vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We XXXX sisters, work very hard and took a loan from Wells Fargo to buy XXXX rental properties in 2004. The rate of interest Wells Fargo charging is 6.875 %. We have asked so many times to refinance at a reduced rate of interest, but Wells Fargo refused each time. 
Please see attached statements and help us refinance at a lower rate. 
Thanking you in anticipation.

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 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am trying to be proactive on my credit report since this is affecting my score heavily. I have a Secured Credit Card, and a previous College Credit Card with Wells Fargo. 

I closed my college credit card back in XX/XX/XXXX. I had that account deferred for payments since I was paying for college and could not maintain the payments. I communicated with Wells Fargo Card Services that I would not be able to make payments. I was told that my account would be noted and not assessed any late fees or notes on my account. 

According to XXXX and XXXX, and Wells Fargo Credit Card Services ; I have not had late payments as I communicated with WF that I was going through financial issues with paying for school. And I did not have any late payments. I have contacted Wells Fargo XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called requesting written information from them stating that I was not late on any payment. Of course the agents that were assisting did not fulfill their promise of reaching out back to me. 

For this I am contacting the CFPB, I am requesting that the XXXX day be removed from my account since it is affecting my score indefinitely. I would kindly ask this of you. Furthermore I am requesting the creditor, Wells Fargo, to remove any late fees or remove this account from my credit file. In addition, I am given pushback that they cant find my closed checking account and am rerouted at least XXXX times every call. It is frustrating and wasting both our times. 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 non-monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I deposited a check to my Wells Fargo checking account for {$8900.00} on XXXX XXXX, 2016. The check was written by my sister on her XXXX checking account. The check was processed and the funds were withdrawn from the XXXX account on XXXX XXXX 2016. I have a copy of the processed check. Wells Fargo sent me a message to my online account the the funds were being held until XXXX XXXX, 2016 due to a bad signature. I was told by a customer service rep over the phone and also by my branch manager ( in person ) that the funds were being held because there were not enough funds in the XXXX account account. XXXX different phone service reps told me that the branch has the discretion to release the funds and the branch manager told me that there was nothing that she could do since the system put a hold on the check. I would like to know if I have any options to get my funds released and if this is a legal practice.

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 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I wrote checks from XX/XX/XXXX-XX/XX/XXXX to a person from my Wells Fargo checking account. The signature of the recipient was forged by multiple people, and the funds were released from my account. Several of the checks were not signed, but the funds were allowed to be withdrawn from my account anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I had a fire in my home on XXXX XXXX, 2013 and boy this has been a nightmare for me. The insurance company ( XXXX XXXX ). It appears that these XXXX companies XXXX XXXX and Wells Fargo ) where working together without informing me with everything that was going on. I should have been informed by both companies on exactly what they were doing but I was n't informed until after the fact. XXXX XXXX sent a check to Wells Fargo without informing me of the amount of the check and XXXX XXXX did n't inform me that they had settled on amount in XXXX before sending it out a check in XXXX on the claim. The claim amount was paid with figures on a pay-off quote of what it would be on XXXX XXXX, 2013. This disturbs me because no discussion of the amount was ever discuss. Wells Fargo should have informed us they received this instead of us figuring this out almost four months later. Wells Fargo now is holding the check and also wants to foreclose on my house. These mega banks have to much power to where the little man has no way of surviving in this world. I hope I do n't become homeless because of how these two companies cheat the consumer out of the American Dream. They need to be stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/2015, hired a lawyer to handle the complete payoff of our Well 's Fargo mortgage. We questioned close to XXXX in fees and charges. They then sold the house to themselves, and are now evicting us. Spent XXXX on lawyers who wanted more to proceed. Filed suit on our own which is attached. Please review attached documents for detailed story. Thank you, 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 2015-06-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife and I purchased furniture at XXXX in XXXX with terms of 0 % financing with minimum payment until XXXX under Wells Fargo Bank. These terms were applied to half of our purchase and the other part of the purchase was changed to 0 % finance for 12 months. When I noted in XXXX that we were charged extensive finance charges on part of purchase, I was told by both the merchant and Wells Fargo Bank that there was nothing that could be done unless I could prove the terms of financing. At that time, I could not find my paperwork. This hurt our credit score and due to the finance charges also made it difficult to make such a high payment. When we were cleaning out our home for purchase, I found the original paperwork from XXXX stating the terms as agreed of 0 % financing until XXXX for the entire purchase. I contacted XXXX and provided them a copy of the paperwork on XXXX/XXXX/XXXX, and I was told that it was all taken care of on XXXX/XXXX/XXXX by the manager at XXXX, and it would show up in XXXX to XXXX billing cycles. I waited for approximately 6 weeks, and it still had n't shown up. I contacted the manager at XXXX and was told that someone dropped the ball, and that it would be taken care of. I then filled a dispute with Wells Fargo Bank. I provided Wells Fargo Bank a copy of the original paperwork showing that the wrong terms were applied on XXXX XXXX. I also told Wells Fargo Bank that resolving this issue was critical as we were purchasing a new home, and would not be able to acquire funding with an open dispute. I was told that they had up to 90 days to research this matter. I continually followed up with Wells Fargo Bank including my last call on XXXX/XXXX/XXXX. My account is noted all the way through that the expedition of this research is needed due to the pending home loan. I was told that there was no way to expedite as they handle claims as they come in, and that they have up to 90 days to take care. Supervisors of the credit center have sent multiple emails to the billing department for an update on the status, and they have failed to respond. I indicated that they had caused my husband and I financial hardship by the bait and switch of finance terms, and now they have placed our home loan in jeopardy due to the open dispute status. I requested under the Fair Credit Reporting Act that this account be removed from my husband and my account until it is resolved since it took longer than 30 days. I was told that was impossible. At this time, we are not able to receive the home loan due to the open dispute status. We have now been caused further financial hardship/damage due to Wells Fargo Banks actions. We have lost both money from the home inspection and appraisal, and we are currently living in a XXXX with our entire family as we could not go forward with purchase, and our home was sold.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have been uploading documents for a loan modification we believe we have a complete package and have been calling and leaving messages to our assigned representative without a response. I also sent documentation to authorize a 3rd party and they do n't seem to be able to locate my documents I have uploaded all of my documents time and time again and I am not getting anywhere I think they rather foreclose on my home they are delaying the process and being unresponsive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a credit card with Wells Fargo. I am unsure if I requested it or it was given automatically. I had a credit limit of XXXX on the card and had a mortgage and my salary directly deposited into my checking account at the bank. I had no issues until some months later when I incurred a XXXX monthly fee. I inquired and was told that in order to not have a monthly fee I would need " direct deposit and a we credit card with a limit of at least XXXX. '' I told the representative that I met that criteria and then I was told that my credit limit had been reduced to {$1400.00}, unbeknownst to me. So the bank decreased my credit limit so they could start charging me a XXXX monthly fee. I was livid and still am, but it is time consuming and super frustrating to re-establish my mortgage and accounts with another bank, but boy would I love to do so. I have been paying this now for at least 2 years and thought I had no recourse.

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 2015-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened a WellsFargo student checking account for my student aid and after a year the account was changed into a regular checking account with monthly maintenance fees without my knowledge. I incurred several months of maintenance charges and received an overdraft in my account by a {$3.00} dollar charge. I now have a balance of - {$44.00} after {$60.00} was taken out of my account for maintenance fees. I searched my statement and I used my debit card XXXX times every month, except for the last month on my statement ( XXXX transactions ) which would have protected me from the maintenance charge, but it did not and I was still charged a maintenance fee for the past 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am XXXX XXXX. My loan Number with Wells Fargo is XXXX. Due to a job loss with XXXX, I got behind on my mortgage for my home. After some time I was able to secure additional employment with another company. I contacted Wells Fargo immediately to alert them of my current circumstances. I requested a loan modification with possible principal reduction, interest rate reduction or an extension of the loan. I requested the loan modification in writing and directly with a loan officer in an office in XXXX, North Carolina. I also had some discussion ( in writing ) with the bank 's CEO.I was told that a modification would be possible and began making payments based on the modification. While waiting for my official modification, I started receiving letters from an attorney from XXXX and XXXX indicating that I was my loan was in default. This harassment continued although I was told that the modification was forthcoming. After several months, I received a letter by the attorney representing Wells Forgo stating that my house was being foreclosed. I was told that it was sold to a third party and that I had no other choice but to vacate the premises. My discussion with the attorney- XXXX XXXX XXXX throughout XXXX. I was told that I had to until XXXX XXXX, 2015 to vacate the property. I received no further notices, nor did I sign any papers or affidavit, nor appear at any court hearing. I was not notified about any hearing or sale of my property. I went to my house on XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, North Carolina only to find that I was not able to gain entry to my house. The locks had been changed and were dead bolted by a realtor 's lock. There was a note on the door to contact someone for questions regarding the lock. I contacted the number and it belonged to a XXXX who was sold the house. XXXX indicated that he had discarded some of my possessions and that I may not be able to get back in at that time. After some heated discussion with XXXX, I was able to get him to come and unlock the door so that I could get my things. Upon entering the house I found that there were several items missing : - XXXX '' in color television, sectional sofa, kings size bed, dining room set and mattress. XXXX indicated that he asked the neighbors if I was returning and that they had no idea. Those items were discarded without my permission and I was locked out of my house without warning, court order or official papers from any attorney or judge. I was promised that I would receive a modification but I was tossed out instead without notice or recourse. Furthermore, I was assessed a tremendous amount of late escrow and penalty fees on top on top of the mortgage while waiting for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check and Wells Fargo completely cleared my check and failed to tell me that the person who gave me the check was no good ... until 4 months later ... XXXX And expected me to pay the full balance back ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
We have received 48 documented phone calls from a company called XXXX XXXX XXXX over the course of the last three weeks. We have attempted to get a fax number or mailing address to send a cease communication letter. At which time they simply hang up on us and will not give the information. They have also called family members 12 times leaving a number to return their call. The number they are calling from is XXXX and XXXX. A google search of the company name or number finds nothing listed other than harassing phones calls. Can you help get this stopped.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This company said they will close my account for making to many disputes ; when I first signed up for the account I opted out of overdraft protection ; they closed my checking account and charged my savings account XXXX {$35.00} non sufficient fund fees. I opted out of overdraft protection how can they charge me for closing an account before pending items have not posted tell me to go get my funds out the bank than charge me XXXX fees on top of the item amount and than I spoke with XXXX reps now who said a supervisor will call me back oand never did

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was XXXX {$5.00} charges on XXXX XXXX, 2015, then on that day I transferred funds to my other bank account removing {$120.00} instead of {$20.00}. I expect that my mistake would cost {$35.00} for the one problem however at close of day although the XXXX {$5.00} XXXX purchases were a small amount and there where plenty of funds to cover both, the {$120.00} was processed first to ensure XXXX chargers of {$35.00}. That is over {$100.00} fees for one mistake. The bank, knowing I have had issues in the past feel they can not make an exception. I do not feel this is a fair way to do business,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that XXXX XXXX XXXX will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against XXXX for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. XXXX. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from XXXX 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by Wells Fargo Bank , N.A . He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or XXXX verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with Wells Fargo Bank , N.A . 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) XXXX XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, XXXX had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that XXXX believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account XXXX, to discuss a resolution that would be satisfactory to both parties. 

To date, XXXX has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, XXXX is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the BBB was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Peter & Roberts and Associates, have contacted me multiple times by mail and phone attempting to collect a a debt to XXXX XXXX which i do not believe that i owe. I 've asked them by phone to provide proof that i owe this debt and have been ignored. They do not belive they need to provide any proof other than an itemized list of charges of what they think I owe. I have been promised an itemized list but have never received XXXX to date. Today i called and spoke to a manager who promised me he will send an itemized list by mail.

Company response to consumer: Closed with non-monetary relief