vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Calls to both my cell and home phones from a Missouri number, ( XXXX ) XXXX. A recording threatened to serve papers on me at my place of employment. I called them a total of 31 times trying to get information piecemeal before the different agents hung up on me. They called their company " XXXX '' and I could hear other collectors in the background following the same script as the one I was speaking to, verbatim. They mentioned Wachovia, with which I have not had an account since 2007. Each time ( at least 15 ) that I asked what type of account and the court jurisdiction where the action was being filed, they told me I was rude, or I was lazy and could n't take care of my debts, once even that I 'm not a good XXXX. They never would, or could, answer my questions. I do n't believe I owe Wachovia, now Wells Fargo, anything. IF I ever did, it 's way beyond statute now. If I truly do legally owe them anything, I will happily pay it. XXXX is either a phishing scam, or a sweatshop debt collector trying to extort money on legally unenforceable debts.

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 2015-07-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I 'd opened a bank account for my business with Wells Fargo couple weeks ago. To do so i 'd provided all the required documents needed in order to open a Bank account. The Wells Fargo agent who opened it has failed to scan the documents into the system. As a result i kept on receiving mails from Wells Fargo threatening to close my account. I 've made phone calls to explain the fact that everything was already provided ; i went to XXXX Wells Fargo branches couple times to explain the issue. At the end, my account has been closed for failure to provide documentations.

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 — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/2016, as I was paying bills I noticed the balance of one of our accounts {$19000.00} less ( XXXX ACH transactions were made ) than where it should have been. I immediately called Wells Fargo to start the fraud claim. I received electronic confirmation that the claim had been submitted and to expect an update on day 5 and it to be resolved by day 10. I have checked the account each day and no reimbursement. On XX/XX/XXXX I called to get an update ; I provided the claim/reference number and the employee in CA stated no such claim existed. I provided her additional information to no avail. I must admit I got frustrated and hung up. I called back and was able to reach XXXX. XXXX was able to find the claim and was also able to add the third transaction which was not part of the claim originally. He informed me that there were no notes on the system. My frustration is the fact that someone, somewhere got away with {$19000.00} .... {$4300.00} on XX/XX/XXXX and XXXX transactions for {$7600.00} on XX/XX/XXXX. All transactions are coded with Health Savings. I do n't have an HSA and the amount is significantly higher than anyone is allowed to put in their HSA. With the fake accounts that WF is accused of, this makes me very nervous. Almost {$20000.00} is missing!!! We are a middle class family and can not afford this type of transaction to happen. I feel taken advantage of -- I want my money and am so tempted to pull all funds and sew them in my mattress. If a " big bank '' can not protect my money which we worked hard for, then what are we, the general public, supposed to do???

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 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have never been 90 days past due on my mortgage. Wells Fargo stop taking payments from me in XXXX. I made a payment XXXX they did payment reversal XXXX/XXXX/16. I have paid the same amount on mortgage for several months. They 're telling me my payment was more than that. I have proof where they 've applied my payment every month up until XXXX. I called them today and was told they were not able to reach me all my contact numbers were disconnected. I only have XXXX contact number and that is my cell phone. Someone there deliberately removed my number and added old home phone numbers I have never put on my account as a contact when they did a skip trace. They 're doing everything they can to make it look like they 've tried to help me and I was unable to be reached. I have n't received an accelerated letter indicating the next step and have n't received a certified letter notice. I was told today I had to pay XXXX payments by XXXX/XXXX/16 or they would foreclose on your home. Wells Fargo is illegally trying to take my home from me. I received a blank envelope on my door Monday saying confidential with nothing inside the letter. The monthly statements say my payment is XXXX thing however they 've taken a different amount and applied it EVERY month. I NEED someone to take a closer look at them along with my documentation to see this is not right and I am not being treated right. I understand I am not current on my mortgage but I know my rights and know it has to be over 90 days for foreclosure to start. They 've tried to cut off all ways for me not to make a payment every month. I have managed to get a payment sent through my bank account. I desperately need someone to intervene. Please help me I only have 7 days.

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 2015-09-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I had rented a holiday home in XXXX, FL and transferred 50 % of the rental fee to the owner. As I did not want to transfer the money to XXXX XXXX, I asked for a bank account. I received a Wells Fargo account. After 2 months I received an email telling me I need to pay the final amount to keep the booking. This was unusual. I started some investigations and found out it was a complete fraud. The person was no real estate agent, the holiday apartment had been rented for a year, the phone no. was out of order and the management at the building in XXXX never heard of him nor the owner. 
I found out where the account was located and filed a XXXX XXXX XXXX with the XXXX, NM police department. An officer informed me after weeks that Wells Fargo told her this " Wells Fargo has told me that the funds went into a XXXX XXXX XXXX account before they could inquire about it. Unfortunately, they have said they will not reimburse those funds to you because of this. " The XXXX police detectives told me that these people open bank accounts with false SSN 's and false driver 's licenses. The XXXX police department has XXXX XXXX of these cases per day. In this case the bank did not operate appropriately and check the legitimation of the person and therefore is liable for the loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo has tried to swindle me! I put in an order to change my monthly loan payments from my Wells Fargo checking account to my XXXX checking account. They charged both accounts for the same payment on the same day! Fortunately, the old account was empty, because I am in the process of closing it. So, they withdrew the payment from XXXX account and charged me an NSF fee for the other. They admittedly had every intention of keeping the money from both accounts! In addition, they told me that in case the first order did not go through, I should order another payment, which I foolishly did, but on the federal credit union account, not the old WF checking account. I am waiting to see if they attempt yet a third payment. This is clearly a scheme to steal money from their customers by way of fees and duplicate 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 monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
America 's servicing Company denied a postponement in foreclosure date due to lack of proof of funds. I have requested in writing to the Correspondence Resolution Team ( CRT ) the postponement, stating that I will not be able to have the proof of funds or the funds to repay until a week after the scheduled foreclosure date of XXXX/XXXX/2016. They denied the request, forcing a foreclosure. I am requesting CFPB to mediate an alternate route to postpone the foreclosure date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX 2016 I placed a stop payment for a transaction from XXXX XXXX. The stop payment was setup incorrectly by the bank ( wells fargo ). Instead of the bank addressing the error. I was told I had to file a claim under the regulation E guideline. The bank admitted it made a clerical error. However they are stating I have to file a claim for a electronic transfer. I believe this is a bank error and would like to have it addressed as so. 

The clerical error is that the XXXX TRANSACTION was present as XXXX however was setup as XXXX. 

If the stop payment was setup correctly the transaction would have not posted to the 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 monetary relief
Consumer complaint received 2016-10-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I tried to get into Wells Fargo Dealer Services online tool to pay my car note. However, I got a message saying that my rate has changed. 
When I called, they said that that message applied to my old car loan and being over charged for interest. They sent me a check for {$48.00} but my concern is that they did not go into details about the months involved with the overage. I would like to know if I am due more since I do n't have a clue on any specifics. This happened immediately after the scam when employees were fired due to fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I made a payment over the phone for my auto loan on the day the payment was due and I was assured that the late payment would report as paid on time. The payment was never 30 days late and its been reporting as late since XX/XX/2014.

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 2017-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have a student loan through Wells Fargo and I am unable to set up an automatic payment each month for more than the minimum payment. Is there anything I can do about that? I have student loans with other companies who all allow additional payments to be automatically scheduled. It makes it easier to be regularly financially responsible by paying more than is due to decrease the total interest I will pay.

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 2016-10-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
After I submitted a complaint to Wells Fargo then the CFPB about the misleading advertising on their Wells Fargo Rewards card, Wells Fargo responded to both and did not do anything except dismiss the claim and point to their lengthy terms and conditions as evidence they are in compliance with their own terms and conditions. Then on XXXX/XXXX/16, I received a statement from Wells Fargo showing that they forfeited XXXX points on my Wells Fargo card because I complaint to the CFPB when I am not supposed to. I contacted Wells Fargo customer service and they told me the same thing and will have a floor manager contacted me within 5-7 business days to further explain the rationale the points forfeiture. It is unethical for Wells Fargo to punish a customer for raising a complaint about bad customer service or misleading adveristing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2015 I closed on a home using a conventional mortgage loan with Wells Fargo. My loan started reporting to credit bureaus that no payment information is available until XX/XX/2015 but reported as a conventional mortgage loan. Then it changed my conventional mortgage loan to reporting as a regular loan so it looks as if I have a huge personal loan out. This does n't show that I have variety of loans so it 's not benefiting me at all with my credit. I disputed the situation for the date of payments not showing correctly because there is proof and information that can be reported before XX/XX/2015 and also that my conventional loan is not reporting as such. Wells Fargo contacted me and I was told things were back correctly reporting and I would be sent updated report. I did n't receive an update of report. My credit report did for 30 days report my conventional mortgage correct but never did anything about accurately reporting my payment history information from the start which is XX/XX/2015. Then it went back to reporting partially incorrect ever since. It is a frustrating situation. I want to apply for a credit card but with things not correct with Wells Fargo reporting my credit I 'm not in the best situation to get the offers I may could obtain.

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 2016-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought my house in XXXX of 2016 and got a Jumbo loan for XXXX XXXX from wells fargo@3.375 % APR interest rate with the plan of selling my old home and paying off large sum of loan. At the time of the loan, I was told that when i sell my old home i can pay off the balance and recast the loan and bring my monthly payment down. I now want to payoff XXXX and bring my loan down to XXXX. I have been trying to contact wells fargo and they are not allowing me to do the recasting.

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 2015-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently received a full payment history and realized the following:1 ) When I modified my mortgage ( HAMP ) XX/XX/XXXX, Wells Fargo XXXX {$15000.00} to the principal without explanation. 
2 ) I was charged third party fees for my HAMP modification. XXXX for {$120.00} and XXXX {$50.00} fees. My understanding is that is not legal. 
3 ) Any monies I paid in excess of my mortgage payment were not applied to my principal balance. 
4 ) {$1000.00} incentive payments are applied in XX/XX/XXXX instead of their anniversary dates in XX/XX/XXXX. 
5 ) I should have received a {$5000.00} HAMP incentive payment on my 6th year anniversary on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I asked how I can keep my home, they said I had to pay around XXXX and also I had to have a proof that I had that amount, so I did it. On XXXX XXXX, 2016 I received a letter from the bank dated on XXXX XXXX, 2016 to pay XXXX and the due day on XXXX XXXX, 2016 letter, and the post office envelope shows it was sent on XXXX XXXX 2016, so when I called, they said this is past due, we have to send you another XXXX, and it will be more than XXXX. I asked them to postpone the sale date to gather the money, and they refused. It shows the Bank wants to go ahead with the foreclosure because it is more profitable for 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 2015-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I identified new information for the cause of the XXXX 30 Day Lates on my Wells Fargo Mortgage. As previously communicated, my XXXX yr old mother got XXXX in XX/XX/XXXX and we moved her to XXXX closer to me. In the confusion, I inadvertantly missed XXXX payment, so each payment after for 3 months were also " recorded as late '' until I caught my mistake and made a double payment in XX/XX/XXXX. I sent a request in writing to investigate and remove the inaccurate reporting in " Good Will '' as I have always been on-time with my mortgage and considering the new information. I also added automated withdraw for all future mortgage payments, so it would n't happen again. I received a form letter response indicating what could be done ; nothing, and it was attached to the previous response that was sent to me. I do not think my request or new information was even looked at, just a representative doing a lookup and then regenerating the form letter decision. This is also preventing any opportunity for refinance and a way for Wells Fargo to keep me at 7.375 % when the going rate for the past 2-3 yrs has been hovereing around 3.5 %. This is unfair and Im confident this failure to investigate violates Reg Z, UDAAP, and FCRA and the subsequent improvements to FCRA that occurred in XX/XX/XXXX, and my ability to secure a new loan and refinancing ( Reg B ). I am willing to pursue this issue to the letter of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Dear CFPB : I have to file a complaint against Wells Fargo business checking for incessantly harassing me in spite of knowing that I was a victim of bank fraud. I filed that complaint in XXXX. The CFPB case number was XXXX. Before filing in XXXX, I reported the fraud to them in XXXX. That 's why I was incredulous that Wells Fargo would call me three times a day starting at XXXX ending at XXXX from XXXX XXXX XXXX XXXX. The bank never asked me how I was trying to reclaim and recover the money. Every word regarding the bad news, XXXX spewed about Wells Fargo was true because I am experiencing this first hand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a Wells Home Equity Line of Credit to conduct home improvements on XXXX XXXX, 2015. I was approved for a credit limit of up to {$30000.00} on XXXX XXXX, 2015. During the process, I considered seeking a higher credit limit, but was informed by Wells that I could always raise the limit later on if necessary. After the Home Equity Line of Credit was approved, I learned that my anticipated renovations would cost more than expected. Accordingly, I returned to Wells to obtain a higher credit limit. It was only then that I was told by Wells that New York State law allegedly prohibits Wells from increasing the original credit limit on a Home Equity Line of Credit. At no time did Wells inform me of this limitation when I sought the original line of credit. Indeed -- Wells ' representations were the opposite -- that I could always raise my line of credit if necessary. This false representation was a significant motivating factor in my decision to obtain the original line of credit. Now, however, I have been told by Wells that in order for me to obtain a higher line of credit, I must first close the existing Line of Credit and apply for a brand new Line of Credit with a higher limit. This process will cost me over {$800.00}, and Wells has refused to waive the additional service charges and closing costs.

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