vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: NY

Complaint narrative:
I was given a business check by a person who was supposed to buy an item from me. The bank cleared and cashed the check the following day ( I trusted the bank to know if the check was good or hold it if there was any uncertainty ). I deposited the check on friday XXXX/XXXX/2017 and the cash was available on XXXX/XXXX/2017. I assumed their was no problem with the check and procceeded to follow instruction of the buyer of this item. I then money grammed the remaining balance after taking out for my item to the person who was supposed to come pick the item up. Everything was fine on my account with {$60.00} something dollars in it to use cautiously because I am a XXXX single mom and need to use every dollar carefully. Around XXXX on monday XXXX/XXXX/2017 I received a decline on my card for a less than price that I knew was in my account. I immediately got in my vehicle and checked my account. It was XXXX! I called the bank immediately and asked them what is happening. The person I spoke to was very rude, I asked if I could speak to someone who understands whats happening and if they were available and I was told " I just told you what to do, I do n't see any reason for you to speak to the branch manager! '' I told her I need to and can you please have her call me. The following day the branch manager was as equally rude explaining only that I am responsible for that balance and that I need to wait until the XXXX and there 's nothing I can do. They said Im not allowed to shut my account down to prevent further fraud. They are expecting my direct deposits ( only income source for the month to support my daughter and I ) this month to go towards their lost balance. I asked about opening a different account and basically the rude first person and her branch manager were standing there in front of me with their arms crossed. I made other calls and have been to the police, fbi and banks. Meanwhile before the check is even deemed fraud on the XXXX they have taken out about six or more and continuing overdraft fees of {$38.00} all circling around this deposit. This is a very upsetting event for me all the way around. I 've had to put my life on hold since the day I trusted the bank to be more knowledgable and helpful in an event. I did n't think for a second the bank would cash something that even has the possibility of being suspicious and trusted them to carry through accordingly. The poor attitudes and unwillingness to help from the staff and even branch manager are very hurtful on top of a crises. After this is settled and they rack up more than their share of my and my daughters living I will never do business with them again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A manual payment of was made ( on the due date XXXX/XXXX/XXXX ) to my Wells Fargo personal secured credit card because I had cancelled automatic payments. An automatic payment was still initiated on the same date - after my manual payment. Wells Fargo 's automatic payment non-cancellation mistake caused imbalances to my checking account resulting in additional charges to my other bank accounts and by creditors. 

When Wells Fargo was contacted about the mistake, they had no record of my automatic payment cancellation. When I cancelled, the phone representative did n't provide any sort of confirmation number ( which should be procedural ). Though if considered, my manual payment would confirm my understanding of the cancellation. 

Following many unsuccessful contacts by phone, call transfers and repetitive explanations to resolve the issues, I was forced to visit my local branch office in person on XXXX/XXXX/XXXX. Following another lengthy situation review with the branch representative, she made several calls explaining my difficulties then, put me on the phone again. The manager on the phone gave me a verbal promise that the correction would be made by Monday XXXX/XXXX/XXXX. Unexpectedly on XXXX/XXXX/XXXX, Wells Fargo closed all of my bank accounts ( including my personal accounts ), because XXXX of my business bank accounts had XXXX returned checks from customers. 

The secure credit card balance was below the secured deposit amount and should have been reconciled on the date the account was closed, rather than waiting to XXXX XXXX and the accruing of additional minimum payment charges growing from {$25.00} in XXXX to {$210.00} in XXXX XXXX. Upon Wells Fargo 's closure of all of our accounts, they held full control of our funds. 

From XXXX/XXXX/XXXX forward Wells Fargo has benefited, there has been little inclination for Wells Fargo to consider their customer 's experience nor their internal errors which caused a harmful chain of events. 

Wells Fargo has not corrected their procedures to provide a confirmation of automatic payment cancellation- for what may be disturbing reasons. 
These actions clearly point to systemic policies for generating more fees and profits. This ruthless and machine-like approach has nothing to do with true customer service nor with cultivating mutually beneficial, long term relations.

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 2017-03-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
We went to buy XXXX cars, and the dealership said they would run our credit once and share the info with the lenders. There were XXXX companies that hit my credit twice 10 days apart. XXXX and Wells Fargo Dealer hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed?

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 2015-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I live paycheck to paycheck. I check my bank account balance daily if not XXXX a day. The bank I use, Wells Fargo offers online and text banking so it makes it very convenient. The problem is they do not match up. Some of the dates that transaction posts change. For example on XXXX night, the XXXX, I checked my balance through text banking. I had {$380.00} in my account. The next morning, XXXX the XXXX, when I got to work at XXXX I went online and checked my balance and transactions. It still said I had a balance of {$380.00}. At this point I realized I still had XXXX checks outstanding and I needed to transfer money from my savings. I transferred {$1200.00}. That would cover the {$1500.00} in outstanding checks. XXXX hours later I received and email saying my account was over withdrawn. Again, I went online and I see that both those absent checks had cleared but XXXX of those had a date of XXXX the XXXX. That transaction was not on my statement in the morning. They hit me with XXXX overdraft fees. They did it after I transferred the {$1200.00}. I 've noticed some variances in my account before. I noticed that checks and withdrawals move around on the statement. For example, I wrote XXXX checks, XXXX for {$100.00} and XXXX for {$160.00}. According to my text banking the {$100.00} check was posted on the XXXX. But according to my online banking that check was cashed on the XXXX and the check for {$160.00} was cashed on the XXXX. Not to mention that I can not verify what the balance of my account was after each transaction because their online banking is formatted in such a way that it wont allow. It is simply a list of debits and credits and a total at the top. I really feel that Wells Fargo is choosing what dates they want things to post to get more money in fees. I went to the manager and he was unwilling to do anything to help me. I would really appreciate it if someone would look into this. This is predatory, greedy behavior. I should not have lost {$70.00}. I only bring home {$XXXX} a week and I 'm a single parent of XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I have a XXXX, Wells Fargo App barely works, I submitted a payment thru the app that was never posted after everything I received {$37.00} late fee and a {$70.00} interest charged. I called on XXXX/XXXX/17 and they assigned me a executive because I said that I was going to file a formal complaint because. After this they told me to wait until they can help waived this for so I made a payment on the 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 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a payment for XXXX to my insurance was to come out of business account but mistakenly was taken from my personal account. Bank notified me on XX/XX/2017 that I would have overdraft of XXXX put into my account with service fee of {$12.00}. I immediately put money in my personal account on same day bank unwilling to cancel the fee or cash advance of XXXX both of did n't have to happen. Bank robbing us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Back in 2008 I purchased a Cooperative. I recall the lender telling me that interest rates for coop are higher than for a condo ( fee simple ). Is this true? Back then I had a great FICO score but there was nothing I thought I could do to refute what she told me.

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 2015-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was refused a modification to my Loan with Wells Fargo Mortgage. It hasbeen over 2 years and I have not missed a single payment and not late on a sinsingle payment. I tried to tell them my situation had changed but theyrefused to work with me. I think the foreclosed on me unfairly. I want a new loan onhouse loan and my VA eligibility back. They said it was because of my taxlien. Still have lien and no problem

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A financial interview was completed with Wells Fargo on XXXX XXXX, XXXX with their " re-entry team '' to open the loss mitigation review. They stated that they needed a hardship letter, 30 days of paystubs, the XXXX XXXX, a homeowners assistance form, a XXXX, and a completed ( 30 minute ) verbal financial interview. All these documents and interview were completed and faxed to the lender on XXXX XXXX, XXXX. On XXXX XXXX, XXXX a call to the lender was placed and they advised that they needed to verbally know the start date of employment for XXXX and needed written clarification on some of the deductions on the paystubs. It was also advised that XXXX XXXX, the wife who is not on the loan, is not a contributor. The written letter of explanation on the paystubs was sent to the lender same day. Then another call was placed on XXXX XXXX, XXXX where they came up with a whole new list of documents needed including asking for paystubs from " any income on the tax returns. '' XXXX XXXX XXXX and XXXX XXXX XXXX filed their taxes together, but she is not on the loan nor is she a contributor to the loan and this was already explained to them. Therefore they can not continue to ask for this income. They are requesting additional information every XXXX days and not putting one list in writing. They also asked for the Home Owners Financial statement to be notarized, which is not a requirement. They are purposely dragging out the review and not putting complete requests in writing to make the review impossible to complete!

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 2017-03-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
The issue I think I have at well fargo is I can not finish the lending procedures. I have feeling the Loans and credit cards I applied for were approved. unfortunately I feel the bank employees took the action of falsify or not finishing the lending procedure and told that they needed to verify a few pieces of information. when really just printed and mailed me a letter declining the account. 

the accounts applied for are a consolidation loan and a visa signature. I have applied for each accounts at least twice if not three times.

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 2015-04-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc.
State: NE

Complaint narrative:
Contacting my work. Using my work phone to contact me which is a violation of FDCPA. Also I do not owe the amount stated since, as anyone knows, my federal tax return has been takes every year since 2007.

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 2016-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
This is the third time I 've typed this and it has disappeared. 
So briefly my husband died in XXXX 2013 and he was the only one on the loan. I contacted Wells Fargo and submitted all the paperwork for a loan modification because of hardship. They returned the paperwork stating that since the loan was not in my name I need complete the paperwork for a Non-qualifying Assumption. I did so as I recovered from XXXX XXXX XX/XX/XXXX. I then got all my paperwork back saying I missed the deadline by 9 days. They recieved my paperwork on XXXX. I was never told there was a deadline. I filled out the paperwork as quickly as I could. I then had to assume the loan with a credit qualifying assumption. At the time it was impossible. I would appreciate some help on the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
problems have never been handled right tired of being treated as anything other than the victim. i opened a business account in XXXX told no fees waiver for 6 months of course the fee was billled every month which meant i was lied toor that red tape won over. all you get from this bank is a reminder of the greedy rules with no accountability of what i endured in terms of my time and other getting feed. when i was not supposed to. now i have an overfradt since i transferred money out to avoid it getting taken when bank keeps applying fee even tho there is supposed to be a waiver. 
its truly uinbeleivable. 
you can cut the greed with a knife.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Status Claim XXXX in progress and therefore we need to submit a second claim regarding the same matter. 
We, XXXX XXXX XXXX and XXXX XXXX have followed up repeatedly with Wells Fargo regarding our case of an Escrow Account that they imposed on us and that we have had to repeatedly request deletion of throughout 2016 to date. XXXX and I, XXXX, take the initiative to contact both XXXX XXXX and XXXX XXXX, Executive Specialists of the Wells Fargo XXXX XXXX and XXXX XXXX. repeatedly about the case. Yesterday, XXXX XXXX, 2016, we tried to reach XXXX XXXX and XXXX XXXX. We often end up recounting our case to a backup contact in their group.We asked what the specifics they are seeking to conclude their research. The back-ups typically state that they will pass on a message to have either on call us back. We often take the lead to follow up on as we do not hear from them within the promised 24 hours stated on their phone system. 
***********Therefore their RESPONSE in claim XXXX is not truthful : Response : We 've been unable to establish contact with our customer, XXXX XXXX XXXX however, we did speak briefly to the co-borrower XXXX XXXX . We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. XXXX There were one or two occasions that we did not return calls on the same day. There are multiple times that we repeatedly needed to attempts calls to finally get them in person. have followed up repeatedly with this team and have support documents, their letters to us since XXXX XXXX and this does not include their conversations stating that they will close and delete the escrow that occurred XX/XX/XXXX and XX/XX/XXXX! The amounts showing on the Escrow Account, they assigned are payments that they have pushed to the XXXX XXXX County Tax Collector for Property Taxes that we have already paid! Also, they have pushed payments for our home insurance to XXXX XXXX causing confusion as we have already paid those. XXXX took steps to follow up with both XXXX and XXXX XXXX who returned payments to Wells Fargo so that the Escrow account showed a XXXX balance. They keep saying they are working on a deletion. Quiet the contrary, we got an Escrow statement in the mail on XXXX XXXX and they have repeated their pushed payments for property tax and home insurance once again! Due to this situation, we have provided them with XXXX cashiers checks for our agreed on mortgage of {$2600.00} and monthly XXXX has paid them at a local Wells Fargo branch. On their Escrow statement they show that this amount is " on hold ''.

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 2016-05-09 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:
Summary : Unable to access my accounts online as of XXXX at XXXX, through XXXX app, mobile website, or desktop website. 

On XXXX, I made a total of XXXX phone calls to Wells Fargo, XXXX to customer service XXXX, and XXXX to XXXX, which is supposed to be the online banking department. 
responses ranged from the automated system hanging up on me, to a supervisor hanging up on me after asking the same question repeatedly, even though I answered the question multiple times. 

I was able to determine that my accounts are active, but I am not able to access my accounts online.

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 2016-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Good day, briefly ; I experienced financial difficulty complicated by my father 's illness and eventual death in XX/XX/2015 causing me to fall behind on my mortgage. In XX/XX/2015 I went to make a payment and they refused to except it. I requested a loan modification and was denied due to the incompetence of my home preservation specialist. I requested and was granted a new representative who helped with my appeal. My appeal was denied. I sought help from a HUD approved agency as well as consultation from the DOJ and made a verbal agreement with my home preservation specialist ( contact at the mortgage company ) to make double payments until such time as a formal payment arrangement could be made. My first double payment was made XX/XX/XXXX, it was returned in a check a month later just as I was about to make my second payment with a letter stating I was in active foreclosure. A phone call to the DOJ concluded I was not in active foreclosure so I returned to seek help from the HUD approved agency. Several attempts have been made to give the mortgage company a lump payment, approximately half the amount past due with intent to catch-up making multiple payments yet they refuse to accept.

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 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
someone put a fake check into my account and now i am forced to pay for the damage done to the account.

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 2016-02-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Bayview Loan Servicing a Debt Collector sent more than XXXX dunning letters and demands regarding an alleged debt that does not exist. Bayview is a debt collector that does not have prior consent to communicate with me. Bayview has also used several names and different account numbers regarding the same alleged illegal debt. Bayview must obtain verification from the original Creditor, 1692g ( a ), original loan level documents, additionally provide its own validation in compliance with the FDCPA. Verification must be sworn to under oath or affirmation as required. Bayview has been given ten days to comply. If failure to do so, Bayview 's alleged debt will be permanently barred and all expenses, costs, damages and fees will be billed.

Company response to consumer: Closed