vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
Yesterday, during a routine call to Wells Fargo to order checks, the employee said I was eligible for a better credit cad and referred me to another employee in South Dakota named XXXX. He examined my accounts and discovered that I had two checking accounts and no savings account. He suggested repairing this situation, and did. Today I read in the paper that Wells Fargo employees have been issuing unwanted accounts and charging us for them. Wells Fargo has been fined a lot of money. Am I eligible for some of it?

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 2016-10-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I applied for and opened Travel Rewards ending with XXXX using online application : which stated : https : //www.wellsfargo.comXXXX XXXX points on gas, grocery, drugstore net purchases for 6 months, XXXX points on virtually all other net purchasesXXXX - enjoy 5 years to use the points you earn '' However, the stated offer had been never applied to my card. 
I opened the research request with Wells Fargo, but I had denied XXXX XXXX for the reason : " If you or any joint applicant currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you will not be eligible for the above introductory APR ( s ) and fees or the bonus rewards offers described below if your existing card has been open less than 16 months. '' However, such a warning was not present in the terms and conditions and was not presented during the application process, so it was applied retroactively. 

I closed my card on XXXX XXXX our of frustration. 

Therefore I request the card ending with XXXX to be reinstated with full 6 moths promotional period attached starting with the reinstatement date. 

Thanks You XXXX 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 — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a Mortgage with Wells Fargo. That was paid in full on XXXX XXXX. XXXX, Received satisfaction of Mortgage. On XXXX XXXX XXXX, two years after the mortgage was paid in full. I received derogatory notification from my credit tracker stating that I was delinquent on a Wells Fargo Mortgage with an account number that was not mine. I contacted Wells Fargo numerous times to try and get this issue explained a resolved. After weeks of phone calls and correspondence I was told that Wells Fargo would fix the credit reporting issue. On XXXX XXXX, XXXX I received another derogatory credit report. It appears to me that Wells Fargo went in and removed an account number that was not mine and substituted the real account number and are now reporting that account as delinquent as if it is still open? I called Wells Fargo today XXXX XXXX, XXXX and spent over 1/2 hours talking with 3 people to no satisfaction. The impact of this situation has caused XXXX and financial grief. I had lost XXXX of dollars as a house purchase fell through. I believe Wells Fargo went in and changed the reporting mortgage number to my old mortgage number which was paid in full and satisfactory over 2 years ago. I believe they opened a mortgage in my name with out my knowledge.I believe the person in the corporate office tried to convince me that the reporting was correct when I questioned him and informed there were no derogatory reporting after the mortgage was closed until the bogus mortgage number appeared. then you change the mortgage number to my real number when I raise th issue that the mortgage number was not mine. This has caused me XXXX of dollars and I believe that Wells Fargo has tried to avoid an issue of acct in my name that was not mine.. Person in corporate was XXXX XXXX the first manager talked with was XXXX XXXX after speaking with customer service. Something is most definitely wrong here. 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 explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On more than a half dozen occasions, Wells Fargo has charged me late fees for payments made on time. My payment is due on the XXXX of each month. This past month, my bill was in the amount of {$250.00} and was due on XXXX/XXXX/16. Wells Fargo mails the monthly invoices sometime between the XXXX and the XXXX of the month. For the bill due XXXX/XXXX/16, they mailed the invoice on XXXX/XXXX/16. I paid my bill by automatic payment on XXXX/XXXX/16. Because it arrived before they mailed the invoice, they did not credit it to the XXXX/XXXX/16 and charged me a late fee. Essentially, they have created a variable period within each billing cycle where I can not make a payment. In this past month 's case, any payment made between XXXX/XXXX/16 ( the day the XXXX invoice was due, and was paid in full ) and XXXX/XXXX/16 ( the day after they mailed the invoice ) would float in the ether and not be credited towards the invoice due for that billing period. This has happened over and over and over. SEE CFPB Case number : XXXX from last month. I have filed several XXXX complaints and each time Wells Fargo reverses the payment. It requires constant vigilance. I can not believe other consumers are not being hit with these fees too.

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 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I would like your asistance to find out why a lender has reinstated an old forclosure case over a debt that shows a XXXX balance on my credit report for both loans. I received a payoff letter for XXXX of the loans.In the past there was a predatory lending case against the lender and I also participated in the XXXX County Chencery Divison Settlement Program. Please help me in resolving this matter. My desire is ensure that no one can reinstate these loans in order to profit from them and to clear my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2012, I filed for bankruptcy. Do to a hardship, I applied for a loan modification on my home with Wells Fargo Bank. After months of repeated document exchanges and getting them notorized, I was given a 3 month trial payment plan. During initial application of loan, I submitted a letter with information from the XXXX Bankruptcy court stating that the courts were not interested in home loans between the lender and borrower. Only if payments were increased. The modification was approved and after making the first modified monthly payment, the modification was withdrawn because of no court approval. 
The attorney on my case verified the courts position.

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 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Mortgage was forged at closing. I reviewed the truth and lending document and realized that the truth and lending document was forged. It is not my signature. I checked with the law offices of XXXX XXXX XXXX to advise him of the same. However he was arrested and disbarred for mortgage fraud in NJ. I brought the same to the attention of XXXX and Wells fargo however WElls fargo said its not their problem. How can Wells fargo even consider me for a modification when the loan is bad at the root? I paid all points at closing and In the APR of the loan and interest should be the same or relatively in the same ball park. However its not. My loan needs to be reevaluated and rewritten in order to make it affordable for me as it should have ben this way in the beginning. Please see attached documentation.

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 2016-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened an account with Wachovia ( now Wells Fargo ) XX/XX/2008. At the same time, my father and brother also opened accounts with the bank. After a few years, the bank started charging me a monthly fee of about {$10.00}. I tried to figure out why they started charging me this fee, but not charging my brother or father the same fee. After a while, I gave up trying to get the bank to stop charging the fee and I closed the account. Now that it has been exposed that Wells Fargo has been finding unfair ways to charge customers fees, I am wondering if I was a victim of their misbehavior.

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: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Scam Victim, I applied for loan threw XXXX XXXX XXXX. 
All they told me I had to was that XXXX XXXX would deposit money into my acct. to pay for my processing Fee .. So I was instructed to go to XXXX XXXX send to this person for my loan fees. 
So .. I did that. Next thing he tells me that I have n't paid my Taxes. 
He would cut me a deal. I owe XXXX I would only owe XXXXXXXXI knew right then this was a scam. I said no so XXXX the loan manager start to threaten me. 
Then I get all these XXXX from my bank Wells Fargo over XXXXXXXXHe made the claim. Stolen identity. And XXXX will not give me my money backThis is wrong .. Help. PLEASEXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliant Capital Management LLC
State: CO

Complaint narrative:
Hello, My issue is best described by XXXX out of the XXXX above, XXXX XXXX from Alliant Capital Management ( doc id XXXX ). XXXX XXXX called my sister who stated that she was not me- He then proceeded to disclose the debt, plus threaten legal action if I did not return the call. He then located me at work- When he id him self I said I can not have calls at work do not call here. I called him on the phone and explained that I was having medical problems to which he replied that he understood and did n't want to cause anymore problems take the weekend and think about the options. Still no VOD has been sent to my mailing address. Today, I checked my work voicemail and there was a very lengthy message from XXXX XXXX, said he was going to sue me and send someone up to my job to give me papers. He then said all of the calls have been recorded and that he would move forward by end of business if I refused to call him back. I was not even at work Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I 'm writing in regards to Navy Federal Credit Union wrongfully shutting down my credit card account that was n't delinquent and not re-issuing me a new credit card after the expiration date of XXXX, XXXX. I 've been a member with Navy Federal for 17 years and I opened my first credit card with Navy Federal in XXXX. Since XXXX I have been a good steward over my Navy Federal Credit card account. I 've had a few late payments here and there but I 've always made sure to contact Navy Federal about any account issues from my end. I 've been very consistent with my credit card payments with in the past two years and I even made a lump sum payment of {$1500.00} on my credit card payment. The total amount allowed on this credit card was {$2500.00}, the balance was around {$400.00}, and the account was n't delinquent at the time I received the attached letter. My question is, " Is it lawful for a bank to close and not re-issue a credit card account that is n't delinquent or late based off of your credit score? ". I 've paid off several loans with NFCU including my XXXX car loan. And I feel violated that they would close my credit card account when I 've been paying on time. If this is unlawful I was wondering what legal actions I should take?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wrote a complaint regarding Wells Fargo bank approximately 12 hours ago. I received a response from the same person that frustrated me originally, thereby, accomplishing nothing.

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 2017-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to you in reference to loan number XXXX. I have documentation from XXXX of XXXX formerly known as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX employees which states Wells Fargo sold the above mentioned loan to XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX became the servicer of the loan in XX/XX/XXXX. It is my understanding that in order for anyone or any entity to sell a mortgage or a promissory note, they must first be the legal owner of the mortgage and the promissory note and in order to sell a loan to a XXXX trust, must be the originator of the loan. So, when it was stated to me by XXXX 's employee that XXXX XXXX Bank purchased the loan from Wells Fargo, exactly what did XXXX XXXX purchase? I also have a letter from XXXX XXXX XXXX XXXX XXXX stating they purchased the loan from Wells Fargo. Did XXXX XXXX purchase the promissory note? In the state of XXXX, the mortgage is purported to follow the note, not the other way around.Everything that XXXX XXXX has stated is in direct conflict with the XXXX XXXX court records. XXXX XXXX court records indicate that the mortgage and the note in question were BOTH purchased by XXXX. in XX/XX/XXXX. Wells Fargo has stated they sold the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The recorded court records also reflect that XXXX XXXX Inc is the sole assignee, not a nominee, not a beneficiary and not a trustee. In fact, the recorded assignment not only shows that Mortgage XXXX XXXX XXXX XXXX XXXX is the owner of BOTH the mortgage and the note but that XXXX, XXXX. is the assignor, which would have made them the legal owner at the time of the assignment. This also reflects that they were the legal owner of BOTH the mortgage and the note when Wells Fargo allegedly sold the loan to XXXX. The assignment of the mortgage and the note were recorded in the XXXX records in XX/XX/XXXX. This would make the purchase of the mortgage or the note by XXXX from Wells Fargo is fraudulent. I would appreciate a response. Thank you in advance for your time and cooperation in this matter.

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 2016-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I purchased a home and used Wells Fargo as my mortgage company XX/XX/2013. Since then my husband and I have made about XXXX-XXXX in improvements, turning our XXXX into a XXXX and redoing the bathroom downstairs and upgrading our backyard with pavers etc. My taxes obviously went up and I discovered my monthly payments went up {$400.00} per month because of escrow. I complained that I would like to get out of escrow and pay my own taxes and also have an appraisal done to get rid of the PMI as well. I needed to be at XXXX % LTV ratio for both. WF insisted I use their appraiser and he came in and appraised the house for only XXXX more than it was 3 years ago in a worse market and in much worse shape than it is now. Keep in mind I made significant improvements to the house. I am now at XXXX % LTV ratio with consistent on time payments and payments that are more than the mortgage bill every month and they will still NOT let me out of escrow or PMI. I contested the appraisal and they came back and used the same appraiser to review my appraisal and shot down all of my comps. They originally used comps from 2 years earlier because they claimed they could not find up to date comps, but I was able to! I am an agent and I know how to provide comps. I also have several friends in the real estate industry who claim my house was under-appraised by probably about XXXX-XXXX %. They are asking me to pay them toward the principal, but I will not because I know my house is worth a lot more than they claim. I am being bullied for .09 %! I would love to refinance but that will cost even more. I am tired of big banks bullying the little people trying to make a way for themselves in the world. Stay away from Wells Fargo! I constantly hear complaints about them from several people. They are rip off artists and have given me nothing but a hard time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
have been trying for over a month to get a 5 yrs payment history, finally received one last week but XXXX was for some other person. I have talked to supervisors but because of my bankruptcy in XXXX they give me to another dept and sy it will be 10 to 20 days but nothing happens. This week they said a fax was sent to my place I am trying to refinance with, to get some info and when I ask my rep they never received anything. Now I am in danger of loosing my locked in loan rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
US Bank was dishonest with both the CFPB and myself in their correspondence dated XX/XX/2017. 
US Bank wrote " Each time you contact our Cardmember Service Department we provide a message that states your call may be monitored or recorded for quality purposes '' US Bank was dishonest with all people who call US Bank as it claims it is using recorded calls for " quality purposes '' when US Bank is allegedly using the calls for fraud investigation. If US Bank stated that calls may be recorded, that would encompass all uses, but US Bank, in writing, and on recorded lines did not make that claim and is using the calls for other purposes. 
US Bank also was dishonest with the CFPB and myself when on XX/XX/2107 they wrote " You ( sic ) correspondence also indicates that you have requested that we provide you with video surveillance of the transactions that you had previously claimed as fraud. '' I can find no such records of any correspondence.

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 2015-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I had an FHA loan at US Bank that was paid off on XXXX XXXX 2015. On paying the loan off on the XXXX XXXX instead of XXXX XXXX I was charged {$1000.00} interest fee. I spoke to US Bank in regards to this and was informed that they were unwilling to refund the charge of {$1000.00} even though the interest charged was the EXACT same day as the loan was paid off. I feel that a {$1000.00} charge for paying off a mortgage loan 2 days into the month is, for better words, a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation