vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My loan originated with XXXX, it 's a VA loan. Never was I told that this loan, which is a fixed rate loan, could be arbitrarily changed to increase my payments. I agreed to {$1000.00} per month because that 's what I CAN AFFORD! I never agreed or was told that it could change at the hands and will of XXXX or Wells Fargo who bought the loan off XXXX. Wells Fargo has illegally changed the scope of my contract by increasing, mishandling payments and taking payments from my account that were not authorized. I am now paying $ XXXX per month despite having made extra payments on top of the automated payments over the past year. I got my mortgage in XXXX 2014, in the little over a year Wells Fargo has taken advantage of, increased payments and changed the loan agreement without my permission or knowledge. This was never something anyone told me they could do ... I have made several complaints and know demand the account be audited by an outside organization that caters to veterans. Am again fed up with this and feel even the CFPB does little to help. If this does not get sorted and my mortgage back to the original monthly amount I will file a complaint with Veterans Affairs, contact my Congressman and Senators until it is resolved to my satisfaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
There is a judgement against me by wells fargo bank. however on XXXX/XXXX/2016 Wells fargo took my entire check of {$2600.00} and left me with nothing in my account. I 'm a XXXX and single parent and have no way of getting extra money to feed my family and pay my bills. I 'm wiling to make payment arrangement with wells fargo.

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 2015-08-13 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: MA

Complaint narrative:
Private student loans vs. Federal student loans. This country needs to come up with the option to make private student loans converted over into Federal student loans! Us people who were foolish enough to go to college on private loan money are left with wayyyy less options than people with Federal student loans. It 's not fair. I was a naive XXXX year old kid without a clue to what I was doing and this country 's educational system took advantage of me like they are doing to thousands of others. Something needs to be done and it needs to be done now, it 's a short life on this earth, why make it so hard?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
For my non-qualified pension, in 2014 Wells Fargo took over administration. They insist on withholding Illinois income tax as if these pension payments were " supplementary wages '' and that therefore the standard exemptions are not allowed. In both law and practice, this is incorrect. In law, by all legal definitions these payments are not wages or supplementary wages. In practice, when I fill out my Illinois tax return, I am able to apply my exemptions against these payments since my qualified pension is not taxable. A letter from the XXXX addressed to me states " Wells Fargo is in error '' and that Wells Fargo should provide for exemptions when calculating withholding on these payments. Extensive correspondence with Wells Fargo has reached the stalemate as described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I cancelled my credit card with Wells Fargo XX/XX/XXXX. I received no statements until XX/XX/XXXX, when I received a bill for the yearly credit card fee for a card I no longer had or was using. I was also notified that it was late. I called Wells Fargo and resolved the problem, paid the balance with the agreement that they would send me a refund check, as they acknowledged that it was their fault, and that I had, in fact, attempted to close the account. This was not supposed to effect my credit, and I had no other late payments on any of my accounts ever. Well, I have n't checked my credit report in about that amount of time, and I now see that there 's a ding in my credit. I guess this is why it 's recommended that one checks their score every year? Hopefully it 's not too late for this to be resolved. 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 2015-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged an overdraft fee of {$35.00} dollars on the afternoon of Tuesday XXXX XXXX. However I had been to the ATM on the morning of the XXXX and deposited money into my account. At that moment there was no sign of an overdraft on my account. Later that day I received an email letting me know I had over drafted. I called the bank to clear up this mistake as clearly I had deposited money before the over draft had occurred. I spoke to a costumer service representative and was told the best they could do for me was only refund me half of the fee at the total of {$17.00}. I then spoke to his manager XXXX XXXX and was told the same. I then asked him why he could only do half if it was n't my mistake ; to which he informed me that they had previously taken and overdraft fee off. However the incident he was referring to was also because of a HUGE mistake they had done. something i should have reported in the past. I deposited my check at the Wells Fargo ATM, but it never appeared in my account. It was as if my money had vanished. I did n't realize this until i had been charged an over draft fee on a reoccurring payment i had set up with my account. I then called to see what the issue was only to realize my check had never cleared. So after their huge blunder on that they reversed the over draft fee and made me file a claim which had me wait the maximum of 10 day to have access to any of my money. I wish i could say that this only happened to me that XXXX time, but unfortunately it did n't. I had this happen to me twice with my checks that left me completely broke and late on my payments twice, and once with cash deposited at the ATM. The morality of this bank is flawed and i have read tons of costumer complains stating that they felt like they were treated like they did n't matter and thats exactly what they did to me. I just do n't understand how how they could flat out " legally '' steal money from hard working, and trusting cutomers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My sister has removed money from her N.F.C.U. account without her permission or mine. I was wondering why they can not put a hold on the account where she put the money and to take LARGE sums of money without check with me or my mother?? She has removed about {$72000.00} from my mom 's accout without permission and they are saying she has the legal right!!! I will sign any papers you wish to check her accounts like a lawyer would make me sign to check accounts!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo employees opened unauthorized accounts, transferred funds funds to and from accounts resulting in a catastrophic loss for the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I lost my home due to a fire in 2013. Wells Fargo Mortgage was given a check by my insurance company who is XXXX. Wells Fargo stated they would issue the funds according to the progress on the rebuilding of my home. My contractor was XXXX XXXX XXXX XXXX, but the checks were written To XXXX XXXX, who is the owner of the construction company, and myself. I kept telling Wells Fargo that something was wrong and hired an attorney to fire the construction company, but Wells Fargo said no. XXXX % of the funds to rebuild my house were issued to XXXX XXXX. Wells Fargo inspectors claimed my home was 65 % complete so I signed the check and handed it over to XXXX XXXX. Since then, three years have passed, and I have continued to pay my mortgage on a home that is still yet unlivable. I called the city of XXXX IN building department to review the work completed, and my home has not passed city codes for any trades men workmanship such as electrical, plumbing, framing, foundation, HVAC, plus my home was never red flagged by any one from the building commissions of the city of XXXX.I have found someone who can fix the problems, but Wells Fargo & XXXX refuse to release the remaining funds. Wells Fargo is still holding XXXX and XXXX is holding XXXX. The work needs to be done before winter and I ca n't get either company to release my own money, as I keep paying my mortgage. I ca n't pay indefinitely without any hope of going home.Wells Fargo has given XXXX different completion results since work had stopped last year,XXXX % XXXX % XXXX %? How, can my home be XXXX % complete, there is no perimeter foundation, framing has been done incorrectly. The contractor cut into the support beams to run the plumbing, which has compromised the integrity of the build. I ca n't continue to pay on a house that I ca n't live in. The funds that I was receiving for loss of use are long gone. I have n't been able to get anyone to help me resolve this situation. The contractor is no longer on the job, and has n't been for some time. He took the money and ran. I have asked for an accounting of the funds that he was given and to date, have received nothing back. Wells Fargo wo n't help me, XXXX wo n't help me, and the contractor wo n't return my calls. This is a small home, but it was my home, all I want to do is go back home. There is still some money to being held, which I feel could get me back into the shell of a home, with heat and walls and correction to the frame and foundation. I am turning to you for 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 2016-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
A check was given to me for services rendered. The check posted and was cleared. 2 months later my bank informed me that the check was fake and was returned. This check was for XXXX. Check writers bank ( wells fargo ) never contacted me to ask if person who wrote check stayed at our Group Home. I have all kinds of proof that check writer and his wife both stayed with us for XX/XX/XXXX. My complaint is about the process the bank followed to arrive at their conclusion. If it is a fact that both husband and wife stayed with us then HOW DID THEY PAY FOR SERVICES rendered??? Did wells fargo ask for proof of how they paid for this service? NO they did not. Why not? 
The check writer signature is the same as on our Resident Agreement Contract. But if you notice when we took him and his wife to the doctors for a XXXX he signed for both him and his wife. Both signatures are different and also different from the alleged fake check. I would like proof from wells fargo how they paid for these services. This reversal never should have occurred until these questions are asked of the merchant. EXAMPLE You take XXXX friends to florida and rent a nice beach house for a month for XXXX and then lets say 5 months later I call wells fargo and say hey wait a minute I did not write or sign that check. Wells fargo says oh ok ... ... ... ..and then BOOM ... ... ... merchant is now out the money they worked hard for. There must be something in place that will help the merchant also. My belief is that wells fargo did not follow proper steps to keep the merchant side protected. I am very happy to supply any witness or document proof to show in fact both husband and wife did in fact stay at our Group Home for XX/XX/2016. My efforts in all of this is not about just getting my money back but to also look at Banking Institution Policies and procedures that end up hurting the merchants. 
Wells Fargo could very easily contact us but they choose not to. 
I am surprised this type of thing is not being used by world wide scammers ... ... ... ... ..it seems like a perfect scam. Just open an account with wells fargo and then go on vacation and then 3 months later say you never wrote the check. Wells fargo will check a few signatures and then just get your money 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 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Without any notice to me, Wells Fargo took my payroll check for {$1200.00}. They list it as a PCM Offset. When I went to speak with a Wells Fargo banker about it, he said he could not talk to me about it. 
In XXXX, I was working as a XXXX. It was decided that I would get a separate checking account from my wife. As I was out of town working, she went to XXXX XXXX and opened the account for me. Her name was not on the checks. She did not have an ATM. She did not put money into this account, or take money from this account. It was my account alone, or so I thought. 
XX/XX/XXXX, I had an overdraft protection account with Wells Fargo. I went to transfer funds from this account and found it was closed. I went to the XXXX Wells Fargo branch and talked with the banker. He said that my wife had a loan that was overdue so they closed my overdraft account. I asked about her loan and he said that he could not tell me about it as my name was not on the loan. I asked why they had closed my account and he said that her name was on this checking account. I told him that was wrong, this was my account alone. He said since she originally started the paperwork on this account, her name was on the account. I asked him to remover her name, he said that I could not do that, she had to. I talked with my wife and she went to Wells Fargo to have her name removed. I paid the money I owed on the overdraft account. 
On XX/XX/XXXX, I received my payroll check for {$1200.00}. On XX/XX/XXXX I logged into my online Wells Fargo account to pay bills. It showed that {$1200.00} was withdrawn from my account showing " PCM offset ''. I went to the Wells Fargo branch to ascertain what had occurred. The banker told me that he could not tell me, but alluded that it had to do with my wife being on my account. I told him that she had been removed from the account XX/XX/XXXX. He said that, no she was still listed on the account. I went and picked up my wife and we returned. I was told that she had an account that was in arrears and they had taken my payroll check. My wife showed that she was paying on this account that was in arrears. She had made a payment on XX/XX/XXXX. He said that there was nothing he could do. 
On XX/XX/XXXX, this banker said that he tried to get the money refunded but they refused. 
I have had this account since XX/XX/XXXX. I pay all my bills with Wells Fargo and other creditors. Had I known this money was owed, I would have worked to correct the problem. I strongly resent that they arbitrarily seized my payroll check. 
I would like this money refunded to me. I have bills of my own that I planned to pay with this money. I never authorized this withdraw or had any knowledge of a debt. This was my account alone, regardless of what some banker had written.

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 — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Original loan documentation has PMI section. Indicates a borrower can request cancellation of PMI when " ( XXXX ) The date the principal balance actually reaches 80 % of the original value of the property. '' I put a request in as our market area as experienced an increase in property values. I understand I would have to cover the appraisal costs to affirm the property value. However, when I received the letter from Wells Fargo, it now indicates a 70 % LTV is required.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an other complaint # XXXX about Well FargoLoan # XXXX and this is just more to be added, I have paid my mortgage and it is paid up to date. However I have yet gotten a current up to date statement from Wells Fargo? I have had to fax a Cease andDesist letter to Wells Fargo because I was getting callsa few times a day to pay my mortgage. I also have been toldI owe {$470.00} in late charges, but when I called to ask aboutthe late charges the amount changed every time I talked tosomeone different? I asked for documentation to show mewhen I was late and was told that was n't available? Butafter my first complaint to CFPB I got a call from a XXXX XXXX XXXX EXT XXXX who told me she would investgate and get me all the documentation, never heard fromher again? Please find all documentation attached. 
Thank YouXXXX XXXX XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXX I submitted a payment for the late fee which I incurred the previous month for {$70.00}. I did this by logging in to my account online and by choosing to pay the late fee only from a drop down menu. A few days later I noticed that Wells Fargo ran the payment for the entire amount of the regular payment ( {$1700.00} ) + the late fee ( {$70.00} ) totaling {$1800.00}. I did not have this amount in the account. I called my bank ( XXXX XXXX ) and asked if they could cancel or block the incorrect payment attempts by Wells Fargo. They said they could not. I called Wells Fargo and spoke with a customer service rep and an IT specialist. The IT specialist apologized and said she would look in to it. She also told me that my account was set up for auto payments. I NEVER authorized autopayments. They said the system would not allow me to make only the late payment. I said then the system should not have given me the option on the drop down menu. The IT specialist said she would look in to this and get back to me. Wells Fargo has attempted this 2 more times to date. I have incurred a {$29.00} insufficient funds fee with XXXX with each of these attempts.

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 2016-01-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been a Wells Fargo customer since 1999 and had a couple of loans with them which I have always paid on time. They stopped sending statements on XXXX of the accounts so I missed a couple of payments. They sent me an e-mail so I immediately called. They claim that my address was correct and they had the correct e-mail and yet the only correspondence I had received from them was asking to call. I explained that I had not received statements and they could clearly see how long I had been a customer, and that I had always made payments on time. I asked them to remove it from my credit report and that I wanted to pay the balance. The manager was very rude and said that I knew of the account and that it was my responsibility whether I received statements or not. They did n't care in the least that I had been a long standing, good customer. I will never do business with Wells Fargo again and I would strongly suggest that you consider another alternative. I have been with XXXX XXXX XXXX for a much shorter period, and they have provided excellent customer service and seem to genuinely care about that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union used Right to Setoff to seize my federally protected VA benefit funds that was direct deposited to my share savings account. I had informed them, over the phone and via online message, that these funds were VA benefits, and they seize them anyway. The representative was not aware of the federal protection of VA Benefits against Right to Setoff and garnishments. Furthermore, I did not contract with NFCU that they could take my VA benefit to settle a debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was removed from the HAMP Loan Modification Program and foreclosed upon, inadvertently. This statement was in a letter sent to me from Wells Fargo. Please help me, they ruined my families life.

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