vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
RE : XXXX XXXX XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau : In XX/XX/XXXX, I became aware of an annual interest payment check ( Wachovia check number XXXX, Account XXXX, Amount {$1.00}, dated XX/XX/XXXX ), For Interest on rent security deposit, No void remark time limits written on check. 

In XX/XX/XXXX I had dual residency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. During that time I never received an annual interest payment despite XXXX XXXX through XXXX mandate : " landlords must pay annual interest amount to tenants. If the tenant is going to apply the security deposit to rent because the landlord failed to pay the annual interest in CASH to the tenant or failed to provide the tenant with the annual update of the account information, the landlord has XXXX days to rectify these failures. " My security deposit ( totaling {$750.00} ) was never returned to ME, XXXX XXXX XXXX, and I never received any annual interest payment or knowledge of the XX/XX/XXXX check amount until XX/XX/XXXX. This same apartment complex, XXXX managed by XXXX illegally evicted ME, XXXX XXXX XXXX. The eviction is masqueraded as a legal judgment of possession but the judgment of possession is ILL GOT AND ILLEGAL, the warrant of removal is ILL GOT AND ILLEGAL BECAUSE THEIR LAWYERS XXXX XXXX and XXXX XXXX NEVER EFFECTUATED SERVICE OF PROCESS MEANING : I never received a complaint and summons and if I do not receive a complaint and summons how then can I properly defend Myself or inform a designated Representative to defend Me, XXXX XXXX XXXX, if I do not know the date, time, or venue. Lawyers XXXX XXXX and XXXX XXXX are ( located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX ) have caused ME, XXXX XXXX XXXX, great unnecessary grief and sorrow. 

Since that time Wachovia is now Wells Fargo. I have attempted on several occasions to deposit and or cash the check totaling {$1.00} AND ALL INTEREST SINCE XX/XX/XXXX to no avail. I have contacted and followed through with the state XXXX escheatment protocol to claim any monies unclaimed by Myself, and XXXX is still not cooperating under the leadership of XXXX XXXX XXXX. When are you going to learn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Its the policy of my bank, Wells Fargo not to cash checks made out to anyone if its more than 30 days old, my understanding is that require the person, or company to get another check issued if its more than 30 days old. Wells Fargo cashed a check to the city of XXXX for XXXX, on XX/XX/2016 for check dated XX/XX/2016, which cause my account to be overdrawn, because the replacement check was cash on the same day. City of XXXX claim they did not receive first check for XXXX, so I sent them another one for same amount. { # XXXX } I called Well Fargo [ XX/XX/2016 } to inquire about the reason they cash check XXXX, since it was 30 days old, The representative stated that it was their policy, but that the city was at fault for holding check so long, and that there nothing they could do. 
My question is, why have the policy if you do not follow it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2016, we contacted Wells Fargo Customer Service by phone and asked for our XXXX Wells Fargo accounts to be closed : a Checking account, a Balance Plus account, and a Wells Fargo Advisors account. The customer service representative told us that the accounts would be closed immediately and verified our mailing address so that they could mail a check to us for any remaining funds. On XXXX XXXX, we received two letters from Wells Fargo. One letter, from the Deposit Products Group, dated XXXX XXXX told us they were converting our checking account from a PMA account to a Wells Fargo Everyday Checking Account and included a list of fees. The other letter, from Wells Fargo Advisors, dated XXXX XXXX, was a PMA Benefits Expiration Warning and a list of fees. Apparently, Wells Fargo has not honored our request to close our accounts. Instead they have converted them to some other types of accounts that we did not request. We would like to get Wells Fargo to close our accounts, refund any fees they may have charged since XXXX XXXX, and send any remaining funds to us.

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 2017-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am receiving letters from Wells Fargo Home Mortgage saying that I owe all these fees. 
I have never been late on a payment, I pay the mortgage at the bank and get a receipt each time so I know that they have received all the payments. The property is a rental condo and they have never called me to have an inspection. The outside of the condo is maintained by the Homeowner 's Association so I do not know why I was charged for inspections of the condo when I am not even responsible for the maintenance of the condo building. There are also multiple attorney fees on their statement and I do not know why they needed an attorney and why I am being charged attorney fees. 
Years ago I spoke with someone at the local branch of Wells Fargo and I thought this was resolved and they said I did not owe anything but I keep getting bills from them. 
There have been class action lawsuits about this very same thing so it seems that they are charging a lot of other people fees that they do not owe. Please do something about this as I should not have to start another class action lawsuit to stop them from charging fees that are not necessary and have nothing to do with my loan. 
I am attaching the letter with the breakdown of the fees that they sent to me and also a copy of a letter I received about a class action lawsuit but I did not do anything about it at that time because I did not know that they would be charging me all these fees. 
These big banks received money from the taxpayers and the government so why do they need to collect more money when it is n't even necessary to do these inspections and they do not need all of these attorneys either, especially when someone pays their mortgage every month. This has to end. They are getting away with charging fees to lots of people and it adds up to a lot of money as many people just pay it to stop the harassment but it is wrong so please do something to stop the abuse of power Thank you.

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 2015-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I applied for a home modification loan through Wells Fargo in XXXX 2014. Wells fargo stated that I would have a trial period of XXXX months to see if the payments were affordable and if i would make the agreed lower payments on time. Payments were made early and on time for three month trial period. Wells Fargo claims that payments were no records as on time till the loan modification was approved in XXXX 2014. Therefore XXXX through XXXX payments were recorded as being 120 days overdue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Even though Wells Fargo states that they include pending bill pay transactions in their available balance calculations they do not. A user must remember that they have a Bill Pay and visit the Bill pay web page to see the actual available balance. This calculation is n't even available on mobile so a user has to visit the bill page pending transaction page and hand subtract pending transactions. I believe this way of doing business puts consumers in a position to overdraft and incur fees because they are not being forthright with the available balance calculation shown on the summary as well as quick balance web page.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 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:
XXXX XXXX owner is cancelling credit card processing service with the XXXX. As a part of XXXX XXXX cancellation process it is charging {$290.00} cancellation fee because 3 year of service term which according to my card processing application does n't indicates. I believe is not a fair charge & seeking to reimburse it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX/XXXX/2015 my finance visited a Wells Fargo Branch located at XXXX XXXX, XXXX, TX XXXX to resolve an ongoing issue we have had with our business checking account. XXXX XXXX the account representative finally fixed the issue she created and began asking my finance if he wanted a Wells Fargo Business Savings account. She had him sign a form and pulled his credit with he was unaware of because he did n't read the fine print. I receive credit monitoring and the following day I received an alert indicating that my credit was pulled by Wells Fargo. I called the branch on Monday and spoke with the manager into order to advise him of the situation, he was very hostile and began ranting that his employees would never run a person 's credit without their permission. I gave him the employees name and he told me he would like into the matter. I received a call from XXXX XXXX several moments later profusely apologizing about the situation. I asked her why she pulled my credit without my permission and she indicated she was not aware of Wells Fargo running " hard pull inquires '' on business savings accounts. She said I would receive a letter stating that it was a mistake and it would be removed from my credit report. Since that date I have received the run around from their credit bureau department as well as XXXX. I want this inquiry removed from my XXXX report. Prior to the incident at hand I never had a conversation with this woman nor did I sign anything giving her permission to pull my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Visited the Wells Fargo Bank at XXXX XXXX XXXX. XXXX, Georgia XXXX to cash a check in the amount of {$120.00}. The check was drawn on the Wells Fargo Bank. I was asked to present XXXX forms of ID and a " Thumb Print '' on the check. After a few minutes, I was then asked if I had an account at their bank. I told them that the check was drawn on their bank and that I was doing electronic work for the owner of the checking account. The bank told me that there was a {$7.00} dollar charge for cashing this check, and if I opened an account, there would no charge to cash the check. I am XXXX years old and I did not like the high pressure tactics used to get me to open an account at the Wells Fargo Bank. No signs were displayed anywhere in the Bank to let the public know of their policy and charges for non customer check cashing. Just the high pressure sales pitch!

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 2015-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a primary home mortgage through Wells Fargo in the XXXX of 2014. After reviewing my credit/income information, WF issued me a commitment letter for the purchase of my home dated XXXX/XXXX/2014. It was a 15 year mortgage with 20 % down and a 3.625 % interest rate. Closing was scheduled for some time in XXXX. Just before closing, WF told me that based on the appraisal report, I was required to bring {$500.00} to closing and put siding on XXXX side of the property ( I have never heard of an appraiser requring work to be done on the property ). I objected to the last minute notice and the additional monies I would need. The WF rep told me that I could put 15 % down, pay PMI and a slightly higher interest rate to fund the siding and additional monies required at close. I refused their offer. About a week later, just as I was about to put siding on a house I did not own, WF told me their underwriting unit rejected the loan application because I did not provide suitable comps, even though comps had been submitted to them months ago. Closing was pushed back yet again. Additional comps were provided, but those comps were deemed unsuitable. I was never told why. I then asked WF whether they were rejecting my loan and that I would need a written rejection to get my XXXX security deposit back. They would not respond. I pursued a loan with another lender, and settled within three weeks. A few months later, WF officially rejected my loan due to my credit ( although they had already approved me through a commitment letter ). I believe that the entire process was a scheme designed to suck me in with a great interest rate, and then at the last minute claim I had to come up with more money to close, thereby getting me me to lower my down payment, pay PMI and a higher interest rate. WF 's deceptive sales practices caused me to incur additional moving, storage and living expenses in the amount of $ XXXX. Plus, I paid additional appraisal fees to XXXX lenders ( approx. {$500.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Had a death in my family ( son ), my husband could not deal with that PLUS both mine and our other son 's XXXX so he filed for divorce. He left the house and I did n't know his whereabouts. The mortgage was deducted from his paycheck, he had all he mail forwarded.I did n't know that he had stopped paying the mortgage until I received notice that house was being foreclosed on. I tried everything in my power to get a loan modification but was turned down " for all their programs ''.

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: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My account number with Wells Fargo Dealer Services is XXXX. 
I have been late on paying my auto loan payment with Wells Fargo and when I look into my online Wells Fargo I see XXXX charges totaling {$210.00} that I clearly recognize and take full responsibility for. However, the issue is that starting XX/XX/XXXX whenever I call the rep will tell me my late charges are {$390.00}. I have attached an online statement showing the XXXX charges totaling {$210.00}. I have called many times and spoke to several representatives who have made requests to investigate the account but up to today XXXX XXXX at XXXX no results of these investigations have been communicated to me. I have talked to more than XXXX different people if I am not mistaking. Some were very patient and listened to me and showed they care and tried to help. However, XXXX ( ID XXXX ) and my account manager have been unpleasant. Especially my account manager, who I think does not even understand what the real issue is, would repeatedly tell me to go online and see the charges and that all the charges are valid. The first time we spoke ( 3 weeks ago or so ) over this issue he told me that the account was under investigation so he could not do anything about it. I asked him if had the authority to waive some of these fees so we can just put this issue to bed. He said he did not have that authority, I said fine. On Thursday XXXX XXXX I made a payment from my XXXX XXXX account for the {$210.00} which is what my online account is showing with dates and which is what I know is correct. On that same Thursday I requested the remaining charges ( $ XXXX {$210.00} ) be disputed because I do n't know where these are coming from nor would anyone explain to me where these charges were for. The Rep told me to call today ( Monday XXXX XXXX ). When I called they transferred me again to the account manager who was this time very rude. He told me that the account has been adjusted and that {$210.00} credit has been applied. and that there is nothing to discuss and that I should go online and figure it out. I told him that I actually made a {$210.00} payment and that I did not understand the adjustment he is talking about. I told him that this is the second time my account has been investigated and I still do not have any explanation for the remaining charges. And I requested the remaining fees be taken off my account until someone could provide me with a reason for these fees. He just went off and stating that I just wanted to create troubles and that all explanations have been given to me already. I asked if I could speak with anyone else and he told me nobody was available to speak to me and I asked his name and Id and he said he already gave it to me at the beginning of the conversation. I could not hear some of the last things he said but he just hanged up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been trying since XXXX to get Wells Fargo Bank to resolve an issue regarding a payment on my personal loan. The payment was made in a branch and was applied to my home equity loan account in error. 

I did not realize the error until I was contacted by the personal loan department to let me know that my payment was past due. 
When speaking with them, I looked at the receipt and realized the payment was applied to my home equity loan. 
The representative with Wells Fargo indicated that he would get with the home equity department and have the payment reversed and applied to the personal loan account. 


After this conversation, I monitored both accounts to see if the issue had been resolved, still no resolution. 
At this point, I contacted both the personal loan and home equity departments who promised the issue would be resolved. 
I even received a letter from a senior representative to let me know, the bank had resolved the issue an the bank was waiving the late charge that occurred on the loan. 


After the personal account was not updated and my account was 25 days past due, I made another payment to keep it from going over 30 days and being reported to the credit bureau. 
During this process, I have spoken to a representative from Wells Fargo 's home equity and personal loan departments at least once a week. 

After being so angry about this whole process and with no resolution in site, I decided to pay the loan off. I applied a payoff to the personal loan only to be contacted by Wells Fargo to let me know the payoff was short. 

I told them when they could get the payment that should have been posted to the loan applied, they could deduct the difference and send me a check for the balance. This was two weeks ago and the issue has still not been resolved.

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 2016-12-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been making payments on this auto loan over the last 4 months, even though I am late with making the payments. I understand and take full responsibility for being late, but Wells Fargo Dealer Services wishes to do nothing to assist with helping me with being late. All they want is the money and the late fees on the loan continues to climb, which will eventually eclipse the amount due. No efforts are made to rectify this and no matter how much of a payment I make to the loan, they just continue to tack on more and more late fees and when asking about bringing the loan fully current next month, they only state that they will do nothing about the late fees. They state how much they wish to help me, but they do n't. They just want the money and they want to do nothing. They can not reduce the payment or do anything that will help me. All they are doing to help me is blow up my phone with calls, send threatening letters about how they will get their jollies off on taking my car, and how they want to continue to stick it to me with late fees. Eventually, the late fees will go over the total amount paid. I AM NOT PAYING THE LATE FEES. IF WELLS FARGO WANTS TO HELP ME THEN THEY NEED TO HELP ME AND NOT BE LIKE A PREDATOR.

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 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello I am just asking how I can read some of the mortgage company 's response back you gave me a link but it will not let me see that link my complaint number is XXXX

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