vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Simply put, Wells Fargo sent me a letter on XXXX saying that my home loan adjustable interest rate is now 3.00 %, and starting XX/XX/XXXX my adjustable interest rate would remain 3.00 % for a year. On XX/XX/XXXX I received the exact same letter stating that starting XX/XX/XXXX my home loan adjustable interest rate is now 3.375 %. 
I relied on the XX/XX/XXXX letter and did not refinance.

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 — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was young and in the military when I was taken advantage of when buying a car. Navy Federal Credit Union gave me a loan that was more than the car was worth. The dealership and the banking institution was working together to get over on me. Now when I try to get rid of the car, the banking institution wont let me they said it will have to be a voluntary repossession. So now my credit is shot and I 'm struggling to get my credit right and having a hard time with a car that have should of been paid off. I been asking the bank to work with me because I had to put monies into the car to repair the engine and electrical work done. I even asked about the civil service act but they said I 'm not qualified. I feel as though I have been worked over by the banking institution and the dealership. My interest rate has n't went down since I first brought the car and it was at 15.69 % and I feel that is way to high.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was approved for a deed in lieu XX/XX/XXXX after trying to get my Loan modification for three years denied. Once we called Confirm all documents requested was received We moved out by vacate day XX/XX/XXXX. 
XX/XX/XXXX we received a Denial letter Called back XX/XX/XXXX to find out why and we still wanted the deed in lieu We were told they had to investigate after investigation they told us it 's to let to be review for a deed in lieu it has to be 45 days one represtative told us 15 days you never get the same Answers to many people work on one 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 explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was looking over my statements and realized Wells Fargo bank charged my account a late fee and a finance fee after the bill was paid in full for the XXXX Statement on my WF Business Credit Card. I contacted them regarding this and a XXXX XXXX ( Employee/Location ID XXXX ) advised that they would not refund the financing charge as it was a violation of the credit agreement which is not the case as this credit card is PAID in full every month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
In XXXX of 2012 I was unable to make full payments on a group of student loans with Wells Fargo XXXX XXXX. The problem arose when in making a partial payment through the Wells Fargo online portal, instead of paying the loan that could have been paid with the partial payment Well Fargo divided up the payment among the XXXX loans and in essences allowed them to be all delinquent. This lead to them assessing late fees on all loans in the group and reporting them to the various credit bureaus. Furthermore, at the time the option to assign payments to different loans in a group had not established ( until very recently ). My problem lies with the way Wells Fargo chose to assign payments to maximize their profits at my expense as well as their convenient use of group loan policy. Previously, on their website they treat loans as a group establishing XXXX payment amount for the entire group but when reporting to credit bureaus and for assessing fees it is every loan for itself. Currently, Wells Fargo has corrected the payment process online, now when you attempt to make a partial or extra payment amount you are given the option to chose which loans to pay. In my mind this is tacit acknowledgment that their previous policy was wrong and detrimental to their customers. For me the damage is done, however the remedy I seek from Wells Fargo and I have reach out to them in this regard is the removal of at least 1 of those late payments from my credit report. This would provide some relief from the flawed methodology that Wells Fargo used that I personally had no control over. I have prepared a letter to send to Wells Fargo to express my concerns but I have launched this complaint because I suspect that I am not the only one who has suffered this faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I paid my Citicards statement on line on the due date ( XXXX XXXX ), however the company did not post the payment until XXXX XXXX and charged a {$27.00} late fee. I have never had a late payment on this card. I sent a message to Citicards requesting a credit on XXXX XXXX. The automated response promised a response within 24 hours, but no response. I called the customer service rep ( XXXX XXXX XXXX ) on XXXX XXXX, was told that the automated system did not allow a credit, and that I could not speak with a supervisor. She said that she would ask a manager to call me back within 2-3 business days, but no call back. Very frustrating.

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 2016-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My main issue is stemming from the fact that I applied for a Refi from my Lender and it was completed. After the XXXX Mortgage was Paid in Full the Lender went into my impound acct and took out a PMI payment after the Loan was already showing as paid in full. I was under the impression that the Loan Payoff would have included any and all associated costs with the mortgage. It makes no sense to me that you would pay off a Mortgage and then get a bill for PMI. The Lender stated that the PMI was paid in arrears however at Loan Origination I paid a full year in advance so it seems like it changed at some point. The Lender also failed to obtain the correct amount that was due for Taxes and after the Settlement of the Refi they went back into my impound account and took out money for Taxes that should have been included in the Closing. The Lender has researched and basically stated we have no recourse and tough luck. I do not agree and feel that the Lender is underhanded and not transparent in their transaction not to mention that {$7000.00} in fees to Refi your own Mortgage is predatory. I mean really how can you charge and Escrow and Sub Escrow Fee and then charge a Courier Fee and then another Fee for XXXX. I was under the impression that XXXX was a Courier.

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 2016-12-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I got a XXXX loan in 2008 at security finance in XXXX SC. I made my payments and renewed at a later time. I finished paying the loan and happy ive repaid my 1st installment loan. I remember the first crew that were employed there was terminated for not putting the customers payments toward their account. I 'm not sure if its true but recently applied for a loan at security finance and was told I owe them 350.00+ so they denied me. I paid my loan off and its been roughly 8 years since I 've gotten a loan with them so I do n't have the receipts which I held for 3 years. I really need this balance off my report. Its hurting tremendously. I ca n't even get a glass of water on credit due to their bad actions that got them terminated. Thanks.

Company response to consumer: Closed
Consumer complaint received 2016-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Recently we were denied a loan modification but approved for a repayment plan. We were behind around {$6500.00} approximately. We offered {$5000.00} in the form of cash/cashiers check and were asking to work out the remainining balance in the form of a payment plan but we were turned down. Wells Fargo came up with a repayment plan in the sum of {$13000.00} making the monthly payment {$2200.00} for 6 months. We were waiting for paperwork to come in the mail to decide whether we wanted to accept the offer or not. Never received it. XXXX XXXX contacted us in XXXX because they did n't received said payment in XXXX. We let them know we had n't received documentation. They agreed to resend it. They took a payment over the phone during that phone conversation before we had signed anything and returned it to them. We called the end of XXXX to schedule an automatic payment for XXXX XXXX, XXXX. It was understood they were taking the payment on that day. We got a confirmation number and everything. They never too ok the payment. Almost 2 weeks later we called to see why it had n't been withdrawn from our account and we 're informed that they had terminated repayment plan because payment was n't received before the end of XXXX. We questioned why we were n't informed of that the day we made the automatic payment arrangement and we 're given no explanation. We were told XXXX XXXX, our home preservation specialist would contact us with in 24 hours. Never were contacted by her or anyone for that matter. Received paperwork that foreclosure process had begun. Suggestions from Wells Fargo were short sale or deed in lieu. We desire to keep our home but feel they did n't want to work with us in the first place. Denied loan modification because it was " too soon '' because we had had one 2 years prior. Sent them a payment in XXXX which was sent back to us stating they could accept nothing less than everything were behind which was around {$1200.00}, I believe. Constantly sending people out to check to see if we are residing in the home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo submitted false XXXX documents to the IRS on my behalf stating that my monthly Escrow amount was XXXX, when in fact that number is incorrect and does not reflect the balance on hand when they came up with that number. They merely added the insurance and the taxes, without subtracting the balance on hand, which at the time was XXXX and evidenced by Wells own record. 

Tax : XXXX Ins : XXXX Escrow XXXX/12mo = XXXX according to Wells Fargo However according to Wells own Escrow records ( XXXX/XXXX/2015 attached ) there is a standing escrow balance of XXXX. 

Escrow account : XXXX Existing BAL : XXXX Correct Escrow XXXX/12mo = XXXX So It seems I am not only being unfairly gouged, but now they are reporting this incorrect number to the IRS which is affecting my taxes

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 2016-06-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO IS WRONGFULLY REPORTING 30 DAY LATES FOR SEVERAL MONTHS FROM XX/XX/XXXX-XX/XX/XXXX. I HAVE TRIED TO CONTACT THEM AND PROVIDED PROOF OF PAYMENT FOR EACH MONTH THEY REPORTED LATE, BUT MY REQUESTS KEEP GETTING IGNORED. WELLS FORGO STATES THEY WILL NOT CORRECT OR REMOVE LATES AND HAVE SENT ME PAYMENT HISTORY WHICH DOES SHOW ALL PAYMENTS RECEIVED IN A TIMELY MATTER WITH NO LATES HOWEVER ON MY CREDIT REPORT THEY ARE REPORTING LATE ... THIS IS VERY CONTROVERSIAL INFO, HOW CAN THEIR PAYMENT HISTORY SHOW PAYMENTS MADE ON TIME BUT THEIR REPORTING TO BUREAUS SHOW LATES .... 
WELLS FARGO HOME XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX Phone number not available Date Opened : XXXX/XXXX/XXXX Responsibility : Joint Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Balance : {$420000.00} Date Updated : XXXX/XXXX/XXXX Payment Received : {$4000.00} Last Payment Made : XXXX/XXXX/XXXX High Balance : {$440000.00} Original Charge-off : {$0.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$4000.00} per month, paid Monthly for 480 months Remarks : DISP INVG COMP-CONSUM DISAGRS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rating OK X OK OK XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I was enrolled in Paymap 's XXXX beginning in XXXX XXXX for a mortgage serviced by XXXX. In XXXX XXXX, I cancelled the service and moved to a new address. 

On XXXX XXXX, XXXX, I received a letter in the mail regarding Paymap Inc. and Consent Order AP File No. XXXX. The letter notified me of a refund check that was issued sometime within the last year, but which I have n't yet received. It said that a replacement check could be requested by calling the XXXX Customer Service Center at XXXX. 

On XXXX XXXX, XXXX, I called the XXXX XXXX Customer Service Center and spoke with a representative there. She provided me with a claim number, confirmed that my account had an incorrect phone number and mailing address on file, and said that the check may have been mailed to the wrong address. She had no other information available, and told me to send an email to XXXXXXXXXXXX requesting that the check be reissued and mailed to the correct mailing address, which I did. 

On XXXX XXXX, XXXX, I received a secure email in reply from XXXXXXXXXXXX confirming receipt of my request. 

On XXXX XXXX, XXXX, XXXXXXXXXXXX replied with a second secure email informing me that my request was being reviewed. 

One week later, on XXXX XXXX, XXXX, I again called the customer service number provided in the letter to ask for an update on the status of my request to reissue the refund check. Again, the representative had no information available, and referred me to send a request to the email address. I sent another email to XXXXXXXXXXXX, and again only received an automated response that my request had been received. 

Today, XXXX XXXX, I called the customer service number a third time, and was told that they were not handling the refund checks, that they had no information regarding any requests for reissue, and that I should call XXXX, a different customer service number. Calling that number, I was again told that they had no information regarding a request for reissue. The representative told me that he could reissue a refund check, but only if I could provide the check number -- which I do not have, because I never received a refund check. He recommended that I send another request to the email address, which I did, only to receive the exact same automated confirmation email reply that I previously had ... Although not via secure email. 

I am still waiting for information on the status of my refund check, but have no means to get it using any of the contact information provided by Paymap , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 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:
Hello everyone my name is XXXX XXXX and I had a Business account with Wells Fargo which soon sky rocketed down because I was not informed that this third party would have access to my account to take out funds for a credit/debit card machine, So as they began to withdraw funds, I was being over drafted every month {$34.00}. I called the bank to ask about the situation and I was told that the funds that was causing my account to over draft was for a " cash register '' that I never received. So I asked them who gave them the authorization to go into my account to take out the funds, so they then told me that they were going to get in contact with the third party to stop what was going on but it never happened. So that left me no choice but to close out the account, which made my daily income to go from $ XXXX- {$20.00} because most customers used debit/credit cards and not cash, which made me lose customers. With me having XXXX kids, a XXXX father, XXXX husband, and this being my " first business '' made it very difficult for me to have time to go open up another business account somewhere else. One day I had to close down to go open another account with a different bank, and when I went to XXXX and XXXX XXXX XXXX I asked them did they have any third parties that they hired for the card machines and I was told Yes. So since the bad experience with Wells Fargo I lost trust with banks and this third party having access to my business account, which meant I could not accept no more debit/credit cards for my restaurant. Which left me no more business and bad credit because of them charging me for closing out the account and the credit card machine that I have today. So if someone can help me with this issue with Wells Fargo or just maybe my experience can stop the banks and there third parties go into peoples accounts taking out funds.

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 2015-11-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. Midland ignored my letter even though I had it tracked and know they received it in XXXX 2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received notification that my home equity line payment was late. I called and spoke to a banker and informed them that I had automatic bill pay which has been in placed for a number of years. The banker told me that for some reason my payment did not get automatically taken out of my account and to avoid late charges did I want to pay over the phone. I indicated that that would be ok. Several hours later my automatic payment went through, as well, causing my checking account to be over drawn.This occurred on a Friday and I was n't informed until Saturday. I was left with no money and had to withdraw from my IRA to cover checks that were being automatically being paid on Monday. I have been informed that the bank will take 10 days to reimburse me my funds which is unacceptable. I want my money put back into my account immediately and refunded any late fees and tax liabilities I am incurring for taking funds out of my IRA. Thank you for your help.

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