vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was told by a Wells Fargo mortgage rep that I was pre-approved for a mortgage to purchase a house in XXXX, NY. I put down {$10000.00} for an earnest money deposit. Had an appraisal done and an inspection. Then I was told to be finally approved for the amount I was seeking I had to pay off my existing mortgage on my condo in XXXX, NY. My only income is XXXX social security and a XXXX pension from the USPS. I wanted the house and decided to listen to my mortgage rep and pay off the existing mortgage so I could move to XXXX where the cost of living is cheaper. My savings was already allotted to my down payment and closing costs, so I cashed in an IRA incurring a XXXX tax obligation which I figured I would pay off with the sale of my NY condo. After doing so Wells Fargo turned me down leaving me {$25000.00} in the hole, {$20000.00} for taxes plus half of my deposit and the house itself due to Wells Fargo 's incompetence. They already knew my income they should never have told me to pay off my exisiting mortgage incurring all this debt and then turned me down anyway. I would like Wells Fargo to compensate me for tax obligation and the loss of my deposit. I was a Wells Fargo customer for 25 years and when I needed them they XXXX me. Given all the negative publicity with Wells Fargo recently I feel I should be compensated. I closed my accounts and sold my Wells Fargo stock. I want nothing to do with them now if this is how they treat a customer of my faithfulness for a quarter of a century. Please do what you can. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX charged my account {$12.00} even after I checked it as " Do not renew ''. This is for a XXXX account. This was paid for on a pre paid card through XXXX. I called XXXX, explained the situation and that they have done this before. They said can not refund and did n't care that I have had this situation before and been refunded once already.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The debtor called and left a voicemail. They did not disclose that they were calling about a debt and then left information regarding my personal direct deposit information without any indication of what this was about.

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 2015-08-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells fargo home mortgage is claiming I had a mortgage I never had. It was removed off my credit in XXXX from XXXX off my credit. In XXXX it appeared back on my credit from WFH ( wells fargo home mortgage ). Then was removed. in XXXX It appeared on my credit again XXXX. I called the office of the president of wells fargo. They removed it off XXXX in XXXX XXXX. Today I pulled my credit XXXX/XXXX/XXXX and they added it back on XXXX on XXXX XXXX, XXXX. This is illegal. I want this off my XXXX credit. I filed a police report ( XXXX ) on XXXX XXXX, XXXX and an Identity Theft Victims Complaint and affidavit. I spoke today to the office of the president of wells fargo and they admitted it was removed in XXXX. I want them to remove it off XXXX never to put back on again as this was not mine. The original loan on this house was in XXXX. My file has merged with another. help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC
State: CO

Complaint narrative:
I have received repeated calls from a company claiming to be Alliant Capital Management. They have not disclosed what the debt pertains to, however have left voicemails stating there is a matter in their office under review. I am not stating I do not owe the debt, as I have gone through a divorce and am currently a single mother working XXXX jobs to fix previous monetary mistakes, however upon returning XXXX of the phone calls to the number given of XXXX with the case number of XXXX I was transferred to my case manager XXXX XXXX XXXX who would not identify himself. He became abrasive and stated that he was not going to tell me until I gave him my case number even though someone gave him this in the background and he used my name which came up from my caller id. He hung up on me after I asked again what company he was with. I called back and was given the company name and hung up on. I called again, gave the case number and was transferred to XXXX XXXX who immediately hung up. Called back and got the address. Upon XXXX XXXX I have mailed a formal cease and desist letter however this company has made threats regarding what type of action will be taken for failure to pay a debt. They have called repeatedly and it is in an attempt to harass and annoy. At this time I am looking to purse all of my rights under Colorado law for this unfair and poor treatment. After a reasonable Internet search and I am unclear as to whether the address given was even the correct address for this company so the letter sent may be represented as never received because of this. I was given the address by a gentlemen named XXXX XXXX.

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

Complaint narrative:
I have a XXXX mortgage with WELLS FARGO. They are trying to steal my home. They are not reporting my full payments. They keep denying me a loan modification the XXXX they tried to give me was not lowering my monthly payments but raising it. They would not consider the XXXX program. 
My mortgage is bundled and sold as a MORTGAGE BACK SECURITY. I worked hard to get my family a home it may not be much to most people, but to me and my family it is our AMERICAN DREAM. I teach my boys if you work had and do good you will be blessed. PLEASE DO N'T LET WELLS FARGO TAKE MY HOME FROM MY FAMILY AND MYSELF. THEY KEEP ASKING ME FOR THE SAME PAPERS OVER AND OVER AGAIN, ONLY TO DENY ME, THIS IS WRONG. PAPERS WERE ROBO SIGNED AND FORGED. Wells Fargo never intended to give me a modification. They are working against me and denying me many of my rights

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I took out a RE secured NOW Account with Wells Fargo Financial Services after being asked to close XXXX times on the loan because information needed to be changed. In XXXX 2007 I wa forced to file Chapter XXXX which then converted to Chapter XXXX. Years later Wells Fargo reported the discharged RE Secured Card on my credit report as in a late status. Finally got Wells Fargo to remove the reporting with I have been told violated my FCRA rights and I suspect US Bankruptcy Laws. I pay them Principal payments since Chapter XXXX. Can not get statements or other information. Tell me the loan has been charged off and is not in their loan account systems. Recently read about WFFS consent order. Tell me my loan not included. Suspect these BK Loans charged off and tracked off system were never examined

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 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Foreclosure.New investor refused to work out any alternatives after purchasing my mortgage while it is in foreclosure litigation.Wells Fargo never provided me with alternatives to help me keep my home.I agreed to a modification, paid 5 double payments, then was denied a modification.Wells Fargo was forced to buy back my loan from XXXX XXXX, then sold it to a investor who buys nonperforming loans.Wells Fargo was paid in full for my loan and now trying to auction my home off. Will cause my XXXX, XXXX family members and myself to become homeless while our home sits in destruction.

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 2016-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I called and emailed Wells Fargo Several times asking them to send me via mail or email a statement I started this in XXXX of 2015. Each time I called them I paid exactly what they asked me to pay and reiterated that I was NOT receiving a statement of the account. I went to use the card at XXXX XXXX in XXXX OH and was told that the account was locked. I called Wells FArgo, paid off the baLANCE AND CANCELED THE CARD. i DID NOTHING WRONG IN THIS SCENARIO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Opened Wells Fargo Cash Wise Visa Signature Card on XX/XX/2016. A balance transfer of {$13000.00} and a balance transfer fee of {$390.00} were posted to the account on XX/XX/2016. The following payments totaling {$1100.00} were applied to the account : XX/XX/2016 {$390.00}, XX/XX/2016, {$390.00}, XX/XX/2016 {$340.00}. The first statement was issued XX/XX/2016 showing a minimum payment due of {$520.00}, including {$390.00} to cover the balance transfer fee. When contacted Wells Fargo refused to apply prior payments to first minimum payment although they were made prior to the first payment due date. Their only solution was to return the funds which they had previously accepted, but returned funds would not be received from Wells Fargo prior to first payment due date. Wells Fargo has purposefully, and deceptively increased the first payment minimum payment without applying payments made to the account prior to the first payment due date, specifically for the purpose of encouraging default and increasing fees and interest rate.

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 2016-10-28 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX I am disputing this loan based on that it is impossible to pay it off at 98.8 %. I do not want this company debiting my checking account until we come with a resolution NetCredit responding about indicate my account is in delinquent status. Last week, I did not pay {$160.00} due last week due to concerns about the interest rate and waiting for a resolution. 
NetCredit claims that they contacted me regarding the status of the account and said I was unwilling or unable to talk with us about my account. I have talked to NetCredit on numerous occasions and was told that the legal department would contact me. This was over 3 1/2 weeks ago. I have tried to talk with the representatives about my account and working out a plan but I am either being talked over when I try to work out a solution and even had a supervisor laugh at me stating that I will pay over {$7000.00} for a {$3900.00} loan at 98 %. 
NetCredit claims that they values me as a customer and strives to provide the ultimate customer experience and ask that I contact our Customer Service Team at XXXX, to discuss possible options regarding the account balance. I have called and spoke with them about 10 times within the last 3 1/2 weeks .NETCREDIT WILL NOT WORK WITH ME OR DISCUSS ANY OPTIONS WITH ME. THE REPRESENTATIVES I SPOKE WITH SAID THERE IS NOTHING THEY CAN DO TO WORK WITH ME. I AM APPAULED THAT THEY have FABRICATE to a FEDERAL AGENCY. All I am asking for is to take the interest away from this loan and allow me to make monthly payments that I am able to handle. I understand my responsibility of the balance of the loan but they do not work with their consumers, instead make a profit with predatory lending practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had a mortgage through Wells Fargo for 3 years. during year two, I lost my job, due to a XXXX, and I was unable to find suitable employment that was able to pay my bills. I attempted to get a forbearance on the loan. They kept requesting documents and losing them. I demanded a different agent since the one I was talking with would n't return phone calls and repeatedly lost documents. They refused to do such, and after a year of dealing with this and other issues, they repossessed my home. At the time the county appraised my home at a taxable {$160000.00}. This played a part in a years worth of trying to recover, crawl out of homelessness, and completely devastated my credit. Wells Fargo did everything in their power to ensure that I had no ability to actually save my house, and refused to discuss options with 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 2016-09-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This is the letter I sent to Senator XXXX and XXXX Senator XXXX, thank you for investigating Wells Fargo. My issue is that in 2007, Wells Fargo issued a debit card in my name and sent it to a address did not reside at anymore. I retired XX/XX/2007 from the CID IRS. I was not living in the state when they sent this unauthorized card. I had moved to a house I purchased in XXXX. During this time frame I wanted to refinance my house in XXXX in order to get a better rate. I was denied and told that I owed Wells Fargo money I had not paid back. I contacted Wells Fargo and gave them my new address and phone number. I instructed them as to how to find out who used this card and sent an affidavit stating I had never ask for or received this card. They then started to call and threaten me to the tune of over 600 calls. This lasted for over 2 years. They then sold this debt to a collection agency in XXXX and it started all over again. I could not get refinancing for my house in XXXX and XXXX. I ended up losing both. I then had to use my 401 money I was saving for old age income and ended up having to pay penalty and additional tax rates of over {$48000.00} I would not have had to incur. Since the government has fined them, how can I apply for some of this fine for the actions they took against me and the fact that they destroyed my credit during this entire time frame. I have just now gotten a credit score that allows me to finance my current home. I would appreciate you help in this matter as I have contacted our state senator with no help. Can I fill out forms to receive some of the money back that I incurred for relating to all of this illegal activity and the ruining of my credit. The credit agencies would not help at all. Please continue to get the big brass removed or prosecuted. Thank you for all that you have been doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
RE : {$500000.00} Loan Requirement the Day Before Closing? 
Loan ID : XXXX Loan Amount : {$100000.00} Mortgage Consultant : XXXX XXXX XXXX XXXX ID XXXX Sir/madam : Yes it 's true. We learned about a Wells Fargo mortgage approval condition requiring we put {$500000.00} into a Wells Fargo account the day before our closing. Not only was this a complete surprise to us, it felt like blackmail. Let me explain. 

We 've purchased several homes in our lives and this one was by far the smallest. We were asking for a {$100000.00} loan for a studio in a resort area of XXXX, Colorado. We knew up-front the approval of said loan would require special approval because of the resort status but were assured that because we were putting more than 20 % down, had excellent credit and income, we were good candidates. We also had over {$100000.00} in our Wells Fargo account during the process. Wells Fargo also carries the mortgage of our current home. As mentioned, the special 'resort ' approval was n't a surprise but the fact that a {$500000.00} deposit was never mentioned until the day before closing and was conveyed as a necessary requirement for loan approval was a complete and utterly disturbing surprise. If we had known about this bizarre requirement at the beginning of this process, we would have ceased all efforts with Wells Fargo. 

Needless to say, we refused to participate in what seemed like extortion and were ultimately denied. In addition to having to grapple with this unexpected and disturbing situation, we were informed we 'd be losing our {$5000.00} earnest money because we did n't receive loan approval as scheduled. This is an issue we 're dealing with via the broker 's office but it is important you understand the full fall-out of this mishandled situation. We will be pulling our {$100000.00} in cash from Wells Fargo and putting it elsewhere in coming weeks. 

I have informed the Consumer Financial Protection Bureau and requested this matter be investigated. I 've also notified The Wells Group Real Estate Brokerage.

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 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello, XX/XX/XXXX my mortgage was reinstated from a foreclosure ... and I was told that if I make the payment in full what I owed that my mortgage company would wave all legal fees and reinstate the mortgage, I did so, then I made a regular mortgage payment the next month and everything was fine, then I got a call about a recording fee and I told my mortgage all fee were waved, they said to me since all fee were waved that I have to write a letter asking for this low amount recording fee to be waved also, I did, then later that month my mortgage company contacted me and said I owe a large amount in reinstatement fees, I said over and over again that I was told all fees were waved, they said they would look into it and get back to me { all phone conversations are recorded when my mortgage company calls } I told them talk to the lady I talked to and listen to recording but in the end my mortgage company has tact on what they say I owe on the end of my mortgage this is wrong they told me no fees and they went back on their word, please 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 2016-05-31 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA

Complaint narrative:
I received an email from this company stating that my loan has been approved and processed. I also received a phone call but never spoke with anyone. I have not applied for a loan at Cash Central out of Utah. Since this happened I pulled my credit reports and see where they have checked my credit in the past as well. I have never had any association with this company. I was able to go online and pull my so called information. They have my social security number and drivers license number correct but nothing else is correct other then they have a relatives contact information that they will harassed for payment. I have tried to research this company online and it appears that others have had similar issues as me. This company is doing illegal phishing into people 's lives and personal information then processing loans without our knowledge or consent.

Company response to consumer: Closed with explanation