vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have Wells Fargo Business Accounts. When I visit my business account the company advertises a Small Business Line of Credit- pre approved for XXXX to XXXX. However, when I applied they only approved XXXX. I would not have applied for XXXX. I have excellent credit and do n't need smaller amount of credit line than XXXX. This resulted in a credit inquiry on my credit report, which will lower my score. Wells Fargo did False Advertising to entice people for loans, but approved much smaller loans that originally promised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a letter on XXXX XXXX that was dated from XXXX XXXX from Wells Fargo. It stated, " we reviewed and found an unusual volume of purchases and/or payments made using this card. '' And it continued to say, " if it continues beyond the receipt of this notice we will close your account and your rewards balance will be forfeited. '' I completely stopped using the card altogether. At this point, I had {$3500.00} in rewards that were earned during this billing cycle and I did not want to risk losing them so I did not use the card again. My credit card balance was more than {$24000.00} at this time with a total limit of {$25000.00}. I was basically maxed out and absolutely needed to make a payment so I did not risk adverse action from other creditors if I allowed the total balance of {$24000.00} to report on my credit reports. So I made a payment to get the balance down and this payment was the only activity on the card after receiving the letter. 

Wells Fargo closed my account anyway and I received a letter dated XXXX that stated, " per the warning notice we sent, we closed your account on XXXX. You can no longer make transactions with this account and your rewards balance has been forfeited '' Wells Fargo clawed back rewards that I earned legitimately after sending out a warning letter, to which I obeyed, and cited the warning letter as the reasoning behind the closure. 

I have read some of Wells Fargo 's responses to other complaints and Wells Fargo does not need to inform me that my CURRENT rewards balance is {$0.00}. I know that it is {$0.00} as of today. It was {$3500.00} before my account was closed and Wells Fargo forfeited them.

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 2015-12-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am lodging a complaint against Wells Fargo. I have tried to modify my loan with them for about three years. I never get follow up I 'm always playing phone tag and they are not helpful at all. This past Sumer they offered a workshop in XXXX NJ, At that time I met with an under writer and they told me they where going to get me into a better mortgage with a traditional loan and a lower interest rate. I was so excited and felt they where really going to help. My trial period began in XXXX but the payment went from XXXX to XXXX. 
I was shocked. They told me it was to get me caught up. A new payment amount will be lower when the trail period ends. To my shock, the new payment only when down XXXXDollars??? Now when trying to get answers there was little information they could offer. 
I stated to them they have to reduce my interest rate in order to get me an affordable payment. I stated I was contacting the CFPB and boy did their ears perk up! 
This was on XXXX/XXXX/15 that I received my new modification and also on XXXX I called them. 
Later that evening a received a call from a customer service rep. concerned about the conversation I had earlier that day. He told me he would get back to me within 5 business days. That never happened!! My paper work from the modification stated that they needthe modification signed and returned within XXXX business days or it could go null and void. 
On XXXX I left XXXX messages XXXX with XXXX XXXX my specialist and with XXXX XXXX XXXX from customer service. I never heard back. Knowing I had a dead line XXXX/XXXX/15. I sighed the modification and mailed it off. Today, XXXX/XXXX/15 I receive a phone call from XXXX. He started the conversation off my saying he had information regarding my loan. I though maybe he worked out a lower interest rate with the underwriter but during the phone call hestopped himself, as if he was reading something, and stated he JUST noticed I returned themodification paperwork and by signing and returning it that must mean I agree to the terms. 
I explained to him I had a deadline and was afraid that the modification would be voided. 
I stated I 'm not happy with my new terms. He got real squarely!!! 

I have been miss lead and miss treated be this bank. They think they helped me myreducing my interest rate from a XXXX to a XXXX rate. Really, that 's all they could do. I think they are really playing games. A friend told me about CFPB and said it was established to help consumers when they feel trapped and no where else to turn. I am going to hopefully be in this house for a long time and would like to pay a more reasonable payment. Being on permanent XXXX hinders our financial situation. I came down with XXXX and our medical bills are through the roof. Along with raising XXXX young children in this difficult financial time, we could use all the help we can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed for acceptance in the XXXX program with my servicer, Wells Fargo Home Mortgage. I was denied acceptance into the program for the Underwriter intentionally miscalculated and included my bankruptcy payment. They had been notified that the bankruptcy was to be dismissed, not discharged, on XXXX XXXX, 2016. Not once was I offered assistance with the XXXX Program. I contacted the XXXX number and was counseled by XXXX XXXX. I contacted XXXX and am now awaiting assistance from a XXXX who contacted me on XXXX XXXX. XXXX XXXX, who is assigned to work with me at WFHM stated I was denied for the XXXX because my investor rejected it. When I asked her the name of my investor, she stated XXXX FHA. On XXXX XXXX I received a call from XXXX stating she was with the XXXX XXXX of XXXX. She conferenced XXXX into the conversation and prompted her to look for the qualifying criteria for the HAUP. XXXX ( after stating to us she was familiarizing herself with the program while on the phone with us ) stated to me in order to qualify for the XXXX that I had to be actively seeking unemployment and that 's the reason I was denied, for I did n't state on the documents that I was actively seeking unemployment. I thereby stated, " Anyone with common sense knows that if you are receiving unemployment in the state of Texas, job search is a requirement and nobody told me that I had to state that on the documents that I faxed in to them for the HAMP program. Nowhere on the forms does it ask are you actively seeking unemployment. '' What kind of games are they playing? 
I submitted all requested documents timely. The point is .... Although I submitted my award letter from the State of Texas verifying I was unemployed ... Wells Fargo FAILED to consider me for the Unemployment Program. 
I was transferred to the Special Forbearance Dept of Wells Fargo by XXXX on XXXX XXXX and spoke to someone who identified themselves as XXXX XXXX. He assured me someone would contact me on XXXX XXXX. No one ever called. Now I 'm being told to resubmit paperwork for an appeal. Why do they send people through this unnecessary stress? 
Did n't the Federal Government allot monies for these programs so the investors at this bank would be compensated? 
They never offered to extend the duration of my mortgage to lower my payments. 
They never offered to reduce my interest rate to lower my payments. 
Their only offer is a short sale or deed in lieu for my home! 
It 's as if they intentionally SET THE HOMEOWNERS UP FOR FAILURE! That is their intent! 
Now, I do n't trust them to have my best interest in assisting me in keeping my home. 
They are going to get their money, just work with us, but ... unfortunately, they do n't seem to care. 
My prayer is XXXX XXXX for Wells Fargo Home Mortgage. 
Shame on you Wells Fargo Home Mortgage.

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 2017-01-15 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
my account on social security was changed to Wells Fargo account for my XXXX check to go into called Wells Fargo get run around called social security sill run around my check hs not been found as of today XX/XX/2017 this is second check XX/XX/2017 XXXX took all my money from check and returned XXXX illegal gar need my check what all my money return enclosed is letter from the Treasury

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On 3 separate occasions Wells Fargo sent a 3rd party company to call on my tenants in my rental building advising them that the property was going into foreclosure. I have been advised by legal counsel that this is illegal activity and that Federal Law prevents a lender from such practices. Furthermore, this is absolutely not true - foreclosure proceedings have not begun on this property, confirmed by Wells Fargo. Wells Fargo is in XXXX position with this equity line. The first occasion was to my XXXX floor tenants XX/XX/XXXX, XX/XX/XXXX. The gentleman advised them that he was representing Wells Fargo and that this property was going into foreclosure. They took a picture of him. 

The second incident was to my XXXX floor tenants, XXXX XXXX, 2015 and they returned there again on XXXX XXXX, 2015. On XXXX XXXX the gentleman said, " I 'm not supposed to tell you this but you might want to know that your property is in foreclosure. ''

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 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have had an awful month. I 've been ripped off by a couple of retailers and filed complaints with my bank, Wells Fargo. Wells sent me a letter yesterday asking me to respond the day before. They said they had questions about my allegations. The amount I am challenging is {$130.00} This is incredibly insulting and infuriating. Furthermore, I feel as though the delivery of the letter was timed so that I would not be able to respond in a timely manner.

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 2016-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
XXXX v. wells fargo The purpose of this complaint is to investigate interest charges and administrative fees on my home mortgage while it was in litigation for the past 33 months, approximately. 
My home is in pre-foreclosure. I have an interested buyer, however, the list price was based off of a principal payoff of {$110.00}, XXXX as quoted over the phone by a Wells Fargo associate in the foreclosure department. When I received a payoff statement from Wells Fargo by mail it had a figure of {$150000.00}. 
The loan was originally {$95000.00} at 5 % interest with an additional {$32000.00} at .5 % interest ( for a XXXX rehab loan offered by H.U.D. to make sure homes are habitable and meet Indiana code ) totaling {$120.00}, XXXXXXXX5.5 % interest. 
Aside from being taken advantage of as a first time home buyer from the beginning of this mortgage process ; now that I 'm trying to reconcile a reasonable balance Wells is continuing to dig a financial rut for me that at my age of XXXX, I unlikely will be able to get out of. ( at first I had been approved for a conventional loan, then it became an FHA loan which is when the XXXX rehab attachment to my mortgage occurred ). 
Please investigate the unreasonable and uncustomary fees they have attached to my account as well as the fact they sold me a home that would take in excess of {$70000.00} to bring to code not {$32000.00}. I am attaching letters I 've sent to Wells Fargo pleading for a resolution. No one of executive authority will directly handle a call or respond to my letters. I have been able to get through to middle management. Today I was told they intend to go on with a foreclosure sale and will send me a breakdown of how the interest has accumulated on my account. I need more time to resolve these charges and/or create a different approach to selling the property. ( my father is deceased, but XXXX ). ( I feel I was taken advantage of at the time I was transferred from conventional approval.. ( .closing of XX/XX/XXXX ) to FHA eligible.. ( closing of XX/XX/XXXX XXXX Mortgage Loan Identification : XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX Attachments : Copy of XXXX contract submitted by H.U.D. contractor ( XXXX ) Payoff transmittal form dd XXXX/XXXX/XXXX Complaint to Wells Fargo Complaint Department dd XXXX/XXXX/XXXX Correspondence to Sr. Vice President XXXX XXXX dd XXXX/XXXX/XXXX ( XXXX office assistant responded via telephone XXXX/XXXX/XXXX, XXXX ) Document from XXXX detailing personal home owners insurance premiums paid by home owner not Wells Fargo Accumulated interest breakdown ( from Wells Fargo ) ... forth coming via fax and/or email XX/XX/XXXX correspondence to my attorneys of XX/XX/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 2016-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I missed my XXXX Payment due to car problems that needed to be fixed. 
There is one payment in my Chapter XXXX as I filed XX/XX/2015. 
The people in Home Modification Department have kept my monthly payment in Unapplied Funds. On my XX/XX/XXXX statement it shows {$2100.00} in unapplied funds. My payment according to this statement was {$1100.00} yet they would not apply this amount as a payment. 
In XX/XX/XXXX I sent in Check XXXX in the amount of {$1500.00} which has been cashed at XXXX XXXX. To me this is not correct and my payments should be applied and not kept as unapplied funds. XXXX XXXX at Wells Fargo stated I had to be in this situation due to the fact all payments have not been met. Her number is XXXX Extension XXXX. I need help in with this As Soon As Possible. I did not want a loan modification just to get caught up on my loan. I feel strongly I have done that.

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 2017-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX Was referred to XXXX XXXX Written Correspondence and fax # XXXX ... Submitted all paperwork for Release of Partial Lien on property that the home mortgage is NOT on. We have XXXX plats that encompass the property we own. Well Fargo has a lien on a piece of property that we traded property with back neighbors to square our property off on XX/XX/XXXX. This was an even trade ... .no money involved. Wells Fargo has a lien on their ( XXXX ) property and they need to sell it. All paperwork was submitted to Wells Fargo on the fax # above given to us ... they said it would be finalized by XX/XX/XXXX. That date came and went. I gave authorization to XXXX XXXX XXXX to talk to Wells Fargo regarding the loan lien on his property XXXX submitted all necessary signed authorizations to Wells Fargo. We have XXXX faxes we have submitted and he told us he only received one. A supervisor was asked to intercede.. XXXX XXXX XXXX said faxes were received and he told us we did not have to send any more faxes. XXXX XXXX said he only received one fax. We expected this to go easy but feel we have been ignored ... XXXX XXXX has been ignored ... .and this is a complaint to get this solved. We have been paying taxes on this property all along ... .it is not included in the property plat the home is on. We submitted all legal documents and were told we did not have to submit anything else. we need help in rectifying this situation. We receive no phone calls from them ... .we call and get nowhere ... no one to talk to ... XXXX XXXX is always busy or gone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I currently am delinquent on my mortgage payments and am in the process of going through a modification review. I have provided all documents requested of me by my mortgage company and am waiting for their decision. I also have a foreclosure sale scheduled on XXXX/XXXX/16 and need some assistance getting it postponed. Please help me keep my home, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have a bank account with Wells Fargo which are charging me fees so I want to close it and transfer the money to XXXX XXXX XXXX. When I originally tried to transfer the money disappeared, I contacted them and they said a bank check was sent ( which I did n't ask for ) and that they have to request it back which is going to take 10 business days to have the money in my account. First of all why are they doing a bank check when I am sending an electronic transfer? Anyway after some time the money appeared. I tried to transfer again, then I could n't because on-line banking would n't allow a transfer then I kept at it and find away to add XXXX as a bill payee. So, I tried to send a transfer then it said I did n't have enough money, then I figured out they were taking {$3.00} to transfer to I made it less. Almost at the stage of transferring and it says I need an access code to my mobile. Well I do n't have a XXXX XXXX anymore because I am in XXXX XXXX now. I tried to change my personal details and it wont let you change the number to XXXX. I then had to contact International toll free number, then it says you ca n't ring on a mobile! So I have to find a land line to use. I find one then the guy says to me I ca n't transfer it, that he ca n't give me an access code because I do n't have any security questions on file! I just ca n't believe the hassle with this, how hard is it to get my money out of this bank and put it in another. I have many bank accounts around the world and this is the only bank that at every step is stopping me taking my own money out. Also, they keep charging me fees. It 's two months now since I tried to take the original amount out. So, the operator says I may have to do a bill payment, when I go to set it up its says I ca n't. At this stage I 'm just so angry and having sent numerous emails to Wells Fargo with no proper solution I go in and change the mobile number to my friends. Well when I go back in to do the transfer, they have now stopped this service. I am just so sick of this bank, all I want to do is take my money out and put it in to XXXX XXXX XXXX. Surely they deal with people all around the world, you ca n't tell me they ca n't transfer money from one bank to another when someone is XXXX!!! I 've never had any problems with my other banks. I want to make a complaint because from what I can see, they are holding on to my money and stopping me taking it out. I just want my money and be done with this shocking bank.

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 2017-02-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo is not working with me at all! I have filed charges before and all they do is send me copies of past modified they have done! they have tried to sale my house from under me! Saying they sent letters to me which was untrue! I have showed extra income needed and they still wo n't help! This has been going on with a very large past due owed on my little house and the appraisal is n't for a legal duplex all! Someone wants my house badly enough I will do whatever it takes to save my house! These banks take advantage of people and it 's not fair! Help me please! 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 2016-12-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I entered into a mortgage modification with WFHM XX/XX/XXXX through XX/XX/XXXX. I was advised by at least XXXX mortgage specialist ( staff changed constantly, so communication was difficult and there was poor transition between staff. I was advised however by each of the specialists that upon completion of the modification, all late payments would be removed from my credit report. XXXX is now disputing this fact. My credit is now so severely affected that I have no options for refinance 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 2015-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I withdrew money out of my account at a branch of my bank in another State. Later, I took the money out of the envelope, counted it and discovered that I am short {$100.00}. The teller counted the money out incorrectly!

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