vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We fell behind in our mortgage. After 3 months we were told that we could n't make any payments until we had the full amount owed. Since then we have tried applying for making home affordable which from my understanding we did n't qualify for. Then they offered us a streamline modification which mathematically made no sense. To me it seemed borderline criminal. We were also told to just go ahead and make trial payment to keep our house out of foreclosure, which I do n't know if I can believe.

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 2015-08-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had submitted a complaint regarding my mortgage with my lender Wells Fargo/America servicing company. Hard times had fallen on me m husband died and then my daughter had an terrible accident. I had fallen behind in my house payments by {$5000.00}, and wanted them to work with me, but they would n't, I complaint to you and then Wells Fargo called me. They said they would be sending me a letter with items they needed to modified. What I received it the mail we a letter stating my property value had gone up according to their drive by appraisal and the com parables in my area.I thought they have n't seen the inside there are damages and deferred maintenance and even structural damage due to the water leaks under the house.I called Wells Fargo the home preservation specialist that sent that appraisal she never respond to my many of messages. finally I spoke with someone in that department I was then told my file was transferred to a new home preservation they did n't know who it would be but that the new specialist would be contacting me. I have never received a phone call from the new specialist, when I call I speak with an operator. Time has past because of this and I currently own Wells Fargo {$20000.00}. which I have {$17000.00} of it. I do have a sale date scheduled for XXXX XXXX. Ido not want a foreclosure i would love to save my home and live here and repair it, but if that is not possible I rather Short sale rather then foreclosure. Because I have not been able to get a response from Wells Fargo I did sign with a realtor to do a shortsale but they are not working with her either.Please help please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Va XXXX Dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove the unauthorized inquiry from my XXXX credit profile franklin America XXXX/XXXX/XXXX YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am unable to find a link where I can dispute an ongoing case and thus do n't want to lose my ability to turn in documents that would support my dispute of actions that the bank, the object of my complaint, purportedly undertook. My case number is XXXX. My name is XXXX XXXX. My email is XXXXXXXXXXXX

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 2015-10-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Dear Investigating officerFollowing up on my phone conversation with your agent, I am filling a complaint against Wells Fargo in regards to my car loan. The statement I receive from them does not include how my payment is being applied between the principal and the interest, and any fees if applicable. I have reached out to them to request a more detailed statement, and was advised that they can not send any different statement that the one I currently receive with the limited information. I believe that such operations are not only unethical but break the law, more precisely, the Act of 2009, signed into law by President XXXX Obama - Public Law XXXX -- the Accountability Responsibility and Disclosure Act of 2009. 
Thank you and kind regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Integrated Recovery Services
State: CA

Complaint narrative:
INTEGRATED DEBT SOLUTIONS HAS BEEN CONTACTING MY FAMILY MEMBERS ON A DAILY BASIS. BOTH MY MOTHER AND SISTER HAVE RECEIVED UP TO 6 CALLS PER DAY. XXXX XXXX IS LEAVING VOICEMAILS REQUESTING FAMILY MEMBERS RETURN HER CALL TO PROVIDE AN ADDRESS OF WHERE I CAN BE SERVED FOR A DEBT. 

I HAVE CONTACT THE COMPANY AND VERIFIED THAT THEY ARE REQUESTING PAYMENT FOR A LEGITIMATE DEBT THAT I OWE. I ADVISED I WOULD SET UP A PAYMENT TO RE-PAY, HOWEVER ONCE I PROVIDED MY PAYMENT INFORMATION OVER THE PHONE, I HAS SECOND THOUGHTS ON PROVIDING TO THIS UNKNOWN 3RD PARTY COLLECTOR. 

THE COLLECTOR HAS HAD AND HAS LEFT NUMEROUS VOICEMAILS ON MY PERSONAL PHONE AS WELL AS MY WORK VOICEMAIL AND I HAVE BEEN IN CONTACT WITH THEM DIRECTLY. AS THIS ADMINISTRATOR HAS MY PERSONAL CONTACT INFORMATION, THERE SHOULD BE NO REASON FOR THEM TO CONTINUE TO HARASS MY FAMILY MEMBERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My XXXX-year-old daughter 's debit card was used fraudulently beginning on XXXX XXXX, 2015. 
While the bank - Wells Fargo - stopped all subsequent debit card charges that day to taxis, additional subsequent fraudulent charges were permitted by Wells Fargo to a number of fast food outlets and discount grocery stores. As soon as the funds on the debit card were depleted, Wells Fargo withdrew a total of {$270.00} and XXXX {$12.00} overdraft fines from my daughter 's savings account. The fraudulent charges at locations ( XXXX and XXXX ) and businesses ( fast food chains and discount grocery stores ) were inconsistent with my daughter 's spending patterns. We live in XXXX. 

I became aware of the fraudulent charges on XXXX XXXX when I uploaded transactions on XXXX, discovered the fraudulent charges and contacted Wells Fargo to shut down the card. Wells Fargo promptly refunded the full amount of fraudulent charges and bank fees. However, my specific complaint is that the bank 's fraud detection system identified and stopped fraudulent charges on XXXX XXXX but even two days later the bank neglected to : ( 1 ) alert my daughter that her card was being used fraudulently ; ( 2 ) stop subsequent fraudulent charges ; ( 3 ) stop overdraft fines ; and ( 4 ) stop fraudulent withdrawals of funds from her savings account to cover fraudulent overdrafts. Additionally, no one at the bank was willing or able to provide contact information for the consumer protection complaint I wished to file with government regulatory agencies, which again seems highly unprofessional and inconsistent with the intent of federal consumer protection law. 

Failure to notify us and also to stop fraudulent charges after an initial instance of fraud is well below the standard of practice for credit card companies. I believe that fraud prevention systems and practices should be even more responsive for debit cards given that the funds are immediately withdrawn from accounts. I am submitting this complaint because I believe Wells Fargo has an obligation to improve its fraud detection systems and staffing so that consumers receive same-day notice of suspect debit card fraud. Additionally, I believe that all banks ( not just Wells Fargo ) should be obligated to provide ( upon request ) accurate and timely information about government agencies established for consumer protection and to receive consumer complaints.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have been trying to obtain a mortgage discharge for an old paid off mortgage and Citizen 's Bank ( formerly RBS Citizen 's has repeatedly lied about taking care of this. They first promised two weeks, then thirty days, then more time. They are holding up the sale of a property. State law here in Massachusetts requires them to respond in thirty days. 
After a loan is paid in full the bank is obligated to issue a discharge. As this is not a profit center the bank is not providing staff to meet its obligations. 
I am an attorney representing the buyer. The seller has had no success going into the branch and asked me to help. I made a written request for a discharge in XXXX. If I, as an attorney, can not get a discharge, imagine how frustrating this must be for peo

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I accepted a short term offer around XXXX to use my existing Visa card, with a balance of only XXXX dollars, up through XXXX time with no interest charges for six months. I charged XXXX during the period. Then I made quadruple the minimum monthly payment until I paid the balance off last month. They did n't charge me interest labeled as interest per se : they charged me a {$1.00} FEE per month labeled " minimum interest charge ''. In my dictionary " no interest '' means no fees, by any name, for the use of money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo talked me into making bi-weekly payments on my mortgage. I noticed that the interest on my loan was only adjusted " monthly ''. When I called and complained, I was told " that 's how we do it ''. So ... they talked me into holding my money for 2 weeks while " they '' accrue interest on it. I feel that possibly thousands of people, like myself have been talked into this scam. We should all get credit for interest lost and compensation for their scandalous actions.

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 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
So they are back at it!!! I spoke with a employee at my sons bank to understand how my son cashed a check I wrote to him could be presented on XXXX XXXX when I clearly gave him the check Saturday XXXX XXXX,2015 I saw the copy and realized I dated the check incorrect I thought Saturday was XXXX XXXX instead of XXXX XXXX ... Wells Fargo saw the date on the check and hit me with a {$35.00} overdraft fee!! The check was cashed on XXXX XXXX!! The funds were avalible on XXXX XXXX!!! I am disgusted with these sneaky tactics!!! And when I tried to click on the check image the Well Fargo site wo n't allow me to view the image

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I have a mortage with SLS and I and begin force into a foreclosure. I have been trying to do a loan modifcation with no succes, I would send in my documents and when I can they would put me on hold never answer my call, or they would hang the phone up on me. I have tried and tried I even tried to do a short sale there is no working. I am being force out of my house rhat I have with me and my kids, on to the street in the cold. And SLS is being allowed to get away with it, I dont know what to do at this point Im in a loss, loss situation. Sls do not need to be in business, I have been lied to and I am begin force out my home for weeks, I would send in paperwork that they say they never receive, deceive and lied to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I have tried, since the beginning of my car loan, to have Wells Fargo Dealership take a monthly car payment out of my bank account. I filed a complaint with Consumer Financial Protection Bureau and Wells Fargo contacted me and put a payment behind my loan, but had various reasons I could not have a direct debit taken from my bank monthly. I also asked for a payment history to be sent to me monthly, showing payments, and principal status, but that did not happen. I do not receive loan payment books, not loan payment history. I asked for a refinance to lower the interest, but I was told I was not eligible. I asked for late payment fees to be decreased, but they continue to follow my loan, increasing as the loan continues. 
Please will you help me by : inquiring what my interest on this loan is, why it can not be lowered, why I can not have a monthly payment debit taken from my bank, why I can not have a payment history sent to me monthly showing my payments taken off the principal? Can you inquire what my late payments are adding up to? Will you help me get a lowered monthly payment that can be taken out of my bank account? 
I purchased my car in XXXX of 2013 and I have felt in the dark since I made my first car payment. I sent it to the address on my contract, and was later told by Wells Fargo Dealership that it went to a non-existent address. That started my late payment fees. 
I wrote a letter of hardship last year to Wells Fargo telling them that I was taking care of my XXXX year old mother, and having a difficult time financially. I need the car when I transport my mother to medical appointments or if she has an emergency. I requested their help with this loan by giving me full disclosure regarding my financial history with them, my options for refinance and lowering my interest, and/or lowered payments due to hardship. 
I recently sent the bank a check from my car insurance company for {$3000.00} to try and help me catch up with this loan. The check was made out to Wells Fargo Dealership and myself. I received the check for car repairs, but my family is helping me fix the car. When I sent the check, I asked for a payment history again. I asked for help with the loan. Wells Fargo Dealership has not responded to me. 
When I talked with representatives in the President 's office, I complained that the loan officers were rude on the telephone, being threatening, harassing, calling every day, and I requested them not to call me. I requested contact by e-mail but that was denied due to procedure. I have requested full disclosure and correspondence by snail mail, but that has also been denied to me. I feel frustrated, like I have been in a no/win situation since the beginning of this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I took out a car loan of {$5000.00} from Wells Fargo XX/XX/XXXX. I have made monthly payments, including a {$3500.00} payment XX/XX/XXXX, towards the balance due under the loan agreement. I am disputing the application of my payments to unaccrued interest instead of principal. The amount that should have been applied to principal instead of interest over the past year is {$86.00}. I have called the Bank, I have gone into the Bank and talked with a loan officer, and I have written XXXX letters. The last letter I sent was on XX/XX/XXXX and I have received no response nor have they corrected the error. Is this the type of matter the BCFP can help me with? I am on Social Security XXXX and only make {$20000.00} a year, so this is a big deal for me while I 'm sure it is an insignificant one for the Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello, I applied for a mortgage loan with Navy Federal Credit Union - and I pulled my Experian Credit report which gave me a score of XXXX - based on this I applied for the Mortgage and Navy Federal is saying my score is XXXX, which is not correct and they increased my interest rate by 2.625 % from their initially quoted website rate of 4.0 %, which increased my qualifying ratios and now I am not able to afford the house anymore. 

I feel truly depending on the numbers which may not be correct and not even matching with XXXX 's report is not fair and which made it unable for us to be able to buy the home we wanted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 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: MA

Complaint narrative:
Greetings, I will keep it concise as possible. I 'm a XXXX from XXXX College based in XXXX, MA and Wells Fargo Education financial Services is XXXX of my private student loan lenders. I have been underemployed since graduation and they are aware of this though I have always maintained my payments until just recently where I am falling behind because of my multiple other loans, my gov't payments increasing, plus rising cost of basic living expense. I have tried for many years to either consolidate or refinance my loan with them but even despite a time when I had good credit and good payment history, they declined me because of my other student debt. Now I can accept if they are not willing to do that as they are a private company and its their discretion, however, as indicated on my attached statement, I strongly object to the XXXX monthly late fees I am being charged for struggling to make my payments which now add up to {$60.00} not including past fees. 

I feel something needs to be done. I have done everything I possibly can to keep up with payments, I still live with parents, sold my car for a cheaper XXXX, limit how much I eat and considering the interest I have paid WF total and the fact they have no refinance options for XXXX these fees are unacceptable and wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This is in regards to the Navy Federal settlement. I was affected by their debt collection practices over the course of several years dating between XX/XX/XXXX-XX/XX/XXXX. My account access was frozen now allowing me to log in and pay debts. Additionally, just recently, they have not reported a consumer loan as " paid '' on my credit report. The loan was paid off XX/XX/XXXX. My credit reports still reflect " 60 days past due '' which was in dispute to begin with. I was making monthly payments on the loan but somehow it still fell behind 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
UNFORTUNATELY -- MY HUSBAND AND I HAD TO FILE A CH. XXXX BANKRUPTCY IN 2011. 
ON ADVICE OF OUR ATTY ; WE DID NOT RE-AFFIRM THE LOAN WITH WELLS FARGO AS " SERVICER ''. SINCE, I HAVE KEPT THE LOAN CURRENT ; EXCEPT FOR A 3 MONTH PERIOD WHEN I WAS ATTEMPTING TO GET A " HAMP '' MODIFICATION. AT THE TIME OF APPLICATION, WELLS TOLD ME TO BE ELIGIBLE, THAT I HAD TO MISS XXXX PAYMENTS. 
SO, MY ISSUE WITH WELLS IS TWO FOLD REGARDING CREDIT REPORTS : ( 1. ) THEY CONTINUE TO SHOW XXXX MISSING PAYMENTS -- EVEN THOUGH WELLS TOLD ME TO DO SO -- AND -- THEY DO NOT ANSWER THIS WHEN I WRITE -- THEY ONLY SAY PURSUANT TO THE FDCPA ; AND ( 2. ) AS STATED, WELLS DOES NOT/WILL NOT SHOW THAT I KEEP PAYMENTS CURRENT. AGAIN, THEY STATE BOTH THE FDCPA AND CALIFORNIA FDCPA. 
THEREFORE : IS WELLS WITHIN THE LAW BY ( 1. ) CONTINUED REPORTING THESE XXXX MISSED PAYMENTS ; AND ( 2. ) IS WELLS WITHIN THE LAW BY DENYING THE FACT THAT I MAKE PAYMENTS ON THIS LOAN -- EVEN WHEN I ASK THEM TO REPORT? 
THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAL. XXXX FORMERLY : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CAL. 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 2016-08-20 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
The lender Cashnet USA explained that the payments based on my credit line would be {$95.00} per week. The first 2 payments were {$95.00} then increased to over {$230.00} per month. I tried to contact them to discuss but was on hold for over 2 hours. Also request a call back. I received a call back in 10 minutes ans was put into an automatic voice recording and on hold for another hour

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My loan has been under 78 % LTV and I have requested in writing twice for Wells Fargo to drop my PMI coverage as the Homeowners Protection Act of 1998 states. They refuse and state I have to have it for 5 years. I have been under 78 % for more than 3 years. They state I have to be under 78 % and seasoned 5 years.

Company response to consumer: Closed with explanation