vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I moved home to XXXX from the XXXX in XXXX 2014. Prior to leaving XXXX, a customer service officer at Wells Fargo cancelled my debit card linked to my account without my consent. By doing so, he restricted access to my funds both via using the debit card and through my online bank account. Fast forward to 3 years later after endless phones and writing letters including signed copies of my passport and all the requested information in order to verify me for security purposes, the bank refuses to give me access to my funds which have been sitting there since end of 2014 and statements of my bank account for the year of 2014 which has resulted in me unable to file my tax return on time. This has incurred a lot of penalties and charges. Their only solution has been to have me fly back to the XXXX at my own cost and come into a bank to resolve this face to face.

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 2016-07-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I had been taking out a payday loan with CashNet USA for a few months. After repaying my loan and signing in to reborrow, I did n't see the option of my original payday loan, only the " new '' option of a Line of Credit. I was approved. The payments were set up to draft from my account monthly. The first payment was roughly {$240.00}. However, the following payments were just down right ridiculous. Ranging from $ XXXX- {$800.00}!! That 's more than ALL of my monthly expenses combined! And to top it off, the line of credit gains interest DAILY. My balance is the same that it was when I was initially approved for the loan. It does n't seem like there is a way out! I feel like I am a victim of predatory lending.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I keep getting calls from Wells Fargo on a mortgage that exists with a person I do not know. Wells Fargo has been told about this and still calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This complaint is an addendum to a complaint filed earlier against Wells Fargo Bank The file no.is XXXX. This correspondence should be forward to XXXX XXXX XXXX, Department Manager of Research and Correspondence who answered the previous complaint. I followed up with his suggestion regarding my claim. That phone number referred me back to their Fraud Liability Div. where I was given another customer service Rep. XXXX times I called and their has been no response. The name XXXX XXXX,! -XXXX.Once again Wells Fargo stalled and did n't follow-up on their correspondence letter. Now the statute of limits is up on the initial charge of their negligence. I, now willpursue action against Wells Fargo under California code 530.8.The trial of documents will be presented in court to a judge force them to clear my name .Wells Fargo has n't made any attempt to help me. The fine is {$100.00} a day. The Initial investigation goes back to XXXX XXXX. I intend to name, you, XXXX XXXX XXXX in a separate small claims lawsuit at {$100.00} a day. The law passed in XX/XX/XXXX and is specific about Wells Fargo 's obligation. In addition I will forward a whistle blower complaint to the Attorney Generals office of the state of California and the US attorney 's office in XXXX XXXX, California. I will ask them to investigate how an account opened in my name disappeared from your system.Could their be other accounts opened. Did anyone internally delete this fraudulent account.? The state of California losses might be greater than just mine. Did your bank investigate? My records of the account existence will be Social Security records, XXXX, the IRS and the district attorney 's of XXXX XXXX, California. Let 's fine out who the judge believes or better yet let there be a jury to decide the amount of damages. XXXX XXXX dollars a day. Can you afford to pay your own lawyer fees, XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I can not get my free reports online because the verification process keeps failing. I know there is fraudulent accounts negatively affecting my credit and I am certain it is due to identity theft by my biological father who shares the same first and last name as me and would be the most likely to have information on me such as my SSN, phone numbers, addresses, family members names and addresses, my birthdate, etc. the only difference in our names is the middle initial. The verifications ask about property being owned in states that I have never been to but that he has not only resided in but has been locked up in and is a convicted felon in with a lengthy criminal record to prove it. The questions also mention the names of several woman that he has been married to. He is currently in an XXXX State Penitentiary and public records can confirm that. Other questions did mention city 's that I have lived in and addresses that I 've lived at and belong to close relatives such as my mother and grandmother which is information that he definitely has as well seeing as how my grandmother has lived at the same address since my parents were kids in high school and my father lived with them once upon a time. How do I fix this? I am XXXX years old with a fianc* and XXXX young girls that I want nothing but the best for, and because of the bad credit associated with my name, I ca n't get a loan for anything at all so I can really get my life started. I have only XXXX vehicle that ca n't even seat my whole family at once and is not reliable by any means, as well as a house that is not suitable for anyone to have to live in due to its age and outdated structure, piping, and electrical system. It 's truly a death trap. But until my credit gets to looking much better, my chances of getting a mortgage and auto loan are impossible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I went into my bank Welsfargo in forest grove on XXXX/XXXX/XXXX to make my auto loan current. My monthly payment is {$330.00} so they took out {$660.00} a payment for XXXX XXXX and a payment for XXXX XXXX. I told XXXX the branch manager to please not take out the payment for XXXX XXXX i will make that payment when my girlfriend gets paid on the XXXX of XXXX. I go into the forest grove welsfargo today XXXX/XXXX/XXXX @ XXXX XXXX to pull out {$550.00} to pay my rent and was told i have no money in my account, i got a print out statment and it 's showing that {$480.00} is pending for my auto loan my payment is only {$330.00} so why are they taking {$150.00} more then they should? It sure should n't be fir any fee 's because im sorry they should of taken care of that when i went in on the 3rd. I am so sick if this and welsfargo on how they XXXX the XXXX out if you for no reason. Trust me im far from done with this matter. I have let everyone i know that welsfargo will rip you off if you let them get away with it and to never bank with them.

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 2016-11-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I 'm trying to keep my home. Wells Fargo is planning on holding a sale while under review for mortgage assistance. My HUD counselor and myself have not been able to get WF to postpone the sale date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was renting a car from XXXX. They have changed over the years, but that 's another story. I tried to get a monthly billing and tried to return the vehicle a number of times. I bank with Wells Fargo. Apparently, XXXX decided to charge me all at once a month while we were still in negotiations. I did not have enough money in my account for a XXXX charge and did not know anything about the charge. Wells Fargo paid that amount and overdrew my account. I complained and went ballistic. They gave me what they called a temporary credit. They just took the temporary credit from my account and overdrew me again. I am now overdrawn XXXX. This is my question, clearly this is their fault. They block transactions all of the time and make me call for approval on much smaller transactions in my daily life, how on earth did this happen and how am I at fault. They could have made arrangements with me to pay back the temporary credit in small increments over the past several months, but instead they broadsided me again. My account has also been hit about three times since I have had this account. I have been a customer since XX/XX/XXXX. They definitely back corporate charges to my account over my welfare and I have told them that in writing. The retail banking system is not American no matter what anybody says and has to stop. It 's my money. Why am I fighting and arguing over my money. I want to change banks but I am so afraid being treated the same way. I was by BofA to the tune of a settlement in my favor. I am sick of fighting for my money and I do not have much to fight over. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo paid {$6800.00} on XX/XX/2016 in County Tax from my Escrow account. However my county tax is only {$530.00}. I soon realized the mistake by Wells Fargo and found that Wells Fargo had paid the tax for wrong property address from my Escrow account. I got the Wells Fargo to pay the {$530.00} for my property. I also requested the refund of {$6800.00} which was wrongly paid. However I still have n't got the refund. It 's been 8 weeks of calling to Wells Fargo and all I get to hear is that our Tax department is working on it.

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 2015-09-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
In XXXX my now ex-husband and I obtained an auto loan with Navy FCU. At the time we were separated and he was responsible for making the payments since he did have possession of the auto. I was informed at one point that the loan was behind and when I spoke directly to their customer service department I was told that out of 40 months XXXX payment were late. I was also informed that the loan was refinanced to lower the payments and that I was still responsible. I did not sign any paperwork for any type of changes to the initial loan. I did not receive notice nor copies of the paperwork and it is still reporting on my credit report. I am sending a copy of the letter that was mailed to Navy Federal Credit Union requesting documentation of the account changes showing I am responsible. This was mailed XXXX XXXX XXXX. They questioned them in XXXX all they would state was that it was done legally. I want this removed off my report, I did not receive anything from them after requesting information and I did not sign any type of modification paperwork. I have disputed with the XXXX major credit reporting agencies and I 'm unclear how they are able to validate anything if I can not even get a copy of the paperwork that pertains to this just how are they? I want this removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I bought some furniture from XXXX furniture and I was about to pay the whole balance upfront as I had the money at that time. 
But the sales person insisted to open the credit card with zero interest for 12 months. So I have applied for the credit card. He has mentioned that I have to pay interest if I will not pay off the balance in 12 months. He did not tell that if I do n't pay the balance on the whole amount of the furniture. 

