vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I responded to an email from Wells Fargo to refinance my home mortgage. The email stated how easy it would be since I was already a Wells Fargo customer. Wells Fargo purchased my mortgage last XXXX. I spoke with a mortgage specialist. He obtained my credit report. After going over my credit report he said there looked to be no problems, that we needed to proceed, and we should close in approximately XXXX days. He said we needed to order an appraisal of the house and said there would be a {$500.00} fee for that and I needed to pay it immediately. I paid the {$500.00} ; the appraisal was performed by a Wells Fargo employee. Then I heard nothing. The mortgage specialist then said the underwriter was looking at a short sale I was involved with in 2011 when I sold my home in XXXX, Michigan. He said the underwriter wanted proof the house was sold. I submitted the requested documents. Again a period of silence, I inquired about the status of the loan and was told Wells Fargo was rejecting the loan application since XXXX years had not passed since the short sale. The XXXX year anniversary will be XXXX XXXX. However, Wells Fargo purchased my mortgage last year when I was only XXXX years removed from the short sale. I fail to understand how I was a good credit risk a year ago, but I am unqualified now. I have never been late or missed a payment ; my income-to-debt ratio is the lowest it has ever been ; the loan-to-value is 52.32 %. Wells Fargo faced very little risk if they made this loan. 
My grievance is that the mortgage specialist had my credit report. The credit report shows the negative short sale of 2011. He stated that everything looked good and we needed to proceed. If there was a question of my creditworthiness there was no need to rush ahead with ordering the appraisal. My creditworthiness should have been ascertained prior to ordering the appraisal. It was nothing short of a money grab by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Other than when I initially got my Cabellas Card issued from XXXX approximately 2 years ago I have not used the card. However I recently checked my statement and found a fraudulent charge in XX/XX/XXXX. This charge was to XXXX, which I 'm not a member of and in XXXX, where I have n't been in over XXXX decades. Upon discovering the charge I immediately disputed the charge with XXXX Upon dispute XXXX closed the account and then opened an additional account, transferred the fraudulent charge with late fees then immediately closed the new account with a delinquent balance of {$10.00}. These actions of XXXX has directly negatively impacted my credit score by XXXX points. Their response has been " you need to contact the credit bureaus to get it corrected. '' Their actions have been malicious and predatory toward a person who has no other derogatory remarks on their credit history. This is over a charge of less than {$10.00} that was made fraudulently and since it was an international transaction should have been picked up by their fraud department easily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: NE

Complaint narrative:
After my Nelnet loans came out of forbearance following my graduation I was billed my initial payment of about {$700.00} on around {$70000.00} of student loans. I was unable to pay such a large monthly amount and submitted paperwork for income based repayment ; however I was still responsible for that first payment. I did not have the money to pay it so I opted to put my loan in forbearance until Nelnet processed the paperwork. The employee read the disclosure and it sounded like it said my interest would be added to my principle balance-I asked for clarification and was told that no-nothing on my account would change I just would n't have to make the payment so I agreed. The representative lied to me and the interest obviously was moved to my balance increasing my loan amount to about {$75000.00}. My recalculated payment ended up being $ XXXX/month. Each year I have to fill out a form to reassess my income based repayment amount ( many other loan companies have a form you fill out once, not annually ). While this paperwork was processing I once again ended up with a monthly payment of about {$800.00} -it 's conveniently higher now because I owe Nelnet more money because they lied to me-until my income based payment was reassessed. My new monthly payment is now {$200.00} a {$67.00} increase from last year which I can only assume is because I owe more money because my income has not increased from the last assessment and I still owe the {$800.00} payment. A representative once again tried to convince me to put my loan in forbearance, glossing over the fact it would add nearly {$10000.00} to my principle balance and when my loan is reassessed next year the payment would no doubt increase, not to mention the obvious-the amount I owe would go up to {$85000.00}. This representative was at least honest when I asked about my interest. I can not make this {$800.00} payment. There is no waiver of the payment and my only options are : pay money I do n't have, do n't make the payment and ruin my credit, or put my loan in forbearance and owe Nelnet even more money. There is no way to make a formal complaint at Nelnet. I feel like I was tricked into owing more money, representatives misinform and persuade customers into allowing their interest to capitalize, the annual paperwork only serves to create a month where customers are vulnerable to high payments and more likely to be forced to make a poor financial decision to protect themselves in the moment as well as their credit in the long term. Nelnet does not serve or care about their customers-they are only using them to continue to make money and increase their student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment XX/XX/2015 for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old XXXX couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}.

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
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Once I made an offer on a house and started the home buying process on or about XXXX XXXX 2015, with a projected closing date of XXXX XXXX 2015, it has been a steady dose of the highest level of incompetence from a major corporation that is Wells Fargo. Granted the house is a manufactured home, and I am a first time home buyer using my VA home loan benefit. We did n't make the XXXX XXXX date as the bank found a typo on the title paperwork and without notice, extended the closing date out until the XXXX of XXXX. I was n't notified and found out later from my realtor, who got the typo fixed in just a few days. As the XXXX approached, the bank came up with some other excuse and it was again delayed, with no future date established. 
Wells Fargo throughout this process has requested documents which have been provided in a timely matter. One example is the water test submitted on XXXX XXXX, on XXXX XXXX we are told by the bank that it must be retaken. At some point in XXXX, Wells Fargo mentioned that they would need to have an engineer inspect an addition built on the home, and that they would take care of that. Yesterday, XXXX XXXX we are told that the inspection still needs to be performed. 
These are only XXXX examples of how weeks after the original closing date had come and gone, and being told several times that we are just waiting on this form, only to have them request something more. They continue to blame the VA for having strict requirements, which I know is a fact. However, once several weeks, or even literally MONTHS into the process, the VA did n't invent new requirements. 
Once the original closing of XXXX XXXX was blown by Wells Fargo, I see no reason why they were unable to look at the entire package, and determine what was still missing. 
More than 2 months after starting this, I was asked to provide documentation on asmall monthly deposit into a checking account that had been there from day one. Why after 2 months are they only now asking for it? 
These are only a couple of examples of how this has continued from day XXXX. Another example is documentation on what I pay ion child support. I submitted requested documents on XXXX XXXX, and on the XXXX of XXXX, the bank tells me it 's not enough, and they are now asking for more information after more than a month has passed, and XXXX closing dated have come and gone. 
At this point I have no reason to believe that I will close on this even after 3 months have passed. 
I was pre-approved, have excellent credit, VA qualified, bank with Wells Fargo, permant employment, have a down payment and have been told multiple times throughout this process that we are real close, only to have the finish line moved out again and again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This complaint is to be attached to earlier complaints about Wells Fargo Bank opening an account in my name and {$25000.00} stolen from the state of California through XXXX. Complaint # XXXX and # XXXX. I 'm again asking Wells Fargo bank 's Fraud Division to investigate itself and rein in your employee 's. On XXXX XXXX of 2015, my daughter received a fictitious call from a person posing as an FBI agent investigating My Name and Identity Theft. The person wanted to know my address in XXXX XXXX. She has a Wells Fargo bank account. To use your position to gather information from the private record of another person has to be against the law. I immediately contacted the FBI. There response was " We would never make such a phone call to investigate someone. Notify the FTC. '' I did. The call was from XXXX XXXX. Check your phone directory for that number. I have asked the OAG to follow-up in this matter. I have followed up to the State of California Fraud Division hot line. My family 's safety is of most importance. The XXXX XXXX attorney 's office has informed me that they will testify in court in my behalf that it was your bank that laundered the {$25000.00}. The detective will testify, too. If you do n't pass this on to your Fraud division I personally will proceed against you and your incompetence. A person in your organization is in collusion with the fraud why call my family?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
I started having my wages garnished by a law firm for a 5 year old auto loan. The court order for wage garnishments was obtained by the law firm in a county I have NEVER lived in. Additionally the law firm misrepresented the owner of the debt by saying it was owned by XXXX ... It was not until we called Santander to find out it was sold to Cascade Capital, with whom I have never had any correspondence from or notice that the debt was sold to. 

I was never served any notice. I was never given a chance to represent myself in court. Now my paycheck is being garnished ... I have Child support to pay out ... Bills to pay ... I 'm just trying to move on from what happened years ago and this company just started stealing my paycheck. I feel like I 'm never going to recover ... 

I never had a chance to appear in court ... I was blindsided since I was n't served any notice. And I feel like I 'm going to just keep drowning in debt because what happened five years ago continues to ruin my life. They refuse to provide me any of the payment history or account notes. I have no proof of where they are getting the figure for me on ... How can they obtain a judgement for me when I do n't even know how it 's so high? Is it even legal to collect on debts this old? Or am I going to keep being harassed and punished for losing my job so many years ago .... They already repossessed the car 5 years ago ... Why are they coming back for more money again ... Was n't that enough?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
A man named XXXX from a company called XXXX has called me to report a delinquent account on behalf of Cash Net USA as an attempt to collect an alleged debt. I 've never applied for a payday loan, so I called Cash Net USA and they have no record of me or an account in my name. I attempted to call XXXX back and continued to get voicemail. He later called me back from a different number in a different city than the previous call. I 'm sending a DN to the company. I highly suspect this is a fraudulent company. The original number he called from was XXXX and then XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was told by Wells Fargo..I have a Hold on my {$5000.00} check from fidelity because of too many overdrafts in my aaccount ... my question is can I physically go get my check back ... i need my Money for rent? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
We bought a property n lender sold the loan to another company and did not clear the deed we stuck ca n't refinance did loan mod went on trial payment for six month n lender ca n't finalized my mod due to the original co.put a lein on my property n company no longer exist servicer advice us to file chapter XXXX and applied another loan modification and did that got discharged and now trying to apply another mod and servicer said we 're not qualified because we were late for 40 months now our house is on foreclosure what shall we do?

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 2016-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Servicer engaged in practices that harmed borrower, including but not limited to : failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; charging unauthorized fees for default-related services ; providing false or misleading information to borrowers regarding loans that had been transferred from other servicers ; failing to provide accurate and timely information to borrowers who sought information about loss mitigation services, including loan modifications ; misrepresenting to borrowers that loss mitigation programs would provide relief from the initiation of foreclosure or further foreclosure efforts ; improperly denying loan modification relief to eligible borrowers ; providing false or misleading reasons for denial of loan modification ( s ) ; with respect to transferred loans, failing to honor in-process trial modifications agreed to by prior servicers ; and robosigning affidavits in foreclosure proceedings. 

The servicer ( ASC ) cliams the investor ( s ) will not modify/pay " Corporate Advance Fees/RICO ) fees. However, after reconfirming eligibility and terms via REST Report/Loan Disposition Analysis/NPV, these fees should be waived, as this loan qualifies for HAMP Tier 1 & Tier 2, as it is confirmed that the investor participates ; the borrower, in good faith, paid the RICO fees of {$2300.00} on XXXX/XXXX/16. 
Claims of Improper Denial, The ASC confirmation for payment of the RICO fees was/is - 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 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XXXX XXXX, 2015 at XXXX ( cst ) I requested a stop payment be placed on an ACH debit that was due to hit on XXXX XXXX, 2015 in the amount of {$250.00} from a company called XXXX. I was given a reference number, XXXX, that the stop payment order was in placed. 

On XXXX XXXX, 2015 I check my online account and saw that the above reference item was pending. At that time I spoke to another customer service person and requested that the stop payment be placed on this item ; they confirmed that it was and provided me with the following confirmation number : XXXX. As I reviewed my account today I noticed that XXXX separate insufficient funds fees totaling {$140.00} had been debited from my checking account. I immediately called and requested that those fees be reversed because they were generated solely due to Wellsfargo Bank 's failure to honor the original stop payment request I made on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of Identity Theft and have submitted all proper documentation required by Experian in order to prove my case. Police Report, FTC Identity Theft Report, Legal Notice and personal ID and according to the Fair and Accurate Transaction Act of XX/XX/2003 requires that bureaus block and delete any information that was the result of Identity Theft FACT section XXXX FCRA Section XXXX. Furthermore, in XXXX ( My home State ) If you are a victim of Identity theft ( as defined in section XXXX of the XXXX ) section XXXX of the california XXXX XXXX gives you the right to BLOCK reporting by consumer reporting agencies of information that appears in your credit report as a result of the Identity Theft. So please comply and remove those fraudlent accounts immediately listed in the FTC ID Theft Report enclosed.

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 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Paid someone for services rendered by check. When the check was presented to my bank, Wells Fargo, they did not pay the amount written on the check. Then when I discussed with them, they informed me if it was below {$60.00}, they would do nothing & I would have to write another check to the person. On XX/XX/XXXX, I received a letter stating they would do nothing & I went into the message center on my online account & found that someone at Wells Fargo had put a stop payment on the difference in the amount they were supposed to pay. During a conversation today, they informed me they debited my account for the difference and sent it to the payee. They claim there is no documentation on who requested or did the stop pay -- I did not! They sent me letters & did things without my knowledge or consent.

Company response to consumer: Closed with explanation