vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
HERE IS THE FIRST EMAIL I SENTGood Morning XX/XX/2015 re stop payment removalOr it was until this happened! @!!!!!!!! 
I put a stop payment on a payment I had made to XXXX that cost me {$31.00}. ... I now have to pay a late fee because when I went to pay XXXX online it did n't work. I was not told that it takes 2 business days to remove it. I called the so called Customer Service Dept. and what he said floored me., " I am sorry but there is nowhere in the script that says to tell you about the 2 days it takes for it to be removed. The supervisor XXXX XXXX told me that.. I said " does n't that sound ridiculous '' ... The XXXX answer was " that 's what it says '' Now if I do not get that {$31.00} removed and that script is not changed I am going to write to the Banking Commision as this is ludicrous ... also my daughter is an XXXX and I know she would love this story ... 
XXXX EMAIL XXXX.XXXX.2015Since this email below that I have not received a response to now I am having a hard time believing that no one can help me release a stop payment ... What in the world has to happen behind the scenes to get a release down. Sounds to me like the airline co. that charge you to flip a switch which made the judge pretty mad. 
so now my XXXX payment will be 6 days late because first no one let me know when I set up a stop payment that it takes 2 Business Days to release it ... First ludicrous statementand XXXX I release it XXXX Wed XXXX XXXX and now I find out it wont be released until Mon XXXX XXXX ... 
SO SINCE NO ONE IN THIS CO. IS WILLING TO EVEN ANSWER ME i AM NOW GOING TO THE BANKING COMMISSION AS WELL AS XXXX XXXX TO EXPOSE THE RIDICULOUS BANKING RULES THAT PROBABLE ONLY APPLY TO CUSTOMERS WHO RUN YOUR BUSINESS AND NOT THE PEOPLE THAT WORK THERE.\

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had made my third trial payment with Wells Fargo Home Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to XXXX XXXX and when I called XXXX XXXX although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at XXXX XXXX said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company XXXX XXXX. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have that which I thought was super strange. After that I decided to check the reviews on XXXX XXXX and saw that they had XXXX complaints and not one good review I guess Wells Fargo knew exactly how to give me and my home into more issues.

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 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo stopped drafting our account after my husband filed Chapter XXXX bankruptcy even though the mortgage loan was not included in the bankruptcy. They took our payments and then partial payments for a while but would not apply them to the mortgage due to the bankruptcy according to them. We applied for a loan modification and they asked for the same documents multiple times and drug the process out over a year. After getting no response from Wells Fargo, we were contacted by a company called American home preservationists. They asked for the same documents as Wells Fargo and instructed us to stop speaking to Wells Fargo. We sent them three months of payments in good faith. After receiving over {$3600.00}, they stopped answering or returning calls. 
Wells Fargo has now sold out loan to a company called XXXX XXXX. They are again requesting the same documents we sent Wells Fargo despite Wells Fargo sending us a letter stating they had forwarded all our documents to XXXX. 
We are 20 days from foreclosure and DO NOT want to lose our home. 
Wells Fargo account # XXXX American home preservationists account # unavailable but contact name is XXXX XXXX, XXXX, XXXX XXXX supposed underwriter. XXXX XXXX contact XXXX XXXX, XXXX. 
This has been going on since XXXX 2015!!!!!!!!!! 
Please help us not lose our 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 2015-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I deposited a check from my roommate into my account because I paid the move in cost for us to move into our new apartment. His check returned, the bank never release the money which is a good thing and I got accessed a returned check fee, which I do n't mind paying. The bank has now restricted my account and is scheduling it for closure. This is unfair to me as I need this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had a credit card account with Wells Fargo for almost XXXX years. During this time I Have never been late nor been over my limit. I pay several bills each month on or about the XXXX. I keep a log of the date I pay the bills that are not payed via auto payment. The Wells Fargo Visa card is logged with a payment of {$30.00} made on the due date of XXXX XXXX. Wells Fargo indicates that I did not make this payment. This again would be the first payment I have missed in XXXX years of doing business with Wells Fargo on this card. When I logged into my account to make my payment in XXXX, the statement reflected the missed payment and a late charge. I contacted Wells Fargo about the missed payment and they reversed the late fee. I then made a double payment on the XXXX of XXXX to cover the payment for XXXX and XXXX. When I tried to log into my account in XXXX, I no longer had on-line access to my account. I tried to contact Wells Fargo by phone and was told that I owed an additional late fee for XXXX. I tried to get them to transfer me to the on-line help desk to allow me access to my account so I could see what they were charging me for, and they would not without making a payment. I again made a double payment, but was hung up on before obtaining access to my account. There have been no new charges to this card since XXXX of 2015. My minimum payment has gone from {$27.00} a month to {$180.00} for the month of XXXX. I have made monthly payments well over the minimum payment every month since the supposed missed payment in XXXX. I have called several times and continue to get the run around from Wells Fargo. I was finally able to get them to transfer me to an on-line support representative who assisted me in accessing my on-line account. The minimum payment due is associated with fees that should not have been charged. If you look at my credit report and history you will see that this is the only financial institution that I have any type of problem with. On the contrary, I handle my monies very responsibly. This account in itself was in perfect order until the so called missed payment in XXXX. I see this as a total abuse on Wells Fargo 's part. Do I have any recourse? 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 monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We submitted a Qualified Written Request to Wells Fargo on the First and HELOC to provide a copy of the promissory note in its current form with all allonges and the name of the true lien holders, and they have twice refused to comply. More then 3 months have passed since the last request and they keep delaying although the law requires them to comply within 10 business days. 
Compel them to comply, or reconvey the note. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 2016-10-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I transferred money into the wrong account, I called Navy Federal Credit Union as soon as it happened ( XXXX EST ) and was told that I could not get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I deposited a {$1900.00} check and was told it would clear by Tuesday. I was unsure whether or not the check would clear so I went to the Wells Fargo branch and specifically asked if that check had cleared the account and was cashed into mine. Wells Fargo confirmed that the money was not just available, but the check had been processed and went through. Confirming that it was not a bad check, or so I thought. Based off of this information I took out {$1200.00}. The next day I receive a notice that the check did not go through! The {$1200.00} was non-refundable so I am now out {$1200.00}. I called Wells Fargo and asked that they make amends for their error and credit my account but they refused. So now I am turning to the CFPB to see if I can get my {$1200.00} back because I would not have taken the money out unless Wells Fargo told me definitively that the {$1900.00} check cleared the senders account and was now in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened an account at Wells Fargo Bank approximately XX/XX/2017. On XX/XX/2017 I went into the branch bank on XXXX XXXX in XXXX, Virginia to deposit my paycheck. The check was for {$610.00}, and I was told I would be allowed to receive {$100.00} and the remaining {$510.00} was deposited into my account with a hold on the money until XX/XX/2017. My account shows that the deposit of {$510.00} was made at XXXX on XX/XX/XXXX. A deposit of {$300.00} was made this same date at XXXX I did not authorize the deposit of {$300.00}. I checked my statement on XX/XX/2017 and the bank had removed {$510.00} from my account without me being advised of the withdrawal. The reason showing on my statement online was " {$510.00} deposited in error, transaction reversed. '' I called the bank and talked with XXXX XXXX and was given the name and number for XXXX in the Research Department. I called XXXX and was told they would research the problem, and that it would take up to five business days. I waited the five days, and called and spoke with XXXX XXXX. XXXX XXXX told me the case was closed, because the check had been deposited by telephone, and at the branch also. I advised XXXX XXXX that I did not make a deposit by phone, but did make an in-person deposit at the bank on XXXX XXXX. I asked my mother, XXXX XXXX, to be an advocate for me in dealing with this problem with the bank. XXXX XXXX called the bank and spoke with XXXX XXXX inquiring as to how she could discuss my account with a bank representative. XXXX XXXX first told XXXX XXXX she would need to be put on my account, but later said she checked with her manager, XXXX XXXX XXXX and was advised that XXXX XXXX could accompany me to the bank to discuss the situation. On XX/XX/2017 XXXX XXXX and I met with the branch manager of Wells Fargo on XXXX XXXX in XXXX, Va., XXXX XXXX. See attached documents pertaining to this meeting. You may remove any names and account numbers to use the document as a website posting if needed.

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 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XX/XX/XXXX my mother filed bankruptcy during this time ASC or wells Fargo was reporting this account XXXX Days late in bankruptcy as long the account is current you have to report it as current you can say this account in bankruptcy but that is it, I was not in bankruptcy or list in it, so my account should not be affected when I contacted ASC XX/XX/XXXX to have them straighten out they had credit bureaus all XXXX Delete account that way I could n't show I had a mortgage and it would keep me from getting another company to finance us, I have sent the discharge letter to all XXXX Credit Bureaus asking for my Mortgage be put back on my Credit from XX/XX/XXXX when Bankruptcy ended and to update it as Current per the Courts and the Chapter XXXX Trustee, All I keep getting back from credit bureaus is there is no account on my credit report I know cause they deleted them and for no reason, Now I am getting ready to have XXXX refinance me within the next year I am a XXXX and I need this fixed ASAP, I know why Wells Fargo had them delete to keep me from getting another loan cause I do n't have history No one will refinance us.this has been removed since XX/XX/XXXX my mom started the bankruptcy in XX/XX/2006 this is still a issue and its ridiculous they have my mom in this bankruptcy for her mortgage and its the XXXX XXXX back to back they messed up the first bankruptcy and let them tack on {$2300.00} after completion so we ended back in bankruptcy.

Company public response: Company 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 — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
They have reported a debt for XXXX to the credit reporting agencies and it has ruined my credit. I do n't have XXXX nor have I ever had XXXX. It just appeared on my reports, and I want it removed immediately

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 2015-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am enclosing the letter to the Attorney General 's Office. 

I am facing a hiring fraud and credit card fraud because Wells Fargo allows their accounts to reverse payments weeks after payment was received and spent again. I was paid through XXXX Wells Fargo accounts and the funds were put into my credit cards, but they were taken away again ... leaving me with a massive debt. I went to the local Wells Fargo branch to see what could be done, but they would n't help because the I was not permitted to see the XXXX accounts. 

I was scammed by XXXX XXXX XXXX if that is her name XXXX and XXXX Systems XXXX if that is truly the company name. I was told that I was hired as a buyer, but for the first few weeks I had to use my credit line to make purchases ... supposedly until the corporate credit card was ready for me. Payments were made to me in advance by following this procedure:1 ) Take a credit card with a balance and pay that off with XXXX funds. 
2 ) Ring up new charges on that card for XXXX purchases to the amount XXXX provided. 
3 ) Repeat 1 and 2. 

Needless to say, the job was n't real. The paycheck and benefits package never came. The payments to my credit cards were recalled with stop payment orders, so that the payments I had made were canceled. My XXXX card alone could cost me {$50000.00} in XXXX purchases. 

Wells Fargo enabled this kind of fraud by allowing the payments to be reversed long after they were approved. This gave the scammers a few weeks to build up my confidence, and then to hit me hard with massive reversals, all the while taking the value of the purchases I had made for them. The XXXX XXXX accounts at Wells Fargo must be showing frequent payments and reversals, and the way banks monitor their accounts these days, they must have known that this was unusual behavior, possibly criminal. 

I need to be protected as an innocent victim from this massive fraud. I also need to know that this can not be done again. Please tell me what can be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I generally pay my Wells Fargo credit card balance in full at the start of each month, but I just noticed that for the past 3 months I have been assessed a {$37.00} late fee on the XXXX of each month. A Wells Fargo customer service representative says that because my online payments were early, they were applied to the previous billing cycle, so I was always " late '' for the next cycle. However, in no case did I owe them any money for longer than 30 days. 

The sequence was like this : XXXX - pay balance in full XXXX - statements closes ( after the payment was registered ) XXXX - {$37.00} late fee ( on XXXX balance due to interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX ) I can understand how their algorithm might work this way, but it makes no sense in the online era when consumers may access their account and make payments any time. I suspect many others are falling into this trap ( and Wells Fargo knows exactly how many this is ). I voiced my complaint to Wells Fargo and they would only refund one late payment " as a courtesy. ''

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 2015-12-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a Wells Fargo mortgage modification package which is not in line with what I agreed to verbally with XXXX of Wells Fargo " home preservation specialists. '' I have already filed a complaint with CFPB ( complaint number XXXX ) because I did not feel comfortable with the vagueness of the Bank 's statements, but the complaint was closed because they provided a convenient generic response and I had no way of knowing whether or not they would act in bad faith. Instead of providing me with a fixed-rate loan, they sent me documentation for a new predatory loan ( adjustable-rate baloon ), not unlike the one I was lured into in the first place ( please see attached, specifically page XXXX ). The Bank seems to be setting us up to fail again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I contacted my bank, Wells Fargo, to ask about the current auto rates. They were only able to give a range of rates ( 3.49-18.49 % ) unless I filed an application. I declined to do so because I was n't committed to purchasing the car and did n't want a hard pull on my credit for no reason. About 3 week later ( on XXXX XXXX, 2016 ) I received written correspondence that my loan application was decline because " the credit application was incomplete ''. In fact, there never was an application. They also pulled my credit in violation of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a check come through my account on the evening of XXXX. When I checked my account on XXXX/XXXX/16, it showed the check had arrived, at XXXX which point I deposited enough money to cover the check. At XXXX at XXXX I received a insufficient Funds from the bank charging me a {$35.00} fee and making my account over drawn. I am requesting the bank stop charging fees when money was put in the account in a timely fashion to cover the check. every consumer knows this is a ploy banks use to make money off the consumer. Please assist me in stopping Wells Fargo Bank from charging my account illegally.

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 2016-10-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Bank transferred by Health Care Savings Account Optum with no prior notification to me of doing so. I have $ XXXX that is basically missing with no knowledge of how to access these funds or ability to verify the funds are still in my name. 

The funds were removed from my XXXX on XXXX and I noticed on XXXX a XXXX balance in my online account. I acknowledge that when contacting Wells Fargo, they have a recording notifying customers of this transfer, however this is the first I heard of it and I did not have the ability to opt out of this transfer to choose an alternative source to manage my account.

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