vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We have a short sale approval from Wells Fargo. The approval is valid to XX/XX/2016. The Approval specifies " You, as the seller, must advise your settlement agent that they must contact Wells Fargo Bank , N.A . no later than 48 hours before the scheduled closing date and provide a copy of the final HUD-1 Settlement Statement. '' Closing was scheduled on XXXX and I provided Wells Fargo the requested items on XX/XX/2016. These items were emailed to XXXXXXXXXXXX ' ; XXXXXXXXXXXX ' ; XXXXXXXXXXXX ; XXXXXXXXXXXX I contacted Wells Fargo on XX/XX/2016 XXXX inquire on the status - I did not receive a response. I contacted Wells Fargo again on XX/XX/2016 ( one day AFTER we planned to close ) Wells Fargo finally responded and requested the closing documents that I already sent XX/XX/2016. 
The buyer is very upset that this has been delayed and Wells Fargo failed to process the final closing documents efficiently and put the sale in jeopardy.

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 2017-02-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I visited a XXXX XXXX XXXX in XXXX of XXXX. They asked for my insurance information and submitted the claim to insurance. Apparently, my insurance company did not pay any amount of the claim, so they handed the bill over to a debt collector. I never received a bill from XXXX XXXX XXXX before it was given to a debt collector. The first time the debt collector called me in XXXX of XXXX, I still had not received a bill. The debt collector tried to bully me into paying over the phone. I told him I was uncomfortable giving my credit card information over the phone, especially since I had never received a bill. He was very aggressive and finally I had to hang up on him. The bill arrived to my house about a week later ( on a Saturday, XXXX XXXX ). The following Monday ( XXXX XXXX ), he called me 4 times while I was at work. I did not take the call. When I got home that Monday evening, I attempted to pay the bill online using the Transworld Systems , Inc. website. The unique code they gave me did not work and stated that I had to call them to pay over the phone. Instead, I placed a check in the mail. I do not believe it is appropriate to involve a debt collector before a patient has even had an opportunity to pay the bill. I never saw a bill from XXXX XXXX and only received the bill from Transworld Systems , Inc. after being harassed on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo continues to re-order transactions and delay deposits on my checking account. I reported them to you months ago with no meaningful action taken. Due to these corrupt banking practices to increase revenue for Wells Fargo through late fees, I go negative or I can not maintain a minimum balance in that account. Now, Wells Fargo is taking that information to try and reflect that I am financially irresponsible and applications for credit have been denied based on this slanted information. My non-traditional credit score is also determined by my bank account history. Not only have they made hundreds, if not thousands off of late fees due to re-ordering transactions and delaying deposits but now, they are ruining any chance I have at building credit or obtaining a loan. At what point is a banking institution truly held accountable? Never? How many fines has Wells Fargo paid for this very practice in different states? The answer is XXXX. Yes, I can leave the bank but the damage their practices have caused will follow me. I am revolted by the sheer lack of inaction and carelessness. Wells Fargo is preying on those most financially vulnerable in our society and nothing seems to stop them. I 'll leave you with a final thought, at what point, do the American people lose all faith in banking institutions because the corrupt are rewarded again and again for their corruption?

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 2016-09-08 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 asked Wells Fargo to cancel a savings accounts that I did n't need. They were created after they automatically changed a savings account to a checking account. They converted my unwanted checking account back to a savings account. However, they also created another savings account at the same time. So I now have XXXX savings accounts that I do not want. XXXX is a business savings account. I went into a bank branch and asked them to remove the accounts and they said they did. I still have all of the accounts several months later.

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 2016-10-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo sent a check to me at an old address, noting that " a recent quality review '' revealed that I was " owed a refund for certain fees paid on '' an account that they reference. The check and account are in the name of " XXXX XXXX or XXXX XXXX ''. I do not know any XXXX XXXX, and I have not had an account with Wells Fargo since I was a college student in the early XXXX. I believe that my information was used fraudulently to open an account, possibly with this " XXXX XXXX '', and want a full review of 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 2015-05-11 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The original creditor, Wells Fargo Bank, sold my debt to a collection agency, and I paid the debt in full in 2011. The agency correctly reported the amount paid in full to the credit reporting bureau - however, the original creditor shows the debt as owing and 'late. ' I contacted Wells Fargo and they refuse to remove the debt from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In receipt of the latest correspondence and again duplication of the same information WFHM continues to send in response to my submissions to the CFPB. XXXX XXXX sent the latest outline of her findings, in which she states that we 've carefully research these matters and are providing you with an update on our research. It 's as follows : 1 ) Communication within WF 2 ) Requests for compensation for late fees 3 ) WF commitment to customers 4 ) Payment history 5 ) Chapter XXXX bankruptcy reaffirmation 6 ) Credit Reporting 7 ) Status of account 8 ) Written communication only 9 ) Savings account concerns She ( XXXX XXXX XXXX, further states, we previously responded to ( most ) of the above concerns in the past, we are providing this response in summary of all information requested in lieu of a letter indicating all of the prior enclosures, per your request. 
These are generated and recycled responses and made with no documentation attached, which I have received since holding the loan. My goal is for WFHM to produce to the CFPB written documentation ( clear and concise ), detailing my correct payment history that corresponds with my attached bank statements and written documentation sent to XXXX XXXX and the NC courts detailing reaffirmation. This details my request to CFPB ; 1 ) Written documentation of my correct payment history 2 ) Written documentation of reaffirmation sent to XXXX Law Office/NC Courts 3 ) Written documentation of reporting my mortgage to all credit bureaus 4 ) Written documentation of money taken from the savings account prior to closing 5 ) Written documentation of WFHM grace period policy 6 ) Written documentation of how my cash payments were applied when I personally walked into the WF branches and made payments ( time stamps, dates, persons whom processed the payments, etc. ) 7 ) Written documentation and assurance that no accounts were opened in my name 8 ) Written documentation of any interest gained on the money WFHM accrued while holding funds and not applying them directly to my mortgage It is my hope that I have clearly and concisely outlined any and all concerns of requests the CFPB and myself would like answered.

