vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I went online XX/XX/XXXX to make a mortgage payment to Wells Fargo Home Mortgage of {$1300.00} which is my normal payment. I noticed the payment had increased from {$1300.00} to {$1300.00}. My normal escrow analysis was done XX/XX/XXXX and my payment had gone up due increased property taxes and property insurance.I called Wells Fargo and talked with customer service agent XXXX on XX/XX/XXXX and proceeded to tell me the increase was due to a mistake in the modification process of my loan XX/XX/XXXX. XXXX also stated to me to protect my credit that I should go ahead and make the new payment and Wells Fargo would talk to me later about it.Wells Fargo has not contacted me in any form including mail, email, fax or phone to alert me of an increase of my mortgage. Wells Fargo refuses to accept my normal payment of {$1300.00} and due to this stance my credit record is now in danger. I am on Social Security XXXX and every dollar counts to me. How can a bank just decide to increase your payment out of the blue without proper notification and then refuse to accept the normal payment. I have reviewed my closing statements of the modification XX/XX/XXXX and Wells Fargo is incorrect.

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 2016-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
in an active dispute with Wells Fargo and they have locked me out of my account so I can not make my monthly payment forcing me to go over the 90 days down.

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 2017-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I spoke to XXXX employee number XXXXearly this month in XXXX last week approx XXXX and I was told that I should not be charged for any lapse on my Wells Fargo Insurance that was applied to my account XXXX. I waited the five days to see that credit of Insurance from XXXX to Present XXXX credited towards my auto loan balance. This Wells Fargo employee went as far as lying to me telling me I should expect a credit of {$11.00} a month credit from XXXX to Present XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On approximately XXXX XXXX, Wells Fargo and I ( the homeowner ) negotiated a mortgage release aka Deed in Lieu. They assured me that it would not reflect as a foreclosure because the foreclosure was never started, when I checked my credit report the loan is reported as a " Foreclosure '' and still day to this day almost 3 months later. During the months leading up to the agreement I had the home for sale. I received an offer of {$240000.00} but Wells Fargo turned it down even though my balance was only {$220000.00}. So when that happened and then Wells Fargo tricking me in to signing the house over to them they immediately put the home up for sale for {$270000.00} and pretty much stated that if the house sells for {$270000.00} I would get nothing and like it. How can they continue to do this to consumers. They lied to me when they said it was not a foreclosure but that it was a mortgage release program to avoid a costly and embarrassing foreclosure. So I reluctantly agreed. Please help me get that foreclosure off my credit report and find out why Wells Fargo turned down the purchase offer of {$240000.00}!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Due to a serious illness of XXXX of us beginning in XXXX, my spouse and I experienced financial difficulties that resulted in a charge off dated XXXX XXXX, XXXX, with our Mortgage Lender on a home equity line of credit ( second mortgage position ). Our first mortgage remained paid, but the home equity line lender, Wells Fargo Bank, obtained a judgment against us in XXXX, and has been receiving monthly payments ever since XXXX, currently in the amount of {$600.00} per month, being voluntarily paid by us. Since XXXX, we have been trying to refinance our home to pay off the judgments against us, by using the equity in our home, so that our credit scores will recover, and we can get fully back on track. But Wells Fargo continues to report the XXXX XXXX charge off as a current charge off, dated XXXX XXXX, in addition to reporting the XXXX judgment, which has caused our credit scores to continuously remain " deadbeat '' low, to the point that we can not qualify to refinance our mortgage to help clean up this credit mess. How can Wells Fargo continue to ding our credit score XXXX, by reporting both a judgment and a charge off against us, and show the charge off as only a year old, when in fact it occurred in XXXX? Please Help Us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In regards to case # XXXX here is the attachment of the envelope dated mailed XXXX XXXX 2015 from zip code XXXX. This contained XXXX XXXX XXXX 's fraudulent reply to my QWR, he received on XXXX XXXX 2015. XXXX days after receiving my QWR.. A clear violation of RESPA XXXX day reply rule.and attempt to commit fraud, by back dating the document which had no real info anyway. Also received XXXX XXXX the attached false resolution from XXXX XXXX XXXX. Still not disclosing the info I requested that will show WELLS FARGO and XXXX XXXX XXXX XXXX HAVE NO LEGAL AUTHORITY TO FORECLOSE.. tHE TRUSTEE SALE IS TODAY, AND MIGHT RIGHT TO DUE PROCESS OF THE LAW WILL BE VIOLATED BY THE SATE OF NEVADA AND THE U.S. ACCORDING TO THE 5TH AND 14TH AMENDMENT TO THE CONSTITUTION. PLEASE STOP IT IF YOU CAN. THANK YOU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is negligent in providing concise and accurate information. There are missing statements, no mention of all the numerous calls and letter writing I have made in an attempt to clear up my account. Funds that should have been applied to the loan were applied to late charges. One was corrected 30 days later, after I called and explained the additional funds were to be applied to my new payment amount. 
In XX/XX/XXXX I contacted Wells Fargo requesting assistance with lowering my interest rate or forgiving my second. I received conflicting information ; from there is nothing that can be done, to stop making payments to qualify for a loan modification to : " since you do not have a XXXX or XXXX XXXX loan, there is no relief we can offer you. '' I chose to request a Loan Modification and stopped making payments to qualify. I felt this was my only option. Like so many consumers, I did not understand who XXXX or XXXX XXXX was or what the ownership of my loan had to do with helping me. 

