vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo calls from XXXX to collect on a credit card. They are calling my work number after I expressly told them not to. This is violation of the FDCPA.

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 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Home Mortgage claims a {$17.00} late fee for XXXX 2015 was never paid. I paid that fee plus {$0.00} in additional escrow as I specified on my mortgage stub. Bank then added them together and put {$17.00} in " Unapplied Funds '' claiming XXXX late fee was never paid. They use this tactic repeatedly to make it appear borrowers are in arrears falling 3 months behind in late fees so they can accelerate mortgage payment and/or begin foreclosure against borrowers.

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had an issue with Wells Fargo and their ACH Payment system. 
The first payment ACH was set for the minimum payment. But they charged me the full amount. This happened on XXXX/XXXX/16. I called them about it and they fixed it. And the automatic payment was XXXX after-that. However, they made another attempt AGAIN on XXXX/XXXX/16. I called them yet again and they said they fixed it. BUT on XXXX/XXXX/16, they tried again. Therefore, I have XXXX insufficient item. I did not authorize the second and third payment! OTher people are having this problem and Wells- fargo even though I called them XXXX, IT DID NOT GET fixed when they said it did.

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 2016-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo categorically refuses to answer any and all of my Qualified Written Response. 
Please find their written response attached to my new XXXX complaint. 

Prior to receiving the attached Wells Fargo denial letter, I sent A copy of my RESPA request to the Consumer Finance Bureau, who opened Case Number XXXX. 

Wells Fargo now claims they have opened a new case file regarding my " new CFB '' inquiry. This is NOT a new inquiry. 

They have violated my consumer right for a loan audit, including history of loan ownership.

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Disputed account age and requested that XXXX verify and delete as account is over 7 years old according to my records. Instead, Wells Fargo re-entered the balance and past due amount, status, and re-aged the debt by changing the status date to XXXX. Disputed again with XXXX and attached letter sent to Wells Fargo. I continue to have MANY issues with Wells Fargo and their credit reporting practices no matter how many letters I have sent proving bankruptcy. I am simply asking that the account be removed is over 7 years old -- that was my dispute with XXXX. Wells Fargo 's actions caused my credit score to drop again. Also, this account may only be reported under closed accounts and negative accounts per bankruptcy code/laws.

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I moved to US in XX/XX/XXXX under XXXX. I have secured credit card with WF, XXXX branch, XXXX XXXX. I applied for unsecured Credit card in XX/XX/XXXX and received a letter to submit copy of my SSN, which I did promptly. XX/XX/XXXX I received communication from XXXX citing that my credit card has been rejected because I am not a US resident. No one told me this when I applied at the branch. they pulled my hard credit. There is no where mentioned on WF site that they dont issue credit cards to NON US residents. Its pure discrimination. i have credit cards and from other banks and departmental stores. I maintain healthy credit profile and have invested from my own resources in US in past one year. I dont have any problem on rejection from WF but the discriminatory attitude from the bank. Now i have closed my secured credit card account for XXXX USD with WF and they dont want to return my money for 60 days. i have no out standings in my account. I have written at the highest level but same replies.

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 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i have been banking wells fargo 9 years. in that time i have not bounced much at all this past year i did and it was due to mortgage making a mistake. right now as of this writing i am minus XXXX dollars as my tenant breached her lease and did not pay me at all.XXXX for many years i did not receive. before that she paid partial payments. for last 2 months. i never forecast this and as such payments had been scheduled in advance. inc a payment for the house. that she did not pay. Proper review of this matter to prove this is not my history would reveal that XXXX there. no one took the time to do this. leaving the fees guarantees i will cotninue to bounce. making the whole situation a lot worse.all the scripts i get are unbelievable. no one sees i am responsible and had i known my tenant would not pay at all i would have taken steps. i did not know. now i do. i will need all fees back and for the bank to see this is NOT my conduct or record and that i usually get XXXX at this time.

