vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was contacted by Wells fargo in XXXX 2015 about bringing my loan current. I had spoke to a counselor or supervisor and was told i made ~ {$1500.00} payment before XXXX XXXX 2015 i would be brought current. I made two separate payment of {$700.00} and was contacted by the same agent asking for another {$140.00} to be brought completely current. i made that payment as well and was advised i am completely current and would need to make regular payments beginning XXXX 2015. I continued making payments but on my bill it showed i was still delinquent and there had been other late charges applied to it. I contacted them several times about this to no avail. Then one time i was told this balance was carried from XXXX 2015. I have asked them repeatedly to listen to the calls from XXXX and XXXX to sort this out but they refuse to do so. instead they have been adding " other charges and fees '' to my bill and have brought the total amount due to over {$2000.00} and have adversely affected my credit.

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 2016-09-10 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My wife passed away on XXXX XXXX, 2016. We were married for 50 years. I notified all of the credit card banks and they all forgave me and my late wife of the money owed the. All but my own bank of Wells Fargo. They said I was co-signer of the card and I must pay them. I reminded them of the Colorado state law that says that I am not responsible for the debt. A month after she died, Wells Fargo said they sent me a credit card for her account. Strange that they would mail me a card a year and a half after ( they say ) I " verbally '' said I would be a " co-signer ''. I asked for me to hear the tape they claim to have of me agreeing to be a co-signer. They refused and told me to hire a lawyer. As a former state representative from XXXX, I served on the XXXX. I realize the problems banks are facing but I had no idea that besides me -- there were XXXX XXXX other customers who were LIED to and cheated by Wells Fargo. I will not be intimidated by them and I wo n't pay these corporate " crooks '' a XXXX. I am XXXX years old and this bank should be there for their customers. I want to file a formal complaint.

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 2016-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am using Wells Fargo as my primary bank account. On XXXX XXXX, 2015, someone has been using my card without my permission ( Unauthorized transaction ). My card were not stolen ( I had my card with me ). The unauthorized transaction was being made at XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX 's ), XXXX XXXX ( XXXX ), and etc,. XXXX transaction with the same amount of {$36.00} were made in XXXX ( total of {$73.00} ), XXXX transaction of exactly {$100.00} was made in XXXX, XXXX transaction of exactly {$200.00} was made in XXXX XXXX ( Total of {$600.00} ), XXXX transaction of {$2600.00} was made in XXXX 's and XXXX transaction of XXXX was made in XXXX. I was in XXXX XXXX with my wife on the same night ( As a proof, I made some transaction inside the city of XXXX XXXX ). All the transaction made within XXXX XXXX were done by me and my wife, but other transaction made outside the XXXX XXXX, such as XXXX XXXX and XXXX XXXX, were not me or others with my permission. Also, I was within the XXXX area, so every transaction I made was inside the XXXX of XXXX XXXX ( such as XXXX, XXXX XXXX and XXXX was used by me ). I filed my claim to Wells Fargo, and they gave me a temporarily credit of {$3400.00} on XXXX XXXX, 2015. But, I just received a mail saying that my claim is closed and they deducted the temporarily credit of {$3400.00} from my account. On the letter, it said, they have completed their research of my inquiry about charges to my account. Based on the information available to them ( Wells Fargo ), they found the charges were made by me or someone who had my permission. I do n't know what exactly happened because I had my card with me, and the only people who knows my pin number is my wife and I. But my wife is always with me 24hours a day, and she was with me on that day too. Also, it 's funny because I have never been to XXXX, XXXX, XXXX XXXX, XXXX 's, XXXX XXXX or XXXX XXXX before. How can I make a transaction in a place I have never been to? Please help me find my money back. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
re : Case number : XXXX The company is stalling and refusing to provide a SIMPLE, ONE SENTENCE LETTER, that documents the FACT ( per federal court records and VERBAL statements by the lender ) that my mortgage is NOT IN DEFAULT and that ALL PAYMENTS ARE CURRENT. 

It should not require another FEDERAL complaint to satisfy this absurdly simple request for a one sentence letter documenting my payments. 

The mortgage company is DELIBERATELY being unresponsive and uncooperative. They do n't want me to have the documentation. If they did, they would n't be making such a big deal about it. AND STALLING STALLING STALLING or flat out REFUSING to provide even a simple, one page print out -- -- like they have done every time I have asked for anything from them.

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 2016-10-21 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I set up a balance transfer from my XXXX credit card to my Wells Fargo credit card on XXXX/XXXX/2015 in the amount of {$7500.00}. The transfer was initiated through Wells Fargo, and they were to send the funds to my XXXX account. The balance appeared on my Wells Fargo bill very quickly, but has never been applied to my XXXX account. I 've talked to XXXX banks many times, but with no resolution. XXXX banks claim to have done multiple investigations to find the transaction from Wells Fargo to XXXX, and both claim to find no issue on their end. 

XXXX has informed me all they need from Wells Fargo is a transmittal report for the wire transfer ( which was described to me as a receipt for the transaction ). Wells Fargo says that they " do n't do transmittal reports '' or any other type of confirmation, other than their internal tracking number ( which is useless to XXXX ). When I asked why they ca n't give me a receipt, I was informed that it is their information and they do n't have to share it with me. 

I 've been trying to get this resolved for more than a year. During this year I 've been having to pay XXXX bills, not to mention the additional interest on my XXXX credit card ( about {$1300.00} ). 

Since this balance transfer was initiated, I 've only been able to make the minimum payment on these XXXX credit cards, instead of being able to pay down XXXX credit card. As XXXX cards have been close to their limits during this time, this has negatively affected my credit score. 

Neither bank is willing to communicate with the other to get this issue resolved, and I do n't know how to proceed. 

See attached file " XXXX '' for a summary of interactions I 've had with Wells Fargo and XXXX representatives in an effort to get the issue 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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Recent Hospital bill was placed in collections on my credit report for my adult son who has not been covered under my health insurance, since XX/XX/2009. XXXX Hospital then transferred the bill to collections company Transworld Systems. After multiple contacts with Transworld Systems as well as XXXX Hospital Billing, Transworld can find no information on any accounts in my name but a Derogatory report from their company remains on my Report. I have ran in to credit issues over the years and have been working diligently to repair my own accounts and it is disheartening to find Derogatory marks due to inaccurate credit reporting practices of XXXX businesses, that affect all aspects of my financial life. It makes me wonder how much of my former credit problems may have been caused this same manner and missed on my part prior to paying in effort of repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Access to money from check deposited at Wells Fargo AMT in XXXX was denied for 2 weeks. Normal hold is 3 days. Reason given by bank rep : check should have been deposited at bank branch, not ATM. Check from sale of stock for more than {$7400.00} was needed to pay rent and holiday expenses. When called, bank rep simply said something was wrong with check from XXXX. In fact, responded rep at XXXX, check had already been cashed and funds credited to ny wells Fargo account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I started a loan modification program with Well Fargo in XXXX 2016, I made the XXXX trial payments in XXXX, XXXX and XXXX of 2016. We are now into XXXX of 2016 and the plan is still in limbo, I have had nothing but difficulty in getting this resolved with Well Fargo, as I have made over XXXX phone calls and ca n't get no-where. I have had XXXX different people assigned to work with me by Wells, the last XXXX named XXXX XXXX, has been extremely difficult to work with. I recently asked to speak to the manager of his department, I left a message for her, but have never received a return call. When I do get a live person in their modification Department, they always look at my account, they say everything looks good, so they place me on hold, so they can contact the title department, once they come back they always say, the title department says all is good and will be mailing out your paperwork to sign. Unfortunately, this paperwork never comes. Recently, I received a phone call from XXXX XXXX, he left a message saying that I would now need to file an appeal since the time frame for completing the paperwork had lapsed. 
This was the last draw, I have sent them everything XXXX to XXXX times, so they are going to punish me for their incompetence? I have more then jumped through hoops for these people, I have not missed a payment, but they seem to move the finish line each time. I can never get a straight answer from them, it 's just maddening.

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 2015-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
RE ; WELLS FARGO - LOAN # XXXXPlease help me avoid foreclosure, it is now over XXXX months since i requested help from my mortgage company regarding a HAMP loan modification. for the past XXXX months Wells Fargo has assigned XXXX different negoatitors to review my application and every time i get assinged they request for the same documents over and over again. 

Please help me since i have provided every single document to qualify for a loan modification and now as of XXXX/XXXX/2015 Wells Fargo told me that i was denied because it is not on the best interest of the investor to help me keep my home. 

Now i am frustrated and upset since it is now almost XXXX months going back and forward with Wells Fargo playing games. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo closed my credit card with out notification. They stated that they closed the card because it was not used for 6 months. This action taken by Wells Fargo has had a negative impact to my credit rating.

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 2015-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I refinanced my mortgage with Wells Fargo back in XX/XX/XXXX. They sent me a copy of the satisfaction letter at that time which also goes to XXXX XXXX to show that the mortgage has been satisfied. Wells Fargo sent this information for a property in Minnesota. I found this out while trying to close on the sale of my home back in XX/XX/XXXX. In order to close on the sale, I had to leave money in escrow with the Title company until this gets cleared up. Wells Fargo has been giving us the run-around with no responses, wrong responses. They sent the wrong response twice to XXXX XXXX. I can not seem to get them to understand the gravity of the situation and their lack of timely/correct information is now jeopardizing my ability to close of my new home since my money is tied up in escrow. 
Help please!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo 's online banking app gives you a convenient button on the account summary page to pay the credit card balance. But after clicking that button the next screen there are 3 payment options : 1st says " Total amount due ( Includes current amount due, past due and/or over limit amount and fees ). 2nd option says : " Past due amount ''. And 3rd says " Other '' with a space to enter an amount. This is misleading. It implies that option 1 is payment of full balance. One must understand the bank 's twisted lingo that " Total Amount Due '' is not the same as " Total Outstanding Balance ''. Total Amount Due is actually the MINIMUM amount due. Twice my wife and I have had paid the " Total Amount Due '' thinking we were paying off the whole balance, only to find out interest charges and fees the next month. Essentially by being misleading about " Total Amount Due '' the bank misleads us into keeping an outstanding balance on which they charge a ridiculously high fee. They could solve this problem by easily having another option that says : " Pay full outstanding balance '' with the amount shown automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I recently paid off balance in my personal line of credit. My checking account was immediately debited. But as of two business days later, the credit to the loan account was still not posted. XXXX accounts are on books of Wells Fargo. When I inquired, I was told it takes up to 3 days to post the payment. Remember : these are book transactions. After several frustrating attempts to get a simple answer, I am appealing to the CFPB. If it takes 3 days for whatever reason but loan account is credited on backvalued basis to date payment made, then I am not charged extra interest. I can not get a straightforward response from Wells. I have attached the email exchange so you can see this firsthand. 
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 2016-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There 's been a gross miscarriage of justice committed by Wells Fargo Bank with regards to my mortgage. My XXXX family home is in XXXX XXXX, and when Hurricane XXXX hit, I was a XXXX resident. I have since moved back into the home. I received no FEMA assistance, because I did not occupy the home. There was a foot of water in the house. Wells Fargo offered me XXXX six month payment moratoriums and promised to put the arrears on the back end of the loan, via a mortgage modification. Wells Fargo then sold the mortgage to XXXX in 2013 for a mortgage backed security issue, and the terms of the payment moratorium and mortgage modification changed. The new investor then demanded the full sum of the payments and my home is now in foreclosure. The investor will not give me a modification, after numerous attempts. The investor is uncooperative and has stringent modification terms, which are unattainable. There has to be a regulatory agency that can thwart this illegal act. Wells Fargo is culpable, the XXXX mortgage back security is culpable and I 'm now at the end of my rope, fighting to keep my home. I do not qualify for the XXXX Homeownership protection program because my income is $ XXXX above the maximum. I 've poured my blood, sweat and tears into my home. I 've sought legal counsel, who could not stave off this investor. I do not qualify for HAMP, because this is an investor loan. I 'm one of the forgotten homeowners who can not benefit from any of the government mortgage programs that were put forth by the Obama administration. From a debt to income standpoint, I can afford the mortgage. Affordability is n't the issue. I 'm pleading for your assistance with this issue. There was a summary foreclosure judgement entered recently. I 'm running out of time. Please assist me. I look forward to hearing from someone from your office. Thank you so much for any assistance that you can provide.

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 2016-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Initially opened a home equity line of credit ( ELC ) with Wachovia which Wells Fargo ( WF ) took over during transition of companies. We always paid greater than the minimum amount due each month on our ELC. XX/XX/2015, WF forwarded, attached ltr, indicating changes to how WF would handle payments on our ELC. Never understood explanation, although, I spoke with a WF rep & it was indicated they had not been applying our interest properly. WF rep offered an unsecured personal loan, but told them I was not interested. Because my ELC was used for many items, my balance was a high one, so I felt WF was being honest with us. Due to how the interest was now being applied, we could only afford to pay only interest and our principal became stagnate since we maxed out the principle. With recent publicity on WF 's questionable practices, could someone please review our attached letter and determine if this was a legitimate and reasonable action WF took on us. Due to us only able to pay interest on our ELC, it forced us to refinance our ELC with another financial institute. If you find this ltr is most appropriate, I will consider your action complete. If you need further information from us, including copies of our original contract with Wachovia, please advise. Your review is greatly appreciated.

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 2015-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I had fraud on my checking account with Navy Federal Credit Union. This happened while I was in XXXX, the person who did it was XXXX XXXX, I submitted all the fraud affidavits filed a report with the police in XXXX, XXXX and filed a ftc report as well. In addition I filed the fraud paperwork Navy Federal Credit Union sent me. This still has not been resolved. Navy Federal has blocked access to my accounts and say I owe them for this. I have filled out all the paperwork, filed police report but still they will not let me access my ccounts or give me new account numbers.

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: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I took out a 18 months zero percent interest by XXXX name change. I sign loan with XXXX company. They sent loan to Wells Fargo and they set payments low so i could'nt pay off in 18 months. I 'm a senior and did n't realize this. Until 18 months was sent bill i owe XXXX company still XXXX and Wells Fargo XXXX interest. Please help me to understand this. Im just confused. Need Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
My husband and I applied for a mortgage loan with Wells Fargo, were approved for a determined amount and were advised of a monthly payment based on that amount. I inquired about whether or not the monthly payment was accurate because it seemed too low, and was advised via email and via telephone that the monthly payment was accurate. We built our house with that understanding but once complete and we were to sign paperwork for our mortgage loan, we were told they miscalculated our monthly payment and it would actually be {$300.00} higher than what we were quoted.

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