vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In XXXX, I obtained a new mortgage from Wells Fargo in Washington state. Much to my surprise, and without my consent, I also got a new credit card. When I inquired with the bank about it, they said something along the lines of " mortgages come with credit cards. '' Later, another employee contradicted that quite clearly. In the end, I decided it was a harmless transaction, and I retained the card. But it was decidedly weird, and it smelled fishy. I attributed that to a simple error, but in light of the recent findings that Wells Fargo I now suspect it may have been deliberate. To the extent that you are so empowered, I would encourage you to investigate Wells Fargo prior to the XXXX date identified in the public reports.

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 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My landscaper ( XXXX XXXX ) notified me that he had received a notice, dated XXXX/XXXX/16, from his bank ( Wells Fargo ) that a {$300.00} check that I have given him on my XXXX checking account had been returned for insufficient funds. Since he had deposited the check in his Wells Fargo account, Wells Fargo notified him that they were placing a hold on the funds and resubmitting the check for payment. 
Since I keep XXXX dollars in my XXXX account and have an overdraft protection feature, I went to my XXXX branch to investigate why the item was returned. On XXXX investigation, it appears the check was paid on XXXX/XXXX/16 and not returned for insufficient funds. I find the sequence of events and dates to be highly suspicious. The sequence is as follows : Check written on XXXX/XXXX/16, Deposit Date XXXX/XXXX/16, Check paid by XXXX on XXXX/XXXX/16, Hold notice sent for insufficient funds dated XXXX/XXXX/16. Plus, there is no indication in my XXXX account history of any returned items. I am suspicious that Wells Fargo is placing unjustified holds on customer accounts, as in this case and collecting hold fees as indicated in the notice or use of the funds while not credited their customers accounts.

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 2016-02-25 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I signed for a car loan for XXXX XXXX, he has had car since purchase date of XXXX 2015. He has not made payments and I filed a suit in court to get car returned to me. He returned car to me at court on XXXX XXXX payment was 3 months behind. I paid on XXXX XXXX and on XXXX XXXX. As of today payments are caught up with exception of XXXX XXXX payment ( ten days past due ). I plan to pay this in the next couple weeks and try to sell the car. I explained this to XXXX XXXX at Wells Fargo extension XXXX several times. She keeps calling to have me set up a date to have it automatically taken out of my account, I have told her several times I do NOT want to do that, that I have made two payments this month and plan to get it caught up. She will not take no for an answer, she called me today at work, I told her I cant receive calls at work, she said well you answered did n't you, and she kept trying to keep me on the phone to set up a bill pay date to take it out of my account, I said no, she said why wont you do it? She is a very rude person who keeps calling me, even after payments have been made.

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 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
We have submitted XXXX complaints in the last 4 months regarding Wells Fargo 's incompetence with our Home Mortgage loan. We have requested loan modifications which continued to be denied without a thorough review. We have appealed and requested upper management to address all of our concerns yet we receive very little response with the inaccuracies not corrected. Prior complaint # XXXX Wells Fargo advised in the Rental Income section that the income was added correctly and the negative income was included in the monthly rental debt, however they did not show a breakdown of the rental debt where the negative income was included. Also, in the Re-entry Review Denial response Wells Fargo advises that there has n't been a large enough change to consider a new review, yet when we have contacted Wells Fargo to request a new review because we have raised rents last year which has increased our annual income by {$200000.00}, their response was that we do n't qualify for a new review - why not? Lastly, because we have continually been denied for modification due to Wells Fargo 's incompetence we have been forced to Short Sale our home to try and avoid foreclosure. We, along with our realtor and title company have requested updated payoffs in the last month however we have yet to receive this information. Our last payoff letter from Wells Fargo dated XX/XX/2016 is $ XXXX. Our home is currently listed for sale for $ XXXX. We had an offer for $ XXXX and on XX/XX/XXXX Wells Fargo countered at $ XXXX which is $ XXXX more than the listing and what we owe. Wells Fargo 's short sale department advised that a new BPO was completed on XX/XX/2016 and the value of the home is $ XXXX. We have just received a copy of the BPO and again the figures are incorrect. At the time of XXXX XXXX our home was listed for $ XXXX. The BPO shows that our home is XXXX sq ft ( our home is XXXX sq ft ), it only shows XXXX tax lot # XXXX ( missing # XXXX ), and it shows the sale price at {$150.00} per s/f. If the BPO was done correctly, our home @ XXXX sf x {$150.00} sf = {$750000.00}, plus the missing tax lot = {$210000.00}, our home 's value would be {$970000.00} which would be completely inaccurate. We have attachments to prove our case.

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 2016-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
According to documentation I received from both Wells Fargo Home Mortgage and XXXX XXXX XXXX, XXXX, Wells Fargo Home Mortgage sold my mortgage and the note to XXXX XXXX a/k/a XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX became the servicer of the mortgage XXXX/XXXX/XXXX. This is in direct conflict with the information which was recorded in the XXXX County records. The assignment of mortgage which was recorded in the XXXX County records shows that XXXX purchased the mortgage and the note from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX. There is no assignment of mortgage filed with the XXXX County court system or public land records which shows Wells Fargo Home Mortgage as being the owner of the mortgage or the note or having the authority to sell my mortgage and note to XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX How can BOTH XXXX XXXX a/k/a XXXX XXXX XXXX and XXXX purchase the same mortgage and note when the dates and the ownership information is in direct conflict with the information which is recorded in the official XXXX XXXX XXXX? How can BOTH XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX AND Wells Fargo Home Mortgage SELL the mortgage and note? XXXX COMPANIES CAN NOT OWN THE MORTGAGE AND THE NOTE AT THE SAME TIME. XXXX XXXX XXXX XXXX, XXXX purchased the mortgage and the note on XXXX/XXXX/XXXX, and the assignment of mortgage for this transaction did not get recorded in the XXXX County records until XXXX/XXXX/XXXX. Yet, Wells Fargo Home Mortgage states they sold it to XXXX XXXX a/k/a XXXX XXXX XXXX on XXXX/XXXX/XXXX. This is IMPOSSIBLE. When the assigment of mortgage, purchase, sell from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX occurred on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX had been defunct for 2 years prior. How can Wells Fargo Home Mortgage sell anything pertaining to my mortgage and note to XXXX XXXX a/k/a XXXX XXXX XXXX when they did not own the mortgage and note? The official records recorded in the XXXX County records shows that XXXX purchased BOTH the mortgage and the note from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. The assignment of mortgage which has been recorded in the XXXX County records shows XXXX different companies on it. XXXX XXXX XXXX, XXXX and the loan number for that company. Wells Fargo Home Mortgage and the loan number for that company. XXXX. XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX and XXXX. I think someone has some explaining to do because according to the OFFICIAL RECORDS, there was major fraud committed.

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 2016-09-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has refused to remove the balance off the credit reporting system. We settled and they say that they will not remove at this time because I am represented.

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 2016-02-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I paid a company called XXXX XXXX a total of XXXX between my Wells Fargo Visa and XXXX XXXX for services that were never provided. They were to teach us how to effectively sell on XXXX, set us up with drop shippers and create a website. All of this was with the promise that I would get my money back within one year. They never provided the website or any of the drop shippers. They did nothing to justify the money we paid. We had to pay another company for a website and do all of the stuff they promised through other companies. I was informed that I am unable to dispute these charges because of the time that has passed but I find that this is not an acceptable answer. This company has been paid a lot of money for nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
WE APPLIED IN XXXX.XXXX LOAN OFFICER AT WELLS FARGO.WE HAD TO STRAITEN OUT SOME JUDGEMENTS TO XXXX XXXX WHICH WE DID AND THAT BROUGT OUR CREDIT SCORE TO GOOD /EXCELLENT.SO SHE BEGAN PROCES ON THE LOAN STATING,XXXX POINT WOULD BE OF IF WE TOOK CREDIT CLASS WHICH NEVER HAPPENED SHE SAID WOULD ONLY NEED XXXX DOLLARS WHICH IN THE END TURNED OUT TO BE XXXX TO CLOSE SO I EXCEPTED IT BECAUSE I HAD NO CHOICE.THE ADDRESS IS XXXX XXXX XXXX XXXX , XXXX XXXX, NEVADA.I DID EVERYTHING THEY ASKED FOR WITHOUT HESITATION, XXXX KEPT REQUESTING DIFFERENT ITEM ONE AT A TIME OVER MONTHS.WE PAID XXXX FOR APPRAISAL,XXXX STRUCTURAL,XXXX WELL INS, PUT IN XXXX XXXX.WE HAVE SEVERAL LETTERS PRE APPROVAL FOR THE LOAN FROM WELLS FARGO, WE WERE TO CLOSE XXXX XXXX BUT NEVER WAS ABLE TO GET A RETURN CALL FROM XXXX FOR 2 WWEKS .FINALLY WENT TO XXXX XXXX HER BOSS AND HE TOOK OVER I SPENT DAY AND HRS TRYING TO GET THIS CLOSE PROVIDING EVERY THING HE WANTED.IT WAS TO CLOSE XXXX XXXX BUT DIDNT WAS TO CLOSE BY XXXX XXXX BUT THEY WHERE DRAGGING IT ON CAUSING ANOTHER FEE TO RELOCK THE RATE IN AFTER HAVING US SIGN ANOTHER CHANGE OF LEASE.OPT.EVERYTHING WAS TO BE IN PLACE TO CLOSE.THEN THEY BRING UP AT THE VARY END THAT I NEED 3 MONTHS RESERXE WHICH SHOUD HAVE COME OUT SOONER PRIOR TO ALL THE EXPENSES THAT I HAVE MADE, THEY WOULD NOT RETURN MY CALL SO HERE I AM.I CAN NEVER RECOUP MY LAST YEAR OF STESS THEY HAVE CAUSED ME, I WOULD LIKE TO BE COMPED FOR ALL MY EXPENSES.THERE IS SO MUCH MORE TO THIS NIGHTMARE PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a Wells Fargo auto loan paid perfect for XXXX years, got into an accident had gap coverage also insurance was to pay off the loan. I pulled my credit report and seen on this account it stated a collection account because there was a small balance left which should n't of been accurate. I went ahead and paid it because I care about my credit. How can this company report I had a collection when it fact every payment for 3 years was made until they received the insurance check. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pending Company Match
State: CA

Complaint narrative:
I dispute the validity of this debt.This debt is not valid.I am requesting XXXX to obtain verification of debt. Please also include method of verification. 

( a ) The name of the original creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The Address : ( d ) The telephone number ; and ( e ) The documentation used to verify the debt Address of this Complaint- XXXX , CA.XXXX Loan Number of this Complaint- 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 2017-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2016 I refinanced my property. My title company wired my mortgage payoff to Wells Fargo on XX/XX/2016, the day of my closing, and the title company has confirmation of that wire transfer. Upon a review of my escrow account history with Wells Fargo, I saw that Wells Fargo withheld an additional {$130.00} indicating that it was because they did not receive the wire from my title company until XX/XX/2016. That is not true. 
Wires are received within 24 to 48 hours. They received the wire timely and did n't get around to processing my payoff until XX/XX/2016 resulting in their holding the additional {$130.00}. I requested that Wells Fargo review my account, and provide proof of when they actually received the wire and refund me the {$130.00} that they withheld in error. If Wells Fargo is behind in processing wires it should not be at the expense of the consumer.

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 2016-05-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is the 2ND REQUEST THIS YEAR and heard nothing back from my request on QWR from Wells Fargo. 
Their XXXX be dispute on accounting and servicing of my mortgage,. Which I am trying to get all the information I request in the letter. Knowing my home is trouble, I need to get this information I requested in the QWR ASAP. I understand that potential errors could have wrongfully resulted in one or all of the following : 1. Increased the amounts of my monthly payments ; 2. Increased the principal balance I owe ; 3. Increased my escrow payments ; 4. Increased the amounts applied and attributed toward interest on my account ; 5. Decreased the proper amounts applied and attributed toward principal on my account ; and/or 6. Assessed, charged, and/or collected fees, expenses, and other charges I am not legally obligated to pay under my mortgage, note, and/or deed of trust. So I really need this to be look into. 

I am also looking into what happen to settlement to help people who still has the Pick a Payment loan. I was offer no help from this settlement. Yet I am being told, Wells Fargo should had been able to offer something by now to help me out.

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 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo this morning since I was told last night I was sent to their Lost and Found Department. 
I was told my account is on hold. I was never given an explanation as to why my account was flagged in the XXXX place. 
I called and spoke with XXXX in the Executive Office Banker # XXXX of the Lost and Found Department. 
When I asked her what the problem was, and why my hold is on hold. She processed to read to me several times that Wells Fargo can terminate my account at any given time for no reason. She kept repeating the same phrase. She was unable to provide any direct examples, or point out any issues what so ever. 
XXXX, I get paid and get deposits. This has been the case for months. I have never been advised by Wells Farog that there is any issue. I attached copies of my current bank statement as of this morning. You can see my transactions, and there is no issue whatsoever. 
Why I am being discriminated against? 
Why can I NOT bank in peace like everyone else? 
Why is my account being flagged for no reason? 
XXXX has given me a hard time because she felt like it. So, who is advising her to do so? It must be nice for her to do as she pleases with my bank account. 
It seems to me this is being done so that I have financial hardship for no good reason. 

I have attached XXXX photos. 
1 of current bank statement with current purchases all of which are normal. There is nothing outstanding or strange on my end. 

2. A photo for which shows that I am directly blocked from accessing Wells Fargo Website. Why? Why am I being blocked from banking with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Integrated Recovery Services
State: CA

Complaint narrative:
Debt Collector calling itself " Integrated Services '' called threatening to take legal action that they are not able to take in California. Debt Collector is flagrantly violating the Fair Debt Collections Practices Act with their threats and deceitful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In XXXX, I spoke with a Wells Fargo representative who told me that my loans would not need to be repayed until XXXX unless I graduated before that, in which case I would have a 6-month grace period after my date of graduation. My school inaccurately reported that I graduated in XXXX XXXX. I needed to work with the school to update my graduation date to XXXX XXXX. I submitted paperwork to Wells Fargo with this information, and I expected a 6-month deferment period after XXXX. However, Wells Fargo said that part of my loan had entered repayment while I was still in school. I thought this was part of the same clerical error, so I attempted to work with them to update the repayment date. However, they insisted that part of my loan went into repayment while I was still enrolled XXXX in school, and they declared this loan in default and demanded payment in full. I do not have the amount that they are requiring I pay upfront, and they are not willing to work with me to find a manageable solution to a problem that they created. They claimed to be able to consult phone recordings of previous conversations with them, but they refused to check on the call where I was informed that I would not have to start paying until XXXX. Further, they said they attempted to contact my co-signer about this, but my co-signer did try to call them, and they refused to talk to her. They said that I needed to speak with them directly. However, they would always call while I was at work and unable to answer, and every time I tried to reach them, the call went to voicemail. It seems that they were trying to prolong the conversation period in order to force this loan into full repayment.

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 2016-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Have been in a complicated process with Wells Fargo Home Mortgage. To make it short - they are foreclosing on my home - EVEN THOUGH IT '' S BEEN SOLD!!! No - not a short sale - SOLD OUTRIGHT!!! They have been provided all the required documentation including sales agreement from XXXX XXXX XXXX. This was given to them in XX/XX/XXXX. They have turned it over to their attorneys and have contacted the local sheriffs office. This is all to pile on as many fees as possible before the closing. The phone calls by me and the real estate company to Wells Fargo have been exhausting. Switch around constantly from person to person who could do nothing. Finally about a week and a half ago, I was in contact with a XXXX XXXX - who I believe is a " higher up '' and she guaranteed me that the foreclosure process was " on hold '' and that I was charged only {$1000.00} in fees ( only? ). She said that she would see to it that the local sheriffs office was contacted letting them know of the situation and that they need not be involved. We were just waiting for the buyers to get their V.A. loan which the real estate agent said would be very soon. Other than that - all parts of the process have been completed - inspection, appraisal, etc. The buyers are excited and ca n't wait to move in. BANG - about a half hour ago, the local sheriffs office came to serve me with eviction papers!!! ABSOLUTELY INCREDIBLE!! The emotional pain and suffering that I have gone through has been incredible and unbearable. I have no choice to meet with an attorney ( XXXX today ) and deal with this matter through that avenue. From what I understand, XXXX is considering the same. Anyone considering a mortgage from Wells Fargo should be advised against it. Even if they offered the lowest possible interest rate it the world - DO N'T DO 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 explanation