vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-17 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:
Awhile ago on my credit my banker mentioned a Wells Fargo account of XXXX was on my credit and I was completely unaware of that. Then, the scandal happened and I thought it would automatically be pulled from my credit report and it was not. I never opened a credit account with Wells Fargo. Only a checking account and I closed it.

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 2015-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My bank account was fraudulently used to where now my credit and opening a bank account privileges have been severely affected. I contacted the bank immediately and they were not helpful and actually quite rude when it came down to it. I am highly upset because through no fault of my own, my future with other banks/creditors has been adversely affected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo is not helping me at all! It all started with my forbearance plan and was trying to extend it but my home specialist never returned any phone calls and so it expired. Now trying to modify the loan and not even asking for pay stubs! There r a number of issues my court date is XXXX XXXX 2016 I will fight to save my poor little house. I work XXXX jobs and the specilist is reading from a screen help me please! I know I 'm 1 of many! Thank u XXXX XXXXXXXXXXXX

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 2017-01-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2017 I attempted to pay health insurance premiums online for myself and my daughter. After the transaction was declined I contacted Wells Fargo and discovered that they had arbitrarily set a {$2000.00} spending limit on my debit card. The initial representative I spoke with offered to increase my limit to {$3000.00}. She then informed me that her request was denied by " the system. '' When I asked why I was unable to get access to the money in my account I was told by the Wells Fargo representative that it was for my own protection. My identity had been verified by the representative so I am wondering from whom I am being protected, myself?? I also spoke with a " customer care '' representative named XXXX. She basically repeated the same thing I was told by the first representative. Given that I was facing a deadline for purchasing insurance I was extremely frustrated and asked what recourse I had. I was told I could go into a bank the next day and ask for an increase or give the insurance company my account and routing number. Time was of the essence so going to the bank the next day was not a viable option nor was providing my account information to the insurance company because there was no mechanism to do so. I asked what recourse I have as an unsatisfied customer. I was told I could get a complaint number ( which I did ), that the complaint would be taken into consideration when policy discussions were held, but there was no guarantee that anything would change in the future and no further follow-up would happen unless I followed up myself.

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 2015-07-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
We are in the process of a short sale and the lender XXXX Wells Fargo XXXX has denied providing us a copy of the appraisal completed on XXXX/XXXX/2015. The lender actually informed us that due to it being an internal report and not for credit we cant receive a copy. They are clearly violating CFPB guidelines that state any means used to determine a property value are to be supplied. This seems to only happen when our value is good and the lender is trying to fraud the seller. We previously received copies on XXXX/XXXX/2015, dated XXXX/XXXX/2015. We sent in a value dispute package on XXXX/XXXX/2015 and the lender requested a new appraisal XXXX/XXXX/2015 completed on XXXX/XXXX/2015 the new value {$55000.00} down from the original appraisal of $ XXXX.Here is the file timeline:XX/XX/XXXX : short sale was XXXX : called spoke to XXXX XXXX Presidential team said they do n't give out copies as they paid for it, desktop value $ XXXX completed XXXX requested copy via XXXX : called spoke to XXXX XXXX XXXX, XXXX requested copy of BPO & fax XXXX : email XXXX XXXX, processor/negotiator requested copy of BPO & sent MLS XXXX : XXXX emailed me the address where to send request copies of Appraisal, fax/mail sent, Counter received at $ XXXX : MLS rebuttal emailed to XXXX XXXX XXXX XXXX Loan Adjustor Spec XXXX XXXX XXXX XXXX Executive Office called stating the appraisal sent via mail on XXXX : mail rcvd desktop appraisal $ XXXX dated XXXX : Value Dispute Package XXXX, XXXX, : email req XXXX : email rcvd XXXX XXXX ( Loan Servicing Specialist XXXX asking for loan # XXXX : email rcvd XXXX XXXX he ordered new XXXX XXXX XXXX XXXX XXXX : 3 faxes sent & mailed Req copies of XXXX : XXXX Executive Offices called copy will be sent out next XXXX : email req update from XXXX XXXX, called WF XXXX XXXX XXXX XXXX left VM XXXX called WF CS spoke to XXXX ID # XXXX transfer me to XXXX XXXX XXXX XXXX full appraisal done & got it back on XXXX came in $ XXXX : email XXXX XXXX update? Called WF spoke to XXXX ID # XXXX resent XXXX : email rcvd/reply XXXX XXXX asked for buyer highest/best I said buyer came up $ XXXX : fax rcvd Ltr SS withdrawal due to not rcvd docs on time by XXXX XXXX in Liquidation Servicing XXXX, emailed XXXX XXXX he said he did n't send withdraw but file is open with him. Need buyer XXXX : XXXX XXXX WF escalations called she is unable to send copy BPO due to it being internal use and not for credit I said per CFPB yes, will file complaint, 3 faxes/mail sent req 2nd copy of BPO XXXX mind you she called me on XXXX & XXXX previously and told me the copies were sent out for desktop appraisal )

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 — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo stated that XXXX XXXX holds loan to this loan and when I call they stated that they do not hold this loan and to call Wells Fargo Back trying to remove the PMI insurance on this 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 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Continues to proceed with a house foreclosure even though they have required documents showing that the house has been sold with a closing date in XX/XX/XXXX or XX/XX/XXXX. I have the sheriffs office calling me and serving me with papers as well as calls from others. Hundreds of attempts have been made through written and voice correspondence which are virtually useless because they always seem to fall into the hands of someone who " does n't have the authority '' to do anything about it. They refuse to give the real estate company a loan payoff amount so that accurate calculations can be made by the real estate company. Yet - at the same time - fee after fee after fee is being charged including forclosure attorney fees and there isnt even going to be a forclosure. THE HOUSE IS SOLD!!! But you ca n't get that through to 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 2016-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My husband and I have had a Wells Fargo Equity Line for {$35000.00} that we got XX/XX/XXXX. We mostly only paid the interest and racked up to {$35000.00} on it. It is past the 10 years and it was closed XX/XX/XXXX when we tried to refinance our home with Wells Fargo but that loan was denied by them. We still have been making interest payments with a annual financial rate of 6.35 % along with credit insurance. Due to limited funds, it is hard to make payments more than that. We recently talked with Wells Fargo trying to refinance and open another line of equity credit for the balance of {$34000.00} because that was the only way to lower the interest and change the time frame of the loan from 30 to 10/15 years. We were denied due to lack of liquid assets. Please help with verbiage in talking with Wells Fargo and what other options we have to get this loan paid off. Please let us now if you have other questions and advice. We currently have our Home Mortgage with XXXX 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 2016-10-28 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 opened the checking account and the safe deposit box with Wells Fargo couple of months back. Wells Fargo did n't generated the documentation properly and missed the sign in sheet. When i went to open the safe deposit box for the first time i was told that sign in sheet was missing but i was was let in to open my safe deposit box and bank manager confirmed that he will get the sign in sheet generated very same day and i should not have any problem going forward. On XXXX XXXX i went again to open the safe deposit box and again i was told sign in sheet was missing again. I asked for the manager and he told me to generate sign in sheet again and it will take couple of hours as there are other people in line or come later to open your safe deposit box. As i was in hurry i decided to go back and make up my mind that i should close my checking account and safe deposit box with Wells Fargo. I went to the bank on XXXX XXXX and i asked them whether i will be getting my money back for the safe deposit box annual fee or not. I was told that i will be given prorated money back so i asked them to close the same. After i closed both the accounts i got the money from the checking account but not for the safe deposit box. I was told this ca n't be refunded. Person who told you was wrong and this is non refundable fee. I need my money back from wells fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I want to file a formal complaint against XXXX XXXX of Wells Fargo. She pulled my credit with out my permission, denied me a loan based on credit when I was told she could get me a refinance loan WITHOUT pulling my credit and continues to send me boat loads of emails and documents to this day even though I was denied a loan after my credit was pulled without my permission. 

How do I file this complaint and seek legal representation for unjustice.

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 2015-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I closed on my home XX/XX/XXXX and my first payment was due XX/XX/XXXX. From that date I have made a payment of XXXX to Wells Fargo Bank ( WFB ), {$100.00}, more than the required payment. ALL PAYMENTS through XX/XX/XXXX were made before being due on the first. ( wfb.pfd XXXX ). On XX/XX/XXXX, I made a mistake in my online billing date for XX/XX/XXXX and dated the pay date for XXXX XXXX. When that payment came out it made my account overdrawn. I quickly called my bank and Wells Fargo and had the payment reversed. ( Wfb.pfd XXXX & XXXX ). With this item being reversed, I thought everything was ok until I started getting calls from WFB say I was late on my payments. I called and talked to a couple of people that did not seem to want to help. Finally I had called earlier and had my bank on the phone and arranged a 3-way call to get this fixed. We were transferred 4 times and finally hung up on. I called back and told them I wanted to speak to a supervisor. I talked to XXXX XXXX and told him of the issue. I told him I had evidence that proved that the XX/XX/XXXX payment was made. ( wfb.pfdH-XXXX thru XXXX ). The next day I talked to him and he seemed to think this would be taken care of in a swift matter. The matter was turned over to XXXX XXXX XXXX who would open a case to fix this. In the mean time I receiving late afternoon phone calls and mail to collect a debt. Phone calls were from XXXX XXXX ( wfb.pfd. XXXX, XXXX, XXXX ). I was receiving a lot of mail for debt collection, when I was not in debt for one day. ( XXXX, XXXX, XXXX to XXXX, and XXXX ). Statements from WFB came showing that the XX/XX/XXXX and XX/XX/XXXX payments were received. ( wfb.PDF XXXX & XXXX ) At this time WFB started playing this reversed items and Applied items making my account status very hard to keep up with. ( wfb.PDF XXXX ). At this time I am so upset that it is causing health concerns, not sleeping good and spending to much time on the phone. To a simple old man I could not make sense of the trouble I was going through, NEVER BEING LATE for any on payment. I still am concerned about my credit report although XXXX said they did not turn information to them, THERE IS NO TRUST WITH WFB. I also found out last Saturday ( XX/XX/XXXX ) that the VA had been contacted ( wfb.PDF XXXX & XXXX ). Again why do you contact the VA when the loan is not overdue for 1 hour in the life of the load. Today ( XX/XX/XXXX ) I received another letter telling me I was late with threats. ( wfb, PDF XXXX & XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Please see Case Number XXXX. 
In this previous complaint Wells Fargo have stated in writing ( both to the CFPB and to me ) that it is possible to transfer funds from my Wells Fargo account to a bank account in XXXX using the Wells Fargo online banking system. In fact this is is simply not true. The Wells Fargo online system allows transfers to various countries in XXXX and XXXX XXXX, but it absolutely does not allow transfers to XXXX. I believe that the Wells Fargo response to my complaint # XXXX is simply false.

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 2016-08-09 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Account PLATINUM CARD XXXX Transaction Date XXXX/XXXX/2016 Posting Date XXXX/XXXX/2016 Description CASH ADVANCE FEE & lt ; REFERENCE XXXX & gt ; Amount {$52.00} Company 's website will not allow consumer to dispute fees and also refuses to remove fees from phone call as well. Attached form shows that the website errors out and does not even allow consumers to even raise a concern effectively blocking them from a dispute of a charge.

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 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Bank opened an account through XXXX XXXX without my permission or knowledge. This was a reoccuring charge in the amount of {$24.00} monthly since 2013.

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 2016-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Soon after my refinance loan closed, I received a voicemail from my Wells Fargo Home Mortgage Consultant encouraging me to fill out a customer survey. In the voicemail, for the survey the consultant stated, " Anything less than a 5 we actually fail, believe it or not. So, if you say we did a great job and you give us 4 's. That 's not a passing score on our end. '' The survey ranks responses from 1 ( Not at all satisfied ) to 5 ( Extremely satisfied ). This voicemail from the consultant appears to be another symptom of Wells Fargo 's questionable business practices coupled with unreasonable expectations for employees.

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 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
We tried to refinance a rental property of ours on XXXX XXXX, 2016. We have paid our mortgage with them for almost 10 years & have never been, late. We scanned loads of documents for Citibank for almost 4 months & they kept letting our documents expire & then asked for more documents. We had a closing date & time with them & then they cancelled closing asking for yet -- -more documents! We decided they were never going to stop asking us for more verification, so we told them to give us our application fee funds back, that we were not going to keep being strung along while it was never-ending documents they wanted from us. They took almost {$700.00} from us, wasted our time, while now refusing to refund our money. Account manager is XXXX XXXX at XXXX XXXX XXXX. Please help! XXXX XXXX - XXXX XXXX XXXX. Thank you.

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 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Excessive overdraft fees and unlawful reordering of bank account transactions.

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 2015-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo today and they advised that I was 51 days delinquent. I was a little confused as to why. I spoke with XXXX who first advised that he was a supervisor ( I later found out that he was a lead ) and he advised me that if a partial payment is made on the account, then it is not applied towards the account and that interest accrues daily on the full amount due. I have made larger payments towards my account for some time. I want to make sure that the company is calculating the interest correctly. If they are not, I would like for them to adjust my account accordingly. Also, the person on the phone advised that he was a supervisor, when he was not. He was a lead. This is misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX 2016 I applied for a deferment on my loan and I was advised to pay {$420.00}, which is XXXX payment plus a {$25.00} deferment fee. I made the payment as advised and called in and a consent to the deferment form was faxed to the XXXX Branch where I was to sign the form and fax it back. I did as I was instructed. Later in the month of XXXX I filed for Bankruptcy so there after statements were delayed and not reflected correctly. After my Bankruptcy was completed I reviewed my statement to make sure all adjustments were properly made and I found that my account reflected past due. I called in and was transferred by numerous representatives until I got XXXX who was trying to correct the issue. He advised me my deferment fee had been applied to late charges instead of the deferment. He also advised me he will reprocess the deferment and take care of any negative credit reporting I may have received and to call my account representative to correct any late fees that may have been applied, I schedule a payment with him for XXXX/XXXX/16. He advised me that I had to sign another form and it will come by email within 48 hours. I received the form and emailed it back to XXXXXXXXXXXX twice. Friday XXXX/XXXX/16 & Saturday XXXX/XXXX/16 I received calls from the collections department. I called back but it was after hours then I called again on XXXX/XXXX/16 and I was advised by collections they could n't help me and transferred me to customer service. I asked to be warm transferred but she just dropped the call anyways. I spoke to a guy in customer service and he advised me I would have to start over and pay another fee. I told him that 's not right I paid my fee and did what I was asked and that I 'm not paying another fee. The guy said well he could not help me and went on to transfer me to my account manager again I was not warm transferred and not provided with a name or extension, I was just dropped on a line that asked me for an extension I did not have. I would like my late fee refunded, interest adjusted and payments reapplied if necessary, credit adjusted if necessary and deferment processed.

Company response to consumer: Closed with monetary relief