vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I would like to reopen case # XXXX. 
I feel I have not been treated fairly by Wells Fargo in regards to loan modification request. 
There response did not answer my questions. 
I will attach my original complaint and my reply to Wells Fargo. 
Please refer to the above case # for Wells Fargo response to my original complaint. They sent a lot of information that avoided my main questions. The information they sent only confirms my conclusion that they could have lowered my home interest rate but just chose not to.

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 2017-01-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to the Well Fargo banks web site to get information on refinancing my current auto load ( Well Fargo web page attached 3.83 % if a banking customer ). When I went to the bank I told them specifically I wanted to # 1 lower my interest rate on my other car loan ( 4.99 % Note : not with WF ) and # 2 also wanted to put more money down to take out a smaller loan amount ( XXXX more down ). I told them my XXXX score was in the low XXXX 's ( Note : I was within XXXX points of what I told when they checked my score online ), I provided the last 2 years of XXXX 's to prove income of over XXXX. I have no debt other than the car loan and own XXXX houses outright. I stayed there at the Well Fargo bank for 3 hours and at the end of the process they came back with a 6.6 % APR on a loan of XXXX. They told me I needed a XXXX score in the XXXX 's to get the web 's lowest advertised rate. One would think that before they financially damaged me by lowering my credit score ( credit check ) to do the application they would have said I needed an XXXX+ XXXX score to get the false advertised rate that XXXX could n't meet the criteria for. I believe that the ad saying " must have excellent credit '' is totally misleading and should state the XXXX score they are looking for. I feel that it was like a bate and switch scheme to get you to come in so that they can sell you a product that does fit your needs or goals, even when you tell them upfront what you are looking for. Plus they did financial damage by lowering my XXXX score for this waste of time! They could have given me an answer within 30 minutes that my XXXX did n't meet their criteria for a lower rate than what I had. Well Fargo seems to have reboots that just punch numbers into the computer without knowing the product they are selling nor what the underwriting department is looking for in terms of a simple XXXX score. They should have a simply computer worksheet to plug in the numbers to get an estimated quote without checking you credit first or going thru the complete application process. People that come in to refinance are not there to get hidden higher rates as WF tried with myself ; a smaller loan with a high 6.6 % rate I do n't win there yes lower monthly payment due to me taking out a smaller loan but higher interest ; I end up paying more in the long run ( very deceptive practice ) if you are not savvy to catch 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 2015-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank Changed the Routing Numbers without any notication causing my car payment made online to be returnded causing late payment fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX - During my settlement on my current home address, my HUD-1 statement reflected prorated amount escrowed to Wells Fargo for my personal XXXX property insurance. 

XX/XX/XXXX - Received a notice from my XXXX insurance company ( XXXX ) that Wells Fargo did not pay my renewal for effective coverage to begin XXXX/XXXX/XXXX. 

XX/XX/XXXX - Executed several calls and spoke to various departments, staff, executive level at Wells Fargo to resolve with little coordination or progress. 

XX/XX/XXXX - To date, Wells Fargo has assigned a case worker who continually requests extensions to review my case for resolution since XX/XX/XXXX. In the interim, I have no coverage on my personal belongings, etc. from XXXX. In addition, I 've not been reimbursed for the duplicate payment made during my XX/XX/XXXX settlement for " utility assessment '' fee ( see attached email )

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 2015-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made after this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have requested information regarding my credit card account being abruptly closed and I was contacted by a representative stating that my dispute would be resolved and I have never heard back from this representative. I am eager to resolve this matter as it is reporting negatively on my 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 2016-06-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was depositing a XXXX Bank check ( made out to me ) at my Wells Fargo Bank branch on XXXX XXXX in XXXX, WA. I 'm a long standing customer with WFB, have XXXX thousands of $ s in my acct., a WFB visa card ( in excellent standing ) and a safe deposit box. The teller in question has seen me conducting business several times in the branch. As I was depositing my check ( no cash back requested ), she " XXXX '' asked me : how did you come to have this check? I told her that was " private info '' and she only said : I 'm just making conversation. No mention from her about needing to ask me for " bank '' reasons, just " making conversation ''. I called the branch mgr. who seemed oblivious to the highly inappropriate and unprofessional action her teller had taken towards me. Later, something occurred to me. I 'm XXXX XXXX and she is XXXX. I believe she " profiled '' me as someone to watch out for, to be suspicious of, leading her to ask me " how " I '' got the check from XXXX bank. She should be " officially '' reprimanded.

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 2016-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XXXX, 2015 I opened another Wells Fargo account to be able to cash a grant check to be issued later from XXXX University, as Wells Fargo issued my grant check before with XXXX University, I assume all higher education uses this bank. I opened my bank account with # XXXX, under the assumption that the fraud alert I placed with Wells Fargo was complete & I was issued my money back because Wells Fargo never paid XXXX which was on my credit report until I filed various complaint with FTC, CFPB & FCC. Today I received my debit card & could n't activate it. After calling to see why I was told I owe the bank. I just left the bank & was told by the teller my account is open, but when she tried activating my card she saw a stop on my account & that it was closed. XXXX XXXX States they never received payment & closed my contract which destroyed my credit & now Wells Fargo is issuing another report to credit bureaus about my account their own fraud department issued a credit & found fault on their end & now is claiming that the credit was denied after I was allowed to close my account. I was told at the bank to call another number to get things straightened out & when I called this XXXX number the woman stated same thing without correcting my account & she was in the claims department & wanted me to call another claims number to make Wells Fargo more pay per call & click/impression money! So this is why I am filing complaint again, which is to investigate Wells Fargo & XXXX XXXX banking tactics if you will? Because I just opened an account Monday with {$100.00} & have been lied to again & ripped off! 

Thank you! 

From : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, N.C. 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 monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had noticed on my consumer report " XXXX XXXX '' that there was an account reporting on my name at Wells Fargo Bank. I went to my nearest branch and banker there gave the number to their " Identity Theft Department '' I contacted them and filed a report as a police report. I also had to speak with their fraud department and executive office which I interacted with some rude people who blame me for this accounts and completely disrespected me on the phone. 

I got a letter in the mail from their " Identity theft department '' that stated they cleared the matter, then I got another letter that stated they reversed that decision and will continue to hold me responsible for those accounts. 

This is clearly an unacceptable behavior from this bank that thinks they can do anything they want to poople. It is my preference not to resort to taking legal action against this bank and would like to have my name and information deleted from this bank 's systems as I had not authorized them to open my account nor collected my information. I had already suffered great injury from Wells Fargo Bank reporting my information to consumer 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 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in XXXX account XXXX 1. Balance amount due is XXXX, and charge off amount is XXXX Account reports no payment history in prior to XXXX 2. Payment history reflects paid in XXXX XXXX however first delinquency reported as XXXX XXXX in account notes. 
3. First major delinquency reported as XXXX however payment history reports charge off in prior months begging in XXXX XXXX. 
4. No payment history prior to XXXX however account was open in 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 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX I called wells Fargo bank about a ACH transaction that was scheduled to hit my account however I was not able to see it so I wanted to confirm that it was not returned and will be paid, The customer agent confirmed that just like me she could not see anything pending on my account and assured that my deposit had gone through already as of XXXX so I should have enough funds to cover the transaction when submitted. I checked my balance all day and everything was fine and suddenly late afternoon I saw that the transaction was processed first before my deposit and the bank charged me a {$35.00} NSF fee. I called them and asked why they would process this transaction first and why was n't it showing as pending before, why the customer agent assured me that no fees will be assessed the agent replied and said that this transaction was actually submitted on the XXXX. I replied that this could not be true because their own customer agent could not locate it in their system, then he told me that we can still process it by noon the next day and charge you a fee if necessary. I replied that it was about XXXX when I saw the transaction post and that did check at XXXX XXXX and nothing was there so even the cutoff time was not accurate. last but not least I told him that I have a limited checking account that does not allow for overdraft to begin with so why would they break their own rules and pay this item instead of returning it as they were supposed to. he could not help he transferred me a another department called executive customer care who opened a case ( case number XXXX ) promised to review the recording and see what the agents promised then call me within one business day with a resolution but I never heard from them. I believe this bank continue to pray on certain groups of people. they have unfair business practices especially how they process transactions to benefit themselves and hot customers with unnecessary fees. this is again biased unfair and they can not continue take advantage of consumers and steal their hard earned money which they were already found guilty of doing. I 'm planning on closing this bank account, tell my friends and colleagues but I need to recover the amount they stole from my account prior to doing that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo Bank paid XXXX transactions while my checking account was overdrawn over the course of 4 days : charging {$170.00}, then refused to negotiate any courtesy waivers. I closed the account and later opened another. When I explained my situation, the branch manager was sympathetic and assured me that she would help me avoid a similar experience. Wells Fargo later seized the funds from this account toward fees charged on the other account. Then the bank proceeded to overdraw the account by charging fees the following month.

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 2016-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I entered into a Home modification loan to enable me to keep my home. I had rented my home out and had a hard time getting my tenants to move including taking them to court, so the house payment was not made for 2 years. I was going to just give the house back to Wells Fargo but decided to keep it and do this modification. In the long run it went thru but they said by the time they tacked on the fees and interest etc, my new loan was going to be for {$230000.00}, how can this be? The house is not a XXXX home. Can someone explain if I got took or not?

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 2016-10-14 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am assisting XXXX who had an account with XXXX in 1985 which she had forgotten about. Recently she came across a copy of a statement made several calls to be told that the account was taken over by Wells Fargo or sent to unclaimed funds. I have tried to track this down but am not getting very far. The account name was in XXXX name XXXX for XXXX. The address at that time was XXXX account # was XXXX XXXX XXXX XXXX. The last XXXX of her SS # XXXX. I would greatly appreciate any guidance you can provide as she is a XXXX that could certainly use the extra monies. 
I can be reached at XXXX XXXX. XXXX now resides in XXXX she can be reached at XXXX. My e mail is XXXX. Thanking you in advance. 
Sincerely, 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 2016-10-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
Wells Fargo opened a line of credit account in my name without my consent. I have been on the phone with them for hours over the past few months trying to close out all accounts with them. Their phone representatives tell me the accounts have been closed but I keep getting statements for a line of credit stating the balance ( which is XXXX ) and the available credit I have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
As a Wells Fargo Business Client - I requested information on options for my company. I was asked to validate annual sales and deposits - instead of a structured solution - the Wells Fargo representative XXXXXXXXXXXX pulled my credit and declined the loan without a structure, a consultation, or worse yet - he did this without my written, verbal, or electronic permission. I stated in the email response to him that I wanted a structured idea of what i needed to do - I am am LLC that might switch to an XXXX XXXX, I have {$120000.00} in home equity and wanted to start a line of credit for my 8 year old company. I asked for options and this over zealous loan officer broke the trust and the law by making an unauthorized application in my name/company name. 

I complained to the bank and got the run around that it was a misunderstanding and that they were sorry i was mad. 

The reason for this attempt is that I am a US Based Small business - we have never bounced a check, never had a complaint and when Wells Fargo turned us down two years ago for a line of credit, we opened a Junk Mail and applied for a line of credit in New Jersey - they gave us {$70000.00} in 24 hours at 30 % daily pay - as a business owner, I have tripled my companies gross sales with the financial help and was only trying to get my business loan with the same bank that I trust to process my credit cards and payroll. I was trying to see what was offered by Wells Fargo as they brag about how they care about Americas Small Business - I was wrong in thinking this way but they still do n't have the right to pull my credit without my written, verbal, or electronic permission - it is unethical and shady - Can this agency please help this small business owner?

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