vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Unethical billing practices, no resolution. I have counted over XXXX overdraft and/or NSF fees within 2 months. I have decided not to use Wells Fargo for anything and have chosen to discontinue my direct deposit due to them pretty much robbing me constantly. They give you a false account balance and also have payments come out sometimes a week later, when there are not enough available funds in the account to cover, resulting in numerous overdraft fees. They mistakingly charged me a few times and realized the mistake but other than that, they never want to resolve the issues. If the funds are unavailable in my account, why do they continue to let any bill payments or merchants charge me, they let the fee ( s ) go through, then they reject them all the while charging me a overdraft fee as well as NSF fee, this is ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Obtained a car loan with GAP insurance from Wells Fargo in XXXX XXXX, XXXX. The car was involved in an accident and there was a total loss date of XXXX XXXX, XXXX. Prior to this date the account was NEVER late and paid on or prior to the due date. There was also GAP coverage through XXXX ( XXXX ) on this loan with Wells Fargo. During the wait for reconciliation of the loan balance payoff from XXXX XXXX and XXXX ; I made calls EACH month to inquire if a payment should be made on this account during this time because the account was showing " past due '' and late fees were applied. I was told " NO '' each time because the insurance companies had to make final payment. Each month the account was showing past due I called the company and was assured that the account was NOT being reported to the credit bureaus as such. XXXX paid out on XXXX XXXX, XXXX and the GAP insurance was finally processed on XXXX XXXX, XXXX but not applied until XXXX/XXXX/XXXX. This left a balance on the account, after adjustments of XXXX and a loan was obtained through Wells Fargo to pay the this loan balance in XXXX installments. 
Per several conversations with customer service and the office of the president ; I was told that the reason the account was showing at the credit bureaus as being severely late is because the GAP was terminated XXXX/XXXX/XXXX. This does not add up at all. Per my call to XXXX ( Gap insurance ) I was told that the coverage was terminated after the final adjudication of the claim via a letter dated XXXX/XXXX/XXXX. The GAP coverage was terminated after this because the loan was considered closed NOT in advance as was stated by Wells Fargo. 
My calls to Wells Fargo Dealer Services are rerouted and not being handled. I was told to fax information to the Credit Dispute department so they can review the issue but nothing has been done to date.

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 2015-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
We pay our margage to Wells Fargo every month ' it is not showing up in out depts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There is a foreclosure sale scheduled for a loan held by Wells Fargo Home Mortgage. My company owns the property in California which is collateral for the deed of trust. On XXXX XXXX, 2016, I contacted WFHM and requested reinstatement figures per CA Civil Code section XXXX, we are an " entitled party '' by being a successor trustor through foreclosure. The fax documents were sent to WFHM per instructions received from a representative and subsequent calls have been made as well to no avail. 
XXXX XXXX 2016 - Call to XXXX # XXXX he informed me the fax had not been processed yet. and to call back. 
XXXX XXXX 2016 - Called again spoke with XXXX # XXXX - She told me processing time could be two weeks and to try back again. 
XXXX XXXX 2016 - Called again, spoke with XXXX XXXX # XXXX, he said to try back on Friday XXXX XXXX to see if the request was processed. 
XXXX XXXX 2016 - Called again and asked about the reinstatement numbers to stop the foreclosure sale. Spoke with XXXX in BK dept. She said she did n't see the fax was ever received and gave me # XXXX to re-send it to. I did. 
XXXX XXXX 2016, Called spoke with XXXX in collection dept. She said the fax was received and had not been processed by any dept. I thanked her and asked her to let me know who could look at the package and issue figures to stop the foreclosure. She did n't know who could do the processing. 
This leads me to this website to file a formal complaint against WFHM for not issuing reinstatement figures against CA Civil code. We are a successor in interest to this deed of trust and I demand a viable method of reinstating the mortgage which encumbers the Real Property lawfully owned by my employer in California. Please help. 

Loan # XXXX Property : XXXX XXXX XXXX XXXX XXXX CA XXXX Borrower : XXXX XXXX XXXX XXXX . 
Last 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 2015-09-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
During recent visit to XXXX my Debit Card kept being declined, I chalked it up to the merchants processing as Credit as the individuals just stated decline no reason provided, until I returned home to XXXX and received notification from XXXX XXXX and XXXX that payments rejected. contacted Wells Fargo regarding this and they stated that there was a Fraud Hold on the account as I was making a purchase out side of my routine, indicated that I was in XXXX - In formed that is why, indicated that I was in XXXX the previous month and this did not occur and I was not impacted on the use of my Debit Card - so the practice of detecting fraud is not consistent if it hold true to what I was advised, I have now incurred additional costs to per-authorized providers and now I have to go through the process of contacting all my providers to ensure that they have received there payments. The solution I received from WF is that they will provide letter explaining situation and that I would have to call back in to get reimbursement - however no grantee, now due to the inconsistent Fraud Detection practice, I now have to contact all my per-authorized accounts to ensure them that my account is in deed in good standing and that if not already been paid to please proceed and process the transaction again. Do not understand why I should be incurring additional work load as a result of a policy that is not consistent with in the WF organization

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I asked wells fargo to reduce my monthly payment they refused my wife passed away and I want to keep my home.

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 2016-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/XXXX I was a victim of fraud. Wells fargo bank is holding me accountable for fraud done to me thru a XXXX transaction and XXXX fraud check deposited into my account and funds later removed. I have filed complaints as to the fraud commited with bank and a police report. they still cali I did this to myself which I did not! Wells fargo reps have laughed t me over the phone and have reuined my credit closed my accounts and refused to return the money I had in the account and now want me to pay for the debt done to me! I did not use my card at XXXX nor did put XXXX bogus checks into my account. I need and demand action and getting nothing and no help

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 2015-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 log on into Navy Federal Credit Union and found out that they withdrew {$29.00} from my account and they did inform me what check was returned and for amount just return fee then I ask the representative why was n't it indicate on line she stated that do not do post it online they just send notice via United States Postal Service I thought that all transaction should be viewed online and statement they accused me of bounced check they pay via bill pay and they indicate it paid but they indicated if something was not paid they also charge me fee and taken me out of over draft protection which cause the check to be return and which cause me return check fee to XXXX Furniture and Sales I never opt out they have been commending so much fraud I would like them to investigate all banking product and services to ensure proper use of the services are being apply if any Fraud is found all individuals involved should be convicted according to United States Federal Law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX make a payment via telephone to the airline XXXX XXXX, a total of {$260.00} dollars for an air ticket. After the confirmation will come near the airline ticketing, revice my account in Wells Fargo and indeed to check my balance had been reduced by the same amount and stay compliant. 
In this day by checking my bank account I am surprised to see that my balance had risen again and no longer appeared the debit item of the airline. 
Communicate with customer service bank and they tell me that the airline had sent a request for payment, but which had not yet done the same, ie the airline still had not collected this value My concern and complaint is as follows : If payment was not made yet, because reason Wellsfargo debit my account in the day yesterday, today return those funds if nothing had happened???? That even aparace one iten of return????? 
I do not agree or consider legal right or a bank debit our account and use who knows for purposes of our own money when the end has not been collected by the trader who intend to pay. 
In this case, the iten should appear as pending, but never get the value of our own, because in this case I feel that the bank used my money without my consent. 
Worse, the answer customer service bank Wells Fargo has been pesima because they only know how to tell me about my responsibility to know that the customer may return at any time to collect your payment, but do not recognize at any time shared responsibility in these cases it takes the bank, which has deducted and withheld money, without it being paid really

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 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
In an understanding for 'Formal Disputes ' of Bank Transcations with Merchants, only certain Banks file Formal Disputes where as, in the Past if ( you ) did not. Contact the Bank within Days or Hours in receiving a Letter the Bank would impose Excessive Fines and Fees on Top of, Additional Fines and Fees.

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 2017-01-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXX Mortgage alleges a foreclosure sale took place, however, is unable to produce foreclosure sale documents, an auctioneer name, an auctioneer license number. HSBC Bank USA , N.A . and XXXX XXXX prior to these incidents admitted in United States v. XXXX XXXX XXXX ( XXXX. ) that consumer was discriminated against which consumer was overcharged broker fees and rates. Subsequently, XX/XX/2016, XXXX XXXX in the XXXX v. XXXX XXXX XXXX XXXX Case No. : XXXX notified the United States District Court of XXXX that consumer was also discriminated against when the mortgage company charged excessive fees. Upon force consumer was removed her home without proper documents and remain an interested party in the property known as XXXX XXXX XXXX XXXX, XXXX XXXX. Consumer is the legal owner of the land and the land deed is attached. HSBC Bank USA , N.A . plead guilty in a XXXX Federal Court. Consumer invested approximately XXXX into a {$160000.00} mortgage and there have multiple forced attempts by lawyers and judges to sell the property or they will impose sanctions, XXXX. There are threats to destroy her career and continuously hold her property until she signs documents releasing her interest. The consumer is attempting to coordinate removal of the structure at the expense of XXXX XXXX with clear indication of previous and current injuries. Removal of the property still does not release interest as again the consumer invested {$140000.00} into that property and in a separate transaction, the consumer paid {$14000.00} for the land plus other cost and fees in preparation of the land to build the home on. Cost of removal is approximately {$35000.00}. Quit Claim Deeds attached reserves all rights. XXXX XXXX is the proper lender in this matter. However, it appears that the attorney ( s ) are hiding their claim and interest to the property under HSBC Bank USA , N.A . accounts because HSBC Bank USA , N.A . denies consumer has any accounts with the bank. 

Social Services will need to be contacted as the individuals involved has shown a blatant disregard for the care of their children as well as consumers they have come in contact with by evidence of a XXXX complaint in which another consumer was forced into an agreement after these individuals provided substandard services, products, and withheld their funds. These individuals do n't have any legal contracts with anyone.

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 2016-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This is a dispute to case # XXXX and XXXX. Still no answers, and it 's very apparent they are not going to answer and are liars. 
This company preys on minority 's and there continued targeting of them should be labeled as a hate crime. They should not be allowed to execute mortgages or anything else. I have paid in advance, excessive mortgage insurance premium to HUD, with no justification of the amount. A year worth of PMI insurance. Paying excessive property taxes and PMI insurance to drain my escrow account which causes shortages in escrow account. Being retaliated against for exposing the fraud. This company has no respect for the law or the hard working citizens, I hope this case helps others and remember to FIGHT cause the truth will always stand. Just follow the paper work. I did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
In XXXX we became unemployed. We initiated contact with Wells Fargo in XXXX of XXXX to let them know about our situation and asked for any options to prevent us from going into foreclosure. 
Wells Fargo offered us a forbearance program for both first and second XXXX XXXX mortgage loans. 
On XXXX XXXX, XXXX my payments were twenty-five dollars each for both first and second mortgages. 
I 'm contacting you because XXXX XXXX from Wells Fargo was my Point of Contact in XXXX, XXXX. This was the last point of contact I had spoken with. Since then we have had XXXX other points of contact, neither of which have responded to our phone calls, or faxes. We are hoping you can help us get answers to our questions regarding our situation. 
XXXX XXXX told me my first and second mortgages were being combined and that she was handing me off to a new point of contact as of XXXX XXXX. I was unable to reach our new point of contact on XXXX XXXX, XXXX to make my payment. Therefore, my payment was made with a call center employee. 
Another attempt, on XXXX XXXX, XXXX was made for information regarding my second mortgage. Call center employee said payments were being taken for a forbearance program that my mortgage was accepted into, but that they were not applying them due to a lack of signature. I indicated that I would look for paperwork for her to verify, and she said it did n't matter. Since then the Presidents office has contact us about getting this situation amended. To this date nothing has occurred. 
In XXXX of XXXX a modification for only the first mortgage was included and no programs were applied to our unemployment or underwater mortgage situations that would give us financial relief. We were told that there were programs available for these types of situations. However, they extended my mortgage for an additional 40 years. 
Additionally, We noticed in this XXXX XXXX letter that {$800.00} was added and we have no explanation as to where this amount is coming from. 
XXXX we have faxed over questions regarding this mortgage modification as we were instructed to do per Wells Fargo. We have included a copy of the modification agreement and forbearance paper work. 
See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX Wells Fargo charged my account without notice $ XXXXFor 13 Years XXXX sent qualified written request asking Wells Fargo to identifythe components. I got replies as follows " WE have received your inquiry and as soon as our research is complete you will be advised ''. The last received was on XX/XX/XXXX. ( all together about XXXX to XXXX inquiries were sent and each reply was the same - a lie ). 
Please keep in mind, XXXX must approve and agree with all loan modifications.other wise, Wells Fargo would go crazy with the Loan Modifications Wells Fargo has not provided any proof that XXXX agreed and approved or even knew about the amount .posted XX/XX/XXXX. therefore this is not a legitimate .charge. There is no way that on XX/XX/XXXX XXXX knew what to bill 20 months later and would not have approved any charge at that timeThank youRobert D XXXXXXXXXXXX characters remainingYou will get some funny answers. including about XXXX lbs paper saying nothing related to this problem. Just ask Wells Fargo to furnish proof that XXXX approved the chargeto XXXX account XX/XX/XXXX. and furnish proof there off-Thank you vvery much and good luck. 


..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The following shows up on my equifax credit report. 

( Preferred Customer Account ) Account Number : XXXX Account shows open with a balance of XXXX. This was included in my chapter XXXX bankruptcy and was discharged on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Refuse to investigate inquiries that I did n't authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am XXXX XXXX XXXX. My household income is solely based off SOCIAL SECURITY for me and my XXXX children. I am XXXX since XX/XX/XXXX. On XX/XX/XXXXXXXX last known use of all and any type of Internet or Wi-Fi usage for XXXX XXXX. I was XXXX on XXXX/XXXX/XXXX in the county of XXXX. At my residence remained XXXX XXXX XXXX along with my XXXX children. Bank Accounts from me both checking and saving along with XXXX son his Bank Accounts checking and savings were being misuse with out my consent or agree to the transactions occurring on and after XXXX/XXXX/XXXX. I am attempting to gather all and every document needed to prosecute this person/people who still continue to misuse my personal information at will.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please see attached.

Company response to consumer: Closed with explanation