vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo let an online card take money from my card without my permission. 
that is an insult to the customer. 
i want my XXXX dollars back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a XXXX Cancellation of Debt from Wells Fargo with regards to credit card account XXXX - Cancelling a purported $ XXXX.- I filed my tax returns and added that amount to my income for tax year XX/XX/XXXX as advised by my accountant, and thus ended up having to AMEND my tax returns and incurred a tax liability greater than normal due to the extra income being reported through this XXXX. 
My grievance, to which I 've communicated in writing to Wells Fargo and the XXXX Major Credit Reporting agencies is that they continue to report a past due balance on my credit report even after I 've given proof of the XXXX that clearly shows the debt has been cancelled. Therefore NO BALANCE should be reporting. 

I have done research on the topic and would like to advise both the CFPB and WELLS FARGO that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( Bankr. Ct. XXXX XXXX XX/XX/XXXX ) XXXX XXXX v. XXXX , XXXX XXXX . XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX Dist. Ct. XX/XX/XXXX ) XXXX XXXX XXXX . XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX Super. Ct. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). 

" is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 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 2016-05-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have paid in complete the XXXX borrowed amount of {$19000.00} three months before the stipulated time, and for the Credit Card to claim interest of {$230.00} as of today as Principle is wrong and deceitful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
my husband and i paid off the mortgage and he was the XXXX on the loans. he was XXXX of XXXX when a real estate friend coned him into a {$55000.00} loan at 15 % interest short term. the agent used his brokers mortgage company to secure a loan against my house which of course was quit claimed to me before my husbands death. the agent forged my signature on XXXX form that had to be signed by me in the loan package, without my consent or knowledge and then the loan was moved to a different bank. i made monthly payments after my husbands death until i paid so much and the balance never seemed to go down much also i put extra money towards principal and i dont think the bank applied it correctly. i have scrutinized apprx. 10 years worth of monthly statements and found errors in the banks work. XXXX year i was billed XXXX times for the same month and made the payment. the realtor has thrown money occasionally and some within the last year, but the terms of the loan state that in the event of default he is responsible for the entire amount interest and attorney fees. i am facing foreclosure on XX/XX/2016 for default on a loan that is not even mine. im not sure if the bank that gave the loan is at fault the realtor that took the money or the person who notorized the signature. i wasnt even there but it was my name and the realtor admits doing it. i also had the signature analyzed. please email me back. thanks, 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 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo put me on the hotlist because the person who stole my identity opened an account with my identification information and a different social security number to compromise and imbezzle funds from our company. When I found out I was applying for a business account. I filed an identity theft complaint and someone was supposed to get back to me yet I have still have not received a phone call

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 2016-08-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I purchased a car aprox. XXXX/XXXX/2014. The dealership mistakenly put Wells Fargo Dealer Services on the title. The beginning of this year the car was unfortunately totaled, now my insurance company needs a release of lean to process my claim, but Wells Fargo Dealer Services will not give me the release of lean, even though there is no lean on the car.

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 2017-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have paid my Wells Fargo house payments for my home equity loan by online bill pay for many years, doing it manually, with no problems. Beginning in XXXX, my payments of {$1300.00} were not reflected on my next statement. This happened for four consecutive months, XXXX, XXXX, XXXX, and XXXX of XXXX, with a total of {$5500.00} missing. After speaking with them by phone, I faxed copies of each online payment transaction with transaction number, and my WF account number written on each. I delayed making a XXXX payment until they could track down the payments. 
Their response was to completely ignore my proof of payments, sending instead a XXXX page packet telling me how they could help me catch up on payments. Included in that was an application for mortgage assistance. No mention was made of my fax or the proof of payment. 
Wells Fargo advanced me money against the amount of escrow in my house to help pay the taxes on my house for two years. Illness and the recession had decimated me financially. I had originally asked for an escrow account, but was told it was not possible with that type of loan. After the difficulties with the taxes, they started an escrow account, which nearly doubled my payments ; I was ok with this. However, they wanted XXXX retroactive payments, each {$1300.00} ( approx ). I was able to scrape together XXXX, but not a second XXXX. After several phone calls, I was finally connected with a woman who worked with me on the phone for nearly an hour ( XXXX XXXX, XXXX ). Going back and forth for okays, a plan was implemented for the remaining amount ( {$1300.00} ) to be paid over a 48-month period, as part of my monthly payment. It went exactly as planned, until the end of XXXX, the first quarter. Their computer kicked out the agreement, and I was told they had no record of it. That has been an ongoing issue. 
Adding to this problem is the policy WF has concerning signed contracts - once signed, you are never allowed to talk to anyone face to face about any problems. You can not go to their mortgage finance building and speak to anyone. All must be done by phone. In the past XXXX six years, I have been given fake names and phone numbers, which means that I have never been able to talk to the same person twice. I 've been told they have no record of a call made, or a decision made. 
I am making XXXX last attempt to make a payment at WF Mortgage for XXXX and XXXX, by checks, and get a receipt. Online bill payment obviously is n't to be trusted, and I certainly do n't trust them to give them a credit card number on the phone or mail a check.

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 2016-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo, a big bank on which one could place the designation " too big to fail '', is actively engaging in fraud, and getting away with it. Since XX/XX/XXXX, they have claimed not to have received one of my monthly payments, and since have placed fraudulent charges and late fees on my card, month after month, though I have always made my payments on time. I have provided them with a XXXX page documentation of my payments, and made clear what is incorrect. However, they have done nothing except continue to engage in fraudulent activity with my account, and call asking why I have n't paid for it. It is destroying my credit, and putting me into a hole from which I will have to recover straight out of college. It is not fair to young people ( or anyone else, for that matter ) to be deceived by the banks that are " too big to fail '', and have their futures tarnished by a mistake which was not their fault.

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 2015-06-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi -- I have XXXX interest rates on my WELLS FARGO XXXX VISA card : ( a ) Purchases at 15.240 % ( b ) Cash Advances at 23.990 % XXXX of my purchases was applied to the Cash Advance Balance, so I am being charaged XXXX interest rates. But my payments are only being applied to the lower interest rate XXXX. According to this the new Credid Card Reform Law of 2009, " credit card companies must apply payments minus required minimum payment amount, to the highest interest rate balance on the card. '' XXXX That 's not happening. WELLS FARGO is applying payments ALL to the BALANCES with the LOWEST INTEREST RATES XXXX 

I called Wells Fargo today ( XXXX, XXXX/XXXX/15 ) for 1hr 15minutes, explained the situation over and over again. Eventually a representative said, " there was nothing they could do, this is their company policy. '' When I informed them that this was against federal law, the representative still said there was nothing to be done. 

Aside from the fact that this will cost me thousands of dollars -- this is just plain illegal. Let 's please enforce this law on Wells Fargo and protect me and other consumers like me. 

ThanksXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
When meeting with a Consumer lawyer for another matter, the subject of online installment loans came up as being illegal in the state of Virginia. In order to charge usury rates of more than 12 % the lender has to be licensed in Virginia. If their name is not this list, XXXX, then they are not allowed to charge more than 12 %. Virginia law 6.2-306 states that a person can not waive away the rights to the usury laws of their state. Since, the contract is illegal it is not binding. I was told to revoke their ACH rights and to cease payments immediately. At that time I had already paid XXXX for a loan of XXXX. I have paid back their principal and the 12 % interest. I was told that due to this breach of the law that under Virginia Code .2-1541. A. Unlawful contracts void ; recovery of amounts paid. B. The lender on any loan for which a person has taken any action in its making or collection in violation of 6.2-1501 shall not collect, receive, or retain any principal, interest, or charges whatsoever with respect to the loan, and any principal or interest paid on the loan shall be recoverable by the person by or for whom payment was made. 

While I do appreciate the loan i do not appreciate the fact that they take advantage of the financial needs of people they deemed easy prey. We believe what they write and assume that it is legal. I guess they are banking on the ignorance of their borrower. 

They like to respond that they are licensed to lend money in Virginia. However, they fail to address the fact that no one at the Bureau of Financial Institutions for Virginia can find that proof. 

While they may be able to lend to Virginians it should be done legally. They are not a bank, therefore they may not export deregulation from my home state or preempt my home state protections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I sent a # of money wires to XXXX with the assistance of an employee of a Computer maintenace co, known as " XXXX. '' These wires were sent on the premise that i was enabling the recovery of an earlier scam by another entity, which was run through " XXXX '' on XXXX wires of {$1500.00} each With the assistance of the XXXX employee I sent money wires through XXXX XXXX XXXX ( XXXX ) for {$750.00} each ; : Wells Fargo ( XXXX ) {$750.00}. - {$600.00}. - {$240.00}. All sent to XXXX XXXX XXXX XXXX, Payable to payee, XXXX a/c # XXXX. 
A XXXX wire was sent through Wells Fargo in the Amont of {$240.00}, XXXX XXXX XXXX, Payee ; XXXX XXXX. Wells Fargo advises on XX/XX/XXXX that the wire has NOT been paid out. A recall has been issued.

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 2015-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Good Morning, I was not sure you handled these types of issues however I thought I would reach out to you and ask. 

I received a letter from Wells Fargo that my checking account was debited for XXXX XXXX dollars on XXXX XXXX 2015 " As a result of a processing error in which my account was credit twice ". I was unable to find the transaction on my account and proceeded to reach out to the bank. 

I called the bank to inquire and have research done to verify the error ; the representative explained the research would take five business days. When I called back five days later I was told the request would take ten days. After ten days with no response I wrote to the bank through my online account via their contact support. A short time later I received a response that explained this type of research takes some time. I admittedly became frustrated and explained this is unacceptable. I then received a voice message from a XXXX XXXX that said he was from executive services and he has assigned the issue to a XXXX XXXX. I immediately called XXXX XXXX and left a voice mail. Then I received a call from a representative named XXXX stating he was calling about my issue. I explained to XXXX he was the XXXX person I was dealing with including the two phone calls and emails and that I was waiting for XXXX XXXX and hung up. 

XXXX XXXX called and wanted until XXXX XXXX to research this and I explained to him the bank has already been working on this simple debit / credit research for XXXX weeks, I advised him I would give him another week, until XXXX XXXX. Otherwise I was reaching out to you as well as The XXXX and the Commissioner of NC Banking regulation. Etc ; I have explained to XXXX XXXX that if the error was my fault I 'll be fine however I need actual debit / credit proof and not just a form letter stating the error was in the banks favor. 

I know it is only XXXX XXXX dollars however I XXXX last year and I 'm receiving a fraction of my pay as XXXX so every dollar has to be stretched farther. 

Thank you for your consideration, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I opened a business account with Wells Fargo in late XXXX 2016 and my first deposit of {$10000.00} on XXXX XXXX 2016 was placed in a " hold '' until XXXX XXXX 2016 ( I just started a small business, so this is a very long period to wait for the availability of funds ). When I asked them about why this was, Wells Fargo claimed that when they tried to deposit the funds on XXXX XXXX that the account attached to the check has insufficient funds and they they would wait a week to try it again, but that the funds, whether deposited or not, would still continue to be " held '' and unavailable until XXXX XXXX 2016. I checked my my client who issued the check and their bank shows that the money was withdrawn from the account on XXXX XXXX ( the day I deposited the check ). Wells Fargo claims that this is n't the case ( despite proof the the money is no longer in the account attached to the check ), and that there is nothing they can do about the hold. I suspect that Wells Fargo is holding the money for investment purposes since I 'm a new account holder and have very few options in terms of recourse. It makes no sense to me that the funds are not in the originating account and Wells Fargo is claiming that the money must be " with the federal reserve ''. I spoke with " XXXX '' in their complaints department and he could n't or would n't help me. He said that the funds would be available on XXXX XXXX 2016 ( different than what the previous gentleman told me ) but refused to give me a complaint number or a number to reference in case the money is n't available on XXXX XXXX. I let them know I would be filing a complaint with the CFPB. Wells Fargo is behaving in an unethical and unhelpful manner.

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 2015-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A Wells Fargo bank teller asked me about a cashiers check that I wanted to deposit into my checking account. She asked me what the check was for. I told her that it was a personal business matter, and that I was insulted at what she may be insinuating. She called her co-worker over, because she wanted me to tell her what the money was for. The co-worker said that they simply wanted to check the " validity '' of the check. It was a cashiers check from XXXX in XXXX, Az. The teller then chose to freeze all of my assets, and said that she wanted to do an investigation for my protection. However, the justification ( s ) she used for the investigation were that I had refused to answer security questions, which by the way would not be needed with me standing in front of her with all of my credentials and proof of identity. I simply did not want to tell her what I was going to use the money for. She clearly created a power struggle because I would n't tell her exactly why I was issued a cashiers check for a measly {$1900.00}. I am furious!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
XXXX XXXX, A supervisor in the Loan Administration section reviewed the court filings on the Iowa Clerk of Courts Website regarding the foreclosure action filed by Wells Fargo Home Mortgage. While I understand your concerns, many civil actions and court proceedings that are filed within the court systems are documented on the county websites by law, and also a matter of public record. Also, I believe the information can only be removed by the order of the court. 

You may also be eligible to purchase a home using another VA home loan, but lenders will most likely want to see you reestablished credit and made satisfactory payments for at least 12 months after the foreclosure. Our records show VA paid a foreclosure claim of {$3500.00} to Wells Fargo. You would need to pay VA back this amount for full restoration of your home loan benefit. However, you have VA home loan bonus entitlement available too. When you are ready to move forward with purchasing another home and would like more information regarding your VA entitlement, please contact our XXXX XXXX Department at XXXX, extension XXXX. 

I hope this information helps. 


XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I never signed up for an opt in program. I got over drafted by XXXX dollars and once that hit wellsfargo took all my prior charges and ran them back to back running my charges up to XXXX dollars. I called and explain only to have XXXX ( who could care less what happened ) told me pretty much that he could allow me to keep XXXX dollars of my money ( gee thanks ) or I could decline it and pay all the charges. I will take my money out by the end of this week and change both of my direct deposits. Wellsfargo has XXXX me do the last time. I have been with them since 2009. I will scream redemption when they get what 's coming to them for XXXX the XXXX class.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief