vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX of XXXX I signed for an auto loan with Wells Fargo Auto Finance. In XXXX of XXXX I moved from the address they had on file with me but the car stayed with my wife at the old address. On XXXX XXXX XXXX I mailed Wells Fargo a change of address letter. I never started receiving bills at my new address so on XXXX XXXX XXXX I sent another change of address letter but again nothing was changed. In XXXX of XXXX Wells Fargo transferred this account to Wells Fargo Dealer Services. The last payment on the account was in XXXX of XXXX. At this point the title was then mailed to the old address so I never received it. In XXXX I had to call WFDS and ask them to send me a title to my new address so I could see the car. They would n't send me a title, just a release of lien so I could go down to the tax office and get a new title. Because they never changed my address and billed to the correct XXXX I had several late payments with them that are still adversely affecting me today. I would like these late payments removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Overpaying of interests during the Refinance : I have a 30 year XXXX ARM from Wells Fargo Bank related to my primary residence ( co-op ). In XXXX 2015, I refinance a 15 year fixed rate mortgage from XXXX XXXX with closing date scheduled on XXXX XXXX, 2015. XXXX XXXX 's policy is to fund three days after closing-XX/XX/XXXX. And XXXX branches are open on XXXX XXXX. However, the Wells Fargo attorney office is closed on XXXX XXXX and can not release the stock certficate until XXXX XXXX. And the settlement agent ( XXXX XXXX attorney ) wo n't release the cash disbursement to me until XXXX XXXX. However, XXXX start charging me interests on Friday, XXXX XXXX even though the settlement agent can not release fund until XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I recently wrote a check to someone out of my Wells Fargo account. I ended up canceling said check because person waited to cash the check for six weeks. I could not remember the number of this check so therefore I canceled a range of checks. Well, 4 days prior to this I had written a check for my rent. I did not realize but the check that I had written actually was XXXX of the range of checks that I canceled. The only way that I found out about this is because the check did not come out of the account for over 3 weeks and I went to my WF bank to see what was going on. I also called my rental management company. The rental management company had actually cashed the check but Wells still has not returned the money to them because the check was stopped. I issued another check but that check on their end still has not been noted as canceled or returned or anything. It is odd to me that it took this long. I also could have had other items coming out so this caused me great distress. Please see if something can be done. Wells still does not have any details on the check other than it was submitted for depository on the rental property 's bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Good day and thank you for resolving my last issue with Wells Fargo Bank. Yesterday I went at the Wells Fargo Bank with a copy of my letter of verification for dated XXXX XXXX 2015 for an updated letter for the last six months which ended in XXXX, 2015 and was very unsuccessful. I call the toll free number and spoke to a representative and her supervisor XXXX XXXX and was unsuccessful. I need this verification letter for a XXXX waiver program to be submitted by XXXX/XXXX/2015. Please assist ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was given an automatic upgrade to my Wells Fargo, which had an increase in the rewards program of XXXX points per dollar instead of XXXX, effective XXXX XXXX, 2015. 
I called at the end of XX/XX/XXXX//beginning of XXXX, and a lady confirmed that the increase was correct. 
I get my XXXX statement, no increase. Called again, then told it would take XXXX to XXXX billing cycles. 
I wait for the XXXX statement, still not given credits and I call XXXX/XXXX/15. I am bounced around to find XXXX side of Wells Fargo shows the XXXX points, but the reward side stills only shows XXXX. Told wait another billing cycle. 
XXXX statement, same thing and I call XXXX/XXXX/15, bounced around again, but this time a supervisor says he will send an email to the rewards side and have them call me on either XXXX or XXXX. I receive no call, but instead have to call them on XXXX to still have no resolution of the now {$150.00} worth of credits I have not received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted Wells Fargo Customer Service on XXXX/XXXX/16 via phone from XXXX PST notifying them of a charge that was going to be making, a purchase with my debit card for {$4000.00} USD from a hospital in XXXX XXXX , because I needed immediate medical treatment or XXXX. I was XXXX with a life threatening issue and was seeking medical attention to save my life. Wells Fargo told me on the phone they would not allow the purchase even though I had sufficient funds in my account and a balance of about {$5500.00}. Wells Fargo refused to allow this purchase while I was literally begging them with my life to let the purchase go through. Literally, I am in the hospital waiting room XXXX and Wells Fargo would not let me access to my money. I explained all of this and the Wells Fargo Customer Service rep hung up on me and refused to let me access my money. I had thee hospital run the card anyways in desperation but it was declined. In XXXX XXXX hospitals do not just treat you, they require payment up front, it is not like in XXXX. I had to get into a taxi cab XXXX, take the taxi back to my living quarters, get a different debt card for a different bank, take the taxi back to the hospital and use that other card to save my life. Wells Fargo knows I frequently travel to XXXX XXXX, they have this information on file. I was using my account for small purchases regularly. What Wells Fargo did is beyond unacceptable. It was extraordinary that when a customer is on the phone, fully verified, with available funds, explaining the urgent and life threatening need to access to their money, and to be refused and hung up on. Wells Fargo should be put out of business for treating its customers this way. It is despicable. It is wrong. XXXX I could have died. To put a XXXX person through this ordeal should be criminally punishable. There was no excuse for the negligent handing of my phone call and XXXX on my life by Wells Fargo that day by refusing me to access my money to pay for my healthcare needs.

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 2015-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
XXXX, 2015, I submitted a mortgage payment in the full amount owed of {$1900.00} on XXXX XXXX, 2015 to Carrington Mortgage, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. With previous months being current, this payment was to satisfy XXXX 's required principal, interest and escrow payment in full. Although late fees remained unpaid at this time in the amount of {$73.00} for XXXX non-sufficient ACH returns, the full amount of {$1900.00} was received, tracked and debited from my account by my credit union, but not applied to my XXXX balance with Carrington Mortgage. This action caused my account to become XXXX days past due and Carrington Mortgage submitted this payment history to the credit bureau. Upon further verification through my credit union about the payment in question, it was confirmed that {$1900.00} was in fact paid to Carrington Mortgage on XXXX XXXX, 2015. In a good faith effort, I made no fewer than XXXX calls in the month of XXXX and XXXX to Carrington Mortgage 's customer service department and to their immediate supervisors to resolve this matter. The constant response was to deny that XXXX 's payment was ever received and that my best resolution would be to work with my credit union. On XXXX XXXX, 2015, following the instructions of Carrington Mortgage, I submitted a Written Statement Of Unauthorized Debit to receive the {$1900.00} in the form of a credit back into my account so that I could withdraw official cashier funds to re-apply XXXX 's payment to my account. Ironically, XXXX 's payment of {$1900.00} was now due, but still within the grace period were no late fees were assessed. Again, in good faith, I withdrew {$4000.00} total on XXXX XXXX, to cover XXXX XXXX, XXXX and any other fees outstanding on my account. On XXXX XXXX, Carrington Mortgage acknowledged receipt of these certified funds, but chose to apply them in a manner that now reflected an outstanding balance for XXXX, 2015. After several more calls between XXXX my credit union and Carrington Mortgage, I 've concluded this is my final option for recourse to insure the funds I paid are applied correctly and that any negative credit reporting be reversed from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i feel behind on my mortgage two months later i called to make full payment the refused to accept payment asking for an additional XXXX to accept payment have been submitting loan modification paper work for five years and wells fargo and ASC keep giving me the run around also they gave me a trial run of XXXX a month for six months i complied with payments after i completed the trial run i requested my payment amount the said that was my payment and refused to give me the modification and now the refuse to look at my paper work again for a 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 2016-05-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Dillards is reporting that I have a balance. When I called. there is no record of 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 2015-11-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a XXXX mortgage with Wells Fargo. I have been requestinginformation from them. They keep saying they need 16 days. They have been trytrying to foreclose on my mortgage from day one. They destroyed thePromissory note and sold my mortgage as a mortgage back security. 
I asked for the original contract with my signature and payment historythey sent me a bogus paper that was not the contract I signed. I asked forsomething showing the recording of the sale or transfer of my mortgage to themthey stated that they do n't own it. THIS IS FRAUD. TODAY THEY CALLEDAND STATED THAT THEY ARE FORECLOSING ON MY HOME

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union has blocked all access to my account but continues to send me email notifications that my credit card statement is viewable online. However, they have disabled my online access and I have not received a paper bill in the mail in two months. This is a direct violation of the fair credit reporting act which requires creditors to provide statements to customers monthly. Furthermore, Navy Federal Credit Union is trying to place fraudulent charges back on my credit card for transactions that were not authorized by me and XXXX credit cards had fraud on them from being lost. Navy Federal has not been compliant with resolving my concern and advised that I retain an attorney. However, they can not provide me with sufficient evidence to support their claim for trying to rebill my credit card. Furthermore, since they failed to mail statements accordingly I was under the impression that I had sufficient funds in my checking account to make my minimum monthly payments but I did n't and was several days late making the payment. How am I to view my credit card statement online when my online access is frozen?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
ComplaintDescription of the complaintI contact Navy Federal Credit Union on XXXX XXXX, 2015 regarding access my old account in order retrieve funds that was credit to the close account the reason for this they had told via phone several times that they can not credit the new account they have credit the old account which I do not have access to. I ask why would credit account that closed they stated that that was they policy. So today call will be see if I can have access to my account which have funds belonging I spoke to XXXX stated that I would will not be able access the account because the account is negative now I did cause the account be negative Navy Federal Credit Union authorizing transactions and hold me responiblity of Fraud Account I contact them and stated that this is a Fraud Transaction why then will I be held responible for fraud I did not do it. 

