vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I began the process of saving our home under the under the Home Affordable Modification Program in XXXX, which by the way save our home and I am very grateful to our government for making this happen. The issue is that I have suffered a devastating impact that is now impacting our small business. Unknown to me at the time, my payments under the trail period would be held and I would have a 90 day late reported on my credit report. I sent a letter to Wells Fargo on XXXX XXXX, XXXX to request the 90-day late XXXX XXXX be removed. I included all the supporting documentation to demonstrate that I had paid my payments on time as instructed by the bank. In addition that I successfully was approved for the Loan Modification. XXXX XXXX, I received a phone call from Wells Fargo requesting me to send them my credit report. XXXX XXXX, I fax the information. On XXXX XXXX, I contact the bank to ensure they had received my fax. Since they had no record of my fax, I asked for a email to send the documentation to and also confirmation of receipt. XXXX XXXX, I received a letter dated XXXX XXXX, stating " Under federal government 's guideline for the Home Affordable Modification Program we are required to report when the account is past due at the beginning of the Trail Period Plan ''. I contact the person that was handling the account and stated I made the payments on time as I was instructed. XXXX XXXX, I received another letter from Wells Fargo stating that more time was required. XXXX XXXX or XXXX, I received a phone call from the person at Wells Fargo handling my request, whereby I was informed that they are unable to change this reporting on my credit report since it is mandated under the Federal Government. I asked them to provide this decision in writing. As of today, XXXX XXXX, XXXX I have not received any written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for and was pre-approved for a mortgage through Wells Fargo Home Mortgage. I was working with XXXX XXXX, a Mortgage Consultant with Wells Fargo ( XXXX ID XXXX ). After receiving a better interest rate with another lender, I decided not to go with Wells Fargo. As a condition of the mortgage, the new lender asked for a withdrawal/cancellation letter from Wells Fargo because my credit report indicated we applied for mortgage credit with a company named XXXX. Since there was no other bank, lender, or company we were working with other than Wells Fargo and the new lender, this hold up had to be associated with Wells Fargo. I attempted to contact XXXX XXXX and his office multiple times over the course of multiple weeks, but failed to receive any type of response back. This is holding up my ability to receive a mortgage through our lender. Here is the contact information for Wells Fargo : Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, NY XXXX XXXX XXXX Tel ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I wrote a check for {$220.00}, and Wells Fargo posted the check for {$2200.00} which overdrafted my account by {$1700.00} and left me with bills to pay and just a few XXXX in my bank account. They told me there was no recourse I could take and that it would be XXXX days before I can get my money back, even though this was by no fault of my own. I am now left to live on {$150.00} for however long it takes them to fix this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was recently a victim of fraudulent check scam that involved a girl ( Name : XXXX ; Email : XXXX ) who contacted me online through a website called XXXX for sublease. She asked me to deposit checks to my Wells Fargo account and was later asked to transfer the money back to another Wells Fargo account provided by her. Once I deposited the check, the funds were made available immediately by the bank without clearing the check with the other bank ; in this case the XXXX Bank, Texas. ONLY due to this immediate fund availability, I was able to transfer funds to the account provided by the person of interest in this case of fraud. Wells Fargo did not make me awake of the " Overdraft facility '' associated with my account which in the end enabled me to transfer the money to the account. Currently, Wells Fargo is charging me for the check returns as they were made. As a consumer unaware of the overdraft facility, it is a huge burden to be charged for the entire amount which was returned.

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 2016-03-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
NETCREDIT made false statements to cfpb. I suspect impersonation. The ID thief who had been in frenzy of insider trading with the company is at large. The ID thief might be XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A Wells Fargo line of credit was approved and unauthorized funds transferred to a creditor ( See attachments A-E and letter from XXXX concerning resolution ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I do not recognize this account it apparently is a result of identity theft and needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I lost my job and am unable to pay the loan and now they are targeting my spouse since she is the only XXXX with a job at the moment they call everyday visited and harassed me and my spouse called her work and went called our friends to contact us and she is very stressed out since they are threatening to take legal action to garnish her wages for the amount we owe.

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 2016-05-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank has repeatedly charged insufficient funds fee when there are no funds in the account, and they send out notices to that effect. Rather than stop all payments on debit charges and ACH debits, since there are bank records stipulating that account has no funds, they repeatedly decline charge and re-charge insufficient funds. This is definitely a rip-off scheme when Wells Fargo continually make an account negative by adding {$35.00} per item over and over. Further, when I first had an issue with a charge and not enough funds and a check was going in the same day, they would not post deposits, until AFTER an insufficient funds status was used.

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 2016-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I had a Home Equity with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XX/XX/XXXX. However, they did a new update in XX/XX/XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.

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 2016-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to my local Well Fargo bank to apply for a bank account the lady told me that I ca n't get an with Well Fargo no more she said I abuse my bank account. I deposit bad check I told her I do n't have any idea about this so I need you guy to do an investigation I want to my local police department to file a police report.

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 2015-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I initiated a short sale earlier this year. We received an offer back in XXXX and have been waiting for approval on the short sale ever since. The negotiator is now requesting a listing extension through XXXX. It has been months with no resolution. 
Wells is delaying the short sale to allow them to collect more fees. In additon, in XXXX, the property preservation company stole my stove from the property they secured. I called Wells and was promised follow up in a few days. It has been over a month with no follow up. 
I also sent an email to the XXXX XXXX XXXX XXXX on XXXX and never heard back. Today I called in and was given an email address of XXXXXXXXXXXX and advised he was Sales Advisor Consultant. I ca n't even get someone in management to speak with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliant Capital Management LLC
State: IN

Complaint narrative:
COLLECTOR VIOLATED 2 TCPA INFRACTION! SEE ATTACHED PHONE RECORDS, CALLER I.D . ALSO, VIOLATORS OF THE DODD-FRANK ACT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a Wells Fargo mortgage as well as a couple other Wells Fargo accounts. I had set up the mortgage to Auto-deduct from a checking account, but was going to close that account. I deleted the auto-deduct, but apparently it did n't delete and they charged me a {$25.00} fee for insufficient funds. They refuse to remove this fee even though it was their error. The mortgage was paid ( from another Wells Fargo accout ) on time.

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 2016-10-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was given a credit card to finance my carpet purchase from XXXX XXXX, the card was from Wells Fargo. I was told it was zero interest. I reached out to Wells Fargo when a year later I got a credit charge for interest on the account for {$2700.00}. I filed a complaint that they ignored and said too bad for you. I was never provided documentation stating the credit charge would occur. Additionally, Wells is now charging me interest at a rate of 28.24 % on the interest charge. I have paid the the bulk of the original principal purchase off and now Wells is telling me I owe them another {$3000.00} and growing. I would like to pay off my principal balance and have them reverse the interest charges as I was not informed of the terms, they have not produced evidence and they are charging me an excessive rate of interest on top off an interest charge. I do not trust their sales practices based on recent events I feel they are trying to rail road me and deny me my rights as consumer.

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 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The XXXX XXXX rental thats on my account were paid off.On the balance it show '' s balance {$0.00} not sure why its on my report??? you can call them anytime they will also tell you it was paid XXXX is the store phone number. that status says it was closed cause it was paid off all XXXX of them from same company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am reaching out to you because I believe I have been a victim of Wells Fargo mortgage forced insurance fraud with XXXX. As I was paying my insurance through my monthly mortgage payment serviced by Wells Fargo, they were supposed to be paying my insurance company. When I had damage to my house in XXXX 2015, I found out that the bank was not paying my insurance company. They have instituted a more expensive insurance policy that I did not approve of nor was I notified. I have been trying to get reimbursement and have not been totally successful. This has been a systematic and widespread practice throughout the financial industry resulting in multiple class action suits from homeowners numbering in the multiple XXXX dollars. 

As all of my correspondences are in emails and written letters, I am unable to upload most of my documents. Please reach out to me to obtain these.

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 2016-09-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am in Chapter XXXX and trying to modify loan with Wells Fargo, I am getting stonewalled, passed from XXXX point of contact to another, told the procees must begin again and again, and asked for obscure documents to file the 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 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union had frozen my Bank account on numerous occasions as a means of obtaining payment on a credit card and would not allow me access to my account until said payment was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
this account was result of fraud and i never authorized this account and has been disputed numerous times with wells fargo to remove this account from my credit bureau ref Dillards account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received an escrow refund XX/XX/XXXX in the amount of {$2800.00} from XX/XX/XXXX. Wells Fargo has requested reimbursement of this refund XX/XX/XXXX claiming that the refund was an error. When the refund was provided, I contacted Wells Fargo numerous times to confirm that the refund was accurate. In addition, I did not deposit the refund check for several months. I think it is unreasonable to expect a repayment of nearly {$3000.00} more than two years. In addition, I feel that I did my due diligence as a customer to alert Wells Fargo of a potential error. Since receiving this notice on XX/XX/XXXX, I have contacted Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have a letter dated XX/XX/XXXX that Wells will complete research and contact me by XX/XX/XXXX. I received a message on XX/XX/XXXX from a Wells Fargo representative that there has been a resolution and to contact him. I have left several messages and never spoken with him with respect to what the resolution is. Now, I am receiving notices from XXXX XXXX XXXX, XXXX to attempt to collect this debt. In the information provided by XXXX, there is a copy of an email from Wells Fargo to XXXX XXXX on XX/XX/XXXX stating that " we have completed our process and our homeowner has not responded to our attempts to address this. '' I have documentation of my multiple attempts and follow ups and I truly do n't know what more I can do thus I am filling this complaint in hopes that this process can help me to resolve this issue. Thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have had an offer on my house that is the amount Wells Fargo set as the purchase amount. That was XXXX months ago. They keep stalling and asking for the same paperwork over and over again. Why, I cant take care of the property any longer and am moving out as we speak. I would not be surprised if the potential new owners walk.Not my problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
I received a bill from the doctor 's office for a balance. The bill was paid at the doctor 's office. Per the doctor 's office everything was in fact paid in full. Thinking that this one bill must have been overlooked somehow I went ahead and paid Southern Credit Recovery , Inc {$40.00} ( ck # XXXX ) on XX/XX/2016. After paying the collection company I continued to receive bills. I forwarded to the collection company a copy of the cleared check. Even after I have forward to the collection company multiple times a copy of the check and notifying them the bill was paid they continue to send demand letters. I then requested them to no longer contact me and that request too have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My home was in foreclosure for a number of years. After trying to sell it by short sale, I requested a deed in lieu of foreclosure with my lender Wells Fargo. The request was approved by correspondence dated XX/XX/2016. I received a Deed and other transfer documents to execute and notarize. I returned the package to Wells Fargo on XX/XX/2016. According to the approval, I was awarded {$7000.00} in relocation expenses. My problem is that it has been more than 60 days since I executed the documents and have not received the promised 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 non-monetary relief
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: PA

Complaint narrative:
Wells Fargo has not addressed my concerns, and I did not withdraw from the home modification process, So once again they have falsely accused and slandered me. The reason why the process could not move forward is because the new appraisal that they promised they would order was not ordered. They were doing the modification based on a incorrect appraisal using the wrong square footage of my home. I have done everything, everything that they have asked me to do to include taking money out of my pocket to have the square footage appraisal done. Then that was not enough so they wanted me to go to the county assessment office and have them to correct it and I did that also, and the county assessment office of XXXX county has made the necessary corrections in reference to the square footage they have also reassess taxes because the value is less. I have not given them an incorrect phone number this is the only phone number that I have and I half to work. I have asked them to call in the a.m. hours and they still continue not to do so. They promised me they would do an appraisal again if I did everything that they asked and it still has not been done yet, so things can move forward. How can they modify the loan to make it more affordable if the appraisal is not correct. The last time I checked ad a PA licensed real estate agent, in order to do a modification you must have a correct appraisal done to determine the value of the home to see if in fact the person that is in the mist of the modification process can afford the home at the current and correct appraised value. Attached once again is proof that I have done everything that Wells Fargo has asked me to do. As I stated before in my last complaint, I have experience other persons from other races being treated differently in the same situation than I have been treated as a XXXX female.

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