vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Is Navy Federal Credit Union in violation of escrow policies and procedures? 
When the escrow account has a balance at the end of an escrow period, a refund should be processed as the funds collected were for the payments scheduled for the escrow period. 
Navy Federal Credit Union is collecting and holding escrow payments for subsequent periods instead of ending the current escrow period and identifying accurate projections and payments for the following period. 
Additionally, Navy Federal Credit Union has informed its customers that they are now doing escrow analysis on a different calendar year than before, XX/XX/XXXX-XX/XX/XXXX instead of XX/XX/XXXX-XX/XX/XXXX. Has the bank received special permission to change the period? Are other banks doing this practice? Have escrow guidelines changed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have submitted financials and request for mortgage modification to Wells Fargo several times in the last year. Wells Fargo has refused to lower my house payment and interest rate. I became late on my payments when my mother became XXXX, I 'm my mother only care giver, I 've had additional medical expenses with the doctors visits and her medicines. I do want to keep my home. Please assist me with getting my mortgage modified.

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 2016-08-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On the XXXX of XXXX, 2016, I went to the XXXX XXXX XXXX branch of Wells Fargo bank to make a money transfer. I explained to the personal banker that my friend in XXXX has asked me to transfer this money to his friend ( XXXX ) in Ohio who is in distress and needed the money urgently. My friend in XXXX was going to refund the money to me the following week. 

He banker successfully made the transfer for me ( evidence attached ). My friend informed me XXXX had not received the funds after two days and I went to the bank on XXXX of XXXX to inquire that. The banker told me it takes three working days for the funds to hit the recipient account, and that he should be expecting the funds by Tuesday. 

Basically, as I write this complain, XXXX has not received the money, and Wells Fargo is not doing anything to get my funds back to me even when I have since requested for the transaction to be cancelled and my monies returned to me. The recipient has borrowed monies elsewhere to solve his problem and asked me to get my money back since it could not come on time. 

Wells Fargo continue to tell me the funds have been sent, yet XXXX who are the bankers of XXXX deny receiving any funds from me on all the three occasions that XXXX went to inquire about the funds, the last of it been XXXX of XXXX, 2016. 
I must emphasize that, I do call Wells Fargo on phone to talk about this almost every day, and have gone to the branch I made this transfer on countless occasions. 

I needed this money last week ( in addition to a delta voucher I have already ) to get a ticket to visit my family ( in XXXX ) during the XXXX. I could not get the money and now prices have shot up since then and continue to go up since. 

Why would Wells Fargo treat a poor international student from XXXX in this manner?

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 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo opened numerous accounts that were unauthorized starting approx. XXXX, including XXXX credit card. One time a significant amount of money was transferred into my new account. I brushed it off as employee incompetence, and because I had a large number of automatic withdrawals coming out of that account each month, chose not to change banks. 

After hearing that Wells Fargo did this millions of times, I called to have my account closed immediately. I had a previous issue with overdraft fees being charged that should not have been charged, and an unauthorized transaction in the amount of nearly {$4000.00}, so I was overdraft at the time. On Sunday, XXXX XXXX, XXXX, I called to finally close my account. I told them I had been the victim of the fraudulent schemes and was sick of being charged overdraft fees for unauthorized transactions. They refunded enough fees to get my account to a balance of XXXX and told me it was closed. 

I wanted my account closed immediately due to fraud, and notified the multiple companies whose payments were debited automatically from that account, however most told me that the pending payments could not be stopped. Wells Fargo in fact apparently did NOT close my account, and charged me, as of today, nearly {$1200.00} in overdraft fees for these transactions I was not able to stop. ( The whole reason I went to the trouble of closing my account was because they committed fraud and forgery to begin with, which was their doing to begin with. ) After calling their customer service number, I was told they would waive approximately 15 % of the fees. I told them I was n't paying any of the fees because I had to immediately close my account due to their fraudulent activities and could not stop the automatic payments. Furthermore, I do not understand how a " closed '' account could incur those fees. They accused me of not having closed the account, even though all my other accounts were closed that day, and I have phone records to prove I was on the phone that day XXXX XXXX XXXX ) with them. Furthermore, they credited exactly enough fees to bring my balance to {$0.00}. They accused me of lying. My wife heard the conversation as well. 

Finally, I began receiving autodialed calls trying to collect the overdraft balance that I do not owe. I told Wells Fargo they were harassing me and I did not ever wanted to be contacted by their bank again, for any reason. They responded that they took my phone number off the account but that I may receive future calls because my account is overdraft. I responded that I would sue them for harassment if they did not leave me alone. 

I want my account CLOSED, the fees that I DO NOT owe taken off, and I want Wells Fargo to stop harassing me immediately. Further, I want compensation for all the time I have wasted the past 3 years dealing with their fraudulent accounts and fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: ID

Complaint narrative:
Several months ago my mortgage was bought by a company called Amerihome Mortgage, as soon as they started they sent me a letter saying I was short on my Escrow account, and raised my payment by about {$100.00} which made my new payment go from {$1300.00} to {$1400.00} this was XX/XX/XXXX. Which I complied by, back around XX/XX/XXXX, I submitted information to have my PMI to be removed, they sent me a email that said I had met the requirements and that on XXXX/XXXX/XXXX it would be taken off, I asked for my statement be sent to me showing my new payment would be, that 's the other issue I have asked that a monthly statement be sent to my home each month since they took over my loan, still no statements, than just this week I received a letter telling me that my new payment would be {$1300.00} starting in XX/XX/XXXX. And that my escrow account was short {$260.00}. I have paid the full amount of {$1400.00} right up to XX/XX/XXXX which would have {$340.00} over paid since XXXX/XXXX/XXXX. Which would make a total of {$79.00} over paid to cover the {$260.00} they say I owe on my escrow. I keep calling to resolve these XXXX issues but get nowhere?? They do n't return my calls, or email complaints leaving me to this point of filing a complaint and try to get help resolving my XXXX issues, and I guess also the escrow account seems to be messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The principal balance on my mortgage was more than what it should have been by XXXX dollars. I had to take XXXX customer service agents through all of the payments - and still they would not agree to change the principal balance. Now the process has been forwarded to the executive office, where i am hoping that this issue will be addressed. 
If this happened to me - then it could be happening to millions of folks. Mortgage accounting is deliberately made complicated so that people wont be able to understand. This needs to be fixed.

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: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My partners and I have a Wells Fargo business checking account that we mobile deposited {$3300.00} into on XXXX/XXXX/2016. The check was from a vendor who 's account is with XXXX here in XXXX. A few days later the funds were pulled out of the account and we were told that the check and been flagged for an inconsistency with the vendor 's signature. After inquiring with the vendor we learned that they never received the funds back from Wells Fargo and thus could not reissue the check. Following this we were also unable to locate the original physical check. Wells Fargo proceeded to open an internal inquiry into what happened and discovered that the check had been deposited somehow at a XXXX. No one within the business possesses an account at XXXX or presented the check at any location. This is the only information we have been able to get and Wells Fargo, XXXX, and XXXX all claim an inability to take any further action to help us recover our funds. Our local branch manager at Wells Fargo is highly unresponsive and what information/assistance we have been able to get has been limited. An individual was able to fraudulently deposit or cash in our check without matching ID or any real verification.

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: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Paid the amount agreed. Contacted the company they said I honored our agreement but the have XXXX to report this to the credit bureau.

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 2016-10-20 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 had to use Wells Fargo several times to cash a tenant checks or a state checks. I would dread going to the branch because they would always give me a hard time about not having an account. They would come up with excuses why they could n't cash my check, requesting my finger print each time. Two of those many frustrating bank visits I was told to just open an account to make my check cashing process easier. Twice I had a checking opened for me and I think a savings account as well. I told them I would never use their bank because their hours of operation were not convenient for me. Each time I opened these wells Fargo accounts and deposited money ( about {$50.00} each time, thank XXXX I followed my gut. I lost most of my retirement money with XXXX, NOW THIS? ) within months these accounts were closed BY THE BANK with a {$0.00} balance because the bank depleted my bank account with their ridiculous fees. Feel free to check it out. I never liked or trusted Wells Fargo. XXXX XXXX should also be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
The property address:XXXX XXXX XXXX XXXX XXXX has been in foreclosure since XX/XX/XXXX with no resolution. I complied w/all requests. 
The process of foreclosure started XX/XX/XXXX. I hired a short sale atty and realtor to help get the sale resolved quickly. Wells Fargo continued to give us the runaround for well over one year. Finally, XX/XX/XXXX they approved the sell but by this time I had to file bankruptcy due to the expense of maintaining the property. I had to dismiss my yard and pool man due to lack of funds. It was my understanding that Wells Fargo would make sure the upkeep of the property was continued. I have received a bill from XXXX XXXX ( XXXX XXXX XXXX ) for y maintenance of the property in the amount of {$240.00} for yard service. I do not have the money to pay this bill. Wells Fargo will not allow me to ask questions on my own account. The reps handling the acct # XXXX are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The ph # XXXX and fax # XXXX Consumer 's Desired Resolution : Wells Fargo has been gathering information on me and the property for almost two years. This process should not have taken this long. I want to have my situation resolved w/n the 30-60 days. I want Wells Fargo to pay the bill for maintenance. There should be open line of communication w/the homeowner 's association regarding what is required to satisfy the deed restrictions in that community. Please have Wells Fargo pay their attorneys that they hired to setup the foreclosure.

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 2016-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been searching for assists for a loan modification from Wells Fargo or a hold off on a sell date of my home so that Wells Fargo can review my income and expensive to try and get a modification on the loan. I was denied in XX/XX/XXXX, and was waiting to receive my tax refund to pay the amount to make my mortgage current after finding out I was denied. When going into an local branch to make the payment, I found out that I could not make the payment because I was supposedly three days late. With receiving a raise in pay and modifying my bills I believed I would quilify for a new loan modification and was told by a Well Fargo Rep what to send in. I did just that and on XXXX/XXXX/2016 I faxed all the documents that was asked. I was also told by the Rep that the review would only take 24 hours. Then after not hearing anything in the 24 hours, I called and then was told by another Rep that it could take 72 hours. But their could be a decision made later that day. After not hearing anything again I then called back and was told everything should be ok and I should receive an answer because I had all the information in by XX/XX/XXXX. Not hearing from Wells Fargo continued and I had to keep calling to try and get an update. I call today XX/XX/XXXX. And was told because my foreclosure date is Monday XX/XX/XXXX that they did n't have time to review my loan modification.

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 2015-09-17 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Integrated Recovery Services
State: CA

Complaint narrative:
They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA XXXX XXXX ; he laughed & said " have your attorney call ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
There is an error in reporting of payments posted to an account. Wells Fargo issued an Overdraft fee that in my bank register I can not verify ; however, the bank can see the Overdraft and say there is no error on the banks part for the posting order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells fargo charges my bank account for fees without authorizing it through me first. I received fees in my savings account for completing too many transfers in one month. Fine, but I believe I should receive warning that the fee will hit my account so that I can make sure that the money will be there rather than them doing it without notifying me so that I am hit with that fee plus another overdraft fee because there is no money in the account. I called they would not refund me the XXXX dollars and I explained to them had I known I hit the limit of transfers per month, I would have gone to the branch store and done the transaction. Also, I received a fee in my checking account relating to a closed credit card. Because I could not make the payment on time wells fargo took money out of my checking account, and my checking account could not cover the transaction, so I was dinged with another XXXX dollar overdraft fee. I believe I should be notified, I have never seen a fee like this for a closed credit card account and if they are going to do that I would like notice so that I can make sure the money is in there or pay them by other means. Also, multiple time I have taken money out knowing that I was going to pay a fee of XXXX dollars for an overdraft protection. Multiple times I check my account everything has been posted so I agree to taking out XXXX dollars for a XXXX dollar fee. But what happens a couple of days later I check my account and transactions that were posted before the XXXX dollar withdrawl are somehow showing up after the withdrawl and I am dinged with more than one overdraft fee. I have been a wells fargo costumer for 3 years, my parents have been a customer for many and have multiple lines of credit out with them for a mortgage, renovation loan etc. Please help I am being charged thousands that I do not have and banks and insurance companies are aware of my credit but if I keep getting dinged I do n't know how I am going to ever save or have decent credit.

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 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage Acct # XXXX was paid off XXXX XXXX and currently says on my report ( XXXX & XXXX ) 120+ Days past due in the " Status '' line. This account has been paid in full even when it was in pre-foreclosure and I have disputed 4 times with Wells Fargo and contacted the office of the President at Wells Fargo.Both credit burrows have agreed with me that Wells Fargo is n't reporting the right information to them. The contact at Wells Fargo is XXXX XXXX XXXX ext XXXX.Also XXXX XXXX sent me a letter that the first date of delinquency was XXXX XXXX compared to what is reporting on my credit report XXXX XXXX. This letter should have this account purged due to the 7 year law also on top of the issue of the above complaint that is driving my credit score down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
SHERIFF SALE TODAY AT XXXX -Hi. I have been trying to work on a loan modification from Wells, Fargo. 
XXXX XXXX turned me down yesterday afternoon. He said he is investigating my complaints to you. He has not finished with the investigation and is still holding the sheriff sale on my home today. This is not right. XXXX people at Wells, Fargo gave me totally different answers as to why I was turned down ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
In addition, I have received letters from XXXX XXXX acknowledging my inquiry. Every time I call her, I am told that she does not take calls - " she just writes letters ''. How can a XXXX representing Wells, Fargo Home Mortgage not take calls when she writes you a letter? 
Wells, Fargo put XXXX people on my account and each one does not know what the other XXXX said to me. This is not in compliance with the bank regulators. 
Please investigate. Thank you for your help in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
I was having automatic payments taken out of my bank account from XXXX. I lost my source of income, and called to have automatic payments stopped. The payment was still taken out and overdrafted my account. I had my lawyer involved, who had it taken care of from the bank 's side, but i still have XXXX in my collections. I stopped these payments and do not feel like i owe them anything. This was also several years ago, and happened just before my family of XXXX had to be rushed out of the house we lost to back taxes, which them caused my dad to have his XXXX. My family was enduring major hardship at this time, as well as me being told that i owe money i should not have to owe. I did my part, and i cancelled the payments.

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