vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX of 2015 we received from Wells Fargo Bank an advertisement to refinance our home loan for 20 years at a fixed rate of 3.25 %. Being that refinancing would save us $ XXXX, our monthly payments would decrease, and we had 20 years left on our original mortgage, It would only make since to apply for the refinancing. 
We applied for the loan, paid the required fees and were told that the loan was approved. Wells Fargo Bank has now reschedule the closing of the loan XXXX times stating each time that they need more information from us, information that they have previously been sent. XXXX times I have been called back to my home from out of town to close only to be told the closing has been postponed. It appears that the bank is stalling with the offer that was made in hopes that we would decide not to refinance so that we would lose all money we have paid so far and also that since we applied for the 3.25 % loan it has now increased to XXXX and higher. During my last phone conversation I was ask if I wanted to stop the application process, but I would lose all the fees I had paid. Seems that something is not right here with Wells Fargo Bank. This process started in XXXX 2015 and it is now XXXX 2015. Looks to be a bait and switch or just a way for Wells Fargo to attempt to take ones money by hoping they will eventually give up on the loan application and forfeit all that has been invested in the application! I wonder how many others have been drawn into this scam?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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:
I had an ACH automatic payment that appeared on my account on Monday XXXX/XXXX/2016 in the amount of {$450.00}. When I checked my account that transaction had NOT posted to my account and was pending. I went to the bank and made a CASH deposit to cover the check. Both would have posted during the nightly update. I talked to two different employees and recorded two different answers. The supervisor I spoke with was XXXX XXXX who would not give her ID number. As you can see by the attached picture I have a {$0.00} balance which included the {$450.00} deposit. This is with ALL pending items.

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 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo has placed a bankruptcy on my credit report and Wells Fargo has reported I have been late on my mortgage more than 30 days which is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I was charged {$440.00} on XX/XX/XXXX for a balance transfer check. There were NO terms and conditions attached with the convenience checks that I received so the fee of 3 percent was not disclosed to me in advance. Also, the credit card in question was opened by Wells Fargo, not by me. Thus, I am not obligated to pay the balance transfer fee, and Wells Fargo basically refused to reverse it after discussing it with me over the phone today dated XX/XX/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 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I submitted a comlaint XXXX XXXX, # XXXX. I did receive a call the next day from the mortgage co. They promised to follow-up, but have not. In the mean time they have listed our property for foreclosure. We have not been given a clear reason as to why the loan modification was declined. The loan servicer who called was unsure why the underwritter dnied modification. We were told that a conference cll would be set up for us to speak with the underwritters. This has not happened. If foreclosure is the only option, then ok. But we have not been given an adequate explanation for denial or explained the appeal process or allowed to seek other options, i.e. short sale. It seems as if the mortgage company is delioberately not returning our calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed from the Internet of {$40000.00} from my Former WELLS Fargo bank account including my credit Card. The bank did nothing to stop these professional scammers from taking the money out of both by checking account and credit card. They made me believe that they were putting money in my account so I could sent it to their in-need relatives in XXXX. IN reality they were removing all the money from my bank account. The bank has denied all my requests for help. Now they want me to pay them over {$10000.00} for credit transfers I did not make.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a follow up to a previous case filed with the CFPB. 

In XXXX, XXXX the HAMP & HARP programs were being covered heavily in the media, so I called the number advertised to find out if our mortgage might be eligible for a modification. I soon found out that though our paperwork from Wachovia ( now owned by Wells Fargo ) said MORTGAGE across the top, we had a home equity loan which was not eligible. 

I contacted the State of Florida and not long after was contacted by XXXX XXXX from the XXXX office. By XXXX XXXX, things seemed to start rolling. We were formally switched in the Wells Fargo System to a mortgage. But it took them 2 YEARS to do the modification! 

We complied with every request and their " trial period '' payment changes. We were always XXXX month AHEAD in our payments. Never behind. Our payments sat in " unapplied funds '' for months. They even failed to pay our property taxes in a timely manner. Towards the end of the ordeal my husband and I received endless " robo '' collection calls to our home and cell phones. We must of explained our situation to over XXXX different employees to no avail. Calls were coming while I was sitting with my father in the hospital. It was extremely stressful! My husband and I finally stopped answering our phones after both completely losing our tempers with employees. 

I eventually filed a complaint with the Consumer Financial Protection Bureau and suddenly Wells Fargo was on it again. They finally modified the mortgage in XXXX, but I just do n't feel like it was handled correctly. My property taxes the past two years seem really off. I had a local accountant review the numbers and was basically told the accounting is n't anywhere close to be correct. 

My dad and husband both had serious health issues last year and into the beginning of XXXX which kept me from addressing this issue until now. 

We feel Fair Debt Collection Practices Act were clearly violated in our situation as we were being HOUNDED for past due money that was not past due at all, but incorrectly accounted for within Wells Fargo 's own system. I also found that XXXX Wells Fargo Bank sounds a LOT like our case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo never sent a bill for my {$31.00} payment for XXXX 2015. I looked for it. It never came. I moved and sent my new address to them on the other wells fargo bill that i had. They sent me a bill for the {$31.00} and XXXX charge and a {$25.00} late fee. It was due XXXX XXXX. I called XXXX XXXX, spoke to a lady named XXXX and told her how they never sent a bill then XXXX billed and gave a late fee. She said just send {$63.00} today and i will remove late fee. I gave my bank card numbers. It was paid. In XXXX Wells Fargo sent me a new bill for {$92.00} with a {$35.00} late fee and past due amount of {$21.00}. I called and a man from Wells Fargo told me that she made a mistake, the late fee gets deducted from the total amount and that i owe {$92.00}. I told him thats not fair, they never sent me a bill and almost {$100.00} for the month is a lot to pay for a bill thats only {$900.00} .He says well you can send XXXX now and the other before the XXXX. I sent {$40.00} at that time. They sent me a note asking for {$25.00} more. I sent a check for {$25.00}. They sent a new bill for {$100.00} charging a past due amount of {$52.00} and a {$35.00} late fee. I called the service says i owe {$83.00} by XXXX XXXX. I feel the late fees are unfair. why didnt they say the right amount in the last letter? What happened to XXXX bill? I should not have been charged late fees. All of this is on my credit report also. These increases and late fees are unfair. Can you help? Thank You XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
instead of lowering my payment when I got behind the bank got me a modification and raised my payments plus hassle me on the phone.

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 2016-03-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife had her cards lost or stollen. We contacted the banks we do business with, all of them EXCEPT for XXXX were super helpful. 

Wells Fargo kept her on hold for over an hour and ultimately REFUSED to suspend the card. We then requested to cancel the account to prevent any unauthorized charges, they refused that also. We spoke with supervisors and other groups, nobody could assist.

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 2015-12-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My Private Wells Fargo loan is literally theft. I have been unable to have a balance budget with a {$250.00} monthly payment along with all my other debts, bills, and living expenses. My city 's living expenses are going up, making it difficult on a bi-weekly basis to have money to eat. Also, making difficult to save money to pursue my passion of music, as it was reason for me to pursue a college degree and required this loan. Spoke with the Loans Consolidation department and the Loan Modification department to lower my payments, to only discover that I can not, because " I have enough income to pay their monthly cost ''. This is due to the fact that they do n't consider a few of my other debts as a recognizable problem ( e.g. XXXX XXXX loans ). I am in need to remove my co-signer, lower monthly payments and interest rates, so I may have more money for living expenses and money to support my music career. This way, I have the means to create a secondary income to further make it possible to take care of debts. This private loan is theft and the standards are too high, in order require to consolidate/refinance or lower monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a letter from Wells Fargo stating that my mortgage acct would be unavailable from XXXX XXXX due to them changing, not closing, my loan number due to new system and increased security. I paid my mortgage as I usually do when it became available again on XXXX XXXX, 2016. A few days later, I was looking at my credit report and noticed that my credit score had dropped. When looking into this, Wells Fargo had reported negative information to XXXX as my mortgage had closed or been transferred/sold. This is now listed as a " closed '' account and also a negative report on XXXX. I contacted Wells Fargo and explained this to them and they asked me to fax them the proof of the negativity, and I did. A few days later I was contacted by them and told they never received it, but I ensured them that I had the fax report that showed they received it. They explained it was the wrong number, even tho it was sent to the number they gave me. They now want me to resubmit to another number and then they will look into it. When contacting them I feel as if I am given the run around and nothing is being resolved. They continue to come up with obstacles to get this " resolved ''. It shows that I have two mortgages with Wells Fargo, one closed on XXXX/XXXX/2016 and one open, and I do not now, and have never had 2 mortgage accounts with Wells Fargo. Please help me get this removed from my credit.

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 2015-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Home Mortgage charged an inspection fee ( for an unknown reason ) in XX/XX/XXXX, North Carolina law had some requirements about fees such as this that Wells Fargo failed to comply with. Around XX/XX/XXXX Wells Fargo mailed a check for the amount of the inspection along with an explanation that they where refunding the amount of the inspection to get them in compliance of this law. 
Wells Fargo charged interest on this amount for many years although they did not refund any of the interest and upon requesting they do so they said they do not offer any interest on fees collected in error, their error ( or non compliance ). 
Obviously this company will not loan money at 0 % interest nor should I, they had the money for 7 years to do what they wanted to. 
Now because they sent a check they fee as if this brings them in compliance, obviously it does n't, if a person gets a speeding ticket because they where driving above the posted legal limit but prior to and after that complies with the law thereafter this does not absolve them of their non compliance with the law, that being said, Wells Fargo Home Mortgage must be required to tender payment for the amount of the non compliance along with interim interest from the date of their non compliance to the date of payment in full. 
This does not absolve them of any fines for violating the state law, it does relieve them from any legal action I may bring against them. 
I will table this matter for 30 days or until XX/XX/XXXX whichever comes later, if they have not tendered payment in full I will take swift legal action, it is in their bet interest to resolve this matter as I will advise my council to request any legal action that may be taken to include a request to have the matter considers a class action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
wELLS FARGO DENIED NY MODIFICATION STATING I DID NOT BRING IN ENOUGH INCOMEAND REFUSED TO TELL ME SPECIFICALLY /I HAD A DECREASE IN EXPENSES OF ALMOST XXXX DOLLARS PER MONTH .mY RENATAL INCOME ALONE XXXX PER MONTH WOULD COVER NEARLY ALL OF A HYPOTHETICAL NOTE WITH ALL ARREARAGES INCLUDED AT MARKET RATE .tHIS IS WROG I MAKE ENOUGH INCOME TO SUPPORT A MODIFICATION /I ALSO MAKE INCOME FROM A JOB .I BELIEVE THAT THIS WAS NOT DONE CORRECTLY .I HAVE RENTS OF XXXX PER MONTH AND AND AVERAGE MONTHLY SALARY OF BETWEEN XXXX AND XXXX PER MONTH.THIS IS UNFAIR AND HAS FORECED ME TO HIRE AND ATTORNEY TO BRING SUIT FOR A MODIFICATION AND FORCE ME IN TO A BANKRUPTCY SCENERIO.I WANT TO KNOW SPECIFICALLY WHERE AND HOW I DO NOT QUALIFY .HELP THEY ARE GOING TO FORECLOSE AND THERE IS NO WHERE ELSE TO GO.

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 2016-01-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
When buying furniture for our new house, we got a nice 60 month no-interest loan with Wells Fargo through the store. After setting up automatic payments, which for some reason took months to start, a representative told me that it was set to pay the full amount of the loan instead of the monthly balance so we cancelled it and I set up a new automatic payment for the monthly balance instead. 

The next month, after making manual payments the whole time, I called in to check if the automatic payments were in place. The representative told me they would start the following month. Because I had spent HOURS on the phone with Wells Fargo, I asked, " So if I make XXXX final manual payment, I will never have to worry about it again? '' The representative assured me that was the case. 

Two months later. My manual payment took care of the month in between but when I logged in to see how it was going I was charged a {$25.00} late fee because the automatic payment was STILL not in place. It was unbelievable! A Wells Fargo representative assured me this would not happen. I called in, escalated the call, and the manager did not care. He told me it was my responsibility to ensure payments were being made and that he would not refund the fee. 

Knowing that troubles like this would continue, I just paid off the loan. It set back some financial plans I had over half a year, but I knew I did not want to maintain that kind of relationship with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a victim of fraud by Wells Fargo Bank. My account ending in XXXX was supposed to be a Saving account and then it was turned to a credit card. The representative told me that it would be treated as a Saving Account. Instead I received a Master Card in the mail with a 15 percent APR. After reviewing the recent scandal with accounts, I am too a victim of fraud. My APR is now 25 percent and this is not what I initially was informed my {$5000.00} would be used for. I would like to be included in any lawsuit pending against Wells Fargo and I have closed this account. Additionally, Wells Fargo reps have violated Fair Credit and Reporting Law by negatively reporting this account late even though I disputed the debt. Additionally, they continued to contact me after I repeatedly told them not to contact me by telephone after reps were rude and disrespectful. I want this account off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Someone deposited counterfeit into my checking acct. and the bank honored them. The money was withdrawn the same day. They are holding me responsible for all monies withdrawn. They subsequently closed y account and say I owe them XXXX plus dollars!!

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 2016-05-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a mortgage with Wells Fargo Bank ( represented by America 's Servicing Company ). I am filing this complaint because I feel that Wells Fargo is, without good reason, blocking my efforts to secure a modification of my loan while not honoring their part of the agreement with the government. I am a former XXXX and XXXX. My over dedication to XXXX lead to my disenchantment with the educational system. After XXXX, I concentrated on my XXXX, causing a marked decrease in income. After about a decade of reasonable success, business started to fade and I was forced to go into bankruptcy. I went from earning over $ XXXX/year to a $ XXXX/month social security check. But I only do essential spending and with a loan modificationwould be able to keep my home. I only pay for food, gas, utilities, XXXX and XXXX medications, and bankruptcy payments. I have very good health insurance. I am presently trying to develop some home based businesses. But very little income has been established from those efforts. I have no family or friends from whom I can receive financial assistance. 
For the past 2 to 3 years I have had to pay mortgage protection organizations and a law firm to help me save my home. In my search for help, I often read that Wells Fargo will be difficult to work with and would cause problems when it comes to securing a modification. When I am interviewed by orginizations that might help, they warn me that Wells Fargo might cause trouble. The person handling my case with the law firm that I hired said that Wells Fargo declared that even if I still had my retail business, the bank was still going to foreclose on my loan. Because Fargo has a reputation of putting undue pressure on clients facing legitimate hardships, is the reason why I am writing this letter. Please help!!! I bought my home over 20 years ago and have done business with other banks.

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