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 2015-09-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX. Yesterday XXXX XXXX, 2015. I went inside of Wells Fargo Bank on XXXX XXXX and XXXX XXXX in XXXX, Fl XXXX. My reason for visiting the bank was to get another bank card. My old one was cancelled due to misused. I was told from XXXX of the customer rep. When visited a month ago or so.. That I had to wait thirty day 's. Keep my account clear. Before I can get another card. It 's now pass those thirty days. XXXX XXXX who was helping me was not able to help nor give me a temporary card because she was told by her supervisor XXXX. The same reason the guy rep told me. Not even to bother looking further into that it 's been pass thirty days etc.. Well once I got home I called Wells Fargo XXXX XXXX number to find out why that bank would n't give me a card and to see if they could send it to me. I was told to go back into that same branch and ask to speak to a supervisor. Because they could n't understand as well why they could n't give me another card nor help me. At the time I was n't able to go right back up there. So I called that branch and asked to speak to the supervisor who was the person who answered. XXXX. She remembered me once I explain and she was n't so polite. Very nonchalant and told me that I was n't gone be able to get a temporary card not today. That she will give XXXX my information to try again and give me a call back. I never received that called back. I called the XXXX XXXX again.. To see what else can I do. And they told me to try another branch which I did. The on off of XXXX XXXX and XXXX XXXX XXXX, fl I was in and out in XXXX minutes.. No problem whatsoever! And the lady who helped me said she did n't know why they could n't help me and even ask me what bank that was. I was not pleased at all nor did I appreciate the nonchalant attitude of the supervisor at that branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have been approved for a Short Sale process 3 times and it was approved. The buyer walked away. I have just submitted a new offer at the agreed purchase price and now the bank is refusing to accept 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 2015-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a modification in XXXX 2015 and continued to respond to requests for additional information through XXXX 2015. At a court date on XXXX XXXX, 2015, I was told orally by a representative for ASC that I had been denied for a modification. I was told at that court date that I would receive a letter explaining why I was denied. But, ASC has not provided that letter explaining why I was denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX paid XXXX charge original interest XXXX My mother was put into paperless billing, and I called Wells Fargo and they told me the bill was lost in the mail, but they would send a bill and this would never happen again. XXXX months later they mail my mother a debt collection letter. I paid off the entire bill with the interest as soon as I was aware of it. My mother born in XX/XX/XXXX is a XXXX and is unable to use electronic banking or even write checks herself. Wells Fargo put her on Paperless billing so they would not send a bill and they could make money on interest charged to my mother. I want my information to be used as an example to help other seniors who are victims of 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 non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I am writing due to recent actions by the CFPB against Wells Fargo on the issue that their employees were opening accounts without the customers knowledge and authorization. I believe I am a victim in this issue. I believe a Wells Fargo employee opened a Credit Card in my name without my knowledge or authorization back in XXXX. I am a XXXX XXXX XXXX retiree living on a fixed income. I became a new customer of Wells Fargo in XXXX and opened a checking and savings account. I never opened a Credit Card! I became aware of this in XXXX XXXX when my computer was hacked and I was scammed of {$5000.00} from a Credit Card that I never knew existed. As the scam was unraveling, Wells Fargo notified me that the scammers activated a Credit Card ( that I did not even know that I had ) in my name and advanced {$5000.00}. After my inquiry the bank told me that the card was established in XXXX but had never been activated until XXXX XXXX ( not by me but by the scammers ). Why would someone get a Credit Card and never activate it?? Because they did not authorize or even know that they had it! I have made over a dozen complaints over the past year and a half to everyone from the bank ( XXXX or 6 times ) to the FBI, to the XXXX, to the local XXXX Office and the local Sheriff 's Department. I am including a copy of the letter that I sent to XXXX XXXX XXXX and XXXX XXXX XXXX at Wells Fargo. At this time I have $ XXXX delinquent charges from Wells Fargo against me and my credit report. I would like this charge removed and this matter finally resolved. Thank you! 
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 2016-07-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
In 2010 I was involved in a fraud case with navy federal I was contacted by an investigator XXXX. He told me to come out XXXX this was something they were aware of they had XXXX suspects. Make a long story short they have locked and arrested the inviduals up which I have later found. I been calling Navy federal to find out how do I handle this and they have not provide with any type of assistance only to pay my debt but this is completely a fraud case the guy from XXXX took my money and never giving me any car he have my social securitt number and much and many more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Loan officer ( XXXX ) misinformed me about ability to approve mortgage application causing me to unnecessarily incur an appraisal expense On XXXX/XXXX/XXXX, I had an email conversation with XXXX in order to explicitly confirm that Wells Fargo would be able to consider my wife 's new income in the mortgage application BEFORE the appraisal. XXXX response was that the decision is up to the underwriter and that sometimes they just need an offer letter and other times they need XXXX or XXXX pay stubs. This validated prior phone conversations in which XXXX said he would only need XXXX or XXXX paystubs. I also had a phone conversation with XXXX on XXXX to verbally confirm the pre-approval status of the loan. 

The underwriter later declined the loan due to the fact that he could not verify my wife 's income without 6 months of pay stubs after I had already incurred the appraisal expense. ( This is the reason stated in Adverse Action Notice and emails from XXXX on XXXX & XXXX ) This was the first time a 6-month requirement was mentioned despite my multiple attempts to confirm requirements. This was also extremely frustrating because I did my due diligence to clarify requirements, but I was told incorrect information by the loan officers. 

Furthermore, the appraisal itself had 2 problems : ( 1 ) The purchase agreement was misstated in the appraisal as $ XXXX. Actual agreement is for $ XXXX. It seems as though only the original offer was reviewed, not the final counter offer ( 2 ) Comp # XXXX ( XXXX XXXX ) appears to actually be sold XXXX XXXX. Age is over 12+ months despite the fact that the appraisal notes many other valid comps I have opened 3 cases with Wells Fargo HM Customer Care , and they have refused to discuss the issue further without even addressing the email and phone conversations containing misinformation. They wo n't even confirm if they have reviewed this evidence, nor will they comment on the mistakes on the appraisal. 

I have found many complaints online regarding this practice of prematurely ordering appraisals before stip requirements are clear to customer. I am concerned that Wells Fargo is profiting

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 2015-12-13 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My wife and I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged in XXXX XXXX. A Wells Fargo credit card was included in the bankruptcy. Wells Fargo continues to report the balance is owed and payments are delinquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX/XXXX/2016 Complaint Department Wells Fargo Home Mortgage Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item CREDITOR SETTLED on XXXX, is inaccurate because it shows a date of XXXX where it was a closed case in XXXX. I am requesting that the item be removed to correct the information as a short-sale not a foreclosure that was settled on XXXX. 
Enclosed are copies of enclosed documentation, supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 
This information is also simultaneously being filed a complaint with XXXX. 
XXXX Sincerely, Your name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
To Whom it May Concern, I was charged {$12.00} for insufficient funds on a check that I tried to deposit to my account. Prior to writing the check, the checkwriter checked her account to make sure she had sufficient funds. After depositing the check, I received the notice that I was being charged. 

I tried to call Customer Service to ask why it is Wells Fargo 's policy to charge its customers for something which is not within their control. A company which claims to " proactively protect our customers ' financial security through a risk focused culture '' should not impose fees upon its patrons which they have no control over. This alienates those risk-averse people who do everything they can to be prudent in their financial decisions and do their due diligence because it imposes upon them a risk they can not obviate. 
I have been a Wells Fargo Customer for a decade. I hold checking and savings account. I have a safety deposit box. I have a credit card. And as a student in professional school, I planned to patronize the bank for years to come. My experience with the Customer Service phone team has made me question these plans. 

Upset over this fee, I called Customer Service to request a refund. I asked my customer service representative how any customer could avoid these fees in the future. She had no answer for me. I asked her if that means I should just avoid using Wells Fargo financial services in the future, and she essentially agreed that this was the only way for me to minimize my risk. 
A business that claims protect its customers ' financial security while imposing undue fees on them ( that a prudent customer could not possibly control ) is not conducive to customer retention or satisfaction. How could I possibly feel that my money is secure if I can not protect myself from arbitrary fees? 

The worst part of the entire experience is that the supervisor who I spoke to pretended that she did not hear me and hung up as I was trying to explain the situation. Luckily, I recorded the whole ordeal. 

What I would like to know is exactly how Wells Fargo would advise me to avoid such charges in the future? Is there some magical database I can access to ensure that a check that I receive will have sufficient funds in the future? Or should I stop using Wells Fargo services in general? 
Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I hired XXXX over the phone, I waited til Tuesday because that was XXXX day they said I can get an am delivery. ... they called me at XXXX and told me dumpster would be there soon and got me to sign contract over the phone ... .. I called at XXXX XXXX and I was told dumpster would not be there untill XXXX XXXX ... .. I had to hire different dumpster company. ... XXXX is charging XXXX dollars for cancelation fee ... .. XXXX different people lied to me knowing the truck was n't coming to get me to sign contract ... ... I just needed a XXXX, I had XXXX men I was paying that were just waiting .... when I told XXXX at XXXX XXXX I was gon na cancel there XXXX dollar fee on my credit card he laughed at me. .... I was scammed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union primarily owed me {$3700.00} and I submitted a complaint against the organization due to the fact that this amount was related to fraudulent charge made on my account. Navy Federal Credit Union attempted to resolve the issue by only issuing a refund amount of {$2100.00} from the {$3700.00} which was {$1600.00} lesser than the total amount owed to me. The total amount taken from my bank account was {$3700.00} and 15 % interest rate was being charged to me for the past three years since Navy Federal Credit Union denied any responsibility of the matter. I will not be satisfied until NFCU returns the rest of the money owed to me that amounts to : {$1600.00} plus the interest back to me. I totally understand a portion of {$2100.00} was deposited to my checking account, but it is not enough. Many other veterans and federal employees have voice their concerns about Navy Federal Credit Union greedy agenda which is manifested by putting their interest above the people they represent. I give you a break down of the money that was supposed to be given which Navy Federal Credit Union did n't give. I would like to pursue the effort to regain the rest of the money back from this organization and I will stop until it 's done. 
{$2100.00} + {$1600.00} = {$3700.00} + 15 % interest charged for the past three years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief