vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Today I attempted to make mortgage payment from my checking accounts just to learn that all personal accounts and accounts I manage for couple of LLCs at Wells Fargo Bank are blocked for financial transaction. After several attempts to find out what happen I have learned that on Sunday XXXX XXXX bank has blocked all my accounts. Finally after XXXX hours lost I was able to get information that bank is investigating some transactions. Every dollar that enters and leaves my account is accounted for and trackable to source of origin. I am not conducting any illegal practices and bank does not have grounds of any source to hold my funds especially since they are declining to communicate with me. This need to be resolved ASAP as I need to feed my family and pay my bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
i was approved for a loan by wells Fargo for the amount of XXXX to purchase a home from my uncle they needed a signed gift of equity letter but my uncle refused to sign it then the bank said they would have to issue a loan differently XXXX set up a loan with XXXX percent down and a escrow account 2 weeks before closing he said the underwriter needed XXXX percent down of which i did not have then he recommended rerunning my credit score without telling me if it was lower he would not provide the loan nothing change on my credit score as far as i knew except some bills were removed from collections as i have paid them off then he said my score was a XXXX but when i checked it was a XXXX so he declined to give me the loan he sent me to a credit union for twice the interest but too late for the closing now my uncle terminated the offer to purchase i wish to sue wells Fargo for the loan amount to find another home as i believe they discriminated against 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 monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Reported that I had a fraudulent account ( checking account ) with Wells Fargo back in XXXX of 2016. I have a benefit that allows for a Fraud advocate to help me. We provided all the documentation to advise I was a victim of ID Theft, including a police report and ID Theft Affidavit as well as other documents. We were told in XXXX of the offices that this was resolved as fraud, but come to find out they did not resolve it, but sold it off to a collection company during the time they were investigating the debt or after they told me it was resolved as fraud. Case XXXX acct # 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 2016-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Debt was discharged ( cancelled ) by the bank ; on or about XXXX, a XXXX sent by Wells Fargo to IRS stating balance of {$4800.00} as taxable. 

Now I am receiving repeated harassing phone calls trying to collect debt, as well as a letter from Wells Fargo filled with inaccurate detailing of situation. 

Have responded in attempt to rectify their records. No response back as yet.

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 2016-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I called Wells Fargo XXXX X XXXX and attempted to get information regarding " how to remove myself from the FHA Caivrs reporting system ''? I Filed XXXX BK in 2009 and WF has not foreclosed on the property nor has a foreclosure date to note. My info should not be associated with the FHA CAIVRS reporting as I was relieved from the obligation of debt via BK in 2009. I had the pleasure of speaking with XXXX in the Home Preservation Dept who engaged XXXX/Mgr to assist. XXXX informed me that they were going to set up a call back for tomorrow as the dept i needed was closed. XXXX/mgr then gets on the phone ( nasty tone ) to say no, you can send in a written request via fax # XXXX of your dispute ( as if my verbal is not being recorded ) and someone will get back to you in 7-10 days. He also attempted to give me a mailing address ( really in this day and age )? So I proceeded to call back and speak with XXXX, my original target who was nice at first, said he would give me the number to call in the morning, puts me on hold and then comes back with the same nasty script that XXXX/Mgr had clearly given him. I thanked him for his non assistance and hung up. Wells Fargo needs to be held accountable for damaging the economy and for simply being rude to their consumers.

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 2016-04-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Some one hack my dibit card I told them I did n't make the purchase but they paid it any way, resort for every bill came due they added fees for over draft, then my automatic was deactivated and my bills was not being paid which was report to the reporting companys, no told me automatic was deactivated and late was being reported and late fee'e add to amount due to me account. This whole problem could have been avoided if the credit union had not paid a bill due to hack I received an email about the purchase I replied by I did n't make are authorized the purchase, I called the credit union and told them I did n't make the purchase, at that point it had not been paid even after them I did n't make the purchase they still paid it and added overdraft fees for all bills that needed to be paid by automatic pay from my checking account everyday checking, and then they deactivated the account with out notice and my bills was not being paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I made a payment of {$130.00} through the automated system for my Dillard 's American Express credit card. The system prompted me asking would I like to use the current checking account information on file ending in, XXXX XXXX XXXX XXXX, used for the last payment. I stated yes, and the system asked me to hold while it processed the payment. I received a confirmation number afterward. In XXXX, 2015 I received a notification stating due to nonpayment my account had been closed. Unbeknownst to me I had not be contacted before this letter. I immediately called Dillard 's, they transfered me to a Wells Fargo representative, XXXX. He informed me, after reading my entire checking account number aloud, the system only captured the XXXX digits of the checking account number and the payment sent was returned. I informed him that this account has a five year non delinquency history, also the credit bureaus report that a history of my on time payments as XXXX of the things helping my FICO score, and based upon the information he provided reporting this as a delinquent account is inconsistent with my credit history. He informed me that this was a system error and could be fixed, however the account could not be open again. Nevertheless, to no avail over the course of three months I have disputed this matter with Dillard's/Wells FargoXXXX which I 've been told that I did not input information into the system correctly, although the payment was made through the automated system in which a confirmation was given ; also with each of the XXXX credit bureaus as well. I am appalled at the lack of responsibility Wells Fargo has taken in correcting a mistake made in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX acquired a mortgage, fell into some financial hardships and after exhausting her savings was no longer able to make another mortgage payment. She applied for several mortgage modifications unsuccessfully with Wells Fargo. At this point, the borrowers hired an attorney 's office to save their property. After receiving a denial for the modification we submitted, the lender refused us an appeal and has the property on the auction for sale.

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 2015-11-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
For its XXXX XXXX, Wells Fargo currently charges 27.99 % ( v ). I understand that credit card interest is in the hands of the card companies, and that they may charge whatever they like! 
There is no cap on interest charged by credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I recently had a loan paid off with Wells Fargo for my auto loan. I have been trying to reach Wells Fargo in regard to an over payment to my loan, and have received no response. I have called several times and submitted an email to Wells Fargo Dealer Services with no return contact.

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 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ON XXXX 2016 XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERFORM TRUSTEE SALE ON BEHALF OF MY BENEFICIARY -LENDER WELLS FARGO BANK & MORTGAGE XXXX XXXX XXXX IN THE STATE OF XXXX IN THE FRONT OF JUDGE XXXX XXXX AT THE JUDICIAL BRANCH OF XXXX UNDER CASE # XXXX FOR PARCEL # XXXX ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THEY WERE REPRESENTED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHEN THEY SOLD IT IMMEDIATLY TO XXXX IN THE XXXX. THE ENTIRE SALE IS SCAM BETWEEN WELLS FARGO, XXXX & XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-11-07 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Our customer transferred by wire On XX/XX/2016 to a Wells Fargo account with the beneficiary of our company. This was a fraudulent account and we do not have an account with Wells Fargo. We believe the account used to receive and launder the funds was one that was set up by their employees which is related to the accounts that were opened up without proper authorization or documentation. Wells Fargo clearly did not exercise any caution given the problems they have with the unauthorized accounts. At the minimum they should have a matching program that would verify account holder name and number matched and that the account holder has been verified when handling wire transfers.

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 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had to file bankruptcy in XXXX and have been trying to work with Wells Fargo to get a loan modification / payment reduction ever since. I have called and left messages with my name, loan number, and phone number. They have not returned my phone calls, which they say is within 48 hours and finally one of the reps told me they had closed my account in XXXX, XXXX this is XXXX, XXXX and they are intending to issue a motion to release on my home. This has not been the XXXX time Wells Fargo has done this, I will call to speak with my preservation person whom many times I had to leave a voice mail, only to find out from another rep my account had been closed. This phone tag activity has gone on since XXXX. I have sent paperwork to them on numerous occasions and have been turned down over and over again. I have shown them we do not own a business because they accused us of hiding money, because my husband did on the side handyman work to make ends meet. We had a rental house that was empty for 3 years and they even took pictures to the fact but said we could get future income. That house was foreclosed on. Wells Fargo said the investor does not allow modifications, but Wells Fargo has many programs. Wells Fargo took pictures of my home and told my insurance company that the home was vacate/unoccupied and now they want to cancel my homeowners insurance this month, XXXX XXXX. We had an electrical fire back in XXXX/XXXX/XXXX, the insurance did not cover items the City of XXXX said had to be done, it had been hard finding a contractor, but one at my church will do it. We have been living with family, friends, hotel and at the church apartment now. My husband became ill in XXXX, XXXX, has not worked since. He had XXXX in XXXX, XXXX, XXXX in XXXX, XXXX and his company XXXX XXXX, XXXX. I am XXXX years old, working, I owe more on my house than it is worth, all I want is an affordable mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 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:
PROPERTY LOCATION : XXXX XXXX XXXX, CA XXXX WE HAD A HOME MORTGAGE THROUGH WELLS FARGO BANK FROM XXXX XXXX - XXXX XXXX. THE ENTIRE FOUR YEARS WAS EXCEEDINGLY EXPENSIVE IN REGARDS TO FEES, CHECKING ACCOUNT FEES, PMI AND CLOSING THE SALE TO STOP WELLS FARGO BANK ON OUR NAMES. WE SUBMITTED REQUESTS THREE TIMES TO PROVE WE HAD ENOUGH EQUITY TO PAY OFF ANY/ALL SHORTAGES IN ORDER TO HAVE THE PMI WHICH WERE EXTREMELY HIGH FEES - DISCONTINUED. I TALKED TO A NUMBER OF PEOPLE FROM WF BANK AND THEY KEPT REFUSING EVEN THOUGH WE HAD A NUMBER OF PEOPLE TELLING US THAT WE HAD ENOUGH PAYMENT HISTORY AND EQUITY INCLUSIVE IN PROPERTY TO HAVE PMI DISCONTINUED. WE FEEL THIS PRACTICE BY WELLS FARGO IS VERY UNFAIR, DISHONEST, AND UNJUST.

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 2015-09-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo is making it exceedingly difficult to pay off this car loan. Very little information was given to me concerning my options, and also it was conflicting information. 
At first, I was told I could walk into any Wells Fargo Branch and give them cash. This would pay off my loan immediately. Then, I was told I could not pay off this loan at any branch, because the computer systems were different. 
The third time, I called, I was told yes, I COULD pay off the loan, just not state it was a payoff. 
I am confused. 
Also, I was never told I could negotiate the interest on the loan. 
Also, when I requested a copy of the transcript ( which they tell me is recorded ) I needed a subpoena to get it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I submitted a payment online for my Wells Fargo mortgage. When I submitted it, I accidentally selected the wrong account ( per Wells Fargo ). Therefore, it tried to take the payment out of a bank account that had insufficient funds. Instead of contacting me about the issue, they proceeded to attempt to take the payment out three times causing over {$90.00} in fees. After speaking to Wells Fargo, they told me there was nothing they could do about it. I told them I thought it was poor customer service to not contact the customer to tell them their payment did n't go through nor did their website allow me to view the payment once it was submitted. Had I been able to view it, I would have known it was coming out of the wrong account and would have deposited money into the account to avoid future fees. Their response was that they do n't have the time to call all of the customers that have Insufficient funds.

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 2015-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Thursday, XXXX XXXX I went to the XXXX XXXX WELLS FARGO XXXX ( XXXX XXXX, NC ) to present a check for deposit into XXXX of my accounts. I have checking, savings and stock accounts for the past 16 years and the amount on deposit is about XXXX times the amount of the check, plenty to cover it. The check was from my brother in another state who is totally incapacitated and was endorsed to me for deposit to be utilized for his expenses. The check was issued by a nationally recognized corporation and drawn on the XXXX XXXX XXXX. The teller and bank manager refused to accept this check for deposit into XXXX of my checking accounts. I said that they could put a freeze on the amount of the check for a period of time, call my brother to verify this deposit but to no avail would they accept this check. I took this check to SOUND Bank a few doors away and presented it. In XXXX minutes they proceeded to accept this check and asked what I wanted to do? Ultimately I asked for a cashier 's check or XXXX so I could walk back to WELLS FARGO and cash it to demonstrate what great service a local, XXXX can provide. I collected my money and went back to SOUND bank to open a new checking account for my brother.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX my debit card would not work at the atm machine. I went inside the branch and told the teller. she did the transaction for me. later that day I found out a check had not cleared so I rush back to the atm before XXXX to deposit the money back except the card would not work. there were another deposit made in the account that was placed into pending although it was cash. The check was paid and I was charge {$35.00}. the issue is the bank was to investigate the matter in XXXX and get back with me, never a letter nor a phone call not even a message. I went to the branch yesterday to see what was going on and I got such unprofessional response from the employees and lies and they stated the bank does not send customers replies to dispute because it is a personal thing that they do so they do not, yet they tell me this employee had tried several times to call me and yet I never received a call or a voice mail, not even a e-mail from this branch. the bank manager was talking to the man employee and when he walked out I asked to speak to her, would you believe she effused to speak to me and she was sitting right there in her office looking directly in my face which she then moved her chair over to the other side so I could not see her and there were no one in her office with her. That employee that was to type up the paper work for the investigation did not know what she was doing and she said so, other people was coming in to help her and because I had been in her office a long time waiting for her my XXXX small grand children got very antsy, so now you know I am getting a little frustrated because every office person should know how to quickly get a customer request resolved, except this one did not. to wait two months for a banking resolution is ridiculous and this type of behavior should not be tolerated from no employer. all your office personnel needs to be terminated and all your bank tellers should be running the bank and then find all new tellers, because they are the ones with class and professionalism. this group at the XXXX GEORGIA NEEDS TO GET THEIR TRAINING FROM THE XXXX, GEORGIA BRANCH ON HIGHWAY XXXX BECAUSE THEY ARE THE TOP WHEN IT COMES TO CUSTOMER SERVICE AND THEIR NEEDS. MORE SO THEY ARE HONEST IN GETTING THE JOB DONE AND KEEPING A VERY GOOD REPUTATION FOR THEIR EMPLOYER.

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