vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We have tried to obtain a modification from Wells Fargo and have been denied 5 times in the last few years. We paid our mortgage for 7 years before falling behind this last time. We worked with a Home Preservationist ( XXXX XXXX ) who indicated that we did n't have to keep making payments ; that at the end of the process all the past due would be put at the end of the loan. ( Please see documents at end of email to explain situation ) Please note the last statement we received indicate we were behind 13 payments of XXXX and the form dated XXXX/XXXX/XXXX states that the payment was {$980.00} and going to XXXX starting XXXX/XXXX/XXXX, which is not here yet. Also, after all we have gone through they are raising our payment and our interest rate! 
We want to keep our home and I have written to the CEO of Wells Fargo via email at least 3 times and he may have referred my inquiry to someone, but he did not answer me at all. I also spoke with a home preservationist recently ( XXXX XXXX ) who stated " some mortgages are not worth saving and maybe it is time to move on ) We have been fighting for almost 2 years and we do n't want to move on - if we did we would n't be fighting so hard.

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 2017-02-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX XXXX Wells Fargo conducted an unauthorized hard check on inquiry on my credit report. I submitted an online request for Wells Fargo to contact the credit bureaus have the unauthorized inquiry removed. Instead of complying or providing me with an explanation for why they conducted a hard inquiry Wells Fargo asked me to file a request via mail. Since my experience with disputes by mail has been that they lack accountability and are often simply a way of dragging out the resolution process with the goal of discouraging the consumer from pursuing the issue I am filing a CFPB complaint instead.

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 2015-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I went for a loan from XXXX mortgage company, was underwriting for XXXX XXXX. I was unaware of all scams and tricks that were being done at the time, they seemed like trustworthy people. I later found out that my closing documents were forged and initals put in places for an adjustable rate that I never agreed to. My initial mortgage payment was XXXX dollars inc. taxes that went up to XXXX a month. They transferred my mortgage to several banks and finally ended up with Wells Fargo as a servicing company and XXXX XXXX XXXX XXXX XXXX as the creditor. I had this mortgage for ten years. The balance started out as XXXX now it 's more than XXXX and still going up. They notified me that they were going to foreclose on the property because they are unwilling to do a modification and balance reduction that is affordable. They promised me during XXXX that after the moratorium was over they would modify the loan. All empty promises. They have all phony foreged documents, robo signatures they are using to take my home from me, when they ca n't even prove they legally own the note let alone foreclose. pls help and investigate this pack of lies, and foreged documents intered into there mers system. They never even filed with the XXXX county clerks office they are the owners of the note. they ca n't produce the originals and hide behind lawyers who lie for them and employees that just signed lies for a living. sincerely XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In 2005, XXXX XXXX received an advertisement from Wells Fargo Bank offering her a chance to participate in a " Special Government Program '' which allowed her tax-free money, " plus you wo n't have to make a payment for as long as you live in an own your home ''. She was left with misimpressions about the product. She was confused about the reverse mortgage being a loan, left with a false impression that it was a government benefit that would allow her to stay in her home for the rest of her life. The ad was incomplete/and or contained inaccurate information.

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 2016-06-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I took out an online loan in the amount of {$3000.00} on XXXX/XXXX/2015. I have since paid {$190.00} biweekly X 24payments= $ XXXX-well over the principal and show there are still about 22 payments due in the total amount of {$4200.00}. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if any more money is legally due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Constant calls to my place of business. Always a recording, when I hold for a rep, call hangs me up so I never get the chance to speak to someone to question the legitimacy of the call. 

Recorded call dials in XXXX times a day, everyday including weekends.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When I purchased my home in 2006 I believe that I had obtained a rate whose rate was only fixed for 5 years and would adjust afterwards. When the 5 year mark arrived the rate did n't adjust. I contacted Wells Fargo and they insisted the loan was with a fixed rate and the rate would not be changed. I tried to refinance the mortgage and despite many attempts they have refused to refinance my mortgage under any circumstances. 
I reached out for assistance from Wells Fargo and despite the fact that I sent the same information repeatedly they insisted I had not furnished them all the information required. They also kept moving my case to other people. It seemed that they on purpose would request the same information over and over just to discourage you from asking for assistance. 
I have been current with my payments and I am locked in a mortgage at close 7 % which is far higher than the market and ca n't get the bank to refinance me. I think the mortgage when I first signed for it was misrepresented to me and I believe that in order to correct that misrepresentation some accommodation should be reached.

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 2016-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo XXXX XXXX x XXXX. - {$130000.00}. XXXX {$69000.00} XXXX XXXX x XXXX. - {$99000.00}. {$23000.00} XXXX XXXX x XXXX - {$65000.00}. {$110000.00} {$200000.00} PAID + {$53000.00}????? 
{$260000.00}! 

WHAT WAS THIS?. WHEN DID I SIGN THIS? Was this the 'second first XXXX loan released in both XXXX and XXXX??? 

To the CFPB. this was on YOUR watch. 
HOW did Wells Fargo STEAL my property? 
Wells Fargo took my duplex for money I DID NOT GET! did not save.and $ XXXX.i paid. 
And Probably the money I just paid on a loan modification on my HOUSE! 

Why is this OKAY?

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 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
My Home Loan was sold to AmeriHome Mortgage Company from XXXX. Payments were to being XXXX XXXX to AmeriHome. In the meantime, I was making payments to XXXX and partial payment was already sent out to XXXX since I did not get the notification until XXXX. I then called Amerihome to introduce myself and find out if they want me to cancel that partial payment to XXXX or continue to let it go through - in which XXXX would then forward it to Amerihome. On the phone, the rep from Amerihome told me that they do not accept partial payments unless I fill out a form, but that they would accept it as a XXXX time courtesy. 
XXXX forwarded this payment to Amerihome XXXX in which Amerihome still has not posted to my account with my other partial payment to form a complete payment. Amerihome has sent me a check made payable to XXXX XXXX ( XXXX XXXX ) which I could not cash. They asked me to send them the check back so that they can investigate in which I did immediately. I called them and they have no idea what is going on. I spoke to a gentleman named XXXX four week ago who assured me that they have all money and things will be fixed in my account. Nothing was ever posted. I receive delinquency letters and threatening voicemails from Amerihome constantly. I have missed work, I am out money and have so far documented 18 hours on the phone with them - including a Supervisor named XXXX for two hours two weeks ago ( beginning of XXXX 2015 ) who assured me that she would handle it and yet nothing is fixed. I should be up-to-date until XXXX XXXX, but it is showing delinquent and I will be assessed fees for them to have to come out and inspect the home! This is TOTALLY unprofessional and completely stressful. My husband is going for XXXX XXXX jobs, we both have XXXX credit scores and this can be detrimental to our future. Currently, I am out hundreds of dollars of lost wages not including the XXXX damages of them possibly putting us in foreclosure and worrying about my children! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I get multiple calls before my due date. If I happen to mention a day that I will pay, I will get calls every day after that day if I do not make it in until I come in. Very unprofessional and down right annoying. The loan is for less than {$600.00}. The payments are {$90.00} a month. Its ridiculous. No auto pay option thru the company.

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 2016-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a checking account with Wellsfargo Bank in XXXX XXXX in XXXX, Florida and was informed that a monthly fee of {$10.00} will be assessed on my account if the usage frequency of my Debit Card from my account does not exceed XXXX transactions per month. 
On separate ocassions, a {$10.00} was imposed on my account despite having more than XXXX transactions in the monthly cycle. 
Upon inquiry after the first assessment, I was informed that the cycle was from XXXX of the month to the XXXX of the following month based on the opening date of the account. When a second monthly fee was imposed on XXXX XXXX, I contacted the bank and was informed that the cycle started and ended on XXXX of the month. I then pressed the banker who assisted me as to how a cycle can vary that widely XXXX XXXX to XXXX -- 5 business days ) and how a consumer can play by the rules if the target ( deadline ) keeps moving. 
I argued that such an arrangement is unfair to the consumer and the monthly fee assessment should have been based on a calendar month, or at least on a fixed monthly cycle so that the consumer does not get charged with fees via such sneaky tactics.

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 2017-01-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
XX/XX/XXXX Wells Fargo letter arrived " Congratulations, You 're getting an upgrade ''. If you do n't want to upgrade instructions were followed prior to the stated XX/XX/XXXX date via XXXX with a male customer service representative. with a disconnect between department transfers and extended hold time. 
An immediate follow-up yielded even less rewards due mainly to my now attitude. XXXX follow-up same transfer between departments. Each transaction my desire not to upgrade presented. XXXX same run around only now a lack of activation of new card would yield deactivation of old card and decline of purchase transaction as of XX/XX/XXXX. XXXX follow-up XX/XX/XXXX yielded nothing. XX/XX/XXXX follow-up and notification, Not activating card and questioned affects on credit standing, provided the response ie : card updated in XXXX and ca n't be reversed, and did not know how my credit would be affected after noting long time customer might have an effect on the reporting. Also, could not provide anyone to respond to credit question. No reverse of upgrade or credit limit would be possible even after Four ( 4 ) request Not To Upgrade over a three ( 3 ) month period. 
Customer Received a Product They Did Not Request. Even after several denial request. 
Might Damage Credit Scores, and possible wife 's?

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 non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint concerns a distribution from my old XXXX from Wells Fargo as a rollover to my new XXXX. Last year, I closed my Wells Fargo XXXX account and asked for a check for the entire balance to be made out to my new XXXX financial institution XXXX my name. I received a check in the amount of what I was told was the entire balance made out correctly. Subsequently, I was sent XXXX more checks that included small additional distribution amounts. Some of these checks were not made out the correct way, as in the money was distributed in my name instead of the name of my new financial institution. Every time I get XXXX of these checks, I have to print out the roll-over forums and mail everything priority mail to my new institution. More worryingly, this company made additional distributions in my name instead of the financial institution with XXXX. Because of this, I now owe a tax liability on this money. I was never asked for nor gave consent to have the checks made out to me, and I was very clear in the multiple calls I made prior to receiving this money that I wanted all checks to be made out to my new financial institution. I called Wells Fargo, and they refused to do anything about how these checks were made out or to redistribute it to 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 2016-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had an account open with WellsFargo since XX/XX/XXXX for direct deposit from my employer XXXX XXXX. On or about XXXX XXXX, XXXX both my Credit account were closed and put on collections. 1. Platinum Credit Card account XXXX {$1000.00} and 2. Line of Credit limit {$3000.00}. I had balances on both accounts, but never missed or made late payments. I had inquired bout their closure and was informed that WellsFargo is not obliged to give reason for the closure at their executive office. On XXXX XXXX, XXXX, I had paid both balances to {$0.00}. Yesterday, XXXX XXXX, XXXX, I took my family to a restaurant and attempted to pay for my restuarant bill with wellsfargo debit card, I had a balance of {$760.00} of which {$210.00} cash deposit was made at the branch at XXXX XXXX Est. on XXXX/XXXX/XXXX. Card got declined, I was embarrassed and had to use credit card to pay my bill. 
Today XXXX/XXXX/XXXX, I called the wellsfargo customer service and after so many transfers was informed that the bank had terminated the relationship and funds are frozen for up to 10 business days. I have inquired as to why my account was closed and relationship terminated. No explanation was provided. I had asked for supervisor to intervene and release my funds as I had payments and other bills to pay. They had declined to allow the total funds to be released, and decided to release only {$580.00} out of the {$1000.00} I had in my accounts. Funds that I have earned legally from my employers. I do n't think it is right as a consumer for my funds to be frozen without proper explanation. I have bills to pay and late charges incurred because my funds were frozen would only add to my problems and frustrations. I do n't think any bank institution has the right to freeze consumer funds unless that consumer comes up on OFAC list. Last I have checked I am not on OFAC list, therefore, I do not wish for anyone else to go through what I am going through with WellsFargo and wish to file a complaint and remedy the surcharges incurred by me because of this ordeal.

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 2017-02-10 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a credit card offer to transfer funds for 0 %, I responded to the offer on XX/XX/XXXX. The only reason for opening an additional credit card was to take advantage of the balance transfer. I called on XX/XX/XXXX to follow up on the transfer and was told it would take 7-10 business days. I called again today to follow up and was told it would take 10-14 business days and that their records indicate that I did not request this until XX/XX/XXXX and I should see it post by XX/XX/XXXX. I spoke to a supervisor who stated that a check will be mailed to me in 7-10 business days. I have never had a balance transfer on a credit card be sent personally to me as a check. I am furious that I jeopardized my credit by opening an additional credit card with a specific purpose to do a balance transfer and they are XXXX around with it, not processing it and not processing it per normal industry standards. I spoke to a different supervisor asking to cancel this transaction so I can take my business elsewhere. That being said, I 'm not stuck with this credit card on I do not want or intend to use. Wells Fargo needs to be investigated for their 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 non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
While on XXXX an American Express card was cloned. 
Part of an identity theft. I tried to work with Amex they refused to assist. On a weekly basis my bank pays Amex. Amex refuses to speak to me. They say there is a collection agency handling. I have never received anything in writing from anyone other than Amex after the fact saying the account was closed. After I complained that my credit report was not reflecting my payments in accordance with Amex 's agreement Amex charged off the card. Essentially, they accepted a plan due to the complex situation and then acted as if it never was agreed. I 'm continuing to do exactly as agreed. Amex receives money weekly, but I can not log in and have no proof other than I get a balance email from Amex. I 've written over and over and called Amex over and over they refuse to speak with me. The only organization worse is XXXX that essentially did the same thing minus the charge off. Every 6 months a person from the collection agency will call and try to get me to pay a lesser amount and " close the account ''. Today they called offering me another Amex card if I paid off the {$1700.00} or so owed. I 've paid over {$3000.00} just as agreed. However, this alleged collection agency will not send anything in writing. On my credit reports it shows no payments being made. I really do n't know what to do other than to keep sending weekly payments to Amex as agreed. It 's the honorable thing to do. This fraud situation has destroyed our lives. We have no rights these banks can do whatever they want. If you think it can not happen to you I am living proof that is not true. So we will keep paying just as we promised Amex until we execute our agreement with Amex. I 've filed a congressional investigation seeking to expose Amex and the puppet credit bureaus that are tools keeping people enslaved to debt. I know nothing will happen, but the offer of a " new '' card today was more than I can take. We just keep paying just as agreed. Just look at the date closed and date charged off. We never missed a payment. Amex just got angry that I filed a dispute as my payments were not showing up and punished me by charging off the card. Vindictive hubris. XXXX

Company response to consumer: Closed with explanation