vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We purchased a vehicle from a local XXXX dealer and the finance manager arranged for financing through Wells Fargo ( we were not given an option as to who would carry the financing, we were just told that the deal was done through Wells Fargo ). When we received our first statement, I noticed that some information was missing from the statement because I have been purchasing cars for several decades and I am familiar with what is normally included on a car loan statement. Specifically, the interest rate and application of payments ( e.g. how much of each payment is applied to interest and how much to principal ). With this information missing from each statement, we feel that we are being set up for future fraud. We have had numerous instances in the past where we have been defrauded by Wells Fargo but just never filed a claim but because of the size of the car loan being greater than {$20000.00} we are afraid that we are being set up. Calls to Wells Fargo, your organization ( CFPB ), the New Jersey Division of Consumer Affairs, and the Federal Trade Commission have been received with nothing but resistance, incompetence, and/or ambivalence. As a result, there 's no question in my mind why Wells Fargo feels they can break the law with abandon. This used to be a country that was ruled by law. Today it seems it has become a country that is ruled by whoever has the most money. That 's not a political opinion, that 's a statement based on nothing but fact.

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 2016-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We had a home loan with XXXX that got taken over by Wells Fargo Loan Servicing LOAN # XXXX Within few months of default XXXX ( hardship arising out of reduced income for me and a job loss for my spouse and not being paid for another contract as the middle party went bankrupt and further unemployment ), I got on a forbearance agreement with WF which I paid all the payments on time overnight with return receipts but they indicated otherwise and then later sent the funds for the last check amount back saying they made an error and misapplied the payment ( INTENTIONAL? NEGLIGENCE? ). It threw us into foreclosure proceedings by XXXX trustee, we filed Chapter XXXX XX/XX/XXXX, worked a loan modification review for 6 months paying a hefty monthly fee to attorneys for loss mitigation and they did not do anything! After refreshing documents over and over the bank 's attorney showed up at the time of job change and denied the modification without any fair review or chance. This created more XXXX and affected us and our family in many negative ways. Finally after years of XXXX. I came out of it and started earning but the loan is much higher than what the home is worth and the interest rate is close to 7 %. There is no accountability and response to QUALIFIED WRITTEN REQUEST we sent, A notarized mailing of PROOF OF CLAIM we sent out to the bank and the attorneys, There are numerous issues identified in the mortgage investigation, immense mortgage fraud and issues related to assignment, robosigning, errors in the loan, etc. that questions the standing but we did not raise foreclosure defense in time in the hopes that the bank was going to provide us the loan modification and now we are cornered into a sale date railroaded by the big powers. We need answers and there is no help to obtain them - the banks are doing whatever and are getting away with lies and theft. No one is holding them accountable for the various accounting errors, misapplication of the forbearance, obligations to respond, etc. We need the bank to respond to our QWR for information and Proof of Claim. The employee of the law firm doing the foreclosure has signed on behalf of the bank to endorse the paperwork as a bank employee? They are playing games and we are losing our family home in the process when we have tried everything with them in good faith. They have forced insurance and piled up enormous amounts of penalties and fees and charges to make matters worse. We hear all these settlements and amounts Wells Fargo and XXXX are fined and will pay or be applied towards principal reduction, etc. in the news as recent as the last few months but do not know the path to seeking those 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 explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
They changed the type of credit card form a low interest rate to a higher rate card with out my approval. When I asked about it I was told that it was too lat to change it back. The person that changed it was a teller WITHOUT my consent.

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 2015-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX/XXXX/XXXX XXXX charged me in the sum of {$4000.00} for services to be rendered, on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX in the sum of {$1300.00} for services to be rendered, XXXX/XXXX/XXXX XXXX charged {$1300.00}, XXXX/XXXX/XXXX XXXX charged {$1200.00} and XXXX XXXX, XXXX XXXX {$3400.00} to my Wellsfargo card. 
The issue here is that I have been victimized by XXXX along with several other companies and their blatant misrepresentations. The fact is that we did not receive what we were guaranteed I received a vague contract and were left to rely on the representative 's integrity. I told the sales person repeatedly that I did n't think we could do this and I were promised repeatedly that they would generate leads and get our business started ; I paid and trusted them only to be left stranded. This is a scam! The " Virtual Platform '' was sold as a " business opportunity ''. I tried several times to get our money back and literally begged ; instead I received different sales people and a new sales pitch. I never received the services that were described at the time of purchase. I have looked into this company since then and found out that they have multiple complaints with the Better Business Bureau that sound exactly like our situation. This company has a long record of lying and taking advantage of people just like they did to us. 
Neither company has refunded our money. I contacted the merchant directly to no avail. These are NOT billing disputes. This is a matter of not receiving the products and services that were described to me at the time of purchase. Please have the bank investigate these charges so I can get my money back asap. 
THANK YOUXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC
State: WI

Complaint narrative:
I received two messages from XXXX, whom called from a local number XXXX on XXXX and XXXX in her message she Indicating I needed to call her immediately before she proceeds with legal action against my name and social security number, she did not leave the name of her company however asked to call XXXX ext XXXX. 

I did call the number and a gentleman explained that they are collecting a debt on behalf of their client in the amount of XXXX. He would not provide the company name or any other information. He did agree to send a debt validation letter. What is concerning is the address for the letter is to a XXXX and the current creditor is from a company I have had no contact with either by phone or mail. I XXXX the phone number and found numerous complaints on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I made a home equity mortgage payment per telephone. The company in question is Wells Fargo. My payment was eight days past due, but still within the ten day grace period during which no late payment penalty is assessed. The representative informed me that I owed the past due amount in addition to next month 's payment. 

In other words, he wanted me to pay twice the amount I was prepared to pay that day. I told him that I only wanted to pay the past due amount for the month of XXXX. He responded that scheduling a payment in advance for the month of XXXX at this time would save me the trouble of paying in XXXX. Again, I told him that I did not desire to pay in advance. Finally, he said that it " would be okay, '' reconfirmed the amount of my payment : {$660.00}, and provided me with a reference number for the transaction. 

I thought the matter was settled, until I checked my bank statement later and found that the Wells Fargo representative had used my credit union 's banking information, which I had provided ( account and routing number ), to debit two monthly payments for a total of {$1300.00}. I immediately called Wells Fargo, explained the situation and upon escalating the matter was told by a supervisor that I had two options : ( 1 ) wait for a cashier 's check, which takes about 30 days, or ( 2 ) open a checking account with Wells Fargo, from which I could withdraw the money in a shorter amount of time. 

I emphatically declined, saying that I never authorized a double payment and that it was incumbent on the part of Wells Fargo to rectify the situation. I explained that I budget my expenses by month and can not afford to make double payments ever. The matter was therefore further escalated to the " executive '' level and I got to speak to " higher level '' manager. She gave me her telephone number and extension, asked me for mine and said that she would look into the matter herself.

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 2015-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Dealer Services repossessed my vehicle so that they can resell it to make more profit. On XX/XX/XXXX, I sent Wells Fargo Dealer Services a fax explaining my circumstances for been late on my payments. I also made a post dated payment on that fax for {$1100.00} for XX/XX/XXXX. I called and spoke to the manager handling the account on several occasions to confirm my payment arrangements, yet Wells Fargo Dealer Services decided to repossessed my only vehicle that takes me to work and move my family around on XX/XX/XXXX. Wells Fargo Dealer Services insisted that I pay almost {$8000.00} to receive my vehicle that I only have less than {$5000.00} to pay-off XX/XX/XXXX. I have paid almost 97 % of the loan on my vehicle, and should be paying-off my vehicle in XX/XX/XXXX. 
Even though, I am always late on my payments, yet I paid my outstanding balance and late charges. 
Please assist to have Wells Fargo Dealer Services return my vehicle, I will pay {$2000.00} towards my outstanding balance, and will not be late on my remaining payments of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My wife and I took out a consumer loan with Wells Fargo National Bank XX/XX/XXXX. The loan was repaid by XX/XX/XXXX. We missed paying it back in a year by 10 days. Wells Fargo Bank said we owed {$480.00} interest. I paid {$250.00} in XX/XX/XXXX and planned to pay the remaining balance in XX/XX/XXXX {$7.00} interest was added to the XX/XX/XXXX balance of {$230.00}. My question is why are we being charged interest on interest?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed A unauthorized debit on my wells fargo account the same day it was done and they close the case the next day saying that the debit was authorized on that day. according to their policy I was covered by Zero Liability protection, which mean I would not be held responsible for unauthorized transaction if reported promptly which I did the same day it was done they also said in my dispute that I said I was charge the wrong amount I did not tell them that I said unauthorized debit also I was told there no need to change or deactivate my card at this time but I feel it should have been because the company has my card number and already made XXXX withdrawal. I have been given the run around about my account on this withdrawal of {$160.00}, there was A second complaint file with this bank about a Bill pay account that I have with them set up years ago they handle for me on XXXX XXXX 2016 {$680.00} was taken out of my account sent to XXXX, but XXXX said they never received it i call my Bank and was told at first that I would have too locate the funds myself, I ask for A manager was put through to someone else and he said it would be investigated it would take about 10 business days, I have trusted Wells Fargo to handle my mortgage payment for the past 14 years but since the original account holder XXXX Bank change to XXXX the problem began. my account show that sent my payment was sent online XXXX XXXX, 2016 this one is still under investigation. I had to make an additional payment in XXXX to keep from being charge with being late. So a check was also sent to XXXX for {$680.00} now there is XXXX payment made in XXXX no Payment made XXXX but show I do not owe till XXXX my money for XXXX was deducted on XXXX XXXX, 2016 not applied to account at all.

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 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Here is a brief recap of an issue that has been going on since XXXX XXXX XXXX mom and dad are XXXX year long wells fargo customers with XXXX accounts at wells fargo. 
My mom died in late XXXX XXXX. Wells fargo was notified in early XXXX XXXX. 
My dad has been incapacitated/incompetent since XXXX. He has XXXX, XXXX with XXXX, XXXX, XXXX. My dad was in a XXXX XXXX unit from XXXX XXXX to XXXX XXXX. My dad is currently in XXXX XXXX and needs help with all daily activities. My dad is not mobile and can not come into a branch. He is not able to execute a new power of attorney. 
My dad executed a Durable Power of Attorney in XXXX signed by XXXX witnesses. This is legally valid in CA. 
Wells Fargo refuses to recognize the DPOA and refuses to add me to all of their bank accounts. My dad can not and has not done any banking activities since XXXX. 
I need to be added to my parents accounts per the power of attorney to pay their federal taxes, pay my dads outstanding medical and other bills, pay for house repairs such as a new roof, electrical, plumbing, etc., and pay for my dads private pay XXXX XXXX costs that will hit in XXXX XXXX. 
I have gone through Wells Fargos local branch personal banker, local branch manager, district manager, legal department, beneficiary department, social care team, resolution team, and emailed all executives I could find. I have no choice but to file this complaint. 
My mom executed a Transfer on Death form with Wells Fargo - the branch provided her the form shortly before her death. It was not able to be filed as she was hospitalized/died a few days after executing the form. Wells Fargo now claims she used the wrong form. However, Wells Fargo GAVE her the form. 
I have shown Wells Fargo : Original Power of Attorney, My dads original signed social security card, My dads original non expired photo military id, My dads drivers license, My dads medical bills and other bills, My dads medical id cards, My moms original will, the Transfer on Death form my mom executed, the original death certificate for my mom, and more. 
On XXXX XXXX, XXXX Wells Fargo District Manager said I would be able to be added to my parents accounts per Wells Fargos legal department ruling. I went into the branch on XXXX XXXX, XXXX to accomplish this. Wells Fargo refused after a discussion with legal. 
As of XXXX XXXX, XXXX, Wells Fargo has refused to recognize the Power of Attorney and has refused to add me to my parents accounts and has refused to give me the Transfer on Death 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 2017-01-17 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services
State: SC

Complaint narrative:
This person has called me and my family numerous times threatening to come to my place of employment and to take me to jail if I did not comply with their debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I opened and a SECURED self-funded credit card with {$400.00} at a Wells Fargo Bank. I never used the card. I did pay the annual {$25.00} fee. On XXXX/XXXX/XXXX I phoned Wells Fargo and cancelled the card. It was agreed that I had never used the card and had authorized no recurring charges to occur on the card. The balance ( minus the annual fee ) was intact. I was told that it would take 45 to 60 to release my money. I find the 45-60 day delay in refunding me unacceptable as the card was immediately voided and as it was a secured self-funded credit card had no liability to Wells Fargo Bank ever. Wells Fargo 's written terms for holding the the balance states it is " to cover transactions that may be posted to the credit card account after it is closed '' which makes no sense. 

I would appreciate CFPB to investigate this practice at Wells Fargo bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
on the year 1995 I when to the bank wells fargo bank to make a deposit for XXXXand the person who help me with my money he tell me that I need to leave mymoney for one year so on the same year I have a problem with XXXX theytook my XXXX to come back to XXXX XXXX so I stay in XXXX for one yearso the next year I come back to XXXX XXXX so I lost my XXXX my letter from the bank orany information about the acct so I do n't have any information I when to the bankand I ask for my money they tell me is nothing or any record with my money or my namedor social security number I leave the bank very mad because no body tell how I can getthis money back so the time when on and move from XXXX about 5 years agoand I was going truth my paper and I was take out all the trush and I found informationfrom the I rs information about my money and I have XXXX also my old checking bookI star wirh the company XXXX company they said they do n't have any acct with thewells fargo bank I need to call them about my money and I have a bout 5 monthsand they said the state have because after 7 years they use the money they sand to thestate the state said the bank have a number or when they send to the state I fieldthe no body whan to tell me happen with this acct but I know I make this deposit and I was in here to make any decision on this money so I need the some body have torespond me about this matter I need to find where is this money I know is going to be 20years ago but the matter is the I make this deposit I have a person who when with mewhen I deposit this money and when I ask for this money she was with me at the timeso I need my money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XX/XX/2016, I applied online for a refinance with Wells Fargo Mortgage. Documents requested were submitted through the online portal. I was requesting some cash out to satisfy another loan as well, so the total amount requested was around {$110000.00}. As I monitored my application online, I noticed that the amount requested increased to {$110000.00}. I emailed the contact I was given, and inquired as to why the increase, since I had not requested it. I was told that amount would consolidate all my mortgage debt. All documents required for a decision were submitted, and I received a conditional commitment letter for {$110000.00} ( please see attachment ). I also paid for an appraisal. After the appraisal was received, I was told that it came in too low, so consolidation was not possible. I asked about a refinance to a lower interest rate with no cash out or a HARP loan, and I was told that was not possible either, since I had a home equity loan. I then asked why was the loan a home equity, but got no answers. I received no copies of loan documents, nor have I received a final denial or approval letter. All documents that I submitted online have been deleted.

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