vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am a university student preparing for an internship in XXXX. I went to a branch office of Wells Fargo Bank in XXXX, Maryland and requested XXXX counter checks to cover the security deposit and rent on my summer sublet. What I was sold, at the time, were cashier checks, which I did not understand were not counter checks. I sent the counter checks to the lessor and they were apparently lost in the mail. Upon realizing this, I called the bank to stop payment on the checks but was told that I had to go into the bank branch office with the checks to issue the stop payment. I went to the bank the next day - XXXX XXXX, 2016 and was told that I had to pay {$120.00} for a surety bond for the XXXX checks and an additional {$62.00} for the stop payment. When I asked why I had to pay for a surety bond they just stated that it was the policy. I asked what the surety bond was for, and they indicated that it was for the re-issuance of the cashiers checks. I stated several times that I did not want the checks reissued, but they continued to state that I had to pay the surety bond fee because it was their policy. I asked several more times why a surety bond was needed when the checks were not being re-issued. The customer service person finally checked with a supervisor and reported that the {$120.00} fee was not necessary. If I had not asked the reason for the fee many times, I would have been charged {$120.00} for a service that was not necessary. They then went on to state that I still had to pay the {$62.00} fee to put a stop payment on the checks. This process took a total of 1.5 hours to resolve in the bank branch. After finally agreeing to pay the stop payment fee, I was told that I could not do it after all because the bank branch notary was not in the office that day. I was told that I would have to come back another day. My complaints are : 1 ) that I was sold XXXX cashier 's checks when I asked for counter checks which I learned would have been drawn on my account directly and which I could have cancelled over the phone ; 2 ) that Wells Fargo attempted to charge fees that were not appropriate for my situation ; 3 ) that the banks staff was not knowledgeable of the fee requirements, relied on simply stating that it was policy and only relented after several questions as to why the fee was necessary ; 4 ) that the bank, while open for business, did not have proper staff available to address my stop payment request ; 5 ) that by not providing the service as requested, added risk to me in the form of potential loss of funds ; and 6 ) that I was required to return on another day in order to complete the stop payment process.

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 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I lost my husband XXXX/XXXX/XXXX, then XXXX XXXX I lost my job. I was making my payments to Wells Fargo then I could n't afford it. I have asked for help and even have an attorney. i was denied, fliled an appeal in XX/XX/XXXX and found out today XXXX/XXXX/XXXX the appeal was denied. 
Also, they have me at XXXX % ratio. I need my payments lowered, or forgiveness of part of my principal. I need help ... .. 
I want to keep my home, I just need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
WellsFargo gouges their consumers by playing fast and loose with the dates when they close credit card billing cycles : they close the billing cycle earlier than they are supposed to thus not applying payments made on the last day of the business cycle towards the outstanding balance and therefore calculating higher monthly payments than they would otherwise have calculated had they closed the billing cycle on the day when they were supposed to. This gouges the customer twice : first, it calculates the minimum payment on the basis of a higher balance ; second, because they 've already calculated a minimum amount due the following month before the current billing cycle actually closed, they take the payment made on the last day of the billing cycle and apply it first towards paying this higher, fraudulently calculated payment, and only apply the remainder towards the balance. In addition, they never actually communicate when the billing cycles end to customers until after the fact. I had to call them and ask them to give me the last dates when I could make payments on my account. According to those days I should still have been able to apply a payment I made today towards the balance on my account but lo and behold, when I went online to make that payment ( I had planned to pay down {$1800.00} ) they had already calculated my minimum payment due next month. I called them about it again and now they are telling me that the business cycle ends not at midnight on the dates they had given me before but at XXXX am the day before. ( What?!?!?!? ). 
This has happened repeatedly with Wells Fargo, which is why I decided to call them and find out from them when exactly I could make my payments. They calculate interest on average on {$2000.00} more each month than they should, thereby costing me $ XXXX/month.

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 2015-06-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
There was a fraudulent late fee added to monthly payment. Statement history does not match the information that servicers are giving me. According to information provided by Wells Fargo, the late fee is n't a late fee, but rather accrued interest placed in the late fee section because " there was nowhere else to put it '', despite there being a section for outstanding interest. I was told this was the result of an adjustment and the late fee has nothing to do with XX/XX/XXXX, but was not reflected on my bill due XXXX/XXXX/2015 because the adjustment was done after that date. As I have issued complaints with the CFPB several times about similar issues and nothing has changed with the practices of this company, I no longer wish to deal with this company any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXXI want to place a complaint against ASC in regards to a loan modification for my subject property located at XXXX XXXX XXXX, XXXX, NY XXXX with a loan # XXXX. The reason for the complaint is due to in-compliance and mis interpretation of my loan modification review. They claim that the investor of my mortgage loan is XXXX, and they do not participate under the HAMP program. If they do not participate under the HAMP program, why was my file being review for a possible HAMP, when they know they do not participate in HAMP and they do not follow the guidelines. I should be reviewed for a Flex Loan Modification in which I know I qualify for, and I have evidence from a Loan Disposition Analysis in which I will attach. I was told I needed to reapply for a loan modification and I did as I placed a Loan Mod Package in XXXX of this year. Upon receiving the Loan Mod Package, they advise I needed it to speak to a " re entry team '' to see if I can be review for a loan mod in which they just informed me to fax a new package, once again, mis interpretation from the servicer. The XXXX entry team after an initial interview, advise me that I can be reviewed for a loan modification and advise me to send the following documentation on XXXX XXXX, and advise me that this will be needed to reactivate the file : - 2 pay stubs for XXXX 2 pay stubs from each company XXXX- 2 most recent bank statements- LOE of rental going up this month- LOE of start date for XXXX- new lease agreementUpon faxing the documentation on XXXX XXXX, I called on XXXX XXXX and they advise me that I need a lot more income that it was presented to reactivate the file, in which after the initial interview, they advise me I can be review for a possible loan mod. I do not understand what is going on with XXXX, I really want to keep my property but they keep mis interpreting my loan, not only causing me to fall behind even more, not allowing me to get a loan mod, in which I 'm ready to start paying back my loan. 
I executed a Loan Disposition Analysis and after a REST Analytical Report, with the use of an NPV Result, I qualify for a Flex Mod, and I 'm able to save my house, my investment that I had worked so hard to keep. 

Please help me come up with a solution with this bank and save my house. I really need your help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I signed up for the Wells Fargo optional Identity Theft Protection program earlier this year. It is a {$12.00} a month fee add-on product and service for credit monitoring, identity theft, and XXXX insurance. 
I called in XX/XX/XXXX to get rid of the product, the customer service agent assured me that the product was taken off and that I will not be charged for XX/XX/XXXX. XX/XX/XXXX came along and I received another {$12.00} fee, I went into the branch to dispute the charge the branch told me that they could not reverse the fee, but that I will not be charged in XX/XX/XXXX. XX/XX/XXXX came and again I received the same fee, this time I called customer service again they told me to go to the branch and the branch told me they could not do anything about the {$12.00} fee. We are now in XX/XX/XXXX and I still have the same {$12.00} fee. 
It has been six months from my initial communication with Wells Fargo and five months have past incurring the {$12.00} fee. That is a total of {$64.00}.

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 2016-11-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX Company review In progres XXXX/XXXX/2016 XXXX CFPB review In progress XXXX/XXXX/2016 It has been almost 90 days and now they want another 60 days this shows what is happening with what has taken place in wellsfargo I am sending some of the letters they have sent me. This has also created multiple fee 's and added other charges and I still have to make pmnts if i dont then my credit reports gets terrible XXXX had stated for me to continue making pmnts yet my credit has already been affected negatively and I was not able to refi my home because of all this that has taken place. 
FINALLY, INVESTIGATION HAS BEEN DONE BY MULTIPLE PERSONS FROM TH E SAME XXXX EXECUTIVE OFFICE AND NOW THEY ADDED ANOTHER PERSONS HER NAME IS XXXX XXXX. VERY IMPORTANT IS THAT THE CARD ENDING ON XXXX WAS CLOSED XXXX 2016 AND THE USED THAT AS LOST OR STOLEN IN XXXX/XXXX/2016 ACCORDING TO THE BANK AND THAT WAS A LIE AND THEY CREATED THE ONE ENDING ON XXXX HOWEVER, IF YOU LOOK AT THE ACTIVITY ON THAT CARD TH E FIRST ONE TOOK PLACE 20 DAYS LATER ON XXXX/XXXX/2016. DOES NOT MAKE ANY SENSE.

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 2016-07-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Since XXXX, I have been denied access to my account information and force to waive my legal rights to apply for a loan modification to default on my mortgage and foreclosure on my home by my lender Wells Fargo Bank. I have repeatedly question information on a marital account, have be denied access, or transferred until I am still denied support. I am told that my name is not on the account and that my wife name is the only name attached, but I have received billing statements that show my name does exist on the account. I have been paying a mortgage for my home, since XXXX. In XXXX, my wife abandoned our marriage and withheld financial information from me concerning our home. Further, I learned that she arbitrarily removed my name of the deed of trust with my knowledge and authorization, however, my name is still attached to the mortgage loan. In a divorce or separation, marital property is XXXX between spouses until a court of law determines who acquires the home in a settlement. The XXXX XXXX XXXX has not render a decision on the matter as the case is pending and I should not be forced out of my home because my wife is using unethical tactics to push me out with the support of Wells Fargo. I should have the opportunity to workout options to keep my home and not be forced into foreclosure when I have legal rights to preserve my home from loo mitigation. Further, I did not receive any warning or notice from Wells Fargo that they were going to conduct a non-judicial foreclosure sale until 4 days before the sale to take place on XXXX. I was suspiciously sent a late notice by my wife by mail, which alerted me that the sale was in a couple of days. This is improper conduct by Wells Fargo. They had an obligation to notify me of options, give me the option to modify the loan before referral to foreclosure and an opportunity to complete a loan modification application. I was denied when I was denied access to obtain the documents and information needed to complete the loan modification application and to consider my options.

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 2015-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My mortgage company ( Wells Fargo ) only uses one appraiser ( XXXX ) to establish the value of my home for the purposes of cancelling PMI. They do not allow the use of any other appraisal company. Wells Fargo contends that XXXX is an independent firm although they are both owned by the same parent company. XXXX ' evaluation of my property value was deliberately based on the lowest value comp in their appraisal and I believe is instructed to do so by Wells Fargo. This seems to be a common issue with Wels Fargo and XXXX. I draw your attention to a pending suit filed by the City of XXXX XXXX for this same reason. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Hello, I am a customer of Wells Fargo. I had XXXX accounts with them. I opened a second checking account with them when I found it would work better for my family. When moved over to that account, I was suddenly hit with a ton of overdraft charges in the other account. I wrote an e-mail to them, and the account was closed. I thought that was the end of business with that account because it was all fees that over-drafted the account. So, I moved money to my savings account the other day. It was automatically taken out to pay for the other account. I never received any documentation saying I owed them money, and I counted on that money in the saving account to pay my property taxes. I just think closing that account and not telling me that I still owed them money was wrong. I have legal insurance and will seek help from an attorney. They should have at least sent me a bill. What they did was wrong and unthinkable. As I said, a simple bill would have sufficed. I will try to move all of my accounts from that bank. I thought they were over the bad practices, and I was wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I currently hold the security deeds on my home, my husband is on themortgage loan. The Lender receives payments from me, the Lenderhas received written notice to release and forward all correspondenceto the borrowers spouse. The mailing address is the property addressthe lender refuses to acknowledge the request for mailing, due to aproperty damage insurance check that was withheld during a collaboratedprocess of timing with the insurance company to enforce a non-judicialforeclosure on my property. The Lender refused to adjudicate a mishandlingof the property damage claim check, from the insurance company bank andthe XXXX lender who was discharge in bankruptcy proceedings, holdingthe check promoting harassment and withholding information to claim viabanking policies and inside employment collaboration. The continuation ofthis situation between the mortgage companies and the insurance companybank, clearly instigate RED LINING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have foreclosure sale date of XXXX/XXXX/15 and submitted previous documentation in case # XXXX. On Wednesday XXXX XXXX, 2015 at XXXX in the afternoon I received a call from XXXX ( or XXXX ) from Wells Fargo in the " Customer Care and Recovery Group ''. She stated that she had received my inquiry for a request for a Home Modification.She then verified my loan number contact info and asked me to verify my request which I did. I told her and she confirmed that the present foreclosure date was XXXX/XXXX/15. She then stated that it would take a day or XXXX maybe for the post phonement date. She also stated that I would have a new primary point of contact to process my request and that would take a day or XXXX to complete. I asked before the call ended did we have time and she said yes we have '' plenty of time '' between now and Monday. I then thanked her for her call.She gave me her contact information, At no time during our conversation did she indicate a problem or an approval from the foreclosure department about the sale date. To the best f my knowledge at that time she did not mention the CFPB complaint that I filed. I had also sent a request to XXXX XXXX, PA whom Wells Fargo had designated asa point of contact. 
A few minutes later I received a call from XXXX from XXXX with whom I had filled out a hardship application. He stated that Wells Fargo was the hardest lender to work with and that in his opinion form the documentation that I submitted that we had a good chance to qualify for a modification. I told him that Wells Fargo had just called and that the sale date was to be post phoned. I thanked him for his time. 
On Friday XXXX XXXX at XXXX I called her since I had no heard anything to check the status. She then gave new primary contact contact was to be XXXX XXXX who would contact me. At this time she indicated that she was responding to my CFPB complaint. XXXX t.hen called me at XXXX in the afternoon on XXXX XXXX He informed that Wells Fargo would not post phone the sale date and they would respond to my complaint. I was in complete shock when he said this. He had me if I had any questions and I told him that I was mislead by yprevious conversations. 

The Wells Fargo employees were professional and polite. HOWEVER I WAS MISINFORMED by XXXX and she did not explain. THe consequences of this is that I lost XXXX hours of critical timing and the opportunity to work with a XXXX party. No consumer should have to endure what I just went thru. Their needs to be some type of protection to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIRST CHOICE LOAN SERVICES INC.
State: CA

Complaint narrative:
We received the final closing disclosure from the lender prior to close stating we would need {$3200.00} to close. The day the notary showed up he had a paper saying we 'd need {$3900.00} to close. I showed him our disclosure and he said that ours must be right and they must have made a mistake on his end and accepted our certified check for the lower amount. Today ( the following week ) the lender called and said we could n't close on the loan because we were short {$680.00}, having only provided a check for the lower amount, and we 'd need to drive XXXX miles to the title company with the extra funds today to prevent the loan from falling through. I feel it is deceptive for this " bait and switch '' demanding nearly {$700.00} extra at the last second in clear discrepancy with the closing disclosure we were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
I had an installment loan with Cash Central which they reported to XXXX XXXX and XXXX despite explicitly agreeing not to. I disputed this once via CFPB and Cash Central agreed to remove it. I just checked XXXX reports and they have not done so. They are in violation of the agreement. They need to remove this from XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
Money was sent VIA Western Union to the XXXX. My recepient of the funds was denied payment of the funds upon presenting the correct tracking number.

Company response to consumer: Closed with explanation