vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my visa credit card due to suspected fraud without my knowledge no emails or phone calls from them they said they sent me a letter but I did n't get it. Because of this they said my rewards points are forfeited. According to them the only way I can get my points back is to apply for a new credit card. Ive been dealing with them since XXXX 2016 I spoke to different departments, cust service, collection, rewards, fraud dept and branch manager in XXXX XXXX. I do n't want a new credit card from them and check my credit again They should not punish and inconvenience me as their customer because I am the victim of fraud. I have an excellent credit rating and XXXX balance in my card it was paid off XXXX 2016 I found out that it was closed XXXX 2016.

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 2015-05-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Wells Fargo charges fraudulent, multiple, ATM transaction fees, for only XXXX XXXX withdrawal, to other bank. {$8.00} total, when other bank 's ATM machine broken and none other available for several miles, other bank refuses to refund the XXXX. On XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I refinanced on my first mortgage with Wells Fargo, and closed on a Heloc at the same time. I was supposed to get a XXXX draw on my line of credit at closing, however as the weeks passed and the draw never made it to me, Wells realized they made an error and somehow posted the XXXX to pay down the balance on my first lien. After the loan funded, and I confirmed the XXXX was in route to me, I took out a loan with XXXX ( as that was the whole premise of getting a Heloc, due to needed home repairs ). Wells has admitted many times over the last XXXX weeks ( XXXX weeks since closing ), this was their error due to a new system and the Heloc and first mortgage department not working well together, and that they would " make it right and refund the XXXX ''. I am now being told just because I live in Texas they ca n't make it right, and I am now out the XXXX. I was also told I needed to make the payment on the Heloc as of XXXX otherwise my credit would be impaired. I made that payment, however I am now paying on a Heloc payment I did n't receive, at a higher interest rate than my first mortgage. This makes XXXX sense, and Wells Fargo needs to figure out a way to right the wrong. I should n't be penalized because of living in Texas, even if this means they write a check to me for XXXX, write off my Heloc so I can apply for a new one or pay off my XXXX 's account. It 's been XXXX weeks and no one seems to be giving me updates. I asked if I needed to get an Attorney, or lodge a formal complaint and was told they handled that for me. This is a large problem. I XXXX and know that if a mistake is made, it has to be fixed. I do n't care that my first was paid down, that was n't the point of spending XXXX painful months working on a refinance with Wells.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union is still limiting access to accounts due to a message box pop requiring a phone number to continue ( XX/XX/2016 ). There is already a valid email contact address on their file that they have used before. There is no additional information on the popup, but yet their billing rights, which is very difficult to find, clearly states 'phone calls will not preserve rights '. This is deceptive conduct by NFCU, even though they signed File No. XXXX, to get people to waiver their rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i was denied a hamp because the unpaid balance is over the hamp limit, I am only {$14000.00} over the limit of the hamp & also requested to pay this amount towards the principal to allow me to get reviewed thru the HAMP but they did not respond to my request. also they stated that they are unable to reach an affordable mortgage payment based on my income. my gross income is XXXX and that me or the co-borrower have reached the allowable number of modifications. I am at a point that I can afford my current mortgage payment, but I can not afford to pay back what I owe in the past which is over 200 thousand dollars, I want to save my home and I am trying every avenue to do so, however they seem that they are not willing to help me, instead they prefer to go thru the foreclosure process which it will cost them more money to them. I want to stay in my home and I am trying every avenue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a deposit of {$15000.00} on XXXX/XXXX/2016. Wells Fargo has placed a hold releasing {$200.00} XXXX/XXXX/2016, {$4800.00} XXXX/XXXX/2016 and {$10000.00} XXXX/XXXX/2016. Since the deposit is presented during the mid-night processing of XXXX/XXXX/2016 and the funds are received by Wells at that time Wells is using my money without my authorization or paying interest during the hold time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am disappointed in Wells Fargo 's decision not to reimburse me for the XXXX {$5.00} service fees I was charged on XXXX XXXX, 2015. 
This entire incident occurred simply because the woman in charge of the XXXX XXXX Wells Fargo office did not tell me this was some sort of special savings account and did not tell me there was a minimum account balance. All I wanted were XXXX plain, old fashioned, savings accounts. I have closed these accounts ( XXXX and XXXX ) and transferred my direct deposit payroll to a credit union. I no longer use my Wells Fargo checking account for anything other than cashing checks that are sent to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was interested in obtaining a debt consolidation/personal loan to pay off higher interest rate credit cards. I shopped around, reviewing rates at various banks. Wells Fargo ( on their website www.wellsfargo.com ) has a payment calculator for each state, with their rates, so this is what the interest rate reflected was : XXXX for 36 months ( FL ). It does not state an APR range at all, but a fixed APR as XXXX for XXXX months, for the amount I was requesting. 


https : //www.wellsfargo.comXXXXRate and Payment Calculator ResultsThe following are results for Unsecured Personal Loan in Florida. Included are XXXX additional results that show your APR and monthly payment if you select a different term. 

Amount Term APRXXXX Monthly Payment {$6500.00} XXXX months 8.231 % {$560.00} {$6500.00} 24 months 8.247 % {$290.00} {$6500.00} 36 months 8.248 % $ XXXXXXXXReady to apply for a Wells Fargo personal line or loan? Apply NowVisit a store or callXXXXXXXX. 

This is completely deceptive ( UDAAP issue ) since then when I applied that same day, at the Wells Fargo branch in XXXX XXXX, FL ( XXXX XXXX ) I was approved at 12 %! I have stable income and my FICO SCORE is not only Excellent, but the highest range. 

Therefore, Wells Fargo is apparently deceiving their customers by stating the rate is 8.248 percent and then doing a bait and switch and saying the person is approved at 12 % ( with Excellent credit! ). 

I refused the loan, since I can get a 12 % loan anywhere and the whole purpose of the loan was to lower interest rate but wanted to let the CFPB know of this unfair and deceptive practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
After reading the article that I attached the hyperlink below, I 've realized of the many illegal actions that Navy federal Credit Union took against me during my time in the XXXX XXXX. Prior to me closing my accounts out of pure frustration with them, I received several letters threatening to contact commanding officers. This threat alone would have put in a situation where I would n't have been able to lead the men and women below me and likely end my career. I also was locked out of an auto loan, causing it to go over the 30 day late mark, even though I had called and paid it. 

Hyperlink below : 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 2015-12-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XXXX XXXX, 2015, I contacted Navy Federal Credit Union regarding the Line of Credit and talked to XXXX, customer tepresentative and also requested to speak to her supervisor, XXXX. Arrangements were made that I was supposed to make less than {$330.00} a month. XXXX told me that I am being charged {$190.00} for the interest rate and I told her that was high. I told her that am being overcharged and that I already made arrangements to pay the Line of Credit. I had made this arrangements because we are in a fixed income and both retired. I was not satisfy with her providing the information so I requested to talk to her supervisor XXXX. He did n't seem to assist me at all instead he corrected me went I said the supervisor and he said I am A supervisor which is unprofessional and he had a bad attitude. I told him I will file a complaint to Consumer Financial Protection Bureau and he said go right ahead. He then said I will make sure your loan goes to Collection. Prior to this, I was going to make my line of credit {$230.00} which was online. Apparently, I pay my bills using the Navy Federal Credit Union. I disagreed with XXXX and he did n't assist me at all. As a supervisor, you need to assist the customer not threaten or retaliate by telling me that he will make sure my loan goes to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A Wells Fargo savings account was opened without my authorization on XX/XX/2009. My personal information, address and social security information was used to open a bogus and fraudulent account ( " Goal '' savings account ) in my name with my personal information. Evidencing this is the letter dated XX/XX/2009 calling for my signature. 
How can an account be opened without my signing for it? Where did the initial funds to open this account come from? I kept the letter because I thought at the time if I ever needed proof in the future that I did not authorize the account or the funds that were transferred to it, the letter would be proof enough. 
In sum, a fraudulent account was opened using my personal information without my authorization and with unauthorized funds. If I were to commit an egregious act such as this, I would be put behind bars.

