vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I obtained a Wells Fargo Home loan in 2005, at the time Wells Fargo loan officer informed that I did not make enough money to pay for said loan and advised and obtained a Home equity line of credit to help me make my payments. When I asked her how this was going to help me she informed me that the housing market is climbing so fast that I can refinance the loan in about a year at lower rates and combine the loans and I would pay the same monthly mortgage. 
When interest rates started dropping and housing market crashed I desperately tried to get Wells Fargo to re-finance my loan at a lower interest rate. They refused and said the house was under water and they continued to withdraw $ XXXX XXXX dollars a month interest charge on the home equity line, about XXXX dollars later after they sucked up all the remaining equity from my house. I attempted to re-finance several times and combine the loans but they would not reduce my interest rate XXXX to make my house affordable and kept withdrawing the interest from the home equity line of credit that they gave me. 
I feel that Wells Fargo duped me into a interest only loan at a high rate and said I could not afford it and gave me a equity line of credit knowing that this would drive my home further under water. 
10 years later and XXXX in interest fees on the Home equity line of credit Wells Fargo re-financed my loan after the housing market went up. They combined the XXXX loans and now I am stuck paying for a Home Equity line of credit that I did not ask for and Wells fargo took all the money out for there interest. As soon as the Home equity line of credit was tapped out they re-financed my loan. I am now in debt XXXX more than my original loan beacuse of the interest that Wells Fargo took every month from the equity account. 
When I asked the Loan officer why she did this she informed me that at the time I did not make enough money to pay for XXXX XXXX mortgage. If I did not make enough money to pay for my first how did they give me a second? which put me into more debt. 
I feel Wells Fargo Loan officer conducted Predatory lending and after seeing all the fraud that Wells Fargo has done in the last few years I am convinced that I was part of that fraud. 
I ask the Consumer Protection Bureau look in this matter and see how I was qualified for a XXXX line of credit to pay to Wells fargo in interest and how if I was not able to afford my first mortgage how they expected me to pay a second.

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 2016-08-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have an auto loan with wells fargo dealer services loan # XXXX. Due to my husbands job loss and injury I did fall a few months behind on vehicle payments. The problem is that I have been making payments but Wells Fargo does not appear to be applying my payments correctly. I made a payment of XXXX/XXXX/16 for {$300.00} which they told me was for XXXX 2016, however, they took the payment and my account still shows due for XXXX but yet the total amount due on my account information with them on their website shows {$760.00} which totals the XXXX and XXXX 2016 payments plus late fees. When ever I call about my account, I verbally verify with them what month I am paying and on XXXX XXXX they told me I owed for XXXX 2016 and I made a payment of XXXX XXXX. My concern is that they are not applying my payments correctly and I ca n't seem to verify what month I owe for. Every time I call, I get a different answer and their response from their collections supervisor is it does n't matter what month I owe for and I better make a payment. I am making another payment on XXXX/XXXX/16 but I have a right to honest answers regarding my account and when I login in to my online account for the loan, I should see information that is current but it is deceptive and misleading. In addition, they call and harass my husband who is not even on the loan. I addressed this with them that their employee who calls herself XXXX keeps calling my husband and all they say is yes a XXXX works there but they have not called my husband. However, they have called him several times and have left voicemail messages on my husbands cellular voicemail

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 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am selling my house in XXXX XXXX and entered escrow with XXXX and XXXX XXXX. They were working with Wells Fargo to attain their Loan for purchasing my home. They were given and pre-approval letter and then later received a voicemail from their loan officer at wells fargo telling them explicitly that the loan had been approved and the appraisal had been ordered. The appraisal was then completed and both parties then signed a document with a closing date of XXXX XXXX. I then began the process of moving and rented a truck and trailer to take my first load out of state to my new home. While I was in the process of driving this load I got news that Wells Fargo had decided to now put the loan back in underwriting and were not approving it as previously mentioned. Ultimately Wells Fargo decided to change their mind and deny the loan then causing the buyers to cancel escrow. I now have been put out a lot of money and time and not to mention half of my stuff is now stored in another state that I can not go to yet since I have to now go back to the drawing board and try to find a new buyer. 

How is it ok for Wells Fargo to call and leave a voicemail giving verbal approval for a loan, order the appraisal and have both parties move forward with signing closing date documents? I have this voicemail and will attach it to this complaint if possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
{$13000.00} was charged to XXXX account in XXXX XXXX Since this date Wells Fargo has been unable to furnish any backup documents to support this charge. At XXXX/XXXX/XXXX, with compound monthly interest at 10.75 %, the total amount charged to XXXX account from XXXX thru XXXX is {$93000.00} which is greater than the foreclosure amount.. 
XXXX has sent dozens of qualified RESPA requests only to receive the same reply for each. " WE have received your inquiry and as soon as our research is complete you will be advised. '' This is not believable and is criminal fraud. For 13 years Wells Fargo has been sending this same reply. Recently Wells Fargo advised this charge resulted from a Loan Modification dated in XXXX XXXX. This is criminal fraud because the {$13000.00} was charged to XXXX account 20 months before XXXX XXXX. 
XXXX Loan Number with Wells Fargo is XXXX. 
XXXX Desired Resolution. 
Place Criminal Charges against Wells Fargo for {$93000.00} for attempted Larceny Force immediate return of the XXXX. 
Please advise what additional data you will need in order to enforce these charges against Well Fargo Thank you very much XXXX XXXX XXXX Phone XXXX. 
This is the Third Request sent to CFPB. I have received one reply. Advising it will take 10 months to research this problem. This is not believable because they have been researching for the the last 13 years. 









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Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In continuation to case number XXXX : Asked Wells Fargo earlier this year for deferral to move my late balance to end of the loan cycle. The rep stated that I would NOT qualify until 12 months had passed for 3 months deferral. I now find out that Wells Fargo did a one month deferral without consent -- please ask them to listen to my call with the rep whom stated I did not qualify yet. There was NO notification mailed out nor did I sign anything. I 'm seeking assistance with bringing my account current. Wells Fargo is now stating that we have to wait an additional 12 months when they should have deferred 3 months rather than one. Our credit is being impacted as we are trying to work with Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I traded in my car and the dealership requested the payoff amount on XX/XX/2016, the amount they told to pay was {$1900.00} and the dealership sends the amount of {$19000.00} this amount should include the interest after requesting the payoff and that amount sent on XX/XX/2016. the same day the wells Fargo bank took from my account {$430.00} as the payment for XX/XX/2016. and they are telling me at that moment that I still owe them {$570.00}. I am confused who owe the other, according to the accounting base wells Fargo owe me XX/XX/XXXX payment. add to that they are still charging me interest and they have reported that to the credit score agency. I am begging you non of their customer service, not even the vice president want to contact or deal with me. they just calling harris me and my wife and threatening us by telling us that if we did not pay this amount they will report it to the credit bureau and they did so my score went really down because they saying I am behind 77 days. the last time they contacted me was XXXX/XXXX/2016 and the representative did not want to talk with me she just telling me if I am going to make a payment and her supervisor as she mentioned his name " XXXX XXXX '' he told her to direct us to our new dealer which we traded the car with to talk with them and when the dealer tried to contact them they telling them the run-around for over 2 hours. earlier the vice-president contacted me and she refused to talk with me she said " I do not prefer talking with you and there is no more communicating till you pay your amount that you owe us '' and hang the phone on me. they are claiming that they send a check for me and they want me to sign an affidavit saying that I did not cash the check, how I am going to cash something I did not receive. please, help me.

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 2016-09-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I had a Wells Fargo VISA Signature Card ending in XXXX. 

I received a letter from Wells Fargo on XX/XX/2016 noting that there had been some suspicious charges on my account and that if this particular account activity continued after receiving this letter, Wells Fargo noted they would close my account. 
The charges were valid charges, however, I followed the direction and did Not make Any Additional charges whatsoever After receiving the letter on XX/XX/2016. As I state, I followed the letter 's directions exactly, and did Not make Any Additional charges after being directed. 

Logging into my online account a few days afterwards, I noted that my credit card has now been closed without warning or letter from Wells Fargo. More importantly, the {$1500.00} in Wells Fargo Go Far Rewards have not posted and have been XXXX out. 

This is wrong. I received a letter from the credit card company/bank and I followed the letter 's directions and did n't make any additional charges. Additionally, for them to close my credit card account outright without notifying me first is also wrong I believe. All charges were valid. Lastly, if they so choose to close my account for whatever reason, I should be entitled to the {$1500.00} in rewards points I rightfully earned. 

Wells Fargo runs a promotion and refuses to pay out to their customers? I believe this is wrong and I am expecting to get paid out my {$1500.00} in rewards. I am hoping you can step in on my behalf. 

Wells Fargo is deceptive and wrong. They claimed they sent me a letter, which they did as stated above. They clearly told me what not to do and I followed their directions exactly. 

I am Tired of Big Banks taking advantage of us. My husband and I have a {$400000.00} mortgage with them as well. IF they seriously want to continue to harm their customers, I will be refinancing with a different institution.

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
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a HELOC with Wells Fargo. I 've been getting notified for about a year that they were going to increase my monthly payment and convert it to a standard second mortgage with an increased payment. I did not and do not have a problem with that. 
What they did n't notify me is that the interest rate was being raised from 4.24 % to 6.88 %. With a current outstanding balance of {$190000.00}, this is an interest increase of over {$5000.00} per year! 
I have started refinance options but if not successful or if any delay, I 'm paying over {$400.00} per month in interest! 
I had no need to refinance to avoid paying the loan off faster. I certainly had a reason to refinance to keep the interest rate level!

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 2016-11-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo bank, without my permission punched my safety deposit box and removed my property. The bank management has ignored my request to return my property and have not offered any explanation why they took it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Every XXXX and XXXX of the month I am paid via paper check from my employer. It is the same check drawn off of XXXX XXXX XXXX. Wells Fargo always places a hold on my check and tells me that {$200.00} will be available on the day for example ( XX/XX/XXXX or XX/XX/XXXX ) but when the clock changes to XXXX that is technically the next day. The funds are not being made available on the exact date but hours later after their " processing times '' I have told them multiple times about the issue and nothing is being done. The bank always successfully collects the funds from the account that it 's drawn off of. The bank has NEVER received a returned deposit item from me and yet they continue to place a hold on my paycheck. They claim that the " system '' is putting the hold on it but not them. No other employee at my company has this issue and the funds are always available I know because I am the XXXX. I can show proof at all times that funds are available in the account that its drawn off of but they still place a hold on my funds, receive the funds from XXXX XXXX XXXX and still have a hold on it. This is unacceptable and something needs to be done. I have reported this to their executive offices and local branches with no resolution.

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 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
My name XXXX, authorized agent for the XXXX XXXX account with AMERCA 'S SERVICING COMPANY act. # XXXX. I had a foreclosure case that was dismissed with prejudice under Rule 12Q for want for fraud. I rescinded my mortgage also pursuant to the Truth in Lending Act and recent US SUPREME COURT unanimous decision upholding TILA. My home was sold about a year ago. XXXX XXXX no longer owns it. This company will not stop harassing me no matter how many times I have communication with them. I have written them numerous times. They call me a minimum 5x's/day. I tell them I only do business in writing. They will not stop calling me. Please make them stop. The debt no longer exists since the mortgage was rescinded and the case was dismissed with prejudice. I do not want a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Western Union withdrew {$3000.00} from my account on XXXX XXXX, 2016 for a money transfer. The money transfer was cancelled but the funds were never refunded to my account. 

I have called western union numerous time but every time I get a promise of resolution within 24 - 48 hours. As of the date of this complaint i.e. XXXX XXXX, 2016 Western Union has still not refunded my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
When I am sending money from Western Union using Mobile application, they are giving different/lower rate, while when I send money from Westernunion.com website. It shows different rate. 
I thought mobile app is only for purpose of making it easy as Western Union never mentioned about rate differential/reduction if we are transferring it via mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I took a deposit to People 's Bank and deposited it.The following day when I sought a confirmation of the funds in the account it was not available. The next day as I followed up with inquiry to the tellers I was introduced to the manager that informed me that it was a counterfeit item ; thus reason for the results I recieved. When I asked for the number of the head of the fraud division I was threatened with removal by police force.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: NRA Group, LLC
State: TX

Complaint narrative:
Information on my credit report was not mine. This information was disputed with all XXXX credit bureaus. Contacted National Recover Agency that owns the debt from The XXXX XXXX on XXXX/XXXX/2015. Explained someone with the same name has information on my credit record.The first representative was rude and hung up on me. Called back and they stated to fax a nature of dispute to them and I did. I could tell from their attitudes this was going to only be resolved by me doing the work. 
I immediately called original debtor the XXXX. We discussed my information and realized it was not mine. They stated they deleted account and would email National recovery agency. 

The following day my credit monitoring from transunion stated National recovery verified the debt to remain on report. I called back to find out they recieved the information at XXXX that this was not my account. They still went ahead and verified debt. The attitude was they will remove it when they get to it. The information was verified not mine, with confirmation email. They still have not removed it as of today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NV

Complaint narrative:
I took out a payday loan with Cash Central. Over the last year, I have taken out several loans from them and paid everyone back in full. My situation changed drastically after I took out my last loan. I lost authorization to continue to use the checking account I was using. My checks stopped going into that account as well. I contacted Cash Central to explain to them I no longer had access to that account and see if I had options. I was told " I signed a contract for a single payback, not a long term payback ''. I explained to them my situation again asking for assistance. They told me they would continue to try to charge that account. The owner of that account issued a stop payment on CASH Central through XXXX XXXX using the vendor ID. once cash central was notified of the stop payment, they had offices in other states with different Vendor ID 's attempt to run the payment through generating over {$100.00} in overdraft fees. On XXXX seperate occasions I told CASH Central through their web based assistance option that they no longer had authorization to charge the account on file. They told me I had to call to make that change. I have called twice now and told them verbally the exact same thing and asked for repayment options. Rather than work with me, they lecture me on fiscal responsibility and reiterate that I signed a contract allowing them to charge the account on file untill they are paid in full. Wednesday, I spoke to an agent for approximately 20 minutes explaining to her, yet again, my situation. I told her my intent was to go obtain an pre paid debit card today and call them to begin making payments. She told me, yet again, that they would charge the account on file as they would not accept multiple payments to pay off this loan. I reiterated to her that neither myself, nor cash central had the account holders permission to charge the account. She immediately began talking about " our contract '' again. This morning, I received an email from Cash Central letting me know that I had option available to repay this loan. They sent me this email at XXXX and by XXXX had already tried to charge the account they no longer have authorization to charge. I have now made several attempts to make alternate arraignments to no avail. On each interaction, they talk down to me, they threaten to continue racking up overdraft fees in this account till I pay them and are 100 % unwilling to work with me to resolve this matter. I feel like I now have no other choice but to file this complaint in the hopes that they will stop charging an account they are not authorized to charge any longer.

Company response to consumer: Closed with explanation