vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the Better Business Bureau. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had told Wells Fargo to freeze my account since creditors are trying to send ACH debit to my accounts. Wells Fargo refused to do it and has been charging me {$35.00} each time. They charged me over {$700.00} in overdraft fees since XX/XX/XXXX. They would n't close my account because it is overdrawn because of their fees. I was under a XXXX due to a lot of debt and in the verge of losing everything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
This complaint is in reference to case numbers XXXX and XXXX. You do not have a functionality for the consumer to upload documents after a compliant has been submitted. So, I am submitting a third complaint to be able to supply all my documentation. Please review the attached documents as well as the cases referenced above.

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 2017-01-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I had an unsecured personal loan through Wells Fargo that had a predatory interest rate of ~21 % that I used to refinance credit cards. After waiting several months for my credit score to improve from paying off the cards, I went to reapply for another loan that I could use to pay off the original. 

I was approved for a loan with an interest rate that was half of what I was paying before. The amount was greater, but I had expenses that I was about to incur that it was going to be helpful to offset. 

After I signed the paperwork, Wells Fargo immediately discharged {$1200.00} to themselves ( agreed upon in the loan documents to go to a credit card I have with them ), and then paid off the original unsecured loan. 

I waited several days ( t+4 ) and still had not received the disbursement that was due to me ( roughly {$3200.00} ). After contacting Wells Fargo MULTIPLE times, someone got back to me letting me know they credited my account for a {$170.00} over payment of interest. They were n't even going to tell me about this over payment, but apparently they believed that this reimbursement of {$170.00} would compensate me for the loss of {$3200.00} I sent several more inquires explaining the loan documents and monies and how they were agreed to be disbursed. I have yet to hear anything back and it is now t+7 business days ( t+12 days ) and I 'm now looking for some way to come to a resolution, because clearly the bankers at Wells Fargo ca n't process basic maths.

