vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is refusing to honor its recent agreement with the CFPB. I submitted a claim to Wells Fargo on XX/XX/XXXX for {$24.00} in fraudulent service fees ( letter attached ). Wells Fargo refused to refund the service fees ( XX/XX/XXXX attached ). Their reason was they were not notified within 30 days. I had sent them written PROOF with my XX/XX/XXXX letter that I notified them within 30 days. They just ignored it. The PROOF is attached. Service fee XX/XX/XXXX. My WRITTEN complaint attached is XX/XX/XXXX THIS IS WITHIN 30 DAYS!!! Please get Wells Fargo to stop ignoring written proof that they were notified within 30 days. They are a corrupt bank and will make up any lie to avoid paying back the customers. In my opinion, the Wells Fargo employee should named XXXX should be investigated by the Department of Justice and sent to JAIL ( along with ex President of Wells Fargo XXXX ) for being a part of this SCAM!!! Wells Fargo opened a type of account I did not want. I was told no service fees. Here is their SCAM : since I did not use my debit card for 6 months they cancelled it and started charging service fees because I then did not have 3 linked accounts. Then they refused to refund the fees even though they were notified IN WRITING WITHIN 30 days. This is a deceptive business practice and a complete SCAM designed for Wells Fargo to make money off customers collecting service fees that they caused to occur. When I opened this account, this trick of Wells Fargo being able to cancel a card and then my owing service fees was never disclosed. According to what I read about the CFPB fine for Wells Fargo, customers who received types of accounts they did not want are entitled to a refund of the service fees. Wells Fargo is still refusing to refund the service fees and ignoring its agreement with the CPPB. They owe me {$24.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We originally got our mortgage with XXXX bank the pic a payment mortgage which is a XXXX loan.. we bought our home in florida XXXX 2005,, there are class action law suits and then it switched to wachovia and then to wells fargo, we are in pre foreclosure and hired a company to do a criminal investigation and they found crime and fraud in our loan and also they fraudulanty signed my husbands name to the rein carnated XXXX closing statement he was not even at the closing, ,it was only me.. he was in XXXX for the closing.. there is no assignments of mortgage and wells has no proof they hold the mortgage but yet we are in pre- forclosure and i know they foreclosed on so many homeowners illegally.. we dont want to be a victim like so many.. how can you help us

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 2016-07-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Last year I was solicited for a bumper to bumper warranty product from what turned out to be XXXX different companies that were both charging me for an un necessary warranty on a car I am leasing that has a full factory warranty in place. 
I would like a refund as both companies mis represented the facts to me claiming that I could n't use the other and ended up both charging my credit card. 
I eventually changed the Capital One Card number to avoid additional charges. 

I would like assistance in obtaining refunds from these XXXX companies who I feel turned out to be scam. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ Both companies were charging my card for {$110.00} and {$200.00} for roughly 8 months each. 

They were charging my Capital One Credit Card. 

