vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Please review prior complaints numbered : XXXX and XXXX. 
This complaint is a follow up to the XXXX prior complaints, and refers to untruthful statements made by Well Fargo in reply to BOTH the prior complaints. In summary, Wells Fargo alleges that I can transfer money from my US Wells Fargo accounts to my bank in the XXXX XXXX using the Wells Fargo online system. I have a Wells Fargo on line account ( despite the Wells Fargo repeated assertion that I do not have such an account ). I phoned the Wells Fargo phone Help Line today to help me transfer funds. They told me today that there is a tab on the online web page ( the tab is allegedly called " Wire Transfers '' ). No such tab appeared on my session with the Wells Fargo on line system. Wells Fargo asked me to reboot my computer, which I did. When I logged on to the Wells Fargo online system again, there was STILL NO SUCH TAB and no such page on their online system. Wells Fargo have told the CFPB in writing, twice, that wire transfers can be accomplished from the US to the XXXX using their online system, but today, even with the help of the Wells Fargo phone Help Line, Wells Fargo could not demonstrate that this transfer capability even exists.

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 2017-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX, 2017. In receipt of another generated response to the complaints filed with WFHM and after providing documents / receipts / Bank statements / direct payments WFHM excluded in their records. The information WFHM provided says nothing new, does not fully explain why they excluded pertinent information and why they are not reporting my mortgage to the credit bureaus. Additionally why WFHM continues to report my mortgage payments as late or not made at all, when they clearly have all of the information, receipts, etc, provided by myself and the Wells Fargo Branches. I have consistently reported this issue to the CFPB only to have WFHM send the CFPB generated responses, with no end result. The other issue I have is that WFHM is directly affecting my ability to re-finance, it also is directly affecting my credit score and ability to obtain new employment. To make matters worst WFHM in sending the incorrect information to re-finance, have directly resulted in a denial. With the information provided ( All Payment History/Month by Month ), WFHM will continually state that the information on their end still has missing payments. It would take a simple phone call to the branches to where the payments were made to resolve this information and clear up any confusion. Resulting in a apology letter from WFHM and compensation of any late fees attached.

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 2016-11-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hello! 
My name is XXXX XXXX. I am currently a XXXX. I had originally loan Wells Fargo student loan about {$16000.00} XX/XX/2010 for XXXX University. As of this year, I noticed that my interest rate as increased to about {$5000.00}, which all together is {$21000.00} I own from them now. However, since I was very interested as to why they are already charging me interest while I am XXXX, I personally went to a Wells Fargo local bank to speak with a banker. As I was there, they called the call center for student loan and I spoke to couple of people, but I still felt like I was n't really given an answer as to why they are charging me already, if I am still going to school. Please, if I could get some answer and some solutions to my claim, will truly be great. It is very XXXX, first as a single mother, who is looking for a place to rent, but is n't able to find a reasonable one because of how the student loan have decrease my credit score. I will truly appreciate the assist. 

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 explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My home was started in a foreclosure process that was stopped by Wells Fargo Bank. # XXXX. Wells Fargo had been found guilty in The State of California for a loan called pick-a- payment which a ruling by The Department of Justice found unfair to persons who had this type of loan.After agreeing to stop all actions against me and my house being listed and sold by XXXX , XXXX , XXXX continued to damage me to the extent of my not being able to get a loan for a home or equity line with XXXX XXXX.My house was paid off in full and went through XXXX.The closing was on XXXX XXXX. Wells Fargo Bank @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX.Wells Fargo also never advised me of The agreement with The State of California. Now comes XXXX, XXXX, and XXXX giving foreclosure a new name. Attempted foreclosure well attempted is not foreclosed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
Since XXXX 2016 when my VA Loan Modification was implemented and Approved First Continental /XXXX has n't updated my XXXX, XXXX and XXXX Credit report .My New VA Mortgage monthly payments of {$1700.00} is not been reported to all XXXX Credit Reporting Agencies .Why? 
I am respectfully making my VA Mortgage payments on time and I like to receive credit and my credit scores to be elevated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Complaint No. XXXX XXXX XXXX, ASC Executive Resolution Specialist, is deceptive and abusive. I am at extreme high risk of loosing my only and primary home XXXX located at XXXX XXXX XXXX, XXXX, Massachusetts XXXX as a result in how my Transfer of Service is being handled. There is no truth to the information that ASC is providing to XXXX. The Consumer Financial Protection Bureau XXXX ( CFPB ) XX/XX/2013, dated XX/XX/2013 issued a guidance for servicers, including and not limited to America 's Servicing Company, in how to address the potential risks to consumers that may arise in connection with transfers of servicing. The CFPB explained in the article that servicing transfers are common, and may occur in several ways. I have 2 questions to be answered : 1. What Process of Service Transfer did America 's Servicing Company use? ( Please Prepare and Submit an informational Plan ) 2. Why, as the consumer, am I not aware of your procedure? ( Please prepare and submit an informational statement ) XXXX is under the assumption that the Service Transfer is complete. Documents enclosed.

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 2015-06-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I am trying to find out from Wells Fargo Home Mortgage why has my mortgage payment went from {$860.00} to {$1300.00}. The Loan Number for this complaint is : XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA. XXXX. 
I need a complete detailed break down of all charges that Wells Fargo Home Mortgage is charging me for this mortgage including any escrow charges and any Escrow disclosures explaining exactly why my mortgage went from {$860.00} per month to {$1300.00} .If this charge or any charges on this mortgage are incorrect or in error or misapplied by Wells Fargo Home Mortgage please immediately send directly a refund by check to me and my husband. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Provision of inconsistent, unclear information regarding required steps associated with management of account on behalf of mother 's estate in relation to joint account held by designated executor and mother, and refusal to negotiate deposit of third party check from FDIC ensured bank. Details : After my mother 's death on XXXX XXXX, XXXX, I went to local Wells Fargo XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) on XXXX XXXX, XXXX to provide bank with notice of death, provided an original copy of the death certificate, closed my mother 's credit card and debit card, and request information regarding any additional steps I would need to take with the bank as designated executor under my mother 's will ( and named joint account holder ). I was told no further action was required on my part. In course of managing my mother 's state, o/a XXXX XXXX, XXXX, I identified a possible fraudulent charge against the joint checking account, went to local bank ( XXXX XXXX location, XXXX ) ; reported this to banker, who contacted fraud line and also at my request, asked for verification that death certificate had been processed. The banker stated that the unit she was speaking to stated it had not been processed, and then indicated the unit had also informed her that I would not be permitted to deposit a check ( in the amount of XXXX ) from a third party bank check written to my mother 's estate unless I presented a " certificate '' for the court where her will was probated. I asked for clarification regarding the nature/type of certification, and was told that again I needed to present a " certificate '' and set up a separate estate account as well. I was also informed that Wells Fargo was not obligated to negotiate any items under a deceased party 's name absent the " certificate '', would not accept a certified copy of the probated will or any other documentation apart from the " certificate '', and would not accept the deposit. I indicated that the documentation being requested was unclear, that I had received no information to this effect from the XXXX branch, and indicated that I would be contacting the CFPB with a complaint regarding failure to provide clear, written policy information when requested. At this juncture, the unit speaking to the banker said they were escalating my inquiry to another unit. At no time was I permitted to speak directly with the contacted units, although the banker asked if I could and indicated to me that the unit would not speak directly with customers and now legal counsel would be involved. I was also admonished that the bank would need to investigate further.

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 2015-10-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Applied Resolutions Group
State: TX

Complaint narrative:
I have asked XXXX from the ARG Group collection firm not to call my work that I can not have those calls. He called today and told someone that he needed the address to my work so they would know where to send the court subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I made few claims and Wells Fargo approved them in writing. Wells Fargo informed me that my " account should be credited in the amount of $ XXXX within XXXX business days ''. However, that did not happen. I communicated with Wells Fargo and I posted on their XXXX and they kept delaying me and wasting my time. I still have all my proofs in writing that Wells Fargo can never be able to deny. The amounts are : {$12.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$17.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$16.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$24.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] I am kindly requesting your help to be able to receive the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
To Whom It May Concern ; Dear Sir/MadamI needed to pay XXXX AED to a lawyer in XXXX from my bank account that I have with Wells Fargo. This is not something that I usually do on my daily banking so I was not familiar or had any experience beforehand. 
I stopped by at a local branch located at XXXX XXXX XXXX XXXX XXXX, VA, XXXX to do the transfer. 
The exchange rate the branch gave me was XXXX for XXXX US dollar to which I agreed to since I thought Wells Fargo as a bank should have comparative rate that should be comparable to any other bank or any other financial services like XXXX XXXX who offer money transfer. 
I then sent the receipt to my lawyer as for informing them that money has been sent. 
I then received a phone call from them that the rate at which I converted my Dollar was very low and never saw anything like this in the history of all the exchanges that has ever been done. 
That raised a question why Wells Fargo offered such low exchange rate so I started to investigate. 
I first checked with apple federal credit union bank to find out what their rate was. 
I was told they do n't do exchange at their branch at all, instead they send the money in form of Dollar and the exchange will happen in XXXX at at receiving bank. 
I then checked the rate in XXXX and found out the exchange rate there is XXXX for each US dollar. 
I then checked XXXX XXXX and noticed their rate is XXXX and has always been like that. 
pleas consider that XXXX has a strong economy and their exchange rate does not fluctuate much. 
Had I sent the money with XXXX XXXX XXXX XXXX, I would have sent {$13000.00} or {$13000.00} if I had used XXXX XXXX. 
I ended up paying {$14000.00}, {$330.00} ~ {$450.00} more just because I used wells Fargo Bank. 
Apparently, Wells Fargo in addition of {$35.00} Wire transfer fee, is making between {$300.00} to {$500.00} as hidden fee by buying Dollar at lower exchange rate, XXXX, and selling it at higher rate, XXXX XXXX. 
I have also attached the history of Dollar to XXXX exchange rate that shows the min and max rate for about a week ago that shows the rate was never near XXXX. 
I request a refund be issued according to correct exchange rate that has always been used internationally to convert USD to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo employee refused to let me speak to their branch manager and give me their branch number.

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 2016-12-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I would clarification the XXXX Residential Loan Application for Reverse Mortgages. As per the XXXX it is stated that the Mortgage applied for was FHA Traditional HECM. The FHA Case No. XXXX XXXX and states the loan payment plan is a line of credit. The monthly statments clearly state the loan is a LUMP SUM. The Lender Cas No. : XXXX states that the purpose of the the loan was for ADDITIONAL INCOME. XXXX questions-when did I receive additonal income? I brought additonal income for this Reverse Mortgage. Now I will skip over to the Final Loan Terms Document lists the initial interest rate at 4.990-Annual MIP Rate $ XXXX-Expected Rate/Fully Indexed rate-4.990-Maximum lending limit $ XXXX-Initial Principle Limit- $ XXXX-Other Closing Costs $ XXXX-Mortgage Lien Payoff $ XXXX-Repair Set Aside- {$1300.00} Initial Funded Balance XXXX Another Closing Document numbered XXXX Applicable Law states All interest, Fees, and other amounts charged or accruing with regard to this loan, and all related documents, which are considered " interest '' under Section 85 of the National Bank Act ( 12 U.S.C. 85 ) as implemented by 12 C.F.R. 7.4001 ( a ), as amended from time to time, shall be governed by and interpreted under the usury and other applicable laws of XXXX. In all other respects, the loan and related documents, as well as the rights, remedies, and duties of the lender and the borrower ( s ), shall be governed and interpreted by federal law relating and applicable to national banks and their operating subsidiaries and, to the extent not preempted by federal law, by applicable state and local laws of the state where the real estate securing the loan is located. 

The Applicable Law Act was enacted to protect the consumer. 
Could you explain the legality of the Applicable Law Document since the property is located in XXXX? 

I expect to have my investigation done by XX/XX/2016 since I have many other concerns with the documents enclosed in the closing documents. There are many financial and federal consumer protection laws that Wells Fargo has either not complied with or provided their own documentation. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I went into the branch to order checks for recently new account because my account had been compromised. Someone had taken XXXX illegally from my account. The banker actually opened addition savings account which I was not aware of, he never asked me at all. I received a another bank card in the mail. I already had a savings account Ways To Save, no monthly charge. Now I am being charged {$5.00} monthly fee which is eating up my balance for no reason. I contacted the customer service department and they apologized about it said they would close it but I 'm currently being charged. 
When I first opened my Wells Fargo account 12yrs ago, I received XXXX new accounts. The banker opened a second account in my name. I took the information to the bank they closed the account and gave me free checks. Wells Fargo scammed me during the time I had already been scammed. I want my money back from charges from accounts the illegally opened in my name.

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 2016-11-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In 2009 I became XXXX and my wife 's company downsized. I had a checking account with WELLS FARGO. When we could not pay our debts, judgements were served against us by the superior court of XXXX County NJ. We were living on my social security XXXX check. on 2 occasions, WELLS FARGO at the request of the XXXX County sheriff, seized my account and took my XXXX funds. A first year law student knows that these funds are not able to be seized by commercial entities. I went to court and the sheriff returned there portion of the funds. WELLS FARGO refused, saying, " it is an administrative fee ''. the absconded with {$120.00} and {$100.00}. Following the latest developments of WELLS FARGO 'S criminal activity, I want my XXXX money returned. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I learned in XXXX XXXX that a number of 'pay-day ' type loans, in various amounts, had been opened using my identity ( SSN, name, birth date, employer, salary, home address, etc. ) which was apparently stolen sometime during XXXX. To date I have learned of XXXX companies that have opened such loans, including : CashNetUSA, XXXX XXXX XXXX, XXXX Payday Loans, and XXXX. The loans do n't appear on credit reports from the major credit organizationsXXXX. This is concerning unto itself. The loans were opened on or around XXXX/XXXX/XXXX. I contacted each company as I learned of a loan. The companies were all circumspect about the respective loan and would not provide information to me unless I gave them privileged personal information. I refused to provide such information unless they could prove they already had it. I was harassed with phone calls sometimes on a daily basis if not more. Eventually, I learned in each instance these companies do n't actually do credit checks with the major credit services nor are the loans identified on the credit reports -- makes it hard to determine there are fraudulent loans when they are n't reported on your credit. I have opened an incident report with my local police department, opened a complaint with the FTC, and put fraud alerts with the major credit services. I have sent dispute letters to each company when I learn of the loan and how I can file a dispute. All MAJOR inconveniences. While I 'm concerned about the harassment I 'm receiving from these companies, I 'm VERY concerned about what I do n't know including other companies that may be using my identity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation