vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am a long term customer of Wells Fargo. Always make payments on time. My XX/XX/XXXX payment was short by {$40.00} as my school tax bill had a significant increase, which got by me. I immediately went to the branch to deposit the funds along with my XX/XX/XXXX payment. They agreed ... because I am a good customer to waive the penalty fee, but not the " insufficient fund fee ''. I am set up for auto pay out of my checking account for the XXXX of every month. I was told by the branch the account was brought up to date and all is well. I started getting phone calls about XX/XX/XXXX and XX/XX/XXXX payments still outstanding after the XX/XX/XXXX. I asked why they did n't withdrawal it from my checking account. I spoke to about XXXX people assuring me they understood and would fix the problem, but when I would ask for a confirmation number, they would not give me XXXX. I finally spoke to someone in customer service and was told my auto pay was shut down. I asked why would you do that, because that makes it hard to get my payment. Because the XX/XX/XXXX payment was late they closed my auto pay down. I am structured for a XXXX of the month withdrawal, I received a letter dated XXXX XXXX, physically received it on XX/XX/XXXX I had no idea they would shut me down, and I made my deposits, in good faith, that the funds would be withdrawn. They are charging me penalty fees and will not remove them. I feel as though a disclosure letter before XX/XX/XXXX should have been issued so I would have a heads up? The branch does not work cohesively with the call centers. They tell me everything is fine, when in fact it was n't. The servicing end at Wells Fargo is horrendous. Their recovery department is demoralizing and patronizing. As I said I am a long term customer with good history, I faltered honestly and I feel as though they essentially prevented me from making my payment and bringing the account up to date. I am reporting this to the CFPB in hopes that they agree a timely disclosure was not issued by Wells Fargo, to the customer, ( me ) informing me my auto pay was no longer in place. I thank you in advance for any courtesies you could extend to me regarding this matter. Basically, it was like a " runaway train '' I could n't catch up to, no matter how hard I tried. And believe me, I tried. Thanks again.

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 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I got a Wells Fargo notice on my bank account that said my new card was on the way. I wrote them back and asked them what was up because the account number did not match mine and I did not request a new card. After two emails, the customer service rep told me that my account was " At risk for unauthorized transactions '' and they changed all the account numbers. I went through my account and had no unauthorized transaction up to date, and demanded why they thought I was at risk and why they changed everything without my knowledge and without my permission and they will not tell me. To me it sounds like they 're hiding a security breach, but I 'm super XXXX, I 've had the account numbers memorized for years and they go and change it without even telling me.

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 2016-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
WELLS FARGO HOME MORTGAGE IS CREATING PROBLEMS HAVING THEIR AGENTS XXXX OUT OF XXXX XXXX SENDING MY TENANTS A LETTER STATING THEY ARE FORECLOSING IN 2 MONTHS!!!! OUTRAGEOUS ON XXXX HAND THEY STATED THEY ARE ESCALATING MODIFICATION BECAUSE THEY HAD INPUTED THE WRONG FIGURES AND NOW THEY DO THIS .THIS HAS ONLY SERVED TO MAKE MATTERS WORSE!!!

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 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX XXXX a payment request from my girlfriend via XXXX was accepted by me XXXX {$1000.00}. Two minutes after I approved payment, the recipient canceled the transaction on XXXX. Funds were still drawn on XXXX XXXX from Wells Fargo and sent to XXXX with a trace number provided. I contacted XXXX on XXXX XXXX and representative told me that since the recipient was party to cancel the transaction, it would still process and would automatically reject her account and be placed into my XXXX account after XXXX6 business days. I called back after 6 days and XXXX and was informed that they did not receive the funds from Wells Fargo. I called Wells Fargo and opened a claims investigation, and was told that a investigator would be contacting me within XXXX5 business days. I was never called and after XXXX XXXX I called to check on the claim and a representative told me that is was closed. I have called back and forth between Wells Fargo and XXXX with XXXX parties stating that they do not have the money, and each time I get told either Wells Fargo sent the money or XXXX did not receive it. I have been provided the Trace Number from Wells which I supplied to XXXX, and nothing has come of it.

