vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XXXX XXXX, 2015 my husband and me made a offer to buy a house with Wells Fargo, the bank pre-aprove the purchase and my real state agent and the sell agent started puting all together. the purchase should be done by XXXX/XXXX/15. everythis was ok. I always need to called the wells fargo agent to make sure he has all the documentes from me. XXXX XXXX XXXX ( wells Fargo agent called me in to the bank XXXX to sig some paper that he needed, on the day He said that he needed to make a appraisal to the property but I need to pay {$500.00} for this matter. I give him a check the day. on XXXX/XXXX/2015 the appraisal was done I got my copy on the mail and one more XXXX XXXX received. the appraisal has all the information of the property including that it has XXXX units. 
on XXXX/XXXX/2015 XXXX XXXX asked to my purchase agent ( XXXX XXXX ) to request for XXXX extension because the underwriting need more time, the pettion was sended and aproved by the sale agent the same day XXXX/XXXX/2015 ; on XXXX/XXXX/2015 XXXX XXXX ( wells Fargo agent ) called me to let me know that the underwrither did n't aprove the loan because the propery has XXXX units and that the bank would aprove just XXXX house. 
I know XXXX XXXX is laying because when I was looking for my house I asked him if the bank would aprove more that XXXX unit, he responded that I could buy up to XXXX unit no more ; I always told him and also my purchase agent always told him that the house has to unit, this information is on the appraisal papers. 
I told him that but this was his excuse. I asked XXXX XXXX for the refund of my {$500.00} that I payed for the Appraisal, he said that he needs to send some documents before so the bank can refund the money to me but is been more that one month and he does n't resond my e-mail or call, he also request a second inspection for the roof with a 2 years waranty certificate, I had to pay {$250.00} for this inspection because the underwrither needed it to aprove the loan

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 2015-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I called Navy FCU to get a quote on interest rates for a 30 year fixed VA loan. 
They told me they could only give me their published rate off their website 3.125 % with XXXX point and XXXX origination. 
I told them I would like to look a less expensive option. 
They told me unless I was a member they would not give me rates They told me to go to XXXX and buy a XXXX day membership then they would talk to me. 
As a Veteran and a borrower I should not have to buy a membership to get a quote. I had already told them I was eligible for membership but did not want to open an account till I knew if I wanted them to do my loan. XXXX was very XXXX and by his tone was clearly telling me " O WELL '' I had called the week before and had gotten the Quotes I had requested. 
Needless to say I was very irritated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a texted phone number on my phone. I called and it was Wells Fargo Bank asking if I wanted to reopen the credit card application. I stated I did not apply or open a credit card account with their bank. I was asked a series of personal questions to validate my identity. I only answered yes and that was my phone number which matched what they had. The other information was not me. The bank representative stated I contact my bank and all the credit bureau to place an alert. I proceeded and put an alert on my developed credit. No other transactions were done to my credit cards or any other accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XXXX I entered a mortgage agreement which was later purchased by Wells Fargo. I lost my job in XXXX and tried to get Wells Fargo to allow me to refinance under prevailing low interest rates and government subsidies beginning in late XXXX. In XXXX I entered a special forbearance agreement with ASC, but after I fully complied with the agreement the mortgage modification was denied because my Unemployment benefits were exhausted. In XXXX I participated in the Independent Foreclosure Review and received a payment of {$2000.00} when the review was abruptly cancelled. Eventually XXXX of the loans was allegedly charged off, but I was compelled to continue negotiations until XXXX when I finally entered a compulsory foreclosure review board and was able to get a mortgage modification. The problem is that the full amount of the modification was more than {$30000.00} greater than the total original XXXX loan, even after the {$35000.00} loan was " charged off ''. Wells Fargo has been nothing but obstructive in all my efforts to repay my debt, and I believe they have received credit from the Federal Government for a loan they allegedly " charged off '', but actually incorporated into late fees, interest, and missed payments while they stalled and stonewalled between XXXX and 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 2016-07-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have a private student loan through Wells Fargo. I got behind on payments, but I knew I was starting XXXX school soon so I was looking forward to receiving a forbearance to postpone payments until I graduated. I started graduate school on XXXX XXXX. I informed Wells Fargo of this on XXXX XXXX because I knew my student loan was schedule to default on XXXX XXXX. Wells Fargo said I did n't appear on the XXXX, so I needed to get my school to fax Wells Fargo a document verifying that I was a student. I gave my school this form that same day, XXXX XXXX. XXXX XXXX was a Friday and my loan was scheduled to default on Sunday, XXXX XXXX. Wells Fargo claims they did not receive verification from my school until XXXX XXXX, so my loan defaulted and Wells Fargo is now asking for the entire balance paid in full. I believe my loan should not have defaulted because I was in school at the time, which Wells Fargo knew.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I wo n't bury the lead ; Wells Fargo lost {$20000.00}. 
In XXXX, I refinanced my mortgage with Wells Fargo and wrapped about {$20000.00} into the mortgage, keeping the line of credit open. ( Credit limit ; {$20000.00} ) Since then I drew {$5000.00} on the account. To my horror, I received a letter two weeks ago that my account was in default, I was over my credit limit and that the balance due was {$25000.00} ( impossible since I had just paid down {$20000.00} ). I assumed this was a simple clerical error that could easily be resolved. However Wells is insisting it wired the XXXX to my title company. Why they would do this I do not know. However, they have been unable to provide a wire transfer number and my title company has not received the money. 
I have spent at least an hour on the phone every day for the past 10 days. The lawyer at the title company has done the same and yet every time we call we get a clueless customer service person who promises to open a ticket. 
This is a most urgent concern since Wells claims I owe {$5000.00} by XXXX XXXX or the account will be in default.

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 2016-08-08 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
In XXXX 2016 I applied for a Home Mortgage at my Local Credit Union, my credit score exceeded the XXXX score but FHA would not even attempt the loan until a judgment ( which I had no knowledge ) was satisfied with Wells Fargo Bank, even though I disputed this judgment to speed up the process I decided to just pay it and move on. Through 3 days of phone calls including Wells Fargo 's Attorney whom filed this, and the court ( XXXX Judicial in XXXX Utah ) to figure out whom to pay, they both told me the only way to satisfy this judgment is to pay Wells Fargo, I went again to the phones and Wells Fargo would not take my money or even give me a name or number to contact, I with drew my offer on the home and basically gave up, I have a small farm, I have many animals counting on me, I also have a XXXX daughter living with me, so this home and property were very important to me. Last week, the First week in XXXX I decided to try again, by know our situation is pretty desperate, one can not find a small farm to lease or rent, its impossible. Again the Judgment showed on the credit report, I contacted all the same names and numbers from Wells Fargo Bank, Their Attorneys ( XXXX and XXXX in XXXX ) and the Court, I am back to where I was in XXXX. I finally walked into a local Wells Fargo XXXX in XXXX, Utah. XXXX XXXX was the banker I met with and she was very kind and helpful, she took a day or two working on my issue, called me back and was as frustrated as I was. She must have had some luck because within a couple days I got a call from Wells Fargo, they explained I was dealing with the highest level possible, the # was XXXX. They assigned me a Rep, XXXX XXXX. He explained it will take up to 10 business days and would not guaranty they would fix the problem, well after 5 days XXXX XXXX I lose my option on another small farm I put some earnest money on the first of XXXX. Even at the management level they were either unwilling or unable to help me, There are considerable mistakes, wrong address, basic math errors, and other issues with the Judgment, even after all that I was willing to pay it, Wells Fargo will not take my payment or dismiss this judgment or whatever, therefore they have hurt my chances at home buying twice, filed a judgment which has teared my credit apart, my emotional stress has been off the charts, and I am at my whits end of what to do, and they will offer no solutions, they should have been willing to help this along, it makes fairness stand on its end. I am hoping you folks can help me ASAP. Thank you so much, XXXX XXXX ( 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 2015-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Back in XXXX 2014 I either lost or someone stole my Debit card. A fraudulent check was deposited to my account through the ATM and funds removed ... I had maybe {$3.00} or {$4.00} dollars in account when I went to use it I was told my transaction was declined so I went on line to check balance and saw a transaction for food ( which I did not buy ) but also there was a pending deposit for I think it was {$2500.00} or {$2900.00}. The next day I went to the bank and informed them. I asked them if they could cancel the card and issue me a new one. They said no problem, we did that, they said I would get a new card in the mail and did I want a temporary card. Since I was n't expecting my XXXX check for at least another two weeks I said I would wait till new card came in. I kept calling them about reversing the charge for my {$3.00} or {$4.00} which when they finally did I was told they were closing the account and choosing not to open me a new one. At that time I did not pursue it cause I was dealing with a XXXX in the family, and I just transferred my XXXX direct deposit to my other bank account. I never got anything in the mail as far as I recall. Recently I opened a business account and deposited checks made out to the company and when I went to make payroll I found out that they had put a freeze on the account. I did n't know I could n't do business with them or that they were holding me accountable for what happened back in XX/XX/XXXX. I lost the company contract because I could not make payroll .... I do n't know what to do or how to fix this problem. I 'm XXXX it 's not too many companies that are going to give me a chance like this again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
daughter received loans from wells fargo, daughter does not reside in this house. i constantly receive calls daily from wells fargo, XXXX, north dakato when answered, their computer/person hangs up ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
See the following attachments regarding the short sale in XXXX for property we owned in XXXX, NY : 1. Letter XXXX from Wells Fargo - Short Sale Approval. 
2. XXXX Statement XXXX Wells Fargo - XXXX loan balances shown. 
3. XXXX Form XXXX {$140000.00} for Mortgage Loan - XXXX. 
4. XXXX Form XXXX {$79000.00} for Home Equity Line of Credit - XXXX. 
The total is {$220000.00} for both XXXX Forms XXXX See page XXXX of PMA Statement for Loan balances totaling {$500000.00} + {$91000.00} = {$590000.00}. The Short Sale Approved was {$390000.00} shown in the Wells Fargo Letter dated XXXX XXXX, XXXX. The loan balances less the sales price equals {$190000.00}, which we were anticipating the total for the XXXX Forms XXXX, not the total {$220000.00}. 
After many transfers to different departments, I spoke to several persons on XXXX XXXX, XXXX requesting proof of how the XXXX Forms XXXX were calculated. I was told that a " Work Order '' would be sent to the department which issued the Forms XXXX so we would receive the information in 10-12 business days. 
As of XXXX XXXX, XXXX no information has been received from Wells Fargo.

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 2017-02-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In a previous complaint, I requested that Navy Federal CU take an account off of my credit report. Over the last several years, I have notified them on multiple occasions to take me off the account as an authorized user, but somehow it never seems to be processed. So with the CFPB as witness to my request, please notify Navy FCU that I no longer want to be an authorized user on this account, and remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was sent a letter from Wells Fargo, received on XXXX XXXX, 2015 but dated XXXX XXXX, 2015, stating I had {$2300.00} in a Cash Management Account and it could not be applied to my payment because it was short. This was my first notification of this short payment or any notifcation whatsoever that I had a cash balance. I called and spoke to XXXX XXXX, who is the single point of contact for my mortgage account. He advised me on a phone call between the dates of XXXX XXXX that Wells Fargo would be issuing a check in the amount of {$2300.00} and I should receive it in 2-3 business days. Today, in my follow-up conversation, they are now stating that they can not return the funds. I believe this is illegal on Wells Fargo behalf to have held funds without notifying us for 4 months, agreeing to send the check last week, only to rudely treat funds sitting in a XXXX account as if it were legally theirs. Every other time in my life, when we were short on payment, they issue the check immediately with a letter. Ironically, the letter notifying me of the cash balance in my account was the same week the Department of Justice announced the {$81.00} XXXX settlement against Wells Fargo for this same type of abuse, lies, deception, paper shuffling and illegal fees to our accounts for decades.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FM

Complaint narrative:
I was behind on my mortgage for two years and trying to get my loan motified. 
and yes they lowered the interest to my loan but they put into my org. loan all the back interest, taxes, lawyer fees and all different kinds of fees. 
and XXXX that i owned was {$120000.00}. it jumped to {$140000.00}. 
was in shocked to see that i payed 10 years of my mortgage and now i have to start again from square one. So i asked myself where is the help. you lower the interest but added 10 years more into my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In XX/XX/XXXX I received a notice that I owed a debt on a utility bill. It was not in my name, but a botched version of my name, so I ignored it. I called the utility company and they said they had no record of it. 

In XX/XX/XXXX, I received notice on my credit report that this same company. Assett Acceptance of Michigan filed for a wage garnishment in XX/XX/XXXX and won it. They took my State income tax refund in XX/XX/XXXX. Still never giving me proof of this debt or showing me an original bill. They are a scavenger debt collector. 

They are using variations of my name. XXXX is my maiden name from XX/XX/XXXX, which I have not used since then. XXXX was my married name which I stopped using in XX/XX/XXXX. I repeatedly ask them to cease and desist but they continue to harass me for something they refuse to prove was valid. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Lennar Financial Services, LLC
State: NV

Complaint narrative:
Our home was sold XXXX, 2016. The realtor " advised '' me not to air my dirty laundry in the mortgage disclosure. Consequently an unfair distribution of funds between husband and I were distorted. In the divorce settlement he was allowed to keep my refrigerator and washer/dryer and never addressed the loss of my XXXX carat black opal with XXXX ounces of gold and I was never compensated. He was allowed to place the tax distribution at 50 %. 
He received {$26000.00} for the down payment for the house which came from an inheritance then 50 % of the remaining balance of {$41000.00}. He received {$33000.00} and I received a little over {$11000.00}. 
Additionally all of the tax returns were cashed by my ex and never divided between us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank got A direct deposit from XXXX of {$730.00} of XXXX XXXX XXXX XXXX and the bank closed her account and refused to give XXXX XXXX her Money at XXXX of there banks on Thursday XXXX XXXX 2015 as far as we know they still have the Money. XXXX XXXX XXXX XXXX, XXXX -- XXXX -- XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo is currently blocking my request for a loan modification and forbearance. My application for a loan modification is not being reviewed per Consumer Rights Under CFPB, Dodd-Frank, and RESPA Consumer Rights.

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 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
My account is currently negative {$14.00} and some change. This is surprising since I have deposited roughly {$1700.00} in the last few days as well. On Friday a deposit was made from payroll that made me positive. Wells Fargo reordered ACH transactions that were done on the same day so that the larger {$400.00} payment came out before the smaller {$120.00} payment came out causing me to be charged {$35.00} overdraft fees for both when I might have had XXXX otherwise. Then a second ACH deposit came in on XX/XX/XXXX and they delayed the deposit an additional day causing me to be charged XXXX more {$35.00} in overdraft fees. Not only that, but because this puts my account negative again any transaction that clears that is current pending will cause even more overdraft fees. Wells Fargo continues to go against their own policies and engaging in behaviors to defraud their customers. This behavior needs to be stopped.

Company response to consumer: Closed with explanation