vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This concerns case XXXX. We contacted you to let you know that someone at Wells Fargo named XXXX has agreed to review our case again. Today we received a load of documents from Wells Fargo. All the responses given to Consumer Financial by Wells Fargo is false twisted information. It was Keep Your Home California who advised us to contact Consumer Financial Protection Bureau on the State and Federal violations by Wells Fargo. Now Wells Fargo is retaliating for us going to Consumer Financial for help. All the Bank has been saying is very confusing because it does not make any sense. We received Federal help through Keep Your Home California and now Wells Fargo is using the funds as a severe weapon to manipulate us. XXXX XXXX from Wells Fargo got upset because we are using the word blackmail to describe their actions. But we know of no other word that describes what they have done to us so far. All the mixed up information that Wells Fargo has confused all agencies with, we happen to have a paper trail of documents from Wells Fargo themselves that show proof of their illegal activity and their continuous lies and contradictions. Wells Fargo is illegally threatening us with foreclose as we are now in modification. If they attempt to foreclose it will be the second time they break California State law that says a Bank can not foreclose while someone is in the process of modification. But that is no problem with Wells Fargo as they had simply said the first time they done this, " We take no responsibility '', we suppose they will say the same again in total disregard of the law. We do not know what Wells Fargo wants, nobody does! We have fully cooperated to the best of our ability to do what Wells Fargo asks but no one knows what Wells Fargo wants, not even Wells Fargo. We have asked for our rights from Wells Fargo in this case and have been constantly denied. Would Consumer Financial please ask Wells Fargo exactly what is it they want. This has gotten totally out of hand by Wells Fargo. Please advise how we could liberate ourselves from these inhuman representatives of Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had a checking account with Wells Fargo Bank for a few months and signed up to their overdraft protection. They charged me overdraft fees that they were not supposed to charge and I already filed a complaint with your department about that issue. After they received your complaint, they removed XXXX of the fees. I immediately told them that I wanted to close my account since I do not want to do business with a bank that charges me fraudulent overdraft fees and they now say that I can not close the account since it has a balance that I owe. To be in good faith and so that my record would n't get affected, I stated to them that I would pay them {$25.00} per month. Now I hear in the news as of today, XXXX/XXXX/15, that there is a class action lawsuit in XXXX XXXX XXXX against Wells Fargo bank for charging overdraft fees and other types of fees to their customers illegally. I called them today and stated that I will discuss the matter with an attorney before making any kind of payments since I feel that the amount/fees they are charging me are also illegal like it states in the lawsuit. They stated to me that if I do not pay the whole balance in full immediately they will close my account and it will affect my records. I want to be able to close the account, not them, and I had already made payment arrangements and they would not allow me to close the account myself. I believe they just want to put all this bad reporting on my record in retaliation since I filed a previous complaint with your department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
My son purchased a home with a mortgage from Wells Fargo in XXXX XXXX. I paid {$150000.00} as down payment. I was listed as a co-owner on the deed. I did NOT sign the Note. The was foreclosed upon and Wells Fargo falsely sued me as having defaulted on the Note. They dragged this out for nine years, and filed many court extensions. This caused the Homeowners dues to escalate to {$10000.00} and made me liable as my son ended up committing suicide. The home finally auctioned in the courtroom in XX/XX/XXXX for way below current market value. I still have the stigma of having a foreclosure on my bureau of conveyance records. At age XXXX, I do n't need to be stigmatized after having excellent credit my whole life. Although the issue is now closed, their treatment towards me felt like senior abuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Moved to XXXX due to not being able to find a XXXX job in XXXX as a XXXX in XX/XX/2015, income became much lower, wells fargo has not helped with lowering my payments. I am struggling to pay for my private loans as well as my federal loans and I feel it is unfair that I went to XXXX school and now suffering and working 50-60 hours a week to pay my monthly loans. The lowest they have gone is $ XXXX/ month but increased my interest with out taking into account my monthly rent, car payment, and federal loans. I feel like wells fargo is not working fairly with me to help me or advocate for 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 2015-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My accounbt has been attacked by a company multiple times ( 8 ) in one day and multiple times ( 19 ) over the last few months especially. It happened also, a year ago and the compnay changed their name and did it again. There was XXXX company names that have tried to withdrawl ACH debits out of my account doing multiple times with less and less amounts at least 3 times in one day upto 8 times in one day. Each time I found out, I have called the Navy Federal Credit Union and they tell me to send in the request form to receive the return item fee charges that they have charged me each time it occurred. In the last 3 months, I have been charged {$550.00} in return items costs. I have faxed in the forms, and they tell me they did n't receive them. I went into the branch on XXXX XXXX, 2015 and they filled out XXXX forms