vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We had a pick a pay mortgage with XXXX XXXX that was sold to Weikovia ( both who are out of business due to these illegal loans ) who sold to Wells Fargo. The rate went up and up and forced us into a bad financial position just trying to pay them monthly to the point we could n't. My husband was ill and no forbearance was given- we went to modify and they kept saying it looked good- to the point they denied us XXXX times - we increased business, added daughters income, rental income sent XXXX pages each time to get them all the documents- always denied. Even though these were illegal mortgages and they received government monies to work with folks like us. They did a modification that really gave us no financial relief in 2009 so this is how they have a loophole to not reduce principal or change the mortgage to a realistic amount and fixed rate. The lawyers made huge money and Wells Fargo bottom line is fine but we Americans are being put out of our homes due to this illegal scam. We even went Chapter XXXX to regroup but had to dismiss it as the payment kept going up and up. We need real financial relief. Have our home up for short sale and when that or foreclosure happens they are better off and we have nothing. We have paid for this home for 33 years. THIS IS SHAMEFUL and the judgements against them are not being used to correctly help many homeowners.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My mortgage is/was with Wells Fargo. I recently did a modification early 2016. In the meantime, while going through the modification, a new program was introduced and I inquired about it. I was told that I would be contacted if I qualify. I called Wells Fargo often to inquire because the program stated that the Mortgage company should contact YOU, by XXXX 2016, if qualified. Low and behold, Wells Fargo sells my loan and I never heard anything about the new program. I called the new Loan company and nobody knows what I am talking about. I called Wells Fargo and now they ca n't speak with me about my mortgage because they no longer service it. I asked them XXXX ( mortgage companies ), to let me know, if/why I 'm not qualified to be in the new program, Please just send me justification as to why, because I have reviewed the qualifications and my situation fits the criteria. I need to know why I have not been contacted about the Principal Reduction Program, either way, if I qualify or not. I feel caught up in the middle with nowhere to go.

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 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have bi weekly payments come out of my account every 2 weeks and during the month of XXXX I requested that only XXXX payments come out rather than XXXX. Since that time it has been a nightmare with Wells Fargo. I had to call back in and reset up bi weekly payments and then they double dipped my account in XXXX causing my account to overdraw. They said I would need to send in proof as to charges so when Is ent it in I covered up my deposit amount and they then said they could not credit me becuase I covered up my deposit amount. I then set up bi weekly payments again with them and instead of taking it out of my account on XXXX XXXX they took the payments out of someone elses account ending in XXXX and my account ends in XXXX. When I called he said ( XXXX XXXX XXXX that the payment has already been taken out I advised him I have no idea who 's account that is. He advised me he would need to do further research, which is what he always says. I just want my payments to come out right going forward and they ca n't seem to make that happen. It has cost me a total of {$75.00} for double dipping, taking out payments on the wrong day and most recently not even taking out house payments on the right account

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 2015-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC
State: CA

Complaint narrative:
A man named XXXX XXXX from CDR called my phone number looking for my mother. I XXXX his name and company, and found him to be a debt collector and possible scammer. I did not give out information, but instead told them to send her a verification of debt and cease communication. I am an attorney and handled legal matters for her before. I did not ask for information on the debt ; I only told him to send a debt verification. He became irate and said I was " full of it. '' He called once more still seeking to get information. I am fairly sure this is a scammer. He has also called other family members looking for my mother 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Honestly, I really do n't know what it is that you guys do over there. I am absolutely dumfounded that you closed investigations XXXX, XXXX, & XXXX right after I submitted more information which showed yet more concrete and undeniable evidence that Wells Fargo had made false statements about this loan. Not even ONE DAY after I submitted new documentation, you closed all three!!! Do you just take for granted whatever a bank tells you w/o doing any due diligence or even bothering to pick up a pocket calculator and doing a simple exercise in math which would have taken you two minutes to prove that I was right? You have wasted my time and yours because I actually thought that as the Consumer Fraud Protection Bureau, that 's what you do. I saw no analysis, no investigation, nothing of any sort that leads me to believe you actually accomplished any thorough review of the matter. You were given a trove of documentation that clearly laid out a pattern of errors and dishonesty on the part of the bank, yet you just accept whatever the bank said as gospel and nothing I said carried any value. I will be reporting this to my Congressmen and Senators ; your organization is patently and absolutely useless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Good afternoon, My name is XXXX XXXX. 

On XXXX XXXX My ex husband walked into a Wells Fargo branch in XXXX Texas and withdrew {$26000.00} from a joint bank account that only had {$760.00}. This withdrawal was authorized by the bank Manager XXXX XXXX. The account now has an outstanding balance of {$25000.00}. I currently work in XXXX and have spent 3 weeks trying to find out how this was possible. Two days later, my personal and separate bank account was frozen by the same manager that authorized the withdrawal. My attempts to contact XXXX XXXX XXXX have failed as I am transferred multiple times and informed she is on vacation or not available to take my calls. The actions of this banker made it impossible for me to pay bills, put gas in my car and buy food. My attempts to contact other wells fargo branch executives have been met with multiple phone transfers ending right where I started. I have spent 3 weeks playing this cat and mouse game and what seemed like a ray of hope when I sat with a Branch manager in XXXX, teling me the bank was wrong in doing so and that they would follow up with the " resolution department '', later ended in a phone call that once again told me I was responsible for making payments to this balance. I recently received a letter from Wells Fargo Overdraft Deposit Collections and Recovery Department informing me that the money in my frozen account has been used to off set the outstanding balance. When I called the phone number provided I was informed there was a note from XXXX XXXX XXXX stating it was ok to go ahead and off set the balance. To date I am yet to receive a return phone call from the Bank manager, who continues to practice as a banker in the wake of ruining lives. I am out of options and as a result of these transactions I can not afford an attorney to take a major corporation to court.

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 2016-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a Wells Fargo mortgage holder. I pay my monthly mortgage payment via the Wells Fargo website each month. Unfortunately, I pay my payment after the XXXX of each month so I incur a late fee. I used to be able to pay the monthly late fee each month with my monthly payment. However for a few months I was not able to pay the late fees but I paid my mortgage payment. 
The issue is that within the last couple of years, the Wells Fargo payment website was changed so that it does not allow you to pay that months late fee without paying the entire late fee balance. As a result, I have about 18 months work of late fees racking up and that will continue to rack up. 
The complaint is that Wells Fargo changed their payment website to not allow customers to pay that months late fee without paying the entire late fee balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a Secured Credit Card with Capitol one, they received my deposit of XXXX dollars, on XXXX/XXXX/XXXX, they sent me a Card ( XXXX ), on or around XXXX/XXXX/XXXX I was notified that my deposit was not on record, and my account was going to be closed, I called then on XXXX/XXXX/XXXX and was told to disregard the letter account is in good standing, on XXXX/XXXX/XXXX the card was closed, I called then and they acknowledged it was a error and reinstated it ... again on XXXX/XXXX/XXXX it was re-closed and is no longer allowed to be re-activated, I was charged a yeary fee of XXXX just prior to closing, i Received a letter from them on XXXX/XXXX/XXXX stating by my request it was closed, absolutely false! 
and they reported it to my credit file as via my request? 
As of today XXXX/XXXX/XXXX I am without my XXXX dollar deposit, nor do I have a credit account, and their action dropped my credit score, they also in XXXX XXXX, inquired into my credit file with reporting agency over 14 times, causing excessive inquiries on my file, and I was declined for credit by them during this time due to too many inquiries ... 


As you can see via the letter dated on XXXX/XXXX/XXXX over a 12 month period of date prior, they 1 year later said they did not have my deposit??? / help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo Bank , N.A . is holding me hostage, by claiming I owe them around {$220.00} in late fee 's. I have had this Home Equity Line Of Credit, abreviated, ( HELOC ) since approximately XXXX 2007.This is a 1st position loan for which a piece of Real Property was used as collateral to provide Wells Fargo , security. Now that I have just about paid the entire loan balance to XXXX, they are claiming i owe them even more money. I have asked them for proof of their late claims, for which they have claimed they have sent, however I have never received. Even if they sent a statement showing late payments, I still would not believe it to be factual simply because their credibilty is worthless. I believe Wells Fargo has purposely withheld, delayed and thrown away payments anytime they ever received a payment via mail just to generate fee 's and thus those departments that were assigned to process payments would receive bonuses for generating extraordinary late 's & non-payment fee 's. Further more, Wells Fargo has caused me deep damage not only by charging me these late fee 's, but also by reporting these lies to the credit bureau 's.

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 2016-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is taking advantage of my situation to their advantage! I can barley pay my mortgage anymore and they supposedly did a Home modification when times were bad but I 'm still over paying and can barely keep my home due to XXXX! 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 2016-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I bought my home in 2004 with Wells Fargo Home Mortgage services. The Wells Fargo loan agent refused to let me finance the mortgage as one complete 30 year mortgage and manipulated the closing process such that on closing day I was faced with either accepting an " Equity Line '' to finance half of the home or the closing could not proceed at all. I told the agent that I did not want, nor need an equity line to purchase the house but the agent was adamant that the Equity Line would not cost any more than a normal 30 year mortgage at the average rates XX/XX/2004. I was told that I could not buy the house any other way.

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: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank NA refused to allow the consolidation of a Home Equity Line of Credit ( HELOC ) obtained at the time of original home purchase. When XXXX approved our first home mortgage hardship modification, Wells Fargo also refused to consolidate our HELOC with the first home mortgage when they forced us to modify the loan later on.

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 2016-09-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In early XXXX, i applied and was approved for a credit card by wells Fargo bank in order to build/ establish credit but in XXXX XXXX I informed the bank that my card was missing and informed me that it will be cancelled. In XXXX i noticed a cash advance of {$350.00} in my statement and i proceeded to call the bank. I was told that it was a transaction that happened in XXXX. I live XXXX hours away in XXXX XXXX Virginia. Since it was clearly a fraudulent transaction, i filled a claim with them and was assured that all will be well. While reviewing my credit report in XXXX, i saw a derogatory comment from wells Fargo stating that I was 3 months in arrears. I proceeded to have a notarized statement sent to them in XXXX XXXX defending myself. I also noticed that they had linked my CC to my checking account without my consent. My numerous attempts to have this solved have been in vain

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 2016-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I did not pay Wells Fargo Home Mortgage late They are reporting this for 10 years of debt and I did not pay them late.This shows up negatively on my credit They have been contacted several times and they say we are working on it and never conclude the investigation they are working on. This has cost me several loans and credit card because of this nit beinghandled in a proper 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 explanation
Consumer complaint received 2015-12-14 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 was given a fraudulent cashiers check. I deposited into my savings account and made no attempt to withdraw the fund. The check was determined to be a counterfeit cashiers check. Upon learning this fact I immediately notified the supposed issuing bank. They informed me that they were experiencing a " flood '' of fraudulent checks being given to victims throughout the country. I notified my bank - Wells Fargo - and, even attempted to provide them with information relative to the actual identities of the individuals that had given me the fraudulent checks. They were not interested in obtaining any information nor willing to receive copies of the complaint I had filed with my local police department or US Postal Service ( US Postal Inspector ). Wells Fargo suggested that I deposited a fraudulent check into my personal account - suggested that it was my responsibility to know if the check was good or not - and, immediately closed my account ( s ). I asked why then the XXXX hold on the check upon deposit? The bank clearly was not a victim because they lost no funds. I was the intended victim of a scheme yet lost no money. I was quite surprised that they essentially terminated and closed my accounts - and, their fraud department would n't even engage in a civil conversation about the specific details of the scheme that was meant to defraud me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
During the VA loan application process with Navy FCU it was requested by the loan officer that I submit a letter of explanation for a mortgage 60 day late on my credit bureau report. I submitted a response that the mortgage late was due to unemployment and submitted supporting documentation as unemployment as the reason for the 60 day late. The mortgage late was not due to financial mismanagement as unemployment was reason for the 60 day late. The loan officer communicated to me verbally over the phone that my application was declined due to financial mismanagement as the loan underwriter stated that due to my occupation ( working for a bank/financial services industry ) that I should have known better to make my mortgage payments on time on my rental property. This is a fair lending violation for discrimination and shameful conduct for Navy FCU as a financial institution that has a majority of it 's customers from the veteran community as a application for VA mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I had Wells Fargo for many years and had to switch about two years ago as my questions about service charges, transfer charges, all sort of charges and get never get a resolution. I was even charged {$90.00} for a check to was returned ( was not to have happened as husband WAS added to account ) My late husband left me a large amount of money and when I went to bank for help with accounts etc., I was told to open XXXX different accounts with {$30000.00} in each account and if needed money, I could transfer between accounts. Why not put it all in XXXX account or XXXX at most. The girls last name was XXXX here in XXXX, WY. My many attempts to get help from the local branches was stonewalled by all local people. XXXX woman at the XXXX branch tried to help and must have been told to back off as she told me that even if her supervisor looked at my account and there was nothing they could do, really!!!!! I looked at all of my accounts numerous times and never could figure out all the crazy charges and the bank was obviously not going to help so I left, mad I might add and in talking to many people about this they had they same thing.

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 2015-11-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i started a secure credit card with {$400.00} with capitol one. after a {$49.00} fee i had {$350.00} of credit. now when i started the card it stated i could increase the amount by adding more to the account. today i recieved a letter saying after XXXX/XXXX/16 i could no longer increase the amount by deposit. this was not the contract i entered into. i contacted cap. XXXX to tell them this fact, we were disconnected. they did say i could increase it until XX/XX/2016. when i informed them that legally this was not able to be done only new accounts i was cut off.

Company response to consumer: Closed with explanation