vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Since XX/XX/XXXX, I have been trying to solve credit fraudulent charges on my wells Fargo credit card, in the amount of over {$4000.00}, in which I did not make, nor authorized anyone to do so. Nor did I ever told anyone at wells Fargo the CV Code on the back of the e card, because, I did not have the card in my possession. I have spoken to every one there from the executive office to the fraud dept., claims dept., and so on, yet the only credit back about {$900.00}, not the entire about of fraudulent charges of over {$4000.00}, as requested on XX/XX/XXXX, claimer taker by the name of " XXXX '', who later on, I found out through the claims dept.-Supervisor, who told me, that she did not a lot of the items. However, she was to send me a new affidavit with what she added on to the form, if any other charges are listed for me to list them all, and send it back to them, in which I did in XX/XX/XXXX, along with the Police Report, Ft reports, and letters from me. Yet, each time, I call, I tossed around on the phone to different department, with different stories to tell me about my claim. It seem like no body at wells Fargo is Incompetent enough to handle this case, especially when they have some one calling me from the department in which does not handle fraud issues. As far as I am concerned, I have come to believe all that the media has to say and make consumer aware about wells Fargo fraud business dealing s with their customers. However, I am refuse to be another one of their statics. I REFUSE TO BE PENALIZED FOR FRUALENT CHARGES, IN WHICH WAAS NOT MADE BY ME, UNDER ANY CIRCUMSTANCES, ESPECAILLY WHEN I HAVE BEEN IN AND OUT OF HOSPITAL DUE TO XXXX FROM XX/XX/XXXX TO XX/XX/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 2017-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a simple request. I want Wells Fargo Home Equity Loan to report the correct Balance and monthly payment amount to the credit reporting agencies. Specifically, HELOC # XXXX was reported XX/XX/2017 ( see attached ), after filing a dispute with all three credit reporting agencies one month ago, that the monthly payment was NOT {$11000.00}. The current monthly payment amount is {$1200.00} as of XX/XX/2017. The principal balance on XX/XX/2017 was {$410000.00}. Please report the XX/XX/2017 monthly amount due and the principal balance on that date. 
This issue of incorrect balance reporting and incorrect monthly amount due has unfairly raised my monthly expense profile for Debt To Income ratio calculations. It creates unnecessary confusion for lending requests resulting in denials of credit and depresses my FICO score unfairly.

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 2016-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
my XXXXname is XXXX XXXX i was a navy federal credict member i had account it went into a overdraft status they let me attach my grandson XXXX under this account they siezed his account trying to collect my debt he is XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
The agent for the company, XXXX, called my references after I was less then 1 week late on making my payment. They only made XXXX attempt to contact me which was by calling my home phone at XXXX when I, like most other people was at work and did not leave a message. When she called my references She gave detailed information as to why she was calling to my references so to embarrass me I assume. They were not given permission to contact or discuss my account or situation with anyone other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have initiated a wire transfer on XX/XX/2014 from my savings account at Wells Fargo Bank ( XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) to my father 's account in XXXX, it has been more than 10 days and my father did not receive any money yet, when i contacted the bank there is no response from the Branch, i have visited the bank 3 days in a row.

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 2016-04-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I receive a loan for a new furnace. I was told if I paid {$150.00} a month there would be no interest. I have paid this account way ahead and have been charged interest and late charges by Wells Fargo National Bank. I should not have been charged either interest or late charges. on a paid ahead.

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 2015-10-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was promised a XXXX signing bonus points which is worth {$400.00} in cash when I applied Wellsfargo XXXX XXXX XXXX on XXXX XXXX 2015. The Letter came with the card arrived said I would get points posts to my account XXXX billing periods the date after {$3000.00} qualifing net purchase posted. I made my {$3000.00} spending in XXXX and today XXXX/XXXX/2015 XXXX billing periods after still no sign of my bonus points. I have called every month a few days after each closing date, and got same answer XXXX billing periods after 3 month spending period ' which is different from it stated on the letter. Every time I called I had to speak to XXXX representatives and repeated the same story over and over. Call center CSR had no authotity to offer any help and said just wait or write to executive office. I am done with waiting, here is my complain!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Since XX/XX/XXXX, I Have Been Banking At This Bank And Have Turn Down for A {$3000.00} Loan. Today XXXX XX/XX/XXXX, I Went To Check On The Fees That They Take Out Every Month At {$12.00} Which Came Out To Be {$260.00}. - {$18.00} They Only Gave Me Back. Now When The Bank Changed Every Thing And Gave Up With This Account It Was Said That If I Use My Card XXXX Times A Month NO FEES Would Come Out Of My Account. But That Was Not True.WELLS FARGO BANK

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During the recession, I incurred personal credit card debt and in late 2014 called Wells Fargo Financial to ask for an interest rate reduction to reflect the fact that my payments were never late. A Wells Fargo representative said they could n't do that but gave me the names of XXXX credit counseling agencies, which the representative said would be able to negotiate a better interest rate. I signed up with XXXX of the XXXX agencies the rep recommended and always paid the agency on time. A year later, I checked my credit report only to find that the agency paid Wells Fargo late for the first 3 months I was enrolled in their program. I went from having no late payments to several. Wells Fargo refuses to remove the late payments off my credit report or the name of the credit counseling agency from its recommended list.

