vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have had a checking account at Wells Fargo for over ten years. Suddenly two months ago I saw a fee charged to the account. ( {$13.00} or {$15.00} I believe ). I emailed via the Wells Fargo website and inquired about the fee. The reply I received was unclear, it said I did not have the right mix of products and services but the explanation was unclear why my mix was wrong, what I needed to change and what had suddenly changed to initiate this fee. They did refund the fee. I wrote back and asked for clarity and received yet another unclear reply. So I went to my local branch and inquired, the agent told me my accounts looked fine and I must have been charged in error. At this point I believed the problem to be resolved. 
The next month I was charged the fee again. So I contacted Wells Fargo again and they refused to refund the fee this time, and again did not provide a clear explanation. I replied and threatened to move my business and they did finally refund the fee and told me I needed to enroll in mobile banking to not be charged the fee again. So I followed the instructions to enroll and emailed them back to ask if everything was set. I received a reply that it was NOTset and that I was mistakenly told mobile banking was needed. I was told I really needed to call and get an ATM card. At this point my frustration got the best of me and I asked them to close my checking account. They did close my account but the reply mentioned the fee was because they believed I stopped my direct deposit. This was the first time anyone mentioned direct deposit. In fact, I did not stop it, it was on hold because of the season nature of the deposit which comes from real estate rental income. 
I am reporting this complaint because I am very concerned that Wells Fargo has a policy which is confusing and the employees have not been properly trained. Therefore they are unable to communicate the intricacies of the policy to consumers. I imagine someone elderly would not be able to jump through the same hoops I did to get this resolved and may be charged large fees they do not understand. I talked to XXXX different agents and never got the same or a satisfactory response. I will attach the email chain as evidence to this confusing response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have been working on selling our home of 30 years since XXXX 2015, Unfortunately as everything I own seems to be worth less than what I owe. I am resorting to a short sale and even asked if we could do a deed in lieu of they said NO!!! we have the property listed with a very reputable realtor. we have submitted every document on the list ( even several times ) for the same doc. 
We have been waiting weeks for any kind of answer. When I call they say they dont need anything else but still will not move forward. This week we were notified that it was going to another new processor. Just to go on the bottom of someone else 's pile of to do stuff. Out of everybody My family and I have worked very hard to keep this home even thru hard times but we always pulled it out. We are the only ones loseing here. My idea was to sale this home later for our retirement next egg but they tell me the home needs to moany upgrades with nothing wrong with it?? go Figure, Please Please if you have anything that can help speed up the process that would be great!!!!! Thank You for your time. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Notice of error : Moving for Foreclosure Sale ; Violation of Civil Rights I am writing to notify Consumer Financial Protection Bureau that Wells Fargo is violating the Servicer guidelines. I submitted a complete application with XXXX XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX is offering a solution to save my family home by purchasing our property from Wells Fargo in a short sale and selling it back to me. In this way, XXXX passes along the savings and gives me a mortgage I can afford. I learned yesterday from Wells Fargo that my application was denied through XXXX. The Wells Fargo representative told me in a telephone conversation that my application was denied because the sheriff sale is scheduled for XXXX XXXX, XXXX. I have not received any written notification from Wells Fargo. This is an obstructionist act. Wells Fargo is the entity that controls the sheriff sale process. Wells Fargo could easily adjourn the sale ( which is first date ) and provide us with time to process our application. Wells Fargo is violating the CFPB guidelines by refusing to evaluate my application filed in coordination with XXXX XXXX XXXX. 
I believe Wells Fargo is discriminating against me because I am XXXX and live in a community of XXXX. My home is in XXXX, NJ which has been destroyed by Wells Fargo and other predatory lenders. There are no property sales in XXXX. It has a XXXX property sale rate. That means that if Wells Fargo does not give the opportunity to purchase my home back from XXXX XXXX XXXX, my family home will be vacant and my family of XXXX will be homeless. 
Please urge Wells Fargo to adjourn the XXXX XXXX, XXXX sheriff sale and provide time for XXXX XXXX XXXX to negotiate the purchase of my home.

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 2015-07-05 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a bank account with Wells Fargo for about 4 months that ended XX/XX/XXXX, due to a check that was issued from an account I had at XXXX XXXX XXXX that was being closed sent directly from XXXX XXXX XXXX to Wells Fargo, never was I notified about this check. The Wells Fargo Account was closed because they said that said check boucnced and they have XXXX tolerance for this kind of thing. I went to a branch in XXXX Texas and withdrew the entirety of my funds left in my account and was told by the banker that it was closed. This was on the XXXX of XXXX. 
I receive XXXX and SSI Payments from Social Security every month. I had my DD going to my wells Fargo account, and was in a bind at this point because all of my accounts had been closed. I tried to get another bank account but found out that Wells Fargo or XXXX XXXX XXXX put my name on a list with a company named XXXX, and I was unable to open a bank account anywhere to have my SS payments for XX/XX/XXXX go to. Finally at the last moment a friend allowed me to use his account and I set it up with Social Security, but it was already too late. They told me the funds were still going to be deposited into the Wells Fargo Account. I contacted Wells Fargo and they told me that it would take XXXX business days for the funds to be returned to the depositor after being rejected from a closed account. So I waited and still no funds in the new account with my friend and SS stating that they had been deposited. I called Wells Fargo back and this time they told me that the funds should have immediately been sent back to the depositor because the account was closed and that was the law. But they did not see any DD go into my closed account at all as of that time, which was now the XXXX of XXXX. 
My checks are lost. I believe that Wells Fargo has them and would like them to release me my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
around late XXXX early XXXX of 2016 I XXXX XXXX attempted to obtain a pre-approval letter from wellsfargo home mortgage/bank in XXXX Georgia through a mr. XXXX XXXX XXXX the mortgage rep. at XXXX XXXX XXXX to begin the purchase process of a house that my wife and I had located in XXXX ga. XXXX XXXX XXXX XXXX. XXXX..since I could not produce the approval letter in a timely manner the seller chose to put someone else in the front of the purchase line, but said that we could still make a back up offer in case all others fell through ... XXXX had me to bring multiple documents on various occasions to help in hopes of getting pre approved among those was a {$410.00} postal money order, that was clearly marked as for appraisal fee money only. for which I was told would be required as part of receiving the approval letter from wellsfargo. after one day of submitting all requested documents, XXXX XXXX told my wife an I that we were denied the approval amount needed for the purchase of the house ; I then said no problem and requested any and all documents be returned to me, but was told that the money order was already deposited and that it would take XXXX7 days to get it back, after 10 days, I called XXXX back to inform him that I had n't received my money back, he then told me that it was suppose to take 30 days. it is now going on two months and I still have not received my money back. I have made several called complaints to wellsfargo with no results, I was told by the last wellsfargo home mortgage complaint rep. the it was in the mail minus {$11.00} supposedly for a credit check which I was never informed of or made aware of as the money order was specifically for an appraisal fee in the event i got approved to purchase the house. as of to date i have still not received my noney back and it 's going on two months. as a XXXX Veteran of the United States XXXX i find their treatment very disrespectful and harmful to XXXX. if possible any further information needed i would be happy to provide. wellsfargo in my opinion has committed bank fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a new business account in XX/XX/2016 and was offered a bank business credit card with a 0 % interest for 6 months linked to my business account. I had late payments twice but on both occasions paid within one to two weeks of the due dates. 
The interest rate on the credit card was raised to over 27 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello, I filed for bankruptcy in XXXX since then wells fargo has not been applying my mortgage payments to the account. I want to know what they are doing with these payments i am making. they tell me they do n't have a program set up to handle a payment when a person is in bankruptcy. i do n't believe that after all this other illegal stuff they are doing. when i get my resources back in order i will be leaving wells fargo for good. i do n't trust wells fargo anymore. i want my payments applied to my 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 non-monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Last month they called my work when they were previously told not to contact my work friends or family. I told them I would file last month but I decided to give them another shot. But this month ... .They called my parents when it was two weeks late! They had not exhausted all means to contact me. They could have mailed a reminder if they were unable to get me by phone. Instead they harrassed and violated my rights for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Electronic credit card payment was made from my bank account to Wells Fargo on XXXX XXXX, 2016. Wells Fargo received the money on that date, and it was deducted from my bank account. Wells Fargo did not credit my credit card account, but placed a " hold '' on the funds because it was a " large '' payment ( Approximately {$1900.00} ). to date ( XXXX XXXX, 2016 ) no resolution has been achieved despite repeated calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FBC MORTGAGE, LLC
State: OH

Complaint narrative:
I 'm building a new home XXXX. We have had little issues here and there since day one. A major issue we are having is with the lending company that XXXX uses. There has been several discrepancies to the point where we decide to seek out our own lender to get a better rate. When we spoke with the seller at XXXX he said if we did n't use their title company they would n't pay our closing costs as promised, so we agreed to use the title company along with our chosen lender. We are now days away from closing and they are backing out of their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
After repeated failed attempts to contact Wells Fargo concerning a duplicate account showing up on my XXXX credit report this issue still has not been resolved. Wells Fargo has reported an account with a minimum monthly payment that exceeds {$28000.00} to XXXX and XXXX that I know of. I have attempted to contact Wells Fargo to verify this information and they have refused to contact me. This is related to a loan received for payment to XXXX, Oregon

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: WY

Complaint narrative:
I applied for a XXXX XXXX Visa Signature credit card in XXXX. At that time, they advertised the card as offering a " Bonus Award Night ''. This means on award stays of XXXX+ nights credit card holders receive XXXX XXXX free. Less than two weeks after my application, this benefit was canceled starting XXXX XXXX. There are other, smaller, changes as well. All of this took place in less than three months after receiving my card and paying the annual fee. 

I have not even had the chance to earn the points promised to me for hitting minimum spend requirements of {$2500.00} before the benefits associated with such points have been taken. In short, I feel US Bank was deceptive with their advertising and dramatically reduced promised benefits with such little advance warning as to make the situation resemble a bait-and-switch offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have been receiving harassing, threatening and death threats telephone calls from Bank of America representatives in regards to credit card account and debt of {$780.00} that I do not owe. The account or debt do not belong to me. I am a victim of identity theft.

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 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America did not complete my modification on the date as promised. XXXX of all, it took them almost a YEAR to complete it and then they closed it XXXX months later which impacted my Chapter XXXX filing, therefore showing us XXXX months past due. This was in XX/XX/XXXX. In addition to this, when our new mortgage company, XXXX XXXX, bought the loan from BOA in XX/XX/XXXX ; they showed us behind by XXXX years because BOA has n't been crediting our payments correctly!!! I ca n't get BOA to speak to me now to figure where my payments have went and I need to get this mess fixed!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have multiple late payment reported in my report from Salle Mae and XXXX XXXX XXXX dating back XXXX through XXXX for my account. The reason for the late payments was that after graduating in XXXX I could n't find a job for a long time. Once I did I attempted to make the payments but it was never enough. My parents did n't want to let me live in their apartment and I was forced to move out and stay with a friend. I fell behind on my payments in order to pay for rent and food. It was very rough and I did n't know how to explain to my creditors at the time that I would need some sort of deferment while I was handling this issue. I did n't know a thing about how to manage my money then and I made the mistake in falling behind. It was n't until late XXXX that I 've manage to get back on my feet and had the ability to manage my money better. Since then I 've been working hard to keep my record clean. I 've been keeping up with payments and took responsibility for my actions. That being said, I still bear a black mark on my record which is prohibiting me finding a place to live. This is very concerning because I may find myself out on the street. I do n't keep in contact with any family member and I have no other choice but to try and get rid of this mark so that I may find a place to live. I would be extremely grateful if these marks could be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a customer of Bank of America for over XXXX years and have not had any late payments, but they reported XXXX XXXX day late payments to the credit agencies. I have stellar credit and have always sent my payments out prior to them being XXXX days late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
It appears that there is a major flaw in Bank of America software. Intentional or unintential not sure. But a deposit of a Check of Friday, or Saturday would not clear due to the bank holiday on Monday XX/XX/XXXX, would not be processed until Tuesday, which means the funds would be available on XX/XX/XXXX, well Bank of America software does not assume the holiday as it make on the deposit slip and online that the funds would be available on the XX/XX/XXXX but they are not, I understand why but do not understand why they posted wrong. This must happen every holiday causing much issues for people. I out several XXXX dollars and may have XXXX.me getting a mortgage

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 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have an issue with Bank of America taking {$70.00} out of my account after it over drafted a small amount for a matter of a few HOURS, not days. I went to the bank immediately to put the funds in. The real issue is that the policy used to be that you would only be charged if money is not added within 5 days and I was not notified of any change to this policy and therefore did not expect a charge. Naturally I try not to overdraft but I have accounts at XXXX banks and I had forgotten to make a transfer. If it were days I would understand and especially if I had been notified of a policy change, but not hours. Also, there was enough money in my savings to cover the amount. The bank used to let you link the accounts for protection and now it does not, so it can take your money. Managing someones account is not an excuse to steal from them anytime you see fit. I will be looking for a new bank immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My Bank of America credit card account was closed without prior notification/warning. I tried to use my card on Thursday, XXXX XXXX, 2015 and it was declined. I called Bank of America customer service, waited 38 minutes, and was transferred 4 times. The last person I spoke to proceeded to tell me that they were missing some information in regards to my citizenship, that they sent out a letter requesting this information and received no response, therefore my account was closed. I never received a letter, an email, a single phone call from the bank requesting this information. I had recently requested a credit line increase which was approved, about a couple of weeks prior to this. All of my payments have been made on time during these last ten years, and my balance was about 10 % of my credit limit. 
The solution offered was to re-run my credit to reinstate my account - which I declined since I never requested my account to be closed.

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