vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We submitted this file for a short sale had completed all of the process except we were missing XXXX judgment for less than {$2500.00} from a third party hospital. It took a while to track down because we needed to locate the collection agency on the matter. After months of processing, the file was closed on the XXXX for the XXXX missing document and on the XXXX the document was sent to the lender with an updated HUD reflecting that the {$2500.00} would be paid at closing. No one looked at the file for 1 month and they have scheduled the home for sale

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 2017-01-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, 2016 I made a {$100.00} ATM debit card withdrawal at the Wells Fargo Bank in XXXX NJ. I was charged a {$3.00} ATM Fee. This month when I received my checking account statement I saw an addtional {$1.00} charge for ATM INQ fee and a {$1.00} WD fee. for a total of {$6.00}. In my opinion this is excessive and I should be refunded at least {$3.00} in 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 2015-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On three occasions, I have requested that my daily ATM withdrawal limit be raised from {$310.00}. The bank has refused to raise the limit, and when cash was needed for an emergency on a Saturday evening, I was unable to access my available funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I used to bank with navy federal and every time my loan became delinquent navy federal would freeze my bank account until I made a payment to them. I here that there is a law suite about these type of ordeals happening and am wondering how to attach myself to the law suite .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX of my Navy Federal Credit Union credit card payments was past due and I was locked out of all account services online and on the app. I was only given a prompt to pay the bill. I paid the bill but was still locked out of all services because it takes several days to process credit card payments. I was unable to see my balance or perform any other actions. I then called Navy Federal and had to verify payment with them to unlock my account. I was only told that this was a normal part of the system. 

I understand why it happened, but the fact that it takes several days to process payment means that the system is impractical and potentially harmful as it is now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Please, be advised that Navy Credit Union bak, withdrew a money from my checking account to cover a charged off credit card, where we had not such a an agreement when I went to your local branch in XXXX XXXX. Bank teller, specifically, said that I can not tranfer money from on line banking to cover credit card payment, instead I have to go in the branch and make a payment. I do n't know how bank collection department got a liberty to transfered money without my consent, beacuse of that my check returned to merchandise for insufficent fund and also got charge a {$35.00} fee on top of bank a fee of XXXX . 
It was not a specefic date that I had to make a payment in the branch '' just once a month. A nay federal bank should refuded me a XXXX $ fee plus a XXXX $ that charged by merchandise, the totale of XXXX $ should be credit it back into my checking accoun.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX - XXXX to cancel was received and signed for. 

XXXX XXXX - I got called by Wells Fargo about making payments, I told them about the XXXX XXXX interaction. 

XXXX XXXX - I got confirmation again that it was received and the loan was to be cancelled. 

XXXX XXXX - There was no movement, I contacted their call center which claimed they 'd get back to be me on Friday by end of business. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - They did not get back to me. Called again, said someone would call me Monday. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - No one called. Called back, told to call on Tuesday. I told them I 'd need to file a complaint if it was n't resolved on Tuesday since they were insisting I send them payments and it was ~40 days now. The Right to Cancel is 20. 

XXXX XXXX - Called back, told to call back the following Tuesday. I told them I 'd need to file a complaint if it was n't resolved today since they were insisting I send them payments.

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 2016-01-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX of XXXX I applied in a Wells Fargo branch for a Secured credit card. This card has an annual fee of {$25.00}. On XXXX XXXX XXXX I applied for a credit card offered though Wells Fargo called the Wells Fargo XXXX XXXX XXXX XXXX. That card 's ( XXXX ) application was denied because I am not a XXXX. Because of this application 's denial I recalled that my Wells Fargo had been open for THREE years now and I was still paying an annual fee each year and the card remain a secure credit card. So I called Wells Fargo to ask if the reason my card had not graduated to a unsecured credit card because I was n't a XXXX and they informed me that that was indeed the reason. I asked for the annual fees I had paid to be refunded because the card was never going to do what was advertised as becoming a unsecured credit card in a year or more time. The representative at first informed me that XXXX annual fees would be able to be refunded however later in the call after being put on hold I was told that only XXXX annual fee can be refunded. It is unacceptable that I was never informed of Wells Fargo policy on unsecured credit cards for non-XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Dear XXXX XXXX am writing to tell you I 'm trying to work with you on my debts with you but it 's not working outI have XXXX ( XXXX XXXX ) and I can hardly do anything throughout the day. This is my third week trying to write you. I 've got a friend helping me do this complaint that I hope will work. 

You have called me about my debts and it just catches me off guard and confuses me. Please stop calling it just stresses me out. I 've tried to work out payments online and it does n't let me. The last year has been worse than ever and I 'm just trying to work things out before I die.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
I recently had debt to settle had no problems with that. I been trying to restore my history so if I owe I was pay. But Alliant capital management had a representative call my phone. When I ask for verification of the debt thats where it got out of hand. I was told they he was a lawyer which is a lie and that he did n't need to send me any info about the debt at all. Which scared me I recently had my bank info stolen. So i was a little unsure about just giving out my info. I wanted some simple paperwork to prove this person is legit. He got highly upset and ask if I had a lawyer because if not I will need one. I think it was a scar tactic. My I repeat he said he was with a law firm and not a collector. And that I wanted simple paperwork to be mail to me that is all. But no he hung up in my face. That after me threaten me to get a lawyer. I had no problems paying. I did a little resource may I add they called from a local number so I was scar at that. I try to google the number no businesses came up at all. I got even more scared. I thought somebody was trying to get into my bank info again. So I called the same number from another phone. It sent me to a operator. She told me it was alliant and they was trying to collect a debt. She ask who I was talk to. I could n't remember his name. She went me or I ask to be sent to a different person. I also google they and found a New York address and phone number. I called and got in touch with somebody. I told me it was alliant and ask for my name and that they was contacted to collect on a debt. I and to do all of that to verify the source was right. When the person who contacted me could have told me this. So I spoke to a rep. He insured that they are a debt collector and not a lawyer office. I told him that another rep said he was a lawyer. I guess he thought I was lying or he was trying to cover for his co-worker. I came to a settlement. I had no problem in doing so. I issue is the first rep misrepresented himself. I guess trying to scar me into paying. He was aggressive and hot tempted. And not willing to listen to he and trying to degrade me over the phone. I want the taped conversation of the first rep so I can pursue legal matters. He did n't have to lie about who he was I was at work and could n't talk I got confused and scared. I just had my bank info hacked. And some random number called and say do you have a lawyer well get one. If you do n't pay you need a lawyer. Like I was supposed to say well here is all my bank info. All I wanted was some simple paperwork. Or somebody that had a nicer and more calm attitude so we could resolve the issue. He stated I do n't need to give you any info at all I am a lawyer. I called the local non-emergency number because I was scared. I thought somebody was trying to steal my info. I did n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My car was repossessed after I was unable to make payments on it. I lost my job and was no longer able to make the car payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I need help resolving a matter of fraud related to identify theft and compliance violations by Wells Fargo Bank. 
My husband 's identity has been stolen. Numerous fraudulent checks and electronic transactions have been processed from our checking account, savings account and credit card. We have filed a police report and an identity theft affidavit with the Federal Trade Commission. 
We reported the fraud to Wells Fargo as soon as we discovered it, multiple times. Wells Fargo failed to assist us or open claims after the first XXXX reports of fraud on our checking account and after the first report of fraud on our credit card. They did not open a claim on our checking account until our third notice to them on XX/XX/2016. 
Wells Fargo has made numerous errors, compliance violations, and has used false information to initially deny our claim. They supposedly escalated the incident to their Resolution Team on XX/XX/2016, however, we have had no contact from that department and it has now been over 15 business days. The bank has been negligent in helping us and has committed multiple violations of the XXXX Transfer Funds Act ( a.k.a. " Regulation E '' ; parts 205.6 and 205.11 ), such as erroneously closing the claim and failing to provide provisional funds. In addition, Wells Fargo is in violation of the Fair Credit Reporting Act by refusing to provide detailed information, requested in writing, about the transactions. We have been very cooperative and have offered to partner with them in providing as much information as necessary to investigate and try to track down the source of the fraud to help catch the criminal ( s ), but we seem to be getting nowhere. I would appreciate any help you could provide. I am attaching a document with details of events from XX/XX/2016 to XX/XX/2016.

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 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a mortgage loan ( # XXXX ) with Wells Fargo towards the purchase of my new home in XXXX, CA. My wife and I are both gainfully employed in high paying XXXX jobs and have impeccable credit scores in excess of XXXX. The loan process began in early XXXX and I submitted comprehensive documentation of assets including statements at that time. I have had a lot of trouble with the Underwriting team at Wells Fargo responding 10 days after I initially submitted my documentation of assets. The initial estimate of the payment ( including costs ) due at closing given to me was higher by around {$7000.00} from the final closing cost causing me to scramble and liquidate assets towards meeting this requirement. The Underwriter did n't agree to have this as a closing condition instead requiring me to liquidating my assets before approving the loan. On this occasion too the Underwriter took more than 3 days AFTER the liquidated funds reached my bank account to sign off her approval. After all the delay caused by the Underwriting team, my wife and I finally signed off on the loan documents after depositing the payment with the escrow company yesterday morning XXXX. The Wells Fargo underwriting team threw a curveball after the signing by insisting on a Section XXXX item ( broken duct indicated by the termite inspection team and not the home inspection team ) to be certified as not being a hazard as a condition to funding the loan. This was not a condition that either me as the buyer or the seller had mutually agreed to as part of our contract agreement. This was a total surprise to me and the sellers as it was never mentioned as a condition by either the loan consultant or the underwriter previously. If this was a condition, the Underwriting team should have indicated as such, prior to me signing the documents for closing. I understand that loan underwriting standards have become very stringent, but I believe that Wells Fargo 's underwriting team is acting out of malice towards me causing me and my family undue grief and trouble stemming from rescheduling appliance delivery, movers and cleaning crews. At this point I can not understand the reason why Wells Fargo 's underwriting team is putting up last minute hurdles towards the closing of my loan other than the fact I had declared myself as being of XXXX origin in my application.

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 2016-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Despite having an agreement made two months ago with Wells Fargo to pay a credit line ( debt ) with $ XXXX monthly payments for six months ( at which time we will see if I can pay more ) or continue the {$300.00} a month, I am receiving multiple phone calls from XXXX from Collections with the message, " XXXX wanted me to call you based on your agreement ... '' XXXX had no information about the " agreement '' with her supervisor XXXX ( noted in detail below ), but is calling me anyways. I told XXXX the agreement was {$300.00} a month, which is what I have been doing for three months now. She said XXXX told her to call me but had no other information. I then received yet another call from XXXX asking about this " agreement '' she has no information on and transferred me to her supervisor XXXX. 

Apparently, XXXX, whom I made the monthly payment agreement with wants me to pay the debt in full now and is having XXXX call me. I have explained now three times my financial situation and my inability to pay it off at once ( I 'm a new small business owner XXXX ). I offered my 2015 tax returns to illustrate my inability to pay the debt in full ( out right ), but the Supervisor XXXX told me, " lose the attitude, XXXX. I 'm going to follow my boss ' recommendation and sue you. '' XXXX then immediately hung up the phone as I began to respond to his threat. He hung up on me after telling me Wells Fargo was going to sue me regardless of answering the multiple phone calls from XXXX and paying {$300.00} every month as per the agreement made with XXXX at Wells Fargo. He does n't care and wants it paid off. A representative from Wells Fargo 's remediation department called me and left a message. I called the representative back only to have her tell me that she ca n't talk to me about the debt because it 's in my husband 's name. I reiterated that my husband gave Wells Fargo ( specifically XXXX ) verbal confirmation to discuss the debt with me. Apparently, the remediation dept representative did n't know about the case/issues prior to calling me. I noted to Wells that this is becoming a joke, but I 'm left with the threat of a lawsuit from a huge bank festering over my head. 

Hearing that Wells Fargo is going to sue me is causing me XXXX and I 'm a XXXX yo XXXX ( XXXX ) mother of XXXX. Small business owner in XXXX XXXX. 

Being harassed and threatened with a lawsuit is frightening.

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 2016-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo is foreclosing on my home. They refuse to return calls, when I am trying to ask what my options are. They never sent me anything but acceleration letters. I 've reached out to their " executive group '' time and time again. Noone returns calls, no one sends out acknowledgement letters, or letters period. I am XXXX, I have my XXXX mother living with me, my son and his children. Please 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 non-monetary relief
Consumer complaint received 2015-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband and I tried to obtain a loan to consolidate our debt AND also tried to obtain a mortgage loan. However, we were denied for consolidation loan from our credit union accordingly, due to too much debt-to-income ratio. We were also unable to obtain a mortgage loan any higher than {$170000.00} from the XXXX XXXX and no more than {$160000.00} from a XXXX XXXX XXXX loan at an extreme high interest rate because again, too much debt-to-income ratio. We later learned that Wells Fargo Bank made an erroneous credit report to the consumer credit reporting agencies. We had a regular XXXX account with Wells Fargo but they later upgraded our account to a " XXXX XXXX '' and transferred the balance over to the new Signature card and closed out the old regular XXXX account. However, Wells Fargo failed to correctly reflect this change. Instead, they reported both the regular account with the old unpaid balance and the same unpaid balance on the XXXX account to the credit reporting agency. Thus it seems we have XXXX Visa account with equal unpaid balances. This negatively impacted us by lowering our credit rating and higher debt than the actual. When I contacted the Wells Fargo Bank to correct this error, they wrote back stating they saw no erroneous reporting. We contacted Wells Fargo Bank again and spoke with another agent named XXXX XXXX of XXXX of Wells Fargo who correctly identified the error and agreed to update our credit and reflect the closure of the original regular XXXX account. However, my husband and I have already suffered a damage because of their error. We feel the credit reporting agency has failed due diligence as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage has been stalking my home for months due to my family not being able to get the monthly payments in on time. The past two days I have been approached by one and followed by another. Which resulted in XXXX phone calls to the mortgage company to cease and desist having my home watched and was told they would not stop. This in turn resulted into me calling my local police department to file a formal complaint for stalking on a daily basis and harassment.

Company response to consumer: Closed with explanation