for the charges and turned them into the deptartment that handles that amount. They refunded me {$200.00} and told me they were not going to give me the rest. I worked with XXXX and he said that he would get me the funds back, but now, on Monday XXXX XXXX, 2015, he said they ca n't. I then requested the reason for denying me in writing and they have refused. I went into the Branch again on Tuesday XXXX XXXX, 2015 and spoke with the Branch manager, XXXX XXXX at the XXXX, VA XXXX and when I requested again in wrting for the refusal to refund me the fees that they took from my account for a fraudulant company trying to ACH debit my account repeatedly after I had made numerous calls and attmepts to stop this, she said they were still researching it and it would take upto 3 weeks, if they determine to give me the fees back. I requested the elecutronic transmisions from all the attempts made on my account and she told me that there is n't anything to give me. When I told her that they needed to abide by the Regulation E. Electronic Fund Transfer Act, and return the fees to me, because I never authoized that company ( s ) to debit my account, she told me that the law did n't protect consumers against the fees incurred by the fraudulent attempts on my accout. I have re-read the law, and it clearly outlines protection for consumers against the bank fees that are incurred with fraudulent debits. They clearly felt I had fraud against my account ( by returning {$200.00} into my account ), but are refusing to refund me all that was incurred ( another {$340.00} ) with these transactions. I have notified them via, phone, fax and in person, as soon as I knew about the attempted debits starting in XXXX 2015, but they still refuse to follow the law. I really would like someone to make sure that they do n't continue to act as though no one can make them follow the law and enforce regulation on them. I want the rest of the fees of {$340.00} returned back to me asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo gave me wrong information when declining application for Home Equity Loan. 
1. They said that there was a foreclosure on the credit report. They claimed that a 'charge off ' if a foreclosure. 
I checked my credit report and also did a title check ; there is no foreclosure listed on either. 
2. They said that there was an {$1800.00} per month student load payment. 
I called my student loan company and checked my credit report ; the payment is listed at {$740.00} per 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 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My XXXX year old son started his first job at XXXX. When he came home from his orientation, he told me that " people from the bank were there and signed him up for an account. '' I was alarmed because he does n't know anything about banking and needs to be guided by an adult in opening and managing an account. Upon reviewing the paperwork, sure enough a Wells Fargo representative signed him and many others up for a checking, savings and visa debit card account with overdraft protection. Upon reviewing Wells Fargo 's website for accounts, teens are not authorized to open an account without a parent co-signer. I went into the Wells Fargo bank where the rep works that signed my son up, and asked them if my son could open an account on his own at XXXX and they said " no not without a parent co-signer. '' I explained that my son was signed up via a XXXX orientation and the rep told me that they routinely partner with XXXX to sign people up for accounts during orientation. I demanded an answer as to how someone opened XXXX accounts and a visa debt card with overdraft protection to a minor who does not know the first thing about opening a bank account, they responded that " their must have been a misunderstanding. '' I am concerned that this expoitation is likely happening to many many other teens who 's parents may not be aware, or may not speak or read XXXX ( in Texas this is very common ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of 2016 I was a victim of credit card fraud. I reported the fraudulent charges to Wells Fargo Bank. Wells Fargo took a report, canceled the credit card and told me they would issue me a new card. I later received a document stating that the claims and transactions I disputed were verified by Wells Fargo to be not allowed by me and they were removed from my credit card balance. I still had not yet received a new card and was also not able to access my credit card balance online nor make a payment. Around XXXX XXXX of 2016 I contacted Wells Fargo after receiving a letter stating that I needed to make a payment towards my account balance. I was transferred to XXXX different people who were all having trouble even locating my account. I told them I was unable to see my balance nor make payment and had not yet received a new card. Finally, after some time they said the problem was that they had not issued me a new card, and once they did that account would be accessible online and I could start making payments once again. I disputed the late fees and charges due to not being able to access nor gain information my account, but we never came to an agreement on those charges. Today, XXXX XXXX, 2016 after still not receiving my new card and still not able to access my account, neither online nor via phone ( when I tried to access it via phone I would received an automated response stating " We 're sorry we can not continue with this transaction '' and then I would be disconnected. After speaking to XXXX different people I was finally informed that my account had gone into collections even though I had not yet received my card not had access to my account as was promised to me by Wells Fargo. I tried to handle this matter and yet the things that were agreed upon on Wells Fargo 's end never came to fruition.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received a XXXX C Cancellation of debt for this account years ago. This is an old outdated account past the retention period. This account must be removed from my XXXX as it is causing me irreparable financial harm.

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 2016-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i fell behind on my mortgage due to a loss of income. i then contacted wells fargo to try and see what i can do to save my home. i have applied numerous times before to try and get a modification to possibly lower my monthly payment and interest rate and be brought current. NO ONE WILL HELP! i keep getting denied and this last time on XX/XX/XXXX they denied me bacause i did not have my income taxes done that i was not eligable and now i have a sale dat on my home on XX/XX/XXXX! I DO NOT MAKE SUFFICIENT INCOME TO FILE TAXES! please help me save my home!

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 2016-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Below is the, somewhat lengthly explanation of what has transpired in our efforts to get help from Wells Fargo in modifying our mortgage and home equity loan. 

It 's not all bad. This began more than a year ago when I was assigned a woman named, XXXX XXXX, who was going to handle our request. When I explained we 'd like to combine our mortgage and home equity loans, she transferred me to a XXXX XXXX, stating it was not in her department. 

After a very long process and with the help from his manager, a man named XXXX, we were able to modify our primary mortgage. So far so good. 

In my final conversation with XXXX XXXX he informed me that he was transferring all of our documentation to XXXX XXXX. When asked what I should do about paying the home equity loan, he told me to make no monthly payments, since it was in the process of being revised. 

Herein begins our difficulty. 

We kept receiving requests for documents they already had as well as tax returns that, at that time, had not been completed. 

After a bevy of letters, most saying that they needed more time to " make a decision, '' we were then turned down for no apparent reason. A full explanation as to why was never given. 

I immediately requested a review of the decision. At this time we inherited someone named, XXXX XXXX. He never called us and I have never spoken with him. 

Instead we received more letters ( I have a XXXX inch file ) and another rejection, again with no apparent reason given. 

During an interim conversation with a man named " XXXX '' Who claimed to be the same department who handles complaints to you, I thought we were making progress. 

Just this week, we received an XXXX XXXX notice, which makes no sense since our primary mortgage has been on time for the past year. 

At this point I do not know what to do. 

I 'm a XXXX year old self-employed, XXXX veteran, trying to survive. What these banks are doing to the American public is a travesty. They shuffle papers and create a blizzard of paperwork, designed to dissuade and discourage, all the while begging the government for handouts and special favors.

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 2015-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo - offered and provided me a Deed in Lieu of Foreclosure in XXXX 2014. XXXX my credit report it list the ( DIL ) I have asked Wells Fargo numerous times to provide me paperwork that states this is done. Wells Fargo has sent me the same BS info - '' Property preservation is in the process of preparing the home for the transfer. This may include any repairs, yard work or clean-up that they deem is needed. Once completed claims will review the file, pull updated title work and have the DIL documents sent for recording. This recording is the transfer of the home out of your name and into HUD 's. Once recorded you will be able to obtain a copy of the recorded DIL documents from your local courthouse. 

Once recorded HUD will review the file and advise claims to complete the final steps to close out the file. This includes the issuing of any incentive funds and is typically 60-90 days from recording. 

For any tax related questions please contact our tax customer service lines at XXXX or XXXXThank you, It has been over a year and based on Wells Fargo inability to get this done in a timely manner that house now has a hole in the roof, water leaks inside and I still get tax bill and local water bills because Wells Fargo is not living up to their art of this deal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern ; I file this complaint with the CFPB as I have exhausted every other attempt to rectify a great economic injustice, more accurately described as a deceptive ongoing theft, that I have been and continue to remain the victim of. This financial crime has, to this point, cost me in the neighborhood of {$300000.00} by my rough estimate but could perhaps be as much as {$500000.00}. As part of this complaint I will be asking Wells Fargo and its predecessors, the perpetrator of this deceptive economic deception, fraud, and financial chicanery to fully account for the amounts they have effectively stolen, and continue to steal from myself, and by extension my wife and children. 

I have documented the issues in this complaint in the attached document as not enough space is provided in this form

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 2016-11-15 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I borrowed a loan from a company called NetCredit. The loan amount was {$2600.00} dollars with monthly installments of {$150.00} debit from my checking account every XXXX of the month. The loan was funded on XXXX/XXXX/2015, up until this day I have only paid {$110.00}. When I called to inquire why my loan amount was n't going down I was told that some all the money goes to the interest and some months only a percentage goes to the principal. It has been over a year and in total I have paid {$1800.00} and only {$110.00} of the principal has been paid. The interest on the loan agreement is an annual rate of 65 %. When I called they told me that some months all the payments goes to interest. This can not be legal, this is abuse of power and abuse to consumers. This business should be investigated, when you borrow a loan and make monthly payments a portion should go to your principal no matter how much the interest is. This is straight up robbery.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation