vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On XX/XX/2016 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please validate this debt as required by the Fair Debt Collection Practices ( FDCPA ) Act 803 definitions 15 USC 1692. I have sent them XXXX letters certified mail on XX/XX/2016 and XX/XX/2016 ( attached ), and disputed online with XXXX. This is not a valid debt, and Diversified Consultants , Inc did not investigate nor give me any proof that is a valid debt. I have an unverified account from # XXXX I have previously disputed this account. I have never done business with diversified consultants. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 807 { 15 U.S.C.1962e }, which requires them to send me validation containing my signature for the debt owed to them within 30 days of the receipt of my letters they signed for them on XX/XX/2016 @ XXXX and on XX/XX/2016 @ XXXX. I dispute the validity of the debt purposed that I owe. I have already requested that diversified consultants provide validation of this account with competent evidence bearing my signature showing that I have ever had a contractual obligation to pay them, and I also requested the following : 1.The original Application or contract to diversified consultants that states I owe them. Instead they have sent me a statement bill 2x this is unacceptable. And this is no form of validation. They also did not mark disputed within 30 days on my credit report pulled from XXXX on XX/XX/2016. They are reporting inaccurate information based on their bill that they sent to my address as a response. On my credit the total due is {$450.00}. and on their bill response the total due is $ XXXX is my last and final attempt to allow them to remove this account permanently from all credit bureaus before I file a claim in small claims court in Georgia where I live, for $ XXXX. I want this removed off my credit report at once! It is causing me great financial hardship. I will be attaching all documentation with complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: SD

Complaint narrative:
I called to make a payment on my card today, and was told it was {$120.00}. I spent an hour on the phone trying to get the woman to tell me why it was {$120.00} today. Finally a manager gets on the phone and tries to tell me that he listen to the last conversations I had but lied and said I knew that I owe the past due amount 's and that I was in collections which is false finally he said that I had no choice but to pay the minimum of {$75.00} that was due today I was a palled because the previous woman told me it was {$120.00} today neither one of them could come up with any excuse as to why I owe these amounts I made the payment so I would n't get any more late charges but this is a fraudulent scam these people just add on amounts neither one of them New my actual payment due was for today I have recorded the call and I 'd like to email that call to you. Finally every time I call I 'm told is different amount is due when I pay that amount the next month they tell me that was n't enough so now you owe extra and our fees this is a scam. Also I 've never received one statement in never received one statement in the mail. Please look into this and let me know where I can send the recording they trip all over themselves backtracking trying to come up with reasons why there 's fees what the fees are for and how much they are it takes her an hour to try to just tell me that. They put me on hold for long periods of time I was on the phone perhaps two hours it seems like. Unprofessional and seems to me like a scam or somebody scraping money off the top. 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 2016-09-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo sent me a credit card with XXXX limit. Even though there is no interest on the money owed [ I transferred a balance from another account } until XXXX 2017 I have never been told what the interest rate will be.

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 2015-12-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Local branch manager has not responded to my request on XXXX XXXX to remove all auto drafts from my Wells Fargo accounts to other linked Wells Fargo accounts. The auto drafts continue to automatically attempt to transfer and create overdrawn accounts and excess insufficient funds and fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I originally submitted complaint : XXXX - the company ( Wells Fargo ) has never responded correctly and now many other issues are present. The latest letter they sent me is attached, as well as the statement that I requested. Here are the big issues remaining and now present : 1 ) I have never been 30 days late, so why is there a late fee on XXXX? 
2 ) What is the additional {$10.00} fee on XXXX? 
***I am requesting those fees be removed given the length of this issue and the fact that I have never been 30+ days late paying. 
Additionally, 3 ) My financing was for, I believe, 5.6 % - but from the statement, I can see that Wells Fargo has been charging me over {$100.00} in interest on many months, and then some months much less. This is not ok - and must be discussed ASAP. Explain why the monthly payments and the interest fluctuate when I have set financing. 
4 ) You refunded me {$43.00} for 5 months of backdated interest on the {$960.00} - what calculation do you use to reach this number? I would like proof of this. 
5 ) Finally, please explain why our payment is now higher, even though the principle is now drastically reduced by the credits we had processed from XXXX ( that you held for 5 months ). In the letter from Wells Fargo ( attached ) they said they " could not lower our payments '' - but that 's not what I was asking. If the principle goes down by close to {$1000.00}, then the math would make sense that the payments would also decrease - not increase. Explain ASAP. 

I am doing this in writing, through this oversight board, because I feel that Wells Fargo has taken extreme advantage of me during the duration of my loan with them - and the unresponsiveness and lack of customer concern is quite disturbing. Having this happen while my family faced homelessness and hunger, but finding a way to always make this payment before the 30 days - I deserve some kind of respect and response - and quickly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25 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: SC

Complaint narrative:
i have been getting repeated phone calls every day at different times of the day. i work XXXX sleep day time hours.they have also contacted my family members repeatly also as well they have been out to the house XXXX knocking trying to collect the loan i owe them. security finance in XXXX sc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My mortgage company is trying to foreclose on my mortgage because they do not believe that I live in the property. I have faxed and emailed the documentation which the mortgage company asked me for ( initially ) so that I could be granted a loan modification. However, the mortgage company still does not believe that I live in the property. I appreciate your help.

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 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank is refusing to honor a check used to open accounts for my trust account. They are claiming the check was altered. The issuer says that they write all their checks with the payee 's name hand written on the check while the rest of the check is typed. I feel that the bank is inferring that I submitted a fraudulent check to them. Can you please help me get this issued resolved. There XXXX accounts opened with this check. Both a checking and a savings account. The accounts were opened on XXXX/XXXX/2015. I am a veteran.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
to whom it may concern, hello, I opened a credit card account with Wells Fargo Bank back in XXXX 2015. It was a secured one. I provided them with all necessary information ( addresses, phone numbers, immig. status etc ). There was a {$25.00} annual fee and they told me my account could be upgraded to an unsecured ( in a period from 6 to 18 months ) if I use the card responsibly and keep a good payment history, which I did. Never missed a payment, kept low balances and had had my score grow up significantly. A year passed, I heard nothing. A year and a half - nothing. They just kept charging annual fees. I decided to give them a call, they submitted a request for card upgrade and told me to wait for the response ( by mail ) which I never received. 
I did the same a month later - and still nobody got back to me with the answer. In all further telephone conversations they simply said they were not able to do anything to get the status of my request. 
Only a recent email conversation uncovered the true nature of their being reluctant to upgrade. Now ( after almost 2 years since I opened the account and paid a 2-year fee ) they claim that the upgrade is ONLY available to holders of the US passport or permanent resident card. Although I am about to get permanent resident card myself in about eight months, I do not think this discriminatory policy sounds like the one for American institutions. And of course, this is not to mention the fact that they consider it right to let people know about it after the people have been fooled with false promises for almost two years. And in the end, this is what my options are now : first is to let them sit and continue getting money from me and from thousands of other people by promising their cards would be upgraded ; the other is to close the account which is going to have a serious impact on my credit score and history.

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 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied to refinance a car loan, but was denied. I have tried to get in touch with them regarding the decision. However, the number listed does not help me or the fragmentation of the process does not solve my problem to understand why I was denied. The simple explanation that it does not benefit me, but does n't refinance benefit the consumer when you are doing well and want to lower your interest rate. I get the sense that they do not want to work with me to help avoid default or a loss in their balance sheet.

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 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX XXXX 2016, I lifted my credit freeze successfully by internet, with XXXX and XXXX. Per the credit bureaus policy, we were required to pay {$10.00} to each bureau to do a temporary lift from XXXX XXXX to XXXX XXXX 2016. Now : I then tried to lift my credit freeze with XXXX by internet and the website stated to contact XXXX. I figured that I did something wrong so I tried three times. Each time I submitted the request, XXXX denied my lift request stating that I need to contact XXXX. On XXXX XXXX 2016, I contacted XXXX and explained the issue. They transferred me over to a representative to handle my request. On XXXX XXXX 2016, I checked my bank account online and found that XXXX charged my debit card XXXX times in the amount of {$10.00} each, a total of {$40.00} and was pending on XXXX XXXX 2016. On XXXX XXXX 2016, I contacted XXXX an notified them of what had occurred. They stated that I need to speak with personal solutions. The representative then transferred me. At XXXX, I left a detailed message with XXXX personal solutions and requested them to call me. As of XXXX XXXX 2016, XXXX failed to contact me regarding the XXXX charges that I did not authorize. On XXXX XXXX 2016, I rechecked our bank account online and found that Wells Fargo Bank N/A has now changed our statement to reflect that XXXX charged our debit card XXXX {$10.00} payments on XXXX XXXX 2016 instead of XXXX XXXX as documentation reflects. On XXXX XXXX 2016 at XXXX, I contacted Wells Fargo Bank and filed a complaint, claim # XXXX. I complained about the XXXX extra charges from XXXX that were not authorized and that Wells Fargo changed our bank statement postings. On XXXX XXXX, these charges were pending transactions. Then Wells Fargo changed these transactions to XXXX XXXX reflecting pending transactions. The question is, did XXXX commit fraud by over charging us? Also, why did Wells Fargo Bank change our pending transaction dates? We have a printout of our account on XXXX XXXX and XXXX XXXX 2016 for documentation! Willing to provide the documentation if needed!

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 2016-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
i have had work done to my house ( XXXX ) replaced well fargo property loss dept. has refused to remit the insurance check promptly. the check was issued from insurance co. XXXX wells fargo say the sent it to me regular mail. XXXX then XXXX the problem is the check has been receieved and now the contractor is threatening to remove unit and file a lien against the property. this is a pattern of deception that is illegal.the property loss department is purposely causing this problem

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 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 we made a payment of {$82.00} to XXXX XXXX XXXXOn XXXX XXXX, 2015 the Bank decided to send another payment in account of e-bill which was {$81.00} without our authorization. Neither one of the account owners made such a payment and the money was taken arbitrarily by the Bank, causing impact to our finances. 
When we called in to place a complaint, we were told that we need to wait 10 business day in order to get our money back, which we deem not acceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was locked out of my checking and savings accounts with Navy Federal for failure to pay enough on my credit card bill. I was unable to access any of my money while XXXX and unable to work and fell behind without access to my accounts. I was told I could not access it until enough had been paid on my credit card and no access in two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX ( hereinafter " XXXX '' ) has been trying to get a loan modification for more than a XXXX. However, her efforts have not been met with the same intensity by Wells Fargo Home Loans ( hereinafter " Wells Fargo '' ). After working extremely hard to solve the present issue with her lender, she was offered a trial payment period ( hereinafter " TPP '' ). XXXX ' new modified payment was going to be {$2400.00}, at 4.5 %. However, in a later review, Wells Fargo found out that the title was not clean. The title presented several liens imposed by the XXXX Court in favor of XXXX XXXX XXXX XXXX XXXX, and their attorneys XXXX XXXX XXXX. XXXX XXXX ' loan modification was denied because she could not clear the title on time. She appealed said decision on or about XXXX XXXX, 2016. On XXXX XXXX, 2016, Wells Fargo denied her appeal based on the title not being cleared. XXXX XXXX reapplied for a loan modification and her paperwork is with the reentry team, since more than XXXX days before the sale date. The sale date has been scheduled for XXXX XXXX, 2016. XXXX XXXX was not aware or was not advised about this sale date. I spoke to XXXX XXXX from the reentry team today XXXX XXXX, 2016. He indicated that Wells Fargo was not going to stop the foreclosure sale because there was a change in the guidelines from the XXXX XXXX XXXX that did not allow a loss mitigation review on loans that are more than three years delinquent. He also indicated that this rule was imposed on XXXX XXXX, 2016. XXXX XXXX has also requested foreclosure mediation on XXXX XXXX, 2016 as it is her right to do so. Therefore, having foreclosure mediation scheduled is also a reason to stop the sale date to have enough time for a loan modification. As previously stated, the title is cleared now. It is only the XXXX XXXX for XXXX XXXX XXXX XXXX that is taking its time to process it. Attached please find documents that prove that the title is clean now. Wells Fargo has more documents in their possession that corroborates this claim, documents like receipts and letters.

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 2016-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
1. I filed Case No. XXXX with the CFPB on XX/XX/2016 which is pending, and to which this complaint relates. 
2. The essence of that complaint is that Wells Fargo Home Mortgage sent me a notice out of the blue requiring me to show proof of flood insurance on a house that has had a mortgage on it for 10 years, and that sits in the middle of the XXXX, well out of any FEMA designated flood zone. 
3. I called WFHM twice on the number indicated on their demand letter, requesting written proof indicating the notice was sent in error. Each time I was assured the notice was sent in error, and that a letter confirming this would be forthcoming. No letter, email or other written documentation on which I can rely has ever been sent. 
4. In response to the request for something in writing, rather than doing that, WFHM had somebody named XXXX call and leave messages three times. In these messages he says he has gotten my " inquiry '' ( the CFPB complaint ) and invites me to call him. Nothing else. 
5. Because I am currently XXXX miles from home, lending support to my wife, who is in turn comforting her youngest sister who is XXXX, I have not spoken to XXXX. 
6. On XX/XX/2016, XXXX filed a response to my CFPB complaint, stating he has been unable to contact me, that he continues to do " research '' into my complaint, and that he and WFHM need 60 days to sort things out. 
7. This is the identical delaying response WFHM gave 4 years ago to the CFPB when they attempted to charge me a higher than advertised interest rate on a refi of this loan. ( Case No. XXXX ) 8. There is no " research '' to be done. The property is not in a flood zone. I need written documentation so that the sort of brain damage we are currently going through can be completely avoided in the future. 
9. There is no need for XXXX or anyone else at WFHM to contact me. I have the computer generated demand letter WFHM sent to me on XX/XX/2016, and nothing else to provide them. All information necessary to resolve this issue is available to XXXX. 
10. WFHM required a mountain of written documentation from me to secure and refi this loan. I want a one sentence letter, not a phone call, so the next time this issue arises, it can be resolved without recourse to the CFPB, or other outside agency. 
11. XXXX and WFHM are wasting resources, time, and whatever shred of credibility they might have by engaging in these bullying tactics.

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 2016-09-21 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I received unsolicited credit cards in the names of my husband ( XXXX XXXX XXXX and myself ( XXXX XXXX XXXX XXXX. NOT an application, but XXXX actual credit cards. The envelope included NO information as to terms ( interest rate, annual fee, etc. ), just the XXXX cards. 
I have my vehicle loan through Wells Fargo, and also investments with Wells Fargo. However, I carefully went through my credit files and I have NEVER had, nor requested, a Wells Fargo Credit card. I emphasize that I received these cards well after the fraudulent actions of Wells Fargo came to light. 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