I am XXXX and my son recommended that I reach out to the CFBP to help me in sorting out this mess. I do take some responsibility for providing my credit card, however I feel they mis represented facts and confused me and I didnt realize I was getting charged by XXXX different companies for many months. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Since the government has now changed the rules regarding transfers of IRA 's from one financial institution to another in deference and accommodation to the banks, it has become much more cumbersome and time consuming to accomplish this task. It has taken XXXX months to get {$87000.00} from Wells Fargo to XXXX XXXX. It was only my irate phone call to XXXX this morning that the money was miraculously " found ''. When we were allowed to pick up the check from one institution and deliver it to another, things always went smoothly. THE NEW SYSTEM IS NOT WORKING AND IS DESIGNED SO THE FINANCIAL INSTITUTIONS CAN LOSE YOUR MONEY FOR A MONTH AND A HALF AND THERE IS ABSOLUTELY NO ONE YOU CAN SPEAK TO THAT CAN GIVE YOU DEFINITIVE ANSWERS ON ANYTHING, UNLESS YOU WERE WILL TO SUBMIT TO THEIR EXCESSIVE FEES FOR ELECTRONIC TRANSFERS. PLEASE HELP CHANGE THIS SYSTEM BACK TO THE WAY IT WAS!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After 10+ years of banking at Wells Fargo they closed my account due to a " business decision ''. Meaning, a relative gave me a check and it bounced because she did n't have enough money in the account and they had to return the check, so they charged me {$12.00} and closed my account. They never gave me any warning or alerted me. I was told in the branch they would send me a letter explaining everything and a letter was never received. Additionally, they will not allow me to access the money in the account, which I desperately need to pay bills, causing over {$200.00} in late payment charges. After calling multiple times and being transferred over XXXX times to different departments I never got an answer. After closing my checking account and freezing my money they subsequently closed my credit card causing multiple declined purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello there, I took a student loan from Wells Fargo in XXXX for XXXX degree of my son, in total amount of {$49000.00}. The interest rate was % XXXX fixed for about 15 years. From that time up to now although my monthly minimum payment had been always too high, I have never been late and there was no defult. I have regurarly paid by now and the current balance is {$31000.00} with minimum payment of around {$350.00} per month. 
From 3 years ago, when my spouse lost her full time job, I have started negotiating with Wells Fargo to refinance this student loan or lower theinterest rate or increase the remaining period to reduce the minimum monthly payment amount because it is very hard for me to pay. Any how, not anly they never agreed, but they fritghtened me that they may increase the interrest, while the intereset is supposed to be fixed!! In this case, may you please advise if there is a solution? May you convince Wells Fargo to exened the remaini re-payment period to 15 years from now keeping the same interest rate? 
Thanks and best regards, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I HAVE DEBT ON MY CREDIT REPORT FROM WELLS FARGO STATING THAT I OWE THEM {$270.00}. THE PAYMENT STATUS IS CHARGE OFF.HOW CAN THEY CHARGE OFF SOMETHING I NEVER KNEW I HAD WITH THEM. I HAVE HAD AN CHECKING ACCOUNT WITH THEM AROUND THE SAME TIME. IM UNSURE OF WHAT TO DO AT THIS TIME.

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
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrated Recovery Services
State: NV

Complaint narrative:
Received a call from Integrated Services at XXXX. I can not recall the mans name but, I was told I owe this debt for a payday loan back in 2014. I said okay, send me proof the debt is valid and I will work on paying it. he said why do I need paperwork? and proceeded to call me a XXXX and then hung up. I have also received calls from them at my work number as well. Please stop these scammers!

Company response to consumer: Closed
Consumer complaint received 2015-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I currently bank with Wells Fargo and have several accounts open with them. Recently checked my account online and seen they charged me XXXX overdraft fees of {$35.00} each. Now given that I have overdraft protection on my accounts, they did not waive the fees for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint is to address Well 's Fargo 's ( WF ) UNLAWFUL FORECLOSURE & DISCRIMINATING decision re XXXX/XXXX/XXXX auction of my property at XXXX XXXX XXXX, XXXX, CA XXXX. Sold $ XXXX/valued at $ XXXX/owed {$290000.00}. WF failed the California Homeowner Bill of Rights by not assigning a POC prior to auction on how I can qualify for re-modification. DISCRIMINATION : Day before the auction WF had receipt of Buyer 's Contract ( RPA ), HUDI, XXXX printout, house listing agreement & did n't contact Realtor to discuss further. My Realtor was denied this sale for her livelihood & sale could have been delayed 30 days for XXXX document needed per WF. WF rejected Realtors house offer & disregarded at age XXXX, that sale would replenish my depleted & penalized 401K used to keep mortgage current after my XX/XX/XXXX layoff. My realtor showed how I did quality to make mortgage payments. WF failed to assign a POC & I was the liason between WF XXXX XXXX Attys office & WF corp. office because phone number for mgr " XXXX '' was not permitted, always a different WF Rep for each call. I was repeatedly told a job & paper-trail was required for a re-modification & my realtor showed me that my social security, renters & family assistance qualifies me. WF emphasized I needed a JOB and PAPER TRAIL since I had neither, assumed I did n't qualify. WFs response to the first CFPB complaint was that her research was to determine if WF handled the foreclosure wrong, not to freeze the sale. I want my house back after my Realtor educated me on how I DO QUALIFY FOR A RE-MODIFICATION without employment.

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 2015-05-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: J.S Resolution Group, Inc.
State: SC

Complaint narrative:
I was contacted by a representative from J. S. Resolution, saying that I owed a debt that was several years old. I had never heard of the payday loan company. They claimed they had the check, and it would be returned to me once I made the payment.The representative was rude every time I spoke with him. I was trying to get as much information as possible to make sure I was doing the right thing. Now that I have paid it, he said that the judge has the check, and I opt out of getting it back because I did n't take it to court. What proof do I have that this check would not come up again, he did n't have an answer, and became exdtremely rude. Because I called back and questionsed him, was I guess another reason for his rudness. I paid it. I just want proof that this same check does not come up again. If I have done wrong, I took care of the matter. Because I asked questions is no reason for the rude behavior. He was uppose to be a professional.How do I get the check back?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
My wife applied for a loan estimate on my behalf at FBC Mortgage , LLC. They demanded additional documentation ( pay stubs, XXXX, tax returns, drivers license, bank statements, college diploma, educational transcripts ). She provided all documentation, and finally 2 weeks later, they sent an unofficial estimate ( " Pre-Application Worksheet '' ) that states : " Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. '' Also, the document had an incorrect purchase price and loan amount, and the property address zip code was about XXXX miles off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I live in a townhome and the home next to mine ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) has been abandoned for several years. The lender on that property is Wells Fargo and they have not completed the foreclosure process on the home. The problem I am having is that the home next to mine is uninhabitable and needs a new roof. Every time it rains the water from next door comes in through the party wall and floods my home. Sometimes I have had about XXXX inches of water running through my living room. Needless to say the dry wall, most of my cabinets and furniture have been ruined. I do not have a water heater because it was damaged with all the water coming in so my XXXX sons and I have been taking cold showers for months now. I also fear that mold is growing in my home. 
The same thing is happening to the neighbor on the other side of this home. We have tried contacting the bank and spoken to reps of the bank that have come to check in on the property all to no avail.

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 2015-10-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I legally settled a credit card account with Wells Fargo Bank on XXXX/XXXX/14. The balance at time of settlement was {$13000.00} and I paid, per our settlement agreement, {$6700.00}. The amount they subsequently wrote off was {$6700.00}. I have attached a Satisfaction letter from Wells Fargo as proof that the account is fully satisfied, however, Wells Fargo continues to report a balance in the amount of {$6700.00} for this account to my credit report at all XXXX of the major credit reporting agencies XXXX XXXX XXXX. Obviously this is harming my credit significantly. I have disputed this account both with the credit reporting agencies and, subsequently directly with Wells Fargo but they arrogantly do not respond to me with explanation and continue to reporting this balance, even though they clearly know they are reporting in error. To my understanding, this is a blatant violation of the Fair Credit Reporting Act. I have also attached the XXXX letters that I sent directly to Wells Fargo, informing them of their error in reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
my mortgage statement indicates my payment increased from $ XXXX to $ XXXX in two months, how is this possible and there is no way I can pay that amount. I need answers and I have not been able to get my IRA transferred to Wells Fargo to pay the negative escrow balance of $ XXXX. I am so confused and do n't know why the bank is hurting me so bad. I originally purchased this home for $ XXXX and now their trustee that I do n't know and have not been able to talk to, has my mortgage payment up to $ XXXX and they say my home is being taken away from me today. I do n't know who is telling me the truth and I do n't know why I ca n't get any help. I ca n't take it anymore! I have lost my wife, kids, home, job now and I have nothing left to live for. Please tell them not to take my home and help me get my retirement transferred over to them to pay their fees and add on charges. I know I ca n't fight the big bank but I have been trying to beg for help since 2011!

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 2015-11-11 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 Bank is attempting to collect a debt in violation of both TILA and RESPA, in accordance with Section 131 ( f ) of the Truth-in-Lending Act, 15 U.S.C. Section 1641 ( f ), and the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) and FDCPA pursuant to 15 U.S.C. XXXX. ( See Attached QWR and TILA Demands to Wells Fargo Bank , N.A . ) Wells Fargo Bank must comply with my TILA and RESPA demands in order for me to effectively appeal the denial of my loan modification request as Wells Fargo Bank has issued a boilerplate " Proprietary Step Rate Modification '' denial letter without any details from which to understand the basis of their said denial, nor do they provide any documentation to validate that Wells Fargo Bank , N.A . actually owns the debt. 
Specifically, I am in dispute as to the identity of the true owner of this debt ( if any ) Wells Fargo Bank 's authority and capacity ( if any ) to collect on behalf of the same. I am also in dispute about the proper application of payments from the debtor to interest, principal, escrow advances and expenses ( in that order of priority as provided for in the loan instruments ) ; about Wells Fargo Bank 's use of automatically triggered property inspections and broker price opinion charges and fees based on undisclosed accounting for purported arrears ; and about legal fees and expenses that have been attached to my account but that have not been otherwise explained, disclosed, or established to myself. 
To independently validate this debt, I need to conduct a complete exam, audit, review and accounting of this mortgage account from its inception through the present date. I would like Wells Fargo Bank to validate this debt so that it is accurate to the penny. 
I also request that the Consumer Finance Protection Bureau kindly conduct its own investigation and audit of this account since its inception to validate the debt Wells Fargo bank currently claims I owe them as Wells Fargo Bank has blatantly violated the CFPB 's rules and regulations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I financed a car through Wells Fargo Dealer Services XX/XX/XXXX. The car that I purchased was wrecked and totaled XX/XX/XXXX. I informed Wells Fargo of this and was advised that would freeze my account and all I had to do was wait for insurance company and Gap to pay off car. XX/XX/XXXX after Wells Fargo sent false information to the credit bureaus stating that I had not made a car payment since XX/XX/XXXX. I called Wells Fargo and they denied this in the beginning. Then they stated that since Gap insurance ( a subsidy ) which is affiliated with their company covered all except {$800.00} that put me in default on the loan and showed where I have not paid. I advised Wells Fargo this is not what I was told, I was told that I would be okay and my credit would not be affected. I sent information into Wells Fargo and was told that it was my fault and problem and there 's was nothing they could do to correct it because I did n't pay. I have sent several email as well as reported this institution to XXXX. Wells Fargo has reported to every bureau stating that I defaulted on the loan since XX/XX/XXXX and this has been reported every month up until XX/XX/XXXX. Wells Fargo stated they called me on XX/XX/XXXX and advised me of the default and I told them that is not true and I do n't like being lied on. I also said since you 're stating you called me pull the call because calls are recorded so pull the call. Wells Fargo have lied and destroyed my credit as well as my credit score. They try to attach a document showing where my insurance had lapsed in XX/XX/XXXX with XXXX but failed to mention that I was paying insurance through them which paid the car off. The car has been paid off yet they are still reporting that they have n't received payment. I advised them that I wanted this corrected on my credit report because this is not true, I never missed a payment. I also shared with XXXX that i was unable to get into my account after I reported that the car was wrecked and Wells Fargo said it was because I was in default and therefore I could not see any information regarding my account. This institution is very corrupt and I told them I will fight this because they lied to the credit bureaus and they are lying stating I was informed and advised that I would default on a totaled car while waiting for insurance pay off if I did not make payments. This is unacceptable and this is a practice that they are accustomed to doing. They provide false information and then blame the consumer. I would advise everyone to steer clear of this banking institution because they have no morals. They are very devious and deceptive with customers and they report false information.

Company response to consumer: Closed with explanation