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 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo National Bank ran a credit report on me without my authority or permission!

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 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Short sale file submitted multiple times and little or no response unless forced by the borrower or agent. The approval time exceed the published time line by the XXXX XXXX XXXX. We are answering questions from the processor and underwrite over and over again with little, slow or no progress. All timelines have been exceeded and response for associate involved have been slow or unprofessional. Bottom line is that it is taking an excessive time to approve or decline a short sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We filed a Chapter XXXX bankruptcy that was discharged XXXX 2012 which did not include our home mortgage through Wells Fargo. This was included on the petition filed with the courts, however Wells Fargo did not respond to the request to reaffirm the loan. We continued to live in the house and make on time payments and even refinanced the home through Wells Fargo to take advantage of the HAMP program. However, Wells Fargo continues to report that the loan was included in our bankruptcy and show no payment records to all XXXX credit reporting agencies. We have contested this information several times only to be told the investigations were closed and that the information was reported correctly. I would like this corrected as this has been and continue to affect our credit file and is impacting our ability to gain a new mortgage.

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 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This loan has been going through a tortuous modification process with Wells Fargo/ASC for years ... .at least since XX/XX/XXXX. There have been a plethora of document requests which have been complied with. After years of document requests, borrower received a variety of reason to deny modifications ... ..too much income, not enough income, modification application pages not initialed,??? single family property, on and on and on. Borrower appeals with specific request for certain verification and validation and servicer responds, but sadly the response is not on point, rather more mumbo jumbo. Most recently, borrower asked for explanation as to how borrower 's income was calculated. The response was .... '' thank you for your request for short sale. '' After inquiry from borrower, Wells Fargo/ACS indicated they had mistook a bridge loan contract ( part of hardship ) for a short sale contract????? To date, they have never given the verification/validation or explanations requested by the borrower in his appeal or any calculations supporting denial. Rather, the property is scheduled for sheriff sale, 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 2016-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My debit card was lost recently. I am a waitress, which means my only source of income is cash. Without my debit card I have no way of depositing this cash into my account to maintain my balance. In the past few days while waiting for my replacement card, I have had a few automatic payments taken out of my account which have sent my account into overdraft. Because of this I now have {$200.00} in overdraft fees. {$200.00} is over half of what I make in a week, which means I am now unable to pay my rent and some bills. I have spoken to a wells fargo agent over the phone and they said they were unable to waive the fees because they were valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
I was sent an agreement to reduce garnishment withholding but the amount I owe was n't on the notice. When I called the rep could n't give me the exact amount of what I owe and break down did n't add up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I submitted a Fraud Complaint to Navy Federal Credit Union for unauthorized transaction on XXXX XXXX, 2015 from XXXX XXXX, NJ in the amount {$20.00} I received letter from XXXX XXXX stating that the transaction was not a error. Also usually there a way to dispute online but I 'm unable to dispute if Navy Federal Credit Union is going to give option to processing fraud it should be available to all transactions. Please investigate Navy Federal Credit Union procedure on processing Fraud complaint and ALL Product and Services and ensure it working according to United States Federal RegulationsXX/XX/XXXX POS Debit - XXXX Check Card XXXX - XXXX XXXX XXXX NJ POS - {$20.00} {$350.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
