vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In 2016 Wells Fargo created an " unapplied '' funds account where they took my checks that are marked " escrow only '' and deposit them is a non-descript account. They took checks that are marked Mortgage " principal and interest only '' and liquidate them in this mysterious account. Money then flows out of the account without any documentation of how much money was taken out of the account, where it was applied, what the balance was before or after money was moved in and out of this non-descript un-applied funds account. I can not tell from the lack of documentation where money is going or follow any paper XXXX. If it is being applied to escrow, then there needs to be itemized records indicating each entry. If it is going to principal and interests, then likewise, there should be itemized entries. Clearly Checks marked escrow should go to the escrow, and checks to pay the mortgage principal and interests should do exactly that. If there is a shortage then I should be notified with the correct payment options. 
In keeping with XXXX XXXX, I am asking Wells Fargo, to supply an " un-applied funds '' accounting ledger for the 2016 year that shows the input and output accounting, the checks by number that they liquidated into that account, and what fines, fees or transfers were made to/from that account and what when to pay what? I would also like to see a copy of the amortization schedule with a comparison of where the VA closing statements indicate where we should be at this point and where Wells is actually at in reference to the amortization schedule. 
I am asking also that the requested accounting be attached to the replay here at the Consumer Financial Protection Bureau, along with a copy mailed. - Thank you

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 2017-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo dealer services repossessed my travel trailer. This was a voluntary repossession on my part. I became permanently XXXX. I am XXXX % service connected XXXX and receive XXXX, I could no longer afford the payments. After repossession however under XXXX state law I was suppose to receive notice of sale in writing, which I was never provided. Wells Fargo Dealer Services has been unable or unwilling to provide proof of notice. This is a violation of law, therefore Wells Fargo must cease all credit reporting of this account on my credit reports, it must be deleted.

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 2016-06-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
we were denied credit because of serious delinquency, and public record or collection filed. We filed chapter XXXX XXXX XXXX and Capital One Bank USA NA was paid in full according to my attorney XXXX, NY XXXX and also XXXX XXXX XXXX were paid. There should be no written off amount or any liens against my property on XXXX, NY XXXX. Please remove this negative information and report this history as a fair and accurate information. I would like XXXX TX XXXX XXXX please correct this information and XXXX XXXX and XXXX XXXX to correct the negative information. Also our XXXX Case Number XXXX is paid our second mortgage loan number XXXX is also paid through bankruptcy chapter XXXX through court system in XXXX, XXXX XXXX XXXX we have a letter saying all of our payments are satisfied. Experian credit needs to correct & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I have a mortgage with Wells Fargo. I refinanced with them and they misled me about how much the closing costs were going to be and they took money from the original escrow account and no one can explain to me where that money went. They also never calculated in the new escrow into the closing costs to make it seem the closing costs were not as much as it seemed.

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 2016-11-16 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: HONOR FINANCE, LLC
State: GA

Complaint narrative:
Hello, Honor Finance is absolutely NOT permitted to call my work, and I have sent that in writing several times as well as expressed that via telephone. I received a call on XX/XX/2016 at XXXX regarding my car loan where the caller used deceptive practices to be transferred to my classroom during school hours. The receptionist thought she was a parent because of how the caller presented herself and the nature of her call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On Thursday XXXX XXXX, 2016 at XXXX XXXX, while working XXXX my boss sent me a text message stating that she needed to discuss a matter concerning my finances from a banking institution that intertwined with a client of mine. When I returned to the office, from my break, I received a phone call from my client stating that a letter from Navy Federal Credit Union was address to me with his address on it. I asked the client to come to the office immediately and when the client got to the office he showed me the letter, which did in fact have my name with his address. The letter contained my personal loan information, such as the loan number, the dollar amount of the loan, and a pay off amount to clear the loan. This letter was sent by Recovery Specialist XXXX XXXX with Navy Federal. I called the Navy Federal number XXXX and spoke to a representative and told her what was going on and she told me to call back the following morning to talk with the Supervisory Recovery Specialist. I called back the next morning and spoke to a Supervisor Recovery Specialist XXXX XXXX XXXX XXXX. She told me that she was advised by her supervisor not to discuss this matter with me. I asked to be transferred to another supervisor and was transferred to a supervisor with the last name XXXX. This person told me that Navy Federal did n't do anything wrong and would not tell me how she got my client 's address or how my client 's address was linked to my account. When I requested to speak to her supervisor she refused to put me in contact with her supervisor and hung up on me. My employment with the XXXX was terminated seven days after they were notified of the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the debt collection firm XXXX XXXX XXXX had gotten a judgement against me without my knowledge, without any notification in 2009 & has repeatedly tried to collect on a debt I do not owe due to identity theft. I have contacted them repeatedly, filled out XXXX identity theft packets & submitted police reports. They have seized assets in my bank accounts XXXX, which were eventually returned to me. I have been to the county records office/courts to find copies of this judgement & there are no records. 
This is a debt that was created due to identity theft. I have provided all the information and last known whereabouts of the individual who stole my identity yet XXXX XXXX XXXX has still continued to harass & threaten my assets. 
I can not keep a bank account due to the constant threats of asset attachment. This has been an ongoing issue since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently discovered the alleged debt being reported on my credit report from this company. As I did n't recognize the debt I mailed this company a request for validation. The company has not provided me with validation and continues to report it on my credit report still.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
A tenant of mine went to a Wells Fargo Branch Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, Phone # XXXX XXXX, Branch Manager : XXXX XXXX on XX/XX/XXXXHe presented a payroll check # XXXX, Drawn on XXXX XXXX XXXX in the amount of {$2000.00} dollars. The tenant XXXX XXXX was given cash by this branch. The check bounced. We had a joint account ending in # ... XXXX with me at that time for him to direct deposit his rent. We keep no money in the account it comes in we transfer to our rental account. The bank XXXX loss prevention on XXXX deposited XXXX into this joint account, the account was charged XXXX item return fee, then deducted XXXX, then on XXXX charged XXXX overdraft fee for the XXXX return and credited XXXX to the joint account. We closed this joint account. On XXXX the bank unlawfully took {$2000.00} from my personal account ending # ... XXXX. I was told by my local XXXX XXXX XXXX branch that I must to XXXX XXXX branch to get this corrected face to face. 
I did so, a XXXX mile round trip for me. I met with XXXX XXXX the branch manager. Who issued me a deposit ticket for XXXX back into my # ... XXXX account. I thought the issue had been resolved. No such luck. The {$2000.00} was never credited to my account. 
Again this appears to be unlawful. I have been referred to claims dept, research dept. then to loss prevention etc. round and round still no refund of the funds in this unlawful transactions. Please help me to get the funds the Bank Stole from me. I am not the payor or payee of the payroll check. An innocent party. Help. Do I need to go the the federal reserve or my Senator, or can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I purchased windows through XXXX, and they offered 15 months 0 % financing through Wells Fargo. 

I have been paying regular payments to Wells Fargo for this 0 % interest program and noted they opened a new credit card account in my name and transferred the balance owed to the new card account. It appears based on the statements, that this took place in XX/XX/2017. I did not request Wells Fargo to open a new card on my behalf, nor was an explanation given as to why the new account was opened and the funds were transferred.

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 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I submitted a mortgage application to XXXX. in XX/XX/2013. Part of the process is XXXX must submit toinvestor who in this case was Wells Fargo and Wells Fargosuspended my commitment. As it turns out they suspended mycommitment because they asked questions about XXXX cancelledchecks. Problem is I never submitted canceled checks with myloan application which XXXX has confirmed. Only way for WellsFargo to see the canceled checks was to gain UNAUTHORIZEDACCESS to my XXXX XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I deposited a check with mobile phone feacture for a payment check received for my XXXX daughter to my Wellsfargo. Money posted to my account and I tranfered the money to my XXXX 's account. The check turned out to be flaudurent and both our accounts were immediately frozen for all activities pending to be closed in 10 business days. I was not alerted about this action until when I tried to post an online transaction and could not therefore I called the customer service. I went to one of Wellsfargo branch, gave the copy of the check and I opened a police case. I have been a customer with the bank for over 22 years with no issues, and when they froze my account, all bill payments scheduled were not sent although I had positive balance. When Wellsfargo processed return check transaction, a return check fee was posted aganist my account. Also they posted an overdraft charge fee since my current balance did not cover the returned check vallue. I called Wellsfargo and requested them to move the funds from my XXXX account since that account had the money for the posted check and also to remove the overdraft charge but to no avail. Both my and my daugher accounts were closed with no consideration at all especially after being a customer with them for over 22 years and since I was a victim of flaud myself. Wellsfargo sanded me with transactions fees over {$50.00} dollars, my accounts are now closed and I am waiting for the check for the account balance. Their customer service was horrible and the last agent I spoke to hangup on me. I feel violated both by Wellsfargo and the papetrators of the fraud. Wellsfargo should evaluate each case by facts and not have a one policy for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I purchased my house in XX/XX/XXXX and after 2 years my payments went up, so I called Wells Fargo to find out why this happened. That is when I found out that I have been given a XX/XX/XXXX with an interest only loan and an XXXX intrest rate. Tried getting a loan modification through Wells Fargo but they stawled me and did n't do anything about it, by that time I was served a summons of forclosure and my second mortgage had file a lawsuit having my bank accounts frozen. This all lead me to a Chapter XXXX in XX/XX/XXXX and XX/XX/XXXX I received a forclosure sale date. To stop this I had to file a Chapter XXXX, so here I am facing an obligated trial plan of {$3300.00} for just the first loan and with a hearing date of Monday XXXX, XXXX and obligated to take this payment to save my home. 
This was my American Dream to buy a home and have a Bank ( Wells Fargo ) destroy my financials and on top of this if I accept the trial plan I would be forgiving them for everything they put me and my family through and on top of this losing our home.. 
I have hired attorney 's and loan fraud audits but Wells Fargo do n't care the just proceeded with the foreclosure process. I asked my attorney if he can present an offer since I am willing to make payments of {$2500.00} for 30years but he does n't want to present it. This is unbelievable.

