vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
For over one year now, my attorney and I have been trying to resolve a dispute with Wells Fargo regarding the correct monthly mortgage payment amount due on my home mortgage ( reported to CFPB via case # XXXX ). I did not see an option to update that case, so I created a new XXXX. I 've spent most of the year reading letters of delay from Wells Fargo. Each month I 've paid my mortgage ( see attached document " XXXX Mortgage Payments XXXX XXXX Thru Current '' ) per the payment amount due stated on the Initial Interest Note ( {$1100.00} ) plus an additional {$110.00} for escrow ( see attached document " Initial Interest Note Original '' ). The payment on this mortgage was interest only for the first ten years, then modified to a new payment amount effective XXXX XXXX. My XXXX XXXX payment was sent via a letter from my attorney ( see attached document " XXXX XXXX to XXXX XXXX ). This letter contained XXXX checks from me : XXXX for the principle + interest amount ( {$1100.00} ) and XXXX for escrow ( {$110.00} ) plus a late fee of {$10.00}. This was explained to Wells Fargo clearly in the letter. On a monthly basis from this point forward, I have paid {$1100.00} + {$110.00} ( {$1200.00} total ). 

I recently learned that although I 've been paying escrow each month, Wells Fargo has not been paying my property taxes ( see attached document " XXXX XXXX XXXX XXXX '' ). This is unacceptable, as they have been accepting my payments each month for over one year, which have included escrow money for property taxes. 

We are finally negotiating and seemingly close to an agreement, however until quite recently I was unaware that Wells Fargo was not paying my property taxes. The property tax bill says it is due no later than XXXX XXXX. They need to make this right asap.

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 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Respected CFPB, My ONLY LIFE SAVIOR! 

I AM VICTIM OF ID THEFT AND CREDIT DESCRMINATION AND HAD FTC REFRENCE AND AFFIDAVIT, AFFIDAVIT OF IDTHEFT WITH LAW ENFORCEMENT REPORT ANS WITNESS WITH NOTARY. ALL THE PROOF OF HOW WELLS FARGO IS DISCRIMINATED ME TO JUST SAVE THEM AND THEIR BRANCH MANGERS. SO, XXXX they have contract with and many more loans which I found troubling and stood up to it and now they have blocked all of my checking accounts and a Credit card whixh is direct violation of 609e, FCRA and FTC. 

There was ATM MONEY JAM, I DEPOSITED XXXX ONLY GAVE ME THE RECEIPT I NEVER SAW IN MY LIFE HAVING DIFFERENT DATES AND DIFFERENT AMOUNTS. THEN, I CALLED BRANCH MANGER WHO IS ALSO MY BANKER AND ENCOURAGED ME TO OPEN ACCOUNTS WITH HIM INCLUDING BUSSINESS. I HAVE A CREDIT SCORE OF XXXX PLUS AND I GOT XXXX BUREAUS MEMBERSHIP ALONG WITH XXXX XXXX XXXX INSURANCE FOR TAKING CRADITORS TO JUSTICE IF THEY I 'D THEFT ME OR TRY TO DESCRMINATION AGAINST AN HONORABLE CITIZEN. I CALLED VICE PRESIDENT XXXX XXXX XXXX AT XXXX BRANCH AND HE GAVE ME NUMBER TO THR ATM OPERATIONS AND SAID IT HAD HAPPENED WITH THIS MACHINE LIKE 3 TIMES ALREADY. DO N'T WORRY JUST CALL THEM AND HAVE CLAIM. I CALLED AND XXXX XXXX AT ATM OPERATIONS GOT ME A CLAIMS AND SAID THE HOLD WILL NOT PUT ON AND WE OWE YOU THR MONEY SO PLEASE DO N'T DEPOSIT ANY NEGATIVE AMOUNT. NOW THEY ALL STARTED HANGING UP ON ME AND I HAVE LOGGED OF IT AND WITNESSES WHO ARE OTHER BRANCH VP like XXXX at XXXX branch. 
Then the XXXX alerted me wells Fargo has been trying to close your credit card but as you have XXXX they do n't have any reason to do so and they have your card blocked. I then was told when I directly called executive loss prevention and executive wells Fargo office and thry said you are clear we want to know if jam happened so have your branch manger call us and then XXXX XXXX said no they ca n't call them because he never has their number. I was like you are thr one opened me accounts and stile my money being the weeks Fargo representative plz allow me to deposit because all the payments are bouncing and I am going down as being already viticm of I 'd theft they said they do n't care about FTC or neve heard of the XXXX right or who is CFPB. 

Now it 's has been 2 weeks I am jaddicapped inhave all thr cards and money but thry are not lighting thr hold. They are telling me a risk lie! As thr branch manger said that you have caught their lies and now they are scree and want to just kick you out and report yiu to XXXX which again violations alot of them! So, approving me of credit card through XXXX whom I am member and gave me a limit of XXXX how I am a risk and I ran the risk and they all come out golden 100 % clean. So, just telling me on my face in front ppl I am risk is a slap to my religion and culture and ethnicity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a payment to my XXXX credit card account that is managed by Wells Fargo. I used their automated telephone payment service and paid {$75.00}. Wells Fargo debited {$770.00} as opposed to the payment amount of {$75.00} which I normally pay. I called Wells Fargo this morning when it showed up on my bank account, depleting my funds, and they informed me I would have to wait 30 days to get the {$700.00} overcharge back into my bank account. I told them it was going to make me broke and they offered no quicker of a solution.

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 2016-10-24 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:
Dear Sir, or Ma'am : I was not fully aware of the fee associated with a check stop-payment. However, I was charged it and I accept that. However, I was then charged an overdraft fee for the fee. I find this to be excessive.

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 2016-08-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This situation is not over until I get paid, I love how WELLS FARGO sends fraud proof to consumerfinance.gov thinking they can take my rights away, I HAVE PROOF OF THEIR illegal activity and the fact they would not call me to talk about this they sent some shady mail to me that was full of worthless repent and even proved I am right, there are many many issues other ones I can right here as I have not enough room. I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to 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 2016-01-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have an account with Wells Fargo and I used to have a Credit card merchants with them. I closed the account on XXXX. I ' m no longer accept credit card because I do not have need for it anymore. I called Wells Fargo Bank in numerous occasion and complaints about it. they do not care I have been charged overdraft fees for no reason because of the credit card machine I cancel and I do not have any contract with them anymore. I have a tremendous stress on me now because the burden financial situation they put me in

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was late on my mortgage payments and decided to sell my property, however I have a XXXX tax lien hold that I have been trying to clear form IRS as a lien hold on my house, NOW that I have finally fixed the issue and have a buyer that will buy my house AS IS, the lender Wells Fargo is NOT being cooperative and taking too long for the process plus they have put me in FORECLOSURE status and NOT willing to extend my DUE date of XXXX XXXX 2016 ... On top of HOLIDAYS!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I 'm following up on the complaint I originally submitted against Wells Fargo. When they purchased my loan, according to my legal/signed HUD agreement, they were to collect tax payments to pay my taxes. They did not, nor did they notify me that they were n't paying them. They now have paid my taxes and have now raised my mortgage payment to over double what I am paying now, which I can not afford! It was their fault - THEY did n't abide by my legal, signed HUD contract - they need to spread my tax payments out over several years so that it 's affordable for me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Attempts have been made to improve my credit scores. Wells Fargo has been reporting that account is correct with no delinquencies, insist on reporting account as an account that may be considered negative. Information reported to credit agencies by Wells Fargo does not support this account that may be considered negative. I questioned Wells Fargo 's actions to continue to report account as an adverse/account that may be considered negative. They have failed to respond to my concern.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I cosigned a loan for my daughter in XXXX, when I had a job. She has not spoken to me in several years now. I did not know that she decided to stop paying her loan in XXXX of XXXX UNTIL Wells Fargo started harassing me non stop. I am now XXXX years old, I was laid off from my job in XXXX. I have not been able to replace a decent income. I have a very limited income now, under {$XXXX} a year. I have been in touch with W.F. constantly ... to no avail. They refuse to offer me any relief, as I had asked for a modification to either lower the rate or monthly amount.. I have also asked for some amount of loan forgiveness. All of my requests have been met with a strong NO! Please help! I am looking for any possible way for to find some relief at this time.

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 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently reached out to Wells Fargo, my bank for refinancing my loan. My current loan is with Wells Fargo. After indicating that I wanted to pull money from my equity to pay outstanding credit card accounts ( totaling $ XXXX ) to raise my credit score from XXXX to a higher number and reducing my outgoing expenditure, the loan officer assured me that with my income, this should be no problem. Did the appraisal, property was appraised at $ XXXX. Current loan is $ XXXX. They told me to contact all creditors and close the accounts so I can qualify for the line of credit as well as the refinance. Once I did all that, my credit score dropped by XXXX points standing at around XXXX. Now, they have denied my loan saying I do not have sufficient income to cover the cost. They should have checked all the supporting documents prior to approval process. The gross error was on their behalf. Now my credit score is very low to even apply for any loan due to closure of the credit cards, paid for appraisal that I can probably not get back. Please help. I can provide you with all communication, letters, documents indicating my loan was pre-approved. 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 monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I checked My credit through XXXX which I do on a monthly basis, And found that Wells Fargo dealer services was reporting it incorrectly I was speaking to a rep by the name of XXXX, I explained that they were reporting incorrect information on my report, My account # XXXX they are reporting it as closed, Its Open, they are reporting it as derogatory included in a bankruptcy ( which is untrue ) It opened in XXXX 2013 and is current NEVER past due and has a current balance of approx. XXXX He got off the phone put me on hold and told me It was MY responsibility to get it corrected, that I must file a dispute and take my time and effort to correct their error, this is effecting my credit score, this effecting my ability to obtain additional credit, and is damaging me. I explained under fair debt and accurate reporting that they can as a subscriber and reporter of credit investigate and review what is reporting by going into XXXX and manually correcting their error, He the rep responded with " I can only tell you what MY supervisor told me to tell I want this corrected Immediately, and what them investigated on these types of practices this Unfair and deceptive in their inaccurate reporting of consumers account 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I applied a new checking account in XXXX. This is a special promotion to receive a bonus offer {$250.00} who opens called Everyday checking account with Wells Fargo Bank. 
My application have been approved, and my new account is eligible to receive a bonus offer. I have received an email from them and it will be deposited {$250.00} within 45 to 60 day. In order to receive the promotion offer, I need to meet all criteria. I have made all criteria their requests. However, their promotion have not been promised because I already have a checking account with them. They already knew I have a different checking account and have approved my application and the special offer. However, they have not promise.

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 2017-03-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Complaint Wells Fargo continually and intentionally charges my account for unnecessary and fraudulent fees. On XX/XX/2017, at XXXX my checking account had a balance of {$4.00} and I made a cash deposit of {$1100.00}. A little after 2 hours after the deposit was made, the bank intentionally put my account into a negative balance and charged my account an overdraft fees. This similar incident has happened numerous times. 
On XX/XX/2017, after requesting an explanation about the unauthorized fees, a representative at the bank XXXX XXXX XXXX was very disrespectful towards me raising her voice and screaming at me during the time of the discussion. She indicated that the bank will not reverse any fees because this is how the bank makes its money. She went as far as sending for a branch manager XXXX XXXX XXXX XXXX to speak on the bank 's behalf and he also indicated that this is the bank 's policies.

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 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
When I opened my KeyBank checking account on XXXX XXXX 2016, there was a sign up bonus of XXXX for direct deposit of at least XXXX within the first 60 days as an incentive. The local branch was at XXXX XXXX XXXX, XXXX, NY XXXX. The teller verbally confirmed that the offer is available for my account and the bonus would post after I completed the direct deposit. I completed the deposit twice on XXXX XXXX and XXXX XXXX. When I emailed customer service on XXXX XXXX, I got an email stated : " no promotion code was added ''. I replied on XXXX XXXX and requested the issues to be solved but get an answer : " we are unable to add a promotion code to your account via email ''. 
The coupon code I used at the branch was : XXXX Attachments is the screenshot of the offers I received through email. 
As of today, XXXX XXXX 2016, this offer is still publicly available on KeyBank 's website : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02 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:
I am being charged about {$12.00} per month because my bank account balance is quite low. That wealthier customers do n't have to pay this fee is a clear example of price discrimination. Such discrimination has no other purpose than to extort money from those who do n't have the ability to fight it.

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 2016-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
My home was flooded during the federally declared disaster in XXXX Louisiana in XXXX of 2016. My mortgage lender, Wells Fargo Home Mortgage, sent a letter to me dated XXXX XXXX, 2016 informing me that based on the status of my loan and insurance claim, my claim would not be monitored through the typical process of putting the check into a restricted escrow account and issuing payment contingent upon staged satisfactory inspections. I was instructed to proceed with repairs to my home and to send my un-endorsed claim check to their Loss Draft department, at which point they would endorse the check and return it to me. I received the claim check the week of XXXX XXXX and followed those instructions, including a copy of the aforementioned letter should there be any questions. Today the check was returned to me, with a letter indicating that I must endorse and return the check to them. I learned from a representative of their Property Loss department that my claim was re-classified as a monitored claim based on the value of the loss and that I 'd have to have an inspection completed before they would endorse the check. I was never informed of this change in status and it did n't occur until the date that they received the claim check. It was my understanding that the decision to not monitor my claim was based on my record as a good customer and likely the volume of claims they would be handling limiting their resources.

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