vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello there, It all started with a fraudulent charge on my credit card, I file the claim with Wells Fargo and requested a refund, finally I got that taking care of, but the waiting was very unpleasant with Wells Fargo customer service, the fraud and claim departments. These people behind the phone, only provide first name, please investigate this bank deeply, today I will close my accounts because they are threatening me to close my accounts if I do n't provide a Social Security Number, this bank was the one who opened a credit card and wanted me to do business with them. They are threatening because I submitted the claim of those charges. 
When I called I started a log because some calls were very unpleasant, poor customer service, they put me on hold, they hung the phone on me as well. 
Every time I called I was give information to wait, or they transferred me to other departments and they hung the phone on me. 
I have a few names of those customer service representatives from Disputes or Fraud or customer service offices that really need urgent training. 
I was treated really bad, not a care for my dispute and wasting my time with vague answers. 
Wells Fargo Card Services, XXXX XXXX, this man keep sending me emails with no real answer and ignoring my requests. This man never provided the last name but you can see in the attachment what he was doing. I even this there is bad intentions to cause distress. 
Wells Fargo Online Customer Service, XXXX XXXX, this woman asked me information about my issue with Wells Fargo and never responded, never follow up, instead she sent the email to XXXX XXXX the man, mentioned above. 
Wells Fargo XXXX Speaking representative, XXXX, this man, I beg him for help after being hung up a few times, this man, put me on hold for 25 minutes and then hung the phone. 
Yesterday, I received another letter that unless I provided my TIN or SSN they will close the account and penalties will apply. 
I have done business with this bank for about 14 years, not the best of experiences, they are the ones who sent the option for a credit card, and now this. 
I believe they want to bother me because I disputed those charges from my account. 
The first letter came from a XXXX Manager, Wells Fargo Risk Operations XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Can you please investigate this bank. 
Thank you 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 2016-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
WELLS FARGO has never answered my questions regarding escrow discrepancies, see attached letters from Wells Fargo dated XXXX XXXX, 2016 and XXXX XXXX, 2016. I do not know which information is correct and Wells Fargo has refused to help me stay in my home by transferring me to XXXX XXXX for service of my loan for XXXX and I had no idea my loan had been transferred.

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 2016-05-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
This Collection agency is at it again. I had previously submitted a complaint on XXXX XXXX XXXX. Which resulted in my favor. Quick refresher in XXXX XXXX I went to the hospital. 
The hospital made a mistake in the billing. They billed my insurance but did n't reflect it in their system. My insurance sent them a check, it was never cashed. I kept gettign bills for the full amount. 
Hospital would not talk to the insurance company to resolve this. Insurance company policy needed the hospital to talk to them to resolve the issue. I get caught up in life and forget the situation. 
The bill goes to collections. XXXX XXXX I get the first phone call. I express doubt about the whole thing. Right there is the first mistake of this agency. I never got anything in writing about the debt five days after that call. 
I go through my records and check my insurance claims see the amount that was told to me and the cut check. Call the agency back within the hour of the first call. I explain the situation. 
I do not owe the full amount this is why. The man on the agency end gets flustered and says he has to talk to the hospital. About a week later he calls me back and says the hospital has no idea and tries to get me to pay. 
I reply I 'm going to call my insurance company. I call and find out the check was never cashed. I call the agency back give him that information. 
He then asks to speak to my insurance company, I agree and give him my member id and the XXXX number. I never hear from them again. 
Now the day before I placed my first complaint. They put negative accounts on my credit report with XXXX and XXXX. After that complaint they were removed and I got my first letter from them stating said items were removed. On XXXX XXXX the new check from my insurance company was cashed by the hospital and a new bill was sent to me. On XXXX XXXX this collection agency yet again put a false amount without noting to transunion that the account is in dispute on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We have a mortgage with Wells Fargo and we agreed to pay taxes and insurance ourselves. In XX/XX/XXXX we noticed a deduction for an escrow account? We spoke with the bank several times by phone and once in person and they say we had a gap in insurance. 
Not so. Our insurance agent sent the bank a letter with copies of all of our policies shown no gap in coverage. That was on XX/XX/XXXX. So far, more charges and no response to her letter. We are at our wits end. Can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
RE : XXXX XXXX my accounts where set up to lose Money from the beginning there were never a sum in basic math of my checking accounts and all of my accounts. When I left and went to the bank I 'm with now I could see a very big difference in how it 's fair and safe. I was losing money for XXXX years just in my checking. Any one that could see my bank accounts it could easily be seen as I have with my new bank accounts I did not lose a penny from my new accounts. This is XXXX of dollars over the years. I have had other accounts. A credit card which is called a revolving account which I have paid off over and over again till the stilling was just out of control from my deposits many stolen as it entered my account ever month more then Enough to handle these accounts which I did for three years before the theft. There was also another were I signed for which I signed for a loan one of the largest accounts with Well Forgo paid it twice then learned it was a revolving account not what I asked for and or signed. Have all ready shown me a fraud letter with a signature that is not mine that is Identity Theft of XXXX of dollars.

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: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I recently opened a new credit card with Wells Fargo. I applied ( and was instantly approved ) for the card because they advertised a card that offered XXXX rewards points per dollars spent at gas stations, grocery stores and drug stores. As a father of XXXX children, I spend a lot in those merchant categories. I have a screen shot of the original offer as advertised. 

Shortly after receiving my card, I used it a few times and went to check out the rewards site to see what kinds of things I could use my points for in the future. I noticed that my card was only earning XXXX point per dollars spent, even at grocery stores and gas stations instead of the XXXX points per dollars it was supposed to be earning. I e-mailed to inquire and they said I had to call them instead for some reason. So I called, and they " opened a case '' for me. A few days later I got a call back and the agent informed me that they would not honor the promotion as advertised. I argued for a few moments, pointing out that this was extraordinarily unethical, and probably not legally allowed. The agent did not deny that, but said there was nothing she could do in her position. 

That 's basically brings us to today. I applied, and was approved for a credit card that advertised a specific promotion. Wells fargo should honor the promotion as it was advertised. Thank you for your time and consideration in this matter.

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 2016-10-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Credit card was issued. Paid regularly for many years. I filed for bankruptcy XX/XX/2014 to prevent foreclosure. Bankruptcy was discharged within 30 days. Wells Fargo removed the credit card from the online banking portal and did not send any statements for 7-9 months. Wells Fargo wants remaining balance of credit card paid and continues to report as delinquent.

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 2015-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: WA

Complaint narrative:
I was decieved by Franklin American Mortgage company. They gave us terms that were really good on the actual principal and interest to draw us in to choose them, but were n't forthcoming and transparent about how they configured Escrow as required by the Dodd-Frank act of Tila ( 2014 ). They were quite aware of my financial situation, but ignored it. When I complained about them deceiving us, they ignored me again. Because of this, I will lose my credit and my home. 

What Franklin American claims is that Escrow is simply taxes ( $ XXXX + insurance {$640.00} ) and for me this is approximately $ XXXX. Now, suddenly as we approach the XXXX year they say we owe them another {$2300.00}. We have put {$4900.00} into Escrow and now they want to increase our payments another $ XXXX. 

This is pure deception and violates the Dodd-Frank act, for if we had known that we were not paying 5 % on our loan, but 20 % monthly ( which is what it computes to approximately ) we would never have got involved with Franklin American. They lied to us from the outset and we want this issue resolved. They are in gross violation of the Dodd-Frank act!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was seeking a modification on my mortgage about four ( 4 ) years ago with this mortgage service company. However they set me up on a payment plan that I am not able to maintain. They said that they would do a modification about 2 years ago, but have been stringing me along ever since. I am eighty ( XXXX ) years of age with my only income from S/S of $ XXXX monthly. My house note is {$1100.00}. I had been maintaining the payments with the help of my daughter until she recently became unable to assist me. I want to keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union ran my credit last week without any permission from me! I have open disputes with them and they ran my credit without any authorization from me! They DO NOT have my permission to ever run my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a credit card for my business with Wells Fargo who denied me for incorrect reasons. I do not have a bankruptcy or collections under my name, Also no inquiries was made under my name. I monitored my credit XXXX and XXXX XXXX and no alert was posted on my account on XXXX/XXXX/16. So I do no really know where this information came. I want this incorrect information to be fixed, this cause bad reputation for me and my business.I do understand that financial institution can denied you but at least do not make false excuses.

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 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
for 6 months i have asked wells fargo to provide me with either loan modifcation documents, short sale or deed in lieu applications due to falling behind on my mortgage after finding false liens put on my property by my condo association, in which these liens were on my property prior to me receiving a modiication from wells Fargo in late 2014 after 5 years of lies and deciet. 
title documents fraudently done to allow me to receive my modifcation. 
when i found out these liens were there i turned to wells fargo for assistance, for them to advise how the modification can go through with these liens on my property. they claim they werent there and i have proved they were, they have themselves made a claim with the title company to cover themselves, but refuse to give me any help. 
they have sent me letters, clearly stating they deny me any help what so ever. and now they have placed a home into a collection agency, who states and wells fargo states they are going to foreclose on. 
they have said you received a mod in 2014, if your financial situation has changed we will re-review, 6 months still nothing. of course my financail situation changed. 
i requested deed in lieu documents - refused. 
there is no protection here with this company every step i take im denied and lied too. 
the office of the president at weels doesnt review these letters, because they dont care, they sent to a customer service rep in the esculation department, that literally has yelled at me, demeaned me and again refused to provide me with any assistance to maintain my home.

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 2015-04-15 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
II called a Wells Fargo Visa card representative and agreed a balance transfer to my Wells Fargo account of {$7000.00}. The representative stated that it was a 0 % interest loan and that I would be charged {$15.00} a month for 15 months. The conversation was recorded and I agreed to the transfer over the phone. 
After completion I called back to check with Wells Fargo Visa and am now being charged between $ 75- {$80.00} a month for this loan instead of the quoted amount of {$15.00}. The manager XXXX # XXXX agreed that it was a bank error but would not honor the original quoted monthly amount of {$15.00}. 
I would like the bank to honor the verbal agreement they offered at the time of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, my Name is XXXX and I am a XXXX with the Wells Fargo. I have been contacting many different numbers to resolve my issue but nothing is happening so I would like to resolve it directly with someone that can possibly help me. 

About a week ago my brother came in to Wells Fargo to withdraw money from my business account ( XXXX ) not knowing that the money was taken out of someone else 's account we continued to do business. Yesterday morning ( XX/XX/2016 ) I walked into a bank to withdraw cash again and find out my accounts have all been closed out. Further investigation my accounts have been placed on hold and I am unable to withdraw the cash. I tried to figure out what the problem was and got no answer. About 3 hours later I receive a phone call from the same Wells Fargo location that accidentally made the wrong withdraw from an account and asked me to transfer XXXX to my XXXX business account because they took out XXXX and reimbursed the account that they originally took out from. 
Now putting these XXXX things together I am getting the assumption that Wells Fargo has closed out my account because of a mistake the associate made and not myself.. 
I am unable to pay my associates and as we 'll continue with business since my account and money is on hold until XX/XX/XXXX. 
I always kept my accounts in good standards up until this incident!

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 2016-02-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I listed my property for a short sale. Wells Fargo counter offered the original offer. Of course the initial offer then fell out as the purchaser did not want to meet the counter offer made by Wells Fargo. Finally my realtor was able to find a buyer that met the counter offer amount, the purchaser signed the offer and it was sent to Wells Fargo. Wells Fargo is now stating this offer was received too late and are proceeding with the sale date scheduled for tomorrow. Make matter worse, the counter offer amount Wells Fargo asked for is {$230000.00} yet the opening bid amount is only {$130000.00}. Why not accept the offer and give me my right, as a California homeowner XXXX ( A ), to avoid foreclosure. Why not postpone the sale date to allow the short sale to take place? They got the counter offer at hand and now are going to foreclose without a care leaving me with the possibility of loosing my home. I am most grateful for any assistance I can get from you.

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 2016-10-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a crap about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus and creditors in the past and have received no assistance. 
As for the NFCU account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My case # XXXX would like an update from Wells Fargo Home Mortgage as to the progress of a solution. 
I only receive letters that state we ( WFHM ) are working on a solution. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo refuses to work with my daughter in any way. They have stated the amount she must pay every month and despite the fact that she does not make enough money to do so, they will not compromise in any way. Their interest rates are absolutely ridiculous also.

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 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently read about the deceptive tactics of Wells Fargo Bank. I currently have a checking account and savings account with Wells Fargo. I have had both accounts for many years. I previously began receiving a lot of insufficient funds and bounced check notices from Wells Fargo. I could n't understand how my account could be overdrawn when there was always money in my accounts. Please investigate this as I believe that I am a victim of Wells Fargo 's predatory bank practices. I am XXXX years old so I am sure that they have taken advantage of me due to my age.

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