vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had linked my newly established XXXX account debit card with my Wells Fargo bank account. I was under the impression that I had opted out of any overdraft protection " courtesy '' programs with Wells Fargo ; therefore, any transaction resulting in funds being overdrawn would be declined, which should apply to drafts initiated by XXXX as well when insufficient funds were available. 

I came to find out that Wells Fargo repeatedly allowed these transactions from XXXX to go through and charged the typical overdraft fee of {$35.00} each time. They simply changed the terminology for the type of transaction this constituted, although by definition and consequence enacted on my account ( same {$35.00} fee assessed on each accepted draft of an account bearing insufficient funds ) this is precisely an overdraft fee that Wells Fargo covertly branded as something else in order to justify the procedure ; however, I was never informed of this new practice nor would have agreed, as I opened my account, like I mentioned, under the notion that these fees would not and could not be charged. 
Upon reviewing the terms they have listed for all types of checking accounts, I do not see this expression used anywhere. As I recall, the bank employee I spoke with referred to it as something along the lines of a reverse payment. 

They can call it whatever they want, but unless they are admitting that they are engaging in bait and switch tactics and lack the legal and ethical standards that any banking institution, especially of their stature, would uphold-however optimistic a view this may be in today 's economic climate considering that the bordering on fraudulent and deceitful practices of these banks are commonplace, which in no way should excuse them. 
Part and parcel, this is an overdraft fee, wrongfully and connivingly instituted by the bank clearly illustrating a full-fledged violation of the contract between myself and Wells Fargo which eliminated the chance incurring overdraft fees in any of my accounts. As per their claim that this constitutes a mitigating courtesy they provide, I would like to know who defines courtesy or, moreover, for whom this trulyis a favor, as without my consent or permission, the beneficiary is only the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
My business collapsed in 2013, forcing my wife and I to leave our home and move in with family. My mortgage company, America 's Servicing Company, took possession of the house and changed the locks before they were supposed to ... and before we could remove all of our possessions. We applied for a deed in lieu of foreclosure, XXXX. Our initial paperwork was lost. I contacted you last XXXX ( 2013 ) regarding our situation, and they were fairly quick to respond. Since then, we have had XXXX home preservation specialists, had our home in active foreclosure ( with XXXX auction dates ), and have been told most recently that there were no plans to foreclose and our deed in lieu has been approved. We were told to contact Mississippi Home Corporation to arrange for authorization for ASC to request that they subordinate their lien on the property ( we received money through the Hardest Hit program to try and keep our home ), which we have done, in writing. After receiving a notice that we are now assigned to our latest home preservation specialist ( # XXXX ) just a couple of days ago, we receive a letter from an attorney 's office that we are indeed being foreclosed on ( again ) and being sued for over {$210000.00} on behalf of the primary lienholder. We 've had no other recent communication from ASC regarding our account aside from our monthly statements. I will be writing to the attorney to attempt to postpone the sale ( no date yet ). Please help us if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was appointed the financial POA for my Uncle, XXXX XXXX. In XXXX XXXX he entered assisted living. In XX/XX/XXXX, I notified Wells Fargo Home Mortgage he could no longer make mortgage payments, and I put the house up for sale. The office of the President of Wells Fargo Home Mortgage, XXXX XXXX ( XXXX ) contacted me and I discussed the situation. I contacted him back in XX/XX/XXXX letting XXXX know that the house was under contract. I closed on the home XXXX XXXX, XXXX. I have been requesting since that time the small portion of {$200.00} that my uncle had left in escrow. I have called and emailed XXXX and Wells Fargo Home Financial numerous times. All I am doing is trying to help my XXXX Vet Uncle get the funds to help with his medical bills. Please help me! 
