vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello ; I spoke with representative with Wells Fargo bank. 
Complained about being charged a late fee, when had made all payments on time. 
Lady said she would pull up my account, then came back, said she could fixe the problem & as long as made on time, there would be no more additional charges. Said she would remove the additional charges, said that it would show up on my next statement. 
None of those things happened!! 
Additional charges still there, charged me with more charges because they said I did n't pay the additional charges. 
Complained several time & nothing happens!! 
Cant believe anything they say!!

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 2017-01-23 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Disputed both online and XXXX number but both paths ran into errors on site and representative unable to process dispute. Online dispute stopped at step 1 with error a support evidenced attached. Representative attempted to defer and re-direct to a new department. That department was XXXX. Requested an escalation but XXXX XXXX only was listening in the background and did not announce herself. Stayed on hold for 1/2 hour and was finally transferred from XXXX to Supervisor XXXX .also XXXX deferred back to XXXX to escalate and stayed on hold for 50 minutes on hold and still no escalation. Finally a very rude XXXX from Customer Service and Office of the Executive kept prying into reason for transaction and only wanted to ask the nature of purchases. I explained a similar transaction from same vendor on XXXX/XXXX/16 and gave concrete example of no fee charged but XXXX could not provide an explanation. Requesting full refund of and and fees charged by Wells Fargo on this account. Internal case # with Wells Fargo is XXXX but XXXX ended recorded call with " we are not reversing any fees. '' XXXX essentially stated the they would do NO research and had already judgement on a flawed service where company charges arbitrary fees on unsuspecting customers. 

Next steps

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 2016-12-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX : XXXX # XXXX & XXXX XXXX 
Wells Fargo Mortgage have been billing us in error during the Chapter XXXX bankruptcy XXXX NO : XXXX. The recurring monthly billing statement ( see attached Statement ) erroneously indicate the account is {$120000.00} in the rear or past due. 
According to the attached Trustee Financial Summary in Case NO : XXXX total of {$80000.00} was paid to Wells Fargo Mortgage which has not been credited to our account. The fraudulently file a Notice of XXXX on or about XX/XX/2016 claiming we owe {$120000.00}. Wells Fargo Mortgage XXXX XXXX XXXX XXXX filed a False Declaration of Compliance in XXXX certified under penalty of perjury to the XXXX XXXX XXXX XXXX to fraudulent initiate Notice of Default and Election To Sell Under Deed of Trust filed on XX/XX/2016 with the XXXX Recorder Trustee Sale # XXXX. 
Wells Fargo Mortgage is also in violation Pursuant to California Homeowner Bill of Rights, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX. XXXX. XX/XX/XXXX ) & CFPB rules, effective XX/XX/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 2016-12-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX XXXX, 2016 the collection specialist for Wells Fargo bank by the name of XXXX XXXX contacted me in relation to settling and discharging a debt. I emailed XXXX XXXX a copy of a XXXX XXXX dollar bond that I have on file with XXXX and XXXX XXXX finance statement that I have on file with the court. The bond gives me the legal right to set off debt pursuant to IRS XXXX form and the financial accounting standards board law. The bond was accepted on XXXX XXXX, 2016 by the XXXX and was sent by registered mail with return receipt. The XXXX never disputed the bond for the purpose of discharging debts. XXXX XXXX was extremely rude and obnoxious over the phone and made false accusations stating that my bond was erroneous. XXXX XXXX is not in a position to make a determination if the bond is erroneous because he is not a lawyer or judge. In closing, XXXX XXXX refused to fully allow me to explain the purpose of the bond and he hung the phone up on me. XXXX XXXX XXXX phone number is XXXX. XXXX XXXX should not be working at Wells Fargo Bank because he is disrespectful and has a hostile personality trait. Bank representatives are suppose to treat there clients with the upmost respect regardless of their disagreements with customers.

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 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I started a refinance with Wells Fargo in XX/XX/XXXX. Everything was going good I was told in writing ( email ) that I was locked in a XXXX % for my interest rate. Long story short, week after week of checking in and making sure the refi was on track, I get a letter in the mail ( XX/XX/XXXX ) stating that my interest rate is XXXX % and my monthly payment is way more then what was discussed. I exhaust my resources with the local branch and turned to the National escalation team. Even the fact that I have it written that I was locked in at XXXX Wells Fargo is now telling me the best they can do is XXXX %. I talked it over with my local branch and they tell me with the rate at XXXX my payment would be XXXX, I was ok with that but XXXX min later I get an email saying that is not the case. So I call and now they say my payment will be XXXX. At this time XXXX XX/XX/2016 no one will return my phone calls. No one seems to be able to help me get the answers I need. There has been a lot of bait and switch with numbers and I feel like I do n't know which direction to go.

