vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
On/about XXXX XXXX 2016 I applied for a Discover it credit card on XXXX. On XXXX XXXX I got an email confirming that I was approved for the Discover it card and that {$50.00} gift card was loaded to my XXXX account as part of my approved card, which would be mailed to me. Around that time I also checked my credit reports on creditkarma and found that my XXXX credit score was excellent. XXXX scored slightly lower and " good. '' By XXXX XXXX I still had not received the credit card from Discover and I became concerned. I called Discover at XXXX and told them about it. They said they would close my account ending in XXXX and issue me a new Discover it card with a different account number and it would be mailed to me in 3-7 days. They confirmed that they do have my correct address. I asked what the last XXXX numbers of the new credit card would be and customer service said they ca n't tell me. 
I called Discover the next day and asked if they would -- per the Discover it card terms on XXXX -- send the replacement card by overnight shipping. Customer service put me on hold a few minutes then came back and said yes the card would be sent overnight shipping. So I 'm not sure what " overnight '' means in Discover land but it 's been longer than overnight in my world. 
My complaints are XXXX : Why is this credit card mailing being delayed? I noticed that the " approved '' Discover it card has been deleted from my list of credit cards on my XXXX account. And no further notice of approval has appeared on either my amazon or been sent to me by email. I 'm sensing an element of deception here. 
XXXX. My credit scores as of today have dropped XXXX points and XXXX points respectively for XXXX and XXXX. The only recent change in my activity has been my application and approval for the Discover it card that never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am a XXXX year old single, XXXX woman who applied for mortgage refinacing under the HARP program from Wells Fargo. My story could be a best seller relating to all the wrongs Wells Fargo, XXXX, XXXX XXXX XXXX and XXXX XXXX do to their customers. 
Because my story is a long one full of descreprencies and discrimination aagainst me, here is my present situation. 
Wells Fargo REFUSED to both lower my interest rate which is presently at 5.6 % or lower my payment. However, they did decide to lengthen my conventional loan of 30 years to 45 years..thus lowering my payment from {$1500.00} to {$1400.00}. I would never be able to pay this loan off, but this was their best and only offer of assistance. 
I need help refinancing which is why I applied in the first place. I lost all of my money in the stock market due to fraudulant activities of the companies executives..but until it is resolved in the court system, my only income in from Social Security XXXX and a small annuity adding up to {$1600.00} per month. 
As you can see my situation is both desperate and immediate and I feel that WF is just waiting for me to miss a payment ... which will be next month if I do not get help ... .so they can foreclose on me. 
My home is up for sale but so far no takers. 
I truley and justly feel that I have been discriminated against. 
Please, I want to keep my home. I need for WF to do what the HARP program promised they would do ... lower my payment. 
Because I feel I have a just case against them, I want them to grant me a large reduction in my payment ... a reduction of {$500.00}. 
This would help me to keep my home, which is the sole purpose of the HARP program. 
I could go on to give you a list of all the wrongs that these companies have done to me in the past 10 years. It is time for them to stop and undo the damage. 
Thank you for your assistance with this most urgent problem. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I set up an Account with WellsFargo in 2008. I made a settlement to pay off XXXX account. Today I received a call saying I have another account that needs to be paid off. Again they made another settlement. I just want to be sure that I 'm not just giving wellsfargo money after reading about all the fake accounts.

