced to create an escrow account, my property tax was double paid, my current loan is no long current because the escrow amount was taken from my principal. I called the specialist, his manager stated that the purpose of escrow account was to protect investors ' interest. If I ask for assistance, even just for a few months, they have to establish escrow account. My questions are if I could only afford {$25.00} a month payment, how would I be able to afford escrow? I asked for temporary assistance for my last resort help in case I can not make payments, but now my credit got ruined, my loan was messed up, my property tax was double paid, and I no longer can have temporary assistance. How awful!! I would rather use up my savings but not want this kind of disaster, hassles, and insults. Wells Fargo does n't care about consumers like me but only its investors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I continuously receive calls for a debt that does not belong to me

Company response to consumer: Closed
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has a property listed at XXXX number XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. I put a FULL PRICE offer of {$360000.00}, on this property, which is listed with the REO agent XXXX XXXX. License number is XXXX XXXX in XXXX XXXX XXXX ; on XXXX XXXX 2015. My Realtor was told that they Had a several offers over the Listing Price. Now the property is back on the market and is Listed XXXX below the previous Listed price and my prior offer. The Realtor now is saying that she has offers again, over the Listing price. I feel that since I am not using Wells Fargo for my mortgage, which an addendum was presented that wells fargo can prequalify me, and other documents pushing a Wells Fargo 's Mortgage person, the Realtor is not taking my offer. I also Feel, that the realtor is taking offers that she is getting both sides of the commission on which seems to be a conflict of interest and in the best interest of the REO Lender. This is not the first Wells Fargo REO property, that this Realtor did not accept my full price offer. My Realtor was willing to give her XXXX % of his commission to make this transaction work. Can you help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a long standing Wells Fargo banking customer using checking, credit card, mobile and online sevices. Today I attempted to transfer funds from one checking account to another checking account. Instead of a checking to checking transfer, a checking to credit card payment occurred. After calling customer service I was informed this transaction could not be reversed/cancelled even though it was still in a pending status at the time. I was informed it would take 1 to 5 days repeatedly to reverse transfer which further ascerbated the conversation and my frustration level. Every explanation from me indicating that the credit card had a XXXX balance for 9 months and it was a Wells Fargo credit card brought the same response 1 to 5 days, I thought I was talking to a robot with an automated response.

Company response to consumer: Closed with explanation