vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is RE : Wells Forgo My accounts where set up to lose money from the beginning there were never a sum in basic math of my checking accounts. When I left and went to the bank I 'm with now I could see a very big difference in how it 's to fair and safe. I was losing money for five years just in my checking accounts. Any one that could see my bank accounts it could easily be seen as I have with my new bank accounts I did not lose a XXXX from my new accounts. This is XXXX dollars over the years. I have had other accounts. A credit card which is called revolving account which I have paid off over and over again till the stilling was just out of control from my deposits many stolen as it entered my account ever month more then Enough to handle these accounts which I did for over three years before the theft. There was also another account were I signed for which I signed for a loan the larges account with Wells Forgo paid it over twice then learned it was a revolving account not what I asked for or signed they have all ready shown me a fraud letter with a signature that is mine that is Identity Theft.

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 2016-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Applied for a Mortgage with Navy Federal on a Foreclose house XXXX/XXXX/XXXX. Pre-approval letter after some very stern phone calls XXXX/XXXX/XXXX. Loan Officer would not return your call or call from numbers that was not working for Navy Federal. We are at closing and have n't receive the HUD sheet, the Attorney Office had to let us know we will not close XXXX XXXX, XXXX. Navy Credit sent an email requesting more information XXXX/XXXX/XXXX around XXXX our time because they are located somewhere in Florida. Somebody call my cell earlier that morning but did n't leave a message, I guess it was XXXX XXXX because she did leave a message in the past from the same phone number. the email was asking questions concerning our dependent age and how much we pay for his daycare in the last two years, they stated it came from our tax transcript. Caluculated the distance my husband would have to commute and is his job relocating XXXX XXXX. Did I relocate to my current job because my Employment verification stated XXXX/XXXX/XXXX, my Employment verification letter gave them 24 years of Federal Services. Why my husband had a gap in employment, which they got from tax transcript and question income from rental houses we own. Now asking for XX/XX/XXXX tax return when we sign release form for them to obtain XX/XX/XXXX and XX/XX/XXXX tax transcripts. I can go on and on but the main thing we will not make closing XXXX/XXXX/XXXX and still have n't heard when we will close. I sent all requested documents timely and sent emails asking was anything else needed. we have to go 2 hours to close. The Navy Federal Credit Union had all requested information in a fimely fashion and now we can close on the date in the contract and talking about an extension meaning more money the buyers have to pay and some attorney do n't give or waive that fee, Navy should pay for any additional money because it 's not the Buyer fault we did n't make closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I went to XXXX XXXX to get an XXXX inspection for a XX/XX/XXXX Mercury Grand XXXX and a computer reset. State law requires the car to be driven before inspection w and the fact that it takes up to 100 mile for the computer to reset and give a reading on passing or failing inspection. I had already had a diagnostic from XXXX XXXX saying that my egr valve and spark plugs needed to be replaced which I had repaired in XXXX and XX/XX/XXXX. Also, I bought a battery since it had a dead cell in it. XXXX XXXX said that they had a dealer tag and would drive the 100 miles needed to reset the computer which I was glad to pay for. Unfortunately, they did not drive the car because the odometer was the same XX/XX/XXXX as previous inspections XX/XX/XXXX. What they did do was damage my car so that they could use body parts from a Lincoln continental for repairs on my car and make {$680.00} I told them that I would pick my car up, but I was 10 minutes late and XXXX threatened to leave. I quickly paid for the ticket {$190.00} without seeing the actual paper work because I was rushing to prevent the tow truck driver from leaving. I thought that they had driven the car, but when I went back the next day to get the repair ticket they had charged me for other services including the inspection but had not driven the car as I had requested. I told this to Wells Fargo who credited my visa debit card and a few months later charged it back. The told me that I needed a second opinion about repairs even though I gave them evidence of the previous inspection and the one done by XXXX. showing the exact same odometer readings the same on XXXX and a brochure from XXXX XXXX stating state law. I gave them a letter from XXXX a car repair shop stating that driving the car had to be done in accordance to state law before inspection and they charged {$110.00} to reset automobile computers on their machine. Now my checking account is in collection with Wells Fargo who says I need a XXXX opinion to dispute a charge of not getting the services that I paid for which is a violation of the visa rules regarding purchases. I notified them the next day after I saw what I paid for on XXXX XXXX and paid for it XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The loan was in review for a modification with Wells Fargo / ASC. On XXXX XXXX, XXXX, a letter was sent to me from XXXX stating that my trial modification was approved and that I needed to make XXXX payments to solidify the modification. This letter is attached. Wells Fargo called me on XXXX XXXX, XXXX and stated that I had missed the first payment, but that they would continue the review if I wired the funds immediately to them. On their direction, I did so. The wire is attached. I called Wells Fargo back on XXXX XXXX, XXXX, and told them I was able to wire more funds to make the XXXX and XXXX payments in advance. They directed me on how and where to send the wires. That wire receipt is attached. On XXXX XXXX, XXXX, Wells Fargo called me and stated that I had not made my XXXX XXXX payment. I was confused, as I had made a payment on XXXX, but they told me to make another payment, and by their instructions, I did so, on XXXX/XXXX/XXXX. That wire is attached. I heard nothing about the loan mod until I received a notice of intent to foreclose on my house. I hired an attorney who spoke with XXXX XXXX at Wells Fargo and an escalations team member named XXXX. The attorney contacted Wells Fargo on XXXX XXXX, XXXX, but the file was not assigned to XXXX until XXXX XXXX, XXXX - ten days later, 3 days before the foreclosure sale. XXXX called the attorney on XXXX XXXX, XXXX, stating that though ASC confirms that my loan was in active review for a loan modification during the time of XXXX XXXX, XXXX, ASC denies sending me the attached letter. The letter has my full legal name, mailing address, Wells Fargo account number, and monthly payment information - items that only ASC would know. The letter is written on ASC letterhead with a barcode for filing purposes on the side of the letter. XXXX stated that Wells Fargo denies receiving the payments I sent them. They say that they removed my file from the modification program the same day they called to tell me to wire them more money on XXXX XXXX, and a month before they called me in XXXX to have me wire even more money. They say they are going to take my home tomorrow, though I did everything they told me to do. XXXX told me to call the police. I am concerned given the detail of the letter that if ASC did not send it, that they have a extensive privacy breach with regard to my file. If Wells Fargo did not call me to make payments, then someone inside their company is scamming money from their borrowers, as when I call the number back, I speak to representatives at Wells Fargo. I would like Wells Fargo to give me a chance 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 2015-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, Wells Fargo Home Mortgage ( Wells ) sent me a letter advising that my HELOC would mature on XXXX XXXX, XXXX. Upon receipt of this letter I contacted Wells, in accordance with the provisions in their letter, to discuss options if I was unable to pay the full balance due at maturity. Through numerous discussions with Wells staff for 18 months I was advised that making monthly payments to them was not an option. I submitted a complaint to this agency in XXXX, XXXX advising of this situation for my attempt to somehow continue to make payments on my HELOC. NOTE : Despite my efforts to establish a payment plan for 4 months prior to my HELOC maturity date, Wells began to aversely report on my HELOC to the credit bureaus. I notified your agency of my dilemma and after your agency intervened Wells then agreed to establish a payment plan with me. I received a modification agreement in XXXX, from Wells after making XXXX trial payments with them. Upon my receipt and review of the modification documents I found the following clause, " Currently I have a past due amount on my Account. The Bank and I agree that if the terms of this Agreement are followed, my Account will not be considered past due from the date of this Agreement on a go forward basis. '' While technically, my loan matured some time ago, I exercised ongoing attempts to avoid an adverse situation on this account. Once the CFPB got involved Wells decided to establish a payment plan with me. I have requested that my credit bureau report ( s ) be corrected to not reflect this adverse information. Especially since I have an impeccable credit record aside from this account. It is my opinion the above described clause in the modification agreement is UNFAIR, particularly in light of the definition of UNFAIR in accordance with its definition in the Unfair, Deceptive, Abusive Acts or Practices Act ( UDAAP ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: WA

Complaint narrative:
I received a student loan through wells Fargo. When I graduated that is when I started to make payments. But they kept on adding fees on my payments, there were a few times where where I called in my grace period to make a payment as my paychecks fell later in the month but the customer service was horrible, would n't work with me, added those fees. Then about 7 to 8 months into making my payments, the last day of my grace period landed on a Sunday, I got paid on Monday. I called the previous Friday where they confirmed I could pay the loan no problem. I called on Monday and they placed my loan in collections. I pleaded for them to take it out of collections and they would n't budge. They stated that it would n't accrue interest while in collections either but it screwed up my credit big 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 explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo continued to bill me for payroll services since XXXX 2016. In XXXX 2016, I contacted payroll services and they continued to bill me for payroll services at {$65.00} a month. Additionally, I emailed payroll services in XXXX 2016 to terminate all payroll services and my manager told the branch to terminate payroll services. I did not hear anything back and continued to be bill. Today, they drafted another {$65.00} out of my account for XXXX 2016. So far I have been charged {$320.00} for payroll services since XXXX 2016. They are violating federal and state laws continuing to bill me for services and I want a refund.

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 2017-02-15 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: AZ

Complaint narrative:
I have had many problems with Wells Fargo disbursing the correct amount of tuition I asked for in my loan. They are expecting me to apply for a second loan when I only asked for one loan from the beginning. I have had to call many times due to incorrect dispurment of school funds and I even got a late fee for tuition in the 1st semester. It does not make sense to apply for two different loans in the same school year and that 's what they are trying to make me do. Wells Fargo never got it correct from the start and it has been extremely frustrating dealing with them over the phone. I am not capable of going to school for my second semester because they are not disbursing the correct amount. They are not being of help and I have talked to more than 3 representatives and an executive about the problem. I finally spoke to a respresenative on XX/XX/2017 who understood my situation and he explained that he would speak to my lender and have an answer for me by XXXX on XX/XX/XXXX. I never receive anything from him and I was forced to call Wells Fargo to check in on the loan process once again. The women I spoke with told me the male agent was not in the office today, when I was expecting a call from him because he told me he would inform me.

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
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, the interest rate of this loan is variable and it 's never dropped below 10 %. I asked for Navient to give me a break on the interest because for as long as I 've been paying into this loan, its principal balance has n't dropped. I am not able to pay into it as much as I 'd like because I have hardships mainly due to my medical expenses ( XXXX ), but that 's not something they consider. There 's been a lot of time and money lost between now and when I got signed on with them and I have n't got anywhere. After several emails and phone calls with them, they 've refused to give me any help paying this off. There was a time where I could n't pay into it at all and they were calling me relentlessly, at work especially and late in the night when I had already gone to bed, switching between XXXX numbers and private numbers. Of the options given below, I can only choose one, but the list below better describes my issue. These arent all of them. 
1 ) Ca n't repay my loan. 
2 ) Dealing with my lender or servicer. 
3 ) Received bad information about my loan. 
4 ) Getting calls about my loan. 
5 ) Having problems with customer service. 
6 ) I ca n't repay my loan. 
7 ) They wo n't refinance my loan to help me out. They 're perfectly fine with me paying them interest for the rest of my life. 
Thanks for any help that can be rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I made a payment of XXXX to go to auto loan payment on XXXX/XXXX/2015. The bank set up an auto payment of XXXX to come out on XXXX/XXXX/2015 without my knowledge. I was overcharged within a few days apart from each other. Unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XXXX, 2016, I submitted a complaint ( Complaint # XXXX ) to the Consumer Financial Protection Bureau ( CFPB ). The description of my complaint is shown in the CFPB documentation. 
The CFPB submitted my complaint to the mortgage underwriter ( Wells Fargo ) for review. As you might expect from an internal self-audit like this by Wells Fargo, their response was incomplete.I immediately disputed their response with the CFPB. 
Now I would like to proceed to the next level with my complaint, which would appear to be the US Department of Justice with whom these XXXX financial settlements were reached. Or perhaps the CFPB might recommend another approach to obtain an independent assessment of my complaint.

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 2015-06-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Other* Details Wells Fargo is my mortgage servicer. I have been in the process of divorce for almost 3 years now which is what put my mortgage into foreclosure. At the last hearing, the attorney for Wells told me and the clerk of court they would give me an additional 90 days if I requested it to work out my legal issues. I requested 90 days and they gave me 45. They requested a final divorce decree and a quitclaim deed. I was able to obtinain a divorce decree and am currently in the process of negotiating the quitclaim deed. The court system in XXXX county has been extremely slow and we have had no success negotiating individually. It is my plan to request an emergency hearing with the judge to force my ex-husbands signature which should not be a problem. The court has already found he has abandoned the marital home. They also filed an injunction to keep him from forcing the home into foreclosure. I have requested an additional 45 day extension on my foreclosure date so we can complete the remaining legal issues. I am one week from my foreclosure date and Wells told me today they will not give the extension and they will not review my file. When I asked what the appeals process was they told me there was n't one. When I asked who made the decision I was told they would not give me that information. I feel like they sent me on a very expensive and time consuming wild goose chase to keep me busy while they continued the foreclosure process. XXXX XXXX handles my account and it takes over a week to get in touch with him. I have provided every legal document they have asked for and call daily to see if they need additional information. The 45 days I am asking for would total 90 days which is what I was told they would give me in the first place. I am confident we can get the quitclaim deed but they need to give me the time needed to get it. Because my ex-husband refuses to sign any papers I need the quitclaim to do a loan modification. If the house is sold we have nowhere to go. I live in the home with my XXXX children and XXXX is XXXX. I am not asking for more than the time promised and I have done everything they have asked of me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
This is a small complaint about Wells Fargo 's procedures for a Certificate of Deposit : My CD for several thousand dollars was going to mature. I wanted to renew it with a different term. So I called a couple weeks before the maturity date, and an agent told me that I could not put in an advance order for the change, but to call again on the maturity date. I called on the maturity date, and the bank was closed. I called on the day after the maturity date, and an agent told me the CD was already renewed, and could not be retroactively changed. I really think the procedure should be more accommodating!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
In XXXX XXXX I was discharged from my job and I could no longer make payments because I was unemployed. I started working in XXXX XXXX and have been harassed and talked to very disrespectfully. I have been told I would be sued and my wages garnished. I had a payment plan of {$95.00} a month but I was only working parttime beginning XXXX XXXX so I could not afford full payments. Security has refused to accept partial payments and still refuses to accept $ XXXX monthly till my account is paid in full.

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