vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Many issues. Told in the beginning that I needed to get behind on mortgage to qualify for HAMP Program, I did and paid many late fees and attorney fees. Recently applied for the HHF Program, told I would qualify, WFHM stated that since they did not administer the HHF Program " In House '' for the State of Florida, they would not postpone Foreclosure hearing however, if I lived in a State that they did administer the HHF Program, they would have postponed the hearing. Many, MANY other issues, lies and untruths told over the past 6+ years, I am currently conferring with an attorney regarding filing a lawsuit against WFHM .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have a mortgage through Wells Fargo. In 2012 they threw me into a mortgage modification. For a full year they threatened by mail and phone to foreclose on my home even though I made every payment on time. I had to call them every month on the day of my payment and give them my bank information. When is it was finally over I find out that they reported to the credit bureau that I had not made a payment in 9 months which really messed up my credit score. I have repeatedly reported that, that is not correct and have sent them information to prove that the reporting is wrong. This year I decide to do a refi on my house and find out that what was reduced in my mortgage through this modification has been but on my house as a lien. I also received an notice in XXXX that they were going to start foreclose process on my home for non payment, then received a email from them that said " oop were sorry we sent you that message. '' Again my harassment. So I went through a full year of threats and hell for nothing. Why is this being done to people? You hear about this big program to help home owner and it does is ruin you credit and create major problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I took out a {$5000.00} loan from my 401K because I had a family emergency, I deposited the check Friday XXXX/XXXX/2015 into my Wells Fargo Checking account. On Monday XXXX XXXX XXXX noticed online there was a notice stating my deposit was on hold and will not be available until Tuesday XXXX XXXX, 11days after the deposit date. I called the bank after I read the notice and I asked them to please help me cause I could n't wait that long because of the emergency that I had which was the main reason why I took the loan in the first place. They told me there was nothing they could do and that I had to wait. Since I could not wait that long, I asked to return my check so I can cashed it at XXXX XXXX XXXX XXXX. They said they could n't do that neither and that I had to wait. My dog die because I could n't afford for the emergency surgery and the medication that he needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I like to report that there has been fraudulent activity going on in my bank this is the banks from wells Fargo and XXXX XXXX XXXX I have also had accounts tried to be opened up at the XXXX XXXX in my name I have already disputed claim and written letter to well wells Fargo and XXXX XXXX XXXX they XXXX XXXX XXXX has yet to respond to the claims it has been more then 30 days and I have yet to receive a response from XXXX XXXX XXXX theat are now 3 days pass

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 non-monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
XXXX XXXX has contacted me on XXXX occasions. XXXX time stating I owe on a loan. An must take care of in timely manner before court. ( call on XX/XX/XXXX ) XXXX call was asking what I have decided to do to resolve issue. I told them it was n't my debt. She told me good luck. ( call on XX/XX/XXXX ) Then received a message stating I had XXXX to make a statement on my behalf. ( call on XX/XX/XXXX ) I have also received a email stated the debt I owe. They also have some of my personal information. I asked when the loan was deposited and when payments where missed. They could n't address that information they told me. I have called cashnet to double check on any loans. They stated the last loan I received was in XX/XX/XXXX and had been paid in full. An then offered me a loan which I refused.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Payment to acct not credited — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a loan ( should be had ] with Wells Fargo bank. It is secured by two c.d.s. of {$50000.00} each This loan could be paid off anytime. XX/XX/2016 I made a payment of {$67000.00} against a balance of $ XXXX.The check was from a title company whom I had gotten a loan from This should have been simple, pay off my loan, and give me a refund. XX/XX/XXXX was a XXXX and I was told it would take to next week to clear the transaction. My receipt said it would take 3 days to post but it will be credited to your account. 
I went back to the Wells Fargo branch on XX/XX/XXXX and asked why my loan still did not show being paid off. XXXX called and was told it was taking time. In addition, I was told there was a check in the mail of {$4700.00} being sent to me. 
I waited till XXXX, no check and still showing a balance of now {$64000.00}. I asked where my check was and was told there is no check, we will deposit the money to your account. 
This is now XX/XX/2016. It has been ten days since I paid this off and I have no refund money and I still owe now {$64000.00}. I was also told when I asked that my c.d.s which secured this paid off loan would take 2-3 weeks before they could be released. This would mean from the date of payment that my c.d.s would be held for 31 days. Why? 
XX/XX/XXXX, I was told by XXXX that he had tried to call me and sent an e-mail ( strange I have an answering machine and no message and surprise no e-mail on my computer ) that wow my loan only showed that I owe {$1700.00}. 
The overpayment money was still not deposited to my account. 
How XXXX are the people that handled this transaction? 
They could have paid off the loan and put the overpayment money into my account. This is now XX/XX/2016 and once again I will go in and see if my refund money is available. 
I just want to get this finished, have my loan say zero, have my refund, and have my c.d.s

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 2015-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
For more than six years, XXXX XXXX and its subsidiary, XXXX XXXX XXXX, have tried to wrongfully and unlawfully collect a number of alleged XXXX-party debts from me. 

As a XXXX-party, bulk debt buyer and debt collector, XXXX XXXX and XXXX XXXX XXXX have knowingly and intentionally engaged in business practices that are in violation of state and federal law. 

In every effort to collect an alleged debt from me, XXXX XXXX and XXXX XXXX XXXX have made material misstatements of law and fact. 

XXXX XXXX has worked to collect an alleged Wells Fargo Bank account that continues to ignore the fact that the alleged, XXXX-party debt is barred by the statute of limitations. 

XXXX XXXX wrongful and unlawful statements, practices and acts have caused personal, professional and financial harm to me. 

In 2015, XXXX XXXX continues to ignore the law and settlement agreements. 

Shame on XXXX XXXX, its executive team and its shareholders.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MT

Complaint narrative:
In XXXX 2015 Seterus Inc. sold me an insurance policy that I did not need nor want nor did I request it my property is and as always been covered by a policy I buy the account does not nor never had a escrow account. Seterus established one and is now billing me for it even though I have submitted proof of insurance multiply times. I have been calling for months to just get a continued billing the following month. different people have said it was taken care of and when I request that person there is no one by that name working for them, Requested a hard copy of information and have never receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is in Reference to Case number : XXXX, reported XX/XX/XXXX regardingnot been able to re-financ my mortgage @ XXXX XXXX XXXX XXXX , XXXX, FL XXXX with WellsFargo/American Servicing Company. 
I have researched this issue of claiming that my mortgage is not with XXXX XXXX. 
Please see attached Documents from the " Title Company '' that shows that my mortgage instruments signed on XX/XX/XXXX was with XXXX. 
XXXX Documents attached : ( 1 ) The letter that WellsFargo/American Servicing Company Official sent to me that claimed categorically that the loan is not XXXX ( 2 ) My researched documents from " Title company '' that shows that the mortgage is with XXXX. 
All I want them to do is refinance my mortgage/Remodificagtion to lower my rate sitting at 6.626 % for the past 10 years. 
I should be able to take advantage of HARP program to lower my rate and payment. 
I have contacted other banks, I was told that my mortgage company is the only one that can do this for me, to make it cheaper. 
Note : Could you please help me with this issue. You can see it from the Title company document that it is XXXX. I am not sure why they are telling me it is not XXXX while the document says it is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo lies and continues to assert that I 'm not listed in XXXX. I reviewed again my report I have offered evidence as such and identity theft and yet they still do nothing. They do n't value my XXXX year relationship nor the 40k I 've deposited since XXXX. I 'm switching banks Asap if this is n't rectified. Contact XXXX you own them they will not do anything when I contsxf them saying you told them to keep it on file. Bait and switch, lying to the government and me too. Normal Wells Fargo XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/XXXX I sent a payment of {$1700.00} to Wells Fargo on a XXXX department credit card with a balance o {$1500.00}. I sent more to cover any additional financial charges to pay this account off. On XX/XX/XXXX Wells Fargo applied the payment to my card leaving {$130.00}, I called on XX/XX/XXXX to confirm when I would receive my credit back and was told at that time I would receive in 2-4 week. On XX/XX/XXXX I call to confirm payment was received, and that I had a credit of {$130.00}. I was told that I should receive the check by XX/XX/XXXX. I called a 3rd time and told them I had not received my check on XX/XX/XXXX. I received my billing statement around XX/XX/XXXX that showed they had applied the {$1700.00} and I had a credit of {$130.00} refunded on XX/XX/XXXX. Again I was told I should receive the refund by XX/XX/XXXX ( Different date than XX/XX/XXXX ). My 4th call on XX/XX/XXXX I told them I had not received my check, Wells Fargo responded it would be by XX/XX/XXXX, yet again different date. We are now one month from the time they applied my payment on XX/XX/XXXX. 5th call to Wells Fargo was made on XX/XX/XXXX, I told them I had not received my check, it went from the Representative, to the Supervisor, to an Executive Officer, to a Corporate Compliance Researcher. I was told they would have to cancel my check and I would have to wait another 30 days to receive my credit. The gave me a case number XXXX. On XXXX ( 40 days from applying my payment ) I called XXXX XXXX at XXXX XXXX XXXX XXXX Ext XXXX, three times and my calls went straight to her voice mail. She has not returned my call, Well Fargo has had 3 business days to research why and tell when I will receive my refund and I have not heard any thing back from them. I have attached my last billing statement to show when the credit was applied and when they said they refunded my money however they can not product any documentation showing a check has been chased or if they even mailed the check. I 've waited 40 days for this and was counting on that refund to help pay off another debit. I have gotten no where with Wells Fargo, I keep getting bounced from one rep to another or my call to XXXX XXXX are not being returned. In light of what Wells Fargo has done to other customers in the news, I want my money back so I can close out my account and leave this company. I need someone to help me. 

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 non-monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I called Wells Fargo to see if I could get a loan modification to reduce my monthly student loan payment. They told me that I would not qualify for a modification because my co-signer and I together make too much money. They told me my only other option is to go do forbearance. I do not want forbearance, I would like a more affordable monthly payment.

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 2016-10-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Upon receiving a Special unemployment Forbearence with Wells Fargo, I was advised that at the end of the forbearence period I would receive a modification to obsorb the delinquent amount. I have been denied a modification after two years of applying. My loan has now been referred for foreclosure. Wells Fargo received, accepted and returned several payments for XXXX prior to the foreclosure. ( see CFPB letter )

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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have a mortgage loan with Navy Federal. I pay each month prior to 30 days late but after the XXXX. They send me a certified Lett every month making a suggestion of collection. At the bottom it states this is an attempt to collect a debt. However, nothing has happened for over a year. I have kept these notices. I saw information that a suit was filed against Navy Federal. Is this something in which I can participate?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A Wells Fargo account was opened in my name ( XXXX ) about 6 or 7 years ago ; I complained by phone and mail to Wells-Fargo 5-6 times recently to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank closed my IRA CD in error and sent a check for the balance to another financial institution without my knowledge or written approval. This is the account that I had arranged to draw my required minimum distribution. When I discovered this error, I went to the local branch of Wells Fargo and asked the bank to place a stop payment on the check and reopen the IRA account they closed in error. They refused to place a stop payment, but stated they would request the return of the funds and treat it as a rollover, not a correction of the Bank error. 
When the check arrived at the other financial institution, they processed it to my IRA account with them as a direct transfer. At this point I decided it was in my best interest to leave the funds at the new institution. 
Even though the amount of the lost interest is minimal, Wells Fargo never offered to reimburse me for this loss. 
I have since requested a letter from Wells Fargo acknowledging their error for my records in the event of an IRS issue. To date, I have heard nothing from Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Was approved for a XXXX credit line of {$1000.00} on XXXX XXXX, 2016. The moment I requested the full {$1000.00}, I was assessed a 15 % fee or {$150.00}. I was unable to make the payments of more than {$230.00} every 2 weeks as I thought there would be much smaller monthly payments - not payments of nearly 1/4 of what I borrowed every 2 weeks. That 's what I get for not carefully reading the fine print. Interest was compounding daily on the original principle and I received statements every 2 weeks with interest in the amount of more than {$100.00} each time. By the time I came up with the money to pay off the credit line, exactly XXXX days from the date I received the loan, fees and interest had driven the amount owed to {$1400.00}. That 's more than 42 % return for allowing me to use {$1000.00} for 55 days. Beware! Read the fine print! Stay away from pay day loans.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I worked with Wells Fargo Bank for three months in order to get a commercial mortgage loan for a property in my town. On XXXX/XXXX/15 I met with my Wells Fargo Broker and he told me that I was " locked in '' at 4.75 % interest rate. And he did use the words " locked in. '' I was Ok with the rate so I continued my due diligence and forgot about my loan because I was " locked in. '' We closed on XXXX/XXXX/15. At the closing table my Wells Fargo Broker handed me and my wife the closing documents and the rate said 4.86 %. I had a lot of things going on so I had forgotten the " locked in '' rate. I asked if this was the rate we had locked in at. The broker just explained how good of a deal this rate was and that he had just given a loan at 5.1 % so my rate was great. In hindsight, he never answered my question as to weather that was the " locked in '' rate or not. I had XXXX choices : 1 ) walk away from the deal because this did n't seem like the quoted rate, or 2 ) sign and secure the property. My wife and I signed the papers. Next I went home and looked at my notes from XXXX and my suspicions were correct. He increased the percentage rate on the closing day without notifying us, ever. Even at closing he did not notify us that the rate was increased over the " locked in '' rate that he told me in XXXX. 
I understand that sometimes rates change and I can handle that, but when you never tell your customer about the change that seems pretty rotten. I made the assumption that when he said we were " locked in '' that meant that the rate would not change. It is especially rotten when you are at closing and the broker puts it on the table basically saying walk away from the deal or sign my paper at this higher rate. 
I looked through my emails and notes and I could not find XXXX time where he put my " locked in '' rate in writing. It was only in my notes. Next time I will ask for it in writing and take that paper to closing. 
This especially hurts because I felt like I had a great relationship with this broker. We met, talked on the phone, and conversed through email many times over three months. We were on great terms and I trusted him fully. Then he does this to me. Not cool. 
I looked online at the Wells Fargo Vision and Values written by XXXX XXXX the chairman. He talks abut how honesty, trust and integrity are essential in dealing with customers. He also talks about open honest XXXX communication and building long-term relationships with customers. He also relays how the Wells Fargo reputation extends from their character and how their brand is what people say about them. In the end, I experienced none of this in my Wells Fargo experience. XXXX XXXX is correct about how reputations extend because I am telling all my investor friends about my experience there and that I recommend that they stay away from Wells Fargo.

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