vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy Federal Credit Union attempted to get my loan refinance by offering a 'Rate Match Guarantee. ' They then delayed and delayed the process to ensure my other bank rate would expire and then surreptitiously voided the deal they had with me. They had a criminally bad appraisal of my home done ( coming in over {$100000.00} lower than other appraisals ) and then told me they would use the appraisal of a different bank. After sufficent time passed for the rate I had from the other bank to expire, Navy Federal changed positions and insisted they could not use the appraisal of another bank but encouraged me to reapply for a loan at a much higher rate. This caused me to lose substantial rate savings and hurt my credit through multiple hard inquires.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a XXXX XXXX credit card through Wells Fargo. In XXXX XXXX, I purchased furniture under a 12-month interest-free promotion and paid it off in XXXX XXXX. In XXXX XXXX, I purchased additional furniture under another 12-month interest free promotion. My balance is {$340.00} and the promotional period ends in XXXX XXXX. My minimum payment due is {$130.00}, which would cause me to repay the loan in full by XXXX ( instead of enjoying the benefit of interest free payments with a minimum monthly payment of roughly {$65.00} until XXXX XXXX ). Wells Fargo is alleging that the furniture store set the promotional balance, and they they calculate my minimum balance differently. This practice is deceptive. I was promised the ability to make payments for 12 months interest free, but if I do n't make the minimum payment I will hurt my credit and be charged all of the interest I have saved so far. This is deceptive and misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

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 2015-08-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a personal loan with Wells Fargo and I was out of the country for a funeral and my personal loan fell behind. Wells Fargo discontinued my debit card while I was overseas and took all my funds from both my checking and savings leaving me without no funds without sufficient notice and failed to refund the money when i asked them why they took all funds from my account. I had no money for rent and my direct deposit check was seized as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo has allowed incompetent employees to essentially force someone who is suffering from XXXX into a personal credit card with a rate XXXX points higher than the previous BUSINESS credit card he was attempting to transfer to a new BUSINESS credit card with Wells Fargo. The agent made the application for a personal credit card in mistake. In fact, the balance transfer was from a BUSINESS CREDIT CARD ( which was provided ) and was intended to go to another BUSINESS CREDIT CARD with Wells Fargo. Once the mistake was brought to the banks attention they FAILED repeatedly to resolve the situation within a timeframe for which they had control. The branch employees and manger made numerous promises to reverse and fix the issue only to go back on their word, eventually telling me, " we have your signature '' after the window of opportunity to resolve the issue was gone. I have documented the steps that were taken by the consumer to resolve this issue and the amount of time already invested by a XXXX customer. The regional and national managers have done nothing whatsoever in fact the national office has never returned multiple phone calls. I have also attached numerous voice recordings, some of which are the manager speaking to resolving the issues and refunding fees which have still never been refunded. This is fraud and fraud of a XXXX person. If the bank continues to play this as " we have your signature '', our next step will be to take the story to the local news, and then small claims court. Be advised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
wells fargo allowed my at that time wife to obtain a credit card in my name with a credit limit of {$6000.00} and account ended up with a balance of {$8800.00}. this has had a bad effect on my credit for 10 years helped cause me to lose the ability to change mortgage companies, get refinance and continued to raise my mortgage payment knowing I was stuck in that position with their company.

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 2015-09-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Our Wells Fargo Home Mortgage Loan Number XXXX, recent Interest rate hike is more than reasonable. For XXXX years our base rate was 2.25 %, bought down by an initial substantial payment. Now interest is being raised by the full Libor rate. 

This week Wells Fargo advised that the rate would be the full Libor plus the initial rate or one they calculate to be 3 %, a 33 % gain when it is well known that there has been no substantial gain in interest rates over the last XXXX years. For a year, based on my {$150000.00} mortgage, this results in an additional {$1000.00} increase in payments. Based on this, the next five years, assuming a 1 % Libor each year, would cause the rate to be 7.24 %, a full 322 % gain, or at a minimum, an additional cost to me of {$5200.00}. This is usury. 

The loan agreement does stipulate this Libor rate increase but it is XXXX '' thick document, over XXXX pages, and I missed the full Libor increase clause when initiated. I thought, when they said an increase it meant the percentage change in the rate, not the full Libor rate. A change would mean subtracting today 's Libor rate from the original rate and using the sum as the adder. This would be reasonable. 

Credit score is not in question because mine is XXXX. Is there anything you can do to relieve me of this additional cost?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bought vacation package by paying with Citi credit cards, had problems with merchant and disputed the transaction. After a month Citi cards wrote me official letter stating they can not help me with my dispute. Spoke with many supervisors but noone seemed to care about my problem and just told me to deal with merchant myself. Never had that kind of issue with XXXX XXXX or XXXX card. 
Very horrible way to loose a loyal costumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My freshman year, I needed to take out a private loan on top of my federal loans in order to afford college at XXXX University. This was in XX/XX/XXXX-XX/XX/XXXX and I borrowed around {$21000.00} from Wells Fargo. I have continued going to school on and off in the years since and I am XXXX classes away from graduating. I switched to the XXXX after completing two years at XXXX. Meanwhile, I 've had to work full-time for most of these years and I have also become a mother. My debt -- just from this XXXX loan -- is now around {$31000.00}. My total debt is {$100000.00} including all the federal loans and a XXXX private loan. I do n't know how I 'm ever going to repay this amount. This semester, I am taking more time off in order to work full time and start paying off the loan, particularly because Wells Fargo has been harassing my co-signer ( a former teacher/mentor ) and affecting her credit as well, but I also really want to finish my education.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My business partner and I opened a business bank account with Wells Fargo Bank XX/XX/2016 ( XX/XX/2016 ) and gave the Business Specialist all the business documentation he requested, including our DBA statement. XX/XX/XXXX I received a letter from Wells Fargo ( Risk Operations ) saying that the bank needed more 'business verification documents ' from us. I returned to the bank ( XX/XX/2016 ) and gave another Business Specialist our signed Partnership agreement and requested that if anything else was needed, to contact us. He said that he was sure that this doc would suffice and did n't know why the first Business Specialist lead us to believe that the Bank had all the necessary business documentation from us. On XX/XX/2016 I looked at our business account online and saw to my great shock that it was closed with absolutely no prior notification to us. I returned to the Bank on XX/XX/2016 and the spoke to the same Business Specialist I visited on XX/XX/2016. He said that 'perhaps our DBA had n't been scanned ' in in the first place. He appeared to be just speculating and he could n't talk to anyone who actually knew why our account had been closed. On XX/XX/2016 my general partner returned to the Bank where we opened the account. She spoke with the Business Specialist who actually opened our account. He said that our account is now 'open ' again but could n't tell us why it had been closed ( in error ). He also could n't tell us when we would receive the {$820.00} that was the balance in our account when it was closed. ( WF XXXX out the balance when they closed the account ). He said the check 'was in the mail ' and also it 'might be Fedexed to us ' but could n't give us a tracking number or any indication about when the check will actually be sent to us.

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 2015-08-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Student loan with Wells Fargo constantly calling me from different numbers to collect since at least XXXX 2015. They also constantly call and harass my cosigner, and now they 've called my boss 's PERSONAL cell number. I do n't know how they even got that number! I called them today and told them to immediately remove my boss 's personal cell number from their call list, to which they say they will comply. If Wells Fargo does n't call my cosigner and I every day, they call at least every other day, sometimes multiple times a day. They also call after XXXX CT. Only number that comes up in reverse lookup is XXXX. Other numbers they 've called from are private and not listed but include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Update ReportXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear CFPB and Mr. President ObamaI have sent a complaint to server officials and received the same response from ASC every time. My mortgage Company ( ASC ) has sent the same papers repeatedly to you. The questions that were asked were never answered. 

1.Was I a victim of Predatory Lending? 

2.Was and am I being treated fairly? 

Those questions were avoided, with a hold lot of papers, on this is how the loan was given to ASC. Does anyone check into these situations to find out the truth or do we just bury it in more paper. I was referring to the XXXX loan. Not the collection agency/ mortgage company ( ASC ). I was expecting an answer. I do not have anymore money for a lawyer. They messed me up in papers too. My sister is on SSI. Since I made the complaint in XX/XX/XXXX. I have been sending papers to ASC to get this modification. Papers to prove my income, my sisters and my nephew income. The last paper ASC requested was a letter explaining what the abbreviation ( Allot ) on a pay stub meant, It 's allotment. I was promise a lower payment, not a lower interest on the same money. They would n't even refinance. That is why I need to know after 8 years of payments, if this loan was a loan that they anticipated to fail, and with all our saving with it. 

On XX/XX/XXXX, I was told that the modification was denied due to the fact that our loan only accepts XXXX modification pure loan. I asked why did they put me through 8 months of paper work to say that. Requesting all that paper work for what. XXXX XXXX XXXX said that we could reinstate our mortgage, put what I owe on the back of the mortgage, and start paying it. XXXX XXXX XXXX ( my worker ) told me that I have to pay {$50000.00} to reinstate my mortgage. I have to do a short sale or deed of lieu or just foreclose. XXXX XXXX stated that I ca n't be helped. I do n't qualify for none of the government loans or programs. I want to keep my home. This all started when the roof needed repairs and they refused, due to my one-month late mortgage. It does n't seem fair for a company to mislead you and leave you homeless after 9 years of payment and harassment. If there is anything else that I can do please let me know. 



Thank You for all you tried to do. 
If there is anything more let me know XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
XXXX XXXX called my presonal line then my work # stating to call XXXX and reference case XXXX that action will be taken against me. They should not be allowed to call my work number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
We were trying to trade our current mobile home in on a new home and the closing attorney needed a copy of the title of our current home and was not having any success in getting it from Wells Fargo so they asked for my assistance. This process started in XXXX. On XX/XX/XXXX I contacted XXXX at my local branch of Wells Fargo in XXXX, SC on XXXX. XXXX told me it would take one to three business days to get the copy of the title. On XX/XX/XXXX XXXX called me to let me know he was working on my request and I could contact him if I had any questions. On XX/XX/XXXX I talked with an associate of XXXX who wanted to let me know he had to leave the office early. On XX/XX/XXXX I went back to Wells Fargo to see what progress XXXX had made and he told me that he was told it would take an additional week to ten days to get the copy. On XX/XX/XXXX. XXXX called me and told me to call the XXXX to get a copy of the title. I called the XXXX and was told that I could not get a copy because the lean holder was the only one that could get a copy. My case was turned over to a Home Equity Specialist named XXXX. I have had trouble getting XXXX to return my phone calls. She called me on XX/XX/XXXX while we were out. I tried to call her back on XX/XX/XXXX, twice on XX/XX/XXXX and finally heard from her on XX/XX/XXXX at XXXX when she told me that I needed a to get a DMV lean report. I went to the XXXX to ask for the report and they told me there was no such report. I was able to getan information inquiry which showed that my mobile home was still showing the lean holder as XXXX bank. XXXX was aquired by Wachovia who was aquired by Wells Fargo who did not update the information after the takeover. Wells Fargo said they only have a copy of the loan agreement. I tried to call XXXX back on XX/XX/XXXX to tell her what the XXXX told me and can not get her to return my calls. I tried to start the process over again by filing another request on XX/XX/XXXX. I started at XXXX and was given other numbers to call and transfered to to different departments ending up with the mobile home department and being put on hold and when a person came back on line i was told she could no longer help me and hung up on me. I have been hoping that I would recieve a solution by now but got another letter saying they would have a resolution by XX/XX/2017. Can you please help me get a copy of the title to my mobile home. I can provide Vin #, Vehicle ID and such information as needed upon your request. 
Thank you for your assistance

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 2016-09-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO XXXX is reporting this loan as INCLUDED IN BANKRUPTCY. I paid for this loan in full and was not included in my bankruptcy.

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 2015-04-10 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX phoned me to collect on a loan taken out in my name from an online cash net on XXXX XXXX 2014. They had my ss number part of my birthday my physical address, phone number, my daughter 's drivers license and my simulates email. They deposited the money into her bankaccout. I believe my soninlaws did it. How could they processed it without my signature? I made a police reported.

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 2016-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have repeatedly told Wells Fargo Dealer Services that they can only contact us via mail or XXXX phone number. They have violated this notice on 3 separate occasions, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. XXXX XXXX XXXX, a supervisor, has no explanation of why they continue to violate federal law. Wells Fargo has been told to only contact us at our home number of ( XXXX ) XXXX, however, they continue to harass us and contact me at work and on my cell phone. They have contacted me 3 different times at a phone number not authorized for contact.

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 2015-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have XXXX sub-prime loans with Wells Fargo Bank. XXXX loan that I owe I have been paying. The other loan which I believe is fraudulent is behind in payments. Wells Fargo has sent an intent for foreclose based on the loan that is behind in payments. I understand that but they also have reported the loan that is not past due in foreclosure and added additional charges to my last XXXX statements based on their procedures to foreclose. They have also reported my account that is up to date and current past due. The additional charges they have place on my loan that was current have cause the interest payments at 8.6 % daily to increase making the amounts I submit for payment less on my loan and more in fees and interest. Can they do this on a seperate loan and still charge me fees on the one that is past due. Since I have asked the numerous time to combine the loans and they refused - seems strange to me how they can put charges from XXXX account on to a seperate account if they are not connected?

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