vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My parents have XXXX certificate shares accounts managed by Wells Fargo ; XXXX account is a single account in my deceased father 's name and the other is a joint tenant account. I am currently the Power of Attorney over the joint accounts and I am trying to move the accounts into the family trust. My mother is very sick and we need to access the money to pay for caretakers. Wells Fargo is refusing to issue the medallion stamp required to make changes as we do n't have an account with them. They sent me to my bank, XXXX XXXX XXXX. They no longer issue medallion stamps. Their affiliate, XXXX XXXX, will not issue a medallion stamp as I do n't have an account with them and would need to have an account for 6 months. I called Wells Fargo again today and was told the medallion stamp is necessary so they " wo n't have to deal with the extra paperwork and I would just have to comply with the other agencies requests/guidlines. '' I explained my mother is very sick and I feel she is being denied access to her money so she can pay for the care she needs. She will be dead by the time six months is here and then the accounts will go into probate costing the family even more money. I was advised to keep making phone calls and find someone. They are not flexible. We are being denied access to our own money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My checking account with Wells Fargo Bank , N.A . ( Acct XXXX. XXXX - Account Name : XXXX XXXX ) has been charged {$14.00} for a " Direct Connect Fee '' that shows up on my statement as a XXXX Banking charge from XXXX/XXXX/2014 to date. I never used this service and was enrolled in error. When I try to complain to Wells Fargo, various telephone transfers move me from XXXX department to another with no one taking responsibility to correct the problem so I ask for a physical mailing address and they REFUSE TO GIVE ME A MAILING ADDRESS.

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 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I needed an easier way to get a list of electronic Fund transfers to my bank for my staff. I spoke with Wells Fargo. They presented me with a service that would be {$400.00} to {$700.00} a month. I stated it costs too much for the benefit. The following year I found that wells increased my monthly service charged and I contacted my business service person and he gave me his assistant ... ... months went by and I would have to initiate the conversation every month or so and finally said I was going to get an attorney involved. In the end thye stated I gave them verbal permission on XXXX XXXX ... when I asked for proof because I highly doubted they did not provide ... my business agent said he credited the account but t but I am not sure how much we really lost. I have received multiple credit cards for the account also. I still have in my possession. Another issue is I scan in desposits and I would receive letters months later saying there was an error and they took the money out of my acct to correct. However I have a staff member add it up and I input the bank system accepts only if it adds up so I am not sure how the mistake would take place ... 

I hope this helps others to come forward ... .These issue seemed intentional that is why I am posting.

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 2015-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX/XXXX/2015To : Whom it may concernFrom : Wells Fargo CustomerPlease be advised that if you deposit a check into your Wells Fargo Account, they ( Wells Fargo ), has the authority to place a HOLD. A hold is just what it means, hold, in short it will not be available to you to spend, they can hold it for a day, week, and longer. 
Do n't worry if it 's a {$20.00} check it will most likely run its course and will be ready for your use within a day, or sometimes that same day. 
Summary ; I made a deposit on the XXXX of XXXX, Wells Fargo placed a hold on the check until the XXXX of XXXX, not a big deal but it is a little more than {$3000.00}, I need this money to pay bills such as health insurance, utilities and so on. Mind you that Wells Fargo cashed the check and have withdrawn the amount from the bank from which it was wrote. The individual that wrote the check I had called her and asked if she had put a hold on the check and she said no, looked it up on her account and Wells had taken the money from her account on the XXXX of XXXX, 2015. 
Although Wells Fargo is legal in what they are doing but think holding a check for weeks is not right, they are using my money while I sit here and ca n't do a darn thing about it but wait. My insurance will be cancelled, power will be shut off, do n't have money for groceries, pay credit card and so on, this is unreal, banks although legal, and they are greedy and not very responsive to customer needs. 
In short you are at their mercy until they decide the time is right, one would have to assume they must be cooking their books if they need to place holds on checks so they can use the money for their own issues. 
I can only recommend you do n't deposit large checks into any Wells Fargo checking, and or savings account. You may not have access to this money until such time they ( Wells Fargo ) can reconcile their books. 
Last note my account is in excellent standing, and have never had a bad check deposit! 
Very Sadly, Well Fargo Customer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
To whom it may concern : I opened a Wells Fargo Everyday Checking in XXXX 2016 online as there are no branches near where I live and my son ( an existing Wells Fargo customer ) told me that there was a promotion that Wells Fargo was running. Given that Wells Fargo is XXXX the strongest banks in the country, I thought it was a good opportunity to open an account and start a relationship in case I needed future products like credit cards or mortgages as well. 
I subsequently received my account number, debit card and debit card PIN in the mail. I returned the required signature card after I signed it as well. 
However, there is a fraud alert on my account which I discovered after I could not sign up for online banking successfully. When I called into the fraud department on XXXX XXXX, 2016, I was not given any help that was even remotely useful. I was told that I have to go to a branch with XXXX forms of ID. I do n't live near a branch ( the closest branch is about XXXX miles away ). 
Attached are my driver 's license and passport to verify my identity. 
Finally the bottom line is that if you are n't going to be helpful and clear the fraud alert and allow me to set up online access to my account, then just close my account and return the {$50.00} that I funded the account with as soon as possible. I had such a poor experience talking to your fraud department that I have no interest in calling in to speak to anyone at Wells Fargo. Otherwise you are illegally holding my money. Also, you should stop wasting people 's time if you are going to put fraud alerts on their accounts without giving them a proper ability to clear them. Do n't bother letting people open up the accounts online then if they do n't live near a branch if that is how you are going to do your fraud alerts. That is very easy for you to set up and would have saved both you and me all this trouble. 

Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank violated our Constitutional Rights , Consumer Rights , Civil Rights , Economic Rights, as well as our very own Human Rights. 

We were going through financial hardship, we requested a refinance. The refinance would have solved our entire financial hardship, as we paid our loans down by making additional payments, the interest rate was low as well as the loan to value ratio was perfect. Instead, Wells Fargo Bank gave us hard time, did not apply payments as The Courts ordered Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 

Yesterday, I received an invoice from XXXX requesting a payment. Please see attached Invoice along with an e-mail from XXXX XXXX. Wells Fargo Bank is hoping to deceive us again, in paying those expenses as they have deceived us in the past, and led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed hundreds of thousands of dollars to pay for those expenses, to discover later on, that Wells Fargo Bank sold our notes to a client of a tenant in the Wells Fargo Bank Building. Also please see attached COURT ORDER directing Wells Fargo to pay the expenses and apply our monies to our promissory notes which Wells Fargo have violated and did not even apply our monies to the SBA note. 

Also please see attached supporting documents of some of the expenses paid on behalf of Wells Fargo as well as documents supporting our effort to get alternative financing, paying for title search, closing cost, etc. Whereas Wells Fargo Bank/loan servicer did not provide us with an accurate loan balances. Instead the loan servicer provided us with inflated figures that exceeded the loans by XXXX dollars without applying our credits. I have also attached a copy of some of the rent Wells Fargo admitted to collecting. Please note that there is much more rent was collected by Wells Fargo. 

Now in our XXXX, after we put all what we have earned to pay down our obligations, to secure future for our family ; Wells Fargo Bank robbed us of life itself, robbed us of everything we earned, robbed our investments and continue to robbing us of the dividends on our investments, an ongoing crime that need to be stopped, by Wells Fargo returning all our properties back to us, with free and with clear title.

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: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XXXX of this year, I received notification from my bank, Wells Fargo , NA, that my safe deposit box fees were increasing from $ XXXX to $ XXXX ( minus a {$5.00} discount, to total $ XXXX. I inquired on line with their customer service as this was more than a 40 % increase and I had not changed the size of the box. My reply from them on XXXX XXXX, 2015, was that they could not help me but to contact my local branch. I went to the local branch and was told by XXXX of the tellers that they had not heard about the increase in fees but I should speak with the branch manager who was out that day to see if there was anything they could do. They promised to have her call me the next day when she returned. I waited several days but she did not call me. I went to the branch about a week later and said that no one had called me. They promised to have her call me again. I never did hear from her or anyone else from the branch. I would like to know if this experience is typical and can banks charge these outrageous fees with no recourse to the customer other than moving my business? I am seriously considering moving my business but my credit union has a six month wait list for new customers lock boxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My husband and I reach out to our servicer when we received a notice of garnishment in the XX/XX/XXXX. We ask for a temporary forbearance and to pay interest only payments until the garnishment was completed. We were immediately denied a special forbearance, and was encourage to apply for a loan modification. Since XX/XX/XXXX we had apply & denied XXXX times and requested an appeal on the last then was denied on appeal. The reason for denied make no sense. The XXXX denial was because we did not make enough income then the XXXX time we made too much. The XXXX time we was told that our expenses were within program guideline and was restated in the appeal process. At every point of communication the representative or the negotiator would encourage us to perform short sale. We did our research and ask for a Harp option and was told we do n't quality for this program. We find out later that this servicer does not participate in the harp program. We believe that the servicer along with the investor have not intention on helping us reinstate our loan. Example at every point of contact, the servicer has stated that the order to dismiss the foreclosure was sent to the lender 's attorney on XX/XX/XXXX. The lender 's attorney has denied receiving a notice at the XXXX 's hearing to dismiss the foreclosure. When we asked the attorney if he contacted ASC or the contact the negotiator with the information we filed in court records ; he stated no. We believe that the servicer agreement with the investor entitle the servicer to retain all late fees and fee require to mitigate the investor 's loss. We believe part of the fees that the servicer retains is link to the XXXX failed loan modification. If the servicer receives any compensation from the government for processing the loan modifications then it may be a conflict of interest. Base on our failed attempts, we believe the servicer and investor had misrepresented their intents and have conspired to abuse the government home retention program as well as mortgage insurance program. We ask CFPB to step and investigate first if the servicer acted in good faith and to see if they have a similar pattern with other failed loans. Time is at an essence, we go back to court this month to determine if the lender with be granted a judgment. Do to the servicer willingness to help us before we defaulted, our credit is bad and we will be unable to get a new loan. Our goal is to keep our home. Please step in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I had a delinquent loan with Navy Federal Credit union. I was repeatedly called and threatened with legal action, and notification to my XXXX XXXX. I was also locked out of my accounts, so making payments was not possible. I did not know this illegal debt collection processes until the recent case by the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Since I filed a bankruptcy on my medical bills, Wells Fargo is not reporting on my credit report. I did not file anything that had to do with Wells Fargo in the bankruptcy. Plus, the bankruptcy was finalized in XX/XX/2012. Wells Fargo is stating that they will not report on me for the remainder of our loan, which is 28 years from now since we recently refinanced. I can not get approved for a loan because of this.

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 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
First, the only complaint I have about my bank, Wells Fargo, is that they will not pursue these criminals legally. Otherwise Wells is very good about returning the funds. 

I received a {$180.00} fraudulent charge that shows on my statement as " PURCHASE XXXX XXXX XXXX XXXX CA XXXX ''. I called the number and it is a message representing that one has reached XXXX, but it is not XXXX! I XXXX it and they have been fraudulently charging a lot of people. Fraud of this size warrants investigation. How hard is it to find an address on these people through a phone company? Show up on their doorstep, arrest them and stop this fraud. 

Please put a stop to this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We finance a bed bought at XXXX in XXXX 2014. We return the bed and upgraded to a different bed in XXXX 2014. Originally there was no interest for 3 years. Since we returned our other bed and upgraded to a different bed, there was a additional cost of {$610.00}. finance for 6 months. 
Wells Fargo does combined billing on XXXX statement which is confusing and a little deceitful to the consumer, so now we are having to pay finanace charge on the 6 month portion. If we would have known, and the billing was billed separately, we would have paid that part off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo, servicer on my primary home mortgage, has made repeated, unauthorized hard inquiries just months apart that have affected my credit score. I have never been late on a mortgage payment in the eight years since the loan originated. I did not apply for a refinance or modification of the loan, although I have received numerous calls and letters from Wells Fargo suggesting that I do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, America Service Company ( ASC ) which is owned by Wells Fargo Bank N/A stated that Wells Fargo in the investor of the loan dated XX/XX/XXXX, loan # XXXX. Now, per a letter that we received form ASC on XX/XX/XXXX, dated XX/XX/XXXX, ASC stated ; " resolution to the inquiry about account number XXXX, based on our research, we 've determined your account was handled appropriate and no adjustments are needed ''. ASC further stated " that we can confirm that your account originated in XXXX XXXX with XXXX. The loan was paid in full on XX/XX/XXXX ''. Now ; how can ASC/Wells Fargo state that our account was handled appropriately when XX/XX/XXXX, this note was paid off but ASC/Wells Fargo failed to reflect that this note was paid in full and that Wells Fargo is not the investor? ASC/Wells Fargo stated in a previous letter that they are the current investors of our loan when in fact, they are not the current investors. So, was ASC/Wells Fargo trying to commit fraud and collect payments on this loan when they are not the current investor?

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 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo is admitting that they screwed up. XXXX has been updated and my credit score has been repaired. XXXX is still showing errors. Should be receiving paperwork from Wells Fargo on XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have been a customer of wells fargo/Wachovia for over 15 years and I have recently noticed many unfair practices by wells fargo. That has resulted in over {$800.00} worth of overdraft fees, in just the past 2 years as a customer. 

I have previous complained about my fees, which resulted in a {$200.00} refund of my fees, however since then this practices have not stopped. I have even since been charge additional {$100.00} in overdraft fees with the most recently being completely unfair. 

My previous complaint surfaced issues regarding Wells Fargo and their " holding '' of transactions. Wells Fargo is not ( no longer ) my main banking, so I deposit money into this account as payments post. However for the past two years ( could be longer ) I have noticed that Wells Fargo will HOLD my transaction until late in the evening. For example, my purchases would not post to my account until XXXX XXXX. Which is completely different from how XXXX XXXX XXXX and XXXX handles their checking accounts. 

Just recently on XXXX this same situation happen, I went to the ATM at XXXX deposit {$100.00} CASH to cover a - {$35.00} fee. This morning I have a overdraft fee of {$35.00}. How is this possible if cash posts same day? 

At this point I am requesting a FULL refund of my overdraft fees for two years of my 15 years of membership.

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 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliant Capital Management LLC
State: IL

Complaint narrative:
AALIANT WAS BEING SUED BY XXXX FOR UNLAWFUL HARD INQUIRY! THE CASE WAS DISMISSED, BUT STEP OVER THE LINE AGAIN BY CALLING MY WIFES CELL PHONE ( XXXX ) XXXX AND XXXX WORK NO. ( XXXX ) XXXX IN VIOLATION OF TCPA AND FDCPA.

Company response to consumer: Closed with explanation