Sincerely, 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 non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I 'm Disputing This " STATUS : XXXX -- -File -- -- Received -- -- XXXX -- ( AND ) STATUS : XXXX -- -File -- -- Received -- -- XXXX -- -- -NOT COMPLETED ... .BUY WELLSFARGO BANK-N/A.. 
Case number : XXXX -- -NOT COMPLETED BUY WELLSFARGO BANK ; N/A.. TODAY IS XXXX XXXX ; CF-GOV-CASE # XXXX, and Doccuments submitted in this case : File ; Duplicate 'NOTE- CF-GOV PEOPLE CALLING THIS A DUPILATE ...? 
adding mot information 's pertaining to the XXXX XXXX XXXX XXXX loan done in State of XXXX XXXX : Where the State of XXXX, and Wellsfargo is n't inforcing the Law 's of the U.S.C 's Homestead declaration on my property : ( XXXX XXXX XXXX XXXX, XXXX, XXXX / XXXX important ' notes '' XXXX, and XXXX as well XXXX US State XXXX XXXX the U.S.Constitution on Homestead declairation right on single family homes, and single person 's married or not. // [ In the community property states, the rights of the surviving spouse are less predictable. If thehomestead property is owned as joint tenancy with rights of survivorship or is community property, the surviving spouse retains an interest in the homestead property in his or her own right. InXXXX, XXXX and XXXX, single persons and married couples have the same exemption.XXXXIn such cases, the death of one spouse may have little effect on the protection afforded thesurvivor. When the homestead property is titled in the decedent 's name only, however, the surviving spouse will be left in the same condition as surviving spouses in common law states. Of the community property states, only XXXX squarely addresses this issue and passes the community property interest with the homestead exemption intact to the survivor free and clear of any liens ] [ XXXX ; the { U.S.C. ) Homestead $ 500,000.00USd exempted even on moblehomes, Manufactored homes.. '' they regisrered my home as a manufactered home with wellsfargo court order, changing the status from single family resident.. '' destoying tax records in XXXX XXXX XXXX ; and destroying my deed to my property../ now i understand wht the U.S Department of Hospitol had me file as well to inforce my utility bills were legal in my names as i have all ways lived single.. ; Wellsfargo Bank XXXX, XXXX XXXX XXXX 's XXXX XXXX is dead, XXXX XXXX XXXX that she is : where 's the death Certificate from XXXX Bank? on XXXX XXXX, XXXX people are stating this in that court order ; from what I know there 's life insurance coveing here det 's ; And I 'm the hier on the XXXX XXXX XXXX XXXX XXXX XXXX not those that ran with money. " on her life insurance policy., : XXXX ; XXXX XXXX '' I ask him if his name the XXXX time if it was XXXX, and the XXXX time he said it was XXXX, the ID caller says it 's XXXX? that 's suppose to be working for Wellsfargo bank N.A.?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My attorney recommended that I work toward re-building my credit after XXXX and a Bankruptcy filing. I opened a secured credit card with Wells Fargo with {$1000.00} and a debit account based on a checking account with Wells Fargo. While traveling to Oregon, one of the two cards was misplaced and I could not find a bank obtain a new card and so just closed the lost card and never used any Wells Fargo accounts after the loss. 
Subsequently, when I applied for a loan to purchase a house, I discovered that I had eight ( XXXX ) accounts open in my name and as a result did not qualify to purchase the house because of " bad credit ''. This was all before the scandal of Wells Fargo opening accounts for people without them knowing about the accounts in their name. The fraud on the part of Wells Fargo has cost me personally in excess of {$50000.00} in moving costs, rent payments etc.

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 2015-05-18 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Security finance in XXXX, TX keeps coming to my place of employment, demands a payment right then and there. I can not pay so they tell me to make a promise of payment, I tell them I do n't want to promise what I ca n't deliver, the lady XXXX then gets louder and causes a scene in my office in front of co-workers and my General Manager. My GM has asked her XXXX now to stop coming up here and causing a scene, the XXXX time he asked I was out if the office and she told him she was here to collect a debt on an unsecured loan and gave him the notice to put on my desK on Friday XXXX XXXX. Today they show back up I inform her that I will lose my job if she throws a fit and causes a scene in front of customers and employees she said I signed a contract that states they can come to my job and ask for a payment whenever I 'm late. I told her that they have been informed by me and my GM not to show up again to collect a debt she was about to leave and threatened to take my to court, by stating " That 's fine XXXX we know you make promises and never keep them so we will get our money XXXX way I 'll just see you in court ''. That happened inside so that several coworkers and employees heard her. I told her she was violating the FDCPA regulations and she told she could cause I signed a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One canceled my current Quicksilver Visa card because they claimed to ha e shipped me a replacement card. I had never received the replacement card and discovered my current card was cancelled when I could n't complete a {$20.00} transaction. Nobody had ever contacted me to tell me the card was going to be shut off and a replacement issued. Since I am a truck driver this situation was unacceptable as I need my card on the road. I called into the company received their explanation and was told a card would be overnighted to me. I was skeptical but took them for their word. I then got a call back 15 minutes later saying that I would not, in fact be receiving my card the next day ... Monday but would receive it Tuesday. Tuesday came and still no card. When I called in again I was assured that it was shipped and would arrive be Wednesday. However the company could not provide me a tracking number which leads me to believe it was never shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
to whom it may concern : I got a line of credit loan from Wells Fargo. I was paying prime plus XXXX for several years. All of a sudden the jumped up to prime plus 8 % for no reason. I need help with this. I do not feel this is fair. I called to see if they disclosed to me the min and max amount. They said they do not provide anything in writing. They only do this verbally. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I fell behind on my mortgage serviced by Wells Fargo Home Mortgage after being forced out of my home by an XXXX. I moved back into my home last year only to be very surprised my partner had not paid the mortgage. In order to correct this issue, I hired an attorney to help me apply for a loan modification. I was approved by Wells Fargo Home Mortgage in XXXX 2016 for a trial and new payment of {$520.00}. I was then asked by Wells Fargo Home Mortgage to supply information to clear my title of " recorded liens '' on or about XXXX 2016. Wells Fargo Home Mortgage provided my attorney with a preliminary title report from XXXX XXXX XXXX XXXX. My attorney has a very experienced staff that recognized the liens that Wells Fargo Home Mortgage were asking to be cleared from the title were NOT recorded and were only showing up on the preliminary title report as a possible lien. My attorney obtained lien releases directly from the XXXX County Office of the District Attorney showing the liens on my preliminary title report were in fact released and/or not the correct individual. My attorney forwarded these " lien releases '' to Wells Fargo Home Mortgage and Wells Fargo Home Mortgage has refused to accept them. My attorney then contacted XXXX XXXX XXXX to find out why the lien releases were not accepted and XXXX XXXX XXXX said Wells Fargo Home Mortgage has NEVER forwarded those lien release letters to them. Per my attorney who spoke with XXXX XXXX at XXXX XXXX XXXX, XXXX says the liens in question are NOT recorded and might be able to be released with just a lien release letter. However, Wells Fargo Home Mortgage has to be the one to forward the letters ( Attached ) to XXXX XXXX XXXX XXXX in order for them to consider removing the liens from the report. My attorney explained to me that their office has been trying to explain the situation to WFHM now for two months and we believe the problem comes from WFHM inability to accept anything except what was originally " Wrongfully '' requested by their underwriting. Which is a " recorded lien release ''. This is all part of Wells Fargo 's FRAUD they commit when dealing with people. They manipulate, block and evade correcting a situation that they can solely to impede and prevent people from getting assistance. I am told this is illegal and fraudulent to evade assisting a home owner who has requested assistance. Wells Fargo 's blatant disregard to even look at the situation is evidence of their MASSIVE FRAUD they keep doing to their account holders.

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 2016-01-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX. The dealership facilitating the financing with Wells Fargo Dealer Services. I have made several requests for the Credit Score Disclosure to be provided to me, to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
According to the previous mortgage statement the PMI has deceased but Wells Fargo informed me with an incease monthly payment. Wells Fargo reported to the credit bureau inaccurate information regarding the mortgage account. According to Wells Fargo customer services representive and credit bureau money schedule to be paid at the end of the mortgage. Additional information for the case I previous filed.

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 2017-01-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The company applied a large interest charge to my account and since that charge has been charging interest on top of the charge. I have tried three times to resolve this issue. Each time I have spoken with the company, they have sent me letters and said they have provided documentation that I agreed to the terms. They have not sent any documentation. I wish to settle this charge with penalties to me as they do not have any documentation that I agreed to the terms and are being dishonest. The last call I had with the client the woman boldly lied to me and said she was looking at the agreement I signed. I never signed an agreement, she then said she would send it, they sent nothing but letters that said there were enclosures and there were not. I called back multiple times and no one will call me back.

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 2016-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I live on XXXX, XXXX ( XXXX County ) and have banked with Wells Fargo Bank. I resolved a lawsuit in XXXX County, XXXX involving attorney fees ( involving a dispute over real estate in XXXX ) by agreeing to a Consent Judgment. It was my understanding that the creditor/attorney would have a lien on my interest in the realty that would be sold down there in several months. Nonetheless, the creditor/attorney immediately obtained a Writ of Garnishment from the XXXX court and levied my bank account with Wells Fargo Bank even though I live and work in XXXX. I was under the impression that the foreign judgment had to be " domesticated '' or transferred to XXXX before Wells Fargo could freeze my account. In any event, I believe Wells Fargo Bank is violating my rights by honoring the foreign levy of my bank account that has approximately {$3700.00} and affording me my exemption rights under XXXX law. As of this writing, I have not yet received any legal papers regarding the garnishment.

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 2016-12-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I have been working with Selene Finance for almost a year now. We started a loan modification which started in XXXX 2016 in which the first payment had to be {$1700.00} and sent by XXXX or XXXX XXXX. They received that payment. The next payments from XXXX to XXXX were {$890.00} and they were paid {$890.00} every single month. I got a call from the agent that was working with me throughout the modification in XXXX asking me when my payment was going to be made so they could go ahead and finalize my modification as soon as the payment was received but that never happened. What I got was an excuse that they were too busy to finalize my modification. After the final payment while I was waiting on papers in XXXX that never came I sent it my original payment of the {$630.00} being that I had not heard from Selene any more except for receiving a foreclosure letter during the modification which I was told to ignore and they do n't know why it was sent. When I sent in the original payment I got a call stating that if I wanted them to finalize my modification I needed to send in an additional amount of {$250.00}. I asked them to send me a letter stating the foreclosure was in error before I sent in anything and I got that on XXXX XXXX, 2016 by XXXX XXXX. It also had a letter attached with XXXX XXXX who was listed as Team Lead. However even after making that payment I never received my modification papers or even heard anything else from Selene until XXXX XXXX from a XXXX XXXX. I was told the morning of XXXX XXXX, 2016 that a letter had been mailed out to me on XXXX XXXX, 2016 stating that I needed to make my payment in order for them to continue with my modification. I gave XXXX the payment over the phone that same day during this particular conversation only to pull a letter out of my mailbox on XXXX/XXXX/2016 saying I would not be getting my modification. I paid every payment during that trial period exactly the way I was told every single month. I got the run around for 3 months and this company who I had read at least XXXX complaints about the same exact experiences and this company continues to get away with the same tactics on taking people 's homes. I 'm not understanding how they continue to keep getting away with this to people they are suppose to be trying to help. We did everything that was asked and here I am reeling about trying to save my home when this is what I thought I had been doing for the past couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
We have been trying to obtain a loan modification from Wells Fargo. We have a previous complaint number on this case ( XXXX ). We were told to contact the bank today on XX/XX/2017 as the investigation would be complete. We contacted the Executive Resolutions Specialist today. He informed me they have extended the investigation to the XX/XX/2017 which is the scheduled sale date of our home. He informed me he would contact me on XX/XX/XXXX and that he could not and would not stop the sale of our home. His name is XXXX XXXX at Wells Fargo Executive Resolution Center in Iowa. They are performing dual tracking, misrepresentation and fraud. We are begging for help in this matter.

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