vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My complaint is against Wells Fargo Bank. I am the beneficiary of an IRA owned by my deceased uncle, XXXX XXXX XXXX. I began the process of closing out the IRA and collecting my proceeds in XXXX 2017. To date it has not been received. I have been told the distribution check was issued from Wells Fargo on XXXX XXXX, 2017. The check has yet been sent to me. I have had the local Post Office involved and most specifically my mail carrier checking on its receipt. Consequently, I signed non-receipt and stop payment affidavits and faxed to Wells Fargo on XXXX XXXX, 2017. I have been advised that the check will not be reissued for 90 days and if I chose, I can purchase a Surety Bond to get the check earlier than 90 days. I have also been told that there is no appeal process to this management decision. I would like this investigated. I have all of my documentation if required. I started the process to cash in this account in XXXX 2017 and was misled by Wells Fargo employees several times, providing me with incorrect forms resulting in back and forth communications delaying this process. I have received confusing and contradictory requests from Wells Fargo preventing me from accessing my funds. I have never had as much problem with a bank as I have had with Wells Fargo. I urge anyone reading this to refrain from doing any business with Wells Fargo. Their rules and regulations are NOT consumer friendly, their response to problems is lengthy and difficult.

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 2015-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I called my local wells fargo to get a refinance on my loan that is XXXX and bring it down to XXXX they told me I would n't have to pay closing costs because of the FHA XXXX program that has been around for years. well 3 years ago and 1 year ago I called wells fargo to tell them I wanted to refi and they told me I had to pay closing costs. so ithought I could never do it because I did n't have the money, not knowing they misled me to believe that there was a program they never told me about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Lender : Cash Net USA Bank : XXXX, VA I have emails that have been sent to them stating that I am now receiving my pay once a month and not bi-weekly. I needed them to not auto-draft from my bank account because I was laid off prior to getting the job and at the time I stopped receiving pay from unemployment because I was working. I went a solid month with no savings and no income and they relentlessly drafted from my account even after I pleaded with them not to. They asked for pay stubs but I had none because obviously I started a new job. They finally accepted a statement from human resources on company letterhead that states the fact I get paid on the last day of the month. Even though they admit that they were wrong, they are n't able to reverse my last payment. I am going to ask my bank to reverse the payment but in the meantime, I am out a lot of money because of overdraft fees. Here is what I wrote to them : I am going to call my bank to reverse out the most recent payment as according to your recent email, I should give at least two days notice of a request to change due dates. I initiated this process on XX/XX/2016 ; two days after I started my new job. I was laid off from XX/XX/2016 - XX/XX/2016 by the way. I responded that I did not have a pay stub yet and since I was employed I was no longer going to receive unemployment checks. You withdrew from my account anyway and caused XXXX overdrafts for NSF. I then contacted Cashnet on XX/XX/2016 with my first pay stub proving that I get paid monthly and the response was we need XXXX. I called in and complained and someone there told me to send a document on company letterhead stating that I get monthly. I complied and sent it XX/XX/2016 at XXXX. I got no response but it was a full 3 days prior to my payment. Lastly, the overdraft comes out and as I predicted caused an overdraft. You all have to remember that I am a customer. I have been kind, courteous and patient. That has not been reciprocated. In the end, I 'm the customer and the company should be kind, courteous and patient not the other way around.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Wells Fargo Mortgage chronically failed to progress and communicate the status of our XXXX mortgage loans with them and allowed their sub-contractor appraiser to miss several key completion dates that potentially jeopardized our purchase contract commitment dates. This compelled us to change airline flights and travel arrangements to avoid spending time in a hotel. 

Aside from all the angst we incurred a {$240.00} airline change fee as a result. Also Wells Fargo did not share/disclose the details for the second home rider until we discovered signing with a mobile notary. The conditions of the second home are stricter than what is provided for owner occupants and we believe these conditions to be unfair and information for this should have been provided up front. 

Lastly XXXX has missed XXXX dates they provided to resolve our complaints. They missed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 2016. In a Telecon on XXXX/XXXX/16 with WF executive team XXXX XXXX, she could and would not offer a commitment date to resolve our matters. We have lost confidence in Wells Fargo sincerity and ability to address valid customer concerns.

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 2017-01-12 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
continuously calling relatives and harassing them about an old car that I owe that have already been paid off.

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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a Security system placed in y home 5 years ago with XXXX XXXX security. I told sales rep I was not wanting a Credit card he was trying to sell. He told me that fine, however sign her for alarm system. Apparently a Credit Card with a limit of {$7500.00} was opened under my name with Wells Fargo. I never used it and it still shows on my Credit Report. I think XXXX XXXX XXXX should also be looked at for opening fraudulent credit cards.

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 2016-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Since XXXX, I have been seeking a modification of my mortgage with Wells Fargo Home Mortgage. I was eventually approved for a 3-month trial. The problem I am currently facing has to do with the process at Wells Fargo Home Mortgage. The first issue is that my work schedule no longer permits me to make phone calls to WFHM during THEIR office hours. As such, I had been relying upon e-mail communication. However, within the last few months the " home preservation specialist '' has been leaving messages asking me to call him. Each time I have responded with a voicemail ( after his hours ) and followed up with an e-mail. I have repeatedly informed him that I am unable to do that unless I take off from work. I have asked him to either leave detailed messages on my voicemail or correspond via e-mail. I find it infuriating that I am not being acknowledged for the employment situation I am in. I recognize the importance of not communicating sensitive information via these means and I assume he does as well. However, if there is a request, question, etc. it does not have to be communicated over the phone. 

The second issue ( also during this modification process ) concerns the appraisal of my home. I contested the initial appraisal value WFHM provided as it was $ XXXX too high. I received a letter e-signed by the home preservation specialist indicating that it may be necessary to order a new property appraisal and that a ) I could owe towards the cost of it and b ) I would be notified if a new appraisal was necessary. The next communication I received was a copy of a new appraisal completed by a local agent. I asked the home preservation specialist about this because if there was a cost involved, I would have rejected it. Instead, the appraisal was apparently done without my approval. The reservation specialist suggested I contact Executive Complaints so I faxed a letter to them on XXXX XXXX, 2016 and have yet to hear back. 

The third issue concerns my trial payments. I have made the first two payments on time but yet they continue to show as " unapplied '' in my mortgage statements. In addition, the statement contains verbiage about being past due, so I have grave concerns that while I am adhering to the trial modification, WFHM is a ) reporting inaccurate information to credit bureaus, and b ) accruing additional late charges.

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 2016-12-12 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo decided to terminate the banking relationship with me. 
At the same time I was charged {$400.00} interest fee for a balance transfer of $ XXXX I never initiated. I called wells fargo XXXX times and each time they transfer me in circle between XXXX departments. Customer support transfers me to the fraud department, the fraud department transfers me to the loss prevention, and loss prevention back to the customer support. I was on the phone a full week and no one knows what they are doing

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 2016-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo closed my checking, savings, and credit card accounts due to being unhappy with me for depositing Money Orders into the account. I worked with a banker at the Wells Fargo in XXXX XXXX CT XXXX XXXX. She called several times regarding the matter. My complaint focuses on the checking issue and refunding my balance. She was told and relayed to me that my account would be closed as of XXXX XXXX and a check for my remaining balance would be sent to me. After waiting a few weeks without any check arriving I returned to the XXXX XXXX Wells Fargo and XXXX XXXX called again. During this phone call it was 1st relayed to me that they would contact the agent who was handling my case ( they would not give me the name ), then put me on hold and then told me Wells Fargo was keeping my balance! After being escalated to an executive custome service person I was then told the agent would be contacted again. I shared my concern about hearing several different stories over the past weeks but the only answer was that they would contact the agent and I could call back. Due to hearing several different stories and the amount being XXXX, I feel I have no choice but to file a complaint in order to get my money. I informed Wells Fargo of my intentions. While Wells Fargo may be unhappy with the deposit of several money orders, I have done nothing illegal. The funds have cleared from XXXX XXXX, and Wells Fargo is simply holding my money hostage.

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 2015-08-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have an XXXX XXXX card through dillards. The orignial company that own this card was XXXX, and they have sold it to wells fargo. I have made all my payments on time up until XXXX, when I tried to activate my credit protection benefits and wells fargo the new owner of the card is telling me thy do n't offer that service but I paid every month on my statements for it. I ' experiencing a financial hardship in my life and need this beneift activated. I have called wells fargo and someone was suppose to get back to e regarding this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a credit card through Wells Fargo for XXXX Flooring. I made a promotional purchase for slightly over {$3000.00} with a 12 month no interest promotion. In XXXX 2016, I owed {$130.00} for that promotional purpose. That promotional balance is due by XXXX XXXX, 2016. On XXXX XXXX, 2016, I made a separate {$2000.00} promotional purchase under a 12 month no interest promotion.. I made a {$130.00} payment on XXXX XXXX, 2016 which would have paid the initial promotional balance in full. Wells Fargo has applied over {$120.00} of that payment to the later {$2000.00} promotional purchase and is now demanding an additional {$120.00} payment by XXXX XXXX, 2016 to avoid being charged interest for the entire initial promotional balance. Is there any legal recourse against this flawed allocation of payment to a later promotional balance which will force me to make an additional {$120.00} payment above my {$130.00} payment?

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 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I have a mortgage with Wells Fargo Bank. It require that the property insurance be paid thru the mortgage. I of course was n't told this until after I paid my insurance in advance for 1 year. The policy is paid in full until XXXX 2016. Wells Fargo continues to withhold a monthly amount and hold it in an escrow account. I have talked to them until I 'm blue in the face, and can not get this resolved. 
Will you please help me? 

Every time I try to reason with someone there, I get a form letter telling me I can not get my request because of some of rule they have. Nothing is ever posted to warn their customers in advance so we do n't waste our time. Wells Fargo has the most dishonest business practices I 've ever encounter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I am frustrated with this entire financial system. I grew up in financial difficulty. From before I could remember, my credit has been in the gutter. I have been trying extremely hard for MANY years to pull myself from the bottom, but with each loan or credit card coming with an interest rate significantly higher, or even double the national average, it is extremely hard to keep up. I am a member of the military and have been for the past 20 years. I have managed to buy a home and XXXX cars, but at higher interest rates than even my most junior subordinates. Even demonstrating an ability and willingness to make these high payments, it seems that there is no escape. My wife and I feel trapped in a nightmare scenario, where we pay and pay and pay, while our neighbors are enjoying the benefits of always having good credit. I have never known that feeling and will as it stands now, will NEVER get to know that feeling. My Mortgage interest rate is 4 %, car loans are 25 % and higher, credit card is 26 %. I am able to pay XXXX car payments that total $ XXXX/month, a Mortgage payment that is $ XXXX/month, and a minimal credit card payment, along with all utilities and entertainment that comes with a XXXX member household. However, this is taxing, as we have no savings to speak of and can not have a savings with these high interest rates and no bank willing to help out. I am in school, but that is paid for by the military. If I were a private citizen, I would not be able to afford this and would be trapped and unable to achieve a better credit score and the door of possibly bettering my score would remain closed. I guess my complaint is simple, the financial/credit score system is rigged and unduly prejudicially punitive to the majority of lower-income people in this country. It rewards the well-off with all the benefits and punishes or takes advantage of those that have no other choice but to take what they can get. I never had the opportunity to fail, because I was not afforded the financial 'altitude ' to fall in the first place. 

That is my complaint, Concerned Consumer

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 2016-12-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I pay all my bills through Wells Fargo bill pay process. My XXXX XXXX XXXX was due on Sunday, XX/XX/XXXX. I scheduled my electronic payment to come out of my account on Thursday, XX/XX/XXXX. It was not delivered until XX/XX/XXXX ; resulting in a {$27.00} past due fee. I have a couple issues with what happened. - Funds were removed from my checking account on XX/XX/XXXX - XXXX XXXX processes payments on Sunday, but Wells Fargo does n't consider that a business day. 
- My payment has still not cleared XXXX XXXX on XX/XX/XXXX and I received a past due fee. 
- Electronic payments should not take 3 business days ( especially since it 's been removed from my account ) to be processed from another on-line bank. 
- This is the 2nd time my due date as fell on a Sunday and caused this issue ; but overall - I think the debiting of my account prior to a payment clearing is questionable and the time it takes to make an electronic payment is too long. I do have the option to pay an additional fee to make it go faster. 

I did not have this issue with Wachovia ( prior to them becoming Wells Fargo ) and I also am aware other banks do not take money out of your account, prior to the check clearing - it also should n't take 3 " business '' days to send an electronic payment. I spoke to XXXX different representatives and did get agreement that it did n't make sense that the process took so long to send an electronic payment ( not needing to create a check ). 

I 've also opened a ticket with XXXX XXXX to see if there is an issue on their end, but based on my conversations with Wells Fargo - I believe the issue is with the delay in their processing of bill pays.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When I left my last employer, my 401k account had been transferred to Wells Fargo. I had no idea that it had been transferred to Wells Fargo until I called the original company that was managing it because their statement had fees and I wanted to know more about the fees. 

After getting in touch with Wells Fargo, I instructed them to close the account and send me the funds in the account. I had barely {$200.00} in that account and I was being charged the equivalent of about XXXX % every quarter. When I made my request over the phone, I was instructed to prepare a written request, fill out a several page form and even get one of the documents notarized! I have never had to do so much work to get my own money back. 

They were clearly doing everything possible to make it hard for me to obtain my funds. To give some perspective, I was laid off from a job in XX/XX/XXXX, where I had a 401k balance of about {$85000.00} that was managed by a more reputable and friendly firm. I only had to log into my 401k account online and make a request. Within one week, I was mailed a check for the entire amount. No questions, no written requests, no documents to get notarized. 

After I went through all this trouble, I received my check in the mail and observed that I had been charged the equivalent of about XXXX % of my balance! There was not statement, no explanation, just a check for about XXXX % of my balance. To say that I am livid is an understatement. This is abuse, and this is coming on the heels of Wells Fargo being issued fines by your very agency for shady behavior. Well it seems that they are still up to no good, abusing customers and squeezing us for fees wherever possible. 

I am fortunate that I am not in a financial situation to be impacted by this behavior, but many Americans do not enjoy my position, and these outrageous and what SHOULD be illegal fees must be addressed. 

I would very much like you to go back to Wells Fargo and investigate their practices with respect to managing ( or fee farming ) 401k accounts. Your assistance would be greatly appreciated. Americans work too hard for their money to be treated this way.

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 2016-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi This Complaint Is About My Lender ( WELLSFARGO BANK ) My Lender Is Trying To Defraud Me. The Way The Ca n't Keep My Property With Using Different Information. I Fax Document One Representative From One Department Saying That They Never Received Any Document And A Other Department Telling Me That They Did Received The Document Please Help Me With This Matter Since The Want To Sale My Property Telling Me Lies OnLy Lies Please Help Me My Account Number Is XXXX

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