vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I wrote a check to my Local XXXX in XXXX NJ on XXXX/XXXX/15 for {$27.00}. The clerk told me he would have to keep my check and present it physically to the bank instead of by ACH, and could not return the check to XXXX know this sometimes happens. 
Check # XXXX was then presented on XXXX/XXXX/15, electronically. 
Check # XXXX was once again presented for payment physically on XXXX/XXXX/15. 
This was an error on the part of the merchant, and the bank ( Wells Fargo ) for paying out XXXX on the same check number for the same amount. 
When I brought this to Wells Fargo 's account and pointed out the error, I was told they had to present this to their " Claims '' department, and it would take them up to 10 days for review. 
I have never heard of such a thing!! They made a mistake, and it was brought to their attention! Why the problem with refunding my own money. It is so clear if you look at my checking account to see what happened. 
I mentioned to Wells Fargo what happens if I overdraw due to this money waiting to be refunded. Oh, of course, they say they will refund any fees, but good luck with that. Also, that amount missing in my account could cause me to overdraw more than XXXX item!! 
I live paycheck to paycheck, support my XXXX year old mother, and can not afford mistakes like this or the bank 's cavalier attitude towards correcting what is very clearly a mistake on their part. 
That is why I am reaching out to this agency. 
Well Fargo has a poor reputation, and loves to charge people fee after fee! 
I even have to pay a {$12.00} fee for them to transfer money from savings to checking in case of overdraw!! 

Is that right??? 
Why is this bank allowed to treat their customers this way? 

Pls help. 

Thank You, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I refinanced my XXXX loans ( XXXX ARM and HELOC ) with Wells Fargo to another lender, the refinance transaction closed on XXXX XXXX, XXXX. To date I have not received a copy of the recorded release/satisfaction/cancellation of the mortgages. I called the XXXX XXXX XXXX of Deeds office on XXXX XXXX, XXXX, and learned that a cancellation for the HELOC was recorded on XXXX XXXX, XXXX ; however a cancellation for the primary mortgage has not yet been recorded, pursuant to NC Gen. Stat. 45-36.3. Please send me a copy of the recorded cancellations of both loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
American servicing company is the servicer for Wellsfargo. I 've been trying since XX/XX/2008 to get a home loan modification and I keep getting the merry go round treatment. For some reason, my paper work keeps getting lost, or THE time ran out to apply or I make to much money or too little money. What is more, ASC assigns me with a home loan preservation officer, who supposed to handled my loan modification application, who always like clock work gets moved to a different office and location allegedly, just before I 'm supposed to get a decision on whether or not I was approved for the modification loan. This routine is systematic act. And, the new Preservation officer allegedly never knows what went on before they take your case/application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
A check drawn on a local bank that I deposited on XXXX XXXX is being held until XXXX XXXX, even though with the advent of electronic banking checks are clear in one to two days according to the FDIC. Thus, the banking industry is " floating '' these collected funds while harming my credit or exposing me to overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I traded my XXXX XXXX XXXX for a XXXX XXXX at XXXX XXXX XXXX. The trade was made on XX/XX/2016 but Wells Fargo auto finance is showing my existing autuo loan past due and will be reported past due to credit bureaus because they have not processed the new loan paper work in a timely manner. I was told that I needed to call WF Collections and explain the issue and could n't guarantee that my loan would not be reported late. I was told to obtain a 10 day pay off so WF had time to complete the new financing, that date has come and gone and I can not get anyone in the Vehicle Financing Department to care about it 's currently past due or give me any information on completing the new loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an email from my bank ( Wells Fargo ) telling me that I would be receiving a new credit card because my card " may be at risk for unauthorized transactions. '' I called to ask what caused the bank to take this action. Someone at the Wells Fargo Fraud Department told me that there had been a financial data breach at one of the merchants I had done business with. I asked for the name of the business, but was told that " XXXX does n't supply that information to us. '' He said that after the whole XXXX episode they do not disclose company names. How is this legal? Do n't I have a right to know who made my financial information vulnerable? 
Now I have to contact all the companies where I have automatic deductions to update my financial information. It would seem that XXXX, and possibly Wells Fargo, is n't interested in protecting consumers as much as it is in protecting the shoddy security of unnamed corporations.

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 2015-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
On XXXX/XXXX/XXXX, I signed a Retail Installment Contract and Security Agreement with XXXX XXXX, XXXX, WY, that was assigned to Wells Fargo Auto Finance. My payments were to begin on XXXX XXXX, XXXX and continue for 60 months. When I received my XXXX/XXXX/XXXX statement I was surprised to see a late fee assessed. On XXXX XXXX, XXXX, I spoke with a Wells Fargo customer service representative named XXXX about this late charge. Although the payment was mailed on XXXX XXXX, XXXX, she indicated that it had not been received until XXXX XXXX, XXXX. I was skeptical because past experience indicated that it typically took 4 to 5 days for my payment to arrive. For the next 31 months, I sent every single payment via certified mail, intentionally varying the weekday each was mailed. Not once did it take 7 days for my payment to arrive in XXXX ; in fact, it continued to average 4 days. Although the payments due in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were received at the address provided by Wells Fargo Auto Finance prior to the XXXX of the month, I was assessed a late charge. On XXXX XXXX, XXXX, I sent a letter to Wells Fargo disputing the late fees and attached copies of the certified mail receipts that showed each payment was received at the Wells Fargo mailing address before the XXXX of each month. Payments are considered received when they arrive at the address designated by Wells Fargo, not when someone eventually opens the envelope. Wells Fargo has charged unauthorized late fees and has failed to return the title of my vehicle to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I refinanced my mortgage with XXXX XXXX XXXX through XXXX XXXX services via a CASH OUT refinance, and in the process paid off my Vehicle, a credit card, and lastly my WELLS FARGO INSTALLMENT LOAN .... In the process, there was an overpayment to WELLS FARGO of $ XXXX of which I immediately notified wells fargo who had informed me a check would be issued and would arrive in no less than 7 business days ... At this point, it has been 45+ business days, multiple calls, multiple hours spent on hold, multiple research requests, multiple notices that they never actually sent my money back to me, and now finally they have apparently cancelled the check and told me they would direct deposit the overage, which I had requested them to do originally .... Lo and behold its been over a week and still no direct deposit ... They said friday it would be deposited for sure as that was 5 business days after the direct deposit request ( XXXX ) but hey of course I still dont have my money .... I contacted title and they instructed me to reach out to the CFPB ... so this is where we are ....

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 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
This is a follow up to Complaint against Wells Fargo number XXXX for purposely harassing me, lying, and ignoring foreclosure proceedings in order to secure as much money out of my pocket as they can.w-up to case. XXXX/XXXX/XXXX. Finally ending around XXXX/XXXX/XXXX. Thanks to you Wells Fargo agreed to take the 3 month sale option under Wisconsin Statute 846.16 ( 2 ) instead of having to wait 1 year to sell my property.I have copies of all mentioned below from Wells Fargo lawyer XXXX, XXXX XXXX XXXX XXXX, XXXX Wisconsin. They filed for foreclosure XXXX XXXX, XXXX. The home at XXXX XXXX XXXX XXXX was sold XXXX XXXX, XXXX to XXXX XXXX for {$37000.00} ( 44 % of assessed value {$86000.00}. Plaintiff will not apply for personal judgement against Mortgagor. It states approximately five times plaintiff not seeking deficiency judgement. All of a sudden in XXXX XXXX i received a subs XXXX XXXX Aquisition or Abandonment of Secured property form from Wells Fargo stating that this form was sent to the IRS. When my tax people looked at it they refused to do my taxes. It states that they were told of the abandoment home on XXXX/XXXX/XXXX in truth I called them in XXXX XXXX and was given verbal permission to leave my home by Wells Fargo. They later denied knowing anything about this. It says I owe {$100000.00} and the assessed value of the home is {$140000.00}. In truth it was assessed at {$86000.00}. The box is checked that I am personally responsible for this entire debt. I called them a week ago. After 2 hours I finally got someone to fax THEIR attorney letter to and I have heard nothing. Is there anyway you can help me. This is totally fraudulent form. I can not get a hold of anyone at the IRS. Thank you so very much. XXXX XXXX. ( Wells Fargo account # 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 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is refusing to honor their letter stating that the XXXX % threshold to drop PMI was met. I used their appraisal company to appraise my home which cam is at XXXX % PMI. After they charged {$400.00} for the appraisal they sent a " new '' letter saying the entire increase in the value of the home must be due to structural improvements. When we proved this was the case they stated the value must be the cost of stuctural improvements not the increase in value due to the improvements. This was never made clear as they gave me the initial requirements. I called and spoke to several reps before beong escalated to the top team members who not only refused to drop PMI but would n't even refund the appraisal portion of my inquiry. This was downright misleading from the beginning and an increase in revenue for them as I followed their letter to the the T and nothing was changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XXXX I had a bank account with Wells Fargo Bank in XXXX Arizona. I closed the account when they told me I owed them & gt ; {$9000.00} in overdraft fees. Then In XXXX Wells Fargo took all of my money out of my account at XXXX Bank XXXX, XXXX AZ right after I had refinanced my home. The amount was {$14000.00}. I filed a complaint in courts in XXXX, AZ and the Judge ruled in favor of the collection company that bought out the debt from Wells Fargo Bank. The collection company stated that the debt was for a credit card. I did not have any credit cards with Wells Fargo Bank! I did not have a credit rating high enough to get ANY credit cards, let alone XXXX for $ XXXX. I did not owe Wells Fargo Bank that money and now have lost $ XXXX to their collection company. I asked them for proof and accounting of the money they stated I owed and they would not provide that to me. 
So without any proof of the money owed or any accounting of the fees or any financial statements, the Judge gave the collection company for Wells Fargo Bank my $ XXXX dollars. 
Is there any recourse for me? Would n't they have to prove that was truly owed to them? There was nothing on my credit reports that stated that I owed Wells Fargo Bank any money for credit card debt PLEASE HELP. I can get the transcripts of the court appearance for proof that the atty stated that I owed for a ( nonexistent ) credit card

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 2015-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
American Servicing Company refuses to review client for modification. Was advised on XXXX/XXXX/15 that file was going to be reviewed for modification but when I called XXXX/XXXX/15 was advised that the same day XXXX/XXXX/15 file was denied. How is it possible that they reviewed file within a XXXX of hours. File was not handle properly. No written decision was mailed to client. I also also advised that no written notice will be sent of decision. Not following proper guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Red Cedar Services, Inc
State: FL

Complaint narrative:
Received a loan on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX XXXX of {$150.00}. They want a total of {$850.00}. XXXX repayment. That is 780 % interest. I am unable to make the payments due to XXXX other advances I have. 

Recieved a loan on XXXX/XXXX/15 From XXXX XXXX XXXX XXXX XXXX of {$350.00}. I have paid them {$970.00} so far and owe a balance of {$420.00}. 

Received a loan from 500 Fast Cash XXXX XXXX XXXX of {$500.00}. I have paid them {$550.00} so far and owe a balance of {$250.00}. That 's 377.59 % interest. 

I was desperate at the time. I had now other way to pay rent. I am on XXXX and can not afford to pay them what they are asking. I tried to work out a different payment plan with them and they refuse to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My card was involved in an accident and the car was totaled. As a result fo the insurance claim - a large percentage of the loan amount was paid off by insurance. At that time I contacted the creditor and explained the situation. There was a balance leftover that was due from me and the creditor said that I would be able to seperate that from the loan and have a different payment arrangement on that portion of the balance. Time went by and I did not recevie any information so I called the creditor and sent an email. More time went by so I called the creditor again and this time the creditor said that I had to make full car payments and that the account was past due because I did not pay regular car payments on the small amount due and remaining. The creditor marked me late to the credit bureau. Even though I was talking with them about a different payment option and set up for the balance left over. I asked them to consider making an exception as a one-time courtesy to remove the XXXX x XXXX late payment and they refused. They said I would need to dispute it with the credit bureau. I had XXXX loans with the creditor and never made a single late payment. They refused a one-time courtesy request and the representative on the phone was quite rude about it. The reason it was technically late was because they did not respond to my inquires on what I needed to do in an insurance pay off situation.

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 2017-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
XX/XX/XXXX changed insurance to XXXX XXXX XX/XX/XXXX Insurance disbursed was XXXX XXXX where is that monies ) You said a partial refund was deposited into my escrow XX/XX/XXXX of XXXX. So that mean I should have been over my escrow amount. So I should have gotten a refund. 
Escrow statement dated XX/XX/XXXX my XXXX payment is XXXX Escrow statement dated XX/XX/XXXX my Current payment is XXXX That is not my current payment. I am payment more for my Mortgage then suppose to based on the Escrow statements. 
Where is he refund. Someone is doing something with this money.

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 2016-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
RELATED TO CASE XXXX DATED XX/XX/2015 WELLS FARGO BANK. WELLS FARGO BANK, SERVICER AND REPORTEDLY LENDER XXXX XXXX XXXX HAS FRADULENTLY SOLD HOME.USAGE OF FABRICATED DEEDS. I REQUESTED DOCUMENTS OF SALE AND WAS REFUSED. I AM REQUESTING DOCUMENT TO VERIFY SALE WITH PROOF OF PURCHASER AND TITLE FOR NEW OWNER TO VERIFY REGRISTERY.

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 2016-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am attempting to get a modification on my mortgage with Wells Fargo. I have submitted a loan application twice which was denied. The first application was denied because I did not make enough income. I obtained a part time job and resubmitted. The second application was denied because I did not have sufficient history of the higher income ( i.e. had n't made the income long enough ). For each modification denial, I have taken the necessary steps to do everything requested of me. However, I believe that Wells Fargo continues to " move the mark '' once I achieve it. Additionally, my primary source of income is self employment. I have provided Wells Fargo with 5 months of income from my business. I believe that Wells Fargo is not properly considering my business income in its determination as to whether I can participate in the loan modification program. 

After the denial of each modification, my home is scheduled for foreclosure sale. When I request information on the amount needed to bring the loan current, it includes {$1500.00} of foreclosure fees. Ive requested from Wells Fargo verbally and in writing for a break down of the foreclosure fees and have not received it. A representative told me that it included a " home inspection ''. If my house has not been sold, how can a home inspection occur?

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 2015-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
AmeriHome Mortgage XXXX XXXX XXXX XXXX XXXX XXXX did n't escrow private mortgage insurance ( PMI ) on my loan since the inception of the loan which was 2.5 years ago. Now the company is claiming that we owe them PMI premiums for the past 2.5 years. They have put our esrow account in a negative standing and have increased our mortgage payment by over {$400.00} to cover the escrow advance. I have never gotten a written response or an explanation from the company on why they have done this. I have had numerous unsucessfull phone callls with them. Person on the other end of the line was never willing to help or able to help. I was always told that someone from their " escrow dept '' will call me w/in 5 days and I never received a call. I have sent XXXX certified mail letters and have never gotten a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is raising my payment from {$1300.00} to {$2900.00} while in bankruptcy, the only reason they are giving is because they made a mistake, and the insurance is not even included. Please help me!

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