vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I scheduled automated monthly payments for my Dillard 's account. The payment were never processed and several late fees were added to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have received XXXX checks from an insurance claim dated XXXX/XXXX/16. The first XXXX checks were endorsed without issue and the repairs commenced on our home. The XXXX check was the result of a settlement between us and the insurance company. Wells Fargo refused to endorse this final amount and has since held the funds in escrow despite our repeated documentation that this final settlement contains portions of personal property and costs incurred, which the mortgage company should not hold in escrow but return to us. Wells Fargo is refusing to do so until an inspection takes place despite documentation of Certificates of Completion from the City of XXXX for work requiring permitting, detailed documentation from our lawyer, a settlement agreement, and several requests in writing directing the personal property portion be returned. Wells Fargo keeps us on the phone for hours with Tier XXXX CSR 's until no effectual resolution is reached.

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 2016-10-17 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:
1. I am making payments on my mortgage every 2 weeks before the payment is due and the bank is not reducing the principal until the second payment is reached. 
2. I contacted the bank and they say they do not apply partial payments, however the payment is being paid before the due date 3. I spoke with XXXX XXXX says I do n't have to pay that way if I do n't like 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
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo sold my mortgage without me and my wife knowing it, I never received a servicing transfer notice, I began receiving letters from lawyers stating my home was up for foreclosure with XXXX XXXX XXXX, this is how we found out that our loan was transfered, I began seeking counsel, my home until today is up for foreclosure, My lawyer have petitioned sheriff sales and now found out that XXXX sold my home in a sheriff sale back to Wells Fargo, after it was petitioned but still was sending me foreclosure notices after the suppose to be sale date after I have been making several attempts to petition the sheriff sale, we spent several thousands of dollars paying lawyers. Wells fargo have not given us a chance to do a modification they are not out to help the lender, it has been 5 years and now they are telling me it is to late to save my home when I did not even know they sold it..unbelievable

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My bank periodically does not allow me to log in to my account, and at times it takes up to 3 months before they are able to fix the problem. This lack of access to my account does not allow me to access information or make any transactions other than use my ATM card. I never had this problem under my old bank. It only started when that bank was taken over. From what I have been reading, the present bank has fraudulently been using some of their customers ' money to open unauthorized accounts. I have been told that I can make a wire transfer of funds, but that would cost me {$40.00}, which I would not have to pay if I had access to my online account. This appears like a way for the bank to charge me an unnecessary fee.

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 2016-09-15 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
In XXXX XXXX I contacted the wells Fargo bank manager in XXXX that I needed to open a savings account in my XXXX year old mothers name. I was promptly informed that I would need my mothers ID as well as mine to do so. I had to return home to retrieve my mothers ' information. Since XX/XX/XXXX I have had Power of Attorney for her and had filed a copy of the document with Wells Fargo at that time. At the time of filing, The bank had their attorneys look over the document to determine if anything needed to be done. My mothers account ( XXXX XXXX XXXX ) was sent up as a checking account and noted as a Trust. I can not be listed on that account as I am a recipient of the Trust, however, the Bank allowed me to pay her bills and expenses for her personal and business activities from there with out question as her Social Security Check and Retirement Checks all deposit into that account! I have been doing this since XX/XX/XXXX. 
The ( New ) branch Manager of the bank informed that she had no file of the Power of Attorney and that I was not authorized to get into my mothers funds! I did not have a copy of the document on me and was not about to make a THIRD trip back to my house to produce the document as the bank should have had it on file somewhere! 
The manager became quite rude with me and told me that I was committing fraud by not producing the paperwork. I left the bank telling the branch manager that I would simply take our business elsewhere! 
A few weeks later I get a visit from the State Department of Family Services investigating me for fraud and even questioning whether I was her son ( our last names are different ). The complaint was filed by Wells Fargo Bank. 
Needless to say I showed proper documentation to DFS and the closed the investigation. Contacting DFS and filing a complaint was and is way above the duty of the bank! This caused a lot of stress on me and my mother and was completely unnecessary. 
For a company that is currently under indictment for fraud of is customers, You have a lot of 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 2016-03-06 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This company refuses to provide me verification and validation of debt. They will not respond to my letters and there is no phone number to reach them. This debt is in dispute because i do not owe this and have no idea what this is for. This is past the 7 years to report

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 2015-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am trying to understand why a closed an inactive credit card reflects as open on my credit report while my mortgage which is still actively paid shows no history and closed. This is the home I reside in and intend on paying the loan amount in full. There was a lack of communication during my bankruptcy while attempting to reaffirm this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
XXXX XXXX, 2016, I was served false court garnishment paperwork owed in amount of {$2800.00} by Resurgence Legal Group. XXXX. There requesting, I own this amount. Not sure how they came up with this when I never once contacted by them initially, so I can not tell you what this debt is for. I need some help ; I am requested that they send me proof they have the right person and advised me the of whom the original creditor is and or what it is for. Moreover, I would like for this garnishment to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo solicited me to re finance my mortgage with them. 
They promised me in writing multiple times that I would not have to escrow ANY payments, not the flood insurance, not the homeowners, not taxes. They also did a quick appraisal that only costs {$100.00}. 
They lied about the escrow. My closing documents are wildly inaccurate and do not take into account the full lender credits they offered. They are demanding to escrow flood insurance 17 months in advance. 
They charged my credit card {$100.00} twice and an additional {$490.00} for appraisals that were not done.

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 2015-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I moved from XXXX to XXXX switched my insurance and notified Wells Fargo of the new insurance information. Well Fargo neglected to update my current insurance information. Wells Fargo charged my loan for an insurance policy without contacting me. Once I realized what they did I contacted them and was told everything would be reversed. That was 4 months ago. They continue to hit me with late fees and finance charges. I even have a recorded conversation from XXXX/XXXX/XX/XX/2015 where she says she will reverse and nothing was done according to my XXXX statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX NAVY FCU Account Number XXXX XXXX Account Status PAYS_AS_AGREED Available Credit Reported Balance {$39000.00} Debt-to-Credit Ratio 100 % Age of Account 0 Month ( XXXX ) * THIS ACCOUNT IS CLOSED AND PAID OFF THE LOAN CHECK WAS RETURNED. 
ATTACHED IS THE LETTER FROM NAVY FEDERAL STATING THAT THIS ACCOUNT IS CLOSED. REPORT TO ALL ( XXXX ) CREDIT REPORT AGENCIES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo in XXXX MN. XXXX XXXX XXXX ) over road my signature on a refund escrow check and decided to give my ex-husband half. Which he was not entitled to by our divorce decree. Wells Fargo in XXXX XXXX then excepted the other half as a deposit and entered my account without my knowledge. XXXX XXXX is a very good friend of my ex-husband and ex-brother in-law. Either XXXX XXXX did not give the full story to her boss or she was not given the full story. They did have a way to contact me and were trying to get away with theft and forgery.

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 2015-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check from an inheritance in the amount of {$380000.00} in my checking account at Wells Fargo on XXXX XXXX, 2015. The bank put a 10-day hold on it. According to the attorney that sent me the check, it cleared that night. Wells refuses to release the hold until XXXX XXXX, even though they already have the funds. They insist that they need to verify the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Mortgage Wells Fargo Home Mortgage XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Well Fargo Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} Well Fargo Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 

These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, 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 2016-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I been trying to get a loan modification with well fargo bank for the last 3 yrs.it 's look like they 're do n't want to work with me.I feel that i 'm making enough money to work out this problem.please I need help to try to keep my home.thanks.

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 2016-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
RELATED TO CFPB CASE XXXX WELLS FARGO BANK. 
XXXX XXXX XXXX STATES XXXX XXXX XXXX IS INVESTOR / OWNER OF MORTGAGE LOAN. PLEASE PROVIDE PROOF OF THIS STATEMENT. ALSO REPORT THE DATE OF PURCHASE OF MORTGAGE LOAN AND NAME OF SELLER. XXXX XXXX XXXX STATES FOR HOME OWNER TO CONTACT SERVICER WELLS FARGO BANK. PLEASE PROVIDE LETTER OF WELLS FARGO BANK ASSIGNED AS SERVICER OF MORTGAGE LOAN BY XXXX 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 2016-11-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a Wells Fargo Bank credit card for about XXXX years. I was reviewing my charges, when I notice a protection charge in case of unemployment. I call Wells Fargo Bank customer service for a explanation. The customer service indicate to me that they could not help me that I had to call the protection company. Furthermore, I receive a letter about XXXX week later canceling the program and refunding XXXX for 8 months and that I had agree to the product, but did not show me prove that I authorize or apply for the product. However, I have been paying for the product for 15 years. I had XXXX for XXXX in XX/XX/2015 and wells fargo bank never indicating to me that I had that option available to me..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
When contacting Wells Fargo to stop an ACH debit for a specific company they require the amount. If the company changes the amount to try and get the money, Wells Fargo requires you to place another stop payment for additional {$31.00}, for any amount that they may try to process. This can add up and puts the customer in a situation to be taken advantage of by the ACH company or Wells Fargo. They should be able to stop an ACH payment based on the ACH company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
A few years ago I had loss my job and I was unable to pay my loan. Navy Federal allowed me to defer XXXX payments, but did not disclose that by deferring the payment changed the terms of the loan making it a balloon payment at the end. I also did not get any disclosures about the per diem charges on late payments on top of the late fee. This is predatory lending by them failing to disclose the information in a timely matter ( before I decided to get the loan with them or defer the payment )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I had a mortgage with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.

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 2015-06-02 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:
Wells Fargo caused me to overdraft by lying about the amount of money I had left in my account. I made a payment to different place and they took the money out of my account holding it and showing it as pending. I check my account balance on the regular on the mobile app to avoid overdraft. It said I had an available balance of less than {$20.00} So I used my card to get food for approx. {$10.00}. I checked my account that night and it stated I had $ XXXXeft and I checked this morning and it now states that I have a negative balance of {$14.00}. There is no way that I could overdraft if they take the payments out a soon as I swipe my card and mark it s pending and hold the amount of money and show my new balance after taking out the pending charge. I talked to XXXX and her Supervisor XXXX from the Wells Fargo customer service department and both tried to tell me the money was no taken out when it stated pending and tried to blame it on the merchant I purchased something from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We have been working on a short sale with my mortgage lender for over 6 months. We have a buyer that is meeting the lender requested value based on the appraisal of our home. The lender is stating they are waiting on a variance from HUD to schedule settlement of our home. Our mortgage lender is stating they can not guarantee the scheduled XXXX sheriff 's sale will be postpone. Please work with my mortgage lender to allow us to continue with the short sale of our home and delay the pending foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation