vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealer Service inaccurate reporting to the Credit Reporting Agency about, late Auto payments, no insurance and harassing phone calls. Wells Fargo Dealer Services has been calling me at 3 times a day for about a month or so ago. They allege that I owe them money, extra money and increased the balance owed on my auto. I have not missed a single payment ever since I got the car loan through them. I requested a deferment on my pay in XXXX XXXX, they granted my request. They have claimed that I do not have full coverage auto insurance, and that is why they believe I owe them money ; when again this is incorrect. I have submitted proof of insurance online, through a website they provide, as well as over the phone. The website is very difficult to manage due to the site off and on malfunctions. I spoke with the customer service representative multiple times about what they need to correct. This did not resolve the issues and even though Wells Fargo sent me documentation stating that my Insurance policy was updated and effective since XXXX XXXX XXXX Wells Fargo still reported me late for the month of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. When I call to explain the errors made by WFDS the customer service gives the same update stating that they will not the file. Now because of WFDS inaccurate reporting and attempting to add fees has caused a chain reaction when applying for a place to live for my XXXX children and myself. I feel this is a great deceptive pratcice used by Wells Fargo Dealer Services.

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 2016-06-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This complaint is regarding Wells Fargo. XX/XX/XXXX I refinanced my home mortgage taking cash out to make home repairs, pay off an auto loan and pay off an installment loan with Wells Fargo. On XXXX/XXXX/16 I made the final payment on the installment loan at a local Wells Fargo branch. This check included a slight overpayment. The payment on the loan, final accrued interest and overpayment were all processed on XXXX/XXXX/16. On XXXX/XXXX/16 Wells Fargo reversed the entire amount paid on XXXX/XXXX/16 telling me the loan payoff was coded incorrectly. The representative on the phone told me on XXXX/XXXX/16 the loan payment was being reprocessed and should be back dated to the actual payment date. In the meantime, Wells Fargo is telling me the same installment loan is past due and put a {$39.00} late charge on the account. On XXXX/XXXX/16 I called customer service to find out why the reprocessing of the loan payoff still had not gone through. I was told it was still in process. On Saturday, XXXX/XXXX/16 I went to the local branch where the original payment was made back on XXXX/XXXX/16. The personal banker called on this same installment loan and was told the payment was not made correctly. And that Wells Fargo is reprocessing the payment. This personal banker in the branch said everything was applied correctly on her end, so she felt this should be resolved and soon. Today, XXXX/XXXX/16 I contacted Wells Fargo customer service via phone again and was informed the bank check from the title company was returned for insufficient funds twice. We contacted the title company who confirmed verbally the check for the loan cleared their bank on XXXX/XXXX/16. Account numbers and check numbers were confirmed. Payments were due on this installment loan on the XXXX of each month. The loan is now XXXX days past due according to Wells Fargo. Yet I have a receipt with a transaction number proving I paid the loan IN FULL on XXXX/XXXX/16. This loan pay off was rolled into my current mortgage with Wells Fargo. So I feel they are trying to collect on the same debt twice and/or lost {$6800.00}! I keep getting told by Wells Fargo " we need to research this '' but no one can seem to get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I never took out a loan for Cash Net Usa and they began taking money out of my account. I never applied for one at Cash Net. Ever. I read the reviews and I can see others have had this happen.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have been harassed and falsely accused by XXXX a wells fargo manager. I did not know she was working at this wells fargo bank on XXXX XXXX XXXX XXXX al XXXX. I was opening me a new account because my old account was hacked supposedly which is what they told me. But i ran into XXXX when i was trying to fix my new bank account. While i was in the bank XXXX police officers came in i did n't know what was going on but i know now. I received a harassing and threatening letter from " XXXX XXXX '' a security agent from wells fargo but i did n't receive a letter until after i made a complaint. I did n't even know my checking account was closed until XXXX/XXXX/2015 and I was n't going to get my social security money. I found out XXXX has once again falsely accused me of harassing her, when their is proof i did n't even bother her. If wells fargo or XXXX had any sense they would had looked at the security footage and i was n't even bothering XXXX XXXX, and she made a false police report which is a felony. Wells fargo believed her side of the story and for the record i did not know that anything was wrong until i called on XXXX/XXXX/2015. I 'm getting tired of XXXX falsely accusing me and everybody taking her side. This is why my new account was closed based on her demand that i was harassing her and this XXXX believes her side. I have legal grounds to sue XXXX XXXX and wells fargo for false accusation and harassment from XXXX and the closure of my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016, XXXX 2016 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 2016-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Customer Service Rept. from Wells Fargo Home Mortgage called and wanted to know why I had filed a complaint against them " Why I DID That '' I attempted to explain to him but his voice kept getting louder and louder. I remained calm and told him I was dissatisfied with the detailed message they had left on my home answering machine. He seem very upset that I had filed a c/o. His tone & loudness of his voice was very frighting, I was afraid to answer the phone when I had next call fearing it may be him calling me back to harrass 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 2016-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On this day, XXXX XXXX 2016, I called Wellsfargo to close out my last checking account. After calling the bank in request to close the account. I noticed after 10 minutes that my account ( s ) were still open and accessible online. The account balance is {$0.00} with no balance owed. However under Transactions I show : " PAYOFF DEBIT, NON-INTEREST WITHOUT FEE ''. When I called wellsfargo back to have the online account access deleted/cancelled/removed and ask for a cancel/closed account receipt ; the bank refused to assist. The bank customer service transfer me to a supervisor by the name of : " XXXX XXXX '' who repeated that the bank would n't assist with sending me a cancel/closed account receipt via email, fax or USMAIL. I informed her that this is the reason why I 'm leaving Wellsfargo. ( This request is reasonable and is doable in the branch. ) I informed her that I would be filing a complaint as nothing I 'm request is unreasonable. I 'm trying to protect my identity the bank, Wellsfargo, has refused to take steps to protect me as a consumer and this is the reason for this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Throughout my professional relationship with Wells Fargo, I have been completely taken advantage of and insulted every step of the way. XXXX years ago I was bullied and tricked into getting a credit card with Wells Fargo that was disguised as a rewards card. Throughout that time I had been accumulating late fees and interest that has now totaled close to XXXX dollars. I had been making small minimum payments to take care of the roughly XXXX dollars I had actually spent on the card, but it was accumulating too quickly to keep up. I was unaware from the beginning that interest would be involved in my account, as the salesman used aggressive and unheard of sales tactics that proceeded further after I originally said no. I also had a debit card with Wells Fargo that I cancelled due to terrible customer service on multiple accounts of fraudulent activity on my account that were improperly dealt with. Wells Fargo has tried to contact me to resolve the debt on the " rewards card '' and offered me a settlement of XXXX dollars. When I refused with the wish to not pay any late fees or interest fees, they escalated me to a corporate resolution " expert '' who took XXXX days to offer me a settlement of XXXX which is HIGHER than I was originally offered. They audited my account and reported to me that they had found inappropriate communication with me and XXXX of their sales team and " apologized '' for it before insulting me with their resolution offer. I have been continuously disappointed with their services and tactics and wish to join XXXX of the many lawsuits against this horrendous excuse for a company. XXXX XXXX " resolution expert '' is the guy I spoke too who told me that I am not eligible for the audit regarding fake accounts. I am interested in learning more information about where I can go with this. I have sent him an email requesting all alleged signed documents where I spent money on the card as well as a copy of the original agreement. Please let me know how I may proceed. 

Thank you 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 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: VT

Complaint narrative:
My mortgage loan, serviced by Franklin American Mortgage Company was SOLD to another mortgage company WITHOUT ANY NOTIFICATION to me. 
They sent me my bill due on XXXX XXXX, 2015, and I sent in a check at the end of XXXX as usual. On XXXX XXXX ( today ) I got a bill from another mortgage company, XXXX - just a bill with no notification of mortgage sale. That bill is now late. 
I got absolutely nothing from Franklin, and nothing from XXXX, until today, XXXX XXXX. I called Franklin to complain, they said XXXX letters were sent out on XXXX XXXX, XXXX and XXXX. I DID NOT receive ANY of these letters and the customer service person suggested I check if there was a problem with my mail? That sounds fishy to me. I receive all my mail, I open it all, and ESPECIALLY if mortgage-related because I 'm aware that a sale can happen at any time. 
Franklin needs to take responsibility for their failure to notify. This is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
The issue is that the second XXXX incurs a more restrictive if not inequitable requirement that the home be available to us and indefinitely not rented out whatsoever. The owner occupant requirement is to reside there for one year. Attached is the second home rider and the original security instrument ( paras XXXX and XXXX ) that the rider replaces. If this is a standard XXXX XXXX XXXX document, then request Wells Fargo provide a signed letter that allows us to rent out the home after one year of possession or propose a resolution to address our concerns. 

It is also our informed opinion that the second home rider should have been disclosed and explained before closing. To say we had a three day right to rescind is a poor substitute for untimely notifications of material fact and overall poor loan management and communications.

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 2016-11-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have a line of credit through Wells Fargo Credit Card company. Due to a loss of a job I was unable to pay my account. I reached an agreement with them once I was able to start making payments which I have been making on time for over two years. They are reporting on my credit report that my monthly payment is the current balance due which is incorrect. I pay XXXX per month, my current balance is XXXX. I called to ask them to fix this as it is effecting me getting a car loan etc as it shows I have a monthly payment with them of XXXX. They refuse to fix this mistake until the balance is paid in full. I still have over 2 years of payments to make and this information is wrong and is impacting me on getting a loan for other things that I need. I have disputed this with all the credit agencies and they refuse to fix it since Wells Fargo saying the information is correct. I have contacted Wells Fargo on several different occasions, the last one being this evening and they refuse to correct this information with any of the credit agencies. This is just wrong on so many different levels and I want this fixed. They also have my account status as charged off which is not correct as I have been paying the bill for over two years with no missed payments. I have suspended payments at this time until they fix my current credit reports. I am just asking them to change the currently monthly payment to reflect what I am paying monthly and they refuse.

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 2016-09-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is my servicing bank. I noticed them that our loan will be resetting in XXXX and needed help. 
After sending all the info they requested they denied us a modification. We were not asking for a modification per say. In our hardship letter we ask for help with a refinance so we could continue to live in our home until property values improve in our neighborhood. 
Their are XXXX foreclosure in our neighbor and nothing is selling. 
Our home is considered a luxury home and this size home are not selling as this time. 
Wells has help us in the past, since we purchase the home in 2007. We have honor our agreement and have not been late, all taxes and insurance are current. We have not deed but Wells Fargo said we have asset we can sell, true but that is our retirement. That like telling us to take money out of our XXXX. 
The could if they chose too give us a refinance but they are making a lot of money off our loan. In XXXX our loan will increase XXXX XXXX dollars. Payment will go to over {$8000.00}. The only option they give me is a short sale. We put {$700000.00} down on this house and would like to sale when we can get some of our investment back. 
I have ask the bureau for help in the past but receive very little help. 
My desired resolution is for Wells Fargo to simple refinance our home for a XXXX arm at 3 % interest. This would give us time to sell and pay down our loan. 
Thank you for your time. 
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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 explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a XXXX 2017 statement showing XXXX separate ach debits of {$100000.00} from Capitol One 360 { a subsidiary of Capitol One NA }. 
The XXXX individual debits went to XXXX individual accounts at XXXX Bank where the ach transfers were initiated XXXX of the {$100000.00} deposits is missing and neither bank can locate the missing funds since XXXX XXXX, 2017 There were XXXX conference calls between the XXXX banks and myself each lasting over hour and a half with no result only promises of giving top priority to finding the funds.THE FUNDS ARE STILL MISSING It defies logic XXXX of the {$100000.00} debits below is missing. 
Apparently no receipt or proof of acceptance of funds is recorded in an ACH transfer?? In my opinion when banks lose funds and can not account where they are its criminal. They put the depositor in a XXXX situation forcing them to file complaints and eventually will have to pay for an attorney to get back THEIR money. I AM A XXXX XXXX OLD SENIOR ITS NOT FAIR XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX 2014 someone took money from my bank account at Wells Fargo. It took a year, but I finally found out that my granddaughter had done it. If I had known my granddaughter had done it I would n't have filed the report. I called Wells Fargo and told them not to prosecute my granddaughter that I would pay the fees from my checking account, but now they wo n't listen. My granddaughter then had a XXXX from the stress and still has court on the XXXX of this month. 
Please help me stop this. When I called Wells Fargo to drop the case they said they would, but they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I had XXXX accounts through Paypal Credit. I was shocked to receive a letter the other day saying I owed some money. I had previously contacted Paypal and was told my account balance was at XXXX. I thought everything was fine. This was the FIRST letter I ever received from Paypal. I did not know I had any kind of balance. I took care of it immediately and tried to reopen my account. Now, Paypal is refusing to open my account even though this was through no fault of my own. They told me I did n't owe anything and I believed them. I asked for a Supervisor today at Paypal thinking he could straighten this out. He said he could n't. I am extremely upset because I pay my bills on time every month. I am trying to reach someone at their Corporate office that will understand. I need to get my credit line reopened. Again, I called them and was told I had a XXXX balance. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 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 had an account with Wells Fargo in XXXX, CA ( on XXXX XXXX ) a year or two ago and closed it after noticing on my statements that the bank was charging me {$100.00} every time the Department of XXXX XXXX XXXX asked them to fill out a form regarding my account. The bank received XXXX of these requests in a XXXX month period-my statement was reading that I was overdrawn -- by a lot. I do n't feel it should be an expense of mine-I was not informed, anywhere in the paperwork they give you when opening a new account, that I would acquire this fee upon any paperwork needing to be completed regarding me or my account. I recently tried to open a bank account at the local bank in my area and was denied because of this situation. On the statement the bank handed me when denied, it reads that it was my fault : {$250.00} and reason for account closure is " Account Abuse ''. This is not right on so many levels. Please let me know how this can be rectified and both parties can move forward from here. Thank you for your time.

Company response to consumer: Closed with explanation