vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX TX XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information on my file. The items I dispute also are encircled on the attached copy of the report. 

XXXX & Wells Fargo are inaccurate because I 've made every effort to dispute what is inaccurate on my credit report. I am requesting that the item ( s ) be deleted. 

Enclosed are copies of certified letters supporting my position. Please reinvestigate this ( these ) matter ( s ) and delete the disputed item ( s ) as soon as possible. 

Sincerely, XXXX Enclosures : Crdit Dispute Certified Letters & Screenshot of my Credit report from CK

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 2015-09-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We have contacted the lender several times to refinance this balloon mortgage. We have never made a late payment. The interest rate is over 12 % and unreasonable. This is a XXXX mortgage, without help from the Lender, we have no chance of paying off the loan or keeping our home. 

We have been denied help from anyone at the company and told not their problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I XXXX XXXX am having numerous problems with the staff and the management, at the local Wells Fargo bank in XXXX Va. I have had no income last year and this year I only worked for 3 months, I was very sick for 7 months last year and did not receive unemployment benefits even though I am legally entitled for. This year after my income trickled to a stop, I stopped by the branch numerous times to get them to close my account and they would either say they would close it or pretend to be busy or tell me I had pending transactions so they could n't close it. For example I have had penalties for a mortgage withdrawal from XXXX XXXX, even after they had sold my mortgage Since then they have been slapping me with penalties and have never closed either of my XXXX accounts even when there was a XXXX balance and they had promised to close it after I left ; and I have had to struggle with money. Please help me resolve this issue by having them remove my past penalties and close my accounts. If you contact me then I can provide you the records. But you must seize the data without letting them close the access to the data before an action is taken. I demand monetary compensation for all the aggravation, humiliation, insults and mental torture they caused me. At one time one of the staff managers refused to notarized my paperwork because he said my address was different on my drivers licence. Please help resolve this justly Thank you XXXX XXXX XXXX XXXX XXXX XXXX va 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 2015-05-19 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: Peter Roberts & Associates, Inc.
State: CT

Complaint narrative:
On XXXX XXXX 2015, I had XXXX taken at the " XXXX XXXX of XXXX, XXXX. '' located in XXXX, XXXX On XXXX XXXX 2015, I received a bill for {$91.00} from the " XXXX XXXX XXXX XXXX XXXX XXXX '' agents for the XXXX XXXX XXXX XXXX XXXX On XXXX XXXX 2015, I paid the amount in full to the XXXX XXXX XXXX. 

Yesterday, XXXX XXXX 2015, I received a phone call from a man named XXXX, employee of " Peter Roberts & Associates, Inc. '' He used the number ( XXXX ) XXXX. He claimed that I still owed {$91.00} for the XXXX I had taken. He was able to supply me with my home address, birth day, and the last XXXX digits of my social security number in order to verify the veracity of his claims. I still did n't believe him. So I called the XXXX XXXX XXXX 's medical billing department at XXXX XXXX XXXX XXXX and they confirmed that I paid my bill in full and on time. Then I called the XXXX XXXX XXXX at XXXX and they also confirmed that I paid my bill in full and on time. XXXX companies told me that they had no affiliation whatsoever with the company called Peter Roberts & Associates , Inc XXXX 

