vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX XXXX, 2016 I wrote a check to Wells Fargo Home Mortgage for the amount of {$1000.00}. The amount was written out in words on the legal line and also in numbers in the amount box. Wells Fargo 's processing center processed the check for {$6000.00} on XXXX XXXX, 2016, which is an additional {$5000.00}. It overdrafted my account. This is a banking error. I contacted XXXX at the XXXX XXXX, PA bank and he reversed the check. It was resubmitted on XXXX XXXX, 2016. I contacted XXXX again and the same scenario occurred. It has since been resubmitted again on XXXX XXXX, XXXX XXXX, and also again today on XXXX XXXX. Every time I contact them to resolve the issue, they do not. I also contacted the home mortgage company and they told me they would charge ME {$35.00} to stop payment on THEIR mistake. I spoke with an attorney at Legal Aid in XXXX County, XXXX. She directly spoke with the bank manager XXXX at XXXX XXXX and he told her it is just a " bandaid '' effect and what he does only lasts for 24 hours. Therefore, it continues to happen over and over. I am beyond frustrated, want to close my account and ca n't because I have no money available, and I also can not get groceries or my XXXX daughter 's XXXX because every time I go to the store, my account is overdrawn and I can not access my fund. No one seems to care, at all, that this is happening. No one resolves the issue. I need legal help and also to file this claim because this has to stop NOW. I am a recent widow on social security and my social security is going to be affected. I 'm also receiving notices in the mail from all the companies I had automatic payments coming out of who I will now have to take the time to argue with to not charge me their overdraft fees and not affect my credit score. Once the credit score is damaged, it 's damaged. There is no reversing that. This is ridiculous!!!

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Bank pulled my credit without my permission and refuses to remove the inquiry from my credit reports even though they have admitted it was an error on their part. I want it completely removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My car was totaled on XXXX XXXX, 2014. I was hit from behind by a girl who was probably texting. My Insurance company took possession of my totaled car immediately and paid me off on XXXX XXXX saying, in writing, that as part of the settlement they were also paying off the balance of my car at Wells Fargo Dealer Services. Apparently there had been some change in the payoff when they sent the check and Wells Fargo sent it back to them. They did not pay off my car on time and I actually had to make another 2 payments on the car, which they reimbursed me for. A manager at Wells Fargo Dealer Services named XXXX assured me, XXXX XXXX and my attorney in a conference call that he would have the bureau corrected and it still has not been done. This month marks the 1 year point since I was hit and next month will be 1 year since they put this ding on my credit, reducing my score from XXXX to XXXX. I now need to buy another car for my family and am going to have to deal with the interest rates afforded for a much lower score than mine should be, due to no fault of my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2012, I filed for bankruptcy. Do to a hardship, I applied for a loan modification on my home with Wells Fargo Bank. After months of repeated document exchanges and getting them notorized, I was given a 3 month trial payment plan. During initial application of loan, I submitted a letter with information from the XXXX Bankruptcy court in which they stated that they were not interested in home loans and should be between the lender and borrower. The court would become involved if mortgage increased. The modification was approved, but after making my first modified payment the modification was withdrawn due to no court approval. The attorney in my case verified the courts position.

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 2016-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX separate Wells Fargo Banks in XXXX, Texas refused to cash a check written on a Wells Fargo account and I have an account at Wells Fargo since 1996. The XXXX at Wells Fargo Bank located at XXXX refused to cash this check from XXXX, XXXX which was written from their WF account to me and I have a history of depositing and cashing those checks. I also had available funds in my XXXX account to cover said check. I strongly feel this is fraudulent on the bank 's part. The XXXX stated that he could not verify the funds but I know for a fact that the check had already posted as " verified '' from XXXX because the accounts payable department does that automatically when the check is written and I spoke directly to that department when the XXXX stated no one could verify the funds. The XXXX stated my only option was to deposit the check and wait for the funds to be verified.

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 2016-03-23 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Invested for retirement in a Wells Fargo time account CD XX/XX/2008. I have attached original documentation. Branch manager as well as corporate office have no information/record on this account or where money went. No details about this account other then rolled over XXXX/XXXX/2008. No other record of 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 explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo continues to collect overdraft fees on my checking account even though I have requested a freeze as there has been money illegally taken out of my bank account after I had written XXXX checks. i call and ask for solutions and they are unable to assist me in any way. I have experienced poor customer service, a significant amount of money collected by them and no consumer protection from Wells Fargo. 
I deposited a check last week and ws not informed a hold would be placed on the funds so wrote another check. They collected more overdraft fees as a result of this and will not look into the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I SAW PROMOTION FOR CREDIT CARD ON XXXX FOR WELLS FARGO CASH WISE CREDIT CARD ON XX/XX/2017. THIS PROMOTION WAS SHOWING THAT CUSTOMER WOULD SPENT {$1000.00} IN FIRST 3 MONTHS OF OPENING ACCOUNT GET {$150.00} & ALSO 1.5 % BONUS ON TOTAL PURCHASE. I SPENT {$1000.00} IN FIRST MONTH STATEMENT. I RECEIVED MY FIRST STATEMENT RECENTLY, BUT I DID NOT FIND ANY BONUS OF BOTH AS PER PROMISE BY WELLS FARGO. I FEELS THAT IT IS A SCAM BY THIS BANK. ALTHOUGH I FULFILL ALL REQUIRED CONDITIONS TO GET BOTH BONUS. THIS BANK WAS KNOW FOR LOT OF FRAUD IN MEDIA IN PAST. CEO OF THIS BANK APOLOGIES IN PAST IN SENATE AND MEDIA FOR THOSE FRAUDS.I DO NOT TRUST THIS BANK FOR MY BONUS.CUSTOMER SERVICE OF THIS BANK IS VERY BAD & RUDE.

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 2015-12-17 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On Wednesday, XXXX XXXX, 2015, I agreed to a settlement with Cashnet USA for a loan I foolishly got several years ago. The agreement was to pay {$250.00} from my debit card that ended with XXXX on XX/XX/2015. I received a reminder e-mail about the arraignment on Monday, XXXX XXXX, 2015, and so in an attempt to be proactive I went to their website and made a one-time payment of {$250.00} using a different debit card. 

I ignorantly assumed that they would receive the payment, close my account, and leave me alone without me having to call them back but I was wrong. Their " system '' should have been smart enough to do that. 

Instead, they charged the debit card that I used Monday for an addition {$250.00} today, although I have XXXX e-mails stating I authorized them to only debit the card ending in XXXX, not any other card. When I called them, they contend that since I used a different card Monday that their " system '' updated my profile to that card and voided the original agreement that listed the card ending in XXXX as the card that I wanted to use, even though they sent me no notification to that effect. The ridiculous part about that contention is if the system is smart enough to update my records to a card I did not authorize to be used on the XXXX then the system should have been smart enough to know that I had already made the payment on the XXXX to satisfy my agreement. 

The use of XXXX credit card does not automatically entitle that company to void an existing agreement to use another card at a later date, and this is simply an attempt to steal more money from me. 

I want the {$250.00} back that they stole from me by debiting a card that I did not authorize them to use. This is a very deceptive business practice and they should discontinue it immediately. They should not be able to hide behind " systems '' when debiting accounts. I believe they simply are using this as an excuse to try to bill people money that they did n't agree to pay. This is quite despicable!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I paid my payment on time & they sent in info to credit agency that I did not, I have proof it was paid on time but the refuse to remove it & even made it now show 60 days after I filed complaint to have it removed. They have place many 30 day late payments on my credit I should not have & they will not remove, you can see they even have charged my fees even after it shows it was paid at the time. This is more of Wells Fargo criminal activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo solicited an application for a Home Rebate credit card. The employee who solicited the additional business from us misrepresented the terms of the card. 

He clearly and repeatedly said that the card came with a {$0.00} balance transfer fee, and confirmed it in response to my written question. Here is a chronology of his contact with us. I have the complete records in my files. 

Wells Fargo credit card offer timeline XXXX XXXX, 2013 - Husband receives a call from employee in the XXXX office. [ We had never heard of him and had not been in contact with anyone about the matters he wanted to discuss. ] He reviews our current business and says he has a good offer that will save us money : Among an assortment of several other dubious offers, he said that we could transfer a portion of our HELOC to a new " Home Rebate Credit Card, '' for which we are prequalified because we are " such great customers. '' The credit card will be 0 % interest for 12 months. 

Husband says to call me ( wife ). 

XXXX XXXX, 2013 - After I turned down the other offers the employee offered a " Home Rebate Credit Card '' that will rebate a certain amount of cash against our home mortgage. The interest rate on the card would be 0 % for twelve months. I asked about the balance transfer fee. He said it is {$0.00}. 

He then asks about our retirement fund assets and proposes that we bring our statements in for a review. 

I ask to see the credit card terms in writing. He says he will email them. 

He sends an email requesting certain documentation for the credit card application ( which I donot send but he finds the information within Wells Fargo 's own records ) and including a credit card disclosure statement. The disclosure says that there is a balance transfer fee of 3 %. I emailed XXXX questioning the discrepancy between the {$0.00} fee he represented and the 3 % balance transfer fee in the disclosure statement. 

XXXX XXXX, 2013 - He emails back that the fee is {$0.00}, which he writes, " was in the offer and will be in the disclosures that are being mailed to you. '' I still did n't see the XXXX balance transfer fee in what he sent, but decided to wait and see what the disclosure that comes with the card will say. 

A week or so later - The card arrives. Not only is the balance transfer fee not {$0.00}, it is 4 % -- higher than the 3 % in the disclosure that was sent. I made several calls to Wells Fargo to inquire about the discrepancy and was informed that there were no 0 % balance transfer fee offers and that I must have misunderstood. 

In the end I made a huge fuss, wrote to the manager and cc 'd XXXX XXXX, among others and received " an exception '' to allow me a 0 % balance transfer. My problem was solved, but I wonder if similar misrepresentations were made to others.

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 2016-04-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The XXXX XXXX union cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect my credit, the credit union is during nothing to correct the issue other than emailing every day and not the affected company 's XXXX fit the problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a cosigner for my sons private student loans through Wells Fargo. My wife and I refinanced our home to pay off the loans which was {$71000.00}. The loans were to be paid to Wells Fargo directly by the closing attorney with the proceeds from the refinance. This took place on the XXXX of XXXX. I checked on line and and saw that a residual amount was still on the loan of {$2900.00} I called Wells Fargo Customer service and said that because the loan was in forbearance the interest was not included in the payoff. i saw i was getting no where.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I used to have an unsecured credit card who was closed on XXXX/XXXX/14 and I never knew that my account was send in collection without my knowledge. I getting some harassment phone calls from a collection agency and I am on the Do Not Call list. I am very upset about the way the Credit Union instead of contacting me directy about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX released my new account number to XXXX after I closed the account and was issued a new credit card because of unauthorized activity on my account from this same company. When I notified XXXX I had XXXX knew charges on my account from Instantcheckmate, I was told they have arrangements with this company to release new account information for reoccurring monthly billing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX and Wells Fargo are debiting money from checking account prior to the check being cashed by the recipient. Here is what is happening : 1. check is scheduled for payment via a Wells Fargo account using XXXX 2. check does not arrive at recipient for various reasons. 
3. Wells Fargo removes $ from checking account on the day the payment is scheduled in XXXX, even thought the check was not cashed. 
4. Recipient calls me to find out where their payment is. I see that the $ have been removed from my account so I am thinking their has been fraud. 
5. I call Wells Fargo to understand what 's happening. Nearly 2 hours later and after talking with several people I find out that the payment processor automatically removes money from my account on the date payment was scheduled regardless of whether the check was cashed. 
6. I believe this should be considered fraudulent activity. The payment processor was not authorized to withdraw $ from my account prior to when the recipient of the check deposited the funds to their account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Several years ago our home went into the foreclosure process ( per Wells Fargo, we were required to do this in order to be considered for a Loan Modification ). Wells Fargo took months to handle the Loan Modification process and just 3 days before our home was set to be sold in Foreclosure, they overnighted us documents of the Loan Modification and told us we had 2 days to sign or our home would be sold. In those documents we were required to take on an additional $ XXXX in debt which was simply described to us as 'fees ' and we were not provided with details on those fees. When I attempted to get documentation, they said " sign or your home will be sold ''. My complaint is that 1 ) we were never provided details on what expenses we were taking on ( although we repeatedly asked ) 2 ) We were not provided adequate time to consult with an attorney 3 ) We were bullied into signing & taking on debt or we would lose our home 4 ) Wells Fargo intentionally created the 'just in time ' event by refusing to handle our loan modification request until it was 3 days prior to 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 2015-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband and I, who were separated at the time, were expecting a XX/XX/XXXX tax refund check of {$XXXX}. My husband received the check in the mail, which was addressed to XXXX XXXX ( myself ) and XXXX XXXX ( husband ) on XX/XX/XXXX, took it to Wells Fargo bank in XXXX, CA, and deposited it into his independent account. Above my husband 's XXXX ethics in this situation, the bank violated national regulations since it deposited the check without my signature. Wells Fargo even violated their own policy that stipulates that XXXX payees be physically present to sign when the check is cashed. The bank 's response was that they were sorry, but they could not stop the check and that I should call the IRS to have the check stopped. I was unable to get through to the IRS to stop the check.

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