vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was pre qualified for a loan through Wells Fargo & submitted all the documentation needed and myself, the listing agent, my real estate agent & the seller were told everything looked great. This went way past the due diligence period, I put down my earnest money, had the home inspected & had the appraisal completed. The closing date was scheduled for XXXX XXXX. XXXX XXXX I received a call that the property taxes were more than they anticipated, & to keep the debt ratio down, they needed me to put down another {$25000.00} and also told me I 'd need to switch my Homeowners Insurance to Option B, which was a higher deductible of {$2500.00} with poor coverage & no full replacement value to reduce my premium. My insurance agent refused to do this to protect my interest. As a result of these XXXX requests at the last minute, I had to back out of the loan. I lost the house, & now I 'm out all the money I put down because of their negligence in informing me of needing this additional money right before closing. They had all my information & knew the taxes for an entire month. What can I do to get Wells Fargo to reimburse me for my earnest money, inspection fee & appraisal fee. I 'm out {$2700.00}. That 's a lot of money for me when they are a Federal Bank & should take responsibility for their incompetence.

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 2015-07-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In XXXX my mother was clinically diagnosed with XXXX XXXX, her drivers license was taken away and she became unable to care for herself. Immediately following this diagnosis, my mother became a victim of XXXX, fraud and identity theft. In XXXX XXXX XXXX of my sisters took advantage of my mothers illness and applied for a reverse mortgage through Wells Fargo Bank. 

In XXXX I filed an official police report on my mothers behalf. A warrant was issued for my sister, but she fled the State. My sister fled to another State, where she was eventually arrested, convicted and sentenced to federal prison for several financial related crimes that she committed in several other States. 
In XXXX I became my mothers court appointed conservator and guardian. For the past 3-years I have been cleaning up the mess that my sister and other siblings have caused. 

I have written Wells Fargo numerous letters regarding this case. They have not even considered my mothers illnesses, nor have they even bothered to investigate this matter on their end. I was able to receive a full copy of the original reverse mortgage application. The loan documents are a clear indication that my mother was confused and did not know what she was signing. This is evident by the fact that several times she signed her name wrong, signed her name in the wrong place, and or did not sign all of the required documents. 
In my opinion the notary and or loan officer should never have proceeded with the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I 'm XXXX. We have a unit owner who has paid NO common charges in over XXXX years. She presently owes our XXXX over {$100000.00} and we have no remaining recourse because the bank refuses to foreclose on the mortgage. We would like the bank to foreclose and reimburse us for maintaining THEIR property for all these years.

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: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I am submitting this complaint for my Client XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Id. I am her XXXX XXXX XXXX with XXXX XXXX XXXX in XXXX Id. I have sent you a complaint previously about Wells Fargo and their handleing of the short sale. There is a Foreclosure Sale date set for XXXX XXXX, 2015. They have had an offer for some time and keep asking for more documents. I was just told by Wells Fargo Customer Service another appraisal or BPO was ordered. If the appraiser is very far out there wo n't be enough time to work the offer. Wells Fargo approved on offer for {$180000.00} and I have a full approval letter to close but the buyer 's lost their financing. Then Wells Fargo ordered a BPO and it came back at {$200000.00} just a few months later. The property In XXXX, Id did not increase in value {$29000.00} in just a few months since the seller has not done anything to the property. I believe Wells Fargo is stalling so they can foreclose on my client. I believe Wells Fargo has caused her undue harm and stess in this situation. If they can accept {$180000.00} once I do n't understand why they are not accepting the offer they have for {$180000.00}. Please check into this file. The processers who is assigned to the file is XXXX XXXX XXXX XXXX or XXXXXXXXXXXX. Please for the customers sake check into this matter. I believe Wells Fargo is not keeping the customers best interest in mind and they are not trying to help their customers. Thanks XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo closed my checking and savings accounts on or around XX/XX/2017. They did not provide a reason for doing this. Further, I had no reason to suspect the bank would close my accounts, since I never violated the bank 's terms and conditions. I never bounced a check and I 've never done anything to warrant the bank suddenly closing my accounts without providing me the consideration of an explanation. As a result my other bank, XXXX, charged me {$15.00} for a failed ACH transfer that I attempted on XX/XX/2017. When I visited Wells Fargo this afternoon to collect my account balance of {$5600.00}, the bank employees told me they were unable to give me the money. They told me I would have to wait until their " back office '' released a hold on the accounts.

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 2016-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SECURITY FINANCE CORP
State: IA

Complaint narrative:
Security Finance has sent a letter to my employer telling them to garnish my wages even though there is no judgement and no court order so not only have they discussed my debt with my employer they are trying to send them a threatning letter to garnish my wages

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 2016-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i wanted to retire and my retirement income was going to be {$XXXX} less than my regular income.I was transferred from one bank to a new one. I had tree options to make my payments and I was paying at the new bank when the I consulted cashier told me that they could not take my payment.I consulted an attorney who informed me that they will reduce my payments to a lower amount.After three years and paying them {$3500.00}, and not making payments at all, I was referred to another attorney who recommended CHAPTER XXXX to save my house from being auctioned.I have contacted the new bank and sended all the requested documentation and I was told that I was making too much money and to request a modification after my retirement which I did thee months ago and resubmitted my request now they are telling me that I do not qualify because I do not make enough money.

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 2015-12-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
re numerouse complaints against, XXXX /wachovia bank / wells fargo bank, fraudulent forclosure / predatory lending/ forced home owners insurance, lets start XX/XX/XXXX, wells fargo bank say i missed 3 consecative mortgage paymants, that is a bare faced lie, i have all the proof of paymants international wire transfers, recieved and cashed by wells fargo bank, i was over paying on my monthlly paymant incureing a over paymant in excess of a {$1000.00} credit also my escrow acount was in credit of over {$5000.00} credit .for taxes and insurances paid, This is what wells fargo bank .Fraudulently did, They started forclosure preseedings, stating i was 3 paymants in arears, Then closed my escrow acount sending XXXX large checks to my insurance company, totaling {$5000.00} insurance was already paid for the year,? This deceptive act was deliberate act to deceive and deprieve .knowingly that the insurance company will send back the XXXX checks to the bank, wells fargo then fed the funds fradulently back into a closed escrow acount, the wells fargo fradulently made the amounts look like they were older paymants, they call this cooking the books? There were no missed paymants mortgage acount in credit of {$1000.00} when they refused paymant saying acount closed in forclosure and escrow acount in credit {$5000.00} on this day XX/XX/XXXX There was no grounds for forclosure in credit of {$6000.00}, also wells fago have a co signed insurance check for damage i had repaired for {$2500.00} that make my acount in credit forover $ {$8500.00} credit no grounds for froudulent forclosure, as a consumer why have i not been treated equal to americans, preadatory lending XX/XX/XXXX lending 50 % 0f house value {$520000.00} loan amount {$250000.00} Then forclose this is organised crime act of lending please explane why wells fargo bank have not been brought to justice for fraud and perjury committed between XX/XX/XXXX to XX/XX/XXXX crooks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
They have also called friends of my family multiple times leaving messages. Showed up to my grandparents house and disclosed my debt to my older brother. Showed up at my aunts house and told her that they were told she was my mother. Sent a letter to my grandmothers address XXXX and I live XXXX. They have trespassed multiple times on my grandparents and aunts property that have NO TRESPASSING SIGNS on both properties and they have showed up even after I contacted them telling them that I do n't live at either of the residents. They are continuously calling and leaving messages telling my family and friends that they need payment or my collateral. I worked for a XXXX company so I know my rights as a consumer. What they are doing is against FDCPA and CFPB. They disclosed to my brother that I needed to pay {$75.00} and also gave him a letter to give to me. They have harassed my family and friends so much that my family and friends are also going to be filing a complaint with the CFPB. And it is all over a {$370.00} loan. Ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wellsfargo hit me with over XXXX overdraft fees and excess account fees within XXXX months. I called to see if they would be able to reimburse any of the fees back to me and was unsuccessful. They could n't help me. I even asked to close my bank accounts and customer service told me to call back tomorrow.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank XXXX XXXX XXXX, GA XXXX XXXX XXXX denied me access to Small Business Non Profit Checking Savings Account ; Federal Violation of ECOA Discrimination Violation of Civil Rights Act as Amended base on my ( XXXX ) XXXX XXXX ( XXXX ) XXXX for a NonProfit Faith Based 501 ( c ) ( 3 ) IRS ; Active Status with the Georgia Secretary of State Office and sent me away to produce Articles of Incorporation and Certificate of Incorporation that has been in Wells Fargo Profile sinceXX/XX/2002. Lack of professionalism on behalf of that Branch Manager and staff member for offering to cash a personal check written by a Wells Fargo Customer to me in denominations of {$20.00} bills ( total check {$3.00} ) or offered me to go to another Wells Fargo Branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
NO Options for Underwater Refinance HARP Ineligible Loans : As I completed the initial steps of the refinance process over the last few weeks, I had some uncertainty as to appraisal value of my home but thought that it was presently an ideal time to attempt refinancing as there were numerous sales in my area in the last XXXX months and at increasing prices. The actual appraisal value of my home completely shocked and disappointed me. The appraisal value indicated that I am severely underwater by almost - {$80000.00} XXXX 80 % of the appraisal value in relation to the unpaid loan amount ). Refinancing, if it happens, is going to be a hurdle because according to Wells Fargo, the least amount of cash I would need to bring to closing is approximately {$45000.00}, with private mortgage insurance ( PMI ) premium payments each month. PMI will most likely take several years before it is eliminated based on how underwater I am currently. 
I want to honor my debt with Wells Fargo but I also want take advantage of the lower interest rates. I want to remain and continue raising my family in my home in XXXX XXXX. I am employed. Thank XXXX. I have never been late on payments of any of my debts, including my mortgage. Thank XXXX. I have a very good credit rating. Thank XXXX. 
I know that I am not eligible for assistance under HARP, because my original loan is not XXXX or XXXX XXXX. I was informed that my loan was packaged and sold by Wells Fargo to XXXX and that there are no programs to assist me, although I am underwater. This fact is hard to accept because accepting this fact would lead me to believe the saying that the " nice gals finish last ''. This is a saying I am not willing to accept because I always step out on faith. I do n't think my issue is a unique one and I hope something can be done to help me refinance. 
I am writing to bring this to your attention and I am hoping to get some assistance as the window for me to refinance is closing. 
There should be some help extended to homeowners like myself who want to take advantage of the lower interest rates but can not because of having a underwater value to mortgages who are not HARP eligible because banks pooled and sold mortgages to private investors who have not done a thing to help since the housing market collapse. Some pressure should have been placed on these investors and help extended whether for HARP eligible or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
The account has been open since XXXX. It has been in good standing with no issues. Payment has always been made on time, and well over the minimum payment due. 
In XXXX I traveled the world and did not have a steady mailing address. My credit cards are all set on auto pay, however XXXX never activated the auto pay and I had many issues with this. If my payment was due I would typically pay online, or over the phone. In XXXX XXXX I never received notice that I had an outstanding bill due. Finally, well after the payment was due and after I was reported to the credit bureau I received notice that I had a payment due. The minimum payment was for about {$120.00}, to show good faith and make sure they knew I was not trying to dodge my bills I paid {$1000.00}. I was told my account was in good standing an no further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I took out a loan with Big Picture loans for a total amount of {$600.00}. I received the funds on time with no problems. Then when it came time for me to have the funds taken out for payment for some reason on THEIR end they suddenly do n't have the correct bank account information??? And now I am being charged extra fees on top of the original agreement with no communication or knowledge of why I have the extra charges. So essentially I am being penalized for THEIR mistake!!! I have asked for a letter in writing describing the reasoning for the charges. So I do n't know if they will respond? Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: AL

