vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Loans Bui\lder Division is using illegal tactics to build their business within XXXX XXXX XXXX . They are doing this by partnering with an ESCROW service provider. ESCROW OF THE XXXX sales REP XXXX XXXX is very well connected within the builder industry. Wells FARGO Retail office and Builder office is opeining escrows with XXXX XXXX. As a retrun for this buisness, XXXX is telling builders to use WELLS FARGO as their preffered lender for the take out financing. XXXX is creating a false environment. making the process harder to sell for builders and harder to buy for buyers so that he can influence the builders vendors choice- XXXX has designed specific FALSE processes that make it harder for buyers to get loans from lther lenders. this way his choice of lender, Wells FARGO/ XXXX XXXX have the upper hand and they limit the buyers ability to shop for the best mortgage deal. XXXX XXXX creates an atmosphere that FORCES PEOPLE to use WELLS FARGO/ XXXX XXXX XXXX does this becase XXXX sends XXXX retial refinance transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
As of today 's date : XXXX XXXX, XXXX, Wells Fargo Mortgage has failed to provide a XXXX XXXX XXXX for XXXX. I am currently trying to get a discharge on my Ch. XXXX bankruptcy ( which I had to file to protect my equity and retirement home from Wells Fargo foreclosure proceedings ) and filing my taxes is the last leg. I am current on my post-petition payments ( made by me personally ) and WF says I have paid XXXX interest for XXXX on the automated call-in ; the online XXXX is not available, as it is showing the XXXX amount. 
Conversely, there is a total of {$25000.00} mortgage interest listed on my XXXX/XXXX/XXXX online statement. I called this morning to have the correction made, and they put in a " work-order '' and said the corrected form would be mailed to me in a few weeks, by XXXX XXXX, XXXX. [ When do you file YOUR taxes? ] This is causing added anxiety and stress and may affect my financial well-being. I just am recovering from a five-year repayment plan due to Wells Fargo 's inefficient accounting system, which also ruined my good standing in my community, and my excellent credit XXXX XXXX XXXX, equally important. 
My research shows that this is not unique to me, as WF has already been successfully sued for their mishandling of Ch. XXXX accounts, including punitive awards of XXXX XXXX. It does not appear that they have changed anything, and many others may be suffering from their devious and deliberately confusing accounting system. I am a XXXX in the state of Hawaii. I feel it is my obligation to reveal what I know and help others avoid undue loan problems.

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 2017-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am a victim of a teller opening up multiple accounts at Wells Fargo. I started a new job in XXXX, Ca that issued their payroll checks through Wells Fargo. At the time of my employment I opened a checking account at the near by Wells Fargo branch-XXXX, Ca location with the help of a a female representative. Shortly after I opened my account, I recieved additional paper/physical checks via mail. At the time I thought this was a oversight and just got mailed additional checks. I was n't a check writer ... so this went over my head. More came over time and there I started investing. From there I called and called the Wells Fargo hotline and only got the runaround. This was very time consuming and no one had answers. Finally I called the XXXX Ca branch and started to get answers. It got escalated to some internal investigation. I felt helpless as they are a huge corporation. I felt violated. Someone was eventually terminated. I feel justice was not served. I told everyone I knew. People probably thought I was nuts and my boss at the time thought me spending time at the branch or calling Wells Fargo was XXXX. I eventually gave up..Defeated. 

Years later I see they are finally in trouble. I want to share my story and file a complaint to show this can not and should not happen to anyone. I would n't wish this on anyone.

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 2016-09-30 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo converted a savings account to a checking account because of over transaction occurrences in two non sequential months, and then told me that it could not be converted back and that I would have to close the account and open a new account. they said it was due to regulation d requirements. the checking account has fees, the savings did not.

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 2016-10-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
never took a loan with cashnet

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This is the third complaint I have filed against Wells Fargo. First they opened a credit card in my husband 's name and mine. We did not request this card. I also found out they attached the credit card to an account that was in my name since XXXX. This account was set up for my job. All direct deposits for pay went to this account. I also had set up this account for online bill pay. They changed the primary owner of this account to my husband so that the credit card that Wells Fargo opened ILLEGALLY, without our approval or knowledge and added it as overdraft for the the account. In XXXX XXXX, I made transfers for XXXX transactions from another checking account in my name to what I thought was my primary account to pay bills over a 35 day period. Not only did Wells Fargo transfer those monies back into the checking but they also made cash advances on the credit card and charged us for overdraft protection resulting in almost {$500.00} in cash advance fees, interest, and this overdraft protection fee. Neither my husband or I knew that my primary account had been manipulated and my identity and my husband 's were stolen by using our social security information. Now today XXXX/XXXX/XXXX, I have found my other credit card information has also been changed for the online bill pay lists placing all of my credit cards, different from my husbands and not in his name, changed to his name along with changing the account numbers for these cards. XXXX card number was not correct at all. I now have to check all of our credit card statements to make sure that the bills have been paid!!! My advice to any Wells Fargo account holder is to check everything in your accounts because they did a lot of damage not only in CA but across the US and in many different areas of your banking accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a Wells Fargo Bank Credit card and have been in Active Duty XXXX since XXXX XXXX, 2015. I told WFB this, but was told it did n't matter, that they would only be able to " waive '' XXXX interest charge. So far, since XXXX of 2015, they have, and are attempting to collect interest in the amount of over {$300.00} ( at 18 % ) and fees also over {$300.00}. I was told that WFB can not " go back '' as far as XXXX 2015 to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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: MO

Complaint narrative:
Inability to regain control of my student loan account after financial hardship because late fees are outrageous and unable to gain a forbearance unless you are paid to current ;. Can not be current on the lawn without the forbearance due to not making enough money to make the extremely high payment amount. 

I can not choose all XXXX repayment options listed below, however, all XXXX options apply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had an auto loan with Wells Fargo. I paid the loan in full over 6 months ago. Wells fargo has failed to provide me with the pink slip title to the vehicle, even though I have made several attempts to follow up. Shortly after I paid off the vehicle I moved. At the time I updated wells with my current address. When I called to follow up, they said it was sent to my old address. I asked them why they did n't update the address and they could n't really say, but they promised to send it again. We made sure we were on the same page about the address. A couple of months pass and I get nothing. I call back again, and again they say they sent it to my address on file, which is my old address. When I complained bitterly about this they changed their story and said they sent it to my new address. I get mail here all the time, they never sent it or I would have gotten it. They refused to let me speak with a supervisor or manager. They are clearly having a lot of problems with their systems and procedures. That said, 6 months is more than enough time, and I have followed up with them several times. They are legally obligated to provide me with the title to my vehicle and I expect them to fulfill that obligation. I can not register my vehicle after moving to AZ without the title and I am now driving an unregistered vehicle thanks to Wells Fargo.

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 2015-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank took an authorized payment for an auto loan that I have with them. I paid {$190.00} because that 's what I could pay, but Wells Fargo Auto loan department took {$380.00} off my account without my permission. I want my money back please. The money was to be used to pay for Daycare so that I can go to work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I took a home improvement card from Wells Fargo Financial National Bank for a home improvement. They offered a 48 month no interest loan. I made an initial payment to even out the amount I would have to pay then set up auto pay from my checking to pay half of the due amount every two weeks. In short, there is no possible way that I have missed or have been late with a payment. When I got my last statement, Wells Fargo has charged me a {$25.00} late fee. The fee was generated because they have cutoff dates when they apply money to the bill and because they applied part of the XXXX payment in XXXX, they have justified billing me a late fee. I called Wells Fargo and asked them to remove the late fee because there is no possible way that I was late with a payment. The agent said, " As a XXXX time courtesy, I can reverse the charge but you will be responsible for future late fees. '' They imposed the late fees through their own action and not because I was late. I have since had to re-structure my payment plan to pay the entire amount once per month so they can not continue to manipulate the pay date to unfairly charge bogus late fees. It is not a courtesy to give me back money that they had no right to take in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I wrote a check to Wells Fargo Mortgage for {$3600.00} to pay off my mortgage. This was the payoff amount I was quoted by both their online site and a bank officer at their branch. The payoff amount I was led to believe included all interest due and processing fees. The bank has since come back told me that I have interest due and a processing fee of {$18.00} due. After talking with Wells Fargo they have agreed to waive the interest charge, but not the processing fee of {$18.00}. I have paid the bank in full and should owe no more money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an unauthorized Wells Fargo credit card account I just discovered. I do n't see that there has been any activity on the account, nor any fees that I can see. But it 's a {$2000.00} credit limit I did n't ask for.

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 2016-03-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Payment Details First Half Tax Paid PAID DATE : XXXX/XXXX/15 : {$2500.00} First Half Tax Amount : {$2500.00} {$0.00} Paid Second Half To Pay Second Half Tax Amount : {$2500.00} {$2500.00} Unpaid Bank did not cr the amt they paid to my mortage, on my recent statement. 

Also the court threw out their complaint XXXX/XXXX/15 Payment Details Pay Period Payment Details Balance Due Status First Half Tax Paid PAID DATE : XXXX/XXXX/15 : {$2500.00} First Half Tax Amount : {$2500.00} {$0.00} Paid Second Half To Pay Second Half Tax Amount : {$2500.00} {$2500.00} Unpaid court rule that wells defaulted by not answering complaint,

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 2017-01-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
wells fargo gave me XXXX for forgives of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
An unauthorized transfer was made from my account to XXXX XXXX ; a dispute/claim was filed but could take months to resolve. I contacted XXXX XXXX, they gave the error code XXXX and told me to contact my bank ( Wells Fargo ). No one seems to know what XXXX is, but a simple XXXX search shows it 's an unauthorized transfer from the originator. It 's in the amount of {$250.00} on my account. This complaint is in regards to the unauthorized transaction with hopes that the money will be returned to me faster than your claims 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 monetary relief
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX : Wells Fargo Bank in XXXX florida I do n't know if this was a bank involved with employees opening accounts and using clients money. But my elderly mother complained that she had {$20000.00} missing from her account and does n't know where it went. We tried to help her but she is adamant about our minding our own business, that she can take care of it herself. After reading the blog on WFB I was wondering if that is what may possibly have happened to her 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 2016-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Regarding Wells Fargo, XXXX XXXX credit card number XXXX that is apparently 8 days late. According to Wells Fargo I missed the last payment of {$46.00} due on XXXX/XXXX/XXXX. Payment history is XXXX/XXXX/XXXX - {$50.00}. XXXX - {$100.00}. XXXX/XXXX/XXXX - {$100.00}. XXXX/XXXX/XXXX - {$92.00}. The XXXX XXXX payment according to my records was the last payment due to Wells Fargo. 

On Sunday, XXXX/XXXX/XXXX while eating dinner with my family I received a call from Wells Fargo representative XXXX ( ID # XXXX ) attempting to collect the debt of {$46.00}. To my astonishment I quick signed into my online banking portal to assess why this past payment was not made. After explaining to XXXX that according to my records all payments were made ands the debt was satisfied he declined to waive {$240.00} in penalty interest. I requested to speak with a supervisor, XXXX ( ID # XXXX ) who also failed to make any exceptions to the penalty interest. 

After learning the last payment of {$46.00} was accidentally not sent, I immediately triggered a payment to be sent on XXXX/XXXX/XXXX however this was not satisfactory to XXXX or XXXX. This is the fleecing of America. 

Respectfully requesting regulatory support to identify a genuine honest mistake for the relief of {$240.00} in penalty interest. 

This is simply not fair. Anyone with common sense will see that this was a genuine mistake.

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 2016-07-24 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
As a customer of Wells Fargo Bank for 6 years I applied for a Cash back credit card. On the application form I filled out my details as suggested and gave all my information. I was denied a credit card on the grounds that I was not a citizen or a green card holder. Upon inquiry I found out that as a resident Alien on an XXXX XXXX that the bank ran a credit check and denied me a card but nowhere on the website does it mention that only citizens or green card holders can apply. I Asked the bank why it was not mentioned on the form and why no banker would mention it? They said it was against Federal Law to to discriminate people while applying. This is misinformation because people apply but they do n't meet the standards for qualifying. So this is a violation of Federal law indirectly and it is discrimination. No other bank would deny me a card based on my citizenship. As long as I have a social security number and a good credit score that should be all the the Banks need. Do look into this matter as Wells Fargo is very discriminatory as to who they provide credit too. I am a resident Alien legally working and paying my taxes and bills on time. I should not be denied basic Banking services based on my citizenship. My credit score took a hit because of misinformation.

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 2016-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have flood insurance money $ XXXX that is sitting in a restricted escrow account at Wells Fargo where my mortgage is. I have been calling for the last 2 months to learn how to apply these funds to my mortgage and I have been given the run around. I have done everything that Wells Fargo has asked and they have NOT done anything on their end that they have said they will do. I am told repeatedly that I will get a phone call back and I have never once been contacted. I am told the claim has been moved to the Mortgage department from the Property loss department and that has not happened either. Every time you call they are very nice ; however, they do n't do what they say they will do. 
I have sent sales agreements, contact information for realtors and title company officers that are selling my home, signed letters, memos, etc ... and I am still waiting for the transfer of funds to occur. 
Wells Fargo has the money and I am asking them to apply these funds to my mortgage and they are stalling, refusing, incompetent, something of the above. I spend an average of 30 minutes per phone call and I have called easily 20 times. I do n't have this kind of time to spend on the phone repeating myself and 'waiting ' until the end of business day for it to be resolved and then it is not resolved.

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: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
i purchased a vehicle from XXXX 10 % interest rate 2 nd loan with wells fargo payment was XXXX $ monthly i was upside down XXXX $ my loan was, my amount financed was is XXXX XXXX payments i got about 2 years of payments asked for a pay off quote had saved some money was going to attempt to pay the car, from the XXXX XXXX ask what the pay off was they said it was XXXX $ still i asked for my records of my payments i received about week and half look at my payments XXXX $ they fluxiate a little about XXXX $ interst a month was never notified this ever shown this in it says 10.9 percent i researched called wells fargo since the dealersshio ask for the loan i my behalf was never notified 40 % interest have called wells fargo numerous times ask them if they could consolidate they said its not the procedure i am in a loan shark loan this why i am still making payments on time want to get out this loan

Company response to consumer: Closed with explanation