vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo Home Mortgage and Wells Fargo Bank took it upon themselves to make a payment in my father 's name from an account that belongs to my father in front accepting embezzled money that has been withheld from the owner of the property at the same time yesterday on a recorded line was stated that the loan was paid off several times and that when the loan was paid off in 2013 Wells Fargo made themselves the beneficiary along with others being the trustees where is the trustor and grant or XXXX XXXX XXXX XXXX has no possession of his home but Wells Fargo XXXX XXXX title XXXX XXXX and other companies are making money off this property illegally by it being broken up and sold XXXX XXXX specifically states that No entity may perform actionaction that specifically does not regard the utmost well being of the borrower especially when using limited powers of attorneys. full disclosure has been requested and ambiguous remarks and results have been given at no time has the accounts been disclosed on the currently being used for the security instrument guaranteed by this bank to belong to XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-10-01 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On the morning of XXXX XXXX my son XXXX XXXX ( a student at XXXX ) received a call fro someone claiming they were from the FBI. The scammer used many threats to scare my son into going to XXXX and XXXX XXXX to purchase XXXX cards. 
In the beginning XXXX used his Wells Fargo debit card to purchase these cards to the value {$1700.00}. at XXXX. A purchase he would never normally make. 
Later XXXX was told to go to XXXX XXXX to again purchase XXXX cards to the value of {>= $1,000,000}. This time he had to use a credit card because his savings account was now empty. 
We have fought with XXXX and eventually had our money returned because this was fraud. 
My question is, do we have any come back with the debit card purchase of {$170000.00} that XXXX was forced to make at XXXX. 
This was all the money XXXX had in his savings account. 
We have all of our accounts at 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 explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells fargo applied a personal loan for me without my knowing, i was forced to sign a document not knowing what i signed for and not knowing what the document is. wells fargo pulled my credit and lower my score without my consent. the unethical practice is unbelievable and the bank should be a national shame. The application number i got in the mail is XXXX. the bankers and managers at XXXX, MD dont know what they are doing, practice unethical account openings, elderly abusive, and take advantage of poorly english speaking immigrants.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo wo n't honor a line of credit that was supposed at prime rate and no fees.

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 2015-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concern, Our family was offered a USDA loan modification from Wells Fargo which began on XXXX XXXX, 2015. The offer required a down payment of {$1400.00} to be made by the date of XXXX XXXX, 2015 in order to accept the offer. In addition to having made the initial payment and consequently completing an extra payment of {$1400.00}, XX/XX/XXXX ; we have still not received our permanent loan modification. 

Our relationship agent XXXX XXXX has not retuned any of our calls since XXXX XXXX, 2015 and we feel that the final adjustments to our account have not been made. We are also concerned that Wells Fargo is in some way attempting not offer us the permanent loan modification and place our account back into default. 
*See Exhibit A -XXXX- USDA Loan Modification OfferOur escrow account is also a major concern as well. Due to my XXXX status as well as limited earning potential I 've been fortunate enough to be granted a property tax exemption. This exemption enables our family to be charged no more than {$380.00} for city taxes rather than {$1900.00}, no matter if the taxes go up. Wells Fargo has been made aware that these adjustments are to be made to my escrow account and have refused to dos so. These extra costs being charged to my escrow account have placed additional burden on our family to make payments for our mortgage. 

*See Exhibit B -XXXX Tax Proof of Exemption documentWe feel as though our family is getting the run around and we are seeking intervention from your offices. Wells Fargo is not keeping a transparent process and is abusing us by not adjusting a large negative balance to our escrow, even after receiving proof of the exemption via fax. 

No one is returning our calls regarding this matter and we 're entering into month # 3 and no adjustments have been made as discussed with XXXX XXXX on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
This is a complaint about Citi bank credit card electronic transfer fraud by Citi bank. As of XX/XX/2015 they issued a payment via mobile transfer from my Nevada state bank account to payoff my credit card account without authorization. My bank reverse the charges, after I notified them and adviced me to contact Citi bank to investigate how and why this occurred. After getting the run around at citi bank they refuse to tell me how this transfer happened. I am attaching a copy of my payment transfer to this credit card for your viewingI thank you for your help and consideration in this matter and hope to hear from you soon.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Someone used my name without permission to apply for auto loan. Now that person is in default and Wells Fargo continuously calls me for information on that person. My only concern is whether or not my credit is/or will be affected. I have a stellar credit rating and hope that this will not affect it. I never signed or co-signed any document ( s ) giving my approval for this loan and would appreciate it if Wells Fargo would not continuously contact me in regards to this matter. I had no knowledge that my name and phone number was used in this matter until Wells Fargo started contacting me. It is very annoying to me since I pay all my debts on time and none of my creditors are looking for me for debt that I owe because I pay my creditors on time when due. How can I get Wells Fargo to stop calling me interupting me for a matter that has nothing to do with me.

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 2016-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo add XXXX {$35.00} overdraft fees the same day I had a direct deposit in my checking account. In addition they add {$12.00} fee for moving money from my saving to checking account. This is in sane and worst than the shark loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I refinanced my car loan with navy fedral. I signed all the required docments that was sent to me. my car payment went from XXXX to about XXXX. I was XXXX the military. but then some how my payment went from XXXX to XXXX i did n't notice the change becuse i was XXXX. when i got back i noticed it and i asked why my payment went up. they told me i was surpose to add Navy fedral to my tile which i did. i was told they will change my payment back to what it was before and i would get my retro back pay the three years that i was XXXX. but it never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I have a checking and savings with Wells Fargo. I was mailed a fraudulent check and my bank did not hold the check to see if it was fraudulent and I used it and now the bank will not guarantee it. Now they are demanding for me to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
received numerous phone calls on behalf of XXXX hospital in an attempt to collect a debt owed telling me they were going to take legal actions if i did not pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
my COMPLAINT IS WELLS FARGO HAS REFUSED to HONOR OR RECgonize REGULATION Z AS IT RELATES TO AN HEIR being place on a existing loan mortgage. I AM THE ONLY HEIR TO MY MOTHERS PROPERTY that was left to me via her will i am the executor of her estate and have met with nothing but lies and deceit from wells fargo loan number XXXX. Their stone walling has but one intent and that is simply to drive the home to foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SQUARETWO FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX is reporting that they bought my XXXX account in XX/XX/XXXX. The XXXX Account was opened in XX/XX/XXXX and has been closed for a very longtime. I have written all the credit reporting agencies in an effort to remove this inaccurate credit information ( Exhibit # XXXX ). The XXXX Account ( ACCT # XXXX ) was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/XXXX ( Exhibit # XXXX ) and was discharged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo received a legal order on XXXX/XXXX/16 ( one day order ) and processed that day. On XXXX/XXXX/16 supposedly received another legal order of some sort they called an " extention '' of original order. WF did not give this copy to me when requested. I called legal department several times to specifically ask if an additional outside order existed and was informed one did not. Asked why WF overdrew all of my accounts on XXXX XXXX, was told an " escalation '' was in the works to see why accounts overdrawn and was told 20 days to rectify situation. On XXXX day at XXXX CA time, phone call informing me that said check will be mailed out. I do n't understand how WF can overdraw my accounts to satisfy a legal order that they already processed on XXXX and then tell me they are investigating the reason for the action that overdrew my accounts but still act as if the check will be mailed to satisfy the supposed " extension ''. XXXX/XXXX/16 spoke to XXXX XXXX in Arizona to investigate further why accounts were overdrawn on XXXX XXXX. Not feeling confident that this matter will be resolved to correct accounts to previous balance positions. Legal department gives incorrect information when consumer calls to get information on issues. I feel they give us the run around to cover their incompetence regarding the processing of legal orders. When asked if they employ actual lawyers, the answer is no. I do not want to be added to the list of consumers that are unable to open accounts at other financial institutions if my accounts are left in the overdrawn state caused by the legal department. I need answers and help. We have opened a complaint against the legal department as well - today XXXX/XXXX/16 with WF customer service.

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 2016-05-24 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have a jewelry account that is held through Wells Fargo. I have XXXX promotional balances that are currently active. XXXX is equal payments with a fixed interest rate of 9.9 % and XXXX are interest free if paid within so many months ( interest rate if not paid is 28.24 % ). I paid additional payments that I wanted to apply to the no interest balances so that they would be paid off within the promotional period. Wells Fargo applied the additional payment to the balance with the lower fixed interest rate. I called them and they refused to re-allocate the payment. This will make it impossible to pay the balances that expire within the next 10 months unless I pay XXXX payments of over {$700.00} the last 2 months prior to the promotion expiration.

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 2017-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XXXX 2016 I had snow damage to a aluminum awning that is attached to my house.State farm issued a check made payable to me and to Wells Fargo.Well Fargo will not release the funds to me so that I can get the damage fixed. 
They told me it has to be monitored. They want to release funds to contractor in increments. This process is impossible because it only takes contractor one day to complete. my loan is current and the amount is XXXX dollars which is under their threshold. I can not get this fixed until they release the funds to me. This awning is about to fall and I really hope nobody is under it when it does fall.

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 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo ( WF ) did not submit payment to my hazard insurance company ( from my escrow account ) in time for the payment to be processed before the due date. I found out about it when I received a written notification from the hazard insurance company notifying me that " my policy expired because they did not receive the minimum payment required to continue coverage ''. I had to spend almost XXXX hours on my cellphone talking first WF, then to the hazard insurer, then again to WF to find out what happened. WF told me they remitted payment on XXXX XXXX ( which is what my escrow acct reflected online ) but the hazard insurer sent me proof the payment was not received and processed until XXXX XXXX ( 20 calendar days later ). WF later admitted they normally remit payment 7-10 business days before the due date ( which was XXXX XXXX ) ; however they were unable to explain why they did not remit payment until XXXX XXXX ( only 6 business days before the XXXX XXXX due date ). The hazard insurer also had no knowledge they should have been billing WF directly, rather than me, the borrower. This is something that WF should have informed the insurer of, especially to ensure the correct mortgagee clause is included on the policy. As an educated person in the financial sector, I expect my mortgage lender to accurately and timely remit payments on my behalf when they require an escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I write this to call your attention to the manner in which your representatives at the branch in XXXX, NJ have chosen to do business which is absolutely deplorable! To attempt to earn inter company marketing and sales credits by opening and closing accounts and manipulating them is both ethically atrocious and against state and federal banking regulations. This is now the THIRD time in the past few years that people from this bank have XXXX with my accounts to my detriment. I am enclosing email correspondence between myself and your representatives that will be self explanatory once reviewed. 

Very briefly the story goes like this : On XXXX XXXX, 2015 I received a phone call from the Manager, XXXX XXXX XXXX offering to increase the interest rate on my savings account. I related my bad history of dealing with the people at this branch who XXXX my accounts in the past when I moved a large sum of money to Well Fargo and that I had to go back to the bank and do it all over after the bank rep who did this was fired. I did not want to go through this again. I then received a phone call XXXX that a line of credit was being processed and that my checking account would have to be closed and another XXXX opened at which I told him that I will not agree to any of this until I see the terms of the LOC in writing and agree to them. Next thing I know I receive an email confirming my LOC account was established without my knowledge. The following day I receive the terms to that LOC which I did not approve. I immediately sent in WRITING a notice to the XXXX reps that I did not agree to these terms and that they opened an account in my name without my permission, and they are to close that account immediately as they had acted improperly. This all fell on deaf ears, and yesterday I received a bill for the annual fee {$25.00} for this LOC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I its my job. Fell begins my payments. Finally found a job. Trying to get a hold of Wells Fargo to make a payment. Wells Fargo had a message stating XXXXXXXXXXXX representatives can help me at this time. Yesterday at XXXX XXXX Wells Fargo credit line collections called and disconnected the phone as soon as they heard my name. Then Wells Fargo calls stating I am not answering. I have video recordings of the phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
i was in a auto accident on XX/XX/2014 i was taken to XXXX XXXX .This is a bill that they sent to collection. It was for XXXX & XXXX .I did call XXXX and told them that they would get paid when the case was settled, well they turn it over to Peter Roberts Assoc Inc for collection.i also talked to them and they said not to worry about it that when it got settled to contact them. It is still in my lawyers hands so It got on my credit report. I feel this should never happened I would like this matter taking off my credit report. This made my credit score go down. I always pay my bills and i`m proud to have great credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a co-signer of my son student loan which was originally with XXXX XXXX issued on XX/XX/2008. My son defaulted on his loan several years ago. Wells Fargo discharged the debt after 8 years and issued separate XXXX to my son and me for the same amount. My original involvement with this loan was a co-signer and acted only as a surety on the loan. My son received the benefit for receiving the loan. Based on Treasury Regulation section 1.6050P-1 ( 7 ) Guarantors and sureties, solely for purposes of the reporting requirements of this section, is not a debtor. Thus, in the case of guaranteed indebtedness, reporting under this section is not required whether or not there has been a default and demand for payment made upon the guarantor. As a person who sole purpose was to act as a surety or guaranteed of my son 's loan - my credit rating was used to help him acquire that loan, a XXXX should not have been issued against me. I gain no financial benefit on this loan. Wells Fargo, which acquired this loan after XXXX XXXX, falsely reported this to the IRS against treasury regulation and falsely implies that my income benefited from this loan. Again I was only a co-signer not a co-applicant or joint owner of this loan. I called Wells Fargo Executive office concerning this issue and they refused to correct the matter even after I stated the regulation to 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