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 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have been trying to obtain a loan modification for over nine months. I requested copies of my loan documents because I believe that I did not receive and/or sign all of the original documents. I believe the good faith estimate was never provided to me and was later forged. There also may be other loan documents I did not sign. I have requested the loan documents at least 5 times. They will only send me a copy of the note and mortgage ( which is available at the registry of deeds ). They refuse to provided the rest of the loan documents and say my request is overly burdensome. I have explained why I want the copies and they still refuse. In addition, the lender has done everything possible to try and say I do n't qualify for a loan modification. First they would n't accept my income, then when they finally did, they said I did n't pass the Net Present Value Test. I did n't pass the net present value test because they used an inflated fair market value for my home. When I showed them their valuation was based on a drive by BPO and was inaccurate, they said I made too much money and my payment would n't be XXXX % lower than my original payment. I asked them to ask the investor to waive that requirement. They have refused to request that from the investor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Tuesday XXXX XXXX {$18000.00} was electronically withdrawn from my business checking account, such was completely unauthorized and to a company whom I have no officiating with. It was n't until late night the XXXX XXXX, when I ram dimly logged into my account that I was aware of this. There was no fraud detection alert, and I was no notified of any unusual activity. When I called to report this I was helped and given a phone number to contact fraud detection so I could ask why I was not notified. I called this morning and was transferred from person to person for 2 hours, one transfer brought me back to the main menu of the call center, which means all of my transferring meant nothing, that was about an hour in. I finally got to talk to an apethetic banker. I asked why I was n't notified of unusual activity and his answer was " something 's are n't detected '' which totally negates any perpose for having fraud detection. I then tried to explain that I will be out of town before to 10 business days, in which they will investigate, are up and would be out of service. My concern is that if I had to answer any questions that I would be unavailable.he then out in a request to have my case be expedited, but I really do n't know if that has any validity. I am worried, frustrated, and feel unsafe working with Wells Fargo. Being a small business owner I have XXXX other things do to and worry about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
REGARDING A CLOSED DEBIT ACCOUNT WITH WELLS FARGO. XXXX, 2014, MADE AN ONLINE PURCHASE WITH XXXX XXXX. TICKET WAS NEVER USED. XXXX, 2015, XXXX AGREED TO REFUND MY PURCHASE. THEY SAID THE CREDIT HAD TO GO BACK TO THE ORIGINAL DEBIT/CREDIT ACCOUNT. EXPLAINED TO XXXX ... MY ACCOUNT WAS CLOSED. IT WAS SUGGESTED TO CALL WELLS FARGO AND EXPLAIN TO THEM A CREDIT WAS COMING ... AND, TO ISSUE A PAPER CHECK TO ME UPON RECEIPT. WFB, AGREED. CONTACTED XXXX TO TELL THEM GO AHEAD AND PROCESS THE CREDIT TO WFB BASED ON THE COMMITMENT GIVEN TO ME BY WFB. HOWEVER, WHEN WFB RECEIVED THE CREDIT ... THEY DIVERTED THE FUNDS TO MY CLOSED ACCOUNT STATING I HAD A NEGATIVE BALANCE. BELIEVE WFB ERRED AGAINST THEIR POLICY. THE PRESIDENT OF THEIR DEBIT/ATM DIVISION INFORMED ME ... IF THE ACCOUNT HAS BEEN CLOSED FOR 30 DAYS OR MORE ... THE CREDIT IS RETURNED TO THE MERCHANT. BECAUSE WFB WAS ALERTED TO THIS INCOMING CREDIT ... THEY SAW THE OPPORTUNITY TO DIVERT THE FUNDS. THE CREDIT WAS NOT INTENDED TO BE POSTED TO MY CLOSED ACCOUNT. WFB HAD NO RIGHT TO TAKE THESE FUNDS. ONCE AN ACCOUNT IS CLOSED ... TRANSACTIONS CA N'T BE POSTED AGAINST THE ACCOUNT. WFB MADE A COMMITMENT TO ME HOW THE INCOMING CREDIT WOULD BE HANDLED ... THEY IGNORED THIS COMMITMENT. I KNOW FOR A FACT IF I HAD N'T ALERTED WFB TO THE INCOMING CREDIT ... IT WOULD HAVE BEEN RETURNED BY THEIR SYSTEM TO XXXX AS AN UNIDENTIFIED CREDIT. ADDITIONALLY, VISA, INTERNATIONAL INFORMED ME XXXX HAS THE ABILITY TO REVERSE THE CREDIT TRANSACTION. MORE DOCUMENTATION IS AVAILABLE. THANK YOU FOR YOUR TIME. PLEASE EXCUSE THE UPPER CASE LETTERS ... HAVING A PROBLEM WITH THE KEYBOARD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo my home mortgage lender refuses to provide me a copy of my 2016 payment history.I am unable to login into their online services and was told by a rep. that I " you are ineligible for online banking ''. Every payment has been on time. We have a high income, equity in our home and are professionals.I have documented my Wells Fargo calls etc. PLEASE 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 2016-08-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has denied my request for loan modification several times. They send me several letters which state they do not have contractual agreement to modify my loan, but then they will send me another letter stating that the income reviewed is not enough or letters stating I have too much. I have tried everything possible, request upon request. I have gone to mediation where no decision is made. I have filed bankruptcy. I feel that they are purposely finding ways to put me, an elderly woman and her elderly husband out on the street. They very well could be discriminating against me due to age. I just do n't understand how so many others with less than me or more than me can save their home, but yet, me along with so many Well Fargo victims are forced into situations by Wells fargo and their representatives which clearly demonstrate how well they get around the law. They hire big shot attorneys to who only respond when they feel the need to and then find a way to put blame on you. As I am sure this complaint will also be answered to by them, somehow finding a way to clear themselves of any wrong doing. Its all politics and no one cares for the people who make this country what it is and what it could be. I truly hope that this complaint will be read and that a true investigation into the unfair practices of Wells Fargos and those attorney 's representing them will be reviewed in detail. Your assistance is greatly appreciated.

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 2016-05-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been excessively charged throughout my time add a customer of Wells Fargo. The amount in overdraft fees I have paid exceed {$1100.00} to date. Recently they have " reordered transactions '' in order to impose a overdraft of an item that is automatically debited each month, first of the day. I check my balance regularly to prevent any mishaps. This particular item was later reordered after another checking my balance notice no pending transaction, and available funds, in order to make a transfer into a family member account. Again I check my account and notice a negative balance because the reorder, I then go and make a deposit to cover account in arrears in cash. Though trying to prevent fees, this Result in a fee incurred. This is a business account, which have merchant deposit directly into the account. I receive notification of monies deposited on the same same day in discussion. however, Wells Fargo Bank fail to show this deposit or recognise this transaction in order to impose fees. Upon which Wells Fargo Bank decided to overlook that and charge me anyway. This is a summary of the latest incident which occurred XXXX/XXXX/16. I spoke to associate about reversing and to explain practice, which he denied any bank error had occurred and denied my request.

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 2016-11-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I knew I would not have enough money to pay off my credit card and my monthly rent, so I made a payment to my Wells Fargo credit card for nearly 4 times the minimum due payment. This payment was from my Wells Fargo checking account. The very next day Wells Fargo decided to auto-draft a payment of {$1000.00} from my checking account. I cancelled the auto-draft a month earlier, specifically because they kept on taking huge chunks of money from my checking account. The auto-draft came out of my checking account, which only had XXXX dollars in it, so they then charged me a {$35.00} fee. So now I 've got a XXXX plus XXXX dollar debt on my checking account. Then had the nerve to tell me that they did me a favor by completing the auto-draft transaction -- which is why I was charged the {$35.00} dollar overdraft. Otherwise, the payment ( that I did not want or authorize ) would have bounced! Which is insane, because there was no payment due. I called the bank and explained the situation and they told me it could take up to two billing cycles ( up to 60 days ) to reclaim the money that they stole from my checking account. I 'm currently awaiting the " reversal '' to be researched and processed. THIS IS COMPLETE NONSENSE. I went to the bank, to speak face-to-face with a personal banker. She explained that my only options included waiting, taking out a personal loan, taking a cash advance from my credit card, TO COVER WHAT THEY STOLE FROM ME. At that point I walked out, red, and infuriated. I ca n't believe that this bank would steal my money, hold it hostage, charge me fees, then offer me a loan to cover what they took from me. I can not pay my rent. This is shameful and disgraceful. Once I am made whole, I will have to find another financial institution. It is my hope that someone out there actually respects the fact that these numbers they play with on a daily basis, are attached to real people, with real obligations.

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 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is more than doubling my mortgage payments on a rental property than I have been paying them for XXXX years on time every month. They found out what I 'm charging for rent, so they are trying to make my payment the same as the rent. They told me they do n't care if I am not making any positive on the rental. Why would I keep a property with no monthly income?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a modification. I was denied based on Debt to Income Ratio and my income was not high enough. The data used by Wells Fargo is old and is not my current income. They have documents that are 5 months old. 

I am making a considerable amount of money since that last data provided. The appeal form was sent in and I have not heard from anyone.

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 2016-07-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a defaulted credit card with Wells Fargo in the past. In XX/XX/XXXX, I reached out to Wells and we reached settlement terms to resolve my outstanding balance. They agreed to settle my {$5600.00} balance for one payment of {$3700.00}, if paid by XXXX XXXX. I made the payment as agreed. Its now six months later, and Wells Fargo continues to refuse to update my credit report appropriately. Instead of reporting the account as settled in full with no liability, the are reporting that I still owe them money. I have disputed this account with the credit bureaus 5 times, but Wells continues to tell them I have an outstanding balance. I did my part, but they are not living up to their end of the settlement agreement.

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 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I completed a re-fi in XX/XX/XXXX. The lender transferred the servicing to AmeriHome Mortgage. Three months after my re-fi, my home owner 's insurance policy was due. AmeriHome failed to make the payment although my hazard is escrowed. I contacted AmeriHome about the missed payment when I received notice from my hazard insurer that the policy was now past due. I was informed on a Monday by AmeriHome that the payment had not been submitted but would be overnighted. I contacted AmeriHome the next day to learn that the payment had NOT been overnighted as promised. I was told for a second time that the payment would be overnighted that very night. I called again Wednesday, and still no payment was overnighted. Wednesday is the cancel effective date. AmeriHome lied twice to me, failed to make a timely payment for my hazard insurance, and thus, caused me to have to pay out of pocket for the hazard policy for a two month period to keep the coverage ongoing until AmeriHome can get their act together and submitted the late payment. My hazard insurance agent contacted AmeriHome on 4 different occasions to obtain payment ; however, AmeriHome failed to hold up to their responsibility in ensuring payment of escrowed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been trying to get a loan modification or forbearance with Wells Fargo since 2013. I work in a XXXX and have a 20 % interest that shows on my taxes. I was working with two representatives of Wells Fargo and each requested paystubs bank statements tax returns. One person held up my file for 3 mos.until I could get the business tax returns. 
I tried to explain that I do not own the XXXX I work there I get a XXXX. 
The next person that was assigned said that I did not need the tax returns. Now re-entry said that I can do nothing to saver my home because of the time that lapsed. Wells Fargo created these issues. I had three different underwriters, m one requested documents and he left the company. One Underwriter was transferred this underwriter requested over XXXX documents. The last underwriter and person assigned took less than a day to say that I did not make enough income even after my father provided his taxes and proof of income.There was a sale date on my home. I need help to save my home. My whole family is now living in the house with me. We are all working. I want to keep my home. Please 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 2016-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been a WF customer for over 10 years and all of my issues have always been how transactions are processed. In my most recent incident I was told by a merchant that they needed a card on file but would n't charge my card since I did n't want to pay with that card. However they charged my card anyway causing my account to be out of whack for the 3+ weeks, not to mention a mishap with an incoming direct deposit I had setup. WF after I called and explained repeatedly let merchants attempt to withdraw money that I did n't have out of my account. Which left me with XXXX in overdraft fees.

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