vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I recently opened a Wells Fargo account so that I could deposit money for rent, after a short time, my wife and I decided to use a joint account through another service. I emailed Wells Fargo and asked them to close various accounts, a few days later, I noticed I was still receiving alerts from them in the mail. I checked my account and saw that I had an outstanding balance in their credit card service. I called and asked that this situation be resolved, which I assumed it was. I then saw further notifications, and again emailed them, and was told I did n't request to close ALL of my accounts. I called again, and went through various channels, and was told that someone did not properly close my credit card account as promised, but after 50 minutes on the phone, was assured this would be fixed. 

To my dismay, this issue has still not been resolved, and I still have a credit account with Wells Fargo that shows an outstanding balance.

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 2016-09-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I currently bank with wells fargo. I pay my bills through online banking bill pay. I pay my bills on time, all the time. About a year ago XXXX sent me a paper bill that was huge!! I called them and they told me that I had not paid my bills for over 3 months, they were ready to shut off my electricity. I said NO, I did pay my bills and I have proof. I faxed her the Wells Fargo online history of payments. 

The gal at XXXX looked into it and said that my payments went to some other account and that they would try to straighten it out. I thought it was a XXXX problem. Then she told me that my account numbers for paying had been changed so that my bank account and XXXX account were no longer " linked. '' I told her to change it back. She said, no, that it was Wells Fargo that changed my account numbers and they needed to change it back. I actually did n't believe her. 

So I look at my Bill Pay, I see the account numbers, and it shows the same as it has always shown. 

So I called Wells Fargo, I complain deeper and deeper into the company and finally a gal tells me that, yes, my account numbers had been changed " back of the house '' and no she did n't know why. I asked how they could change my account numbers and not tell me. And I could n't even see that they were changed. They never admitted anything but I could tell that something was wrong. This took many, many frustrating hours over about 10 days to resolve.

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 2017-02-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We endorsed and signed a Warranty Check to Wells Fargo the insuranceclaimscheck, of which they placed into an restricted escrow account. This check was issued XXXX/XXXX/XXXX. and deposited on XXXX/XXXX/XXXX. The time lapse between receiving the check and depositing the check is because Wells Fargo was confused on how to handle and make the funds available. On XXXX/XXXX/XXXX ; XXXX sent in a estimate on how much it would cost to fix the foundation. After fumbling around for weeks, back and forth with different representatives they did n't understand or knew what they were supposed to do, after specking with a representative at the local bank, ( XXXX ) became interested in trying to get to the bottom of the issue. Thanks to ( XXXX ) we were finally able to get someone to handle the check. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, the local banker ( XXXX ) XXXX and XXXX the home owner ; became very frustrated with being toss around as if no-one cared about taking care of our situation. Finally after 24 day of fusing and waiting, Well Fargo released a check for the lifting of the foundation. Now that the foundation is done, calling Well Fargo to know our next steps. We are told that we must have the plumbing checked. On XXXX/XXXX/XXXX, the estimates were sent in. We did n't receive a check from Well Fargo until XXXX/XXXX/XXXX ; this was for the plumbing hydrostatic test. The plumbers came out two days later. Right after this test, the paperwork was forwarded to Wells Fargo insurance claim check. We were told that because we were using he same company that we did n't have to send any other information dealing with the company. Well that was a lie ; we had to get the proposals signed by the plumbers and home owners plus another conditional waiver of lien, of which we were never told nor called. So four days later, I call. Now I 'm told that we must have an inspector out to the property to inspect all that 's been done. Well ; Wells Fargo was call back in XXXX XXXX about sending an inspector out to the house because that is what they told us and this information is also on the home recovery kit. So now we are placed on hold again because of Wells Fargo slothfulness and we are tired of they treating us this way. Our home plumbing system backed up because of not releasing the fund so that the plumbing could be fix. This is just extremely too long of a process and no-one should have to go through this.We are still waiting on the inspector and the plumbing to be complete.

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 2016-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
My mother was diagnosed with a XXXX XXXX. She owned a home and until she became sick, she paid on time every month. She had to be placed in a XXXX but had intentions of returning to the home. I, her son, contacted Wells Fargo who holds the mortgage to tell them the circumstances and got in touch with their home preservation department, specifically, agent XXXX XXXX. For over a year I submitted all the documentation they required, made phone call after phone call and was told the loan mod was approved. I was to wait to receive paperwork and sign the papers with a local notary. This process went on for a year and half. I would call, and I have the vast majority of these calls recorded. During the final steps of the loan mod, after a year and a half, my mom passed away. I immediately called wells fargo to see what we ndo now. I had a transfer upon death deed made to me by my mom. I sent all the information to wells fargo. Wells fargo refused to talk to me from that point on saying I was not authorized, even though I was authorized for a year and a half. I happen to look online and as of 4 days ago, wells fargo submitted a petition of foreclosure through the court. I have asked Wells Fargo for over a yaer and half who to pay, how much to pay, when to pay and was told hold off, hold off. Now the home is in foreclosure???

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 2016-10-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Please be advised that Wells Fargo has refused to turn over any " Debt Validation '' Documents. One of their executives claims " the request is too broad ''. Semms simple enough to me. It 's a standard debt validation asking what or how much do I owe and why I owe said amount. Keep in mind, this is a Wells Fargo area of expertise producing phony " TADA '' or ROBO-SIGNED documents that do not and have not ever existed.

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 2015-10-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I attempted to do a loan mod with Wells Fargo. At the time I could not afford the monthly payments but I was current. Wells Fargo would not return my calls so, at the advice from my attorney, I stopped making payments. They now returned my calls. During that time I filed Chapter XXXX bankruptcy and had my XXXX home loans discharged. I went through the loan mod trial payments process successfully but Wells Fargo rejected my loan mod saying the XXXX lender would not subordinate ( this took 2-1/2 years XXXX. I hired an attorney to try a second time to get the loan mod and, after a year and more trial payments, Wells Fargo provided a loan mod document subject to the XXXX lender subordinating. That lender still would n't subordinate but would agree to a payoff. I received the agreement from the XXXX lender, faxed it to Wells Fargo with the knowledge the lien would be removed within 3 days of receiving my payment. Wells rescinded the loan mod saying I took too long. Wells gave me 20 days to solve the problem but it took me about 45 days. I was at the mercy of the XXXX lender 's time table. I met Wells Fargo 's loan mod criteria ( trial payments - twice ), I have the ability to make the payments, I can satisfy Well 's requirement to remove the XXXX lien but they are insisting on foreclosing. In addition, I can qualify for a new loan ( refi ) but under bankruptcy rules I can not obtain a loan until a waiting period which expires XX/XX/XXXX. How do I save my home?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Obtained a Wells Fargo Visa Rewards card, and was upgraded to the XXXX Platinum Rewards card. According to the online marketing information, I was eligible to receive " Unlimited 5x points on grocery store purchases! '' ( that wording has since been removed from their site. I made purchases that did not violate the T & C 's ( XXXX ), and was sent a letter telling me to cease all purchases that they considered to be against their T & C 's after receiving the letter, else they would be closing my account. I immediately stopped using the card, and they cancelled my account two days later. I had XXXX XXXX rewards points available to me that were placed in a pending status with a date of XXXX, then it was moved to XXXX, then said " frozen '' and I could not redeem them. Now on the site they simply say " forfeited ''. 

I did nothing against the Terms and Conditions I signed up for, and Wells Fargo took away all of the rewards I used from their card ( rewards I could have earned elsewhere, but chose to do business with them ). 

I called and they said they could not do anything about the account being closed. 

Now I have a closed by creditor account on my credit report, and they took all my rewards away.

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 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
on XXXX/XXXX/XXXX a I rebooked and tried to once again pay for a hotel room at XXXX in XXXX XXXX that was denied payment the first time by Wells Fargo Bank without notice and they stated Wells Fargo denied the payment because my debit card had a XXXX limit. I called the bank and they refused to change the limit at all so I could book a new room. They told me to go to the bank and take the money out and pay. I live in XXXX and can not afford to fly to XXXX just to pay for the room. They would not do a one time change just to pay for the room. After a day of phone calls, a bank manager in XXXX where my husband works finally allowed us to raise the limit to XXXX to pay for the room. While my husband was in the bank in front of the bank manager I paid for the room and printed the transaction which showed pending, one for XXXX and the other for XXXX on Monday XXXX of XXXX the transaction is gone. Not pending it is just not there and I have an available balance back to over XXXX . The bank told me it is not there fault and the hotels but it is approved without any proof for me that I paid the bill. It is just gone. They told me before that they own my debit card and my bank account and i just have to wait. What if I lose my room again? They do this with my airline tickets, and cellphone bill every month. This causes overdrafts and shuffling of my transactions out of order of the deposits and transactions made. I have a printout of bank statement for today and XXXX XXXX when I paid the XXXX time. I have no proof of the first time i paid because it disappeared and i did not print it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is taking too long to share my transactions with XXXX. This is limiting my ability to use XXXX when I need it. I use XXXX to access my pay when bills are due or I need to buy groceries.

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 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
As I am sure you are aware, the practice of Wells Fargo banks opening up accounts without authorization has been going on for a lot longer than the XX/XX/XXXX to XX/XX/XXXX time frame cited in the recent fines. When my wife and I opened a checking account in XX/XX/XXXX in XXXX, Texas with Wells Fargo, we were sent XXXX credit cards that turned out to be actual accounts instead of just pre-approved. When we asked about the accounts that we did not want, we were told that we had to have the credit card accounts because we had overdraft protection, and we were also told that we could not substitute our other credit card account in place of the unwanted ones. We cancelled the unauthorized accounts and our checking account remained in place, which caused us to think that the " requirement '' to have the credit card account was made up. We just had no idea this was a systemic problem as opposed to one overly aggressive employee.

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 2017-01-26 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When checking my Saving Account at Wells Fargo, I noticed our account was Hacked. 
I have been trying to resolved this issue, with Wells Fargo Fraud Department for ( 2 ) weeks now. I keep telephoning and no responds, seems like they do n't care.

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 2016-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Loan Modification denials after 2 attempts. Underwriters not on same page I contacted Wells Fargo XX/XX/XXXX to explain to them that I lost my job and was in fear of falling behind on my mtg. I was offered nothing and was told that my loan had to be in default before I could do anything. I turned to XXXX XXXX to help me with the process of gaining a loan mod or forbearance, upon completion of the paperwork I was offered a position and was told that I would no longer qualify for the unemployment forbearance. I gathered all of my documents and stressed that my grandparents ( both in XXXX, XXXX under XXXX and the other suffering from XXXX XXXX ) we on the loan however, they have their own residence and do not contribute to the household and I also have a transfer upon death deed filed with XXXX County. I was told by one of Wells Fargo 's underwriters that if I could submit an affidavit to this affect that my grandparents social security income would not be needed. Needless to say I was denied a loan modification, I appealed as I took on a part time permanent position and also had a contributor to the mortgage and utilities within the household, I supplied Wells with all of this information, just to be called XXXX/XXXX/XXXX to say that I was denied again! And was told that the current underwriter required my grandparents information. I stated why would they need this when the first underwriter stated that the affidavit that I had signed and notarized would be sufficient and that their income is in NO WAY used for any mortgage payments or bills at the home. This process has been going on for several months ( almost 6 to be exact ). I can not get a straight answer from Wells Fargo as to the documentation that they require and why they require it for my grandparents. I have been paying this mortgage on my own since purchasing the property and unfortunately I fell several months behind after losing my job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XXXX XXXX 2015, we verbally appealed the first and second mortgage modification offers provided by Wells Fargo to our underwriter XXXX XXXX. We appealed to include a principal reduction. One of the benefits of receiving this would assist our underwater mortgage. A condition we had asked Wells Fargo to help us with several years earlier when H.A.M.P was introduced to assist mortgages like ours, when a hospitalization caused a financial hardship for our family. However, our home was refinanced with our second mortgage interest rate raised. We were told by a representative of Wells Fargo that this action was taken because according to Wells Fargo, we could afford a home that was underwater. For this reason our home was financed without that assistance. 

We are asking for assistance to expedite our appeal, as we have been working to create a healthy mortgage that we can resume paying after our trial payments our finalized. Instead of receiving an answer to the appeal we have been waiting to hear back about, we were sent a letter dated XXXX XXXX, 2015.This letter was received by us on XX/XX/2015. It states Wells Fargo will review our appeal. We are concerned that there is no indication Wells Fargo received our appeal within the time limit given to us by XXXX XXXX. Wells Fargo received a copy our letter XX/XX/2015 through the XXXX XXXX XXXX. XXXX stated to us that she would include a note to communicate her approval of our appeal. This was approximately two and a half months ago. 
We wanted our appeal to be given time to be reviewed thoughtfully, and so we assisted Wells Fargo when asked to put this verbal appeal in writing. We did so with expediency to help Wells Fargo and we continue to do so in whatever way we could to create a healthy mortgage for our situation. We have until XXXX to amend this issue, as we are now official in court proceedings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a notification from XXXX credit monitoring service that a credit report had been pulled by Wells Fargo on XXXX XXXX, 2016. I called Wells Fargo with XXXX on a XXXX party conversation on XXXX XXXX, 2016 at XXXX XXXX talking with XXXX from Wells Fargo who transferred me to XXXX XXXX XXXX where it dropped off several times. We tried again at XXXX XXXX and after discussing for approximately XXXX XXXX was advised by the Wells Fargo representative that I needed to go to a local Wells Fargo bank and deal with it. So I went to the bank where I had an account several years ago located at XXXX XXXX XXXX XXXX in XXXX XXXX CA at XXXX XXXX and met with assistant manager XXXX who after looking in her computer assured me that no bank accounts or credit cards had been opened using my information. I have received no bill for this, however I am disturbed that XXXX would have received a hit if nothing was opened. I have been noitified by XXXX about 26 times before without a false alarm. I do not know weather the hit was for savings, checking or what because Wells Fargo denied having anything to do with a credit report being pulled. I selected a savings account in the field below because that was the closest option and I had a checking and savings account with them prior. Also I would like to add I only had an account with Wells Fargo because they took over my bank that I had signed up with originally, XXXX XXXX Bank.

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 2015-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My husband and I have been trying for years to refinance our home mortgage. Wells Fargo, the lender, XXXX mortgage owns the loan. We bought our home in XXXX, have not missed a payment + we have great credit scores. Currently, our home value is less than what we paid for. Wells Fargo wo n't lower the loan to the current property value, unless we 're in a hardship! Wells Fargo just sends letters with XXXX numbers, so they can give you the run around and pass you off to other staff until you get frustrated and hang out. 
Meanwhile, we 're busy and do n't have time for this. Perfect scam. Why would they help!?!?

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