vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I held/have a Dillards American express credit card that was originally manage through XXXX and was recently switch over to Wells Fargo bank. My account was recently closed due to non-payment, which the last payment I personally made on this account was in XXXX and was informed that the credit protection that I had taken out on this card from its original management XXXX would be making the payments because I was approved for benefits from a claim that I had been filed that was never honored. I spoken to XXXX executives over a wells fargo bank ; XXXX XXXX, and XXXX XXXX who have yet to get back to me and also I have left numerous messages. At this point I 'm ready to take legal action on both companies ... .. 
This is my new credit card number XXXX and this here is my old credit card number in which the credit protection has on file XXXX and this is the card number the new claim is approved on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I only owe on XXXX student loans. Wachovia whicj turned into wells fargo claims i owed them. For years i have disputed only on their account, asking for paperwork. Something about the loan to see if i owe. They never responded. I opened a bank account with wells fargo, no one at the bank said i owed anything with student loans. When you open account with wells fargo they claim to run your social security number to see if you have any other financial relationships with them. They didnt inform me. If they did. I wouldnt of felt comfortable opening an account with them. I had an account with wells fargo for 6-7 years. Not at anytime have they sent me a letter on the student loan. No one ever called me to collect debt. And wells fargo had my current information. I had an active account with them. Years later i fell on hard times, i XXXX, my children and i were in a shelter. I had just finally received my income tax. Wells fargo withdrew {$6000.00}. From my checking wih out any notice. I called wells fargo and complained. Again asked for proof, they stated they dont have to give me proof. I said yes you do, refund my money. The man who was supposed to be my account manager who never contacted me. Got nasty with me. Rude. Even laughed when i told him i needed my money. That i am in a shelter, i have a XXXX. I continued to ask for proof, paperwork, i dropped out of college. Maybe the school took out a loan on my behalf and kept the money. I dont know. I know i dont owe wells fargo. Only on my federal student loans which has always been in good standing. Till this day i have never got my money back. No proof, no information on the debt that i requested so many times. Even the credit bureaus erased the information because Wachovia never sent me information on the debt they claimed i owed. Plain and simple. Wells fargo/wachovia never contacted me, never provided information about the debt. And out of no where just withdrew my money at the worst time. The account manger in the student loan department got nasty with me. Rude. I asked to speak to his supervisor. She said she wasnt giving the money back. And that i need to contact the school. I did contact the school and no one got back to me. If i got a live person they would transfer me to a machine. And no one has returned my call. I still till this day have never received any information and they just stole my money from my account. I believe this was a fraudulent loan. No one provided any proof or information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I tried about 5 years ago to get a modification on my mortgage through a company called XXXX and it turned out to be a major scam. They charged me almost {$4000.00} and disappeared. Well XXXX lawyers later and approx. {$20000.00} later the bank Wells Fargo is still denying me a modification and has broken all laws pertaining to the modification. The last lawyer I had XXXX XXXX charged me {$3000.00} to try to get the mod and he said he believed he could get it and he could n't and now he wants to charge me {$1300.00} a month to file the lawsuit with no guarantees at the end. He is also charging me just to talk on the phone. I need direction and an attorney that can work with me to sue Wells Fargo and try to save my home. 

I would like the mortgage and escrow to be lowered to an affordable amount and the interest and lawyer fees to be reimbursed since the only thing that was done was paperwork. I am tired of being ripped off by attorneys who charge too much money to get no results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I got a vehicle loan at XXXX XXXX XXXX XXXX XXXX, in XXXX, MO, which was financed through Wells Fargo Dealer Services, on XXXX XXXX, 2015, according to my loan documents. I called yesterday, to try to make the current interest payment and a {$500.00} principal reduction on my loan, but Wells Fargo does n't have any record of the loan in their system yet. I called the dealership, and was told that the loan has n't been completely processed and funded yet, and that my payment is n't due until XXXX anyway ( which is utterly beside the point ). I called back to Wells Fargo and asked if I could make a payment, using my name and SSN, and have it applied with an effective date, once they receive the paperwork. I was told that they could not do that because the loan may not even go through them. I offered to send her a copy of my documents showing that Wells Fargo was the lender, and she said it did n't matter because they had no record of the loan. I asked if I was the accruing interest, since they did n't have the loan yet. I was told that the loan would be accruing interest as of the date of the contract, but it did n't matter, because the interest charge was calculated on the date of the loan. After explaining interest accrual to the nice young lady, and how principal reductions affect the accrued interest, I asked to speak with a manager, and was told the same thing by her. They will be charging me interest from XXXX XXXX, but as of XXXX XXXX, they are refusing to accept a payment, which would reduce my daily interest. At this point, the difference is only {$0.00} a day, but if you take that XXXX cents times all of Wells Fargo 's customers, they could be making a pretty sizable chunk of change over the course of a year. I 'm also going to be receiving a good-sized check from my insurance company for the replacement cost of the vehicle we totaled, and will be wanting to apply that to the loan also. If they are n't in any hurry, because my XXXX payment is n't due until XXXX, I could be out a good amount of money by the time they decide to process my loan. As someone who works at a bank, I know that there are consumer regulations that state how loan payments have to be applied, and that it has to be done in a timely manner and such. Since they 've not actually " funded '' the loan yet, am I just stuck in no man 's land? What recourse do I have?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been receiving Wells Fargo billing on a student loan more than 14 days late. I have saved the post marked envelope as proof. The notices fail to show why the payments due increased and fail to show balance of loan. The habitual late mailings appear to maximize Wells Fargo late fees with the absence of transparency. I have faxed a request to negotiate a pay off number and Wells Fargo has refused to define a number via mail, as requested.

