vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have a mortgage with Wells Fargo ( Loan No. XXXX ) and first put my XXXX XXXX house ( XXXX XXXX XXXX, XXXX XXXX, OH. XXXX ) on the market in XXXX 2015. I have maintained this property since I was divorced and filed bankruptcy in 2000. However, due to the house needing repairs that were beyond my financial ability to handle, I applied for a short sale in early 2015. I was approved for a short sale and Well Fargo appraised the house at {$22000.00}, though I owed {$62000.00}. I re-located in XXXX of 2015 due to conditions becoming un-livable. There have been no offers or even buyers inquiring on the property at {$22000.00}. 
Wells Fargo then retracted my approval for the short sale in XXXX of 2015. I then submitted an appeal with my updated financial worksheets showing a deficit. I asked for XXXX of XXXX options : 1. a deed in lieu of foreclosure. 2. Reconsideration of the short sale and an updated appraisal of the house based on fair market value. 
I was approved for the short sale and an appraiser from Wells Fargo was sent to property. However, they refused to release an amount. My realtor & I received an offer for the property of {$5000.00} and submitted this to Wells Fargo on XXXX/XXXX/15. The following properties have sold in my area for the amounts listed : XXXX XXXX XXXX, XXXX XXXX was listed at {$29000.00} but sold for {$5500.00} XXXX XXXX XXXX, XXXX XXXX sold for {$7000.00} XXXX XXXX XXXX, XXXX XXXX sold for {$6400.00} XXXX XXXX , XXXX XXXX sold for {$4500.00} I received a letter from Wells Fargo dated XXXX XXXX, 2015 that the short sale was again retracted. When my realtor, XXXX XXXX ( XXXXXXXXXXXX XXXX ) called Wells Fargo to find out why she was told that I had a surplus in financials due to the following : They do n't count tithing as an expense. 
They have limits on certain categories as to how much I can count as an expense. 
The first reason seems like a violation of my religious freedom. The second reason seems impossible to meet. My realtor was told that a single person could only count {$250.00} a month for ALL automobile expenses ( gas, insurance and car payment ). I spend {$100.00} a month on gas, {$97.00} a month on car insurance and {$300.00} a month on a car payment. This limit hardly seems reasonable. 
My house is going into foreclosure after my attempts to work with Wells Fargo. I feel I am trying every attempt to avoid foreclosure and work with the bank but I am hitting walls. I would like to resolve this issue and allow the house to sell for what is fair market value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Applied for a loan at Wells Fargo Bank. Locked in to a rate of 4.375 %. After I paid for the appraisal out of pocket, the mortgage representative stated : '' Unfortunately I have some bad news and I wanted to get it to you before I left the office this evening. When we had first taken the loan application the appraised value that was entered was based off of evaluations by pulling property profiles. Upon speaking to you regarding the conservative appraised value, I changed the number in our system to reflect a {$270000.00} value we had spoken about. The unfortunate news centers around the system not saving this new {$270000.00} value which in turn change the pricing. Today we received your appraisal. The value came back higher than anticipated at the number of {$290000.00}. When this information was entered into the system, it in fact did change the pricing which is making it so we would need to charge you, or decrease the cash back by {$1000.00} in order to get you in at 4.375 %. I have begun putting together a request to reduce this amount as low as we possibly can to keep you at the desired rate. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Money was wired on XX/XX/XXXX. It is now XX/XX/XXXX and neither bank knows where my money is. They both keep blaming each other and Im out $ XXXXUSD. The bank manager actually told me yesterday I might be out of luck. This is supposed to be a secure place to keep funds not the stock market. If I dont get this money back soon it will break me and probably put me in bankruptcy. PLEASE HELP!!

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 2016-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am in foreclosure status with wells fargo, I have asked to be rereviewed for a loan modifcation, but will not alllow me back in due to my history of broken payment plans. Although there were reasons why I broke the plan and was in constant contact with the back. 
Also they lost my original note, have sent letters to my job which breaks confidentiality, THey do not return calls in a timely fashion and are put on hold for over 45 minutes at a time. AFter speaking to HUD along with the XXXX XXXX XXXX, Wells FArgo still refuses to work with me to give me another chance.

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 2017-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After having a checking and joint checking account with Wells Fargo for more than 23 years I received a letter from Wells Fargo in XXXX of this year advising me that after reviewing the account relationship they had decided to close my accounts. No reason was given and no one could give me any reason for this arbitrary decision. I am in my mid sixties and have not had any bounced checks or anything negative. I also have a very good credit report. This unilateral and arbitrary decision has harmed me and turned my life upside down. I 've had to stop automatic payments, deposits, etc etc. I think it 's disgraceful that a huge financial institution which engaged in fraudulent activities should be allowed to unilaterally close muy account. As a senior citizen I expected to be protected from harmful banking acts. Your help will be appreciated

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 2016-10-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Well I never really use my card for really big purchases so when i look at my account it said -XXXX in checking and -XXXX in savings so i called my bank and started a claim the operator was very confusing so i didnt understand her so when she asked me stuff it confused me so after that she gave me a claim number and thats it i called back a fee days latter and they said it was denied bc of information she explained it wrong so i gave the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On the " Pay My Wells Fargo Accounts '' page, the Amount drop-down only gives you the option to pay the " Total Amount Due '' and not the Outstanding Balance. In order to pay the Outstanding Balance, you are forced to select " Other '' and then manually enter in the dollar amount corresponding to the Outstanding Balance. This is deceptive and unfair because it does not give card members the option to pay their entire Outstanding Balance, encourages card members to inadvertently continue revolving a balance, and allows Wells Fargo to charge interest on unpaid balances that the card member may not made aware of.

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 2015-08-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXXDear sirI would like you to help me to find the fund that I lost into WachoviaBelow is my XXXX in historyMy XXXX on the move : Step XXXX : Info from XXXX " We are continuing to review your request regarding your XXXX account. XXXX XXXX moved their funds out of XXXX on XX/XX/XXXX to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IA ). The amount moved for you was {$67000.00}. " Person found that fund is : XXXX XXXX XXXXSr. Retirement Plan Distributions AssociateXXXXXXXX XXXX, NE XXXXToll free : XXXX Ext. XXXXDirect : XXXXXXXXFax : XXXXXXXXEmail : XXXXXXXXXXXX I made an application with Wachovia broker to move my XXXX to my Ira account ( please see the attached file ) Since from that date ( XXXX ) I left US for XXXX My account was inactive until now and this account was insured by FDIC so I hope you help me to have that fund backPlease give me a guide line what need to doThank youXXXX XXXX would like you to help me to find the fund that I lost into WachoviaBelow is my XXXX in historyMy XXXX on the move : Step XXXX : Info from XXXX " We are continuing to review your request regarding your XXXX account. XXXX XXXX moved their funds out of XXXX on XX/XX/XXXX to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IA ). The amount moved for you was {$67000.00}. " Person found that fund is : XXXX XXXX XXXXSr. Retirement Plan Distributions AssociateXXXXXXXX XXXX, NE XXXXToll free : XXXX Ext. XXXXDirect : XXXXXXXXFax : XXXXXXXXEmail : XXXXXXXXXXXX I made an application with Wachovia broker to move my XXXX to my Ira account ( please see the attached file ) Since from that date ( XXXX ) I left US for XXXX My account was inactive until now and this account was insured by FDIC so I hope you help me to have that fund backPlease give me a guide line what need to doThank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo added charges to my mortgage loan for things I should have not been charged for as I attempted to request assistance with payment problems over and over since XXXX. I was not given correct information for obtaining payment assistance until I started complaining to CFPB. Upon the first complaint, I was finally allowed to talk to a person to seek relief. Their response was the correct XXXX to complete their obligation and the lengthy time and hundreds of documents I uploaded, did nothing but increase my monthly amount due. I was given false information and the horrible treatment I received was deplorable. Each time I requested a modification to lower my payments, I was handed off to another set of people. During the process of trying to get assistance, I have had XXXX people who have indicated they were my " preservation specialist '', and each person always needed papers that I would submit and they would be wrong and they would loose them. The attached documents are for excess fees added to my account that include, but are not limited to : Property Inspections, Late Fees, Hazard Insurance, and Mortgage Insurance Payments. I requested help since XXXX. The attached are an addition to my XXXX complaint and are for XXXX and XXXX. The remainder of years will be submitted in blocks of 2 years to assist with making my complaints less complicated.

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 2016-05-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I asked wellsfargo to cancel a credit card and pay it in full, they did not process a transaction for paying in full, they only withdrew the minimum. I also asked that they send me paper statements because I have had so much difficulty with the website. They assured me all of my accounts had been transferred to paper. I did not receive any statements in the mail and they continued to charge me interest and fees on an account that should have been closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been banking with Wells Fargo since 1993. I am currently applying for XXXX and I am unable to work. My checking account was fine until I was told false information about the date in which fees were to be applied to my account. They applied the fees a week early and my account has been charged NSF fees like crazy. I can not catch up with my account because they have put the same checks through 4 times and now the NSF fees are so piled up I ca n't get my account current! They apply checks before a cash deposit! They do anything they can and always have to collect their XXXX dollar NSF fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We applied for a personal loan through Wells Fargo. The agent was more concerned about getting us to sign up for additional services and when we were not interested, our request for a loan was mysteriously rejected. 

The paperwork that Wells Fargo provided did not provide the credit bureau that the request was processed through. They would not provide any information as to why were denied and we were only referred to XXXX XXXX. 

We both have good credit scores, and we were able to go to our bank and be approved for the same amount immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
This is an addendum to my XXXX complaint. Wells Fargo tried a XXXX time to take money out of my account causing XXXX more charges of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
HI. I have been trying to get a loan modification from Wells, Fargo Home Mortgage. 
I am under a sheriff sale in less than 3 weeks ( XXXX/XXXX/2015 ). I have written to you about this and Wells, Fargo just leaves me a message that they are looking into it. 
I submitted all the information they wanted on XXXX/XXXX/2015 ( the day they told me it had to be in ). Then they sent me a letter that the information was to old a week later. My last letter from them was on XXXX XXXX, 2015 from XXXX XXXX, SVPand it states that they are looking into the inquiry from CFPB and I will have a result by XXXX XXXX, 2015. I have not heard anything from them. 
Please help! We live on XXXX. I ca n't sleep at night. 

Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX died on XXXX/XXXX/16. She had a reverse mortgage on her home through Wells Fargo. We were told by Wells Fargo we had 180 days to sell the house and pay off the reverse mortgage loan. We provided Wells Fargo with all documentation requested per their deadlines given, sold her home on XXXX/XXXX/16 and paid off the loan. Wells Fargo put her home in foreclosure at 120 days, causing us to have to pay {$1600.00} in attorney foreclosure fees at the time of closing. XXXX XXXX and Wells Fargo did not respond to our phone calls and correspondence. Attached is documentation. We want Wells Fargo to pay us the {$1600.00} we had to pay the foreclosure attorneys to get a pay-off letter to sell the property. We filed this same complaint with the XXXX who recommended that we also file the complaint with 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 2016-03-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a secured credit card with Wells Fargo Bank. I was required to pay {$500.00} to secure the card. I asked the company to close the credit card account because they were putting charges on the card I had not authorized. They were then asked to return the collateral on the card. A check for {$500.00} was made out to XXXX XXXX, XXXX. I tried to cash the check at their bank but they refused to cash the check even with proof. The company has been contacted several times but I was told lies. When I tried to get the check re-issued in the business ' name and my name they say it could not be done. The impression I have is this : they want me to open a bank account with their bank. What they would do is charge fees I have not authorize or try to mess up my credit report. I do not appreciate being muscled by irresponsible and dishonest people. I would like Wells Fargo to return the security deposit I made in good faith. I do not think they should be considered for opening a business account with their company. I want to build wealth not get ripped off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently opened a Savings Account with Wells Fargo Bank with a {$5000.00} deposit. Several days later I returned to the bank to add my spouse to the account, and we executed a Wells Fargo " Relationship Change Application '' ( their form XXXX ). What I noticed at the time was that while Wells Fargo keeps the original form, with our signatures, for account verification, the page they provided me DOES NOT have those signatures. That leaves open the possibility that the page could be substituted, within the bank, to replace those signatures, thus opening that account to abuse. Without a copy of our own signatures, we have no PROOF that WE opened the account, and provided our signatures at the time, because those signatures are unreadable on the copies we were provided. 

In telephone discussions with Well Fargo employees, today, all of them assure me that this is a Wells Fargo policy, and they can not provide me with the confirmation of our signatures by retaining a copy ourselves. Apparently, their policy is that " no document leaves Wells Fargo 's premises with the customers ' signature exposed. '' I believe that is a decision that the CUSTOMER should be permitted to make, rather than having a security policy in place we have no authority to challenge. 

With the recent exposure of other activities by branch employees, this seems to me to fit within that category. The decision to " leave Wells Fargo premises '' with MY copy of the document, subject to MY control, should by MINE, not the institutions. No one at Wells has proposed that this is law imposed upon them ; they universally assert it is their " policy. ''

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 2015-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In 2013 I was charged over {$30000.00} in overdraft fees. It started slowly but snowballed due to the fees drawing my balance down to where other checks and debits were also assessed fees. I was given phone # 's to call of people who no longer worked there. I was always given the hope the overdrafts would be reversed. I have later learned that if I had banked anywhere else I would no have incurred any of these fees. Due to the practice of posting debits in front of credits. In all of 2013 I never bounced a check. The money was there for both the checks and the fees. On XX/XX/2013 they closed my account at the same time charging more fees. Shortly after closing my account they accepted a {$6000.00} wire and held it for a week and accessing fees before they released it. 

I have tried hiring a lawyer but no-one will go up against Wells Fargo. I had given up hope before my nephew who is pre law gave me your web address. 

Please Help! I lost my business over this. 
XXXX XXXX XXXX

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