vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Hello-I was recently charged an overdraft fee of {$35.00} XXXX times on the same day by Wells Fargo. I called Wells Fargo to explain that in more than 8 years I 've had my checking account with them, I have never been overdraft. In fact I never had overdraft protection in the first place. However they refused to waive any fees and continued to insist that they have to charge me XXXX times for my XXXX account being overdraft. This is reckless behavior by a big bank. Wells Fargo does not provide any way for me to see my overdraft settings online or give me the ability to turn it off. I get no email alerts if my account goes overdraft or if a customer service person turns on my overdraft settings without my knowledge. So I am asked to pay {$100.00} for a service that I can not see I have, have no ability to turn on/off online, and I am not alerted to its status. I ask you help to have these charges waived. Below are the overdraft transaction amounts and date XXXX - $ XXXX - $ XXXX - $ XXXXThanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a loan modification and have had documents pending since XX/XX/2016, They have never denied me, They keep asking for documents, and we submit them, over and over again, I went in front of the judge last month thinking the problem will be cleared up, but to no avail they are still saying they have not received documents. I am asking for your help in solving this matter. I just want to start making payments on the property.

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 2015-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I first recieved a call from an UNKOWN number, I picked up and a man answered, when I asked him the reason for the Call he said my name and asked me to acknowldege if it was me. He said he was with a processing company and that they were trying to reach me so that they could serve me with papers for reasons that he was not able to say, he gave me a number to the law firm attempting to provide me with summons papers. XXXX I called this number and gave them the case # that the man had provided, they pulled me up and transfered me to their " Legal Dept '' where a lady named XXXX XXXX picked up and told me about a debt that I had never even heard of. A Wachovia bank acct overdrawn {$1600.00} ... she said if I did not pay that I would be sued and taken to court. She then offerd me a settlement of {$750.00} dollars and asked for my EMAIL so i could send her the contract with my credit card information, afraid for my credit score I complied and gave her my email address, after she said if taken to court that I would end up spending thousands more. I called my father and he immediatley understood this was a scam he advised me to file an FTC complaint and advised me not to send these people a single dollar. I am writing this in hopes that some type of action can be taken against these people to prevent innoncent consumers fron buying into these disrgraceful practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
yet again have diputed what wells fargo have not complied to do, over XXXX complaints against wells fargo bank fraudulent forclosure XXXX to XXXX every time i diput because they havnt answered my questions now iam in the process of hiring a atterney to sue wells fargo for fraud and perjury committed in all courts around america from XX/XX/XXXX concurrant the CFPB have done nothing for me or all the other fradulent forclosures and i have all the originall paperform letters and documants no matter how long it takes i will prove that wells fargo committed fraud and perjury

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 2017-01-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is foreclosing on me. My husband died in 2013 he served in XXXX, but the courts and the bank want me out and they r gon na enter my home and take all my posesson 's as well. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Around XXXX XXXX I stopped paying my mortgage because I was injured on the job. I was out of work for a year. I have returned to work. In XX/XX/XXXX I hired an attorney to help me with loan modification - have been denied at XXXX times with Wells Fargo - It 's been going on for 2 yrs - In XXXX XXXX I was denied -unable to create an affordable mortgage payment - then we reapplied XX/XX/XXXX again was denied unable to reduce the principal and interest payment by 10 % - then I reapplied again XXXX XXXX this time I used my brother in law as a contributor who lives with me to show additional income -again I was denied for HAMP for different reasons because I have reached the allowable number of modifications - why was n't I told this from the beginning from the previous denials -HAMP TIER 2 was denied because we are unable to modify your mortgage based on the result of the NPV however I went to the website XXXX I was found eligible. -In addition, they reduced the income that was submitted -I feel I am being treated unfairly and being discriminated - I am asking for your help - I want to save my home and I have been trying to workout out something with ASC and they seem to deny me for different reasons - HELP ME! please investigate this matter with ASC

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I heard the news that wells fargo banks charges fees on unauthorized opened accounts. Around year 2007, I refinanced my home mortgage and when I was about to signed the papers with the notary person in my home I found out that my refinanced bank for my home mortgage was with wells Fargo bank and I was charged a {$300.00} fee if I do n't signed up for the direct deposit to pay for my future home monthly mortgage amount. I thought at the time that was unethical practice to charge a fee just to avoid direct deposit. However, I paid the {$300.00} fee to avoid the direct deposit and to avoid holding up my refinancing home mortgage. I was not informed of the fee when I was going through the refinance of my home mortgage until the closing of signing the paper. Is this a common and legal practice to charge a fee to avoid direct deposit for future payments of a loan? Hope you can help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been sued by New York State Taxation Dept. regarding a Wells Fargo student loan.. Wells Fargo submitted tax information to the IRS regarding XXXX student loan from XXXX that they charged off in XXXX. I had been unable to pay due to being unemployed and my loans went into default. In XXXX I never received a XXXX form from Wells Fargo. The IRS said the XXXX was reported for the XXXX tax year. I had not moved since having contact with Wells Fargo. I was unaware of this until XXXX. I received a bill from the IRS stating I owe them {$740.00} for receiving {$2800.00} from Wells Fargo. Wells Faro reported this to the IRS in XXXX. When I contacted Wells Fargo earlier this year after I received a letter/ bill from the IRS XXXX they said we are sorry you did n't receive the XXXX. Basically they said too bad and sent me a copy of the XXXX I would have received the XXXX in XXXX I would haven taken it to my tax consultant. Now I owe the IRS money plus penalties. How can I be notified 2 years later and Wells Fargo is not accountable for ensuring I received a XXXX in a timely fashion. There only response is we are sorry, here is a copy 2 years 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 explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Golden Title Loans LLC
State: TN

Complaint narrative:
I do n't understand why 745 cash texts me after hours. Yes I 'm a month behind but do they have the right to text my phone. Could n't they text me.the next morning? I thought that was so disrespectful. I 'm going to pay them Tuesday and after that I do n't want anything to do with them if they gone text me at XXXX!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I previously filed a complaint with the cfpb about my mortgage company wells fargo, and am having a hard time logging on to dispute it so I am filing a new one. They are stating that they did not know there was a stay on my property, they have the paper from the judge dated XXXX/XXXX/XXXX stating there was a stay untilo modification completed.They also stated that my home was not illegally sold, against the judges order, on XXXX/XXXX/XXXX, when in fact it was put up for sale that day and did note sell. The bank then took it back, once the sheriff department caught what happened, it took about 2 weeks for the deed to be put back in my name. Believing that they owned the home once again, they immediately filed an eviction motion with the court. Again they are stating this all did not happen when I have proof that it did. They did then move forward in an attempt to sell the home on XXXX/XXXX/XXXX because they believed that they held the deed on the property. It was stopped becasue I filed a motion to compel/force the order, the judge ruled on in XXXX. I now have the opportunity to go before the judge to tell what they have done.The judge informed the attorney for wells fargo that they had the right to appeal her decision. They did not and instead refused to follow her order, waited a few months and then tried to foreclose on the property. They are well aware that there was a stay issued on my property. That is why they were unable to foreclose on the property in XXXX. Also at this point I have been receiving calls and letters from wells fargo, each time with a new person who is supposedly my point of contact. I do not have a single point of contact. On XXXX XXXX, XXXX I received a letter from XXXX XXXX who informed me that she is now my Home Preservation Specialist. They are claiming that she was my point of contact from XXXX XXXX and that it is documented several times that she attempted to reach out to us and we never responded. I have never not answered or returned a call from wells fargo, in hope that maybe the call would contain good news for a change. This woman was never my point of contact. My contact was a mister XXXX XXXX, a horrible rude human being. I am attaching all papers to this complaint so that I can show that there response to my first complaint is an out and out lie.

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 2016-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA

Complaint narrative:
I called the automated phone system of Franklin American Mortgage to make my mortgage payment of {$1500.00}. The system verified that I was make a payment of {$1500.00} and asked me to verbally confirm by saying " yes ''. After which it said I had authorized a payment of {$2200.00}. With noo indication there was a way to stop it. I did call to get it stopped and found out the difference was from a recent Escrow shortage, but the phone system never told me any of this and I feel it was an attempted bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I received an e-mail from Wells Fargo stating that if I use my Wells Fargo Credit Card via XXXX by XXXX/XXXX/XXXX, that I would receive a {$20.00} statement credit. Per the e-mail : " Get {$20.00} when you use XXXX to make a purchase using your Wells Fargo Credit Card during the holidays! XXXX Just check out in a merchant app with your new iPhone ( R ) 6, iPad ( R ) Air 2 or iPad mini 3, or look for the Near Field Communication ( NFC ) symbol at checkout registers in stores and use your iPhone ( R ) 6 Touch IDTM to authorize contactless payment easily. Make an XXXX payment before XX/XX/XXXX, and you 'll earn a {$20.00} statement credit. '' As you can see from reviewing my balance and from the attached screenshot, I made a purchase of {$21.00} using my XXXX XXXX on XXXX/XXXX/XXXX, which is before the XXXX/XXXX/XXXX cutoff date. However, I have wasted hours inquiring about the credit that I never received and was told by multiple people at Wells Fargo that they submitted a request and that I should receive the credit shortly. It has been over a year. I would n't have made the aforementioned purchase if I were not going to receive the credit. This is fraud! 

I will be happy to forward the e-mail for review. The Online Customer Service Code was : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
We applied for a loan modification with American Servicing Company and have been going through the normal hassles where they ask for additional documents even though they are in the original submittal. At the same time our modification was under review that continued with the foreclosure. Now they have denied our application based on their running of an MPV [ a present value ] calculation. We are qualified for the modification - we meet the income tests etc. We ran the MPV on the Fed Government site and had a private company also do the evaluation. Both said we passed. We have submitted the report from the private company [ REST report ] and suggested ASC errored in their running of the report. ASC is saying we were denied and that is it. Now we know ASC will make more money if they can foreclose our home and they are about to accomplish that. Can you review what ASC is doing and help straighten this out. Thank you.

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 2016-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am refusing to pay the $ XXXX.I am requesting the the {$9.00} be reversed and credit to the account asap.I did n't know the check was fake or counterfuit.I am not paying the account ending in XXXX.I never received my check book wallet I ordered.I am unable to use the checks due to the account being closed and I did n't authorized TMOBILE TO G INTO MY go into account.I told them to stop all payments transactions.I told them to cancel all orders.I told them I did n't want to use my account anymore for payment.I am requesting these charges be reversed and brought to a XXXX balanced.Wells Fargo praticesare vert manipulative and deceiving.They ended my banking history over a conterfuit check ididnt write or deposit into my account.I did n't deposit that check into my account.A scam artist who I through was a real true private lender. 
I am requesting a full investigation into evil wicked unprofessional non sensitivity pratices of Wells Fargo.I am a very progressive law student who is very aggressive about corporation respecting and honoring their customers.I am going to give you 30 days to fix this very important matter.If it is n't fix.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.If I am on XXXX.I am requesting to be taken off immediately.This is a complete violation of the Fair Debt Collection Act and The Fair Debt Reporting Act.I will also be filing a complaint with the Federal Trade Commission.I am asking for the a internal investigation.

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 2016-11-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is in regards to Wells Fargo XXXX CA I have had this Visa Card for many years. I fell behind but continued to pay. I started noticing Monthly fees for Purchases & Cash Advances. I have not purchased anything on this card since in over 10years & cash advances were paid back when my payroll check was deposited. I have been requesting an explanation of fees since the beginning of this year. 
There has been no response other than they are looking into it and I am free to call the dispute dept. I want a visual of what I purchased and what cash advances I have generated. My balance is XXXX 90 % is Cash Advance Interest, Purchase Interest & Late fees. I do n't use this card. They do not respond other that emailing me in my in-box telling we they are working on it and I am a valued customer. Nothing is personalized. I have advised them I am not paying until this matter has been addressed ... Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I spoke to XXXX at Sunbelt Credit at XXXX today told them I was sick and probably could not pay until Friday XXXX but would call later in the day after I went to the XXXX . 

XXXX called at XXXX and left a message and then XXXX called again at XXXX and ask wnen I was going to pay, even after I spoke with her this morning. 

I explained to her that I had spoken to her earlier, she said it didnt matter she needed a date when I was going to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
An on-line loan was taken out under my name and Social Security number through Cash Net USA.

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 2016-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Good afternoon, I have a complaint against Wells Fargo Mortgage. My realtor submitted an offer two months ago. It 's been an ordeal. We have complied with every piece of information and at times sent documents two and three times to them. There 's a foreclosure date set for XXXX XXXX and we have a buyer, actually now a second contract. Yesterday, I asked to speak with a manager and all of a sudden one of the key documents appeared ( the appraisal ). After many attempts at reaching XXXX XXXX, the short sale agent, she sends an email now stating she 's waiting on the title and some sort of document because there was a variance on the appraisal. With all the hardship I have been encountering, at times I feel their intentions are " not too help '', but to foreclose. I need your assistance please in obtaining approval letter of the short sale and contract pending an removal of sale of my home so we can close at some later date on my property. 

I thank you from the bottom of my

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 2016-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: GA

Complaint narrative:
XX/XX/2016 I applied for a loan with Paramount Residential Mortgage Group based out of XXXX, Ga. I was mislead in thinking that my loan would be approved by the local loan officer. He kept informing me that we will close your loan. With his confidence, I put money down on a home, paid for an inspection and an appraisal. To my dismay about six days before the projected close date on the contract, he pulls the plug and gives a denial. I feel that an act of detrimental reliance has occurred. I lost money based on his advice.

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 2016-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This complaint is about the Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I XXXX XXXX XXXX previous account # XXXX was told by Wells Fargo Mortgage that the Foreclosure was suspended. I am on a pre-modification at this time. I have made my first payment XXXX XXXX 2016. and will be making my second payment Febuary XXXX 2016, I have received a XXXX Court Letter from Wells fargo attorney Stating They were not informed of any Suspension court date is XXXX XXXX 2016.

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