vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One mislead me and then lied to me about bank account opening bonus and is now refusing to honor the offer after I have met all the requirements for it Capital One advertised this offer XXXX and I applied for a new account recently and set up my direct deposit etc and met all the requirements for the bonus. 
I called today to check on the bonus and they are now telling me that I am not eligible for the bonus. They put out these advertisements out there and then refuse to honor them. When I opened the account, I read all the fine print of the offer and it had no language regarding there saying that it is for specific people only. They ca n't put out these offers and then deny people the bonus when they have gone through the effort of opening the account and setting up the direct deposit, etc Now they have added this to the fine print but it was not there earlier " If you did not receive an email or mail piece directly from capital one 360 with the above code, you are ineligible for this bonus offer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had an account for an IRA with a company. The company said they showed no record. I lost probably eight thousand dollars plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
After discovering this issue while trying to apply for a new mortgage, I tried the customer service numbers online. Each one was a dead end nobody seemed to know who to talk to about this issue at Wells Fargo. I closed the accounts in person and they do n't tell me that I still owe money?! I ended up going into the branch where I got some actual customer service. The lady worked with me to try and get me to talk with the correct people and actually appeared to be making progress to resolve this while I was sitting in the branch. The best customer service that I ever experienced at Wells Fargo. Before leaving, we submitted a letter to the credit department and they said that within 10 days they would resolve the issue with the credit bureaus. 9 days passed and I checked in to make sure that I could still expect the 10 days that I had been promised for this issue to be resolved. She broke the news to me that the process had n't been started since the paperwork was not transferred properly. At this point, I was up against a deadline and needed resolution immediately. It was going to be another 10 business days before I could even think about it being resolved. I spoke with a manager to see if there was anything else that could be done and spoke with one other department. The final outcome was that Wells Fargo would not admit any fault in not closing my accounts properly, not reporting to me that they believed I was late on payments, and causing my credit score to drop a substantial amount. I believe that going into a bank and talking with a banker to close accounts should be the most foolproof way to properly close accounts. This is not the case with Wells Fargo. In addition to not closing properly, there were not any phone calls made to me explaining the situation ( that they did n't properly close my accounts ) until they had already negatively reported against me. In the end, I 'm going to pay a higher interest rate on a 30 year loan over $ XXXX due to Wells Fargo 's negligence in properly closing accounts and properly contacting me when something was not up to standard on my 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 2016-04-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
Repetitive calls as in 4 to 5 calls a day. Not leaving a detailed message.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
What happen was that I hired a Realtor to sell my home which I 'm upside down in. He explain to me that I could apply for a Short Sale with my mortgage company Wells Fargo Mortgage Co. Well he started the process with the short sale department and gathered all the information requested by Wells Fargo and submitted it on time. An appraisal was done and just as I stated I was under water with my loan. My original loan amount was {$240000.00} and the appraisal value came back {$130000.00} Then Wells Fargo requested bank statements, earning statement, proof of income ( SSI & VA ). Once I provided these documents to Wells Fargo they requested letters of explanation of deposits and withdrawals. I provided them with letters as requested. Now things started to get strange because Wells Fargo began to request documents and letters of explanation that has already been provided. They kept asking me where this money came from or what this deposit was for and so on. Requests started duplicating them self. They kept asking for letters and documents that has already been provide. At this point the case manger replied that she would not continue my case if I did n't provide her with the duplicate request. So I requested to speak with he supervisor. Once on the supervisor she also was very disrespectful and stated that if I did n't submit to her the duplicate request that she would close my Short Sale file as well. Then she hung up one me. This type of conduct was not acceptable and prompted me to make this complaint. Also, my case manger never return calls to my agent for two to three weeks at a time. Gave no explanation on why duplicate documents was being requested or why case would not return calls or emails to my agent. Please see attached file to prove my case and concerns. 
Sincerely, Disgruntle Customer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am TRYING to get the original loan documents because : 1. I want to find out WHEN these loans are PAID OFF ( I am under the impression it is a fifteen ( 15 ) year loan and have been told ( docs attached ) of the MINIMUM payment required to PAY OFF these loans ( there are XXXX LOANS ) I NEED to know the following : 1 ). what do I have to pay MONTHLY in order to pay these off. I am currently paying {$890.00} total for BOTH loans and need to know the pay off date based on this payment. 

2 ) I was told the interest rate would be REDUCED if I had AUTOMATIC MONTHLY PAYMENTS but am getting evidence to the contrary. 

3 ) I do NOT WANT this to be AN INTEREST ONLY payment. HOW MUCH DO I HAVE TO PAY ON BOTH LOANS to pay this off in FULL by the SCHEDULED payoff date of fifteen years ( 15 years ). This would be a PAY OFF DATE OF XXXX AS I WAS TOLD THIS WAS A FIFTEEN ( 15 ) YEAR LOAN WITH INTEREST AND PRINCIPAL. 

4 ) WHAT is the ACTUAL principal for each loan? 

I have called and asked WELLS FARGO SEVERAL TIMES and am NOT getting the information I need. They tell me I am not authorized to speak on behalf of my daughter, XXXX XXXX BUT SHE SIGNED an authorization to allow me to speak on her behalf. 

I need clarification. I am NOT getting this from Wells Fargo. 
I need the ORIGINAL LOAN documents for XXXX LOANS, which I do not have and they are NOT CO-OPERATING in providing these documents. 

I have paid this EVERY SINGLE MONTH, ON TIME, with AUTO PAY every month since XXXX. I Want a pay off date and amount required EACH MONTH to attain this goal.

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 2015-04-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
I received a collection on my credit report in the amount of {$1900.00} from XXXX XXXX XXXX. I was informed that it was a debt from XXXX XXXX XXXX, An institute located at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in which I attended and XXXX on XXXX/XXXX/2012. I could n't get any documents showing how I owed the money and I could n't see how it would be possible anyway because it was paid 100 % through XXXX or XXXX. My last term I received a {$9000.00} through XXXX but only needed {$3000.00} so {$3000.00} was taken and the other {$6000.00} was declined. My books and all were included, I received my diploma, and my transcript and now I have this Credit Recovery company with incompetent people who can give me any paperwork stating how I owe this, they 're just saying its a debt I have and it needs to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Was not provided with a TRUTH IN LENDING DISCLOSURE or a HUD prior to sitting at the settlement table. I do have copies of several emails I sent requesting this information beginning 14 days prior to the scheduled settlement date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
When I closed on my home in 2015, I was made to understand that I have 1 month of payment free. I mistakenly made a payment in the month I was supposed to get for free. The bank that my loan was transferred to, Wells Fargo, has been harassing me since 2015 that I am owing them. Sometime, XX/XX/XXXX or XX/XX/2015, I got a letter from Wells Fargo not to make a payment in a certain month. I took this letter to Wells Fargo and they took it from me and never returned it back to me. Since then, I have researched, through Wells Fargo Home Mortgage experts, and they found out that I actually made an extra payment in 2015 and it was credited to an escrow account. Recently, they reported me to Credit Bureau and this has been negatively affecting my credit score. They have also been but extra payment defaults against me. Please I need your urgent intervention for this unwarranted harassment.

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 2017-03-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On or about the XX/XX/XXXX I paid off a retail account I had with Wells Fargo Bank, the bank in return closed the account which they should have. Several days later there was a new retail account opened in my name by wells Fargo Bank for XXXX dollars without my knowledge or consent. I contacted wells Fargo and spoke to a representative from their retail department who told me that the personal information I provided did n't match what they had for my date of birth and she updated it. I asked her who opened the account and she said it was so I could shop with their approved merchants and could only be used with them that it was not a regular credit card. I told her to closee the account and she said come on do n't you want to keep it and I told her it was a fraudulent account done without my consent aND she read off some prepared statement about how closing the account would impact on my credit which it did.

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 2015-07-31 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: RI

Complaint narrative:
I have already filed XXXX complaint case # XXXX. I have received a satisfaction of judgement since the account has been paid off since XXXX, but the problem is they ( Wells Fargo ) have never reported it as a judgement, they have reported it as a collection account all along. I tried putting a dispute through the XXXX credit bureaus but they denied all XXXX in beginning of XXXX for an account paid in XXXX. I need a letter from Wells stating that the collection has been paid so I can get it fixed on credit, the satisfaction of judgement references no account number and does not show on credit report as such. I have called SEVERAL times once again and they keep giving me the run around. I need a letter that matches what they reported on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am writing yet another complaint against Wells Fargo Home Mortgage. Recently I asked Wells Fargo about a mortgage modification packet I submitted in courton XXXX XXXX, 2011, via their attorney XXXX XXXX, an employeeof XXXX XXXX XXXX XXXX. I submitted the documents in court because I wanted a record of the documents being submitted. I even went as far as asking the Magistrate if the Attorney could look over the documents to make sure everything was filled out correctly which she stated, " It appears so. '' The Magistrate gave Wells Fargo 100 to 120 days to complete their end of the dealbut they never did. After numerous calls, I was told that it was lost and to just fill out another packet because it expired anyway. Now, Wells Fargo is stating that they never received any modification documents from their Attorney and that I never submitted any documents in court so my question to you, Wells Fargo, is, how do you explain the journal entry from the Magistrate that clearly states that I submitted documents for consideration on my mortgage modification? 

My next questionpertains to XXXX XXXX 's signature on my mortgage papers. When Wells Fargo purchased my loan, the paper work was signed off by XXXX XXXX, the XXXX of XXXX XXXX XXXX , XXXX . I 'm not surethat signature is authentic. After reading about Wells Fargo 's ex-employee XXXX XXXX XXXX, while in a New York Bankruptcy court, openly admit to signing XXXX documents for Wells Fargo, It further solidified my thoughts aboutXXXX signature on my mortgage documents.After seeing what I believe is an authentic signature of XXXX XXXX, Ithink the signature on my mortgage documents is a fake. I believe I am in possession of XXXX authentic signature and it looks nothing like the signature on my paper work. I am not going to submit a copy of the court document since I do n't have XXXX permission but I will submit a document to show how I came into possession of XXXX signature.I also read your manual on creating missingdocuments and frankly, I 'm appalled.Can you verify that XXXX XXXX 's signature is authentic? Can you show proof like another document withhis signature on it? I 'm sure my mortgage was n't the only mortgage purchased from 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 with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XXXX of 2013 I sent {$1000.00} additional mortgage payment to Wells Fargo to be applied to the principal of my loan. Wells Fargo received my {$1000.00} and my regular scheduled payment for the month and split it into smaller payments and deducted interest from the money in question. I have on occasion attempted to get them to correct this and have been given a bunch of smoke and screens. I even went into a local branch trying to get this issue resolved. Recently I received a letter stating they were " researching it ''. I went online attempting to find an address for the person who signed the letter and found instead that others had posted the exact same letter that I have, signed by the exact same person and complaining that XXXX XXXX does n't exist as far as it relates to getting their issue with Wells Fargo resolved. It was that website that directed my to you. PLEASE. HEEELPPP!!!

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 2016-07-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
XXXX and Wells Fargo repeatedly attempted to charge late fees and service fees. The loan was supposed to be XXXX percent interest over two years. The account was setup to pay the monthly payment on auto-pay, which worked for a time and then stopped working even though funds were available. They attempted to charge my account the full amount due along with late fees. All late fees were reversed, but this happened multiple times after I was assured it was fixed. Now the account is closed and I am no longer allowed to schedule repeating payments. I have paid the off the balance of the account and no longer owe them but feel that the entire scheme was designed to steal extra money and they should be held accountable.

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: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have a credit on my Dillard 's credit card in the amount of {$93.00} that I was overpaid my on my credit card in cash. Dillard 's insisted that they have mail me a refund check for that amount in XXXX, 2016. Until XXXX XXXX, 2016, I initiated the contact about my refund, the employee stated that the check is already mailed out to me. I told them that I have never received the refund check. I called back on XXXX XXXX, 2016 on the same issue of my refund check, I was told that Dillard 's will mail me an affidavit form that I need to fill out in order for them to mail out the refund check again ( no one told me that the refund check that Dillard 's sent out was cashed ). I have waited until today, XXXX XXXX, 2016, to call Dillard 's back about the affidavit form that they said they will send out, this time the employee stated that the refund check has been cashed (? ). I told them that I never have received nor cashed that refund check. I have been told many different stories every time I contacted them about my refund check. This time, Dillard 's told me that since the check has been cashed, there is nothing they can do for me. Really? 
I want to know what is my right to demand that my refund be sent to me or at least get a copy of the check that has been cashed so I can find out who cashed that check. What can you do to help me? 
It 's not that refund going to help or break myself financially, but I want a better service from a credit card company than Dillard 's in this case. Thank you.

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 2015-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I financed a car thru Wells Fargo Dealer Services ( WFDS ) on XXXX XXXX, 2015. I got full coverage insurance on the car BEFORE LEAVING THE DEALERSHIP ON THE DAY OF THE LOAN. I provided proof of coverage THAT DAY WHILE STILL AT THE DEALERSHIP. I was STILL sent a letter from WFDS requesting proof of insurance. I submitted this proof FOR THE XXXX TIME ( via the XXXX website ) on XXXX XXXX, 2015. I have proof of the date and time of the submission. On XXXX XXXX, 2015, I received ANOTHER letter from WFDS requesting proof of insurance and including a NOTICE OF COLLATERAL PROTECTION INSURANCE. Today, I provided this proof of insurance coverage FOR THE THIRD TIME to WFDS and I expect THIS ONE will be ignored, too. Also, my contract with WFDS clearly states my Original Loan Amount as XXXX with monthly minimum payments of XXXX. Every payment I have made is exactly XXXX, which is more than the minimum amount due. On my XXXX XXXX, 2015 statement, the Loan Balance was showing XXXX with a minimum payment due of XXXX. I paid my usual XXXX and notified WFDS of the error. I never heard back from them, but the adjustment was made in my Loan Balance online within a few days - but they never corrected the Current Payment Due amount AND ADDED THE " PAST DUE AMOUNT '' TO THE FOLLOWING STATEMENT! On my XXXX XXXX, 2015 statement IT HAPPENED AGAIN! The Loan Balance is XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! On my XXXX XXXX, 2015 statement, my Loan Balance is now XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! I have provided proof of insurance coverage AND SOMEHOW THEY HAVE NOT RECEIVED IT XXXX TIMES!!! And they are charging me MORE THAN MY CONTRACT STATES FOR PAYMENTS, and adding the extra amounts to each new statement when I DO NOT OWE THESE AMOUNTS! I have paid MORE THAN THE MINIMUM AMOUNT REQUIRED BY MY CONTRACT and I have no idea where these extra amounts are coming from but I have proof of everything I have submitted to them! My insurance agent is sending a fax to the company proving when I got insurance on the car, but I expect that THEY WILL CLAIM TO NOT HAVE THAT EITHER. I have already submitted this exact same complaint to the XXXX. After submitting this complaint, I also plan to file this exact same complaint with the Attorney General 's Office, the Department of Consumer Affairs, and I plan to contact an attorney to discuss a lawsuit for breech of contract where I will also seek punitive damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief