vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On or about XXXX XXXX Wells Fargo received a wire transfer from XXXX Bank in the amount of {$35000.00} into my checking account, The staff at XXXX XXXX , branch of Wells Fargo ignored my direct instructions ( on more than XXXX occasion ) to " Under NO circumstances were any of those funds to have been placed into my account ''. I informed the branch manager on numerous occasions that the funds were not mine and that if she or the bank ignored me that they would be liable for any and all damages and possibly more. The bank also cancelled my Identity theft protection and denied me of my funds previously in the account and their actions have also caused other damages. I am also filing an Identity theft charge against parties involved since the bank also lied to me and stated " No crime has been committed and we will not contact law enforcement ''. They went on to state " There is nothing that we can do ''. and that is just a small part of what I have learned was also a lie that they stated to me and mislead me. I have documents I have not been able to obtain that do show other costs incurred due to Wells Fargo and It 's employees deceptive actions. They intentionally with malice have done this and the facts of their failure to act prove this as well. Their actions have caused undue stress, loss, damages, and I believe some of the actions are possibly criminal ..

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

Complaint narrative:
Wells Fargo solicited us to agree to an appointment with an investment individual. As incentive to agreeing to lose time at their office attending an appt., we were to receive {$20.00} into our account. I agreed and set the appointment. I showed up. The investment individual was not yet there. The bank employees who were there did not have information ; it was their investment rep who would know but, again, the rep was not there. I waited. I waited as long as an appt would have taken. The rep never showed up. I never received an apology. When I wrote the bank, they did nothing about it. They still owe me since I kept my end of the bargain, and I lost the amount of time agreed that was to be compensated with the {$20.00} into our acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo incorrectly applied an automatic biweekly payment, charged me a late fee, accused me of being two months behind, and harassed me at my place of employment. 

Wells Fargo misapplied my 2nd biweekly payment XX/XX/XXXX, wanted to charge me a resulting late fee and was telling me I was two months late on my mortgage ( XX/XX/XXXX & XX/XX/XXXX ) ; today is XX/XX/XXXX! It is absurd that they are calling it late and the day is n't even over! 

In XX/XX/XXXX XXXX payments should have been made, one on XX/XX/XXXX ( was correctly taken out ) and another payment on XX/XX/XXXX, which was not debited from my checking account. 

They made no attempts to call me at my primary number or by mail, but instead opted to call me at work to harass XXXX payments out of me. 

Note : Wells Fargo may be doing this to make up for loss of revenue due to the fraud committed by it 's executives and employees. When I mentioned I would contact the CFPB I was placed on hold and was cut off. I had to call back to proceed any further.

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 2016-02-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have Wells Fargo Visa Credit Card for around two ( 2 ) years, since the beginning I transferred an amount to not interest program for 12 month, I took the entire 12 month to pay it off, right after that I stop to use this credit card in order to keep in good standing my credit scores from my bureau of credit, today XXXX/XXXX/2016 I have received a letter from Wells Fargo Bank telling me that my account was closed because I have not activity for more than six ( 6 ) month, I believe be notified before to close the account just to give me the opportunity to use this credit card in order to prevent to be account close, will be the best way from Wells Fargo bank to show any respect for a client and do not be a XXXX against XXXX, I called them and they told me, they can not do anything for me, now I have my credit report affected because their decision to close my account, I am very frustrate because when you try to find the best way to solve this situation, you have a Giant telling you, '' I do what I want to do, you really do not count ", please help me in this unfair situation, Thank you, if you need more information just contact to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I consolidated a previous loan I had so I could get a lower interest rate. When they paid off the original loan they typed in the wrong amount and it ended up leaving a balance on the original loan. I had received a letter in the mail telling me they had to reopen the original account because there was a balance due. This happened in XXXX 2014. When I brought it to my bankers attention he said he would look into it. My calls were being ignored and I kept getting the run around. When he found out what happened he told me I would have to pay the balance off and I said no I was n't because it was their error not mine. This is still not settled and has been going on since XXXX. I also filed a complaint with the XXXX in XXXX. I recently sent documentation with my last response that showed it was their error. They still insist I am in the wrong which I am not.he new loan was set up with auto pay. My payments have been on time with sufficient funds to cover each payment. 
On XXXX XXXX I had more than enough in that account to cover the payment but they only took a partial amount on then XXXX and said I had insufficient funds. From that point on it has been a nightmare. This is causing me great frustration and stress. 

If there is anything you can do to help me I would be so greatful. 

Please contact me if you need anymore information. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
It was an insurance claim which they paid, and I continue to get threatening letters, calling the dentist several times and well as AmerAssit A/R solutions. Both XXXX are at fault and I am the victim. What even worse I am in the middle of escrow so this potentially could hurt me buying a my house. Please help

Company response to consumer: Closed
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Hi, I was recently hired to help pay my bills. I have submitted a loan modification with Wells Fargo a couple of weeks ahead of my foreclosure date. Wells Fargo kept asking for more documents which had my foreclosure date quickly approaching. I was notified 7 days out that the could no longer accept my loan modification documents. I asked if I could sell the home. Wells Fargo reply was yes. I hired a realtor before the sale date. The realtor was notified a day after the foreclosure that they could no longer accept sale documents.

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 2016-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc.
State: NC

Complaint narrative:
Windham Professionals called my cell phone and presented themselves as a company looking for a reference to hire my ex-wife and asked for her contact information. I have not had contact with her in 6 years and our last names have not been the same for that long. I asked if they were collecting a debt and they answered " yes '' and hung up the phone. I called the number back to see what the company was. This is the second call I have received from them after asking them never to call me again, I have nothing to do with my ex-wife or her debts. The fact that they are misrepresenting themselves, calling a mobile phone they likely should not be calling, proves this company should at least be investigated.

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 2015-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have been trying to restructure my mortgage for years. Wells Fargo finally approved me with an offer of {$960.00} per month. I accepted their XXXX offer in XXXX 2015. They took their sweet time in sending documents to be signed for the loan modification. In doing so They added another payment to the over due balance. That in turn has jacked up my monthly payment to {$970.00} The greedy XXXX at Wells Fargo are trying to squeeze every dime they can from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
. I have been trying to work with Wells Fargo since XX/XX/XXXX to modify my mortgage loan and it appears their underwriters can not connect the dots to get this completed. I 've applied several times for assistance, but I 've run into problems each and every time. My last single point of contact told me that my mortgage loan qualifies for the National Settlement Program and I have accommodated Wells Fargo 's every request for the last two years. The person underwriting my file denied me for the program in XXXX without a solid written reason. How can Wells Fargo allow a person who lacks common sense have so much power over my loan and destroy my life by taking away my home? Wells Fargo unjustly denied me access to government programs designed to help homeowners and it feels like there is nothing I can do. 

Since that denial, I 've continued to try to get help and went through the rollercoaster process of sending in information over and over again and being given false hope. Every time I did exactly what they said to a tee, but I feel they never properly reviewed my mortgage loan for assistance and have been playing games with something that is so important to me. I have submitted every document that has been requested ( multiple times ) and they still require more. I continue to get collection letters mailed to me every other day and also receive harassing phone calls on both my home and cell phone not only during business hours, but also at night. If they would put as much effort into reviewing my loan for a modification as they do harassing me to " collect a debt '', this issue would be resolved. But instead they continue with the foreclosure process instead of properly reviewing my loan for help ... is n't that dual tracking and considered illegal? 

It has been such a frustrating and stressful experience that was totally unnecessary. I am able to make my mortgage payment, but they will not accept it. They want to steal my house!!! Initially, I had hope that Wells Fargo cared about their clients, but it is clear they have no interest in helping me. It 's not fair for a XXXX like me to go through so much stress and eventually lose my home. I would be forever grateful for any assistance you could provide to get them to speak with me regarding my loan and hopefully save me from losing my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a credit card and and an unsecured loan with WF. My payments are {$500.00} plus on one and $ 200plus on the other. I have asked WF to consolidate these loans so that I can reduce my payments. My payments are on draft so I have never been late. WF underwriters keep telling me they can not do this. With consolidation I can have a lower payment each month and your loan is paid off. I am so sick of asking WF TO HELP ME, instead of their bottom dollar. There is no loss to you or me. It just helps me which I thought WF would try and help their customers. For so long I tried to get a refinance on my mortgage, which my local bank said was not authorized by your underwriters. I took a job in Florida and guess what they had no problem helping me out and refinanced my loan. I am being forced to seek help from the banking regulators just have a loan consolidation which is ridiculous. BEFORE I DO THIS ... .PLEASE HELP ME! I have my mortgage with you, I owe {$160.00} plus..but the market place in our country club says it s worth XXXX, but can not get an equity loan with you! PLEASE LOOK INTO THIS!

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: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me. 
Please provide full details of this account including the information used to open it. My credit files report an address that is not known to me and there have been attempts to open accounts from this address therefore, I require full validation of the opening documents for this account to ascertain who is using my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I used my debit card to make a large purchase for a laptop on Saturday ( XX/XX/XXXX ). Due to communication, me not understanding the limits on the card we ( the store and I ) agreed to cancel the transaction to get that information sorted. However, during the transaction my card was run through. My account was debited 1200 dollars in less than a minute. Since the daily limit is XXXX ( and I do n't have an extra XXXX floating around to accommodate the bank ) I was unable to make my purchase that day. I could have lived with that but now it is Wednesday and that transaction is still pending. If it had been an emergency I would have been completely stuck. 
I contacted Wells Fargo and they told me i would have to wait 3-5 days. My concern is that there is n't going to be any further communication from the merchant since it is an incomplete transaction. In previous dealings I have seen ligitiment transactions sit for weeks and they have blamed the merchant. Regardless of when or if it clears they should not be able to let transactions sit like that. 
Additional note ... I have been taking screen shots of that transaction daily. Everyday it is in pending the date changes which makes it appear as if it has been there for 1 day. This is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased some jewelry in XXXX from XXXX. The merchant facilitated the financing through Well Fargo. The creditor never provided me with a Credit Score Disclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2009, my father was solicited to apply for a reverse mortgage. He was XXXX years old at the time. According to a Wells Fargo reverse mortgage bank statement we have, he was approved for a reverse mortgage loan in the amount of {$120000.00}. My father has since passed away and Wells Fargo is now trying to foreclose on his house. As the executor of his estate, I have spent the last few months requesting Wells Fargo to provide information that my father did in fact receive the proceeds of the loan ( e.g., evidence of wire transfer or a copy of cashed check, etc. ). To date, Wells Fargo has not provided any information. 

My father was a low-income, XXXX living alone on a fixed income. I believe he may have been targeted for an unnecessary loan based on his profile. I am concerned that my father did not fully comprehend the consequences of a reverse mortgage, nor did anyone at Wells Fargo fully explain the terms of the loan. Based on Wells Fargo 's unwillingness to share information about the loan, I question whether my father even received the full proceeds of the loan.

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 2016-11-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This number keeps calling me EVERY DAY starting early in the morning to night. They never say who they are, but it has the Wells Fargo automated message in the beginning when I answer or if I call back. Not sure if this is a scam because they immediately ask for my credit card number before anything else. They wo n't say whether they are a debt collector but they mention that I owe money. I have spoke with them a few times and explained my recent situation and that I am unable to make the payment at the moment. I have asked them kindly to stop calling me and they still wo n't stop. I am woken up from their calls and last time I talked with someone they called me stupid and I need to get my act together before I get arrested. I do n't know what to do, because they change numbers all the time so even if I block XXXX number, they still contact me on another. I keep telling them to stop over the phone and they agree they will, then they still keep calling me. It is interfering with my sleep but also making me very nervous. How do I get them to stop? Thanks.

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 2016-10-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Ordered a tent and equipment rental from XXXX for an event XX/XX/2016 in XXXX, Wisconsin and paid with my WellsFargo debit card. XXXX was not able to complete the job appropriately as their weight system did not fit into the required XXXX space allotted at the show .The tent they installed also had rips in it. The tent also was installed incorrectly and had tears in it. I requested that XXXX return to the site to fix the problem. They stated that they could not fix the weight issue as it was a liability so they could not fix to fit in with my allotted space. ( see texts and photos from event essentails ) They stated - too bad, that they would just pickup the equipment. 
I filed a dispute with Wells Fargo including photos and copies of all communication. Wells Fargo issued me a provisional credit then did n't do anything and reversed the credit last week. I have requested for them to reopen the claim and find in my favor but they have n't responded

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have been going back and forth with my Mortgage company, which is Wells Fargo Home Mortgage for about nine months. I have asked them to drop my ESCROW account. I am paying for my homeowners insurance and taxes out of my private checking account. 
At XXXX they said they could not drop it because it was a veteran loan, I contacted the veterans administration and received proof from them that I no longer need ed to have a ESCROW account. I gave this proof to Wells Fargo Home Mortgage, and they changed their mind and said they would not drop it because they did not want to. I gave them proof of my payment to my homeowners insurance and taxes, which I pay for yearly. They still refused, meanwhile the ESCROW account keeps growing because they have nothing to pay. I have contacted them many times. Can you help. I will gladly give you all the information you need. 
Thank you. 
XXXX XXXX

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