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 2016-10-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
For an unknown reason my autodraft ( from my Wells Fargo checking account to my Wells Fargo personal loan account ) stopped. 

This resulted in ( 1 ) my loan payments being reversed ; ( 2 ) my losing the the favorable interest rate ( for being on autodraft ) ; ( 3 ) my account going delinquent and being sent into collections ( I never received noticed it went delinquent ) ; and ( 4 ) my payments accruing at a higher interest ( loans on autodraft are on a more favorable interest rate than those not on autodraft ) because my payments fell off of autodraft. 

I am told the payments were reversed because the payment was being drawn from an 'unknown ' account. Please note that this 'unknown ' account is the very same checking account that was used to set up my autodraft payments on Day XXXX. 

Because the autodraft payments stopped, I am now being charged a higher interest rate. I am told Wells Fargo can not refund the amount because by not being on autodraft, I no longer qualify for the favorable interest. 

Even though I never authorized the autodraft to cease, and the error was not on my part, I am told Wells Fargo can not refund me the difference in interest payments. 

I need someone to explain to me how this is right. 

I first need someone to explain to me how my checking account became an 'unknown ' account that led to my loan payments being reversed. 

At the end of the day, the difference in interest rate payments is very nominal - a few dollars. And literally at the end of the day that is all that will be because I plan to close all my accounts with Wells Fargo within the week. 

However, it is the principle - I should not be charged, fees, late payments, or interest for an issue that I did not cause or initiate. 

I am providing for your review ( 1 ) a snapshot of my WF accounts ; ( 2 ) the recent payment history that shows that my last XXXX payments came from the same checking account that is now 'unknown ' and resulted in my XXXX payment being reversed ; and ( 3 ) the loan statement that shows my payments being reversed. I did make a payment over the phone today to bring my account current.

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 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A certified brokerage inheritance check for XXXX was deposited on XXXX XXXX of this month, 2015. I was given a receipt and told the verification period typically took 24 hours, and if issues arrived I would be notified. 2 days later with no funds and no notifications, I decided to contact Wells Fargo and XXXX XXXX to see into the problems. XXXX XXXX confirmed the funds were withdrawn by Wells Fargo by XXXX XXXX. Wells Fargo has on three separate communications told me that : 1 ) They were still waiting on XXXX XXXX to confirm the funds. 2 ) That the check had been returned. 3 ) That the check had to be verified still. They have told me that my funds would be available on XXXX XXXX, which is abnormally long. They have also refused to make any portion available earlier, despite what I understand to be conflicting legalities of deposits over {$5000.00}. Customer Service complaints aside, I find their practice unfair and unreasonable and request a third party 's assistance on the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I got a Wells Fargo easypay instant card and added {$150.00}. I made one purchase at XXXX XXXX, the total was {$89.00}. When I tried to make another purchase at another site, a message came up that said that the order could n't be confirm.I obviously continue trying sense I know I had {$60.00} left. The same message would come up. I tried buying from other site within my budget and nothing.I went to the bank and ask what happen?. They would say that nothing was wrong with this card to call the companies. I knew they were lying because I have bought things from those same site using XXXX, or XXXX XXXX gift card. I know XXXX dollars is not a lot of money, I just wound what they were thinking, like that I was n't going to remember how much I put in the card. I can proof how much I add an how much I wasted.

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 2015-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on Wells Fargo improperly and unfairly reviewing my loan modification request for relief. I have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Wells Fargo has repeatedly denied me help and I never get a single person to answer my questions honestly or directly. They always have hundreds of people pass of my file amongst each other just to create motion and delays. I intend to keep my home and I meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Wells Fargo Mortgage illegally commenced and is conducting a foreclosure without attempting to find workout relief options for me. They have mishandled my documents and my file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out onto the streets. they have clearly violated XXXX specifically under the ''dual tracking '' clause. Wells Fargo instructed and allowed foreclosure trustee named XXXX XXXX XXXX, and XXXX XXXX to illegally start foreclosure on my property. 
The Wells Fargo and know your rights website gave the result that I am eligible for a loan modification with the lower payment to save my property. So there is no reason why Wells Fargo should have denied my request or started foreclosure on my home.

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