vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am currently with XXXX. I went to my bank XXXX weeks ago to take out an equity line on my home so as to pay for direct care staff to be with my XXXX parents. I was told by XXXX that Wells Fargo/XXXX are listed in the XXXX lien position on my home. I paid off my home in XX/XX/2009 and never used any home equity so they should have come off the XXXX lien when I paid for my home. Basically there is an open-ended equity line showing up on with WF/W on my home deed and this is preventing my current bank, XXXX from completing my request for an equity line. I went to Wells Fargo last Tuesday and took them the information they requested from my bank as well as letters from Wells Fargo showing I had satisfied my debt with them and that they would notify the Register of Deeds. They did not notify the Register of Deeds when I paid off my home and therefore the open-ended equity line is still open with WF/W showing in the XXXX lien position. When I went to XXXX, I met XXXX and supplied him with the documents he requested from my bank. This was over a week ago. The bank was not even able to find a profile on me ( even after having purchased a home and banking with them for years ). XXXX said he would send my information to the research team for investigation. Today, I received a call from XXXX with XXXX XXXX to inform me that he just got my information today and that it could take another 10 days to resolve. This would be almost XXXX weeks they have made me wait. This is unacceptable as I do n't owe this company a dime. While waiting to get my home equity with XXXX XXXX Bank so as to establish direct home care for my elderly parents, my father fell Friday, XX/XX/XXXX and broke both his hip and his shoulder. I feel as though I am XXXX to this bank as it should not take XXXX for them to settle this issue. I owe them {$0.00} and all they have to do is call the Register of Deeds and take themselves off the XXXX lien. I have asked for the president of the bank to call me and at this time I have not heard anything from the president. I requested the local branch staff to reach out to get me assistance as they were unsure last week.

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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint involves a transaction with Wells Fargo Bank. On XX/XX/XXXX I signed up for a Premium XXXX account after being solicited by this company. The email I received said that I should cancel this account by XX/XX/XXXX, a Saturday or I would be charged a {$570.00}. XX/XX/XXXX and XX/XX/XXXX I had a pulled hamstring muscle and was unable to walk and also sick with the flu. I intended to cancel the Linked In account on Saturday XX/XX/XXXX but due to the above distractions I forgot to cancel on XX/XX/XXXX. At around XX/XX/XXXX on Sunday, XX/XX/XXXX I remembered that I had forgotten to cancel my Premium XXXX account and I emailed XXXX saying I was canceling it. However, no one from XXXX answered my email and XXXX does not have a phone number. On Monday, XX/XX/XXXX, I phoned Wells Fargo Bank and the representative I spoke to said that the charge of {$570.00} had not yet cleared my account. So I asked her to stop the charge since I think technically that the money is mine until the transaction clears. I know that you can stop payment on a check and assume the rules are the same with a credit card transaction. This representative said she could n't stop the charge because the money had n't yet cleared my account so I asked for a supervisor. The supervisor I talked to said she would put a claim on my account which is claim number XXXX. She said I would hear from the bank about this claim in ten days. On XX/XX/XXXX I received an email from Wells Fargo saying they had completed their investigation and they would send me a letter explaining it. However, I have n't yet gotten a letter from them. I also noticed that Wells Fargo had not credited the {$570.00} to my account. I called today and a banker said the claim had been closed. I assume, therefore that Wells Fargo will not be crediting my account for this amount because they would already have put the money back into 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 explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I am a XXXX helping a borrower of Wells Fargo ( WF ) who is behind on her payments. A request for modification assistance has been submitted to WF on their proscribed forms. I have attempted on several occasions to contact the single point of contact ( XXXX ) designated by WF and each time have had to leave a voicemail message without any response. Yesterday, I was told that I needed to schedule a specific time for a call back by the XXXX, which I did ( XXXX my time ) and still no call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We had XXXX accounts at Wells Fargo during the time they opened XXXX fake accounts. 
I can only assume that that at some point that will impact our financial status. 
How de we search to find out if we were victimized with fake accounts using our personal information? 
Regards, 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 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I need my home inspection from the year XXXXXXXXTo XX/XX/XXXX all document that stated that IPaid Well Fargo and I need a payment historyFrom XXXX XXXX to XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: WI

Complaint narrative:
I 've spoken with Security Finance asking for more time, I had asked for an extention due to the loss of my job explained very clearly numerous times that I was waiting for a decision from unemployment and then XXXX when unemployment was denied. I 've attempted to pay with an alternative form of payment other than cash/check, I attempted to pay it off with my credit card and was refused. Now despite talking to me and staying in contact their calling family, and friends with personal information leaving information on others voicemails. They continue to harass, attempt to embarrass, and call after their open hours ( leaving messages not addressing who or why their calling ) despite speaking with me about my situation.

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 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I made a payment from XXXX Bank online bill pay to Wells Fargo Home Mortagage on XXXX/XXXX/XXXX. Wells Fargo returned the payment on or about XXXX/XXXX/XXXX without any notification or knowledge to me. They started reporting my mortgage as past due a rolling over 40 month past due because of this issue. In XXXX I tried to refinance and found issues with my credit report concerning Wells Fargo. At one point Wells Fargo admitted it was their mistake and an internal error where they had applied the payment to escrow however when audit of escrow showed an overage they returned the payment to my bank when in fact it was ALWAYS MEANT to have been applied to MORTGAGE. I have been working tirelessly trying to get this issue resolved and my credit corrected and all interest and penalties charged to me corrected and me made whole again. I have been requested to give Wells Fargo Information regarding the transaction of XXXX Bank concerning this payment. Please find attached information that I received from XXXX Bank. 
From : XXXX XXXX : Tuesday, XXXX XXXX, XXXX XXXX XXXXTo : XXXXSubject : Wells Fargo payment XXXX/XXXX/XXXX PAYMENT EXTRACT MERCHANT REPORT PAGE XXXX WELLS FARGO MERCHANT ID = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Retail Operations XXXX ( XXXX ) XXXX - Office ( XXXX ) XXXX - Cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In 2009 I applied for a modification with Wells Fargo. They told me the only way to get XXXX was to go into a moratorium, meaning instead of paying my full monthly amount, i should only pay a third for three months. I signed a document that in the fine print said would mean i was going into default and they were assign late fees and report it to credit ratings. I was told on the phone do n't worry about that. My credit dried up. My rating was wrecked. I wrote to the bank. I called. I sent money to fix the situation, but they sent the check back. I finally got a modification, although it was not worth it, and then when I was earning more I could not refinance because my credit was destroyed. The modification cost me greatly. The bank made more on me.

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 2015-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I fell victim to the housing crisis like many around 2008. At the time I was lost my job while simultaneously going through a divorce. I was forced to file bankruptcy. One of the debts discharged in my bankruptcy was a installment loan for a car that was stolen and later recovered. That installment loan was with my bank Navy Federal Credit Union. Once I filed and was discharged the bank cut off online communication. My accounts remain with a positive balance however my access is restricted as a penalty. I was told by the bank that the only way to restore my normal access was to repay the lost of the debt. The bank recovered the vehicle after the bankruptcy and sold the vehicle however, they are stating that not only will be required to pay the debt to gain the access that I previous had but I have to pay the full amount discharged and that the profits from the sale would not be credited. I have read the disclosures I was able to find from when I opened the account and there is no mention of limited or restricted access for discharged debts. Not only is my access restricted but another account for which I am only the secondary authorized user on is also restricted. From my understanding a creditor can not take action for a debt after the debt has been discharge in XXXX Bankruptcy Court. I find this practice discriminatory and a way to force consumers to pay a debt that has been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: A.C.S. Companies, Inc. I
State: IL

Complaint narrative:
ON XX/XX/2016 AT XXXX HRS CALLER STATED SHE WAS FROM ACME DEBT COLLECTORS AGENCY AND SHE WAS CALLING ABOUT THE DEBT I OWED TO XXXX. THE DEBT WAS OVER XXXX DOLLARS US AND I INFORMED HER I DO NOT HAVE IT AT THIS TIME. SHE THEN TOLD ME THAT IT WILL BE TURNED IN TO AN ATTY BECAUSE I WAS REFUSING TO PAY THE DEBT. I STATED I DONT HAVE IT AT THIS TIME I AM NOT REFUSING. SHE THEN STATED THAT I WAS STEALING FROM XXXX AND IT WOULD BE TURNED IN TO AN ATTY. I INFORMED HER THAT I KNOW I HAVE RIGHTS AND SHE WAS VIOLATING THEM. SHE YELLED AT ME WHAT RIGHTS. I INFORMED HER ABOUT THE FEDERAL TRADE COMMISSION. I ASKED HER HER NAME AND TO SEND ME THE INFORMATION BY MAIL. SHE THEN HUNG UP ON ME. I CALLED BACK THAT EVENING TO SPEAK WITH A SUPERVISOR BUT I GOT A PROMPT THAT THEY WERE CLOSED. I THEN CALLED BACK THE NEXT DAY AND SPOKE WITH A SUPERVISOR SHE STATED SHE KNEW ABOUT THE CALL AND WHEN I SAID I WAS CALLED A THIEF SHE SAID THAT DID N'T HAPPEN. I SAID BEING TOLD I AM STEALING IS THE SAME THING. I SAID I KNOW MY RIGHTS AND WAS CONTACTING THE FTC. SHE STATED DO WHAT YOU HAVE TO DO AND HUNG UP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX Payment - Same address as the one listed on complaint This item is being disputed is due to communication breakdown between Wells Fargo and XXXX XXXX. I spoke with XXXX from Wells Fargo on XXXX/XXXX/16 at XXXX ( His ID number is XXXX ). I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XXXX XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. I also spoke with XXXX ( ID # SWL ) on XXXX/XXXX/16 around XXXX and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XXXX. I have always gotten the email communication. I have plenty of Cash in my Checking account, so lack of funds was not an issue. ( I can supply bank statements if deemed necessary ). XXXX also provided me with a phone number which they stated was used to let me know about the payment, but that number was no longer in service ( Since XXXX/XXXX/2016 ). I changed the number on the Online system but according to them that never took place. I would like to have them remove the 30 day notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake. 

Thank you very much

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 2017-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We received noticed that our Wells Fargo Home Equity Account, which has been closed for basically two years now by Wells Fargo, was due a credit as a result of case # XXXX. Again, that account has been closed for about two years and we have not received the funds stated in the notice. However, we have received a XXXX tax form for the amount we were supposed to receive. What Wells Fargo seemingly considers trivial money matters to people like us ; I 'm tired of having to fight this bank to get them to do what they are supposed to do. When we waited as we were asked to hear back from them on how they could " help '' us, we were informed that, because of the waiting time period, we 'd incurred more massive fees and penalties ; it seems a little unfair that, when they 've waited to pay what they owe us, we do n't have the same power.

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 2015-06-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a charge account that is control by Wels Fargo where I had a balance of XXXX and a XXXX charge of interest had been added to the account. I have not been receiving the bills and I have been telling them that as well. Every time I talked to them they said my address has been corrected and I still never received my bill. Now that they say the terms have passed they say I owe the total amount of interest on the account. I tried to explain this to them but they did not care. They said it was my fault and that I owe them the money. I have paid the remaining balance the XXXX. I do n't know what to do, this seems like it is fraudulent on their part. How can XXXX be add to an account with a balance of XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I need some assistance with my foreclosure sale date scheduled on XXXX/XXXX/16. I am already in review for a loan modification and have given all the information that has been asked of me for the review. I just need help getting the sale date postponed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Windham Professionals, Inc.
State: OR

Complaint narrative:
I received a call from Windham Professionals looking for someone who I have no knowlege of, and is not affiliated with my phone number. The call was received at XXXX XXXX Pacific Time on XXXX XXXX, 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been receiving emails about ATM receipts and Store transaction records from Wells Fargo ( WF ) but I do not have an account with them. This has been happening for about 3 years, I went to a WF office in XXXX, Virginia with printed emails to ask about these but they said there were no accounts under my name. I used to have a home mortgage and I believe a checking account that only lived for a short period. I do n't believe my credit report shows any accounts currently open with Wells Fargo but since I just found out about a scheme at WF were they were opening fake accounts for customers I have decided to report this since I do n't want my name associated to money laundering of whatever that scheme could be called.

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 2015-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I deposited on XXXX XXXX, 2015 a XXXX check which was actually for services for the bank. I deposited the check in my Wells Fargo account on the same day. Because of the XXXX XXXX provisions, my bank had collected funds the next day. However, because of the way the law is written, Wells Fargo tells me that they can block my access to those collected funds for up to twelve days, which is what they have done. 

It defies believe that a bank, which exists at the pleasure of the government can bar my use of those funds or if allowing those funds can charge me an overdraft fee for funds that have already been collected for my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I visited a Wells Fargo located at XXXX XXXX XXXX XXXX in XXXX, NJ on XXXX/XXXX/15. I went inside to make a withdrawal from my checking account. The teller that assisted me was named XXXX.In processing the transaction XXXX advised me that my savings account was closed.I informed her that I knew and that the account was closed because it was initially opened by a branch manager without my permission. XXXX then persisted that I needed to reopen the savings account to avoid the $ XXXX monthly maintenance fee. I told her I was avoiding the fee already by participating in a different activity which also allows me to avoid paying the fee. She told me that the fee is only waived if my checking account is linked to a savings account and simply said " we can reopen that for you today it 's no problem ''. I told her I would think about it, took my withdrawal and left. The information XXXX gave me was completely inaccurate and misleading and was simply an attempt to get a " sale ''. I may not have looked like it because I was dressed in shopping gear, but I work for a bank myself and I know a little about deceptive practices that some individuals use to meet their sales goals. If I did not have inside knowledge, I may have once again fallen victim to these deceptive practices.

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