vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I paid off my Wells Fargo credit card in XXXX, 2016. I had a balance of {$0.00} on my next statement. Then, on XXXX/XXXX/16 I received a new alert that my payment had been reversed and I owed {$490.00}, which is my current balance. 

Wells Fargo can not give me a reason for this reversal. I do not currently have the money to make this payment and refuse to pay it again without a good reason why.

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 2015-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
i had looked at my credit report and seen that ASC was reporting that i missed XXXX payments in which this is incorrect i am missing payments but we are in court right now battling forcloser. And even then i am no where near missing XXXX payments because then i would owe this company XXXX XXXX dollars less. this is in correct

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Per my divorce agreement, my former spouse was responsible for all debt including the mortgage. I gave him the quickclaim deed like I was required to do. Instead of putting the mortage in his name as required by our paperwork, he filed for bankruptcy. The mortgage company included me in on the bankruptcy and negatively reported me to the credit bureaus. I feel this is unfair. I did not file for bankruptcy, sign as bankruptcy paperwork and when I called the mortage company to explain the situation, I was told there was nothing I could do about it. I spoke with a lawyer and he informed me that Federal Law trumps Family Law, so I could only hope the bank did n't come after me for his debt even though he was responsible for paying that debt. The result was the Mortage Company discharge the loan and negatively reported me. My credit score dipped down to XXXX after this happened. I have worked very hard to bring my score up. I feel since I can prove through my divorce papers that my ex was responsible for payment of the loan, the incorrect information should be retracted from my credit report. Why is there no protection for the spouse who does what is lawfully required of her, but the other spouse can max out every card, buy a new truck and then just quit paying his home loan and get away with it? I pay the price of not being able to buy my own house, a car, and/or secure a higher paying job because my low credit score dings on a background check for employment?

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 2015-12-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I have a XXXX eligible investment property loan thru Wells Fargo. 3 years ago I tried to refinance using XXXX. After 3 months of documentation gathering, they told me I could not refi because I had more than XXXX rental properties. They said it was their " internal '' requirement, not XXXX of XXXX. I just started the process with them again because they said they now waived that requirement. I was eligible in every way except I want my ex-husband 's name off the mortgage because he would not help me refinance it. I was successful getting this done thru XXXX refi on XXXX other properties 3 years ago. Now Wells Fargo says they ca n't because all of my rent money was being deposited into a bank account that had my name and my property management name on the account. They said that is not considered " personal '' funds and I have to show I made the mortgage payment with my " personal '' funds for the last 12 months. I was pretty sure last time I just had to show that my ex-husband 's name was not on the bank account but they said no, that was not the XXXX guidelines. I am paying them 7.25 % interest on the loan. I think they just want to keep getting the higher interest. Can you help? Can you clarify " personal '' funds for the purpose or removing XXXX person 's name from the loan when refinancing?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX from Wells Fargo has rejected my numerous attempts, responses, applications, and documents to grant a loan modification on XXXX my properties. I have satsifed all requests. Also, she and Wells have foreclosed on my properties even though I have requested attempts for payment plans as well which I have attempted to make and been rejected. Furthermore, I have complained that this is an attempt to comit mortgage fraud from Wells which they have dismissed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Red Cedar Services, Inc
State: MA

Complaint narrative:
Received a email from 500 fast cash about over due balance and do not understand was paid last year They have never contacted me by phone and this email was from today

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX I received a HARDSHIP withdrawal from my XXXX due to health issues. I took the check of {$35000.00} to Wells Fargo where I was told they would release only {$200.00} and the remaining {$34000.00} would be held till XXXX XXXX. I called Customer Service at Wells after I left the Bank FOUR times as this was cause for concern. A Hardship withdrawal, is just that HARDSHIP. I was told that my check, even though it would clear the Bank the next business day that Wells would not release funds till XX/XX/XXXX due to the fact that I had some OVER DRAFTS over the last six months. They commented this was a Federal Regulation. 

1 ) Wells offers my FREE overdraft protection having a PMA account. So I am being penalized for using their service that they offered to me. 

I asked over and over even if the check clears XXXX 's Account ( my XXXX Provider XXXX that they still would not release my funds till XX/XX/XXXX. 

So I have only XXXX till XX/XX/XXXX while they hold on to my XXXX even though the check clears the writers account. 

I would like to know what Federal Guideline calls for a Bank to hold a check for this long due to the fact that the Banks Customer used their overdraft protection that they had me sign up for and is a selling point of their PMA account holders. 

So NOT knowing this I wrote checks and mailed today knowing that I would have XXXX in my account. Now I asked them about those checks. They stated they would be not honored and I would be charged for NFS checks even though I deposited the XXXXI am intelligent to know that these funds would not be available today but to not be available till XX/XX/XXXX is unbelievable. 

So I asked how I could get my check back so I could deposit it at the other XXXX Banks I Bank with and they stated once a check is deposited it can not be returned. 
I am NOT normally someone who writes about anything BUT this has me so upset today that I am reaching out for help. 

IN SHORT : I use the overdraft, that they signed me up for. This is not NSF items this is where funds are pulled from linking accounts. But because I used the overdraft protection they have to hold my funds till XX/XX/XXXX and all the checks I wrote are going to be bounced and I will have to pay them NSF fees even though the money is in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Case number : XXXX I tried to dispute this case on the form they sent but for some reason it would not send. This is notification that I am disouting the reponse dated XXXX XXXX, 2016. I am writing in reference to the response received from Wells Fargo. 

I feel this is not resolved due to the following issues!. They stated they did not disclose personal information. I had XXXX packets left on my door step ( XXXX was taped with electrical tape to the front glass door ( XXXX pages ) and the duplicate copy of XXXX pages of information clearly written FORECLOSURE throughout XXXX page paperwork was strewn throughout my neighborhood and returned in pieces to me by several neighbors, friends, as well as landscapers and plumbers working on my neighbors homes. Extremely humiliating and absolute breech of privacy breech. How can Wells Fargo investigation reveal otherwise and that ets up a red flag. Again, I am in a situation that i did not choose. My spouse of 26 years left myself and XXXX children. I am a full time XXXX and a respected and active XXXX. I have worked hard for 4 years to raise XXXX children and upkeep in our property at XXXX XXXX XXXX XXXX MD XXXX. I have requested and applied for loan modification after loan modification and written XXXX hardship letters at least. Spouse and co owener of home is not willing to participate in any of these efforts and requesting home to crumble around myself and children. I had requested several times in writing that his mail from Wells Fargo and the like be mailed to his address in XXXX MD. Sounds as if this is finally resolved and thank you but what about all the correspondence he never received. I have watched people sent out by Wells Fargo to sit outside my home. How unsafe and unnerving is that an had neighbors asking wjhat they were doing? Everyone has a story, but what happened to our family was traumatic enough without all of this additional humiliation and breech of privacy. 
I am doing everything in my power to get a modification under my name only so that I can begin making mortgage payments to stay in my home at least until my kids are finished school. As a single mom, I can not afford a {$4000.00} pick a pay loan amount that is an upside down crooked mortgage as it is and I want that point investigated as well. I have spent thousands in an effort to keep this property maintained and have had XXXX flooeded basements in the meantime. 

I have contacted XXXX XXXX office and states attorney this month as well as years past and am in recepit of suggestions and recommendations for continued actions to try to keep my home. 
Thanks you again for your follow up. I did not even get a sincere apology., I got we are sory you have had frustrations. 

Thank you for the continued resoultion and follow up.

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 2016-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
A mod package was sent in XXXX ( see email attachment ) Sale date was set for XXXX. 
On XXXX Wells Fargo employee XXXX XXXX stated that a note on file deemed the account ineligible fore review and the call was transferred to the reentry team. XXXX stated that the documents were sent in and entered XXXX and that they need EIGHT days before the sale date to review the file and that they got the file SEVEN days before the sale date. 
California guidelines state 7 days are needed. NOT XXXX. 
Our office called Wells Fargo EXECUTIVE OFFICE. XXXX XXXX XXXX who did nothing to assist on the matter. She stated that she will request a reinstatement. The home owner DOES NOT HAVE THE FUNDS to reinstate. We called the executive office to get assistance with the documents that were there ON TIME. Instead no assistance was provided. 
It is very apparent that Wells Fargo would rather foreclose on the home than provide assistance. There is no tangible reason for Wells Fargo to REFUSE to review the COMPLETE package that was there on time. Wells Fargo is discriminating against the homeowner based on his age, race, ethnicity, marital status. We are demanding a fair review of the file or XXXX XXXX will assert his legal right and name Wells Fargo defendants in civil court.

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 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Hello, i m living in XXXX and i opened a well s fargo bank account few years ago. i have a credit card, online access and my account is always on a positive balance. i decided last month to clsed that account and get back my money. wells fargo send me a closed form. i filled it in XXXX with notary public signed and XXXX. i send back the from and when i called the wells fargo for an update they stated that a foreign client must come in person in USA to close the account. i ca n't go to usa for now. i need please your 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 non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife and I were looking to get approved for a FHA loan to purchase a home. I was recommended to XXXX XXXX from a co-worker. I called him and asked him questions on if we are eligible for an FHA loan with Wells Fargo. He told me yes and I even have an approval email from him stating he can get us approved. Next my wife and I filled out XXXX + pages of paperwork signed back to him. After 2 weeks I did not hear from him so I emailed him for an update. He states we were denied and he could not help us. He did not disclose why were were denied. My wife or I never met him in person and when asked to do so he declined. After this experience, my wife and I was approved by private mortgage company. Since then my wife and I have experienced many identify fraud alerts. I feel XXXX took advantage of us and our sensitive information. I am worried about the sensitive information that was shared with XXXX may be used illegally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo XXXX neglects student loan Borrowers who wish to elect to make additional payments automatically to their student loans. With automatic payments, Borrowers have the ability to manage the total cost of their loan by paying more than the minimum required payment each month thus reducing total interest paid over the life of the loan. Wells Fargo does not allow Borrowers to increase the amount of their automatic payments, instead requiring Borrowers manually make additional payments each month either through manual add-on payments or through their Bill Pay service. Both options force borrowers to schedule each additional monthly payment manually. Without the ability to automatically schedule payments above the minimum required payments, Borrowers are much more likely to pay the maximum interest charges over the life of the loan unless they remember to separately make additional payments each month. This serves to minimize pre-payment risk for Wells Fargo and investors in their Student Loan asset backed securities. However, it is also a contemptuous disservice to its Borrowers, many of whom are recent college graduates working to establish prudent debt servicing plans. Borrowers should be given the option to increase automatic payments towards their Student Loans. By neglecting to provide this option, Wells Fargo is, at best, discouraging their Borrowers from managing their total interest costs or, at worst, scheming to charge their customers as much interest as possible.

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 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been working with my lender Wells Fargo regarding loss mitigation options. I have provided all supporting documents and now the day before the sale they are asking for additional information in which I did send in right away however they are saying the sale for tomorrow has not yet been postponed because there may not be enough time. I strongly feel my rights are being violated and that I may lose my home although I have done everything on my part to follow up and send in information requested.

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 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am contacting you once again about my mortgage company Wells Fargo, who I do not think is following the guidelines to have my modification approved. I have attached documents and letters from Wells Fargo stating they would help with modification of reinstatement of payments and each time I call I get different answers. So please let me know if you can 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 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Letter sernt via email to XXXX XXXX today, XXXX/XXXX/2016 As a consumer and a customer of Wells Fargo Bank, I am greatly disappointed that I have to forward this issue to the Chief Executive Officer of a major cooperation for the correction of a {$400.00} deposit. To many in your organization that may not be a lot of money, but as a retiree it is important to me. 

On XXXX XXXX, 2016 I submitted a check in the amount of {$400.00} to be deposited in the account referenced above at the XXXX XXXX Bank in XXXX Texas. However, I am being told that the image reader interpreted it as {$200.00}. I noticed the discrepancy on XXXX XXXX and called the bank. I spoke with XXXX XXXX who identified the discrepancy and assured me she was submitting the information for correction. XXXX XXXX also stated it would be corrected in a matter of 4 days. Well here we are on XXXX XXXX and it remains unresolved. 

I personally returned to the bank on XXXX XXXX and spoke with the Assistant to XXXX XXXX who stated he would follow-up if XXXX XXXX did not. I made XXXX subsequent telephone calls and again, I was told by XXXX XXXX it would be resolved by XXXX XXXX. I called again on the XXXX to state it had not been. No one has called me back. 

Yet, I can make an online transfer on the XXXX of XXXX from XXXX of my accounts to another and Wells Fargo processes it on the XXXX, and charges me over-draft fees. 

My expectations of responsiveness by Wells Fargo is quite low. So hopefully to ensure a timely response and resolution I am also sending this to the Consumer Financial Protection Bureau. I have been a customer with the bank for many years, going through several sells. I have multiple accounts with this bank. My loyalty and support appears not to be worthy of good customer service. In addition, community outreach needs improvement as well.

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 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX ( XXXX ), and my wife 's name is XXXX XXXX XXXX ( XXXX ). We have worked hard and paid our taxes all of our lives. My wife XXXX and I have had a rough time for the past few years, health-wise and financially. We have tried repeatedly to get help for our situation. 

Over 2 years ago, we applied for a program called KEEP YOUR TENNESSEE HOME. We have been on the list until XX/XX/XXXX, when we were told they had run out of money. 

Next we tried the REVERSE MORTGAGE program. Although I am XXXX, we could not use this program as my wife is only XXXX. 

Then we turned to our banker WELLS FARGO for help. We do not make enough money to qualify for their REINSTATEMENT PROGRAM. Since I am recently laid off my job, I then applied for their UNEMPLOYMENT PROGRAM, but we make too much money for that one. 

I have just received a foreclosure notice on our house. I will need to give you some background so you can better understand how we got to our present situation. 

In XX/XX/XXXX, I fell victim to XXXX. I would suffer XXXX XXXX over the next 2 years. XXXX would XXXX me for several days. XXXX would require XXXX. XXXX would hospitalize me and nearly kill me. This left me unable to work and on Social Security XXXX. 

About 30 years ago, XXXX came to a halt at a stop sign, but the car behind her did not. Since that time, she has had over XXXX XXXX, including XXXX XXXX. She has been unable to work since, XX/XX/XXXX. 

In XX/XX/XXXX, we took in a little boy named XXXX XXXX. He was XXXX years old at the time. His parents are XXXX and are XXXX. XXXX is XXXX years old and we are in the process of getting legal custody of him as there is no one else to care for him. 

My wife applied for SOCIAL SECURITY XXXX over 2 years ago and we are now waiting to hear from a federal judge on this matter on XXXX XXXX. If all goes as our lawyer says, my wife should get her XXXX then and possibly 2 years back pay which should be more than enough to clear up our finances. The problem here is it looks like WELLS FARGO, and the foreclosure lawyers are not willing to wait that long. 

Our mortgage holder, Wells Fargo, has just notified us that they are about to begin the foreclosure process on our property. As you can see, we have had a few rough years and desperately need help. Any other advice or help you can give us in this matter would be deeply appreciated. Is there any way that we can get help on this? Please keep us in your prayers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX TN XXXX

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