How complaint can be satisfactorily addressedThere 's alot of money coming up missing due to the lack of management of accounts and Product, Services and Navy Federal Credit Union is getting away with stealing member money a investigation is need to catch all involved with stolen money and mismanagement of member account and they should be charged and convited for all illegal handing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo has again withdrawn money from our checking account even though their authority to do so was discontinued on XXXX XXXX, 2016. We realized that the company can not be trusted to have the authority to auto debit our bank account after they repeatedly withdrew more money than they were entitled to. Yesterday, XXXX XXXX, Wells Fargo drained our checking account of {$1200.00}. We did not owe them this money and they did not have the authority to take it. Since we have other bills we need to pay, we called Wells Fargo customer service immediately, who verified that Wells Fargo told us they would eliminate auto-debiting our account on XXXX XXXX. We then explained that we need the money to pay our other bills, the customer service rep explained that, although he was very sorry we were put into this position, there was nothing he could do except request that the money be returned, which would be in XXXX 10 business days. In many past incidents with Wells Fargo, we know that they do not get things done in XXXX to 10 business days. Meanwhile, how do we pay our other bills? 
Is this in retaliation to our XXXX former complaints to CFPB about Wells Fargo, which still have not been responded too? When does a bank 's mismanagement of customer 's money become criminal? Wells Fargo is clearly profiting by taking money they are not owed and holding on to it while the customer suffers.

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 2015-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I bought a vehicle in XXXX, Georgia in XXXX. Wells Fargo financed the vehicle, and they used a recording to my school where I worked to call me, as well as my cell phone. The recording would call me each morning and sometimes during my lunch time at work. Co-workers who answered the phone would tell me Wells Fargo called or my co-worker would leave notes in my mailbox to let me know Wells Fargo called me. Whenever, I was late on a payment, they called and threatened me, saying, that they would come to my job to get my vehicle. This would cause me undue emotional stress. I paid Wells Fargo XXXX payments plus {$5.00}, XXXX over the amount I owed. XXXX they called during my lunch break and I talked with them I became sick in which my XXXX XXXX shot up so high, I had to be taken to the hospital. I stayed in the hospital for several days, doctors tried to get my XXXX. My doctor asked me if I was worrying about something. I was too embarrassed to say what had just happened. I have never received my title and have not received any correspondence from the last letter I sent them dated XXXX XXXX, XXXX. I have all of my documentation of letters, and payments that I have sent them over the years. I also hired an attorney in XXXX XXXX, and he has not been able to get my Title. I have had undue stress concerning this situation for over the past several years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: NM

Complaint narrative:
I 've had many issues with Franklin American Mortgage company. However my chief complaint with them and reason for coming to the cfpb, is the fact that they sent an inspector out to my home after I had become delinquent on some payments and that inspector took it upon themselves to turn off my water. Once that inspector turned off my water without my knowledge, the boiler that runs on gas proceeded to still run and the gas burned up my boiler. Now my boiler caused a small fire in my home and that fire has ruined my boiler. When I called the mortgage company and asked them what they sent an inspector to my home for, they said that it was because I was delinquent on payments. But at the same time I had also already supplied them with XXXX applications for short sale / deed-in-lieu of foreclosure documents. I have been working with the company since approximately XXXX of 2016 trying to get a short sale or deed-in-lieu of foreclosure started. However I got nothing but the runaround for almost the entire process and it took an entire month to just get them to send the application to me. After the application was sent to me the first time it was processed but they never sent me any notification that they required additional documentation so they just closed out the application. The next time I started the application over they actually lost the documentation and now I 'm in the third time of having to send them the application. When I asked to elevate it to a supervisor, the supervisor gave me an incorrect extension and fax number for them. Luckily and thankfully the VA that also is in charge of my loan, called me and they are now assisting me with getting the correct documentation over to the subservicing company. However at this current time I am over {$9000.00} delinquent and I feel that that amount would be much less if they would have just aproved the initial short sale or deed-in-lieu of foreclosure documents. And on top of it all, I understand that I am delinquent on payments, however I feel that they should not harass me by calling every evening after XXXX finally after telling the VA all of this, they suggested that I contact the cfpb with a complaint and ask the cfpb to assist in getting the mortgage company to purchase a new boiler for the home in question. My insurance will not cover it because the XXXX person who dealt with the boiler on fire, would not provide a more detailed statement due to liability issues. I would like to thank you in advance for reviewing this complaint and I look forward to hearing from someone regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I purchased an Infiniti SUV in XXXX XXXX and traded my XXXX Infiniti in who was financed by Wells Fargo Dealer Services. XXXX XXXX was provided a payoff in by Wells Fargo in the amount of {$27000.00} ; this amount was sent to Wells Fargo to payoff my XXXX SUV ( see attachment ). Wells Fargo Dealer Services then contacted XXXX XXXX stating an additional {$260.00} was outstanding on the XXXX SUV and this amount was paid. In the meantime Wells Fargo Dealer Services sent XXXX /30 day late payments to the Credit Reporting Companies ( for XXXX XXXX and XXXX XXXX ). In XXXX XXXX Wells Fargo Dealer Services sent me a refund check in the amount of {$74.00}, this indicates there was never {$260.00} outstanding on the vehicle. This false report has severely damaged my credit and caused me to get denied for a mortgage loan.

Company response to consumer: Closed with explanation