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 2015-06-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We had a terrible experience with Wells Fargo fraud protection. They did not protect us AT ALL. In XX/XX/2015, my husband and I accidentally wrote and mailed XXXX rent checks to our landlord, XXXX each. We notified them and asked them to cancel the XXXX check when they received it, or to hold it until next month. On XX/XX/2015, I viewed the checks online. XXXX had been withdrawn from our account. I noticed that XXXX had been altered. The payee name had been changed from our landlord's to a name that was unfamiliar to us. Our landlord informed us that they never saw the XXXX check, and that they were also unfamiliar with the altered name. I called our bank, Wells Fargo, on XX/XX/2015 to report the fraud. I called again to check the status of the claim on XX/XX/2015. We also reported the fraud to the XXXX Police Department and were assigned a case number. We were given a claim # by Wells Fargo and submitted an affidavit to them on XX/XX/<YYYY> Wells Fargo did NOT return XXXX to our account. We were told that the bank that cashed the check was responsible for restitution, and that we had to wait for Wells Fargo's claims department contact them and obtain the money from them. We were told that this process could take a couple of months. Every month, we called to follow up, and Wells Fargo kept telling us the issue had not been resolved yet. Finally, we called Wells Fargo on XX/XX/2015 and they told us that the claim had been closed in XX/XX/XXXX (they made no attempt to contact us about it) and they would be unable to restore the XXXX to our account. We are extremely disappointed in Wells Fargo's fraud protection policies and will be moving to another bank soon. We do not feel valued as their customers. We have been telling our friends and family about the situation to warn them not to choose Wells Fargo as their bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Good morning. 
I contacted Wells Fargo to get my interest rate lowered on my credit card. I 'm in the process of buying a home and I want to pay the debt down on my Wells Fargo credit card to raise my FICO score and lower my debt to income. I spoke with two reps and both said they were unable to lower the interest rate. I asked why and neither rep offered an explanation. Is there anything the CFPB can 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 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My husband wrote a personal check from his XXXX account to my wells fargo account. for {$1000.00} my receipt stated the funds would be available XXXX XXXX, 2016. On XXXX/XXXX/2016 the {$1000.00} from my husband account cleared the check XXXX XXXX. When I checked my wells fargo account it stated there would be a hold on the check until XXXX XXXX, 2016. When I contacted XXXX XXXX to understand the delay, I was given no reason why my deposit would be delayed 2 weeks when the money had already been deducted from my Husnands accont. after numerous calls to wells fargo and a visit to the local branch I received a letter yesterday XXXX/XXXX/2016 stating that the account on which the check was written which is highly inaccurate as my attachment will attest. as a result I have suffered extreme hardship due to this mistake by Wels Fargo and have had to cancel my travel plans and appointments which have to date cost me {$190.00}

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 2016-10-19 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 XXXX XXXX, 2016, with the help of Wells Fargo XXXX XXXX ( over the phone ), I created new accounts for XXXX XXXX stock that I owned. My purpose in doing so was to have XXXX siblings included as Transfer Upon Death ( XXXX ) recipients. At the time of creating these accounts I called Wells Fargo XXXX XXXX and was told to use Wells Fargo 's Stock Power Form. The guide to completing this form is XXXX pages long. 

In order to correctly complete the form I asked the Wells Fargo XXXX XXXX assistant for help. When I came to Section E of the form ( which deals with a XXXX form making the account tax certified ) the Wells Fargo XXXX XXXX assistant tole me I did n't have to sign that section because I already had an existing account. ( XXXX XXXX form is specific to verifying a Social Security number and provides tax certified status to the account ). 

Under the guidance of the Wells Fargo XXXX XXXX representative, I did not sign Section XXXX of the XXXX XXXX XXXX and then submitted the entire XXXX XXXX XXXX to Wells Fargo via mail. 

In XXXX XXXX XXXX XXXX XXXX merged with XXXX, which involved an exchange of my current shares of XXXX XXXX with the new company now called XXXX XXXX XXXX. But because my shares of XXXX XXXX XXXX XXXX were not tax certified when the new accounts were created, I was taxed on all my existing XXXX shares and again on proceeds from the sale the XXXX XXXX stock itself. 

On XXXX XXXX. 2016 I called Wells Fargo XXXX Services and spoke with another representative over the phone. She pointed out to me that in lieu of sending in a XXXX document, I could have accomplished the same purpose of achieving tax certification status on-line almost instantly. When I originally called Wells Fargo XXXX XXXX in XXXX, I was not told this was an option. 

According to a Direct Registration Account Statement mailed to me after the fact, Wells Fargo XXXX XXXX sold XXXX shares of my XXXX XXXX XXXX XXXX to cover these tax bills, at a cost of {$2300.00}. 

I have been in communication with representatives of Wells Fargo XXXX XXXX by phone to confirm that they sold XXXX shares of my stock and that I paid {$670.00} in withholding tax to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, the bank failed to honor a properly funded payment, by the time I realized this I was late on my payment about 20 days, I had to pay late fees and my credit standing with the creditor was affected. The bank now claims that I put a stop payment on the transaction as the reason for not paying it. I have never put a stop payment on anything in over 30 years. I have asked the bank to provide clarification letters for my creditor and my credit file and they refuse. In the last few months I have had several irregularities which never happened in the previous 30 years of the account, somebody please close this bank it has become a nightmare. Many thanks for any help you 'll provide.

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 2017-03-31 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a credit card with Sears to try to improve my credit score. XXXX of the only hits to my credit score is that I have very few accounts, and I had a good opportunity and thought Sears was a reputable enough company. I purchased a bed and a few accessories as I 'd just moved to XXXX and that 's the point at which I was asked to open the account. The address I gave them was my new XXXX address, but when verifying my driver 's license they claim to have put the old XXXX address from my license into their system, so the credit card never arrived. 

I got a text message from Sears saying that I had a late payment. So I called them and told them I never received a card, and I need a card number in order to pay the balance. They allowed me to give them bank account information over the phone to cover the balance and they removed the late fees that had been applied. 

Because it had no balance and because I did n't have the card to physically use, I did n't think much of it, but I still never received the credit card and to this day never have. But after my car was broken into and documents that could be used to steal my identity were taken from it I was advised to monitor my credit score closely for accounts attempted to be opened under my name and information. It was at this time I noticed I had grossly overdue payments on the Sears card. 

I called Sears to find out how I could have missing payments with a balance of XXXX and was informed that when I gave them my information and said I wanted the whole balance paid that a small dollar amount, I believe between XXXX and XXXX XXXX dollars, was left on the account. I never said a number, only that I wanted the whole balance paid, so there is no reason they should have left any balance on there. 

The payments were very long overdue, and I was never contacted about any of it at any time, but my credit score has been damaged severely by this. Prior to this incident my payment history and timeliness was perfect, and I would have no reason to leave such a small balance and let it go unpaid for so long. I 've been advised to pursue a resolution and a repair to my credit score through the Consumer Protection Bureau first, and if that does n't fix the problem I understand that there are further legal options. I will also never do business with Sears again if this is not corrected. 

I do not have any documentation other than what 's on my credit report because Sears never sent me anything at all, but I 'm told that they are legally required to keep the documents that will prove what I 'm saying. The representative I talked to on the phone apologized and let me close my account but said nothing else could be done. Legal action has not been filed at this time, but will be if the issue is not resolved and my credit is n't restored.

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