vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I purchased a home in XXXX XXXX, Minnesota through an FHA loan with Wells Fargo. I was relocated for my job and listed the house for sale through a realtor. The house did not sell and my only option was to rent out the home. I had various tenants rent the property and the last tenants damaged the home beyond its value. I took them to court to evict them but unfortunately after they moved out of the property I was unable to locate them therefore I was unable to recoup any damages. I contacted Wells Fargo and spoke with a loan counselor. I was instructed to go through the short sale program and I then sent in the necessary paperwork. I was contacted by a representative at Wells Fargo saying my short sale request had been approved and to put the home on the market at a price Wells Fargo set. Months later I received a letter from Wells Fargo saying the short sale request had now been denied and that Wells Fargo already started foreclosure proceedings. I was informed that there was nothing else I could do. About a year later, I was contacted by a representative with the National Mortgage Settlement Administration and was told I was eligible to take part in a class action lawsuit against Wells Fargo for mishandling the short sale and forcing foreclosure upon the property. Wells Fargo admitted wrongdoing and lost the lawsuit. Over five years later, I am now trying to obtain a new mortgage and am being penalized with loan options because Wells Fargo is still reporting the loan as a foreclosure with a balance owing. I have asked Wells Fargo to look into how the loan is being reported to the credit bureaus and sent the appropriate documentation to them. I was contacted by a representative from Wells Fargo saying that they looked into it and it is being reported correctly. After I questioned the decision, the representative told me she did not look at any of the documentation I had sent. She told me she would reopen the case and get back to me. I have not heard from this representative or anyone else at Wells Fargo in ten days despite leaving numerous voicemails asking for a response. I am requesting help from the CFPB to assist me in getting this information corrected on my credit report so I am able to obtain a new mortgage and have the options available to me that I would otherwise qualify for. My credit and personal financial situation have suffered due to the wrongdoing and mishandling of the loan by Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I owed a debt to an original credit grantor, ( XXXX/Dillards ) some how ( XXXX ) XXXX XXXX XXXX was brought in to collect the debt, we ( XXXX and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to two division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from one mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my XXXX account with no mention of the XXXX account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We applied for a mortgage through a mortgage broker. When it came time to accept and lock in the rate, the mortgage broker informed us that as a condition on getting the interest rate and terms that we wanted, we were REQUIRED to open an account with the bank offering these terms. This bank is Wells Fargo Bank , NA. 

Normally, in our 30 years of owning a home, we have had our payments automatically deducted from our primary checking account with a bank ( a competitor of WF ) that we already have a relationship. But for Wells Fargo, this set up is not enough. They essentially are coercing us into opening an account and to become a customer in order to get a mortgage. If we do not open the account, we CAN NOT get the mortgage. We can not have the terms that they offered. We can not buy the house. 

We have no intention of opening an account. We can make payments as we have always done it : through our primary account with a competitor. 

WHY is WF forcing us to open an account with them when we do not want to? They are not convenient to us ; they are not near to us. We do not like their banking products, except for the mortgage. Why, as consumers in a free market, should we be forced to open an account. 

This requirement amounts to coercion and tortious interference with business relations. 

This requirement is EXACTLY why the big banks should be broken up. This requirement should be investigate and WF should be estopped from requiring this action as part of offering a mortgage product.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened a Wells Fargo checking account on XX/XX/XXXX. Later I found out that they setup an opportunity checking account which has limits on what I can do with my money. I could n't send or receive transfers, use the mobile app surepay, could only deposit money at the teller or atm. I called Wells Fargo and asked them about this policy for that type of checking account. They said that I would be graduated to a regular checking account after i 've had the account for a year as long as the account was in good standing. Well XX/XX/XXXX strolls by and nothing happens. I call Wells Fargo again and they tell me that they ca n't graduate the account online, so i got to the local bank. At my local WF bank they tell me they ca n't graduate the account. They tell me it is automatically done. Nevertheless im not taking no for an answer so i try to go around the system. I applied for a prepaid card with WF. I was denied for that too!!! At this point I am extremely XXXX. How can I get denied for a simple prepaid card? After applying for the prepaid card and receiving my decision from the bank they tell me I will receive a letter in the mail stating why I was denied. I received the letter and it tells me nothing. Instead it states if I have any questions about the decision to call customer service. I call the number they provided in the letter and the agent cant tell me anything except read verbatim the same exact letter I received. I talked to 2 other agents and they could n't tell me anything either. At this point im livid with Wells Fargo. I close the the idiotic opportunity account and take the rest of my money. Furthermore, I also tried to get a joint account with a friend whom already has a regular checking account with WF ( again trying to beat their system ). Consequently they denied that too. Once more they ca n't tell me why I was denied for the joint checking account. They also did n't state in the letter if they ran my credit or not. If they ran my credit I have the right to know. The reason why i 've tried so hard to establish a REGULAR account with WF is they are nationwide, convenient, technology friendly. It would be easy to receive money for my baby son and his needs from his father.

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 2016-10-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
While trying to apply for my first credit card at wells fargo I did not pass the red screen. They told me i had accounts not paid for as agreed. There were no records that i was sent to collections or had accounts closed. I also received a new job but they pulled their offer a few days before i was supposed to start because of some accounts on my credit and now i have been unemployed for over 3 weeks. Wells Fargo recommended i contact experian to see my credit report and sure enough i had XXXX business accounts sent to collections by wells fargo. I took the account number and contacted wells fargo and had them show me the applications for these accounts. While going over the accounts the banker who i 've never worked with or a branch i 've ever been to created a fake business and opened XXXX accounts. They also put my mothers phone as the business number and left other information incomplete. To top it all off there are no signatures on the applications. They are left blank and a box that states i submitted these applications manually.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
For six ( 6 ) years, I have paid my student loans with Wells Fargo ( currently XXXX ( XXXX ) have outstanding balances ) on or about the last day of each month. On XXXX XXXX, 2016, I received an e-mail from Wells Fargo informing me of past due payments. Concerned, I reviewed by online banking bill pays at my deposit financial institution and confirmed the payments were sent. I then reviewed my online account with Wells Fargo, which confirmed the total payment amount was indeed received on XXXX XXXX, 2016. I called Wells Fargo and was informed that the payment was received, but, because a statement for XXXX ( XXXX ) of the loans had not generated by the time the payment was received, the funds applied to those XXXX ( XXXX ) loans did not advance the due date. In short, despite paying my loan, I am considered past due. I requested Wells Fargo to reapply the payments or advance the due date, whatever needed to be done to rectify the situation. I was told I could either make another payment or Wells Fargo would return the previous payment for me to submit again. I asked if Wells Fargo would credit my account for any additional interest accrued from XXXX XXXX, 2016, until whenever the funds could be returned to me and sent back in for payment and was told no. This means Wells Fargo is willing to allow my payment to be allocated toward more interest than principal, despite the fact that I paid my monthly installment on time as I have for six ( 6 ) years. I again requested my account be corrected and was promised a return phone call from the supervisor with whom I spoke by the end of business. I have not received a return call or further communication. 

Wells Fargo 's practice of having separate statement dates for XXXX ( XXXX ) loans in what is considered XXXX ( XXXX ) student loan account is deceptive. I receive statement alerts, but only for the generation of XXXX ( XXXX ) statement for XXXX ( XXXX ) loan. I have never had a problem with making one ( 1 ) payment at the end of each month until now. 
It is unfair of Wells Fargo to refuse to advance my due date and offer me only XXXX ( XXXX ) options that either cost me more money ( making a second payment ) or result in me paying more in interest by waiting for funds to be returned and sent back in.

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 2016-12-27 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a claim of unauthorized transactions from my savings account. Wellsfargo has not refunded the full amount of money despite being a loyal customer since 2002. I was originally told that I would be receiving all of that money back but now am told that is not the case. If I had many suspicious withdrawals, why did n't Wellsfargo notify me? I have also filed a police report regarding this cyber theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received this email from Wells Fargo : Our records indicate that your Wells Fargo checking account XXXX that is linked to your Bill Pay service has been closed or is no longer available for use with Bill Pay. A Wells Fargo payment account ( checking account ) is required to maintain your Bill Pay service. 

Until you designate another checking account as your new payment account, we have canceled any pending payments and will suspend any automatic ( recurring ) payments that have been scheduled. 

If this was the only checking account linked to your Bill Pay service, please contact us at XXXX. 

If this is not the only checking account linked to your Bill Pay service, please sign on at https : //www.wellsfargo.com to select a new payment account and reschedule your payments. 

If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on at https : //www.wellsfargo.com/questions to send a secure email. 


========================= Please do not reply to this automated email. To send a secure email, sign on at https : //www.wellsfargo.com/questions. 

I attempted to send them a secure email through their website, but was not able to do so. The email was never submitted. 
I called to discuss the issue with them, but they refused to discuss the issue with me. I have a recording of the phone call as well.

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 2016-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I submitting my complaint against Wells Fargo because I feel as if they are not ever going to assist me in saving my property against foreclosure. I am currently XXXX months behind and was recently declined for a loan modification. Once I received the decline with Wells Fargo, I reached out to a HUD XXXX who advised me to visit a website by the name of https : //www.checkmynpv.com/bnpv-ui/pages/start.xhtml, which I was told is an NPV calculator and imputed the exact numbers used to calculated my NPV. To my surprise, the XXXX calculator came back with a recommended loan modification based on all my information and not a decline like Wells Fargo gave me. I want you to please help me contact Wells Fargo because I do not want to lose my property to foreclosure but just do n't feel like they are going to listen to me. I feel very uncomfortable dealing with them. A few weeks ago my husband called and was treated as if he was committing fraud simply because there was an answer that he was n't able to answer the way the rep at Wells Fargo wanted him to answer. After a XXXX minute conversation, the rep came back to my husband after talking to someone in charge and told him that his explanation was ok. My point here is that Wells Fargo makes everything so difficult and I believe that they are acting in their best interest. I trust that I have a good case because I do not think a government website like the XXXX would make a mistake and provide a recommended approval with all the information that matched Wells Fargo 's decline. I have attached a copy of the recommended approval along with the inputs that Wells Fargo provided to show that everything matches up. In addition, in the past I have tried applying for assistance while I was current on my mortgage and my property was underwater and was also declined. Now that my property has equity, I feel that Wells Fargo is trying to have me foreclose because they can get their money back. They are the investors on my loan from the paperwork that they provided to me. Thank you

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 2015-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I AM FED UP WITH WELLS FARGO. THEIR BANK FEES ARE HONOROUS. I HAD APPROX XXXX IN MY ACCOUNT AND XXXX WAS PULLED FROM MY ACCT BY IRS DUE TO A PAYMENT PLAN. FOR MOST MONTHS, MY PAYMENT HAD BEEN XXXX AND I WAS NOT ANTICIPATING XXXX. I PUT XXXX IN MY ACCT THROUGH A TRANSFER WHICH IS POSTED A DAY LATER THAN IT SHOULD BALTHOUGH ITS FROM MY ACCT. TODAY I DEPOSITED ANOTHER XXXX. FROM MY PONT OF VIEW, I HAD XXXX DOLLARS POSTED TO MY ACCOUNT WHICH WAS TO COVER XXXX. BECAUSE OF THE XXXX LATE FEE, I GOT ANOTHER LATE FEE WHEN THE XXXX POSTED. THEREFORE IN 3 DAYS WELLS FARGO COLLECTED XXXX DOLLARS IN OVER DRAFT FEES FROM SOMEONE WHO IS STRUGGLING FINANCIALLY. I HADXXXX IN BILLS AND I AM STILL XXXX IN MY ACCOUNT. I HAD XXXX ADDED TO THIS ACCT AND XXXX BILLS AND I AM STILL XXXX. DOES NOT MAKE SENSE. 
ALSO, I GET XXXX FEES FOR TAKING MONEY FROM MY OWN ACCT TO COVER IN MY IN A CHECKING ACCT SO IT WO N'T BE AN OVERDRAFT.!! 
WITHIN 5 DAYS I MUST HAVE ABOUT XXXX DOLLARS IN BANK FEES. IF I HAD THE MONEY, I WOULD NOT HAVE AN ISSUE. I FEEL THEY ARE PENALIZING POOR PEOPLE.!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 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:
What happened ... 
I wrote a letter to WFB XXXX XXXX, XXXX, explaining that they were reporting GOOD information for an old Home Equity loan from circa XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. 
What happened next : I received a letter from WFB dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " The date of first delinquency is over 7 years on this account. This account is no longer reporting. A request has been sent to the credit reporting agencies to delete this account. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report. 
I understand if they do not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history. I understand this information is older but it is still useful in a manual review.

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 2015-07-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, my husband and I refinanced our Mortgage and got the " Pick-a-Payment '' mortgage loan through XXXX XXXX. Later this adjustable interest loan was bought by Wachovia Bank and later Wells Fargo Bank. We were in the process of refinancing this loan through Wells Fargo Mortgage ( our house is in our joint Living Trust ) when my husband passed away in XXXX XXXX. I continued the re-fi application in XXXX and by XXXX/XXXX/XXXX, Wells Fargo declined the application only to have our consultant call on XXXX to say that they could do the new loan. I have submitted numerous documents regarding the Living Trust, our wills, income/employment/business information plus paid the {$500.00} appraisal fees. Today ( XXXX/XXXX/XXXX ) I have still not heard that the loan is approved and the interest rate increases every year for the XXXX payment. 
In XXXX XXXX, we were sent a {$160.00} check for settlement of the XXXX XXXX Wachovia Bank, Wells Fargo & Company, Wells Fargo Bank , N.A . ; and Does XXXX for XXXX XXXX. XXXX XXXX to settle a lawsuit regarding these predatory " Pick-a-Payment '' mortgage loans. We decided not to cash this check and still have it in my possession as cashing it you relinquish all future legal recourse. This is a predatory loan and I will be seeking all legal resolution if my refinance is not processed within 10 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been trying to get a loan modification from Wells Fargo due to a change in my income. They are giving me the run around, as if they are purposely trying to put me out of my home. They keep dragging this thing on and asking for the same papers over and over again, only to be denied. 
They are not helpful in any way but to take my home. 
I really need help. I do n't know what else to do when my mortgage servicer refuse me any help

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