vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX, CA - XXXX XXXX/XXXX/2016 Wells Fargo Bank, Customer Correspondence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, NC XXXX Dear Wells Fargo Bank, RE : Bank Associate Given my Accounts details and New ATM card to another Customer Account # XXXX Today XXXX/XXXX/2016 around XXXX I got a Wells Fargo phone alert Debit card ending # XXXX try to ATM Cash withdrawn at XXXX XXXX ATM and due to incorrect PIN transaction has been denied .I got so many alert ( screenshot attached ) and after that I called your call center and stop that above ATM card. 
Even I did n't order any extra ATM card at all past few years. 
After few mutinies later I got four emails from your bank and says I have been changed mailing address / Phone number / Customize Summery Details and Cancelled Wells Fargo Surepay Mobile ( screenshot attached ) .As soon as I log in to my online banking, I seen they have {$200.00} XXXX ATM Cash withdrawn and another {$82.00} ATM Cash withdrawn. I am so shocked and I live in XXXX XXXX and how possible ATM withdrawn while I am in XXXX XXXX. I Called again your call center and informed that my account some fraud activity. 
Agent says Wells Fargo XXXX XXXX Branch issued new ATM card today. How is possible? Without any verification how your banking associate did issued ATM card and that 's the reason another person withdrawn money from my account. And Banking associate update new mailing address and personal contact information to. ( screenshot attached ). 
Good thing is I called your call center and cancelled ATM Card last for number ending # XXXX. 
I am still disappointed and this is serious issues. I should ask legal help this serious matter I need my new ATM Card as soon as possible and Delete my profile XXXX XXXX mailing address. 
Your Bank looking in to my complain serious issues and take an action as soon possible. 

It 's wo n't be happened for future customers .and You should reverse that Amount {$200.00} and {$82.00} as soon as possible. 

If you need any more details contact me ( XXXX ) XXXX Thanks XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My mother passed away XXXX XXXX. Wells Fargo was sent her death certificate in XXXX. They refused to speak with me or take payment. I faxed and overnighted a court order appointing me personal representative of her estate 4 times. They refused to talk to me. I sent a XXXX letter of Testimony from the court and was told it would be a week before they could speak to me and another week before they could give me the payoff amount. This is now XXXX XXXX!! In the meantime they locked the property but say they have no record of it. Sent letters to my mother 's former work address instead of her home. Requested I have her sign a release form. Sent a lawn service that called the sheriff on ME for trespassing. Now I 'm given the amount with extra fees and interest and told the drive by inspections will continue.

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 2015-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been trying to work with Wells Fargo for over a year on the short sale of a XXXX property.I have provided Wells Fargo with all requested documentation to process the short sale, and have a short sale offer on the property. Over the course of a year, Wells Fargo on several occasions has denied receiving documents despite documents being sent on multiple occasions. They have not returned phone calls, have taken actions, such as placing the home out of short sale and into foreclosure without explanation and refusal to give explanation, and have not explained essential information regarding their processes for the consumer and realtor. A short sale proceeding that could have been resolved by XX/XX/XXXX, continues. The latest report from Wells Fargo is that the short sale request is being reassigned to another negotiator in their liquidation department, with refusal to explain why the short sale is being reassigned. In addition Wells Fargo is again reporting they have missing documentation required to proceed with the process, despite it being provided previously to proceed with the short sale up to this point in time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo opened unnecessary accounts in my name and I believe it impacted my credit score resulting in a higher interest rate on a new mortgage as well as twice refinancing a different mortgage with them. As a result, I am paying more on my mortgage than I would have paid with the higher Credit score.

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 2016-06-21 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
My Credit Card Payment was drafted from my Savings account, not my Checking account resulting in XXXX {$35.00} overdraft fee and XXXX {$35.00} returned item fee. I called Wells Fargo on XXXX/XXXX/2016 and they said the best they could do was refund 75 % of the fees, and i would have to call the credit card department and get them to authorize 100 % of the fees to be reversed. I said i did n't have time to be transferred at this moment because i was at work and would take the 75 % until i could call the credit card department. I called the Credit card department today and they refunded me there {$27.00} returned payment fee and informed me that they could n't authorize my saving account to be refunded at 100 %. I got transferred back to the savings department that informed me i had already been refunded all i was allowed. I told them I was suppose to have 75 % of both {$35.00} dollar fees reversed, but they reversed 75 % of XXXX fee and 50 % of the other. I asked if i could just get 75 % of both as i was promised and they refused. I asked to speak with a supervisor and the Wells Fargo Representative said they couldnt refund anything more because i had already accepted the partial refund. I believe the whole cause of the overdraft was bank era and i have proof that my savings from the last 6 months was never drafted for my credit card payment. thank you for hearing my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX a debt collector, filed a lawsuit against me in behalf of Wachovia, who was later bought by Wells Fargo. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.

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 2017-03-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Earlier this month I made two transfers via Wells Fargo sure pay using the recipient 's email address ( XXXX ). According the the recipient, he never got the money. I tried calling and send emails Wells Fargo claims department. But I did not get any clear answer. If the recipient never got the money - then where did it go? 

The following are the transaction details : Expand XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX {$330.00} Expand XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX TAX ADVICE XX/XX/XXXX {$100.00}

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 2015-12-07 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have XXXX different loans with Navy Federal Credit Union that I got behind on atleast XXXX payments about 6 months ago. I called the credit union and make payment arrangements and they were very helpful over the phone. The representative stated since I ' am a long term consumer that they would off set my finance charges and adjust my credit history to paid asgreed. A couple of months has past since the last conversation with Navy Federal and at this time their agreements were not satisfied per our conversation. My monthly payments are getting outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am trying to figure out from Wells Fargo Bank whether or not I opened my credit card or if it was opened illegitametly through their sales team. The associate I spoke to in Customer care stated that it was opened through a third party website but would not provide me with the electronic signature or the carholder agreement. This is a violation of the Telecommunications act of 1996.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX XXXX XXXX from Wells Fargo called me and left me a voice message advising me that he is sending Wells Fargo 's resolution as their response to my complaint to your office and on XXXX of XXXX I received his response from you via email. In his message he asked me call him if I had any questions so that we could discuss it. I have called his XXXX different days and left him a voice massage today that it is 5 business days after my call ( s ) he still has not responded. In his voice message he indicates & advises the customer to leave him a message and that he would return the call within 24 hours or One Business Day. Even his voice message is not based on honesty. 
I am filing this complaint because he has left me in the air without returning my calls and ignoring my concerns. W.F. is trying very hard to get my house foreclosed and have not cooperated an inch in the entire time nor wanting to help. Only with a logo of " We are here to help '' ( help whom, themselves or the customer?? ) a pretentious way of fake identity. 
Please contact this abnoxious man and ask him why he is not following the rules or any laws? Plus he did not acknowledge or replied to my concerns in my previous appeal. The only reason I can think of is because he has absolutely nothing to say in favor of Wells Fargo and he can not tell the truth either. 
I will hire a lawyer to sue Wells Fargo if they do not cooperate and help me save my house. His phone no. is : XXXX Ext. XXXX. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I took out a loan with Cashnet USA back in 2014, long before I knew that the loans were void in my state. I took the loan out to cover a short in regular bills. They began charging my account right away, and I ended out having to reborrow the amount that I had to pay in fees, just to keep up, after the first few payments. It became a cycle. The loan finally exhausted my funds completely, and I had to close my account to be able to make my regular monthly expenses. I found help last year from a company and a group that helped me understand that the loan was void. I paid the company to help me with payday loan issues, but they took money without actually working things out with CashnetUSA. The other was a non-profit group that helped me with the payday loan help company, and CashnetUSA. I think my balance at that time was {$300.00}, or so, though with the Line of credit loan, it was always hard to tell. Because the loan was void and unenforceable, I tried to move on, and I tried to get the money back through my bank, but that was not successful. So I just went back to paying my bills, and trying to recover from the hole the loan had left in my budget. Since then, I have had phone calls, emails and letter from Cashnet USA, telling me that I am behind. I do not wish to have them calling me anymore, but from previous contact with them, I was afraid to call them again, for fear of harassment by them or another entity.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We put the house in irrevocable trusts. Wells Fargo ( WF ) okay the transfer in XXXX XXXX. We rec 'd a ltr in XXXX stating that it was not allowed, and that they would foreclose if we do n't transfer it out of the trusts. We had numerous correspondences, and began paying off the loan XXXX XXXX and it was completely paid off by XXXX XXXX, XXXX ; WF sent the release of lien XXXX, but told XXXX and XXXX that we were in foreclosure. As the result, my credit rating dropped by XXXX points. We needed to keep the house in the trusts because my husband is ill, and we told WF that we will pay off the balance. As of XXXX, we had {$480.00} balance in the account. Can they ruin our credit for {$480.00}? It seems mean spirited and petty?

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 2015-10-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On Friday, XXXX XXXX, 2015, at approximately XXXX I received a call from XXXX in reference to restructuring my credit card interest percentage to a lower rate based on my superior credit score. The suspect stated that they had my account information up on the computer and I needed to verify the card information and personal information to make sure I am truly the card holder. They first started with my date of birth, then proceeded to ask for the security code on the back. Next, he asked me for the card number itself. For each of the questions he asked for, I provided erroneous information, knowing that this was a true scam. Once he asked me for the information again, ( apparently my information could n't be confirmed XXXX I then told him that there was additional information on the back of the card and asked if he wanted me to read it to him. Eagerly, he stated, " Yes! Please! '' I read, 'I am not XXXX! '. Immediately, I heard an extension pick up and another male voice screamed that I was a " mother XXXX '' and my he was going to XXXX my mother ..., etc. You get the message. I requested that we should meet me to go over my account in person. He rudely declined the offer. Obviously this was a scam that I hope you can bring this kind of XXXX to justice. I am willing to testify to the conversation and will support any kind of prosecutorial investigation that your agency is committed to. It is my belief based on the persuasiveness of this individual that many elderly people will be victimized by this scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I made contact with US Bank to seek a refinance mortgage on my house. I chose not to have an escrow which the bank agreed to charging me {$260.00} for the privilege not to have an escrow. Throughout the process I was never asked to have an escrow. It came up a few days in front of closing that I was required to have an escrow for flood insurance. Rather than delay closing I agreed to close on the loan and would ask for the {$260.00} paid for not having an escrow back. 

The first reply I got from the bank stated that payment for flood insurance had to be escrowed. The completely ignored my letter requesting a refund. The second reply I got stated the full fee of .25 % was charged which I knew. Then they said if the hazard insurance was waived then the fee would have been .125 %. Who would only escrow taxes but not insurance and this is totally inapplicable to my situation. Then when I again asked for a refund of the non-escrow waiver charge they re-mailed their letter to me. Their XXXX XXXX letter lied to me about it being a partial waiver charge. 

I contacted them by phone and told them that I intended to file a complaint about the non-escrow fee that was charged when in fact I do have an escrow. I feel very strongly that the bank came up with this partial waiver stuff when they had no way around the fact that they are charging me a non-escrow fee and escrowing me at the same time. The bank also made me sign a statement that said if they made a mistake they have a right to fix it and I have to allow them to do so. I also should have the same ability. 

The bank also pushed the closing into the beginning of the next month costing me a full months interest on the FHA loan with XXXX XXXX. I wanted to postpone closing till the end of the month but the bank said that all bets are off on the interest rate I had on the new loan. The broker also convinced me that I was not paying double interest by presenting me with false facts. Later I figured out what he said was a lie. 

I have included my letter to the bank and the letter I received. I am requesting you assistance in recovering the non-escrow fee of {$260.00} since I do have an escrow.

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 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened up a free checking account at Wells Fargo bank a few months ago. When I checked my account today, without telling me, they had charged my account due to inactivity causing my account to go into the negative.

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 2015-09-29 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On a recent visit to my local Wells Fargo branch -- where I only wished to have my PIN updated on my debit card -- I was " offered '' the opportunity to apply for their Wells Fargo XXXX XXXX card. Though I was n't particularly interested, the branch agent stressed how the XXXX card would offer a great chance for a " lot lower interest rate than your other cards '' which I had said averaged 13.6 %. Fine, I thought, and applied right there through the agent who was entering my application on his system. 

A few days after the application was made ( with a credit score of XXXX and a verifiable income of {$80000.00} ) my online banking Wells Fargo account added the following card to my account list:1. Wells Fargo Platinum ( not the XXXX card the agent said I was applying for ) 2. A credit limit of {$50000.00}. An interest rate of 22.5 %, following the 0 % interest 15-month grace period. 

In short, I was bait-and-switched by the branch agent on the product I was applying for ( no mention was EVER made that I was applying for or might be downgraded to a different product ) ; the likely amount on the credit limit ; and the interest rate ( that is nearly double any of my other cards ). 

After first contacting the agent ( a XXXX XXXX XXXX to voice my complaints, I was pushed up the ladder to an XXXX XXXX, the " Regional Banking District Manager, Vice PresidentXXXX Colorado - XXXX ''. XXXX assured me that he would look into the matter, and that he would be pushing the case further up the line. A few days later, I noticed that the account 's credit limit had been increased to {$14000.00}, but the account remained a Platinum card account with the 22 % + interest rate. Once again, this was offered to a long time Wells customer ( 20+ years ) with a XXXX credit score and verifiable income. 

I next received a call from Wells " Premium Card Services '' and was abruptly told by an agent named XXXX, " your card will remain a Platinum with 22 % interest rate, and no, there is no one else to discuss this with because how we have arrived at that decision is confidential ''. 

So that was it : bait-and-switched by Wells Fargo with no further explanation, and taking the hit on my credit report for making the application in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My name was falsely signed to obtain loans at Wells Fargo for my sons student loans. I was harassed by WF about paying them. the loans defaulted. as a settlement I paid off the loans ( since they were for my sons education. I refused to pay all of the late fees and interest WF said I owed. I have asked WF to show me my signature that shows that I signed for the loans. they have never been able to produce any signed document after the first semester which I did sign. WF wanted me to fill out a criminal complaint against my son which I refused. I asked them If I did fill out a complaint would I get my {$40000.00} back that I did pay. they would not commit to that.to this day my credit is still in shambles due to the fact WF will not release my Loan debts ( which I never signed for and have paid ) because they say that they defaulted

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