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 2016-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom this may concern, I am worried that either through identity theft or inappropriate account management a number of unauthorized Wells Fargo & Company accounts may have been opened without my permission. 

I kindly ask that Wells Fargo & Company provide me with all of the current and former account numbers opened using my personal information and the signed contracts / deposit agreements authorizing the opening of those accounts. 

Sincerely Yours,

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 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GCFS, INC.
State: CA

Complaint narrative:
I am filing a complaint against greater California financial services because they are illegally trying to collect on a XXXX XXXX credit card debt that is not valid and also past its statutes of limitations. The credit card account was charged off seven years ago and it is not shown as reported on my credit report as of XXXX/XXXX/15. When the company first contacted me last year, they misinformed me who they were staring they were a law firm as a scare tactic. Since then, I have written a cease and desist letter along with a zombie debt letter but they continue to demand payment. Not only are they saying I owe this debt but they are claiming I owe XXXX the amount of the original debt. The original amount was {$12000.00} and now they claim I owe {$24000.00}. I am in the process of re-financing my home but can not move forward without resolving this matter because the company has a lien against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo refuses to send me loan statements to an account for which I am the legal payer. Wells Fargo also refuses to grant me online access to the account. Bank continues to send damaging reports to the credit bureaus regarding this account and refuses my request to remove the damaging reports. I am unable to manage the account accitvities without statements or access to the account. All of the above listed events amounts to the bank acting in bad faith. This is my second complaint issued thru this agency against Wells Fargo for the same issue. I am asking for direct intervention from CFPB in this matter. There has to be a law that says a bank has to send a periodic statement. How else can a customer verify that the bank is applying payments correctly or is n't doing something shady with the customers account.

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 2016-11-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a car loan from Wells Fargo Dealer Services in XXXX for a XXXX XXXX XXXX. My payment was {$380.00}. I was unable to make my insurance payments for 3-4 months in XXXX while I was unemployed. Even though I was not driving the car, Wells Fargo covered the car for those months. Ever since then, my loan payments have been {$390.00}. It 's been over 3 years now. I do n't understand how I 'm still being charged $ XXXX for 3-4 months insurance after I 've already paid hundreds of dollars. I do not trust Wells Fargo after the disclosure of their widespread fraudulent behavior. I believe that Wells Fargo overcharged for the insurance provided during the 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX, XXXX WRONGFUL FORECLOSURE BANKRUPTCY - VIOLATION OF AUTOMATIC STAY ORDER sec. XXXX XXXX XXXX, XXXX XXXX XXXX, Attorney for ; The XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX United States Bankruptcy Court XXXX District of California C/o Hon. Judge XXXX XXXX XXXX Case No. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX XXXX : VIOLATION OF BANKRUPTCY CODE 11 USC 362 AUTOMATIC STAY NOTICE GIVEN TO ALL PARTIES AND THE HON. JUDGE XXXX XXXX XXXX It is known to me that the Attorney 's of record and purported successors-in-interest ( " Claimant '' ) have conducted an unlawful foreclosure sale of the subject property in this order, on XXXX XXXX, XXXX, approximately at XXXX XXXX. ( Exhibit A ) The Debtor ( " XXXX XXXX XXXX '' ) has diligently investigated several suspicious documents which were examined by the Secretary of State of XXXX, and where rejected for " Authentication '' issues which involve ( d ) ; 1. Notary Jurisdiction 2. Illegible Seal, and 3. Signature does not correspond to the one on the acknowledgment/XXXX submitted 4. The document has not been notarized according to the appropriate California Civil and/or Government Code. 
5. Jurisdiction ( XXXX ) - Is under review for criminal investigation regarding a Complaint filed against the " Trustee Deed Upon Sale '' filer, ( " XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX '' ) for Fraudulent Conveyance of title, amongst other new findings to be announced, under the laws of XXXX and XXXX. 
This Complaint has been filed against the Parties named above, and a pending complaint against the Attorney 's as follow ; 1. XXXX XXXX XXXX 2. XXXX XXXX Upon new information from the authorities, Debtor shall keep this Court inform of their findings. 

Sincerely, XXXX XXXX XXXX XXXX XXXX EXHIBIT A MAILING LIST : XXXX Attorney General XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX Federal Bureau of Investigation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX Federal Trade Commission Reference No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, 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
Consumer complaint received 2015-08-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My mortgage company denied my hazard insurance payment and purchased homeowner 's insurance for me at a premium rate. My mortgage company does not escrow my homeowner 's insurance and the banks actions may be an attempt to hold my insurance in escrow. I recently moved to a new home ( three years ago ) and I had no problem paying my homeowner 's insurance the first two years in my new home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a credit card debt with Wells Fargo that I have been trying to pay off for at least the past 3 years. Last year in XXXX of 2014 they gave me a break & stopped charging me intrest on the account due to financial difficulty & I was able to make regular payments on time. However it was only for a year. Now they have added they have added the intrest payments back which doubles the amount I have to pay, on top of which the account is closed/cancelled so I can no longer use the card. For the past few months I have been charged intrest on cash advances & purchases I ca n't make. I also have no way of making payments to the principle credit card debt. How am I suppose to pay the debt off????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My sister went into a Navy Federal Credit Union XXXX in XXXX Ohio XXXX the staff was very rude and unprofessional.She was told there was a fraud alert on her account she went in the branch to prove we are sisters. I faxed my birth certificate to XXXX while she was in the office the receptionist confirmed it was received. And on the telephone she was told that her marriage license could be used as verification as long as our parents names were on it. I was born before our parents were married and my birth certificate only had our moms name on it but she also had my moms obituary proving we are siblings. We understood the policies and did not mind complying with them but feel she was treated unfairly. I am filing this complaint due to the nature of her experience in the branch..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Financial began foreclosure proceedings against my home XX/XX/XXXX. By working with a local housing counselor, XX/XX/XXXX Wells Fargo agreed to let us conduct a " short sale '' on the property. We contracted with a real estate agent and they began showing the property in XX/XX/XXXX. By XX/XX/XXXX we had a buyer and had signed a contract for the sale, to be done in XX/XX/XXXX if approved by Wells Fargo. I got a letter near the end of XX/XX/XXXX telling me my new " single point of contact '' was XXXX XXXX. I called XXXX to see how Wells Fargo was progressing on their decision about the sale. She did n't have that information, but said she would get back to me. On XX/XX/XXXX, XXXX called to tell me that Wells Fargo was going to put our account under " the consent order review to see if they could get us enough money to repay our arrears and save our home. '' I told XXXX we had already been denied monies under the " consent order '' but go ahead and see. I called XXXX back 2 days later and told her we had cancelled the contract for sale since Wells Fargo was trying to save our home. She told me she did n't know what I was talking about because she had never said that. In late XXXX I was notified that Wells Fargo had sold the loan to the XXXX Master Participation Trust, to be serviced by XXXX XXXX XXXX. Wells Fargo then proceeded to foreclosure, the sale was held XX/XX/XXXX and they bid {$210000.00} on the home. That bid more than covered our debt, so no shortage was charged back to us. Finally in XX/XX/XXXX, Wells Fargo admitted they had promised to save our home, after lying to me for 6 months. I have their admission recorded. They say they owe us nothing, even though I have requested at least {$10000.00} in relocation ( as promised during the short sale ) or I want my house back, like they said they 'd do in the first place. They say they will have an answer for me by XX/XX/XXXX, but I 've heard that song and dance for over a month now. My husband and I are still living in the house. However, the XXXX Trust had also hired the law firm of XXXX and XXXX to foreclose on the same property in the amount of {$250000.00}. I do n't know where they got that figure. XXXX and XXXX was the foreclosing attorney for Wells Fargo as well. But today the law firm said the file had been closed. I was surprised it was opened in the first place. Did n't they know they had already foreclosed on my house? All of this is on top of questions I have about how much we actually owed them. I had requested a print out of all account activity and it was full of charges as low as {$15.00} to as high as {$500.00} for " inspection fees, '' " administration fees, '', etc. that they insisted were being charged sometimes every week.

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 2016-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX/XXXX/2016 I contacted my mortgage company to assess my options to address the unpaid balance for XXXX and XXXX. I completed all necessary paperwork request for underwriter to review. On XXXX/XXXX/2016, a third party person was sent by Wells Fargo to hand deliver to my home an envelope to ask me to call " Mortgage Company. '' The third party person entered my condo complex ( on the inside ) came up the stairs to my condo unit and hung on my door " The important '' Note. This scarred and frightened me that my mortgage company would hire a " thug. '' to come into my home. I was not at home, but when I came home I found envelope. The third party person did not leave their information. When I contacted the preservation specialist I had just spoken with 2 days earlier and completed all necessary paperwork, she could not give me the name of 'Third Party Person. '' All she could say is that they hard hired a " third party person '' to come to my home. Very very much afraid this person came into my home. My condo unit is shared by XXXX other person. My mortgage company put me and XXXX other people at risk of harm by some " third party person. '' I am very much afraid that they have done this to me. Please help as this does not seem accurate.

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