vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has recently began charging fees to our bank savings and checking accounts, and changing the rules of our bank accounts without foundation or notification. We have contacted the Wells Fargo Bank by telephone and in person several times, and we have tried to correct the situation and have the fees reversed. Some fees have been reverse others have not. And those that are reversed, are later in the following monthly cycle charged again. We contact the bank, and we do what the bank representatives recommend to eliminate the service fees, but the bank sets new rules and charges fees under new rules. The Wells Fargo bank is constantly changing our accounts ' rules and charging fees we did not have to pay priorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is not reporting my mortgage payments to credit reporting agencies even though I reaffirmed my mortgage following a 2014 bankruptcy.

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 2016-10-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX report dated XXXX/XXXX/2016 showed Wells Fargo Card Services, Credit Bureau Dispute Reso, XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX has requested XXXX separate inquiries for credit history. On XXXX XXXX, 2016, XXXX, current employee of Wells Fargo stated after the original inquiry for approval no additional credit inquiries are needed. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contacted. XXXX stated credit inquiry would be requested only once, unless the customer requests a credit increase. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contracted. XXXX stated the credit inquiries are ran just once. However, XXXX credit inquiries have been made to obtain copies of my credit history. 
According to the employees this is in direct violation to company policy. Wells Fargo is the third largest Bank in the United States and does not have employees running credit inquiries on a monthly basis for the large number of customers that they have. My account is in good condition, an credit increase has not been requested, and I am not involved in any type of debt resolution with Wells Fargo. It is my belief the inquiries are not being used for a work related reason. Therefore, I am requesting an investigation into what my credit history is actually being used for and who is this information being given to since the company does not have any use for the information.

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 2015-03-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX/XXXX/XX/XX/XXXX In XXXX of XX/XX/XXXX my wife passed away, she was a major financial contributor. We had to boys XXXX and XXXX. XXXX was XXXX months from XXXX an expensive private high school. XXXX was XXXX going to college in XXXX XXXX. I 'm a Florida XXXX with XXXX XXXX County. While doing a job at XXXX XXXX XXXX I received notification that I had been suspended from the contract for alleged breach of contract. This was untrue but it took me approximately six months to convince the county of this, I suffered the losses. The very next project after this was a job with XXXX XXXX XXXX and XXXX. I received notification from them that my contract had been " terminated for cause ''. Again not so. It took me three years of litigation to collect money due and payable. So this is when I opted for the Pick A Payment Mortgage. 
After the problems with XXXX XXXX XXXX I decided to seek and contract with private owners only, This was working out right up until real estate bust and should add caused in total by the banking industry. 
I have scanned and downloaded the mortgage documents. The XXXX issue is they do n't have my name collect, the XXXX issue is they do n't have my Social Security number right and when I call them to try to work something out they refuse to talk to me. The XXXX issue is that when this mess began happening I hired an attorney, with the intent of being granted a loan modification. The last telephone conversation I had with him I was told that Wells Fargo refused to modify the loan. Recently I am told when a bank refuses to modify they must provide a reason. I was never given this. At this time the property scheduled for sale on XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo Mortgage is punishing us for reporting them to HUD for not following FHA guidelines. We were XXXX out of our home, a XXXX, and did not make our full payments for 9 months while the house was repaired. HUD / FHA guidelines state that mortgage companies should not report for 12 months after a XXXX when the borrower is paying as agreed. We had an FHA mortgage with Wells Fargo. We learned too late that FHA and HUD protects XXXX victims. Our congressman intervened and HUD told Wells to follow guidelines, but we had entered into a contract to sell the home. If they had done the job correctly and offered the options up front, which would have allowed us to keep our home, they would not be able to report the late payments. HUD can not help because we sold the home to avoid foreclosure ( we did not refinance under disaster guidelines because we did n't know of them ). Wells Fargo Mortgage refuses to stop reporting despite knowing they did not initially follow HUD / FHA guidelines. It is obviously punitive for the complaint to HUD. We lost tens of thousands of dollars of property in the flood and were left homeless for a period of time. We had nothing except the clothes we were wearing when we were evacuated. From forks to pillows to underwear, etc, we 've had to replace everything and it 's been hell. Well Fargo Mortgage does not care. It is actually XXXX specific individuals in the mortgage servicing area that continue to not follow FHA guidelines. They must have the account noted ; no matter what method we use to voice a complaint, all contact associated with our mortgage ends up with XXXX of them. We at first thought that the reason they continued to justify the negative reporting was because we complained to HUD, but after speaking with each on the phone it is obvious from their statements that it is because we 're a XXXX couple. HUD guidelines specifically state that there should not be any reporting for a twelve month period after a national disaster, but these XXXX individuals continue to come up with any reason they can because they are XXXX. I question whether the culture at Wells Fargo Mortgage in general is XXXX or just this department, but I seriously recommend any XXXX couple think twice before doing business with Wells Fargo Mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealer Services have been contacting me at times that are not legal. I 've warned them 3 times that I will report them and to stop harassing me at these times. They said they would but have not complied. I 've also told them when i would be making my payments and they keep calling - I am not more then 60 days behind. 
XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX I think you can see a pattern here. Please make them stop. I 've made payment arrangements w them and I 've not faltered on any arrangements in the past. What they are doing is unacceptable. 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 non-monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please see attached letter to Wells Fargo Home Mortgage and documents of proof, copies of MY DEEDS of Full RE-CONVEYANCE, I DO NOT HAVE A MORTGAGE WITH WELLS FARGO. 
Below I will mark making payments because the account number did not exist and when I went to Wells Fargo to make payments, the account did not appear on screen, so the agent would enter my name and take the payment. One day the agent just told me look XXXX XXXX this is not a Wells Fargo Account. Check with them to see why they are sending you statements. I knew I did not have a Mortgage and that my home would not have appraised out for that amount, and if I refinanced XXXX times as they contended, where was the Money? I did not at any time have a Mortgage with Wells Fargo nor did I refinance with Wells Fargo ever. ( See attached proof of deeds of Full Re-Conveyance )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
HELP! URGENT - I sent in all the paperwork on XXXX XXXX, 2015 to do a {$900000.00} loan modification. I was called last week and told that I was denied because my loan was over {$720000.00} by XXXX XXXX. I said this is crazy because XXXX XXXX sent me paperwork to get a loan modification back in XXXX, 2015 and she knew my loan was over {$900000.00}! I received a letter yesterday from XXXX XXXX stating that I did not provide a " Real Estate profit and Loss Statement ''. This was the reason for the denial. I never received any documentation that I needed to provide a real estate profit and loss nor do I have a real estate company. How can this be??? 
XXXX XXXX also said they responded to my inquiries on XXXX XXXX and XXXX XXXX. 
There was nothing about a real estate company in either of these letters. They were for the benefit of you. XXXX XXXX also said that the foreclosure sale " is less than 37 days out '' - IT IS XXXX XXXX - a week away!!!! 
There is a web-site called XXXX that lists everything I have been going through. Someone took a lot of time to create this web-site and if you review it, I think you will see how so many of us are being lied to! They never even looked at my information, they just want to get us out of our home by waiting until the last minute ( right before a sheriff sale ) to deny us on the loan and basing the denial on XXXX different items which are totally incorrect:1. loan over {$720000.00} ( then why did I fill out all the documentation???? ) 2. no real estate profit and loss sent ( I was never asked for this and I DONT OWN A REAL ESTATE COMPANY SO COULD NOT HAVE PROVIDED IT ) Please help. Wells, Fargo Home mortgage needs to be investigated totally. I have written to the CEO also. 

CC : XXXX, XXXX LAW FIRM

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have applied for a loan modification and because I now make enough money they do not want to approve/or review me for a loan modification again. I was told by a HUD credit counselor and other government agencies that since I experienced such great hardship I was able to qualify for a loan modification. Why am I now being penalized now because I now have my full income and not on sate furlough. This is n't fair and I am asking for a fresh start to begin my payments again. Is there anything you can do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/16, I had a problem with my car stalling out on the highway. It was towed to XXXX of XXXX XXXX. The diagnosis was that both my left side and right side fuel pumps were malfunctioning. They were able to repair the left side, but found the right side pump to be on national back order. The car, upon leaving their shop, was operational, but when starting it, had a delay due to the right side fuel pump having to be doctored by them to function somewhat. I paid {$1200.00} for their labor and parts. On XXXX/XXXX/16, I decided to have a second opinion on it with a repair shop much closer to my home and took it to XXXX XXXX automotive of XXXX, Florida. When I brought it in, I specifically told them about my previous situation and that the right side fuel pump was on national back order ( by the way, I also had this information verified by a XXXX XXXX center in XXXX XXXX ). When you review the invoice for XXXX, it clearly affirms what I told them ... .that the fuel pump was on national back order. a couple of days later, I was called by them to inform me that they had found the fuel pump! Elated, I brought the car back to them and had them do the repair. Upon picking it up, however, I still noticed the original delay in starting the car. When I got home, I looked at the invoice more carefully and found that they had replaced the very same left side fuel pump that the original mechanic had already done! As such, duplicate work was done. I tried to work with XXXX and all I was told that was, basically, I would have to bring the car back in and pay more labor. I would like to point out that I did not dispute the entire amount of the invoice ( {$1000.00} ), but only for the duplicate part and some of the labor as I felt they were warranted to be paid something for their time and effort, so I disputed {$820.00}. I disputed this amount with my credit card through Wells Fargo. I turned in this dispute in XXXX of 2016 and it was not filed by them until XXXX/XXXX/2016. The repair outlet had 60 days to respond and, per the guidelines of Wells Fargo in disputes, I was to receive any response from this company ... .I did not. I had to request the answer from Wells Fargo last week and I got it three days ago via mail. My dispute was not accepted due to the fact that they felt that the repair center did work on the car ... .even though it was duplicate work already done by the first repair company. I do not understand how anyone could agree that duplicate work and getting the same part that was replaced before is acceptable. XXXX XXXX XXXX certainly did not order the right side fuel pump and simply replaced the same XXXX that had been replaced a few weeks earlier. the owner of the XXXX XXXX did want me to bring the car back in, but pay for even more labor to rectify their mistake.

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 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My name is XXXX XXXX and I am XXXX years old and have a mortgage that is in foreclosure going up for sale in XXXX 2015. I have had my mortgage for eight years and my principal balance is {$220000.00} and my home is only worth now estimate {$120000.00}. My mortgage payment is {$1700.00} per month and I have suffered a lost in income since that time. I have been trying to work with my lender Wells Fargo to reduce my mortgage payment to a monthly payment I can afford to avoid loosing my property. Since that time my husband has passed and the income I was receiving at the time I purchase my home has decreased. I have paid already {$190000.00} towards ownership and I still owe {$220000.00} on my property that is only worth {$120000.00}. I have tried working with the lender to avoid foreclosure and to faithfully start making mortgage payments again to avoid loosing my property and have not come to a resolution to saving my home. My loan is a conventional loan with PMI Mortgage Insurance. Please assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XXXX/XXXX/16 I returned signed and notarized loan modification documents in pre-paid XXXX envelope. I reached out to my home preservation specialist via email ( which is the best method of communication that I have ), on XXXX/XXXX/16 to confirm receipt. She advised me in her emailed response the the documents were not acceptable as the signature didnt match a previous signature. I reached out to her again via email requesting a detailed explanation as to what the problem was with my signature and requested a response in writing. To date, I have not received an explanation from Wells to ensure my understanding. Instead, I received a new loan modification package requesting that I call for an explanation. I did call, per my availability and left a message as it was outside of their business hours. I received a returned call from my specialists advising that I should call her as she was unable to reply to my email. These secured emails were initiated from Wells so one would reasonably assume that if there was a problem then a simple resolution would be to start a new email chain. I have made it clear to Wells that it puts my job in jeapordy to have phone calls with them during my work day and while it seems like a viable alternative that I call on my lunch or break - that is not an option for me. I returned the new package and used a signature that included the complete spelling of my name as opposed to my first initial and last name which is the sinature I use for everything.

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 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, I want to report transactions that I look at in my accounts, I kept all those papers for my files, but do not check because I had confidence with Wells Fargo Bank a few months ago. Using transactions I noticed quite a few transactions of the bank which charged things exaggeratedly high, I demand the institution clarify those charges, which I only received a letter where they are not responsible or offer me an explanation for the high penalties they gave me, which exceed more Of {$200.00} dollars in consecutive dates day by day, demanded my money and an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hi, We are doing banking for our company with WellsFargo from last 9 years. We deposited check ( frost bank ) into Wellsfargo for the amount of XXXX $ and money was withdrawn from frost bank immediately and wellsfargo says money will not be available for next 10 business days as the check amount is high. Customer service and banking service is really sucks.

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: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, I have a big problem with Wells Fargo bank my wife rented a vehicle from thrifty car rental, and gave them my debit card as a XXXX ID. she is not on my account, nor is she an authorized user on my account. she used her own credit card for that rental. a couple of weeks after that they charged my debit card XXXX dollars, i called them and they took it off so i called wells fargo, and told them that i feel that i am going to have issues with this company and to please cancel my debit card all together, which they did and the agent said as long as there is nothing on the account now they can not charge anything on this account about a month after canceling my card they charged my account XXXX i called right away and was issued a temporary credit and they told me that they needed a statement of what happened which i did on XXXX separate occasions, and i have the emails to prove it. Last week i got a letter stating that they are going to apply the credit back to my account because i did not send the proper information. i called an agent on the XXXX of XXXX and spoke to her. she said she will submit a request for more time to investigate on the XXXX of XXXX they applied the XXXX to my account, and now i am overdrawn for that amount. i called and warned them that i would call CFPB and FDIC and the agent bluntly told me that i have that right but that i have that right but that the bank also has the right to close m, y account at any time, which i do n't want they are a great bank, but this is a case of somebody not doing their job. i have since separated from my wife, but anybody can check with thrifty my name was never on that contract, and i never signed for anything. Please help me with this matter.

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