vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I bank with Wells Fargo Bank in XXXX Az. Using my Wells Fargo debit card at XXXX XXXX in XXXX to get close to todays current market rate, I found Wells Fargo has frozen their ATM card exchange rate to XXXX ... my XXXX last transactions, increasing my cost of doing business by an additional {$21.00} plus per transaction plus their internation fee of {$5.00} dollars U.S. And XXXX 's ATM charge of {$1.00} or less. 
My last XXXX transaction showed a market rate at {$19.00} last Thursday XXXX/XXXX/2016 after XXXX so I exchanged dollars for {$8500.00} XXXX at a cost to my account of {$470.00} and change, then Saturday evening XXXX/XXXX/2016 I withdrew {$8500.00} XXXX for {$470.00} US dollars and change rate was XXXX then today XXXX/XXXX/2016 I again withdrew {$8500.00} XXXX and got the same rate as Saturday! After calling Wells Fargo, they said it was XXXX 's problem, not theirs, until I said you are my Bank and your name is on my XXXX Debit Card. I was helped by Wells Fargo rep who then called XXXX to find out they were keeping the rate well under market at a cost to their consumers, ME. I did file a complaint with Wells Fargo but after finding how they were evasive and tried to place blame elsewhere I am now turning to You. 
My phone Number is XXXX cell and my XXXX XXXX number is XXXX! 
I know now Wells Fargo is manipulating the currency market to their clients using Debit Cards at the very least. I have an account with Wells Fargo an my account should reflect dates and time of all XXXX transactions. This is a first that I know of and I do n't like it! 
Sincerley XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX! I am current at our home in XXXX XXXX XXXX and the ATM was from Santander bank across from XXXX XXXX XXXX XXXX! XXXX! 
XXXXXXXXXXXX is my email!

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 2016-11-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Customer ID : XXXX CNU Cashnet calls my phone 6 times a day i have my phone log save constantly harasses me. I am on a credit management plan and they do not want to wait for payment. She keeps harassing me to borrow money to pay them. She has called my work phone several times and I advised her not to

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I went to Wells Fargo bank in person in XXXX nj to close my account. I signed card at bank and withdrew money I had left in account. I was told account was closed and at XXXX balance. In no way did i authorize any transactions after the account was closed yet transactions continue to be put through. I have contacted all merchants as well as the bank and filed a dispute for each attempted transaction. Wells Fargo is the worst bank I have ever dealt with.

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 2016-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
One of our employees has a debt collector that keeps calling after we asked them to stop and let them know employees cant receive personal calls at work.

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 2017-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have made several calls to Wells Fargo to inquire about their FHA mortgage loan requirements explaining each time I called that I had a bankruptcy in 2011 and a shortsale 2 years ago in XXXX. I was told that their requirements were that two years needed to pass for approval. After I filled out the online application including all my personal and financial information the same person that had told me about the two years called me to tell me that the requirements for FHA loans are three years. I do n't feel this was done in error I feel that they will use my personal and financial information for their illegal purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: FL

Complaint narrative:
I receive XXXX for my son on the XXXX. On XX/XX/XXXX I went to the atm to take out money. The machine said I was exceeding my balance so I checked online. Noticed that someone in XXXX had withdrew XXXX $ from my card. I had my card the entire time. So I contacted direct express immediately. Filed the claim for fraudulent transactions. They told me I needed to write a letter or wait for their paperwork and send it back. I decided not to wait and sent out my letter on the XX/XX/XXXX which the confirmed they received on the XXXX. To this day of the XXXX I have yet to receive their paperwork. I call them everyday and all they tell me is I have to wait for them to complete the investigation which will take 45-90 days to receive credit. I am being evicted from my home as this is my only income. I have done everything they have asked and no credit. They also charged me for a new card which is n't fair since I have my old one and charged me shipping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied on line for a Wells Fargo Bank account so that I had somewhere for my father to wire my money. He lives in a rural area where the nearest XXXX XXXX is 3 hours away so it would be easier to wire money straight from his bank to mine. 
I was refused a bank account. I had resolved my bank account issues to my understanding with Wells Fargo. They understood that the previous issues were due to fraud. They XXXX out my account and I chose to close the accounts until a later date. They did n't even reimburse me for what was fraudulently taken from the account. 
Now I am refused an account 3 years later and want to know why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union claimed to have {$91000.00} on XX/XX/XXXX to transfer on behalf of the borrows per a settlement statement. Repeated request in compliance with NFCU billing rights, XXXX, and the Freedom of Information act for NFCU to validate that amount and where it came from have not been complied with beyond claims they never received those request. In addition is the settlement statement claims {$41000.00} transferred, as part of {$91000.00}, to XXXX XXXX XXXX. XXXX XXXX Loans was seized for fraud in XX/XX/XXXX for this exact same practice of initiating loans they could not validate the original amounts resulting in a over XXXX difference between what they claimed they had and what they actually had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a previous modification with Wells Fargo and was making payments on that modification for several years and remained current. The XXXX, the XXXX loan, was problem. I attempted to reach out to them to negotiate a payment plan. I had difficulty working with XXXX, getting a hold of them specifically, and they were unwilling to consider any type of payment plan outside of the entire note. I was n't even asked for my income for consideration for a modification, although, I could have afforded the loan in reasonable monthly payments. 
I prepared to borrow money to pay the entire note XXXX, and I could only get {$50000.00}. The XXXX representative informed both me and the money lender I had retained that they, XXXX XXXX, had a buyer for the note. At this time, the loan had not gone to foreclosure auction yet. 
I had filed for bankruptcy, but XXXX sold my XXXX loan at auction XX/XX/XXXX. Since I was in bankruptcy, the bankruptcy judge informed my lawyer that my lawyer had to get my property back. A 3rd party who purchased this note is currently being indicted for auction rigging. 
Recently, XXXX XXXX, my father, who is also on the loan, received a call that our Wells Fargo loan was all paid up. We confirmed this with XXXX XXXX 's office that another bank loan paid off the XXXX, effectively removing me from having anything to do with the property. 
I have now lost my home and my equity since Wells Fargo, despite several attempts to contact them, will not explain to me what happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Integrated Recovery Services
State: OH

Complaint narrative:
Keeps leaving message that they will proceed with legal efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 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 was a wells Fargo customer for several years but my free checking account was never used, a teller pursuaded me to open one to save check cashing fees. One day after several months of no activity w/ my account I went inside to deposit a {$1000.00} check, I was told there was a problem w/ my account & was directed to an account manager, this guy was a complete XXXX, before anything was explained to me he was treating me like a comin thug very disrespectful, I started losing my patience with this XXXX then he blurted out loudly that my account is frozen due to being overdrawn, he said I will get a letter in the mail. So I left for home, checked the mail and to my surprise their was a letter from Wells Fargo that had a copy of XXXX checks each made for {$450.00} totaling {$900.00}, the name on the check was a XXXX from Alabama, the signature on the back looked like a woman signed it trying to cash them. What happened is some XXXX at Wells Fargo used my account XXXX to cash this XXXX from Alabama checks and my name is XXXX from XXXX Florida and my account number is nowhere close to this other guy, I have no clue how this could happen because I had no money in my account so how can they use it to cash somebody else 's checks? I have been up against a wall with these XXXX, I 've opened at least 5 fraud cases with Wells Fargo fraud department that always ends with " sorry we ca n't help you because it 's not your name on the checks '' they know this but it 's fine to use my bank account to cash this guys checks!! I ca n't even file a police report because the cops need more information. Wells Fargo has completely stone walled me, my name has been added to the fraud warning site, I ca n't open any bank accounts, it has damaged my reputation and has caused me much grief. This is a perfect example of why banks should never be to big look at how they treat people and GET AWAY WITH IT!!! I am beyond furious how incompetence runs rampant through wells fargo they should have to go through what they 've put me through, see if they act like it 's no big deal when it 's happeneing to them!!

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 2016-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Wells Fargo reposessed our vehicle in XXXX. When I sent a complaint to them about violating the SCRA, they denied getting my husbands XXXX for the XXXX. They also denied repossessing the vehicle. They sent me the original loan information, which clearly states the original payment was {$510.00} at 16.95 % interest rate ( they bought our loan from another bank in XXXX ). After fighting with them to lower the interest rate because we bought the car before enlistment, they finally lowered the interest rate and the payment became {$420.00}. They are saying they had no idea of deployment when in fact they did because in order to lower the payment, I needed to fax them his orders. They are refusing to send statements stating the changes interest rate, even though the payment is drastically different than the original loan states. They also claim they did not repossess the vehicle. They charged off a {$13000.00} vehicle loan, and they are claiming that they did not also take it. My husband should have been protected from this. They are trying to obscure the facts and as a consumer, we ca n't get into the files. They can easily say that they did n't reposess it but the facts are we no longer had the car in our possession in early XXXX. If they are doing this to my husband, I am sure they are doing this to other soldiers who are unaware of what happened to them.

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 2017-03-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My wife had set up a monthly payment towards an account that was paid off. My wiffe had passed away Monthly credits continued to build up. Once i discovered this i sent in her death certificate. They refuse to close the account and send me the credit still on the account.

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 2016-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contracted my mortgage company, Wells Fargo Home Mortgage to try to make a mortgage payment and arrangements to bring the loan current. At the time, I was 3 months delinquent. They refused to accept the payment and instead advised me that I have to have all three months at once in order to accept the payment. I escalated the call to a supervisor, who told me the same thing. I advised them I would file a formal complaint because I am trying to give them money and they are refusing it. I was transferred to the Executive Complaints Unit and was advised that I could apply for a modification. I submitted my paperwork and within 2 business days received a call saying it was denied, but that I could appeal. The agent that was assigned to me flat out told me not to bother to appeal because it would not make a difference in the outcome. I had no options but to come up with all of the money to reinstate.

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 2015-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Last month I was approached by the local branch manager to use XXXX Wells Fargo 's products. I was not interested but after serval attempts I agreed to sit down and listen to what Wells Fargo has to offer. I purchased a house cash and was told to apply to a zero fee home equity loan@2.99 %. That sounded good and I proceeded although I really did n't want my credit pulled just to try, I was assured since I have a XXXX credit score and XXXX the loan amount in a savings account with Wells Fargo that this will be very quick and easy. It has been XXXX since I applied, I have spent more than 40 hours preparing documents sending documents and treated like I was a criminal. This has been the worst experience in my life!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We realized that Wells Fargo created an infant account on our home equity line and automatically was charging us the higher interest rate on our home equity line of credit. We did not sign anything agreeing to the higher interest rate and the infant account with the higher rate was not even visible when we logged into our account summary page. The lower interest rate showed on the home page of our account and the higher rate that we had been charged was only visible by going through a series of steps from the account summary page. This was very misleading because when viewing our account statement it read the amount of the parent account 4.25 % when we had been charged a rate that was 7.75 %. At 3..5 points higher than the rate in the parent account, we calculated that this amounted to over {$14000.00} in excessive interest charged. Wells Fargo took several months to review our complaint and determined " no error occured ''. They did not complete and mail the review until XXXX XXXX, 2015 although they had sent us a letter stating that they would complete their research and provide us with results on XXXX XXXX. We have all documentation. We also have XXXX emails to Wells Fargo Home Equity Consultants asking for options for lower interest rates during the duration when we were getting charged the excessive rate. We were told all 3 times that no better rate was available to us.

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 2015-06-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We are self employed and were going through hard times in XXXX when the economy crashed and found it difficult to keep up with our mortgage. We turned to Wells Fargo for help because our interest rate was very high at 6 %. They gave us a temporary reduction in our interest rate and payment that was only good for XXXX months in XXXX XXXX. Once the XXXX months were up our rate went back to 6 % and we could no longer afford to make the payments. We tried working with Wells Fargo but they would not help us so we hired the XXXX XXXX XXXX in XXXX XXXX to work with Wells Fargo. Wells Fargo has refused to help us because the investor will not allow a permanent modification. We have done our part by making the XXXX monthly payments which we could afford. We do not want to lose our home where we raised our children. We are requesting that Wells Fargo permanently modify our loan so we can continue to make payments and stay in our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Hello, We are XXXX desperate family who struggles to keep our home from getting foreclosed. This horrible time had started when my income has being reduced from the recent recession we had in our country. As an XXXX, working on our own XXXX, Me and my husband suffering difficulties to cover all our payments, because our commissions were reduced. The cry for help was answered with multitude of paper trails, lost applications, missing documents, then expired documents, denial letters, offers to short sale our home, and now with a threat to foreclosure. We had no control over the financial crisis in our country, however, we hope that there is someone who can hear us. We want to save our home, please, help us to do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My loan was suppose to stay in deferment until I graduated from my current program and then payments were suppose to start six months after graduation. I completed my program XX/XX/2016. on XXXX XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Wells Fargo stating that my XXXX loan is now in default and is due in full immediately. When I called them they told me that there was no way they could reverse anything and they would like me to allow them access to my checking account so that they can charge me {$310.00} a month on automatic withdraws. If I had known that the loan payments were required I could have made arrangements to pay them without the account going into default and now my options are limited. As a new graduate I am still trying to make my way and earn funds necessary to pay off the loans I have.

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 2016-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells fargo keeps charging for insurance on a ford fiesta. I carry insurance on the car with XXXX. They have faxed them the information that i carry insurance. They are charging me XXXX more a month for ins. i dont need. This is also effecting my credit. They started charging me several months ago for this out of the blue.I would like it to stop now. Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief