vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: HONOR FINANCE, LLC
State: TX

Complaint narrative:
This company by the name of Honor Finance has been continuously reporting inaccurate information to all three major Credit Bureau. I have filed several disputes asking all CB to delete this inaccurate information based on the grounds that this company has not provided myself or the CB with sufficient information as requested. It has been 7 months now, extremely past the allowable time in which the creditor has to respond to my request of information and validation of debt, in accordance with FDCPA. At this time this company is in violation under FDCPA section 809 ( B ). The derogatory information thats being reported is stopping me from advancement in my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is regarding several issues with the mortgage account with Wells Fargo, whom I have had the worst experience of dealing with for any type of resolution. There are many areas, but the most egregious action that Wells Fargo has been co-mingling funds from my mortgage account to pay the balance for an escrow amount ( My mortgage account is escrow impounded ) and reporting that I 'm underpaying my mortgage payment amount, and reporting to credit bureaus that I 'm late on my payments. This has ruined my credit report with negative items of late payment when the payments from my checking account cleared well ahead of delinquent date. This would have to considered a financial fraud to co-mingle funds when my payment is strictly principal & interest. This bank has been playing " Judge & Jury '' in regards to this escrow amount when they decided that there was a lapse in coverage and no 3rd party independent of both sides could say, " Yes, the lapse in coverage is legitimate. '' Regardless, of whether it is legitimate, the co-mingling of funds, reporting late to bureaus, tacking on late fees, and manipulation of payments showing inaccurate principal balance is beyond one 's imagination..

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 2015-10-23 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: OH

Complaint narrative:
In the latter part of the first decade of 2000, I decided to put myself through college. It was a hard decision, as I was working full time and raising XXXX children. I eventually opted to go with XXXX University, and only had time to get a degree online. As I was barely making ends meet as it was, I took out loans to pay my way - in hindsight, this was the biggest mistake I have made in my XXXX years. While I currently have a decent job, unless I am making double what I am currently bringing in, I have no hope in paying these loans off. I am straddled with XXXX private loans ( XXXX through Wells Fargo and XXXX through XXXX XXXX ) and XXXX consolidated federal loan ( upwards of {$96000.00} ). My issue is not with the federal loans - these I will never pay off but the payments are based on my income so I am able to manage ; the problem is with the private loans. The payments for these loans are more than four times higher than the federal, and payback amount is nearly three times smaller. It does not help that I originally co-signed with my ex-wife on these loans, and Wells Fargo is unwilling to remove her as they would have to be refinanced in my name only - which I have tried in the past to do, only to not get approved. These loans make me wish I would have never gone back to college - they will burden me my entire life. It makes sustaining a living extremely hard, getting approved for credit a nightmare, and returning to school for a XXXX Degree something that I would never attempt out of fear of digging myself even deeper. Things obviously need to change! The cost of education is astronomical, and it effectively ruins the financial lives of so many young Americans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I 've been trying to get my loan modified with Wells Fargo since XX/XX/XXXX. I keep getting denials with no explanations or reasons to substantiate the denial decision. I keep resubmitting my information to be considered for the reentry process, to no avail. It seems as if Wells Fargo is trying to force me into foreclosure verses trying to assist me in keeping my home. When they review my payment history, they applaud how I 've been able to make timely payments and extra principal payments as a widow. 
I 'm not able to attach any documents. I 've never received a denial letter. When I called to get an update, they would tell me that my request was denied.

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 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was XXXX for XXXX yrs. and in this time Wells Fargo opened several different accounts in my name and then deposited my inheritance from my actual account to these false accounts and left me with nothing. I have filed police reports and tried to contact Wells Fargo about it and they refuse to acknowledge anything. Please help me recover over {$130000.00} from my mothers inheritance and monthly payments from her XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
BANK OF WELLSFARGO HAS REOPENED MORGAGE LOANS AND EQUITY OF FORCLOSED OR FAKE FORCLOSURE OF PROPERTY AND MORGAGES LOANS THAT WERE DISCHARGED FORM XXXX. THEY HAVE SEPERATED MY MARITAL RIGHTS AND MY HUSBANDS RIGHTS AND ACTED AS THE CO BORROWER FOR THESE LOANS. THEY HAVE USED MY NAME XXXX MY HUSBAND IN SINGULAR FORM. THESE ARE WHAT IT APPEARS TO BE NOTES MATURING. I AQUIRED THIS FROM THE XXXX BRANCH IN XXXX FROM THEM ON XXXX/XXXX/2015 AND THESE ARE ALL SHOWING ACTIVE AND OPEN. WELLSFARGO HAS NO RIGHT TO MY NAME TO OPEN ANY LOANS, EQUITY ECT. NOR I HAVE RIGHTS OF POWER OF ATTORNEY TO DO SO. WELLSFARGO TRIED TO CHARGE ME WITH TRESSPASSING AND MY HUSBAND XXXX DAYS AGO BUT BECAUSE OUR COUNTY SEEMS TO BE IN QUESTIO OF WHO OWNS MY HOME WE WERE TOLD WE ARE WAITING ON XXXX DISTRICT AQTTORNEY TO LOOK AT ALL THIS. ALL OF OUR BELONGINGS ARE IN OUR HOME AND WE HAVE NOTHING BUT THE AIRMATRESS IN MY PARENTS HOME. VIOLATION CONSUMER FINANCE PROTECTION ACT MEETS THE GUIDLINES HERE. AS PER THE NUMEREOUS LIES IN WRITING TO ME AND CONSUMER PROTECT THIS PROVES THE OBVIOUS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When making payments to Wells Fargo the contracts are unclear, the payments are assessed a late fee XXXX date after the due date and wells fargo continues to assess fees when payments are in route to them

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: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear XXXX : I had some XXXX seller fees that I paid double on. These were paid automatically, and manually. I was unaware of the automatic payment, which had posted to my bank account. Having sufficient funds to cover this amount, I made payment upon it. I had no other pending transactions or activity. My account was at a positive level. Having immediate pharmacy needs, I withdrew from my account knowingly bringing it to a negative balance and accepting a single overdraft fee of {$35.00} for that withdrawal. From XXXX ( the date XXXX received payment ) to XXXX XXXX when I deposited what I could ) my account still reflected this. I also filed a refund for the double payment to XXXX. On XXXX I was charged with XXXX additional overdraft fees of {$35.00} for the XXXX XXXX transactions ( amounts of {$3.00} and {$0.00} ) made on XXXX before my account was overdrawn. Wells Fargo agreed to reverse the XXXX overdraft charges for payments that were in the amount of {$3.00} and {$0.00} once they receive a refund from XXXX. However, I still can not help but notice that my account balance was sufficient to cover these XXXX transactions before my account was overdrafted by an ATM withdrawal. XXXX has a receipt of payment posting at around XXXX and XXXX before the withdrawal according to the ATM receipt. In addition, a Wells Fargo email shows that my balance was on point to this sequence as of XXXX/XXXX/16. I can only conclude that the {$3.00} and {$0.00} were delayed by the bank after my ATM withdrawal leading to XXXX additional fees of {$35.00} each. Being in California, I beleive that this is illegal XXXX Wells Fargo XXXX which was upheld last month the the XXXX XXXX XXXX XXXX XXXX XXXX I have been making deposits to my account to pay for the single overdraw that I willingly made, however, I am still stuck with {$70.00} of fees on {$3.00} in transactions. I have written to Wells Fargo numerous times and been given the 'run-around. ' This has had a claim filed, correspondence with customer service, and passed up to the executive office with no action yet taken. Word has been given to reverse the charges upon refund, but still this does not mitigate the fact that the sequence of transactions makes the fees unwarranted. Either way you cut it, this rests in a realm between terrible customer service and questionably legal business practices.

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 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My husband and I have had our account for over two years now. We specifically asked before opening account that I could cash his check on Fridays, because he works XXXX and sleeps during the day. We were assured that this would not be a problem. We were told that because he had given his permission in person at the bank, that this would be ok. For the first several weeks, I was told that I could not cash his check, because he was not present. My husband and I had to literally go inside the bank on numerous occasions to speak to their staff to resolve this issue. We were told, each time, that it has been resolved, and I would not have anymore problems cashing his check. As recently as XXXX XXXX, 2016, through the drive through, I was told, while I was trying to cash his check, that ( and I quote ) " I can not cash your check because your account is in the negative ''. Our account was NOT in the negative. I had to go inside and speak to XXXX, the branch 's manager. She told me that they have " new '' people who do not know me, or the circumstances. This is after meeting with XXXX, my husband and I just a few weeks prior to this incident. XXXX gave us her word that this would not be a problem again. I go through the drive through primarily because I am XXXX and it is very hard on my body to try to get out of my car, park, and wait in line inside the bank. What my husband and I are so upset about is ( 1 ) we were told upon opening our joint account that because he has given them his permission, I could cash his check every week ; ( 2 ) we are continuing to have this problem every time she tries to cash his check ; ( 3 ) now, because of all the issues of her trying to cash his check, he actually has to get up from his sleep ( he works XXXX and sleeps during the day ) around XXXX every Friday, get dressed and drive to the branch in order to cash his check. This is totally ridiculous!!

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 2016-07-12 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: HONOR FINANCE, LLC
State: IL

Complaint narrative:
My car loan was sold to a finance company because the original seller went out of business. Ive asked for new contract or something in writing by mail explaining that the debt in fact has been sold.they refuse to give it to me. They constantly threaten me to seize property or garnish wages and say rude things when im only behind by a day or so. i also have proof.

Company response to consumer: Closed with explanation
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: GCFS, INC.
State: CA

Complaint narrative:
I was alerted by the credit bureau that a Loan inquiry was submitted in my name when I reviewed my credit report I also noticed there was another credit inquiry on my credit report from the same company which I never gave permission to do as a matter of fact never spoke to anyone at Greater California Financial Services aka GCFS Inc until XX/XX/XXXX to question them about this fraudulent activity. XXXX from GCFS told me they can do this because they are a collection agency, I said not without my permission. I also found a Judgement on my credit report from XXXX filed XXXX XXXX, XXXX in the amount of {$4300.00} and just received a letter XX/XX/XXXX that I owe them over {$11000.00}. For one I was never served with any papers about any of this, to go to court on, so I went to XXXX XXXX records I saw a thick folder of papers I 've never seen in my life that this company has gone to court against me, with liens against me, including a fee waiver so it cost them nothing to file papers against me, a collection company with no money to pay the filing fee and the court grants it. Sounds illegal all the way around. They took over {$1300.00} XX/XX/XXXX from my credit union without my permission somehow, XXXX XXXX XXXX XXXX XXXX in XXXX CA, when I called to question this, the bank said GCFS sent us a letter there was n't anything they can do. GCFS has been taking money out of that account ever since XX/XX/XXXX, but the judgment from them was XX/XX/XXXX and I do n't know what for but every so often money is given to GCFS, I do n't understand this and do n't know how they can do this and the bank just keeps giving it to them. I 've reported them to the police to the Office of Attorney General, XXXX, I 've put a fraud alert on all XXXX credit bureaus but its GCFS a company that is doing the Fraudulent activity not a person doing the identity theft GCFS is using my name to put in loan inquiries without my permission never would I give them permission for any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The first thing was that I informed that I would have partial modification for my mortgage. However when I took my taxes in last year they informed me that they gave me a full modification. Secondly my escrow and taxes for my house went up almost two hundreds. They informed me that this was an estimate for the house for they next year. Two year ago I over paid in my taxes instead of them given me options that made the choice for me which I did not understand why did they asked me I would had put for payment. I can not trust them because I have not seemed the changes in the amount for the outstanding amount. It is always the same I know I have reduced the amount. I have been paying on this house for at least 15 years and they still saying that I old XXXX on this house. This house is not even worth that much. At not time have they as if I was a service man Finally I thought when you getting a modification that you do n't pay they tell me to keep paying until it is final.

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 2016-07-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Call to WELLS FARGO XXXX XXXX 2016 @ XXXX Just was in a phone call with Wells Fargo on my son 's student loan. First the help was not very helpful. I wanted to know if my son 's charge off was taken off my credit report. She said if I am the cosigner, then it will show. I said I got that, and his was cleared off. IF that is the case, then mine should be. She said there were many documents sent to my home, ( and I dispute that accuracy ) explaining the status. Under the contract, he was to be registered as a XXXX XXXX XXXX. He has proof that he was well with any grace period, specifically the dates of registration for his attendance at a XXXX XXXX and upon completion, he is now XXXX XXXX XXXX University. 
Just to make myself clear, I understand my legal obligation to the debt as a cosigner. I do not agree to the charge off status as he was fulfilling his obligations and can provide proof he was a XXXX XXXX XXXX. 
The most upsetting part of this phone call was the last part. I told her at this point this whole thing is becoming punitive in nature. She asked me, what would I like to have happen, put the charge off back on his credit? Said yes, do that, but as the cosigner, I do n't have that authority and you will have to deal with his lawyers. Then she said she could n't do that with so I said basically you lied to me and this was a threat to his credit report ( an empty one but proves the nature of the punitive accusation ). At this point, she officially ended the conversation.

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 2016-12-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I cosigned a car loan for my daughter. Her checking account is with Wells Fargo, XXXX branch, and the loan is with XXXX in XXXX. She had arranged automatic payments sent to XXXX and this happened successfully for several months. For a reason no one has been able to explain to us, WF started sending payments with the wrong account number. XXXX notified my daughter she was delinquent and charged her a {$60.00} late fee. On XX/XX/XXXX, my daughter and I met with XXXX the branch manager to discuss this. He admitted it was a WF error and that they would correct it. I stated my concern about his affecting my credit report and was assured that would not happen. After eight days XXXX still had not resolved this and had put excuses and demands in our way each day. I called his supervisor-he would not provide that contact information, we had to find it elsewhere, spoke with his assistant and later him and they assured me that was not the way they do business and they would ensure it was resolved, and it was in a matter of hours, not days. But this week I have been notified that they has been a negative charge against my credit rating reflecting this issue. So WF has negatively affected my credit rating over a {$60.00} dollar mistake they admit they are responsible for and ca n't seem to correct. I 've been told by XXXX that they have assigned a " resolution team '' to this and should have it resolved by XXXX next week. So for over a week they have negatively impacted my credit report. We have disputed the claim with the credit agency, but this is ridiculous. I have also informed XXXX I expect WF to compensate me for the damage they had done to my credit for however many days it remains, the inordinate amount of time I have had to spend on this, and the inconvenience they have caused me. I do not feel that I and my daughter should bear the brunt of their error and there are no consequences to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am a XXXX who just received my social security card from the US government as I began working on a XXXX funded program. Since I had no credit history, I applied with Wells Fargo bank for a credit card. The application was denied and I was kept in the dark for a week and only received this information when I called up their customer care service. The reason for rejecting my application was lack of permanent residence proof and when I said that I have a SSN, they asked me to fax it or go to the Bank and a representative would do it for me. I went to the branch at XXXX, XXXX and also gave them a copy of my employment letter and the representative said she would call me up the next day and let me know the status. She did not bother to do so and I had to call her and leave my number twice the next day. When she finally attended my call, she said that the application was rejected. I know that Wells Fargo was in the news for cheating its customers last year, this just proves that their service is deteriorating too. The exhaustive process not only affected my credit rating, but also consumed a lot of my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
My daughter recently applied for a mortgage through Wells Fargo in XXXX Ct. I owed her approximately {$5000.00} so for her closing I transfered this money to her. Well Fargo then required I provide the account number this money was transfered from. In addition they requested a copy of my bank statement for the month showing the transfer. They did not provide any privacy information or tell me how this would be used. I felt that this could be part of a scam and preferred not sharing sensitive account numbers. They would not allow the closing until this information was provided. They still have not sent me their privacy and sharing policy. I feel this was an invasion of my privacy since I was not the XXXX applying fpr the mortgage.

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