vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i have been working with Hamp services, to save to my home, i qualify for home principal reduction program, i sent my payments on time, the bank was in agreement, but then turn around and put a sale date on my home, i filed a ch XXXX on XXXX at XXXX same day of sale date which was at XXXX, i called the bank lawyer to let them know and also fax the bk case number, the bank received my paperwork on XXXX they answer the orginal complant that was filed with you, but instead of answer the complint to you, i recieved it the answer of the complanit the day before the sale date, i wasnt notifed of sale at all, the bank lawyer was not returning phone calls and was avoiding to back out the sale of home, they have been putting be on there force insurance, then i recieved a letter from another lawyer that class action suit because wells fargo was getting kick backs putting home owner on there lpi, i also dont understand, wells fargo has to follow investor guideline, when i thought they have follow hud guidline not investor guidelines,, not to mention my credit has been forced to be ruined because, the bank continues to not give a modifation, i meet the guidelines, and XXXX was never my investor at the beginning, up until recently my mortage note was under supeior mortage, so there for the foreclouser wasnt done the rightway, and wells fargo told me if i want a modicaftion i would have not pay my mortage, and beside my hardship i qualify for modifcation, and i want the bank to review my paperwork and my finainal have changed for the better, i am XXXX my XXXX they have caused me to get sicker and alot XXXX,, all my XXXX, i found out my taxes havent been paid for a year and i can fax you the proof,, when the bank came into agreement with home program i have sent in XXXX tht there holding,, the bank to not act ethical and accomdate a XXXX women, according to my doctors i could very well have another XXXX due to the over wheliming stress.which i can provide proof of my condtion, this isues with the house please reslove it, i also have a son that on a XXXX at home, and me being stressed around, thank youXXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Bank has charged my business account for QuickBooks service without my permission. I had subscribed to this service on one of my business accounts. I subsequently closed that account. 
Without notice to me or any specific permission from me, Wells Fargo began billing for their QuickBooks services on a separate account. I never asked for this service on that account and they claim that my consenting to the service on one account constituted consent for any other account which I had open.

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 2015-11-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I have a loan out with Navy Federal Credit Union that has been awarded to my ex-spouse in our divorce proceedings that is still showing on my credit report. I have offered multiple times to provide them with a copy of the decree, but they were unwilling to accept it. This is adversely affecting my credit score and history and I would like to have it removed. The account has been charged off because my ex-spouse has refused to pay since 2013.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I opened a checking account with Wells Fargo and was told in order to open a new account I would have to open a savings account with {$25.00}. So I did this. A few months later I noticed that my balance had decreased. Wells Fargo had been taking a monthly service charge. 
I had not been informed of any service charge at all on my new savings account when I opened it. I called Wells Fargo and they agreed to reverse the service charge but I had to comply with XXXX of XXXX options so I would no longer have a service charge. The option I chose was to main- tain a {$300.00} balance. I transferred {$300.00} to the savings bringing the total amount to {$320.00}. Today I noticed again they took out a service charge even though I was compliant with the rules. I am so tired of Wells Fargo sneaking fees from me. They have done this years ago to me only our balance was {$1000.00} but since we had no activity for 12 months so they service charged us. We also were not aware of that rule.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We got behind in our mortgage last year when I lost my job. I was told we did not qualify for a loan modification payment plan because our debt to income ratio did not qualify. We got back on our feet and paid the current payment but still had a past due balance. Again asked Wells Fargo if we would qualify for loan modification and was denied because we are no longer in hardship. But we had better debt to income ratio. We also have a VA loan and they did not tell us about any government programs that may have helped us. I was told because we have a VA loan it is a guaranteed loan and they can not work with us like they can with other loans. We are starting bankrupsy now to save our home. Our lawyer told us about a government program that may negotiate with Wells Fargo. No help from our bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealer Services has continously overcharged for the auto loan on my 2006 XXXX and kept me uninformed about details of my loan and its terms. 

1 ) I just found out from a wells fargo dealer services representative that I was assessed/enrolled in comprehensive auto insurance through the Auto dealer XXXX at the time of the purchase as part of the reuirement to qualify for the loan..At the time of the purchase I was not informed of this requirement. I was alo asked to get a second comprehensive insurance for the duration of the loan which I also purchased independently. In essence I was asked to carry XXXX insurance policies on the same auto. 

2 ) In reviewing my loan payments it appears my interest rate on the loan was raised without any notification. Wells Fargo Dealer Services reps have been extremely rude when inquireing about my loan issues and very uncorporative with information about the details of the loan and its terms. 
3 My car was reposessed after only one month late on my loan payments. Fees and charhges for repossession, storage and penalties appear to be excesive. 
4.Wells Fargo continues to charge for auto insurance ( wells fargo insurance ) even though I have comprehensive insurance on the my vehecle and have notified them of it. 
. 
If and where there have been deliberate overcharging and exploitation I want a refund on the overcharges and excesive fees.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
XX/XX/XXXX, I was the victim of an elaborate scam - wherein I was hired by a company named XXXX XXXX to complete work by cashing a casheir 's check at my bank Wells Faro, and redirecting this cash by sending a XXXX to another XXXX provider. I had no idea this was a scam, as it was a very valid looking cashiers check that would be cashed, so valid that the bank cashed XXXX of these checks. Only to later find out that this was an invalid account, a bogus cashiers check and a fraud. However, Wells Fargo held me responsible, rather than their employees for cashing and my account was debited in those amounts {$1100.00} and {$2300.00} - Which, I must add had been reported as fraud to several agencies. 
Fast forward to XX/XX/XXXX I am a struggling graduate student trying to pay for coursework, and my sister sent me a check for {$1000.00} to help. I went to Wells Fargo on Saturday XX/XX/XXXX, to cash the check upon which it was drawn, ( I might add my sister has been with Well Fargo since XX/XX/XXXX ). 
When I went in, I was approached by their personal bankers to avoid a fee to cash this check, would n't I like to open a personal checking account to avoid the fee 's I briefly explained that I do n't think i would be able to since the last problem, ans was assured that things have changed and we could try. So, I acquiesced and lo and behold I was approved to open the account, which we did and was given an instant debit card, which I used that evening. The personal banker was to be in touch on Monday, and she did never mentioning this old account. I went to use my card on XX/XX/XXXX and it would n't work. So, I went into the bank first thing XX/XX/XXXX and received another instant debit card, it still would n't work, upon return to the bank this time, I was informed they would n't be able to issue another debit card, and in fact would be freezing those assets for this old account as past due monies. Which, I never accepted or reaffirmed this debt in any way - in fact maintaining both I and Wells Fargo Bank had been victims of fraud. 
Now, Wells Faro has directed me that if I call to make a payment plan with the loss prevention team, they will THEN decide after making this payment arrangement whether to refund all, part or none of the deposited amount remaining which is {$780.00} - I feel like this is a form of extortion, and furthermore - I feel that it was very deceptive. Please also note : My sister who is on limited income due to XXXX, out of the goodness of her XXXX was loaning these monies to assist me to complete my XXXX, and really does not have this kind of money to pay an old bill of mine, nor to just chalk up to a loss. 
If there is any way in which your agency could assist me to at least get these monies back to her - it would be greatly appreciated.

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 2017-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Our numerous requests to Wells Fargo Bank for reimbursement of funds held by the Bank after our successful request to close our account have been ignored, this included a letter to The Board of Directors sent on the XXXX XXXX 2017. 
I include attachments of mail XXXX and Certificate

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 2016-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i originally opened a checking account with XXXX XXXX. XXXX was bought by Wells Fargo. the terms of the account was that it would be a free account. once again, Wells Fargo is attempting to change the terms of the account and charge basic fees for me to remain a customer. there is no address at which to file a complaint. there is no email address. i called. the rep had no power to do anything. i requested a response to my complaint, in writing. have heard nothing from Wells Fargo.

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 2016-05-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargos teller deposited a check made payable to me into a dealerships account without my notice or my signature. Please see the attached letter that I have sent as a final means of communication to Wells Fargo to stop the harrassment, roughly 10-15 calls a day and anywhere from XXXX-XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
My husband and I put an offer on a new construction home by XXXX. They have an affiliate lender Advisa Mortgage. I did a pre-qualification on their website while I was rate shopping to find out what their interest rate was. When we decided that they had the favorable loan term I did a joint loan application that included my husband 's information. 
Advisa Mortgage had sent loan document for me to sign based on the pre-qualification I had done. I initially refused to sign the documents because the application information on there was preliminary and not a complete picture of my debt situation. The Loan officer however sent me an email stating that by signing the documents I was not agreeing to what was on there I was just acknowledging that I got the documents and he needed it signed to unlock the loan record. So I signed. After he looked at our joint application he decided that our debt to income was too high for us to be able afford the house and to be approved. We told him that if that is the case then we do n't want the loan. We proceeded to tell the seller that our debt to income was too high and we ca n't get approved for the loan. Advisa proceeded to tell the seller that because most of the debts were in my husband 's name they can approve the loan if they take my husband off the loan and do the loan just in my name.they can approve it that way. The seller then stated that we would forfeit our earnest money if we do not get the loan that is just in my name as was being offered by Advisa. We feel like this is predatory lending on Advisa 's part because they clearly know that there is these debts that are in my husband 's name that I am still responsible for but they are forcing us to remove my husband from the loan as a way to hide my debts and approve a loan so they can get commission from the loan as well as collude with the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We had taken out loan with Wachovia and then Wells Fargo took over account. At the end of the time we thought we should have paid off our loan we learned they had attached a insurance coverage of our house in case we somehow did not have it covered. In the end they waved the fees and the several dollars but I thought it was very sneaky in what they were doing. Some if they had not invested the situation would continue paying twice for insurance on their house because they house loan was not paid off.

