vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
While I asked questions regarding to my mortgage and checking accounts on the phone with Wells Fargo, they promo their " Rewards '' credit card and I got transferred to application dept. 

After I applied the credit card over the phone, I never received the credit card. One day, I saw there are a balance of XXXX {$7600.00} on my credit card account ( which I never received, activated or used ). I called there representative and they filed the claim to their Fraud dept. and update my new address and also cancelled the old card and send me a new one. 

After a week, I got the new card but I do not want to activate it until the problem resolved. So I checked online and saw the balance of XXXX {$7600.00} still there. I called their Fraud dept. and found out they denied the claim and they said I was using " Home '' ( fake ) phone number XXXX to activate the credit card ... I told them that is not my phone number. They said that what they have on file and ask me to resubmit a claim through another department called " Reconsideration '' dept. That take another 10 days to allow Fraud dept. to work on a new investigation, they suggest me to pay the balance. I feel very frustrated to deal with their depts ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo in XXXX Texas-im a XXXX for 15 yrs doung business banking with only them- XX/XX/XXXX I had ti cancel my Business cking acct. due to fraud and identity theft! I then try to apply for a personal loan and was denied fo to " information from a XXXX party ''! at the same time of my application being reviewed, the banker proceeded to open a cking and a savings acct in my name after i told him i did nit want a personal ck acct with a debit card or a savings acct, and not only would i nit receive the alleged debit vida card, becsuse someone had changed my mailing address over 10 times, He says to me " i will hv it sent to me personally here at the branch ''! I honestly thougt he was joking! Until i was denied a personal loan fir XXXX when clearly they knew my income because they were my proof of income from my business cking acct that i had to close but was reasured that a fraud claim would be opened and taken care of once i had an opportunity to go through XX/XX/XXXX statements and receipts. I then received a statement weeks later of my New Cking acct and savings acct that i never opened nor received a denit card to!!! Mean while the business cc that was maxed out that was attatcged to my old business cking acct that i had to close do to fraud, They sent me a lettter in the mail Canceling my card completely with no warning or reason! My credit is now lower than ever before and they broke the law! i hv yet to go inside the branch to speak to the loan officer who took a week and and a half to deny me credit! He stated " your loan number is So long it just takes me forever yo continuously type it in ''!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have been making my monthly mortgage payments on time every month. This was done until XXXX of 2016 when I had to get XXXX tires and have some front end work done on the vehicle. Just one week later my vehicle was hit and I had XXXX witnesses. The next day I was informed by my insurance the car was totaled. I was given just 3 weeks with a free rental car. Now I have to walk. In the mean time I am showing that XXXX XXXX at Wells Fargo ( XXXX ) will not make a payment out of the money in unapplied funds. Currently there is {$2100.00}. This is confusing to me as when I made a payment of {$1500.00} earlier a payment was deducted and the remaining money went to unapplied funds. Once XXXX got involved the money sent in was put as unapplied funds. This means more interest to me and she is messing up my payment schedule for the credit bureau. Not fair. 
To me all was fine until she got involved. To me she should not have gotten involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I applied for a loan for on XXXX XXXX, 2015 for {$420.00} providing correct information that I was paid on a monthly basis on the XXXX of the month and the due date for the loan was made XXXX XXXX. I extended the loan and made a partial payment on that date - but when they extended the loan they unilaterally switched my pay frequency to XXXX per month and made the payment due on XXXX XXXX - which I could not pay. I did n't know this until I got a reminder from them on XXXX XXXX. I e-mailed them on XXXX XXXX, and called on XXXX XXXX to get them to correct this error and they refused. They said I had to provide evidence that I was paid monthly, which I e-mailed them on XXXX XXXX. However, they still ran through the payment resulting in a {$29.00} overcharge fee. They have now referred the loan to their collections department. As far as I am concerned unilaterally changing the terms of a contract under the guise of an extension of that contract is fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX XXXX, a solar company ( not in business anymore ) sponsored by Well 's Fargo Bank scam me into buying a solar panel for {$7900.00} when it was supposed to cost me close to {$4000.00}. Since I was not working at the time I never thought that WFB will ever approve me with what they were promoting as a Home Project Visa Card much less for {$3900.00}. To my surprise, I was approved not for the {$3900.00} that the project cost but for {$7900.00}. I called the solar company and I was inform to make the first payment, wait 30 days and that after that they will straight everything out. When I call them again after 30 days, they were out of business. Well 's Fargo was not help at all. They said I must pay the full loan or they will report me to the credit companies. They did. 
In XXXX XXXX I got a collector 's letter from XXXX XXXX XXXX XXXX, out of XXXX, XXXX. They said I own {$10000.00}. I respond them to prove me that I own that money. They never respond me. 
In XXXX XXXX I got another collector 's letter for the same amount, this time from XXXX XXXX XXXX from XXXX, XXXX. I did ask them to prove me I own that money. They never responded. 
Since these collectors never responded, I did assume everything was Okay. 
Well, I am working now and want to start my own bakery business and to my big surprise and disappointment, when checking my credit score it was in the low XXXX. The XXXX report from XXXX XXXX shows the WFB loan shown as charged-off ( bad record ) but also shows a collection for {$10000.00} from a XXXX XXXX XXXX from XXXX XXXX, collector company I never heard of, where it state that the originator is Well 's Fargo Bank. To make matters worst, the loan has a date opened of XXXX XXXX, 2 years and 4 month after the WFB loan was approved. 
I understand that it probably was my fault that I fell for the scam to begin with, but whatever I did wrong, I did it in good faith and with no intention to hurt anyone. These companies, Well 's Fargo Banks and its accomplices, the collector XXXX all they want is for me to pay for a wrongful loan generated by a corrupt bank or my credit history will be ruin, which already is. 
Now that I want to something good for myself and others, I found my hands are tight by a bunch of crooked white-collar scammers where my only option is to pay my XXXX ( {$10000.00} ) or else. 
All this information is documented and should you see that you can help me, fact that I will very much in appreciation, please let me know so I can have some hope for my future. 
Very truly yours, 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 2015-09-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells fargo furniture reported me late. I have made payments however they have discontinued my ability to make payments online. Every payment I made they returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
my loan XXXX with ASC america servicing company, i tried to remodify in 2013, i had hard time finding a job, i made payments XXXX XXXX XXXX 2013 then i found out that XXXX sent a credit of {$70000.00} to the IRS who is demanding me to pay taxes on that amount. they denied my remodification application twice, they claim i have reached the limit in remodification application and have no right for appeal anymore. 
i want to stay in the house i told them and i asked them many times that they accept monthly payments, they refused and demand that i pay all the back pay which is close to or more than XXXX $ which i do not have right now. 
my number is XXXX XXXX XXXX or XXXX XXXX XXXXthank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
was removed after it was challenged and was later put back on report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Our complaint is directed to the possible discriminatory review and decision practices of Wells Fargo. My son originally applied for a loan with Wells a year ago whom he 's had his bank account with for XXXX4 years now & he needed a creditworthy cosigner at which time I applied. We were turned down as my score ( XXXX ) was well below their minimum. Fast forward seven months, I worked on improving my credit score by XXXX points, have had ( as always ) a good paying, stable job, ( my son works 36 hours while remaining a FT student! ) so we should be in great standing yes?! Apparently not good enough for Wells Fargo. After my son looked online and received the decline, I phoned Wells, spoke to " XXXX '' who attempted to decipher why we were declined citing 60 day late payments ( of which there are NONE! ), public records ( had a bankruptcy discharged THIRTEEN YEARS AGO! ), how my credit history was n't long enough ( have had XXXX separate car notes over a span of 12 years including XXXX current ones, mine and the XXXX cosigner for my son, & the same credit card paid on time for over 8 years ) and score?! I informed the rep at Wells how I 've worked exhaustively hard directly with the exact credit reporting agency ( XXXX ) to improve to a XXXX score, the same agency Wells reportedly uses. I also questioned the differences in the information as what was depicted in our conversation, also in the letter later to follow, of how the same agency reported my score XXXX points higher than listed ( Wells lists my score at XXXX ) ; how there are NO 60 day lates listed, etc. No answers, just a half hearted apology and try again (? ). We did and have been doing everything to put us in creditworthy status. We both my son & I literally kill ourselves to continuously be rejected? We 're hard working, honest, dependable American citizens living to be contributory to our society however if we were n't, if we came from foreign soil, we 'd be more able to get a loan (? )?! Why are we able to get a car loan quicker, easier than a student loan? My DTI is at 23 %, he 's working more than he 's being educated. What is considered creditworthy? We 're being isolated, discriminated based on being ethnic hard working Americans. I believe is yet another unethical, dishonest and discriminatory practice on dealt of Wells Fargo that needs to be investigated. I 'm quite sure we 're not the only ethnic Americans this has happened to.

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 2016-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for WFDS to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

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 2017-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
For over two years I have requested documentation on the number of foreclosures, census tracts and value of the homes at the time of foreclosure. Wells Fargo has not responded to my request. On the day of my foreclosure sale, I provided documentation that that were funds available to reinstate the loan. This was the exact information that I had provided 30 days prior. I was attempting to get a modification which was denied because utility bill which was mailed to my post office box was not mailed to the house address. Although the bill had the service address noted. This was unacceptable to me because in a previous modification this documentation had been accepted. I believe my case on e on my any in which Wells Fargo was attempted to clear and clean its books of low preforming mortgage loans in low to moderate income areas by shifting them to a another sister organization owned by Wells Fargo once they were foreclosed.

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 2016-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo close my account due to the filing of a cfpb complaint. Keep funds and did not disclose terms.

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 2017-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have had a home equity line of credit for several years. For the majority of those years I have paid more than the interest only amount requested. Many times I received a payment coupon stating that I had {$0.00} amount due. I still paid an amount. I had assumed this over payment went to principal. Recently I have written on both my coupon and my check that I wanted overage amounts to be applied to principal. The last two months I noticed that the coupon stated that I either owed less or {$0.00} the next month leading me to believe that the principal payment was not made. I called last month and the current month and requested that the over payment be made to the principal. Both times I was told that I had an 'interest shortage ' stemming from 2015 when I did not make a payment based on the coupon stating that none was owed. I requested an audit of my account both times and have not received anything. Further, because I have paid over the amount for years, including when the coupon stated that I did not owe anything, I can not understand how it is possible to have 'interest shortages. ' If the over amount did not pay down the principal and did not pay forward interest, what are they doing with my money? Please look into this for me. Thank you.

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 2015-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We refinanced our home mortgage about three years ago ; because we were cash-poor at the time, we acquired an FHA mortgage that was later sold to Wells-Fargo. At the time, a MIP payment of about {$200.00} a month was attached. I got that -- we did not have the money needed so we were considered high-risk. Three years later, our balance is around {$190000.00} but our home value is over {$300000.00}. Am I on the hook for MIP still, or is there some process I can follow to have the MIP lifted from the loan so that I could use that portion for a home equity loan payment? 
I just want to make better use of my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo ( WF ) /Americas Servicing Company ( Loan # XXXX ) - Delay tactics in attempting to get to a loan modification ; The WF specialist assigned to my file does not ever pick up phone or respond to voicemails ; Many other WF specialists assigned and reassigned in the prior years, I was always asked for new information once a new specialist is assigned ( another delay ). Only XXXX opportunity for a loan modification granted by WF two years ago and rejected for reasons set out by the " investor '' WF would not communicate the reasons for rejection. I have been employed and earning more than enough to pay off the loan via a modification. Faxes I sent are not on file, notes from my conversations with representatives and with the Office of the President are not on file, and they are asking for documents I already sent on numerous occasions ( i.e. hardship letter ) I 'm skeptical about WF record retention systems for email communication and faxes they received from me and others. When it was time to resolve WF 's request for a subordination from the XXXX lender on the loan ( yet another delay tactic ), WF 's title department would not communicate with a second lien holder ( XXXX XXXX ) because they just will not do that. I waited for months! and even after I submitted a written authorization to do so on my behalf, WF did nothing to assist with my attempts to modify the loan. I 'm exhausted from years of frustration in struggling to just get an opportunity to modify my mortgage and an opportunity to pay off my loan. WF representatives say they are there to " help me '' but they are just a facade and keep delaying the process and clearly their management hopes time runs out. WF asks for more " updated '' information every month. They are clearly interested in keeping my loan in foreclosure status and they are hoping that I just go away and stop my communication with them so they can foreclose on the home as allowed under the rules ( unacceptable ). I missed my mortgage payments 5 years ago and I 'm still trying to get an opportunity to get a modification. I 'm exhausted and emotionally drained from this struggle to get an opportunity to pay off my loan and keep my home. I have nowhere else to turn for help, hopefully CFPB can help. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened a checking account at Wells Fargo with a promotion code that offered a {$100.00} credit if you made XXXX debit and/or payments in 60 days, or set up a direct deposit. I made XXXX debit card purchases and XXXX payments in 60 days. When I called Wells Fargo one month ago they assured me that I met the qualifications and that I should expect a credit in about 8 weeks. 8 weeks later and I have not received a credit. Today I went into a branch and was told that I did not meet the requirements for the promotion. I believe this to be unfair practice and completely misleading. I also do n't understand how XXXX different employees in customer can be so ill informed about the policies and procedure of a simply promotion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In last month, WELLS FARGO send me a pre-qualified letter to invite me applying a credit card. I submitted the apply form online and I was asked whether I 'm a US citizen or a permanent resident or a legally stay foreigner. I 'm a XXXX citizen and I 'm now legally staying in America. I 'm not a permanent resident yet. I chose a legally stay foreigner at that time. A week later I received another letter and asked me to supply a copy of my Social Security Card. I send the copy to WELLS FARGO and about two weeks later I received the decline letter. The only reason they rejected my application was Not a permanent US resident. I think this is not a fair reason, and it seems like somewhat Racial Discrimination. Actually I already have credit cards of XXXX, XXXX, XXXX XXXX XXXX, etc. No other banks concern about my citizenship. A credit card is not so important to me, but I think this kind of behavior should not happen in this country. If legally foreigners are not welcomed by WELLS FARGO, they should dare to let me know directly at the beginning of the application and not waste my time.

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