vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I refinanced under the HARP program through Well Fargo and I feel that it is a very deceiving program. I have been trying to trying to get a lower interest rate and was turned down several times. I also was refused a 15 year mortgage and was told that I was not qualified. Under the HARP program I was told that I qualified for a 4 % interest rate and my monthly mortgage would reduce by {$60.00} and that I did not qualify for a 15 year mortgage. I also explained to Well Fargo that my unit owners insurance was always personally paid by me and was never included in my mortgage. I was told by Wells Fargo that I could do anything that I wanted to once I finalized the remortgage. ( 1 ) I was charged over {$4000.00} in closing cost, ( 2 ) Wells Fargo refused to let me continue paying my own unit owners insurance, ( 3 ) My mortgage payment was never lowered. I also contacted Wells Fargo with my concerns, they were very nasty and rude. And I was told that there were certain criteria I had to meet. I explained that my unit owners insurance changed from XXXX XXXX to XXXX and they sent a check to XXXX XXXX anyway. As of XXXX XXXX, 2016 I received another letter from Wells Fargo stating that my insurance expired on XXXX/XXXX/2016 and they were going to purchase insurance for me. I have made several attempts to get through to the Wells Fargo insurance division with no success. They are refusing to correct the error and recognize my current unit owners insurance through XXXX. I feel that the refinance under the HARP program is nothing but a scam for the mortgage companies. Wells Fargo will do anything that they can to make money for themselves and not the consumer. I have never missed a mortgage payment and this is how I am treated. If I had of known that Wells Fargo was scaming their good paying customers, I would have never refinanced under the HARP program.

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 2016-11-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
2 1/2 years ago I submitted a withdrawal request to Wells Fargo and I have yet to see my money. I was stupid enough to invest in the 401k plan that was offered by my employer XXXX and I have been lied to repeatedly. I have compained to everyone from the XXXX to the DOL to the FCC and everyone seems to think it 's ok for me to be treated like this. I realize what a fine upstanding crew they have over there at Wells Fargo but I 'm feeling slighted for some odd reason. I mean if I had their money and would n't give it back you can bet they 'd be collecting interest at the rate of about 25 % not to mention late fees in the amount of XXXX dollars a month. This is criminal behavior and I would like to see some type of action taken before I lose it all due to plummeting stocks thanks to the integrity of Wells Fargo.

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 2015-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to modify my loan with Wells Fargo for the past several years. All I get is the run around and their mischievous tricks that they use on everybody. When, " Keep Your Home California '' sent them the last mortgage payment they returned it, saying, no thank you. Then they started going after me for, " falling behind '' on my mortgage payments. When I applied for a different program from, Keep Your Home California, they pretty much torpedoed it, with these same tactics, forcing me into bankruptcy.

Company public response: Company 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 — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
A previous complaint was filed ( XXXX ) against Wells Fargo for a lack of information regarding a foreclosure against XXXX in XXXX Alaska. I requested all information and paperwork on this foreclosure. The information requested included all banking records as well as all mortgage paperwork Wells Fargo has on file. 
I requested all documentation that shows how XXXX had any unpaid debt. I also requested documentation of all payments and any complaints XXXX may have filed with Wells Fargo. 
I requested this information as Conservator for XXXX. Wells Fargo received a copy of that paperwork and my request for documents. Wells Fargo responded that they were working on it. It has now been 2 months and I have not received and of the documents I requested. The contact at Wells Fargo ( XXXX ) has not returned my phone calls or responded to email and Fax requests. 
I am asking the CFPB to assist me in gettiing Wells Fargo to respond. If Necessary Kick this up to the Justice Dept as a bank fraud investigation.

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 2016-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo continually charges me {$35.00} on XX/XX/XXXX for each overdraft used via my debit card. I have repeatedly requested that if the money is not in the bank to decline the transaction. Do n't charge me {$70.00} to decline the transaction. Please process as soon as possible. As always, I truly appreciate being represented by the federal government, specifically the Consumer Financial Protection Bureau. Thank you kindly.

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 2016-09-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have repeatedly disputed this with both Wells Fargo Dealer Services and the credit bureaus. A late payment is on my credit report in XXXX XXXX. The initial problem with this payment was mine as my bill payment was not made as set up on my bank account. 
However, the payment was NOT 30 days past due. The due date was XXXX/XXXX/XXXX and the payment and an authorization was submitted by WFDS to my credit union on XXXX/XXXX/XXXX. I was told it would post on XXXX/XXXX/XXXX and they posted it on XXXX/XXXX/XXXX. This caused the payment to exceed 30 days past due. Multiple disputes have had no results. As a result, the loan was paid off in XXXX XXXX and refinanced with another lender.

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 2015-11-25 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: KY

Complaint narrative:
I am currently a part-time student and full-time employee of the University of XXXX in XXXX, XXXX After graduating from college with a XXXX in XXXX of 2008, the economy collapsed and I could not find work in my desired field, I had to take whatever job I could find. Eventually I went back to school to get a more 'practical ' or 'useful ' degree- which I am pursuing now. My in-school deferment/forbearance time limit is up and I have not graduated and I am not making enough money to make the minimum payments of {$440.00} Wells Fargo is now also pursuing my Mother, the co-signer, for payment. She is the only XXXX working in her household as my Father was laid off and has been for quite some time. She and I together offered {$75.00} per month as a payment we could afford because we all live paycheck to paycheck. This good faith payment was not good enough for Wells Fargo and they are refusing to go lower than {$310.00} per month. I tried everything I could- offering that I could make the larger payments once my car was paid off, asking about consolidation ( not available because I am not current on the debt ), filing for more reasonable payments, requesting an extension of the loan repayment term, and anything else I could think of- but, I was told there were no options : I must make the payments or my balance will become due and then turned over to collection agencies. I need help and I do n't know where to turn to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
My bank had approved me for a car loan and I went with a company who said they would take over the responsibility and roll my payment for Wells Fargo into my new loan with their company. I had the car quite some time before they asked me for more information needed to close the deal and the car and had paid several payments. The deal ended up falling through because the money that my bank approved me for was not enough for what they were asking for the car. I paid on time and thought they were paying on time. I have been marked late multiple times after I have sent paper work showing them the loan my bank had approved me for and how I was doing business with the other company, that took over responsibility for paying my loan. I take pride in paying my bills on time and have disputed information they have reported and instead of looking at the timely payments I 've made in the last two years and seeing something had to have transpired and looking more depth into what has happened they keep brushing it under the rug and not trying to see how they can help resolve the issue. As soon as the loan fell through I took back over the payments and paid the account off in which that is what shows at this time. Not to mention Wells Fargo started trying to charge for some type of card I never had with them and for some reason they could never find information on when asked.

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 2015-05-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wellsfargo has denied my request to defer my loan. They will not work with me or give me a forbearance through my struggling times. Instead after my request they sent me a letter to let me know my monthly payment has increased. I will no longer pay wellsfargo until this matter is resolved and they remove the late payments from my credit file. This is my XXXX time reporting them to you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I did not give permissable authorization for XXXX XXXX t give my credit report information to Professional Financial Services for a application on any vehicle loan. I have governmental XXXX financing & never signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all XXXX companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a credit line increase through Wells Fargo so that I can increase my credit score. I have never been late with any credit card payments. Wells Fargo rejected my inquiry to obtain a credit line increase. My XXXX XXXX score is XXXX. I requested a supervisor. A Wells Fargo supervisor named XXXX ( Employee ID # XXXX ) stated that there was very little activity on my XXXX card. I replied that Wells Fargo was doing an injustice for excellent customers. So, now I have a hard credit pull from my report and no credit line increase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Previously had a loan with Wells Fargo Dealer Services. Due to unexplained, exaggerated, and unnecessary fees and charges, I elected to service through another institution. I no longer have a loan with this bank. It was bought out two weeks ago. 
Wells Fargo Dealer services continues to call and harass, nevertheless. They will not take incoming calls, leaving instead a very untruthful statement about the effects of hurricane XXXX on their call center. 
They refuse to stop calling and this must stop. Wells Fargo has a well documented history of very unsavory and unethical practices. Why are they continued to be allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have submitted a complaint already but it seems i can only put XXXX account number in so i 'm doing another because i have XXXX accounts opened by Wells Fargo with out my knowledge. So while applying for my first credit card i could n't get passed the red screen and there were no records of any accounts being closed for being negative or being sent to collections. When i was accepted for a new job XXXX a few days before i was supposed to start they pulled back there offer and said its because of my background check on my credit. I contacted XXXX and found that i had XXXX accounts from wells fargo sent to collections and that i owed over a thousand dollars. I took the account number and contacted Well 's Fargo about it and had them give me the application for the accounts. All the info points to fraud and it happened in XXXX in the middle of the scandal going on. Looking over the application i have never met the banker or stepped foot into the branch. Also i never owned a business and the documents are missing paperwork that says the business is an actual business. Some how they got a hold of my mothers phone number and used that as the business phone. Put XXXX for some boxes and said i grossed {$5000.00} in XXXX when i was n't even XXXX yet. The documents also have no signature and are boxed to be filed manually and from my understanding from my banker that means i needed to be there to open the accounts and there needs to be a signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My purse was stolen from my car. I immediately went to Wells Fargo to cancel all accounts and set up all new account ( this was on Tuesday XXXX XXXX ). They assured me the criminals who stole my purse would n't be able to get into the new accounts. On Thursday XXXX XXXX, we saw deposits into my account and ran straight to bank. They say there are n't sure how they got the new account #. either the teller gave it to them or this group has someone working inside the bank to help them. Friday XXXX XXXX, my account is a negative XXXX. I will be leaving work early to go again try to figure this 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 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened an account as part of a new account promotion : {$100.00} for receiving {$500.00} in direct deposits within 60 days. After the opening of the account, Wells Fargo stated that I enrolled in the promotion after it ended ( which is not true ) and was therefore ineligible for the bonus. In response to a previous complaint ( attached ), Wells Fargo stated to me and the CFPB that I would receive the bonus if I fulfilled the direct deposit requirement. After the requirements were fulfilled, Wells Fargo is now stating that I am ineligible for the bonus, and has not replied to my production of their previous response to the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX I attempted to make a on line payment agreement but in error I made a payment and a payment arrangement for the amount ( {$350.00} ), got a receipt of the transaction an realized it was wrong immediately called XXXX and spoke to a representative who fixed the issue but did n't reverse the full payment of the above amount. It hit may account after I was told it was taken care of by XXXX associate who set up payment arrangement but did n't reverse charges of full payment. Wellsfargo allowed the payment process even after I called to stop payment stating it takes 10 business days for them to investigate in the mean time my account is in the negative. Contacted both my bank and the merchant with no return call from either company. During this time I was charged for insufficient fund for XXXX accounts XXXX, XXXX and XXXX which I should not be cause it was due to insufficient funds the bank caused my account but now each one has charge me {$35.00} a piece for insufficient funds which I did not cause and was in the allotted time under investigation. I was told by an agent that all charges would be reversed and handled due to this inconvenience to me but they are charging me {$100.00} for insufficient funds which I did not cause while under investigation. I am very dissatisfied with the out come and need to understand why it was not communicated to transaction department or in my file that my account was under investigation for XXXX and that any money coming into my account was not a part of the status that the bank caused ( a direct deposit was made from work on XXXX ) once I informed them that I needed those funds reversed back to the merchant.

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 2016-06-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo special interest free credit cards. XXXX problems with paying the card. 
1. When doing a monthly payment, one can not put in cents. This is a problem due to not being able to take the payment and dividing it by XXXX. One needs to calculate the first payment to include the cents of future payments because there web site can not handle cents on monthly payments. 

2. This is the most egregious. When setting up a monthly payment one can not set an end date. Thus, a year from setting this up, one needs to remember to cancel the monthly payment, else they will continue to take withdrawals. You then need to request that they refund your overpayment. 

3. Their web site is unaware of payments and will not allow monthly payments until current payments are processed. It took three days for me. This was annoying because I needed to continue coming back to the site so I could do monthly payment. 

4. Although the contact people were pleasant, they were hampered by the web site being poorly set up with restrictions that there was no solution to.

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

Complaint narrative:
This is a complaint against Wells Fargo Bank. For the lack of consideration, respect, and ethic. Without noticing, they have decide to block my business account of XXXX XXXX XXXX XXXX and with an amount of money that I am needing, that was {$4200.00} that was deposited yesterday, XX/XX/XXXX. The lack of ethic that they blocked the account after me depositing the money. This is a joke and lack of consideration and discrimination. On top of that, The money I deposited does n't even show in the account. Where is my money? I do n't know where it is. They either stole it or are playing with it. Other than that, they also blocked my personal account, with a sum of {$9300.00}, they have left me with out money to use. This is lack of respect and consideration. Today, I called to find out what was going on, and their response the money was blocked because they decided to close my accounts. Without even telling me or noticing, and they did it after me depositing my money. And apparently, I have to wait until XX/XX/XXXX until they can open my account and there is n't even a chance of them of giving the money back. They did n't even think, they make the country think they are a good bank, that is a lie to the country and the citizens.

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 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
An account was opened with Navy Federal Credit union which lists me as an authorized user on a credit card that I have never had possession of or have never used

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief