vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-19 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: MD

Complaint narrative:
I sent a letter regarding the matter however, no response from the company. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " WFDS d/b/a Wells Fargo Dealer Service '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account was closed by Wells Fargo. Before informing me that they were closing my account, I deposited XXXX checks using at a Wells Fargo atm. The checks were NOT processed by Wells Fargo, and were immediately rejected because the account was in the process of being closed. This occurred on XXXX/XXXX/15. 
I would like the checks returned so I can deposit them into another account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i have been trying to do a loan modification since XXXX my home was up for sale, i file bankruptcy to save my home i made the payments and the bankruptcy payment as well. in XXXX i end up in the hospital and could n't make my payment i file for a loan modification and after giving me the run around for a yr they said that i did n't qualified for a loan modification after submitting paper work and application for more them 6 times. the only help the can provide is a short sale.

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 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My home can be saved. Please help me. I make enough money now to afford a modified mortgage that rolls in the payments that I am behind on if it puts the interest rate at the prevailing rate for a 40 year term. 
I applied to Wells Fargo for a mortgage modification in on XXXX XXXX, 2015. After they received my application they sold my mortgage to a new investor and to a new servicer, XXXX XXXX XXXX. The loan was sold on XXXX/XXXX/15. They sold my loan to XXXX so that XXXX could foreclose on my house. XXXX is notorious for denying modifications and speeding through the foreclosure process. Despite the fact that my mortgage was being reviewed for a modification they sold my mortgage to XXXX who immediately began foreclosure proceedings. After my mortgage was sold to XXXX I received a HAMP denial letter from Wells Fargo stating that my loan was denied for several reasons that were inaccurate. Their waterfall analysis did not follow the proper procedures in the HAMP guidelines and there were errors. I received a letter from Wells Fargo saying that my loan modification was denied because Wells Fargo was unable to create an affordable mortgage payment. I make sufficient income for a modification. XXXX XXXX had told me that my modification application would be sent to XXXX, yet XXXX claimed that they never received it. My denial letters from Wells Fargo were mysteriously dated XXXX/XXXX/15 the same day that my loan was transferred to XXXX. This fact tells me that they did not actually review my application but just fabricated reasons for the denial. I allege that they did this because they wanted to sell my mortgage to XXXX for the following reasons : They wanted to sell my mortgage to XXXX so that they could foreclose ; and XXXX does not want to buy loans that are still eligible to be modified because they make money buying mortgages at a discount and then foreclosing on the homes. I wrote to Wells Fargo to ask for details of my denial and to appeal my denial. I never heard back. If Wells Fargo and XXXX want the benefits associated with participating in the government programs and they do participate in the government programs then is n't it my right to appeal the denial? If my application is denied with Wells Fargo then I need to know the accurate reason for my denial. I would also like to know which modification programs I was reviewed for and the calculations that determined that I would be denied. I have attached the denial letter that Wells Fargo sent me and my appeal to this email. I faxed my appeal in and emailed XXXX XXXX who was the person at Wells Fargo assigned 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 explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
i did a mobile deposit for a payroll check and then 2 weeks later a coworker stole my check and tried to cash it and it didnt work and my bank wells fargo took the money back out of my account and i still havnt seen the money or any feed back letting me know whats going on. 
there not telling whats going on!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal has reported an incorrect amount to XXXX and XXXX. Navy Federal reported I owe XXXX as of XXXX/XXXX/15 and that is incorrect. The correct balance that is owed is XXXX. I have sent several complaints about Navy Federal and Navy Federal keep messing up my credit by reporting wrong information. Navy Federal should be held accountable for continuing to mess up my credit report and score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
During the timeframe of when I held my account there at Navy Federal Credit Union in XXXX Washington from XXXX. When accounts became due they would freeze my savings/checking accounts until I paid them or scheduled a payment. This was normal operations for them every 2 weeks. I would have to call them to unfreeze my accounts on a daily basis at times. I am sure Navy Federal has records of this. That was the reason why I closed my accounts and went with another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have requested both Navy Federal Credit Union and XXXX XXXX to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My mother and I bought property together and I also had martial home which was not my mothers. Wells Fargo foreclosed I 'm property that I did n't given permission to use. This property was part of a divorce settlement dispute and XXXX XXXX had no right to property. XXXX XXXX of XXXX was loan officer I believed he fudge paperwork and committed some type of false information which in end result made my mother lose all her property 's it should have been exempt from taking mine

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 2017-01-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To whom it may concern ; I recently sent a complaint via the CFPB against Navy Federal Credit Union, Case # ( Case number : XXXX ). I received a phone call from a representative from NFCU, XXXX XXXX on Tuesday, XX/XX/2017 @ XXXX. He left a voicemail to which I immediately called him back and we subsequently spoke for 35 minutes concerning my issues with his institution. He stated that he would either be calling me back later that afternoon or at the very latest the following morning, Wednesday XX/XX/XXXX to discuss his findings and the next steps accordingly. At this juncture, I have yet to hear back from him or anyone else re [ resenting this institution. I am extremely concerned that this account is now 54 days past due and I am in desperate need to try and resolve this before the 60 day mark. This means that I now only have 5 more days to rectify this situation or else NFCU will report a 60 day late to the ( XXXX ) credit bureaus ; XXXX, XXXX and XXXX. As noted in my previous claim and the conversation I had with XXXX XXXX, NFCU has already reported a 30 day and I fear extreme penalties with not only NFCU but additionally my other creditors accordingly. 

This is simply yet another example of how not one single person re [ resenting NFCU has carried out what they stated they would do. All the while, me the customer is paying for it via XXXX, financially and soon to be ever more so credit worthiness. I feel that this is unacceptable and simply do n't understand why no one seems to care enough. I would have thought that at the very least if the only motivational factor for the bank would be for them to get paid for the outstanding debts I have accumulated, they would at least rectify these concerns. I would appreciate someone calling me back today regarding both of the cases so that me and my family along with NFCU can hope to take the next steps so that we can all go back to some form of normalcy defined as no delinquent payments and 100 % visibility within my accounts. I can be reached absolutely any time @ XXXX. 

Regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
In or about XXXX XXXX, I was XXXX program which XXXX. The boat that I was riding on for this XXXX race crashed and I suffered XXXX, which left me unable to work. I was able to obtain a reverse mortgage with XXXX at the time. I was responsible to keep up with the property taxes. I fell behind on my taxes with XXXX and they were gracious enough to allow me to pay {$210.00} per month until the {$7600.00} was paid off. After making two payments to XXXX, the loan was transferred to RMS. RMS refuses to acknowledge the payment arrangement I had with XXXX and is now threatening to foreclose on me. Two weeks ago when I called, I was informed that to avoid foreclosure, I would have to pay a lump sum of {$7600.00}. I sent RMS a chashiers check and they refused to cash it. They are claiming that they paid over a XXXX on XXXX XXXX, XXXX for my property taxes. However, I had paid the property taxes on XXXX XXXX, XXXX. I borrowed the money to pay off the balance DESPITE the fact that I was on a re-payment plan with XXXX and RMS refuses to acknowledge. Now, RMS mistakenly paid property tax which I already paid and they are refusing to stop the foreclosure process even though I jsut XXXX them a LUMP sum of {$7300.00}. Not only is RMS acting unreasonably but they are violating the agreement I reached with XXXX. Now they are going back on the amount stated to me that needed to get me out f foreclosure, I am XXXX I am over XXXX years old,, I am current with my property taxes and I just gave RMS a check for {$7300.00}. They made the mistake of paying a property tax in addition to what I paid. I am on a fixed income and I can not give them the extra {$1000.00}. Please tell them not to treat old and XXXX people in this manner. They could easily have worked with me so as to avoid foreclosure they have a lump sum of money and they want to throw this old and XXXX man on the streets when I have complied with every demand. Please help me XXXX bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services
State: OH

Complaint narrative:
Debt collector verbally abused me, called me XXXX and used inappropriate abusive language to myself, my husband and left threatening abusive messages on my neighbors and family members answering machines. Threatened to sue me and threatened legal action if debt not immediately paid. Made unauthorized debits to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The loan origination fee listed on my Good Faith Estimate does not match the fee on my closing documents. Also, the company has promised to refund a fee that was charged to my credit card, but no credit has appeared yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Financial Services, lnc
State: NC

Complaint narrative:
I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I have a baloon mortgage with Wells Fargo. I have been trying to get a refinance with a better rate and more reasonable terms. Our refinance consultant has made it almost impossible to accomplish this. He/ they have made unreasonable demands before they can close. The amount in question is very small and our appraisal is more than twice the amount to be refinanced. Very poor communication and customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have several casino withdrawals from my account. As you can see in the attached statement, XXXX transactions for {$50.00} I was charged a {$35.00} fee for saying they 're fees for transactions received. 
Then XXXX {$50.00} item after that says NSF returned item fee for XXXX. So since the first XXXX said fees for items received, I concluded they were paid and I was just charged. Now these XXXX items are posting as retry payments when it was n't clear they were returned like the XXXX one stated. Wells Fargo also does n't show the balance with each transaction so you ca n't tell if your balance is negative or not, giving you the chance to deposit money to cover the balance. You also do n't know items were returned until the next day when you get notice. Again if the balance showed online, you would be able to see the balance was negative. The only thing they do is offer their services for overdraft protection, of course a sales tactic. I believe all of these banks count on the fees they can gouge from our accounts and they do n't work with their clients. Everyone I know in this world is struggling with this economy and we, the middle and lower class get screwed by banks with these fee gouging and lack of communication. Wells Fargo has the worst online site and their customer service is the worst. All they do is quote policy and do n't answer specific questions you ask. I have direct deposit every two weeks and manual deposits on the weeks in between the direct deposits so Wells Fargo knows money will be in my account. I also enjoy online casino gambling so money is deposited from this as well. They can see how much money goes in and out of my account. Even when I contact them through their online site to advise a deposit is going in the next day, they still say they ca n't help and I have to call. Everyone uses email as means of communication these days with our busy work schedules so why do they force you to call? Sorry, got off track of the issue. Not knowing these items were returned and going to be retried have caused problems with my balance available and will effect everything else coming in. Someone in this country must address these bank issues as they are killing our accounts with their outrageous fees. The items I 'm talking about are the recent items but it copied a whole statement.

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 2017-02-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I took out a loan on a car. I was the primary and my mom was the cosigner. Due to finacial setbacks she missed several payments on the loan and it was repossessed. I was not given an option to pay the total missed payments. I was told the car was sold but not for how much. The company sent the bill to collections but i thinks it was for the total amount. We moved several times and the collection agency started to garnish my moms check. She changed jobs and they still did not get in touch with us.the collection company has now started garnishing my wages. I am a single mother and they are taking XXXX dollars out of my check every 2 weeks they have agreed to decrease the garnishment but only to XXXX dollars a month.

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 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has charged me a {$15.00} fee in connection with an individual ( relative ) wire transferring money into my checking account. Wells Fargo refuses to refund the full wire transfer fee of {$15.00}. My position is that the fee is unfair, inequitable, and that Wells Fargo did not fully and properly advise me of this fee when I opened the 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 monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have overdraft protection on my bank account, yet my bank does not honor it. I understand that the bank still charges an overdraft fee, buy are n't they supposed to therefore cover the payment that caused the overdraft? All I want from this service is for it to protect me from being charged twice, once by bank, and second from business check or transaction was made out to. Am I wrong, or is n't this what overdraft protection for?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo charged off my student loan in error XX/XX/XXXX. My payment compliance history was stellar. They ignored my calls about the error until XX/XX/XXXX. Wells Fargo then requested my cooperation in paying arbitrary amounts over several months necessary for their system to reinstate my account, which I accommodated. Wells Fargo charged my account off again XX/XX/XXXX and again are ignoring my request for correction. This is damaging my credit again!

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 2016-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has been allowing my checking account to be debited {$9.00} per month for approximately ten years and this was unauthorized. I am concerned they are involved in a 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 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
In XXXX 2013 I did a loan modification due to being delinquent in my house payments for approximately 6 months. Since it was thru Wells Fargo Bank everything was done thru the mail. On a {$84000.00} loan, I was required to take out a second mortgage for {$32000.00}. I 'm certain some of that was because I was {$6000.00} arrears but it was never explained to me what the additional {$26000.00} was for. I do n't have any documents showing itemization. I have asked many times and even put it in writing for copies of all loan modification documents from XXXX 2013 but today the bank has n't complied. Their phone number is XXXX XXXX XXXX XXXX. Thank you for your help in this matter.

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