vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am trying to close a checking account with Wells Fargo. I stopped into a branch in XXXX, WA on XXXX/XXXX/2016 to close my checking account. I was told I could not do so because there was cash in my account. I withdrew all funds and then was told I could not close the account because I had a mortgage with Wells Fargo. On XXXX/XXXX/2016 I returned to the same branch in XXXX, WA as my home had sold. I was then told that my account was closed. When I checked XXXX XXXX, I could see that my checking account had not been closed, so I went again to the local branch for the 3rd time to close my checking account. I was told that the account had been closed, but that it would take a few days for it to process through their system. 

I recently received a letter from Wells Fargo dated XXXX/XXXX/2016 indicating that my checking had not been closed and that it was being changed to an account that would charge me $ XXXX/ month if I did not maintain a {$1500.00} minimum daily balance or have qualifying direct deposits totalling {$500.00} or more each statement cycle or XXXX debit card purchases or payments linked to a Wells Fargo Campus ATM or Campus Debit Card. 

I am now on the phone again trying again to close my checking account. 

It feels to be like I am getting the run around so the bank can start charging me fees for an account I do n't use. I suspect that if I were n't constantly following up on this, I could easily be racking up fees without my knowledge on an account I thought had been closed. 

XXXX XXXX, Operations Specialist at Wells Fargo on XXXX/XXXX/2016 assured that the account was closed and that I would be receiving a letter in 5 to 7 business days to confirm closure. 

Even more disturbing though, is that the customer service rep who I spoke with when I first called in on XX/XX/XXXX gave a confirmation number on closing my account. When I asked to be connected to his supervisor she ( XXXX XXXX ) told me there was no confirmation number for my transaction. I do n't understand what is going on and why the customer service rep gave a confirmation number when his supervisor subsequently stated one does n't get generated.

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 2015-08-03 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I sold my house in XXXX XXXX, XXXX XX/XX/XXXX. Two days prior to the new owner taking over, I boarded a plane to XXXX. All of my belongings including furniture, clothing and automobile, were also transported. The money from the sale of the house was deposited in my bank account shortly after my arrival. I immediatly began paying bills. Since I had used online bill pay for years it only took a few days for my creditors to receive payments. My credit card debt was about XXXX. when I left XXXX, I paid about XXXX, and today I owe about {$8000.00}. I would love having a home, that I can call my own. One day saw a house for sale in the neighborhood I like. I contacted a realtor regarding this particular home, the asking price was XXXX. Immediatly I was transferred to their Loan Department. Later that evening the representative telephoned me to advise me that my credit score was very low ; too low for financing a home. He was somewhat rude, like I just wasted his time. He said I had tons of credit card debt and my house in XXXX XXXX appeared to be involved in a " quick sale ''. He added, there was no way I could get a home financed. 
I amXXXX a XXXX XX/XX/XXXX, I had planned to put the house on the market immediatly, but I love XXXX. It was not untill XXXX XXXX when I sold the house and began making plans to leave. I shipped furniture, household goods and belongings including my car to XXXX where I was raised and have family and friends. The cost of housing is so much lower in XXXX. In XXXX my total mortgage payment was {$3100.00}, and due to the type of loan it would have increased over the next 2 years. 
Another factor which caused my financial problems was, teachers did not get a raise for almonst 10 years. Finally XX/XX/XXXX teachers were given a raise. In XX/XX/XXXX I had to get out of one of those preditory loans, and the new loan started out at 3 % interest for the first 3 years but increased 1 % each year after. I began to use credit cards for groceries and for everything I could not afford. Fortunetly my house was beautiful. I purhased it in XX/XX/XXXX and remodeled the kitchens and bathrooms.

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 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I made a payment on my checking account for my credit card. My deposit did not credit until the next day. This caused my bank account to overdraft XXXX The next day I credited the account but still have an overdraft fee. I ca n't afford to pay this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have purchased my home 2 years ago. Since then the assessed value of my home has increased. My tax assessed value has increased by 30 % and other houses in my neighborhood are reflecting that increase. I contacted Wells Fargo ( owner of my mortgage ) to have them assess the property value so that I can remove my mortgage insurance. They told me that I would have to pay over {$300.00} for the appraiser so assess my home. They also said that the appraiser would not take market value into account. The appraiser would only be looking for structural modifications. Wells Fargo owns the appraisal company. There is a conflict of interest that negatively affects consumers like myself. The appraisal company and Wells Fargo are in collusion to artificially suppress appraised property values as confirmed to me by the Wells Fargo representative. A fair and proper appraisal must take market value into account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I paid my cellphone bill on XXXX/XXXX/15 which was {$210.00}. It posted on XX/XX/2015. I went shopping earlier and I glanced at my balance and notice I had n't spent as much this weekend as I thought. Come to find out my cellphone bill charge had vanished. I call Wells Fargo and was basically told that it 's done that way with larger charges to let the merchant bill it. I asked my larger charges and they said it creates potential for overdraft charges. The put the {$210.00} back in my balance hoping I would spend enough to make it overdraft.

Company public response: Company 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 fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I began the process of refinancing with Wells Fargo in XXXX. It is now near the end of XXXX and they are requesting that I pay {$1000.00} to extend my locked in rate. They have already required me to extended it at least twice and the fees continue to add up. I have been extremely responsive when they have requested documentation ( normally turning around documents in less than 24 hours ). There have been multiple delays in the processing and they point the blame on others and take no credit for their ineffective process. On the occassions where I was able to speak with someone, I was told that it was company policy and they would not cover the fees to extend the rate. I should mention that I currently have my loan with them and I am looking to keep it with them. 

There seems to be little interest in keeping me as a customer. Their customer service has been poor at best. I am now faced with paying {$1000.00} or discontinuing the process and throwing away the money I 've spent on getting my home appraised.

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 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Purchased online dating service XXXX XXXX XXXX was overcharged for the database and did not have the database I was looking for was charged {$8500.00} and they would not send an email to the XXXX to ask someone to join the club that I was interested in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged me {$90.00} for a safety deposit box that was closed in 2011, then charged me a {$35.00} overdraft fee to cover this box fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am on a credit card with Wells Farcgo as an authorized user that I did not sign up for. This is effecting my credit in a negative manor. I have spent over 4 hours on the phone with Wells Fargo trying to fix this. Most of my time spend during this wasted time was verifying who I was and getting transferred and hung up on. They even sent me into a bank branch because they were sure that would resolve my issue. I drove all the way to bank only to be told that they do not deal with credit cards. On XX/XX/XXXX I called XXXX and spoke with XXXX employee # XXXX ref # for call - XXXX - He was supposed to send me proof that I should be on this account and teh proof was never received. Finally, after wasting over 6 hours of my time, I have decoded to file a 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 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received an offer in the mail from Wells Fargo Bank offering a {$300.00} bonus for opening a new checking account and making deposits totaling {$500.00} in the first 60 days. On XXXX XXXX, 2016, I spoke with XXXX XXXX, Small Business Specialist II at Wells Fargo to begin the process of opening the account, told him I wanted to open an account eligible for this offer, and provided him with the offer code on the offer I got in the mail. In that phone call ( which I have a recording of ), XXXX XXXX confirmed the type of account I opened was eligible for the {$300.00} bonus offer. That day, XXXX XXXX sent me some forms I needed to fill out, and after sending him the forms back, on XXXX XXXX, 2016 I again spoke with XXXX XXXX and we completed the process of opening the new account, and XXXX XXXX provided me with the account number for the new account and told me to make my initial deposit. On XXXX XXXX, 2016, I also dropped off a deposit for this new account in the amount of {$550.00} at a night deposit box at Wells Fargo. 

However, despite the fact that I complied with the terms of the offer Wells Fargo mailed me, Wells Fargo refused to honor the offer for the {$300.00} bonus and proceeded to close the account and reject my deposit. I have repeatedly contacted Wells Fargo requesting they honor the offer, and to-date they have refused to do so. I have attached a copy of the offer I got in the mail, a copy of the deposit slip and check from my XXXX XXXX, 2016 deposit, and Wells Fargo 's XXXX XXXX, 2016 letter to me where they return the {$550.00} check that I deposited on XXXX XXXX, 2016, confirming they received the deposit. I also attached a recording of the XXXX XXXX, 2016 phone call, where XXXX XXXX confirmed that this account was eligible for the {$300.00} bonus offer ( beginning at XXXX of the recording ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Bank received and deposited insurance proceeds that was in my name and not endorsed by me and now holding and refusing to release funds that was supposed to repair home from fire. The proceeds are much more than what I owe.

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: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is : XXXX XXXX # XXXX XXXX XXXXAddress of Complaint : XXXX XXXX XXXX. XXXX, CA.XXXXI am requesting Wells Fargo Home Mortgage to send me a typed letter response of how much money was credited to the Principle for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not been able to determine with clarity this information from your job control print outs. Again I am requesting a typed response that directly states how much principle was paid on this loan at the end of each year from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I am also requesting to know in a typed response how much money each year was held as non applied each year and for how long and how much money is still being held on this loan as non applied payments. I am also requesting exactly why are payments being taken and not applied when they are received and cashed by Wells Fargo Home Mortgage. In a typed response please list all Corp Advance fees, including property inspection fees. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I previously submitted a claim : Case number : XXXX. I was not happy or satisfied with Wells Fargo 's Response. They did not address the issue, the only sent me letters explaining the way my account was set up. Never addressed the information protection violation that wells Fargo engaged in when the shared my information with others. Me and my wife have been recovering from XXXX and it was difficult to respond earlier. I would like wells Fargo to admit what they did was wrong, issue a real apology and a solution to recover and correct the financial loss we have incurred due to the sharing of our private information with others. We have been receiving phone calls, emails, as well mail, that seems to be a direct result of information sharing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
For 3 years, I have been renting & living in the home I am currently trying to purchase. I have invested about $ XXXX into the house- I take care of my mother who is an XXXX. I have remodeled the house to be totally handicap accessible. 
I paid a down payment of $ XXXX directly to the seller. I have an additional $ XXXX for the down payment for the mortgage loan. My credit score is XXXX. 
On XXXX/XXXX/16 I went to the wellsfargo to get a mortgage. XXXX XXXX ( mortgage rep ) said I would be approved with no problem but had the seller and I change our purchase agreement to a higher amount of $ XXXX when the selling price was $ XXXX. He told us it was to offset the equity and to avoid PMI and a down payment. Reluctantly the seller and I did what he asked. Then had the seller do a GIFT OF EQUITY of $ XXXX. Both the seller and I were confused but did as asked. I paid for the appraisal and XXXX printed out the loan documents. 
The closing date was XXXX. On XXXX I contacted XXXX because I had n't heard from the appraiser yet. XXXX said he would find out why. He did n't. 
On XXXX I went to the bank because I did n't hear back from XXXX. XXXX said that he could n't do the gift of equity and he had us to change the contract again. XXXX was the last time I heard from XXXX. So I went to the bank over XXXX times talked to numerous managers including XXXX the main guy and no one knew why XXXX was n't contacting me nor did they have an answer why we had to change the price. No one at wells fargo could tell me the standing of the loan. 
My title company tried to contact XXXX with no response. My closing was XXXX. No one at wellsF could tell me what happened with the loan only that XXXX is unavailable. 
Now I have lost my $ XXXX down payment and my investment of $ XXXX and the house will be sold to someone else and I have to move. 
I am now 100 % sure that XXXX committed FRAUD and misrepresented himself with the purchase price/gift equity crap. I talked to a different bank and told them what happened and they told me to report XXXX and wells fargo. I have complete documentation of this whole horrible encounter. I lost my home and $ XXXX because of this guy and wells fargo.

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 2016-04-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo stated I submitted XXXX claims to XXXX XXXX XXXX XXXX XXXX. I have previously issued a complaint as I never approved a policy with XXXX XXXX XXXX. They say they have a recording of me but I would like a transcript of this recording because I have proof the recording was fraudulent due to an address change instituted by the XXXX-dispatch in XXXX County. I also would like proof of the XXXX claims they said I initiated under this policy. I will not speak on the phone with Wells Fargo. All transactions must be in writing so I can submit them to the CFPB. Charges were fraudulently made to my Wells Fargo Credit Card but that is a previous complaint. I will pursue the incorrect statements from Wells Fargo that I made claims to the XXXX XXXX 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 2016-09-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Financial National Bank charged me XXXX in interest on a loan that was to be a promotion. I made payments for 6 months on this loan and was charged monthly interest and yet was charged from the time I originally got the loan. So Wells Fargo is charging me double interest on this loan, as a penalty. It is unfair that they are doing 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 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
An Area Sales Manager for Wells Fargo Home Mortgage was quoting interest rates to a consumer with no active NMLS number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. 
I 'm filing a complaint because of the lack of help and correspondences with her lender. The loan was approved for a short sale. The offer was put in for a short sale and the offer submitted was not enough. A new contract and offer was also submitted and they are refusing to move forward with the short sale because " a short sale can not be done at this point because there is not enough time for the short sale process. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
consumer stated that her complaint is against Wells Fargo for not refusing to open a business account for her

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