vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was charged 13 months of interest payments in 2013 ( with XXXX interest charges applied XX/XX/2013 ). I recently found this issue when confirming the amount to pay off the mortgage. After discussions with at least XXXX people at Wells Fargo ( most of whom acknowledged the issue ), I was essentially told that it was 3 years ago and Wells Fargo was not going to do anything about it. My mortgage does not have a prepayment penalty so it 's not clear why prepaying the mortgage would result in an extra interest payment. Wells Fargo could also not explain why this issue occurred in XXXX, 2013 but none of the other months ( before or after XXXX 2013 ) when more than the minimum monthly payment was made. The extra month of interest that I was charged results in over a {$1100.00} increase to my current mortgage 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 explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
My wife transferred funds using the Wells Fargo website to move the money from another bank in to our wells fargo checking account to cover bills that automatically withdraw. The wells fargo website said she was doing a same day transfer. That was the XX/XX/XXXX but the money did n't show up until the XX/XX/XXXX, and we got charged {$70.00} in late fees for the XXXX bills that withdrew, XXXX on the XX/XX/XXXX and the other on the XX/XX/XXXX. We were charged a {$35.00} late fee for each charge, including the one that withdrew the same day as the deposit, but was still considered as us having insufficient funds. I went in to a branch to talk with a banker and he flat said he could n't do anything about the fees because he showed the money was n't deposited until the XXXX. I told him I had the confirmation number that their website gave me and he still refused to do anything. I called in to the customer service phone number and was told that it was the other banks fault and i should talk to them. I confirmed with my wife that the transfer was initiated with wells fargo and called customer service back. I was told that the person on the phone could see the transfer being placed into the account on the XX/XX/XXXX, but had no way of knowing when that transfer was initiated. She told me she was transferring me and disconnected the call. I called back a third time and finally spoke with someone who was willing and able to help me. She was able to see that I initiated the transfer on the XX/XX/XXXX, that it was supposed to be a same day transfer, and that it was not deposited until the XX/XX/XXXX. After a brief check she told me there was a known technical issue with online transfers that was not fixed until the XX/XX/XXXX, which resulted in the delay. Assuming that she was being truthful, Wells Fargo knew about a technical glitch that was causing delays in deposits that had the potential to cause late fees that would cost customers {$35.00} each. Not only did they not notify customers that were or might have been affected, they did n't even tell their internal staff. So when I tried to get some relief from the late fees that should n't have been charged in the first place, their own employees did n't even know how to help me and thus refused. Those late fees, of course, are profit for wells fargo. So they have a financial interest in people not knowing that the late fees were in fact the fault of the bank. They did nothing to correct the issue and attempted to hide it from customers. I have spent XXXX hours today trying to resolve something that should have taken XXXX XXXX minute phone call. All so wells fargo can keep as much of the illegitimate late fees as they can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a mortgage payment online and my mortgage bank changed the amount of the payment. I called them, they called me a liar. They said I changed the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
WELLS FARGO BANK MORTGAGES, { CROOKS } This is the XXXX time this year that fraud and perjury has been commited by this bank, and fined by the cfpb, yet no compensation has been passed on to the consumer? i think this is a deliberate act to making the consumer think that justice is being done to wells fargo bank, i request proof and proof of consumer recieved paymants, this bank and ceo XXXX XXXX is a lieying cheeting piece of scum, and should be in jail, the fraudulent mortgage fraud is far more important card and charges? and incured vast amounts of peoples moneys [ STOLEN ] by wells fargo bank [ mortgages ] there has been fraud, perjury, fasifying documants, Theft of moneys, counterfiting, all committed by staff for the banks gain [ greed ] i demand that wells fargo bank mortgages are brought to justice also corrupt [ tickiting ] judge XXXX XXXX whom has passed missery onto familys for his personal greed? bank shareholder, He mocked my XXXX language [ XXXX ] this bank needs to be closed down NOW

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 2016-06-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought a XXXX XXXX from a business in XXXX XXXX CA XXXX XX/XX/2016. Part of the purchase I paid with my VISA & the remainder {$1600.00} I used the store 's promo offer of 6 months same as cash - no interest. I only financed {$1600.00}. This financing is through Wells Fargo Home Furnishing - my statements say ( XXXX ). Someone in this string of financing has been allowed to ADD money to my account when I only filed documentation to finance {$1600.00}. At this point - I feel Wells Fargo should NEVER have allowed the business access to my account to make such an entry or maybe Wells Fargo made the addition - that is unclear. & if Wells Fargo DID allow access, they only have paperwork supporting my {$1600.00} financing purchase. Today my bill states I owe {$2000.00} & I have paid {$40.00} each month times 3 months or {$120.00} towards my {$1600.00} bill, making my total due = {$1400.00}. I have talked to both the business ( the business has lost my paperwork - seriously - lost it - XXXX XXXX ) & Wells Fargo ( XXXX different agents XXXX & XXXX on XX/XX/2016 ) -- my consumer recourse is to submit a dispute which could take up to 90 days to resolve. Really? How is any business allowed to debit me in anyway without the proper paperwork? Wells Fargo is my target of this complaint. In 90 days my whole financing agreement will be over. The fact is, there should not be an " open-ended '' account by any organization allowing for money to be debited in a consumer 's name. Period.

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 2016-08-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
this is an ongoing complaint with Wells Fargo complaint # : XXXX. In there last response. I have provided them with Rental agreement and rent checks that were requested for the HAMP modifications in XX/XX/XXXX also as XXXX XXXX request proof of residency which I provided. Wells fargo has failed to respond to this undeniable proof. So can this be considered and admittance the deceived the Federal Government threw the HAMP program and XXXX XXXX in XXXX to obtain federal funded monies.Also after XXXX XXXX approved XXXX XXXX for the loan modification XX/XX/XXXX and asked for proof of residency which was provided he was then denied again Deception to a mortgage holder to cause this foreclose because of his age. In my opinion. Also Wells Fargo keeps ignoring the fact that after the loan modification approval XXXX XXXX XXXX XXXX would of been his primary resident which is all that should of been taken into considerations. Not the past.Also Wells Fargo refuses to provide ALL documents from both sides as requested. Why? Is this matter considered closed lawsuits can be filed.

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 2016-11-05 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: CA

Complaint narrative:
This claim is related to the complaint I filed against Wells Fargo XXXX. Instead of placing the loan in forbearance and removing all the negative damage they had done to my credit as requested they listed it as a charge off. Unbelievable. I think I will be closing the checking and savings accounts I have held there for the last 30 years. Really who needs a bank like that? XXXX too Wells Fargo.

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: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
i had bought a vehicle from a dealership that sold it to me illegally by selling it to me without having a title in hand. come to find out they never paid off the remaining amount that was owed when the previous owner sold it to them to his bank ( XXXX XXXX ). so there was XXXX people paying on the same vehicle when it comes down to it all because the dealership never paid the remaining amount that was owed to previous owners bank to get the title in hand. and since previous owner did n't possess the vehicle anymore he refused to keep paying for the vehicle anymore, so his bank ( XXXX XXXX ) came and found my vehicle that i had now possession over and repossessed it from me because of failed payments. now i 'm making payments own this car loan when i no longer possess this vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I THINK YOUR BANK HERE IS DOING SOME FRADULENT TRANSACTIONS WITH MY ACCOUNT, FOR THE LAST TWO MONTH I HAVE HAD ALL OF MY XXXX SOCIALSECURITY CHECK TAKEN TO THE LAST PENNY.IM A WIDOW AND IM XXXX WITH XXXX, .THEY ARE LETTING XXXX RUN MY ACCOUNT SEVERAL TIME IN EACH MONTH SO THAT THEY WILL GET THE FEE PLUS XXXX WILL GET THEIR PYMT.IT ONLY ONCE A MONTH I PAY THEM AND I DIDNT AGREE FOR THEM TO TAKE IT OUT OF MY BANK ACCOUNT EACH MONTH.NOW THIS WILL BE 2 MONTH I HAVE HAD TO GO WITHOUT MEDICATION OR FOOD OR BILLS PAID.THEY ARE RIPPING PEOPLES OFF HERE THROUGH YOUR BANK AND IM NOT THE FIRST ONE .IM HAVING AN ATTRONEY SUE.I WANT MY ACCOUNT CLOSE WITH WELLS FARGO AND THEY SEEMS TO DONT WANT TO LET ME CLOSE OUT MY ACCOUNT.I HAVE OPEN AN ACCOUNT WITH ANOTHER BANK AND HAD IT CHANGE BY THE XXXX PEOPLES AND IT WERE NOT CHANGE THROUGH WELLS FARGO.THE GOVERMENT IS IN THIS WITH ME SO ARE FOLLOWERS OF THE SAME THINGS HAPPEN TO THEM.

Company public response: Company 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: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a checking and savings account with Wells Fargo as well as a credit card through them ( which I did not ask for, but that 's a separate complaint ). I get paid on Fridays and over the weekend I made several purchases which posted as they were meant to on Monday. On Monday evening I logged into my online banking to check my account before sending {$20.00} to my credit card and then making a purchase with money I sent from my savings account. This morning I saw that my purchase had been shipped and so I logged in to my Wells Fargo online banking only to find an overdraft of {$35.00} on my account ostensibly for the {$20.00} I had sent to my credit card the night before. I have attached a screenshot of my online banking taken around XXXX on XXXX/XXXX/16. 
When I called Wells Fargo to ask them to explain why they had allowed a payment from that account ( I have it set to decline any charge which would cause an overdraft, something which they have repeatedly abused ) if there was n't the {$20.00} in that account, they said that after that charge, which on the online system is listed as the cause for that overdraft fee ( not the other purchase I made, which posted on Tuesday ), I had {$13.00} left in that account but they were not authorized to refund me the overdraft fee, even though it was clearly and obviously fradulent. 
Now, because I have a {$35.00} overdraft fee I ca n't cover the purchase that went through Tuesday, and will have to get another {$35.00} fee on that purchase. I 'm going to try to go into my local branch but you 'd think that a ), they would n't have let the payment to my credit card go through if that money was n't in the account ( which there was ), and b ), would either have been able to refund me the {$35.00} overdraft fee so that I could pay for the new charge, or at the very least, c ), would cancel the new charge so that I could resolve the problem without incurring a second overdraft charge. This is RIDICULOUS, and it happens with Wells Fargo all the time. 
In addition to this latest outrage, I have caught them several times re-enrolling me in the system that allows overdrafts to happen, a system which is legally supposed to be opt-in, not opt-out. I 'm about to move on to a credit union, but I 'm on a budget and I simply ca n't afford another spurious overdraft fee. Thanks for any assistance you can provide.

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: Credit card — 
Issue: Convenience checks — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is sending unsolicited XXXX '' - checks that draw from your credit card. In my opinion these are extremely confusing to customers to send out, and now disposing of these correctly has become my problem. 

Each check includes at least XXXX digits of my credit card number, and recovery of any check would be enough to deposit it electronically on my credit line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been trying to modify my home loan with Wells Fargo. I have been denied twice, the first denial was because too much income and the second was due to not enough. My son contributes money to our household which I had provided to Wells Fargo, they then declined my modification due to too much income. I reapplied without his contribution and was then denied for not enough income. My husband is XXXX, as with any business things get slow and we struggle just many other people. I am not able to work, I have XXXX and XXXX. I am XXXX that someone can help me save my home. I want to finish out my life here where we have made many memories and hope to make many more

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 2016-10-02 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wellsfargo bank in Nj has token {$200.00} dollars from my account in XXXX and XXXX ofXXXX they also has taken {$20.00} dollars from my on today XXXX XXXX. I have reported them several times to there Corporate office in Nc. This is fraud and I had enough I do n't work hard for there employees to steal my money. My names is XXXX 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 2016-07-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I applied for a Wells Fargo Rewards credit card and was approved in XXXX 2016. When I received the card, I noticed it was not enrolled in the XXXX rewards promotion for which I specifically applied. I inquired via secure message on the Wells Fargo web site and via phone calls to both general customer service and the rewards department. The only coherent response I received was something about a 16-month limit but I read no such limitation when applying for the card.

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 2015-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XXXX XXXX, 2015, an elderly customer went into a local branch of Wells Fargo in XXXX, PA and asked the teller to transfer {$6000.00} from a savings account into a checking account. The teller, in error, transferred the money from the checking into a savings account. This action caused the checking account to be negative. On XXXX XXXX, the customer attempted to withdraw money via an ATM and was not able to because of the negative checking account balance. The customer went into the branch for assistance and that is when the teller error was discovered. The branch reversed what they did and that brought the account into the positive. The branch manager apologized for the error, assured the customer that fees had been reversed and the customer leaves. Later that same week, the customer attempts to take money out from an ATM and again, there was no funds available. The customer goes into the branch again to see the branch manager. The branch manager advised the customer that this issue was his fault. It was the customer 's responsibility to monitor his account on line and that it was his own fault that the transfer was done backwards and that had he reviewed his account on line, this would never have occurred. Then the branch manager lectured the customer to the benefits of paying bills on line. The reason the customer was not able to withdraw funds the XXXX time was due to the branch reversing their error, but never actually doing the original transfer. Upon reconciling the checking account, the customer discovered the transfer had not taken place and the funds were moved at that point. It was also found that not all of the fees incurred were not reversed entirely, but only partially.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I opened a account with Wells Fargo Bank on XX/XX/2016. I told them that I did NOT want my Social Security check transferred until I get all my automatic withdraws taken care of and then close my old account. They told me no problem and to come in when I was ready to do this. They transferred my Social Security check to my new account on XX/XX/2016 without my permission. On XX/XX/XXXX, the date my direct deposit goes through, I was negative in my old account due to Wells Fargo switching my Social Security check direct deposit. I went into the bank and talked to the representative and the branch manager they told me that they never sent anything in and no paperwork was sent in. I told Wells Fargo that they did because I talked to Social Security office that day and they told me that it was deposited in the Wells Fargo account. I 'm now getting charged every day over draft fees. I went back to Wells Fargo to explain that I shouldnt be responsible for these charges because it was their fault. The branch manager told me that they are not responsible and can not do anything about the overdraft charges. I have contacted Corporate and the regional manager and having no luck to resolve this issue.

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 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To whom it may concern : I complained to Wells Fargo Bank that I did not receive the service, amenities and destinations that I purchased from XXXX. For this reason, I was disputing the transaction. 

I have received a letter from Wells Fargo bank that my claim # XXXX has been closed. 
On XXXX XXXX, 2016 I emailed Wells Fargo as well as mailed them a letter that the letter they mailed to me stating they closed my claim must be a mistake because they are addressing different concerns in that letter, that do not pertain to my case. 
On XXXX XXXX, 2016 I called to find out if Wells Fargo received my response / concern. Also, I requested the copies of merchants response to the inquiry / my claim. Instead I received the general contract from XXXX that could be printed out from their website or if you call XXXX and ask for the general contract. I received copies from my emails that I sent to Wells Fargo and my charges. In XXXX word, nothing of what I requested. 
On XXXX XXXX, 2016 I called and asked to speak with the manager and was told that XXXX XXXX will be calling me back within 48 hours, however no one called me back. 

I believe Wells Fargo should have a protocol they follow and it was not followed in my case. I have a dispute where I am looking to get my money back and instead Wells Fargo addressing some other issues and not what I am disputing. 
Please look into my situation and address my concerns. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation