vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Bank opened a fraudulent saving account for me without my authorization, charged my checking account unnecessary fees, intentionally and fraudulently put my account into negative status and charged overdraft fees constantly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CB1, Inc.
State: NJ

Complaint narrative:
This complaint is against CBM Collections ' collection claim, on behalf of XXXX XXXX XXXX in XXXX, as it appears in my credit report. 

XXXX collection claim is not valid, since it is demanding payment of monies I never committed myself to pay them. I was billed for almost double the amount I was quoted for a XXXX procedure. In 2014 I paid to XXXX XXXX XXXX slightly over {$300.00} for a XXXX. This amount of slightly over {$300.00} was what I was quoted for a XXXX procedure. I never contracted any responsibility to pay any extra amount XXXX may wish to receive. I did not receive any additional service to justify the difference between the amount I was billed for and the amount I was quoted. Therefore, I can not accept nor submit to such claim. 

XXXX XXXX XXXX excuses the discrepancy between the amount quoted and the amount billed, because they alerted the amount quoted had to be prepaid. According to them, that meant the amount quoted was only an initial payment, but the final amount due would be anything over the amount quoted. XXXX explains their quote does not provide any insight of what would be the final amount due. Instead, I have pointed out that what XXXX calls 'prepayment ' is actually generally referred as 'down payment '. It only takes to look up a dictionary to understand a 'prepayment ' is a payment that needs to be completed before services are rendered. 

If XXXX quote is only a statement of an initial, partial payment, but does not provide any insight of what will be the final amount due, then they need to say so. They need to clarify the quote is only a down payment, but the final amount due is undetermined. XXXX has a very obscure and deceiving way of conducting business : they quote a very low amount to get the client 's business, but then they bill you for a much higher amount. If the client does not submit, they ruin your credit rating. The mismatch between the terms 'prepayment ' and 'down payment ', is not accidental, but absolutely intentional. XXXX continues its practice of referring what is actually a 'down payment ' as a 'prepayment. 

When XXXX submits its collection claim in my credit report is making a statement I am not financially responsible and do not meet my financial commitments and responsibilities. They are alerting lenders and creditors, there is a risk I may not return the money I borrow or may not pay as promised. That statement is false. XXXX claim is false. Plain and simple : I never agreed to pay the amount XXXX claims I owe them. The truth is XXXX is actually trying to rip me off and is hurting my credit as a way to coerce me. 

Please, find attached my letter of grievance to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were two companies that hit my credit XXXX 10 days apart. XXXX and Wells Fargo XXXX hit my credit on XXXX XXXX and again on XXXX XXXX. How do I get the second hit removed on each one?

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 2015-10-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I eagerly opened the e-mail sent ( XXXX/XXXX/15 ) from cfpb regarding my complaint XXXX. You can not imagine my disappointment when I read that Wells Fargo required additional time to complete their research. When I first spoke with XXXX XXXX she indicated 10-14 business days. I was utterly amazed to also that XXXX XXXX XXXX ( Wells Fargo XXXX ext XXXX ) asserted that she was unable to contact our legal counsel XXXX. I immediately contacted them, without difficulty, and discovered that there is NO record of Me XXXX, or any other person from Wells Fargo of attempting to reach the Office. Our Counsel attempted to contact XXXX XXXX numerous times ( on XXXX/XXXX/15 ) as did I, but to no avail. I will call her daily and attept to determine what information is required to complete her research. 
My Lawyer is leaving the XXXX XXXX XXXX effective immediately. I have been handling all correspondence to Wells Fargo regarding this situation and wish to continue to do so. 
Please contact me ( directly or through cfpb ) on all matters relating to XXXX XXXX XXXX, loan # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
This complaint is being file against Wells Fargo Home Mortgage, Property Loss Department ( henceforth described in this complaint as XXXX XXXX. 

On XX/XX/2016 I received a check for {$7500.00} from my homeowner 's insurance for repairs to be completed on my home due to ice dams and water damage. To this date, XX/XX/2016, XXXX has been consistently inconsistent in their communications with me in order for me to hire a XXXX, proceed with the repairs, and release the funds that have been held up in escrow since XX/XX/2016. 

The XXXX process unreasonable, at best - you never know who is going to answer when you call ; they do not give out phone numbers or extensions ; they do not allow you to have XXXX point of contact ; if someone calls you they will not give you their last name ; they will not back up anything they say to you in writing ; when you ask to speak to a XXXX they put you on hold, disregard your request or say they can connect you with another XXXX or Supervisor ; every person relays the wrong information, a fragment of the correct information, and/or can not find the correct information in your file ; and, if you do not continually call and follow up on any action that you have taken or expect them to take, it will be swept under the rug until you make contact with them ( only to get another bizarre explanation/excuse ). Due to their inadequate communication and complex process, I have had an arduous time securing a reputable XXXX within my budget and my household is now at risk to the elements of winter 's approach. The pending repairs have also prevented me from renting XXXX of my rooms and I am unable to use another room for my studio work. This process has been excruciatingly cumbersome and nerve-wracking ; draining me physically, emotionally and financially. 

