vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After being laid off on XX/XX/XXXX within the months that followed, it became increasingly difficult to pay the full amount of my mortgage at XXXX time due to lower unemployment insurance ( UI ) payments. By XXXX I was informed that my UI had run out. Eighteen months before I had received a home modification. When I consulted my home preservation specialist with my loan company ( Wells Fargo Home Mortgage ) she informed me that I should be able to get another modification. 
I was told to pay a lesser amount that was about XXXX of my current mortgage while the modification was being reviewed. After about 5 months I was informed that I was denied the modification and told to pay the {$5000.00} plus arears that I owed or be foreclosed on. I did not have the money so today I am in foreclosure due on XX/XX/XXXX 
In addition, I changed my home insurance in XXXX XXXX and was given a refund for the remaining 5 months which I in turn attempted to deposit back into my escrow account to account for the insurance shortfall when the new coverage began. WFHM did NOT apply that refund back to my escrow account. They posted it towards my " INTEREST '' and said I owed on my escrow account and charged that amount back to my principal!!! Now I have an increased principal due to this misapplied payment. The principal depart and the escrow departments are in conflict where those monies were applied. Neither will admit that made the payment towards to the escrow only that they can " see '' the payment was made. Now my escrow shortfall has resulted in an increased monthly payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I HAD A CAR LOAN WITH NAVY FEDERAL CREDIT UNION. 
MY CAR WAS STOLEN FROM A CAR REPAIR SHOP THAT I HAD NEVER LEFT MY CAR WITH OR DONE ANY TYPE OF BUSINESS AT ALL WITH THEM. 
I GIVE THEM A COURT ORDER AND WARNING THEM NAVY FEDERAL CREDIT UNION NOT TO GIVE MY CAR TO XXXX XXXX.THAT I WAS TAKENING TO COURT .I GIVE ALL LEGAL DOCUMENTS SUPPORT THAT STATEMENT TO THE NAVY FEDERAL CREDIT UNION. 
NAVY FEEDERAL CREDIT UNION GIVE HIM THE TITLE TO MY CAR AND MY SOCIAL SECURITY NUMBER AND OTHER VERY IMPORTANT INFORMATION TO XXXX XXXX. WHO HAD STOLEN MY CAR.I WON MY CASE IN COURT XXXX XXXX WAS ORDER TO GIVE ME THE CAR BACK BUT IT WAS TO LET HE HAD SOLD IT. 
THE NAVY FEDERAL CREDIT UNION DID NOT PROTECT MY PERSONNAL INFORMATION OR MY LEGAL RIGHT TO OWNER SHI OF THE CAR. 
I WROTE SEVERAL LETTER TO THEM BUT THE REFUSED TO DO ANY THING ABOUT IT.THEY EVEN GIVE ME BAD CREDIT AND DO NOT WANT TO BE RESPONIBLE FOR THEIR WRONG ACTION.I WOULD LOVE TO SUE THEM BUT I DO NOT HAVE THE MONEY TO HIRE A LAWYER. 
I WOULD NOT LIKE FOR ANOTHER PERSON TO GO THROUGH THE SAME THINGS I DID.THE XXXX NEARLY KILLED ME TO KNOW THIS AND THEY GET AWAY WITH IT. 
CAN YOUR OFFICE HELP ME WITH THIS MATTER. 
THANK YOU FOR HELP AND SUPPORT. 
PRAYING FOR YOUR HELP. 
TRULY YOURS XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My husband and I are XXXX XXXX that feel our rights have been violated. Our phone seems to have someone screening our calls letting certain calls go through and stopping others from going through. Our computer does what it wants to do and not what we want. My Mortgage Company seems to be taking money and pretending I still owe it to Foreclose early on my property, They appear to be trying to rush me into early foreclosure while calling me everyday and every hour of the day/ These calls are making me sicker by the day. I am not supposed to be behind on my Mortgage, however they are demanding {$2000.00} plus dollares by XX/XX/XXXX when my payments is {$780.00}. Taxes and Insurance included. I just paid {$800.00} plus dollars almost {$900.00} XX/XX/2016 they said they are holding it but it needs to be applied to my loan to show that I am paying my Mortgage. 
XXXX XXXX XXXX XXXX has been taking my XXXX retirement check for the last 2 Months which prevents me from writing checks and now we have to purchase bank checks, We need an attornehy to come and sit down and talk with us on a one to one to let us know what our options are. I do not trust Wells Fargo Mortgage Company, XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX they have all contributed to me losing my excellent Credit rating and now we can not get credit any where in this town. We need help. ( Anonymous ) I am being told one thing and they are doing something else.

