vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
There are two components to the bank fraud that I discovered this morning. 
1 ) Wells Fargo changed my corporate bank account number without advising me. 
2 ) A customer attempted to send me an electronic payment last Friday via ACH. I never received the payment. After contacting Wells Fargo, they explained that my bank account changed. I then attempted to determine when this changed by looking at the previous bank statements. When I pulled my XXXX XX/XX/2015 bank statement from their online banking system the statement reflected the NEW account number. I then pulled a copy of my XXXX XX/XX/2015 statement from my local drive which I had downloaded back in XXXX. The XXXX statements ARE DIFFERENT. Meaning, that the Wells Fargo Online Banking system is displaying incorrect banking information to their consumers ( i.e. fraud ). It is not clear because no one has investigated this whether this is the result of fraud, weak internal controls in their IT process or some other reason. No consumer should assume that the information they are receiving from Wells Fargo is credible or accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have tried to set this Wells Fargo account on autopay 5 times ; three times online and twice on the phone. The first time the page indicated the account was set for autopay. Two weeks later I received a very unfriendly call threatening to take the account to collection and report the account to the credit bureau. I paid the bill over the phone. I again set up autopay online and called to confirm that the account was on autopay. I was told the next payment was not due until XX/XX/2017. I thought that was odd because the date I set the account on autopay was early XXXX. I received a statement XX/XX/XXXX ( with a mailing date of XX/XX/XXXX ). The account was due on XX/XX/XXXX and had a late fee added. I mailed a payment on XX/XX/XXXX. I called XX/XX/XXXX to ensure the account was up to date. It was not. I was transferred to 5 different departments. I asked to speak to a supervisor and the line disconnected after the agent spent 45 seconds yelling that we had a bad connection. I could not set up autopay because the account was not up to date. One agent offered to send autopay enrollment through the mail. Each agent repeated the same information to me and tried to collect the bill. Each also said autopay would take 30-60 days to be effective. I have to go online each month to check the account and find out if the autopay is in place. My credit score has dropped 50 points because of Wells Fargo.

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 2016-06-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As of XXXX XXXX, I have not been able to pay on this Wells Fargo Acct # XXXX, the interest and late fees, just keep adding up, I would make weekly payments and it did not put a dent in this acct., I have tried to consolidate with Wells Fargo XXXX and was denied, I went with another Consolidation Company who has helped me consolidate my accts and have all been paid off including another W.F. acct .witch has been paid off, this W.F. acct is the only XXXX holding me back to start a better future, attached I have a statement that shows all the late fees and interest, what the problem is, that W.F. will not work with my consolidation company because on XXXX XXXX, XXXX they took a payment of {$960.00} from my daughters account, witch they have returned to us after I made a complaint with your bureau, when they took the money they said it made my account courant, but now no one knows how to adjust this problem to make my acct. past due since the money was returned to me, this has caused me a lot of stress because this is something I can not pay on my own, I am asking that you please help me to help them resolve this problem and work with me and the consolidation company, every time we call, they have been rude and say they do not know how to resolve this problem, if they would have never taken that money they would have excepted the payoff, I hope you can help me with this matter.

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 2015-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Back in XX/XX/XXXX-XX/XX/XXXX I tried over and over to refinance my home after being put on permanent XXXX, having XXXX, XXXX XXXX, constantly be hospitalized and my taxes goin up ove 120 % over the past years we were forced to short sale our home. Wells Fargo just kept refusing me over and over forcing a short sale. They constantly asked for the same documentation over and over even after the acknowledged the receive end it. After having XXXX different buyers the house finally sold. The XXXX buyer it took them 9 months to constantly aske for the same paper work and then refuse & the XXXX was approved after about 6 months and I finally sold the home. Wells Fargo has me missing payments, which I did under direction of my lawyer because of the short sale was in contract XXXX with Wells Fargo getting paid in full and to keep up with taxes, maintenance, bills and medical expenses. I feel this should be removed so me and my family can go on with our lives. The hiccup on our credit report is an issue since we are going to be moving out of state for a better ccost of living.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo ( WF ) was my bank for a period of over 10 years. During these years WF had my trust and was my banking institution. More recently this trust was shuddered by WF on my finding that certain accounts were opened with out my permission and my knowledge. On my informing this to WF managers and I talking to press representatives about my situation I was quickly pointed out by the management of the bank for closure of all of my accounts dealing in a personal and business level. Over 13 accounts were closed by WF in an act of retaliation of reporting illegal activities by the bank. The closure of account has a cost of purchasing hundreds of dollars and staff time to re organize my banking systems. Retaliation and the reporting of wrong doing should not be a reason to close a customer bank accounts. Yet WF did.

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 2015-07-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A recent divorced mother of XXXX was responding to a job listing on the XXXX XXXX. The individual indicated tthat it was an independent contracting position and that my credit card would be required to conclude the employment opportunity. The individual that answered the advertisement indicated that we would have to meet, at the financial institution and that he had a good relationship with the banks in XXXX and XXXX, Georgia. The XXXX XXXX ad provided a XXXX ( XXXX ) XXXX employment line phone number, where there was an automated individual responding to all calls. The individual stated that the company 's name was XXXX. XXXX and they have access to unclaimed government funding, which they need independent contractors to fund these unclaimed monies through their account and send the funds to a corporation. He stated, he would not need any personal information, just the credit card and to meet with the bank lenders. 

As a recent divorced mother and struggling parent, I was excited about the job over the phone and as, what was the next step on the process. He indicated to meet and bring the credit card, therefore, he could meet with the bank officials. Upon, the scammist arrival, he had paperwork to file out and had the company information readily available. He was however, casually dressed, but I said alright perhaps a low grade business casual attire is permittable. However, in the midst of my vulerability, he took the credit cards and the rest was history. All accounts at Wells Fargo of 20 plus years were comprised and closed, but I stated to the bank, that I was the victim of fraud and I was immediately interrogated. Interested, how the tables are turned, but it is imperative that the public is fully aware of scammers taking advantage of hard working citizens and I am fully committed to assisting with the possible incarceration of all individuals that take advantage of any citizen. I am amist and seeking public exposure of the ability to simply post any ad, at random, whether it is the XXXX XXXX and XXXX or the XXXX XXXX. I am seeking restitution and continual public exposure of these prevailing incidents, therefore, no one else is taken advantage of. What should be my next step?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
From XXXX to XXXX we were involved in a 'workout mortgage ' with Wells Fargo due to my husband 's job loss. 

This was the most miserable experience I have ever been thru in my life. We asked for a reduction in principle due to the reduced value of our home and was denied many many times. We had XXXX Wells Fargo Loan Officers assigned to our mortgage that would not return calls, mishandled documents, and consistently had full emails or voice mails. It seemed to have all worked out in Wells Fargo favor. Wells Fargo took the money from the government and instead of reducing our principle amount, we were offered a refi with all fees and charges included, so in essence they collected from the Tax Payers in a bailout of the mortgage industry and collected from us to save our home. So today, we have an awful loan that is still screwing us. 

During this process, we had XXXX drive by inspections with notes left on the front door. I have a XXXX '' tall file of correspondence and recaps of constant phone calls and letters to save our home, but twice, they sent inspectors by the house to see if we were still living in our home. WE QUESTIONED THIS AT THE TIME, and we were told this was standard to find a note on the front door and an extra charge added to our mortgage. I kept XXXX of the notes we found on the front door concerning these illegal inspections. 


XXXX courts have declared the inspections and fees as illegal. I want these charges paid back to my loan. I do n't care what agreement you all come to and what happens to everyone else, I want these charges paid back to my mortgage loan outstanding balance. It was wrong at the time, I told them it was wrong at the time. 


We have banked at Wells Fargo since XXXX XXXX, XXXX, we set up a joint account the Thursday before we got married.. My current Wells Fargo bank statement is XXXX pages long with accounts. How do you get these people to treat you fairly? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My husband, XXXX XXXX XXXX, recently passed away. He has a checking account with Wells Fargo bank. In 2013 my name was also on the account and for personal reasons we decided to take my name off from the account. I went with my husband to the bank to do this. My husband requested that I remain on the account as beneficiary only. When I went in with the Cert. of Death and all necessary paperwork ( even marriage cert. ) to close his account I was informed that my husband had no beneficiary listed on his account. Clearly this was an error made by the person who handled taking my name of from the account in 2013. They neglected to list me as a beneficiary. I was told I would have to go through probate to claim the account. There is only $ XXXX.- {$60.00} remaining in the account. Probate would likely cost me more than that. Although, to many that is n't much money, I am alone in Florida with no money right now. It is important to me. My husband had been XXXX and unable to work for about a year and I cared for him. I am eating with an EBT card and only receive $ XXXX./ month Social Security. Unfortunately, in the absence of my deceased husband, there is no authority at the bank to correct the error made in 2013.

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 2017-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have been enrolled in the IBR program since finishing graduate school XX/XX/2012. I have followed protocol flawlessly during that time. This year, however, due to an exceptionally busy schedule of work, travel, and moving, I missed the re-enrollment deadline by under a week. My servicer NelNet acted quickly, informing me that the interest accrued during the last year ( over {$25000.00} ) would be applied to my principal balance. Now, I fully admit to missing the deadline but what I find incredulous is that there is no way to appeal this decision or negotiate what essentially works out to be a penalty as is commonly done in business and loans. It 's laughable. The best the customer service agent could do was offer me a phone call from a supervisor sometime in the next couple days, and could n't even confirm the number I should expect to receive a call from nor that the supervisor would leave a voicemail in the case I was unavailable to answer. I understand that the impetus is on the consumer to keep abreast of policy and plan details, but the fact that there is absolutely no avenue to appeal or flexibility in any matter is borderline predatory. Also, as the agent confirmed, I can only receive electronic OR mail correspondence. Not both. That alone is baffling. It is also severely decreasing the likelihood that this loan will ever be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
they collected more than what I owe and they did it without proper communication. At first they stopped collecting for XXXX months giving an impression that the loan was paid. They also called me last month and left a message offering a new loan. All of a sudden they resume collection in XXXX, XXXX when I called them they said that I still owe & XXXX which baffles me because I have been paying this loan since XX/XX/XXXX and should have been done last XX/XX/XXXX.They took a sum of {$300.00} ache in my bank last XX/XX/XXXX. No payments has been collected in the months of XXXX XXXX and XXXX which I thought it was fully paid already. 
Please take action to resolve thiS problem of mine.. I do n't want them to get the money again

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My father has defaulted on an auto loan with this creditor. The creditor is having a hard time finding their vehicle in order to reposes it. The creditor has sent a repossession agent to my house, my work, and has called my wife and I several times. I have explained to the creditor that I have no contact with my father nor do I have anything to do with their debt.. I have asked the creditor repeatedly to leave me alone and quit harassing me and they still wont quit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX when my husband and I at the time were still married, we refinanced our mortgage with XXXX Mortgage. We also had a home equity line with " then '' Wachovia '' who is now known as Wells Fargo. During that refinancing process, Wells agreed to remain in the second lein position on the subordination agreement. Now, in XXXX, when we are divorced and trying to sell our home in a short sale, our sale was denied by both banks because Wells Fargo NEVER recorded the subordination agreement to have our title correctly reflect the lein positions. Both XXXX and Wells are refusing to budge and are fighting over first lein position, even though I have a copy of the actual agreement where Wells agreed to remain in the second lein position! I have been communicating with real estate attorneys, short sale attorneys, XXXX, Wells Fargo, and ALL of my resources continue to point me towards Wells Fargo who made this egregious error. Because they neglected to record the new lein position to the title, I am now in jeopardy of going into foreclosure status on my home ( I assumed all mortgage payments myself as of XXXX of XXXX and my ex completed a quit claim deed ). Additionally, and going all of the way back to XXXX of XXXX, I began attempting to remove my ex-husbands name from the Wells account as well, and they denied my application to refi and remove him from the loan. Since the inceptioon of my communciation with Wells, I have gotten nothing but inaccurate information, been pointed in the wrong direction, did not receive calls back and NOW because of their error back in XXXX I may be at risk of foreclosure. My ex and I did nothing wrong. WELLS neglected to record their lein position on the title, and now are credit histories are at risk of complete abomination! This is unacceptable! I opened a case with Wells on XXXX XXXX, XXXX and they are still trying to locate the subordination agreement which I faxed to them to be able to help me and clear this up. This is a complete disaster based on THEIR negligence, and I should not be left with a home in foreclosure and a destroyed credit rating because of the incompetence of Wells Fargo.

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 2015-05-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a private student loan through Wells Fargo that was originally {$12000.00}. I started paying on the loan in 2012 which was then 18,000. I, being a young, " not so intelligent '' person at the time did n't realize interest was accruing from the time I got the loan nor did I expect it to be as high as it is. I have now paid over {$5000.00} on the loan and about {$900.00} has gone to principal, the rest interest. The loan has an interest rate of over 11 %. I have tried time and again to get the rate reduced, or even my monthly bill reduced and they will not help me at ALL! I do have some credit issues that I have been dealing with for the past couple of years and recently had to file for bankruptcy. I am in the process of rebuilding my credit and I am really trying to get my finances in order. Wells Fargo has made it very difficult for me to make any progress, they continue to ignore my pleads for any kind of help and repeatedly tell me that they can not help me. I understand that I am responsible for this debt. I am fully ready to take responsibility, but I also believe there in no reason someone who makes less than XXXX a year should be paying that high of an interest rate let alone a {$200.00} a month payment. I have done my research and there are not a lot of options for someone in my position, I am hoping filing this complaint will give me some more insight on what else I can do. At this rate, I will be paying on this loan for years to come. Please give me some direction. It would be greatly appreciated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
After being laid off and struggling to get bills paid on time, I contacted Navy Federal Credit Union for assistance and payment arrangements. Since doing that it 's been an utter nightmare as they have continued to ignore any arrangements made and constantly transfer funds out of my account. These transfers sometimes are reversed immediately upon contacting them, while others can take 24-48+ hours for resolution. Around 14 calls lasting 15+ minutes or longer to Navy Fed and 4 lasting with numerous cancelled transfers I have reached my breaking point and need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc.
State: TX

Complaint narrative:
The collection agency calls my phone all day even after leaving messages. They will call mad then hang up and call right back. The agency also contacted my estranged husband and family and gave full details of the debt to them and I never provided their numbers to them.

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