vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My husband, XXXX, is an XXXX XXXX XXXX XXXX Veteran that requires XXXX. 
On XXXX/XXXX/XXXX we called Wells Fargo to request mortgage assistance. During the financial interview we were told that Wells Fargo could n't help because we did not have enough income. I tried to tell them that we had applied for an increase in my husbands XXXX benefits they said they did n't care. At this time my husbands XXXX was XXXX per month and we received XXXX in food stamps. 
On XXXX XXXX I began employment with TDID at a salary of $ XXXX/ month.On XX/XX/XXXX my husbands gross monthly XXXX was increased to XXXX. Out current monthly food stamp benefit is XXXX for a total household income of XXXX. 
On XXXX XXXX, XXXX we reapplied to Wells Fargo for assistance under a change of circumstances and submitted all documentation verifying a significant increase of monthly income. 
We received a letter from Wells Fargo on XXXX/XXXX/XXXX stating " Based on the recent information you have provided to us, we have determined there has not been a sufficient enough change in your circumstances for us to conduct another review ''. This is a blatant mis-representation of the truth.The letter is not signed by anyone and when I called Wells Fargo they refused to speak with 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 2015-05-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I am on social security XXXX and when I took out the loan for {$800.00} I did not realize that when the loan was paid that I was paying them {$2300.00}. They knew I was on XXXX and that my income was fixed. Also my XXXX is a XXXX that causes to not understand and know what I am really signing. I paid back over {$1600.00} to them and could n't any more. At the end of every month I had no money or food until XXXX on the XXXX of the month. I even called to make other arrangements but they said no. So I stopped paying them and a couple months ago made a payment arrangement with me for {$99.00} a month. I thought that was the end of the loan but I am still getting phone calls and threatening emails. I tell them I am only about to pay {$99.00} a month but they said even after XXXX monthly payments I still owe them over {$200.00} still. I asked them to send me a statement and they told me they do n't mail out anything it 's done through there website. It tells me nothing or explains nothing. I do n't have a written contract. They said I signed XXXX on line. I do n't know or remember ever doing that. I have explained everything to them but nothing matters. I suffer from XXXX and there phone calls are making everything worse. I do n't want to go back to the hospital and I have no family.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells fargo bank merchant services opened a account on XX/XX/2014 since then the have been taking XXXX a month from my account automatic for the fees we called them on XX/XX/2014 to let them know we wanted to cancel not open the account. We also send a letter stating the same copy in file the he have being trying to resolve this from day XXXX wells fargo has done nothing but keep charging the XXXX monthly fee and almost always charging a XXXX dollar fee also this action from wells fargo is also affecting other transactions also causing a fee of almost XXXX for each item average of XXXX a month Wells fargo has done nothing but to charge the monthly payment and fees looking to get this resolved asap thanks for 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 monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To : Whom It May Concern, I had gotten behind with my mortgage payment and soon begin to face foreclosure. In the process of all of that I received a postcard in the mail from a Law firm named XXXX XXXX XXXX XXXX XXXX that specializes in helping people like me keep their home without filing for bankruptcy. I contacted them and I spoke with a lady named XXXX XXXX and she advised me that her company can help me out. She stated to me that the fee for helping me get a loan modification with Wells Home Mortgage was XXXX and I had to pay it in XXXX installments which was XXXX XXXX, XXXX XXXX and XXXX XXXX which I paid faithfully each month. Mind you I had to filed a chapter XXXX in XXXX which I though was strange because she stated without filing bankruptcy. She sent over documents for me to signed and date for loan modification and I did all of that. It was in XXXX when I was informed that I was facing foreclosure on XXXX XXXX, 2017 and she still was telling me that I was not going to lost my house. Well, my house was sold to a third party on that day this is the day she wanted me to go back down to court house and filed another XXXX and I refused to do so. She was going to called Wells Fargo to see if they would stop the sale but they did not. I have not heard from this lady again. She has not returned any of my phones calls, emails, texts or anything. I went down to the home office and found out that she works from home and she is a part of the company and works under Attorney XXXX XXXX to get clients and they were going to look into it and I have not heard from them as well. Now that my home as been sold and I have a few more days to move out. I am lost for words and I feel as thought this was a scam and I just want my money back so that I can move out and found a place for me and my daughter. This woman called me at least 5-10 times a day. This stress of this situation has caused me to be XXXX because I suffer from XXXX XXXX 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 2017-02-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I applied for and used Wellsfargo cash wise visa card last XXXX because there was a promotion said that there would be 0 % APR for 12 months, get {$150.00} cash back if I purchase {$1000.00} or above within three Months ... ..Actually I still keep the photo picture of this page of website. I checked at Wellsfargo in XXXX ( NC ) branch to ensure it would work before I started to use this credit card. I made a phone call to the costumer service and checked this promotion again at wellsfargo XXXX XXXX and XXXX branches to confirm 0 % APR after I received first credit statement, and no one told me that I need play any interests within 12 Months. Yesterday - XXXX XXXX I received the Wellsfargo cash wise credit card statement charging me {$20.00} interests, other than paid me {$150.00} as the promotion said. Yesterday I called the credit card customer services again and asked the representative why, and I was told that he would fill out a form for me and send it to credit card finance service department to get this promotion approved and there is no guarantee for that. I never had this kind of situation before and I could not image that the major credit card company will eat their promise to their costumes, I am feeling cheated. I need your help in investigate this case.

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 2016-10-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I bought furniture at XXXX furniture that was delivered XXXX 2016 and was given 12 months zero interest. When I received the statement this month it has interest charges on it six months early.. I have my receipt showing that I was given 12 months zero interest.

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 2017-01-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SecurityNational Mortgage Company
State: CO

Complaint narrative:
We have been trying to get all of our original documents divorce decrees tax returns and various other paperwork back from XXXX XXXX at Security National Mortgage in XXXX XXXX XXXX number XXXX XXXX and XXXX XXXX state license Colorado XXXX XXXX for several months now. After several failed attempts to connect with her and broken promises that she would return the documents via mail she is now requesting signatures for transaction that was finalized back in XXXX. We are concerned about the nature of documents she would still need signatures on this many months out I 'm concerned about her unwillingness or inability to return our original documents that were trusted with her.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I refinanced a home of 7 years under a HARP program with Wells Fargo. 
During the life of my old mortgage, with Wells Fargo, I had never been late once with a payment. At the time of securing the loan, I was assured that my PMI ins. would not be " reset '' as I had only about {$20000.00} more of principle left to pay and then the PMI ins could be stopped. After, I found out that my property had been revalued lower and my PMI restarted. I now have about {$40000.00} left of principle before PMI ins can be stopped.

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 2016-04-12 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX of my Navy Federal checks was stolen from my check book and cashed for {$1500.00} at the XXXX XXXX on XXXX XXXX, 2016. The XXXX XXXX aloud someone without an account to walk in and cash the check. There was not enough money in my account to cover it, which should have been red flag. Navy Federal is saying I am at fault because the signature on the appears to be minds. There was some canceled checks with my signature on them in my check book at the time the check was stolen. I reported this issue to the police and was told that anyone with a cell phone can take a picture of a signature and superimposed it on any document. Navy Federal is refusing to refund me the money.They aloud some to walk in who does not have an account and cash a check plus there was not enough money in the account to cover the check and no one asked any questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Wells Fargo Bank, Consumer Credit Solutions, Credit Bureau Dispute Resolution, XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear Wells Fargo Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX 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 2016-10-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We were victimized by Wells Fargo Bank after we filed a complaint they whitewashed our comments and naturally found against us. We disputed and nothing was resolved. During the latest round of fraudulent behavior on the part of Wells Fargo Bank management and employees, adding accounts and expenses to customers with out their knowledge and approval, pleading guilty and exempting the wronged customers from taking legal actions, is abhorring to the say the least. Not only did Wells Fargo Mortgage Bankers lie and refuse to help us with our mortgage, our accounts were deleted and our access blocked. We recently learned through a card mailer from Wells Fargo Bank we were given two accounts were never applied for. We have over a hundred that were sent to us basically passing the buck back and forth until foreclose took place. We are owed around {$500000.00} in our property value and over {$250000.00} in builder and after market upgrades. I wash to have cfpb investigate and in the mean time I will prepare a complaint package to submit to United States XXXX XXXX XXXX. Wells Fargo Bank used their financial influence to deny short sales and provide any support to us when we were financial limbo during the economic recession/crash. After serving 21 years on XXXX XXXX in the XXXX XXXX XXXX and 19 years in XXXX XXXX XXXX supporting the military, mostly living XXXX with my wife and children away from the United States and our extended family. Wells Fargo Bank chose profit over customer support and wellbeing. We moved XXXX time since our foreclosure and we ask that Wells Fargo Bank reimburse us for all the money they made off us and refusing to allow our short even after the approved it. The financial figure that we were cheated out of was in the neighborhood of {$500000.00} and we have documentation to prove our case.

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 2016-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My husband and I have been having problems with our 2nd Mortgage with Wells Fargo since our bankruptcy in XXXX. I went to a special XXXX hearing before the bankruptcy judge regarding his concern about us reaffirming the 2nd mortgage. We went to our bankruptcy lawyer and address his concern but the lawyer felt we would be in jeopardy of losing our house if we did not sign it. We signed the 2nd mortgage which was a balloon interest only coming due at 10 years. 
In XXXX my husband was laid off and I was without work XXXX XXXX XXXX, XXXX XXXX XXXX. We were struggling with payments and the balloon payment was due in XXXX of XXXX. We tried several times to refinance the XXXX mortgages together but could not get enough equity to do this. We qualified for the Helping Michigan 's XXXX XXXX XXXX XXXX loan program for the period of XXXX XXXX through XXXX XXXX. Wells Fargo started working on our refinance of our XXXX Mortgage in XXXX or XXXX of XXXX before it was due in XXXX XXXX. They kept the loan refinancing going for 12 months. During this time they would call weekly ensuring that once they got the paperwork figured out we could start making payments and continue on with it. During this time it was found out that they were reporting us delinquent on our payments even though they would not let us send in a payment. 
We finally got the loan back refinanced and have been making payments regularly since. There was concern during this 12 months that they was something not quite right but they continued calling and assuring me the loan was fine. 
Since the refinancing my husband and I are still looking to put the XXXX loans together and refinance but every time we try this the banks have been telling us the numbers do n't add up. Our local banker Now in XXXX XXXX has told us XXXX of the credit bureaus are reporting the loan as being XXXX in XXXX. I have been on the phone with Wells Fargo for the last month and they can not come up with the proper paperwork that I have requested : 1 ) Reaffirmation hearing from our bankruptcy. 
2 ) Paperwork on the refinancing of our balloon payment. 
3 ) Removing our delinquent marks from the credit bureaus. 
At this time I feel that Wells Fargo has more than harassed me through our time holding our 1st and 2nd mortgages with them and caused great stress and lost time dealing with their run around. I feel they are being fraudulent towards us by never producing any paperwork or answers when needed. We would like this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I SUBMITTED DOCUMENTS FOR MORTGAGE ASSISTANCE AND I WAS TOLD THAT MY FILE IS IN REVIEW AND NO ADDITIONAL DOCUMENTS WERE NEEDED. MY SERVICER, WELLS FARGO, CHANGED THEIR STORY TO SAY DOCUMENTS WERE MISSING. A FEW DAYS LATER AND BEFORE I COULD SEND IN THE MISSING DOCUMENTS, WELLS FARGO CLAIMED THAT MY FILE IS NO LONGER IN REVIEW BECAUSE THERE HAS BEEN NO CHANGE IN FINANCIAL CIRCUMSTANCES. I HAVE XXXX NEW ROOM & BOARDERS AND THERE IS IN FACT A CHANGE IN FINANCIAL CIRCUMSTANCES. WELLS FARGO PREFERS TO DECEIVE AND CONFUSE HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURE AND FORECLOSURE FEES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. I had my husband, XXXX XXXX XXXX XXXX to write up this statement and send it to the CFPB and they in turn sent it to Wells Fargo. Wells Fargo has sent a reply but no explanation. Because of their saying that my HUSBAND is not authorized to discuss the foreclosure, which was their fault for sending back my payments to me, they are not answering at all. The last letter my husband received from Wells Fargo said that they would have an answer for us on XXXX XXXX. No response from them as of now. SO, I am writing this to let you, the CFPB, and Wells Fargo know that my HUSBAND, XXXX XXXX XXXX XXXX, is authorized to get and provide any information about this loss of my home. Wells Fargo has been taking people 's homes in the XXXX XXXX for a long time. Most of the homes that are up here in XXXX, XXXX XXXX, and XXXX are empty due to Wells Fargo messing with peoples payments, and not counting their payments and also not accepting them after they are paid at the branch. I am tired of losing my home and not being able to get another home because of Wells Fargo 's shady operations. You can call my husband to talk about this because I am too angry to speak to anybody, especially to Wells Fargo because the people that call you are rude and heartless and do nothing to help someone even when they call them. I can attest to everything that my husband has stated in this letter and I am writing this to make sure that you INVESTIGATE and see for yourself that Wells Fargo has done everything to mess people out of their homes and then blame them for not doing their part to stay in the home, when we did everything and more. I am so disgusted with Wells Fargo and I want something to be done because of all this time that we have been trying to get a place of our own and we ca n't because Wells Fargo destroyed my credit by not accepting my payments and sending them back to me so that they were late. I want you and them to talk to my husband because he is the only XXXX of us that will be able to talk to them with anything other than irritation. Please e-mail me at the address provided and I will have my husband to contact whomever he needs to talk to.

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 2016-01-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Originally I filed a complaint under case number XXXX concerning the sale of a credit card debt from Wells Fargo Bank to XXXX XXXX XXXX. There were XXXX basic issues in that complaint. 1 ) I had never received an accounting of how the balance was determined ; and 2 ) the fact that Wells Fargo had issued me a check in the amount of {$300.00} dated XXXX/XXXX/XXXX for an administrative error which was questioned. 
After the complaint was filed, Wells Fargo did provide documentation of the balance which I am satisfied with. However, they have never explained where the administrative error check came from or how the amount was determined. Since then I contacted XXXX XXXX of Wells Fargo who had sent the balance information. He called on XXXX/XXXX/XXXX but could not explain the administrative error check and provided the name XXXX XXXX who would call me back. XXXX XXXX called later that day. She stated it was not an administrative error but an inconvenience payment. After several questions she could not answer why the payment was made or how the amount was determined. She said she would call back after she spoke with the XXXX XXXX XXXX. I have attached a letter from myself and documents from Wells Fargo.

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