vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Short sale was approved XX/XX/XXXX and loan was cancelled XX/XX/XXXX. I immediately retained another realtor XX/XX/XXXX. property put back on market and received cash offer, documents submitted XX/XX/XXXX to Wells Fargo. Made calls for status updates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they had n't submitted anything to HUD. Let messages for contact person, no callback. Even tried speaking to supervisor over person. Call transferred to voicemail. Contacting customer service they would just say they would have a callback because they didnt have information in notes that was updated. Contacted their Executive Resolution for assistance, still nothing happened till XXXX XXXX. HUD response was due to time frame was denying short sale which was approved before. I have asked for a detailed letter in regards to denial XXXX XXXX, XXXX, have n't received, said they are working on it. Now foreclosure process has started.

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 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX , XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I communicated with them and explained my inability to pay. After I explained I could not pay, my accounts were frozen. They would not allow me to change my direct deposit ultimately allowing them to liquidate my account to satisfy my loan payments. I finally was able to change my direct deposit and once they did not have access to funds they began calling me for collection. I further explained my inability to pay the amounts they asked for. I began getting back to back calls. Once I blocked the XXXX number they were calling from, I began getting calls from a local XXXX XXXX XXXX area code number. They also got data from a 3rd party source because they began contacting my mother. She was not listed on my loan, she did not co-sign for it, nor was she listed on any of my accounts as a verified contact. She got calls on her cell and at work. I sent a letter asking for them to cease communication with all of her numbers ( work, work extension, and cell ) along with mine. The calls continued for another 3 months until they charged of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX XXXX, 2017 I made a deposit at a Wells Fargo branch office. The deposit consisted of XXXX checks and XXXX money order : {$1100.00}, {$930.00} and the money order for {$600.00}. The total deposit was {$2600.00}. 
I did my account reconciliation on XXXX/XXXX/2017 and noticed that the bank had credited me to much money for that deposit. Apparently, they credited me XXXX for the {$1100.00} but nothing for the {$600.00} money order. Their records indicated a deposit amount of {$3200.00}. 
Thus, the bank credited me {$520.00} to much money. I called wells Fargo and told them they had credited me to much money. They thanked me and I thought that the issue was resolved. The reference # for this conversation was : XXXX. 
The issue was not resolved. 
First, I received an email then written confirmation that Wells was charging me {$12.00} for a returned check item for the {$1100.00}. Wells also immediately debited my account for that amount but did not credit me for the {$600.00} money order. 
I called them on XXXX/XXXX/2017 and Wells told me they understood the issue and someone would call me on Monday XXXX/XXXX/2017 to make sure I would be credited the {$600.00}. 
No one called me. 
I called on XXXX/XXXX/2017 and spoke to XXXX in the customer care department who gave me a case number of XXXX. She told me someone would call me back within 1 business day. No one called. 
I called on XXXX/XXXX/2017 and again spoke to XXXX in the same department who assured me this would be taken care of that day and that someone would call me. No one called. 
on XXXX/XXXX/2017 I called again and was routed to three different people ending up with XXXX ( direct # XXXX ) who told me she was working on this issue and would call me back. No one called me. 
All I want is to have the money order I deposited in the amount of {$600.00} credited to my account and Wells Fargo refuses to do this. Essentially, Wells Fargo has stolen {$600.00} from me. I have truly spent over 4.5 hours so far trying to resolve this issue. 
That 's what you get for trying to be an honest person. 
Can you help me. 

I

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 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
URGENT - Sheriff Sale on XXXX XXXX, 2015Hi. Wells, Fargo Home Mortgage commits fraud. 
I was working on a loan modification and sent in all my paperwork on XXXX XXXX, 2015. 
I was just called two weeks ago and told that my modification was denied because my mortgage was over {$720000.00} ( they knew it was XXXX when I did my documentation XX/XX/XXXX XXXX. I called and then Wells, Fargo XXXX XXXX XXXX XXXX said I was denied because I did not send in a profit and loss on my real estate company. 
I do n't have a real estate company and never received a letter or call on it. 
Then, I was sent a letter saying I was denied because I did not respond to them. 
I did call!!! Now, I get a letter stating that I am under a sheriff sale and sorry " we have not heard from you and there is not enough time for mortgage assistance prior to the sale '' XXXX. This is a lie, they can postpone the sale any time they want to postpone it. 
I just got another letter saying that Wells, Fargo is investigating my last CFPB, and will get back to me XX/XX/XXXX - THIS IS THE DATE OF MY SHERIFF SALE!!!!! 
PLEASE HELP ME. I have written to the OCC, FDIC, FBI, Wells, Fargo Senior Mgt. as well. THIS IS FRAUD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
13 months ago I took out an FHA home loan through Wells Fargo. We were in a hurry to close on the home because we had a baby on the way and wanted to be in the house by the time he arrived. After being treated extremely disrespectfully by our Wells Fargo home loan representative we finally closed on the house. In a hurry to get into the house we did everything necessary to expedite the process. We went through the FHA program for our house, but there were serious issues that were never addressed, and should n't have passed FHA guidelines. We had peeling paint all over the place, a huge horizontal crack in the foundation of the basement, along with a bowing wall which indicates major foundation issues. Beyond that we have a support beam that is significantly sagging. All of these issues have been present since day one, and only after researching FHA loans did I come to the conclusion that these should have all been fixed. My opinion is that the Wells Fargo representative was solely looking out for himself, and would do whatever was necessary to accumulate another sale. Ultimately I am worried about the structural safety of the building, and I am left wondering why none of these issues were considered a red flag for the lending institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Prior review to a compliant that I had received a check due asc put forced insurance on me when I had homeowner insurance asc was getting kick back by place every client on forced insurance and there was class action suit well I was told since I was under review the money went back to escrow since my house is sold during a review the week XXXX day prior I sent doc of course missing doc, I want my check that due to me, next issue the bank was using a higher appraisal then discover after the fact there was a lower appraisal by XXXX lower and admitted that they should have use that after the fact that discrimination the that I 'm XXXX and my son is XXXX between all income totals up XXXX XXXX dollars a month so I was n't sent a letter of the sale date prior to it happening and suppose a there were deadlines where the letters stating that where the copy requesting a postponement of sale date to there lawyer, I was told over the phone that is n't legal and when I asked about the escrow I was told I do n't get it back, I do n't place the force insurance I had insurance that was paid for I want that money back asap they promise XXXX Mos of good credit history never happen

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

Complaint narrative:
XX/XX/2012 I walked into a WellsFargo branch office in the City of XXXX California. I asked to speak to a manager. I told them that I had received a letter that I owed $ XXXX+ dollars and wanted to know why. I was told it was because I was not using my checking account. I told them I have never opened an account with them at all. I told the manager, I come in to make my mortgage payment and the teller usually asks if I am interested in an account and I always said no thank you but took information about their account services. The manager said he showed I had an account but they could not find any proof of me signing any documents or having an account other than what they showed on their computer. The manager told me that since my Mortgage is with Wells I can open an account and wo n't be charged fee 's at all for having an account with them and that he would take care of the $ XXXX+ fee and remove it. So I went ahead and opened a new account Note it was not the same account number they claim I had. It was a completely new account. About 5 to six months later, I get a letter from Wells Fargo that they debited the $ XXXX+ because they said I owed them the money. I went back to the branch three more times in the period of several months to resolve the issue and get my money back and it was never resolved. I felt stupid and crazy because they said I owed them the money. Now I find out that many WellsFargo employees were committing fraud and realize that I am one of the victims. I want my $ XXXX+ dollars back. It 's not even about the money it 's the principle, how can someone open a bank account without your knowledge or consent then charge you the fees. At the time I was a struggling single mom and that {$60.00} was a week worth of groceries and lunches for my kids. They got me to go into the branch and open a real account and then still charged me fraudulent fee.

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 2015-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a customer of Wells Fargo for many years. While I was a customer they requested at every chance they got for me to choose paperless statements, so I finally gave in so they would stop asking and to help the environment. Now that I have closed my account I have no record of any activity or history as all of the statements were stored on their site. I called today to ask for a copy of XXXX statement and they told me that because I had no active account to bill the {$5.00} serve charge, I would have to mail a request with a {$5.00} money order. I wish I would have known that I would have no access to my information BEFORE I closed the account. I feel as though they are holding my statements hostage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/15, I lost my debit card and a single check. I went to the bank and filed a lost/stolen card, and set up a new bank account. I went through all the charges that were bad, and disputed them. I also advised other charges that were previously authorized, that I recognized. One of them being a payment for {$180.00}, and advised that was for one of my bills. The bank acknowledged that and also again acknowledged that on XXXX/XXXX/2015, when they followed up with me. I later find out that they reversed the payment, because they mistakenly considered apart of the dispute. This reversal caused my account with XXXX to be suspended because of non-payment. I had a payment arrangement and because the bank reversed the payment without my knowledge, I am now required to pay the full amount, and I ca n't pay that, hence the reason for the payment plan. I reached out to the bank today, I was on hold for over 40 minutes while they were " researching '' the issues, and the best they could come up with is provide me with a letter of apology to me and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It has been 6 month since I contacted Wells Fargo Bank to resolve their unfair credit reporting in XX/XX/XXXX on an account which should had been closed since XX/XX/XXXX. I has been stressful holiday season for my family since I am not able to get a loan to buy a home due to stamen placed on my credit report by Wells Fargo bank. For the last 6 month Welles Fargo bank has been going around in a circle not answering my questions and asking for more time to investigate. Each agent I am getting over the phone giving me different answer. Here is the complaints. 

1- I had a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX. The mortgage on the home was with XXXX. I had sold the home on XXXX. ( attached is document of sale ) 2- Wells Fargo Bank reported me to the credit bureau on XX/XX/XXXX that the home located at XXXX XXXX XXXX XXXX started on foreclosure which was not completed and claims that the home was still under my name in XX/XX/XXXX despite off providing Wells Fargo bank with all document that I had sold the home in XX/XX/XXXX and I had nothing to do with the home in XX/XX/XXXX. 
3- Wells Fargo back mailed me a letter indicating that the Mortgage was paid off in XX/XX/XXXX and the home line of credit balance at the time of sale was XXXX. Still Wells Fargo Bank refusing to correct false report to Credit Bureau. 
4- My questions to Wells Fargo Bank are : a ) How I can be reported as the owner of a home in XX/XX/XXXX with all clear evidence that I sold the home in XX/XX/XXXX? 
b ) How I can be reported as " foreclosure started but not completed '' for a home I did not own c ) Wells Fargo aware that the title company cleared this issue with them on behalf of the home current owner in XX/XX/XXXX not on my behalf. 
d ) There is no way I can be reported to credit bureau for a foreclosure for a property I did not own at the time of foreclosure. If there is any law indicate that I can be reported for foreclosure for a property I did not own I want to see this law. 

What Wells Fargo Bank is doing with me is unethical and unfair. It has been stressful 6 month trying to resolve this issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
i was approved for a checking account with navy federal. I was sent a debit card, account number, and a welcoming email. after my sister asked about the XXXX referral fee I was then told that my account was fraudulent and denied access. I was told that I could not have any access because my sister and I have different last names. but we have the same parents. I was told that I could use my marriage license on the phone but when I got there I could not use my marriage license. I was basically told that I was liar and my money would be sent back to the irs even though my son gave me the money from his tax refund so basically I was not only called a liar but a fraud. I have not done anything wrong. my son called which he is a member to verify he gave me the money he was told that there is nothing he could do. my mother and father are deceased. my sister name is XXXX but was born XXXX dob XXXX/XXXX/1965 in XXXX which now she resides in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
While banking with Wells Fargo multiple fraudulent overdraft fees were placed on my account. I had previous called and checked the available balance in my account and most recent transactions to ensure that the money was available and all transactions were up to date. On XXXX/XXXX/2016 I had a available balance of XXXX, after spending {$5.00} to grab some food in my account multiple overdraft fees were posted for every transaction on my account. I have screenshots of the balance in my account before making my transactions. I immediately contacted Wells Fargo, no one would explain or provide assistance. Today I called Wells Fargo again to place a complaint, I spoke with ( XXXX ) who would like me speak with the manager but was adamant about making me pay the overdraft fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been trying to have a loan modification approved by Wells Fargo for almost two years now. I have sent in every document they have requested numerous times. As I am self-employed they have requested more and more documents and due to the inability to accept online documents, I have had to pay to have documents printed and reprinted, just so I can sign every page and then pay to have documents faxed to Wells Fargo. 
My financial situation became difficult when the economy crashed. Since I am XXXX I can not file for unemployment assistance. I had to use all our savings. Then my child became very ill and the last year was spent helping her become healthy, but the cost of the treatment, much of which was not covered due to being " out of network '' for our XXXX XXXX plan was a further strain on my finances. During all this I was trying to get Wells Fargo requested documents even though the form states that no documentation was needed. I also requested information on what to do if the house is now " under water '' as there is both a mortgage and a home equity line of credit and I believe the value of the house is now less than those XXXX loans. I have not been given any information on this. Now I am told again they need more documents but the person who can tell me what is needed has not responded to several emails and today is " in a meeting ''. When I requested immediate assistance I was transferred to a " manager '' but that went right to voice. I was told by Wells Fargo to stop making payments while this process went forward, now my house is in foreclosure. I offered to start making payments and even make a lump sum payment toward the past due balance, I was told they would not accept any payment. This is now impacting my health, my XXXX is unbelievable. I can not believe that Wells Fargo is allowed to buy up all the mortgages and then abuse homeowners in this manner. It is disgusting.

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 2015-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
WELLS FARGO DEALER SERVICES, Are Report that i was late on a payment, I have never been late with a payment, the report me late one-time on my credit report. Never Never Late!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I told the representative I rather mail in payments and they told me they could removed my banking information and I told them to cease all verbal communication only mail and they refused to remove all numbers

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation