vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am the parent of a previous college student who applied for and was given several student loans by Wells Fargo to attend the University XXXX. I was asked to co-sign the student loans which I did. The loans varied in amounts - usually around {$10000.00} - and the interest rates also varied but averaged about 8 %. 

In about 2013 or so, there was public outrage over the high interest rates that college students were being charged, and so Wells Fargo contacted ME to see if I would be interested in consolidating my son 's student loans with a much lower interest rate. I said of course I would. So with the understanding that everything besides the interest rate would basically be the same - the outstanding amount, the term, and the fact that I would still be a co-signer guaranteeing the loan - I signed and returned the documents that were sent to me. 

During the early years of the loan, my son was still a student and had no source of income. So I paid the entire monthly balance myself. For about two years after he left college I continued to make the entire payments since I was the co-signer. Because I was not the student, however, I was not entitled to any income tax deduction for the amounts that I was paying. 

In the last year, my son has become employed and is now capable of making the student loan payment payments himself and receiving the income tax deductions. So I contacted Wells Fargo and asked that the request for the monthly loan payment be sent to him instead of me. I knew I would continue to the be the co-signer and guarantee the loan, but he now needed the income tax deduction for the payments he would be making. Wells Fargo responded back to me saying that when the student loan was consolidated, I agreed to be entirely responsible for the loan and that my son was no longer responsible for payment. 
I told them that I NEVER agree to be totally responsible, especially for a student loan where I was not the beneficiary ( the student ) and for which I received no income tax deduction for my payments. After discussing this with the Wells Fargo Student Loan people for several weeks, they would not budge and will not recognize my son as the legitament holder and beneficiary of the loan. He was the student, not me. He is entitled to the income tax deduction for payments, not me. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Well Fargo is my mortgage provider and I am victim of flood happen in XXXX XXXX. As of result, I went to court in XXXX XXXX, XXXX because Wells Fargo was try to foreclosure on my home due they discrepancy of accuse me of payments on home loan. I show the judge in court that my home was damage from flood and it going to cost {$15000.00} in repair. I fault Wells Fargo for the following reason 1. Fraud me and government agency on amount of money I owe. In court Wells Fargo shown document that I owe {$23000.00} and I have document from SC help.gov stated that I owe {$46000.00} in back payments on my mortgage. SC help.gov is state government plan funds programs to help homeowners stay in their home. 
2. Wells Fargo has just as much rights to protect my home as well as the home insurance company does, but refuse to release insurance funds to repair the home. 
3. Wells Fargo has false documents about my loan, because on court documents their name is not the mortgagee provider. XXXX XXXX XXXX is the one on the documents rather than Wells Fargo, which is falsify court documents. 
4. Default on my home mortgage is wrong because of governments ' funds programs which are in place for help homeowner to stay in home is wrong. Wells Fargo has not give me or show the court what I owe and can explain why I could not get approve for modification loan on mortgage. I went through XXXX to get help me with approval for loan modification, but Wells Fargo keep telling me and them that I am not approval. In the same time, take the money put me back into foreclosure statue.

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 2016-09-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have had a credit card with Wells Fargo for several years. When I first got the card, I had a 9 % interest rate. The company raised my interest rate to 17.4 % currently, antold me that it was due to a late payment. I went back thru several years of payments and never found documentation of them receiving a payment late. I complained to the better business bureau, and all that occurred was that Wells Fargo sent a document stating that I was paying the higher rate with no proof of late payment. The balance of my credit card has been quite high over the past couple of years due to my involvement in a civil law suit that has cost more than {$20000.00} in attorney 's fees. Subsequently, I have been charged an inordinate amount of interest on this account and I did not agree to such a rate, nor did I pay Wells Fargo late, thus justifying their increased charges. I have documentation of my timely payments over the past couple of years as well as copies of my complaint to the XXXX. My credit rating is over XXXX and there is no record of my paying my credit card late on my credit report either. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: J.S Resolution Group, Inc.
State: TX

Complaint narrative:
Collector is trying to collect {$680.00} on a debt for XXXX XXXX XXXX. The collector is J.S. Resolution Group. The amount of the loan is only {$500.00}. I have been threatened to have legal action brought against me with or without my knowledge. This account is not owned by J.S. Resolution Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Our furnace went out and XXXX company approved us over the telephone for a Wells Fargo credit card. They fixed furnace and the we paid more than the minimum each month and when the balance was down to about {$1300.00} they charged us {$1000.00} in interest. They claim it was a " deal '' they offered of XXXX no interest if paid in full. Even though the balance was {$1300.00} at end of 12 mos they charged over 28 % interest on the highest daily balance. We were never told this by Wells Fargo or the XXXX XXXX. We asked Wells Fargo to remove the interest charge and we 'd pay off the balance. They said no and so sorry. This is predatory lending at it minimum and outright fraud.

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 2016-09-13 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 attempted to open an account online with Wells Fargo on XXXX XXXX, I completed the necessary forms and also authorized them to take {$500.00} from my XXXX bank account to fund the new account. On XXXX XXXX I was advised that I was approved and that my new debit card had been mailed. On XXXX XXXX the {$500.00} was taken from my account by Wells Fargo. On or around the XXXX I received my new card. On the XXXX I tried to activate my new card by phone and was told that the card number could not be found. After several calls to various divisions of Wells Fargo I was told that my account had been closed as a result of a business decision by the bank and that since the account had not been funded the account was automatically closed. I provided the transfer information that I was given by Regions including online tracing numbers and the Wells Fargo Co ID. I spent 3 hours on the phone with Wells Fargo on Saturday and in the process was able to file a complaint and was provided a Case ID # and a number to call yesterday to find out the results of the investigation. I called back yesterday and today and they still say they do not have the money. Thus far I have spent 5 hours on the phone with the bank to retrieve funds that were not to be taken out of my account until the account was operative. They removed the money, closed the account 5 days later and now say they do n't have the money. I just want to know what to do.

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 2015-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo refuses to refinance existing home mortgage loan under HARP guidelines. Mortgagor again called Wells Fargo Home Mortgage ( XXXX, spoke to representative named XXXX ) on XXXX/XXXX/XXXX, and Mortgagor was not permitted to initiate refinance application under HARP guidelines because Wells Fargo Home Mortgage is not yet ready to implement new RESPA requirements -- according to WFHM representative named XXXX. Mortgagor requested XXXX to put verbal statement in writing to Mortgagor. 
Mortgagor in good faith attempted to refinance existing mortgage loan XXXX times since XXXX, but Wells Fargo Home Mortgage sabotages every application by requiring unnecessary qualifying documentation, low valuation property appraisals, and high conventional closing cost projections. Mortgagor paid {$210000.00} for mortgaged property in XXXX, put down {$42000.00} cash, reduced outstanding mortgage loan balance from {$160000.00} to {$130000.00} and invested more than {$50000.00} in property improvements. 
Wells Fargo Home Mortgage has stonewalled every complaint filed by Mortgagor. Wells Fargo Home Mortgage has made false statements about Mortgagor 's excellent installment payment history. Wells Fargo Home Mortgage can not produce required documentation such as signed Uniform Residential Loan Application from XXXX. Wells Fargo Home Mortgage has manipulated mortgage loan from being non-conforming to XXXX approved in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me. 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

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: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
This may also be a credit card complaint. I was issued a credit card over two years ago from a Wells Fargo branch that I did not authorize in any way. The teller asked me if I wanted overdraft protection on my account since my husband had it. I said sure and went along with my banking that day. When I received a card in the mail asking for activation I immediately contacted the branch and made a complaint. Action was taken with the employee and I never authorized my card. In XXXX 2015 my husband was reviewing our accounts and found that we had a late payment for about {$500.00}. This was stressing because we are very much on top of our accounts and have over XXXX credit scores that are very important to us and our business. We went into the same bank branch to determine what happened and it turned out that we overdrafted money one day when we made a withdrawal just before we deposited more money. This kicked in the overdraft credit card that I never authorized or even knew we had. We immediately took care of our charges, and asked the bank to remove the financing charges and any impact this would have to our credit. They removed the financing charges and we wanted to close the card, but they said it would impact my credit score. This seemed really unfair because I never approved this card, found out two years later it existed, and now ca n't close it without a negative impact on my credit. We had multiple conversations with the branch manager and it was moved up to the highest level of Wells Fargo, or at least that is what we were told, when they denied us the opportunity to close the card without a negative impact on my credit. I am reporting this in full as a complaint on the issuance of the card and the bank handling correcting a mistake. This has taken over six months to get the decline from the executive level of the bank and many hours of frustration as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Account ( -XXXX ) was paid in full on XX/XX/2017. This account was a 0 % interest until XX/XX/<YYYY> On XX/XX/2017 account was closed and balance was transferred to another account ( XXXX ). Because if this I am being charged {$2800.00} in interest that was deferred and a {$27.00} late fee for non payment on this new account ( XXXX ). 
I was never informed that they were going to transfer this balance to another account. 
Tried to contact by phone and after 30 minutes on hold I gave up for 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 monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Well Fargo is charging me XXXX in just overdraft fees. Why does a billion dollar company which continuously denied my transactions think they deserve to collect money for denied transactions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX filed an order through the XXXX to withhold funds from my bank accounts with Wells Fargo. Wells Fargo removed funds from XXXX of my checking accounts and my savings account leaving me with a zero balance in all of them. The amounts that they withdrew are : XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$740.00} from my Way @ SAVE checking accouns ; Expand XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$410.00} from my At Work Checking and ; XX/XX/2017 LEGAL ORDER FEE DEBIT CASE # XXXX {$120.00} Expand XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$62.00} from my Savings account. 
On XXXX @ XXXX a judge ordered a garnishment exemption which was faxed and mailed to Wells Fargo. They have not returned my money to me. I have spoken with them on XX/XX/2017 @ XXXX for XXXX min and XXXX seconds ; XXXX for XXXX hr and XXXX min ; and XXXX for XXXX min and XXXX seconds. On XX/XX/2017, I spoke with them again @ XXXX for XXXX minutes. On that day I also went to the Wells Fargo Branch @ XXXX. XXXX XXXX and spoke with the branch manager, XXXX. She later called me and said that there was nothing she could do to help me. On XX/XX/2017 I spoke with them again for XXXX for XXXX hr and XXXX minutes. On XX/XX/<YYYY> I spoke with them @ XXXX am for XXXX minutes ; @ XXXX for XXXX minutes and @ XXXX for XXXX minutes. Today XX/XX/2017 I spoke with them @ XXXX am for XXXX minutes and @ XXXX for XXXX seconds. Some of the time was time I was on hold, but each time I was told that there was nothing they could do. They advised me to call the court. 
I have spoken with the above mention court on XX/XX/2017 for XXXX minutes ; XX/XX/2017 for XXXX minutes ; and today, XX/XX/2017 for XXXX minutes. I have also visited the court in person and each time they tell me that a check was never received and there is nothing that they can do. I asked them to please call Wells Fargo to let them know that the check was never received, but they wo n't. I asked Wells Fargo if they would call the court to ask if the check was received and they wo n't. I also asked Wells Fargo if they could provide me with the address that they mailed the check to and they said that they did not have that information. This was their legal department. 
Needless to say, I am getting nowhere fast. I am a nurse and I live pay check to pay check. I have had several insufficient fund fees charged to my account in addition to the money being held by the bank. I feel this is very unfair. Please help me resolve this. Wells Fargo is way to BIG for me to get anywhere with. I am attaching the court papers. Thanks, 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 2016-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
Received a letter from Cash Net USA saying I owed them money for an account I had with XXXX XXXX only account I ever had with XXXX XXXX was a home mortgage that I closed out in full ( per credit report ), XX/XX/XXXX. I talked to a representative named XXXX from Cash Net USA ( on XX/XX/XXXX XXXX CST ) in regards to this matter and was asked verification questions which did not match me.She asked if I was contesting this debt and I replied " Yes '' .She then steered me towards getting a credit report, which I did.My credit report shows no debt 's owed to XXXX XXXX .

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
INTEREST IN BOTH ACCOUNTS DID N'T MAKE SENSE ON WHY IT DID N'T CONTINUE TO DECREASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My credit bureau report shows me being late with my primary Wells Fargo loan and a second lon as XXXX being late./ This is an error. I was late as indicated in my file for the second loan but the first mortgage loans was always on time and was not late. How do I have this changed? I 've written to the bureaus on-line but have never received a response back.

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 2016-11-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I sent in XXXX checks to Wells Fargo Educational Financial Services. They only cashed XXXX check and when I called to ask about the status of XXXX check they were less than helpful. The first lady that i spoke to first blamed me for putting XXXX checks into the same envelope.Then after a few minutes of that blame-game, she blamed me saying that i sent the XXXX check to the wrong address ( which is impossible because they were XXXX in the SAME envelope ). I told her how they were XXXX in the same envelope and she continued to blame me. When i asked her how Wells Fargo was going to fix their error all she could respond was " I Do n't Know, maybe put a stop payment on your check and send in a new one TO THE CORRECT ADDRESS ''. So i ended the phone call with her and called my bank to start the process of doing a stop payment. Only problem is it is {$25.00} fee for a stop payment. It was upsetting that Wells Fargo wanted me to spend {$25.00} dollars because of their error, it was unacceptable. I called Wells Fargo back to speak to another representative about how the problem will be handled and if Wells Fargo does reimbursements for doing a stop payment.The second rep was a lady named XXXX, she could not find my check either. She then spoke to her manager and let me know that they have a " Mail opening machine '' and " It is not common, but also not unheard of that the machine will remove multiple checks, scan one in and then shred everything in the envelope, leaving no trace of the XXXX check ''. Which means that you have no way of proving to them that you made your payment on time or even early. I think it is very irresponsible of them to lose a check because they penalize and give late fees for their error. In the long run this could affect your credit score, the minimum payments remaining and just a terrible situation.

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