vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo charged me fees in 2012 for bank statements I needed for USCIS. I was trying to get duplicate bank statements online which is free but their online system was n't working. I called the bank and they said I would not be charged for the statements if they mailed them instead, They also said if I was charged they would refund the amount. Weeks later I was charged for the statements, They refused to refund the charges. They also refused to review the telephone call where I was told the charges would be refunded,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
my name is XXXX XXXX and i have a mortgage with Wells Fargo the loan number is XXXX. I am bihin with my payments because last year i had some health problems and i stop working for about one month went i try to go back on track of my payments the bank did n't take my payments any more. now i try to get a modification they deny it. I only want one way to keep my house and continue making my payment. thank 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
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Set forth below is a copy of an email that I sent today to Wells Fargo. The email speaks for itself. 
XXXX XXXX Private Mortgage Banker Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX : I just received a package of materials sent by XXXX by you, which is entitled " Private Mortgage Banking Full-service options for upscale home financing ''. 

The first sentence of the letter enclosed in the package states : " I appreciate you taking the time to discuss your home financing needs with me. '' Since I have NEVER spoken to you, nor even to my knowledge have you made any attempt to contact me until your XXXX package arrived, I can unequivocally state that, once again, Wells Fargo is knowingly misrepresenting facts. On the off chance that you have opened an account based on our fictitious conversation, please close it. 

A copy of this letter will be filed with the Bureau of Consumer Financial Protection. 

Sincerely, 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 explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
While serving XXXX, I fell behind on money. I applied for a payday loan with NetCredit. After being charged over {$200.00} every two weeks and my balance not going do I did some research and found out I have a 153.01 % interest rate. When I contacted them about this being illegal for XXXX military they blew me off. Having this is ruining my credit score and I can not keep up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Undoubtedly mortgage refinancing solely to take advantage of lower interest rates is of unquestionable benefit to consumers who are currently paying high interests rates on their mortgages. However, this probable benefit is greatly diminished, and in some cases practically eliminated, by the puzzling practice of banks to consider this type of refinancing as brand new loans with all its inherent high costs. 

Other than the change in the rate of the promissory note and its corresponding recording, on an existing mortgage there is n't absolutely any consequence to the collateral held by the bank, favorable or unfavorable. The BCFP should ask ; why all the charges associated with a brand new loan? 

It is not surprising that banks actively promote the refinancing of mortgage loans..

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 2016-05-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am writing this letter because I have fought and fought to save my home in XXXX, Wells Fargo Bank N.A . have denied my application for modification I am afraid me and my children will become homeless. Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. XX/XX/XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note to the Unites States, yet Wells Fargo Bank has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case XXXX CH XXXX. The Illinois appellate court went as far as to say the assignment was done by the attorney representing Wells Fargo Bank on behave of XXXX XXXX XXXX XXXX XXXX ( XXXX ) but it was not enough information to prove that the attorney was not employed by XXXX ; see Appellate No. XXXX. I have went as far to seek relief from Illinois Attorney general XXXX XXXX 's Office. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX,, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller and the State 's Attorney General office?

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 2016-06-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo illegally charged late fees and demanded payments while in school, they also have applied the higher interest rate associated with past due accounts. I now have over XXXX in interest applied to my student loan.

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 2015-11-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo permitted un authentic ACH request documents to be submitted on my behalf that allowed ACH money to be transferred out of my savings account. ( {$70000.00} ) Wells Fargo did not verify with me the documents the received, did not verify my signature on the document or any standard verification for ACH set up. Wells lacked sending me the standard alerts which are typical for a " new '' bill payee and I did not get the normal account notices when money is transferred from my checking or savings. 

I personally tracked down all XXXX from the information I gathered on the bank statement the day the theft was discovered. I located a legitimate XXXX company in XXXX called XXXX XXXX XXXX where the money was sitting. I had the accounts frozen ( bogus accounts were set up in my name to accept the ACH transfers ). Wells Fargo has never called, its been 7 days. I complained to my local branch office on XXXX/XXXX/2015 and still today have received NO communication from the local branch employee. 
A stop payment of XXXX was successful for the last few transfers, that was verified Friday however Wells Fargo has not given me that money back yet. It is MY money. 
Today I verified that the remaining XXXX has been successfully wired back to my accounts. This was done by me. Wells still clueless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When I purchased the home at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX on XX/XX/XXXX, the house was overpriced and divided into XXXX mortgages. XXXX of them was an adjustable rate loan of {$290000.00} with an interest rate of XXXX. The other loan is a balloon note for the amount of {$73000.00} with an interest rate of XXXX. 
My present rate under the American Servicing Company ( Wells Fargo ) is presently 7.250 with the majority date of XX/XX/XXXX with a monthly payment of XXXX with an unpaid balance of {$270000.00}. On the balloon note, the present outstanding balance is {$66000.00} the current interest rate is 11.450. Monthly payments are {$720.00}. 
I have tried on various occasions to have this refinanced, and it has been impossible. 
In as much as I wanted to be the cosigner for my daughter and her husband at the time. My wife and I ended up being the buyers and they told us that in six months that would change. It never happened. 
I need help! 
Thank you. 
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 explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sortis Financial, Inc.
State: MD

