vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I purchased a vehicle on XXXX XXXX 2015. The car was financed through Wells Fargo dealer services. At the time of purchase my credit score was in the low XXXX. I spoke with wellsfargo and was told in 6 mos they would check for score improvement to give lower rate than 16 %. Fast forward to now, my credit score has improved a great deal yet my rate percentage stays the same. I called to refinance the vehicle and Wells Fargo denied me. My score has increased almost XXXX points and that rate of 16 percent is too high for a person that has my income and new credit profile. I want them to honor what they promised 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 2016-09-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELLS FARGO HAS BEEN CHARGING ME EXCESSIVE CREDIT CARD FEES! I HAD A CREDIT DEFENSE PLATINUM INSURANCE PROTECTION PLAN THAT I PAY MONTHLY FOR THAT IS OFFERED WHEN APPLYING FOR A WELLS FARGO CREDIT CARD. THIS INSURANCE PROTECTION PLAN IS SUPPOSE TO TAKE CARE OF THE CREDIT CARD MINIMUM PAYMENT WHEN I AM HOSPITALIZED. I WAS HOSPITLIZED FOR TWO MONTHS AND FILED A CLAIM THROUGH THE CREDIT DEFENSE PLATINUM INSURANCE BUT BECAUSE WELLS FARGO KEEPS CHARGING MORE AND MORE LATE FEES AND HIGH INTEREST FEES AND ALL OF THE OTHER FEES TO MY CREDIT CARD, THE CREDIT DEFENSE PLATINUM INSURANCE STOPPED PAYING MY MINIMUM PAYMENT BECUAUSE THE FEES MADE MY MINIMUM PAYMENT TOO HIGH. MY WELLS FARGO CREDIT CARD HAS BEEN CLOSED FOR MORE THAN A YEAR BUT WELLS FARGO STILL KEEPS CHARGING ME LATE FEES, HIGH INTEREST FEES AND OTHER FEES EVERY MONTH FOR MORE THAN A YEAR EVEN THOUGH I CLOSED THE CARD OVER A YEAR AGO. I HAVE ACCUMULATED MORE THAN {$2000.00} IN LATE FEES AND HIGH INTEREST FEES FROM WELLS FARGO EVEN THOUGH I CLOSED THE CREDIT CARD ACCOUNT MORE THAN A YEAR AGO.

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 2017-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX, we had a mortgage with Wells Fargo Financial. On XX/XX/XXXX, we signed a Deed in Lieu of Foreclosure issuing the property to Wells Fargo Financial. The house was subsequently sold to another buyer that year. In XX/XX/XXXX, Wells Fargo reported on my credit report that they had received a deed for collateral in lieu of foreclosure on a defaulted mortgage in XXXX. This could not be possible because the deed was signed in XXXX. I tried repeatedly to dispute the information with Wells Fargo and the credit bureaus. I provided a copy of the signed and notarized Deed In Lieu of foreclosure clearly indicating that the date was XXXX and not XXXX. Under the fair credit reporting act, this should not show up on my credit report at all as I have waited well over 7 years. On almost every occasion, Wells Fargo would act as though they could not find the loan or they would tell the credit reporting agencies it was correct. I became frustrated and gave up. However, I am in the process of buying a home and am being refused a mortgage because of this reporting. Although this was done in XXXX, Wells Fargo has refused to correct the problem. I wrote them on XX/XX/XXXX and explained that I was buying a home. Wells responded saying they would give me a response by XX/XX/XXXX. ON XX/XX/XXXX, I called Wells and was told they needed to XX/XX/XXXX. This will cause me to lose my financing. I explained this to Wells and told them that I had provided everything. They can even pull up the public record and they, as they have always done, showed no care at all. It is a simple 5 minute fix and they refuse to correct it. They explained that the credit bureaus were not reporting correctly. The credit bureaus blame Wells and here I am stuck with something that I did not do. The actions of both parties, but especially Wells, has left me, the consumer, with no recourse. I have a family that includes XXXX children and this is preventing us from being able to have a home big enough to house our family.