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 2016-03-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Made a $ XXXX+ payment on my line of credit ( LOC ) via a direct ACH transfer from one financial institution to Wells Fargo ( WF ) on XXXX XXXX. The funds came out of my account at the sending financial institution on XXXX XXXX. Wells Fargo credited the payment to my account ; however, seven days later the LOC is still holding that $ XXXX+ as unavailable. 

I called Wells Fargo to have the hold removed. Was advised that because of the high dollar amount, a 14 days hold was put on the account. Yet there was a way for the hold to be removed : if I have the sending financial institution send a confirmation of the funds being sent on its letterhead, WF would remove the hold within an hour. 

This solution does not sit well with me as it puts the burden on the customer - me - to facilitate communication between the XXXX financial institutions. Why do we in the USA have a banking system with clearinghouse capabilities if the customer is being asked to handle such functions. I feel that WF should have reached out to the other financial institution if confirmation was required. [ It should be noted that the WF customer service associated confirmed that WF had received the funds. ] Also, why hold the LOC for 14 days if the hold could be removed within an hour with such communication? 

As of today, the LOC still has a hold.

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 2016-08-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I AM ATTEMPTING TO PAY OFF MY MORTGAGE - LOAN NUMBER XXXX - XXXX XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX. WE NEED TO LOCATE THE MORTGAGE SO WE CAN ACQUIRE THE EXACT PAYOFF AMOUNT SO WE DO NOT MAKE ANY MISTAKES AND THAT THE MORTGAGE IS PROPERLY CANCELED. THE XXXX XXXX XXXX XXXX WILL HAVE ALL NECESSARY INFORMATION REGARDING THIS PARTICULAR LOAN THAT WE NEED - THE XXXX TRUST, THE REPURCHASE DATE AS PER INVESTOR REQUEST, THE CURRENT LOCATION AND ANY DOCUMENTS OR INFORMATION SURROUNDING THE REPURCHASE AND TRANSFER WHICH TOOK PLACE. WE HAVE ATTEMPTED SEVERAL TIMES TO GATHER THIS INFORMATION DIRECTLY FROM XXXX XXXX HOWEVER THE SERVICE HAS BEEN FRAGMENTED SO WE HAVE HAD TO RESORT TO USING THE CFPB IN ORDER TO DOCUMENT THIS IMPORTANT REQUEST FOR INFORMATION AND DOCUMENTS REGARDING OUR MORTGAGE REPURCHASE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a Wells Fargo VISA credit card for several years. In XX/XX/XXXX, I was unexpectedly laid off. My girlfriend at the time had developed XXXX and was unable to work.So without my job we were unable to pay the rent and were evicted. The Wells Fargo credit card was close to the {$600.00} credit limit, but I was continuing to make the minimum payment or a little more each month. In XXXX my credit card was suddenly almost {$100.00} over the credit limit. When I reviewed the charges online, I saw that Wells Fargo had approved {$100.00} for XXXX renewal. I immediately called Wells Fargo Credit Card Customer Service and asked that the charge be reversed, since they had authorized it despite the fact that it would put me over my credit limit. I spoke with several people, including " supervisors '' who told me that because I had an " ongoing relationship '' with XXXX they were justified in approving the charge and they refused to reverse it. When I was unable to pay the minimum {$120.00} the next month because I was still unemployed, Wells Fargo began to add late fees, overlimit fees and penalties to the amount owed, making it impossible for me to get caught up on the charges. Had the XXXX charge been reversed, I would still have had enough to continue making the minimum payments during those months. At some point the credit card was closed and put into collections. When I finally got a job in XX/XX/XXXX, I contacted Wells Fargo Credit Card Customer Service again to set up a repayment plan. I was assured by the agent that once I had paid off the amount owed ( about {$1000.00} by then ) the card would be re-opened. However, once the amount owed was paid the card was not re-opened. I was told that because of my prior poor payment history I did not qualify for a Wells Fargo credit card. 
When the CFPB reports of the illegal actions by Wells Fargo employees were reported a few months ago I called a special phone number Wells Fargo had to report suspected actions by its employees. I called and related the above and asked that my credit card be re-opened. I was told that my issue was not related to the CFPB reports because no account had been opened in my name. Therefore, I am filing this complaint with CFPB. Perhaps there is much more to investigate at Wells Fargo?

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 non-monetary relief