As a advocate for my father, XXXX XXXX ( who took ill in 2009 ), Wells Fargo Foreclosed on his home, in XXXX, PA, and then made it appear ( once this matter was filed with CFPB ) ; as though they were going to give my family a chance to purchase my father 's home back. But Wells Fargo knew all along that they were n't going honor the Real Estate inspection, or, the engineers report, which mentioned the tremendous amount of work that needed to be completed at : XXXX XXXX, in XXXX, PA! The Wells Fargo representative that was assigned to me : XXXX XXXX XXXX ( of the Office of the President ), strung me along -- letting us believe that our offer on the house was going to be excepted, and as long as we worked with their realtor : XXXX XXXX of : XXXX of the XXXX that our chances were great. However, due to the ( extreme ) rudeness of XXXX XXXX, we knew that the deal was NOT going to go through, as her reputation in the XXXX is not good at all!!! We assumed that Wells Fargo 's intention was just to let the house ROT, Vs : addressing all the issues in the " newly '' constructed home and allowing us to purchase it, fairly!!! Honestly, I have never seen anything like this in all my days!!! How can a bank issue a construction loan, and then not address any of the " structural '' damages, and then foreclose on the home (? ) *This is despicable to me, and I am truly disgusted by the way this entire matter went down -- from start to finish! If this is the American Dream, then something is absolutely WRONG!!! Where is the compassion for the sick? And why is n't the TRUTH respected anymore? ( The engineers report and the inspections report that was provided to Wells Fargo was thorough, which we paid good money for! Yet, Wells Fargo did n't give a hoot about the " truth, '' regarding the damages of the property! ) After all of this, I 'm thinking perhaps God has another plan for us! And he did n't want to see the roof come tumbling down, because the home was truly " the house that " XXXX '' built! '' At this point, it is what it is! However, I must say, Wells Fargo is certainly a financial institution that takes pride in misleading individuals!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX XXXX. In XXXX XXXX, my Father XXXX XXXX expired, and on XXXX XXXX, I open up an Estate Checking Account via Wachovia Bank with Account number XXXX. Which is now Wells Fargo Bank, with Account number XXXX. On XXXX XXXX, XXXX there was a INTL WIRE FUNDS TRANSFER wired from my account XXXX without my Authorization. The amount was {$25000.00} Dollars, on my original Bank Statement it shows the Funds were transferred to XXXX. The person that received this transfer was XXXX XXXX whom I do n't know or ever heard of. This is the transfer information that 's on my Bank Statement REF/RFB # XXXX, ADVICE CODE : XXXX, Time of Transfer:XXXX ET. Also the bank ( Wachovia- Wells Fargo ) AUTHORIZATION AND SECURITY PROCEDURE : which rules and procedures include a requirement for you to sign a " FUNDS TRANSFER SCHEDULE A '' which I did n't sign any such document for my money to be transferred. The Bank Manager of Wachovia at the time was XXXX XXXX, she also told my husband and I that she had people in XXXX, and some times she goes there for vacation. I would like to say again that I did not Authorize this {$25000.00} dollars to be transferred from my Account. Also on XXXX XXXX, XXXX someone used my Bank Debit Card and took {$730.00} dollars off of it. But Wells Fargo has credit this back to my account XXXX this was done XXXX XXXX. I need Wells Fargo Bank to honor this FRAUDULENT WIRE TRANSFER, and credit my ESTATE of {$25000.00} dollars that my Father left me. They can send a Check to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX or Credit it to my Wells Fargo Account XXXX. We thank you in advance for looking into this matter for me. 
XXXX XXXX, 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 2015-03-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife was laid off on XXXX XXXX, XXXX. Modification request was completed on XXXX XXXX, XXXX. XXXX XXXX XXXX stated, " We 're unable to complete the review if we are missing documentation, so we may request updated financial information. '' What information did Wells Fargo use to make your final decision if you were missing financial information? This decision was made in XXXX business days from the time my wife was laid off her job. Why was n't the decision based on information provided repeatedly through congressman XXXX office, Faxes from branch Well Fargo offices in XXXX? How can you calculate 42 % of 0.0 income? Why did it take Wells Fargo XXXX business days to make a final decision when you found out my wife was laid off XXXX XXXX XXXX? 

XXXX XXXX XXXX of Wells Fargo stated, " A review for HAMP Tier II was also completed and we were unable to approve you for a modification because the documentation provided at the time indicated that the modified payment would be more than 42 % of your monthly income. '' On XXXX/XXXX/XXXX XXXX XXXX XXXX of Wells Fargo stated, " Based on the documentation you provided us, your proposed monthly modified payment would be more than 42 % of your monthly income. We reached this decision by reviewing your monthly income, which is calculated as {$0.00}. '' Based on this information, why did Wells Fargo based final decision on information provided on XXXX XXXX, XXXX? 

Questions we would like Wells Fargo to answer:1. Why Wells Fargo base final decision on information provided on XXXX XXXX, XXXX? 
2. Why was n't the decision based on information provided repeatedly through congressman XXXX office, Faxes from branch Well Fargo offices in XXXX? 
3. How can you calculate 42 % of 0.0 income? 
4. Why did it take Wells Fargo only XXXX business days to make a final decision when you found out my wife was laid off XXXX XXXX XXXX? 
5. How many home owners have been given HAMP Tier II in or around XXXX XXXX, CA which is where we live? 
6. Can we have a HAMP Tier II ASAP or by XXXX XXXX, XXXX because our house will be Trustee sold on XXXX XXXX, XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is who I have my mortgage threw at XXXX XXXX XXXX XXXX XXXX Texas I am complaining about my Insurance that I have on my mortgage, late charges from XX/XX/XXXX threw XX/XX/XXXX, XXXX, was charges for XX/XX/XXXX threw XX/XX/XXXX was different from what XXXX charges, My dwelling was almost double add up to over XXXX per year. My monthly mortgage note was over inflated, FHA insurance was not matching was they was drawing from my escrow, over charges on escrow and saying they gave me a refund, I received on two payment from XX/XX/XXXX threw XX/XX/XXXX and check was deposit or said cashed to my account do n't match my signature, retaliation on not excepting payment in XXXX/XXXX/XXXX I send it about four time and it was sent back, retaliation letters to foreclosure on my home, I never missed or been behindRetaliation for filling a complaint with the OCC for foregoing my name to document, they said I request for assistance but I did n't they called me and I said I never been behind on my mortgage and send treating letter of foreclosing, when I call for a pay off they refuses to give it to me, I would like my whole account looked into, if they want me to vacate my home then they need to pay off what I owe on my home, giving out my private information and phone number to brokers, pulling my credit report without my permission for marking there products, signature on deposit slip sign by employees,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I contacted Wells Fargo Home Mortgage to refinance my current mortgage. I informed them that I was behind and I filed bankruptcy about 6 years ago. They said no problem they could do it. My credit score was XXXX which they said was good. I applied and then they said that I had to pay {$11.00} for the credit report and {$530.00} for the appraisal in order to continue on with the application process. So I paid them the {$540.00}. I never received the appraisal on my home. They never contacted the appraisal company to schedule a date or time. They denied my application based on behind on mortgage and bankruptcy. I would like my {$530.00} back for the appraisal the I never received. I have called several times and left messages and no one has returned my calls. What does Wells Fargo do with all the money they get from people that do n't qualify for refinance?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was told by a representative at XXXX ( Wells Fargo foreclosure attorney office ) on XXXX XXXX, 2016 that there was no scheduled sale date listed for my home. Then the next day I was informed that the property was placed back on the list after it the sale was cancelled. I spoke with a Wells Fargo representative today on a recorded line today and she said it did not matter the sale was going to proceed regardless and she proceeded to say they have already responded to my previous request and going to send me the same information. 
There 's a civil action in Florida pending on the validity of the assignment for my property. This civil action was filed because Wells Fargo has not address any of my concerns and I relied on there detriment to honor the {$8100.00} they said I owed regarding the fraudulent assignment. I 'm also sending a copy of the complaint that was served along with the Office of the Governor in Florida complaints that were filed and that the XXXX XXXX was placed on a permanent legal hold.

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