vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Please reference complaint XXXX and the subsequent dispute that has gone nowhere. The details are outlined in the complaint. 

Wells Fargo responded with a lie that is a violation of consumer protection laws. At the time my mortgage was contracted they had a contractual relationship with XXXX to manage the bi-monthly payments for my 15 year mortgage. I asked in my complaint that Wells Fargo provide the documentation that I signed in the application that explains that paying twice a month would only save me one year on the length of my mortgage as opposed to 4 years which is what I was told. 
Wells Fargo 's response was that the blame lies with XXXX, with whom they said I contracted on an individual basis. 
This is not true - Wells Fargo and XXXX had a contractual relationship at the time. 
As a consumer I am entitled to see the documentation from either Wells Fargo or XXXX that documents definitively the terms of the bi-monthly payment and the end-date of the schedule given the advanced payments. 
The purpose of this complaint is to have BOTH Wells Fargo and XXXX speak and provide me with the documentation that clearly states the conditions that I agreed to when I signed up for the twice a month payments. 
XXXX XXXX XXXX, CA XXXX I do not want to hear that they are blaming the other one - they had a contractual relationship with each other at the time of the mortgage and they need to provide the documentation that was a part of the application process that explains that I understood the timing and conditions of the advanced payments that I agreed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was overdrawn on my checking account due to a paypal charge XXXX was for XXXX dollars and XXXX cents, so wells fargo charged me XXXX dollars overdraft fee even though they took the money out of my savings account, another charge was XXXX cents and they charged me XXXX dollars over draft fee, the bank made XXXX dollars for a less than XXXX dollar mistake.

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 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I paid my loan off on my mortgage with wells fargo. I had paid a earlier amount which they backed out of the loan. Before that I had paid like 6 months aheahead

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I made a payment of {$200.00} on XX/XX/XXXX dated for XX/XX/XXXX to cover my minimum due on my pay day. I then made another payment, after confirming my bonus was received on XX/XX/XXXX, on XX/XX/XXXX which was posted to my account on XX/XX/XXXX. The company charged me {$15.00} in interest charges because the full balance did not post before XXXX. I have called twice, the second time asking to speak with a supervisor. They stated that I made the second onlione payment on XX/XX/XXXX, but my notes say I made it on XX/XX/XXXX. The company refuses to remove the interest only charges and this is ridiculous. The website does not have the date/time the transaction was done online, you just get an email later about the transaction date. The {$200.00} payment email was received on XX/XX/XXXX XXXX and the {$590.00} payment email was received on XX/XX/XXXX at XXXX. I know this is NOT when I made the payments online as I was SLEEPING at those times. All I am asking is for Wells Fargo to remove the {$15.00} in interest only fees on my account and they claim they ca n't because the payment posted on XX/XX/XXXX. Seriously?????? I know that is a line on 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 monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is looking to hold more than {$1000.00} in mortgage escrow account. When they were called they are telling me they need {$3700.00} for the same escrow amounts paid the prior year. Also I have health conditions and have made my payments bi weekly a few times due to financial hardship and they did n't apply my money to the loan they put the funds in a General ledger per the bank representative. I always though the funds had to be applied to the loan when the payment is made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo closed my checking account on XXXX/XXXX/2017 without my authorization. My multiple employers all had direct deposits linked to that account, and now I am unable to get paid due to Wells Fargo closing my checking account without my authorization. I called customer service at XXXX at XXXX on XXXX/XXXX/2017 soon as I received an email notice at XXXX stating that my checking account had been closed. I informed customer service that I did not authorize this closure. Customer service could not tell my why my account was closed, and customer service refused to reinstate my checking account even though I informed them that I did not authorize closure and that I had multiple sources of income linked to that account via direct deposit.

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 2015-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The house is sold, the mortgage paid in full but Wells Fargo has not processed my escrow refund. I have told them twice that I need my money and they ignore it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to aquire a loan modification through Wells Fargo. However, the deciding factor is the lien I have against me from the state of California for rear child support. I have spoken with the child support division and the have spoken with their legal team. The legal team has told me, they are willing to temporarily lift the lien so modification can go through. The only documents they have requested from Wells Fargo and or myself is Mature Installments ''. I have completed paperwork 3 or 4 times now only to be tokd by Wells Fargo that I must come current on my child support. It has been very frustrating and disappointing to have had to repeat this process only to get the same result. If the State of California is willing to lift the lien, why is Wells Fargo refusing to provide the necessary documents?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My original mortgage was executed in XXXX XXXX, and within a month it was sold to Wells Fargo Home Mortgage. We have experienced an increase of {$400.00} per month in our house payments since that time. Wells Fargo claims that all of the increases have been because taxes or insurance have gone up or " the State of Texas is requiring more padding. '' Every year we go to the appraisal district and have kept our taxes basically where they were in XXXX. Our insurance did increase a large amount with the XXXX XXXX, renewal because the company left the XXXX umbrella. We now have a new insurance company and the price dropped over {$600.00} each year. 
In XXXX XXXX, I inquired with Wells Fargo about paying my own taxes and insurance and they were amenable to that at that time but we decided to wait until my Trust Fund would become available at the beginning of XXXX. I immediately called Wells Fargo to let them know that we wished to begin paying our taxes and insurance and they told us FIRST that the FHA did not allow that and when I referred them to the RESPA website, which clearly indicated that there was NOT a FHA requirement that escrow must be held by the mortgage company. Then they claimed that it was their personal policy. I responded by stating that there was nothing in any of my loan documents that indicated that I could not elect to pay for my own taxes and insurance and in fact there was an election that enabled me to choose what I preferred at the time the mortgage was closed. After this discussion, I was referred to an " executive mortgage '' consultant who said that she would see if they could " relax their requirement '' in our case. A week later, she called back to let me know that they could not. At that time I informed her that I had gotten new homeowner 's insurance and that I would be taking care of that personally. She was not happy and this time she tried to use the excuse that FHA required that I have an escrow account. Again, I referred her to the RESPA website and then, just as the other agent did, she said it was Wells Fargo 's policy! I was flabbergasted and held my ground by telling her that the insurance had already been paid for and that I would need that amount removed from my payment and that they would also owe me for the insurance accrued in my escrow account. She didnt respond and the call was ended. Here we are a week later and my escrow account and house payment have not been corrected to reflect the removal of the insurance charges. Wells Fargo is creating excuses to retain escrow amounts for their own financial purposes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, NY XXXXEnclosed are the pictures of the basement when or where it was flooded when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the XXXX XXXX tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$1500.00} and the non-co-borrower contribution is {$690.00}. The total monthly income is $ XXXXCombine the rental income with what I received every month is : {$6100.00} + {$2200.00} ___________The total monthly income is : $ XXXXA loan modification would be beneficial to XXXX us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have spent the last year trying to work with XXXX to remove the 120 days late status from a loan that was closed on XXXX 2011. In my latest attempt they have continue to report the same status and verified with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had gone into a Wells Fargo bank when I lived in XXXX XXXX California because I lost my Debit card, the teller had me meet with one of the managers at his desk, and they tried to talk me into a college credit card I told him I did n't want another credit card and no thank you I just needed a replacement debit card. Two weeks later I received a credit card and a debit card in the mail. I was so aggravated I worked XXXX jobs and was taking XXXX units in college I did n't have time to go to the bank or to sit on the phone right away to cancel the card. Within a couple of weeks I had a small overdraft and it went strait onto the credit card and at that point I knew this was going to show up on my credit report and I was trying to keep my revolving credit low. Since then I have been trying to pay this card off and close the account but it has cause me to have late payments and has just been a devstaing to my creidt and has blocked me from buying the home of my dreams.This card has been nothing but a headache affecting my ability to get a home, and a new car with a good rate this has been haunting me for a little while now. I had gone into the bank since then and told the teller and she stated I would have to call the bank. I was so shocked that someone could do this and they do n't even want to fire the guy, he was there at work that day I went in and pointed him out to the teller and all she said was to call. 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 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been considering this for some time now and I feel, on more than XXXX occasion and in light of recent events with Wells Fargo, that several transactions have been held so that there can be a NSF fee charged to my account. 
There were several from XXXX XXXX XXXX/XXXX/2016, XXXX actually charged a {$35.00} fee on a {$1.00} transaction. I keep very specific records of my transactions and if any, there should have been only XXXX NSF fee. Everything matched up on XXXX/XXXX/16 with my accounts and the bank transactions, but then suddenly on XXXX/XXXX/16 I was negative XXXX and then I was charged XXXX NSF fee 's. This is ridiculous and absolutely unacceptable! 
I have spoken to a customer service representative and I understand that no one would openly admit that their company is taking advantage of people, but it sure feels that way. I also understand that transactions come through in different times, but some things are just not adding up here. The banking industry has gotten out of hand.

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 2015-06-16 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Technology Incorporated
State: MD

Complaint narrative:
CTI is using unethical practices in collection for the US Dept of Edcuation. I have sent several rehab payment agreements for my student loan. Every other three or four months I 'm being called to state that they never got my paperwork and that I put myself on a payment program when I have faxed several times over all the requested information from this office. As of XXXX/XXXX/15 I was told that they never received my paperwork and now being told I have to pay more than what was agreed upon. They are the worse at this and I ca n't believe that the federal government has allowed this agency to use and collect for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened a CapitalOne XXXX XXXX in XXXX. CapitalOne claimed fraudulent activity and put a restriction on the account. Since CapitalOne did not have sense to change the account and send a replacement like other reputable credit card companies, I requested this myself. The account was changed but I never received the replacement card. CapitalOne 's " customer service '' is horrific and I wrote several letters with no response, i.e., XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I have never had a late payment and my balance was well below the credit limit when I called on XXXX/XXXX/XXXX and was transferred to the fraud department. I lost the phone connection while on a long hold with a woman claiming to be a supervisor. Thereafter, I received a call from XXXX from a monster of man who repeatedly refused to give his name. He falsely claimed I was supposed to give the source of deposits in XXXX. This is ridiculous, there were no deposits and this a credit card, not a bank account. No request for a source of any kind was ever made. This monster then said then he was closing the account and I would receive a letter with no reason given for the closing account. The letter dated the same the same day, XXXX is also nameless and does not give a specific reason for closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 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:
On XXXX/XXXX/2017, I transferred {$5500.00} to my spouse 's Roth IRA accounts from checking. During the transfer, final step, the site crashed. I relogged in, as far as I can tell, the site showed that transfer did not take place. I again made the transfer, 2nd time. Note that during the transfer, it specifically ask for the contribution amount and the year. Had it gone through, I figured ( wrongly ) it would prompt me that this has already taken place for the current year and maximum has been reached ... 
The next day, I learned that the transfer occurred twice. Brining my checking balance {$5500.00} below what I had anticipated. I knew this was going to be a problem because I have several auto-payments pending. I called the bank on a Friday and the banker said the balance would be reversed on Monday. The following week, no reversal. I called again and after multiple transfers ( again ), I was told that I need to fill out a form and fax it. I hung up. Drove to the bank in person and asked the banker to reverse the transaction. Incredulously, he too got on the phone, went through multiple people and said that I needed to fill out a form and fax it ... I finally got a form over a week later and faxed the form. I spoke with a Manager on the phone and was told that it will be funded within 2 days and overdraft fee ( XXXX/XXXX/17 ) on my credit card account will be reversed ( incurred due to 2nd {$5500.00} removal in checking account ). He promised that he would call me if there was any problem. No call. A week later, I called and spoke with various manager about the situation and finally added additional information to the form ( source of the hold up - despite WF having this vary information ). 

Because I could not trust WF to do their part, I made a deposit of {$500.00} on XXXX and {$3000.00} on XXXX. This was a huge financial disruption! 

I specifically asked the Banker for a call from WF Management. No call but my checking account was finally funded on XXXX/XXXX/2017. 
The overdraft fee of ( {$12.00} + {$0.00} interest charge on cash advance ) still has not been removed. 

Dealing with WF for any problems, it 's not possible to talk to the same person resolving your problem - therefore there is no accountability. No-email nor direct lines. They wo n't even give out their full name. WF requires any forms to be faxed. You can e-mail me a form but I have to Fax it ... I 've refaxed other documents multiple times and have given up trying to contact you about it ... The only response I get is " we do not have it '' please re-fax even though I had your WF office do it, again.

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 2015-06-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Legal Prevention Services, LLC.
State: TX

Complaint narrative:
This firm calls my office phone almost daily and leaves messages stating that they are with " legal prevention services '' and that I or my attorney must return their call by end of business day to prevent further action. They have also contact my mother at her home and mobile phone. I did call them back and asked them to not contact my mother again which to my knowledge they have not. I also asked them to reference what debt this is related to. They provided information over the phone but have yet to send anything in the mail as I requested. This sounds like an old debt that is beyond 5 years and I 'm not sure of the status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a bill for an annual charge for a card that I have not used in over a year. I did not see the bill until I received a bill the following month for a late fee and interest for the original {$18.00} membership fee. The new total was {$33.00}. 
I called and closed my account, but they insisted that I still owned them the {$18.00} annual membership fee. Every year up until now they have waived the fee, until now. 
This is not fair or customer friendly.

Company response to consumer: Closed with monetary relief