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 2016-12-21 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went into a wells fargo bank branch on Friday XXXX/XXXX/16 to open another savings account. I was told there was something stopping me from doing that. After many hours of in person and phone contacts I was told that there was something stopping them from opening the account, perhaps a life lock freeze or credit bureau freeze and I needed to contact XXXX and XXXX which I did. They all said the same thing that I had a 7 year warning due to prior identity theft and I should be contacted at the correct phone number to ensure that it was me asking for credit or opening an account. I have had no luck getting wells fargo to understand this and am extremely frustrated. They seem to keep blaming me for putting a freeze on my finances that I have not done and seem incapable of fixing the problem. Ironic given that they are in so much trouble for opening accounts without peoples permission that they wo n't open the account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I started to do a Loan Modification through that Obama home modification process. I went straight to my Mortgage company because I never really had a problem with them in the past to do this. They lied to me about the program saying, " We ca n't do a modification on your home because your not late on any payments ''. So they put me into what they call is a forbearance program for 4 months. They set my payments lower than what I was paying and we setup an auto pay with the bank for it. At the end of the 4 months they told me, " that they wanted to do another forbearance because our financial situation has not changed. '' and we were still awaiting a judges ruling on something unrelated to this. I told them No I am not doing another forbearance and to do the Modification we talked about. The Mortgage Company has misled me through the whole process. They could have said NO at the beginning of the process instead of putting me into a lot of stress but instead tried stealing my property by making my mortgage payments in default. I tried to make a regular payment plus extra to start paying back what was delinquent from their doing. They sent part of the money back and said we do n't take partial payments. I have NO idea what they did with the part they kept and I need to find out. When they did this I called XXXX and paid the lump sum, I had borrow from a friend '', to bring the loan current during that month. I called XXXX so there would be proof that this was done. I have Homeowners insurance through Acuity because the last XXXX canceled my policy for stupid stuff and did n't want to let me finish my work. I am XXXX and last year found out that I have only a few more to live because there is no cure for what I have. I still need to know what they have done with the money they kept and why the extra money I sent in was not applied to my escrow account as marked on the back of payment?

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 2016-08-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
For the second time in a year, Wells Fargo Bank ( WFB ) has just put my savings account into dormancy, despite my making deposits every two months for years, and a withdrawal today, all via Automated Clearing House ( ACH ) using another of my financial institutions. 

WFB 's recent email notice of this dormancy states the following to reactivate an account : " You can easily reactivate your account by promptly doing one of the following : Sign on to transfer money from or to this account with another Wells Fargo account Make a deposit into this account using Wells Fargo Mobile ( R ) Deposit, or at a Wells Fargo ATM or store Make a withdrawal from this account at a Wells Fargo ATM or store Write a check that is paid from this account '' My savings account has no checks. After communicating online via the XXXX website with " XXXX '' ( WFB online agent ), it became clear that WFB insists on physical presence in a branch to do a transaction, or use of a Wells Fargo ATM, to maintain " activity ''. It intentionally ignores my frequent and timely deposits via ACH into this account. 

A State of Georgia website indicates that to be declared inactive or dormant, a bank must " lose contact '' with a customer for an extended period. It says nothing about requiring physical presence in a branch or using a bank 's ATM to maintain such " contact ''. 

This dormancy policy practiced by WFB should be banned by CFPB, OCC, and other relevant regulators. It is very inconvenient and aggravating to get such an account out of dormancy ( last time XX/XX/2016 it required a hour or so in my local branch # XXXX, at XXXX XXXX XXXX, XXXX, XXXX, GA XXXX ). 

I spend half the year overseas, thousands of miles away from any WFB branch or WFB ATM. I will not return to the XXXX until XX/XX/2016 to fix this problem. 

Please work to require WFB to recognize ACH-mediated deposits and withdrawals initiated by an account holder from another financial institution as " activity '', denying the bank the ability to put an account into " inactive '' or " dormant '' status. 

Thank you.

