vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As a XXXX veteran, I applied for a VA refinance loan for my primary residence from XXXX XXXX XXXX XXXX in XXXX, SC XX/XX/2016. With all pertinent information in hand, I delivered my application to the loan officer who promptly checked my credit score with TransUnion and other credit reporting agencies and informed me that my TransUnion score stood at XXXX, far below their lowest requirement of XXXX and therefore was denied a VA loan from their establishment. That surprised me because I had subscribed to popular credit score company XXXX XXXX which reported my score was above XXXX. The loan counselor advised me that website credit scores and official credit scores use different formulations and the scores may not match. Although disappointed, I did not dispute the denial. However, I then joined the TransUnion credit score website for a fee, which also listed my credit score by TransUnion above XXXX. Confused, I continued to work on my credit hoping to get a better official credit score in the future. On XX/XX/2016 I applied for a home improvement loan from XXXX of {$2400.00} but was denied credit in part because of a credit score of XXXX. I promptly called TransUnion and asked for my credit report at cost, including credit score which I recently received in the mail. The credit score included in the report dated XX/XX/2016 is XXXX grade c and not the XXXX score quoted to XXXX, my prospective creditor. I now feel like I have been discriminated against for some unknown reason. I have complained to a loan officer at XXXX XXXX via telephone to no avail. I have notified XXXX via U. S. Mail of my intentions to dispute their decision. I have not officially notified TransUnion yet, but intend to do so. I would like for TransUnion to explain to me why they listed my credit score with prospective creditors at such low level but continued to tell me via their website and credit karma 's website that my score was much higher. The result being credit denial and major personal embarrasment. I would like an official apology from TransUnion explaining their error, if any, and I would like for them to correct the score given to XXXX XXXX XXXX XXXX and 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 2016-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I need help. Wells Fargo claims I have a delinquent payment, but I have had auto pay on my account for 12 years and never missed a payment. They continue to claim I owe it and call constantly to collect. I have asked them to tell me the payment I missed, and I would pay it. But they can not. My complaint has been open for over 100 days, and sent to XXXX escalation departments. But no one as been able to tell me what date I missed my payment. And now they are not returning my calls at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a credit card with Wells Fargo Bank. Payments are due on th XXXX of each month. I have an automatic bill payment set up with XXXX to occur on the XXXX and arrive by the XXXX. For XXXX months in a row, Wells Fargo has not received/posted my payment until after the due date. Two weeks after the payment generated to them. I beleive Wells Fargo is delaying posting. There is no reason why a bill pay check between XXXX of the biggest banks in the world takes two weeks for delivery. Wells has reversed the XXXX fee when I called them. Im not sure if they will handle the XXXX fee since they told me it was a one time " courtesy ''. They could not explain why the delay, saying only that the posting date was the date of receipt. They encouraged me to have WFB draft the payment against my XXXX account. However, I want the process to work as it has for several years of having this account. Prior payments have never posted this late. 

There seems to be some fraudulent activity here to inappropriately charge customers fees that are not of their doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX/XXXX/2016, my checking account showed pending transactions with a positive balance to cover those transactions by XXXX XXXX. My account did not show a pending transaction for a XXXX payment. Also after XXXX XXXX any deposit to the account will not be processed. During the nightly process between XXXX/XXXX/2016 & XXXX/XXXX/2016, Wells Fargo processed and posted the previous pending transactions that I was aware of at XXXX XXXX Wells Fargo also processed and posted a XXXX payment that I could not see. Because it is a recurring payment, it will be processed even though I do not allow over drafting. However, I could not see the time it came through to my account until the next morning at XXXX XXXX Wells Fargo processes overdraft fees by XXXX XXXX. I deposited {$20.00} cash into the ATM around XXXX XXXX in order to bring my account positive before any overdraft fees. After my deposit, Wells Fargo posted an overdraft fee to my account. This suggests that Wells Fargo took advantage of this recurring payment by not allowing it to post on my account as a pending transaction, but rather process the transaction over night and post it to the account after the nightly processing hours. In doing so, Wells Fargo would be able to assess a profitable {$35.00} overdraft fee for a roughly - {$16.00} balance. This concerns me because I never saw the transaction pending XXXX/XXXX/2016 before XXXX XXXX the cut-off time for deposits. I feel taken advantage of and mislead by Wells Fargo. I also have lost trust and faith in the financial institute and do not have confidence in other financial institutes. Banking is an essential part of my personal life, an essential part of my financialgrowth, and an essential part of my business beginning and growing.

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 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
USA federal Credit was removed and reinserted as it 's reporting to the XXXX credit bureaus and negatively affecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I deposited several checks in my Wells Fargo checking account with the total deposit amount of {$3500.00}. The bank received the money and credited my account, however XXXX months later told me some of the checks were later lost and withdrew {$1500.00} from my account. Now I am required to figure out which checks were lost and I have to prove the checks were not honored and prove that Wells Fargo did not receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a mortgage with WELLS FARGO MORTGAGE. I asked for a loan m modification and was given the run-around. They seem as if they were purposely trying to make me loose my home. They tell you that you have to to be late before they can process a modification. Then while I think they were processing the modification, they were behind my back trying to foreclose. My mortgage was sold several times. it is a XXXX account. They keep adding fees that I do n't owe them to my balance. 
I bought my home in 2006 at XXXX I made my payments every month. 
the balance never seem to go down. This bank is not right

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this date.

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 2015-07-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am no longer in school, I am now in repayment. I called my lender about a repayment plan because they say on the website that if you 're having troubles repaying, call this number. I talked to the CS rep and she basically told me that I could n't get any repayment plan, even though I 've told her that I 'm experiencing hardships, because my co-signer may not be. When I told her that they were having troubles as well, she responded with, " we do n't know that. '' Why would I lie about something like this? I want to be rid of these people as soon as possible. This is the only lender who even brings the co-signer into the equation. 
First off, I did n't even sign a loan with them, because I know how they treat their customers and I did n't want to be stuck with them, but it was sold to them anyway. Then I asked her about repayment and the first words out of her mouth was you can try consolidation because we ca n't offer any long term forbearance options. I was n't even asking for long term options, I only needed about three months! I understand that they are n't governed by Federal laws but to completely ignore the needs of your customers is simply wrong. I would like to know how I can get my loan transferred somewhere else or learn of the regulations of private loan lenders because I feel that they are n't doing the very best that they can to help their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am being reviewed for a modification. The amount of information they need and the time frame that they are giving me to get it completed is not acceptable. I previously filed a CFPB complaint and was told my foreclosure date was moved to XXXX/XXXX/2016 However I need more time to get my tax documents together. I need Wells Fargo to understand this and GET OFF OF MY BACK. I have also filed a Qualified Written Request of which they have not provided exactly what I am looking for. 
Someone needs to call me NOW

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 2016-12-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo is still sending me letters saying my account with them is still open, even after agreeing to close it when they heard from your agency in XXXX. Their current letter, dated XXXX XXXX, 2016, says they need a social security number to close it, which I will not send. Their representative assured us weeks ago that this was taken care of. We did not open a line of credit with them, nor have we ever had any sort of account with them whatsoever.

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 2016-10-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
account was used under my name and wells fargo seems to be unwilling to get it taken care of ... charged me fees and made me make payments ... also continue to report to credit bureaus ... i 'm even wondering if I even applied for it after all the information that has come to light ... they will not asset or even listen.. they need to be investigated and find millions I know Im not the only XXXX to be singled out for them to be able to bill fees and take advantage

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 2015-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
A debt was incorrectly reported by XXXX XXXX XXXX in XXXX GA in the name of my daughter for unpaid rent. She had been taken off the lease by the apartment complex and the debt was not hers. She received repeated calls from XXXX at Amerassist AR Solutions. I finally had to get involved to fix the problem. The apartment complex is having the error corrected and several people at Amerassist are aware that it is an incorrect debt. I received another call this morning from XXXX at Amerassist. He refused to listen to anything that I had to say even though I told him I had been in contact with his supervisor to have the situation corrected. He told me it was my daughter 's debt and it would negatively effect her credit. I tried to explain the situation to him several times and he was extremely rude and unprofessional. I myself worked in the credit industry for 10 years as a manager and would not have my employees act this way to a debtor. If this is the way they encourage their collection agents to behave then there is a problem. Thank you.

Company response to consumer: Closed
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo closed all of their accounts with XXXX XXXX. This left all customers with a negative line of credit and a reduction of credit score ( for me ) of XXXX points. This damage has, no doubt, cost XXXX people XXXX dollars in damage.

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 2016-12-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I would like to clarify the federal government disclosure that reads At the bottom of page XXXX it states " XXXX fully understand that it is a federal crime punishable by fine or imprisonment, or both, to unknowingly make any false statements concerning any of the above FACTS as applicable under the provisions of title XXXX, United States XXXX, XXXX XXXX, et seq. '' Below the federal crime warning is a box for the XXXX 's signature. 

