vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My mortgage is with Wells Fargo Home Mortgage ( WFHM ), Loan number XXXX. I have been trying to take advantage of the government programs to reduce my mortgage interest rate since XXXX XXXX and have received a run around from WFHM because I had temporary employment and unemployment income. XXXX XXXX I received a permanent job back in the federal government. I informed WFHM the moment I was accepted for the job but was required to present a letter of acceptance and income amount to prove I had a job, which I did. Then I was required wait and fax a copy of my paystub. I faxed copies of my paystub starting in XXXX. I was set up for a modification with 3 payments to be made in XXXX, XXXX and XXXX of XXXX. At that time I was told my interest rate would be XXXX. WFHM changed my Home Preservation Specialist and I was ignored there after until I started calling and complaining. I called every month since last XXXX. In XXXX my complaint to WFHM was excalated because their Title Department was saying that I had a lien against me that was holding up my paperwork. That was not true and I had to call the State of Ohio to obtain information and literally do the Title Departments job for them by printing and faxing the paperwork to WFHM that the the Attorney General 's office required to be completed to verify that there were no liens against me. The Attorney General 's office could not provide information to me to give to WFHM. I spoke with a young lady named XXXX who guided me to the website to obtain the forms to be completed. WFHM needed to contact the Attorney General 's office themselves which they refused to do. Everyone that I spoke to at WFHM on 3 different levels told me that it was my responsibility to clear up the lien issue and prove that the information for a XXXX XXXX was not me. Now after 10 months I finally received paperwork that has an interest rate of XXXX. I was told by XXXX XXXX that nothing would change from the initiation of this modification. It was approved with the initiation of the 3 trial payments and as long as I made those payments on time as required, the modification would be finalized as stated at the 3.385 interest rate. I have been struggling trying to get WFHM to work with me for two yeays, long before I ever got behind in my mortgage and have gotten a run around. Now they are changing rates on me and I want this to stop.

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 2016-08-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We have been in a mortgage modification process with Wells Fargo for over 4 years. 
They repeatedly state that documents were not provided when indeed they were, they request the same items over and over again, asking for unnecessary details. In 4 years they have never come to a conclusion regarding this mortgage and have indeed obtained a foreclosure when we were delivering documents consistently. They have also used a lien against a different person at a different address to deny a modification in the past.

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 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Account noXXXX XXXX XXXX XXXX, I called Wells Fargo 's automated systems, and was told that my available Val was {$100.00}. On XXXX XXXX, I was told that XXXX checks had been returned! Check no XXXX for {$60.00} and ck XXXX for {$25.00}. Both of these e cost {$70.00}. For the bank relieve took {$70.00} out of my account and we are paying the companies a total of {$70.00}. Which is {$14000.00} For XXXX Check totals! 
We have been with Wells for a while, and make weekly deposits. I believe this is retaliation because, we have filed a complaint before. They reimburse us, because they were at fault! 
This is happening again and again!!! What is going on? 
And {$35.00} for the companies. 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 2017-02-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
During the second week of XXXX XXXX I was contacted by an employee of Wells Fargo bank of North Carolina ( XXXX XXXX ), she informed me that she was calling to get payment on a bank issued business credit card. The transaction supposedly took place in late XXXX. At that time I changed the corporate mission of my business and informed all contacts necessary of my new mailing address. Since that time I have not received any communications from Wells Fargo until last week when they demanded payment. At that time I made XXXX XXXX aware that if I could be made sure of the original amount of the transaction that I would be willing to pay that amount but no more. Since I still do business with this bank I feel strongly that they should have been able to contact me much sooner and avoided all the additional charges. In addition all of my accounts with this bank appear on my on line page except for this credit card.

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 2016-09-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please help me understand why CFPB does not come up with a standard program to cure the XXXX Loans rather than give so much discretion to Wells Fargo Bank N.A . which usually leans on getting as much as possible from the homeowners. XXXX. 

We all know - '' Millions are victims of wrongful foreclosures. Loans during the housing bubble were repackaged into securities and sold on XXXX XXXX putting the true holders of mortgage debt into question. The entity Wells Fargo that is trying to foreclose has no legal standing to do so. There is of course something the banks want no one to know - but the public knows. '' According to a deposition taken by an employee at Wachovia, there was never a transfer of notes from World Savings to Wachovia, just a name change and no real merger or transfer ever took place as XXXX, still has custody of all original notes XXXX See : Page XXXX, lines XXXX, Page XXXX, lines XXXX, Page XXXX, Lines XXXX. 

Wells Fargo fabricated paperwork in mass to prepare for bogus foreclosures : XXXX Since XXXX is now a defunct organization, Wells Fargo is a pretender Plaintiff and has no standing to foreclose as the note could never have been assigned to them since it was securitized and sold to a XXXX XXXX XXXX and Wells Fargo are mere debt collectors or servicers of the loan, and hence have no legal standing : See : In re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Servicing XXXX Wells Fargo Bank, Bankruptcy XXXX XXXX XXXX XXXX XXXX, 2010.

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 2016-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA

Complaint narrative:
I have been calling all day trying to make a payment, and the representitives continue to ask me personal questions that I should not have to answer and explain every time I call, I had a serious automobile accident in XXXX and have been behind on my payments evry since, it was 3 months, now Im down to just XXXX payment behind, I am asked XXXX personal questions every time I call and the represetitives act like debt collectors, very rude, will no transfer me to a supervisor, disconnect my call, etc, this is not professional, and I have spent over an hour trying to make a singke payment which should be a simple process, this is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XXXX 2014, I wired money to XXXX XXXX XXXX XXXX for studies. The amount was {$8800.00}. 
I, unfortunately, was not able to attend the school therefore I expected a full refund. I asked for this refund in XXXX 2014 and I have yet to receive it. 
XXXX XXXX XXXX XXXX has refused to give me my money back and they have chosen to ignore any of my attempts of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Last year my friend and I found out that Discover offered a matching bonus ( Double cash back ) program for opening a new DISCOVER IT card. Previously I had DISCOVER MORE card and I called customer service to swap my MORE card to IT card, and I was promised that I was qualified to earn the double cash back after my first XXXX bill cycle payments. Now after one year, I did n't receive my matching bonus but my friend did ( my friend also swap from MORE card to IT card ). Therefore, I called discover customer service to ask about this. The supervisor said that they do n't have any evidence shows that I enrolled in this program and they do n't keep the phone call record from last year so that they can not do any thing about it. However, I believe this is not a enrollment required program at that time and I called customer service to ensure I can receive the rewards since I swapped from another card to new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Deposited money in bank and bank placed a 10 day hold because of numerous overdrafts. Other items came in and more additional fees were billed.

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 2017-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hi It looks like Wells Fargo is up to their old tricks again in banking services. I just logged into my account the other day and notice a negative balance on a checking account. When I go into transaction history for the last 18 months, all i see is money being withdrawn from one account and entered into this account for Wells Fargo to withdraw as monthly service fees. 

I submitted a complaint with them and I just got off the phone with this lady trying to only credit me back for 180 days ( 6 months of monthly service fees of {$180.00} from $ XXXX fees ). The account was opened back in XX/XX/2011 and at the rate of $ XXXX in monthly service fees this will come to {$2100.00}. I want every penny back along with interest. 

They tried to get me to accept {$180.00} and then {$300.00} of payment. I want every red cent back with interest. In these hard times and being charged all of this excessive fees which put my accounts in the red, causing other checks to bounce, etc I want to be fully compensated for this and them fine heavily to stop these practices of preying on consumers with billions of dollars of late/over draft fees from fradulent business practice. 

warm regards XXXX + XXXX XXXX My Wells Fargo Account in question is XXXX. I believe this account was opened with no fees attached then changed to have fees attached and the avalanche started

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 2016-12-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo continues to allow credit/debit card purchases to go through, despite my opting out of overdraft protection. These were not automatic charges and no other debit hit my account aside from debit card charges. I have just paid XXXX in fees due to this. Also, my wife recently made a deposit at the drive up, and as she was, the bank teller, using the intercom, told her the account was overdrawn. My wife is not on my account. This was a violation of my privacy. Not to mention all others in line can hear as well.

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 2016-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Currently undergoing a Deed In Lieu with Wells Fargo that started in XXXX, XXXX ( last mortgage payment made in XXXX ). Throughout this process I have made every attempt that I know how to make, in order to facilitate closure of this DIL. I am on my third or fourth Home Preservation specialist ( since XXXX XXXX ) and every time I attempt to contact the current specialist, that individual is not available, nor do they return my call. I have gone into the local Wells Fargo Home Mortgage branch in XXXX, CA. in the hopes of learning something and utilizing an internal Wells Fargo email system. The local mortgage specialist did help by sending an email to my specific home preservation specialist ( at the time ) and CC 'd her manager. No reply was ever received by either party and when I emailed the local representative back, no reply was ever received. I have sent, and re-sent duplicate documentation ( multiple times ) whenever Wells Fargo asks for it throughout this time period. On the rare occasion I am able to talk to another ( not mine ) home preservation specialist, the typical response is that my specialist is assisting another customer, and that they would leave them a message. When asked to look at my account, the individual I speak with responds with the typical phrase " it 's in loss mitigation, we 're sending them an email right now and you 'll get a call back within XXXX48 hours. '' Call-backs never happen. This process has tanked my credit and I expected that. What I did not expect, was for this to last 1 1/2 years. Wells Fargo was given all information they asked for, within 8 hours of them asking. This lack of communication and action by Wells Fargo is damaging my abilities as a responsible consumer. I have multiple documents involved with this process and will upload them. I was contacted by the VA in XXXX, XXXX and in the VA 's notes from Wells Fargo, it shows that " the DIL has been approved '', however I am currently receiving letters post-dated after that information was posted to the VA representative. In XXXX, Wells Fargo procured homeowners insurance on this property due to my private insurance running out on XXXX XXXX, XXXX. I spoke with Wells Fargo Insurance division and relayed my concerns about Wells Fargo purchasing additional insurance on this residence, as I would no make payments for additional insurance on the property if I ca n't afford the mortgage, and that I did n't want to become delinquent to whatever 3rd party Insurance company Wells Fargo contracted with. Wells Fargo went ahead and purchased the insurance and I have been assured that I will not show as delinquent to this 3rd part insurance provider, even though they 're not receiving a payment from 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 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To CFPB Team : I am currently facing a foreclosure situation with Wells Fargo. I am in the 4th year of a 5-year Chapter XXXX plan to save my house. I encountered XXXX hardships during my Chapter XXXX falling behind mortgage payments but continuing to make Chapter XXXX payments. Wells Fargo has been running me around the loan modification request and review process for over two years rejecting every request to capitalize my outstanding mortgage arrears and reducing my interest rate from 6.25 % to a market rate. Despite countless material violations of California Home Owner Bill of Rights, TILA and RESPA laws Wells Fargo has now filed a motion for Relief of Stay and hearing is scheduled for XXXX XXXX. My family and I would love to keep the house and resume mortgage payments but we cant get a fair representation with bank or owners of note ( Wells Fargo sold mortgage to XXXX in 2012 ). We are desperate for a solution as I am the only income earner in the house and take care of my wife, ederly mother-in-law and XXXX children. IS there anything the CFPB can do to intervene on our behalf to stop or delay the foreclosure process. We want to keep our house and resume making mortgage payments but Wells is only interested in foreclosure at this point despite numerous attempts to request home loan modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
in 2008 I applied for and received a loan modification from Wellsfargo bank. It was in XX/XX/XXXX that my new payment would begin. I phoned Wellsfargo to ask if they could put the first two payments off due to the fact that I was preparing to take my son on college tours. the representative said that they could not guarantee two months but she saw in my account that a payment had been posted to my account and to call back the following month to see if I could get the second month that I was requesting. In the middle of the month I started to receive ca calls telling me that I was late with my mortgage. I explained that I was not late but that I was told I did not have to pay due fact that funds had been applied to my account. the repress informed me that the money had been applied to my account inadvertently but was taken out later that day. No one informed me me of this. The investigation team did an investigation and found that money had been applied and take out but they failed to notify me. Then they asked me to resubmit another modification application, I did and that is when the put my hom in quicksale ( which was also a mistake ) I am still in my home but they have harassed me for 8 years because I refused to pay XXXX mortgages when it was their fault. they acknowledged tha that it was their error but stated that I still was responsible. 
these people have harassed me all day every day for the past XXXX years. it has been recent that I was able to make a payment on that past due payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint to Finanacial Protectio Burau XX/XX/XXXX ( case XXXX ) in Spanish. 

WHAT HAPPEN In XX/XX/XXXX after to make my monthly payment on line I notice that I have an interest charge. Even that Wells Fargo Financial National Bank told me that I would get 0 % interest for the {$8800.00} corresponding to the cost of changing the widows of my house with XXXX. 

XXXX told me that they would offer special financing through Home Project loan from Wells Fargo Financial National Bank. 
I fill out the form in the second page of the application indicate Annual Percentage Rate ( APR ) for purchases 27.99 % and APR for Cash Advance 27.99 % ( attachment 1 ). I was asking about this interest and XXXX ( the home improvement salesperson from XXXX ( attachment 2 ). XXXX told me that if I do not use the card that interest will not apply. I never activate the credit card from Wells Fargo ( attachments 3 ). I never gave the account # to XXXX I am not sure how they got pay by Wells Fargo Financial National Bank. 

In the Wells Fargo Finantial National Bank application ( attachment 1 ) There is not any information about deferred interest. 

However in my statement of XX/XX/XXXX my balance was {$3600.00} plus a interest charget of {$3300.00}. I called to Wells Fargo Financial National Bank and they told me that this amount it was a deferred interest. I did not know what was referred interest. I went to Internet to understand about it this interest because I was not familiar with. 

In XX/XX/XXXX. I offer to pay my balance. XXXX Research Remedation Analyst did no accept it ( attachment 4 and 5 ). The new balance was {$6700.00} with extra $ 27.99 %. The new balance now according with Wells Fargo Financial National Bank now is {$5000.00}, XX/XX/XXXX. XXXX answered my previous complain case XXXX. In the second paragraph from " information about your account '' said : " On XX/XX/XXXX, a charge of {$8800.00} was made with special financing term od 18 months, No interest if Paid in Full, and Regular Monthly Payment required during the special terms period. You minimum payment amount WAS SET UP base off the AMOUNT of the total purchase and LENGTH OF YOUR PROMOTION. 

$ XXXX {$300.00} Minimal payment it was SET UP by Wells Fargo Financial National Bank and require 28.57 months period to pay {$8800.00} but they make the mistake and set up for 18 months. 

The last statement from XX/XX/XXXX my balance according to Wells Fargo is {$5000.00} ( attachment 6 ). Well Fargo make the wrong calculation to pay in full. With the minimal payment that tit was set up. My last payment in order to pay the original amount of {$8800.00} is XX/XX/XXXX for the amount of {$280.00}.

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 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has been harassing me for the last 10 years about one of their customers who used to have my phone #. I 've researched their customer and given the WF agents a plethora of info every time they have called me and asked that my # be removed from their database. 
Each time ( 1 call a week for the last 10 years ) the agent says they remove my # but they dont because they keep calling. This is unacceptable behavior

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