My wife and I receive health insurance through XXXX XXXX XXXX, who was the victim of a XXXX on XXXX XXXX 2015. We suspect that Peter Roberts & Associates somehow received our identity information directly or indirectly through this attack.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I have been trying for at least 12 years to enroll in online account access to my savings account with Navy Federal Credit Union. I have called on many occasions day after day month after month year after year and been told because I filed bankruptcy I have lost my privileges to access my account online. This bankruptcy happened over 12 years ago it is not even in my credit anymore but some how Navy Federal Credit Union has my account flagged to never allow me to have online account access. I never heard of being punished for life for a bankruptcy that happened many years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for an American Express XXXX XXXX XXXX which promised {$250.00} after spending {$1000.00} in 90 days. They only gave me {$150.00} after I put in the purchases of over {$1000.00}. I put in a request to have it researched on XXXX XXXX. I called them half a dozen times and it is still not resolved. I sent them the screenshot of their advertisement. They still have not resolved the issue. I am going to file this and let them know I will close my account and deduct what is owing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I had a mortgage loan with Ditech Financial. On XXXX Ditech reported paying the county tax collector {$13000.00} even though my yearly tax payment is {$6400.00}. This left my escrow account negative for over a year. I called the county to have the incorrect payment refunded to my escrow account at which time they informed me that Ditech never actually made the payment. I spoke to the Ditech tax department about this and requested a proof of payment. They informed me they will investigate the matter and have yet to provide any proof of payment or investigation results. It has been over 6 months. Ditech has essentially taken {$13000.00} from me in a fraudulent tax payment scheme. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX 2015, I went to a Wells Fargo branch in XXXX, NJ to inquire about opening an HSA account and specifically about the fees associated with such an account. The bank representative with whom I spoke told me that so long as I maintained a minimum of {$5000.00} combined in both my checking account and HSA account with Wells Fargo, I would not incur any fees. Therefore, I decided to open my HSA account with Wells Fargo. Months later, when looking at my HSA statement, I realized that I was being charged a monthly service fee of {$3.00} per month, despite the fact that I maintained an amount greater than {$5000.00} in my checking account and HSA account. 

I contacted Wells Fargo by phone and they simply told me that the information given to me by the representative was wrong and there is nothing I could do about it. I went to speak with the same representative in person and he said again that he was correct and that I should not be charged any fees and that he will look into it. When I followed up with him on the phone, he said he was still looking into it, but I have never been able to receive an answer.

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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
US Dept ED Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Became XXXX called Wells Fargo for advice was told I 'd be able to get my mortgage payment down and a call after I paid it off or pay what I could I emptied out my 401 ( k ) paid off XXXX % of it was left with a small balance of {$11000.00} and they would not readjust the mortgage so I was paying less which put me in a big bind .they now refuse to lower my payment stating that the person who owed owns my mortgage one allow that after-the-fact I was told this is way too late for that

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 2017-03-18 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
these company is trying to collect a debt that is 12 years old. It was a lease return in XXXX to XXXX XXXX. They sent me a bill I refused to pay. XXXX charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XXXX XXXX and XXXX was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XXXX XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really XXXX should concern them self with the destruction on innocent people on the XXXX airbag issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am in the market to purchase a new home. It has come to my attention that nearly all the lender owned properties require the buyers to get a Title XXXX Certificate and a Certificate of Compliance from the local Fire Department. This becomes another expense for me before the closing. It was my understanding that the seller was required to get these things. Is their a law that requires the seller to do these tasks?

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 2017-02-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Had my auto loan refinanced, the refinance company paid off the loan, and the original creditor reported my account has 30 days late to XXXX major reporting agencies, which my my XXXX score drop by XXXX points, after the loan was paid the original creditor called and said I owe {$76.00} to close the account I paid the amount and considered it closed, but the still reported it as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I called Wells Fargo to inquire if I could reduce my current personal credit card rate. I was told by the agent that " they would transfer money into my personal checking account at 4.9 %, plus a fee '' When I asked for clarification, he had no clue what he was talking about. I KNOW what he was talking about - a Balance Transfer with a fee. He could not explain it, provide disclosures, provide details, etc. I immediately asked for his supervisor. " XXXX '' got on the line after XXXX min to tell me that " I was not understanding his associates words ''. HA. I totally understood ; his phone rep did not. I have worked in the credit card industry. It was misleading, uninformed, bogus, totally outside of standard practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been denied several times by Wells Fargo with no explanation. They just say based on their numbers, that I am denied. It does n't matter what I tell them my income is, or my property value, they just use whatever numbers they feel like. I have been speaking to a housing counselor and according to their system, I should be well qualified for a HAMPtier2 or HAMP Streamlined modification. It just seems like I am not being throughly reviewed and just denied. I have a very high interest rate at 6.5 % and my home is worth about {$420000.00} according to my local realtor. If my rate is lowered to the market rate, I do not see my mortgage payment becoming a problem EVER again. I am just asking for help to get caught up because my business slowed down a couple of years ago. I keep getting assigned to the same people who are not taking the time to review my individual situation properly, and seeing that if I just get help catching up, I should not have a problem falling behind again. Please help. I give my full authorization to XXXX XXXX, XXXX XXXX and XXXX XXXX to recieve information on my behalf.

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 2016-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This started in 2008, I had to close my XXXX due to the economy, I tried to get a modification on my own ended up having to hire a firm to get me a modification, supposedly they got it then after 2 years of making the modified payment I was contacted and told they were foreclosing on our home.The long and short of it I was told the servicer approved but the lender did not. I have a loan that is a Mortgage backed security serviced by Wells Fargo, the investor is XXXX.I have requested modifications on my Mortgage, because this loan is not affordable it is almost XXXX per month, it is not owned by XXXX or XXXX so I can not get into a HAMP. program. What about us 27 % of Americans that have loans that where sold off into these ridiculous type of loans that is not owned by XXXX or XXXX that has done everything possible to stay in our homes that are severely upside down? I have been forced into bankruptcy 2 times trying to save my home. Not only has it ruined my credit but makes me less qualified to get a new loan. The loan is not being reported to the credit agency because I was told the loan was not reaffirmed and that had to be done at the end of the bankruptcy, this was never told to me by my attorney and you can not go back and do this? I just do not understand why I can not get the help that everyone that had a XXXX or XXXX loan was able to get. I feel the discrimination. Why can there be no bail out or even reducing the rates on the upside down property. I am told I should walk away from my home, but it is my home. The bank will be hurt by this badly but they would prefer to take the loss then help a home owner keep there home, is there any sense in this? Had I not lived here 25 years then maybe it would make sense to walk away.

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 2016-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have been with Navy Federal credit union for five years and paying my bills through bill pay and now they are taking a {$1.00} without even letting me no they where charging a fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Went to Wells Fargo to open an account with a representative, explained to her I came to the bank to open an account to receive direct deposits from my job. I excplictely told her I only want a checking account. About 3 weeks later I get notices in the mail and I see I have a savings, and a line of credit open. I call in to Wells Fargo and explain the whole ordeal and was very frustrated. I got my account removed. 

I went into another branch because I did n't feel comfortable anymore in that store. The agent told me I was not able to open anymore line of credit for a long time. 

I should not be punished for closing an account, when I had no idea it was open in the first place

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 2015-06-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XXXX/XXXX/XXXX, I purchased a used XXXX XXXX, from XXXX XXXX. The total price was {$32000.00}. Wells Fargo Bank picked up the loan for XXXX payments of {$670.00}. It was later switched to Wells Fargo Dealer Services. I have made XXXX payments for a total in excess of {$49000.00}, all the while receiving XXXX upon XXXX of harassing phone calls at all hours of the day, to every number I 've provided to Wells Fargo. I am charged at least an extra {$10.00} processing fee, for every payment. When I called today, to schedule the last payment, for Thursday XXXX XXXX, I was told that if I did n't make the payment by tomorrow, XXXX/XXXX/XXXX, I would have to surrender the vehicle. I do not get paid until the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The U.S. Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX. Navient in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The Florida Department of Education received notice from XXXX on XXXX XX/XX/XXXX that my loans were discharged. Nonetheless, and inexplicably, the Florida Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XX/XX/XXXX. Now, each of the XXXX credit bureaus -- XXXX, Experian, and XXXX -- is incorrectly reporting that my loans are in balance status when they have been discharged by the US Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over 130 days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.

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 2016-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: OH

Complaint narrative:
There was an account in my name through XXXX and about 5 months ago this account was resolved and XXXX put in writing to remove his account from ALL XXXX credit bureaus. XXXX did that and then now a new collection agency decides to try to get a commission check and putit right back on to my report. I spoke with XXXX XXXX on XX/XX/2016 he claimed to be a supervisor but did nothing to look into ths. He just wanted to get me off the phone and transfer the call. It took me a long time to get this resolved and now this bogus company is trying to get a pay check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed