vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact Alexander rose per the address listed on my credit report and the letter sent just info about dates of the collection. Did n't even read what I sent or cared. I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I filed chapter XXXX bankruptcy in XXXX 2013. My house was not included in the chapter XXXX bankruptcy. I have tried multiple times through my attorney and wells Fargo mortgage company. This is not being reported accurately on my credit report. It has brought my credit down and i am not getting credt for my house payment. When I do call the attorney he said there is nothing he can do about it. Wells Fargo also has stated the same thing. I have tried for 31/2 years to get this corrected. I need help so i can refi my home asap. I do not know where to turn at this point.

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 2015-05-18 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX and this is in regards to my my brother, XXXX XXXX, who took a payday loan out with Cash Net USA in XXXX XXXX according to XXXX XXXX with Cash Net USA who provided me this information today XXXX XXXX, XXXX because he was thinking I am XXXX. XXXX XXXX never paid the loan back, and since he gave my name and number and my sisters names and numbers on the application, Cash Net USA and a private locator by the name of XXXX XXXX that they have hired, have been calling us and harassing us about the loan. XXXX XXXX leaves threatening messages stating that the message is for XXXX XXXX and that if they do n't get in touch with XXXX that they will have to take legal action in court. From that message, anyone listening to it can tell it is regarding a debt. Those messages are embarrassing to us and we do n't want our children or spouses have to listen to those types of messages left on voicemails. We never gave Cash Net USA or XXXX XXXX authorization to provide our phone numbers on the application. That was done without our authorization. We have nothing to do with this debt and Cash Net USA and any individuals, like XXXX XXXX, that they have hired, should not be calling us at all or discussing the account with us at all that they have done. We do not have anything to do with XXXX XXXX as we do not speak with him and do n't want anything to do with him. All of us have been estranged from him since XXXX.

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 2015-10-08 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: NC

Complaint narrative:
I have tried several times to work with my lender on repayment options for years now. None of my efforts have been successful. I have proven to be a loyal customer by making almost all of my payments on time and in full over the passed five years, yet my principal balance has never been touched because my interest is so high. The majority of people I talk to are rude, condescending, and do not listen well. I feel as though there is no sympathy or flexibility in offering a strategic plan that I can afford. I have shown I am capable of making payments consistently as it is a priority I have set for myself, yet there is no help when I am in need of help. I call to negotiate and it is written off completely because it 's against their law. They have been bailed out yet they will not 'help ' out their customers in need. They have made rude comments like, " Well, ask Daddy to pay since he 's your cosigner, '' or " If we cut you some slack then we would have to help everyone and would have lawsuits for days ''. I do not appreciate being talked to like I am a criminal, 'less than ', or stupid. They may train their employees to be rude and harsh in situations where people can not pay their monthly amount, but I am person and their customer and deserve to be treated better. Part of the reason big banks were bailed out is because they handed out XXXX dollars in loans with astronomically high interest rates to ignorant, uneducated XXXX students. Now, some of these people are graduated, XXXX dollars in debt, and are putting forth effort to try to pay down these loans, yet no private lender is willing to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We fell behind on our loan. We worked the Wells Fargo and got a modification. Was good and fell behind again. This time they would not do a modification. After months of back and forth they let us do a short sell. We had a offer and they took too long to approve it and said it was too low. They came back with a number that was too high no one would look at the house and they would not lower it enough to get any offers. So we ask to do a Deed in Lieu which has been taking 6 or 7 months to do. We were told what we had to do and we have done it and they are telling us that there is a lien on the house from when it was refinanced year ago and the paper work was not taken care of correctly and that it could take months or years to straighten out. The whole time this has been going we have been different story 's and they do not responded in a timely manner. Wells fargo does not know what they are doing with in thier own office. This department does not know what that one is doing and they all say something different.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I was an XXXX XXXX XXXX and was banking with Navy Federal, I opened I had XXXX open loans as well as a credit card with them, well I also applied for the loan protection that will cover me in case of loss of life or employment, anyways, I was released from militray service casue of force of reduction ( downsizing ) I had called Navy federal since XXXX 2015 till a few months ago I also communicated thru secure messge thru their websit, what irritates me is that when i was released fro XXXX XXXX I went ahead and call Navy Federal to inquire on what was needed, I called thru their XXXX number as well as secure meesage -- - I did what was told of me, then I found out that It was thru a XXXX party that covered the protection -- - I called them and they representative told me that NAvy Federal should of told me the requirements, with all the communication with NAvy Federal theu Private message and calling them, as well as a financial planner going thru my records, I was told by representative that I wouldnt qualify becasue i was at my 31 day and I nneded a documentation stating I was receiving unemployment -- - I feel that with the lack of informationfrom Navy Federal I was screwed andnow I have empoyment that salary is way less than military but now I have a huge amount of debt that I cant pay maybe in a lifetime

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I completed a loan modification with Wells Fargo. I paid on-time forXXXX months. During the process I was told I had title issues. This is my XXXX attempt at a modification with the title work being the hold up of completion. I filed bankruptcy and am not obligated to repay any of the debt of this mortgage loan. However, Wells Fargo and its title agency are falsifying information and including debts and liens from another person. I have provided information to them on several occasions that this person of the same name is not me. I have paid for an independent title search and these debts are not on my credit report. During the trial period of three months I had XXXX different specialists aasigned to me case. I received a letter recently stating I had to respond to the title issues or my modification would be denied. I responded with all requested documents and I called to confirm the documents were received. When I asked about the documents, a rep told me that they had not even been reviewed yet by the title department but yet a letter was sent stating they would deny my request. At this point, I really feel as though Wells FArgo does not want to complete this modification and are determined to make these liens which I have proved do not belong to me, a part of my file as their jusitication to mot approve it. I have years of experience with lending and real estate and ca n't even imagine the number of people who they have probably taken their houses away from them in this manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Integrated Recovery Services
State: MN

Complaint narrative:
I submitted this information on Yesterday but I wanted to add more information ... I researched other complaints about XXXX XXXX but I did not have the name of the company they are posing under is Integrated Services and the phone number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo mortgage is reporting a negative remarks on the mortgage account that was never defaulted, never included in chapter XXXX bk. Property was sold and loan was paid off. 
Numerous attempts and requests sent to wells fargo mortgage were ingored. All XXXX CRAs are reporting this closed mortgage account with remarks : WELLS FARGO HOME XXXX # XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Opened : XXXX : Individual AccountAccount Type : Mortgage AccountLoan Type : CONVENTIONAL REAL ESTATE MTGBalance : $ XXXX Updated : XXXX Payment Made : XXXX Balance : $ XXXX Status : XXXX ; Account Included in Bankruptcy & lt ; Date Closed : XXXX : XXXX ; CHAPTER XXXX BANKRUPTCY XXXX ; ; DISP INVG COMP-CONSUM DISAGRS ; CLOSEDEstimated month and year that this item will be removed : XXXX

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: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX TWO YEARS AGO I HAD AN ACCOUNT WITH WELLS FARGO. HOWEVER MY CARD WAS STOLEN AND CHECKS WEREM WRITTEN AND I FILED A REPORT WITH THE BANK REGARDING THIS. SOMEONE STOLE OVER XXXX FROM ME. I WAS IN A TERRIBLE XXXX WHICH LEFT ME XXXX AND UNABLE TO PAY BILLS TO LEAVE ME HOMELESS. THEN SOMEONE STOLE MY MONEYN AND COMMIT FRAUD. I HAVE TRIED SEVERAL TIMES CONTACTING WELLS FARGO THEY HAVER FAILED TO RESOLVE THIS ISSUE WHICH HAS LEFT ME NEG. AND REPORTED TO XXXX SYSTEMS. THIS WAS MY FIRST CKING ACCOUNT. PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX : Initial Question/Comment : Mortgage refinance interest reporting form XXXX for loan XXXX was not issued XX/XX/2014 to XXXX. 
Interest deducted from loan XXXX itemized tax XX/XX/2014. 
Loan XXXX closed XX/XX/2014, interest for XX/XX/XXXX, XX/XX/2014 was reported. 
Interest on loan XXXX not reported for the time period of XX/XX/2014 thru XX/XX/XXXX closing of loan.

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 2016-07-18 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for a Chase Sapphire credit card. Chase denied my application. The reason given was I had received too many cards in the last 2 years. My credit score is over XXXX and I have 20 years of clean credit history. I do take advantage of credit card offers when the rewards offered is equal to {$100.00} or more. I think they denied my application because of this and because I do not carry a monthly balance with any credit card nor do I make cash advances or transfer balances. I think this is unjust discrimination. Can anything be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I traded in my Honda Pilot, loan # XXXX, on XXXX/XXXX/15. The dealership who purchased the vehicle from me sent a check to Wells Fargo Dealer Services on XXXX/XXXX/15. Wells Fargo Dealer Services does not acknowledge receipt of this payment and refuses to research the payment without the certified mail receipt number. I have offered to send them a copy of the payment invoice, but they refuse to investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a mortgage with WELLS FARGO that is in BANKRUPTCY. I have complied and made all of the payments on time for almost five years. I made arrangements with the taxes and was making monthly payments on my taxes on the home. The home is a reverse mortgage. I paid the loan off. Wells Fargo stated that they paid my taxes without my knowledge and added thousands of dollars more than I owe. They are trying to make me pay XXXX dollars a month on my Bankruptcy. I am already paying XXXX a month and is almost done with my Bankruptcy. I never asked for my bankruptcy to be modified. This is all being done behind my back and without my knowledge. PLEASE HELP ME. THIS IS WRONG!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had a personal automobile loan with Wells Fargo Bank. I bought it used and as the car was now 9 years old, I decided to trade the vehicle in. I found a car I wanted at XXXX in XXXX XXXX, NJ. I traded the vehicle in on XXXX XXXX, 2015. I told the car dealer I had a payment due with Wells Fargo Bank but they told me not to make the payment as they already had the payoff and I would alter the paperwork if I made a payment. On or about XXXX XXXX I was called by Wells Fargo and they wanted to know why I had not made the XXXX payment on my loan. I told the individual that the vehicle was traded in on XXXX XXXX and gave her the name and telephone of the general manager, XXXX and sales man, XXXX, I dealt with at XXXX XXXX. Also, the sales man said they had called Wells Fargo to get a payoff when I signed my paperwork and that payment was in with the payoff. She said she would look into this but if they did n't receive a payment they were going to report me as a delinquent account. About 5 or 7 days later, I was again called by Wells Fargo about the car loan. I again told them the vehicle was traded in and additionally, the dealer already sold the vehicle I traded in. I asked them if they contacted the dealer and I was told it was n't their problem. I called the dealer and told them what was happening. They informed me that Wells Fargo never called them to verify my information as they said but they did have the payoff and it was already sent. I received a letter from Wells Fargo stating that the loan was paid off on XXXX XXXX. However during this time, they reported my account to the various credit bureaus as being 30 to 60 days delinquent.Naturally, they have now destroyed my credit score as it dropped XXXX points due to this reporting. The final insult was that I only had 4 months on this loan and never had a delinquent payment. Also, I had being making extra payments of {$15.00} to {$20.00} per month to pay the loan off ahead of time. I can upload and send my agreement of sale dated XXXX XXXX, 2015 if needed at a later time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
They keep calling my Job and harassing me about making a payment. I would like for them to stop calling my job and on a emergency line at that. I will pay the money when i get it and they can call my phone would be better.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
RE : XXXX ; WELLS FARGO NEVER requested to its Loss Prevention to have accounts ending in checking : XXXX and Savings ending : XXXX reopened or request to have the " Hard Hold '' removed based on the supporting documents received in Loss Prevention on XXXX/XXXX/XXXX supporting the deletion of the inaccurate and incomplete information by its Affiliate XXXX. The request, was made by WELLS FARGO, was ONLY to close the accounts to cover-up its Discriminatory Practices and VIOLATIONS of ECOA As Amended for protected traits ; race ( XXXX ) ; sex ( male ) ; age ( XXXX ). I have been singled out by WELLS FARGO and retaliated against, treated unfairly in an attempt to " get rid of my accounts '' for filing this COMPLAINT with the CFPB.

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