vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I got the below below email from Wells Fargo. 




Date : Sat, XX/XX/2016 XXXX XXXX From : XXXXXXXXXXXX To : Subject : Wells Fargo fraud claim on your account We? re researching fraud claim on your account : Here? s what you need to do Dear Customer : We want to help keep your account secure so we continuously monitor it for possible fraudulent activity We 're writing to verify the transaction On XX/XX/2016 was authorized by you or another person, The transaction was against bank Tearms and Use. 

What you need to do now? 
Please visit the Customer Center here XXXX login to your online banking? 
Review and enter all billing information carefully, and make sure it is up to date? 
You will receive an email from us in the next 24 hours confirming your transaction PLEASE NOTE : failure to verify your billing information before the next working day will lead to your online banking suspension and your account frozen. 


If you have any questions, please call us at XXXX from the U.S. or XXXX. Internationally, you can call us collect at XXXX. 

Thank you for being our customer. 

Sincerely, Wells Fargo Fraud Department

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 2015-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo financial services is reporting a late payment history incorrectly. I mailed in my payments. They issued XXXX account number to me initially then did not inform me until this past XXXX. Also, they charged me for forced placed insurance when I had insurance on the car. I have made all attempts to correct however, theyou only partially corrected it. I also request that the XXXX they changed me be credited to my paments, they refused and credited to my principle balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Filed a complaint through the White House of the USA. Was assigned Case number : XXXX with your agency. 
Property address : XXXX XXXX XXXX, XXXX, IL XXXX The following response was received from the Company : " Response We have been unable to establish contact with XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX XXXX loan concerning the origination of the loan and retention option. XXXX XXXX XXXX, extension XXXX. '' XXXX XXXX is being less than honest. I spoke to XXXX XXXX on XXXX XXXX, 2015, for 17 minutes, at XXXX XXXX. He told me that he would have a response by XXXX XXXX. 

I received the above response on Thursday, XXXX XXXX, and XXXX XXXX left me a voice mail message on Thursday, XXXX XXXX, stating that your agency has given him until XXXX XXXX to respond. 

Given my experience with the modification process, this stall tactic has been well documented by agencies and customers nationally, and seems to be the standard. 

We would appreciate a response from the company, and we do appreciate your help in this matter. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I applied for mortgage loan and found Wells Fargo Dealer Services on my credit report reporting a repossession with a balance due of around {$14000.00}. I never received the proper " right to cure '' required by Colorado law. The XXXX they show as due and owing does not reflect a reasonable effort to sell the car as required by law. I requested they provide documentation of " right to cure '' and vehicle and a bill of sale. They did not provide either and responded with a letter saying everything they reported was correct. The original balance is being reported as around 30,000 and the Blue Book value is XXXX as of late 2010. Wells Fargo has not provided information requested, did not make a reasonable effort to sell the car for its true value and has not met the burden of reporting complete, accurate and verifiable information. I have attached copies of all communication and the Kelly Blue Book Value at the time of sale.

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 2015-12-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I qualified for a HARP refinance and used it in XXXX - without being made aware that it was this was a one time deal. I was trying to get relief from the problem created in XXXX when it was issued at origination as an XXXX split. The reason I wanted refinance was to both get a lower rate and combine the XXXX loans but, my lender did not combine the loans and made me feel like it was to only chance I had to refinance. The second mortgage ( with a different lender ) is an interest-only loan with very poor terms that has a balloon payment coming due in 5 years and I am deeply concerned that I will not be able to cover that payment. I have tried to work with this lender to restructure to pay more principal but because I have been making payments, my negotiations have been in vain. Now my credit score is dismal form trying to make ends meet after experiencing a 50 % reduction in pay since XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I continue to receive " or else '' threatening phone calls from this company. In the voicemails I receive, the man barks at me and demands that I call before XXXX because the issue has become time sensitive and action is pending.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I emailed, I called, I went into the branch and spoke with the manager who gave me XXXX XXXX from XXXX XXXX ; XXXXXXXXXXXX & gt ; to have get my checking accounts, credit cards, and any other statements since 2008. I have been emailing for 3 weeks and today called. I asked for a manager to contact me. I would like all bank statements since 2008. Wells Fargo has robbed me of XXXX in overdraft fees. When asked for a letter from the institution that does direct deposit saying it was their fault why deposit late, I got it. They still robbed me and laughed. The bank robs their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Integrated Recovery Services
State: TX

Complaint narrative:
This company contacted a number where I have not lived in 20 years several times over the course of a month. The number they called belongs to my parents ( XXXX ) and as I stated I have not lived there for almost 20 years. 

My parents were XXXX for several weeks and returned to 14 messages ( which I have recordings of ) from this company claiming they were trying to reach me about a " Legal Situation '' and provided a " Case Number '' to reference. 

One of the messages made a threat that I will be contacted by the Sheriffs Office if I did not respond in 48 hours. 

When I contacted the company they provided a lot of the very same threats, and at one point they stated they have already filed a case in my county to sue for the debt and provide the same " Case Number '' they listed on my parents voicemail. 

He was not able to tell me which district court or XXXX precinct the case was filed, and a quick search on my county clerks website showed there was not case filed with me listed as a defendant, and the case number format given by the company was not even correct. 

The representative eventually hung up on me after he couldnt answer my questionsIt took me asking several times to find out what they were claiming to collect on. I still do n't know. The representative kept saying " you know you owe the money, just pay. " This was the first contact I have ever had from this company. He was not able to answer very basic questions required under FCRA and FDCPA. 

I also believe that they are violating UDAAP by claiming a case was already filed against me and they would send the Sheriff to contact me if I did n't call back. 

I have recordings of all their messages left at my parents phone number as well as a recording of my phone call with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My Wells Fargo home loan " Home Equity Loan ''. Was changed to another loan called " Smart fit Equity Line '' we filed bankruptcy 2 years ago. The home was not included in the bankruptcy chapter XXXX. Wells Fargo has locked my account so I can not make a paymentThey say because of the bankruptcy. I have tried to make a morguage payment on the XXXX and XXXX of this month of XXXX 2015. They also increased my payment which I was going to pay, I have payed this amount XXXX times before with no problem, I have been doing it with difficulties but getting it done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I accepted an Experian offer for information about my credit score for {$1.00}. The offer came with a free 7-day membership in some sort of service, but I never agreed to receive or pay for any service other than the {$1.00} credit score report. I now see that Experian has been charging me {$23.00} per month. I never agreed to this charge. I received an email from Experian congratulating me on becoming a member, but with no disclosure of any fees or costs. ( See attached. ) Now, the Experian site will not allow me to log on with my credentials, and does not send me a temporary password or any other way to log on to cancel this fraudulent subscription that the company created in my name without my authorization. I have written Experian an email requesting them to cancel this fraudulent subscription.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had applied for Wells Fargo Credit card on XXXX/XXXX/2016 which was approved and I received my credit card on XXXX/XXXX/2016, When I tried to get online access for my credit card Wells Fargo refused to provide me with online access. ( I had checking account and credit card with Wells Fargo before with online access. They had limited my online access for concern of fraud however after their extensive investigation they did not find any fraud on my side, however they said they would go ahead and close my account - because of their bad customer service and way they treated me I decided to go ahead and close both checking account and credit card, they said I could eventually open new credit card which I did apply for after a while ). Wells Fargo approved new credit card as mentioned above on XX/XX/XXXX and send me new card, however they are vehemently refusing to provide online access for me to monitor my credit card spending and activity. I spoke to XXXX ( supervisor of Fraud department Ref number XXXX ) and he refused to provide online access after acknowledging that there was no fraud on my part in the past, when I requested them to provide online access like every other banking institute he said " no you can view your activity when you receive paper statements or call in every time '' neither of which is feasible/practically way - calling them I am on hold for XXXX mintues every time and paper statements comes only once a month - I would have no way of knowing fraud charing if it happen in between - putting me a risk of identify theft and financial loss. When I told him about this and said I will file complain to CFPB, he said feel free to do whatever you want this is my decision and I am not gon na give you online access

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 2015-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been paying on time for the last XXXX years a HELOC with TD Bank. Back in XXXX 2015, the bank sent me a letter stated that the terms of the loan will change and I will have to pay the loan in XXXX years with a payment XXXX times higher than the original. I 've been trying to refinance, change the loan terms, a modification, all without success. I am already in default for XXXX months and the bank sent me an intention of foreclosure of the property. This is a XXXX home that is rented and I share ownership with my brother ; the main mortgage on the property is paid off. I do n't understand why the bank do not approved a modification and help me with an affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Since XXXX, I was starting to sign up for financial aid. They had asked me if I had a co-signer to start. I told them numerous times that I have no one helping me. They lured me with words that seemed like it would help me, since I am a XXXX. Well I was able to go to school, But then I noticed that I am getting calls from debt collectors that I owe them money because I signed up for a loan. I told them many times I never signed for a student loan because I had no co-signer. Since then, I ca n't go back to school because of a default of something I never agreed to. The school is called the XXXX XXXX XXXX XXXX XXXX, but now called 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 2016-07-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
A Payment to Wells Fargo for the full balance was made. Wells Fargo continues to hold the payment even now 6 days later. We have made large payments to Wells Fargo in the past and experienced the same issue repeatedly.

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 2015-09-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: AmerAssist A/R Solutions, Inc.
State: MD

Complaint narrative:
Original debt is from XXXX XXXX XXXX dated XXXX/XXXX/10 in the amount of {$250.00} and is now a dead debt. AmerAssist A/R Solutions purchased the account for collections and has placed it in the credit bureaus with inaccurate amount of {$410.00} and a date of XXXX/XXXX/10. I have tried getting this corrected through the credit bureaus with no success.

Company response to consumer: Closed
Consumer complaint received 2016-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Applied for 5/5 ARM ( refinance ) with Navy Federal Credit Union on XXXX/XXXX/2016. As of this date, I am still waiting on an " Appraisal '' to be completed and getting the " Approval Letter. '' Initially my Loan started as a VA refinance but I quickly changed to 5/5 ARM within 5 days of XXXX/XXXX/2016 because of better Interest Rate. 
My Assigned Navy Federal " Loan Processor '' in XXXX, XXXX had no knowledge of XXXX Laws regarding ARM refinancing. I was then reassigned another " Loan Processor '' on XXXX/XXXX/2016 and an Appraisal was ordered on XXXX/XXXX/2016 but NOTHING has happened with this Appraisal as of today 's date of XXXX/XXXX/2016. Still NO " Appraisal '' has been started let alone completed. 
I am still waiting on some REQUIRED " Disclosures '' that still have not been sent to me, namely the Credit Report findings DESPITE the fact Navy Federal Credit Union pulled another Credit Report from TransUnion over 2 weeks ago. 
I was told that I have excellent FICO Credit Scores averaging XXXX between my wife and myself. 
Navy Federal Credit Union " Loan Processing Center '' in XXXX, XXXX in my opinion LACKS the proper training of Loan Processors and they DO NOT follow Federal Laws on " Disclosures. '' Bottom Line, I am now 6 Weeks into the Loan Processing and STILL NO " Appraisal '' has been done on my Property. 
Navy Federal Credit Union may be DELIBERATELY delaying the processing of my 5/5 ARM " Loan '' refinancing so that they can get an ADDITIONAL fee past the initial 60-day rate lock. 
Navy Federal Credit Union " Mortgage Processing Center '' needs to be investigated for purposely delaying process of my Mortgage " refinance '' loan. 
Please HELP. 
My LOAN Number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am an elderly woman trying to get my loan caught up, trying to get a modification for the last 12 months with Wells Fargo. Every week they ask me for new stuff, after I send everything they ask. All of this faxing and overnighting paperwork has been very expensive and very hard for me. I have also spent over {$200.00} getting profit and loss statements from my son 's accountant, but they keep asking for more. I do XXXX sales as a side business to generate income besides my fixed income. I am only trying to save my house and they are making it XXXX. Here is the email last week I got from Wells Fargo asking for documents and I ca n't even believe it. My son wo n't be back for 2 weeks and I do n't know how I am going to find a ride all around town to get all of these things, when what I have already sent should have been plenty! I need some help Wells Fargo will not help me! 
Email from XXXX XXXX at Wells Fargo dated XX/XX/XXXX : ***MISSING INCOME DOCUMENTS** 1. Contact from borrower directly to obtain verbal clarification that she is requesting a modification. - MY XXXX TOLD ME THE RMA ALREADY SUFFICES AS PROOF THAT WE ARE REQUESTING A MODIFICATION, AS WELL AS MY HARDSHIP LETTER 2. Completed Request for Mortgage Assistance to be signed by the borrower at a Wells Fargo branch office and notarized by a Wells Fargo employee. This signed RMA must be faxed directly from a Wells Fargo Team Member in the branch. - I AM XXXX. THIS IS AN UNNECESSARY DELAY! 

3. Transaction history for the past 3 months for business transactions. This must be provided directly from XXXX. 
- I DO N'T EVEN KNOW HOW TO GET THIS! I CA N'T CALL XXXX TO HAVE ANYONE SEND IT DIRECTLY ... I DO N'T KNOW WHAT TO DO. MY COUNSELOR SAYS THIS IS NOT NECESSARY BECAUSE I PAID MY ACCOUNTANT EVERY TIME THEY ASK ME FOR A NEW P & L AND THAT DOES N'T WORK, NOW THEY ARE ASKING FOR THIS! 

Please help us. My counselor has tried very hard to help me get through this but we keep hitting a roadblock. I give my formal consent for Wells Fargo to speak with XXXX XXXX or XXXX XXXX at XXXX XXXX XXXX regarding this matter, I am attaching it in writing also as well as my ENTIRE packet of documents that were ever submitted to Wells Fargo. 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 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Windham Professionals, Inc.
State: NY

Complaint narrative:
I CONTACTED THEM FIR A SETTLEMENT DUE TO XXXX OVER THREE MONTHS AGO AND HAVE NOT BEEN GIVEN A DECISION YET.

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