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 2016-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My accounts were closed abruptly and I was unable to access the funds in my account without any correspondence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Integrated Recovery Services
State: NJ

Complaint narrative:
Continuous threatening calls at work numerous times a day although I informed him to stop calling my place of work. He uses profanity and attempts to reach other people within my workplace to share my personal business. He leaves voice mail messages and informed me that he has me on a 24 hr. reminder. He informed me that the debt consisted of 2 companies, but when forwarding the information to me, it only referred to 1 company for the full amount discussed. I have emailed him on XXXX occasions to dispute/ try and resolve the matter, he has not responded in writing to either one. However, he will call and speak very rudely to me and continue with threatening to seek wage garnishment and alert my coworkers. I hung up on him and he called me right back 10 times consecutively.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Became XXXX and could not pay a 8.5 % int mortgage payment. I wanted help to lower payment for remainder of loan which is 5 years. My home is appraised at {$90000.00} and I owe {$30000.00} so I definitely do not want to lose my home. I do not live in my home, it is rented for {$600.00} a month and my payment is {$760.00}. My loan preservation specialist, XXXX XXXX XXXX, who is my contact regarding my loan modification application, is not taking my calls. Since XXXX XXXX to XXXX XXXX I left at least XXXX voicemails, left messages with his co- workers XXXX and XXXX XXXX, and sent XXXX emails. I have yet to receive a call back. On XXXX I received XXXX denial letters ( after 35 days of waiting ) XXXX states HAMP tier 1 denied because I do not live in home ( applied for help for rental ) tier XXXX denied due to not meeting program guidelines ( don t know what guideline is. ). The XXXX denial letter stated they denied due to home being vacant ( home has never been vacant ). Don t know what to do other than appeal. It also states Americas servicing Co ( Wells Fargo ) is Only servicing the note and XXXX is the investor. Very confusing especially when I can not get anyone to communicate with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo loan consultant did not advise me to keep making payments on my existing loan until the new loan went through. When I applied for the refi with WF on XXXX XXXX, I had just made a payment on the existing loan 2 days before. Today I got a nasty gram from WF in email saying my XXXX payment was overdue. Not only that, but the reason the refi is taking so long is that Wells Fargo does not know how to work with condos and the insurance policy, even though other banks do I think routinely. And with this whole insurance thing, I had to contact all kinds of parties outside of the bank and yell and scream until Wells Fargo made an effort to work on the loan. The mortgage consultant had sent me a rejection letter prior to that because he could not find folks in his bank to work the loan.

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 2015-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My Ex-Husband walked into a Wells Fargo branch to apply for a re-finance on his home. During the application process the bank obtained my information and ran my credit four times, as well as gave my ex-husband detailed information from my credit including my score and recent inquiries made on my credit. My name is not on his current home loan not is it on refinance application. I was never notified verbally nor in writing that this was taking place by Wells Fargo, and only became aware when I checked my credit online and saw the inquiries from WellsXXXX Fargo. I have no bank account, credit card, or outstanding loans with Wells Fargo, and as such it is a direct violations of the Fair Credit Reporting Act to obtain my information and illegally run it multiple times, as well as disclose private information to an Ex Spouse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I attended XXXX University between XX/XX/XXXX and XX/XX/XXXX to earn my XXXX and a XXXX. To finance my education, I paid with a mix of federal and private loans, as well as my personal finances. My private loans were issued through Wells Fargo Bank ( although I had come to Wells Fargo through XXXX ). After applying for my loans, I never received any correspondence from Wells Fargo. I was given no account information to view my loans online, and even when I tried to track this information down online by entering other personal information, like Social Security number, birthdate, first and last name, their online system could not link me to any account ( which I find odd considering almost every other banking institution can retrieve your account information from your personal information filled out in your account applications ). 

Having never taken out student loans previously, I was not completely understanding of how the process worked. Since my loans were then issued and distributed through XXXX University 's financial aid office, I did n't suspect any issues or negligence on the part of the bank. 

My loans will soon fall out of their grace period next month, and after having still not been contacted by Wells Fargo, I called to find out any information. In speaking with several loan service officers, I learned I DO in fact have an account number, which had never been given to me through any correspondence. I learned my mailing address had been incorrectly recorded in their system, and so I had never received any snail-mail correspondence that would have provided information to access my online account. 

I was never emailed nor mailed ANY statements notifying me of quarterly interest payments, which I could have been making ( and DID make on my federal loans ) during school. 

I have now accrued nearly {$10000.00} in interest that I was never notified of, and the bank accepts culpability for mailing loan disclosure agreements to the wrong address and for also failing to EVER correspond with me through email so that I could access my online account. 

I understand from the XXXX XXXX XXXX 's XX/XX/XXXX article ( XXXX ) that Wells Fargo has been under investigation by the CFPB, so I am submitting my case to help further this investigation. 

If the bank will not allow me the opportunity to make retroactive payments on the interest that I was given no written ( or otherwise ) notice of, I do plan to take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In short, on XXXX XXXX, 2011, I took out a VA Mortgage Loan with WELLS FARGO BANK. Everything appeared good up until the point when I took some private accounting, constitution and banking classes. To make a loan story short, I discovered the fact that WELLS FARGO BANK participated in banking fraud. How is this so? All banks are governed by the Federal Reserve Bank. The Federal Reserve Bank published various publications such as " XXXX '', " XXXX '', " XXXX '' & " '' XXXX '', which openly admits that Federal Reserve Notes are not only real money, but how commercial banks NEVER loaned any money to anyone ; it is the borrowers ' signatures which create loans in the first place. Not to mention according to US Constitution, Federal Reserve Notes aka US Dollars are not lawful money. According to Article 1, Section 10 of the US Constitution, the only lawful money is gold or silver coin. Consequently, what happens is that when a bank receives a borrower 's signature, the bank endorses it as a check or money order and then report this as a deposit as a off balance book sheeting accounting transaction, creating a lack of financial transparency. Furthermore, the bank then reports this transaction as a bond with the United States Treasury. The United States Treasury then sends funds for the bond to the bank. In addition, the bank convinces investors to invest into the mortgage as a security by biding it on the Stock Market. The mortgage is then transferred into a " Special Purpose Vehicle '' as a " Collateral Debt Obligation '', which means the bank was paid twice as soon as the mortgage contract was signed ( XXXX by the borrower 's signature and XXXX by the investors ). This is further explained in my memorandum of law, which is attached herein. Furthermore, various correspondence was sent to WELLS FARGO BANK in regards to an inquiry about whether they were an actual lender as well as the demand for the original note. As a result, WELLS FARGO BANK did not respond and I put them into default. These documents will be provided at a later time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Applied for a refinance, XXXX thru the process of closing, receive a call and a email stating the loan has been cancelled. This happened several weeks before the rate lock expire date on the loan estimate. Been given several different reasons why, but none pertain to my actual situation. They refuse to move forward and refuse to refund any of my cost, such as appraised cost etc. They either do n't return phone calls or delay and then send emails, they have not returned a single phone call as promised since this began. Send paperwork saying they sent other paperwork for denial reasons and have n't. Send paperwork that has incomplete dates on it. Yesterday they changed their reasoning for my denial again and said it was further explained on paperwork they sent, I have not received this paperwork as today. Have been very patient, but feel I am now getting the run around and ca n't figure out why.

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 2016-12-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I currently have 3 credit cards with NFCU, and all of the sudden NFCU turned off 2 of them. I called NFCU to see what happened and they stated they were turned off and my 30 day window to turn them back on had passed. I was not given no prior notification from them that this was happening. NFCU has a past of doing illegal things

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: VA

Complaint narrative:
I refinanced my mortgage on XXXX XXXX. My current mortgage servicer at the time stated that they did not get the payoff amount until XXXX XXXX. Since the loan was still serviceable on XXXX XXXX they took a payment for the month of XXXX. When I contacted them about this they did refund the principle and escrow portions of the extra payment but not the interest portion totaling {$700.00}. So in essence I paid and additional {$700.00} for a transaction that should have taken place one day earlier. The main problem is that ALL mortgage refinances are completed on the XXXX of the month and my HUD form this transaction states the XXXX of the month. This is not sufficient for my former servicer and they state that they owe me no more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XXXX, I filled out paperwork for the XXXX XXXX XXXX claims insurance which covers my auto and visa payment and I discussed payment arrangements with NFCU and made payments on XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX while my account was placed in a XXXX ( NFCU Vehicle Payment Protection Plan ) status. Although, all the correct paperwork was filed my account was placed in the NFCU Collection Department and giving a " Delinquent Status '' & every other day I was called about making a payment while also receiving XXXX dollar checking overdraft fee & on XXXX XXXX XXXX the NFCU Collection Department took it upon themselves to raid all my NFCU accounts including my spouse 's withdrawing at least {$550.00} and applied it to the auto loan. My NFCU Vehicle Payment Protection Plan claim with XXXX XXXX XXXX was approved during this period and a payment of {$820.00} was made to NFCU on XXXX XXXX, XXXX canceling payments that I had made from the period of XXXX XXXX XXXX XXXX while determining if any additional payments were to be cancelled for XXXX. On XXXX XXXX, XXXX NFCU collection department took out {$830.00} from my account interfering with my efforts to pay my other bills. These unauthorized withdrawals by NFCU, late charge fees and harassing phone calls keep happening that my spouse closed all her accounts with NFCU and I closed my checking account but I was informed this month ( XXXX XXXX XXXX ) by NFCU collection department that they were still trying to collect from that closed account and that I owed almost {$300.00} in late fees from a " closed '' checking account. They also wanted me to reopen a checking account and have a direct deposit placed in the account instead of me making my NFCU auto and visa payment through another bank. I have asked to have my auto payment moved to another day in the month but was told that NFCU can not change or reduce auto payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I 've realized that credit card debt has caught up with me. I am not a big spender but have been paying interest rates that seem to cancel out my regular payments. I have been with Wells Fargo for eight years and the card with one of the highest interest rates I have is theirs. I went to the bank to discuss a low interest loan to help pay it off ( they were advertising a low interest loan ). They chatted me around the block and it is now almost two week and I have not heard anything back about approval. I am now sure that I am not approved. They have taken a ton of money from me on that card and consider me a valued customer ... I guess except when I no longer want to be a cash cow for them. I realize this is my error but one would expect better treatment from a company I have had a long relationship with. Can anything be done? I was not able to upload documents on this site. I can tell you that, although I 've used this card infrequently, the interest in 2015 alone is {$720.00} and counting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I went to the ATM at the Wells Fargo location in XXXX, IN like usual. The v machine has been extra slow the last several weeks and I 've just put up with the long line of cars that forms behind me whenever I 'm using it for deposits, however this time it took my money and miscalculated it! WTF? If the tellers did n't try to sell me something every single time I complete a transaction I might not hesitate to go inside so often, but dealing with them is almost more rotten then the broken atm! Please replace or service it asap! Thanks!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went into a wells Fargo branch to open a bank account and credit card. The wells fargo banker kept pushing to sign me up for a cash wise credit card. I TOLD HIM I DO NOT WANT THE CASH WISE CARD. I wanted the signature rewards card. after we were done he said he signed me up for the cash wise card but I can switch the card after I get it. I made a whole commotion and started yelling at the banker until the branch manager came and said that after I receive the card I can call up and switch the card. I got th card today and called up and they refuse to switch the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation