vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was approved for HAMP program and Wells Fargo dropped the ball on the XXXX mortgage to the point where they have foreclosed on my XXXX loan. It was my understanding that I was going to be offered XXXX. Apparently this did not occur because Wells fargo had incorrect city locations in my records and therefore no record match could be found. Although I called and sent over a XXXX letters -- Wells Fargo just kept passing me off to numerous people and nothing got done. My XXXX daughter answered the door the day the process server came to our house and the whole family was so upset about the possibility of loosing our home. Well Fargo did absolutely nothing to support me or the situation. After XXXX months of going around in circles -- and receiving letters from my credit card company 's that my credit limit was being downgraded since they had me recorded as foreclosing -- I received a call from a Wells Fargo manager, XXXX XXXX, in loss mitigation who told me that there was nothing he or the bank could do to resolve my harmed credit until I went through another trial period which would be XXXX days. How ridiculous and absurd is it to have to deal with bank managers who ca n't mange their own internal processes so they can support their customers. Especially when the mistake is on their end. Wells Fargo -- You need to own your mistake and stop with all your non sense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I experienced some financial difficulties after the death of my wife of nearly 40 years. I was diagnosed with XXXX XXXX and then layed off from my job shortly after. I regrettably was left with no choice but to file bankruptcy. Since that time, I have returned to the work force and have attempted to work with Wells Fargo to avoid foreclosure of my home. I am willing to assume XXXX % of the debt on terms that I can afford which are terms that I know Wells Fargo has offered to other borrowers. Wells Fargo refuses to work with me and unfortunately, I believe that they are discriminating against me due to my age. I have knowledge of a younger working man that was offered unbelievably generous modification terms from Wells Fargo but I am told that they are not willing to consider a modification of my loan unless I agree to terms that I can not afford. I believe that they want to take my home and are unwilling to work out any other solution. I have been in the home since 1989 and have an emotional attachment because my wife passed away in the house. I am trying to workout terms with Wells Fargo that are much more beneficial to them than they are to me but I was just told that they will not consider a modification under any terms and will only move to foreclose. This seems punitive and unjust. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Back in 2013 I filed for divorce and was awarded our home having XXXX children. I knew i had to change careers to earn more income so I did but it was still not enough because it was still XXXX income. I tried to refinance the home threw Wells Fargo and talked with XXXX XXXX there XXXX. After being behind 2 months during the process of applying I was able to save the money to catch up on my payments. XXXX XXXX advised me not too for the fact that the refinance committee would ask were the money came from and not to pay it. She urged me to stop paying all together. I followed her advice. Over a matter of weeks I followed all the instructions XXXX XXXX had given me. I only ask that as i try to make a quick sale that Wells Fargo will grant me 60 days additional for the sake of my XXXX daughter XXXX so this does not traumatize her. This has been an absolute nightmare for me to take on alone so that my children could focus on there studies.

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: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There were XXXX payments made for XX/XX/XXXX. A wells fargo rep said she did the paperwork to skip XX/XX/XXXX 's payment. I just checked and they auto-withdrew from my account for XX/XX/XXXX and I was counting on having that money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have attempted to log on wells fargo to make a credit card payment since XXXX 2016. The reps continue to tell me they can not help me to access online banking even after I provide numerous security and personal information. When asking for contact information to manager he stated he was the highest level supervisors present, I clarified I wanted to speak with his manager who he reports to, he said he was not available and provided me only a name and no contact information. XXXX then asked me a series of questions, I spent XXXX minute with a supervisor, XXXX from the XXXX call center, who would not provide an id number. He had me provide XXXX of my last payments, social, old and new phone number. They state I must have my credit card number, expiration and XXXX digit code to proceed and to call wells fargo back when i have it. XXXX did offer to send me to other departments for to attempt to make the payment. After XXXX minutes XXXX transferred me to credit card services. He stated there may be a longer wait time, I asked XXXX to wait on the line so I was not disconnected, XXXX hung up, transferred me to XXXX who was unsure why I was calling. XXXX provided my minimum due and payoff amounts. I spent over an hour on the phone with no resolution. I still am unable to access my accounts online, I am now unable to see transaction history nor receiving statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I bank with Wells Fargo, Checking account and savings. Wells Fargo is engaged in illegal business practices of my account. Yes I have been overdrawn a bit. I am a XXXX veteran, I have direct deposit. On XX/XX/XXXX. I deposited XXXX in my account. A Ga. Lottery check. I told the teller to take the money out for the overdrawn amount. He did n't. Instead he gave me XXXX And said he was going to deposit XXXX And on the next day I can come and get the other XXXX. He did n't tell me anything about the hold until after I had deposited the money into my account. I got the XXXX out the next day but they charge me the XXXX plus the overdraft fee. I need my money. They put a 10 day hold on a Ga. Lottery check. They do n't always put hold on certain customers checks. I have been having problems with them every since I been with them. It does n't take 10 days to verify a state check. I have deposited one before and they did n't put a hold on it. And I was overdrawn at that time. I ca n't pay what I needs to pay and get me some food. They have made it to where I do n't have no choice but to get my money out what ever they allow me to have for my personal use. Which have created more overdraft fees. I tried to resolve this matter several times with them to no avail.

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 2016-01-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX XXXX, 2015 ( approximately XXXX ) my daughter and I pulled up the the drive up ATM machine to make a deposit. Upon driving up to the machine I found {$340.00} ( {$360.00} ) still sticking out of the machine from the previous customer. I took the money into the branch ( XXXX XXXX XXXX XXXX MN ) and asked for the manager ... who was n't available. There was long lines for all the tellers so I flagged down a lady walking behind the counter and told her that I found this money in the drive thru. She took it and walked right away and did n't ask for any of my information or where it was found. Two days later I called the branch and asked for the manager and again she was n't available. I asked the lady on the phone if she knew if anybody had claimed the money yet and she said no. A week later I called again and actually spoke to the manager and she stated to me that nobody still had claimed the money. I asked how much time has to pass before my daughter and I get the money back. She stated that we do not get the money and that it actually goes into a dormant account. I expressed concern that they did n't even ask me for any information regarding my transaction to locate the person before me. She stated that even though the machine is a Wells Fargo machine that it is run by a separate company that they do not have access to. She stated that the individuals would actually have to file a claim for the money through their bank, because anybody can use the Wells Fargo machine, and they would be reimbursed that way. When I explained to her that I did n't give the money to the bank and that if the lady who initially took the money had explained anything to me regarding the process that I would never have given her the money and that the entire process was handled very unprofessionally when I went into the bank. I NEVER GAVE THE MONEY FOR THE BANK TO KEEP and would like it returned as if I was originally told the process for the customer to file a claim to refund their money. 

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 2016-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Bank does n't want to return my ach deposit on a closed account. I met with a banker named XXXX XXXX that put a return of funds. Wells Fargo Bank failed to make such easy task.

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 2016-11-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was XXXX and my credit cards were stolen. I am currently fighting via litigation the vendor and bank involved in the situation. Due to my attorney advising me to stop paying the fraudulent charges to keep my cards current, my credit score has suffered. My bank credit card even presented with this information reduced my credit limit {$22000.00} making the card usable for my monthly needs. I escalated and underwriting refuses to do anything given my situation with evidence. I do not think this is fair given the situation and should be reviewed in a manner taking into account all other facts ( no other card issues ever, this bank never had a late payment, customer of 10yrs+ ).

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 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO 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 2015-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My elderly mother and I went to a Wells Fargo Branch in XXXX XXXX, XXXX where my mom has an checking account. My mom asked to add me onto her checking account so that I could pay her bills while she is receiving medical care. The gentleman asked name, address, ssn, date of birth and place of employment? I answered all questions thinking this was for adding me to the account even though I was puzzelled by employment question. The rep never said what he was collecting the info for? He returned to inform my mom and I " that my credit would not allow me to be added to her account! '' My mom was very upset over the news. I asked the rep " did you run a credit report '' inwhich he replied " no I did n't ''. A week later I received a note from XXXX that Wells Fargo had run a credit request! Should n't I have needed to sign an consent to release my credit report to Wells Fargo and should n't the rep have only released that information to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The complaint is against Wells Fargo Mortgage Dept. 
I filed for a chapter XXXX in XXXX. I sent money to the trustee for 5 years to make payments to debtors. My lawyer told me to continue to make my mortgage payments, which I did. The first couple of years they took my payment and applied it to my loan then all of a sudden they took my payment but did n't apply it to the loan. When it got to over {$3000.00} I called and ask why this was happening and they said they did n't know. They did go ahead and applied it to my loan and said everything was straight. Everything rocked on like it was suppose to then all of a sudden they stopped applying my payments. They have not applied a payment since XXXX XXXX. They are holding about {$12000.00} and will not apply it to my loan. My chapter XXXX was completed XXXX XXXX. I have called several times trying to find out why they have not applied the payments. They tell me it is being looked into. I do n't know why they would apply then not apply then apply and then not apply. I ca n't file my taxes because my statement for interest is not right. My credit report shows I am not making my mortgage payment each month when in fact I am which needs to be corrected because it is making my credit look worse than it is. They have told me they have been waiting on some kind of release. I called my lawyer and he said they were not included in the chapter XXXX therefore there is no kind of release for them. My lawyer did ask what bank it was and when I said it Wells Fargo he said no wonder. He has had proplems with them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I have been going back and forth with Wells Fargo regarding reporting on my student loan, they agreed to remove two late payments from my CBR 's as they were mailing statements to an incorrect address that was provided to them by someone other than me. I have since updated the address on file and phone number with them. As they allowed changes to my account to be made by someone other than the primary account holder which caused statements to be mailed to the incorrect address I believe all the late marks should be removed from my CBR 's as the co-borrower was making payments, and I had no way of knowing if payments had been made. I have since received online access to my account and have been making payments. Attached is proof showing they removed two lates from my CBR, there are XXXX other late marks on my CBR that should be removed by the logic used to remove the XXXX and XXXX lates from 2016. These lates were not removed in goodwill they were removed as Wells Fargo error.

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 2016-12-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
When I applied for this loan, I was not given a definitive interest rate nor payment amount. I was desparate and took it anyway based on being assured I would receive the complete information when the loan was completed processing. I was told I had until my first due date to return the money if I did n't like the terms. I told the company I do n't do business by email but was told that was the only way for me to get my loan information. I have requested the terms and payment schedule in writing but was refused saying they only use electronic communications, however their loan offers still continue to arrive USPS along with their collection notices. I still have n't gotten the loan information even by email. I borrowed {$800.00} which was deposited electronically into my checking account. Without my knowledge or approval, {$210.00} was then withdrawn by CashNet out of that same account. When I called CashNet about this, I was told that is how repayment is done but yet the company still REFUSED to give me a definitive payment amount or due date. I have refused to make payments until this matter is settled.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA
State: ID

Complaint narrative:
AES student loans continues to call and harass me about a late payment. I have a co signer on the account and there have been various times I have asked them to call me first. This does not happen. The most recent incident is this week. On Monday I called about my loan being late and told them I would be able to make a payment in a week. I asked for them to not contact my grandma as she does not make any payments towards the account. The rep stated she would note that. I then received a call ( XXXX ) from my grand mother saying they called her about my late account. After I have already spoke with them. I called them and spoke with them about harassment and they said they can send letter and make as many phone calls as needed until the account is paid. This is a continuous problem with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I made a check deposit on XXXX/XXXX/2015 at Wells Fargo bank in XXXX oregon yesterday and because the bank created an overdraft two times in 6 months they put a 10 day hold on the check we checked the account the check was drawn on and the check was paid. I called wellsfargo and informed them that the check was paid last night and that I wanted the money made availe I was informed that was n't going to happen. 

Yesterday as every month I made payments to my credit card it was noted and pending yesterday but today the payments are not there the bank said I did not make the paymentsAnd that my balance is XXXX+ this is how the bank causes an overdraft they force this by deceptive practices This has got to stop it is unfair that a bank can keep me from paying my bills with my money and that a draft that they have gotten paid on remains on hold this was never disclosed to me at the time of opening the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo deceptively opened a personal line of credit. It has fees attache with it to have it open and it gave be a hard ding on my personal credit report. When I spoke with Wells Fargo they said " sorry '' and they will talk within their internal teams to resolve it - no solution or help for me ... 

THE STORY : I went into Wells Fargo XXXX, CA to get a new credit card for XXXX that I lost. When I did that the banker recommended I open a personal line of credit - which would have an interest rate between XXXX %. Then I should move my credit card balance to that and pay off my debt slowly with a lower interest weight. No brainer - right? 

When I opened the account - I received a XXXX % interest rate - higher than my credit card. When I called the banker back, he said sit on the account for XXXX months and do n't use it, then Wells Fargo would lower the rate. Obviously, that never happened. That account has been sitting open, untouched, unused. Not even once. Why would I? It 's higher than my credit card interest. 

I have been paying fees on this account to have it open ( if I close it I get another hard ding ). When I opened it, Equifax gave me a hard ding as well.

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 2016-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I received a call from a different lady saying she was going to come to my house and shoot me. 

I have been contacted countless times by Continental Credit. They are looking for an XXXX XXXX. I have no idea who that is, but the company will not stop calling me. Today, I received at least 10 calls, and I spoke to a nice, professional lady who said they would no longer call me. 

After that, I received a call from a different lady saying she was going to come to my house and shoot me. The call came from ( XXXX ) XXXX. I called the professional Continental Credit number back at ( XXXX ) XXXX and they said the lady worked for a sister company and her supervisor was XXXX XXXX, ( XXXX ) XXXX. XXXX XXXX completely denied the phone calls and the phone number saying that no one worked for his company from that number. He acted like this number was n't in the records, when the previous people said it was and that he was the supervisor. 

I looked the phone number up myself on the internet and found it belonged to XXXX XXXX who works for Continental Credit. So, obviously, XXXX lied. 

What do I do to stop Continental Credit from calling and harassing me? My credit is perfect. I have had my phone number around 10 years. I have no idea who XXXX is. My number has been on the " do not call '' registry for years.

Company response to consumer: Closed with explanation