vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Around XX/XX/XXXX or XX/XX/XXXX, I banked with Wells Fargo in XXXX, Az. I had checking, savings, and credit card accounts. I was a college student and my tuition status changed from out-of-state to in-state and so the amount of my financial aid checks significantly increased. At this time, I thought it would be a good idea to try to build credit history by putting a number of charges on my credit card and then paying it down when I received my next financial aid check. 
However, XXXX semester, after I had made a large payment from my checking or savings account to my credit card account, I noticed there was still a lot of money in my checking or savings account. I went to the Wells Fargo at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and asked a bank representative where this money came from. I was told that since I had made a credit card payment that far exceeded the minimum payment, some of my payment was put back into my checking or savings account. I did not complain or ask that it be reapplied to my credit card account. 
At the time, I was not aware that cash advances carried a larger APR than purchases. It was some time afterwards that I realized this and recalled this incident. In XX/XX/XXXX or XX/XX/XXXX, I began requesting from Wells Fargo credit card and bank statements from that time period around XX/XX/XXXX to XX/XX/XXXX. I do not recall exactly when the incident had taken place and, after examining the statements, I still could not narrow down when this cash advance had taken place. At this point, I had been paying interest on hundreds of dollars of cash advances. 
It was around this time that I noticed that my credit card statement no longer showed a balance for cash advances. To this day, I have a XXXX balance for cash advances. 
I have been hesitant to bring up the whole issue with Wells Fargo for fear that the cash advance balance will return to my credit card. I do not know how much interest I paid over the years for the cash advance balance so I do not have a dollar amount that I am looking for in compensation. 
Also, Wells Fargo has asked a number of times if I would like to close the credit card account and open up a line of credit at a lower APR. I have been hesitant to do this as well, as I am unsure if that will erase any records of all this. 
Like I stated above, there is not a dollar amount that I am looking to be compensated. My intention in writing this is to inform a regulatory or consumer protection agency of this incident, in case it has happened in the past or is still occurring, and to find out if, by closing my credit card account and opening up a line of credit, it will somehow erase a record of these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wachovia closed my checking account and issued me a cashier 's check for the balance left in my account just before their merger with Wells Fargo so when I tried to deposit the funds into my Wells Fargo account the checked was returned and when I checked with Florida state to see if the funds were escheated to the state nothing is listed these funds belong to me and Wells Fargo is refusing to honor the check

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 2016-09-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Wells Fargo : Yes, I did receive your letter dated XX/XX/2016 ( scanned & attached on here ), but I did not receive a letter earlier dated XX/XX/XXXX as you stated. I 'd like to reiterate that I did not have nor receive your written communication XX/XX/XXXX ; therefore, I was shocked to learn that Wells Fargo had closed the account. 
While I understand but regret of your earlier response that Wells Fargo has the right to cancel or terminate at anytime, however I respectfully request that my earned points or cash credit from uses of the card until XX/XX/2016 can be redeemed since I had had no knowledge as to why. Although Wells Fargo chose to close or cancel the account as wish at anytime, I regret that I had no known earlier reason ( s ) and hope that Wells Fargo could reconsider to reopen the account, or at least fairly allows customer in my situation to redeem the earned credit as of the closing date. 
Thank you for your consideration and cooperation. I look forward to a fair resolution. 

Sincerely, XXXX XXXX

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 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo fraudulently " forced-placed '' flood insurance on my personal residence resulting in my having to pay thousands of dollars unnecessarily. The living area of the home is NOT in the floodplain, in fact is XXXX feet above the contour line of FEMA 's " approximated '' flood map. Having complained multiple times to branch managers and regional directors, I was told only " to have FEMA change their map ''. 
Riiiight. FEMA, really? As an engineer, I actually tracked down the paperwork to do so. Onerous is a massive understatement. It would have cost many thousands of dollars to prove a point easily observed by the topo map of my house ( which I do have ) then comparing the topo with the FEMA flood contour map. Wells Fargo LOST a class action suit related to forced-placed insurance recently. I chose not to participate since I intend to file suit myself if they refuse to refund every dime paid for flood insurance at XXXX XXXX XXXX XXXX in XXXX, Texas.