The following*** is a detailed log of my attempts to resolve my home repairs and an accounting of the monotonous conflicting communications with the XXXX since XX/XX/2016. 

***PLEASE SEE ATTACHED FILES FOR MY FULL EXPLANATION AND 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 2016-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
TO : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : Wells Fargo Home Equity Solution XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX I am XXXX XXXX XXXX natural person whom is seeking assistance with filing a complaint against Wells Fargo Bank of XXXX . This is about my primary Residence located at XXXX XXXX XXXX, XXXX XXXX XXXX. 

This notice is brought before you because a " debt collector '', has engaged in consumer debt collection activities within Wells Fargo Bank of XXXX, against me. 

Wells Fargo Bank is attempting to collect the debt in relation to a mortgage Note, which they are not the " original lender '' or " creditor '' to whom the debt was owed. XX/XX/2013, Wells Fargo Denied my request for permanent Modification of my qualifying loan under the Home Affordability Modification Program which was provided to me by Wachovia Bank of XXXX, my original lender. 

I have repeatedly provided Wells Fargo with all my financial information, including bank statements and cash flow analysis showing that the building is self sustaining in it 's ability to repay the Modified Loan Requested. But as of this time, they still refuse to help me save my primary residence. This is a self sustaining rental property, if I receive the Mortgage Modification. 

It is my belief that Wells Fargo is engaged in " Redlining '' for failure to assist me with my property, in XXXX, XXXX, that I believe qualifies for at least one of the many Federal Programs designed to help borrowers maintain the integrity of their neighborhoods as laid out by the Housing and Urban Development XXXX. Therefore I seek your assistance with filing a complaint under Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits " unfair or deceptive acts or practices in or affecting commerce ''. 

I look forward to hearing back from you in an expeditious manner. 


Sincerely XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo closed my checking account without my consent and without notice. I had a XXXX balance for about XXXX months. I went to make a deposit XXXX months and a few days after XXXX balancing the account, and the atm did not work. My account had been closed. I had direct deposits set to this account. I had student loans paid from this account. I emailed and called WF but they refused to reopen the account. They lied to me and claimed to have mailed a letter to my home warning about the imminent account closure. I did not receive any such letter. However, they happily offered to open a new account for me loaded with fees. I will never do business with those XXXX again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
1. I made a CASH deposit of {$1500.00} to my Wells Fargo Credit Card in error at a Wells Fargo office by mistake. It should have gone into my checking account. When I realized what I had done an hour later I called customer service to have it corrected. 
XXXX, CS told me it would take a few days to get it corrected. I waited a few days and it was not corrected. I called CS again and was then told it would take 10 days. I was in need of the money to pay bills so I tried to call again on XX/XX/XXXX and was told it would take till XX/XX/XXXX to get my money back by CSR, XXXX. I asked to speak with her supervisor XXXX ( sp? ). She told me the same thing. I asked to speak to her supervisor and was connected to XXXX XXXX from Consumer Care Dept and Research and Admin.. He told me he could do nothing to correct this until it was corrected on XX/XX/XXXX. We had a lengthy heated conversation at this point. Bottom line they would not give me back my cash until XX/XX/XXXX ( They would have then had held my cash for 23 days ) just because they said it takes time to process.. I asked for executive office number to file a complaint and XXXX XXXX told me he was it and their was n't anyone else I could speak to. 
I find this to be quite unfair to the consumer. In this computer age there should be no excuse that this could not be corrected sooner or quicker than 23 days. I believe that Wells Fargo is taking advantage of consumers like me and benefiting from the money be held for such a long. Just think, if this happened to other consumers, which I 'm sure I 'm not the only one that has made this type of error or similar error, how much it adds to their bottom line till they have to give it back.. If this 23 days is their process time to correct something, I think their process needs to be look at. and change.

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 2017-03-05 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: VA

Complaint narrative:
My daughter has a private student loan with wells Fargo. She has truly a high monthly payment which she was making initially, with my assistance. Then when she could no longer make the higher payments, she called wells Fargo, to see if they would accept lower monthly they payments, they refused to work with her. She started sending them what she could afford, which was {$300.00} a month and now her account is in default. She called them again and they still refused to work with her on a reasonable monthly payment. She has been receiving several harassing phone calls and several letters. She 's at her wit 's end and does n't know what else to do.

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 2015-10-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
A few months ago I received a letter from Wells Fargo stating that they were willing to provide me a modification to avoid foreclosure. I responded to the information requested by Wells Fargo by provided them my financial and employment information. I have submitted documentation to Wells Fargo on over ten ( 10 ) occasions and called Wells Fargo re-entry team over 30 times. Wells Fargo seems satisfied with the financial and employment information that I provided them but Wells Fargo still keep requesting more and more information every time I provided them the information they previously requested. 

