vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-13 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am at my wit 's end with Wells Fargo and completely about to lose my XXXX! Please follow the bouncing ball : 1. On Saturday, XXXX XXXX, 2016 I went into a local branch ( sorry you now call them STORES ) to sign documents for a personal line of credit which I had secured via an on-line application. 
2. On Monday, XXXX XXXX, 2016 I received an E-mail from Wells Fargo advising that the loan was available. 
3. I logged onto my account only to find that {$6300.00} had been removed from my savings account, but THOSE funds nor any other funds had been made available to me. So they were holding my own money and I could n't access it. 
4. I immediately contacted the branch by both phone and E-mail and did not receive a response until after XXXX when a VERY condescending and rude XXXX XXXX XXXX called me. I understand he is the assistant branch manager and trust me, he needs to be fired. 
5. XXXX XXXX not only DID NOT want to assist me with solving the issue, he was insulting and would not let me ask questions. Every time I tried to say anything, he would begin talking over me. He 's XXXX, by the way. No customer should EVER be treated like I have been treated by this man or by any bank. 
6. On Tuesday a.m., XXXX XXXX, 2016, I was at the branch when it opened and requested that the loan be canceled. I asked XXXX XXXX to put in writing that he was canceling the loan as requested. He refused to do this. I left the bank not knowing whether he would actually do as asked or just bury the paperwork and leave me floundering. I think that IS exactly what he would have done if I had not gotten other people and posted comments on social media. 
7. On Wednesday, XXXX XXXX, 2016, I finally received a phone call from someone named XXXX in the " Executive Office. '' XXXX said the funds had been returned to my account that afternoon. When I logged into my account, the funds that had been withdrawn had indeed been returned to me. She said the loan was canceled. 
8. WAIT FOR IT ... .Because I no longer trust Wells Fargo , I logged onto my account just before XXXX only to find that {$6300.00} had AGAIN been removed from my savings account. 
9. I tried to talk to someone last night which was a COMPLETE waste of time. 
10. I have e-mailed, called a dozen times, sent messages, everything I know to do and crickets. Here it is Friday and no one is working apparently. Sure as XXXX no one is trying to resolve this issue for me. What XXXX happened to putting the customer first? What XXXX happened to the customer is always right? These are obviously not part of a code Wells Fargo chooses to follow. 
11. The {$6300.00} is MY MONEY, not YOURS! I want it returned to my account TODAY, no excuses, no exceptions. I want a FORMAL apology and I want 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 2016-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I 'm dealing with Wells Fargo, back at the end of XX/XX/XXXX, about my payments going up from XXXX to XXXX. I was told that I could buy down my escrow, XXXX would bring it down, so on XX/XX/XXXX I paid XXXX .... that was to lower it for 6months. As of today I 'm still paying the higher rate and I 'm told that they can take until XX/XX/XXXX to get it taking care of, you can listen to the tapes, were I 'm told that my new payment of less then XXXX will start with my XXXX payment, but still happend.. I bought it down be used i do n't have the exter money to get it down to were I. Could pay it and still pay my other bill, so here I am having to rob XXXX to pay XXXX and no. XXXX under the tree..please help me. Oh side note I paid down my loan and told that I still have to pay pmi for 5yrs, it 's I. The loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a lot loan with Wachovia bank. It was a 5 year interest only loan. I did not realize it was interest only until I noticed no principal reduction was occurring ... ... ... .this was certainly my fault. I was in the process of re doing the loan with Wachovia and they went out of business. I found out that wells fargo had inherited the Wachovia business. Wells had no idea, at the time, about my loan and it was very difficult to get anyone to recognize I had a loan outstanding. I stopped paying on the loan and I figured I would hear from someone. I finally heard from the mortgage collection department. I told them that this was a lot and had no house on it and I wanted to refinance it that also included principle reduction. After months of talking to many people I was told wells did not have a lot loan department and I had to deal with them. This seemed wrong but I tried to work with them. It was also odvious I was not going to be able to refinance this lot. All the people I was dealing with were interested in was collecting. I was continually told if I did n't pay they would ruin my credit reports. I was concerned about this and I was willing to work some thing out. 
I was dealing with a man by the name of XXXX XXXX in the home mortgage collection department. I had worked out a repayment plan that required {$19000.00} lump some payment and then {$480.00} a month until the loan was paid off. I have a copy of this agreement. 
I agreed to this, I made the {$19000.00} payment and was ready to move forward. I found out that several days before I received repayment agreement plan wells had foreclosed on the loan. This of course went on my credit reports and has been a burden to me. 
I have made my payments on time to wells and have in fact paid this might mare off. I have a lien release and a letter stating this loan has been paid off. 
I am requesting that my credit reports read correctly, that the loan XXXX is paid, just like the letters state I have from wells. I also request that the fore closer is dropped from my credit records. This report is almost 7 years old and needs to go away. 
Thank you for your attention in this matter ... ... ... 

XXXX XXXX. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX of XXXX I purchased a home and was financed by XXXX XXXX, the loan was then transferred to Wachovia bank under the same account number until XXXX, and at all times the payments were reported to the credit report agencies in paid and never late status until XXXX, when the loan thereafter was transferred to Wells Fargo Mortgage, wells Fargo changed the account number of the loan to make it look like a different account and to categorize it as a closed account on the credit reports while not updating and reporting the payments that are paid and never late, my reasonable question is : How could Wells Fargo receive my never late payments and yet reports to creditors who review my credit reports as closed account. 
I have a signed letter by Wachovia 's CEO that indicates about the terms of this loan should never change even when transferred to another financial institution.

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: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This has been ongoing for months with Wells Fargo and am really tired of it. It is causing emotional and now physical stress and making me sick. They messed up payments for hazard insurance, I more than compensated with extra payments, made even more payments to cover anything in escrow and yet they still are keeping my mortgage payment over {$200.00} higher than agreed when I got the mortgage. they have refused to put the monthly payment back where it belongs with no valid justification. Why is it that the consumer is always faced with this type of mismanagement of our accounts and you all do nothing?

Company public response: Company 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 — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo offered a mortorium ( ability to skip XXXX payments without penalty ) due to our area being declared federal disaster area after major flooding. We were advised at the end of this time period we could modify if we were unable to make all payments at once. There was no written disclosure or agreement this was all done by phone. Previously XXXX 2013 our mortgage was modified due to medical /loss of income hardship which disqualified us for any additional assistance ( according to Wells Fargo ) which was never disclosed to us. We have been trying to work with Wells Fargo now for over a year and continuously being told to keep applying for a modification that our loan does not qualify for, in the meantime we were told we ca n't make payments and escalated to foreclosure. According to Wells Fargo the reasons for denial is that we make too much money, need to show a reduction of income, have been previously modified, and need to show proof of a hardship ( Which the hardship was the previous flood and now the acceptance of the mortorium ) After attempting at least four times for assitance we were finally advised to basically give up that our loan would never qualify for further assistance due to the previous modification. This was a deceptive act by our servicer because this information was never disclosed so we could make an informed decision about going through with the mortorium. We currently do not have a sale date and periodically contact our lender to see if other programs or help exist only to be told we do still do not qualify for assistance. We 've also been told that they will continue to advise us to apply because they cant refuse to offer, even knowing the outcome will be the same. This has given us false hope and allowed our deliquency to snowball. We escalated this issue internally with some other concerns about how they were initially attempting to contact us ( visiting our neighbors asking questions, ie.. if we still live here ) When we never stopped communication with them. I received a letter stating they did not find any violations and dismissed my complaint. ( see attachment ) We believe that we are victims of deception which was executed by no disclosure for the mortorium agreement and also a form of discrimination not being offered assitance due to having previous issues with our loan. We would like to move forward with this matter as a foreclosure hearing date has been set later this month. Wells Fargo needs to make this situation right and restore our loan and our faith in our loan servicer.

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 2016-08-22 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
The bank used their legal firm to file a Sheriff 's Sale Foreclosure against myself wrongfully. Attempted to contact both the bank and their legal representative multiple times to notify that they are picking on the wrong person. In this case I am actually an innocent relative of one of the persons named in this suit. The legal firm, nor the bank have issued a retraction or apology. I was not a resident at the time the defaulted loan was issued.

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 2015-09-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo offers cellular phone " insurance '' against damage or theft if you pay your cellphone bill with their credit card. I have been on auto pay to pay my cell bill for five years. In XXXX 2015 XXXX cell phones were damaged : XXXX dropped and died, other flooded in a storm while in my pocket. WF ins co says that the to be eligible for the insurance in the month of the loss/damage the prior month my cellphone bill had to be paid by my credit card. Note I have never had a prior cell claim so it is n't like I am working the system. Well ... XXXX pulls my cell bill from Wells Fargo credit card on the XXXX of every month UNLESS it is a 30 day month then the payment is pulled the XXXX of the next month. My XXXX payment was pulled XXXX XXXX thus in the month prior to my loss there was no payment. I think this is a financial company trying to wiggle out of their obligation on a technicality. The claim administrator satisfying the Wells Fargo guideline phone number is XXXX and my XXXX claims are XXXXand XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
They saying I had got a pay day loan but I did n't

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have been receiving collection letters & phone calls daily for our mortgage account with Wells Fargo when we are current on the mortgage. There is an escrow balance that they 're showing is due for amount of {$100.00}, which is completely inaccurate as we do n't have an escrow account and last year when we switched insurance agencies from one agent to another for the same insurance company ( XXXX XXXX ), they 're claiming the property was not covered. 
This is not accurate as we have been on an call with Wells Fargo Escrow department to sort out this mess and unfortunately I 'm not getting any cooperation with Wells Fargo Escrow and Mortgage departments. Our insurance agent has sent information to them explaining the situation. 
They 're claiming that we have not paid our mortgage, which is not accurate. They 're now sending letters to proceed Foreclosure proceedings. We have never been late on our mortgage and are getting stressed and frustrated with Wells Fargo 's behavior and practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo has discriminated against VA home modification false information, We have lived in home since XXXX, we did go bankrupt XXXX did not list are home are lawyers told us we did not have to reaffirm, We made all payments, until we had ask XXXX XXXX XXXX if he could help get Wells Fargo to give us a home modification.Wells Fargo told us to stop making payments for 3 months, everything was done VIA mail.They had put we went bankrupt XXXX we did not.XXXX XXXX is co- borrower on Home.They would not acknowledge this.Are credit report shows no payments every made on are home we have made every payment until they had told us to stop XXXX/XXXX/XXXX? also took equity out of home to make up for 3 months we missed, said in there letter that they could change terms when ever they wanted. we were stuck as being 3 months without making payments they could have taken house away,XXXX security Instrument on Home through VA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I am a veteran XXXX service man ; service number XXXX. I already have a CFPB complaint account number XXXX against Wells Fargo Mortgage. I was not aware until recently that there was leverage on a complaint for service men. I am also XXXX in that I lost my XXXX. Type or written communications is best for me as my XXXX is severely affected. 

Past dealings with Wells Fargo MortgageXXXX persons has been very very difficult because of my XXXX and because of their illegal/immoral practices. These practices in the past have already been reported. Wells Fargo Home XXXX continues to be the servicer of my mortgage in spite of a legal request that they or their assigns not be the servicer on my mortgage because of illegal/immoral practices. 
Wells Fargo Home Mortgage initiated participation in the sub-prime mortgage lending condition which caused the financial crises from XXXX forward to the present and which diminished and eliminated the qualifications my wife and I had in place to secure the mortgage and to amortize it " better than agreed '' as contracted. They participated in the reduction and/or removal of the methods we employed in making a living. Our employment was based upon retail market earnings and largely from spending of the majority of others who were also affected by the financial trauma of the failed mortgage backed sub-prime lending scheme. As others failed so did we outside of our cause of it. Having our income fail and having Wells Fargo Home XXXX and Banking force other expenditures upon us insured a future foreclosure. That foreclosure has not happened even while Wells Fargo Bank and Home XXXX was assuring ourselves and thousands of other we would at their benefit. 
Wells Fargo Bank has attempted to illegally abscond with my money since XXXX and that was the reasons I change banks. My notice to escrow that Wells Fargo Bank/Home Mortgage and my attempt to refinance was to remove ourselves of any influence of them. 
Current legal problems under the subject title of credit card scamming with the U.S. Government adds evidence that Many others and myself are innocent victims. Included is the most recent information that the state of Illinois is moving toward blocking Wells Fargo from doing business there. I do n't foresee that Illinois will be alone in this endeavor. Other banks are also creating real distance from them. Wells Fargo has been sued and has paid fines in the billions of dollars and yet I know of no consumer who has had their Wells Fargo indebtedness released and/or reduced to zero without legal assistance ; another expense.

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 2015-04-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I found that Wells Fargo reported to a credit reporting agency that I owed them a debt of {$420.00} on XXXX 2012 on a credit card account. I never opened a credit card account with Wells Fargo and have no knowledge of any credit card charges made on a Wells Fargo credit card in my name. I wrote to Wells Fargo and informed them of these facts. I also told Wells Fargo that I believed that these charges were fraudulent and suspected that I had been a victim of identity theft. I requested that Wells Fargo conduct an investigation into the matter and that Wells Fargo provide to me all account documents and billing statements related to this claimed debt so that I could determine whether I had been a victim of identity theft as I suspected. Wells Fargo responded but refused my request for documentation and its response does not indicate that it conducted any investigation into my claim that I had been the victim of credit card fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I fell behind on my payments due to a job loss. I notified Wells Fargo when I got a delinquency notice and the next month, XXXX 2015, they put my in foreclosure and returned 2.5 months of payments and stated I was now 5 months behind. I immediately called and Wells Fargo assigned a rep. he had me file a loan modification application which was denied in 2 days. Even though I now make more than I did when I applied for the loan. We were then offered and took the option to repay the loan if I could give them 3 months immediately. Which I did as soon as the bank opened the next day. I was told that I needed to make sure that I did not become 3 months delinquent. I made another full pmnt in XXXX. I went to pay XXXX payment and they put me back into foreclosure and returned XXXX pmnts I had made. Now they have me 7 months behind. I told them I now have XXXX payments that I can give them and they refused it. They admitted the error was on their part but are refusing to honor their agreement made in XXXX. Now they are charging me attorney fees as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has repeatly taken money out of my account for items that I have not done, such as cash advance fees, and interest charges.

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 2016-09-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I just received an unsolicited call from someone saying they were " the division of student loans ''. when I pressed, they told me their actual name was XXXX XXXX XXXX, XXXX out of XXXX, California. I asked if they charged for these services and was told " yes ''. After reading information on your website I decided to file a complaint. Although I did n't pay them anything, I just wanted to report it. It 's hard enough to pay back these hefty student loans without having some opportunistic crook trying to take advantage of you! How are these predators allowed to exist?

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