vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
What Wells Fargo done is not right. I was told last week my refund from My escrow account would be {$570.00} when I received the check it was $ {$41.00}. What I do n't understand I got {$370.00} last year and you compare the number of statement the XXXX do t make sense that we 'll Fargo sent me. I asked consumer protection to look into 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
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a mortgage loan through Navy Federal Credit Union. I received a preapproval, based on my current gross take home pay. I was then informed to find a home and place a contract. And that once the home was under contract I would then receive finally approval. I am self employed which I informed the bank up front, they requested my XXXX and XXXX for the past 2 yrs, which I sent over. I found a home in XXXX XXXX, 2016 and place a contract on the home. I spoke with the loan officer in XXXX to ensure that all of the documents that were needed to qualify they had. She ensured me of such. After I went under contract, paid for home appraisal, inspection, title search and survey. The bank had all the information need prior to requesting my tax returns to issue a letter of denial. They had my Federal Tax transcripts which are the exact same thing as my tax returns. They never requested my tax returns from me until that 8 days before closing. Federal tax transcripts are the exact same thing as my taxes. They are no different. At the time of them reviewing my tax transcripts, they should have issued me a loan denial. This was negligence on the banks behave. Three days prior to closing the bank sent me a denial letter! After myself and my Broker requested for the last 2 weeks prior to closing for them to respond with either a letter of commitment or denial, they waited until 3 days before closing to deny. They had received my tax transcripts and based on that alone they should have issued a letter to deny. But they did not! They continued to request further information, that had no bearing to change the fact that what was the income on my transcripts matched the income on my tax returns. As they are XXXX in the same! They knew XXXX2 weeks prior that they could not approve the loan and that is the time they should have sent out the denial letter. By the bank delaying their response placed me in breach of my contract in the purchase of the home, in the state of FL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I forgot to set up auto pay but never received a late payment notice or a phone call from Wells Fargo. The first time that they called me I answered the phone and when they told me I was late on one payment and the next payment was due, I immediately paid them both and went online and tried to set up automatic payments. Which I had to do at a later date because it would n't allow me to do it on the same day that I had scheduled a payment. It was n't until I applied for another loan That I found out they had reported it as having gone to collections at the credit bureau, although they had never started a collection process. They Temporarily ruined my credit, we were unable to make the purchase and it caused me great concern about restoring my credit. I contacted them and the credit bureau. They would do nothing to help and said they consider a loan to be in collections a week after it is due. What an abuse of the power they have over consumers.

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 2015-08-03 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Windham Professionals, Inc.
State: NJ

Complaint narrative:
My Student loan was permanently discharged, on XXXX XXXX, XXXX with a 3 year moniterng program, I have complied with all the requirements as stated in the letters from the service loan company XXXX. The last report for income was sent to them on XXXX XXXX XXXX, that would have been the last of the monitoring time. I have also received a XXXX form for the IRS. I am permanently XXXX, and have been since XXXX XXXX. Up until that time I paid the loan and was current and up to date. I now have received 2 collection notices from Windham Professionals stating that I owe the XXXX these loans, I have spoken to the head of collections at Windham, she suggested a 3 way conversation in which I agreed to after I spoke the Total and Permanent XXXX servicing unit. I was told by the servicing unit the loan was discharged on XXXX/XXXX/XXXX. And that I should NOT have gotten a Collection notice from Windham. According to the 3 way conversation Windham was going to e-mail a form to XXXX stating that the loan was permanently discharged this was my understanding. As of today 's date nothing has been solved it has gotten worst. Windham has sent me another demand for payment, and in speaking to XXXX they said that they filed to have the paperwork returned to them for discharge, from the XXXX XXXX said that they have not gotten the demand for the return. XXXX said that they can not send for the demand again for 150 days, this is absolutely in my opinion a scam from the pages of a book called " Nightmare in XXXX '' one agency is trying to say the other agency is at fault and the loan servicing company XXXX is trying to blame the consumer with neglect, when in fact I have all my paperwork to them. Also my credit report is in a shambles because of their neglect in not handling this matter correctly. I would like to know if there is anything else that I can do or say, in allowing this to take place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo was offering a promotional award for refinancing your existing mortgage. The stated award was a {$500.00} visa gift card. I have never received the award and was told by Wells Fargo that I would not be receiving it. I have emails stating that I was eligible for the award prior to closing on the mortgage. I have attempted to contact the mortgage broker and my local branch regarding the situation, but there has been no resolution. I completed my closing documents on the refinance nearly 90 days ago.

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 2017-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In XXXX XXXX our home flooded. In XXXX the insurance released a cash advance of {$20000.00} Wells Fargo endorsed the check and we were able to start the clean up process. When the remainer of the balance was sent to us Wells Fargo stated we needed a contractor and would not release more funds unless we completed the house to 50 % and passed approval. On XXXX/XXXX/XXXX Wells Fargo sent out their inspector and approved us for being 50 % completed. Now Wells Fargo will not release XXXX of the remaining balance.

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 non-monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/2015 my account was negative {$170.00} and some change. I deposit XXXX at XXXX and transferred XXXX from my saving to my checking because there were XXXX payments pending XXXX for XXXX in amount of XXXX and XXXX XXXX. I had an ending balance of XXXX at XXXX. I pumped gas at XXXX in amount of XXXX. I had a balance of XXXX at XXXX pm. On Monday XXXX XXXX I still had a balance of {$.00}. I have my teller receip and my email receipt that prof that I did have enough money on my account to cover my dish network payment. You have returned my payment and charged me a fee of XXXX dollars because you decided on Monday XXXX to cover my credit card putchace of XXXX for XXXX this payment had already been paid in Wednesday XXXX XXXX. I am so tired of being robbed by you. I am a single mom working my behind off to support my kids. It hurts me that you still from me when ever you want. I called your customer service number requesting an explanation and again I was disrespected By XXXX worrell supervisor of XXXX employee number ( XXXX ). He was so rude to me andkeept lying to me trying to make me believe that I did n't have enough money on my account. He offended me and hung up on me. How can you have people like him as supervisors it is so unethical. I feel so disrespected and humiliated by how I was treated. I need you to please refund me the NSF in amount of XXXX you have charged my account. I will never reach out to the customer service number because I do n't appreciate getting abuse. The bank ca n't keep doin what ever they want with my account its my money and I am certain that their was enough money to cover my XXXX payment. I want an apology for being mistreated and for all the stress I am going through because of WELLS FARGO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
After the recent news from Wells Fargo I decided to contact them about my experience. I was XXXX, looking for a simple account to put money in from an after school job. Some how I ended up with XXXX bank accounts and a credit card. I did not want these additional services and incurred additional fees because of this. I do not believe I should have ever qualified for a credit card, especially with the limit I had. I was told on the phone with Wells Fargo that unless I was contacted then I was n't part of the affected group. They additionally told me that I would be receiving a letter in the mail to follow up which I never received. The phone representatives acted like they had no clue about what I was calling about and like this was the first time they had heard about this.

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 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX did not have permission to pull my credit report.

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 2015-09-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This is in reference to XXXX number : XXXX with Wells Fargo not responding to my request or to my realtor. Wells Fargo says they have made several attempts to contact with me with the last letter being date in XX/XX/XXXX. Since XX/XX/XXXX I have attempted many times through email, phone to contact Wells Fargo. Each time my specialist who is supposed to be working with me is changed. If this is only letter the sent in XX/XX/XXXX, it is now XX/XX/XXXX. I have had XXXX different specialist, none of which respond back to my case, except to state they are no longer on my case. Today at XXXX on XXXX/XXXX/2015 once again called and have a new specialist : XXXX XXXX . I am not sure how to spell last name. She assured me she would call me back Friday. She did n't know much about the case except it showed was working on short sale. As for the short sell, they keep telling my realtor and I that I owe XXXX I only owe XXXX on the home. Its like they have a totally different person they are speaking with. There is another XXXX XXXX that lives in same town I do. If you look online, according to online stats, XXXX XXXX 's home has already went to court and been foreclosed on. I have never received a notification like this of any kind. XXXX from Wells Fargo said there was no record of foreclosure. So this makes me wonder if they are combining the other persons case with mine. I am not sure what kind of house the other person has, but my home is only worth about {$50000.00} if that. Its old and needs repair, but Wells Fargo will not even look at the home to access it. So how do they know they have the right place. For all I know this other XXXX XXXX could be in same boat I am and they are doing the same thing to her. I think I will get with this other person and see what situation they are in. I am sure there are many people in same boat. Wells Fargo keeps stating they try to get in touch with us, but we are the ones getting the run around. New specialist every month, that specialist has no clue what is going on. and process starts all over again. They responded by saying I have not paid. True, I have had finical hardship due to medical issues and they house in need a major repair, which every time I have tried to talk to Wells Fargo they can not help in any way. No matter how much you try to explain to them the situation or explain the loan is only for XXXX, they say they need XXXX. I am not sure where they get that. Even my realtor can not understand it. I think I shall just get a Lawyer and file XXXX or get with other home owners who have been through same and file civil suit. Obviously there is no other solution. Wells Fargo is the one who will not work with us, not the other way around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Last year around XXXX we received notice ( a postcard ) that we were included in this settlement, did not have to fill anything out. We then received a confirmation of this in XXXX that it would be completely settled in XXXX - never heard of it again. 
We would like to know the status of this please. 
Thank you.

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 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
I has a credit card through XXXX XXXX and I maintained payments until XXXX XXXX raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am suffering from a reduction of income by XXXX % and I reached out to the servicer of my mortgage to see if I could obtain a HAMP. I submitted all of the documentation and then a week later called the representative assigned to me. In that second conversation, she advised me the terms that FHA would give- and added that a {$40000.00} XXXX lien is going to be, no she stated exactly that, " a XXXX lien has already been filed on your house for {$40000.00} '' when I 1. was not even late with a payment and reached out to them in an effort to be proactive and not reactive 2. I had not agreed to any terms of any kind including what they were offering 3. a XXXX lien without any terms agreed upon places the house over the appraised value and would prohibit me from successfully selling the home. I have decided to attempt to sell the home and file bankruptcy. The terms that they offer is of little assistance. My complaint is the placement of the {$40000.00} XXXX lien when I in fact had not agreed to anything at all in any manner and was only seeking what options where available to 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 2015-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My debit card was closed without any notice to me. I had no access to my money for a few days until a temporary card was issued. The bank could only tell me that it was notified by someone that a potential breach had occurred and to close my account. The could not tell me who initiated the closure or when. I think I have a right to know these things.

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: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a Wells Fargo Credit Card that offered 0 % for 15 Months on balance transfers, and I was approved, and they automatically trasnferred my balance from my other card. When I get the card and statement in the mail it tells me I was approved for a " cash back '' card, of which I did not apply, that had a rate of 22.15 %. I called and spoke with a manager who says that since I already had a credit card with them that had had a previous introductory rate offer I was not eligible for this rate offer so they approved me for another card based on my credit. I told him I didnt apply for that card nor get an opportunity to deny the card once knowing that the card would be at 22.15 % but he told me that it states that the I may not be eligible for the rate if I already had a card with them that had in the past had a introductory rate. From Wells Fargo website : " Eligibility for Introductory Rate ( s ) and Fees : If you currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you may not be eligible for the above introductory APR ( s ) or fees. " The problem is that even if I wasnt eligible for the card I was applying to at the 0 % how are they able to take my application and apply it to another card with another rate that I did not approve or know any terms or conditions on?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo refused the release estate account money, with a surrogate form and a death certificate. They insisted I needed an EIN, even though I have an estate account with XXXX XXXX XXXX XXXX XXXX. This is after they lost the POD paper work that would have allowed me to withdraw the funds as the beneficiary.

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 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo account I have never owned. I wrote to them to request all records but they have returned nothing to me. 
12 years ago I had an account with Wells Fargo but that was closed. Nothing owed. 
Could this be another fake Wells Fargo account - at a different level? The debt collection company name is : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect Wells Fargo Bank account number XXXX. XXXX file # XXXX {$1500.00}

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 2015-06-04 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Contacted place of employment after I explained I am not allowed calls. Personal or Business. Left message on my work voicemail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO KEEPS REPORTING THE MORTGAGE ACCOUNT THAT WAS CLOSED AND PAID OFF MANY YARS GO. BUT THEY ARE REPORITNG IT AS OPEN, ACTIVE AND BALANCE PENIDNG.. THIS IS VIOLTION OF FCRA AND WELLS FARGO RESPONDED STATING THEY " WERE NOT ABLE TO DETERMINE THE SPECIFIC CONCERN I HAD ABOUT MY CREDIT ' WHEN I CLEARLY STATED IT IN MY LETTER TO THEM AND ATTACHED A COPY OF MY CREDIT REPORT SEE ATTACHED AS EVIDENCE

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