It seems like Wells Fargo has a stalling and circular system that is in place to pretend that they are helping, but not help at all. I have provided Wells Fargo sufficient information to make a decision whether or not they want to provide me with a mortgage modification. I have sufficient income for a mortgage modification and pay my mortgage. I will very much like Wells Fargo to make a decision because I do n't see how this wait, hold, and stall process is helping anyone. 
Furthermore, Wells Fargo needs to take its Fiduciary duties seriously and act in Good faith and provide fair dealings with me its customer. I am qualified for a Mortgage Modification. I have provided sufficient information to Wells Fargo to provide me a Mortgage Modification. Wells Fargo seems very unwilling to Modify my mortgage because it is more profitable for Wells Fargo, as a Servicing Agent, to benefit if my property is Foreclose than if Wells Fargo Provide me a Mortgage Modification. 
Wells Fargo need to fulfill its legal Fiduciary duties and provide me and my Family a Mortgage Modification because I am qualified and I have sufficient income to pay my Mortgage if my Mortgage is modified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo placed a hold on my mobile deposit without notification. I deposited a check for {$600.00} via mobile deposit, and the email said it would be available on XXXX/XXXX/2016. Without ANY notice, they have now placed a hold, even though the {$600.00} check has already successfully cleared the other bank. Wells Fargo is committing fraud and causing an illegal overdraft. Not only are they holding a check that has already been paid, they placed a hold without notifying me in any way shape or form, most likely in an attempt to scam me for overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I called Wells Fargo on XX/XX/XXXX to see if I could apply for a forbearance for two loan payments XX/XX/XXXX. I had a medical hardship as I XXXX and work did not approve my FMLA. I was told it could take up to 10 business days to complete the process. I did not receive any confirmation or denial via email, phone, or paper mail so I followed up on XX/XX/XXXX. The representative informed me that the processor needed additional information. The additional information needed was provided during the original call on XX/XX/XXXX. Due to the excessive time it has taken my payments are due and I have had to borrow the money to ensure my payments are made. I have never missed a payment since my loans went into repayment status. I have perfect credit and will maintain my scores in any way I can. I also feel like Wells Fargo is a predatory lender. I requested that Wells Fargo consolidate my loans and they denied my request due to my debt to income ratio. The rates of interest are 4 percent higher than unsecured loans on top of that they are variable rates with no fixed rate options. If the prime rate increases I assure you I will not be the only consumer crippled by this predatory loan structure and lack of willingness to help the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo is doing the same thing that XXXX did. They are charging overdraft fees without consent. I also believe that they try to make a person have an overdraft fee on purpose just so that they can charge the overdraft fee. I go by my available balance and sometimes my available balance is n't right which causes the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have a Wells Fargo Health Savings Account through my employer ( I am on a health plan that qualifies for a HSA ) and have a debit card for said account. The problem is I just received a letter regarding " amendments to your credit card agreement '' for " account ending in XXXX '' which does not match any of the accounts I know I have and I never applied for any credit card with 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 explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I purchased XXXX Savings Certificates from XXXX in XXXX of 1992, XXXX each under each of my daughter 's XXXX. Since 1992 Wells Fargo Bank purchased XXXX. I recently found the original certificates and went to Wells Fargo ( XXXX, MN Branch ) to cash them. They did a 10 day search and said they had no record of them and said they probably turned them over after 7 years to the State ofMinnesota Unclaimed Property Division. I called the Unclaimed Property folks, and they have no record of any monies coming from XXXX or Wells Fargo Bank. Wells Fargo Bank said there is nothing we can do. We will not honor the certificates. I asked if the funds could be withdrawn without turning in the original certificates, and they said no! Since I have the original certificates and they have NO record of ever paying out the monies or even sending them to the Unclaimed Property Division of the State of Minnesota, how do I cash in these certificates and receive MY money back plus interest that was listed on the certificates?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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:
I have a Wells Fargo Financial National Bank credit card/XXXX XXXX XXXX XXXX that advertises a " no interest '' promotional period. First, it was not at all made clear to me that the interest still accumulates unless you pay the balance in full. Secondly, Wells Fargo never sent any alerts regarding promo-balances coming to the end of their designated time periods. Therefore, the balance came up without notice and my balance more than doubled ( over { {$1000.00} } in interest charges ). I ca n't imagine that they would have no obligation to actively notify me that the promotion is coming to an end.

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 2016-09-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I opened a business checking/savings account in 2011 with Wells Fargo and they were using a credit card for advances without telling me. I could n't even see the card or the card account information on line. After a couple years I went in and told them they had charged me {$160.00} for {$150.00} in advances and I told them it was n't fair and asked to get the {$160.00} returned but they said they would n't so at that point I closed my account and moved to another bank.

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