vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I BOUGHT A USED XXXX HYUNDAI SONATA SEDAN VIN NUMBER IS XXXX.FROM PLATINUM PREOWNED LLC, FINANCED THROUGH WELLS FARGO DEALER SERVICES ON XXXX/XXXX/XXXX, THE TEMPORARY REGISTRATION WAS DUE IN XXXX XXXX XXXX, ON THAT DATE THE PERMANENT REGISTRATION WAS NOT SENT TO PENNDOT THE DMV FOR PA, I WENT TO THE DEALER AND THE DEALER IS PLATINUM PREOWNED LLC, XXXX XXXX XXXX XXXX XXXX, PA.THEY CALLED WELLS FARGO DEALER SERVICES. MY ACCOUNT MANAGER SAID THEY HAD YET TO SEND THE TITLE TO THE DMV, I SHOULD DRIVE THE CAR IT IS STILL LEGAL, I CALLED THE DMV MYSELF AND THEY RAN MY VIN NUMBER THROUGH THE SYSTEM AND SAID THE VIN IS NOT IN THE SYSTEM BECAUSE THEY HAVE NOT GOTTEN THE TITLE FROM WELLS FARGO DEALER SERVICES, I AM A TRUCK DRIVER AND I ASKED PENNDOT THE DMV IF IT IS LEGAL TO DRIVE THE CAR THEY SAID NO, IT IS NOT REGISTERED. IF I DO THAT MY LICENSE WILL BE SUSPENDED. SINCE XXXX I HAVE BEEN MAKING MY MONTHLY PAYMENTS TILL TODAY AND I HAVE NOT BEEN ABLE TO DRIVE THE CAR FROM XXXX XXXX XXXX TILL XXXX XXXX, I HAVE CALLED THE SAME THING THEY SAY THEY ARE SORRY AND STILL THERE IS NOTHING THEY COULD DO AND I TOLD THEM THAT OK IF THIS IS WHAT IS GOING ON, WHY AM I PAYING FOR WHAT I CA N'T USE? AND IT IS NOT MY FAULT BUT THEIR FAULT FOR NOT SENDING THE TITLE TO THE DMV ( DEPARTMENT OF MOTOR VEHICLE )?. THEY SAID THEY WANTED TO CHANGE THE NAME ON THE TITLE TO MINE AND THEIRS TO REFLECT THEY ARE THE FINANCIER, AND I ASKED THEM IF THEY HAVE BEEN TRYING TO DO THAT SINCE XXXX AND WHEN MY TEMPORARY REGISTRATION IS DUE IN XXXX, AND I HAVE BEEN MAKING PAYMENTS EVEN WHEN I COULD NOT DRIVE THIS CAR SINCE XXXX AND I COMPLAINED AND TOLD THEM I AM NOT ABLE TO GET TO WORK THAT IS MY MEAN OF TRANSPORTATION AND AM STILL PAYING OUT OT POCKET TO FIND FRIENDS TO TRANSPORT ME TO WORK WHICH IS LIKE XXXX MILES BOTH WAYS. THEY WILL TELL ME THEY WILL MAKE A NOTE AND THEY STILL CHARGEED ME LATE FEES WHICH I PAID. I CALLED AND SPOKE TO XXXX IN TITLE DEPARTMENT, XXXX, XXXX THEY ALL TOLD ME THERE IS NOTHING THEY CAN DO, THEY ASKED ME TO CALL XXXX XXXX, I CALLED AND I SPOKE TO XXXX AND SHE SAID WILL SEND OUT AND EMAIL AND CALL ME BACK, SHE NEVER CALLED ME BACK NO ONE CALLED ME BACK. WELLS FARGO DEALER SERVICES CALLED THE DEALER I BOUGHT THE CAR FROM AND ASKED THEM TO COME AND REPO THE CAR FROM ME THAT I DID N'T MAKE PAYMENTS. WELL FARGO DEALER SERVICES SENT THE TITLE TO THE DEALER FROM THEIR NEW YORK OFFICE AND THE DEALER GOT THE TITLE ON XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We are applying for a loan modification in California from Wells Fargo Home Mortgage. Further documents were requested with a due date of XXXX XXXX. We attempted to make a payment on XXXX XXXX and the bank would not accept it. Our most recent payment was on XXXX XXXX. They now tell us our loan went into foreclosure status on XXXX XXXX. We can only make a payment of all the arrears plus fees which we can not afford. We would like to continue making payments as we attempt to catch up on arrears following my husband 's job loss.

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 2015-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
My husband and I, Remortgaged our home back in 2005 with Well Fargo MortgageCompany. With the interest rate of 8.125 %. They have not reported nothing XXXX,, since we have had Them as our mortgage coThey, take our payment directly out of our Bank Account on the XXXX day of eachmonth. And has done this for the last 10 years. The beginning balance was XXXX back in 2005. I, have not received no Statements of how much we, stillowe, Its been about 7 years ago, since I, have seen a statement from them telling usthe amount we still owe. We have only received our yearly Mortgage Interest Statementat the year end for our yearly Income Tax Report. We get our Bank Statement each month showing our withdrawal from Wells Fargo where they where they have taken the money our of our account .The rate has been 8.125 % since we have had themortgage with Wells Fargo XXXX Even when ever body else was paying 2.5 %. 
Not getting no monthly statements, or not reporting XXXX that our credit score could be a lot better. 



Would Appreciate any help that we could get. 

Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I owned a condo in XXXX and had decided to rent it for two years. In XXXX XXXX my tenants stopped paying rent and I was not able to pay mortgage since sine was the income I relied upon. At this time, I also had the property listed for sale and was receiving many offers and knew a deal would close soon. As soon as I knew I would have a problem paying mortgage I called Wells Fargo to see if there was anything they could do to assist. I had been a loyal customer for 8 years and had never missed a payment once. I was told that since the property was listed I did not qualify for any of their assistance programs. I received calls day and night from Wells Fargo representatives trying to collect the debt and each time I spoke with the representative I explained the situation and asked if there was anything I could do. Each time I was told the only resolution was to pay the debt in full or they would report the delinquencies to the credit bureaus. I was unable to pay mortgage for 4 months and as a result my credit score suffered a major hit and fell XXXX points. XXXX XXXX I called several New York State agencies trying to see if I could get help and was referred to HOPE. I spoke with one of the counselors, explained my situation and together we called Wells Fargo to see if they would assist. While the HOPE agent was on the line, we were told that nothing could be done to help me since the property was listed. In XXXX XXXX I received an email from Wells Fargo stating that I had been approved for a streamlined modification. I was surprised because the property was still listed, and for moths I was rejected from receiving any assistance and had n't applied for this modification. When I called to speak with a representative I was told that I qualified for the program because I had n't missed payments in the past. I asked why I was n't advised of this program back in XXXX XXXX when I first reached out for help and was not given an answer. Had I been advised that I qualified for an assistance program, I would have been able to work with the bank while the sale was pending. Instead I was ill-advised and as a result my credit suffered. Now that my property has sold and I want to purchase a new home, I can not do so because my score is very low. I will have to pay very high interest rates if I can even secure a new loan. I worked very hard for years to maintain an above average score and because I was rejected from a benefit I should have received I am now suffering this financial injustice. When I initially called Wells Fargo in XXXX XXXX I should have been advised what my options were but instead I was rejected and my credit suffered. Having been a loyal customer for 8 years I am shocked that the bank has neglected to service me properly and put me in such financial jeopardy.

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 2016-09-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I lost my job and was trying to find a way to work with my bank considering my line of credit. I told them I had trouble paying the minimum payment. They told me they could n't help me if my account was current, and that in order to get help, I need to owe a payment. So I did that, and then they told me I could n't qualify to get a loan or to get help because I had a delinquency. Now I am stuck, and I still can not afford the payment. I have complained to customer service, and even went into a branch where the representative was given the run around by their own customer service. I was then told in so many words that I ca n't get help until I get out of a " dead end job ''. As if I have n't tried! Then this same institution gave me an overdraft fee the same week that their exec got a ton of money after frauding people over products they did n't ask for.

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 2016-12-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
We have a small business as a gallery for 55 years. Wells Fargo provides my merchant credit card services. Wells Fargo overcharge for the monthly interchange charge. I asked Wells Fargo to verify the formula they use and return the excess money charged. This was done in writing and they closed my case without resolution. I am XXXX years old. Please help.

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 2016-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Negotiator advised several weeks ago that the variance on the value was still pending. After multiple attempts to contact the negotiator, we have not received any communications back. We have even reached out to HUD ourselves but still have no response to the status of the file and what is causing the delay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
For the second time my loan servicer, Amerihome Mortgage has failed to make payment of my property taxes in a timely manner. I do not believe they have made an on time payment for my home insurance either. We have only had our loan for 11mos. They have an impound account on our behalf for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My home mortgage services Wells Fargo does not appear to be working with me in earnest to prevent me from losing my home in XXXX Massachusets. I have been ensuring compliance on every request. They previously turned down an offer to purchase by a qualified buyer because he was under their minimum XXXX. While I did n't want to sell the house, I was led to believe that this was my only option. It has been an incredible year of stress and what appears to be an endless spiral of red tape and even confusion by Wells Fargo 's own " loan preservation specialists '' - who appear to never know anything. I just received a loan modification offer that is literally just a few XXXX dollars less than what it was. It 's unacceptable when I have already paid beyond XXXX for this house. I really need help but I 've heard conflicting statements from my bank representatives. One moment I hear I may qualify for deed in lieu - next I hear that I do not qualify. I 'm at the point where I can afford to pay a reasonable amount to keep the home but I can tell that they do not tell you anything that can help you. They purposesly keep options from you unless you specifically ask about it. Then the preservation specialist tells you they need to find out. I really need help. I know the bank could work with me just a little harder for us to keep our home. We 're not that far from having a viable program, that a XXXX bank that ruined the economy anbd received XXXX bail-outs could afford to live with for a family who has already paid over XXXX in interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I went to Wellsfargo to open business checking account and was told by the accounts executive that the system has offered to open a credit card which has 0 % APR for XXXX billing cycles.So I agreed to apply. After XXXX billing cycles I saw finance charge and called the XXXX # and was told that it was only for XXXX billing cycles. I discussed above details and send me the account opening documents and was never provided with those till date. On multiple calls afterwards I was told they do n't have any such opening document and the XXXX billing insert has the 0 % APR info. Now I have been charged a total of {$160.00} in finance charges and even if they want to refund any they are looking at the least finance charge and would refund half of it. Still no info on the opening documents. I have a lot of accounts with WellsFargo and Credit Card is the only department I have issues with and this is the XXXX time with a XXXX business ( XXXX issue was different ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My son has had theft of ID/stolen identity with this bank accounts/Debit Card at Wells Fargo. We believe my son is a victim of organized, sophisticated, organized network of criminals who are responsible for stealing money from his bank account using duplicate or cloned Debit cards with my sons # to make transactions. It is believe that the criminals conducted these charges at locations where individuals could assist them with their theft. 
We have been attempting to resolve with Wells Fargo since before XXXX. There has been no resolution as Wells keeps denying claim that anything fraudulent was done in spite of evidence to contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To whom it may concern : Years ago, I was a customer at Wachovia Bank, where I received free checking because I had a required balance in the account. Wells Fargo bought over Wachovia, and I was told I was grandfathered in for free checking. Recently they charged me for free checking, although my account has more money than I transferred. 

I believe this is illegal and unfair. Please help me. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has not allowed me to utilize the mobile app since XXXX 2016, and the only ATM in XXXX has been disabled from receiving deposits for several days. When I called Wells Fargo to discuss these issues, I spoke with someone who was happy to apologize profusely, and tell me that he would do something about it, but he never did to anything about it, and we did n't make any progress. 
Since i 've had this issue with Wells Fargo repeatedly, i 'm reaching out to you in the hopes that they will treat you with greater respect than they do me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Bank NA placed a partial Hold on a check deposited issued by the State of North Carolina. I was told that the hold was placed becasue the check might not clear the account. REALLY! The State of North Carolina issues bad paper?

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 2016-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have XXXX complaints, the first is that I believe I was discriminated against, with an XXXX credit score I received an interest rate at 5.64 %. I am unable to disclose the names of individuals in my same situation with a credit score less than mine at 3.88 % and one less than that.. My second complaint is, my daughter had a XXXX in 2015, in an attempt to assist her while she was out of work I agreed to co-sign for a refinance auto loan ( same as above ). The documents were sent with both our names, we completed the forms and sent them back. According to a auto finance rep, there was an error and documents were reset to my home, labeled with where I should sign. My daughter went to trade in this vehicle for a lease and this is when we found put that she was not on the loan contract. We also discovered that this is an issue because I am not on the title or vehicle registration. They told us I just needed to be on her insurance. The dealership could not get title from Wellsfargo, Wellsfargo said that the title is " not perfected ''. We called the original loan company, XXXX XXXX XXXX and they explained that they did not release the title to Wellsfargo, but they will send the title to my daughter. We are confused and hurt. My daughter has not gotten any credit for her excellent payment of the loan, because her name is not listed on the loan docs ( they were originally, she initiated the loan ). We are in a bind and want to know if this is legal. Also they neglected to tell us that this loan was for 72 months at XXXX. My daughter has already payed XXXX for this honda accord as she had it for three years ... Now she 'll be paying XXXX over 6 years for a car that is 5 years old. At the end of the term she will have paid XXXX for a XXXX car. What have they done? 

We called to refinance yesterday and they now say that there is something wrong with my social security number. Well I have had this social security number for XXXX years, It is the same ss # they used to approve the auto loan last year and I have been a customer for over 20 years with wells fargo, so why now is my ss # a problem, again discrimination.

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 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am a victim of the bank restructuring debits to maximize overdraft fees. 

I had an ACH transaction process on XXXX/XXXX/16 for {$1000.00} it was initiated on XXXX/XXXX/16 at the company 's website. I made a debit purchase on XXXX/XXXX/16 at XXXX for {$27.00}. When I got home I checked balances at XXXX XXXX/XXXX/16 I saw both ACH and debit I had an available balance of {$26.00}. I took pictures of screen with date and time stamp. 

On XXXX/XXXX/16 I was charged a {$35.00} overdraft fee for ACH debit and {$27.00} for debit total - {$65.00}. 

I opted out from overdraft fees. The balance should have shown a negative balance so I could have corrected it at XXXX or if it was the ACH debit which overdrew the account the {$27.00} debit should have been declined at the store. I was led to believe everything was fine with the {$26.00} available balance being shown with both debits. 

They are ripping consumers off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Last year we requested deferment of 3 months, Wells Fargo is stating that we authorized one month which we are disputing. There was no communication sent detailing the deferment, terms or the fact it was {$25.00} to process. We have been 2 months behind since then and are seeking assistance from Wells Fargo Dealer for help. 
I 've left messages with XXXX from the Executive Office at XXXX ext XXXX with no response.

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 2015-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My complaint is related to NSF fees on checking accounts. My account is at Wells Fargo, but I know there are other banks that have adopted this same practice. Several years ago, they changed the way items post to accounts for no other reason other than to maximize the fees. They purposely post the largest item first, so that the more items will be NSF. For instance - a customer has {$100.00} in their account. XXXX items are presented for payment. XXXX items for {$90.00}, XXXX items for {$15.00} and XXXX item for {$20.00}. By posting the {$90.00} item XXXX, they are able to collect XXXX NSF fees at {$35.00} totaling {$100.00}. If the posted the itmes from smallest to largest, the only NSF fee would be for the {$90.00} item ( {$35.00} ) so they XXXX the fees. My college student daughter had XXXX NSF fees ( {$100.00} ) for items on her debit card which totalled less than {$20.00} because of this practice. While I recognize that it is the account holders responsibility to keep track of their balances, this seems to me like legal predatory lending. They continue to take advantage of the people who can least afford it. They are now " fee driven '' rather than making money on " spread '' and they have ablsolutely no scruples about how they do it.

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