vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX, I sent a letter along with a check to XXXX XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX XXXX Bank on XXXX XXXX, 2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX XXXX, I then spoke with XXXX XXXX on XXXX XXXX, 2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.

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 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX 2007 my wife and I took a 30 year mortgage against our home from Wells Fargo Bank the loan was originated in an " off site '' office location. My credit was very poor my wife 's credit was very strong the agent advised us to use my income as my wife 's income we questioned this, he said we would be fine it 's done all the time. The interest rate is 7.95 % APR we are struggling financially. We were told by an attorney to reach out to the CFPB for support as he felt he falsified loan application at an offsite location may be something that needs to be addressed

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 2016-04-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo a credit card by mail that was never received back in XXXX of XXXX. 
I called and informed them that I had not rec 'd card and the informed me that they would expedite and resend another card back in XXXX XXXX, and I rec 'd new card but have yet to use card. Now in my recent XXXX credit report I found that Wells Fargo has report my account past due for {$16.00} that they claim is a XXXX fee they charged my account for expediting my card that got lost in the mail. The Fraud representative I spoke to stated that he will pull up the recording and If I am correct I will have it removed, but refused to give any written confirmation to me, rather he told me I would have to wait and see next months statement to see if charge was removed, without any further explanation or assurance of outcome confirming their internal investigation. 
I is absurd that anyone would accept this explanation as it is my credit they are reporting as in default and waiting another 30 days would make this matter more en-grievous as it would be further in default without any explanation or transcript of conversation from their internal investigation. I request that an investigation be started by XXXX credit reporting agency, and I have advised them I did not authorize charges, and requested late charge accrued be removed as well. Still waiting.

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 2016-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Non-Compliance with borrower 's notices. Wells Fargo and it 's Legal counsel has opted not to respond with an " acknowledgement '' of HAMP request made on XX/XX/2016. As per the HAMP Rules 3.4.2- Servicer 's must develop and implement written polices and procedures to provide notification to their foreclosure attorney/Trustee regarding a borrower HAMP status, including whether the borrower is potentially eligible for HAMP. 
HAMP Rules 4.5- Within 5 business days following receipt of any component of Loss Mitigation Application, the servicer must " acknowledged '' in writing the borrower 's request for HAMP participation by sending the borrower conformation that the Loss Mitigation Application has been received and inform the borrower whether their application is complete or incomplete ( acknowledgement ). 

As of XX/XX/2016, Wells Fargo or their Legal team XXXX, XXXX XXXX XXXX, have failed to provide me with any notices regarding our HAMP request. Be advise that their legal team have engage in other criminal matters pertaining to the XXXX Judicial Circuit in connection with the foreclosure action that will only be shared with the Office Of The Internal General. We ask that you sanction Wells Fargo for failure to provide me with notices regarding the HAMP 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 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I spoke with a wells fargo agent explaining details on modification. I was told By XXXX on a recorded line that it will take about 2 weeks. I submitted all the informatyion immediately. XXXX was slow and not returning calls promptly. after 4 months and so many calls to them. My loan was modified. I made payments XXXX       , XXXX, XXXX and every month after.
I was never late before the modification. I ask them to correct my credit ratings. It has been showing for months XXXX. XXXX, XXXX , XXXX, XXXX, XXXX, XXXX and XXXX!) XXXX all 30 then 60 then 90 days past due.
They will NOT make it correct.
I was lied to and then they ruined my credit!
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo Home XXXX XXXX Credit Card Program payment calculation is deceptive beyond belief ( it is so complicated it is hard to explain it all ). We used their charge card in XXXX for windows at 0 % for 60 months no interest if paid off after 60 months. The payment was divided among 60 months. In XXXX we added a charge for Blinds that was 0 % for 12 months. What they did not explain is how the payment was calculated for the XXXX different terms. We paid every payment for every charge on time until the last charge. We did not realize that the term was slightly different for the 12 month term. The 12 month " special rate deal amount was deferred interest, Wells Fargo only billing the minimum payment not dividing into XXXX equal payments which we would have paid off after 12 months. Instead the charge ( minimum pmt ) was combined with the 60 month term, but the statement did not show what was getting paid, as it is not separated on the bill. After 12 months it was n't paid due to misunderstanding the terms, therefore we were charged the entire year of astronomically high interest. Not only did it leave a larger balance than anticipated, but the payoff for the 12 month term was only giving the amount for that charge and did n't add in the payment for the 60 months. The interest rate immediately jumped from XXXX ( as if that is n't high enough - since our credit score is in the XXXX range ) to the 28.24 % If we had realized and paid the entire amount, we would then be short for the 60 month term because that amount is listed in small print in a separate sentence, so technically we 'd be in default on XXXX payments. The online payment option makes this very easy to overlook because you need to open the statement to realize that the Special Terms balance is due. The charge was put in my name, but my husband was paying the bills. You need a computer accounting program to figure out how the Wells Fargo bills the charges. Wells Fargo said it was up to the merchant to explain the credit card terms. We always make our payments on time and we even got caught on this XXXX. I would recommend never adding XXXX different terms to the same account. We paid off the balance today and will never, ever use Wells Fargo or any other " Big Bank. '' We are so upset because this is pretty much close to scam as far as I am concerned. The amount due to avoid interest should be on the front page with the bill, not on the second page in a paragraph format.

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 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I 've been with Wells Fargo XXXX XXXX California since its 2010. There 's always been issues with my account money missing. I spoke to somebody and they had excuses for different type of fees that I did n't understand. Now it makes sense I am outraged and disappointed have a good take advantage of a single mother of XXXX kids my daughter overcoming XXXX and I 'm on a strict budget.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear XXXX XXXX I appreciate the letter Dated XXXX XXXX, XXXX As we have been working on lien release for almost two years Wells fargo has reconvened liens for another property not related The judgement listed in the attached title report is unrelated to mortgage listed in Wells Fargo letter received - related to another mortgage. 
The money judgement is not related to XXXX XXXX XXXX - see title report For the record - XXXX XXXX XXXX in fact did receive a check from Wells Fargo - see entire account history XX/XX/XXXX-XX/XX/XXXX, however I agree should not have. 
XXXX XXXX XXXX request for funds are not related or connected to this matter. 
Recording XXXX in Wells Fargo letter XXXX XXXX, XXXX. 

I located the court record and provided to Wells Fargo in XXXX to confirm entirety it is a Wells Fargo judgement. 

With your assistance I would like to avoid reopening bankruptcy to request to avoid lien - I have receive all other liens from listed creditors except Wells fargo. 
Wells Fargo can go to court website and review case summary - XXXX XXXX XXXX is not associated with this lawsuit. 

XXXX XXXX has Wells fargo listed as below A certified copy of a judgment or an abstract thereof, recorded XXXX XXXX, XXXX as Instrument No. XXXX of Official Records. 
Court : Case No. : Debtor : Creditor : Amount : Superior Court of California , County of XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank, N.A., a National banking association, c/o XXXX XXXX XXXX, XXXX {$7500.00}, and any other amounts due thereunder

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 2015-12-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My mortgage specialist will not return my calls from wells Fargo.They seem intent to continue to foreclose without answering to my concerns .Borrowers with less of a circumstance have modified I am deserving of responses to my left messages

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AZ

Complaint narrative:
I received a call about a week ago regarding a bill from XXXX that I truly believe was taken care of months ago. I requested a validation of the debt because of this and the collector refused. I continued to ask for validation and why he could n't provide it. He became very heated and argumentative at which point I ended the call as I was not going to tolerate the yelling. 

He immediately called me back and said " our call must have been disconnected '', which clearly was not the case. He continued to be loud and argumentative. He then indicated that he was marking my account as refusal to pay ( even though I have not refused to pay ). I told him to do what he felt he needed to do, but since this was n't the case I needed to speak to a supervisor. 

This supervisor was made aware of the issue and that there was at least XXXX FDCPA violation. He indicated he was going to review the call recordings, speak with quality assurance and take the proper steps to rectify the situation as well as request a validation of the debt. He was to get back with me regarding the situation, but no call or letter was received to this effect. 

Fast forward to today, I get a call from another bill collector ( same company ) and he indicates there are no notes about this previous call having issues, no request for quality assurance to review and no indication that I made claims of FDCPA violations. I request to speak to his supervisor to verify this information and I spoke with XXXX who was very nice, but did indicate the only thing notated was that i requested a bill from them. He indicated he was going to take action on this, but still tried to collect the balance on the bill. I know they need to ask, I worked in collections for 10 years. It just seemed slightly inappropriate given the circumstances of why I was speaking with him. 

Thinking further, they also did not do anything to truly verify I was who they were looking for. Granted my name is quite uncommon, they just asked if I was so-and-so and did not request I verify an address or date of birth or anything of that nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am the cosigner on a Wells Fargo student loan that was taken out by my niece to finance her XXXX degree. At the time of the application, I wanted to be sure I was n't signing up for a long term commitment. I was told before any documents were signed that after two years, I could apply to have my name taken off the loan, so long as there was a history of on-time payments. I felt that was a bit excessive, since in most cases a cosigner can be removed after one year, but I wanted to get the loans consolidated with a lower interest rate. Silly me. 
At this time, it has been over four years and I am still being held hostage as a cosigner, even though the payment requirement has been fulfilled for longer than required. Additionally, although I am held responsible for the loan, Wells Fargo will not provide me with any information regarding disposition of the loan, everything must be channelled through my niece. She is also the one who must apply to have my name taken off the loan, which is not the way it was presented to me. It apppears Wells Fargo has stacked the deck so that I will never be removed as a cosigner, though that is n't the way it was presented in the beginning. 
The loan is serviced through payroll deductions, so it 's not as though a payment will be forgotten or missed. If a borrower has a record of repayment this long, I would say it 's a pretty safe bet that the necessity of having a cosigner is a moot point, and Wells Fargo should honor their promise to remove my name from the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have an installment loan in which payments {$210.00} are deducted bi-weekly. I had a loan payment which was due on XXXX XXXX 2015, however, my paycheck was deposited early and I wanted to make sure that the loan payment was made. I spoke with an agent on XXXX/XXXX/2015 to arrange payment for the XXXX/XXXX/2015 payment which was subsequently deducted from my account on XXXX/XXXX/2015. Today, XXXX/XXXX/2015, I noted that an additional charge of {$7.00} drafted from my bank account. I contacted the company and was told it was a fee for paying early. I was at no time advised of this while making the early payment. I was also advised that a rebate offer that I used when initially applied for the loan would be voided because I made a payment a few days early causing me to incur an additional charge of over {$80.00}. I was never made aware of this when making the payment a few days early and only made the payment to prevent any issue with timely payment since the XXXX holiday was coming up. I should not be penalized for trying to take care of my obligations and ensure prompt payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Unfortunately, I have to submit another complaint because there has not been any responses from Wells Fargo to me directly since I filled the initial complaint. In my last complaint WF stated that they provided me with a partial response and that they 'd need 60 days to investigate. They have not provided me any additional information regarding my case. XXXX XXXX XXXX contacted in response to my initial complaint and said she 'd follow up and call me back. I have not heard from her since. I have tried to contact her numerous times, but without success. It appears WF is intent on letting the property go into foreclosure sale next week and yet give the impression they are working with me and need 60days to invstigate. It ca n't be both ; either one way or the other. I believe this is a violation of my rights as a homeowner who is facing foreclosure. This is on the CFPB website regarding protections for homeowners that are experiencing problems and possibly facing foreclosure. WF has violated each of these areas : Strong Protections for Struggling BorrowersRestricted Dual-TrackingNotification of Foreclosure AlternativesDirect and Ongoing Access to Servicing PersonnelFair Review Process : No Foreclosure Sale Until All Other Alternatives ConsideredWIll someone take up our case?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I tried to make a purchase on XX/XX/XXXX from a specific website. The website is XXXX based so my account was immediately blocked. The transaction timed out and did not go through from the website. I did n't receive a receipt or confirmation so I went online to my bank account to check and saw this : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/2016 PURCHASE XXXX XXXX {$88.00} The funds are in pending status. I called Wells Fargo Claims XX/XX/XXXX and spoke with a rep who said that there was nothing he can do about releasing the funds because it is under Pending status. He advised to call the company to have them release the transaction. 

I emailed customer service at the company and this is their response : Hi dear XXXX Thank you for contacting the XXXX. 

Unfortunatelly we do not find any information in our system with the email : XXXX. Can you please send us a proof of the payment? 

I am very happy to help! 

Kind regards, XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXXXXXX The company above does not have phone customer service. I provided the transaction details through copy and paste like the above to the company 's rep in response to them. Still waiting to hear back. 

I tried calling Wells Fargo Claims department directly since that time XX/XX/XXXX. 3 days has passed since I tried to make the transaction and I 've had to wait up to 20 mins or longer and have been unsuccessful with getting anyone on the phone. The Claims department at Wells Fargo is unwilling to release my funds back to my account and there is no way to reach them. I 've tried calling 4x now and each time waited 20+mins and no one answering. This is unacceptable service from a large bank.

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