vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am refinancing my home and I contacted WellsFargo on two separate occasions and have requested a loan payoff.First in XXXX of 2016 when I called I was told that they would have to fax me that info due to the fact that I had done a loan modification and I that I wanted to make sure that that modification was included in my payoff amount that they sent me.That was on a Friday and I said that was fine. When I returned to work on Monday the payoff quote was on my fax machine. I have attached a copy. I did not get to close on my refinance loan. I again contact them and ask for another payoff quote and asked that they again fax it to me, at this time I ask to make sure that the loan modification be included in my payoff and I was told it would be. I go to my banker on Thursday XX/XX/2016 and he has order a title search and finds that I have a second lien on my property, I do agree that I did the loan modification and I do agree that I was told that there would be a second lien on my property.However, when I asked specific questions to WellsFargo if that amount would be included in my loan payoff I was was told yes 2 separate times by WellsFargo employees that it would be included. When me and my banker that is doing my refinance called them on XXXX XXXX 2016 is when we was told that I would have to contact HUD for that payoff. My complaint is that if this information was in my account all this time why did no one tell me until now? A supervisor named XXXX XXXX then goes to tell me that she is n't sure why they would n't have give me this information as to why I specifically asked for it. Now this has been turned over to a XXXX with WellsFargo she has just informed me that there is nothing that they can do. I think this XXXX unfair and misleading information that I have been provided by WellsFargo.

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 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Here is my situation. I bought a property in XX/XX/XXXX that was appraised at {$420000.00}, and put down XXXX. I refinanced that property in XX/XX/XXXX and it was appraised at {$400000.00}, which I questioned because the comparables were stick built and my building is concrete and steel.. The refinance was approved. 
My current mortgage balance is approximately XXXX. 
At this time, similar properties in this building are listed and selling for XXXX to XXXX. 
I have been patiently waiting for the value to return to this property and figured that in XX/XX/XXXX that would be the bottom, but obviously it is at a new low. 
I feel like I was taken advantage of by this practice of over inflating the appraisal and poorly trained lender or bank staffDo I have a case for principal reduction. I have contacted the lender, Wells Fargo, and no response. 
How do I proceed from here. 

Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I have a personal loan with Wells Fargo. We got behind on payments when I was unable to work due to XXXX due to XXXX. They refused to set up a payment plan. Every time I called to try to make a {$300.00} payment they said that was n't enough. And refused any payment at all, letting the account get even further behind. I tried to make a payment at the beginning of XXXX and they said it was n't enough. I told them I would call on XXXX XXXX and make a {$610.00} payment. Before I had a chance to do so, without any notification they took {$910.00} out of my checking account. According to them that was completely legal and they do n't need to even tell us first. I have been a wells fargo member since 1990 and feel completely taken advantage of.

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 2015-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My checking account was charged multiple overdraft fees even though I never spent more than the available balance in my account. 

I never authorized Wells Fargo to overdraft my account. If the money was not available, my card should have been declined. 

Wells Fargo misrepresented the available balance in my account which caused me to spend money that should not have been there. They overstated my account balance which was a mistake or an intentional misrepresentation. 

When I attempted to spend the money that was showing up as available my card was never declined which leads me to believe that I was tricked into overdrafting my account so that the bank could collect overdraft fees. 

I have XXXX and do n't track my spending very well. I do n't write checks anymore so that I wo n't bounce them. I set my card up so that it would be declined if I do n't have money. these XXXX things keep me from overdrafting my account. I know that Wells Fargo is aware of my proclivity to overspend based on my credit history, and they took advantage of that. 

One Night my available balance was {$20.00} and the next day I got an email that my account was charged an overdraft fee. I had n't spent any money since the last time I checked my account balance, so I knew it should have been {$20.00} balance, but my balancev was negative {$210.00}. It 's got even worse after fees were added. When my direct deposit posted it brought my balance up to negative {$61.00}. I have {$1.00} in cash right now. I have no idea how I will have food or transportation to work for the next week and a half.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Was promised by Wells Fargo that I qualified for 10.1 % downpayment on jumbo loan. In fact, I received a pre-approval stating as much. I shopped around at other banks and those required a 15 % downpayment, so I chose Wells Fargo. About one week after the offer had been accepted, WF stated that the downpayment would need to be 20 %. Needless to say, on a sales price of {$900000.00}, this made a huge difference and because of the post-cash liquidity requirements we were forced to make withdrawals from our IRA in order to keep the deal. In the ultra competitive real estate market in XXXX, I could not stop the accelerated close process and switch to another bank. WF could never give me a good reason why I no longer qualified for the 10.1 % downpayment, but blamed it on the underwriters. I heard of the exact same situation happening to an acquaintance of mine in Indiana. I believe WF knew we had the retirement assets at our disposal and changed the downpayment after we selected them. I also believe this is a typical practice by WF and is typical of their shady practices when promising XXXX thing and delivering another.

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 2016-10-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Requested increase in credit limit. The limits were approved without regard to income debt ratio. They approved debt without regard to whether it was feasible for me to pay back. Now I 'd like to move debt / consolidate to lower interest products and am unable to because all companies say my debt to income ration is too high. I 'm stuck with too high of a credit balance with an enormous amount of interest rate with no possibility of moving to lower interest products. It will take me 39 years to repay the credit balance if I continue to pay the minimum balance which includes high, ridiculous, and unfair amount of interest and fees.

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 2016-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My IN-LAW used Wells Fargo SurePay to transfer money to my Wells Fargo account. My In Law provided my account number and name in the process. She attempted to send XXXX on XXXX/XXXX/16 but as of today, Still have n't received it. Wells Fargo said it was " Successfully '' transferred.. but instead.. it was sent to XXXX XXXX XXXX. So I contacted XXXX XXXX XXXX, Let them know what 's going on and they said they have nothing to do with it. I am a previous XXXX XXXX XXXX customer. But still, that have nothing to do with it. My IN LAW was tried to dispute the XXXX with Wells Fargo but instead, she was told that it 's up to XXXX XXXX XXXX to Re-Direct the money back to where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
I was referred to a XXXX XXXX by my doctor and they faxed over a referral with my medical insurance info on it and i got billed because they said that they could n't verify the medicaid part because i didnt give them a copy of the card i tried many times to get a card and to this day since ive tried the first time in XX/XX/XXXX i still have not gotten a card this doctor visit happened in XX/XX/XXXX ive disputed it its come of my credit report and immediately put back on the report it is ruining my credit

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 2015-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
My name is XXXX XXXX and have my current mortgage with Wells Fargo Home Mortgage. My parents co-signed for my mortgage with the intentions that I would refinance in a couple of years to have the mortgage placed in my name. How dare the underwriter ask me to write a letter as to why my parents are being removed. Wells Fargo currently holds my mortgage and it has excellent payment history. I am trying to refinance my FHA loan with the Wells Fargo Home Mortgage Office in XXXX, WV. Their address is XXXX XXXX XXXX, XXXX, WV XXXX and the loan officer 's name is XXXX XXXX and the processor 's name is XXXX XXXX. 

I have been put through such a horrible ordeal. It has been well over 3 months and I have yet to receive anything in writing whether the loan was approved or suspended. All I continue to get is a phone call from the LO or processor asking for more documentation the underwriter is asking for. I 've even had to quote FHA guidelines to them because they were asking for things that were not required. Wells Fargo is in violation of providing a written loan disposition. 

The last straw was when I received another phone call from the loan officer last week stating that I will need to obtain a credit supplement for my student loans. I am on an income based loan repayment and gave this to the loan officer and processor in XXXX!!! Now they ask for it again? They drag the process out and documents expire so they will ask for more documentation. I have provided everything they asked for within 24 hours only to be told I need to provide something else. They also asked me many weeks ago to get a gift letter in order to have reserves. Yet, here I wait with no answer for three months. I have done everything they have asked. 

I placed a call yesterday to the loan officer and processor for the name of a supervisor that I could speak with to get some results. The loan officer stated he did n't know who that was as he was not in the office, the processor stated she could n't reach him and was working on it. It has been 24 hours and I still have not heard from them as to who the supervisor is I can speak with. 

This is n't the first complaint I 've heard about Wells Fargo Home Mortgage. A friend of mine who is selling her home in Florida and her buyers were going through Wells Fargo after 4 long months of the same thing, dragging their feet, asking for more stuff, they finally had to pull the loan and it was approved and closed in less than 30 days. Now how is that possible that as big as Wells Fargo is, they can not do things in a timely manner. The stress that I have been put through is causing major health problems for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I applied for credit card in Wells Fargo recently and they approved my credit card and then closed all my accounts due to fictitious claims and fraud they filed against me without any due process. When i found out that i can used the card i then applied for balance transfer for the amount of XXXX dollars under XXXX card. It 's almost been 2 weeks since i did it and no response was made so i applied for a new card to take advantage of the offer of zero APR for 15 mos. I called Wells Fargo to follow up so that i can just consolidate my debt in one and they did approved the balance transfer after the conversation on the phone and then after that i was issued a letter informing me about the closure. They are very tricky since i had a feeling that my balance transfer will either be denied if i did n't have any card at all and so even if i still have doubts i continued the process. And what a co-incidence when my accounts was closed on XXXX XXXX, 2015 then the letter came in dated XXXX XXXX, 2015 closing the credit card while when i called earlier for follow up i was n't informed about the closure. So to make it short i applied for balance transfer again to another account to avoid any inconvenience and surprises under the company and i am waiving the balance transfer fee since i was charged XXXX dollars for savings account without issuing any checks at all and if somebody issued me a check or remittance they are the XXXX liable for any draft fee. I feel humiliated for their harsh treatment and being ignored in spite of my plea to prevent my account from closing too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
My mortgage company does not hold an Escrow on my account, I pay my own taxes and insurance. I paid the property tax late a few months later Wells Fargo paid the same tax that was already paid, the county credited my tax account with that money and will not return it to Wells Fargo. Now Wells Fargo is demanding that I pay into a Escrow account that I do not want to pay into.

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 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I made a payoff on my account as I sold the house that I was living. I closed on XX/XX/2015, and funds to pay off the balance was received by Wellsfargo on XXXX XXXX, 2015. By law they say that they need to hold onto the escrow funds for an additional XXXX days ( all this time they hold the money and I earn no interest ). Today is XX/XX/2015 and I have not yet received the escrow balance in a check that they supposedly cut on XXXX XXXX, 2015. I have contacted them three times asking where is the check with the balance -- Wellsfargo only says that they have cut it on XXXX XXXX and it should have been mailed ( they have the right address ), but no funds yet. I believe that this is how they make money ; they keep people 's money for longer periods, as long as they can hold onto as it is " free of charge money '' and in the meantime if we are late on payments they charge us fees plus daily interests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo opened a credit card account that I said I did not want when I opened my checking account. Even after I closed my checking account, they kept my credit card account open without notifying me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: CA

Complaint narrative:
They call me on an XXXX # then tell me to call another # and say " This is a Debt Collector Trying to Collect a Debt ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-03-29 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I took out a payday loan from a company called Castle Payday. The deposited {$1300.00} into my account on XXXX/XXXX/2014. Then then withdrew and average of {$330.00} per payment on each of my paydays between the dates of XXXX/XXXX/2014 and XXXX/XXXX/2014. The total amount paid equaled {$3000.00}. Per the my account page on their website I still owe {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
AMERICOLLECT INC ACCOUNT NUMBERs:XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
I have been repeatedly contacted by ERC. Every time that I have spoken to ERC, I have verified with them that the debt is not mine, the information that they have in their files is incorrect and the social security number that they have is not mine. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 

In XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 

I have been repeatedly disputing the ERC Collections account. This is not my accounts. 

I have spoken to XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 

In fact, The information that ERC has is inaccurate, the social security number used is not mine and ERC has confirmed it is not my social security. 

However, that being said, ERC reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted ERC on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them that the social security number they have for this debt is not mine. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by ERC that they would be removing it from their files, which they never did. After speaking to ERC on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.

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 2015-12-29 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: TX

Complaint narrative:
Called me about some debt collection, asked for someone I did n't know, harassing me for no reason. Calling from XXXX XXXX XXXX.

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