vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I found that Wells Fargo paid my spring taxes 5 months late and in addition, paid a late fee of {$82.00} from my escrow. I have requested several times since XXXX that my mortgage account be credited money due for late fees and a mortgage analysis be completed again. I finally have received the credit ( 3 months later ) but the mortgage analysis needs to be re-calculated, as it did not include XXXX escrow payments that were made in the analysis or the credit. I have tried numerous times to have this resolved ( in person at different bank branches and over the phone with multiple representatives ) and no one at Wells Fargo returns calls or follows through with resolution. After their miscalculations, I want to know the " new '' monthly amount for my mortgage payments in 2016. This is the absolute worst customer service I 've ever experienced and need help to find out an answer. I submitted a formal complaint to the OCC but was informed this type of issue no longer falls under their jurisdiction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have a Wells Fargo Home XXXX XXXX loan which is due the XXXX of the month. My XXXX payment was due on XXXX XXXX and my payroll direct deposit was XXXX XXXX. I scheduled my payment via Wells Fargo online system for XXXX, XXXX when funds would be available to cover the {$100.00} payment. 

When I received my statement several days later I found that I had been assessed a {$35.00} late fee, which has increased the XXXX payment to {$130.00}. When I call to ask why a late fee was assessed for a payment that was made 2 days past the due date I was told that Wells Fargo does not offer grace payment periods. When pushed further as to why, no explanation was given other than they do n't. The representative said Wells Fargo would give me a one time credit, but it requires me to still pay the {$100.00} plus the {$35.00}. The {$35.00} will then be credited to the outstanding balance. So I still have to come out of pocket for the {$35.00} late fee. 

I have never known a card or loan company not to have any type of payment grace period. Even my mortgage has a 15 day grace period. I feel that Wells Fargo is bilking their customers, and they should be made to stop this practice. Even if all they established was a 5 day grace period, that would be reasonableand fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XX/XX/2015 Wells Fargo and I were working on a loan mod for my mortgage. I was told by their representative that " all collection activities were suspended. '' Wells Fargo continued these activities by attempting to serve me with a foreclosure complaint while under this suspension. I returned these documents to Wells Fargo and their lawyers but they continued the process. I believe they lied to me in order to hasten the foreclosure by getting a default judgment.

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 2016-10-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Hi, I was enrolled in the Wells Fargo Go Far Rewards program to earn bonus points on purchases. On my billing day, without any notification or explanation, they closed the account and forfeited all my points earned totaling {$930.00} in XXXX 2016. I filed a complain online, after waiting for some time, they requested a phone call. After I called and spoke to two different people on XXXX/XXXX/2016, they had no idea either regarding the closure of my credit card account or the forfeiture of my points. They said to wait for correspondence from their corporate office.

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 2017-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I went to my local bank, wells fargo to make a deposit of {$1900.00} to pay my rent, low and behold they tell me business and personal accounts were just closed on XXXX XXXX 2017, i would have to pay any fees to fix the situation, it cost me around {$500.00} and the accounts would be reopened in a mater of mins, well i gave the teller the {$1900.00} and she began to make the deosit on her computor, then she called the back manager to ok everything, well turns out the accounts were never opened and i lost all that money, i waited a day rechecked my account and nothing, i walked into the bank that next morning and they told me they ca n't help me! still 5 days later, nothing, i spent the entire weekend trying to resolve this by phone and internet.i got nowhere. this all happened at the XXXX Branch on XXXX XXXX in Ct .The only thing i walked out of was the reciept for this entire transaction.

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 2016-08-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I took out a loan of {$2600.00} from CASH NET USA with a payment of {$450.00} per month and an interest rate of 185.76 %. I am retired, XXXX years old and on a fixed income. I can no longer make these high payments. I have attempted three times to set up a payment plan with CASH NET USA and they have refused to work with me. 
I borrowed {$2600.00}, have paid {$910.00} to date and my balance as of XXXX/XXXX/16 is {$3100.00}. 
I am asking for a payment plan that calls for a payment of {$50.00} per month with no further accrual of interest. I will then be able to pay the account off over a series of months. 
Please intervene for me to set up a payment plan that I can afford. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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:
I was a victim of this Wells Fargo matter : http : XXXX XXXX Wells Fargo banker named XXXX ran my credit without my permission to open a business line of credit. As a result, a credit inquiry was charged against my credit report ( s ). I called Wells Fargo shortly after this happened, and Wells Fargo stated that they were unable to remove the unauthorized credit inquiry from my credit report ( s ).

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 2015-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I purchased my home in XX/XX/XXXX under a XXXX % loan option offered through XXXX XXXX. Because I had no downpayment I was told I would pay PMI, private mortgage insurance, until I had payed my loan down by XXXX % of the home 's value. My loan was for {$140000.00} but the house was appraised at {$150000.00} so I was told if I paid it down to {$120000.00} ( the equivalent of {$30000.00} down ) the PMI would be dropped. 

My loan was sold to Wells Fargo home mortgage in XX/XX/XXXX but the parameters of my original loan stayed the same. In XX/XX/XXXX I was able to take advantage of lower interests rates and refinance my home under what was marketed to me as a NO APPRAISAL loan. I even have documentation from the mortgage consultant that states WE REQUIRE NO APPRAISAL AT THIS TIME. Because of the refinance, I have been able to more aggressively pay down my mortgage and have finally reached the magic number ; {$120000.00}. I called Wells Fargo to negotiate the terms of dropping my PMI and I was told by the representative that I was not eligible due to my home 's value. I asked her to clarify, as I HAVE A COPY OF THE ORIGINAL APPRAISAL that says my home is worth {$150000.00}. She explained that she had no record of my home 's value prior to XX/XX/XXXX, when they " pulled comps '' during my refinance and reappraised my home for {$110000.00}. 
In XX/XX/XXXX no one ever came to my house to view the property for appraisal. In fact, no one even called. Wells Fargo did not ask me if I had made any improvements to the property ( which I had ) and every time I call I get a different answer from a different person. Well 's Fargo has committing fraud by lying about the perimeters of the refinance and offering an appraisal value of a home THEY DID NOT EVEN LOOK AT. What they are doing is wrong and I feel frustrated, taken advantage of and lied too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I open an accouny with dillards onXXXXXXXX made a payment on XXXX and they still send me a bill with a late fee. Saying i paid my bill too early. The penalized me for paying early.

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 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am reaching out in need of assistance to save my home. My mortgage company is Wells Fargo and I am behind in my payments. I have a foreclosure sale scheduled on XXXX/XXXX/16 and need help stopping it. They are in the process of reviewing me for a loan modification and I have provided all the paperwork they requested. Your assistance is greatly appreciated.

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

Complaint narrative:
Wells Fargo does not allow me to make additional principal payment from the first of the month to the final due date of XXXX of the month. I have to make the principal payment almost ( at least ) 15 days before and it is interest free for them. That is another fraud by Wells Fargo.

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 2015-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
borrower requested short sale approval for XXXX lien with Navy Federal Credit Union and can not get response since XXXX/XXXX/15. when I spoke to XXXX of the NFCU loss mitigation reps I was told that they would not accept the XXXX offered for the settlement and would pursue the borrower XXXX for the deficiency, and that their normal business practice is to wait until the XXXX trust approval is close to expiration hoping that agents and buyers will become frantic and pay them more than the initial offering. this particular sale is a VA compromise sale and the XXXX lien holder was offering them XXXX the buyer has offered some and I have offered commission to get them XXXX and we can not get a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In XX/XX/XXXX my husband and I were approved for a Modification on our XXXX mortgage for our primary residence. The XX/XX/XXXX Modification got rid of our payment for our XXXX mortgage. Throughout the winter of XXXX we had trouble making our mortgage payments, I have been in continuous contact with ASC ( Wells Fargo ) starting around XX/XX/XXXX until now ; keeping them informed of our situation and when we would be able to make payments. In XX/XX/XXXX ASC sent us a Modification Application Packet to fill out and return. We filled out the paperwork, but did not return it as it stated " If you 're modifying a mortgage that has been previously modified, we need to let you know that if you proceed with a new Trial Period Plan or modification your existing terms may be impacted. '' I have a very important question regarding this statement and do not want to proceed with the modification application until this question can be answered ( I do not want our existing modification terms to be affected if we fill out and are approved for a new modification ). I attempted to contact our home preservation specialist ( XXXX XXXX XXXX XXXX ) at ASC for XXXX months. At XXXX point during that XXXX months, I called her directly everyday for XXXX weeks straight, she never answered or called me back. I also spoke with customer service at ASC many, many times. I asked them my question and they told me that the only person who can answer that question is our specialist for our file. ASC 's customer service people attempted several times to contact our specialist via Instant Message, e-mail and phone calls, while I waited on hold ; she never answered or returned their requests either. Last week we received a letter in the mail from ASC 's attorneys ( XXXX XXXX XXXX XXXX ). This letter stated that they are representing ASC in the foreclosure of our home. I called ASC once again. The person that answered the phone at ASC informed me that we have XXXX options : We can pay the past due balance to reinstate the loan, or we can apply for a modification. I told her I want to apply for a modification ; she informed me that the only person who can do that for me is our specialist ( XXXX XXXX ). Once again, the customer service person tried to contact XXXX ; she never answered or returned the request for communication during the XXXX and a XXXX that I was on the phone with customer service. Since I received this letter on XX/XX/XXXX I have called ASC XXXX times and have been unable to reach XXXX. I need to know if this new Modification will affect our first modification, a question that everybody at ASC is telling me that only XXXX can answer. Also, ASC customer service is telling me that XXXX is the only person whom I can speak with to proceed with the new modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To whom it may concern, On XXXX/XXXX/2016 I setup a one time on line payment of {$300.00} to make a payment on my credit card which is a Wells Fargo card. The payment was scheduled for XXXX/XXXX/2016 with a due date of XXXX/XXXX/2016. 
I logged into my account XXXX/XXXX/2016 to confirm the transaction and noticed Well Fargo withdraw {$600.00} from my checking account. Transactions XXXX and XXXX. 
I called and spoke with XXXX XXXX and was told Wells Fargo can not do anything until the transactions post and that I should call XXXX/XXXX/2016 to receive my {$300.00}. 
I asked how did this happen to which she replied, I do n't know, but can see that I setup just XXXX {$300.00} transaction. The horror began when I called back on XXXX/XXXX/2016. 
I was told by a manager, XXXX, I believe her name to be. I was told XXXX transaction will be reversed, but will have to wait up to10 business days for my funds to be returned to my XXXX bank account. Without any doubt in my mind had the bank inadvertently given me {$300.00} the funds would have been immediately withdrawn from my account that day. 
I explained I need the money to pay electric, water, phone, insurances bills etc. etc. XXXX reply was there is NO other option she could afford me and that I have to wait. That alone is atrocious. Being a husband and father of XXXX children, the cash was truly needed. With today 's technology I 'm sure the money could have been returned immediately. Or perhaps all banks work in this fashion, I do n't know. 
Essentially, Wells Fargo, in my opinion stole {$300.00} from my banking account without my permission, have no reasonable explanation as to how it happen and I have no option but to wait up to 10 days for my money. 
I placed my trust in Wells Fargo and was deceived as they basically turned around and as I feel stole from my account and forced XXXX option down my throat, wait for your money. 
Wells Fargo blatantly took my {$300.00} from my account and I 'm forced to wait up to ten days for Wells Fargo to return my money. I guess you can call it a small loan. If Wells Fargo did this to XXXX people over a ten day span which is easy to do, for I 'm proof of that, that would amount to a small loan of {>= $1,000,000}. Imagine what you could do with that amount of money of a 10 day period. 
I believe this practice is unscrupulous and turns innocent people such as myself into victims. 
Under no circumstances should this have ever happened and to hear Wells Fargo explain they have no reasonable explanation is absurd. 
I 'm writing this letter asking the banking committee to investigate this matter and put an end to this ridiculous 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 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To Whom it may concern, my name is XXXX XXXX, my mailing address is XXXX XXXX XXXX XXXX XXXX. My phone number is XXXX and the email address is XXXXXXXXXXXX. This complaint is against Wells Fargo, my active checking, account number is XXXX and an inactive checking account XXXX. 
My problems started back in XXXX of 2015, XXXX XXXX or XXXX ( i dont know her last name because she said she didnt have to provide it. ) She told me that I came in the branch on XXXX and XXXX and made a withdrawal of XXXX. After many attempts of trying to talk to XXXX XXXX to no avail, I also attempted to talk to XXXX XXXX at the Advisory Department on XXXX, and she informed me that she had talked to XXXX and this was a cash withdrawal and i would have to speak with her. XXXX XXXX called me on my phone and informed me, '' It 's not my job to keep up with your money. If you do n't know how to do your online banking, that 's not my fault. You had your Niece to come in and make a cash withdrawal and hung the phone up in my face. '' I asked her if i came into your institution, allow me see the film, in which she stated that " she did n't have to '' show me anything and closed my account and told me to leave the bank. 

Back in XXXX of 2015 ( I 've faxed all the information claim number:XXXX ), Wells Fargo ran several payments to XXXX 1 . {$92.00} 2. XXXX and 3. {$140.00}. I received a letter from Wells Fargo 's Fraud Department accepting blame. ( letter also faxed to you. ) All of my services have been disconnected for nonpayment of services. Well Fargo is saying that it 's been paid, but they will not show me where it was paid or where my account was credited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was given a postponement day on my auction trustee date in XXXX they postpone it till XXXX XXXX under the understanding to sell home to pay my FHA loan to Wells Fargo I had a buyer qualified and contract witch they received, title company in process. Buyer sold their home to buy mine. Bank denied time for escrow to close and sold my house today in auction. Do n't understand I spent money to fix home and am on XXXX currently. I just want to payoff my loan, so I could buy a home for me and my XXXX grandkids. Was denied modification and was forced to sell 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 explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HONOR FINANCE, LLC
State: WI

Complaint narrative:
obtained loan from Honor Finance for vehicle in XX/XX/XXXX. made payments monthly up until XX/XX/XXXX when their website told me I did not owe anything on loan. I wrote numerous letters and they did not respond until the middle of XX/XX/XXXX when I sent a certified letter at which time they told me I owed a payoff amount for the account for XXXX amount and 10 days later it would be a different amount. We never got bills or statements from this company even when we requested them. we had no idea what was going on with our loan or where we were at with payments. I sent them a letter stating that we were not going to pay additional interest due to their lack of response to all our previous letters and their lack of providing us as consumers information regarding our loan status at any time during our loan even when requested. They then sent a letter certified stating we owed yet a different amount and that they were going to repossess our vehicle without any need to go to court, but if we wanted to go to court we had to let them know in 15 days. Due to their lack in providing us as consumers the information we requested regarding our loan they prevented us from knowing balances on the loan, breakdown of payments, how many payments were left, when payments were processed vs when they were sent/made, etc. We sent letters every other month since the beginning of the loan and only once received a response and the statement we requestedTheir practices and business has kept us in the dark and with no information regarding our loan for the duration of the loan. In letters we sent it stated that all communication was to be writting and they were not to call, yet someone I know called to say that they were getting up to XXXX phone calls a day from Honor Finance who was also providing info about us that violated our legal rights. Even if they contacted us via phone I believe they are only able to call once a day.

Company response to consumer: Closed with explanation