vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My most recent Wells Fargo bank statement includes a generic statement : " We can close your account at any time... We may but are not required to allow you to leave on deposit sufficient funds to cover outstanding items to be paid from your account '' There are no reasons given as to why my account may be closed at any time. This statement probably appears on all Wells Fargo statements, but is not backed up by any documentation. The irony is that in a previous paragraph, it reads : " Thank you for being a loyal Wells Fargo customer We value your trust in our company... '' My question is : How can a federally regulated bank get away with making what to me is a harassing statement without backing it up by documentation?

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 2015-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a new issue with Wells Fargo Home Mortgage. In XXXX I had this loan discharged in bankruptcy. Because I am XXXX XXXX XXXX and protected by SCRA they could not come and foreclose on the home included in the bankruptcy. I am currently trying to get financed for a new home loan and when the underwriter pulled a Fraud Risk Score it showed XXXX separated dates in which Wells Fargo filed a Notice Of Default XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never received any NOD in the mail and I question the authenticity and legality of it. In XXXX we sold the home that was financed by Wells Fargo no one informed us that we could attempt to sell it after bankruptcy. When we filed bankruptcy we owed Wells XXXX the home sold for XXXX and we still had to close as a short sale because of all of the ridiculous fees Wells charged. It 's time that someone looked into this situation we have filed numerous disputes without action. How much destruction is XXXX company allowed to cause before action is taken. I will now not be allowed to get financed for a new home because of the Notices of default placed on my record ; this puts my family and future in even further distress. I called and asked Wells Fargo for letters stating that " the NOD was filed in error but we are continually put off. I am attaching the Fraud report and my bankruptcy paperwork as evidence. Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I am being forclosed on by Wells Fargo. I have been in my home for XXXX years, my mortgage has been traded or sold a few times. When Wells Fargo had it, they gave me a line of credit which they said was like a XXXX mortgage. I was having some financial difficulty because of a theft and tried to refinance. WF took that line of credit and my XXXX mortgage a put them together telling me it was a modification.They told me the interest would be a lot lower than 12 % and I would be paying less what I was paying at the time. They instead brought the interest rate up to 12.02 % and {$1100.00} a month and told me I did n't have a choice in the matter and I should have read the fine print. In XX/XX/XXXX I lost my job of XXXX years becuase my boss XXXX. I was on unemployment for a XXXX in which they temporarily reduced my payment. They told me they would work with me and make it so I could still afford my home after the unimployment was done. I have applied and reaplied. They will notwork with me. I can not afford the 12 % interest and {$1100.00} payments since I only make {$XXXX} an hour now. They refused me a Hamp Loan or any other plan because they say that I got my loan after XX/XX/XXXX which is not true. They even tried to sue me for the title that they lost. The people bullied me and were very rude. The woman that I talked a few times keep calling me and telling me that I needed to just turn over the house to them and after my surgery I could die then it would be a problem for them to get the house settled so just turn the house over to them before I went to the hospital.. At the moment I am trying to find a Lawyer that can help with this. I did have a Mortgage counsiler from the State that spent XXXX hours working with me and WF trying to resolve this. She said that she had concerns of their predatory nature of thta loan. I do not want to lose my home. I am trying to get the loan where I can afford it at an resonable interest rate. Im not sure where to turn. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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: AZ

Complaint narrative:
The loan is through Wells Fargo. I am the co-signer. My son has been under employed or unemployed for nearly 3 years. As the co-signer, I am keeping the loan current. However, I have asked Wells numerous times to send me a billing, allow me access via on line or something so that I know what is due and when. They say I need to have the primary account holder change the address or take other steps. They acknowledge that my obligation is not activated until it is past due. However, they call me when the account goes 10 or 14 days past due and then hit me with a $ XXXX {$30.00} late fee. It seems unfair that due to their system limitations and/or unwillingness to get me timely information, I get stuck with a late fee. They also have informed me that as of the end of every month they report to credit agencies. Based on that information, that means they are regularly showing a negative impact of my credit rating. I am the only thing standing between Wells Fargo and a charge off yet I get negative comments on my credit report and hit with late fees. Does this seem reasonable?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I opened a Wells Fargo Credit card back in XXXX of 2015. As of XXXX this year the bank had not reported any of payment activities to the credit bureau contrary to their credit reporting policy which states that they need to report all accounts on a monthly basis. 
I 'm trying to accomplish a credit history using this Credit card and as result of their deceptive and unfair business practices I 'm not able to do. I reached to Wells Fargo by phone, in writing and even went to the branch and worked with a banker to resolve the issue but it remained uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
XXXX CFPB casses compaints against wells fargo bank [ morgages ] wells fago bank has comitted fraud and perjury in courts across america, THAT MEANS ALL FINAL JUDGEMANTS FROM XX/XX/XXXX to XX/XX/XXXX SHOULD BE ANNULLED and propertys stolen by fraud and perjury should be returned or the total value plus interest to date and jail for all that took part in this criminal act of crime and this is more important than acounts that were falsly set up THIS IS A DELIBERATE ACT TO COVER UP OR DECEIVE JAIL FOR CROOKS

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
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
I feel the need to put this in front of the powers that be. I am a mortgage loan originator for XXXX XXXX in XXXX Florida. I have made it my goal to help my clients in everyway possible for there home purchases and refinances. I have encounter a lot of hiccups lately with dealing on new home purchases. In particular XXXX XXXX in XXXX XXXX XXXX. I have now had XXXX clients that have purchased there new homes and I have to say that even though there homes are great quality there business practices are appalling. I have to say what they do seems and sounds like Steering to me. Here 's why : When you enter an XXXX home you can clearly see signs about using there preferred lender for No Closing costs ( which is already a lie ) And than after telling a rep of XXXX homes that your financing has been secured they pass your information on to there preferred lender who proceeds to barrage the borrower with emails ... even after telling them there is no interest in dealing with them. It is clear that steering is taking place because it is written in there contracts and told to the borrower that if you do not use our finance company than you will incur all the closing costs as opposed to paying none of them. If XXXX homes has no financial benefit from using there preferred lender than why force the fees that are traditionally covered in our area? Why penalize the borrower thousands of dollar 's? XXXX of there preferred lenders is FBC Mortgage from XXXX Florida. They call the client after a {$1000.00}. deposit is made and ask a couple of questions. They do not run the credit of the borrower, but still send them an approval for a loan. If the home is being built than XXXX can pocket the {$1000.00}. deposit and claim the borrower no longer qualifies and puts the home on the market. This leaves the initial person after months of waiting out of his money and a home! I have read numerous complaints online of this act. It seems criminal and I am surprised to see it continue to happen over the years with no investigation to the process. I do n't know if you receive the complaints on this or if this is the right place for it, but I feel enough is enough with this practice and felt compelled to write about it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XX/XX/XXXX we began negotiations with Wells Fargo Home Mortgage to a deed in lieu of foreclosure. Each time we near the end of the application process, we are given the name of a " Home Preservation Specialist ''. When we call back that number, either the person no longer works there OR we leave a voicemail and no one calls back. They have done an inspection of the house and tell us, this will take another week or two to close. When we call to speak with someone, twice we have been told our documents are expired and we have to begin the application process again. We sent documents by XXXX last week, which were delivered and have been told this process of reviewing will take 30-45 days. In the meantime, they will have foreclosed on our house.

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 2016-10-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was a Wells Fargo customer with their Wells Fargo Visa XXXX which gave XXXX points per {$1.00} spent at drug stores and grocery stores. I bought prepaid cards as defined legally as " XXXX '' by the CFPB. The T & Cs from Wells Fargo state we can not buy cash equivalents such as money orders or pre-paid gift cards. " XXXX '' is explicitly defined as NOT a gift card by the CFPB. Furthermore, cash equivalents have a definition as well. Cash equivalents include all undeposited negotiable instruments ( such as checks ), bank drafts, money orders and certain certificates of deposit. Of which, a XXXX '' is none. 
I received a letter asking me to cease buying prepaid cards or they would shut down my account. I did so immediately but nonetheless they shut down my account and took all the rewards I had earned which totaled {$5000.00}. I contacted Wells Fargo 's XXXX office and complained that I had done exactly what they had asked but still they closed my account and took all my hard earned rewards where in the end I lost money. 
I get that they can terminate the relationship at any time, but they should n't be holding back rewards, as what I did was not in violation of the contract.

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 2015-12-17 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SECURITY FINANCE CORP
State: UT

Complaint narrative:
I was in Jail at the time that this loan was taken out so i do n't know how I am anyway liable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have repeatedly asked Wells Fargo to stop sending me marketing materials regarding my HSA - and they keep on sending them to 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 2016-10-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have private student loans with Wells Fargo Bank. I have a full time job that requires me to travel both out of state and out of the country, I had a gap in college attendance last XXXX. Because of that, my student loan payback was scheduled to begin. I enrolled in College XXXX to begin in XXXX, as I have approximately XXXX classes left to complete my XXXX XXXX. 

In XXXX I spoke with a Wells Fargo representative and was told if I made a payment right then, it would keep my loans out of default and then when my classes started in XXXX my loans would again go into deferment. So I made the payment they required to keep my loans out of default. I started school in XXXX and asked my college to send verification to Wells Fargo, as I was instructed to do by the Wells Fargo Representative. 

My college 's policy ( XXXX XXXX ), is to only verify enrollment after the class drop date is passed, which is 4 weeks into the semester. Wells Fargo did try to verify my enrollment - but it was before the school will provide verification. This week I received notification that my loan is in default, and Wells Fargo also reported this to all XXXX credit bureaus, which in turn lowered my credit score from XXXX to XXXX. I have worked hard to maintain a great credit rating by always paying all my bills on time. 

After receiving notification I have spoken to several Wells Fargo representatives and explained my College 's policy and requested they verify it now as the 4 weeks has passed. 
They told me there is nothing they can or will do and are proceeding with the defaults. There is no way I can currently begin paying back these loans. I followed what Wells Fargo told me to do and they still continue to process a default. My college has now provided verification of my attendance to Wells Fargo and yet they still refuse to remove the default and restore my credit rating. 

it is unjust for Wells Fargo Bank to tell me how to resolve this situation and then after I follow exactly what they instructed me to do, they do n't do what they promised to do and instead force me into default ruining my financial future.

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 2015-05-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Today Wells Fargo closed my credit card account. I found out when logging into my online account. No prior notification was provided. 

I made several calls to Wells Fargo on the matter. Phone agents disclosed the following reasons for account closure:XXXX Unsatisfactory relationship on a Wells Fargo checking account. This account was closed following a CFPB complaint on their payment posting process, disclosures and timeline. 
XXXX. Agents indicated Wells Fargo Risk sent a letter in early XXXX that I failed to respond to. I received no such letter and Wells Fargo Fraud agents later confirmed none was sent. 
XXXX. Cardholder abuse. 

This credit card has a marketed rewards offer of 5 % cash back unlimited for the XXXX six month. I have used this credit card to maximize this offer and suspect this is the core reason for the closure as noted in my account. 

I am fully compliant with the terms and conditions of the cardholder agreement. 

This is a clear case of Wells Fargo baiting and switching their marketing offers. 

I will further follow up with the Attorney General 's office and the Federal Trade Commission.

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: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WellsFargo is charging overdraft fee on online transfers. It is impossible to transfer funds between account if the funds are n't available. I transferred {$520.00} that showed available after my direct deposit on XXXX/XXXX/2016 and was charged {$35.00} XXXX/XXXX/2016 as follow : XXXX/XXXX/16 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$520.00} ONLINE TRANSFER TO XXXX EVER YDAY CHECKING XXXX {$35.00}

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 2016-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/2015, I unknowingly cashed a fraudulent check that was sent to me at my college campus. I was n't too concerned because I work in the office of donations to my school and see checks sent to the school, departments, and even students all the time. I have great relationships with the staff and faculty at my school and am an excellent student. So I assumed that one of the many faculty/staff members that know me was able to procure a donation for my financial aid. A week after I cashed the check, Wells Fargo called me, informed me that it was fraudulent, said I owed them {$2400.00} and said goodbye. Since then, they have sent mail to me via my school address and reported the incident to the collections agency which prevented me from getting any loans for this year. I also was not able to get an apartment for my last year of college which was something I desperately wanted. I personally feel that a giant financial corporation such as Wells Fargo should not be taking advantage of a college student that figured the bank she had been with for three years would look out for her. But instead, Wells Fargo has made my life XXXX when they could blow their noses with {$2400.00} yet they want to force me to pay it back and if I do n't, my life will never progress the way it should.

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 2015-12-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: CA

Complaint narrative:
They have increased my interest rates XXXX times since they bought our loans from XXXX. 
I NEVER agree to ANY rate increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Between XXXX 2016 and XXXX 2016 Suntrust Bank has charged me more than {$500.00} in overdraft fees caused by their policy of reversing debits to increase the number of fees that they can charge. Some of the debits that they reversed on my account were days old before they reversed them. Some of these charges were less than {$10.00} and incurred charges of {$37.00}.

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 2016-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: VA

Complaint narrative:
My servicer Fedloan is not acknowledging my offer to pay. I have been asking them for the orginial promissory note which they keep sending me blacked out copies of a promissory note not my note. I have sent them several certified mail letters asking for they contract with me that I signed for them to collect a supposed debt. They have violated several Truth in Lending and FDCPA codes.

Company response to consumer: Closed with explanation