vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a auto loan with Wells Fargo Dealer Services for a XX/XX/XXXX XXXX. I traded the XXXX in for another XXXX and the trade-in dealer requested a payoff quote from Wells Fargo on XX/XX/XXXX. I had a payment due to Wells Fargo by XX/XX/XXXX for the XXXX. After completing the transaction for the new vehicle the XXXX paid Wells Fargo over {$40000.00} for the payoff on the XXXX on or before XXXX XXXX, XXXX. On XX/XX/XXXX I get a call from Wells Fargo saying that I had a past due balance of {$46.00} that was 20 days past due. My next payment would n't have been due until XX/XX/XXXX. I told the Wells Fargo servicing rep that she received a payment of {$40000.00} in XX/XX/XXXX and there is no way that I have a balance past due. If the payoff was short that is XXXX thing but nothing is past due. She advised me that they do n't count the {$40000.00} payment that came in on the loan when considering past due amounts which is totally ridiculous. The rep at Wells Fargo 's name was XXXX and her ID was XXXX. She was rude and refused to answer my questions or pass me to someone who could have further dialogue about the incorrect past due balance. She intentionally made false statements in her communication with me in an attempt to collect the remaining {$46.00} dollars outstanding on the payoff of the vehicle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Applied for Deed in Lieu of foreclosure with Wells Fargo.. Wellsfargo initially responded to claim : XXXX, stating in process of foreclosure.. The foreclosure process was subsequently stopped, and I have provided all documentation requested for the Deed in Lieu. However, I have not received any response from Wells Fargo or its agents ( title company ). The documentation was received and information used to update County files regarding property. Yet, I still have not received any further communication regarding property and deed in lieu acceptance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
# 1 No pay-off statement related to old loan and/or escrow. Unable to determine and/or balance to pay-off. # 2 After getting a specific quote of {$350.00} for title insurance, received XXXX charges for {$350.00} listed as " XXXX '' and " XXXX-XXXX ''. # 3 Refusal to provide me with a copy of lender-paid appraisal done in 2010.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
An unauthorized {$300.00} charge appeared on my Wells Fargo credit card on XXXX XXXX, 2016. The charge occurred in Florida at a restaurant XXXX XXXX while I was traveling in California. I immediately called to cancel my credit card and report the fraudulent charges. I then called the restaurant and they stated that someone purchased {$300.00} worth of gift cards under the name " XXXX XXXX '' ( not my name ). Clearly it was a fraudulent charge. Wells Fargo shipped me a new card, but the charge carried over to the new card. 

Wells Fargo first failed to identify the fraudulent charge, has been incredibly unhelpful in both their fraud and dispute departments, has not removed the charge or even attempted to contact the merchant ( to my knowledge XXXX/XXXX/16 ) but has billed me for my latest credit card statement including the unauthorized charge. When I called their fraud department they state " disputes is handling it '', yet when I call their disputes department they state " fraud is handling it. '' They said it would be resolved in XXXX10 days, but this process has continued for over four weeks now with no apparent care from 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 monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I ran up a large XXXX Debt with Wells Fargo around XXXX, {$25000.00}. I also had some loans. In XXXX I went through a 3rd party debt resolution company, XXXX XXXX XXXX to work out a payment plan. The loans were not paid in full, but charged off. Wells Fargo wanted the XXXX paid in full. I did do that and the last payment was in XXXX XXXX. In XXXX XXXX, Wells Fargo sent me a confirmation letter that the debt was resolved and my acct was closed. I waited for this to be removed from my credit report for about 6 months. I made several phone calls to Wells Fargo, sometimes hearing a sympathetic voice and a promise to do something, sometimes the customer service people would be very rude. I was told that a resolution is equal to a charge off and " Wells Fargo can leave this as is as long as they want '' I tried using a company called XXXX XXXX with no results on this particular issue. Wells Fargo has told me they are leaving {$40.00} owed on my account, but the account is closed so I ca n't pay it. My credit report shows months of " failure to pay '' on this account. 
I 'm confused about why they 're doing this. They did try to file a judgment, but that was held off with the agreement to pay in full in place through XXXX XXXX. The Judgment was filed with XXXX XXXX XXXX Court. I believe XXXX has removed the judgment, I 'm not sure about the other XXXX. 
The payment company " go between '' for Wells Fargo and I was XXXX 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 monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am an XXXX XXXX servicemember and I bought my house at the end of XXXX. I borrowed well under what the VA authorized me to borrow, and the house came in under the appraisal. Obviously from XXXX to XXXX and then onward the value of my house declined. Since the time that I bought my house I have had to execute XXXX moves. Wells Fargo holds the loan. I have called them continuously to see if I qualify for any of the principal reduction products, or other products that I have read about on Government websites and in talking with XXXX advisors. They have told me on every occasion that I do not qualify for any type of product that would help me lower my payments, the only solution they offer is to refinance which I have already done and which did not help at all but just allowed them to make more money in interest. I have explained to them that I am an XXXX XXXX servicemember and that I have had to execute XXXX moves on XXXX different occasions and that I am not willingly moving from my house and having to pay both rent at my new duty station and my mortgage back at my old duty station. They have offered me no understanding nor any help trying to find a product that works for my situation, it has been an attitude of " oh well I guess you just continue to struggle while we bleed you dry. '' The only thing that they have offered me I have already done which is to refinance my house. This did not help at all and just made them more money in interest. I do not want to stop paying my mortgage, as some have offered. This is not the type of man I am, nor does it align with my core values of honor, courage, and commitment. My complaint is that I see and read about all types of government programs to help with principal reduction and Wells Fargo says that I do not qualify for any of them. I do not know why I do not qualify. I am moving around the XXXX serving XXXX on military orders, and I have a XXXX son that lives with me. I am not asking to get out of my mortgage free and clear, I am just asking for some help in the form of principal reduction or perhaps some other product that would help me be able to pay my mortgage for my house and rent at my new duty station.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
Cash net USA charged my bank 2 times in a 2 week period. They are giving payday loans illegally in the state of Maryland.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I applied to Wells Fargo Home Mortgage for assistance on my loan XX/XX/XXXX. At the time, I was 60 days past due. I requested a deed in lieu of foreclosure. Every 30 days or so they request, in writing, additional documentation. I provide the documentation and request receipt confirmation by a phone call. 
I had until XX/XX/XXXX to submit the most recent information. I provided the information by fax on XX/XX/XXXX and placed it in the mail ( " snail mail '' ) on roughly the same day, give or take two days. 
Since XX/XX/XXXX, I have placed three phone calls to my " Home Preservation Specialist '' and her supervisor requesting a return call. It is now XX/XX/XXXX and Wells Fargo has not called. 
The Home Preservation Specialist is now XXXX XXXX ; between the months of XX/XX/XXXX and XX/XX/XXXX, it was XXXX XXXX. XXXX XXXX is XXXX 's supervisor. 
The outgoing voicemail message for XXXX XXXX on XX/XX/XXXX stated, " Today is XX/XX/XXXX. If you are calling between the hours of XXXX and XXXX Eastern Standard Time, you may press XXXX to be connected to the next available Home Preservation Specialist ''. When I pressed XXXX, I was informed by a robo-operator " no operator defined '' and re-routed to XXXX XXXX 's outgoing message. 
XX/XX/XXXX, I reported to XXXX XXXX I had consulted with an attorney regarding debt negotiation. I also requested a copy of all correspondence from Wells Fargo related to my request for assistance dating back to it 's conception in XX/XX/XXXX. She agreed to send it. I have yet to receive said correspondence and since that time I have not been able to speak with anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has a loan out on my credit that has been a closed acc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo home mortgage continues to use " mortgage backed security '' as an excuse to deny us any further help and acknowledge that the loan terms and structure of the loan modification that we were forced into signing on XXXX XXXX 2010 and if we did n't, they threaten us with foreclosure. They keep assigning different representatives that claim to research our concern and dispute, we always get the same response that theirs no evidence of any wrong doing by Wells Fargo Home Mortgage or its investors. So for the past five years we have been paying interest only to Wells Fargo Home Mortgage and current still have an Adjustable-Rate Mortgage ( ARM ). Wells Fargo has made it difficult and impossible for us to repay them and currently forcing us into foreclosure again. We have been targeted, abused with all these practices from Wells Fargo Home Mortgage. Wells Fargo Home Mortgage claimed to help us under the program Making Your Home Affordable but did the " BAIT AND SWITCH " on us with this XXXX loan with step Rate - Interest Only. We have been targeted since the beginning because we are XXXX and live in a city which is predominant XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Year XX/XX/XXXX I paid through online bill pay directly from my XXXX Bank acct a mortgage payment to Wells Fargo. This was paid on time and on auto pay. Within few days of receiving the payment Wells Fargo sent the payment back to XXXX without my knowledge. A few months after that Wells Fargo started reporting me past due to my credit report and charging me penalties and interest. 

XXXX I worked on trying to get this issues resolved on my own. I had no issue returning the payment again to Wells Fargo and would have done so but they would not remove the fees and the payment would still be considered past due because fees would have been taken from the payment before being applied to mortgage. 

XXXX Attorney XXXX XXXX wrote letters to Wells Fargo on my behalf trying to resolve this issue. During this time wells Fargo requested COPIES of two checks from XXXX Bank that they believed was where issues started. These were provided. But they still would not clear my credit AS IF NO PROBLEM ever existed. 

XXXX Attorney XXXX XXXX XXXX had extensive written correspondences with Wells Fargo trying to resolve this issue. Through XXXX XXXX XXXX office both Arkansas XXXX XXXX XXXX XXXX and Arkansas XXXX XXXX XXXX wrote letters to Wells Fago on my behalf. 

XX/XX/XXXX I met with a Wells Fargo Representative at a local office in XXXX XXXX Arkansas and this representative of Wells Fargo pecifically called Wells Fargo main mortgage office to see what needed to be paid in order to stop the bleed on my credit while this was being looked into by the state congressmen. I also was assigned a direct Wells Fargo representative at that time by the name of XXXX XXXX. 

BOTH XXXX XXXX and XXXX XXXX were involved in campaigns and elections during this time. However XXXX their offices wrote letters AND sent documents provided such as my bank statements and letters showing the routing numbers between XXXX Bank and Wells Fargo. It was requested for a copy of the CHECK in question to be provided showing proof to Wells Fargo from XXXX Bank. XXXX Bank responded that they could provide certified bank statements and routing numbers but that their system was updated and they could not provide the actual check copy. 

Wells Fargo refuses the XXXX Bank letters and certifications and my personal bank statements as proof that THIS PAYMENT was indeed paid on time and properly. I have a specific representative of XXXX Bank local main bank in XXXX Arkansas. 

This has greatly affected my ability to refinance my property of which I have over XXXX equity. I have above XXXX credit score even with the bad Mark of over 40 month rolling past due Mark on my credit by Wells Fargo. This bad MORTGAGE MARK on credit has harmed me in a huge financial way. I have disputed this with the credit bureaus as well. I have a lot of documentation along this journey.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
There is no option to select for what it is I am trying to complain about. I am filing a complaint because this company is preventing me from being able to purchase a home by continuing to report inaccurate information on my XXXX credit file. I have requested that the dispute comments be removed from this account because I am no longer disputing the account and I agreed with the way the account was reporting except for the dispute verbiage. I did dispute the account but they verified the information and I agreed it was mine so there is no reason to continue to keep the account in dispute as if I am still disputing the account. The dispute has been resolved. This company stated to me that they would not remove the comment unless I paid the debt and that is illegal. They are continuing to report an account inaccurately as in dispute in order to get paid. There are guidelines in place that are set by the government that will determine whether these accounts have to be paid in order to get approved for a mortgage and it 's not right that the collection agency is taking matters into their own hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
In XXXX of XXXX an account was opened at Wells Fargo in my name using my address. A check for {$12000.00} from the District of Columbia for a tax return for XXXX was depositied and then withdrawn via the ATM in a span of five days. There are only three people in the country with my name. I had a mortgage account with Wells Fargo but no bank accounts. Wells Fargo did not adequately take measures to prevent this identity theft and my total loss of this tax refund.

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 2017-02-13 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo Bank has refused to reimburse me for monies that were stolen via the ATM using my savings account and presumably a pin. At no time did I authorize anyone to continuously use a debit card to withdraw money from my savings account nor was pin written down or given to anyone. This fraud was done sometimes 2-3 times a day on different debit cards. Since the fraud also happened on my checking account with illegal purchases, after reporting the fraud on my checking account to Wells Fargo and since these were for purchases, Well Fargo reimbursed me. So I would keep getting new debit cards. Since I never used my debit card to withdraw money from my savings account, I did not notice that fraud was also be used against my savings account slowly draining my account. I understand Wells Fargo policy of how many days I had to notify, etc. and although there was over {$2600.00} worth of money that was taken against my account, I was not expecting the entire amount. However, Wells Fargo still insisted that these were done by me or someone I knew and have refused to reimburse my account. Thus, over {$2000.00} of my money has been stolen and Wells Fargo ( because they ca n't prove otherwise and presumably their fraud insurance does n't cover this ), had just shut down my account leaving me to find a new bank. This all took place in 2016.

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 2015-12-19 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:
I was charged a total of XXXX overdraft fees for a XXXX dollar purchase I my account. When calling Wells Fargo to see if they can waive just XXXX of these fees they stated that it was my fault and they could not do anything. So I was charged over {$150.00} dollars for a XXXX dollar purchase. ( XXXX total charges of XXXX ). I spoke to XXXX people who were extremely rude and disrespectful. I do n't think that charging me this amount of money when I clearly do n't have the money is the right solution. I even had a family member transfer money into my account to try and avoid these fees and it did not go through in time to avoid this. However, the people I spoke with still stated it was my fault. This bank is clearly just trying to make money off of me and I do n't find this comforting to know I bank with them. I am very unhappy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In receipt of today 's billing statement dated XXXX/XXXX/15 from Wells Fargo and reviewing the previous billing statement dated XXXX/XXXX/15. The total payment due for XXXX/XXXX/15 was {$2400.00}, my deposit on XXXX/XXXX/15 were, $ XXXX $ XXXX {$820.00}, totaling {$2400.00}. In the XXXX/XXXX/15 billing statement the unapplied amounts were {$810.00} and XXXX. In today 's billing statement I know have total unpaid payment of {$2400.00} and a total payment of {$3300.00}. According to Wells Fargo there is also {$540.00} in unapplied funds balance. In previous correspondence, this is exactly the frustration that I described when having to deal with the Executive Offices and in particular XXXX XXXX XXXX XXXX XXXX XXXX. Which you will see in the previous dispute letter, I requested to have another point of contact assigned to me, due to her lack of knowledge, unprofessionalism, passive aggressive behavior and her inability to control herself, as she constantly talks over the client. I have additionally sent out a direct email to the CEO of Wells Fargo, in hopes that this request will take place. Due to the nature of my work XXXX XXXX XXXX XXXX and my hours of operation ( XXXX-XXXX/Monday thru Saturday ), it was my request that I not be contacted in those time periods. Today I received a phone call from XXXX XXXX at XXXX after I specifically requested, that in those times not to be contacted. Due to the safety and security of the Railroad workers, with whom I protect. In true fashion of XXXX XXXX and the Wells Fargo Organization and the lack of disregard for Railroad Workers personal safety, she continues to pick up the phone and contact me. Thus showing her passive aggressive boldness and utter lack of respect. It baffles me that Wells Fargo can not show where my deposits were applied to my mortgage account. The only response from Wells Fargo is, " We 're working on it ''. I have my records to show deposits made and unapplied funds to my account, which sit collecting interest on a daily basis. I have requested all correspondence in writing, as I understand and can digest everything more clearly in that manner.

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