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 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Has taken a legal order fee from my personal Checking account without prior notice or notification. No mail or call or email. There is no proof to me they have any letter to do this. I 've asked in person and over the phone for a copy of such letter and they respond with " We will mail you a copy '' but they never do. 

This is not the first time they do this and all the other times I had to call and bug everybody to get it back. It is exhausting. They wo n't even instruct me on what 's the next step ( call who ever requested the legal order on my account, asked them to give you a letter to reverse this, etc ), nothing. 

I 've called the Wells Fargo franchise and then the legal department and they say they ca n't reverse it because it 's an order and they have to take money but what is so convenient for them is that they only take their {$120.00} dlls fee. Nothing more no other moneys just their fees. On a printscreen Im including youll see it does n't explain and it only says : " LEGAL ORDER FEE DEBIT CASE # XXXX ''. 

After I asked why, and who, I ask why are n't they notifying prior to taking the money ; are they looking to overdraft my account with their fraudulent takings? YES, it 's a fraudulent act when they do it without prior notice and I 've told them that. I asked them to reverse the transaction and to return my money till they notify me properly. They declined. 

I am requesting my money back to my account and I want to close my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am steady receiving harassing, threatening, abusive telephone calls, and death threats from Wells Fargo Bank debt collectors for a debt and checking account that do not belong to me. I have never applied or opened a checking account with Wells Fargo Bank. The checking account was opened in my name illegally and fraudulently, because someone stole my identity and personal information. I am a victim of identity theft.

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 2016-05-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX/XXXX/16, XXXX XXXX XXXX received a call from and was informed that the loan was eligible for the XXXX Lien Modification Program, Extinguishment. XXXX XXXX, from Wells Fargo, advised that a package was being sent to me with the information and document needed to fill out. For two times, XXXX XXXX XXXX spoke with XXXX XXXX where he would ask for the document, but the package had been sent to the wrong address, twice. On XXXX/XXXX/16, XXXX XXXX XXXX told XXXX XXXX that if only the XXXX was needed, it could be printed out and sent. The XXXX XXXX advised that on XXXX/XXXX/16, I was going to the office to sign the document. XXXX XXXX, from XXXX XXXX XXXX, specifically said to XXXX XXXX that the form was going to be sent out on XXXX/XXXX/16. So, on XXXX/XXXX/16 the form was sent and received by Wells Fargo as promised. 
Around the end of last week I received a letter from Wells Fargo dated XXXX/XXXX/16, saying that I do not qualify for the program because I was non-responsive. 
First of all, this is the first time that they have my address right ... only to say I do not qualify anymore ... how convenient! 
Second, how was I non-responsive? They sent the package to the wrong address twice and we sent the form the exact date we promised to send it. 
XXXX XXXX, from XXXX XXXX XXXX, called to find out what is going on with the account. She was told that : 1 ) the XXXX was incomplete -- I will let you judge if there is any missing information on the form. There is only XXXX borrower on this account and everything is filled out. 
2 ) that calls were made out to XXXX, and that someone spoke with her several times and she knew about the incomplete form. That is all a lie. After she submitted the form on XXXX/XXXX/16, she did not speak with anyone else. We are the most interested in solving this issue. But of course, it is not in the best interest of the servicer. 
3 ) the representantive on the phone ( XXXX from the Recovery Department ) stated that right now the full amount is due on this account. However, she still tried to get information regarding payments, asking if the borrower was able to make some payments of at least {$50.00} ... knowing that this amount was not going to cover the whole amount and it will just put at least some money into the servicer 's pocket. That is just wrong! She even said if the borrower could make a payment for them to try to solve the issue regarding the letter I received, as if I needed to make a payment for them to do their job. They are trying to collect money from a borrower that qualifies to get this loan forgiven. 
This is all a scheme to continue to perform fraud against us the homeowners. I am turning to you for help. 
Thank 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 explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
In XXXX 2016, I contacted my mortgage company, Wells Fargo Home Mortgage, and instructed them to start automatic payments for my next payment. I was told that it takes a full billing cycle for it to take affect. Given that the request was after my XXXX payment, my next full billing cycle was XXXX meaning that XXXX was when the automatic payment would take place. In XXXX, I paid my mortgage payment manually as I was instructed to do. Wells Fargo then proceeded to take an automatic payment out of my Wells Fargo checking account despite being told that this would n't happen until XXXX. This overdrew the checking account which caused a cash advance/overdraft protection transfer to occur from my Wells Fargo Credit Card. The process to reverse the payment was very time consuming and frustrating and I was told that the credit card department had to reverse all of the interest and fees associated with the overdraft transfers. I contacted someone at credit card and explained the situation and was told that there was nothing they could do since it was n't a bank error ( despite the fact that the ACH claim against the auto payment said otherwise ). I escalated to a supervisor who said they would reverse the charges. She reversed XXXX of the XXXX charges and did not adjust the interest. I contacted the bank again and was told that, again, it was " not eligible for reimbursement. '' I escalated to management again who said the same thing. I finally escalated past that point of contact to another manager who finally agreed to reimburse the overdraft fees. This entire process took over a month to resolve and I was told time and time again that, despite having notes on my bank account AND an approved ACH reversal, that it was entirely my fault.

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 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We have been in default and trying to refinance our mortgage for several years now. Our most recent attempt resulted in a letter from Wells Fargo saying they do not have the authority to offer a HAMP modification as servicer to our mortgage. Wells Fargo was the original note holder and transferred it into a trust held by XXXX XXXX XXXX. Both Wells Fargo and XXXX HAMP are bound by the 2012 XXXX standards and must under law review our mortgage for a HAMP modification, however we believe they are attempting to use the TRUST to avoid this legal requirement. It is our belief that they intend to wait until HAMP has expired and then release the deed from the trust and then foreclose, circumventing their lawful requirement to offer us a HAMP modification.

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 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was in the process of obtaining a loan modification.. I received documentation that stated my review would be completed on XX/XX/XXXX ... On XX/XX/XXXX, I was received knowledge that my home was auctioned by the mortgage company ... I had no knowledge of this information, the last correspondence received was that my loan was currently being reviewed for a modification.. When I called to inquire about this decision, I was informed the mortgage company did n't inform the foreclosure department to hold my sale date.. My home was illegally sold and now I 'm in a position that I have no where to go ... This is truly unlawful, I also spoke with the real estate brokers who stated the same thing happened last year with the same mortgage company ... Something definitely should be done about this.. the reason I asked for a modificaton is because my husband died unexpectedly ... I have not received any assistance from the mortgage company just alot of running around and passing the buck without anything really being done ...

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 2016-12-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am making a complaint about Wells Fargo. I bank through Wells Fargo and wrongfully receive statements through the mail that contain my name, address, and account numbers. Although account numbers are XXXX out at the top, they are written in full at the bottom of the document. There are not proper safeguards around my account information because mail can be easily stolen. My credit card information is frequently hacked and I believe this may be part of the issue. Additionally, I have opted out of mailed statements ( they should be online only ), but Wells Fargo continues to send me statements by mail.

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: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Sir or MadamI am in constant amazement of your companies business practices. Attached please find a loan of a property I purchased in XX/XX/XXXX. The property address is XXXX XXXX XXXX XXXX NC XXXX. It is a XXXX bedroom condo that I purchased for {$110000.00} as an investment property through Wachovia. I have called Wells Fargo many times to this day to have this property loan NOT listed as my primary residence XXXX XXXX XXXX XXXX Florida XXXX. Many times when I call Wells Fargo they tell me there are too many numbers in my loan XXXX maturity date XX/XX/XXXX and it is not a Wells Fargo loan. They also list the loan as a Mortgage Equity Loan Statement! I then explain it is an old Wachovia loan and then they go oh! But do n't you think after XXXX you would have consolidated the loans and had proper Wells Fargo loan numbers attached to the old Wachovia loan numbers. XXXX things I need I was dealing with XXXX XXXX XXXX in your loan dept and I asked him for XXXX, XXXX and XXXX rates on my existing payoff of {$74000.00} and that they need to remove my Primary Residence off this loan and then that is when the fun starts. I then email him all of my information and he will not answer emails or phone calls. No one form Wells Fargo will call me back, answer emails or return any messages. Could someone please get back to me it should be an automatic refi, I have never missed a payment and I want to get my primary address cleared up and the North Carolina address for the property cleared up. I do not know whom to talk to as I have sat on hold for hours at a time and have been bounced around from department to department with no resolution. It should be an auto refi and go forward.

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