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 2016-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have a problem getting statements mailed because Wells Fargo wants everyone to subscribe to online. When I am out of town I change delivery preferences to online to pickup the statement to make sure my balance is correct. That change is immediate because Wells Fargo will not allow viewing the statement with the preference of US Mail. When I change it back to US Mail I do not receive statements because Wells Fargo says there is a 30 day delay with that change. This is a man made delay because that 30 day delay is a recent problem because this did not start happening until sometime last year. They are happy to mail a statement with a fee of {$5.00} that they will waive if I call and complain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: J.S Resolution Group, Inc.
State: TX

Complaint narrative:
My family received a call from someone for me call them or legal action would be taken. I called back and spoke to a rep who did provide details of a payday loan that was closed in 2006. I stated I wanted a written notice of the debt and collection. He said I could only have one emailed or faxed to me. I asked to speak to his manager and he refused. I asked to have my family 's contact information taken off record and he refused. I did request my full credit report from all three reports and none of them have this debt as open or in collections. This debt was reported paid. This company is frauduelently contacting me for payment on a debt which is no longer owed. They have threatened legal action against me and used harrassment tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We applied with Keep Your Home California ( KYHC ) hardest hit fund for assistance with foreclosure. We were approved on XXXX XXXX, 2016 for the Mortgage Reinstatement Program to bring us current on our payments. Wells Fargo received the funds from ( KYHC ) on XXXX XXXX, 2016. They mailed us a statement to make our XXXX payment. On the statement it gives different payment options. By phone is XXXX option that we tried and their system would n't allow it. Taking the payment to any local branch is another option that we tried on Wednesday XXXX/XXXX/16 and it was blocked from making a payment. The branch manager called them on the phone and was given the run around. They finally put a rep on the line to speak to me. She stated that the hold on the account would be removed on Friday XXXX/XXXX/16 to make my payment by phone or come into the branch to make my payment. I came back on Friday and again could not make my payment. The manager assisted me again and placed a call to them. It was a long wait before they got somebody to speak to me. a representative got on the line and referred me to the Trustee, which is the foreclosing agency that has an upcoming scheduled sale date on my property. I informed the Wells Fargo rep that I spoke to them on Wednesday and they told me that they get their instructions from Wells Fargo. I asked her to put a supervisor on and after a very long wait, someone got on the line who said she will look into it and give me a call. We want to be able to make our payments moving forward and keep our home.

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 2016-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
" I esculated the call to the executive office to hear from their representative XXXX XXXX that Wells Fargo is in their right to call anytime after the first of the month as I am technically in default ( delinquent ). This is the first time I have ever been harassed with a collection call on a payment due within the grace period. 

XXXX seemed not to care if I contacted the regulators such as the OCC since the OCC would side with Wells Fargo. Nor was any care about reputational risk from bad media event for harassing a good paying mortgage customer. 

I am asking that this practice of calling customers to collect debt during the grace period stop. ''

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 2016-11-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Update to complaint number XXXX appears to be a duplicate of a complaint we already have on file for you under number XXXX. 
I filed complaints regarding Wells Fargo Surepay service. In the latest letter from Wells, again refusing to refund my funds to me, they included their account disclosures. Under Section 14 " Responsibility for Errors '' there is a clause that indicates they will make 'all reasonable efforts to reverse or delete such instructions '. It goes on to say that the user accepts all responsibility for losses resulting from those errors. 
I do n't think that Wells has acted in good faith in abiding by this section : 1 ) they told me where the money was and gave me the tracking number and the routing number and name of the institution where the money went-so they know where the funds went. Giving me this information does not sound like a good faith effort on their part to 'reverse or delete such instructions ' ; 2 ) I called and asked Wells Fargo to simply reverse the wire transfer and obtain my funds back. They indicated they could not do that. 
Well, their disclosures indicate 'good faith effort ' but their real actions on this were similar to throwing their hands up in the air and doing nothing on my behalf. 
Section XXXX B indicates that payments are not final for 60 days and the member may seek to recover funds during those 60 days. While this applies to payments received by members, it certainly indicates : 1 ) there is a process for recovering payments and 2 ) payments made within 60 days are definitely open to being recovered. I notified Wells within 5 days of the error and have received nothing from them except indications that they can not, or will not, do anything to correct this error.

