vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
. In XXXX XXXX I inquired about this account concerning an error on my bill. XXXX XXXX Bank would not talk about the details of the matter at hand or the account 's history. I followed up with a letter dated XXXX XXXX, XXXX. This was in reply to the XXXX XXXX, XXXX letter sent to me. At this point in time had ten cycles of six months minimum payments made to request the APR to be removed from this status so I can pay off this debt. I was never over 60 day past due. Please look at XXXX action taken by XXXX, the Experian Credit Reports dated XXXX XXXX and XXXX XXXX, XXXX for the XXXX and compare it to the Experian Credit Reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for the XXXX period. They are different. The later reports ( XXXX and XXXX ) were used by them to justify the action. My case never went into debt collection. I was receiving updated credit cards during the years, and I had purchasing rights see XXXX XXXX billing statement. Please evaluate my case in regards to the Credit Card ACT and FEDERAL RESERVE SYSTEM 12 CFR Part 226 [ Regulation Z ; Docket No. R-1370 ] See 226.9 ( h ) ( 2 ) ( i ), ( h ) ( 3 ) ( ii ) .Truth in Lending Law. 

I am highly concern about XXXX XXXX future reporting on this credit line item because it is an open-line capital account : line of credit with no collateral. This account is based on solely on my good credit history and my credit rating. This action questions my inability to pay to other creditors and not the dispute between us over the high APR rate 27.240 % for accounts in defaulted on contract. I am fighting to change the APR rate, pay the debt, protect my good credit history, and my future financial creditability. I have learned from the XXXX ( letter dated XXXX/XXXX/XXXX ) that XXXX blocked my ability to get loans possibly indefinitely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a commitment to pay off a closed credit card debt of around {$25000.00} with Wells Fargo bank. I was paying the {$800.00} a month as agreed. On XXXX XXXX, XXXX I had a XXXX XXXX and went into the hospital for three weeks for XXXX. While in the hospital I called Wells Fargo and told them I could not physically get out of the hospital to get to my computer to make the payment. In the meantime I received several payments form clients which were already committed to pay subcontractors. When I returned home on XXXX XXXX and as XXXX as I was I wrote out a check and a letter of Introduction for my grandson XXXX who was my XXXX and asked him to go make the payment. He had a lot of errands and did n't get to the bank in time. On XXXX XXXX, XXXX I went online to Wells Fargo and was stunned to see that they had STOLEN {$24000.00} from my account ( which was committed to paying my subs ) and applied it to my credit card without a warning, a notice or permission. This is outrageous. We put money in the bank for safety so robbers wo n't get it -- little did I know that Wells Fargo were the robbers.

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 2015-09-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My name is XXXX XXXX, I am writing regarding my house XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX, I have been trying to work with Wells Fargo for the past XXXX months to make payments on my home that is being up for sale for Foreclosure on Friday XXXX XXXX 2015, I made my payments but is still being Foreclosed, I was NOT NOTIFIED of the Foreclosure Auction Sale date for my home, I found out by my Renter frantically calling me XXXX days ago, saying a real estate agent came to the house and told her the situation, I was told by XXXX XXXX, that she was waiting on XXXX to make a decision on the acct, But I called XXXX and they said they did n't know what I was talking about, I also talked to XXXX XXXX with XXXX XXXX XXXX, I told her how my account is supposed to be under review, she told me that she could postpone the Sale if someone from Wells Fargo would call them and tell them to post pone the sale until further notice .But No one will do so. So I am confused why No One is willing to help me, me and my family have been a customer with Wells Fargo way over XXXX yrs, and this is how we get treated. I was told XXXX XXXX is the person on the top of the Mortgage section, but she will NOT return our calls, we leave her messages, when we do get a hold of her, she says she 'll call back but does n't. No one will help me, this is my only chance of saving my home that is supposed to be left for my kids. I hope I will hear from someone by tomorrow..I 'm sure the President did n't give the banks a Bailout, to treat us citizens this way ..I am begging the bank to take my money but they 're making accuses for not taking it, now that finally took the payments, they 're sitting on it, so my house can go Auction sale on Friday the XXXX. So I am getting the run around by Wells Fargo, and they will Not tell me who they 're waiting on to continue with the case.. Please help I can be reached at XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
In XXXX, XXXX I contacted Wells Fargo because it appeared that they were not applying my payments correctly, bi-weekly as they were paid. They explained, they were not obligated to do it that way, but in the future they would draw down the payment amount from my bank account themselves and credit anything over the amount owed to the principal on the house. At this point, I forgot to stop my automatic payments I had initiated fro my account, so Wells Fargo was receiving over twice the amount I owed them each month. Instead of applying it towards the principal, they used it as a pre-pay towards my future months dept. I contacted them today to explain the error and they stated they could only rework three months of their error. This seems as if its against the intent of the prompt payment crediting regulations. They had my instruction ( which is recorded ) to apply any extra funds to my principal. I would appreciate if you could help me resolve this issue.

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 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a complaint ( XXXX ) after weeks of trying to get clarification on the forgiven amounts for my modification. Someone - spoke too fast to hear clearly - called me today at XXXX. I was told the person who would be responding, XXXX XXXX, was unavailable and might, perhaps, maybe, would maybe contact me on or after XXXX XXXX to address my questions -- did not say she would provide the financial details, just that she might address my questions. I asked if someone else was available since I have been trying to get an answer for almost a month now ( and getting nothing but run around ). " No, there is no one else who can assist you. '' I was told. 

Wells Fargo has thousands of employees -- all dedicated to giving consumers the run around, creating problems for consumers, and making it a full-time job for a consumer to get a simple answer from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have just discovered that without my knowledge or consent Wells Fargo extended a mortgage that I am on an additional 14 years. How can it be legal for them to burden me with 14 additional years of indebtedness? I do not want an extended loan. I want the original terms. Can terms be changed without my knowledge and consent and then still hold me liable?

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 2016-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have an Home Equity ine with Wells Fargo , NA, since they acquired Wachovia Bank. Since the changes in FEMA 's Flood Insurance Maps, Wells Fargo has insisted that I obtain Flood Insurance on the property mortgaged. The requirement was for the amount of the lien against said property. Since last year, Wells Fargo has billed me for an excess of the amount of insurance they claim I require because their figures show a lien amount in excess of the amount of the Actual lien. I have called Wells Fargo on XXXX/XXXX/15 and this situation was supposed to be corrected. To date, Wells Fargo has not reversed the charge of {$740.00}. Today I have had to call Wells Fargo, NA., Insurance division again to try to settle this. I am of the opinion that I am not he only customer that Wells Fargo is trying to " extort '' this way and I feel that this should be looked into seriously. Wells Fargo has stated to me again that it will take 10 days for them to " research '' the lien and asked to be called back. They refused to send an e-mail or correspondence with an answer. Please help.Sincerely, XXXX XXXX XXXX

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: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
offered opportunity to apply for a Wells Fargo Credit Card. My application was denied by W/F Bank based on incorrect information presented by XXXX Credit Reporting Co. 
W/F Bank they denied card based on 1 ) serious delinquency,2 ) Delinquency time frame too recent or unknown,3 ) Proportion of balances to credit limits is too high on revolving accounts. we have had a W/F Mortgage since XX/XX/2003., and have never been late or untimely with our payments. We recently refinanced our mortgage with W/F and have never, never been untimely with payments. W/F reported to XXXX that we have been late or untimely during the refinance period ... which is not true ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
An unauthorized withdrawal was made from my checking account with wells fargo. they were informed, XXXX emails, XXXX phone calls, They have not answered the emails, put me on hold then hung up with the phone calls. Refuse to refund my money, but continue to charge me overdraft fees, for items that would not be overdrawn if they had taken care of the unauthorized withdrawal. In short, they refuse to help and are making money off their refusal at my expense. They are extremely arrogant.

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 2015-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX of XXXX we were referred to XXXX XXXX at Wells Fargo Bank for help applying for a home mortgage. We explained that we have a foreclosure in XXXX and credit card debt. XXXX assured we were eligible for a mortgage, emailed a pre-approval letter and encouraged us to begin looking for a home. We found a XXXX home in XXXX XXXX of XXXX, which we bide on and our offer was excepted. We contacted our attorney and arranged for a home inspection. At the time we lived in a rental in XXXX so I flew to Il to see the home before turning over {$1000.00} in earnest money. We paid XXXX for the home inspection and emailed copies to Wells Fargo and our attorney in XXXX. We hoped to close in late XXXX or early XXXX as our lease would end XXXX the XXXX. We checked in with XXXX XXXX weekly and were assured that everything was fine, but at the end of XXXX were told that the underwriters had rejected out application. The foreclosure had to be three years old for us to be eligible for a home mortgage. I question why we were not informed of this from the beginning. We were devastated, our lease was almost up, we had no where to go and our money was tied up in escrow. We requested our money be returned and the real estate agent informed us that she need a formal letter of rejection from Wells Fargo which I requested. XXXX informed me that the letter had to come from the corporate office and had no idea how long it would take to get it. I waited two weeks and called the corporate office my self. The response was quick, the manager called me back the same day. They told me no one had requested a rejection letter on our behalf from XXXX. The letter came the next day and I had my escrow money by the end of the week. I want to know why mortgage agents are being allowed to give out false information. I would like to be reimbursed for the cost of the home inspection ( XXXX ) and travel to XXXX ( XXXX ) to look at home Wells Fargo had no intention of giving us a mortgage for. I understand nothing can be done to pay for the mental anguish this process has cost us but perhaps can learn from our experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have never been harassed as badly as I have from Wells Fargo. The first day my student credit card payment is late, Wells Fargo begins calling me daily. Today I have received 4 calls from Wells Fargo, 2 of these calls were made back-to-back. This is illegal under FTC guidelines and Wells Fargo needs to be fined. I also have a Checking account with Wells Fargo, which I have also been scammed out of over {$200.00} in overdraft fees. Wells Fargo will post charges to my checking account, then remove those charges the next day, and repost the charges in a few days after more purchases have been made. This is fraudulent activity and this bank needs to be investigated. I will be closing all of my Wells Fargo accounts very soon.

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 2016-12-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I was told I could leave the payment after hours thru the window box. I left XXXX and they keep calling me telling me that I did not paid, or maybe I left it in the wrong finance loan store. the lady who open in the morning XXXX or XXXX. I did a police report the following day from the security finance loan office and show the police that there is no way I could left it in the other store because the annex to the left its atlas finance and they do not have a window for after hours. and the right annex its a medical supply store, they do not have a window door to drop off the envelope with the money. and they keet calling me during working hours to ask for my payment, and they said that I need to go and give the payment that I have not paid. the security finance in XXXX on XXXX location does not have a camer inside, but the annex they have a camera and It has to be recorded when I passed. XXXX also mention that sometimes people stuck in a stick to get the money out, but thats impossibe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We have been trying to obtain a mortgage modification with Wells Fargo for a while. We were approved for a modification but because of a medical emergency we were not able to make our third trial payment. I contacted our home preservation specialist and she said that she would check to see if we could be a little late on the payment because he would be returning to work after a short time recovering from his XXXX. She said it was fine but that was not correct and we have not been able to get a modification approved since. Wells Fargo was more than happy to work with us when housing values were very low, but as they began to rise, they seemed to become less willing to help us. We have gone through several layoffs and periods of unemployment as well as XXXX medical emergencies-XXXX, XXXX and XXXX had a XXXX in XXXX 2014. Luckily, he has recovered from all and we are both working for stable companies and just want to stay in our home and begin making payments. We currently have a mortgage with a rate of 6.625 % and if we are able to stay in our home, we are willing to keep that rate and have our missed payments added to our mortgage. We are not looking for a handout or principal reduction. We just want to get everything back on track. Please help us. We have XXXX kids and love our house. It has been a very difficult time these past years and we want to begin to move forward and start making payments. Thank you for your 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 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX/XXXX/2015 an application for loan modification was submitted to Wells Fargo for the Making Home Affordable Program. On XXXX/XXXX/2015 my attorneys office called for an update from Wells Fargo. They stated that they already had denied the application at that time, however the representative stated that he could see that it was denied for an invalid reason and so he was going to reset the review. The representative indicated that he could see that they were going to need a letter of explanation for the paystubs. This Letter was provided to the lender the next day. On XXXX/XXXX/2015 a call to the lender was made to see if any further documents were required. At that time a second representative stated that they could not advise us regarding the status of the application because the assigned representative was unavailable and because she could n't understand the notes. Another call was placed to the lender on XXXX/XXXX/2015 and the same information was provided. No update could be given and they could n't see if everything that was needed was submitted. When a manager was request, I was advised that the manager for the representative handling the file was not there and had not been there for the last 5 days. It looked like they had everything but the representative was unsure why the file had not been submitted to underwriting. Since the submission of the documents on XXXX/XXXX/2015 not XXXX letter has been sent stating any missing documentation was being requested. At this point it appears Wells Fargo has not followed the time guidelines prescribed by Regulation X. XXXX XXXX wants to save his home and would like a speedy conclusion for a proper Making Home Affordable Review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
One hour before closing Wells Fargo asked for copies of two checks. I told them everything was pack and we were waiting for the final numbers. They replied we are increasing your mortgage by {$10000.00} since I could not get the two checks If would have said no I would be out of contract and would loose my down payment They had 2 months and one before closing the under writer wanted copies. I feel they did it to up the mortgage and closing cost

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 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: NAVY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
I have requested in writing on 3 different occasions to not be called at work, as I am NOT allowed to make or receive personal calls at the office. They keep calling, and left a message with my supervisor. I do not wish to be fired because of these practices and have already been warned by my supervisor to not make or receive personal calls.

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 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo attached my Wells Fargo credit card to my checking account as overdraft protection without my authorization. I called them to dispute this and told them that the charges have hit my credit report negatively. They responded by telling me that their records show that I authorized the use of a credit card as overdraft protection in XXXX 2015 by phone. I never authorized any use of my Wells Fargo Credit Card as overdraft protection by phone, or in any other way. In XXXX 2015, I established a new checking account at my local bank, in person! I authorized my savings account NOT a credit card. Wells Fargo told me " Regardless, you received statements showing the overdraft protection fees electronically, so you were informed. '' This was an underhanded tactic that Wells Fargo used to change me XXXX $ $ in fees. I told them that all I wanted was the negative information removed from my account ( 30 days ). My credit score prior to this was XXXX. It has dropped to XXXX as a result of this XXXX negative item. I will gladly submit my credit report for review as proof and have previous reports to demonstrate the precipitous drop. I have also filed a dispute with Wells Fargo and 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