vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
For over a year now I have been trying to get a refinance with Wells Fargo Home mortgage. Needless to say they played games with me. I got the State of Maine involved, and they are playing games with my representative. They do things like say they do n't have phone numbers, and both times they transposed the area code XXXX instead of XXXX saying that is why they did n't return calls. I can understand it happening to one of us but not both of us, separately? They send us forms, we fill them out and then 2 months later they say it is the wrong form, when its the form they sent us and there is no difference but the date at the bottom. It needs to be filled out again. They recently have raised my payment by {$3.00} and did n't tell me. I think they are supposed to send me a letter with the change I still dont know why. They held it and did n't apply it to the loan, this affects my credit adversely. They transposed my social security number on my loan causing more issues. I fax them paperwork and they lose it. My proponent from the State of Maine is very disgusted with them and has great notes. He has filed another complaint with another organization on my behalf. Its really bad. Currently I am employed by a private college, they have their way of doing things. the YTD earnings is not on my paystub. Wells fargo is being very difficult regarding this. I am NOT going to be able to change the entire university 's pay system to accommodate Wells fargo. I did get the the information in another document and I provided the phone number to the accounting department. Numerously I have submitted paperwork, and they come back wanting paperwork to prove the same thing I just sent them. For example, they asked me for a letter stating that I live on the property, I wrote the letter dated and signed it. I will bet they will reply saying they want more information on this in order to stall. The will only take submissions via Fax, EVERYTHING is very difficult. I get very emotional because this is my home I have raised my children in and where my husband died. They know I have equity and they want me to lose it so they get my equity. This complaint is for a refinance, handling of my payments and hardship refinance. this is the most frustrating process I have ever been through. I am XXXX my husband was in the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
A service of loan forgiveness which I believe to be a scam took out XXXX dollars in my checking account and I didnt have any funds ... therefore the bank added n additional XXXX dollar insufficient funds overdraft fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has placed a hold on my Savings Account XXXX with a balance of {$30000.00} as of XXXX XXXX, 2015 and has not provided any reason except to say they are investigating a " suspicious transaction. " I have been a loyal Wells Fargo customer for over twenty years and am very frustrated because my money has been withheld from me unfairly and there has been no communication from Wells Fargo. I have called several times, visited my local bank center, and now have paid my lawyer to write the bank a letter asking the money to be released and communicate with me as to what is going on. The Bank letter gave them a deadline of XXXX XXXX, 2015 for a response and as of today XXXX XXXX, 2015, we have heard nothing from the bank nor has my money been released back to me. Please help me get Wells Fargo to provide a reason and return my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2016 XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

I am a XXXX and wanting to use my XXXX loan to purchase a home so I ca n't believe how this is happening right now of all times. Is there anything you can do to help me? I really do n't know how these payments became past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I pay my bills online every month. I authorized a payment on my auto loan to WELLS FARGO DEALER SERVICES on XXXX/XXXX/2015 which was paid. WFDS attempted to take a second payment on XXXX/XXXX/2015 which was returned and a {$28.00} overdraft fee was charged to my account. I did NOT authorize this payment. I spoke with WFDS and my Credit Union about this situation. On XXXX/XXXX/2015 WFDS put through the second unauthorized payment which overdrew my account again and I was assessed another {$28.00} fee. [ My checking account is with a different bank. ] I 'm on XXXX and get paid once a month. Now I 'm short for the rest of the month and neither bank will help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has not honored the FHA guidelines. 
They have stolen my funds paid on my account. 
Did not follow the HAMP guidelines. 
Threatened and harrased me during my bankruptcy. 
Changed the amount in Principal to increase XXXX dollars

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 2015-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had gotten a loan through Wells Fargo : America Service Company. Suddenly every XXXX, I had to pay an extra XXXX. I called for information why. No Answer. I had to pay XXXX insurances on my home. I called asked why. no answer. After that I started t o call for loan modification and nothing. I was not behind on my loans at all. Suddenly, someone appears to ask me do I need assistance. I got assistance but I feel it was purposely set up by Wells Fargo because all the problems I had with Wells Fargo he fixed. So I thought I could trust this man. I got XXXX loan modifications but they were XXXX denied by Wells Fargo with lies. My main target is Wells Fargo setting me up because I was always on time until I met XXXX XXXX. :

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage document was called the : Loan Program Pick A Payment Loan ADJ Rate Mortgage for the property located at XXXX XXXX XXXX XXXX XXXX. My husband and I do not recognize the signature of the name that is supposed to be my husbands. We also noticed that the address that is on this loan document is not the address for this Pick A Payment Loan Disclosure which means this document is a total fraud. I am requesting Wells Fargo Home Mortgage to explain how this happened in detail and I am requesting Wells Fargo Home Mortgage to audit this loan and explain the steps that will be taken in a typed response with this fraudulent fabricated Pick A Pay Loan Disclosure Document used for the purpose of Wells Fargo Home Mortgage/ Investors to defraud and target XXXX and XXXX people and cause XXXX and XXXX damages. Please review. I am also requesting the CFPB to investigate this case because of Wells Fargo Home Mortgage fraud and your advice. 

Thank You, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited my payroll check into my Wells Fargo account on XXXX XXXX in an automated teller that I usually use. On Thursday XXXX when I went to use my debit it was declined. In calling the XXXX number Wells Fargo told us it was returned for insufficient funds. So I contacted my employer who went to the company bank ( XXXX ) and they said it was not returned for insufficient funds and gave her a copy of the processed check. I took my deposit slip, the information from XXXX and went to my local Wells Fargo. The manager was not in so I spoke with the lady in charge. She looked at the records and said " No it was n't returned for insufficient funds but Wells Fargo has put a hold on the money. '' But she could not tell me why. It is {$2500.00} my usual amount and we do n't owe Wells Fargo anything. No one at the bank can give us a reason or by what right they have to hold the money. It is a 7 day hold " while they investigate '' again no one can tell us WHAT they might be investigating???? And neither could the lady. We are awaiting her checking into a resolution but she warned we likely would have to wait the 7 days because " no one can over ride a hold ''. How are the allowed to treat people like this? We are ordinary people we pay our bills on time and we have no affiliations in or out of the US that should create any flags. As a result we have bills that can not be paid, groceries that can not be bought and tithe that can not be paid. My husband is retired so this is our primary income. 
It is important that others know the shady doings that are happening to Wells Fargo customers. This same thing happened last year to one of my husband 's friends who baneed with Wells Fargo and we thought he must have owed them or something. So it is NOT an accident and it should be investigated. If it has happened twice in our small circle of friends how many more people can it happen to?? 
I do have the deposit slip, the check print out from XXXX but do not want to send personal information electronically.

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 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This relates to activity of the XXXX and Wells Fargo Bank. The bank put a garnishment of over XXXX dollars since the XXXX wrongly claims that I owe them back taxes. 

My accountant submitted documentation to the XXXX in XXXX related to a claim from the XXXX that back taxes were owed. 

Four subsequent attempts to contract the XXXX went without response. The XXXX filed some erroneous claim with Wells to garnish over XXXX in a bank account. 

The bank initiated a pending transfer of over XXXX in favor of the XXXX without any notification to me. 

The XXXX as a financial organization, may be outside your purview. Yet they are wrong and their failure to communicate with me/my accountant on a timely and professional nature is poor service, and just wrong. 

Then, their claim to Wells to capture my funds AND the bank 's agreement to effect the transfer without notification to me is collusion in a fraud to wrongly expropriate personal property. 

They should at least send some sort of communication to notify of the action with a period of time to cure default. 

The fact that there was no default, since taxes ARE NOT DUE to XXXX in California is faulty government service and perpetuated and aided wrongly by Wells. 

To further my own aggravation, as this is a CA tax issue, the Wells Office for Legal Order processing was closed at XXXX CA time. Whereas probably not technically illegal, it sure is poor customer care, but what should I expect of an institution that is fined over XXXX XXXX for the way it handles customers. Not the point of this complaint. 

My complaint is that Wells is complicit in wrongly expropriating my funds and is not responsive to inquiry to resolve this, ie talk to them. 

Also, you should look at the customer care offered by the XXXX XXXX XXXX. To let five inquiries of follow up on an open case go unanswered, in spite of the professionalism and completeness with which support dox to the contrary of XXXX contention is just wrong. Maybe since the documentation countered the position of XXXX just caused them to conveniently overlook the submission and not respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I requested a copy of my credit report and noticed Well Fargo made arequest to view my credit report. I have never had any dealings withWells Fargo, nor have I requested any service with this bank that givesthem consent to access my credit report. I would like an explanation asto why they requested any information regarding my financial historyand want a complete transparent disclose as to who and why thisrequest was made by an associates within or any unauthorizedrequest by companies associated with them ( Wells Fargo ). 
I believe this request is illegal because I gave no such permission toWells Fargo to access my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Home equity loan with Wells Fargo was paid for agreed amount and 2015 XXXX was issued. Wells Fargo continue to report full amount of Home Equity as outstanding and did not report the settlement and payment on this old debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Experienced harassment and unnecessary delays in processing a mortgage from Wells Fargo that resulted in having to walk away from the mortgage. Initially told that I qualified in early meeting XXXX. Provided two years tax statements, paycheck stubs, signed dated gift letters, employment check and credit check info at time of signing early XXXX Had XXXX requests to put gift letter on official form, initial information, provide bank addresses, provide POA letter ( on XXXX different requests weeks apart ) and ALL gifter account numbers ( even though XXXX gifter has already transferred the money ), explain all banking transactions for last 6 months, changed amount personal money required, etc etc. XXXX gifter was told that it was illegal for him to put the gift money into the buyer 's account. Never got a closing date up to less than a week prior to required closing ( XXXX XXXX ) even though every request for information was satisfied within 24hrs of the request. Very Bad experience. Very poor communication. Despite request up front to let us know what was needed, the requests came in piece meal and often several times on the same documents. Never returned calls to elicit the status and requirements. Seemed that since the mortgagee was a single woman, there was indifference to making this process acceptable. Would definitely recommend that individuals seeking mortgages avoid going to Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 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: WI

Complaint narrative:
My son attended XXXX XXXX and received private loans from Wells Fargo in addition to Federal loans. Wells Fargo carries the majority of his loans. My complaint is the interest rates these banks charge. I am the co-signer on these loans as well. I believe in paying your student loans, however, I have a problem when I am seeing interest rates of 10.74 %, 6.991 %, 6.490 %, and even 4.490 %. The banks are making way too much money on these student loans and make no attempt to lower these interest rates. I understand banks having to make money, but really??? 10.74 % interest rate!! That seems like gauging to me. I am working with my son now to get these all refinanced into XXXX loan with a better interest rate, but again, the interest that he has been charged over the past 4 years is outrages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a safe deposit box for about 15 years at Wells Fargo Bank in XXXX, TX ( Specifically it was the branch at XXXX XXXX XXXX, XXXX, TX XXXX -- Safe deposit box XXXX ). I was told when I first paid for the SD box that I would receive my deposit back as long as I return both keys to them when I relinquish the box. Last year, I relinquished the box and returned both keys to them. The representative told me, " Just sign this paperwork and I will get you your deposit back. I signed the paper which said that I have received the deposit back. At first, I was hesitant about this, but the representative assured me that he would return my deposit. So, I signed the paperwork. As soon as I did, he said, " We have no record of you putting down a deposit. '' Then he asked me to leave. 

I tried to contact Wells Fargo about this a few times over the year, but each time my request for my deposit back was unanswered. 

I simply want my {$100.00} deposit back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I own a house with Wells Fargo for XXXX years I have a hardship my house got burned down a year ago. and they refuse to help me and went with the process of forclosure and set the sale Date for 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 2015-03-23 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Alliant Capital Management LLC
State: MD

Complaint narrative:
I applied for a payday loan to help my XXXX sons who just stated college XX/XX/XXXX, I was XXXX that afternoon when I went to work, XXXX XXXX XXXX was told verbally of my situtation, XX/XX/XXXX I return a call from Alliance Capitol Mgmt XXXX XXXX, I explain to her that I 'm still unemployed, she started asking can someone help me I let her know my family is helping me from becoming homeless, she ask what about unemployment, I told her that it ended and I was n't getting enough to pay back an loan, my concern was keeping a roof over my family, she got aggressive asking about my income tax, if I own my home and how much was my employment, she was wrong on so many levels, she even said I knew I was getting fired. I am under alot of stress and I do not need this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I found out that a loan I had was with a lender that is void in my state, and that the loan that I had with them was considered void in my state. I notified the lender, XXXX, that the installment loan online I had with them was void in my state, meaning that it should never have been offered to a resident of my state. I also made a letter out to my bank, Wells Fargo, notifying them that the lender was not authorized to debit from my account, and that I wanted them to return monies sent to the originating institution ( lender 's bank ) and to give the ACH transcript for that originating bank. 
I called the bank to see how to and where top submit my letter on XXXX XXXX. I was told that I had to file a claim over the phone with the bank, which I did, and I asked if they could attach my letter and other documentation to the claim filed so that my request was also in writing. I faxed the letter to the claims department as I was told to do. 
When I called to called to check on the status of my claim, XXXX XXXX, I also asked to be sure that they had received my documents and letter that was supposed to accompany the claim. The woman I talked to said that she did n't think the investigator has actually looked at or read the letter or other documents, so she said she would send it again with a note, and that I should call back the next day, XXXX XXXX. 
When I called back on XXXX XXXX, I spoke to a different person, who said that they denied my claim. The banker from the claims department stated that they could not reimburse me because I had signed a contract ( even thought the contract with XXXX is null and void ) and that they had nothing to do with the matter. To get my funds back, I would have to contact the lending company directly. She said that Wells Fargo had rules they had to abide by, and that they had even if the company was working illegally, that they ( Wells Fargo ) would have nothing to do with it. I also never received the ACH transcript that was requested, so that I could request the funds from the originating institution that facilitated a void loan.

Company response to consumer: Closed with explanation