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 2016-09-16 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I missed a phone call by a week and they garnished my entire paycheck. Wells fargo personal credit line. the XXXX XXXX guy is unwilling to work with me and treats me as if I am ignorant. They will not transfer my account to anyone else and say that he owns my account. He has no empathy. I am a single parent that is a sole provider for my family. I take care of my XXXX mother. I do not get government assistance nor do i get child support even though they owe over thousands of dollars. I am not asking for debt forgiveness, i was paying this based on the agreement. My initial conversation with XXXX was to setup a payment every 2 months and that payment may go up by XXXX dollars each time. I missed the call to setup this month, business of school starting, but I thought I was good - i just paid XXXX last month and XXXX knows my situation as he LIED and stated he knew exactly where I was at in life dealing with this because he experienced the same thing. LIES. That caused XXXX to submit me to charge off department and they removed my entire paycheck of over XXXX dollars. Unethical. My lights are going to be turned off. My phone is too. Not to mention the remaining portion of what I had left to take my kids to get doctor followups and remaining school items are all a scratch. My account is in negative now. Spoke to XXXX and he stated he will not reverse this and proceeded to ask me how I was going to pay the remaining balance of XXXX to which i handed the phone to the banker and had to leave before i broke down. I called the manager he reports to, XXXX XXXX and left messages for a return call. I called her back to back for a hour to no avail and no return call. I was working with you. Now I am not. I am also closing my account with wells fargo after many well vested XXXX years. I can not understand how you are not willing to work with me when i paid for the last 4 months on time. it was up in the air because i took more than a week to return a call on a payment that would have been due in the middle of the month. i have no idea what i am going to do. I am trying to grow., ..get off of government assistance and build credit. at this cost makes me want to go backwards in life. where is the love and where are these credit practices you say you implement on your website?

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 — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
From time to time, I try to cash a check from Wells Fargo and every time I need to show XXXX IDs, talk to an agent, listen to his solicitation speech ( " open an account '', " joint your husband 's accounts '', or both! ) and then I am allowed to cash the check. It is a waste of my time and I find it very intrusive. The check amounts are below {$500.00}, so it is not a safety issue, it is a solicitation hassle. This is the proof : I had to go today to the branch because yesterday, in the drive thru, they did not want to cash me the check. I offered the XXXX IDs but they still told me I had to stop by the next morning to talk to the agent! I have to always answer if I have an account with them and if not, if I am want to open one. I do n't want anything but cash my check in a simple, speedy transaction!

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: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: ID

Complaint narrative:
Case Subject : violation of TILA ( Pub. XXXX ) Case Description : On XXXX XXXX, 2016, {$1200.00} was transferred from my XXXX checking account to my Navy Federal Credit Union checking account via ACH funds transfer. When the funds arrived in my Navy Federal Credit Union checking account on XXXX XXXX, 2016 ; I found nothing was in my checking account, after trying to purchase some groceries at a local supermarket. Navy Federal Credit Union had XXXX pirated XXXX the funds that were in my checking account ( at the time : {$1200.00} ). [ In violation of 12 C.F.R. 1026.12 ( d ) ]. I called N.F.C.U. multiple times to resolve the issue, but was told to speak to someone in a different department, or that they could not help me. I was finally able to speak to XXXX different " managers '' in XXXX different departments ( checking and credit cards ). Neither was willing to work out this issue. If it had been their sons ' it would have been a different story!!! 
I requested the checking account Manager to provide an audit of the account per G.A.A.P or XXXX. conventions on acceptable accounting practices, which the account manager flatly refused and said " you are repeating something you read off the internet. ''!!!! A " consensual '' security interest in the account was not granted or intended, nor was I AWARE of granting such security interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I applied for a XXXX XXXX Credit Card with Wells Fargo Bank. Rather than receiving the card I applied for, I received a different one with far less advantages and that I had not applied for. When I called to inquire as to the reason I was told that my XXXX credit was in the XXXX and thus insufficient for the card I requested. 
Today I have checked all my XXXX reports and none of them is below the XXXX. 
This same credit card switching practice happened to my husband about 2 months ago

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo stopped accepting my payments as of XXXX. I went to the branch and they would not accept the payment. I feel I am at risk of having my home taken from me as I fell behind but tried to keep up and for the past year, have had a XXXX way communication as I have not had a personal reply, only generic letters offering to help. 
I do n't wish to have a modification as I have a low interest rate, I just need time to catch up or a forbearance. I have made payments since 1993 and have a lot of equity so that is why I believe the bank has stopped accepting my payments. 
This has been very stressful and especially in the past month not knowing what is going to happen. I have called but always get transferred around and I also had my daughter call but they said there is no authorization. I had sent in an authorization a long time ago, and most recently sent another, which I have attached. I am beginning to feel this is discrimination as I am a senior citizen as well as XXXX! 
I also contacted the Board of Directors for Wells Fargo and still no reply. It seems that, that is their way of doing business. I have for the past year sent corresspondence and all I get are generic letters advising they can assist with XXXX programs. Well I have asked, I need a human person to reply and address my specific concern!! Although, today we were told that it was best to fax the documents instead of mailing. GO figure! 
I need assistance to not lose my home and have the bank accept my payments and get back on track. Also not rack up made up fees for attorneys! I appreciate your assistance 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 2016-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To Whom It May Concern : I am writing this letter to complain how Wells Fargo Loss Mitigation Department displayed unfair and deceptive practices by auctioning off our home that we have been at for 14 years on XXXX XXXX, XXXX. Without any notices, we then became a statistic as one of the millions of struggling homeowners in America who this has happened to also. Unfortunately, due to the economic downfall and lack of employment in XXXX, we found ourselves unable to pay our mortgage that just got too unaffordable to manage. 
Sadly, in the end, Wells Fargo loss mitigation representative that was assigned to our loan case would ignore all phone calls/emails and our request to be analyzed for a second loan modification loan that I know we were entitled to receive as struggling homeowners. 

We did not get a chance to fight back. We tried to get help in XXXX and no attorney would look at our case without upfront money first from us and we just did not have that extra cash. We are still in our home currently today but not as owners but as renters. The realtors who purchased our home at auction was nice enough to let us remain in our home. We today have had no choice to pay increased monthly rent just to stay within the same school district for my XXXX boys. 

I have all documents starting from our first loan modification loan with Wells Fargo and can show any attorney or whoever will help us to get back what is rightfully ours. 

Please do not hesitate to ask us any questions and we pray that you will consider us for this house that we love. 

Respectfully, XXXX XXXX XXXX

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 2016-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union incorrectly deposited escrow funds of into an account without verifying that my name was attached. I have contacted them on multiple times and even submitted a letter to Supervisor of Escrow named XXXX but nothing has been done. I still have not received any monies. I asked if they could put a freeze on the account until we get this resolved and I was told NO. I was told that I had signed a form at my closing and according to the form they followed procedure. I was puzzled because my closing was done at another Title company in which I had asked about the escrow funds. After calling and speaking with XXXX different people with an hour on the same day in Escrow dept I was then informed the form signed was done in XXXX. The representative apologized stating that the form should have been updated prior to releasing the funds since my account was noted for DIVORCE, she then transferred me to the Supervisor named XXXX. XXXX reviewed the document and also apologized and stated she would try to reverse the funds but after being on the phone for about 30 min she stated unfortunately she would have to send this issue to her superior. She then asked if I could email a letter to her of all the conversations I had with Navy Federal regarding the escrow funds so she could attach with it the information she was sending. I called XXXX to XXXX to confirm receipt of the letter and she stated she received it and that I should hear back from XXXX of her Managers to resolve this matter. 

I questioned the escrow funds that I Prior to selling the property in XXXX XXXX, I inquired about the escrow funds when I requested the XXXX Payoffs in XXXX explaining that I was divorced and all escrow funds should be sent to me. I explained that due to a divorce, I was awarded the property and had been paying mortgage and taxes for the past two years. I asked Navy Federal if I needed to send them copies of the divorce decree and was told NO because they do not honor divorce decrees. Out of all the monthly phone calls and Payoff requests no one from the institution mentioned to update a Navy Federal Suppression document. 
As of date, I still have not received any escrow funds owed by Navy Federal Credit Union According to court documents, I was to receive ALL escrow funds however Navy Federal Credit Union does not honor divorce decree and has failed to honor my portion of the escrow funds due. I have also requested a copy of the signed Suppression form and still have not received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had an account with Wells Fargo for XXXX yrs. I had a checking account with a savings account. On or around XXXX of 2015 I was on a XXXX in which I had {$2000.00} in my accounts. Some how I got a {$5600.00} charge and knowing I would have to work out a settlement with the cruse line. But Wells Fargo completed the transaction causing me to be over {$3600.00} in the negative. I had no money in over draft protection and in the past if I had a {$100.00} pre authorized payment and only {$90.00} in my account it was declined. ( always ). Never have they paid any transaction if I did n't have the funds available. 
I went to speak to my branch manager he called the main office and they to him it was a mistake on there behalf but nothing they could do nothing about it. 
Resulting in closing my account and keeping me from being able to have a checking account with any financial institution. 

This type of business is unjust. 

Thank you for your help in this matterXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I took out a credit card through Wells Fargo to purchase furniture at XXXX XXXX. I was lead to believe that the payment schedule set up in the store would satisfy the payoff requirements to take advantage of the no interest loan over 12/18 months. This was not correct and when the balance was due I could n't afford the balloon payment and was charged back interest at a rate of 28 %. If I had known that the payment schedule set up for this loan was insufficient, I would have purchased less. In fact, I tried to purchase less and the XXXX XXXX employee said he restructured the loan so that i would only be paying XXXX a month. He assured me that this payment schedule would satisfy the no interest loan requirements. This has put me in a very difficult situation and I feel that I was seriously mislead by the individual at XXXX XXXX. I have contacted both XXXX XXXX and Wells Fargo and they have told me they are unwilling to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied for a Loan Modification with Well Fargo ( WF ) due to extreme hardship. They denied me based on false income information. Even though they had copies of my pay stubs, they ( WF ) decided to increase my monthly income by {$1600.00} so that they could denied me a Loan Modification. I will attached a letter that explains more details.

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