Complaint narrative:
I found a collection from enhanced recovery reporting {$270.00} for XXXX. This bill is nearly 7 years old and they are barred from trying to collect on it. I do n't appreciate enhanced reporting this to my credit file. They are pushing me around because i am a single female and they want to make my life hard so I ca n't get nothing on credit.

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 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received a letter dated XXXX XXXX, 2016 from Citizens Bank in regards to a deposit discrepancy. The letter stated that Citizens Bank credited my account {$49.00} to correct the discrepancy, however, no details, date, or specific information was provided as an explanation. In fact, the letter was very elusive as to why, when and how the discrepancy was caused or detected at an unnamed later date. I called the number on the letter XXXX asking for an accounting or date and reason for the discrepancy - the issue was escaladed to a supervisor, but no one had any specifics as to why, when or how the discrepancy occurred. I would ask that the CFPB inquire and investigate this discrepancy at Citizens Bank to see if any additional discrepancies are in need of crediting to my and other account and / or other account holders at Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Niagara Capital Recovery LLC
State: VA

Complaint narrative:
I was called by a processor ( showed " private number '' on caller i.d . ), XXXX XXXX on XXXX occasions on cell phone and home phone that I wpould be served at my office or home for not paying a 2010 closed checking account if I did not contact what I know to be Niagara Capital Recovery. I was scared and called the number. A XXXX XXXX put me on hold XXXX while he supposedly contacted the original creditor. In the end, I gave him my debit card info. After the call, I realized I didn'nt even know the name of the company, I was so intimidated. I called the collections dept of the original creditor who said they 'd not had any contact whatsoever with XXXX XXXX, that the phone number I had for him was not who they 'd sold the account to and that the amount he was trying to collect was almost {$250.00} above the charged off amount. I cancelled my card and have since received more calls from them and a purported process server. Where do I go from here and are these people legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: WV

Complaint narrative:
I have no idea where this debt has come from. I have never opened an account with XXXX Anyone Can use your name to open an account if they have colllected your personal information. I feel asif someone maybe a family member or friend took my personal information for their own benefit and opened a cellphone Account. They obviously did n't finish paying because let 's be honest, it wo n't fall back on them. I 'm Only XXXX years old, just starting off my credit score.. And my life as well, I need this fixed. 

Thank you sincerely, XXXX XXXX XXXX

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 2016-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: NJ

Complaint narrative:
Never notified me or gave me chance to resolve reported first in 2009 but now just reported it like it just occurred

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: MA

Complaint narrative:
I saw an open account on my credit that does not belong to me not even sure what it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief