vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I cosigned a private loan through XXXX to help my step son get a secondary education ( contingent on not having any financial responsibility for the loans ( My step son, his mom and his dad agreed to this ) ) XXXX transferred the loan to Navient to service. Upon graduating from college my step son did not make enought money to cover the monthly payment for all his Federal and Private student loans. In XX/XX/2012 we contacted XXXX/Navient to set up an income based payment plan so that he himself could afford to make the payment each month on time without undue hardship. XXXX/Navient refused and would only offer to allow him to make interest only payments for two years. Feeling that there were no other options he ( with the help of his Mom and Dad ) complied and they collectivey made interest only payments on time each month for two years. My step son has always had a job, decent credit and was making the payment on time each month. He requested XXXX release me as the cosigner for the loans - they denied his request citing he did not meet the requirements but they would never disclose what the requirements were not met. After the interest only two year period was up the monthly amount due doubled. We made several request to Navient to lower the payment to something management that my step son could afford to pay each month with undue hardship. Navient took income statements from both of us on more than one occassion and then declined to lower the payment again. My step son and his father stopped making payments which forced me to liquidated assets and take on a part time job to keep up with the high monthly payment. My step sons mother and I made sure the payments were made on time each month for 2 consecutive years as required to release a cosigner. My step son submitted a request to lower the payment and have me released as the cosigner again and that request was denied again. I lost my part time job and could no longer afford the monthly payment. Navient refused to work with me to make an affordable monthly payment arrangement I fell behind and XXXX of the XXXX loans is now in default. As the cosigner I was investested in ensuring the loans were paid on time each month to protect my credit. Navient demanded an unaffordable loan payment each month, I advised them of my financial situation yet they were unwilling to work with me on any level. They began calling me daily sometimes up to 7 times a day demanding payment and threading to sue me. Navient used deceptive practices by denying us an income based repayment plan. Now XXXX of the loans is in default the other is on its way and my credit is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Contemporary Recovery Solutions Inc.
State: AZ

Complaint narrative:
Harrassing me at work, telling my co-workers that I have a legal issue ... ..that I need to call ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I took out credit card through Wells Fargo to pay for engagement rings at XXXX XXXX. I never received paper statements, so I would just call and make payments by phone. when I called and made payments representatives of Wells Fargo would tell me my next payment was due in two months. At the time I found this a little odd, but had miss placed my contract so I continued to pay that way. Not receiving any paper statements or late payment notices this went on for about a year. Recently XX/XX/XXXX I called to inquire about my remaining balance, to my surprise it was very close to my original balance when I first bought the rings. I spoke with a supervisor at wells fargo and she said my balance was high because of my late fees and because I had missed their promotional one year no interest so XXXX % had been added on. I explained to her what I had been told on several occasions about paying every other month. Wells Fargo said that is not their policy and they were sorry if someone misinformed me. I requested that she look back through recorded conversations, ( which they warn about every time you call ). It took a week to get back a hold of this supervisor in which she said non of my transactions had been recorded. I took it upon myself to record our conversation as well as another Representative in which the XXXX have contradicting information regarding how my payments work. I thought about contacting cfpb, but then I decided I will just pay my remaining balance but then it jump up once again and I can no longer stomach them doing this to me or anyone else. I just want to pay what I originally owed.

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 2016-12-19 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:
On Saturday XXXX XXXX, 2016, I called the toll free number to Wells Fargo to activate my new debit card. Upon entering my new card number, the next automated response I received stated that my card is now activated and ready for use. I was a bit appalled that the automated system did not further authenticate my information, which raised a concern for my privacy/security. On that same date, I sent an email to Wells Fargo customer service stating my issue. My main concern was that since no additional account information was asked to verify my identity, that basically if my card were to be lost in the mail, anyone who retrieved it would have been able to activate the card and use it. On Monday, XXXX XXXX, 2016, I received a response back from their customer support. The representative explained the process and I felt good about it. However in the response, the representative provided to me a phone number that " was on my profile ''. To my shock, the number that was provided to me was NOT my phone number. Wells Fargo had provided to me another customers phone number. This has further raised my concern for my privacy/security. How do I know if that same representative provided MY information to another customer? This is a very concerning issue to me. The additional responses I had received from Wells Fargo customer support have not been satisfactory at all.

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 2017-03-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo Personal Credit Card ( including all other consumer products ) forcefully required all consumers to change their user profile and passwords in late XXXX - early XXXX without the adequate provision for consumers to retrieve their information in the event they got stuck, forgot their tangible card. This change got me locked out of my account a few many times causing delays in my credit card payments. Upon speaking to WF on the third lock down and one delayed payment, no action was taken to rectify this and I was recorded with a delayed payment on my credit score. I want to take legal action on WF for not providing consumers with provisions to retrieve their information at any given point in time. Security robustness can be provisioned without inconvenience.

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 2016-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: NC

Complaint narrative:
A person from Security finance from XXXX Georgia went to.my former landlord asking where I live then to my present landlord. She then came to my house banging on doors and Windows yelling

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 2016-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Please sanction Wells Fargo Home Mortgage. As I approached the end of my Mortgage Obligation, including a point when the funds in " Our '' escrow account were sufficient to retire the Principal ( including any related " nuisance '' interest for whatever number of days of interest Wells Fargo Home Mortgage could conjure for its administrative delays ) -- yet, payment demand continued. Then, with a final insult of a colloquially-known " Loan Payoff '' form letter from Wells Fargo Home Mortgage, it adds the audacity of " we require the loan to be paid in full. '' This despite the fact that this same form letter shows a dollar figure of " Your Escrow Balance '' -- as in " my '' ( " my money '' ) which pays not only what was demanded therein but would 've covered the principal pay-off, accumulated interest, and associated conjured fees from the statement preceding. Yes, this likely only happens for a borrower one time in a loans ' lifecycle -- but, I neither have any control or recourse. It is only " my '' Escrow Balance when it is convenient for Wells Fargo Home Mortgage to label it as such. Instead to the very end, I am supposed to pay-in on a deadline with consequence, while the return of the Escrow Balance when all is done and said will take its time and will be at no risk of consequence in the event of Wells Fargo Home Mortgage delay or error. I submit this first-off to get a Case Number, so that a record of some sort exists when Wells Fargo Home Mortgage fails to perform what they indicated will be done, which is to apply monies from the Escrow to close-out the Mortgage Loan, before sending the balance of unused Escrow to me. 

In the larger sense, I ask why, would not the forward calculations be made to automatically apply the Escrow Account balance when the Principal, Interest, and pending or anticipated Escrow-covered-disbursements net to zero -- send that as a notification ( perhaps even with a pending period equivalent to whatever policy-based delay the Mortgage Lenders currently have built-in before returning " unused '' Escrow Funds ). In this way, administrative overhead for the Mortgage Lender, and Customer inconvenience of arranging pay-off would be effectively eliminated. XXXX imagine that, ... the Mortgage just ends saving at least two unnecessary exchanges-of-funds. Recall that the Mortgage Lender has all of the information and control -- all I get is the " of course '' when something is screwed-up!

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 2015-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am in the middle of a chap XXXXbk and have been making my payments ever month, however wells fargo has not applied any payments to my account from XXXX2014 until now. I have been calling every month and they will not tell me what is going on and why they can not tell me why they have not been applied. the funds are sitting in a holding account. so when i filed my taxes the interest paid was not correct. I have ask many times when the funds will be applied and they will only tell me that this is going on with more then just my account. currently they are holding XXXX in payments. Please help me to get this cleared up. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I originally submitted a fraud claim with Wells Fargo bank in XXXX of 2016. Wells Fargo denied my claim because they said that I continued to pay my bill so the charge was valid. I had never heard of the company, and I pay my bills on time, so I let them know that I had never had any interaction with the company in question. The denied me again. After the second denial, I asked reached out to the Consumer Financial Protection Bureau. Wells Fargo responded and said that I should contact the company directly and when I have more evidence, that I should furnish them with it. I did contact the merchant who billed me via email. They told me that they did n't have any record of doing any business with me. I then sent this email thread to Wells Fargo so that they could correct my account. They did not. Wells Fargo has a {$0.00} fraud liability for clients, and this merchant has no record of doing business with me and I have no record of doing business with 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 explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo Dealer Services keeps placing insurance on my vehicle after I have provided proof of insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I borrowed {$480.00} and now I 'm expected to pay back quadruple that amount. 
i.e. : XXXX from XX/XX/2016 until XXXX 2016 I 'm XXXX, on a fixed income, this is PREDATORY LENDING at it 's finest. 

WHO IS MAKING ALL THAT INTEREST ON THIS MONEY! IT 'S REALLY A SHAME BEFORE GOD!!! 

Also while checking for the link to try and pay off early, it 's not there, but I did discover there was another loan pending online there, ONE ; I DID NOT APPLY FOR, but NOW, IT 'S GONE! I SCREENED SHOT A COPY TO ATTACH TO THIS COMPLAINT! 

I do believe someone is committing FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I had sold my home, which had a loan serviced by Wells Fargo Mortgage in XXXX of XXXX. The person I sold it to had fraudulently misrepresented himself and did not pay off the mortgage. When I realized what had happened, I contacted Wells Fargo and reported the problem. They said they would look into it. A few months went by and nothing had happened. I then found out the FBI had arrested the " Buyer '' and charged him with mail fraud, related to the scamming of dozens of homeowners out of their homes. I contacted the XXXX and gave a statement, in which I was then entered as a victim to the crime. During this process, I was passing all of this information to Wells Fargo, XXXX Office of the President. Many more months went by, where Wells Fargo claimed they were looking into the issue. 

Finally, In XXXX XXXX, Wells Fargo made a determination. Unfortunately, they determined that the case was not related to fraud. I had asked how they made this determination prior to the courts and no response was given. 

In XXXX of XXXX, I received a copy of the judgment and restitution for the XXXX. A judgment was issued to Wells Fargo for the balance of the mortgage to be paid by XXXX XXXX. I spoke to the Victim Witness Coordinator who also sent a letter stating that I was not responsible for XXXX actions. 

After receiving the documentation, I contact Wells Fargo again and asked them why they foreclosed on a house they received a judgment for. That was in late XXXX, XXXX and it is now the middle of XXXX, XXXX. More than a year of asking Wells Fargo to look into this issue and nothing has happened, except for the destruction of several families lives and credit.

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 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This acct is reflecting as in Dispute on my credit bureau, which I have never disputed. I need to have this dispute removed immediately. I attempted to call ASC and spoke with XXXX XXXX XXXX XXXX on XXXX/XXXX/15 @ XXXX who advised due to the age of my account no one could assist me over the phone. It is unfair that they have purged my account and no one could help. All he could advise was I needed to write in to have this taken care of, I do n't have the time to wait for them to correct their mistake. This account needs to updated according to the Fair Credit Reporting Act as it is NOT in dispute, nor has a dispute even been initiated by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
SECOND COMPLAINT - Please see Case number : XXXX. As first one was never addressed by Wells Fargo Home Mortgage. 

I am XXXX, recovering from a XXXX. This is the reason for me not submitting this complaint in XXXX. 

I received a letter from Wells Fargo on XXXX/XXXX/XXXX, stating my payment would increase to {$1400.00}, as my escrow account has a {$2200.00} shortage, which is false. I pay {$410.00} per month for Escrows, which equals {$4900.00} over 12 months. My taxes are {$4100.00} for the year, with hazard insurance of {$560.00} ... paid by Wells Fargo in XXXX XXXX. Taxes were paid by Wells Fargo on XXXX & XXXX each totaling {$2100.00}. 

Combining equals {$4700.00}, and I paid an Escrow amount of {$4900.00}. .. I 'm being billed for something XXXX XXXX Loans agreed to waive, under Ancillary Monthly Payment included within my modification of {$0.00}. 

I have attached correspondence I have received from Wells Fargo regarding this matter. I received XXXX letters, first from XXXX XXXX, XXXX XXXX ( dated XXXX/XXXX/XXXX ), saying they receive the complaint and they expect to have the results of research on XXXX/XXXX/XXXX. 

On my first complaint to XXXX, Wells Fargo stated they needed an extension as they could not contact me. This was false information. 
I received XXXX calls, and messages, and I returned all XXXX calls and left messages, after speaking to a Wells Fargo representative, saying they received the complaint. 
( Calls recorded by Wells Fargo ) Completed Modification - XXXX, XXXX on behalf of the current investor - XXXX XXXX, XXXX Loss Mitigation Manager. Signed XXXX/XXXX/XXXX. Account # XXXX Modification Interest Rate - 4.00 % Modification Interest Only Payment - {$850.00} Monthly Escrow Payments - {$390.00} *Ancillary Monthly Payment - {$0.00} Total New Monthly Payment - {$1200.00} First Modification Payment Date XXXX XXXX/XXXX/XXXX *Ancillary Monthly Payment : This included some or all amounts that Servicer has advanced for real property taxes, insurance, water liens, or other amounts that may have become due with respect to the Property. Servicer has spread the repayment of Ancillary Amounts over a period of XXXX ( hand-written ) months. 

Correspondence on XXXX/XXXX/XXXX from Wells Fargo. The transfer of servicing will not affect any term or condition of the mortgage.

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 2015-10-31 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal refuses to give me statements for my account. They have taken away access to my account. I have no idea on purchases that were made on my account, because they are withholding statements. I am hereby refusing to pay now since they refuse to tell me anything about my account. I have supplied them with my identification like they requested before but still nothing. I am attaching identification again with this. If any negative activity appears on my credit report I will pursue legal action with the courts against Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I Have been attempting to get reviewed for a loan modification And have submitted a complete package but I am not getting answers or any communication from our single point of contact XXXX XXXX at extension XXXX even through several messages on her machine and have spoken to other home preservation specialist XXXX with extension XXXX and claimed he would send a message for our SPOC rep to contact regarding the modification. At this point I am desperate, I am afraid ASC/wells Fargo is setting me up to lose my home. Please help me get through this tough time with the servicer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was included in the XXXX VS Wells Fargo Settlement. I received XXXX checks for {$110.00}. As soon as I received the checks I went to my local Wells Fargo branch and asked where the checks valid. I was told yes and deposited the checks in my account and to have the checks returned - as refer to maker and charged XXXX return check fees. I called the Wells Fargo customer service number and they said the could not explain and to take the checks back in the local branch. It took over an hour in the branch for the rep ( who was the same rep that I asked if the checks were valid in the 1st place ) to figure out that the check was cut a date from XXXX was and said void if not negotiated in 65 days of issue. She gave me a number to call to have the checks re cut- I called and they say they can not re cut the checks - even tho I just received the checks.Well after the 65 day time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells fargo refusing to issue statement for auto loan itemizing fees and interest never received statement called several time all 4 reps were unable to provide resolution or explanations

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