vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I had XXXX autos on XXXX XXXX policy purchased through a broker. In XXXX XXXX I cancelled XXXX of the autos ( XXXX XXXX ) and notified the broker in writing. The broker confirmed via email he would cancel. I noticed in late XXXX that the policy still reflected XXXX autos and I had paid over a year for insurance on a car that was insured with other companies during that time. After providing proof of insurance to XXXX and my broker, XXXX did not credit the policy premiums all the way back to XXXX XXXX. So I deducted XXXX roughly ( the balance of the credit they owed me ) from my last payment and cancelled the policy. nationwide placed the balance for collection with Credit Collection Services. They refuse to honor my dispute, they dont review my written dispute material, and they 've listed the collection item on my credit bureau. I 've send them my detail and correspondence XXXX different times. Once by writing, XXXX time via email and lastly by up loading by evidence on their web site.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I 'm complaining about Capital One Bank USA. I believe they 're inaccurately reporting a credit card account under my name. Specifically, they consider me a joint account holder when I was/am only an authorized user. This account was originally an HSBC-XXXX credit card account opened by my mother in 2003. The account was eventually transferred over to Capital One. I believe when this transfer occurred, Capital One began to erroneously categorize me as a joint account holder. They have no basis to support this characterization. Namely, they do not have the original application. If they do not have the original application, they can not accurately confirm how the card was applied for. The account was opened when I was only XXXX XXXX XXXX. I never signed the application. I 've complained to Capital One via telephone and through a letter but they have refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
creditor filed and issued a judgement/garnishment of wages on an account from XXXX it was charged off. judgement was issued XXXX. a copy is attached. 
this is a time-barred account that has exceeded the statue of limitations. which is 4years in the state of California. I was not notified of the case. they also have my wrong address. my physical address is XXXX XXXX XXXX XXXX XXXX ca XXXX for the last 5-6 years. but I have worked at the same place for 20years. the garnishment was issued to my company. that 's how I found out about it. I received no phone calls in many years about this account. Capital one. Capital one 's attorney is stated to be XXXX case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a XXXX trying to stay in my home. I am in active foreclosure and filed for bankruptcy. I am waiting a reply for results of a RFI my attorney sent to Wells Fargo for the foreclosure which asks for an explanation as to why Wells Fargo can not provide an account for the history of my mortgage during XX/XX/XXXX-XX/XX/XXXX. I have sent QWR 's 2 years ago, in an attempt to get an explanation for servicing issues discovered in my mortgage and the loan balance was due to pay down in 18 - 24 years as stated to us during the mortgage application process with the bank process XX/XX/XXXX. As of XX/XX/XXXX foreclosure process the mortgage balance was not on course for this to happen. A recent reply from Wells Fargo to my attorney 's RFI, during our now pending bankruptcy process, states that mortgage information for the time frame XX/XX/XXXX-XX/XX/XXXX was not obtainable. I need Wells Fargo to provide me with an amortization schedule from the beginning my loan XX/XX/XXXX to present in order for the amount owed to be verified. I paid many years of double payments. Wells Fargo replied ; they lost 4 years of history but they claim the amount owed can be verified. During the foreclosure process they perjured themselves when they claimed the mortgage amount owed had been verified and have sworn to this fact. They told the courts they have all my records. How can they have verified this amount due as true if a 4 year history is not present to do so. Also during the course of this time frame many extra principle payments were made in order to pay down the mortgage sooner which need to verified as well. See attached QWR replied from Wells Fargo and recent RFI reply as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I purchased a refrigerator and a cooking range from XXXX in XXXX, AZ around XX/XX/XXXX which was charged on a Wells Fargo credit card issued through the retailer. The terms of the finance was Zero interest if full purchase amount was paid within 12 months of purchase which was XX/XX/XXXX ( " Expiration Date '' ). The total purchase price for both appliances was {$2700.00}. 
These appliances were purchased for my new house where I did n't move until XX/XX/XXXX. Due to the various activities involving the move and due to the issues with mail forwarding, I was behind in attending to my mail. As a result I did n't make the payment for the first two cycles on time but did pay them a few days later by phone along with late fees of about {$25.00} each time. I was told that my account is now current and as long as I made the full remaining balance on my account by the Expiration Date, I would no longer pay any interest. In order to ensure no more delays, I scheduled regular payments on my bank 's bill pay system so that payment gets sent each month on time and the full remaining balance is paid before the Expiration Date. Below is the schedule of all payments made : Date AmountXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXTotal Paid $ XXXXPurchase Amt. $ XXXXFees Paid $ ( XXXX ) Wells Fargo however kept carrying a balance of {$10.00} on my account and then charged me interest on it even after the last payment was made on XX/XX/XXXX. When I called them, they corrected the mistake but also closed my account and reported it to the Credit Bureaus as late payment for the month of XX/XX/XXXX. While I made the full payment of {$2700.00} before expiration date and paid them late fees for the first couple missed payments, they have taken the wrongful action of closing my account and making derogatory submission to the credit bureaus, when the underlying cause of this was **their mistake** of having left over fees on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 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: MN

Complaint narrative:
Wells Fargo Student Loans : I am a recent college graduate paying back student loans. I have XXXX in total all different lenders. Wells Fargo does NOT work with you. I have been late on my payments due to not being able to afford paying back my student loans at times. 

