vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells Fargo Bank made an unauthorized draft against my business checking account last night : XXXX/XXXX/2016 DEBIT WELLS FARGO CARD PHONE PYMT - ********** {$400.00} ( {$270.00} ) This unauthorized access to funds in my account resulted in my account being overdrawn. In addition to this, other legitimate transactions were posted to my account after it was overdrawn and overdraft fees in the amount of {$65.00} were assessed by my bank. 

Fortunately, I discovered this situation this morning and my bank is being very helpful in addressing it. I have been using the phone payment feature at Wells Fargo for the past several months, but this most recent draft against my account was absolutely unauthorized. I had not had any communication with any person representing Wells Fargo to authorize this. 

This is actually not the first time such a thing has happened. The first time was confusion about how many electronic drafts I had authorized ( I had authorized XXXX payment, but because of poor communications I can see how they have plausible cover thinking I had authorized XXXX ). 

This time, there was zero communication between myself and Wells Fargo, only an electronic draft issued last night in the amount of {$400.00}, which I discovered this morning. 

I have had a history of slow payment on this account and Wells Fargo has normally been reasonable about letting me get the account caught back up. 

I happen to be still behind schedule ; I am currently due for two month 's payments after having been even further behind during the winter months. 

No doubt this is the reason someone at Wells Fargo made the decision to access my bank account without authorization from me. 

I understand Wells Fargo 's expectation to be paid but they are not authorized to access my bank account without my permission, as they did last night. I note that this transaction occurred across state lines. 

My bank is taking care of the immediate matter by refusing the draft from Wells Fargo and by crediting my bank account in the amount of the returned items fees I was assessed after my account was emptied by 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 2015-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I went to call my bank account information today at wells fargo XXXX/XXXX/2015 and they told me my account is closed. My local branch here in XXXX told me I had to open a new one now after a month of it being open it is now closed. I did n't receive anything in the mail I was kept in the dark. My original account was never closed like this until it was hacked into wells fargo told me, I do not appreciate being done like this and I need my social security money and now I will not be able to get it. I know the people who is behindthe wrongful closure of my complaint the XXXX manager XXXX and XXXX XXXX who falsely accused me of harassment. I will be suing wells fargo for the emotional distress they are causing me. Well why did n't they close my first account and now that I open a new one they close it out of the blue. There was no need for them to close my account after they told me to open a new one. I 'm glad I called about it before I purchased something or I would had been embarrassed. This is treating the consumer unfair and unjust. But I know what is really going on and who is behind this dirty deed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
ON XX/XX/XXXX Lexing Law firm notified me that on XX/XX/XXXX Wells Fargo had reported a 30 day late payment to all XXXX credit bureaus, and on XX/XX/XXXX there was a hard inquiry made from Wells Fargo without my knowledge. I will attach all documents that explain my complaint. I have n't had an account with Wells Fargo since XXXX XX/XX/XXXX that I closed, and was never late paying. I closed the account because of the small line of credit they offered. 
Note : just last month Wells Fargo had at to pay {$180.00} XXXX dollars in fines in lieu of a scandal of opening fake accounts. Just in PA alone there was XXXX fake accounts opened. I hope im not a victim of this scandal. 
XXXX to this above mentioned news is : The Morning Call reported 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 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
The bank repossed my car for late payments. Even when I had the proof of being on time. They kept the car until they found the missing funds.

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 2016-01-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX of XXXX I signed a promissory note for a student loan with Wells Fargo. The loan refinanced a student loan I took out to attend XXXX University. When the loan was made I elected online delivery preferences for statements and notices. I received notices each month as expected through XXXX. When I logged-in XXXX XXXX, I noticed that all billing statements were missing for XXXX XXXX - XXXX XXXX. I messaged Wells Fargo, spoke to a customer service representative and a supervisor in order to track down the missing statements. I was told that the statements were not generated and were not historically available. The lack of billing statements hinders my ability to keep track of my loan. I setup direct deposit and online statements so that my time would be freed up to do other things, like work to pay off the loan. Wells Fargo states that the billing statements were not generated because they received a returned piece of mail, but it 's not clear why that should impact online billing statements -- I have n't experienced this with any other lender. I elect online statements that reduce Wells Fargo 's printing and mailing costs, but they 're not holding up their side of the bargain by making all of my statements available online. Please help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We represent a XXXX of limited financial means. On his behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor received this letter requesting no further communication ( as evidenced by the creditor now sending communications to our client at our address ), the creditor continues to send our client monthly statements. By continuing to communicate with our client after receiving his request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act.

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 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WellsFargo did not pay XXXX County property taxes on time. Due XXXX, and not fully paid until XXXX, and a lien placed causing now my credit report to look like I did not pay on-time when I was not fully notified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I downloaded check images because online messaging ( in XXXX or earlier last year ) said you 'd stop having check images available from switching to the new system. I downloaded everything at that time, but it looks like you had a trial period that lasted another month and the images were n't moved over to the rest of the month. I have images from late XXXX to XXXX missing. Basically all checks from number XXXX to whatever is now showing ( # XXXX ), is not available to download. Further, I/we ( with help from family ) requested help from online support and they tried to say it should be there, which is not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yesterday, we loaded XXXX for XXXX. We used the feature to download account information and transactions from Wells Fargo Bank, which worked well. Then we received an email from Wells Fargo saying our account would be charged for the download service. We had no idea that there would be a fee, given how quickly and easily we clicked buttons to perform the automatic, electronic accounting, during which no fee opt-ins were generated. So we called Wells Fargo today and said we did not want to use the service or be charged for it. The call center lady transferred us to the XXXX specialist, who said there was another way to download the data via XXXX servers, at no charge. The XXXX specialist walked us through the setup, which required precisely the same steps we originally used. We asked what she did on her side to now make the service free. She said that she had not changed anything. We thanked her for making the service free, and asked whether the call was recorded. She said it was. We then requested that she print the transcript and send it up the Wells Fargo chain, since they 've recently been slammed for setting up XXXX unauthorized credit card users, with a penalty of XXXX. If Wells Fargo wants to be successful at bait and switch, at least they need to learn how to do it right. Seems they are getting fatter and happier, knowing they are too big to jail.

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 2016-12-02 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 account was closed for cause. I deposited two third party checks and the next day my account was frozen and closed for cause. I ended up having to call the check issuer a and have both checks re-issued. Wells Fargo has reported to XXXX that both my savings account and checking account were closed for cause which has caused me to be unable to open a bank account. The banks are too quick to close for suspected fraud which is causing many consumers unnecessary inability to open a bank 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
Consumer complaint received 2015-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: NC

Complaint narrative:
The collection agency keeps calling my cell phone with one ring everyday. when I return the toll free call ( XXXX ) to let them know that I do n't have a debt to pay and that I am a registered " do not call '' number ( XXXX ) they say they will remove my number but they keep calling ( over 6 months now ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, I was left a message on my phone that stated they were from the IRS Fraud department and they were advising me that the IRS was filing a suit against me for defrauding the federal government. The message gave me a phone number to call and of course I needed to get information as to why I was being sued. When I called, the woman on the phone said that a yellow notice had been put on my door on XXXX XXXX, XXXX and that I had 19 days to respond. When I said I did n't get a notice on my door, she asked if I was calling her a liar and she said she had a picture of my house with the notice attached to my door. I asked what I had done wrong and she said " you know what you 've done between XXXX and XXXX '' and an officer would be at my door in XXXX minutes to arrest me, handcuff me and take me to jail. By then I thought I was going to lose it. She then said, that there was XXXX option she could offer me and would give me time and the arrest warrant could be stopped. She told me that I owed approximately {$4900.00} to the IRS. She said the time was ticking and that I needed to move fast. She had me go withdraw {$5000.00} in cash from my bank. She stayed on the line because she said she needed to give me further directions. She then asked me to go to the Wells Fargo Bank and make a deposit to a certain account number and gave me the name of the person it was going to. She said that if I was asked why I was sending this large amount, to say I was helping a sick friend. I ask why and she said that banks have to put a freeze on all my assets if they get the feeling that I was in trouble with the IRS. She had me deposit {$3000.00} that time. Then I was directed to get back in my car and she would give me further instructions. This time she told me to go back into the bank and deposit the other {$2000.00} to a different account number. She told me to go to a different teller so it wouldn ; 't look suspicious and to keep her on speaker phone. She said that was the only way that she could assure me to keep me out of jail and out of court. She then asked me to go to XXXX XXXX XXXX on XXXX XXXX in XXXX, VA and have then email a copy of the XXXX receipts to XXXXXXXXXXXX. I told her I did n't know where that was so she instructed me to go to XXXX XXXX and have them email it. After that was done, she kept me on the line waiting for a confirmation number so that I could be sure that the attorney had cleared everything up. By time I realized that I had been scammed, it was too late. I could n't imagine how I was so stupid to fall for this scam. A report has been filed with the XXXX Police Department..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My mortgage company, Wells Fargo sent me an Escrow account disclosure statement to inform me that I had an Escrow shortage of {$1600.00}. I was advised in this same document that by paying the amount previously mentioned by XXXX XXXX that my new mortgage payment would be {$1500.00}. The {$1600.00} was mistakenly applied to my XX/XX/XXXX payment, which was eventually resolved. However, I was informed by Wells Fargo on XXXX XXXX that my new payment was going to be {$1500.00}. When I called to ask where the extra {$10.00} was coming from I did not receive a clear, satisfactory explanation. I was also told that nothing could be done to restore the payment amount on Escrow account disclosure statement of {$1500.00}.

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: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased a vehicle in XXXX from a dealership who facilitated the financing through Wells Fargo. I have requested Wells Fargo send me a credit score disclosure XXXX times and have yet to receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have disputed Wells Fargo Mortgage 's smokescreen response to Case number XXXX. 

In reviewing the detailed statement for the escrow account ( attached ), another problem, a more serious problem is apparent. 

The bank failed to record my escrow payments. 

I have made all my payments, in the amount of XXXX, since XX/XX/2016 when my Chapter XXXX was successfully discharged. Prior to that, I made all payments timely to the Chapter XXXX Trustee which paid the bank. 

The bank 's " Escrow Account History '' ( attached ) shows that ZERO ACTUAL Deposits to my Escrow account were made. 

What did they do with the money? I paid. I have records of all the payments. 
Wells Fargo is playing more tricks on consumers with their " alternative math. '' How can they be allowed to take the money from me and NOT apply it to my account? 

Now, in the related case Case number XXXX, they are trying to claim my Escrow has a " shortage '' -- that will REDUCE my payment. That makes no sense. If there is a " shortage '' my payment should go UP. 

What did the bank do with the money I paid for escrow? There are 6 months showing ZERO. For each of those months, I paid the full amount due -- that includes taxes and insurance escrow. 

That 's {$1800.00} that the bank shows as missing from my account. Where is my money? What did the bank do with my escrow payments?

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 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
For the last FOUR YEARS, Wells Fargo has deliberately obstructed my attempts to assume the loan on the home my wife and I purchased in XX/XX/XXXX. The property is facing an avoidable foreclosure, but Wells Fargo has turned their backs on me. Unfortunately, the last few years have been difficult financially and emotionally, since my wife passed away XX/XX/XXXX. The problem is that the home mortgage was in her name and Wells Fargo spent the first two years ignoring me and refusing to discuss the loan, although I am the rightful heir to the property. It has been an XXXX XXXX years of trying to deal with them. I had a glimmer of hope about two years ago when I was able to get them to speak to me via the court system, but Wells Fargo crushed my attempts at assuming my loan. I then was able to get through to their Executive Office of Wells Fargo after I went down to a branch office and they called into their corporate headquarters directly. I was assigned a single point of contact, XXXX, but she literally disappeared on me after our initial discussions and I can not get through to her. I was forced to try for a short sale, but the time horizon is too short, since I have a sale date of XXXX XXXX, XXXX. This whole thing has been unfair, since it is my understanding that the government allows heirs to keep the home after their loved ones have passed. They knew I was able and willing to take over the loan and continue payments four years ago after my wife passed away, but when I contacted Wells Fargo to discuss the loan assumption they refused to speak with me. Now I am in the dark and my home is facing an imminent foreclosure sale. It is extremely frustrating that I can not get through to the right people at Wells Fargo to resolve this matter. I should have been able to immediately assume the loan and then make the payments moving forward. I deserve the opportunity to have my home titled over to me and then be properly reviewed for all available retention options. The interest rate is very high at 6.5 % and there is room for adjustment. The home is significantly upside down in value relative to the loan amount and arrearages ; creating a scenario where there is common ground to have both sides walk away happy. Their failure to properly allow me to assume the loan can be corrected. I need action by Wells Fargo to do the right thing and allow the ability to keep my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Borrower is in a reverse mortgage. He fell behind on the taxes and insurance due to medical expenses and was not able to pay. We understand the Wells Fargo paid the past due amounts. XXXX entered a repayment plan in XXXX 2016 payments to be {$220.00} a month. Wells Fargo claims that XX/XX/XXXX and XX/XX/XXXX payments were not made however borrower has proof of payments. He paid with personal check # XXXX for XX/XX/XXXX and check # XXXX for XX/XX/XXXX Each month borrower would received the coupon statement with the dollar amount due ( {$220.00} ). He was never aware of missing payments. His argument is if he was past due why would n't the past due amount reflect on his monthly coupon payment? By the time Wells Fargo did send him a letter that was in XX/XX/XXXX his account was past due and now Wells Fargo is stating he broke the repayment plan and now is at risk of foreclosure. He spoke with XXXX which she confirmed payment was received and said she would apply to account. We called in today and spoke with XXXX. She informed us that in order for XXXX XXXX to be reconsidered for another repayment plan, he would need to bring his account of {$13000.00} balance to less then {$2000.00}. Borrower is unable to pay such large amount, however his wife is now in better health and has started full time work this week to help with this situation. They are desperate to save their home. They have applied for the state program Save our Home XXXX program but unfortunately XXXX Dept of XXXX does not assistance with Reverse mortgages. Borrower has called numerous times to Wells Fargo to resolve this issue and keeps getting the run around. He did not break the payment plan and he can also provide proof of insurance but has n't because he has been told the plan is broken and now is facing foreclosure. If Wells Fargo is willing to work with him he will provide evidence of insurance and also can pay up to {$300.00} a month to save his home. Please help 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