I made my XX/XX/XXXX payment and then stopped, per Wells Fargo instructions. I was informed I had to miss 3 payments before I could apply for a loan modification. During this time I received no calls or letters. I kept calling and asking for guidance and help. Not until XX/XX/XXXX, did I receive a notice that my Loan Modification was approved. Again, no notices or calls. The last monthly statement I received was XX/XX/XXXX. In order to keep my home I worked so hard for, I signed a Loan Modification agreement that I did not understand. I was not aware that the 11 payments missed from XX/XX/XXXX were added as a second mortgage frozen with a balloon payment due in XX/XX/XXXX, or that my HELOC was added to my first. I have asked repeatedly for this documentation, but have not received anything. I was not aware of my HELOC being added to my first and of the new second, until XXXX XXXX reviewed my account. 

How any consumer is to understand this web of an agreement is deceptive and goes against the Statement Wells Fargo claims as to being a responsible lender. To make the situation even more confusing, my tax-impound account kept changing my payment. They would decrease with a refund and then increase with a shortage. If there is extra funds in the account, why would n't it be applied to reducing my principal?

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 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am so sick of Wells Fargo putting holds on funds I deposit into my bank account and causing overdraft fees to my account. There has to be something that needs to be done to them. These fees are causing more hard to the average daily worker that 's working from paycheck to paycheck. The icing on the cake was when I made a deposit of {$28000.00} to my account and they put a 7 day business hold on my funds which is causing more overdraft fees. I have made payment arrangements with several companies to make my payments and now when they go to take funds out it will cause an overdraft fee. Then the company will put the payment through 2-3 times and each time, it will trigger an overdraft fee. Please make Wells Fargo pay for gaming the average everyday American please. We are just trying to live right, but I am so sick and tired of these BIG MEGA BANKS taking advantage of 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 2015-06-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XX/XX/XXXX and about XX/XX/XXXX I worked for a company that offered a XXXX plan to which I contributed the minimum necessary to get the employer match. The XXXX plan is administered by Wells Fargo. Since I 've left the company, my " date of termination '' has not been reflected in Wells Fargo 's system which prevents the withdrawal of the balance ( I have a rollover IRA account setup to receive it ). The date should be some time almost 2 years ago and no one seems to be able to resolve it. I 've contacted the company, XXXX and Wells Fargo multiple times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made an electronic transfer of XXXX from my checking account to my credit card account, both at wells fargo. Wells fargo now says it will take 3 days for that to be credited to my caRD. dURING THAT TIME THEY HAVE MY MONEY AND CAN EARN INTEREZST ON IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I closed my checking account with Wells Fargo on Friday, XXXX/XXXX/15 in person at the same branch I opened it 15 years ago. The teller confirmed that the account would be closed and handed me in cash the remaining balance. I also have a credit card account with Wells Fargo and it was setup to autopay from my checking account. Payment was due on XXXX/XXXX/15 in the amount of {$290.00}. I attempted to cancel that autopay but they do n't allow you to do it online. Since the checking account had been closed, I decided to not worry about it since could n't very well autopay from a closed account. I made payments of {$500.00} & {$1000.00} to the credit card account on XXXX/XXXX/15 from XXXX separate checking accounts outside of Wells Fargo. Both posted on XXXX/XXXX/15. Wells Fargo proceeded to deduct {$290.00} from my closed checking account and transfer it as a payment to the credit card account. This caused the checking account to be charged a {$35.00} insufficient funds fee. I specifically opted out of their overdraft system previously and chose to instead have them deny payment if insufficient funds due to their manipulation of their internal system to generate fees. They then transferred {$290.00} from my credit card account ( yes, the same XXXX they had just paid ) to cover the overdraft in the checking account and charged that account another {$35.00} for paying the overdraft. Another option that I had specifically exercised to not implement because of the outrageous fee they were going to charge for as little as covering a {$1.00} overdraft. They set the system up so they would make {$70.00} for any possible overdraft if you let them tie it to your credit card account. After speaking with the Wells Fargo claims department after sending them an email detailing the problem, I was informed by the claims department person that I needed to take this up with the local branch because she did n't show the account closed. So far, I 'm about an hour into trying to protect my money and still have to spend time at my local branch. I would n't file this complaint at this point except I doubt I 'm unique in this situation and I suspect that Wells Fargo has generated a great deal to their bottom line by manipulating accounts and fees and most people just give up rather than fight them. Of course, that 's exactly why your agency was created and hopefully you will be able to force them to quit these heinous practices. One thing is for sure, I made the right decision last Friday to close my account with Wells Fargo. Thanks for your time. I have enclosed a document that contains my account info and copies from online of what transactions took place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rochester Home Equity, Inc
State: NY

Complaint narrative:
We contacted Rochester Home Mortgage regarding a refinance after viewing an advertisement they placed. It turns out that the company purely induces people to submit documents and charges a " nonrefundable '' charge. There is no one at the company, they all " disappear '' when trying to further the process. They scam people buy charging the credit cards without intention of doing anything further with an application. They lie repeatedly and there is no actual business conducted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Enormous fees from unknown/questionable cash advances.

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 2015-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX XXXX, 2015 I closed my account out with Wells Fargo Bank. I was upset because of a previous charge that was deducted out of my account. 

I advised the lady who closed my account that I had XXXX outstanding checks and that I was going to contact them and make payment arrangements. She then gave me the money in my account and when I walked out the door I assumed my account was closed. 

I opened up an account with XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015 Wells Fargo Bank took a direct deposit into my closed account and deducted {$35.00} check fee and paid XXXX XXXX {$200.00}. This account was closed on XX/XX/XXXX. How come they took this money out? 

I went directly to the bank and talked with the manager. She advised me that my account was not closed and they had tried to contact me earlier. I never received any phone call and I have my phone on all the time because of the work I do. She was very rued and told me that my account is opened and to check back the next day to see if it was closed. 

Wells Fargo Bank took money that did not belong to them if they paid this check then they should of contacted me for the money not take it out of a direct deposit made by mistake to a closed account ... 

I feel Wells Fargo stole my money. I was late on rent and I could not cook xmas dinner for my family this left me in so much distress. It was horrible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
defrauded out of XXXX bywire transfer fraud/ scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Financial Resources, Inc.
State: FL

Complaint narrative:
I have submit a compliant last year regarding to a private student loan from the creditor XXXX XXXX XXXX XXXX. ). At that time the collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am beginning harassed about a debt that I do not owe. First Financial Resources , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX have notified me via US mail and I replied in writing on XXXX/XXXX/XXXX. I requested copies of all text books, labs, uniforms etc. but were not provided the information. This company mailed a copy of a contact on XXXX XXXX, XXXX. I have no knowledge of the contract. I am not responsible for the amount the creditor states that I owe. The creditor to this day have not provided me with proof of this debt as I requested ( ex. all books, labs, etc ). Why should I pay for something that I do n't know what I was charge for in details. Also, the company has threatening to place me in collection due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In XXXX 2016 was charged an over limit fee on XXXX of our business credit cards held with Wells Fargo. I spoke with someone directly at my branch asking if there was a way I can instead just have transactions declined instead of the over limit fee being automatically applied. I was told this was not an option. I have been charged {$39.00} for going over the limit a few times since, and after XXXX in XXXX I called to speak with someone and again was told there was no option to opt out of over limit fees. However, this is contradictory to information I have read on this site that states Consumers must " opt in '' to over-limit fees. Those who opt out will have their transactions rejected if they exceed their credit limits, thus avoiding over-limit fees. I would like to know why Wells Fargo is NOT allowing for this option. ( They did refund the fee charged in XXXX ). So far this year, including the XXXX charge, this XXXX card has been charged {$190.00} for going over the limit, {$39.00} each time. I would also like to confirm that the fee can not exceed the amount that has actually gone over the limit, as also stated on this website.

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 2016-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I was called at XXXX two days in a row and woken up because of it. The third day I asked XXXX XXXX from Navy Federal not to call before XXXX any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I did use payment system from my banks to pay for my credit at XXXX, then my banks show they delivery check to the XXXX on XXXX/XXXX/XXXX 2 days before my due then on my new statement the company charge me XXXX dollars for late fee this not the first time they did that and they keep do that since XXXX and every month they did that, I call them and they wait for this month but nexth month they go up the charge almost double money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have my HSA and XXXX accounts at Wells Fargo and called them around early XX/XX/XXXX to retrieval my login info. I was told that I have other accounts with the bank and asked if I wanted to reconcile my accounts. When the operator tried to reconcile the accounts, it was unable to do it because the other account ( XXXX ) opened on behave of me did not originate from me. I then went to branch office and submitted my identity info and ssn copy and was told that they will investigate if this is an identify theft and give me a report. I did not hear back as of XX/XX/XXXX and called them again. This time I was transferred to their ID theft dept. I raised the issue again and they finally called me back XXXX days after. I was told that it was an internal error and not an identity theft. When I asked for a report, they refused to do so. I think that they should give me a report on why my name and ssn was used for opening accounts for other person? how it happened?

Company response to consumer: Closed with explanation