vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, Several years ago I took out a line of credit home equity loan from Wells Fargo Bank to perform home improvements on my prior home in XXXX, XXXX During this time my family and I moved from XXXX, XXXX XXXX, XXXX for a job opportunity. During this time we were unable to sell our home and it was foreclosed upon. At the same time I filed for Bankruptcy that which included the line of credit loan, which appeared to have been assigned to a XXXX law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Subsequently my children and I moved back to XXXX ( XXXX XXXX area ) in XXXX XXXX and continued to pay the BK amount for the year. Subsequently, I received a letter which informed me I was not paying enough and the BK was being withdrawn. The amount owed for the WFB account was XXXX {$33000.00} ( which is confirmed on the XXXX website ). In XXXX, I received a letter from a XXXX court informing me a court order of garnishment for XXXX {$100000.00}. I have requested an accounting of the amount they have listed to validate/confirm the amount. XXXX XXXX XXXX XXXX letters have been sent to XXXX XXXX XXXX without any response. 

There are several issues that are quite unclear. 
How can a court rule without notifying me of a hearing date and then pass judgement? 
How did the outstanding amount go from XXXX {$33000.00} to XXXX {$100000.00}? 
Why have they not provided me with an accounting? 
I do not live in XXXX and have not for several years, should this not be handled in a court XXXX? 
When I moved to XXXX the court that handled the case was in XXXX and the reason I was given was because this is my place of residence. Now that my place of residence is XXXX should it not also be handled in the state of residency. 

Please help me in getting a response and a new hearing to validate the outstanding amount.

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 2017-02-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: DLC, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I received a loan from Dollar Loan Center in XXXX, CA. I was assisted by employees XXXX and XXXX at the time of applying. During the process I asked both XXXX and XXXX what were the XXXX tables their company charge in interest. I was never given any XXXX explanation from XXXX or XXXX. From XX/XX/XXXX to XX/XX/XXXX I paid XXXX dollars on a XXXX dollar loan. I called numerous times to speak with XXXX and XXXX to ask why the principal of the loan does n't reduce after each by-weekly payment of XXXX dollars and what was in interest charge I was paying since no one explained the APR on the loans they offer. I was never given a clear response from either employee. I was notified after calling every week in XX/XX/XXXX that the XXXX rate I was charged for the loan is XXXX %. I was very upset that I was never informed of the APR associated with the loan. I had maid on time payments for XXXX months not knowing the exact interest I was bring charged. This is very shady and deceptive business practices by Dollar Loan Center. I asked XXXX why she did n't answer my initial question of the XXXX that her company charges. I was told by XXXX that they can only explain their fees by a daily fee charge. I asked XXXX what XXXX in percentage will be to calculate the interest charge. She refused to do so. I never received any documentation explaining I will be charged XXXX % for the loan. I experienced a economic set back that would make it difficult to make the high payments I was making each month. I called and spoke with XXXX and explained the situation to her. I was informed by XXXX that Dollar Loan Center does not work with their customers to make payment arrangements or help reduce the interest. I was told to speak with her XXXX XXXX. XXXX informed me that if I wanted to terminate the loan i would need to pay back the whole XXXX dollars and that the XXXX dollars I have already paid was interest on the loan. Now, After speaking with XXXX, I received daily phone calls from XXXX and XXXX to make payments on the loan after explaining to them that I ca n't and need their help to arrange something but they refused. The phone calls continued daily from different phone numbers and even blocked and private numbers. I asked XXXX why was he calling me from a blocked number if he is calling to collect a debt. I was told by XXXX Dollar Loan Center makes that decision. My wife was also called numerous times even though she was never part of the loan or application. I asked XXXX why he and XXXX are calling my wife and giving out my personal information to her if she is not part of the loan. XXXX replied he can tell her anything since I am married to her. I informed XXXX that is not correct. I was told by XXXX if I had a problem with that to call his XXXX XXXX. Now, Dollar Loan Center is threatening to sue me for XXXX dollars after I have already paid XXXX in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am running into filing a dispute with Wells Fargo Credit Card Services. I filed a dispute with them XX/XX/XXXX via the only method they allowed, fax machine. I called their primary phone number in XX/XX/XXXX to follow up and was told that I must wait 60 days to follow up. I called in today they have no record of my claim. I asked to speak with someone in the credit dispute department and was informed that is n't allowed, they only allow internal communication. It is unreasonable that the credit reporting department for such a large company does n't allow any access for consumers to contact them directly. My only alternative now is to submit my claim via fax again and start the two month wait all over in hopes that someone responds this time. This is completely unreasonable for such a large company when the credit reporting they control has such a substantial impact on their customers life.

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 2016-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am being sued by a debt collection agency called XXXX XXXX XXXX out of XXXX XXXX, Michigan. For background purposes, I lived XXXX from XXXX until XXXX of XXXX when I moved to XXXX. In the late XXXX 's, I had entered into the credit card contract with Wells Fargo Bank while living XXXX, and any charges made on that account would have been made XXXX. According to XXXX XXXX XXXX, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, XXXX XXXX XXXX are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state XXXX, this contract has nothing to do with the state XXXX and the 6 year SOL XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat XXXX " If a cause of action arises in another state or territory or in a foreign country and, by the laws thereof, an action thereon can not be maintained in that state, territory, or foreign country by reason of lapse of time, the cause of action shall no be maintained in this state ''. 

XXXX XXXX XXXX is supposedly a " XXXX XXXX XXXX '', so they should know the laws set forth in the states in which they conduct business, which I 'm sure that they do, but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone, yet they continue to prey on me, someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have, to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. XXXX XXXX XXXX and companies like them, need to be punished for their actions and have more stringent laws and guidelines placed on them so as not to fill the courts with these frivolous lawsuits.

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 2016-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX XXXX has failed to provide me a copy of statements after mutable attempts, XXXX XXXX have not given me a copy of records of all payment that I have made with 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 explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was denied loan a modification and they did not let me appeal the decision during the 30 days period now have been foreclosed on. The bank took the house back and I have XXXX young kids and no place to go

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX, XXXX, named the XXXX fastest growing privately held company in the US, is the latest in a series of recovery agencies purchasing old WF long time closed credit card debt. In my case, they took me to court to profit on a ( most likely bundled instrument ). I have consistently asked for the " purchase price '' they paid, through the law group they hired, and XXXX or XXXX refuse to give me that information. XXXX hired lawyers. There is a court ordered settlement hearing tomorrow, and then the case is scheduled to go to trial. Are they allowed to profit on me, XXXX, when I have no means to pay, the loan was written off by a bank that got bail-out funds relevant to the 2008 crisis, around the same time period. Were I to be able to come by funds to end the case, those same funds would find more prudent social use being applied to life-saving treatments for a medical condition. Why are certain consumers caused harm and not allowed to dissolve a debt during substantiated illness, job loss, other than through bankruptcy, when banking institutions DO get other benefits and help when as a corporate " entity '', they face their potential demise? And at bare minimum, why are the consumers not given the right to KNOW what their supposed debt is sold for, so they have lower cost options for resolution if desired versus " for profit '' agencies : the option to borrow money from a friend or get assistance from a nonprofit to prevent or end legal harassment for profit. This seems a reasonable option for folks seriously harmed by debt. Prevent stressful ordeals at that opportunistic bundled purchased price when requested. I am in formal Discovery to gain knowledge of what the amount of the " pennies on the dollar purchase price '' was, in order to 1 ) have that fact to work with, and 2 ) to be able to prevent inaccurate XXXX, which will affect my ability to have insurance. I have no lawyer, and like many Americans, can not afford XXXX. Can your agency help? Is there policy or law in effect I do not know about concerning this issue? Is there policy being written for XXXX to be able cancel debt, at the price it 's being sold at to " for profit '' collection agencies?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My parents opened an IRA with Wells Fargo for me for the tax year XX/XX/XXXX in XXXX. It was opened with my Social Security # but since I was in college at the time, moving frequently, my parents had the statements mailed to their house. A few years later my parents moved to XXXX and continued to have the statements mailed to them. A few months ago I was looking through documents my parents had given me years ago and found a statement from XX/XX/XXXX and wondered what the value of it was. I called Wells Fargo - they have no record of that account number and know nothing about it. I 've called their general XXXX # ; their South Dakota headquarters, several depts and even the branch in XXXX, XXXX where it was opened. Wells suggests that because there was no activity ( e.g. contributions ) on the account that they would have sent a notice asking for contact from the customer and if they did n't receive a reply they would have escheated it to the state where it was first opened. They also note that since it 's been more than 7 years they are not required to keep records and is why they are n't able to find the account number or any activity on it. 
I have called the XXXX State Treasury 's Unclaimed Property - they do not have any record of it. The XXXX State Treasury indicates that they believe that unclaimed property will follow the individual 's Social Security # and since I now live in XXXX, WA it may be here. I called the WA State Treasury. Their unclaimed property dept has no record of it. WA State Treasury believes that unclaimed property would have been sent to the state that the bank last had record of for the customer. In this case that would be XXXX. I called the XXXX State Treasury, and again - they have no record of it either. 
My mother is meticulous about keeping records - she does not ever recall receiving a notification from Wells Fargo that there was no activity on the account and it was going to be escheated. Both my parents and myself had assumed that an IRA is not something that needed to be kept " active '' - we were under the assumption that it is a retirement account, meant to be left alone until ready to draw on the funds in retirement. I am far from retirement. Your help with this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender. I have requested documents for a loan modification in an effort to assume the loan and they said that there is not enough time to process my request.

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 2016-10-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Sir, I was charged excessive late fees on a secured credit card by Wells Fargo Bank- representing an effective 1,000 % interest rate and over XXXX % of my collateral. The late fees were automatically charged, my account was subsequently closed and missed payments were reported to credit agencies. The bank had failed to notify me either electronically or via paper in spite of me updating the bank staff of this change of address. I have also spent several months trying to get the bank to reverse the several charges they have charged - an effective 1000 % + on a completely securitized line. The bank customer service and executive office seems to only want to find a way to legalize those charges and do not want to take any accountability for excessive fees and charges. While the enrollment process I was told that this secured credit card would only hurt my credit scores. I have no other option that to use this forum to hope for a correction in their methods and processes used.

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 2017-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: MN

Complaint narrative:
I 'm writing to contest how my loan servicer is calculating the interest on my student loans. I had loans in the amount of {$120000.00} with 7 % interest. Fedloans has been servicing my loans since XXXX. I am on an income-based repayment plan. In XXXX of XXXX they mistakenly took me off IBR and said I owed the full amount of my loan payments which was about {$1400.00} per month. I called them and they said I filled out the wrong paperwork for my annual IBR recertification. I filled out the right one and my monthly loan payments were correctly adjusted by XXXX. They told me they would give me a forebearance for the month of XXXX which I could n't pay. When I looked at my statement, they ended up capitalizing all the interest in my loan since XXXX because of the 1-month forebearance. This ended up being {$13000.00}, so now my total loan balance has skyrocketed to {$130000.00}. I do n't think they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We are having a hardship and closed the business and need the mortgage modified to a 3 % interest rate and extend to 480 payments due to loss of job, income, and business.

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 2015-12-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Service Residential, Nevada, LLC
State: CT

Complaint narrative:
I am trustee on a home my mother owned. There were several XXXX dues levied on a monthly basis. XXXX XXXX contracts with First Service Residential for billing. I was not receiving bills in a timely manner. At the time of my mother 's death, the XXXX dues were due for about three months. I paid in full, and the XXXX cashed the check. Not two days later, I received a collection notice showing that over an entire year 's worth of dues were owed. I provided a written notice within 30 days disputing the debt stating it was paid and providing records. I asked Red Rock Financial Services ( the collection agency ) to verify the debt. I received no such records. I am now in the middle of selling the home. At signing, I was presented with a settlement statement from the title company stating that the XXXX dues are in collection status and that the amount still owed is significantly higher than the yearly amount. I still have received no justification for this amount and from where it has arisen given that the fees were paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went in to my local wells fargo branch that is near my work on my lunch break to with draw money from a non-wells fargo account. I am a full time student and have a checking account run through my school where i receive my stundent loan refunds deposited too. Typically once my refunds are deposited i head over to wells fargo to withdraw the money and deposit the money into my wells fargo account because the bank from my school does not have any convenient atms and there are fees everytime i used the card. Well this was the first time i went to the wells fargo by my work and when i pulled up there was not a visable atm from the front. I went inside the banking center and asked the teller if there was an atm at this location and he confirmed there was one around the side. However the teller informed me that he could complete the transaction inside and i asked is it the same fees as the atm outside and he stated that they were. The teller then asked the associate next to him how to complete the transaction and the teller informed him to do a cash advance. I then asked are you sure the fees are the same as using the atm, the atm only charges me {$3.00} from my other bank and wells fargo charges {$2.00} because its a non wells fargo account. The teller reassured me they were the same. After the transaction was complete there was a {$17.00} charge on my account because the teller ran it as a cash advance. I went to the manager, the manager had the personal banker call my bank and my bank informed us theres nothing they can do. Its wells fargos fault for running it as a cash advance. I ended up being late back to work, the manager said he was going to call me and i have yet to be called. I was lied to, they wrongfully did a transaction that i did not authorize, and wells fargo stole {$17.00} from me. I asked the manager to either reverse the charge or reimburse me to fix the situation.

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