vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I have a credit card through Wells Fargo Bank. I reached my limit and came to a payment agreement with them that I would no longer be able to charge on my card. They are taking automatic deductions from my checking account. However, once they started doing that they stopped sending me statements in the mail. I tried opening an online account so I can keep track of the account and the site would not allow me to do so. I called them to ask them to help me set up an online account and they told me that because the account was " over charged '' and had been closed, that they would no longer provide me with or allow me to open an online account. The only way they offered for me to follow the progress of my payments was to call them monthly and they would tell me what my balance is. Can they take money from me without giving me a written method of following the account? For all I know, the money could be going to another account or being put into someone 's personal account. I want to be able to open an online account so I can check on the balance and make sure my money is being applied to my account.

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 — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo signed me up for their " Go Farther '' rewards program without my request. They began sending me monthly emails showing my zero balance. And there is no way to opt out of the emails other than canceling the program. 
It took 24 minutes on the phone to cancel the program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hi, my name is XXXX XXXX and I reside at XXXX XXXX XXXX in XXXX, New Jersey XXXX. I have a mortgage with Wells Fargo Home Mortgage and I am trying to receive a loan modification on my mortgage. Wells Fargo is violating the law by not modifying my mortgage and I submitted twice for modification and they have refused like they continue doing with majority of people. They have my property schedule on XXXX XXXX, 2016 for Sheriff Foreclosure Sale. I need your help in this matter and thank you for your cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have been getting about 10 to 20 calls a day from XXXX Jewelers. I asked a month ago to stop calling. They did n't and I continued to get mass amounts of calls. From so many numbers I could n't begin to catch them all. I spoke with a supervisor today and told them I was getting around 15 calls a day and he literally said no we rarely call more than 10. I explained my situation and he said I should return everything. I explained I no longer had it. My husband died in 2016, I lost my job in 2016. I expected to get unemployment for a year but it turns out it was 6 months. They also admitted they called from multiple numbers daily. I am getting the same from XXXX bank those numbers come in unknown or blocked or unavailable. I am so scared to answer the phone, get the mail. I 'm already taking massive antidepressants I ca n't handle the stress. Please help.

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: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On my car loan, my principal payment did not all go to my balance of the car. It is a fixed payment amount. I just received a letter that shows principal and interest, but the amount of earlier payments did not reflect the actual reduction in balance. I want wells fargo to credit my payment balance to the account.

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 2017-01-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I discovered that I was a victim of identity theft when TD Bank sent me a congratulations letter for opening an account with them. I do not bank with TD Bank nor have I ever banked with them in any manner. I promptly notified TD Bank of the theft and completed a series of letters through the Federal Trade Commission ID theft reporting system. TD bank acknowledged this theft over the phone with me and said they were working immediately to stop/close and reconcile the matter. Now, about 1 month later, I am STILL getting bank statements from TD Bank indicating " my account '' is still open and in existence. I need this matter reconciled completely and all matters closed/cancelled with TD Bank please. I did not apply for any account and/or services with TD Bank and this is 100 % Identity Theft/Fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a vechicle loan with Wells Fargo Auto XX/XX/XXXX. On my XXXX credit reports, Wells Fargo is reporting XXXX entries for auto loan, XXXX date with the correct date XX/XX/XXXX and the other with the incorrect date XX/XX/XXXX I never had or opened a auto loan with Wells Fargo Auto XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealer Services has violated the FDCPA. 

They are calling my employer phone # and leaving messages for me, this is after I have notified them that my employer does not allow personal calls and I asked them NOT to contact me at work period but they did on XXXX. This is after speaking with me twice on my cell phone while I was driving. 

The have violated the Act by contacting XXXX parties. There was no need to contact a XXXX party. I believe it was for embarrassment. I have spoke with them on the same day and on multiple occasion within the last 2 weeks!!! I am in frequent contact with WFDS and had been at least XXXX times within the last 30 days. I am a long time customer who has not moved or changed phone # during the life of my loan with them ( 4 yrs 9 months ). 

They have called my cell phone XXXX times TODAY ... ..this is harassment and annoying and also using up all my cell phone minutes for unnecessary calls. 
This is after speaking with the local office to set up a payment arrangement. Their tactic is, if you do not pay today, we have to keep calling you ... ..really, I do n't think so. I agreed to set up an acceptable arrangement. However, she wanted an additional {$10.00} to set up a payment, or I could do it on line for free. I came home to do it online and it will not allow me to set up a payment for a future date as she agreed on the phone. 

Really, somebody needs to speak with these people about these serious violations and how they plan to correct them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am seeking for the reimbursement of a check that I deposited on XXXX/XXXX/2016, at XXXX, into a WELLS FARGO ATM machine located on XXXX XXXX, XXXX CT, which the account became closed. 
I have been calling and going into the actual branch since XXXX/XXXX/2016, trying top retrieve that check and it has been unsuccessful. I am now claiming {$360.00} from WELLS FARGO that is overdue.

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 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After years of trying, in XXXX of 2013 Wells Fargo finally processed a loan modification ( after the MHA helpline intervened ). Unfortunately the modification as not done properly and instead of being " current '' once the modification was executed the mortgage was already thousands of dollars behind. While working patiently with them to resolve the problem I discovered that they had apparently changed the terms of the modification after I signed and sent it in, increasing the interest rate and adding a {$75000.00} balloon payment due at the end of the loan. After being recently laid off I applied for a HAMP deferrment and the application was being processed, but after I insisted on receiving answers about the XXXX modification being changed Wells Fargo sent me a letter saying my HAMP application had been withdrawn at my request ( it had not ) and they placed my condo into Foreclosure status and set a sale date for this tuesday without telling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have flood insurance for our home in Florida and we have since we built it in XXXX. Please see the attached XXXX XXXX XXXX page. Even after being sent proof of this 5 times, Wells Fargo ( WF ) has been stealing money from our checking account to pay for a " forced flood policy ''. We were told on XXXX XXXX by a WF banker the issue would be resolved in XXXX10 business days. Did not happen and they have continued to steal money from us. Please note -- WF did the same thing to us 2 years ago, which we will address later once we clear this current incident up. More detail : We began getting letters from WF last year that we do not have flood insurance and need to get a policy. Each time we got a letter, we acted on it, first by notifying WF and sending them proof of insurance, then later we began taking the letters to our XXXX agent and having him verify the policy to WF. See the attached copy of the last letter from the agent. In XXXX we noted that WF debited our checking account for more than the mortgage payment and were told by XXXX XXXX, a local WF banker, that they took extra money to pay for a forced flood policy. After a conference call to our XXXX agent, he told us this would be resolved in XXXX10 business days. About a month later on XXXX XXXX, we called him and left a message that nothing was resolved and that he should check to make sure WF was not going to steal more money from us in XXXX. As you can see from the attached letter from XXXX, WF stole from us again in XXXX. XXXX also told us that WF was unable to reimburse us for the money they stole until they got the funds back from the insurance company, which we informed was ridiculous -- they need to give us back the money they stole immediately.

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 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
My loan has been transferred to Amerihome Mortgage and since the transfer I have had one nightmare after another. I was proactive in signing up for ebilling and auto debit. they missed the first auto debit and then said that they could not auto debit the XXXX payment since I was late on the XXXX. After calling to settle this and authorizing both payments Amerihome failed once again to debit the payments and I had to call again 1 week later to get the mortgage paid. I then received notice of forced placement of insurance but my premium is paid in full through XXXX and they were given the Mortgagee Clause in XXXX but failed to update their own information. This has caused far too much aggravation and their customer service has been less than helpful as they did not have the means to process the payment on XXXX phone call and had to transfer me to the billing department. They state that it takes 2 months to set up an online account which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently purchased a new car and am having issues with my lender, Wells Fargo Dealer Services. I received a collection call after receiving no information about my loan - including account number and any identifying information for websites. After complaining that I had no information and just wanted to be enrolled in Auto-Pay they took my bank information and I made a payment. I then logged into the website to sign up for Auto-Pay. I made 3 attempts to enroll online and I believed that the last attempt succeeded. The next month I got a call saying my bill had not been paid and being treated as thought I was a criminal - I never pay bills late, so this was very frustrating to me. I paid via phone again and they had no explanation for why my auto-payment had not been taken. They have my information so I asked that they just enroll me in it. They said they ca n't do it over the phone ... even though they store my information and have all the same information on file that they would need to enroll me. I logged in again during the month and tried to re-sign up or confirm my signup. It gave me an error message. Today I received the same call. For the first time the rep informed me that it takes a full billing cycle to work, which no one had told me, and also that somehow it was n't showing that I was enrolled. I made my payment and scheduled a payment for the next month, then I asked if he could enroll me in auto-pay. He said he could n't, but I could log in online and enroll or enroll by mail. I logged back into the website and got another error message after filling out all the forms. ( Keep in mind that every time you want to enroll it requires logging into both your loan account and your bank account to get account and routing information that Well Fargo is already storing ) This time I called and was told that because my account was past due ( I already authorized a payment today ) their policy was to prevent my account from enrolling in online banking until the payment processed. I can do other things online, just not fix my problem. The policy is clearly set up to keep consumers behind on payments. There is no logical reason why, after logging into their site on many separate occasions, I have not yet been able to successfully pay my bills automatically. And there is no logical reason why the ability to enroll in auto-pay should be limited because of an issue enrolling in auto-pay! It 's absolutely a system meant to create inconvenience and to prevent you from solving the problem when you are actively dealing with it. Please require that they change this policy that is damaging to their customers. I just want to pay my bills easily, and if there is a problem - fix it promptly. That should not be too much to ask.

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 2016-10-07 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi Wells Fargo Bank Employees Ripped of Customers XXXX XXXX #? Accounts I Banked there, I, m Very Sad, and Appauled at this Bank, I made a Business Account in the Wells Fargo Bank, To Start a Co, when the man wanted me to use my XXXX XXXX XXXX and Bank Card, he said the Machine was n't Working about 6 Times I Slided it through? very Fishy Scene, I think theres a Hint to my Account involved in the Wells Fargo Bank Rip off s of Me, Period, I Banked my SSI Checks there for over 7 Years? I would like a Full Legal Document Stating, What are my Restitution Rights for being, Depressed, Angery, and Not Trusting Any Bank up the Street XXXX of Them? I would like a Full Total of my Rights of Whats Owed to me = From this Sick Rip off, Legaly Stating Amount $ $ to be paid to me, and Mayby I, m going to Take to Court? Please asap By

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 2016-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was told Wells Fargo did not loan on XXXX. I asked for my approasal fee back on XXXX XXXX. I got several different answers as to when I would receive my money back. First supervisor told me 7-10 business days. On the 10th Business day I was told it had n't been formally denied so the refund could not be processed. I spoke to the supervisor 's supervisor and was told the loan was in underwriting and would be for at least another week. At that point they could start the 7-10 day 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 2016-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit union preauthorized transactions that closed my account. 
Today as of XXXX/XXXX/2016 I went into the Navy Federal Credit Union to cash a check from another account holder and they refused to cash the check when I am not an account holder by announcing my name so loudly I was embarrassed and stated they would not cash a check from any account holders which was not my account due to in past 6 years or more allow preauthorization transactions to over drawn account ; closed account 6 or more years. I only had bank check from another consumer written to me from their account to cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Regarding Wells Fargo Mortgage I was injured at work on workers comp for several months. Unable to make mortgage payment. Granted forbearance for XXXX months. I inquired as to what would occur when I returned to work. Told I could resume payments and then they were modify the loan. Started payment on time and then they told me I had to make all missed payments with fees or thye would foreclose. I could not pay such a large sum but contained to make payments in full and on time. Continued to make payments then they started to send them back to me. They denied modification and have now started foreclosure. I have applied for and been denied modification numerous times, note most were denied saying I did not have enough income even though my income was the same and has now increased considerably over what it was when they wrote the original loan. I have complied with hundreds of requests for the same documents over and over and it appears the is a delay tactic so they can move forward with foreclosure seems to be a fraudulent tactic based on my research of other consumers in the same situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was laid off from my last job ( severance money ended XXXX XXXX ), I could not meet my mortgage payments to Wells Fargo and applied for a mortgage adjustment. For 2 years, I faithfully sent in all of the paperwork. Because I could not find another job, I applied for SS in XXXX XXXX when I turned XXXX. I kept sending all of the paperwork. The last thing they wanted was XXXX letter from Social Security stating the total amount they were giving me. I was {$1600.00} for me, and {$800.00} for my XXXX daughter and {$800.00} for my XXXX son. They insisted that I get XXXX award letter for all of us, or at least XXXX award letter combining the XXXX children. I went to the SS office in XXXX and they said that such a letter does not exist. SS did not understand why Wells Fargo could not add the numbers together from each benefits letter. I told XXXX XXXX the Wells Fargo rep, I was always friendly ) and he said his manager insisted on it and he 's trying to hold him back. We spoke on the phone with his manager. He was insistent and stubborn. Later he wanted to know if my children 's letter was for survivorship or XXXX. I told him that obviously it is not for survivorship and no one is XXXX. It 's only because I 'm collecting SS and have XXXX children under age XXXX. Nevertheless, I called SS and received letters for each child without the title " XXXX, XXXX and XXXX. '' Anyway I was able to receive benefit letters for each child without XXXX on top of the page, and uploaded it to the Wells Fargo modification website. The end-all, my application was dropped because I did not supply that form and only that form. XXXX XXXX XXXX confirmed this to me on the phone a few times, most recently XXXX XXXX or XXXX around XXXX XXXX. XXXX XXXX had initiated this call to me and said that I could reapply and submit all of the necessary paperwork. At that point I said that I am going to report him.

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