vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In early XXXX 2015 my partner and I approached our local Wells Fargo branch in order to apply for a mortgage. They redirected us to a Wells Fargo broker at a different branch who initially pulled our credit report and told us that I would be better applying for the loan on my own based on my XXXX score. At that point we started receiving weekly e mails requesting documents and this has continued until last Friday, XXXX XXXX. It was my and my agents understanding that it would only take 45 days and the repeated requesting of additional documents has caused great stress to both me, my partner and the seller. Finally today we had reached our limit and have withdrawn from the process due to more documents being requested and have been told that we would not receive our earnest money back.

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 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am submitting this complaint in light of the account opening/sales pressure issues at Wells Fargo. These events occurred in XXXX, but i could not get answers to any of my inquires at the local branch, by calling the XXXX # or by written complaint to the corporate offices. 

I have been a corporate client of Wells since XXXX and opened a personal checking account there about 8 years ago. Online access was established on both at inception. In a letter dated XXXX XXXX, XXXX, i was informed that online banking had been established for the corporate account by an authorized signer. Within a few days, i received additional correspondence, including references to overdraft protection on a new checking account - linking it to a savings account ( neither of which i opened ) and a debit card. I immediately pursued how these accounts were opened. No one attempted to provide any answers and after hours at the branch and on the phone, i just submitted the written complaint to WF and monitored my accounts. I did not suffer any financial loss ( as far as i can tell ), but there was certainly a lot of activity occurring under my name that was not authorized.

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 2016-01-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Almost a year ago, ( in XXXX ) I started with XXXX XXXX and was given the phone number XXXX. I started receiving debt collection calls from Wells Fargo ( and several other companies ). I told them REPEATEDLY that I was not the person they were trying to reach ( XXXX XXXX XXXX. I phoned and spoke with XXXX different people who said they would take care of the daily calls and the calls NEVER stopped. I ended up writing to their headquarters and received a letter in response. It took another several calls before the calls finally ceased. Today, after almost XXXX year later, I received another call from Wells Fargo trying to contact XXXX XXXX. Obviously they have never up-dated their records. Why must I be getting these phone calls just because Wells FargoXXXX, etc. were XXXX enough to give this person credit? I am sick and tired of using my contract minutes ( on my phone ) trying to straighten this out!!! What else can I do?????

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: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a former employee of Wells Fargo. While an employee, I had all of my accounts there per the firms requirements. I left about a year ago and moved my investment accounts, but kept my checking, XXXX accounts and mortgages with Wells Fargo. I had a PMA account which would have a fee, but due to my having all my accounts there it was waived and ATMs at other institutions were credited back. Recently Wells Fargo sold their XXXX accounts to XXXX Bank. In doing so, my account was free at Wells Fargo and now has a monthly fee of {$3.00} a month without notice or ability to modify. Additionally, Wells Fargo no longer counts the balance of my XXXX towards my total balance at Wells Fargo which subjects me to monthly fees of {$30.00} a month and I no longer get the reimbursement for using non Wells ATMs. What bothers me the most is I was not notified in advance, and I have sent XXXX messages to Wells with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The bank ( Wells Fargo ) mistakingly applied a home equity line of credit payment to " principal only '' instead of interest and principal. The next month, when I went to mail a check, the account was in a past due status. On the payment coupon I recieve every month, there is no " principal only '' option, so someone at the bank decided on their own that I must want my account to lapse into past due status. As a result, my HELOC account was placed on restricted status and negative information may have been reported on my credit history. It was completely the bank 's mistake. They offered to retroactively fix it, but I believe my credit history has still been negatively effected. If I did n't say anything, I 'm sure the bank 's mistake would have gone unnoticed and I would have suffered for it on my next loan application. I want to bring it to the CFPB 's attention so other consumers wo n't experience the same poor record keeping and payment processing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I was denied a re-finance mortgage of real estate by TCF Bank. The approval process took almost a year, with multiple delays created by the bank. I spent nearly {$600.00} in appraisal fees, and nearly one year of time attempting to secure this loan. I took another job during the inordinate amount of time that the Bank took and that became the reason for the denial of my loan. They delayed the loan by asking for the same documents repeatedly. They used other time delay tactics like going " dark '' and not communicating the status of the loan. The bank would ask for repairs for be done to the property that did not need to be done for non-existent issues. The bank also requested that a re-inspection be done after the repairs for the non-existent issues were done. The bank then asked for a certification from a licensed " roofing-professional ' to be provided. This professional license does not exist in the state the property is in, so the request was nonsensical and impossible to obtain.

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 2016-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XXXX XXXX, 2016, my son passed away. His home was mortgaged through Wells Fargo Home Mortgage. I being his Mother, immediately called Wells Fargo to notify them within no more than 5 days of his death. They advised me to fax them a death certificate and they would take care of the situation, including removing him from the auto-pay system ( withdrawing money from his account ). Which I did!. Wells Fargo did not remove his name from the auto-pay, Therefore, Wells Fargo went ahead and took the XXXX payment anyway, in the amount of {$460.00}, and the credit union allowed it even though there were no funds in the account, as a " courtesy credit ''. 
Since my name was on his account due to the fact that he was a XXXX, XXXX, the credit union seized my savings account to pay the amount that Wells Fargo took out. In addition, there were XXXX insufficient fund charges in the amount of {$120.00}. I was fortunate enough to have the credit union waive the insufficient fund charges, but refused to return the {$460.00}. 
I, in turn called Wells Fargo regarding the return of the funds that they has no right taking in the first place, and was met with total disregard from the person ( s ) I spoke with, saying that he/she had no idea of what I should do. 
Since I do n't think I am responsible for this debt, my son lived on his own, was responsible for his own debt, and my name was n't on his mortgage, I would be very appreciative if CFPB could help me with retrieving these funds. 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 monetary relief
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: FL

Complaint narrative:
wells fargo took a deposit from me on XXXX/XXXX/16 to this date they still have not released my funds they have bounced XXXX checks, and charged me {$70.00} according to bank check was drawn on it cleared their account XXXX/XXXX/16 so wells fargo has had this money in their account for 10 days and have refused me access I have had an account with this bank for over 15 years no one from wells fargo is interested in helping me they need to be held accountable for this and I am sure many other banking transgressions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There were unauthorized transactions on my Wells Fargo debit card from approx. XXXX XXXX through XXXX XXXX. The loss prevention department has issued a provisional credit for a portion of the charges. They issued only partial credit because at the time, some of the fraudulent transactions were pending. I am expecting another credit for approximately {$50.00}. Wells can not give me a timeframe as to when this credit will be posted to my account. In part due to Wells Fargo 's misfeasance, I am now homeless. I do not expect the bank to provide housing, but I would like a clear and definitive answer as to how long it will take to receive the money. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 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: TX

Complaint narrative:
I made a payment to Wells Fargo on XX/XX/2016, and then charged a late fee of {$28.00} for not paying the remaining balance of {$1.00} ( USD ) for the billing cycle of XX/XX/2016. You can see the payment and late fee charge on PDF document, " account_history_XX/XX/2016. '' I would love to borrow from Wells Fargo again, but because of their practices, I am unsure if borrowing from Wells Fargo would be in the best interest to help with pursuing academic achievements, or even attempting to make payments back to Wells Fargo.

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 2017-01-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Eight years ago, Wells Fargo tricked us into an account which charged us {$30.00} a month. I spent over 7 years trying to get Wells Fargo to switch the account. They refused. Finally, when the President of Wells Fargo was called before Congress, I tried again. They were suddenly willing to change it. A month later, I went on line to see something in my statements. I was not able to access my statements. I called to find out what was going on. I spoke to people in the executive office. At that time, Wells Fargo stated they had removed my access to my statements because I had changed my account. I pointed out that they are supposed to provide my statements, but they were not interested. Since they had taken this action, I pointed out they had forced me to stay in that account against my wishes and asked that they return the money ( {$30.00} a month for 8 years ). This was obviously a mistake. It started a vendetta against me. Immediately afterward, I was blocked from getting copies of cancelled checks. Then they cancelled one of our debit cards. I wrote a letter to the new President of Wells Fargo hoping to get some help with these hostile actions. I received a letter saying it had been received, but I never got another response. However, in response to the letter, the people in the executive office blocked me from transferring money between our accounts. Began charging fees on other accounts without reason, and then cancelled our other debit card. Each time they did one of these actions, I would call them to ask what they were doing. Each time I called, they responded with open hostility. They just sent me a letter saying they were going to close my kids ' college accounts. These people in the executive office are completely out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was over 90 days behind on my mortgage payments to Wells Fargo when the issue occurred. I received a letter from them stating that they had information that my property may be vacant which may effect my insurance. On the morning of XXXX XXXX, 2016 I called them and explained the home is a rental and was rented as of last month and is not vacant. I asked if they needed a copy of the lease as proof and they said no, they would update their file. That evening I received an irate call from my tenant stating someone came to the house with an order saying the house has been foreclosed, they needed to vacate, and they were there to change the locks and winterize the home. The people had my name and papers the tenant described as an order. I called Wells Fargo and asked why they are sending someone to my house when I just confirmed with them the home is occupied. They said it was a home preservation service. I explained my tenant is now under the belief my home has been foreclosed on now and they must vacate. If they leave I will not be able to make payments and I will lose the house. I complained to Wells Fargo and spoke to someone in the office of the president. They said I would be contacted in 48 hours about my complaint. As of today no one has contacted me. 

I feel Wells Fargo sending someone to my house to tell my tenants the home had been foreclosed on and they had to leave is an unfair and unethical business practice.

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 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have been trying to get Wells Fargo to talk to about my mortgage to save my house from foreclosure for the past 4 years with no resolution. I attended the workshop that the DOJ held on XXXX in XXXX and was told that I needed more paperwork sent ( again ) which I sent on XXXX as I agreed. Wells Fargo was suppose to contact me on XXXX to confirm and to date I still have not heard back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
They will call me from XXXX or later. I have an App on my phone to block their calls. This gives them a list of times and dates when they have called. I do not answer my calls to them and they have called me from all different types of numbers outside of my state. I have not enough to pay them the minium since I work retail and have mini wage jobs.. I have XXXX jobs just to try to stay afloat to pay for rent, xcel, phone, car and internet ... .. They came to my home today with papers for me.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
My original complaint # XXXX was sent to you on XXXX/XXXX/16. Thank you for your response today. A lot has happened since then. They have all monies from me owed to them by the date they wanted it. They had my money since XXXX/XXXX/2016. My 1st complaint to you was XXXX/XXXX/2016. They will not apply my money sent to them. It is now XXXX/XXXX/2016. Foreclosure has not been started yet. Since they received my money on time they can not by law do anything but accept my money because Illinois is a judicial state. There are recorded phone calls from customer reps and managers that told me they have the money and on time. The are giving me the run-a-round and not applying the certified checks they received. Every time I call I get a different customer rep with a diferent response. They even hang up on me. I checked with my county courthouse and no papers have been filed with them. I checked all local newspapers in my area and no legal notices have been posted yet. These are legal procedures that mortgage companies or collection agencies have to do if the property is located in the state of Illinois. There are over XXXX bad reviews on the internet for Ditech /Greentree using predatory lending and collection procedures. They need to be stopped. They need to be forced to apply my checks and make my account current.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
We have a second mortgage with Wells Fargo. Because home equity lines are lower than the 8.99 % we pay now a caller from Wells Fargo suggested we apply for a home equity line and payoff the second mortgage. We did and asked for {$11000.00} additional to do some work on our home. I had secured a hardest hit loan from Kentucky which was honored 6 weeks ago. I received a call just now and was told that Wells Fargo treats Hardest Hit loans like foreclosures and that 's the reason we were turned downed.. This is just not right. We got the hardest hit loan to avoid foreclosure and now find it is treated like a foreclosure even though it saved Wells Fargo XXXX dollars. Had we been foreclosed on Wells Fargo would have lost all the balance of their loan as they were 2nd lien holder.

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 2016-01-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I went to Wells Fargo on XXXX XXXX, 2016 at the XXXX location in XXXX, AL. I used the ATM to make a deposit. I had XXXX check and {$900.00} in cash. I inserted the items for deposit and the ATM stated it would send my cash back after I got a receipt only showing my check for {$500.00}. I did n't receive credit for {$1400.00}. My cash was n't credited. 
I called inside of the branch and the CSR told me he could see my full deposit of {$1400.00}. I told him I do n't have a receipt showing this amount. He told me to come inside. I did. 
The lady, XXXX XXXX, assisting me pulled up my deposit information and she said she could see the full {$1400.00}. I told her my receipt which is time stamped XXXX is only showing {$500.00}. She said well there is nothing we can do. She said you will have credit at midnight. I told her I want proof. She was impatient and had a bad attitude at this point because I told her I wanted her name since she said I would have credit. She said well whatever and signed my receipt. This whole time there are other workers saying they ca n't wait for these XXXX hours to pass so they can get off. 
I checked my account and I did not receive credit for my full deposit. I had to drive XXXX hours to this location only to be presented with the same people there from the previous day. The male worker sitting next to XXXX said here he comes. She just looked up with an attitude. 
I told her I do n't have credit for my full deposit. She said well your deposit was done after XXXX. I told her no, it was XXXX. She said well it takes longer to process. And now my funds are still not showing. I went to the ATM to get same day credit because my deposit was done before XXXX. I was well within this time. 
My money got jammed in the machine. She said I ca n't get money out of the ATM to give to you. I asked her what was I supposed to do. I was told now to wait until Tuesday. It was cash and I was within the cutoff time frame. 
This has put a hardship on me. The CSRs at this location were no help and acted as if I was an inconvenience to them. I have bills that are due but am going to have to incur late fees on payments because no one showed enough concern to at least consider it an emergency and get my money back to me.

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