vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Integrated Recovery Services
State: CA

Complaint narrative:
On XX/XX/2016 I received a call from someone who called herself XXXX XXXX from Integrated Recovery Services at XXXX. It was about my brother-in-law, XXXX XXXX. I told her we did not want to be contacted anymore about my brother-in-law. We are well aware of his poor financial choices, and do not choose to be a part of his downward spiral. She called back three times in the next five minutes and tried to lecture me about my attitude. I would like to file a complaint because one time was all it should have taken before this woman stopped calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo - XXXX Had small biz checking account with WF with {$0.00} fee for min {$3000.00} balance. WF increased minimum balance for {$0.00} fee to {$7500.00} and began charging {$14.00} fee in XX/XX/XXXX. Now have {$70.00} in fees for 5 months. Went to WF to request fee refund. WF changed account to {$0.00} for min {$500.00} balance but said could only refund last XXXX {$14.00} fees because they can only go back 60 days. Requested these 2 months of fees be refunded but they have not been refunded. Account with {$0.00} fee for min {$500.00} balance was not mentioned during opening of {$0.00} fee for min {$3000.00} balance account even though I asked for the {$0.00} fee account with lowest min balance. Have paperless billing and was not notified by email about min balance increase resulting in {$14.00} fee charges. WF says notification was mentioned in monthly statement. 
I request WF account fees, fee notifications and fee refunds be investigated. If WF practices are lawful, then make email notifications of fee changes required for paperless billing 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 2016-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Essentially I got tricked into selling my house in a manner I was unaware of. Instead of the buyer paying off my mortgage and getting their own, it got put into some sort of owner financed deal which left the mortgage in my name. I ca n't have this, because of this mortgage account I can not get approved for any loans because my income to debt ratio is so far off. 
The mortgage is also in extremely poor shape and borderline to foreclosure again. I am unable to contact any of the other parties in the deal and the contact I did have with them did not help. I have the right to foreclose the property if the account is in default but its been in default for over 6 months and no one will let me exercise my rights in the contract. 

Wells Fargo has the mortgage and they have the ability to end this situation immediately via my original loan but I can not get in touch with someone who can take any action or even look into this. As long as payments come in, late or not or wrong amount even, they just keep the loan current. I also get phone calls non stop, everyday from Wells Fargo wanting me to make the payment which I have not made in over 3 years. My family is basically being held hostage by this mortgage, we need a newer car and a home and we ca n't get it. The reason I sold this house is because my wife was XXXX and XXXX throughout the XXXX, all this did was make things much worse. Everywhere I turn for help I get sent somewhere else and I do n't have {$270.00} an hour for an attorney.

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 2015-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
Atlantic Bay Mortgage Group is charging a {$10.00} 'processing fee '' for online payments based on the number of days it is past its due date. 
On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date-No Fee 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} The terms of my mortgage say that after the XXXX there is a late charge. So essentially they are charging me for a late charge before that. It would be different if they charged me the same {$10.00} regardless of when it was due. Since they base this payment on the due date, it effectively is calling it a late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I use Navy Federal Credit Union. They claim to offer fraud protection and to monitor accounts. I rarely use my debit card and pay for most things by my credit card. They have had excellent monitoring of my credit card. I was planning a trip XXXX and notified them of my travel dates. While XXXX, I kept my debit card in an XXXX blocking sleeve and used it only three times. Although my debit card was never stolen, there were somehow ATM withdrawals from my checking account outside of my travel dates. These amounts totaled to over {$4000.00} in withdrawals I did not authorize. When I contacted my bank to report the fraud, they rejected my claim. They stated that since I used the mobile application, I should have noticed the fraud earlier. The investigator, XXXX, refused to speak to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Ameri-Home Mortgage failed to pay my property taxes. After months of complaining the billed was paid. Now I 'm showing a tax lien on my credit 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 explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a Mortgage Loan being serviced by ASC. I have applied for a XXXX Loan Modification in XXXX 2012 - about 4 Years back. I have submitted tons of documents month after month after month. But every time I am getting a rejection or denial for wrong reasons or no reason at all, as happened in the current submission.Case in point, is their latest rejection letter dated XXXX XXXX XXXX ( copy attached ), which gives no specific reason for their denial. However when my 3rd Party contacted them, they say that because, I did not pay the Mortgage payments for over 3 Years, I am not eligible for a Loan Modification. I do not know, where from they are getting this new rule. Is XXXX not devised for people like me who are hard pressed to make the unaffordable Mortgage Payments? Are ASC and Wells Fargo ( the investor ) not participating in XXXX? 
Besides, there is no want of trying on my part, as I have been vigorously following up with them about my modification for the last 4 years or so. In fact it is they who are at fault, in not giving me the Modification and dragging the case on, year after year, despite my full eligibility.

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 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I attempted an online transfer of {$200.00} from my Wells Fargo account to my husband 's Wells Fargo account. During the process, I mistakenly selected an option to send the money to my husband 's old XXXX account, which has been closed for several months, instead of his current Wells Fargo account. The money was immediately withdrawn from my account during Wells Fargo 's attempt to send it to my husband 's old, invalid account. Four days later, I noticed my husband had not received the {$200.00} nor had it been returned to my account. I contacted Wells Fargo customer service. They say I have to file a claim to get the {$200.00} back, which may take an additional 10 days to resolve. My complaint is that 1 ) This online transfer should have been a pending transaction until the money successfully reached a valid account. In such a case, the {$200.00} could have been immediately restored to my account when the error was discovered. 2 ) It 's unethical, and possibly illegal, for Wells Fargo, or any third party Wells Fargo utilizes, to withdraw and retain a customer 's funds for up to two weeks when it was immediately known that the target account for the transfer was no longer valid. It 's unsatisfactory for customers to have to wait for inordinate amounts of time to have money restored to their accounts., when these problems can be securely corrected within minutes, not days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo is the servicer of my home mortgage. They delayed the closing of my mortgage because the bank was not aware of how to calculate interest on federal savings bonds. I have reason to believe that, due to my relative youth ( XXXX XXXX XXXX at time of purchase ) they gave me a worse interest rate than what was available to them, thereby taking advantage of my relative ignorance in the process. They promised to close the day after my receiving my closing disclosure in clear violation of TRID. Wells Fargo has also participated in fraudulent account creation which I believe affected my interest rate. This fraudulent account creation is illegal and immoral. I no longer have confidence that Wells Fargo will handle my money responsibly. I do not believe that they are acting in my best interest. Their fraudulent and illegal actions have affect the price of the service they offer. That is a violation of the mortgage agreement I signed with them. They also demanded escrow payments months after they went into the red on the account thereby hiking my mortgage payments significantly.

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 2016-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been trying for over a year to obtain a loan modification from Wells Fargo without any success. I had previously filed for BK protection last year to save my home from a FCL sale ; however, my BK has been dismissed due to a problem with a creditor on a car loan for my wife for which I was listed as a co-signer. After struggling since XX/XX/XXXX after losing my job, I finally have a steady income and have satisfied my debts with the exception of my home. I fell in default of my mortgage due to a decrease of my income and caring for my elderly parents expenses ( who share my home with me and suffer from XXXX and XXXX XXXX. As of the most recent notice from Wells on XX/XX/XXXX, my total amount due is {>= $1,000,000}. My most recent payments to Wells have been returned and I resent the payments totaling {$3300.00} on XXXX XXXX, XXXX. With my families assistance and including the above referenced payments of {$3300.00}, I am able to contribute {$7100.00} which represents over XXXX % of my total outstanding balance. Last week I finally was able to reach Wells and I received my loan modification paperwork which I am completing and faxing to Wells on or before XXXX XXXX, XXXX. Therefore, I kindly request your assistance in securing a postponement of my FCL sale set for XXXX XXXX, XXXX, while I am considered for a loan modification/repayment plan.

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 2016-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
We applied for a loan mitigation with FBC Mortgage. We were denied twice ( 2x ) due to ( according to FBC ) our income being to low and debt ratio being too high. I was approved for the loan on my income alone and was with the same job with increase in salary. After the 2nd denial, I added my husband 's income ( $ XXXX monthly ) and still was denied. I called FBC on several occasions and the representatives were unable to give me the figures the underwriters used to determine our approval/denial. We are getting the run around and inconstant answers. We are wanting to keep our home and FBC seem to be taking our situation lightly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
" Acknowledgment-receipt of inquire Plan language? 
XXXX XXXX, 2016 & XXXX XXXX, 2016 XXXX XXXX Senior vice President Wells Fargo Home Lending? 

Idenity theft? 
No contract? 
if cross selling, it as not authorized by me? 
Media Suspension for 1 Year? I cant tell? I am not satisfied? 
They continue to write? 

Fine print on bottom of correspondence? Wells Fargo Bank NA NMLSR SAFE Act? 

Spells my name XXXX XXXX XXXX XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
During closing I asked the bank 's representative about weekly payments. I was assured that after each weeks payment, my principle would decline and thus I would save on interest charges on an ongoing basis. After a change in the information provided on their website, I realized they did not operate in this manner. They simply kept the money until four weekly payments were made and only then reduced the loan balance. They had full use of the weekly payments until the end of the month and deprived me of interest savings. When I called about this, they told me that the procedure was covered in the contract by the phrase " full payment. '' It would seem only fair that the bank should fully disclose the implied cost of offering weekly payment in terms of foregone declines in the balance owed and thus higher interest costs.

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 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Well Fargo, my Mortgage holder consistently and willfully refuses to furnish me copies of my Real Estate and School Tax Bills. I have requested this information XXXX times. There is no justification for withholding this information on my property, for a bill that I pay, that they are obtaining from a source other than the duly elected XXXX Collector. I would like them to be compelled to furnish me this information that I am paying for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
In XXXX of 2014, I applied for a secured credit card with Wells Fargo ; I was required to deposit {$5000.00} with Wells Fargo in order to obtain the card ; the bank employee told me that they would hold my {$5000.00} for 1 year after which they would return it to me. Wells Fargo still has my {$5000.00} after I recently decided to cancel their credit card and they now state that they will not return my money for at least 2 months! 
I received a letter from them regarding " closure of your credit card '' with absolutely no mention of my {$5000.00} security fund. It no longer appears on my online summary either. HAD I KNOWN THAT THEY WOULD NOT RETURN MY MONEY TO ME AFTER CLOSURE OF THE ACCOUNT AS THEY HAD PROMISED, I NEVER WOULD HAVE ACCEPTED THEIR CREDIT CARD. WHY ARE THEY HOLDING MY MONEY WITHOUT ANY NOTATION OF IT ANYWHERE THAT I CAN SEE???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
While in process of a divorce I applied for a mortgage in XX/XX/XXXX with Wells Fargo in XXXX, XXXX a property in XXXX XXXX XXXX, Fl. I began moving in XX/XX/XXXX. I was told by a rep that I was approved for va and/or conventional however, while driving to Fl. and discussing the process I was strung along with other complications i.e. mandatory club fees and underage children on the property. When I arrived for the closing on XX/XX/XXXX I had no mortgage. I signed a promissory note with friends so that we could close. Soon after I re-applied with another mortgage company and had the process all over again ... .documentation, etc. Finally after several months I was approved with an additional down payment. I made about two payments to the new mortgage co. and the received another notice that the mortgage was sold again to XXXX XXXX with payments to be made to non other than Wells Fargo, who turned me down in the first place. Keep in mind that I had to pay appraisal fees twice as well as settlement and other extraneous fees amounting to several thousand dollars. Any recourse, for this was a complete rip off and there should be consumer protection against the companies and their personnel who engage in unethical practices and manipulations?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had been looking for a new Credit Card to transfer a balance to and after reading some reviews, I saw that the Chase Slate card offered a 15 month 0 interest balance transfer option and no annual fees which would give me an opportunity to pay off the amount in that period without being charged interest. Perfect right? So I applied online and indicated I desired to transfer a my balance - close to {$8600.00} in the application. They also listed XXXX APRs - 13.24 %, 18.24 %, or 23.24 % that they offered and I would be placed in XXXX of these buckets. So they approved my application, but only for {$3500.00}, and also placed me into the worst APR bucket at 23.24 %. An account was opened and they initiated the balance transfer. Here is the problem - AT NO TIME DID I HAVE AN OPPORTUNITY TO APPROVE WHAT THEY OFFERED ME. If I had known they would not approve the full amount, for whatever reason, I would not have agreed to open the account. I also would not have agreed anyway on a 23.24 % APR which is absurd considering I have good credit standing and securable assets. It still is mind boggling why we allow credit card companies to even offer these high rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX XXXX I was informed that my loan was two months behind, I informed the caller that I was unemployed for a year in a half at that time, but I just got hired parttime and that I would be able to start making payments, she gave me an option of modification, I informed her that I would try to get needed paperwork to her for this, but I wanted to continue to make payments as I could. I received information for modification, I tried to get needed paperwork, due to work schedule it was hard, I was working consisitantly XX/XX/XXXX and I asked that they continue to draft my account for monthly morgage and when I could make additional payments to catch up I would. Wells fargo stoped withdrawing my morgage and I was informed when I called to check on my morgage that it was in forclosure and that a date for sale was not determined. Wellsfargo has had this loan since XX/XX/XXXX with me and the rate is 8 % on a {$40000.00} loan and I still owe that amount. I pay {$430.00} monthly, I have tried several times to get my intrest rate changed or refinance and they refuse and I have 30 years at this rate on this loan. Yes I have struggled with this loan due to my job lost, but this home is worth XXXX and Wellsfargo is sending people to take pictures of my home saying " this home is for sale '' I have the stress of being underemployment and Wells fargo trying to take my home to sell it. I have tried to set double payments and was told no, you have to pay {$2800.00} or do a ballon payment that wll be due in six months. Please help me I want to get away from Wellsfargo that are trying to steal my home for nothing. The intrest alone I have paid this loan off. I have depleted all of my retirement trying to pay this mortage monthly and I miss a couple of payments and they put me in forclosure. Please help me, I am so stressed with this problem. I have called everyday this week trying to set payments and they will not allow me. they are trying to make it look like I am very far behind and I am not they stoped taking my payments.

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