vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have a Wells Fargo Signature Visa card. We see an interest charge on this month 's statement. On Wells Fargo online we can not find any information about the interest rate charged or the method of calculating the monthly interest charge on the WellsFargo.com Website, which we use for all our banking. I called Well Fargo Customer Care on the Visa statement and asked to find out where this info is available on the Website. The first person said he was not familiar with the online and transferred me. The second person said he was the Web site person and after XXXX minutes of trying, established that this information was not available on Wells Fargo.com and was also not available on the VISA monthly statement! He gave up trying to find out where on the site to go. I said I wanted to register a complaint and was transferred to another Customer Care person who gave me a case # of # XXXX and a phone number of XXXX XXXX ( Executive Offices ). I am writing now because in my experience when the answer is negative, that rather than say that ( on a recorded line! ), that you are referred to someone who will call within 24 hours. 
Okay, so my complaint is that neither the Wells Fargo online nor the statement show this significant consumer information easily available to the consumer where they themselves advocate the customer should do their banking when possible. That missing consumer information is twofold : 1 ) the interest rate including the APR charged on their Wells Fargo Signature VISA card, and 2 ) the method Wells Fargo uses to determine the monthly interest charge posted to the account. 
I know there was a booklet we got maybe even annually where that info may reside. That should not be the only vehicle for transmitting such significant information that the consumer should have readily available as they look at their statement and make their economic decisions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Re : REFINANCE LOAN WRONGFULLY DENIED Dear Commission on Real Estate & Loans : As a citizen of the United States and a Tax Payer and as a Person with integrity and good Personal Credit History I would like to bring to your attention a wrongful denial for an Application to Refinance an Existing Loan from a higher interest rate to a Lower interest rate. 
On XX/XX/2016 I received a letter denying the application for a home refinance loan from my ( now former ) mortgage holder, Amerihome Mortgage, LOAN # XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; Ph XXXX. The letter explained the reasons for the denial were that, ( a ) not enough income was generated and ( b ) income could not be verified. This letter had a very upsetting tone because, # 1 It came after 3 ( three ) months of no contact from the lender ; # 2 the lender did not inform me promptly of the situation at hand ; # 3 did not make any attempt to clarify the situation of the income or of any other information the loan might additionally need. 
# 4 it was a waste of time waiting for a response, time that could have been used to find a more capable lender to serve me. 
Points to be made here are : ( a ) the refinance loan process with Amerihome Mortgage started XX/XX/2016 when the application was signed ; ( b ) the denial letter was sent on XX/XX/2016. There is a gap of three and a half ( 3.5 ) months that we were kept waiting for something that was to be denied anyway. 
On XX/XX/2016 I inquired and started the same application process for a home refinance loan with XXXX, and to my pleasant surprise the whole process took only a month and IT WAS APPROVED! 
Therefore, I am writing this letter hoping to bring to your attention that some lending companies are incompetent. These lenders are wrongfully accusing people of not having enough income or not being able to verify their income. In my opinion, this a discriminatory practice set in place to be able to protect the interest of Amerihome Mortgage, and to forcefully keep their clients paying higher interest rates. During the application process with Amerihome Mortgage I felt intimidated and belittled. I felt intimidated because they were not returning my calls, they were ignoring my messages and they kept on promising that the loan has been approved, but the underwriter is still missing/looking for documents. 
I felt belittled, because the letter that was sent denying the loan made me despair and loose all hope that I could ever refinance to a lower interest rate. It also made me feel incompetent that although I work hard, I have higher education and I am currently employed, I could never make enough income to prove that I could live the American Dream of owning a home. 
Thank you for your understanding.

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 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently re-applied for mortgage assistance through Wellsfargo Home Mortgage. On XXXX/XXXX/15 my attorney sent my financials and application to be considered for a modification. On XXXX XXXX, my attorney called to confirm receipt of documents that were faxed and they said they needed additional documents which were faxed the same day. My attorney followed up again XXXX XXXX, 2015 for a status on docs that were sent on XXXX XXXX, 2015 and they now asked for additional docs which were never requested however, I complied and sent everything via fax again on XXXX XXXX, 2015. On XXXX XXXX, attorney called for status and again they asked for additional docs and a lot of the same docs that were already submitted which leads me to believe they are not reviewing the paperwork I am sending and are not interested in even helping me. I continue to advise them I have a sale date and to please tell me what is needed at all once so we can avoid any delays but they never give a good response other than request additional documents. Therefore, I complied and sent everything they requested again XXXX XXXX, 2015. Today XXXX XXXX, 2015 my attorney calls for status and they are advised that they are still in need of additional documents which have been sent twice before. I am filing this complaint because I have complied with all their requests and they are not reviewing the docs and are simply telling me to send things everytime I call when I have proof that I have mailed everything they have requested over the phone. At no point have they called me or provided anything in writing to ask for anything unless I call for a status. For this reason, I ask for your assistance as I am doing everything possible to keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I keep getting collection notices from Wells Fargo Bank for amount due at the time apprx {$11000.00}. I keep asking for signed receipts to see if I really owe the money. All I get back is according to our records I owe the money.

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 2016-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In short, my home was foreclosed upon due to a divorce where my ex-wife would not sign any documents related to the foreclosed home. I understand that the mortgage company is not responsible for that. Regardless, of the circumstance, the foreclosure falls on me. The court proceedings for the foreclosure were concluded over two years ago ( XXXX/XXXX/XXXX, Court Case # XXXX, XXXX XXXX ( MD ) XXXX XXXX ). The property was transferred to Wells Fargo on XXXX/XXXX/XXXX ( according to XXXX Property records ). The property was then transferred to HUD on XXXX/XXXX/XXXX ( according to MD Property records ). Wells-Fargo has left the foreclosure as open and active all this time. Their contention is that the foreclosure was not final until they improved the house for HUD to accept. I know that the house was not in the shape that it should take two years to rehabilitate to living condition. I do not believe that I should have to wait all this time for Wells-Fargo to make what little improvements were necessary for HUD to accept the home. Additionally, the house was conferred to HUD in XXXX of XXXX. Yet, the foreclosure remains open and the account is being reported to the Credit Bureaus as being delinquent.

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 2015-03-23 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank reduced the obligation amount owed on a line of credit that became past due when I became XXXX and my private XXXX insurer engaged in fraud (certified by the XXXX).  This left me on XXXX so I defaulted on this loan.  I have been trying to sell my home to pay of this loan.  Last year, Wells Fargo agreed to reduce the balance of the loan.  I am re-listing my home with a new agent and he said I need to have the lien on my home reduced to the new amount Wells Fargo settled for before we re-list the house for sale.   The settlement letter I have from Wells is dated XX/XX/XXXX and there is no expiration date on the offer.  When I phoned them to ask for a lien modification so they can get the new payoff in escrow after my house sells, they said they wanted to collect the old amount.  So I said:  "Is your letter of XX/XX/XXXX a lie?"  They said, "yes."  

This is an allegedly shady move on Wells part to agreed to a lowered amount in a letter which is unenforceable because of the lien on my home.  A good faith lender should reduce or eliminate the lien in favor of the negotiated amount in this letter so I can give that to the escrow officer to pay off when the house sells.  

CFPB helped me with this matter back in XX/XX/XXXX.  It has an old case number, but we need a new case opened up on this.  The old case number was used in my letter to you XXXX weeks ago and it resulted in a "duplicate."  So I will not give you the old case number unless you ask for it.  However, with my email address you can see the transaction.  Thank you so much for your help.  I am trying to settle my debts with the sale of my home I built in 1987.  I bought private XXXX insurance so this would not happen, but there is no white collar crime enforcement in this country as respects insurance companies.  Thanks for your help.  I really am grateful for the CFPB.  Best wishes, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Since I opened this account for my fiancee 's engagement ring with wells fargo I have made payments exceeding the minimum and if I worked overtime several payments a month. then in XXXX and XXXX this year I made XXXX payments in early XXXX and Early XXXX, but for some reason they refused to recognize the XXXX payments and charged me a late fee and did not credit me with any payments in XXXX stating I owed XXXX dollars with a 25 dollar late fee. They have been unwilling to recognize the payments or waive the late fee at this time. I make payments the day my pay checks come in every other week and hope to get the billing cycles moved to recognize the paycheck that arrives during the first 10 days of any given month will be gauranteed to be recognized on the billing statements since they seem to shift when the cut off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Monday, XXXX XXXX, 2016 I am not agreeing to pay for errors made by Wells Fargo in setting XXXX sale dates for my property which when challenged led to the withdrawal of those sale dates. 

Wells Fargo has had to withdraw these XXXX sale dates placed on my property because they were in error when the dates were set and because they have mismanaged the servicing of my loan and my request for mortgage assistance. As the lender is well aware, they had to withdraw sale dates set for XXXX XXXX, XXXX XXXX and XXXX XXXX, 2016. 

I do not expect nor will I accept the costs associated with these XXXX sale dates to be added to my loan. I am disputing any charges for these XXXX withdrawn sale dates and expect Wells Fargo to confirm here that no charges will be made to my account for this purpose. 

XXXX WITHDRAWN SALE DATES A TIMELINE OF COSTLY DELAYS & MISMANAGEMENT In spite of the fact that XXXX XXXX XXXX XXXX XXXX ( XXXX ) had already pushed back a XXXX XXXX, 2016 sale date due to servicing errors and received written confirmation dated XXXX XXXX from Wells Fargo that I had until XXXX XXXX to provide documents according to a checklist they provided, Wells Fargo still set another sale date for XXXX XXXX, 2016. 

When XXXX challenged the lender 's basis for setting a third sale date, Wells Fargo withdrew the XXXX XXXX sale date. 

In. XXXX XXXX letter, XXXX XXXX XXXX states that no sale date was in effect when in fact her office had set a sale date for XXXX XXXX. On XXXX XXXX, she stated that only XXXX document was needed to complete my loss mitigation package and that document was provided to her during the call with XXXX XXXX XXXX, XXXX. of XXXX. XXXX challenged the XXXX XXXX sale date and it was also cancelled. 

On XXXX XXXX, I wrote Wells to follow up on my request for mortgage assistance. XXXX XXXX XXXX called me soon after to tell me a sale date had been set and that he was escalating inquiries about my application. Subsequently, the XXXX XXXX sale date was withdrawn.

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: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
When my mother passed away a few years ago, my brother and I needed to establish a trustee account in order to pay lingering bills. We did so with Wells Fargo, who, in view of the fact that my brother and I barely speak and have no trust in one another, the bank recommended a " joint/and '' account, which would require both signatures in order to write checks, move funds, etc. The bank required copies of Mom 's will/trust account etc for verification that all funds were to be distributed equally, with which they were provided. 
I have recently discovered that my brother was able to cash out and close this account, without my knowledge, consent or signature, for the full value of the remaining funds! 
The bank has stated that this account " did not need to be monitored '' ... and that they take no responsibility. 
What is the purpose of this account if it is not monitored? Why was my brother allowed to effectively steal the money? 
I work in retail ... if we sell a product that does not work as stated, we offer a refund. This account, which was suggested for both of ours ' protection, clearly " did not work ''! The bank XXXX, I am at a loss, and they tell me to " get a lawyer '' and sue my brother! 
In my eyes, the bank is at fault, and owes me half of the money but they refuse to compensate me for their misconduct. HELP!!

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 2015-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I keep being charged overdrafts after I cover the overdraft before it posts. The bank ( wells fargo ) posts it the date it was presented not the day it cleared and charges me overdraft fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Approved for a XXXX with Wells Fargo Bank and now had to firer contractor due to not completing the work in a timely manner. Then told that new contractor that wanted to use is not being validated. Please review there process of identifying qualifying contractors and making you pay for contractor work that is not inspected by them or county departments. I 'm now paying a mortgage and not in the home. This hurts home owners and the mortgage industy. 

Thanks,

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 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XX/XX/XXXX, my partner passed away and I was namedthe personal representative of the estate. Since XXXX XXXXI have been attempting to work with Wells Fargo to completea deed in lew of foreclosure. Wells Fargo has assigned mycase to many representatives who tell me that this is basicallyapproved, then not approved, then it is assigned to newperson. Wells Fargo had stated on the phone, of whichthereXXXX have been many calls they have recorded. 
that this is moving forward and their are no issues. 
There is a line of credit with WElls Fargo of whichthey stated they declined the {$6000.00} offer from thefirst, only to tell me on the phone they reversed thatand would accept it. I was told today that the previousHome Preservation Spedicalist was removed from theposition, and that he had incorrectly selected the wrongscreen and put my case into a different status ( I still do notunderstand ) and that I would need to start the process overagain. I have done everything I can and have so many lettersstating that this is moving forward, only to have the letter thenext day tell me it is not, then the following day it is. I havehad no less than XXXX home preservation specialist. This hasbeen ongoing since XXXX and when I asked to speak to asupervisor I was given XXXX, only to be told today, that personwas not my preservation specialist supervisor ... .so I was liedto. I do n't know what else to do and need assistanceto get this moving forward so it can be closed out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Foreclosure sale date of XXXX needs to be stopped. 

I submitted a request for a modification on XXXX, almost a month ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
These people claim that I took out a loan with them sometime late last year, but I did hear anything from this company till around XXXX of this year. From what I know, this loan company only has my home address & our phone numbers, nothing else. They have no signatures or my social security number that I know of! They have harassed me by calling my phone numerous times a day. They some how got my wife 's number and now call her several times a day too! I do believe they have been gathering info off my XXXX. They have came by my home and have beated on my door numerous times. I have asked them to stop over and over. They have harassed some of family members. I am assuming they found on XXXX as well because they have also harassed some of my friends too! Now, that I threaten to turn them in for harassment if they do n't stop, they now are dropping notes off at all my neighbors homes and in my XXXX mail box, which I thought was federal offense.. This is rediculous that a company can get away with this type of threatening behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I recently saw an article on CFPB took action against Navy Federal Credit Union, you article states occurred XXXX to XXXX, I have been banking with NFCU since XXXX, until XXXX when they froze my primary account, when I went to NFCU to inquire, they told me there was a collection agency my spouse was delinquent with ( my Spouse was not on my NFCU account ) the collection agency was collecting on a ( XXXX XXXX XXXX that had been paid off ) I was told by NFCU that they could not unfreeze my account unless ordered by a judge, I hired a Litigation Lawyer and went to court, was awarded a favorable decision and the judge told them to release my funds, my Military Pay was electronic transferred to this account, I had to find another bank and change my direct deposit, I maintained an account with them {$30.00} since then, whenever I tried to bank with NFCU to include 3 months ago, I am told since XXXX that I can make deposit only, no other transaction. I want to continue banking with NFCU, if this is resolved. I can not make deposit to accounts I can not use. XXXX XXXX thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank has the worse practice in the industry. 
I had a check to my customer in XX/XX/XXXX, it was cashed on XX/XX/XXXX. The same check was cashed again on XX/XX/XXXX. I called Wells Fargo immediately, it still let the check go through. I have to call them XXXX times. The only explanation I got was it was done by mobile deposit, it can not be caught. It is real scary thing in the banking industry, it means the same check can be cashed many times and the bank do nothing to stop those kind of activities and the worse the part is Wells Fargo wo n't stop that and gave all the non-sense excuses for those kind of practice. 
Wells Fargo has to have action for some clients who do not allow the mobile deposits. Could you imaging the 6 year old check can be cashed XXXX times?

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