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 2015-10-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name : XXXX XXXX XXXX, Loan # new # XXXX # XXXX, Wells Fargo home Mortage, I mailed my payment XXXX XXXX, received in XXXX Tx XXXX at XXXX am. deliverered to their XXXX XXXX at XXXX XX/XX/XXXX.I checked my checking acc with XXXX Bank the money still in my account.I phoned this morning and talk to a representative of Wells Fargo named XXXX our conversation finished at XXXX, I asked her to checked and payment has not been credit to the account yet. I have a Modification mortgage my payment can not be late which is on the XXXX of the month.I mailed to the new address as requested : Wells Fargo Home Mortgage, XXXX XXXX, XXXX, Texas XXXX tracking showed it has been delivered on XXXX XX/XX/XXXX.They have done this before to me last year and I had to filed a complain in order for them to fix their mistake and admitted to me. last year the check did not go through the system property and they called me on the XXXX of the month to let me know that they needed it XXXX payment they claimed to silly excuses after two month they admitted that was their mistake that their system did not clear the payment however they never send me back my check, no late fee was charge or any other notice of late payment. This time they change loan numbers and change mailing address for the ones who pay with check trying to force people to get automatic bank payment which is not to my satisfaction or to pay on line, which will expose me to hackers, and me as other XXXX people do not, like that system. Where is my check and why they have not applied the payment of this month that was mailed on XXXX certified XXXX XXXX XXXX XXXX XXXX, and received and delivered to them XXXX XXXX XXXX Wells Fargo Mortgage Company gave a big problem with my Modification twice denied and finally approved on the temporary XX/XX/XXXX, XX/XX/XXXX was finally permanent approved, paying always on time, they want clients to show default in payment to cancelled the Modification. Please help me, Where is my check mailed Certified AND DELIVERED ON XXXX, CHECK # XXXX for {$330.00}? they are holding my check, this is illegal.Someone needs to do something about this Mortgage Company.Thank you. XXXX XXXX XXXX, phone XXXXI need a resolution to this matter as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal continues to report the wrong payment history to XXXX and XXXX. I want a payment history on all accounts. They are reporting I last made a payment to all accounts in XXXX 2010. My records show last payment was XXXX 2010. 

Account numbers ( last XXXX account numbers missing ) : XXXX XXXX XXXX Please send payment history to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2016-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Your submission, [ Case number : XXXX ] I am very disappointed with Wells Fargo 's response, lack of interest, in my complaint that I was a victim of Bait and Switch tactics by Wells Fargo when I went to them 7 years ago when I need a second loan on my house to pay off existing debt and replace my roof! What is my next step in filing a complaint against them? XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union is reporting a credit card collection account on my XXXX credit report that does not belong to me. For a brief time, I had been added to this credit card as an authorized user back in 2010, but the authorized user status was taken off over 6 years ago. I have disputed this account at XXXX several times, but Navy FCU refuses to take it off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I filed bankruptcy in 2010 and lawyer had to include mortgage.I never skipped a payment even though I did not reaffirm, which lawyers apparently do not tell you reaffirm.But my mortgage and second mortgage have stayed on my report.I have since paid off my second mortgage and continuing to pay original mortgage. If the not reaffirming mortgagges is reason, should n't at least the second one be removed, paid as agreed. The remarks do n't reflect what has happened.Account status should open on mortgage and paid as agreed on second mortgage

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, the house that I am currently staying in is going into foreclosure. The main chunk of this problem began when the member of family, also one staying in this house, did not notify me of any form of delinquent payments. They have been stacking up since XXXX of 2015, and I was not made aware of this until last month. It was also the end of last month when we got up the spare money to pay up the delinquent payments. Though the bank refused to accept the money, telling us that the house is being foreclosed upon. 
The reason they do not want to talk to us is because when our mother died intestate, and had no will. Her death was approximately two years ago, I was told that a lawyer was being talked to for probate. However, I do not know how legitimate these claims of my sister are. 
I would like help to get the house payments current, as it is today on XXXX XXXX, 2015 the amount owed is approximately {$2900.00}. I, have a vested interest in keeping the house, where as XXXX of the XXXX of us siblings do not. The third, my elder sister, does not seem to have a vested interest in keeping the property. I will also be consulting a housing counselor to see what can be done. I will also be writing a letter and sending it via certified mail, after obtaining assistance form a counselor. 
I do n't know if it will have this on a later step, but I do make enough money to pay easily up to {$600.00} a month on the mortgage. If there is anything else that needs to be obtained, I am free to be talked to about this matter. I do also have the FHA number that can be given at any time, if necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank Auto Finance agreed to cancel two scheduled payments forXXXX XXXX and XXXX XXXX, 2015 in response to Consumer Financial Protection Bureau case # XXXX. Instead, they collected {$1300.00} through bankadjustment from my Wells Fargo checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We were strung along by Wells Fargo for several month 's while waiting on a loan modification to find out that we can only receive XXXX loan modification over the life of our current loan. We tried to continue making payments to them but all of a sudden they stop accepting them. Then they wanted a lump sum of over XXXX to bring the loan current which we could not provide so they started foreclosure proceeding and have already attached a sale date of our property.

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