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 2016-07-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Concerning my note/ mortgage loan with Wells Fargo Home Mortgage , Upon careful examination of my loan documents I 've found many and various violations of the documents and regulations relating to the loan, and loan application as well as the commission of appraisal fraud. I would appreciate your help in this matter.

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 2016-02-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have continuously submitted to my mortgage lender, Americas Servicing Company ( ASC ), documents to modify my home loan. They have continuously been asking for the same documents over and over and over again for over a year now. 
I have been through XXXX Home Preservation Specialists. 
The current XXXX is XXXX XXXX. He has not been of any help just as the XXXX prior to him. 
They have sent requests ( form XXXX ) to order my tax returns from XXXX numerous times. I have provided the information and they have still been requesting these same documents. I have even sent them copies of my tax returns. In addition, they continue to ask for my business tax returns. They have been sent copies numerous times as well. They continue to claim signatures are missing and pages of my tax returns are missing. I continue to tell them there are no pages missing and returning signed tax returns. Again, this is a repeated process that has been going on for over a YEAR! All documents are sent to them by their requested deadline and uploaded on their site. 
Everything they request has been returned timely and sent to them numerous times. I 've even had to submit the original application twice so they can by time and not service my request. 
When is it time they process my application? 
I am trying to get approved for a HAMP loan and this mortgage servicer, Americas Servicing Company, and Wells Fargo need to work with their consumers when they are in need and quit playing games. I attached only a partial paperwork I have been receiving from them for well over a year as it is so many documents they send to make it appear they are helping their customers, when in fact they are only repeatedly finding reasons to request the same documents over and over again.

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 2015-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My bank XXXX, via web pay bill, paid my mortgage to Wells Fargo on XXXX XXXX 2015. For over a year Wells Fargo had received payments via this method and applied the funds to my mortgage. This time Wells Fargo did not apply the funds to my mortgage but instead somehow misplaced and lost the payment. It took nearly 5 weeks for Wells Fargo to locate and return the money. Meanwhile I had to pay my mortgage again as to not be late on my payments. Wells Fargo refused to pay any interest on the money they held and did not compensate me for the over drafts on my account due to having to pay my mortgage XXXX in one month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have contacted Wells Fargo several times due to a recent financial setback due to health issues and asked for a forbearance in order to catch up and continue making payments. However, each time they say that I am not eligible because I need to make XXXX full payments first. That is the problem I am unable to make my payments. After trying to get a reduction in payment or forbearance and being denied each time. I had no option but to stop making payments. They are now harassing me daily and asking when I can pay and to speak to there loan resolution department and each time I tell the rep that I have and they ca n't help me.

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: Credit card — 
Issue: Cash advance fee — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I bank with Wellsfargo and also have a credit card with them. All of my checkings, savings, and credit accounts are linked. XXXX XXXX, 2016, XXXX, sent an unauthorized transfer request for {$1000.00}, resulting in an overdraft of XXXX from my Wellsfargo credit card to my Wellsfargo Checking account. I called immediately when I noticed my account was off. I was told that it would be quicker for me to resolve the issue with XXXX directly. I called them and it was resolved in 2 days. I asked Wellsfargo to reverse the transfer of funds and was told I would need to call the credit department and handle it on my own. When I called WF CC company, I explained the circumstances and the lady " understood '' waived the cash advance overdraft fee and told me I would need to authorize a " payment '' with her to return the funds. I later found that it should have been a credit reversal. When I received my XXXX or XXXX statement, I found I had been receiving a cash advance fee charge since XXXX or so. At this time, there are 3-4 months of cash advance charges on my credit card. I called because my transactions are the same as always so I knew something was wrong. I found out thr charges stemmed from the original XXXX transaction so I asked how to resolve. I am sure they can go back through call logs to see that I 've spoken with about XXXX people who all assured me it could be resolved. In short, I was last told to contact Wellsfargo Checking and follow-up on my initial claim. I did so and was told it was as simple as a form and that I 'd hear back in 10 days, which I did by letter. Unfortunately, the letter only reiterated what I already knew. Because I resolved the issue on my own, as prompted by the representative from WF Checking, my issue indicates a simple debit and credit in the amounts of {$980.00} and {$1000.00}. This does n't resolve my issue and no one from WF Checking or Credit Card seems to really understand and want to resolve the issue. I am beyond tired of following up on and this and attempting resolution. I 've also filed a complaint against WF Checking as I feel both company areas have failed me miserably. I may not be rich and I may " get by with a little extra left '' but it 's still my money and I still deserve to be treated just as well as any well to do client. I am tired of calling and following up and getting the same results. Everyone seems to understand the issue but who has the power to rectify it. I just need this issue resolved and closed. However, I will say this, I do not allow anyone to defraud me without repercussions. I will follow this process through and if it need be, get my local media involved as well. I 've been bounced to so many people, I just need to speak with someone who can resolve the cash advance issues on my 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 non-monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2015 my house burned down in the XXXX XXXX in California. My insurance company issued a check to cover the house on XXXX, 2015 in my name and Wells Fargo Bank as they are the loan holder. After Calling The wells fargo main number I was told to take the check to my local branch in XXXX on XXXX XXXX, where they would endorse it and I could then pay them off. I made an appointment with the Assistant branch manager XXXX XXXX on XXXX XXXX, 2015. XXXX XXXX while talking to someone advising him over the phone told me I would have to sign the check then they would mail it to their main branch, where it would be processed in 10 to 14 business days. Once it was processed they would deduct the {$52000.00} plus owed to them and send me a check for the balance. I protested and asked if I could pay off the loan now then simply have them sign the XXXX check. They stated they could not do that because once I paid off the loan they would no longer be a signatory on the XXXX check. I told them this was ridicuoous, but I was forces to comply by signing the XXXX check whereby XXXX put it in a large envelope and said it would be sent out right away. And that I should receive a check from them in 10 to 14 business day. Today almost 3 weeks later I called the main Wells Fargo phone number to check on the status of my money. I was told they had not received the check I was talking about. I called XXXX, he stated he remember logging the check out and mailing it. He too checked with the main office, they also told him they still had not received the {$540000.00} check from XXXX endorsed by me. They were claiming the recent holiday must have messed up the mail, they kept saying XX/XX/XXXX but I suppose they meant XX/XX/XXXX, at any rate one holiday would n't slow down the mail for 3 weeks. I have no iddea what Wells Fargo is up to other than possibly complete incompetence, but I '' ve been waiting 3 weeks for this money so I can move on with my life. I would really appreciate any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-11 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 bank emptied my account without prior notice on XXXX/XXXX/16 to a collection agency claiming to have a court order. Wells Fargo refused to give any court order or docket information and only suggested that I contact the collection company. After suffering all weekend without a penny the collection agency finally contacted me on XXXX/XXXX/16. They claimed I owed a credit bill and produced a docket from XXXX County Court ; Docket # XXXX. I contacted the courthouse and this docket does not exists and no court order was given to take my bank account. Neither Wells Fargo or the collection agency contacted me they just took the money. Wells Fargo should have a legal and ethical responsibility to have included me in this process. As a result of their arrogance I have suffered and continue to suffer.

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 2016-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2014 I got married to a man I had been dating who was a XXXX citizen. Shortly after we got married, he asked me to add him to my Wells Fargo checking account to help him establish his residency and our relationship for his XXXX application. I agreed, believing that if I was allowed to add him to my account, that I would be allowed to take him off, should our marriage not work out. Well, the marriage did not work out, and when I called Wells Fargo to have him taken off, I was told I needed to go into the branch. I went into the branch and tried to take him off of the account, and was told I would have to close the account. I told them I did not want to do that. It was then suggested to me that I open a second account and transfer the funds from my main account into the second account so that he could not access the funds. I decided to try this option, since I did not want to close my account. However, he would wait until funds were deposited into the original account and immediately start spending. Sometimes I had to have money in that account because there are automatic withdrawals ( my car payment, loan payments, attorney payments, etc. ) which then sometimes would " bounce '' because i had transferred only the amount of the automatic debit, and then he would make charges on his card and there would not be enough money to cover the payments that I anticipated making. This cost me fees and late payment charges. Like I said, I can not close the account, because I have direct deposits and automated debits connected to this account which have been set up since I had the account and I do n't even know who to contact or how to get the information to set that up with a new account. And I do not wish to go through all of the time and aggravation doing so. Had I been told that I would not ever be able to remove him from my account, I would never have added him in the first place. Had it been suggested that I open a second account and just add him to that XXXX ( before, rather than after the fact! ) I would have done that. 

Since my husband and I have separated, he has repeatedly obtained cards to this account, and spent approximately {$4000.00} of my money -- since he has never, not in the entire course of our marriage, nor since our separation, deposited any money into this account. He has gone into the branch and taken money out, he has had debit cards ( in his name! ) sent to his new address without my knowledge, he has done all of this despite the fact that we are separated and there is a restraining order currently in place and divorce papers have been filed. I demand that Wells Fargo assist me in REMOVING him from my account and that they allow me to keep the bank account that I have had with them for many years. I do n't know what else to do other than ask for the assistance of the CFPB in this matter. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was aggressively sold an installment loan by Wells Fargo, told it would save me money on my maxed out credit card. Turns out the interest rate was 11 %.

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