vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need financing from Wellsfargo Dealer Services. The action taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a XXXX dollar from this affliation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had XXXX ( XXXX ) checking accounts at Wells Fargo. I banked with them for probably 20 years. On XXXX/XXXX/16, I received an email from Wells Fargo notifying me that one of my accounts had been enrolled in the QuickBooks or Quicken Direct Connect service. This email indicated that there was fee for this service. As I had never enrolled in such a service and was not interested in it, I called the number listed in the email -- the Wells Fargo 's customer service for personal accounts telephone number ( XXXX ). The person I spoke to informed me that her records indicated that I was not enrolled in any such service. She told me the email I received was a phishing scam ; she directed me to forward the email to XXXXXXXXXXXX and delete the email. I did. Later, I received a printed letter ( attached, dated XXXX/XXXX/16 ) from Wells Fargo thanking me for enrolling in the QuickBooks or Quicken Direct Connect service at Wells Fargo. After that, I closed both of my accounts. Then, I received two emails ( attached ) notifying me that both of my accounts could not be charged for this QuickBooks/Quicken Direct Connect service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a auto loan with Wells Fargo through my grandfather. I kept up with the payments steadily all the way up until last XXXX. I was laid off and not able to pay payments in time at the time I was almost {$5000.00} still owed and they tried to repo the vehicle. As of XXXX 2016 it 's {$2500.00} still owed and they are trying to repo my vehicle still. I have only {$2500.00} left and I will have the title. I paid over {$20000.00} it was not for nothing I hope. With out them having animosity or anything in this situation I believe they can afford to give me a chance to finish paying off less than {$3000.00} I 'm not asking for a miracle and I have paid it all off except for this small amount. If they take my vehicle I will be in more debt and with out transportation to make ends meet. What sense does that make? I have this loan since XXXX and this is the thanks for business I get? It 's not fair and something can definitely be done in this situation.

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 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Insurance premium of XXXX for Mutual of XXXX whole life policy # XXXX, which I signed an agreement to be deducted from my personal checking account with the Navy Federal CU, account # XXXX on the XXXX of each month. The company XXXX debited {$55.00} on the XXXX of XXXX and on the XXXX of XXXX. They made XXXX withdrawals within a 30 day period, illegal under banking laws for an insurance product. NFCU has offered to credit back the {$31.00} overdraft fee. I believe XXXX knew I had an XXXX deposit pending and was held until the XXXX. NFCU, although I had a pending posted deposit, NFCU refused to clear the draft. XXXX uses different days to post this payment, so that I may lapse my insurance policy, depite federal banking laws. They can not make multiple drafts within a 30 day period for an insurance policy. I do move money around as I have been a victim of identity theft, so I need the bank to follow an automatic draft schedule as most financial institutions are capable of in the XXXX century of electronic billing. This company also did not take a draft at all in XXXX, I had to mail the payment in. XXXX this premium draft to a third party who does n't provide a legal address or phone number. This jeopardizes my already fragile credit rating and puts my life insurance policies at risk for being disputed. Your attention to this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of 2015 I applied for a home loan through Wells Fargo Mortgage, my loan representative/officer was XXXX XXXX, Branch XXXX, Wells Fargo Mortgage in XXXX, CA. The home I purchased was a new condo being built with a completion estimated at mid to late XXXX, 2015. First off, I had never met XXXX personally so for him to refer to me as bud, which he did often when responding to texts/emails ( if he responded at all ) was very unprofessional. He often ignored texts/emails/phone calls and lacked proper communication skills. He rarely kept me informed of my loan progress and only provided updates when requested and sparsely at best. As earlier stated the completion was set for mid to late XXXX so I had 7 months to get all the necessary information to XXXX. I was always prompt providing the necessary information/docs to XXXX as to avoid any miscommunication/setbacks/delays in the loan process. I asked for updates on a weekly/monthly basis ( which often went ignored ) and I was assured by XXXX XXXX that we were on schedule, at XXXX point he stated we were 2 months ahead of schedule. We were scheduled to close on XXXX XXXX, 2015, but due to XXXX 's inability to perform his job the closing was delayed to XXXX XXXX, 2015. When XXXX was unable to perform his job I requested another XXXX to handle my loan, at which point XXXX stated " you 're not going to want to hear this but no one in this office can do what I do '', at which point I requested his supervisors name XXXX XXXX XXXX XXXX and number. I contacted XXXX at which time XXXX took the lead on my loan process and without XXXX efforts I do n't think my loan would have closed when it did, if at all. On XXXX XXXX, 2015 I received a text from XXXX regarding an issue with the tax rate. During a telephone conversation between XXXX, XXXX and XXXX XXXX stated that the rate utilized by XXXX during loan approval was 1.5 % not the actual rate of 1.9 %. When I informed XXXX that I had provided XXXX that XXXX XXXX openly lied to XXXX and I, stating he did n't know the tax rate was at 1.9 %. However ; XXXX was provided the tax rate information via email on XXXX XXXX, 2015. This lie, XXXX 's inability to perform his duties and his unprofessionalism cost me an additional {$7800.00} in closing costs and placed unnecessary burden on several others who had to work unnecessary hours to insure my loan closed by year end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I submit equity line applications through a branch in Wells Fargo. During the underwriter 's review, I was asked to prove that I have XXXX in liquid assets. I had explained to them that I have equity lines with another bank and can easily pull XXXX in cash, but they insist that I need that amount in cash. So they declined my applications. And I talked with another branch of Wells Fargo, I was told that I should be able to do withdrawing the applications, but the banker I worked with told me no. 
1. Requesting XXXX in cash for an equity line applications is unreasonable. If I had worked with another bank for an equity line application, they never had that kind of unreasonable request. If I had that amount in cash, why I would need the equity lines for? 
2. XXXX is not a small amount. If that could be a requirement for an approval, I need to be notified by that before I started the applications. Otherwise, I would have applied for something which is guaranteed not to be approved. 
3. I told the banker that I would not start the applications at all if I were told that I need XXXX in cash before they declined my applications. Why they declined my applications without asking me if I wanted to withdraw them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo employees withdraw funds from account to purchase personal items. when funds were deposited into account for loan payment, the balance did not decrease for several months. After receiving notification for payment not being paid, I personally went and discuss to employees that why are different Wells Fargo branches sending no payment notifications. They said not to worry everything is taken care of.

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 2015-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I contact Navy Federal Credit Union on Saturday, XXXX XXXX, 2015 regarding Fund Payment withdrawal from my account from XXXX XXXX XXXX for {$86.00}. They closed the account and issued me a new bank card and when I try activate the card it wo n't it system directed me back to Customer Service Representative were XXXX XXXX indicated there 's a automatic hold on activation of the card because my account is over draw. When do that stop the Credit Union from Activating your bank card when if it overdraw I ca n't use any so why they feel need to prevent me from using the card this way is this policy and Federal Regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We received a letter from Wells Fargo Auto Finance stating that we have paid in full and satisfied the requirements of our Auto Loan, however they are reporting our loan as transferred and charged off instead of paid in full for the original account. Wells Fargo transferred the loan within their own company after the loan has been already satisfied. The loan has negative impact on our credit report and the bureaus refuse to change it after we have provided proof of a Wells Fargo Letter stating the original loan has been paid in full and satisfied under the original conditions before Wells Fargo did an internal transfer of accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2016 I XXXX XXXX requested from Wells fargo Bank XXXX manager copies of cancel checks that she needed from the bank in order to obtain proof where she paid the City of XXXX real estate Taxes because she was told in order for her to get back were she overpaid her taxes. after numerous times going to the bank in person and talking to the bank over the phone and being told that the bank would take care of it and email the bank cancel check to her son 's email address. And the bank never did send the information which hardening XXXX XXXX from get the money that the City of XXXX owes her in her back taxes which is a few thousand dollars to this day the bank has not help her in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Dear Sirs : I am filing a complaint against Wells Fargo for denying me a loan modification and for denying me an appeal, as well. 
I believe that I am entitled to a modification because my son, who is co-borrower, lost his jobs on several occasions and was denied unemployment. Although he has found other employment, He is not earning as much as before. We have gotten behind in payments and we are not able to afford the mortgage. 
If you could stop the foreclosure process and make my payments affordable, I will be grateful

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: MO

Complaint narrative:
I am co-signed on XXXX student loans on behalf of my son. The loans were for incurred while he was attending XXXX College and XXXX College. The loans in question are owned by Wells Fargo. My wife and I have been making repayment of the loans since my son has not made any repayments and we did not want our credit damaged. We have been steadily increasing our repayment amounts in order to accelerate payoff and reduce interest. In our XXXX XXXX payment statement we noticed that the interest charge for that month was nearly half of the entire amount of interest we had paid in XXXX upon further investigation it became apparent to us that Wells Fargo had intentionally applied our entire monthly payment to only XXXX of the XXXX loans. it had been our practice to pay more than the minimum required payment for a number of years previous. Wells Fargo had been applying payment in excess of the minimum equally to each loan. Wells Fargo arbitrarily changed their practice and applied the entire payment amount submitted to only XXXX of the loans for the entire year of XXXX. We did not receive any written or verbal notification from Wells Fargo regarding a change in how they were applying our payment. This only came to our attention when we noticed the higher than normal interest charge in the XXXX XXXX statement. After multiple calls to Wells Fargo in attempts to resolve this issue I filed a complaint with the CFPB in XXXX of XXXX out of frustration with Wells Fargo 's stonewalling and bullying tactics. As a result of my complaint to the CFPB Wells Fargo agreed to only waive the interest charged due to their incorrect application of our repayments. After numerous fruitless phone conversations with Wells Fargo representatives I accepted their offer. As a result of the CFPB 's recent findings regarding Wells Fargo 's college loan illegal actions as well as Wells Fargo 's most recent illegal actions by their lending employees. I ca n't help but feel that my case should be reopened. 
Because of Wells Fargo 's mishandling of our repayments and their inflexible position regarding our student loan payments and balances. I feel that all of the findings you post on this site regarding your judgements against Wells Fargo apply in our case.

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 2015-09-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo violated my mortgage no oral modification clause. XXXX. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Wells Fargo allowed a verbal change to my mortgage in strict violation of the mortgage and in contrary to Wells Fargo 's position in court AGAINST oral modifications. I have attached the original Notice stating the new payment beginning XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XXXX XXXX, I requested an investigation into a charge on Wells Fargo credit card. This charge was for a rental car that I did reserve but I was charged an additional {$300.00} " vehicle inspection fee '', a charge that I did not authorize and one that was over 3 times the amount of my original bill. When I filed the dispute with Wells Fargo, my credit card account was immediately restricted and I was no longer able to access my online credit card account. After following up with a Wells Fargo representative about regaining access to my online account and statements, the representative told me that " sometimes this just happens '' but he does n't know why. 

I eventually found out that my dispute was denied by Wells Fargo even though I did not and still do not authorize the {$300.00} vehicle inspection fee. I was told that the dispute was denied because the purchase was " verified '' by the company. I never asked for verification of the entire purchase. 

I recently opened a second dispute for this same unauthorized charge but I am still barred from using my credit card and I do not have any access to any of my account details or statements because Wells Fargo has deleted removed this account from online profile. 

Wells Fargo has infringed upon my FCBA rights forcing me to pay this unauthorized charge of {$300.00}. Wells Fargo has also infringed upon my FCBA rights by restricting my credit card account during 2 separate disputes.

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 2016-09-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I ordered a XXXX Wells Fargo credit card for our daughter to use in case of emergency. 
The brochure with that XXXX credit card clearly stated that she could get a cash advance ( in case of emergency ). Our daughter tried to get such a cash advance at XXXX different branch locations without success. While this was going on I called Wells Fargo headquarters and was informed they had no power over any branch office to assist.

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
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
We have been stuck in an interest only mortgage for our personal residence with Wells Fargo for 10 years, which means we have not gained XXXX penny of equity in our home in the 10 years we have been paying our mortgage ( s ). We originally had a second mortgage that was extinguished by the National Mortgage Settlement, or Attorney Generals ( AG ) Settlement in XX/XX/XXXX. 

At the time we were in negotiations to settle our second mortgage with Wells Fargo ( XX/XX/XXXX to XX/XX/XXXX ) our home was worth about 60 % of what we paid for it in XX/XX/XXXX. We were current with our first mortgage, but because we were n't current with our second mortgage payments we were finally offered a full settlement of the second mortgage through the AG Settlement. This got us out from being underwater. However because we now had Lates and a Charge-Off on our credit report ( s ), by law ( according to every underwriter we have tried to qualify with ) we are now not eligible for refinancing, or any other kind of loan, for at least another four years after the second mortgage lien release was recorded with the county recorder 's office. 

It is apparently a similar penalty to a bankruptcy. It should not apply in our case because we qualified for the AG Settlement. Also our income is more than what is required to refinance, or take on other loans of similar principle and we have had no other problems other than this second loan extinguishment negatively effecting our credit report ( s ). What if anything is being done to correct the problem with this law?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I took out a loan for {$550.00} on the premise that I would simply be paying that amount, plus a small amount of interest and fees. Instead, since I could n't pay the requested amount, I 'm being charged the ridiculous amount of {$120.00} plus the original fees for an extension resulting in the loan being over {$800.00} making it impossible to pay back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
Nation Star Mortgage payment electronically debited from my checking account without my consent. XXXX {$1600.00} was debited from my account and on XXXX {$1600.00}. This resulted in XXXX mortgage payments within same billing cycle. I called on XXXX requesting funds to be returned in the amount of {$1600.00}. I was instructed to fax statement showing funds were debited from my account ; I did. I was promise the funds would be wired ; they were not. I called XXXX I was advised they needed to XXXX way call my bank to verify funds were debited from my account ; we did verify funds were debited from my account. Agent XXXX, ID # XXXX promised to deliver a check via XXXX and provided a tracking #, XXXX. On XXXX called XXXX to discovered this was an invalid tracking number. I called Nation Star and I was placed on hold then hungup on after waiting XXXX mins. I called back to discover that no check had been delivered. Supervisor/Agent XXXX, XXXX ID XXXX advised that the funds would be returned to my bank account ( same accounts were paid from ). I was advised that since I was filing a CFPB complaint the call needed to be escalated to higher member of management. XXXX, XXXX ID # XXXX assured that {$1600.00} would be reversed and back into my account by the morning of XXXX. XXXX provided a ref #, XXXX. I also disputed the amount of the loan when it was transferred from XXXX XXXX XXXX. Nation Star has refused to assist me with this process. They deflect the responsibility back on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation