vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At few years ago, due to a family death, I requested my mortgage company to allow me to miss a payment so I could attend my sisters funeral out of state. I was told that I could do a remodification ( but could not make a payment for 3 months ). I explained that I could make the 3 payments but, I was told during the modification, I would not be allowed to make payments, that the company will notify me when my next payment would be do. This has caused a big bite out of my credit report. I need your help in getting this removed.

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 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been working with XXXX in respect to a loan modification with my lender Wells Fargo for a few months now. I have submitted all my documentation and yet Wells Fargo keeps asking for the same information or stating that additional and more extensive paperwork is needed in order to review my file. They have all the documents they needed and yet are refusing to postpone my foreclosure sale scheduled for Monday XXXX XXXX, 2016 and are violating my XXXX Rights. I feel as though they are playing this run around game and forcing me to have to go through foreclosure and sell my home. I feel they should postpone the sale and allow me time to be fairly review for foreclosure alternatives. Putting a foreclosure sale and forcing a deadline when they have everything they already need is completely unfair and causing stress and anxiety to my life.

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 2017-02-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a statement XX/XX/XXXX stating total payment due XXXX. I then received a phone call XX/XX/XXXX stating that I owed XXXX.My payment of XXXX showed on the statement. When asked why they are calling stating I still owed XXXX all I got was that 's your unpaid portion. Every time I get a new statement from Wells Fargo Mortgage it shows a different amount owed. My final mortgage payment was supposed to be on XX/XX/XXXX. I received a new statement stating that I still owed XXXX I had asked on several occasions what the additional amount was, also asking for a written detailed explanation. To date all I have received are additional interest penalties. Their statements are very misleading and they are not fourth coming when asked for detailing explanations.

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 2016-02-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a Secured Credit Card with Wells Fargo in XXXX 2014 with an initial collateral deposit of {$300.00}. I was told, upon review of my positive account history, my account was eligible for graduation to an unsecured card. I used the card for a year, made my payments on time, if not paying in full, never went over my limit, and kept careful watch over the card. I called Wells Fargo and requested a {$100.00} increase to my credit limit, which required another {$100.00} collateral deposit. I used this limit for a while. 
Last year, I called and asked a banker what was keeping my account from graduating into unsecured, and if it is not eligible for graduation I would like to cancel my card. She informed me to " hang tight '' and do not close it yet as I was " very close '' to graduation. She specifically told me that I should be graduated within the " next two months. '' Here I am a year later, still on the secured card from Wells Fargo. They now tell me that there is no way that they can tell when the accounts will graduate, and that I was severely misinformed by the banker who said I would graduate. 
When I first got the card, my credit score had a few blips on it, all of which were taken care of in the first year of having my card. Since then, I have been able to increase my credit score to XXXX with no collections or late payments on my account. They are now telling me that my credit score is something they take into account, and that may be a reason why they are not graduating me. 
I feel that it is unethical, and possibly illegal, to promise me a credit card will be unsecured " in two months, '' if that is not the case. Now, the phone bankers are eager to try to pull a credit report and get themselves a " referral credit '' in trying to open me up a brand new account. I keep refusing this, as I am not wishing to have a hit on my credit report for their referral credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a memeber of XXXX. I used my XXXX credit card to pay my share of the monthly membership dues, {$100.00}. There is another woman on my membership who pays the same amount, as we split the cost and membership. My membership was suspended on XXXX 2015 because I did not pay for a part for a boat i was using and they said I damaged it. I called XXXX XXXX on XXXX XXXX, 2015 and told them I was disputing the XXXX and XXXX charges XXXX and do NOT allow them to charge my credit card any more! I then called XXXX and left a message stating I disputed the charges and to stop charging my credit card! XXXX XXXX allowed them to keep charging my credit card til XXXX! I have been going back and forth with XXXX XXXX to get my money back. It 's always a different story with them. They told me '' when you called it was after hours so you talked to customer service not the dispute center. So someone dropped the ball there! I have all my documentation, voice messages from the owner XXXX, still I have not gotten a full reimbursement almost a year later!

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 2017-01-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Double charges of interests. 
Macy 's charged me interests several times for one time of late payment. I was late for a payment once, and there was a late fee and interest. I paid the full amount, {$95.00}, and this amount included the late fee AND the interest. This was due on XX/XX/2016, and I made the payment on XX/XX/2016. But Today, I found out that they charged me interest ( something called minimum interest of {$2.00} ) for XX/XX/XXXX AGAIN after this payment. Since I made the full payment before the due date, I am not supposed to owe any more interest. But they charged me again for the interest. According to their way of calculation, even if I pay the full amount, I am still owing another interest. Then, when am I ever done with the full payment? I will always be in debt, wo n't I? This is an out right exploitation and fraud. I never heard of anything like this. The amount is small. So, it is not about the amount. I am sure they have exploited MANY consumers this way. Today, I paid {$6.00} total for the double interest that they claim that I have to pay. Since Macy 's have a lot of customers, I am sure that a lot of consumers are subject to this act of fraud.

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 2015-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XXXX XXXX, 2015, Wells Fargo had my checking account available balance listed as {$670.00}. I withdrew {$500.00} from the account, which left a balance of {$170.00}. The receipt generated after my withdrawal showed the available balance as {$170.00}. The next day, it was clear that Wells Fargo incorrectly listed my available balance too high and a downward adjustment was made. The lower balance appears to be correct. However, I was charged a {$35.00} overdraft fee for the ATM withdrawal. I should not be penalized {$35.00} fee because Wells Fargo incorrectly listed my available balance as too high. At the time of the withdrawal, there were no pending transactions that would bring the available balance down. As a result, it 's clear that Wells Fargo incorrectly calculated my available balance. The receipt generated after the ATM withdrawal in question will show a positive balance before and after the withdrawal. I ask that the {$35.00} fee be returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells fargo is trayin to make me Pay for a check that i never deposit into there account And this is the reason why they ofer me a secur crdit card and close IT right away, i belive this is not fare. 
XXXX THE I RESIVE A CHECK FOR A COMPANY Y DO N'T REMEMBER THE CORPORATION, BUTI BELIVE THAT WAS A SCAM, I ASKEF THE TELLER AND SHE SNACHED THE CHECK OUT OF MY HANDS AND SAID THIS IS VOID CHECK, BUT STILL DEPSIT IT ANY WAY, DID NOT GAVE ME CKECK BACK FOR ME TO DESTROY AND STILL DEPOSIT ANY WAY. THANK YOU FOR YOUR TIME AND CONCERN REGARDING THIS MATTER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Disputed the account being in collections due to it being fraudulent. Contacted Wells Fargo and they had no record of charges in order to prove we did not open or have control of the card. It has been more than a year ( exceeding the 30 days required to respond to a dispute ) and nothing has been provided to us. We are demanding that the report be removed from our credit history. The account is listed twice, both showing " disputed '', and we want both to be removed.

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 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is concerning Wells Fargo. They did not open an account without my knowledge ( that I know of ) But they pressured me to open an XXXX checking and saving account. If I did not I was told my XXXX checking/saving account would have fees. With the XXXX extra accounts, I was to transfer money to the XXXX accounts once a month. then no fees. At the Wells Fargo office I was told they set it up to automatically transfer for me. They did not. My fault, that I did not notice for several months. I incurred fees on all XXXX 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 2015-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I refinanced my house on the last day of XXXX 2015. The loan with Amerihome Mortgage was paid in full, yet on XXXX XXXX, 2015 this company took {$870.00} out of my checking account via an automatic withdrawal that was supposed to be closed. They now refuse to return my funds. They have even ignored a complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XX/XX/XXXX I was granted a loan modification with my mortgage lender Wells Fargo after XXXX years and XXXX attempts. I was relieved that I was granted the modification and would be able to remain in my home. 
XX/XX/XXXX I listed my home for sale and attempted to obtain a mortgage on another home. I was denied the new mortgage due to a low credit score resulting from the years of " late payments '' that were reported by Wells Fargo during our working together to obtain the modification. In addition, I was recently told that due to the modification, I would not be able to attempt another loan for a mortgage for XXXX more years. These dings on my credit and inability to apply for a mortgage were never spelled out during the process. 
In addition, I also now have a lien on my title from FHA for XXXX. Please advise! 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had a personal company check double cashed the first time by my ex wife ( XXXX ). I let Wells Fargo know I had done a mobile deposit of the check and ex wife took the physical check and redeposited it. Wells offered me a new account and told me it would not happen again. I let them know she may have other physical checks where I mobile deposited them. Wells assured me that with a new account, new card protection etc this would not happen. A year later another check from a vendor XXXX deposited in my name was returned to my account since she no longer banked with Wells Fargo. I contacted her bank and let them know of the fraud ( XXXX ) who indicated the check did not come back to them ( She undersigned her name ). Wells refused to look into the matter, claimed I should have destroyed the check again which I did not have access to and had explained they said I was protected. The check was in my name but she deposited via ATM into XXXX. The vendor ( XXXX ) wrote a letter also asked Wells to look into the matter and correct it. I have spent over a YEAR trying to get funds back Wells took from my account that was not supposed to happen again.

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 2016-02-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Our client, XXXX XXXX, received a loan modification approval dated XXXX XXXX, XXXX. She was unable to make one of the installments timely as she was injured and have all necessary documentation to support. She attempted to make the payment during her recovery but Wells Fargo was reluctant to accept. Litigation efforts proceed and eventually a sale date was scheduled for XXXX XXXX, XXXX. 
XXXX XXXX retained our firm to assist with the loan modification efforts on XXXX XXXX, XXXX after exhausting all efforts to contend with Wells Fargo on her own. A fresh loan modification package was submitted on XXXX XXXX, XXXX per fax as suggested by opposing counsel. I contacted Wells Fargo directly on XXXX XXXX, XXXX and was given items that were missing or need clarification, contacted our client, and provided them to Wells Fargo on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I followed up again with Wells Fargo who indicated that the file was denied on XXXX XXXX, XXXX ( no time to review requested items ) and denial was never provided to client/our firm. Verbally, the reason for denial was given to myself on XXXX XXXX, XXXX siting that a loan modification was extended and that unless there was a change of circumstance, there would not be another modification agreement. Wells Fargo was unable to locate the denial letter and the reasons for the denial. There is a sale date on XXXX XXXX, XXXX. I submitted the loan modification well within CFPB guidelines in order to have an opportunity to cancel sale. They are reluctant to do so. I will attach the reasons that XXXX XXXX attempted to make her loan modification beyond the timeframe ( XXXX, XXXX ). Further, I have attached the only correspondence provided by Wells Fargo dated XXXX XXXX, XXXX requesting more documentation for her loan modification application. I have also included a hardship letter explaining these circumstances as well. 

I ask for the sale date to be postponed to allow Wells Fargo to review the loan modification properly.

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 2015-12-12 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SECURITY FINANCE CORP
State: UT

Complaint narrative:
This debit collector does n't have my name correct nor did they put my exact address at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The bank decided to cancel my debit card without notifying me. I just had XXXX 5 days ago and my father has been helping me out by going to the super market and purchasing food for my XXXX children. Yesterday XXXX/XXXX/14 he went to the store and my card was decline. I checked my account and had enough funds to purchase our diner. I called customer service and was told that my debit card was cancel because if was good for 3 weeks until I received my new cars. Well I never received a new card and my old XXXX was cancel. The associate said it would take XXXX-8 days to receive the new card, I asked if they could Rush my card and the associate places me on hold to ask her manager and was advise that they could not rush my card because they do n't have the ability. I ask to speak to the manager and the associate gave me so much push back. She finally transfer me to XXXX XXXX XXXX, and he again asked me to go to the branch after I told him I could n't walk because I just had XXXX. I have been descriminated numerous times by Wells Fargo Bank because of the type of account I have. If I would have been told that having an opportunity account meant that I would be charge fees when ever they felt like it or reject my request to cash a 16 dollar check I would had never open this acxount. It 's so unfair that I have to wait 8 days to spend my money because the bank could n't Rush my new debit card. I want a formal apology and a reason why they could n't Rush my debit card. Why do I get discriminated so much? I am hurt and feel horrible by all the abuse I have accounted by Wells Fargo. This bank should not be allowed to discriminated customers based on their account type! Wether I am poor or rich I have the right to be treated fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had my account with Wells Fargo for almost 2 years. During the XXXX season my card was blocked 8 times prompting me to call Wells Fargo each time and verify my transactions. It was embarrassing ; I would swipe my card with funds available and the card would be declined. On XXXX/XXXX/2016 I was told that my account was closing due to too many " claims ''. When I opened my account I was told that there was a {$0.00} liability clause for claims. It was never stated to me or anywhere in the policy that I could only have a certain number of claims in order to keep my account open. My account was placed on hold and I was n't even called or e-mailed about this. I had to call the customer service line who advised that there was a hold on my account. The customer service line then transferred me to " Loss Prevention '' where the rude representative did not answer any of my questions. She just kept repeating that this was a business decision and then she disconnected the line on me. I went into a local branch located at XXXX XXXX XXXX XXXX and spoke with XXXX XXXX because for some reason my account was closed or in the " process of closing '' but Wells Fargo was still accepting my payroll. XXXX, whom was very XXXX and made it very clear that he was disinterested in speaking with me because I am no longer a Wells Fargo customer and needed to take my business else where told me that I would needed to go to the Wells Fargo located on XXXX XXXX in XXXX to withdraw my money. I knew this was a lie because I had already spoken with my HR department who advised that the money would come back to them and they would disburse in the form of a check. When I tried to explain this to XXXX he was n't listening and he stated that I no longer had an account with Wells Fargo but could open an account else where before prompting myself and sister to leave the facility without incident. The fact of the matter remains that Wells Fargo does not state any where in their policy that they would close my account due to X amount of claims and in my opinion and legally my account should have never been closed ; especially without my knowledge.

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