vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
XX/XX/2014, I purchased Jewelry on the a Wells Fargo XXXX XXXX. This was a 12 months same as cash arrangement. When I received the bill, I set it up for 12 months with 2 weeks before the final due date. My account was on auto payment and was in good standing. 

Wells Fargo did not apply my last payment until after the " deadline '' date of the contract ( let me reiterate, this was on autopayment and completely in good standing. The amount sent he period was greater than what was required to payoff in advanced of the arrangement ). Believing my payment was paid in full, I did not check back until a credit alert occurred on my credit score. 

I called Wells Fargo immediately and was told the only way for me to dispute the charges was to fax or mail a letter. The letter below was sent on XXXX XXXX. I have since called twice ( with their collection agencies calling my phone multiple times a week ) and the letter is never received. Forcing me to either pay {$540.00} ( which is about XXXX % of the amount I put on this card to start with ) or get a 60 day delinquent mark on my credit. 

( The fact that my last payment was not applied for several weeks was CONFIRMED by a Wells Fargo Rep when I called ; however, he could not do anything about it. He could only ask me to send a letter. That letter was never received. ) This is a predatory practice. The fact there is no way to dispute and get a resolution of these charges short of a fax or a letter that will never be received is prove of 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 monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was paying my Wells Fargo Visa card in full as they had perpetrated fraud on the account. This has previously been reported to the CFPB. I called the phone number on the back of the Wells Fargo Visa card as the amount that was reported on the statement was apparently incorrect as there was an approximate {$42.00} still owed on the card. I explained I was closing the card. Wells Fargo said I could pay directly from my XXXX Bank account. She asked for the account and routing number which I gave her. I checked the Wells Fargo Statement and {$9.00} was owed on the card. I called the number on the back of the card again and spoke with XXXX women. They each explained this charge was interest on the card. I explained the card was paid off and closed. I also requested their explanations of this charge be sent to me in writing. All said this could not be done. The last woman I spoke to, XXXX, finally said the {$9.00} would be waived. I agreed. I checked my XXXX Bank acct on XX/XX/2016 and the {$9.00} had been withdrawn without my agreement. I again called Wells Fargo and was told that Wells Fraud Investigators would contact me. I said to please make note that they should contact me in writing only. Yesterday, I received a phone call from Wells Fargo which I will not return. Also, yesterday I received a letter from Wells Fargo Card Service stating, " thank you for using our telephone payment service ... .. ''. for payment of the {$9.00}. I never gave them permission to once again enter my XXXX BANK ACCOUNT for this amount. THIS PRACTICE IS QUITE FRIGHTENING. I have notified XXXX Bank concerning this fraudulent practice.

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 2015-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I can not get a tax form of mortgage interest paid out of Wells Fargo. Once you pay off a mortgage, your account number no longer works in their phone system. So you wait on hold to speak with a representative. Their phone hold " tune '' is designed to kill your will to live. I was told I have to wait 30 minutes. 

Update : I have now gotten to speak with a customer service rep. Once you payoff the mortgage, Wells Fargo will not grant you an electronic rights. So there is no way now to get statements other than to phone them and deal with the mortgage bureaucracy. Since my payoff occurred in XXXX of 2015, I will need their help getting mortgage interest payments made through early next year. 

The behavior of Wells Fargo is not up to the standards of the industry. I had another mortgage with XXXX XXXX and that firm allows me 7 x 24 to log in after the loan is closed to log in and download the critical information needed to deal with state, local and federal taxes. 

Wells Fargo -- having pocketed the interest -- should have more regard for the tax compliance burdens of customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo prematurely closed my account despite me making agreed paying. when I opened the account, I agreed to pay {$100.00} per month and I have never paid less than XXXX per month. when I contacted the creditor ( XXXX and XXXX ) for assistance in managing my Wells Fargo account, they verbally indicated that they no longer bank with Wells Fargo because they do not deal well with customers and that Wells Fargo has closed all of their customers accounts in XXXX. Since the deal with Wells Fargo and XXXX and XXXX ended, Well Fargo have been inflexible in managing the late fee and discrepancies on my XXXX and XXXX account. Although they closed my account after increasing my credit limit, I continued to pay on the account, but my credit report reflect that it is charged off because i have missed XXXX or XXXX full payments ( due to late fee and online banking issues ) and have been trying to rectify the discrepancies and get my account current since XX/XX/XXXX, but wells fargo have been extremely punitive with their exorbitant late fees and rude customer services reps, who speak to you in a condescending manner and tell you that thereis nothing they can do but close or charge off the account and ruin your credit. they then proceeded to close my account in XXXX although they received payment. Please note payment made as reflected through my online XXXX account statements : XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$120.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX $ 100.00I will be happy to forward the aforementioned transactions through a formal bank statements to support this documentation. 

In XXXX, and XXXX I missed online payments due to an online banking glitch, but from XX/XX/XXXX, Wells Fargo have consistent received payment as reflected in your credit summary. I explained this to Wells Fargo and other creditors that were affected. other creditors did not charge my account off. they worked with me to rectify the past issues, and now my accounts are in good standing. Wells Fargo has made no effort to work with me as they appear to be no longer invested in me as a customer, due to their severed relationship with XXXX and XXXX, who has actually apologized for the problems and invited me in to open an account with their new bank ( XXXX ), as they no longer do business with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo wrongfully denied a modification because : They said you had to be in default to qualify ( which I do n't ) ; There was a change in circumstances because I lost one of my jobs that they did n't consider.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Approximately 6 months ago, my employers payroll account was hacked into and stolen all of our personal information was stolen. Identity theft has several accounts open. One was thru Navy FCU. I called several times to have this account closed due to identity theft. Everytime I spoke with someone about it, supposedly they closed the account and they were going to send out an affidavit to complete and send back ( never received ). Last call was one month ago about this situation. And I am still receiving monthly statements in the mail and have not received the affidavit. Also when this account was open, it put a hard hit on my credit score. Not happy. If I closed an account esp due to identity theft, I should not have to call every month when I receive a monthly statement to find out it HAS not been closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I 've been a Wells Fargo checking account holder since XX/XX/XXXX. Never 1 NSF overdraft, late payment, or negative notice on my account. Without notice or warning I learned today my account was put on hold for review on XX/XX/XXXX and will be closed effective on XX/XX/XXXX while I have no access to my funds Wells Fargo put a hold on my posted funds of over ( {$5000.00} ). This was all done with any explanation for the account closure. There is a rule in the law that basically says that when two parties are bound by a contract, and only one of the two has written the contract, then they MAY NOT interpret it to their own benefit outside the express written language of the contract. Wells Fargo has done just that, and they are now holding my funds. Please investigate. Attached is my XX/XX/XXXX to XX/XX/XXXX statement. Total account balance is {$5200.00} as of XX/XX/XXXX. 


Thank you, CF

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 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union froze my accounts and told me several untrue statements in regards to my account ( checking and credit cards ) so I decided to file a bankruptcy. The statements they told me were untrue and caused significant harm to my credit and life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Fraud occurred on my credit card and I was alerted by Wells Fargo and issued a new card. However when I got the new card they put the fraudulent transaction back on the new card. I have called and called to ask them to take the charges off but it never happens. This happened in XXXX and I still can not get it fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has taken of {$5000.00} from me in " fees '' since XX/XX/2016 ... about XXXX % of my yearly income has been taken by Wells Fargo in " fees ''. Wells Fargo has just recently taken {$1200.00} from me in " fees '' from XX/XX/XXXX to XX/XX/XXXX. XXXX separate instances of {$35.00} " fees ''. That is equal to my bi-weekly paycheck. During this time a Wells Fargo ATM jammed, holding half of my deposit and freezing the ATM. I told Wells Fargo and they adjusted, then reversed the adjustment on my account without warning, making it impossible to know the balance ... and then charged more fees. A few weeks later Wells Fargo froze my account, not allowing me to make deposits at ATM 's and not explaining why. Without the deposits, i could not pay bills, causing me to lose my health insurance and make other bills late ... Wells Fargo sent a letter 3 days after the hold as a " notification '' ... and all the while charged more fees. I made a {$1000.00} deposit and Wells Fargo held it for over a week. When I called the branch they said " because I had incurred so many fees they were holding the deposit because they thought it may not clear?! I explained this was a check from my father ( with the same last name and who was willing to call the bank!! ). They instead just rudely hung up on my and continued to charge me fees..though I did n't randomly get a phone call from a Wells Fargo employee days later saying they changed their mind and released the funds??? More of my money has been taken by Wells Fargo in " fees '' then has gone to any other single business entity. I have been financially ruined and my credit destroyed ... I work hard, around 60 hours a week and have me crushed by this bank and do not know what 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 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I visited the Wells Fargo Bank location at XXXX XXXX XXXX in XXXX to request a duplicate debit card for my checking account. Without my approval or authorization a new checking account was opened under my name. I work two jobs and was unable to revisit the branch for many months. Between the time I originally visited the branch at XXXX in XXXX and the time I was able to stop at another Wells Fargo Bank branch at XXXX XXXX XXXX XXXX XXXX, the account that was opened without my permission incurred XXXX in fees. I provided to the banker at the XXXX & XXXX XXXX XXXX branch of Wells Fargo printouts of the history of the account showing I NEVER used the account. I also indicated I did not authorize the new account to be opened in my name and did not want the account. The banker took the printout to who I was told was a manager and a portion of the fees were refunded but not all of the fees.

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 2016-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
After I was terminated by my former employer. The moment my credit card/mortgage with Navy Federal Credit Union fell behind, they completely locked out my online access/phone access to all my accounts. I never received, or was able to access ANY statements for any account. I was enrolled in multiple automatic debits, and paperless statements from my account to numerous other payees. With no access I was unable to find out all the automatic debits to be paid by any account. This caused several automatic debit to bounce and overdraft fees added. This went on for several months, never once did I receive a statement, regardless of how many phone calls I made. I was more focusing on the fact my only source of income was my XXXX, which they decided to use any way they wanted without any regard for the law. The only time I was able to get a statement of my accounts and effectively shut off all the automatic debits. I had to drive over XXXX miles XXXX way, to the nearest branch in XXXX, TX. When I confronted the branch manager about the money they took illegally, she simply stated " I will see that letter, when I see it. '' That is another issue that I will be dealing with. I HAVE NOTICED THEY HAVE CHANGED THEIR ONLINE ACCESS POLICY. You still have access to statements even if you are behind on payments. XXXX more thing, every time I called to request a statement during that time period, the phone call went directly to the collections department who stated they were unable to request a statement for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My complaint is not about a lender. It is actually about the verbiage the CFPB created with regards to the FCRA. On page XXXX. The section about sharing a credit report with a consumer. FCRA says a lender can not share a credit report at all with a consumer unless an adverse action is taken by the lender. Problem this creates is that the lender needs multiple things addressed up front that appear on the credit report. This leaves the only method of communicating to ask the borrower to explain late payments, a list of inquiries and a list of addresses as verbal only. Many borrowers just ask to have the list of requirements of explanations to be emailed to them so they can review them and explain them. But the FCRA prohibits this. This is not consumer centric or friendly at all. Is there something in the FCRA that allows a lender to openly communicate in writing with the borrower about these items? Not looking to give the borrower a copy of the credit report but can cutting and pasting or retyping the areas of concern from the credit report be permissible. I only read what I saw on page XXXX with regards to this topic. I have been in the industry for 35 years and with my current employer ( lender ) for 22 years. I am confident while my employer follows the letter of the law other smaller lenders are sharing parts of the credit report with the borrowers with no issues. So my question is what can we do other than just try and communicate this verbally with borrowers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My bank statements clearly show that I paid my mortgage on-time each month, however ; America 's Servicing Company is reporting late payments despite several disputes in which I provided documentation to prove that my payments were on-time. I opened my bank account in XXXX XXXX and have attached the bank statement showing auto-deduction of my monthly mortgage payment in the amount of {$500.00} ( which included a small over-payment since my monthly payment was actually only {$480.00} ) from XXXX XXXX to XXXX XXXX, when the mortgage account was sold to another lender. I did not miss a single payment ( I even paid an extra {$500.00} payment in XXXX XXXX so it is n't possible that I became 30 days late in XXXX XXXX as shown in the attached credit report.

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 2016-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank Attn : XXXX, Texas XXXX XXXX Wells Fargo Bank Corporate XXXX, CA XXXX XXXX Re : XXXX, Estate of XXXX, Account no. XXXX Dear XXXX, On XX/XX/XXXX, my son XXXX opened what he was told was an estate account with your XXXX, Texas branch, XXXX, TX XXXX. After making several deposits and withdraws from said account, someone within your organization on XX/XX/XXXX discovered that the account was mistakenly opened by a branch representative from said branch, as a business account ; the result of said discovery lead to your organization freezing all account assets, totaling {$4800.00} ( please see attached bank statement ) On XX/XX/XXXX, your organization decided to close the account without ever notifying my son and or me. To this date [ XX/XX/XXXX ] we have never received the remaining funds in the account, nor were the funds returned to the bank they were collected from via deposits made to your bank. We have not received any explanation from your organization, other than an account named, " Estate of XXXX '' was mistakenly opened as a business rather than an estate account. 
During the past two years I have received nothing but lies from people in your organization, including the XXXX branch manager, XXXX. You are illegally holding money that belongs to the Estate of XXXX-my wife and XXXX mother. 
Despite numerous letters to your organization, we have received nothing but lies, including being told that your organization had no record of the account to the most recent lie, when I was lied to by XXXX 11 days ago that you would be " sending me a letter within 3-4 days. '' You are hereby notified that you have 72 hours to return our money, {$4800.00}. Your organizations prevarications and refusing to return funds that do not belong to your organization, will no longer be tolerated. Be assured that we are willing to go to whatever must be done to both receive the money you owe us and punish your organization for your dishonest business practices. 

Sincerely, XXXX, Texas 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