vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing this letter on behalf of my daughter. My daughter had gotten into a financial bind. She is XXXX and has always tried to be independent. Feeling ashamed of her situation, made the decision to seek help from her bank, Wells Fargo, instead of coming to myself for assistance. 
She has attended school part-time for the last two years to be accepted to a XXXX program. We found out in XXXX that a spot had been secured for her at XXXX XXXX University. This is the same school she attended and received a XXXX in XXXX and XXXX XXXX. She is intelligent, hardworking, and motivated. Unfortunately, she is not well educated in the world of finances or banking. I found out about her finances when I was trying to organize a budget for us when she returns to school in XXXX. 
The help that Wells Fargo gave her left her in a position that she would not be able to get out of for the rest of her life. This started when they told her she had to keep a balance of {$1500.00} in her checking account. This would be impossible for her and seems it would be quite evident by her ongoing banking with them. Wells Fargo 's help consisted of a loan at 12.25 %, a personal line of credit at 11.25 %, and a credit card that carries a 17 % on purchases and a 23.99 % on cash advances. The accounts she was signed up for also carry an annual fee of {$25.00}. She makes her minimum payments. The interest being charged every month is more than her payment. I realize she signed these agreements, but did so reluctantly. The person helping her even stated to her that she " looked uncomfortable doing this ''. She had no idea what any of the interest rates meant or of the charges that went along with cash advances. I tried going into the bank with her and was told there was nothing they could do since she signed the agreements already. However, they were willing to run her credit again to see if they could get her yet another loan. 
I went on their website and not even being a customer ( which she has been since it was owned by Wachovia ) ; I can get a credit card with a balance transfer at 0 % interest and accounts that have no annual fee. They advertise all kinds of help for students. I am wondering why she was not offered any of that help. I do n't even know of a bank that does n't offer free checking and savings accounts ( well, now I do ). 
I have now exhausted all my avenues and put my credit in an unsatisfactory light trying to get her out of this mess. She is unable to get any other financial help in terms of loans for school due to the fact her credit is now maxed out. I am appalled and beside myself that a bank would do this to someone. I feel an obligation to let every unsuspecting and unaware individual know that this financial institution is not there to help anyone, but only for their own gain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Over 7 months ago or close to a year ago I closed my account in Wellsfargo. My reasoning for closing my account was because I was charged unknowingly monthly fees for my account, my account activity was note documented in a timely manner which lead to negative balances and additional charges. I felt as if Wellsfargo does not value its customers. Since I bank with other banking institutes I can determine the difference in how a customer should be treatment and the difference in the produces they offer. They fees I was charged I do not receive from other banks. So, I felt no remorse when I decided to close my account with Wellsfago. 
In the meantime since I have closed my account ; I am still receiving bank statements as if it was never closed my account. I thought the bank statements I was receiving would eventually stop coming and I never thought anything of the statements until I recently heard of the Wellsfargo account scandal. Therefore, I want to know if I am a victim of the Wellsfargo account fraud?

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 2015-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXXXXXX and XXXX XXXX, We filed for Bankruptcy in XX/XX/XXXX and our case was discharged as planned. However Wells Fargo has been the only creditor to continue to report to my husband and my credit report. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like Wells Fargo to stop reporting to our credit report per our bankruptcy. Last reporting date was XXXX XXXX. 

I know this report is from XX/XX/XXXX, but I 'm trying to re-finance our home and Wells Fargo come up again. 

Thank you for any assistance you can give us. My contact number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
in XXXX I tried to get An afordable payment via Hardship I qualified for Thru HAMP Wells Fargo Claimed my Loan # XXXX originated in XXXX of XXXX and I could not Qualify. They Solicited That XXXX step Mod. They changed my loan Number so they would have Their deceptive Proof. They drug the process out for 4 years and tried to take my home, I had to file a petition of Bankruptcy to Stop Them. Finally in XXXX of XXXX they gave me another Payment of {$1000.00} per month. I am XXXX and only get XXXX per month. They claimed i make XXXX. They also added {$42000.00} to the end of my loan. This is all Predatory. They are nationally known as being Crooks. Why Cant YOU HELP 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 with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
this not my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Debt was charged off over 4 years ago by original creditor. Account went delinquent XXXX of 2009. 

Communication with XXXX parties : Contacted XXXX other people that I am aware of, including old Landlord, and extended family trying to get ahold of me for a " legal matter ''. Left messages on answering machines with case # XXXX XXXX. 

Harassment : Claimed to be delivering service of summons and would not disclose name or information of process server at my request. Used the threat of a pending lawsuit to get me to make a payment by the following day in order to stop the process. 

Making False and Misleading Representations : Claimed to not be a debt collector, but a law firm working on behalf of Wells Fargo and used multiple names including " Legal Claim ''. Never notified me on contact that they were a debt collection agency or that they were attempting to collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
America 's Servicing Company is being bias towards the borrower by prohibiting the borrower from being reviewed fairly for a loan modification due to an overzealous underwriter and processor with America 's Servicing Company. America 's Servicing Company is requiring additional documentation not customarily required per the HAMP guidelines. The borrower has been separated from the spouse since XX/XX/XXXX. Although divorce is imminent the clients have not filed for Divorce but the spouse no longer resides in the residence. America 's Servicing Company requested for the Co-Borrower to relinquish their rights to the property by means of a Quit Claim Deed. The Co-borrower as a result incurred additional expenses relative to the Quit Claim deed preparation and recording cost. On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX received a conference call from the assigned relationship manager XXXX XXXX with the underwriter XXXX ( no other information was given about the underwriter ) demanding a Divorce Decree. The underwriter was notified they were not divorced and separation was not recognized in the state of Florida. The file was denied the same day for not producing a Divorce Decree. America 's Servicing did not provide the client with a missing documents letter as required by the CFPB and HAMP Directives. In addition the underwriter is demanding a Divorce Decree in which the borrower can not provide. The co-borrower has demonstrated she does not live in the property and has relinquished her rights to the property but America 's Servicing Company is continuing to demand a Divorce Decree or produce a separtion agreement which is not recognizable in the state of Florida. On XX/XX/XXXX and XX/XX/XXXX file was resubmitted to America 's Servicing who removed the file from being removed on the same day. File was submitted XXXX days before a Sale Date and America 's Servicing did not mail a Letter Confirming Receipt XXXX the package nor provided the client with a missing documents letter as required by CFPB and HAMP Directives. America 's Servicing Company is requiring the borrower to produce documentation which is not legally binding nor recognized in the state XXXX Florida. America 's Servicing Company is proceeded to foreclose on the home without providing the client a proper review of the Home Affordable Modification Program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Starting about three years ago my wife and I suffered several financial issues all at once which caused us to need a home modification. We had a XXXX which failed and lowered our total income. We got help from " XXXX '' who convinced Wells Fargo to lower the interest rate to make our mortgage affordable at that time, however Wells Fargo also added $ XXXX back into the principle which eventually caught up with us. We then suffered internal damage to our home due to storm winds and internal flooding. We are currently faced with pre-existing XXXX damage ( XXXX to repair ), septic tank failure ( XXXX ), market values dropped from $ XXXX to $ XXXX and my wife diagnosed two years ago with XXXX which has forced her into XXXX retirement. We filed bankruptcy three years ago and Wells Fargo was excused from the bankruptcy in XXXX 2016 after which they notified us of pending foreclosure. 
We requested a modified mortgage with Wells Fargo and after allowing us a three month trial adjustment period they offered us a new loan with an increased principle ( $ XXXX ), an increased interest rate ( from 3 % to 3.2 % ) and a 40 year fixed loan. Upon review of our appeal Wells Fargo recently informed us that we could afford to pay over {$1800.00}. per month although my wife now requires monthly treatments, her income is half what it used to be and we have $ XXXX in home repairs which must be repaired ( basement XXXX XXXX and septic tank ). It seems that each time that we make a new request to Wells Fargo we are told that we can afford to pay more. It seems that they never actually consider our finances and/or our situation. Are there any laws which protect us from this sort of treatment from these large banks. Did n't they get a " bail out '' from financial problems just a few years ago? 
Please help if you can. Advise us if you can not intercede on our behalf. 
XXXX XXXX XXXX XXXX Wells Fargo loan # 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 2015-05-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Bank has my money on hold and wo n't release it.

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 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Money was unfairly taken out of my checking account Consumer Financial Protection Bureau Case number 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 2016-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I refinanced my FHA mortgage into a conventional mortgage in 2015 and the closing was delayed from late XXXX to the first few days of XXXX. My FHA mortgage company Wells Fargo charged me a full non-prorated month of interest for XXXX although the payoff reached them by the XXXX of XXXX. My new mortgage company XXXX Bank did not inform me of this either. I wound up paying a full month of interest over {$1000.00} to XXXX different mortgage companies for the same month. This is absolutely not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
WELLS FARGO DEALER SERVICES MADE A HARD INQUIRE ON MY CREDIT REPORT AND I ASKED FOR PUT OF THE HARD INQUIRE BUT THEY HAVE FAILED TO DUE SO

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In my long fight ASC ( Wells Fargo ), the most recent battle is with my Property Insurance. My Agent submitted to mortgage lender to pay insurance as they been paying in the past. Instead, they now refuse to pay it claiming my loan does not have escrow. They have paid in the past including the property taxes for the past years. Now they have issued a for-placement insurance and ( of course ) charged to my escrow.

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: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I applied online at wellsfargo.com for a secured credit card with Wells Fargo on XX/XX/XXXX2016. After the application was complete, I received a screen that said my application was pending because Wells Fargo needed more time to gather more information. I did not receive any further correspondence from Wells Fargo about the application nor did I receive a phone call or any message from my Wells Fargo account about the application. On XXXX XXXX, 2016 I checked my account in the morning and found that {$300.00} was taken out of my bank account for the secured credit card that was approved with Wells Fargo. At this time I still had not received any information that I was approved for the application or that money would be taken from my bank account to start the secured credit card. As soon as I saw the money had been removed I called Wells Fargo to find out why. I spoke with a representative in the credit card department who advised me that I was approved for the application and that I would receive a card in the mail within 7-10 business days. I advised that I was upset about the steps that had been taken with no communication on Wells Fargo 's part to advise of the approval and that I wanted to know if I could decline to receive that account. The rep advised me that I had 10 days to call back to get my money back immediately but if I did not then it would take 45-60 days to have funds put back into my bank account. I waited 2 days to see if I would receive anything from Wells Fargo stating the account was approved and I did not. I proceeded to call Wells Fargo and close the account. I was advised that it would take 45-60 days to have the funds refunded to my account. I proceeded to advised the representative the issue and what had happened and she advised me that it may be sooner since the account was not fully funded and still in processing. As of XXXX XXXX, 2016 my funds have still not been refunded to my bank account and I still have not received any communication that I was approved for a secure credit card and what the terms and conditions of the card/application are. I called again on XX/XX/XXXX2016 and spoke with XXXX representatives and nothing was attempted to get my funds refunded sooner than XXXX business and I was advised that Wells Fargo 's policy was that they only refund the collateral hold within 45-60 days. Because I did not receive a email/letter/call about the approval for the application I was not made, aware before the funds were taken out of my account, that this was a policy of Wells Fargo and that it would apply to me once the funds were removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP

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 2017-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX I am following up to my complaint ( Case # XXXX ) filed on XXXX XXXX, XXXX. We have sent numerous QWRs to Wells Fargo without a qualified response. They are refusing to comply with RESPA and provide us with qualified answers to our QWRs which we have been sending since XXXX, XXXX. Please make them respond. We believe that they have committed fraud by and through never notifying us of changes to our ARM mortgage which they allege to have inherited from Wachovia and before them XXXX XXXX. We believe that they have failed to properly credit our account and fail to notify us of changes to the Adjustable Rates.

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 2016-05-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello. I am submitting a complaint about Navy Federal Credit Union. I was XXXX majority of last year and was highly unable to handle my credit card bills due to bad bandwidth and our location restricted me from having internet access. I was unable to pay my bill so they ended up closing my account with sending me any notices, along with closing my account with them. Now I am paying on a credit card that is supposedly closed but I am still paying on it. I would like the late payments removed or the entire credit card reopen. if not, removed entirely. I never received any notices while underway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As a result of Wells Fargo Bank misrepresentation of my balance XXXX XXXX XXXX incurred an overdraft fee of {$35.00}. XXXX XXXX XXXX issued a Accord and Satisfaction Paid In Full Check Money Order in accordance with California Civil Code 1526, UCC 3-311 & UCC 3-603 on XX/XX/2016. Wells Fargo Bank accepted the instrument however they failed to extinguish the debt pursuant to the law.

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