vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello I am following-up on my earlier complaint, complaint number XXXX, of XXXX XXXX, 2016, regarding WELLS FARGO 's thievery, conveniently lifting money out of my pockets for there own bonuses. I submitted this follow-up yesterday, though I did not receive confirmation of its receipt, so I am posting it again today. In my initial complaint, I described a situation where Wells Fargo closed and opened new accounts in my name at least four times, without my consent, and how their doing so ruined my life in Oregon. Thankfully I have recovered, four years later, despite WELLS FARGO 'S best efforts to destroy me. Anyway, over the last few days I find articles in the XXXX and the XXXX XXXX, where employees describe being bullied and coerced into closing and opening customer 's accounts repeatedly, presumably in effort to generate new account volume and new account fees. This news comes a month after my initial complaint to CFPB, and still we have NO RESPONSE FROM WELLS FARGO except that they wish to delay their response. UNACCEPTABLE. I hope they are happy with their bonuses and knowing that they ruined my life in Oregon. I could say lots of curse words about WELLS FARGO, but suffice to say that a nice word like XXXX still applies to the top of the heap.

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 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On or about XXXX XXXX, 2001, Wells Fargo on behalf of XXXX Mortgage, filed a defective reconveyance when a loan was paid. The defective reconveyance referenced the incorrect county document number and therefore an outstanding mortgage still shows in the chain of title. All appropriate materials, including the county documents and original loan documents were sent to Wells Fargo Home Mortgage via certified mail. There is no phone number or way to speak to anyone at the written correspondence department. A month has passed with no contact from Wells Fargo. The carrying costs are substantial. A contract for sale has fallen out of escrow because of the silence when presented with their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
Calls and voicemails everyday calling family members as well have all records saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am looking to buy a distressed home owned by Wells Fargo and it has been vacant for 10 years. The reason I am looking to purchase a bank owned home is because of my student loan. Anywho, they wo n't sell me the house, respond to my inquiries nor will they answer my questions about whether they should even have the right to hold the property as an asset when they themselves are in fact bankrupt and do well to hide these nonperforming assets from their balance sheets all in the meanwhile, rejecting hard working citizens from mortgage approvals and a better way of living as decent taxpaying citizens. Wells Fargo has never seen this house nor do they understand the condition of the Home. If I did win this case, I might never make enough money in my lifetime to fix it due to the deterioration stemming from such long term vacancy. I have even tracked down the person who abandoned the property, well at least a family memeber who informed me that they have jet set their way back to XXXX, ten years ago. I am completely sure that Wells Fargo, in question, has never looked at what the assessors office says about the property and do not even realize that the property history shows this house to have been sold for {$1.00} at one point in time. I am merely seeking a letter of recommendation to the land court, [ where I intend to take this consumer protection issue in question ], from the CFPB to insist on the sale of this property for the maximum amount of taxes owed, to increase property tax revenue for the betterment of the State. Taxpayers should be able to find vacant homes that are no performing and be able to flip them or keep them. Is n't that what Reaganomics XXXX & XXXX is all about? Is that 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 2016-05-06 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This morning before work I tried to get gas from the gas station using my Wells Fargo check card. I kept getting an error message, so I decided to go inside and see the cashier. She tried my card same thing happened staying error. I thought maybe it 's ' their ATM machine so I was go to a bank and and get money from the ATM, this process was making me late for work at the hospital but I needed gas to get to work. The ATM said invalid card after trying again several times. At this point I figured I need to call Wells Fargo to find out whats going on and they told me they closed my account. I was shocked and asked why and why I was n't notified they said they sent a letter but did not have to call me. I was so confused and today is payday so I had a direct deposit hit my account from payroll last night. I do not keep cash on me so I have no way of putting gas in my car to get to work. They told me they closed my accounts because someone used my log in information and attempted to deposit a counterfeit check from a company called XXXX XXXX XXXX ( the representative gave me this information ). I said that was n't me and I have no idea how that could have happened because I have not given anyone my information and never have heard of this company. After being transferred from dept to dept and finally getting the Executive office the ending result was All my accounts have been closed including my son 's account who is away at college since our accounts are connected and the only thing I can do is wait for the branch to open to take out all my money. To say I was disappointed and hurt by Wells Fargo lack of communication with their customers after something fraudulent is occurring on their account is an understatement. I believe maybe my account was hacked since it was a mobile transfer into my saving by a possible cell phone virus. I 'd be curious to know if they can track the cell phone number. Wells Fargo did not seem to want to assist me in anyway to investigate this matter they just wanted my accounts closed. My plan was to apply for a home loan with Wells Fargo along with my husband at the end of this year since we 've bank with them so long. I just do not understand how someone could do this to a consumer and the bank does not try to help them or notify them as soon as it happens. This is very disconcerting as someone who trust the bank to monitor their finances. Seems like they did n't believe me and was very cold about the situation asking how would someone get my log in information if I did n't give it to them? The same way criminal break laws and take advantage of companies all the time when the consumer is the victim. This is not just, and is really unfortunate.

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 2015-05-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I looked at my bank account statement and I saw that I was charged XXXX from a company called XXXX. I have never heard of this company! I do n't remember writing a check to them. I did not write a check to them. I have called the bank and they will open me a new account soon ( 5-7days ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a car loan with Wells Fargo dealership services. They incorrectly though my insurance was terminated. I had just change companies, I sent them the information on the new company, however they by mistake as they have informed me put insurance on my car. Because I make double payments each month it was n't until I ask for a payoff that I notice this was happening. I got in touch with Well Fargo insurance company and was able to clear this up by last Friday XX/XX/XXXX. They said I should have a corrected by off in XXXX days. when I checked back Monday & XX/XX/XXXX, they said it would be XXXX business days. Now on XX/XX/XXXX they are not sure when it they will be able to give me a correct payoff statement. They employees have been very rude and have not given any explanation why the delay. If I do n't get it today, I will lose the incentive on the new car I am buying. 
this will cost me XXXX of dollar. When a bank makes a mistake they should not treat the customer like they are doing you a favor to correct it and should be limited in time to make these corrections

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was bait and switched initial with the terms of an Auto Loan, I was forced to used Well Fargo Dealer services as opposed to my credit union ( this was the car dealerships doing not wells fargo ). During the time with Well Fargo, I was told there was no early payoff penalty. That was a lie. I was told my rate was 5.9 %, that was a lie, they wouldnt give me the loan unless they charged 6.9 Well fargo Dealer services also was n't reporting that I was making payments on my car when in fact I have been paying on time every month thus negatively affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Changed lock on safety deposit box, employee stole everything {$30000.00} + XXXX XXXX Tx. XXXX

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 2017-01-30 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:
Recently, I noticed that my bank had charged me an overdraft fee, even when I had the funds to cover a transaction. I looked at past bank statements and noticed that my ending daily balance was sufficient to cover certain transactions yet, the bank still charged an overdraft fee. I called the bank and was informed they can only look back 90 days and per their records, I was entitled to {$45.00} returned to my account. I asked the representative how can I have my account audited through past statements and was told I could not do that. I asked whom could I speak with about it and was told that there is nothing I can do and they can only go back 90 days. To date, they still have not returned the {$45.00} as I was informed and I 've called twice to speak to someone and am left on hold, longest was 47 minutes.

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 2016-10-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Once again I was out rage with Wells Fargo and them telling lies and slandering me to the CFPB in their response about case number ( XXXX ). They say they have not been able to get in touch with me when in fact I have talked to two of their representatives, XXXX XXXX I spoke with her over the phone on XXXX XXXX late morning, she had left me a voicemail on the XXXX at XXXX at XXXX, so I returned her phone call the next morning., And in fact on that very day I spoke to her twice because I forgot to tell her something and I called her back again. Then on XXXX XXXX around about XXXX or so I received a phone call from XXXX XXXX and she said she would be replacing the above person that I just spoke about. So I have been talking to their representatives all along. The representatives then said that they were told to call immediately and was giving no other information so the information that I share with them was the first that they had heard of it. The problem is with both of these ladies that called they were ready to do the modification based on the old appraisal with the incorrect square footage measurement which causes the incorrect value of the property. I explained to them that in doing this it would make the house unaffordable for me. They are still calling during the evening hours they called on XXXX XXXX at XXXX after I have asked him numerous times to call XXXX the XXXX hours when I am available. I was promised a phone call from XXXX XXXX in the XXXX I waited around as long as I could yesterday XXXX XXXX and of course she never called back. I have no problem with them needing more time, but slander and lies have to stop, I 'm not sure why this continues to happen, it is continuing to further XXXX and worry me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XXXX XXXX, a little over a year following my divorce, Wells Fargo foreclosed on my home. Local attorneys representing Wells Fargo attempted to collect a deficiency judgment on the property. Because I could not pay the debt, I filed Chapter XXXX bankruptcy because of the consequences of this debt, and I received a discharge of the bankruptcy from the XXXX Court for the XXXX XXXX XXXX in XXXX XXXX. The XXXX XXXX XXXX Court sustained my attorney 's objection to Wells Fargo 's motion for deficiency judgment in XXXX XXXX. 

Wells Fargo purchased a homeowner 's policy for this property in XXXX or XXXX XXXX. Even after the foreclosure, Wells Fargo maintained the policy and attempted to bill me for it. The final cancellation for the policy did not occur until XXXX XXXX, four months after my attorney sent them a letter reminding them of the foreclosure and informing them that I no longer owned the property. 

I continue to get mail from the Wells Fargo Home Preservation Department demanding that I call and speak to them about my loan and telling me that they are attempting to collect a debt. The home belongs to them, their motion for deficiency judgment was n't accepted by the court, and I owe them nothing.

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 2015-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
There are authorizations made on a debit card but takes several days to post on to a checking account. While the authorizations are made, there are no funds being held out of the checking account. This causes a situation where there can be literally hundreds of dollars in overdraft and returned item feeds. I have received over XXXX in overdraft and returned item fees in the past month and half. I 'm working two weeks and I have no funds after my direct deposit because of fees. A {$35.00} overdraft fee for a {$1.00} charge is excessive

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I opened a checking account to deposit my paycheck and that was all. I later logged into my account and noticed that there was also a savings account as well. Went into a branch to ask why that was on there, was told it was a way to save for future goals. I did not deposit much into the savings account and at one point moved all money from savings into checking and acquired a fee for a {$0.00} balance account. Was not told that fee would ever be applied.

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 2016-09-23 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I would like to file complaint against Wells Fargo bank, regarding my saving account. Account was closed without my knowledge and no explanation was ever given to me as to why suddenly my saving account was closed as well what happened to my savings/money! I opened saving account in 1998 with XXXX bank in XXXX, AZ that later became Wells Fargo bank. I had that saving account for more than 10 years and I put aside lots of money for emergency and different life events. Well account is gone/closed and money disappeared, Wells Fargo said in a letter mailed to me " due to the timeframe that has elapsed, we no longer have account statements ", also, bank stated " we can not locate a discrepancy for $ $ $ ". I truly believe that internal Wells Fargo employees stoled my saving account money by opening ghost account and transferring my money from saving account than simply closed the account.What an incredible lie from executive office of Wells Fargo bank. I am missing XXXX XXXX XXXX dollars from my saving account and bank got a nerve to tell me due to a timeframe they no longer can not locate account statements and a discrepancy for XXXX XXXX dollars! Pure lies and manipulation by the bank. Bottom line here is bank stoled my money and is hiding evidence as well selected individuals that work for the bank and their position. Pure internal FRAUD and SCAM. I am a pure VICTIM of FRAUD done by Wells Fargo employees!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I obtained an equity line of credit through Wachovia in XX/XX/XXXX. Wells Fargo Bank ( WFB ) bought Wachovia soon after and I received an transfer of the deed. I paid the loan off in XX/XX/XXXX the payoff went to WFB. There is a charge-off showing from Wells Fargo Equity for the exact same line I paid off. I can only assume all equity lines that were assumed through the buyout went to the Equity Dept of Wells Fargo whether the paid status was noted or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied for a new mortgage loan with XXXX over a month ago and have been denied due to the fact that Wells Fargo refuses to delete references to " bankruptcy '' and to take off an old statement from me regarding payments under the bankruptcy as being paid according to agreement ( Ch XXXX that is ). My Chapter XXXX was filed in XXXX 2006. It has been well over 10 years and Wells Fargo refuses to delete these references. XXXX, a company that works with lenders to correct credit reports conferenced me in with Wells Fargo TWICE in their attempts to have Wells Fargo correct these over 10-year old references to bankruptcy and Wells Fargo has flat out refused to do so. I would like to see them penalized with a maximum penalty and by whatever the law allows.

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 2015-10-08 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX filing a complaint on a loan company called California Check Cashing on XXXX XXXX, CA. I just had a baby, so I am having a little hard times right now especially with hours being cut at my part time job. So, I decided to get fast money by taking out a pay day loan. My baby boy needed a few things. I was approved for {$200.00}. My loan is due XXXX XXXX, 2015 of {$230.00}. I have been calling since the XXXX trying to get a payment plan like they let me do last year in XXXX, because hours got cut even more because of seasonal hiring. The loan company refuses to allow me to do a payment plan. They told me I can only do it once a year and I did it last year, this is 2015 now. Mind you I pay all my payday loans back on time and I am a regular custimer there and they refuse to work with me. I asked to speak with a manager or supervisor she refused to ransfer the call. Very bad customer service there.

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: TX

Complaint narrative:
XX/XX/XXXX- XX/XX/XXXX I had a checking account and a credit card with wells fargo they gave my account number to some other person who withdrew from my checking account and since i had overdraft protection with my credit card he/she kept withdrawing money until he withdrew XXXX. I filed a complaint with wellsfargo but nothing ever happen. After that my credit score wen down and I havent been able to get back to where I used to be

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