So I paid off {$2400.00} in 12 months and remaining balance was {$1000.00}. Now they have charged me interest charges of almost {$900.00} saying that its accrue interest on the whole balance. According to the customer service, that is written in terms and condition that accrue interest will be charged.However, when we opened the account sales guy did not mention a word about the accrue interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-08 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Cash net usa is not charging me on my payment dates they are doing it before and I 'm being charged overdraft fees each time and I have called them several times about it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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:
Wells Fargo has refused to CLOSE MY PERSONAL BANKING ACCOUNTS and instead continues to assess overdraft fees in an acount that has become overdrawn due to an illegal banking practice related to their BILL PAY PROGRAM ( complaint # 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 monetary relief
Consumer complaint received 2016-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received a short sale approval to sell my home where Wells Fargo is the servicer and HUD/FHA is the investor of the loan. The approval letter was issued on XXXX/XXXX/16 and valid through XXXX/XXXX/16. I advised my negotiator that I would need a minimum of 45 days to close the file since the buyer has applied for a TRID loan which requires a mandatory 45 days to close. The Wells Fargo negotiator assured me this would n't be a problem and that I could request the extension when I was assigned a closer for the file. I requested an extension on XXXX through the closer and was quickly told that the request was declined. The closer told me that if the buyer could n't close by XXXX/XXXX/16 I was out of luck and the file would be closed and the that I would have to start the short sale process all over again. I went on to open a case for help through the Wells Fargo Customer Care Department where I was quickly called to say once again that I was out of luck. When I called HUD/FHA I was told that the I had until XXXX XXXX to close since this is the day the ATP ( Approval to Participate Letter ) from HUD/FHA expires. I told this to my Wells Fargo closer and was told sorry she could n't do anything. I then contacted the area assistant VP for Wells Fargo who said he was going to request a variance through HUD/FHA on XX/XX/XXXX. It is now XXXX/XXXX/16 and I still have not heard from back from him since. I 've left several emails and voicemail message for him and have not received a response.

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 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo had opened and activated a credit card, attached it to XXXX checking account as overdraft protection, and issued XXXX cash advances along with transfer fees, overdraft fees, and of course interest. I had made XXXX transfer of funds from one account to another where I pay my bills. These XXXX different transfers were backed out and cash advances were then issued on a credit card that was attached to my account without my knowledge or permission. I still receive paper bills for any credit cards I have and when I received the Wells Fargo credit card bill, I thought I was a victim of ID fraud. I called the credit card group and they made me feel that I was breaking the law. Little did I know they were trying to steal my money! This occurred within the last 90 days.

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 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
It has been 10 weeks since I applied for a mortgage loan with PRMG. We have gotten nothing but the run around. My file was escalated to the branch manager, who told me I had been denied due to collections. I informed the branch manager that was wrong, and provided evidence to prove I do not have the number of collections he said I did. Branch manager never returned my call. My file was then escalated to the VP and he was able to remove my file out of the denial state and told me they would be working on it. Now we are dealing with the underwriter not calculating the condominiums association reserves correctly. My realtor along with the condo association has provided the lender with all the information needed for them to correct their calculating mistakes, and still nothing has been resolved. This has gone on long enough. I feel like PRMG has not been honest, this closing could have been done weeks ago. Both myself and the sellers patience is running extremely thin, and no one at PRMG seems to care too much to get a closing on this file.

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 2016-11-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hold on to hat, this is good one. 

The credit card companies have figuered out that their best payors, ( those payors who pay their credit cards online the day they become available ) can be hit with late fees by stating that their payments were processed in the previous month 's cycle. XXXX XXXX XXXX hit me with it about 4 months ago and my Wells Fargo credit card online statement which showed up today has started the fradulant fee process as well. 

For clarity I will explain the process as it rolled out on my Wells Fargo account. The exact process occurred on my XXXX XXXX XXXX credit card during the months of XXXX, XXXX and XXXX of this year. 

On XXXX/XXXX/16 I accessed my online Wells Fargo credit card account to pay my credit card new month 's bill. The date of XXXX was the first day this information became available and the online account screen had my new balance with added interest fees and the minimum payment due listed ( {$80.00} ). I processed a payment of {$82.00} that day. I always pay my credit cards the first day they are available to pay. 

Now satisfied I have paid the current month I no longer access the account online until the next month becomes due. 

This morning ( XXXX/XXXX/16 ) I access my Wells Fargo account online and my minimum payment due has jumped from {$80.00} due to {$180.00} due. Also, I notice my interest fees have increased by about {$30.00} ( from around {$42.00} per month to around now {$68.00} ) I call Wells Fargo to find out what the deal is and am told that my previous month 's payment ( in XXXX ) was processed before the closing date of the XXXX statement and that payment made was structured as an extra payment for XXXX EVEN THOUGH online it gave me a new balance for the XXXX statement, new due date, and minimum due for the next month. 

Essentially the credit card companies are screwing their best payors who do not scrutinize their balance but just pay it immediately. The credit card companies have figuered out that the number of people who catch the fees and complain are far less than those who simply pay without checking. 

This has class action written all over it.

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