Complaint narrative:
ClearSpring Loan Services is reporting I owe a debt of {$950.00} on my credit report. This debt was recently taken off of my husband 's report, but not mine. Thus, I am writing to get it removed from my credit report. The company stated this debt was a result of a foreclosure in XXXX Virginia. However, my research unveiled by calling the county clerk 's office of where the property was located ; they stated the bank bought back the property for what was owed on the mortgage, thus resulting in no debt. I reach out to the debt collector many times to give me more information about the debt they claim to have. They agreed they would provide me a breakout of the debt on numerous occasions, but they never did. Each time, I kept getting letter after letter, with no breakouts. They kept making empty promises, and they continued to harass my husband saying that we owe this debt. We received a notice from them stating this : " As required by Section XXXX of the XXXX Virginia Code, ClearSpring Loan Services XXXX Inc. is required to notify you of the following information concerning the account referenced above : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX - XXXX MRT Deficiencies can not sue you for it and XXXX - XXXX MRT Deficiencies can not report it to any credit reporting agencies. '' Even after receiving this notice, they are still trying to collect this debt and it shows up on my credit report. My husband did everything we could do in terms of researching any debt and requesting the breakout of what this debt is for. I am writing because even though recently the debt was removed from my husband 's credit report, it is still on mine. I would like them to remove this debt, as there are huge question marks on the validity of this. Please help get them to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife and I had started a loan Modification with XXXX XXXX XXXX XXXX to try to get a lower monthly payment for our Mortgage. They said that in order for them to help us we would have to come up with XXXX different money payments- XX/XX/XXXX of {$1200.00}, XX/XX/XXXX of {$800.00}, and another payment of {$800.00} on XX/XX/XXXX. And on top of these payments they also asked for another amount of {$650.00} for Attorneys fees, this was on XX/XX/XXXX. We sent all the money they asked for. XXXX XXXX XXXX told us not to send any mortgage payments to Wells Fargo Bank. XXXX XXXX XXXX said that they will take care of the modification process. But XXXX XXXX XXXX never processed it. They forced us into bankruptcy. We feel that we should n't be in this situation. This is the reason why, Wells Fargo was n't receiving our monthly mortgage payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: NC

Complaint narrative:
I took out student loans with Wells Fargo to help pay for my XXXX degree. After I graduated from school, I " paid off '' both of these loans upfront in full, single payments. Months later I get a notification from Wells Fargo stating that I was delinquent on my student loans. How could I be delinquent on student loans that I just paid off?? Their student loan practices are unethical. They are making money by nickel-and-diming me by using these hidden, unfair payment tactics. I never received any " notifications '' either about the " status '' of my student loans -- Wells Fargo said that they emailed them to me each month ; this is FALSE. I have never received any such notifications from them. They know my current email address, and I have yet to see XXXX single notification from them about my " unpaid '' student loans. This is fraudulent, unethical, and greedy. I borrowed money from this institution and paid it back in full, upfront. No partial payments involved, only complete lump sums. Why is Wells Fargo doing this?? I feel violated and taken advantage of by Wells Fargo. They have completely breached their fiduciary duty as a bank. I will be terminating my account with them tomorrow.

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 2016-07-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For 51/2 years I have been embroiled with Wells Fargo Bank to keep my home. I resorted to hiring a law firm which turned out to be ineffective and questionable. The NPV which Wells Fargo completed was full of errors including the value of my home, I challenged the value with comps and a Realtor opp onion which was completely ignored by Wells Fargo. I was provided with mortgage assistance which exceeded my current mortgage payment, I paid it as long as I could all the while trying to receive a lower payment. Wells Fargo failed to disclose how they were not able to create a affordable payment. Wells Fargo also stated I reached the allowable amount of loan modifications? How? when the only mortgage assistance I received was hire than the current payment, it appears to me that Wells Fargo has been XXXX on taking my home through foreclosure. Prior to the foreclosure of my home I applied through the rentry department at Wells and complied with all of their request to save my home, however, no one at Wells Fargo responded to me and the foreclosure went ahead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
To whom it may concern : I have a XXXX XXXX Chase Visa card that was subject to XXXX fraudulent charges reflecting purchase of XXXX plane tickets originating in XXXX, XXXX. I live in XXXX, Maryland and have never traveled to XXXX in my life. The company closed the card when I notified them, and reissued me a new card. However, this week they charged me again for the XXXX flights. None of the fraud agents are able to explain the charges, and I have gone up the chain of commands and can not reach a supervisor in the fraud department of Chase. One agent said that the charge is a readjustment, but I 'm not sure why I would have to be responsible for paying anything for flight I did not take. I 'm in no way accepting liability for an unknown individual from XXXX using my card, and will not allow such a transaction to be reflected on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 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:
Currently I have a first mortgage, with about XXXX dollars un paid. I have a home equity loan from Wells Fargo of XXXX dollars and used XXXX. It was an interest only loan ; and they also became the second holder of the mortgage. In XXXX of XXXX they matured the loan and demanded full payment. I could not pay. So after a running discussion with their staff, and my submission of documents supposedly for a modified loan, which came back in the amount of XXXX, but this on top of XXXX first mortgage clearly could not work. 
I wrote them a letter saying why, and that I was just digging a deeper hole, and would they consider an amount of approximately XXXX - XXXX dollars a month. They said flat out " no '' and based it on my gross income. Did not take into account that I am XXXX years old, and while I had a XXXX, which I no longer have. My net income is XXXX dollars, pension and social security. At first glance one says, well, he should be able to do it, but taking care of house, those expenses as well as medicines, family expenses, it would be choke tight, and after a period the loan at that amount would become delinquent and more charges would be added. I paid, without fail, the interest on this loan for over XXXX years. 
Second issue, the loan was in fact predatory, in the sense that as I remember they sought me out, and must have realized when they visited that a house I paid less than XXXX dollars, a HUD house that had been vacant for many years in a shaky neighborhood, could not have been worth the value they put on it of - {$120000.00}. They seemed to know what they were doing. Now they are threatening to foreclose. On XXXX/XXXX/XXXX, I received a notice that they were foreclosing if I could not cure the default by XXXX/XXXX/XXXX. This is not something I can do. 
In our last discussion on the XXXX of XXXX, when they were pushing me to sign the modification and insisting that I pay XXXX monthly payments of XXXX each. It was sign or not on that date! But strangely, as I talked about how I came to the home equity, and that the person who came out was looking at me incredulously. We were on a XXXX-way call, and the XXXX Wells Fargo people, each uttered, at different times, more a kind of, blurt, " write off '', it was noticed because it was not tied to any discussion that we were having out loud, meaning maybe they were having the discussion in their heads. The words were out there, and I did not ask, because I, only in recalling the discussion, thought that these utterances might be significant. 
More serious is the fact that I do not have a full sense of my legal property rights on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
the pay day loan name cash net usa XXXX XXXX XXXX and I have a loan through them they took the money from me from the same account and this month they sent it back and it was return to my bank that they have my account number this cash net usa and me and my bank do n't know why they return it when it belongs to them they know they have to take it out of the saving account cause I am a scam victum which people got a hold of my account and took money out of there without my permission..they ask u for your last SSN and I tell them XXXX and if u could help me by telling them they need to resend that so my bank can get this payment to them that they sent back to them u can look it up and they want probably my email address it is XXXXXXXXXXXX my phone that 's on my account is XXXX its not working but that it was told to them and I give my cell phone to them XXXX I would like for u to help me to have them take that payment out cause I do n't want it back in there when they sent it back they have the information all they have to do is ask for the saving account which they have and they took it out on the same numbers they have they are trying to cause problems and I do n't want that yours truly XXXX XXXX u can call the bank and they will tell u to XXXX ask for XXXX she takes care of it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
so last year I had open an account with wells fargo my account was getting hacked I had to open up claims the claims were denied and all my money was gone, I went into the branch to let them know what was going on and come to find out they said that they can no longer due business with me there nothing i can do, I had got a email from XXXX let me know that my social security was out there and that I needed I need to let everybody know I let wells fargo know what happen they still closed my account and said they ca n't do business with me I was so hurt because i really loved wells fargo and i came from wachovia and i never had any problems with wachovia and for wells fargo to just dismiss me after i was hacked says they are not gon na protect me and they do n't protect there customers. after I saw that wells fargo was being sued due to people hacking into people account I let them know that i was hacked and then i was let go they basically said i still ca n't do business with them and theres nothing further they can do and basically i owe them money. wells fargo owes me my money and my name back and I want that they were doing shady business when people back was turn own up to what has been done so i can clear my name I mean its rough when banks do n't believe that its you wen accounts are getting hacked

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