vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
As described in Wells Fargo ( WF ) web site, as a customer I can see the statement for 9 years back, and other services that are important to me. However when I tried to see XXXX checks ( XXXX, XXXX, XXXX ) emitted in XXXX XXXX I was told that the rule of nine calendar years does not apply to the whole calendar year as long as the bank uses a rolling calendar. So, because my request was done in XXXX XXXX the checks are not any more kept. Thus, the information from WF web site is overstated and misleading ; in other words they do not disclose what exactly and how the bank does its business. I do understand that : i ) is not for me to decide how the bank does its business, but it is my right to be clearly informed what I can do in relation with my statements and ii ) is the bank responsibility not to mislead the customers.

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 2016-11-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Reviewed by phone my equity line of credit with Wells Fargo Bank. The recorded information states that on XXXX XXXX, 2016 a " transaction '' for {$430.00} was made. This transaction was not made by me. Nothing was added to my balance. 
Talked with Equity Line division by phone. They did not see this transaction on their computer screens. Went into the bank. They also could not find this transaction. Used my cell phone to pull up my account, handed it to the manager so he could the recorded message. A " glitch '' is what he suggested. 
On XXXX XXXX, 2016 I paid the remaining balance but did not close the account. I did close other accounts but kept my checking and XXXX accounts. 
The is no paper work showing this transaction. I 'm wondering if I 'm the only account holder that has had this experience.

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 2016-10-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wellsfargo convinced me to change my auto loan with their bank. I received numerous calls from a rep stating that they could give me a lower interest rate of 1.99-3 % and when I decided to switch my loan, the loan officer stated my loan would be 7 % and I had an XXXX credit score. I said that 's not right and the loan officer stated my loan with my precious bank was 12 % and after looking at my paperwork ; I realized the bank lied to me so I can have all my accounts with Wellsfargo.

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 2016-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I keep receiving multiple calls on my cell phone and house phone from this number XXXX claiming I wrote a bad check from Wells Fargo in 2006. First of all, if I had written XXXX I would have taken care of it. Second, this is the first I 've heard of it and they said I 've been notified previously through mail. Third, the statute of limitations on bad checks in the state of California is 2 years. My concern is how this company got my information. This is an invasion of privacy. My phone numbers are not publicly listed.

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 2016-06-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My husband and I filled chapter XXXX in XXXX XXXX. Since then our payments have been missapplied. After chapter XXXX was discharged, we received a certified letter from Wells Fargo stating that our loan was 6 month behind. We were at 7.1 % rate. Once I started to work the their loan department to show the prove of the payments, as of XXXX XXXX my loan stmts show interest rate of a 0 %, and each monthly payment that we make puts us behind more, meaning I make a payment it goes against principal but then it adds back to amount due. Now XX/XX/XXXX, per Wells Fargo we are 10 month behind. So every payment we make they missapply. Its been a 8 month battle, no one can give us any answers, our credit history getting ruined..Who can help us?? Please ... I have all the bank stmts for the last 7 yrs showing pmts made. Interest and principal have been missapplied. Please help. 
Thank you, 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 non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I am a long time customer and I am writing you because I just received XXXX packages via US Mail one with a trial period for HAMP because I am behind one month on my home mortgage. This is the one home I own and live in with my XXXX sons. I 've heard horror stories about getting into HAMP then at the end of the trial period get denied and then I must pay the difference right away to then avoid foreclosure. I work for the XXXX and really need your help with this matter, yes we are the little guys but we are your customers that do n't want to be left out in the streets with their children. My hardship began with my divorce as she quit claim the home to me, and I 've raised XXXX my sons on my own, then just recently in XXXX my grandmother passed away and we all had to help with the funeral payments. I was working 10 months a year because I work for the XXXX, but now they finally gave me 12 months employment, which I 'm thankful and grateful. I will consult with my attorney whether he advices me to do the HAMP and I will then let Wells Fargo know. I 'd like to catch up so that I could be current, I just need to know the exact amount which is the month of XXXX and now on the XXXX the month of XXXX. I will pay XXXX at the XX/XX/XXXX. Most of my family have accounts with Wells Fargo and I am begging for your help and attention to this matter, I do n't want to be left homeless with my XXXX sons. My home preservation agent is

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a senior citizen who has been vulnerable to financial trouble due to a bank that used my money to open up unauthorized accounts. This bank that I speak of is Wells Fargo. It first started out by putting me in a platinum savings account. Then I received notice of a standard brokerage account. In the end I have all of these accounts that I never approved of. Wells Fargo has moved my money in the manner of which they saw best fit, nothing in regards of my consent. There were also false dates that provides proof on their behalf that I was at their local branches making these changes. The time span of all these events was XXXX 2016 to XXXX 2016.

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 2016-07-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Claim I took out loan Wells Fargo 2011, in California XXXX XXXX. Had my information but I did not live in XXXX nor have account with Wells Fargo 2011. They called me saying I owe {$400.00}, Wells Fargo can not verify or says I owe any debit. The loan amount was {$400.00}, no interest. Rep would not mail me verification letter, said she would escalate it back to collector

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 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo created a separate checkings County under my name with out my knowledge, and they charged me for opening that account. I ca n't even use the debit card attached to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Issue : MORTGAGE LATES XXXX 2014 showing on my credit report by Wells Fargo Bank. 
Story : XX/XX/2014 my marriage was formally Dissolved by XXXX Superior Court. Case number XXXX XXXX. The settlement agreement 'Division Of Community And Co-Owned Property Exhibit E ' gave asset consisting of Single Family Residence XXXX XXXX, CA XXXX to XXXX ( Former Spouse ). The wording reads " XXXX, CA XXXX and any debt or encumbrances thereon until its sold. If property sold, parties shall divide the net proceeds equally as stated in the body of this agreement ). '' RESOLUTION : Ensuring the ALL MORTGAGE LATES incurred after XX/XX/2014 be removed from my credit report by all XXXX credit reporting agencies. REFERENCE : Wells Fargo loan # XXXX XXXX trust deed, Wells Fargo loan XXXX Line of Credit, Wells Fargo loan 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 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone opened several bank accounts ( checking and savings accounts ) in my name without permission. These accounts were supposedly opened online according to Wells Fargo, XXXX, XXXX, and XXXX. Someone obviously stole my identity ( SS #, name, DOB, etc ) and opened these accounts. I then had to call all the banks and cancel these accounts, put a credit stop with the XXXX credit agencies as well as fraud alerts and go to the local branches of Wells Fargo and XXXX in order to close these accounts and prove that I had been a victim of identity theft. What I do n't understand is how anyone can just open accounts in my name online, but I have to actually go to a local branch in order to close them???!!!!! What XXXX kind of stupid system do these banks have??!!

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 2015-06-23 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A few weeks ago I set up a new savings account with Wells Fargo. The savings account was supposed to be linked to my debit card. The representative I spoke with assured me this had been done so that I could access my savings account from an ATM machine. On XXXX XXXX I went to get {$40.00} from that savings account at the ATM The ATM did not allow me to get funds directly through that savings account. It instead routed the funds through my checking account. My checking account did not have the funds to cover the {$40.00} withdrawal, so money was moved from my resulting in a {$12.00} transfer fee. When I called Wells Fargo on Sunday XXXX XXXX, the agent I spoke with went ahead and linked the savings account to my card, and said I should not be charged a fee for the transaction since the savings account should have been linked to my debit card. However I was still charged a {$12.00} overdraft transfer fee on XXXX XXXX. I feel that fee should be reversed since the product specialist who created the savings account for me did not link the savings account to my debit card as she said she did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
The XXXX has directed me to you for help with an ongoing issue I am having with Wells Fargo. In short, they have arbitrarily closed my separate XXXX nonprofit business account thrice. The bank has failed to notify me of these closures, and the bank has failed to restore the nonprofit 's balance that was in the first account they closed without my permission. 

I have notified the bank on numerous occasions and the XXXX helped me restore XXXX account, but Wells Fargo has continued to close my account and has never restored the nonprofit 's balance. As of last week, I was appraised to Wells Fargo illegally depositing a XXXX XXXX donation into my personal checking account ; I can only assume they did this because they closed my nonprofit 's business checking account. It 's my understanding that this is theft, fraud, and illegal, and this appears to align with the illegal behavior Wells Fargo was recently accused of doing with manipulating checking accounts and massive employee firings / federal lawsuits. 

Please let me know what I can to do to remedy this problem as Wells Fargo has ignored my request for resolution. I do n't want the IRS to think my nonprofit was knowingly breaking the law by applying tax-exempt donations to my personal checking account.

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 2016-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I XXXX XXXX CALED WELL FARO MORE GAVE I SERVICE TO REMOVE THE PM I IN SERVICE FROM MY LOAN XXXX AND WELLS FARGO STATED TO CALL XXXX XXXX AT XXXX AND WAS GIVING A NUMBER XXXX AND XXXX XXXX STATED THAT THEY DO NOT CAREY THAT LOAN AND TO CALL WELL FARO BACK AND THE JUST TOLD ME THAT THERE RECORDS STATES THAT XXXX XXXX CARRD THE LOAN SO WHO REAL CARRY THE LOAN BECAUSE RIGHT NOW IM PAYING WELL FARGO EACH MONTH, WELL FARGO STATED TO CONTACT XXXX XXXX AND HAVE THEM PUT IN WRITING THAT THE COMPANY DO NOT CARRY THE LOAN, THEN I WAS TOLD A YEARS AND A HALF AGO THAT WHEN I MEET XXXX TO XXXX on payments RULE THAT THE PMI INSURANE WOULD DROP OFF IN LESS SOMEONE TOOK OUT ANOTHER LOAN WITH OUT ME KNOW ING IT AND ADDED MORE YEARS TO THE LOAN.

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

Complaint narrative:
I have had ongoing violatons of Regulation CC by Wells Fargo Bank. 
I just received a response to my earlier complaints on matter XXXX ] and XXXX ] Its false and a new violation just occurred.See below. 

The response is false and the claimed credits from Wells Fargo Bank in their response were never made. 

I am filing a new Complaint under Regulation CC. 
A hold was improperly placed on a XXXX deposit from a law client of mine who is a business and whose account has processed checks several times for the last year, a XXXX XXXX. His prior deposit of XXXX was made and credited to my account with no hold. I know my depositor. 
SO does Wells issued prior credits and processed checks. 
Now this deposit has been collected by Wells Fargo Bank and I have a scree shot of my client XXXX Account that the funds were collected on this check. 
Yet Wells Fargo and their operations manager XXXX XXXX have made false statements to me and stated today at XXXX PDT that even if the funds were collected, that the bank could and would charge me for all items to come in. Once again a pretext to charge my account XXXX of dollars of overdraft fees on funds that were actually collected. 
Tbis is not just a violaton of Regulation CC its fraud and is also abuse of any discretion the WFB has under CC to punish me and retaliate for my pending complaints referred to above. 

This is part of the same pattern and practice of fraud by Wells Fargo Bank I want Wells Fargo Bank to honor Regulation CC and refund all past and current and future overdraft fees. Note this also leaves me with no funds over the holiday period. 
This is the second month in a row where the bank has done this, the Bank regularly receives my XXXX direct deposit from Social Security has no risk and has been taking an average of over 20 % of my social security deposits- this also represents fraud and elder abuse under State Law. 

Please see attached deposit receipt. Note there is no hold on the receipt and no hold notice. 
Wells Fargo Bank claims there wasa hold notice on their internal Wells Fargo Bank email. I did not receive a hold notice and did not receive even a notifcation that funds were transferred from my savings account until this morning after 2 complaints on Monday and no notice for over 2 business days. 

I want Wells Fargo to refund all fees. The prior complaints should remain open. These represent a pattern and practice of improper overdraft fees in violation of Reg CC. 
I am making a claim for loss of use the collected funds and all overdraft fees.

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 2015-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My payment made on XX/XX/XXXX was reversed days before Wells Fargo sent the loan to foreclosure. This is a blatant violation of the Frank-Dodd Act and Federal Banking Regulation Z. Wells Fargo has sent a XXXX letter to my insurance company telling them that the property is vacant or abandoned so my insurance company will cancel my policy and I will be forced to pay for Wells Fargo 's over priced insurance. This property has never been vacant in the XXXX years since I purchased it. 
Wells Fargo says " Customer was unavailable for consultation. '' The truth is Wells Fargo made no verifiable attempt to contact me. If Wells Fargo was not harassing me XXXX times a day they would be able to leave a message on the answering machine. 
Case number : XXXXWells Fargo Home Mortgage said : Explanation of closureCustomer was unavailable for consultation. 
See attached resolution letter. 
XXXX XXXX XXXXThis started when Wells Fargo withdrew money from the escrow account for expensesthat Wells Fargo did not incur. Then Wells Fargo applied our principle and interestpayments to the escrow account to cover the money Wells Fargo stole from theescrow account instead of applying the money to the loan. We have requested abalance statement for the escrow account a couple times verbal and a couple times inwriting. Wells Fargo recently sent us a letter stating Wells Fargo will not respond toissues with our account. We record our calls and have written documentation of WellsFargo 's crimes, so we could sue Wells Fargo. We would prefer to keep this out of thecourts. We have managed to make all our full payments before the grace periodexpires for over a year and a half. The last few months Wells Fargo lists our fullpayment as unapplied funds, so they can charge us more interest and late fees. We arecurrent on this loan and we have written documentation to prove it. Wells Fargo hassent us another ultimatum to pay what Wells Fargo says we owe by XX/XX/XXXXor they will foreclose on our property. 

I have filed another complaint with CFPB because XXXX XXXX failed to address the issues with this account. Case number : XXXX XXXX - Wells Fargo Executive Mortgage Specialist, stated that " You would have had to show proof of insurance coverage without any lapse for a full refund of the LPI premium. " This is not only a false statement it is a violation of a Federal Court Order. 
This is why Wells Fargo was sued and lost in Case No. XXXX. 
XXXX XXXX also failed to address the issue with payment of the 2009 property taxes from the escrow account.

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