vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I have had a loan with Security Finance for over 2 years now. I have faithfully paid and renew my loan multiple times. One day I called to see if I was renewable and was told by XXXX that I was renewable for over {$200.00}. I told him i would be in on my lunch break to renew that loan. When i got there, XXXX told me once i renew my payments would go up {$20.00}. We signed the papers and i got the money. One day I was not able to make a payment on time, so i decided to ask for my principal and remaining balance. XXXX informed me that my balance was over {$1500.00} for a {$1000.00} loan, and I asked how it was that high because i had made previous payments before calling. He then decided to inform me that back in XXXX when he told me I was renewable for over {$200.00} that my loan was actually increased and not renewed. I then informed them through SEVERAL letters that I would not be paying that loan because I came in on the assumption of renewing my loan and not increasing because I could not afford a increase at the time. I feel like they were obligated to let me know that they were increasing my loan and not renewing it like they told me on the phone. By them increasing my loan without me knowing and having me come in on a renewal assumption I do not feel like I am responsible for that. They should have informed me. They call me several times and day and they call my job as well. The last person that called my job from there was XXXX and he had the nasty attitude with me and wanted to know why i had an attitude because i sure didnt have one when i came to get the money. I then informed him that I had an attitude because they failed to inform me that they were increasing my loan and had me come in on a renewal assumption. I however am still not paying them whatsoever with this loan and they have ran my credit score to XXXX. Is there anything other than not paying them that I can do about this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I work at the National Credit Union Administration and Wells Fargo manages NCUA employees ' retirement accounts. On atleast 4 calls ividuals, I attempted with XXXX WF employees I insisted I want to get an online account ONLY for my retirement acct. I also have a checking account with with Wells Fargo that I insisted be paper only. Instead, Wells Fargo employees deliberately steered me to secure an online presence for ALL my accounts and wanted to then give me investment advice. 
I have since changed back my checking account to mail only.

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 2016-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo is denying a modification saying I do n't have enough to support a modified payment .Mt rental income alone would support a hypothetical modified payment of amounts owed estimated {$200000.00} in a 30 year note at a market intrest rate.XXXX.This is wrong this unit serves as my primary residence also and there is no where else to go.This entity is awful to deal with, they have expenses that are no longer valid and they have been informed of this and they had my income wrong, its more.

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 2015-04-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Current Mortgage Lender advertised a fixed loan rate on web site. We submitted a request for refinance analysis. Mortgage consultant contacted us, quoted even lower interest rate than advertised on web site. Confirmed our good credit rating ( we stated rating of XXXX, actual rating of XXXX ). Consultant requested we submit on-line application. We completed, and received finalization call-back from consultant. Rate increased from 3.75 % on 15-year fixed ( verbal quote ) to 4.25 %. Current rate as advertised on web-site prior to call was 3.875 % ( when we requested contact for analysis ). Rate today ( XXXX/XXXX/2015 ) on website for 15-year fixed refinance loan is 3.25 %. Concern over deceptive advertising ( bait & switch ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: APPLE RECOVERY, LLC
State: AZ

Complaint narrative:
On XXXX XXXX, 2015 I was contacted at work at XXXX from a debt collector rep named XXXX from Apple Recovery LLC. He did ask to verify my information before proceeding forward. I then told him about a minute and a half into the conversation to not call me at work again and during my work hours. Also to send me a validation of debt to my home address and I will contact him when I receive it. I verified my address. 
On XXXX XXXX 2015 around XXXX I was contacted once again from XXXX XXXX Apple Recovery LLC . I told him to not call again and I already told him before not to call at work. He stated he did not recall that conversation and wanted to speak with me so I can verify my home address. 
I contacted Apple Recovery LLC, explained my complaint and spoke to a supervisor. He stated they do not have my business phone number on file. 
I have a recorded phone call conversation when I told the rep to not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX we filed Bankruptcy and it was approved. We continued to pay our mortgage and the chapter XXXX was approved. After the approval of the bankruptcy we received a letter from Wells Fargo Mortgage asking us to reaffirm our mortgage. We went back to the lawyer who handled our bankruptcy and we were told that in NC we could not reaffirm a mortgage. At this point we did nothing. 

After the bankruptcy was granted we approached Well Fargo for a loan modification as we had a 6 3/4 % loan from XXXX. We were denied this request as we were current in our payments.We were told we would have to miss payments before they would talk to us. We stopped payments. Within XXXX months we got a call from WF about the payments at which time re requested a loan Mod, we were put in contact with that dept. and after time. denied a Mod. Back and forth for months and the foreclosure process was pu into process by WF. Meanwhile we are still working on the loan Mod. 

The house was due to be foreclosed on in XXXX XXXX?, we had XXXX weeks before we were out and a court appearance was scheduled. 

We received a letter from WF saying they would grant us a modification and we received paperwork. When we applied for the loan mod. we owed aprox. {$120.00} with a XXXX rate. and a {$1200.00} payment With the Mod. granted the new payment would be {$1100.00} at XXXX rate and a new mortgage of {$140.00}. We accepted as we did not want to loose the house. 

We had XXXX prior years with perfect credit and never missing a Mortgage payment on XXXX different Mortgages and WF bent us over the barrel and did almost nothing to help. 

Our only income at this time was S.S. with a combined net income of {$XXXX} with XXXX month Mortgage of {$13000.00} which left us with $ XXXX.to live on which is {$XXXX} a month of which {$XXXX} a month was going to medical insurance over and above XXXX. 

As for the loan modification request, we had to submit the application XXXX or more times as they kept lelling us they never received the paperwork and at the time we had the fax receipts to prove we faxed the documents. XXXX finally fixed the problem as someone had to sign for the package. 

All we ever asked WF for was a lower interest rate and we got nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I was a named party in a class-action suit against a former employer. My attorney was able to reach an individual settlement for the named parties, and I received XXXX checks for my share of the settlement. I deposited the checks into my personal checking account with Wells Fargo via ATM, and within the next week my account was locked as the checks were BOTH reported " confirmed counterfeit '' by the issuing bank ( XXXX XXXX XXXX ). This was back in XXXX. I called my attorney, and he checked with the other named party, and their checks went through just fine. 

I tried to have my attorney tell the defendant to cancel the checks and issue new ones. Well, it turns out that my bank ended up collecting the money from the checks even though they were confirmed counterfeit. So the defendant refused to issue new checks, since the money was withdrawn from their account. Fair enough. 

My bank refused to listen to me. I brought in the settlement documents, I called and spoke to the Manager 's Manager 's Manager 's Manager, still no luck. According to them, the defendant 's bank is STILL calling the checks counterfeit. They claim that the funds are in the process of being recalled back to the defendant 's bank account. Meanwhile, the settlement checks were reported onto my IRS transcripts, so I had to file an extension on my taxes until this whole thing gets resolved. 

Here 's my issue : Since XXXX, I 've lost my checking account, my savings account, and the few hundred bucks that was in my checking account when I deposited the checks. My auto insurance payment bounced, and then I had to pay that on the same paycheck as my car payment, and it took some time to recover. The funds are STILL in the process of being recalled, but I 'm still over here floating in the wind. Is there any way I can get this resolved? Is the defendant liable for these ( admittedly minor ) damages over the past five months? I do n't even care about suing for these damages, I really just want to get my proper settlement checks and resolve this issue for good. My attorney claims that there 's nothing more his firm can do to help ( he got his check ), but he suggested that I might hire an attorney to file a breach of contract claim against the defendant. 

I believe that the checks were reported counterfeit because the ATM faded out the ink on my larger check. I 've attached printouts of each check from XXXX 's own computer system. I 've also attached a copy of my attorney 's check, which is from the same account as my larger check. I 'm unable to make any progress with either bank, and I would rather not have to take any legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I am a member of Wells Fargo. I have noticed that on several occasions they would take the money out of my account only to put it back in there the next day. Example if I purchased a room on Tuesday they would take the money out and the next day putt the money back in the account. At first glance I thought that it was the merchant doing this, however, I was completely wrong. They did this with my phone bill and with my hotel purchases. They would take it out and put it right back in the next or same day. My checking account was over drawn in the amount of XXXX. That made my rent late, and my car note late as well. At first glance I thought it was me but it could n't be I only use my card for major purchases. Wells Fargo has taken my whole check saying it was nsf fees but how when I only use it for major purchases and deducte it from my account. I am appalled and vey disatifed. What am I to do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Fraudulent inquiries.

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 2015-12-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
in addition to these XXXX complaints I`ve already sent you : 1. # XXXX ; # 2. # XXXX i went into a branch wells fargo branch in XXXX, al the teller`s name was XXXX, she dined me access to her card. she told me that i could not withdraw my remaining balance @ wells fargo in the amount of {$430.00}. this bank is illegally holding my money/funds from me, when i have had no access to swipe thier bank card for over 5 days now! they are illegally holding my funds from me! they also told me they were going to close my bank account & keep my money! thieves!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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:
I wanted to stop payment on a filthy hotel room and could not

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My brothers and I have CD 's left by our father that were purchased from Wachovia in XXXX Georgia back in 2007. When he pasted away a few months ago, we went to Wells Fargo XXXX knowing Wachovia was bought by Wells Fargo XXXX to collect on the CD 's, they said there was no records of the XXXX accounts. Wells Fargo told me that CD accounts should have transferred over to their system, but my father 'might ' have cashed out the CDs a few years ago, and that 's why it 's not in their system now. 

We 've asked Wells Fargo to please provide us with some sort of record that the CDs were cashed out, but they are not able to provide us with anything, saying again they show no records of the CD accounts. 

My brothers and I still have the documents for the CDs, with account numbers and purchase date from Wachovia, but we are wanting to know how do we find out if the CDs were REALLY cashed out, or if accounts just went to another bank when Wachovia was bought out. Please let us know if the account number, or copy of the CD documents are needed. 

Any information will be much appreciated. 
Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I initiated a refinace of my home in mid XXXX, I was given a virbal quote of {$2800.00}. When I got the Good Faith Estimate it had a figure of {$7400.00}, which I questioned. I said if it was that expensive I was n't interested in the process. They explaine that it was a high estimate and it would be less when the current loans escro was returned. The process went through but not with out issues. The XXXX question I kept posing to the loan officer was what would happen to the escro on the old loan. They kept telling me it would be returned once the old mortgage was payed off. Well, all is complete but I found out yesterday XXXX/XXXX/15 that the escro was not going to be returned to me. The escro, along with my last mortgage payment on this loan was used to pay off the fees and the costs of paying off the old loan. Out of {$2900.00}, I was only getting back {$670.00}. I was never told about this, never saw it in the Good Faith Estimate, or the Hud Statement or never had this told to me and never recieved any written information with a detailed break down of these charges. At this point I still am unsure how this happened. I have called the bank, the XXXX XXXX people I talked to were very XXXX with me and acted like the bank did n't need to tell me any thing. The XXXX person listened to my complaint, told me she would call me back the next day but I have heard from her. The final cost to refinace my house is at {$8500.00}. One hundred dollars above the original Good Faith Estimate. They do n't seem to want to talk to me. XXXX final though, the bank told me that both the bank and the title company requested clearance to use the escro of the first loan to pay off fees and expensis for that loan. So they also could have mentioned something but did n't even though I questioned them at the closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a phone call from some calling from XXXX XXXX telling me they had a package to be delivered to me at my place of employment, so i asked for the information about who and what it was. They informed me that it was from a lawyers office and they gave me a phone number and a reference number. I called the number and was told it was from Wachovia and that i owed a debt from XXXX on an over drafted bank account. I have no knowledge of this account. I went to the bank and also called their XXXX number looking for information. They said they had no information on me. I then asked the lawyer who called for info and was told she could not release it to me. She did give me a supposed number for Wells Fargo XXXX ( XXXX ) which only said they sold off my account and had no other information. They gave me a number to who they sold it to, I called and was told it was sold off again and then again. Called back the lawyer and they just got upset and said they will see me in court. They said i have until XXXX XXXX, XXXX to pay the settlement amount or i will go to court and pay thousands of dollars. Now i am freaking out because i am unsure of what this is and i do not recall ever having a Wachovia account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In XXXX of XXXX, I took out a 12 month interest free loan from Wells Fargo to purchase furniture. I immediately set up automatic payments to pay about {$500.00} per month on the loan. Then in early XXXX, XXXX I called Wells Fargo to get an accurate pay-off amount to avoid over or under paying the loan. The representative told me the interest free period ends in XXXX and to contact Wells Fargo at that time to pay off the loan. I contacted Wells Fargo on XXXX XXXX to get the pay off balance. They told me the interest free period expired on XXXX XXXX and that I owed the full {$4000.00} in interest accrued for the entire year ( 27.99 % interest rate!! ). I explained that I called in XXXX and wanted to pay it off then and was told to wait. I told them to listen to the recorded phone call. They ignored me and then offered to take off {$2000.00} of interest only if I paid immediately. I declined and the representative said it would go into dispute and threatened that interest would still be charged up to 60 days more. Based on my phone records, it is obvious my intent was to pay off the loan to avoid interest charges. I have a high credit score and have no problems paying off the loan. What are my options?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I obtained my credit report and It shows I have a debt of {$110.00}. I had a zero balance on this card and I thought the card was closed. I called to try and dispute the debt. I got in contact with XXXX ... I just wanted the information to dispute the debt. I told him that I am recording the call also and he hung up in my face. I called back and received XXXX again to dispute the file. He said that I came to them for the card and that is the reason that I ca n't record him. I asked for his XXXX and he said no. If I did n't like the rules he can forward me to the XXXX vice president and I can complain to him. I am disputing this debt and I asked him for the information in which to dispute the debt.. He hung up in my face again.

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 2016-09-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
As a background summary, I had an issue with fraudulent charges on my account and getting the matter resolved in a timely, effective manner. Due to my complete disgust with Wells Fargo 's handling of the matter, when it was finally resolved ( on or around XXXX XXXX, 2016 ), I demanded that my account be closed. I was told that it was and I confirmed this by logging onto the institution 's website approximately 3 days later and confirming that the account was removed. 
On Thursday, XXXX XXXX, 2016, I received an e-mail that my Wells Fargo statement was available for viewing. While the balance was {$0.00}, someone re-opened my account. I believe this is related to the checking account scandal. I do not know if this type of activity ( closing and then re-opening accounts ) was included in your investigation. If it was not, it should be. 
I have notified Wells Fargo of ( a ) the re-opening of my account and ( b ) my filing a complaint.

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