vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage sold my home loan without disclosing that they were selling it as required by California State Law. In addition, I missed a payment several years ago that I could have made if I Wells Fargo had informed me I could use my impound account to make that payment. They intentionally kept that information from me in an attempt to foreclose on my house because I had a large amount of equity established in the property. I met with them at a loan modification meeting arranged by them some time later, and asked them to take the XXXX payment I missed and put it on the back of my loan. They refused my request for a loan modification by stating that I was not eligible for that process. They charged me for an appraisal however that they never told me they were ordering and added the charge at the close of my escrow in XXXX. 

At the close of my escrow recently, Wells Fargo collected XXXX for alleged late payment fees, but refunded the money a few weeks after close of escrow. They explained in a letter that they had collected the late fees in violation of California State Law and were refunding the money with their apologies. 

With those fees refunded I was never charged a late fee by Wells Fargo during the entire duration of my mortgage. When I applied for a mortgage to purchased a new house, I was informed that Wells Fargo is reporting XXXX " thirty date late '' payments on my previous mortgage with them. That reporting has destroyed my credit score, and is preventing me from obtaining a mortgage now. 

So Wells Fargo intentionally withheld information that would have prevented me from missing the XXXX payment I missed in the XXXX years I had a mortgage with them. They refused to help by modifying my loan. They sold my loan without advising me, which violated state law. Then they report XXXX " XXXX day late '' payments on my mortgage when they never charged me a late fee. When I ask them to correct their reporting they refuse and added a statement to the reporting which further damages my credit score. 

This is the worst example of Banking Industry misconduct that I have ever seen. Wells Fargo did whatever it wanted to do without regard for law or human decency. They started off by trying to steal my house, and when that did n't work they punished me by trying to ruin my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have sent numerous letters and made numerous telephone calls of complaints to Wells Fargo Financial National Bank in regards to my XXXX Account : XXXX and receiving defective furniture from XXXX XXXX. My issues still has n't been resolved as of today. I been attempting to resolve the my issue with Wells Fargo Financial National Bank and XXXX XXXX for almost 1 year now.

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 2016-07-08 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
A fraudulent transaction, in the amount of {$42000.00} was authorized for payment from a savings account at Wells Fargo Bank. The " pending '' transaction description detail " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' was noticed after logging into mobile banking on the morning of XXXX XXXX. At the same time it was also discovered that XXXX other transactions posted as ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX were posted on XXXX XXXX. These transactions were not authorized by the account holder. 

I contacted Wells Fargo who submitted a claim and attempted to put a hold on the pending transaction but was told that the funds were gone - I know this is incorrect since the daily processing had not yet occurred. I inquired as to how it is that a transaction of these amounts on an account that has never been authorized to do business with either of these companies / individuals would not be considered suspicious. I raised my concerns that XXXX and other regulations were not being followed with appropriate fraud monitoring. I was told that since someone had intercepted the routing and account numbers there was nothing they could do. I informed them that I was n't sure how I could trust Wells Fargo to act as a fiduciary of my accounts if this kind of activity could occur without monitoring. I also informed them that I recently opened a HELOC with Wells Fargo where I was asked to provide this savings account statement for underwriting purposes. I contacted XXXX but was told they would not do anything until Wells Fargo contacted them. I contacted XXXX XXXX XXXX, XXXX but as of the submission of this complaint was unable to reach anyone. 

My complaint is around non-compliance with XXXX, fraud monitoring and information sharing.

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 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Ok well i have complaint on file against Wells Fargo home mortgage, this update is an addition to what has been updated. We hired XXXX XXXX to represent us and submit for approval of modification. All our income documents are in place and were submitted properly. Apparently now Wells Fargo is lying about our actual monthly income.. They are lying and just denied us for income.. They are criminals they changed our monthly income on their own they have no right to state we make less than we do monthly!! They denied us a modification, It was denied under fraudulent changes that they decided to do., Our income qualifies us!! Our attorney just put appeal with them!!! Wells Fargo deserves to be shut down!! how dare they lie and change our monthly income.. I believe they have complete idiots there that do not comprehend how to figure income since ours is from more then one source. Our attorney even submitted with the breakdown of our monthly incoome!! Someone must stop them from lying and trying to decline us once again!! this must be brought to the media! I reported this situation to congress and other agencies! who will get this horrific company to stop trying to lie to foreclose on 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 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Account with Navy Federal Credit Union. I have asignature loan and also a car note with Navy Federal credit union. I amfiling this complaint because I need help and I truly want to getback on track with NFCU and prevent my car from being repo. Iseparated from the Navy XXXX 2014 due to medical related issues. I hadinsurance on my signature loan and when I separated NFCU stated theinsurance was taken off due to me not signing my promissory note whichwas not correct. After months and months of going backwards andforwards and me doing a XXXX complaint it was discovered by NFCU I didsign the note and they reinstated my insurance. I filled out the claimand was told that the insurance was removed again due to none payment. 
I requested to NFCU that they correct the late days due to it being nofault of my own and was told that was not possible so my loan wentinto default. I was paying my car note every month ( Loans/support fromfamily and friends ) and 90 days ago I went into the NFCU branch andthey refused to take my payment. I called NFCU and was told I mustcontact a third party company to pay the loan. I contacted the thirdparty company and explained my situation and I was told he personallyknew the lead for collections and he would talk to her and help me geteverything back on track. To date no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: PR

Complaint narrative:
HI : I am XXXX XXXX XXXX I had XXXX accounts on XXXX they were open it on XXXX XXXX XXXX ( Num. XXXX ), and XXXX XXXX XXXX ( Num. XXXX ), my issues are On XXXX XXXX XXXX my financial institution ( XXXX XXXX XXXX XXXX ) notified me by mail, about some irregular transactions made, on my visa card, from ( XXXX or XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), causing me problems with my credit, credit line, credit score and my piece of mine. 

The issue that I have now with, ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) is the account ( Num. XXXX ) has been send to a different debt collection company name, ( AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Who is billing me {$460.00}, basically is the same issue stated on my first Complaint with the case number XXXX, on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), resolved in my favor, Please help me with ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) from their continues harassing. 
I am summiting again the document, that include in detail the unauthorized transactions and the step taken so far, from my financial institution ( XXXX XXXX XXXX XXXX ) and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a business checking account with Wells Fargo. On or about XXXX XXXX I deposited {$60000.00} in checks from my customers of which {$15000.00} were returned. The bank on XXXX XXXX put a hold on my account and since than they are not telling me when they will release the balance {$45000.00} in funds. I call every day at XXXX XXXX XXXX and all they say we have no update and we do not know when these funds will be released. I am a small business with payroll and expenses to meet. Please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Deposited a cashiers check to Wells Fargo from XXXX on XX/XX/2016 Received email on XX/XX/2016 staring the funds were going to be held until XX/XX/2016. Called Wells Fargo and they stated that the person that account held had returned checks..impossible as A ) Its written on the XXXX Account..NOT my husbands account. B My husband does n't have checks..the whole reason that required us getting a cashiers check.

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 2017-03-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have contacted the lender and asked to refinance my high interest rate personal loan. The loan has been paid timely and is not delinquent. I have had a change in income and my husband is now unemployed. The lender refused to renegotiate terms with me including a lower interest rate so that I can remain current on the loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My house is in foreclosure : I 've applied to do a short sale & have been ignored-now I 'm getting notices from the local sheriff 's dept.I was informed I could do a short sale : I started the preliminary process but, as per usual with BOA , the CSM changed & did not call.I called the numbers I had but my account was not in that dept. & I was n't given the option of speaking to anyone or leaving a message.Im frustrated & extremely stressed.Ive tried, to no avail, to get a loan modification.Now, I 'm just trying to do the right thing by selling the property, so BOA gets their miney & I can start over with my sanity intact

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am slightly behind on a car payment to Wells Fargo Dealer Services. I am the owner of a business and I use the car primarily for the business. WFDS has been calling me at my business number and filling up a voice mail box that is used for sales & support and is checked by other people. Even though they do not disclose who they are, people can XXXX " Wells Fargo Dealer Services ''. It has undermined my business in that people are concerned they may not get paid and word has gotten around to several of my investors who may be looking to pull out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I was informed by Wells Fargo that a check had been cashed at the XXXX, Florida Wells Fargo branch. It seems that someone had taken an image of a check my wife wrote, created fake checks, and went to Wells Fargo where they cashed the check WITHOUT getting any documents to prove the person 's identity. All Wells Fargo did was check the signature with an old check. The signatures did not match, however, the teller cashed the check anyway. We reported the theft to the XXXX Police department to investigate. The detective stated that Wells Fargo is not helpful in investigations but he would subpoena the bank for the surveillance video. As of XXXX XXXX, 2016, Wells Fargo has not complied with the subpoena. Please see the attached police report. Please force Wells Fargo to supply the surveillance video.

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 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have had frequent problems with Wells Fargo. As a customer of theirs, after the Wachovia merger caused Wells to be my mortgage lender for my XXXX and XXXX mortgages, I have hit brick walls in trying to get my mortgage issues resolved with them. During the XXXX several years I 'd dealt with them, I had no problems. However, after XXXX late payments in XXXX and their still extracting funds from my checking account, I continued to make my payments in a timely manner. In XXXX XXXX, after my Chapter XXXX bankruptcy, I continued making my payments. I never reaffirmed the mortgages as they never approached me about doing so. In XXXX XXXX, they said that as long as I made my payments in the month they were due and the required amounts, the mortgages would continue. I kept my part of the bargain. Then, in XXXX XXXX, when I called to make my payments, they refused them saying they were NOT accepting any more of my payments. I asked why and the rep said it was a business decision. I asked what exactly that meant and even asked to speak with a supervisor for clarification. I was given no information. I hired a XXXX to help me figure out why they did n't want my money anymore. She did n't get very far with them either and I sent them a letter asking if they would reconsider letting me continue to make my monthly payments as I 'd done for XXXX XXXX years in this home. They never responded. I called them to ask about resuming my payments and was told by a CSR that they were n't allowed to speak with me. I let my attorney know and she wrote them a letter saying that she no longer represents me so they might speak with me. I called my attorney and met with her again as well as spoke with another attorney that she referred me to. They XXXX suggested that I file a complaint with the CFPB. I am really frustrated and just need resolution to this nightmare.

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 2016-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was in the final stages of closing on my home- I was locked into a rate of 2.75 % and pre-approved by Wells Fargo XXXX About one week before closing they said we are in level two of approval and it seems you have too many outstanding student loans ( most likely may not be approved ). However, it was never an issue -as I was told because they were deferred for more than five years until I finished my PhD program. I pleaded and wrote a letter indicating my status as a single parent and so on I was told to seek financing else where one week before closing. I did - after paying more fees for a broker and other costs and a rate hike of 3.50 % after purchasing points- more $ $ $ - I closed on my home loan. Within less than a month Wells Fargo bought and owned my home loan. I am not sure what this is called but it was clearly unscrupulous. It felt very bad not only from the aspects of stress and dissatisfaction, the lack of any recourse as I was locked into WF and owed them even more- yet would not want to have my loan there. I asked many questions and asked why I was put through this to reach the same conclusion, yet paying several thousand dollar more in initial fees and thousands more dollars over the life of the loan. The branch manager told me they had just finished training to deal with those of us who were rejected and sent to another broker and then were returned back with WF. I said it must be a big problem if you are receiving this training she stated that many customers were caught- up in this and were very dissatisfied. I was amazed that this was allowed or possible in light of all of the fraud and distortion of home buying in the last 10 years- I believe WF was fraudulent in my pre-approval and rejection- where there was no grounds for denying my loan and repurchasing it to make more money over the life of the loan. My XXXX score was over XXXX and payment history is excellent- this was blatant and unethical as I experienced it. Nonetheless, it is finally apparent there was more to the WF business model than poor judgment and consumer mishandlings as being fleshed out in the latest reports. I am happy I finally get to express my disgust with the way I was handled in the mortgage process. They did give me a reward credit card to earn rewards money towards my purchases for my home at 26 % - talk about capitalistic and opportunistic business. As a single parent with no support I feel like it is next to impossible to create a better life for my child - when too much is never enough for those who squeeze you at every possible chance.

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 2016-10-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We want to pay more than our monthly balance to Wells Fargo so that we can pay it off quicker. They do not give you an option to do that online like they use to. They make you call and jump through hoops in order to do it. Its clearly a strategy to make it hard for people to pay off their student loans quicker so they can make as much money as possible off the interest. On months that we have a little extra money I want to pay more than my monthly balance. They know that if people are busy they will not call to do it. They use to give consumers the ability to pay more online and took that ability away over the past year. 
Please address this issue with Wells Fargo ... .. its seems to be a common theme with them.

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 2016-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Supplemental complaint, re # XXXX. 
XXXX County Recorder 's website shows NO recording of Trustee 's Deed for my property located at XXXX XXXX XXXX, XXXX CA XXXX. The Property is still in my name. 
As told before to CFPB, in my complaint XXXX - the buyer / investor who purchased the property at auction through XXXX on XX/XX/XXXX did not post the Notice of Sale giving me 72 houses to remove my belongings. My belongings were removed by a crew on XX/XX/XXXX using a dump truck. I saw the crew on the property. 

My previous complaint to CFPB demanded XXXX dollars for the illegal seizure of my belongings, failure to post the Notice of Sale giving me 72 hours, and failure to provide me with a list of my belongings that were taken. 

Since the County Recorder website does not show a Trustee 's Deed, BUT only a Notice of Trustee 's Sale - Document Number : XXXX Number of Pages : XXXX Recording Date : XX/XX/2016 Cost to Buy : {$7.00} Add {$1.00} for certified copy : Buy Now Document Type : NOTICE TRUSTEES SALE ALTER CHARITO XXXX XXXX The utter and continuing failure by Wells Fargo to complete the paperwork, means that I am considered by the County to still be the owner of the property. If so, I have grounds to claim that Wells Fargo or its cohorts are responsible for trespassing and illegally removing my personal belongings.

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