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 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The most recently case : I contact with Wells Fargo they my case # XXXX. XXXX XXXX XXXX XXXX. I just opened a checking account in XXXX then after I got a letter to stating I applied credit card with Wells Fargo ( which I did not authorized ). After this Wells Fargo send me letter say they closed my checking account, because I am red flag with Wells Fargo. I 've been contacting with them multiple times, they said back then XXXX I had account with Wells Fargo, also accuse me the reason not allow me have account with Wells Fargo because " My account '' shows I am doing illegal things. Since then Wells Fargo put me in their red flag. This been really ridiculous because I lived in XXXX attending my school, there is no Wells Fargo bank in XXXX state. ( Move in XXXX on XXXX ) I 've been calling every month, the bank been give me a hard time, play the phone game ( I 've been talked to XXXX departments with Wells Fargo ). I asked them to check or give me more information about " the account ( which opened in XXXX ) '' they could n't find anything on that. after six months they send me a package with " personal identity stolen or protection blablabla ''. That 's it. Since then Wells Fargo not allow me open account with them. So this whole story from unauthorized credit card application to accuse me illegal activity " account back opened in XXXX ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I took a private student loan out with XXXX XXXX in XXXX. I was in deferment of this loan until XXXX/XXXX/XXXX due to half time school status. In XXXX XXXX of XXXX, the loan was bought out by Wells Fargo. By XXXX XXXX, I was told that i was already {$230.00} past due. I have record of payment for XXXX through XXXX with the request of a forbearance in XXXX XXXX. With no word on forebearance I continued to struggle through payments. However, payment was made in XXXX and XXXX and on XXXX XXXX XXXX, I was defaulted. I worked with them to rehabilitate the loan despite continued hardship and the deferment of my other federal loans. I have record of payment to rehabilitate the loan from the XXXX after deferment to XXXX. In XXXX of XXXX, the loan was sent to a collection agency ( XXXX XXXX XXXX ) They offered to settle out for {$8400.00} which I did not have. I told them my financial income and expenses and said I could make payments of {$150.00}. They would not agree to this and continued to harass me until the following XXXX XXXX XXXX ). Messages for this debt have also been left on my phone for a XXXX XXXX. The loan was then passed off to a second collection agency which also harrased me and tried to take {$2000.00} from my checking without authorization. My bank denied the transaction. Harrasment became so bad and they were so unwilling to set up a payment plan that a cease and dissist letter was written so that they stopped contacting my employer. Since XXXX of XXXX, I have worked to try and continue sending payment. However I have no access to my wells fargo account online and neither the collection agency or wells fargo will return a call. The money I have sent is continued to be cashed but i have no way of seeing how much is owed ( if any ). Therefore, I have no way of settling out or continuing to make payment and know that it is being applied legally to the loan. Despite any past hardship I might have had, I paid this loan in accordance to the promissory note terms and feel i was illegally put into default. Regardless of the default I am now able to pay this loan but currently have no way of knowing where my money is going and what is left to pay. Any help is appreciated!!! I am working hard to do the right and honest thing.

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 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Consumer Real Estate Finance Co.
State: PA

Complaint narrative:
When I had initially shopped for a mortgage, I was approved for {$100000.00}. My wife and I found a house. We negotiated a price with XXXX % sellers assist. The mortgage company told me over and over again my closing costs would be {$3800.00}. I put down {$1000.00} as my earnest deposit, which was supposed to leave a balance of {$2800.00}. Working with the title company I did not have a cost until the day of closing, I had received several different amounts. The day of closing we were given a fee. I went to the bank, got a check for the amount went to closing and was told it was wrong. I sat there and waited 3 hours for them to correct the numbers, they could not. In the end the bank had went home and we couldnt do anything. Then Monday they requested all of the funds for the mortgage to be returned to them and we had to wait an additional week to close, which again they had incorrect numbers. We also had to pay an additional {$110.00} in taxes and interest for waiting the additional time to close. In the end my closing costs ended up being {$5800.00} plus the {$1000.00} earnest deposit. The company claimed they were n't aware of certain fees that came up and that there was nothing they could do about the costs. Even though the title company has proof they sent them the fees to be included into the closing disclosure they chose to ignore those fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo Customer Service Account : XXXX XXXX XXXX, last XXXX Soc-Sec : XXXX Email : XXXXXXXXXXXX Subject : Two-factor authentication using Text message code sent to mobile phone in USA. 

I am XXXX living in XXXX with XXXX mobile phone number. 

I ca n't use Wells Fargo two-factor authentication without calling Wells Fargo customer service and going through a inconvenient and exasperating I.D . process of giving account & debit card numbers including Soc-Sec number. 

I do n't like giving account numbers over the phone which could have security issues. 

Why ca n't Wells Fargo send two-factor authentication text code to my mobile phone in XXXX? 

Or send text code to my Email address or XXXX XXXX? 

Finally, there must be thousands of XXXX living in foreign countries that have the same problem ( no USA phone number ) as I do with Wells Fargo 's two factor authentication text code online sign in. 


Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau.

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 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been refinancing XXXX home mortgages. The mortgages are currently with Wells Fargo, and the refinancing was to be through Wells Fargo. The process was started in XXXX, when interest rates were near their all time lows. I was given a rate lock in at that time. They failed to process the loans in a timely fashion, they claim because of a large volume of loan applications and not enough staff to process the loans in a timely fashion. When the loans were being processed, they could not get the HUD correct XXXX XXXX HUD had a closing cost of {$49000.00} XXXX. This required extension of the rate locks, which I have just been informed, incurred a cost to me for the extensions. 
Additionally, they are refinancing XXXX loan at the original equity balance present when the process started, and are not giving me credit for over {$4600.00} in principal that has been paid since inception of this process. Therefore, on XXXX loan, the closing costs are {$3900.00} but the real costs are in excess of {$8500.00}. This problem is in addition to the previously stated lock rate extension costs they have added to the closing costs. This, to me, is a bait and switch. 

I am supplying documents for XXXX loans. The primary residence AND a XXXX residence

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was n't sure which category to select -- this is regarding XXXX -- trading. Of course after sending a total of {$80000.00} I finally figured out that this company just takes and takes and a person can never win. I asked that the taxes I paid be part of my account and they gave it to me as a " bonus '' - total {$42000.00} -- which I can never get back unless the money I lost is recovered which I read never happens. Read they were a scam. My account is now down to {$3100.00}. This was my retirement ( IRA ) money and their talk was good to get me to 'enroll ' by sending in the initial {$250.00}. They are unrelenting in asking for more money. I did no trading on my own until I was down to about {$5000.00}. Their trader ( s ) did it for me prior to that and I 've lost nearly everything. Their were XXXX different transactions/funds sent to XXXX. Any way to recoup?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In 2013 I had applied for Mortgage refinancing loan with Wells Fargo. The loan was not approved because of the low appraisal value of the property and so it never closed. 
However, XXXX years later I learned that Wells Fargo had placed a lien on my property even though I do n't have any loans with them I do n't owe them any money. 
I had sent my request and explanation to Wells Fargo ( by fax on XXXX ) asking them to remove the lien from my property and to send me the release letter stating that I do not owe them any money ( which I need to be approved for a home equity loan ) but so far I was unable to get the lien removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have XXXX credit card accounts with Wells Fargo. I accidentally paid off the wrongcard and now they have charged me the accrued interest on the only remainingcard. I mixed them up and paid off the card that was n't due until XXXX and thecard due in XX/XX/XXXX has been charged over {$900.00} in interest. Both the other cards were paid off. I did not have any late payments, all monthly payments on all XXXXcards were paid on time previously and I have excellent credit. This was a terrible oversight as I have XXXX serious illnesses and I am on XXXX. I have sent them a letter by a fax XXXX times and they have not responded. I can pay off the entire balance due ( minus the deferred interest ). 
I have no money otherwise for this deferred interest as I am on a strict budgetfrom XXXX. This was a terrible mistake and I am begging someone to helpme with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I did not get anything other than the logo that I was promised. 

XXXX/XXXX/XXXX : Press Release XXXX log on info provided ( so I could write my own press releases ) XXXX/XXXX/XXXX : Provided a press release for XXXX which I edited and returned on the same day XXXX/XXXX/XXXX : One article for XXXX ( XXXX Article ) - Problem : the article promotes a watch I do not have for sale on the site XXXX/XXXX/XXXX : Provided the revised version of the Press Release sent XXXX XXXX XXXX/XXXX/XXXX : Provided a second article for the XXXX site XXXX/XXXX/XXXX : Provided a third article for the XXXX site that is promoting the same item the second article had promoted XXXX/XXXX/XXXX : I sent an email requesting clarification with regard to what exactly they were supposed to be providing per our agreement XXXX/XXXX/XXXX : They responded to the above request by directing me to contact their fulfillment department XXXX/XXXX/XXXX : I received XXXX Article # XXXX to which I sent a response asking what I am supposed to be doing with the articles and where the press releases are sent along with the question : do I send them out or do they. I further expressed concern over lack of communication and my inability to contact them by phone ( I have forwarded that correspondence to XXXX office. ) XXXX/XXXX/XXXX : I was provided with the final logo for XXXX XXXX/XXXX/XXXX : I received a response as to why XXXX Articles are important, but not explaining what I was to be doing with them. They also included the fifth XXXX Article. 

XXXX/XXXX/XXXX : I responded to the XXXX XXXX email from them and asked for more clarification XXXX XXXX - XXXX XXXX Multiple back and forth emails attempting to schedule an appointment with no luck.

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 2016-03-11 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My ex-husband forged my signature, deposited a check from the XXXX with XXXX our names on it ( after changing the mailing address with the XXXX to his own personal apartment where I have never resided ) and he cashed and deposited our joint check at Navy Federal Credit Union without my knowledge or consent. I was not present when this check was forged and deposited, I did not sign this check, nor did my ex-husband have my ID or permission to do this - Navy Federal to the best of my knowledge did nothing to prevent this from occurring. I have called and visited Navy Federal Credit Union and spoken with numerous representatives there and no one can confirm what their policy and protocol is to prevent such things - XXXX representative at the XXXX branch of NFCU said their policy is to have XXXX named individuals on the check present when the check is cashed and/or the person depositing the check has to have the other person 's ID with them if the other person is not present - neither of these things occurred when my ex-husband forged my name, cashed and stole this money from me at Navy Federal Credit Union. I called and spoke with a representative at NFCU 's Fraud Department and another in their Security Divisions, and they said this is not their policy ; there is a real lack of consistency within Navy Federal to even define what their policy is and how they prevent such things ; I do n't think they know as evidenced by how they have handled this situation. There is a significant lack of care, compassion, security and dedication on Navy Federal Credit Union 's behalf to 1. prevent 2. correct such actions from occurring. What my ex-husband did was a crime and Navy Federal Credit Union did nothing to stop him and facilitated him more or less in doing it by not having stricter enforcement ( or perhaps even any policy to begin with ) that prevents such things from occurring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have submitted a Complete HAMP Loan Modification Package to Wells Fargo on XX/XX/2016, through my 3rd Party.Wells Fargo received the XXXX Page submission on their Fax No. : XXXX. They confirmed receipt of this Package.I am attaching a copy of the same, for your ready reference. As you can see from there, I am fully eligible for a HAMP Loan Modification. 
However I am surprised to learn today that Wells Fargo declined my Loan Modification saying that : " There is no change in my financial status '' What do they mean by that? Do they want me to lose my job or what? First of all I was never reviewed for HAMP and I am told there is no such condition in HAMP. Are they free to do whatever they want? Have n't they signed up for HAMP and if so, is there no regulator who is overseeing them, for the proper implementation of HAMP guidfelines?

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 2015-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Hameroff Law Group, P.C.
State: AZ

Complaint narrative:
I got a car loan from XXXX XXXX XXXX XXXX. At the time I could afford it and was making my payments. I lost my job a year and a half later ans went from XXXX to XXXX in one year. I turned the car in and was sued by Hamerhoff Law Group in XXXX They attached it to my home title and now I am becoming homeless. I called to do a settlement on XXXX so I would have enough money to move and still paying them XXXX but I was told too bad by a very snobby and rude assistant named XXXX. I asked her if there was any way of settling the account and she said no way and kept saying WHAT IS YOUR OFFER!!! ... .Remember I turned in the car. Not only that, I gave my brother and his family money to move for they have children. I can not believe that there is no compassion for people any more. I need a solution to be able to pay them and still have money to move. 
Thank you ...

Company response to consumer: Closed with explanation