vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i received an offer of wells fargo credit card about a new credit card in which they give me the offers of 0 % apr for 18 months on balances transfer and purchases. so i applied and got the card to my home, but when i called them they told i just qualify for new purchases and that it was a mistake in the letter that they sent me. i am not apprved for balance transfer. 
i dont know what happened with this people and i ask u to investigate, please. 
the credit card is # XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX. 
thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/16 I called my banking institution, Wells Fargo to request a charge of {$2100.00} to be reversed from a debit card purchase on XXXX/XXXX/16. Where I visited XXXX XXXX XXXX Fl. to have XXXX XXXX. XXXX XXXX. My plan, was after having the retreat completed ; I elected XXXX XXXX XXXX, also of XXXX XXXX XXXX XXXX, to do XXXX XXXX XXXX. 

On that day, I made a deposit of {$2100.00} to XXXX XXXX for the unscheduled svc for the XXXX XXXX. The XXXX # XXXX was to be done in XXXX parts, in which my insurance ( XXXX ) was used to cover the cost. However, due to the exorbitant billing and being prescribed a medication that I XXXX ... I decided not to allow The XXXX XXXX XXXX do any further work. 

I called my insurance to let them know that I was going to select a new XXXX, to complete the work, they informed me that XXXX XXXX XXXX XXXX submitted a claim for a completed svc even though they had not finished the retreat svc and was paid fully which left me with no benefits to see another dentist. My insurance Co. requested a refund for {$560.00} from XXXX XXXX XXXX for and incomplete svc XXXX. 

I never received and invoice from the XXXX XXXX XXXX for any svc. All I was given was an estimate sheet and a receipt for the {$2100.00}, with no detail of what the deposit was for. 

I then requested the {$2100.00} deposit to be refunded from XXXX XXXX XXXX XXXX, to no avail. So, on XX/XX/2016, Wells Fargo reversed XXXX XXXX. 
On XXXX/XXXX/16, I visited XXXX XXXX XXXX XXXX and had a XXXX finished, prepped and fitted for XXXX. On XXXX/XXXX/16, XXXX XXXX installed XXXX XXXX, XXXX XXXX and the other XXXX XXXX. 

Later that day on XXXX/XXXX/16, Wells Fargo re-reversed the funds and debited the {$2100.00} from my acct. Which now has my acct negative {$1600.00} Once I contacted the claims dept. of Wells Fargo, I was told that the merchant ( falsely ) submitted a document stating XXXX svc for XXXX XXXX. 

I am a loyal customer of Wells Fargo. In this situation, Wells Fargo did not honor its customer 's word, neither did they reciprocate the loyalty. I have submitted all pertinent documents to support my position and still Wells Fargo is waiting to hear from the other party on a false claim.

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 2015-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied for a Loan Modification with Well 's Fargo Home Mortgage and I was denied. But the reason that I was given is that I did not have a hardship. My husband and I have been separated since XXXX 2014 and with the loss of his income I am finding it hard to meet my monthly mortgage which is {$2400.00}. My monthly gross income is {$3400.00}. The reason that I was given for being denied is that I my gross monthly income should allow for me to meet my mortgage payment, but after taxes and paying my utility bills and second mortgage, I can hardly pay this payment. All I am asking Well 's Fargo is to lower my mortgage payment. I do n't understand what their criteria is to qualifiy for a Loan Modification. From doing my research, I have found out that these Mortgage Companies are not really helping many home owners at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Counting {$270000.00} they say we still owe and the {$280000.00} balances we have paid in full We have now paid {$730000.00} of {>= $XXXX} they want us to pay for our {$270000.00} house. 
I believe Wells Fargo has stolen {$200000.00} and our duplex they foreclosed

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 2016-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A deposit was made into my business banking account on XXXX/XXXX/2016. The deposit was XXXX US Postal Office Money Orders. Wells Fargo has placed an extended hold on these items, stating that it 's justified because my account has been overdrawn in the past 6 months. ALL information I have been able to find in the FDIC, federal reserve, and by making a call to XXXX states that Government Checks, as well as US Postal Money Orders, are to be made available in 2 business days. Wells Fargo refuses to release the hold. These funds need to be transferred to a paying client. Please advise if this is legal

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 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My loan was with Wells Fargo and I was going to do an assumption loan to get my ex wife off of the loan. Wells Fargo said they my loan could be assumed by me with no appraisal and everything would stay the same as long as I was credit worthy. The total cost was going to be around {$1000.00} plus Florida fees. In my divorce decree, it said I had to get my ex off the loan within five years. Five years is this XXXX My house is upside down so there is no way I can do a regular refi on my home. I called Wells Fargo to tell them I want to do their assumable program and they said that my loan had been sold and would have to go through XXXX XXXX XXXX since they bought the loan. When I called XXXX they said they do n't have that same program and to get my ex wife off the loan I would have to refinance the loan. Since my loan is upside down I ca n't afford to refi. I am going to have to let my house go into foreclosure if I ca n't work something out with someone on this. I do n't think it 's fair that because my loan was sold I can no longer do this program that Wells Fargo had. Is there anyway I can make Wells Fargo keep my loan until I do their assumption loan? It does n't seem fair to me.

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 2016-06-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: HONOR FINANCE, LLC
State: IL

Complaint narrative:
I had contract with Honor Finance for a car that they financed ( XXXX XXXX XXXX ). Each and everyday, Honor Finance would call, text me then send an email to my employer 's email regarding payment. I have asked verbally, and have sent written notification for Honor Finance not to call or send emails to my job, but they continue to ( see attached ). About a week ago, I traded the XXXX XXXX. I spoke with XXXX XXXX and let him know that I no longer have the car and to contact XXXX. XXXX was furious and after a few words, abruptly hung up the phone on me. Calls and emails continue even as of this date XXXX XXXX, XXXX and I am stressed out and harassed by Honor Finance customer service and XXXX XXXX. I need for this to stop as it has elevated my XXXX XXXX. If you look at my emails from XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX where I clearly state for Honor Finance not to send emails to my job, BUT, they continued to do so. XXXX XXXX always threatened to take the car and report a bad rating on my credit. He even told me that he was doing me a favor by letting me keep the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am trembling with anger over this situation. I work in the financial field, and I do not like to bash or make complaints about the services offered, but I feel that this must be done so that changes can be made. 

I am staying at a hotel, and I have a credit card that I enjoy using. I like the company, the payments are very reasonable, and I am glad to have the card. I made an extra payment on my card so that I would have that balance available to pay for my room, as I am having some repairs/upgrades completed on my home. I chose to use this card for this situation because it is a rewards card that offers points. I made the payment online, or on my mobile app -- I do n't remember -- but it states " Transactions submitted by midnight XXXX XXXX will be sent immediately and will take effect the same day. '' So, I felt confident that the credit would be available for use immediately, as I made the payment at approximately XXXX XXXX XXXX XXXX the day before. However, when the hotel tried to run my card, it was declined. I called my card company to try to find out why the credit was not available. I spoke to a rep who was very nice, and he even spoke to his supervisor, but there was nothing he could do to make the credit available, and they were also unable to increase my credit limit to accommodate my dilemma. 

This entire situation should not have occurred. If the payment is not going to post as available credit immediately, or not even by the next business day, which was today, then the information on the website should not state that it will be. In my opinion, this is a deceptive practice. I could have used a different card, or given the hotel cash to pay for my room instead of putting the money on my card. I am on a very tight budget, but even if I was n't, this is totally unacceptable. I need 100 % clear knowledge of when my payments are going to post as available credit, as I am sure everyone does. At this point, I feel duped and lied to, and now I have to come up with {$200.00} from somewhere else because of this situation. This is more than just a simple inconvenience for me ; this is an embarrassing and unnecessary situation that has caused me a bit of financial hardship.

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 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I noticed a " credit account '' attached to my business account at Wells Fargo Bank from XXXX Today for {$6200.00}. This was a surprise since I did not request any such account. I called and communicated via email to Wells Fargo Bank and tried to cancel and each time they tried to convince me to keep it. In addition to that Wells Fargo Bank sent me a credit card for purchase of products from " XXXX '' a company that sells carpeting, even though I did not request for such a card. I finally was able to get Wells Fargo to cancel the credit account on XX/XX/XXXX, but was told that I would be responsible for any charges on the credit account. This is unacceptable. Wells Fargo has not right to play games with my account. This is a clear case of ongoing cross selling by employees that is continuing despite government investigation into Wells Fargo business practices.

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 2015-07-09 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
In XXXX, I needed a loan in order to pay my rent. I am XXXX retired XXXX veteran, largely living off of my XXXX pension. Cashnet USA, the Pay Day XXXX loan company I borrowed from, initiated predatory repayment practices immediately. They deliberately schedule automatic debits from my bank account before the end of the month, not even on the last day, with the obvious purpose of forcing customers into collection status. They essentially intercept my XXXX payment now, because my account is charged almost immediately after I receive my XXXX payment. They charge such a high interest rate XXXX 299 % ), in addition to various fees, that my balance only goes up, rather than down, even with regular, large monthly payments. 

My last payment was {$410.00}. They have nearly reached a 100 % profit mark through my repayments. They forced me to borrow more, when I did n't wish to, because they intercepted my XXXX payment one month when I relied on that exclusively. I had no other means of paying for rent and food, and was forced to borrow again. Their system keeps me XXXX and others ) in permanent debt, continually leeching money from bank account. I can not get them to stop, but if they do n't stop adding unfairly large interest, I can never pay off the balance in full, which is the only way to end their abuse of me. 

I would gladly pay the balance, if they would only stop increasing it every month, but I can only do it that if they do stop. It became clear to me that this is exactly the result they intend to create, especially with the fact that they debit the account so early, before most people are paid. I believe I have acted in good faith, and that they have trapped in this system of theirs. Had I realized that they designed this system to be inescapable, I would never have applied. 

I am writing this as a plea for help, for arbitration, to get this predatory company to leave my federally protected XXXX pension alone. My bank is XXXX XXXX XXXX, in Virginia. They are unable to stop Cashnet USA from debiting my account repeatedly, without my signing an affidavit of fraudulent activity, which I am not sure is appropriate, as I entered into the agreement voluntarily ( although misled by Cashnet USA XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My home has reached loan to value 2 years ago, so PMI, MIP should n't apply to me. Wells Fargo says the insurer says I owe PMI for the entirety of the loan. I have an FHA 30 year fixed with 17 years left on the loan. I think they are lying and want me to keep paying the XXXX bucks a month. loan originated in 2002 so the new PMI law does n't apply. What recourse do I have? Regards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I went through a series of unfortunate events that made fall behind in my mortgage in XX/XX/XXXX, I tried to modify my mortgage for many times, we even went to court but the modification was to pay even more than the original amount. My last resource was to do a short sale but after an approval letter on XX/XX/XXXX, my realty was told that the approval failed. We do not understand what is going on with Wells Fargo but they really want me to lose my house to a foreclosure. My realtor has a buyer with the money ready to close on the house for over one year now the bank has all the paperwork that they asked for and told us it will be 2 weeks, now is like 6 months. 
I will really like to get to the bottom of this, its being 7 years now in XXXX XXXX that I am trying to save my house but all efforts have failed. I went through a divorce, my son going to college and me losing my job, all legitimate situations. I have proof all of the modifications attempts that were failed. I really believe that Wells Fargo has made this impossible for me. I feel that I being violated and will like to get justice on it. At the end of all I will like to stay with the house, I have it for a long time but when the houses devaluated in XX/XX/XXXX, all my nightmares began. 
Can you please help me, my telephone is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 2016-01-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On three ( 3 ) separate occasions over the past 2 years, a charge has appeared on my Chase Freedom credit card account of {$16.00} from a company I have no knowledge of, and have never done business with ( XXXX & XXXX # XXXX ). When I complained to Chase about the erroneous charge, they removed it and closed the account. They then issued me a new account number, which meant I had to wait for the arrival of the new card, and then take the time to notify all my reoccurring charge accounts of the new number. I can understand how a scam company might somehow get a false charge posted to my account, but you can not make me believe it can happen 3 times, with XXXX separate account numbers without collusion with Chase. In all the many, many years I have had credit cards with various banks, this is the only time it has ever happened, and it was with Chase, and three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: MN

Complaint narrative:
Here 's my story : I 've been paying my minimum monthly payment every month to Sallie Mae until I fell into hard times. My car keeps breaking down and now taking care of my homeless father. I can no longer afford my minimum monthly payment. Before, today XX/XX/2017, I 've called several times trying to lower my payment and I was told my only option is to go on forbearance. I did n't want to stop paying them, so, I started sending checks of what I can afford. That is when they started harassing me at my work and other family members looking for money. I called again and was on the phone with them for over 3 hours, today, trying to find a solution. I talked to XXXX, in the Resolution Department, giving them all my financial information and hard ship issues. The call elevated to the supervisor, XXXX employee # XXXX. They told me they can not help me and forbearance is my only option. ( All calls are recorded so you could potentially get the information if you need it ). My XXXX XXXX XXXX grandmother is my cosigner. She is currently living on only social security so she is, also, unable to help me with payments. They wanted to speak to my cosigner, however, she is unable to speak on the phone. I told them vehemently, over and over, she is unable to think clearly and there is no one to speak on her behalf. I made it very clear that I want to be responsible for my payments of what I can afford. Throughout this 3 hour call I kept telling them I can pay {$100.00} per month and I know I could continue making {$100.00} payments through the duration of the loan. They just kept offering the forbearance or speak to my cosigner ( aka my XXXX ) - those were my only options. It started this back and forth conversation and they did not give me any other options. Am I wrong? Should n't they work with me? They have no problem cashing my check I send in each month. Now my credit is ruined because of them, so, now I do n't qualify to consolidate my loans with a bank. I am writing to you, not only to help others, but also to see if there is ANYTHING you can do to help me. I 'm desperate and I need you. 
Thank you, XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX XXXX gradutate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Further to my previous filing, Wells-Fargo has responded to my complaint about unfair fees by closing my account. I have sent them a reply, requesting a formal letter indicating that my account has been closed and that no further financial burden is expected of me with respect to this account. 
Wells-Fargo has removed all evidence of my checking account from the online service in a glaring attempt to cover up what they are doing. I never received any notice of their intent to close my account. Instead, my credit card provider ( not Wells-Fargo ) informed me that a scheduled monthly payment was rejected due to account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
WELLS FARGO & COMPANY has stolen my account and denied me access from viewing the account on XXXX/XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We closed our previous Wells Fargo Cash-back credit card ( with XXXX balance/credit ) so that we can take advantage of the Rewards Visa Signature credit card with six months promotional XXXX % rewards on Grocery, Gas Station, and Drugstore purchases. Wells Fargo employed the bait-and-switch tactics to deny our promotion without any rationale. 
XXXX We demand WF provide us the promised full six-month promotion on our new WF XXXX Visa Signature card!!

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 2015-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I bank with Wells Fargo. Have checking account and personal loan. I asked for extension. Havent paid for 2 months and they take the money out of my account. Claiming I authorized this by telephone with collection agent. Then they change the story to there is a clause in the loan agreement allowing them to go into my checking account and take whatever they can?? This seems illegal. Now I cant eat

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation