vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was offered a no interest balance transfer if paid off within 18 months as long as I made a minimum payment towards that balance transfer each month. I continued to use the card as usual for other regular purchases. Despite the fact that I regularly paid the outstanding balance in FULL and more than the required minimum payment, I was still charged interest on an unknown amount and Wells Fargo was either unwilling or unable to tell me exactly how or why they calculated the interest fees - I called twice to inquire about this issue and was not given satisfactory answers at either time. Finally, I was told that the only way to avoid interest fees was to pay the entire balance in FULL immediately. This feels like a bait and switch since I was never able to gain the benefit of the no interest offer that was made. This has happened for several billing cycles thus far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XXXX, 2015 I, XXXX XXXX called in and spoke directly with XXXX XXXX ( XXXX ) XXXX XXXX, whom Wells Fargo Home Mortgage Executive appointed as my point of contact. Due to her lack of understanding and knowledge to grasp the simple requests I made in previous correspondence and her inability to control herself when engaged in a conversation, playing semantics ( constantly talking over the client, to attempt to control the conversation ), I hereby request a different point of contact. It is my observation that the representatives are trained to become passive aggressive and combative, in an attempt to upset the mortgage holder. In inquiring this matter with several Wells Fargo Mortgage holders, legal counsel and the XXXX organization, they all agree that this is common practice with Wells Fargo. It is my goal to resolve any and all confusion when it comes to the deposits I have made, but I can not accomplish this task if I 'm not given the tools on the end of the Wells Fargo Organization to compare how they applied the money I deposited into my account towards my mortgage and my records, without them sending the records, they posses for comparison. So moving forward, I request a representative whom possess knowledge, respectfulness and professionalism, whom will listen to the concerns of the mortgage holder and resolve the problem, so that we can both move forward.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I submitted an online HELOC application to Wells Fargo. In the submission process the applicant ( me ) is advised that a email confirmation will be sent once the application is submitted. I completed the application, and expected to receive a notification email from Wells Fargo. I did not. Then 1 - 2 days after I submitted the online application, I called Wells Fargo Consumer Lending to follow up. I was advised that an email had been sent, but to an email address which is not mine. At this time, I asked that the question of the incorrect email address be addressed and escalated. I have received no response as of this date. I have again, today XXXX XXXX 2016, contacted Wells Fargo, and have been told that there is no status or information available to me for this 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 2016-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo has repeatedly called and ask for debt assistance. This disclaimer can also be layed down to FDIC for further comment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have an account with XXXX promotional balances. XXXX promotion is scheduled to end on XXXX/XXXX/XXXX the other on XXXX/XXXX/XXXX. Prior to opening the XXXX promotional balance my minimum payment was around {$85.00} once the second account was open my minimum payment went up to {$100.00}. Because my promotional balance is due in XXXX XXXX I made a large payment to avoid being charged. {$450.00} in interest. After the payment was made. Wells Fargo changed the minimum payment on XXXX balances without notification and is only applying {$2.00} of my payments to the balance that is about to expire. 

The summary of my complaint is Wells Fargo changed the terms of our agreement without notifying me, and they apply an unfair amount of my payment to an account where it is n't required with the purpose of collecting an extra amount in interest.

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 2016-01-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX at XXXX, XXXX, MI XXXX is offering me a settlement of a debt that was open in the XXXX 's. They offered me a settlement {$700.00} from a debt balance of {$1700.00}. I have several concerns for instance, the orignial creditor was Wells Fargo. I agreed to pay {$50.00} a month until paid in full. However, this collector is acting very secretive, there is know contact phone number to communicate with them on a regulat basis. Also, I wanted to reduce the amount to {$25.00} because I am on fixed income. I mailed a letter to them in this regards but have not receive a response. I made my first payment of {$50.00} on XXXX/XXXX/16. I was trying to notify them of changes but have been unable to communicate with them. This sends a RED FLAG that maybe these people ( XXXX ) are not a legal collection company. I am worried that they may be a scram please look into this company 's debt collection practices ASAP. I will enclosed their location that they sent me. See Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX PS : I have the original letter that was sent to me I can fax this information to your office because it has the account number on it which I did not include here because of sensitive information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have had Wells Fargo as a secondary bank account for years and have had to close my account for too many issues regarding fees and fraud. The final straw was a fake check that was allowed to be cashed and the horrible way in which it was handled in order to have the money replaced. It was a substantial amount and until the police became involved, I was getting resistance from Wells to put the money back even though they admitted that the check was fake, not written or approved by me, and that it may have been an inside job.

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 2016-01-08 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HONOR FINANCE, LLC
State: MI

Complaint narrative:
In XXXX XXXX the vehicle was a total loss. My insurance paid Honor Finance off. There was a balance owed by XXXX XXXX for the cancelation of the vehicle warranty. They have been calling and harassing me for months. They even tried to sue me in court. But on XXXX XXXX, XXXX the day of the hearing XXXX XXXX paid them by check for the balance owed. But here it is XXXX XXXX and they are still calling and texting my phone i have forwarded them copies of the email between me and there Attorney with a copy if the check and letter closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have a Health Savings Account serviced by Wells Fargo , N.A . When I opened the account, the service fee was {$2.00} per month. They changed the fee to {$3.00} per month since then. I can not close out the account because it would cost me a 10 % tax penalty. WF knows they can steal {$3.00} from me and there is nothing I can do about 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 monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I signed a XXXX home purchasing contract. I was processing XXXX loan from wells fargo. Well fargo agent fill up and information and gave me approval letter. I paid the loan rate and processing fees. Then I have submitted contractor bid.They have gone through contractor bid. When it comes to closing date after 4 weeks of bid submission. Wells Fargo called me and rejecting contractor. They ca n't close it with this contractor and they want extension and go with new contractor. Now, They gave me their contractor detail to submit the bid. I went with contractor with high bid. Then they were delaying it and extend the closing date. We extend the closing date. I was middle of the switching company. I told them beginning of the loan process that I would be moving to another company, which will have future employment. I would not be get paid until I start the project. Agent told me that it would be fine and she would be closing it. 
Now, They verified with my new employer XX/XX/2016. They will be closing it next week. They need another extension. we did extension for 2 weeks for them to close it next week. But they did n't close it next week and they went for 2nd week and calling again employer why I did n't start to get paid yet. I told them that I would get paid when I start the project. Now, last minute, Bank under writer would n't close the property. They could have told me long time ago. i could go to another lender. Now. Fannie mae would n't extent anymore. 
Agent promised me that They close property with 45 to 60 days. It is more than 90 days, they could n't close my property and denied it last minutes. I lost lucrative property and over XXXX equity. I had go through over 60 days of hard work, XXXX, put together contractor as per their request and spent lot of time and stressful time with this agent request. They took money to close the property. 

I am filing report to band this agent and wells fargo to practise loan processing in NJ. 

you can reach me at XXXX XXXX XXXX or email me at XXXXXXXXXXXX

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 2015-06-18 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I use Western union to send money and I have to constantly call to get money released and I do n't get the issues resolved, one person from the company tells me that I do n't need to call to get it reased but then when I send the money it wo n't get delivered to my famy member unless I call, I get charged for the service and I expect to get it, today was an agent being really unhelpful and rude just making me feel uncomfortable and global sanction and interdiction department wo n't help me. I still get charged and get not the device I 'm paying for. They will not help me resolve the issue, I have spent about 10 hours ( combined ), trying to get them to give me a service as they supposed to since they are getting paid for it. I asked for an explanation and they ca n't seem to give me a clear one, they want me to call every time even though I should not have to call, my friends and co workers have use the service and there was no need to call customer service for it, they can use the online service and will be done XXXX operator XXXX from the department in charge on this complaints will not even attempt to help me. Please help me to not have to stop work or whatever I 'm doing to get service as I should. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo charged my checking account {$35.00} for overdraft fee when there was sufficient funds in the account to cover the check. This occurred on XXXX XXXX, 2016. The check was cashed and not returned to the payee because of insufficient funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Our 2nd mortgage ( lien ) with Wells Fargo was released ( without request ) and has now driven down our credit scores so now we ca n't get credit. At the end of the term, we were unable to pay the full amount of the loan, but kept making monthly interest payments, which WF would not accept and returned 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 2016-04-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX of XXXX Ny offered a special 0 % financing offer to buy furniture through WellsFargo. After initiating the offer and signing the agreement Wellsfargo contacted me by mail informing the agreement signed is not valid after further review. Instead of the signed agreed upon 0 % they will charge me a 28.99 % finance charge. This is against the marketing and the agreement XXXX offered. I am unsure if XXXX was aware of this issue from the onset, the 0 % financing seemed to good to pass up and outside of XXXX normal financing agreements. I seriously doubt this is an isolated incident either. The scheme involved having to spend X amount to obtain the length of time of the agreement and the 0 % financing. Also instead of being a finance loan it is being pawned off or reported as a credit card, not line of credit. A fixed amount and payment will effect my credit report differently then a credit card. This account may substantially effect my debt to credit ratio impacting my credit worthiness. This whole situation is quickly becoming increasingly predatory. I have e-mailed both WellsFargo and XXXX about the issue.

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 2015-03-23 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I ran into a finacial crunch had to borrow some money. I usually borrow from reputable companies. I was online doing a serach and I came across Cash USA after reading that it was a revolving account I said that was good I looked at their pricing and it stated that for the XXXX XXXX I borrowed my payment would be XXXX monthly or XXXX biweekly. They sent me a statement saying that my XXXX payment was {$220.00} and XXXX weeks laters they expected another XXXX That absurd who in their right mind would agree to pay someone $ 300XXXX per month for XXXX when I have borrowed XXXX and my payments was n't that high. I can not afford to pay anyone that kind of money. I needed to pay my water bill not get ripped off because I was in need. I have no problem with paying what I borrowed, but to pay that monthly is crazy. I immediately reached out to them by email and phone informing them of the situation they brushed me off as to say oh well you going to pay it. I made the payment of XXXX and that was my last payment because even if I wanted to give them that kind of money my paycheck wouldnt allow it. This company is taking advantage of people that is in need if I had that kind of money than I would n't been borrowing any from them. I am trying to get some assistance because I am rebulilding my credit and this is the last thing I need.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am an unemployed mother who owns a condo rental property. The condo was involved in a fire that originated in an above unit and was destroyed as a result. Unfortunately I lost my renter and am unable to pay my mortgage. The property has depreciated considerably from the time I purchased it. The unit is down to the studs now and is worth even less. When I contacted Wells Fargo to negotiate a reasonable short payment I was denied by the legal department. I feel like I am being taken advantage of by Wells Fargo Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was working with Wells Fargo to see what rates they had for mortgages. I was working with XXXX XXXX and once I found out that they could n't go any lower than XXXX % down, I told him to stop the process. I thought it was stopped but then I got a call from XXXX XXXX asking if we wanted to continue with the loan. I texted her that I had told XXXX that we were n't interested any longer a while ago. Then I received a letter in the mail that they had carefully reviewed our application and that they were sorry they were n't able to approve our request for home financing. I was upset because we told them to stop the process multiple times. Even though the letter indicates it would n't affect our credit I want this rectified.

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 2016-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I have been banking with wells fargo for about 3 years. I have had constant problems with their services. Starting in XXXX 2016, they claimed they investigated XXXX and refused to give me back my XXXX deposit for the rental car. I had to contact the attorney general in XXXX to get my money back. This month, they claim I do not have online banking, I am XXXX or something close to that in the negative in my account. I can not access my account anymore online so I can figure out what charges should be there and what charges should n't be there. I am currently stuck in XXXX, XXXX because of wells fargo. I have received several e-mails concerning this matter about my account. I told wells fargo to notify me when my account reaches below XXXX. I only receive maybe XXXX e-mails concerning this account. XXXX XXXX in XXXX, XXXX-XXXX XXXX XXXX down from the XXXX XXXX XXXX hospital claimed I was already in the negative when I arrived in XXXX, XXXX now another bank in XXXX, XXXX downtown area near the county courthouse claimed it was when I took out the XXXX from account in XXXX at a wells fargo account that made my account in the negative. I just trying to figure out what should be refunded on my account and what should be charged on my account.

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 2015-04-29 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I used Western Union direct bank for International money transfer for sending money XXXX. 
The money was transaction was done on XXXX XXXX, 2015 and they promised that money would be available on receivers account on XXXX XXXX. when I checked the receivers account on XXXX XXXX the money was not deposited. Then I call immediately to the Western Union XXXX Bank money transaction department. they said that the receivers bank was rejecting the transfer and money would be refunded to my account within XXXX business days. I was waiting for patiently those days and still money was not credited to my account. Every time when I call the representatives, they were saying that they were escalating the issues and problem would be solved within XXXX to XXXX hrs.But the problem would not solved, no one would be contacted and no follow up, waste of time, and money was not credited to my account. 
When I was using the XXXX or XXXX for international money transfer, money was deposited to receivers account on proper time with no issues. Even I discussed with receivers Bank Managers why money was rejecting when western union sending, they said that they are not rejecting it was western union problem.

Company response to consumer: Closed with explanation