Issue causing distress : * Wells Fargo immediately reports a late payment to the credit company if you are a day late with payment ( other student loans do not do this you have a 30 day grace period before they report it to credit ) *I will call in and tell them I ca n't make my due date but can make the payment the next day and still get a late payment sent to my credit. 
* On top of the late payments being sent to credit if you are past your due date they will call you 10+ times a day every day ... even if you answer the phone to tell them to notate your account that a payment will be made on a given day they say " this will not stop the calls '' and the calls continue to happen until the payment is made. They will also call your Co-Signer and your Co-Signer will get the 10+ calls a day ... my grandma can attest to this. 
*I had also requested an automatic payment form to be sent to me at least a dozen times before I was adamant to stay on the phone with a rep until it was received in my inbox so I can fill out and send back ... 

I do n't believe Wells Fargo is fair with their lending. Student Loans should not affect your future. Lenders should be willing to work with you they should be for your future and not against it because they want to make a {$.00} I do n't believe it 's right for a student loan company 's ( this one in particular ) to report a late payment to the credit company a day after their missed due date just to affect their credit more when they are trying to work with the lender to make their payments. They should have a grace period like other student loan lenders. It sets students up for failure in the future when it comes to applying for homes or other things that matter in life ... it 's hard enough that we have to go to college pay {$50000.00} + to graduate and have to re-pay that back right away job or not and not have a lender work with you on payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I think that I have been charged the {$35.00} dollars on the overdraft fees constantly. Some of the account are paid, but mostly keep getting charged the {$35.00} dollars for not having enough money on my account. Some of this accounts, I have n't given them any permission to be charging my account and I still keep getting charged for It. As of right know I owe the bank more than {$500.00} to {$600.00} dollars or more on this fees. XXXX that the Bank would give me credit on this fees, so I could get back to normal status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint Details I was looking on XXXX for an apartment. Someone named XXXX had her own place for rent while she was 'out of town ' and 'sick. ' She was also telling me she 's in XXXX XXXX. So I never met her or took a tour of the place. She put it up for rent on XXXX and they said they would mail me the key once I transferred the security deposit ( {$800.00} ) and the first month of rent ( {$1000.00} ) to the bank in XXXX. I never got the key. Their email is XXXXXXXXXXXX. I think maybe XXXX stole my money too, her number is ( XXXX ) XXXX. Her email is XXXXXXXXXXXX. The address to this apartment is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX asked me for more money to pay her ER bill, I just said no I do n't want the apartment, so they said they would refund me and never did. I went to Wells Fargo to send them a request to give me back the money, and it turns out XXXX closed the account and have stolen the {$1800.00}. I 've contacted XXXX customer service, the police, XXXX, my bank, XXXX, XXXX and noone can help me. I did file a business dispute with them but I do n't know if that 'll work either

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo has and continues to encumber my property at XXXX XXXX XXXX XXXX RI XXXX with a fraudulent, forged mortgage. The mortgage for {$320000.00}, recorded on the property, on or about XX/XX/2008 is invalid and should be removed from the XXXX RI land evidence records. I would like a full investigation into the matter and to press criminal charges against 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 2016-11-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells fargo has decided to pay my flood insurance through my escro account, approx {$550.00}, for the last two years to an independent insurer I hired and negotiate with. Prior to that i pay the insurer who pays Wells Fargo. they also upped my mortgage payment by {$75.00}. Raising property taxes is very little and flood insurance do n't match the increase. Going through XXXX WF said they had no paper work regarding flood ins other than last two years. ( did the XXXX erase ). Prior to that they listed excuses detailing why i could n't independently pay for it, all totally bogus of course. I can prove Ive been paying an insurer for years and Wf claimed in XXXX reference they had always paid it my response was then you owe me over payment money. Have n't had an escrow balance sheet in a long time. The new payment disrupted my other payments. XXXX recommended you saying that they do n't have authority to do much. They never talked to me about this insurance or my escrow.

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 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened a checking account with Wells Fargo ( " WF '' ) XX/XX/XXXX at a branch in XXXX, XXXX. It was a no fee college student checking account. I actively used that account until XX/XX/XXXX at which point I moved to XXXX, XXXX. XX/XX/XXXX, WF had not yet opened branches in XXXX, so I moved the majority of my cash assets to another bank, but kept the WF account open with some cash remaining. When I checked the status of my account a few years later ( approx. XX/XX/XXXX/XXXX ), I was surprised to find out that WF had closed my checking account. Worse, I never received a check from WF with my remaining cash balance in the WF checking account. I never authorized any change to my free checking account, let alone its closing. 

In the wake of the recent developments about WF 's fraudulent practices, I began to wonder what happened to my cash in my checking account. I saw that WF took out full page ads in the XXXX XXXX XXXX to call about complaints to restore customer confidence, so I called that number to see if WF would pay back the money they took from me. I provided my WF checking account information as well as relevant dates to the WF customer representatives but none were willing or able to help me. In fact, they had no record of my checking account despite the fact that it was still apparently open as recent as a few years ago. I obviously knew my account had existed and still had checks, etc. listing the account number. In the end, WF representatives refused to help me. I even think that they thought I was lying about my account ( ironic given their track record on honesty ). 

I suspect a couple things may have happened : 1 ) They changed the nature of my account, without my consent, and ate away at the balance through " fees '', or 2 ) they simply stole the money and closed my account as inactive. I also suspect that the reason WF could n't locate my account is because they had ( or still have ) record retention policies which favor their fraudulent dealings with customer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Roughly nine months ago I began seeking a short sale approval on sale of a XXXX family home that I own. Its a XXXX XXXX backed mortgage with Wells Fargo. Wells Fargo dragged out the approval process for about nine months. They would ask for single documents every three weeks instead of asking for everything they needed. The requests were often cryptic to the point that Wells Representative assigned to me did not understand the request by the processor, or in some cases they would request the same document multiple times. Finally 4 weeks ago they send they would do an appraisal, the XXXX one, since the XXXX one was done so long ago. Instead though I received a rejection notice with a reason that makes no sens, and nobody else can or is willing to explain to me. 

I feel they purposefully strung us along during the process. As does my realtor/lawyer in the attempts to get us to pay as much money as possible. I am not in a position where I can default so my only option is short sale. 

The property is under water by XXXX. We have tried to make the property work by renting it but the neighborhood has gone down hill so much it is impossible to keep good tenants or even find them. The property needs repairs but being XXXX underwater it makes no sense to fix anything. We desperately need relief on this property.

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 2016-09-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo Stealing My money by way of posting and re-order transactions. So many NSF/overdraft fees.

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 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have had a vehicle loan through Wells Fargo for approximately 5 years. Both myself and the buyer are XXXX. I made the payments out of allotments through my paycheck for years. somehow my loan has consistently been overdue, charged large late fee 's, had a high interest rate and has had insurance added to the loan without my knowledge. I have done everything I can to work with the bank and now they threaten me with repossession. Due to all of the issues with the loan the loan is even more upside down than originally anticipated. How do I find out if my loan is part of the Wells Fargo military loan scandal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I 've been trying to complete an escrow buydown with Wells Fargo since XXXX to prevent my mortgage payment from increasing. I originally received notice of this with the name and number of a mortgage specialist to assist me with this process. I called and left numerous unanswered messages. I spoke to various representatives by calling Wells Fargo 's 800 number and nobody could help or get my situation straightened out. I finally made payments over the phone with a representative named XXXX who assured me my account would go back to the previous mortgage payment. Instead, as predicted because I have had similar issues with Wells Fargo in the the past, my account shows late payments. I have made each monthly payment timely, but my account has not been corrected yet and my escrow payment went toward principle. My account has been incorrect for XXXX months. I was told it would be fixed by the beginning of XXXX. This is showing poorly on my credit. My account now shows that my XXXX payment is delinquent, which it is not. I want this remedied immediately! I have made weekly calls to Wells Fargo with promises it will be fixed without remedy. I am sick of calling to follow up about them screwing up my account. It is a waste of my time!

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 2017-02-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Hello. I contacted you about an abandoned property owned by Wells Fargo. Not only have my questions gone unanswered, they have refused to let me speak to a supervisor. I want to speak to a person who can make decisions and supervises account executives so I can get real answers. I feel discriminated against because I am being given vague information, if any at all. I want Wells Fargo to treat me like a human being, not an automated teller machine. I need to speak to someone who supervises the process of even their supervisor, if necessary. This is a public company and I want an answer to my question about the property in question without some type of a run around. 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 2015-10-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo XXXX credit card approved me a promotional offer of no interest if paid in full within 18 months. Half-way through the terms I noticed the company was not charging me equal payments but slightly lower payments to ensure that I would be required to pay the full interest amount at the end of the term. After noticing this, I put down several large payments to remove the balance. The balance was paid on time before the end of the promotional period but I was still charged the {$4000.00} in interest. During a phone call to the company, the representative stated that my last payment ( {$370.00} ) was partially applied to another purchase ( amount of {$290.00}, to a balance of {$850.00} ) instead of paying off the remaining balance of the 18-month promotion ( {$230.00} ). The representative said that the terms I signed up for did not state equal payments nor were they required to expend the minimal payment amount to the oldest promotional balance first. This is a predatory tactic aimed to trap the consumer. Please resolve.

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