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 2015-06-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I took out a private student loan from Wells Fargo Bank with my mom as a co-signer. This loan is to fund a XXXX program at XXXX XXXX University in XXXX, CA. The loan is now in default, but I made an agreement to still pay monthly payments of $ XXXX/month. However, I stopped the automatic payments for a few months, but then made another agreement to lower the payments to $ XXXX/mth. Apparently, I forgot to cancel the stop payment order with my bank and then Wells Fargo was not able to obtain the automatic payments from my bank. A few months later, Wells Fargo Bank took out {$1100.00} from my Mom 's bank, who is the co-signer of the loan without her or my consent or permission to do so. They simply just took out the {$1100.00} from my mom 's bank because she is the co-signer and we are not able to get that money back even after many talks with them. Is there a way to get the money back they they took out?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AFNI INC.
State: TX

Complaint narrative:
I requested validation of this debt. However, AFNI , INC has not properly validated per Texas Finance Code Section 392.202. This code equires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information AFNI only furnished a copy of invoices for XXXX, XXXX and XXXX 2014. In fact, I was no longer living in the location that was being billed by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Guglielmo and Associates
State: NV

Complaint narrative:
I was sued by Guglielmo and Assoc. for XXXX. Guglielmo/XXXX won the judgement by default due to the fact I was not given a court date to appear by the attorneys. I was hospitalized during the said court appearance XXXX/XXXX/XXXX. which I could not have attended. I was in default. I am unemployed and do not receive any unemployment benefits. My husband is XXXX and we are on a fixed income. I received a writ of execution in XXXX XXXX to which Guglielmo 's firm had garnished my only {$45.00} that I had in my checking account. I filed a claim of exemption for the monies in my account. XXXX did not object the exemption therefore monies was returned. Guglielmo 's firm filed another writ of execution on the same account in the amount of {$10.00} in XXXX XXXX. Again, I file another claim of exemption, monies to returned. Per Nevada Revised Statute 21.105 ( 2 ). " If a writ of execution or garnishment is levied on the personal bank account of the judgment debtor and the provisions of subsection XXXX do not apply, {$400.00} or the entire amount in the account, whichever is less, is not subject to execution and must remain accessible to the judgment debtor, unless the writ of execution or garnishment is for the recovery of money owed for the support of any person ''. Currently, Guglielmo 's firm is now trying to file a writ on my mother 's account to which I am only a beneficiary. My name is not affiliated as an co -owner of this account. I believe he is on a fishing expedition and to only harass me to place me under duress. Also, I do n't feel I should be charged any of the attorney/filing fees which were added to my judgement because of his " willful intent to garnish '' an account I do n't own. Guglielmo and Assoc. should be sanction and properly discipline for FDCPA " Unfair Practice '' i.e. " A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt : To take or threaten to repossess or to disable property when the creditor has no enforceable right to the property or does not intend to do so, or if, under law, the property may not be taken, repossessed or disabled ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear Sir/MadamOn XX/XX/XXXX very late in the afternoon, I had a conversation with XXXX XXXX, a representative of Wells Fargo. Based on the conversation, she instructed me to submit a letter of employment in Georgia and a letter stated that the house was not rented XX/XX/XXXX/ The last XXXX documents will help my case before HUD for the modification. On XX/XX/XXXX I faxed the statement letter and my attorney sent the letter of Employment on XXXX. The same week, I received a phone called to submit new information. Then I knew the house was in foreclosure and the sale date was XXXX All my paper work was submitted before the sale date. I was in compliance with their demand. and an appeal form to cancel the sale was ignored. 
Since the sale, XXXX XXXX has requested the sale to be rescinded. While in the process, a real estate company came to the house and changed my locks, I have no access to the house right now. This is a wrongful eviction without any notice. All utilities are on, yard and bushes are cut, and the company can not say the house was vacant.. 
This action is the power of a bank which does not have check and balance. It is discrimination without regard to Federal and State Laws, Therefore, Wells Fargo ignored all laws that govern this country while I was waiting for an answer., It has been reported with proof that Wells Fargo foreclosed XXXX properties in Georgia by denying them due process. My case is one of them. I will retain a lawyer to pursue my case. 


Best Regards, XXXX XXXX % XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a mortgage with Wells Fargo and had my mortgage set up for bi-weekly payments. The mortgage had no late pays and was always on time. My father, after the death of my mother filed for bankruptcy ( Chapter XXXX ), both of my parents were listed on the original loan documents, however, they never made one mortgage payment, utility payment or paid for any upkeep or maintenance on the property. Once my father filed his bankruptcy Wells Fargo no longer accepted my payments. I argued with them many many times explaining to them that the automatic debit from my checking account was mine and mine alone and that my father had nothing to do with this account and for matter nothing to do with this house. Wells Fargo forced my house into foreclosure because they would not accept my payments, which was not my fault. I have continued to reach out to Wells Fargo trying to get a loan modification which had Wells Fargo accepted my payments I would not need this help. They have done enough to hurt my but when it has come time to help me get things straightened out, they have been less than willing or eager to help. The loan modification documents have been submitted on three separate occasions and each time Wells Fargo has asked for additional documents from me which I have submitted. Wells Fargo has continued to place one obstacle after another in front of me and my family with no signs of them willing to correct this situation that they have put me in.

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 2016-07-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo had my Deid in Lueu approved in XXXX XXXX for my house at XXXX, VA XXXX. I sent them all paperwork including my agreement to vacate the property. The second mortgage also had approved. They kept dragging things out saying there 's an issue with the title. All of a sudden, they call me in XXXX and tell me that they need to send me the final paperwork and I need to sign and return immediately. 
I told them, " great, send it to me in XXXX XXXX because I 'm here XXXX ''. She said she was n't sure she could do that and she would call me back when she got an answer. 
The next time they contacted me was to tell me I need to start over and that I ha a new contact. That guy was worthless. I had the second mortgage ( also Wells Fargo ) sending messages to him and his manager. 
Long story short, I 've tried to do a short sale from XXXX XXXX before stopping payments due to XXXX and no renter in the house. WF home preservation has the keys to the house since XXXX XXXX and did n't fix the fence that fell down in a storm in XXXX. I now have at least XXXX court judgments against me due to this. 
The inspectors wo n't go to look over the house since I 'm not there to let them in and do n't even have the key. Thus, I have '' failed to complete the Deid in Lueu process ''. I have complained to the Office of the President and their records only show I have n't done what I need to do. I have asked for the recordings to prove what I 've said is true and they said I need a subpoena since they are their property. 
I contacted XXXX XXXX 2 times and talked to different guys, but they said that is outside their scope and referred me to HUD. They ca n't help and said I need to file a complaint with you and find an attorney. 
The best part, on XXXX ( 90 days after retirement exactly ) they send me a letter stating they are going to start foreclosure if I do n't pay my delinquency. 
I do n't know what they gained from this other than the house appreciating, but they have intentionally been dragging me and my family through this nightmare for years to avoid SCRA rules. 
I need help and need it by XXXX XXXX, XXXX please.

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 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a divorced man who has a mortgage with Wells Fargo. I am the only mortgagee, with insurance through XXXX XXXX. 
Last XXXX my ex-wife opened a XXXX property insurance policy through XXXX without my approval nor permission. I am not on the XXXX policy, and ex-wife is not on mortgage. XXXX apparently presented Wells Fargo with a request for payment, and Wells Fargo paid them {$910.00} from my escrow account. I found out a month or XXXX later when checking on mortgage account. 
When I confronted Wells Fargo, they refused to accept responsibility and blamed XXXX. I reminded Wells Fargo they had a fiduciary responsibility to safeguard my escrow funds from intentional or accidental access from those without legal reasons. Wells Fargo acknowledged on phone they paid XXXX based on electronic request, but wont provide me proof of this. Wells Fargo refused to refund the money they gave XXXX. XXXX eventually cancelled policy BUT did n't return funds to escrow. And now they wont return my emails nor phone calls. 
Now I am out {$910.00}, and Wells Fargo will not replace the money they had an obligation to protect.

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