vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I got behind on my payments and have n't had a chance to get caught up but they continue to call over and over. I ca n't answer and reason with them because they do n't want to hear what I have to say and if they are offered a XXXX dollar payment it is n't good enough. I was going to pay twards my account but my wife had to use all the money we had to go twards hers so I could n't pay anything on my account so they call me every day now even on the weekends. When you do talk to them they try to bully you into renewing your loan even when you say you do n't want to. I 'm tired of dealing with them and it 's about to the point where I tell them to send it to collections and I will just pay it off that way I ca n't stand to deal with them anymore

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 2015-09-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have a business credit card with Wells Fargo bank. XXXX this year they have held my payment until it was past due and then charged me a late fee and finance charges. The statements in question were due on XXXX/XXXX/2015 and paid on XXXX/XXXX/2015 and XXXX/XXXX/2015 and paid on XXXX/XXXX/2015. On both occasions I called and complained because it appears the payment I make are being held until the XXXX of each month, before they process them and I am told on XXXX occasions that is when they were received. I live in XXXX and the processing for Wells Fargo is in XXXX XXXX. Mail service generally takes 3 days for delivery between XXXX and the XXXX, yet some how no matter when I send the payment it is not processed until the XXXX of the month. Wells Fargo has denies any wrong doing, but has refunded the late fees, but refuses to refund the finance charges of {$3.00} and {$1.00} from these XXXX incidences. I have had enough of this banks practices and hope your agency will look into these questionable practices. They have told me I could give them access to my checking account so they can make direct withdrawl of funds or I can pay the bill at one of their banks, but they do not recommend sending a check through the mail anymore. I should not have to go out of my way to make these payments because of their practices of holding payment checks until the XXXX of the month even though it was sent in plenty of time before due. I have XXXX accounts with Wells Fargo and I am going to seriously consider changing banks after 20 years of banking with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
When I first signed my mortgage with Wells Fargo it was NEVER explained to me that although I had a fixed mortgage rate that it could possibly rise every month due to a shortage of funds in escrow or because my insurance premiums went up. In XXXX, the mortgage went up to an additional {$89.00} a month to {$1300.00}. In XXXX, the mortgage went up another {$53.00} to {$1400.00} with no explanation ( I ca n't find any documentation online, nor did I receive anything in the mail ). So that 's a total of {$140.00} since I first signed my mortgage agreement and that is ridiculous.

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 2015-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In 2003, we got an FHA loan through Well Fargo Home Mortgage. The payments then were supposed to be fixed at about {$350.00} a month. Through the years, they have raised our payment to almost {$600.00} a month. We have gotten several loan Modifications on our mortgage to try and bring the payments down. My wife and I are both XXXX and on a fixed income so two years ago, so we got a form from a Texas State agency so that we would be exempt from paying school and property taxes but, Well Fargo refused to accept the form, and still made us have to pay taxes. Then later on, we had storm damage on the roof of our home, and was given an insurance check to make the repairs but, Well Fargo waited almost a year, before they signed the insurance check, to make the repairs, By then the damage had gotten worse because of the delay so the roof was not properly repaired. 
Then later on we decided to try and list the house for sale and we had a realtor sign out in front of our home, Wells Fargo came by and saw the sign and told us to " REMOVE THE SIGN '' or they would foreclose on us. Our purchase price was around {$65000.00} and now, XXXX years later, we still owe almost {$55000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Disputed an ( Open ) Account # XXXX that, should be of a Pay Status of a Collection/Chargeoff Since, 2010. 

The Pay Status is Listed as, Current thus, effecting my Ability to Reduce my ( # of ) Open Accounts and Reduce my Rent Cost in Order to Pay Bills. 

Limit XXXX Balance 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 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc.
State: NV

Complaint narrative:
Keep getting calls from Windham Professionals to collect a debt from XXXX XXXX. We have called the number XXXX as the message states to indicate we are no the party to discontinue the calls but they ignore the pleas.

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 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo servicer of my mortgage invested by XXXX continue denying a fair review of my Request for a Loan Modification submmited basis on the " supposed '' fact that my mortgage is affordable, when is NOT. WF did not consider on affordability calculations, property tax payments ( do it by myself ), home insurance ( do it by myself ), HOA and Cluster ( both do it by myself ) as part of housing cost. When I include total housing cost my back to debt ratio is more than XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My complaint concerns : Bank account fees all credit and retail cards. It is a disgrace that the banks and retail are making money by charging high over draft fees. All charge XXXX . I had to cancel my bank account because of those fees. It cost me! XXXX of my social security check. I had made a mistake when I used my on Line Banking account with Wells Fargo. I also had a problem with Target. That overdraft fee was XXXX dollars because my last payment arrived on time but was a dollar short. Needless to say I cancelled the card .and paid them off. We are in a depression. Banks and retail love it. They make a lot of money with it, in today 's times. The lower middle class is suffering enough, and all the poorer folks are really suffering. The outrageous fees are not helping any one except the banks. Yes they all have a one time grace period but after that, there is no reversal of fees. They are making XXXX dollars. This system is a self defeating cycle. 
This issue needs to be addressed. Who decided that fee, and why is there no competition among banks to make it lower? I can only hope more people like me make a complaint in order to change it. 
XXXX XXXX, XXXX NC 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 2016-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FBC MORTGAGE, LLC
State: CO

Complaint narrative:
I have been in your home for XXXX years and have an FHA Loan. I have a solid previous payment history and in XX/XX/XXXX you lost your job. Within a week of losing my job I filed for Unemployment benefits and contacted the Mortgage Company ( FBC Mortgage ) for assistance. I called and spoke to several agents, requested a loan mitigation package, and filed all the paperwork that the bank requested. And yet, when I called for a status Friday XXXX XXXX XXXX, I was informed that they have put me into foreclosure, without resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have had repeated issues endeavoring to obtain a loan modification from Wells Fargo, with my having remitted the last XXXX months payments in good faith, all of which were accepted by Wells Fargo, though apparently I was denied for a loan modification. To further compound the matter, they indicated on their website relative to my actual loan that I was " pre approved '' for a loan modification. Upon calling today, I was told they knew nothing of what they inputted. Not only strange conduct, but frankly it amounts to intentional or at least negligent infliction of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I do n't know how many times I am submitting complaints to this bureau about Wells Fargo regarding a property that I bought in XXXX. It has been the same thing : the round around from Wells Fargo with no resolution. I deal with a lot of companies, which care of their name and reputation. They always end up listen to me and work to resolve any problem that comes up, but with Wells Fargo my complaints fall on deaf ears. XXXX representative told me that he is well aware of my issues but stopped cold turkey to help me. Basically Wells Fargo is not accountable for their actions and it seems nobody can stop them. 
For the past couple of days attorney XXXX XXXX and a lady by the name of XXXX from XXXX XXXX called me to tell me that my property in XXXX is going to be auctioned in XXXX XXXX, XXXX in courtroom XXXX at Supreme Court in XXXX. The latter told me that Wells Fargo made my records public to auction my property because it is on foreclosure, which means I failed to pay them. They kept on asking me about XXXX XXXX, which I never met. XXXX of them gave me Wells Fargo attorney to call, which I did but nobody picked up the phone. I can not believe a bank can do that. If I have ever owe them they have to address the issue to me not take me to court like that. I definitely Wells Fargo is up to something and NOBODY is NOT HELPING.

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 2015-10-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
A situation has occurred that I believe disserves attention by your bureau. 
We are in the process of purchasing a home. We have paid off all of our credit cards, a car purchased for people from XXXX and XXXX of the houses. Our loan officer has asked us to obtain letters from each of the credit cards and banks showing that we have a zero balance. 
Everyone has been very helpful except for Dillard 's XXXX Credit Card. I called this morning, requesting a letter so we can close on XXXX XXXX, 2015. My husband is having XXXX on XXXX XXXX 2015 and will not be able to lift anything for several days. We want to move a trundle bed, table and chairs, and assorted items into the house so we can go and work on the house. 
We have been married 12 years, dated for XXXX and this will be the first time we will be able to live together. We are very excited to have this happen. 
Dillard 's will only mail out the letter, I need it this week. Everyone else was able to fax or email their letters within a day or two. Dillard 's employee " XXXX '' was so rude, he just kept upsetting me more and not helpful. I asked for upper management and he put me on hold for several minutes, came back to tell me that no one was available and made me so angry with his repeating to me over and over the same information. I finally had to hang up. 
So, I went to Customer Service at Dillard 's in the XXXX XXXX XXXX in XXXX, Colorado. Asked to speak with the store manager and was told she was at lunch. They took my information and said she would call someone when she returned and then call me. I have not heard from her and it 's been two and ahalf hours. 
I have a Dillard 's XXXX card. So, while waiting I called XXXX XXXX to see if they could help. We spend several XXXX dollars with XXXX XXXX each month. We are impressed with their servcies, they are wonderful when you have an issue on a purchase. They inform me that they do n't have anything to do with Dillard 's XXXX, I think that is false advertising. Why put XXXX XXXX on the card if you ca n't access your account and then the payments are handled through Wells Fargo Bank. What a fiasco! 
I should be able to have my credit information available immediately from Dillard 's. Having to wait ten days for the letter that I have zero balance, considering the day and age we live is absurd. They are going to cause us time and money, we will have to pay for someone to help move these items, We are in our sixties and I can not lift the beds by myself. 
Whatever happened to people helping others, why ca n't this company be like everyone else and email or fax this letter to me or my loan officer? 
I really doubt that XXXX '' even sent in the request for the letter, I have no faith in anyone at Dillard 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have paid my Wells Fargo mortgage loan on time ( actually I am one payment ahead ) for over 10 years but all of these payments are not showing up on my credit report. The account was reaffirmed, however, there has been no payment history reported since XX/XX/2010. I am in the process of applying for another mortgage and need to have this history updated on my credit report immediately so that it can be factored into my overall credit rating.

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 2016-11-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo charged off my student loan in error two years in a row. I tried to resolve this with Wells Fargo for over a year.

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 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I 'm a member if navy federal. I have a auto loan with them and last year I was late paying my auto loan and last month also. Well they locked me out of my account online and on their app until Im able to make the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I borrowed a loan from CashnetUSA.net for {$800.00}. They have added an amount of fees that will total {$2300.00}, more than {$1500.00} past the XXXX owned. They have scheduled payments twice a month at XXXX for XXXX payments. This is outrageous!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Seeking assistance from Wells Fargo dealer services to defer my late payment/outstanding balance to the end of the loan to help bring my account to current status. When I call for assistance they are extremely rude and unhelpful, I also sent an email last week and have not heard back. They continue to call our friends and family and our cell phones constantly harassing us with no alternatives. Please ask them to review request to defer loan and to please stop calling our friends and family for both myself and my wife 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 2015-06-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wellsfargo bought out the prior company that managed Dillards and I was no longer getting my bills. Account was paid off during transition and then I made a purchase but never received the bill. Now they are reporting it late. A lot of my info did not transfer over from the XXXX company to WF

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is having a representative with a furniture company who is misrepresenting the terms of the finance agreement. We were told the terms were no interest for one year and after a year interest on the remaining balance. So after a year we were charged interest on the balance we had already paid. I am sure it is in the small print, but how can they have a third party define the terms when they benefit from the purchase.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
i have paid, my credit card monthly online, as I knew I was going on my honeymoon in XXXX I went in on the card holders site and pre schedule the last payment of {$12.00} to come out ... to my surprise when i got back from my honeymoon and check all my bills they all drafted but this XXXX ... the bill was due XXXX/XXXX/XXXX i went in and made the payment on XXXX and call and told their customer service their online system did n't draft the payment. They have now reported 30 days past due on my credit report as of XXXX ... but just sent me a new bill saying the {$12.00} is due XXXX/XXXX/XXXX ... this company billing system is completely miss leading and not functioning properly they have destroyed my credit over a {$12.00} bill that has been paid! Please assist me in getting this corrected the card holder is wells fargo, I have had the card since XXXX and never had a 30 day past due on any of my cards. I 'm a real estate agent and investor and know the importance of credit, this is going to cause all of my creditors to increase my interest rates! the company is wells fargo 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