vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The XXXX of CA mistakenly charged my checking account for unpaid taxes, which they later cancelled. Wells Fargo refused to refund the charges for the garnishment so my account is negative {$120.00}. ( Please have someone call me that speaks XXXX. A translator helped me submit this complaint. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Educational Financial Services ( Servicer ) misapplied payments for XX/XX/2015. I have XXXX loans with the servicer and I make a single payment every month for the XXXX loans. The XX/XX/XXXX and XX/XX/XXXX payments were not applied to the principle balance of XXXX of the XXXX loans as prescribed by the loan amortization schedule. Additionally, upon inquiring with a CSR at the servicer, they were not able to explain the action and attributed it a broader processing integrity issue with their servicing platform ; They were not able to assure me that previous payments were processed accurately and I am concerned. 

Additionally, I paid of the loan as of XXXX/XXXX/15 as a result of refinancing the loan with another lender. However, on XXXX/XXXX/15, the servicer drew a payment from my XXXX XXXX XXXX checking account and applied the payment to the paid off loan. I am concerned that there are pervasive processing integrity issues with Wells Fargo 's student loan servicing platform and their ability to process payments completely and accurately. To aggravate the situation, Wells Fargo has a policy of terminating a borrowers access and deleting their on line profile upon loan pay off. As a result I am not able to access current and historic detailed payment information and statements, thus impeding my ability to at gather the information I need to determine if there are further inaccuracies with the way payments were applied. 

Finally, The servicer is dragging their feet with returning the over payment drawn from my bank account and applied to loan and now will not refund the payment timely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I attempted to open a bank account with Wells Fargo and was denied. I was advised that my denial was based upon a reporting to XXXX by XXXX XXXX XXXX. I asked if it was reported to XXXX because I have monthly alerts from XXXX and there is no record of XXXX bank on my credit report. The Wells Fargo representative stated that it was not XXXX because if it was I would still qualify for a XXXX chance account. He gave me a paper to contact Experian and was certain that the reports to the credit bureau was the reason for my denial. I pulled all XXXX reports and there is nothing reflecting XXXX bank. May I please know the accurate reason why I was denied an account so I can attempt to resolve the issue? 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services
State: FL

Complaint narrative:
A third party debt collector, Integrated Services at phone number XXXX, has been attempting to collect a debt from an employee. They have repeatedly called the place of business even after the employee has requested they not call them at work. They are now leaving messages on the general voicemail for the company, as well as leaving messages with me ( HR ). I ( HR ) has asked them to not contact the employee at work, but refuse to listen. They are now threatening HR with arrest if I do not give the employee the messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: AL

Complaint narrative:
We have been trying to close on our first home since XX/XX/XXXX. We have applied for a USDA loan. While going through the process we have given financial information, employment verification, letter of explanation for payments, and tax information to the mortgage company. We have had to get XXXX extensions on escrow. We are dealing with Paramount Residential Mortgage Group, Incorporated. Over this time, they have had us to re-send much of the information that we 've submitted during the beginning stages of the loan process. We remind them that we have sent the information, but they keep saying that it is for the underwriters. The claim is that the underwriters are trying to " dot every I and cross every T '' for the USDA loan. The problem is that the government has already approved the loan weeks ago, but we have yet to close on our home. We are also having issues with our mortgage agent, XXXX XXXX ; he does not return our calls when we inquire about what is holding up the loan process. This has been going on for several weeks. We are concerned that either they are losing our personal and financial information or that they are just holding up the process because they are getting some type of financial gain by holding up the sale of the house. As this process has gone on and on, I have seen the level of unprofessionalism increase to levels bordering on negligence.

Company response to consumer: Closed
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i went to XXXX and finance a car XXXX through wells Fargo Bank they told me if im putting a $ XXXX upfront my monthly payments will be XXXX per month including all taxes and fee 's i sign the contract and they said copy of all the contract will send by mail i got my first bill the payment was {$460.00} A month i called them and they told me no way we will look into it i called wells fargo they said we will look into it but they never did then they told me take the car back to XXXX i went back they told me this guy no longer working there so they have no clue what am i talking about then i stop making payment bc i could n't pay i was i college and the repo the car i called them spoke to them and they told me that they will remove the negative item from my credit file which they didnt i sue them in court i win the case and they still dont want to remove it they ruined my credit i cant get student loan and i cant continue going to college im a single mom and they destroy my life and my future

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 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I financed my car through wells Fargo Dealer Services. I have made all payments through bill pay. On XXXX I did an early payoff. I sent wells Fargo & XXXX. 
I overpayed what they were showing I owed at that time on their sign in site. Wells Fargo never ever showed in any statement that I made a {$7000.00} Payment. Wells Fargo shows that I sent them {$6100.00}. That is today. When I first made the payment they at that time showed that I made 2 seperate payments both being extremely less then what I sent them. These payments mysteriously now disappeared. Now only one payment shows. When I questioned them, They gave me the run around and said thats just the way wells fargo does things. They did send me Title as well as Payoff letter. The problem is {$7000.00} - {$6100.00} = {$930.00}. Wells Fargo sent me a check for around {$15.00}. Where is the over $ XXXX they owe me. Im just going by their records. Did they open another account with this money? I want to know. I have documentation proving every word im saying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In XX/XX/XXXX we completed a modification with Wells Fargo Bank, we were so excited about the modification that we did n't read the entire forms that were sent out for us to sign. In XX/XX/XXXX due to my wife illness we fell behind not quite XXXX months with our mortgage, we were trying to catch up always a month behind. We decided to try to get help by doing a debt consolidation loan to bring us us to date it would also help us to secure a refinance in the next 12 months. We found a company that would do the loan for us just as we were to sign the document a Title search was done and we found out that HUD had placed a partial claim on the home making it virtually impossible to secure a loan. The claim shows up as a lien on the home. Finding this out was a shock to us, we were never informed verbally that a lien would be placed on the home by HUD. This has create a hardship for us because no one will touch our home due to this XXXX lien. We are falling farther behind on our mortgage and other bills we want to save our home, as we have the income to maintain our home once we get someone to help us to get ahead. We sincerely hope you can help. 

Regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
In 2007 I applied for what I thought was a home equity loan to do repairs on my home. I originally applied f or the loan through Wachovia Bank. Later Wells Fargo took over all the Wachovia accounts. Later, I found out the loan I received was not a home equity loan, but a home equity line of credit with compounding interest. I have made payments on the home equity line of credit loan with an outrageous rate, and I owe the same amount of money I originally borrowed in 2007!. For the last 8 years I have been trying to work with Wells Fargo, and combine my home mortgage, and home equity line of credit into XXXX conventional home mortgage loan with a reasonable interest rate, however Wells Fargo refuses to do it. I have excellent credit, have paid the loan diligently, never late, and the value of my home exceeds the amount of the mortgage and the home equity loan. I am almost XXXX years old on a fixed income, and I ca n't believe Wells Fargo will not work with me. I am not asking for a handout I have a reasonable request. Wells Fargo wrote me a letter essentially telling me to let my mortgage lapse and default on the loan. I have never, and will never NOT pay my bills. I am desperate for help. Is there anything you can do to help me?

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 2016-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Sent this message to Wells Fargo on XXXX/XXXX/XXXX on their own contact us page. Your information says there will be no fees for ATM withdrawals for international withdrawals for premier checking holders. You have incorporated fees in the exchange rate that you are using for converting the XXXX that I withdrew. The transaction here you charged me an exchange rate of XXXX XXXX. On the same date XXXX XXXX converted transaction charged on my credit card with an exchange rate of XXXX dollars/euro. In addition to this transaction I had another ATM transaction for XXXX XXXX on XXXX at an ATM and a conversion of XXXX euros in your retail Branch office in XXXX Minnesota. The conversion in the branch offie the Bank officer told me there would be no fees for getting XXXX as long as I was a bank customer. These claims of no fees is disingenuous when you know you set the exchange rate to include a fee component. I believe you should self report to CFPB I followed up with the bank again in XXXX XXXX as they had not adequately responded to me on the issue and basically gave me the run around by referring me to the foreign currency department of Wells Fargo with no specific reference to a banker to direct my issue too. They did follow up in XXXX XXXX and I received a call from XXXX XXXX who could not comprehend my issue and escalated it to a supervisor. I do n't recall the supervisors name but he basically said there was no fee incorporated in the exchange rate and that there was nothing they could do for me. I do truly believe there is a fee incorporated in their foreign currency conversion rate and probably would not have a problem with it other than they sold me on a premier checking account on the basis that a certain number of these transactions per month would be without fees and I believe they are not standing behind their promises and disclosures. Maybe they should not promise things that they will not follow through on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX. Denied A Fraud Claim Of {$14000.00} From Wells Fargo Bank Who Allowed Money To Be Laundered In The XXXX, XXXX Branch Wants Money Returned. 
On XXXX XXXX, 2016, I, XXXX. XXXX XXXX became a victim to an IRS Scam ( XXXX ), was instructed to pay {$14000.00} ( {$6200.00} Taxes Owed + {$8000.00} IRS Processing Fees ), and to deposit it in IRS Accounts ( Acct : XXXX and XXXX ) at Wells Fargo Bank, in XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX ). A XXXX XXXX ( XXXX XXXXXXXXXXXX ) stayed on the phone with me ( inside the bank as well ) until the deposits were completed. 
On XXXX XXXX, 2016, I filed a XXXX Police Department Report ( Incident # XXXX / XXXX ) as instructed by XXXX XXXX ( Asst. Branch Manager of Wells Fargo Bank in XXXX, XXXX XXXX ) to start the IRS Scam investigation. The Branch Manager ( XXXX XXXX XXXX / Wells Fargo Bank in XXXX, XXXX ) told me to come into the bank on XX/XX/2016 to start the Fraud Claim investigation. On XX/XX/2016, XXXX XXXX ( of Wells Fargo Fraud Prevention XXXX XXXX, XXXX ) informed me that she was the fraud XXXX for my case. I called XXXX XXXX weekly to find out the status of the case, and she ignored my calls for more than 30 days. Then I contacted the Branch XXXX again on XXXX for a case status update, XXXX XXXX laughed and said he had about XXXX other fraud cases, but would email / call XXXX XXXX and let me know within two days his findings. XXXX XXXX never called back. XXXX XXXX called me on XX/XX/2016 and said that she had closed the case on XX/XX/2016 ( More than 30 days ago ), refused to give a case number, and said to contact the XXXX XXXX XXXX XXXX for answers. 
On XXXX XXXX, 2016, Wells Fargo Bank 's executive office ( in XXXX XXXX XXXX ) contacted me, gave a new Case Number ( XXXX ), and said XXXX XXXX XXXX would be investigating the case. XXXX XXXX called me, concluded his investigation ( on XX/XX/2016 ) stating that my {$14000.00} would not be returned ( because I walked into the branch and deposited the money into the accounts ), and no letter would be sent to me regarding the findings of the case. 
XXXX XXXX XXXX XXXX. XXXX XXXX wants the case to be settled as follows : Full payment with a Cashier 's Check of his {$14000.00}. 
Letter of with both Case Numbers and investigation findings.

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 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo closed my account and the total unpaid balance was over {$500.00} that they claimed I owe, when in actually I only owe {$180.00}. Spoken to a few representives that stated the other charges were multiple bank overdraft fees in the amount of {$35.00}. Bank refuses to take off overdraft fees so I can just pay what I actually owe.

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 2016-01-28 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
CashNetUSA is charging late fees and noting my account as delinquent, but they are not debiting my checking account on the dates agreed upon. Since CashNet has not abided by the contract by not debiting my account as agreed, and as a result are adding interest to my loan and causing and declaring my loan is in default, I am requesting the account closed with a final payment of {$210.00}. They can not say I am in default 73 days when they do not perform the automatic debit as contracted. I took out the loan for travel to XXXX funerals in XXXX 2015 and relied on the terms of the contract to withdraw the agreed upon amount. What they are attempting to do now is steal money and tarnish my credit rating in the form of fees and a default notice. There is a deposit of over {$3000.00} on the XXXX and last day of each month, so CashNet has no grounds for late fees or default notices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
After applying for seeking help from another bank where I found out after the fact that I needed to refinance a balloon payment that back denied me and I 'm still not sure why but I moved forward and applied for and FHA at another bank being it was where my mortgage is held. ( both ) Realizing the time restraints I was under I informed this bank that I only had until the XXXX of XXXX. 
I came to with a co borrower because I knew that my income would be a challenge. After looking everything over the banker thought it was a real chance that everything would work out. Now 2mons later after moving into the underwriter phase the loan was denied, We were devastated we were also lied to told the reason was because the borrower lived out of town. We knew that was not true after going online to the FHA website guidelines. 
Please note my co borrower as myself did not every receive a denial letter in the mail. I went on XXXX and had the branch manager email me the reason for the denial which had nothing to do with the co borrow living out of state. It was because you can only have one FHA on the books at one time. They should have known both mortgages are at the same bank. ( 2months wasted ) Now my credit rating is starting to take a hit. )

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 2016-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am currently in foreclosure with my loan for my mortgage.with Wells Fargo bank. I am going through a divorce due to XXXX. I have been trying to re-modify my loan for the past couple of months. I have been given the run around so much I feel that wells fargo re entry department is just stalling to get to the sale date. I have supplied the documents over and over again and they keep saying we do n't have this we do n't have that. I am working with a XXXX specialist that is submitting the documents herself and knows that wells have them after I call them a few times they tell me oh we have found the documents they were in another place. My lively hoods depends on this modification. I was denied due to unaffordability. and thy told me in order to resubmit I needed to have a change in my current situation. My mother has moved in with me to help me and and is assisting with her income and they are still giving me the runaround and telling me that they still have to verify that I am eligible for reentry. I have done all that they have wanted several times over and they are still not doing as they have said. I just want to be treated fairly. and given a fair opportunity in this process.

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 2016-11-01 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I submitted multiple payments to SpeedyCash for a payday loan. They still reported to my credit bureau an outstanding balance.

Company response to consumer: Closed with explanation