vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I bought furniture at XXXX XXXX XXXX on a 0 % loan that they offered me. Approximately {$1200.00} of furniture. I made timely payments. XXXX must affiliate with Wells Fargo, because my statements come with Wells on it. My statement I just received has a " previous balance of {$810.00} '' and charges me {$360.00} of interest. Now my balance is {$1100.00} at 27.99 % interest. I called Wells and spoke to a supervisor. The supervisor made a concession of a 25 % discount. I paid what she requested in entirety just now in order to get this 25 % discount via my bank routing number ( I paid her {$1000.00} ). The supervisor tells me that had I paid the {$810.00} just 7 days ago ( by XXXX XXXX ) that I would have saved the interest charge. This seems shady to me that my statement has never clarified when the 0 % was ending, what the interest rate would be raised to. Also, I question why the interest charge is XXXX instead of XXXX ( which is 27.99 % of XXXX ). I am frustrated and feel as though I have been " had ''. I qualified for the 0 % due to my good credit rating. I have never bought furniture on credit in my life. I am middle aged and this was a gift for my adult daughter. I feel as though the affiliation between XXXX and Wells is questionable as well. I remember that I " qualified for a ' {$9100.00} ' credit limit '' and then the " account '' was immediately closed ... not that I was going to buy more furniture. So it is just very strange. Can you help me in any way? I want to complain to Wells Fargo and to XXXX in regard to this shady practice in hopes that it will not happen to others. A side note : the supervisor at XXXX made me pay this amount ( the XXXX ... today, right now ... or else I would not " qualify '' for the 25 % discount ). Not fair when this payment is not even due until XXXX/XXXX/16. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
had credit card with wellsfargo each month charged excessive fees no matter how much paid month after month balance never went down. whatever paid like throwing away money. asked for consolidation loan for help turned down, someone needs to look into how charge excess credit card fees something going on with this company.PLEASE PUT WELLSFARGO UNDER MICROSCOPE ON THEIR CREDIT CARD FEES AND INTEREST RATE.

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 2016-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo charged me for an appraisal fee of {$410.00} for refinancing my mortgage, We never closed on the loan, I withdrew my application before the appraisal was even scheduled and loan processing was never completed and Wells never refunded me my money back. 
I withdrew my application from Wells Fargo because their rates and closing fees were higher than other banks. 
I emailed the company and their representatives XXXX XXXX numerous times but they have declined to response. 
I cant understand why they would charge a appraisal fee even though no appraisal was done.

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 2015-11-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is very simple, but seems to be complex. I had a mortgage with Wells Fargo for 11 years, and never missed a payment. I refinanced XX/XX/XXXX, and have had this mortgage with Wells Fargo for over a year, and never missed a payment. So far, so good, right? I can not get XXXX or XXXX to reflect that the XXXX Mortgage was for 11 years ... .they show the dates, but on XXXX , neither XXXX or XXXX show 11 years credit, and that is what I need on my report ... .longevity is important to show my good history. 
Wells Fargo show the years XXXX-XXXX, but the XXXX are not showing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My checking account has no overdraft protection and I explicitly declined it before. However, I was still charged a {$35.00} overdraft fee by the bank.

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 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ref- Case number : XXXX I just received a call from a representative at Wells Fargo 's Executive Resolution Department where she explained to me that Wells Fargo 's conclusion to my complaint is that I should 've " tried harder '' to get a hold of my processor if I truly wanted to lock in the rate the date that I emailed him. She also proceeded to explain that if I could n't get a hold of him over the phone that I should 've escalated the issue to a manager so I could get a prompt response. I explained that perhaps I would 've if I would 've gotten an out of office response from my processor, but he neglected to have one set up on his email and voicemail. I am very disappointed with Well 's response because this is a big company that should be held to higher standards. Where I work, when you are out of the office you set up an out of office response on your email so people know you are out, when to expect you back, and who to contact for immediate assistance. ( Same goes for voicemail ) Wells Fargo does not believe in this type of best practice. 
As for updating their website to explicitly state a purchase agreement is required to lock a rate, I was told that it is still under a review as to if it is getting updated or not. I 'm not sure how my complaint can be closed out without having a completed review of well 's website if I was directly impacted by the information that was provided on there. I was also told that it was the employees responsibility to inform me what was needed and not the website. That begs me to question why Wells Fargo even has a FAQ page then, if its not complete and accurate, because I 'm clearly being told I should 've only inquired by phone. I disagree with the responses I was provided by Wells because they are excuses and I 'm getting pinned as the customer because they claim I should 've done more to get a prompt response ( instead of 4 days ). I should n't have to suffer for someone who is out of office and I do n't know about it, a different employee should 've had access to his emails and/or my file. What happens when people go on vacation for a week? Do people 's files stay at a stand still? I would like further review from the CFPB and get CFPB 's input on my complaint because I am being treated unfairly.

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 2015-09-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage has refused to give me this current information and your help is needed. I feel Wells Fargo Home Mortgage is duel tracking in a attempt to refuse a loan to me and discriminate against a XXXX women. Loan # XXXX XXXX XXXX, Property Address : XXXX XXXX XXXX XXXX , XXXX XXXX, CA.XXXXWhat the status of my Loan Modification Application? 
On what date did you receive my Loan Modification Application? 


XXXX 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 — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was sold per Wells Fargo a fraudulent loan, what was supposed to be a XXXX FHA loan turned out to be a reverse foreclosure loan which requires adifferent set of documents and applications. 

My loan was a violation of federal regulations and with illegal overcharges. 
The sellers were at the closing and received a check for the purchase. 
I was blinded with this being my XXXX home purchase. This is a deplorable acttowards a senior citizen with this being a XXXX and over community. I haveworked long and hard for over XXXX long years as a XXXX and now in myretirement time I find myself homeless. 

Wells Fargo has been unsympathetic regarding this matter. I have beenphysically ill and hospitalized over this matter. My siblings and I were taught topay our bills and follow the law, but what I have found is an unjust sentence inmy golden years. My life is at a standstill and I find myself aborted back to XXXXyears ago when I was capable of working XXXX hour shifts, This has become aliving nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
While overseas during the month of XXXX and XXXX 2016 and had prepared to use my ATM card held at WF and had successfully made withdraws, such as on XXXX/XXXX/16. Some days later, XXXX/XXXX/16 I went to the same location and attempted to withdraw funds and was given an error message. I went to another ATM ( different Bank ) and got the same error. I then call WF customer service and confirm that funds was available and told her of the error message, to which she suggest that I make sure I select SV. I agreed and told her that I have made successful withdraw before and well aware of options.I tried XXXX other ATMs and still received same error message and placed XXXX more calls to WF, where I was treated with disrespect and horrible customer service. At no time did the agents tried to resolve issue, but instead stress that the account is not being linked. Frustrated on the last call the agent was so rude I asked for a supervisor to which he told me NO! 
I was left cashless, hungry and embarrassed because I had not funds to pay for a surprise cake for my mothers birthday. On top of this I was hit with numerous fees ( multiple in XXXX day ) as " 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 2015-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells fargo has harassed me by calling me at home at least XXXX times a day and at work at least XXXX times a day, They take payments and place them in " unapplied funds '' for extended periods of time allowing the mortgage to become late and charge me a late fee. 

after several demands to stop calling and a cease and desist letter they are still calling several years later even when the loan is current

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Alliant Capital Management LLC
State: OH

Complaint narrative:
On XX/XX/2015 I received a call to my mobile phone from a number I did n't know. I use this phone for business contacts so I called it back thinking it could be a client. It was answered by a man who identified himself as XXXX. The number is XXXX. I did not confirm that he was speaking to me. He gave out the last XXXX of my ssn, the amount of the debt, my former employer and other information. Again I did not confirm my information. He became aggressive and harassing. When I asked who he worked for he did not give a name at first and then said it so fast and quiet that I did not understand. He then began making threatening statements. I informed him that this was a line used for business and not to contact it again, he stated that he would continue to call. I disconnected the call at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We refinanced our home to pay off some credit cards. A check was mailed to Citi Cards with the payment coupon sheet in the amount of {$9500.00}. Citi did not post the payment. After two full weeks, I contacted Citi and presented the paid canceled check from XXXX XXXX company. I was promised the funds would be applied to my account within 48 hours on XXXX XXXX, 2015. It is now XXXX XXXX with no funds posted to the account. I have called and spoke to multiple account supervisors and the funds are always 2 to 3 days from being posted. They have the payment and have refused to post it in a prompt manner. Let others take note that Citi can not or will not post payments promptly. I will never recommend this card to a friend.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: North Shore LIJ Health System
State: NY

Complaint narrative:
XXXX Debtor information and payment online options not available. 
Debtor unreachable only by mail. I feel unsafe mailing out checks to this business not endorsed by the BBB. Their is no way for me to check my balance by automated system. I dont know any up to date information regarding this account. I have no confirmation of payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo never provided a Loan Modification Denial Letter. Please provide a denial letter if you claim you sent one. XXXX XXXX, XXXX, XXXX XXXX XXXX of WELLS FARGO, emailed Attorney XXXX XXXX of XXXX XXXX XXXX, stating " the Loss Mitigation Group is currently working on my matter. '' XXXX XXXX, XXXX, Attorney XXXX XXXX submitted my Loan Modification Hardship Letter to WELLS FARGO. XXXX XXXX, XXXX, I received a letter from Attorney XXXX XXXX that she has " successfully stopped foreclosure proceedings initiated by WELLS FARGO '', and has successfully secured a loan modification from my XXXX Lien Mortgage. It was stated to me that it only makes sense to secure a Loan Modification for all liens ; otherwise, securing only the XXXX Lien Mortgage defeats the purpose of saving my home. Why waste time on securing a Loan Modification for the XXXX Lien Mortgage, if the XXXX Lien is going to foreclose? The following is an exact account of how my Equity Line of Credit was mishandled by WELLS FARGO : Based on financial hardship, XXXX XXXX, XXXX, I took out a XXXX Lien Mortgage of {$250000.00} on my home. Upon closing, WELLS FARGO divided the XXXX Lien Mortgage into XXXX loans, which resulted in a XXXX and XXXX Lien Mortgage of {$170000.00} ( Loan # XXXX ) and {$75000.00} ( Loan # XXXX ). 
Unlike what the following demonstrates, XXXX XXXX, XXXX, my " Credit Report '' reflects only XXXX Corporate Assignment, " XXXX XXXX '', executed XXXX XXXX, value of {$160000.00}, Loan # XXXX, which was never mailed to me. Surprisingly, the amounts and loan numbers of my liens were changed to : Second Lien Position, $ XXXX/Loan # XXXX and XXXX Lien Position, $ XXXX Loan # XXXX ; therefore, I question the validity of the " XXXX XXXX XXXX Account ( XXXX ) Agreement and Disclosure Statement '' that Wells Fargo provided . The aforementioned demonstrates that the XXXX Agreement and Disclosure Statement provided by WELLS FARGO is not the document I signed upon closing. English is my XXXX language and I have evidence of being treated unfairly. Please provide me with the documents signed that reflect {$170000.00} and {$75000.00}. During the processing of the Loan Modification, I received letters from WELLS FARGO, stating, XXXX XXXX, XXXX, the XXXX and XXXX mortgages were charged off. Moreover, I received a letter from WELLS FARGO that my home was no longer in foreclosure ; I thought it was all over. I never received a Loan Modification denial letter, and I never received monthly statements anymore. Supposedly, Nine ( 9 ) months after the Charge-Off, XXXX XXXX, XXXX, WELLS FARGO executed a Corporate Assignment of Deed of Trust to XXXX XXXX, XXXX, non registered to do business in California, of the XXXX Lien Mortgage of {$160000.00}. XXXX XXXX, XXXX, as the New Loan Servicer, never gave me a statement requesting monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc.
State: NC

Complaint narrative:
This concerns a load from SoFi. I filed out all needed paperwork and send all required documents. On XX/XX/XXXX I received an e-mail saying " congratulations your load has been approved please login and sign your paperwork. ( I have attached that e-mail ) logged in from my phone and tried to sign but only got a blank screen and was kicked off. Called rep the next day was told to use my home computer same issue. Called rep next day he reset and told me to be sure I was using Google Chrome, delete my history and cookies did all those and the same thing. Called rep the next day she stated it was something wrong on there software she would send it to me via e-mail and she would call me back. After 3 days no phone call no e-mail called rep again he apologized and said he would send me an e-mail and if I did not get in within a couple of days call back and he could send XXXX. After a couple days no e-mail so I called back rep stated that as of that week they no longer send XXXX put she would talk to her manager and call me back. No phone call but I got an e-mail stating that my loan was denied and should try XXXX for a loan. I called a manger and got no help she just said she was sorry and there was nothing she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a XXXX patient unable to pay loan due to unemployment.

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 2015-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
when i bought the house we live in, the mortgage is with Wells Fargo. when pres obama said there is mortgage help out there i thought why am i paying 6 % on my loan. This was in XXXX i have contacted Wells Fargo to refi to a VA loan from a fha loan because of all the insurance i have to pay. Well to make a long story short here i am 3 years later still trying tlo get a refi. Wells Fargo has never ever tried to help me. in XXXX i suffered a XXXX XXXX XXXX, i am the only worker in my family. when the XXXX XXXX came my unemployment just ran out current on mortgage. As i was in the hospital from XXXX XXXX to XXXX XXXX i was in the hospital. my new job was to start on XXXX XXXX well after the XXXX, i was left with XXXX income, so i went to my veterans service office and received a macv which paid my mortgage and house bills for 6 months. they paid and not always on time, So Wells Fargo who knew of my condition said as long as we receive it by the XXXX no penalties. So what they kept doing is reported every late to the credit bureau. taking my credit score from XXXX down to XXXX. So now they will not refi me because my credit score is down. What they do not understand is that they did it and that they refused to help because of that. So they keep doing this while i go deeper in debt. All i ask is that they refi me, take the stuff they put on my credit report off. i have been ontime for past 6 month, they told me after 3 months on time we will work with you. Well its been 6 and nothing. for three years i have been paying over {$4200.00} on interest and {$1200.00} on my principle per year. Also they have raised my esgrow account from {$130.00} a month to over {$210.00} a month, mean while my insurance and taxes have not gone up since i signed the papers. my tax goes up only {$40.00} and down depending on the schools needs. my insurance highest was {$1000.00} i have since redid insurance XXXX to keep it below {$800.00} a year. But Wells Fargo has broken verbal promises, they have lied to me about why my payment keeps going up even though the taxes and insurance as i write this are the same as when i signed my mortgage but the increase of 100 % is alarming. They refuse to help because of my credit score in which they brought down as i was fight for life. This bank has done alot of damage to my credit, my life and yes i am on XXXX because of XXXX during my XXXX XXXX. I just need this bank to do the right thing. they have disciminated against me, they have put me in a financial pickle. I have tried but all i get is no we ca n't because of your credit score that we brought down. my next step is to sue Wells Fargo XXXX XXXX for unethical business practices and unethical discrimnation of finacial help, and unethical lending practices. The 6 % i pay on this mortgage is unreal and Wells Fargo owes me for overpaying the last 3 years.

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