" XXXX fully understand that it is a federal crime punishable by fine or imprisonment, or both to KNOWINGLY MAKE ANY FALSE STATEMENTS CONCERNING ANY OF THE ABOVE FACTS as applicable under the provisions of title XXXX, United States XXXX, XXXX XXXX, et seq. '' Below the federal crime warning is a box for the XXXX 's signature. the box indicates that I signed the XXXX XXXX FHA Application number XXXX. The lender, underwriter and any other Wells Fargo XXXX went above and beyond to KNOWINGLY make FALSE STATEMENTS in each and every page of the Fannie Mae application. Once again, I will ask where 's my {$35000.00}? XXXX XXXX explanation contradicts what is clearly indicated on the Fannie Mae application. The appliaction states that there was {$.00} for the amount of mortgages and {$.00} for the total XXXX XXXX balances. I have never in my life come across such an egregious violation of Mortgage XXXX and XXXX XXXX in my entire 68 years on this earth.

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 2015-10-02 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliant Capital Management LLC
State: TN

Complaint narrative:
I specifically asked Alliant Capital management not to call my ex wife concerning my debt they did it anyway disclosing all my information to her.

Company response to consumer: Closed with explanation
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: MD

Complaint narrative:
My issue is that there are no regulations for how electronic checks should be processed. We used to have a checking account with XXXX and when we would make electronic payments through our bank checking account money would be debited on the date that the payment was being made XXXX if it was electronic XXXX or XXXX days prior ( if a physical check was being mailed ). All that sounds reasonable. When XXXX was purchased by Wells Fargo they changed the terms so that electronic payments were debited several days earlier ( 3 days ) and physical checks were debited XXXX days before they were to have been received. We complained to Wells Fargo as it was outrageous : They were taking money out of my account early and then earning interest on it for a few days before they sent it off. I might be willing to give them a little bit of slack if it was only for physical checks, but it makes no sense for electronic payments to be debited days before Wells Fargo was actually paying the bill. We switched our checking account to XXXX. They do n't do this. At least not right now. This behavior should be regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX we purchased a single-family home in XXXX Texas with an FHA insured mortgage from XXXX Mortgage. In XX/XX/XXXX to XX/XX/XXXX we were apprised that XXXX had sold the mortgage to Wells Fargo Home Mortgage. Earlier this year we were able to qualify for a lower cost uninsured mortgage, again sourced through XXXX Mortgage. The XXXX mortgage in XX/XX/XXXX required that we escrow the XXXX year of property tax and insurance, and escrow XXXX of the XXXX year 's property tax and insurance obligation each month. In XX/XX/XXXX when we procured the new lower cost mortgage, we should have received all of our Escrow Monies back from Wells Fargo. Wells Fargo did not return all of the escrow monies. 

Wells Fargo in phone calls say " you escrowed {$5900.00} when you closed on the purchase, so we based our return on that number ; however, by the time Wells Fargo purchased the mortgage we had increased the escrow by another at least $ XXXXIn fact, the Wells Fargo escrow statement shows that when they took over the mortgage in XX/XX/XXXX, the escrow was {$7100.00}. 
Despite their acknowledgement of this discrepancy they have NOT return the monies that are not their property. 
On a recent flight to XXXX I sat beside a former Wells Fargo employee who said Wells Fargo will try to keep some of the escrow money and the only way to get it back is to file a complaint with your bureau. 

Please help. 

Kind regards, XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have been denied a refinance on my primary residence because of a erroneous report to the credit bureaus by Wells Fargo Financial. I originally had my payments set up on automatic payment schedule but was forced to cancel because the payment was due to be withdrawn on the XXXX of each month and they were taking the payments out as early at the XXXX of the month resulting in overdraft charges. My management fees can not be collected until the end of each month and my Social Security check is deposited the XXXX Wednesday of each month. These withdrawals would have been covered on the XXXX of the month., The credit union refused the last withdrawal when I informed them of the issue and I sent them a check as soon as we were sure they were not going to attempt another withdrawal. They added late charges and add'l interest to my account. When I requested that the charges be reversed they refused but suggested I have the balance added to the end of the contract. I responded that ethically they should reverse the charges but if they would not then I agreed to have them add the charges to the end of the contract. After offering to do so they instead left the overdue balance on my statement and continued to add more late charges. After many attempt to resolve the issue I gave up trying and eventually they wrote off the balance. I paid all of the principal payments and interest to the end of the contract but they reported it as a " short pay '' which affects my ability to refinance.

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