vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
never late with a payment - they just increased my interest rate on an existing loan, was not a new purchase. I no longer have the old paperwork

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 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo continues to report an unresolved auto loan balance on my credit report that is not my responsibility. I have contacted Wells Fargo about this on numerous occasions, and provided them with the court documents which transfers the liability, but they refuse to take action.

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 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I received an unknown deposit of {$500.00} to my checking account ending in XXXX on XXXX XXXX, 2016. I called to inform Wells Fargo something may be suspicious with a {$500.00} deposit from a business account I did not know. The fraud department changed my account number, and said they would be holding onto these funds while they looked into it. On XXXX XXXX, my aunt called and asked me if I received the {$500.00}, which she said was a surprise gift. I asked her where it was from and she stated her business name, XXXX XXXX XXXX or something. That was the deposit that I reported to the Fraud Department. I called them back and said that I made a mistake, and to please withdrew the claim. I was advised that the claim would be closed and that the {$500.00} would be credited back to me. Then I get notified by email that my account has been closed by a different department ( charged off because of a negative balance ). I received a letter dated XXXX XXXX, stating the claim was withdrawn and now closed, but no indication of how the funds would be returned to me. I looked at my account and there was no credit of {$500.00}. I have not received a check. I have not been advised a check has been mailed. I have called several times. I was told " well it should be mailed out to you within 10 business days. '' I asked where the record of the check is. I asked if there are notes and from whom stating a check had been mailed. But no notes, no confirmation, no indication a check was being mailed. Then I called again, the fraud department rep told me the investigator, XXXX, would return my call in 24-48 hours. I have not received a call. I called again today, and spoke with a woman of whom I do n't recall the name, and she stated she was working with XXXX via email while I was on the phone with her, and asked me to hold. I WAS ON HOLD FOR AN HOUR. And still she did not return to the call to inform me what was going on. I called again and waited to speak to someone, and he told me there were no notes on my account from her. He informed me that he could not find where the {$500.00} was returned to me, and that he did n't know who I should talk to about where the money is. Customers are not allowed to have phone numbers for the investigators, so he put in ANOTHER request for someone to return my call. I asked that he request a supervisor return my call. He informed me that someone would be back to me in 24-48 hrs. What if they do n't call me back, even with repeated requests?? I believe someone in the fraud department has either lost or stolen my {$500.00}. Whom am I to call and actually reach someone to send me the {$500.00}???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Was caught up in a real estate scam. Now I have a mortgage in my name for a house I do not own or live in. XXXX Years later, no one is making payments on the house and instead of foreclosing and ending this nonsense Wells Fargo wants me to somehow magically get the title back in my name. They wo n't foreclose and they have attorneys contacting me to tell me to transfer a title back into my name that I ca n't possibly do. XXXX complaint here also, everytime the rep from Wells Fargo contacts me he rude and ugly towards to the point of me yelling at him on the phone.

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 2016-07-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo did not tell me that I personally had to submit an enrollment verification. I was told this was done through the clearing house and my enrollment in school would be verified. However they did not do this and my student loan was subsequently charged off at the end of the month. I received no phone calls from XX/XX/2016-XX/XX/2016. I received a phone call today stating that my enrollment verification was not received. Who knew that I had to send it in. I received an email from my school on XXXX/XXXX/16 that my registration was finalized and I was officially enrolled in school. I spoke to " XXXX '' who was very condescending and pretty much told me I need to own up to my faults and take responsibility for my actions. I find it very sad and disheartening that it took for my loans to charge off in order to get any type of payment help. But that is very much a different story. I have repeatedly asked for help to no avail. But I digress. " XXXX '' basically told me that I should seek another loan to pay them off or ask my job for the money. How unprofessional is that?! Regardless I set up payment arrangements to begin paying off on my wrongfully defaulted student loans. I think that this should be reversed and my loans put on an in-school forbearance. She solely went off of what the girl put in the system when she spoke to me. She is allegedly reviewing the tapes to see what was actually said. Let 's see if I get a phone call back. I still have n't heard back from XXXX and that was about 3 months ago. I am just frustrated with them. They have got to be THE absolute worst company to deal with. Their staff can be very combative and aggressive, nobody is every really very pleasant and when you call them out on their stuff, there is conflict. That is when they go on the defense and the conversation goes south quick. I hope maybe this time I can get some help or clear guidance on how this works, what was actually supposed to be done, and what the purpose of the clearing house is if they do not regularly check it. This is probably all over the place but I am frustrated and upset that this has happened to me. Somebody dropped the ball and now I have to pay. And of course it will be my fault, because with them the consumer is never right.

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 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo has continuously lost documents including my quit claim sent to them a number of times, delaying and causing me to have a decision on a modification postponed numerous times over the past few years. 
Modification trial payments were made and all documents were sent in again and again and again upon request from Wells Fargo because they continued to lose documents. Wells Fargo send me final documents with wrong information on the documents and did not follow guidelines per the quit claim. Wells Fargo assured me they would resend corrected document. I never received corrected documents. Wells Fargo has escalated to foreclosure on my mortgage. I have received a new letter stating they are willing to work on another modification at the same time they are working on foreclosure.

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 2016-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been a customer of Wells Fargo for over 15 years. Wells Fargo has consistently approved debit card transactions and transfers on my account and then charged me overdraft fees after the fact. This is not a one or two-time occurrence ; it happens consistently. They will make sure to process transactions in an order that assures that you will get charged as many overdraft fees as possible.

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 2015-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I relocated from XXXX to XXXX for better employment. I was at my new employment for 13 months before being let go. I then had to relocate a XXXX time, living with my parents for 5 months while seeking new employment. I relocated a XXXX time after obtaining new employment. The whole time, I continued to pay the mortgage on the home from my savings, credit cards and help from parents until I exhausted all my available funds. I also had the home listed for sale for two years. 
In XX/XX/2014 I sought the assistance of a HUD counseling agency to assist me in exploring the avenue of a deed in lieu of foreclosure. We have diligently contacted the bank with no success in obtaining a clear process for it. Now they have foreclosed on the home and made me responsible for the deficiency. I am at the mercy of a bank that refuses to work with me to rectify the situation to mutual satisfaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have discovered someone stole my identity and opened several accounts with Wells Fargo without my knowledge. The fraudulent accounts were foreclosed on and others sold or transferred to XXXX parties XXXX, XXXX XXXX XXXX XXXX and others from the XXXX XXXX XXXX and XXXX XXXX XXXX. 
Wells Fargo was informed however never corrected inaccurate information listed on my credit report. The inaccurate information continues currently to cause financial harm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I would like to file a complaint about the very misleading selling and marketing techniques of Wells Fargo and specifically the employee named XXXX XXXX XXXX ID XXXX My wife myself my daughter XXXX and my son XXXX have XXXX accounts at Wells Fargo When I opened the accounts years ago I was told that all the accounts would be considered together and if the combined accounts were above a certain amount ( I think to remember dollar XXXX ) there would be no fees charged to any of the accounts I stressed the fact that I did NOT want to pay any fees as a condition to open an account in the first place On XXXX XXXX 2016 I discovered that my son checking account had been charged dollar XXXX in Overdraft Transfer Fee, just for the system to automatically transfer money from his savings account to his checking account. I went to the Wells Fargo branch and spoke to XXXX XXXX, who after some negotiations agreed to remove the fee. She also recommended to close the savings account due to the small balance of the savings account. I made clear that I did not want to be charged any fee in the future and to avoid any risk I made an additional deposit of dollar XXXX on behalf of my son. Few days later I noticed that the savings account was also charged a dollar XXXX Monthly Service Fee on XX/XX/XXXX, which XXXX XXXX never disclosed, even if I made clear few times that I did not want to incur any fees. I went back to the bank and XXXX XXXX told me that since the account had been closed, the fee could not be reversed. I find very dishonest the fact that XXXX XXXX did not disclose to me first that the savings account was charged with an additional fee and then even worse, recommended the closure of the account and then used that as an excuse for not refunding the fee.

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 2016-12-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
After providing Wells Fargo with the Notice of Assessment Reduction on XX/XX/XXXX we received a letter stating that Wells Fargo was increasing the escrow amount that was extracted bi-weekly beginning XX/XX/XXXX. 

We sent XXXX other letters showing the reductions and that the XXXX XXXX insurance amount was also being reduced by XXXX / year and Wells Fargo proceeded to remove the new increased amount on XX/XX/XXXX th. 

This increase caused our account to go overdrawn and we called and attempted to correct this for XXXX weeks. We need to have the previous amount returned and the adjusted reductions applied XXXX so that we can continue with our payment agreements.

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 2015-09-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Home Mortgage has declined my request for assistance under the HAMP program. I have an adjustable rate, negative amortization mortgage that they have refused to modify into a fixed rate affordable mortgage. Despite providing tax return documentation and current bank statements, they have incorrectly calculated my gross monthly income by at least XXXX They claim my housing expense exceeds the HAMP XXXX % guideline although based on the income documentation I have provided is is less than XXXX %. I feel they are taking advantage of my inconsistent monthly income flow that is common in my employment as a XXXX to keep me in a adjustable rate mortgage that currently has a 7.3 % interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have sent requested documents to Wells Fargo from their office fax machines, yet they claim not to have received them.

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 2015-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was in the process of a loan modification and Well Fargoclaimed that I had a lien on my property in the amount of {$18000.00}. I completed the trial modification. 
I went back and forth with them and told themthe lien is against another person with the same name. 
I provided my own title work which proved the lien wasnot on my property. I contacted them several times and wastold someone would reach out to me but only after theydenied the modification due to a time lapse was I able toreach someone. I provided them with the attorney 's nameand telephone number who filed the lien. They are horriblewith follow-up and may cause me to lose my home becauseof lack of service and the lack of follow up on the informationI provided to them and that is readily available to themthrough other sources.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
TO : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : Wells Fargo Home Equity Solution XXXX # XXXX XXXX XXXX Home Campus XXXX XXXX , LA XXXX I am _______ a natural person whom is seeking assistance with filing a complaint against Wells Fargo Bank of New Jersey . This is about my primary Residence located at XXXX, XXXX. 

This notice is brought before you because a " debt collector '', has engaged in consumer debt collection activities within Wells Fargo Bank of New Jersey, against me. 

Wells Fargo Bank is attempting to collect the debt in relation to a mortgage Note, which they are not the " original lender '' or " creditor '' to whom the debt was owed. In XXXX of, 2013, Wells Fargo Denied my request for permanent Modification of my qualifying loan under the Home Affordability Modification Program which was provided to me by Wachovia Bank of NJ, my original lender. 

I have repeatedly provided Wells Fargo with all my financial information, including bank statements and cash flow analysis showing that the building is self sustaining in it 's ability to repay the Modified Loan Requested. But as of this time, they still refuse to help me save my primary residence. This is a self sustaining rental property, if I receive the Mortgage Modification. 

It is my belief that Wells Fargo is engaged in " Redlining '' for failure to assist me with my property, in XXXX, New Jersey, that I believe qualifies for at least XXXX of the many Federal Programs designed to help borrowers maintain the integrity of their neighborhoods as laid out by the Housing and Urban Development Agency. Therefore I seek your assistance with filing a complaint under Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits " unfair or deceptive acts or practices in or affecting commerce ''. 

I look forward to hearing back from you in an expeditious manner. 


Sincerely XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am challenging Public Record Information on my credit report of which I am stating is inaccurate in its filing. I understand the term " Dismissed '' to mean that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not and do not verify or provide information to the agencies. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal future objectives. Please advocate for me in this challenge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been requesting a remodification from Wells Fargo for almost a year. They have declined it but say because I am not responding. I have left messages, called, and ask for corespondence in writing so I can respond in writing. They refuse. Also, they cam to my house and posted a notice that they were going to change the locks and board up my doors even if I am inside. I do n't think this is legal and could my self and my pets life in danger.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have been a good customer with Wells Fargo since XX/XX/2007. Everytime I need to talk to someone I get put on hold or get disconnected. I have tried to close an account and they have a XXXX - XXXX day process to close account. I make a telephone payment and request the account be closed and they wo n't close account. Today I have spoken to more than XXXX agents spent more than an hour disconnected twice. Wells Fargo should not be in business if they can not look after their customers.

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