vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I walked into Wells Fargo on XXXX XXXX, 2016 and applied for a secured business credit card. I deposited the {$500.00} that was required to secure the credit card and was subsequently approved that same day. I was notified that the {$500.00} would be pulled from my account within 3 days and that I would receive my credit card in the mail within 7 business days. It is now XXXX XXXX, 2016 ; approximately 1 month and 15 days later and I still have not received my credit card. I have called the bank where I applied, as well as customer service, every single day since XX/XX/XXXX and I have received, literally, XXXX different reasons why I have n't gotten my card. The bank has pulled the funds from my account, however, they will not give me a date, or even an approximate date on when I will get my card. I have been dismissed and belittled and I ca n't help but wonder why. This is fraud and apparent discrimination to the highest degree. I know that this has happened to other individuals and I am going to pursue this situation to the point of a lawsuit. If anyone has experienced this same situation, or any situation that has a hint of discrimination, or fraud, please post your experience.

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 2016-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am behind in mortgage payments due to lost income. I contacted my Wells Fargo, who holds my mortgage to try to work something out. I am told I can not apply for home equity loan or other plans unless I agree to do a forbearance, and pay the total sum when requested due. I am being coerced into signing this when I have no idea what the amount will be or how much time I will have to pay it. I also must agree that if I pay less than the total amount the forbearance is void and the bank will foreclose. How is it legal that I must agree to unknown amounts and terms?

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 2015-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Every year I have to battle to not have my property tax to be assessed so high to the point my escrow cant cover the charges. It has gone up every year and not by a little XXXX. My porperty and home are not worth the amount being charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had filed a claim with Wells Fargo Bank about a mysterious {$2300.00} that was debited out of my account on XXXX/XXXX/2015. They closed my claim and never gave me back my money. On XXXX/XXXX/2015, I went in to get a cashier 's check for an entertainment lawyer retainer to start a record label. The check was for {$2500.00}. I got this because I did n't feel safe walking through downtown XXXX with that much cash. I DID NOT withdraw {$2300.00} two minutes later according to my bank statement. I DID NOT want to carry that much cash around with me and filed my claim 28 days later when it was discovered on XXXX/XXXX/2015. On XXXX/XXXX/2015 I received a letter from Wells Fargo stating that my claim was closed. I still have not started my record label over a year later because the money that Wells Fargo took and never gave back, was supposed to be for filing my " 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 2017-03-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a vehicle loan through Wells Fargo that I am paying off.every time I pay a large sum at one time they introduce a payment cap. Fest I could not pay more that {$560.00} at a time, now I can not pay more than {$460.00} at a time. They are forcing me to pay unnecessary interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo some time in XXXX and was offered cheaper and more convenient insurance which would be taken out with my monthly payment. I thought it was a great idea until I discovered I was lied to and this insurance only covered the bank. The policy started XXXX/XXXX/XXXX which covered XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$910.00} which they debited unknowingly to me on XXXX/XXXX/XXXX. After 3 months they increased my monthy payment from XXXX to XXXX for 10 months which I believed to be correct. ( Not knowing they also debited {$910.00} ) After I discovered they lied to me about being covered they debited another {$840.00} on XXXX/XXXX/XXXX ( again without my knowledge ) for XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I found alternate insurance from an honest company which went into effect on XXXX/XXXX/XXXX. Wells Fargo correctly credited me {$510.00} for the remainder. However, they now increased my payment again to XXXX without an explanation. On XXXX/XXXX/XXXX I requested a refund for XXXX plus {$66.00} XXXX XXXX XXXX XXXX XXXX ... they denied the request. I do n't know where else to turn after being lied to so many times prior. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012, XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2015-05-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was an Authorized user on a Navy Federal Credit Union ( NFCU ) Credit Card the account went in default, I requested that all XXXX major credit bureaus remove this negative information from my account because NFCU refused to do so even after they acknowledged that I was only an Authorized user. XXXX and XXXX removed the negative information immediately. XXXX will not remove any negative information regarding NFCU I have tried twice with no luck please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX, Wells Fargo allowed this unauthorized charge to come out of our checking account:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called Wells Fargo immediately and also called the XXXX number listed above. It turned out to be loan servicing for XXXX XXXX financing - XXXX XXXX. XXXX XXXX researched the charge and found that the charge went through ACH and was supposed to be a payment to them from their customer XXXX XXXX XXXX who has the same bank account number but a different routing number as we do. We made a three-way conference call with Wells Fargo and XXXX XXXX to explain the problem the same morning we discovered it - XXXX XXXX. XXXX from XXXX XXXX explained to Wells Fargo that this should n't have been charged to our account and we explained it but Wells Fargo refuses to even give us provisional credit for this huge amount of money they allowed to be withdrawn from our account. XXXX days later, we 've called them almost every day and still no refund. Please help us get our money back. By the way, we have had accounts with Wells Fargo for more than 15 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This a Notice of Default because Wells Fargo failed to respond Wells Fargo has failed to produce and respond to 5 ( Five ) Qualified Written Request and the Verified Affidavit from XXXX XXXX XXXX sent to them in 2016 regarding the issues that were found In the assignment that were sent through Consumer Financial Protection Bureau, XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, Office of Comptroller of the Currency, US Department of Justice and XXXX XXXX XXXX Furthermore, Wells Fargo has not adhered to the OCC Consent Order and has violated consumer protection laws.. Until the issues raised have been resolved indefinitely, XXXX, XXXX and XXXX XXXX and Wells Fargo, need to postponed and a cancel of the sale slated for XXXX XXXX, 2016. 
They are violating the Fair Debt Collections Practices Act I 'm enclosing the recorded Verified Affidavit from XXXX XXXX XXXX and Qualified Written Request.

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 2017-03-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
naver open car loan with wellsfargo bank it is a fraud account for 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 2016-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo is reporting to the credit bureau that I have XXXX missed payments and that my account is closed??? I have paid any past due balance and my account has been current since XXXX XXXX. They are not reporting this to the credit bureaus. Also, they are stating that it is part of my bankruptcy when they were released from ( reaffirmed ) at least 4 months ago. 
Also, they are continuing to charge me PMI on my loan even though my loan started in XXXX and this was suppose to be done after 5 years. They are telling me now that my loan has to be at {$79000.00} before they will remove the PMI payment??????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This company by the name of XXXX. contacted XXXX family members ( XXXX my children ) with threatening information disclosing my debt and leaving information stating that I was going to be turned over to XXXX County Texas for fraudulent instrument, fraudulent bank information, litigation status. As you can imagine this caused great imbarassment to me as they disclosed this information to both of my sons and my daughter-in-law. The person that made the calls was XXXX XXXX, she left a number XXXX ext. XXXX. I returned the call and spoke with a person named XXXX, who was extremely rude and hung up on me. She informed me that they were a mediation service and that she was allowed to contact my family members at least once a day, and would continue to do so. She alsoi informed me that the amount of my debt was 2,000.00 plus dollars for a XXXX debt. I attempted to make arrangements with this company to pay this debt and told them to send me proof of debt by mail and was told that they do n't do business that way, I offered to make small payments, which was all I can afford, and they said it was n't enough, that it had to be in XXXX large payments. This XXXX informed me that my debt was switched to a different debt collector every 6 months to make sure the debt does n't drop off and continue ruining my credit. I asked them not to contact my family but she told me they were going to continue to do so. I informed her I only make XXXX per hour and can not afford to pay a large amount, to which she informed me I should n't go around making debt. I have never been so insulted and bullied in my life. I am a divorced XXXX yr old woman that lives alone and is trying to make a living. I am doing the best I can and do n't need harassment from these people contacting my family members.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Quall Cardot LLP
State: CA

Complaint narrative:
I need to negotiate my debt to as minimum as possible. I 've try bringing it lower do to my financial hardship.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I co signed on my daughters student loan some years ago. She stopped school and I encouraged her to realize the loan would become due and to setup a repayment plan. I went into bankruptcy in XXXX but continued my own student loan payments. I assumed she was taking care of hers. My attorney listed the debt and said it would be " taken care of '' ( all my own payments were on time ). I ended bankruptcy in XXXX XXXX and the case was soncluded XXXX XXXX. I found out the loan was in default via a phone call from the collection dept and this was XX/XX/XXXX. I verified my daughter knew and was unemployed. She would get back to them. XXXX XXXX XXXX the collection agency of wells fargo took {$3600.00}. from my account via a " written check ''. I called and they said they would give back some of the money {$1400.00} but it never happened. Wells fargo cant help me as they say its a separate department and they do what they want. Now I have a direct deposit and my tax refund coming. even though they say they wont take these it appears they lie because they promised my funds returned by Tues XX/XX/XXXX.. My income has been reduced by half. Im 6 years away from retirement and losing my vision so I do worry about how long ill be able to work. I need that money.

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: PA

Complaint narrative:
On XXXX XXXX, 2015 I sent the following letter to Wells Fargo in XXXX XXXX, Iowa requesting detailed information about my escrow accounts : XXXX XXXX, XXXX : Escrow DepartmentWells Fargo Home MortgageXXXX.XXXX XXXX XXXX, IA XXXX Sir or Madam : I request a complete and itemized break down of my escrow payments withheld from my WF mortgage payments going back to the very beginning of our association. 

Please include in your letter ALL escrow you have charged me, including property tax escrow and their individual and separate totals to the present date. 

Please include an itemized and dated list of ALL charges related to escrow of all kinds and any pertinent copies on this subject. 
I expect a reply in letter form within 10 working days. 
Thank you in advance for your time. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; I mailed that letter to Wells Fargo on XXXX XXXX, 2015. 
Federal law states that I have a right to a reply within XXXX working days, XXXX XXXX, 2015. 
On XXXX XXXX, I got a letter from Wells Fargo telling me they would reply XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the requested information PERIOD, let alone within the time limit. 
I demand that Wells Fargo BE SITED AND FINED FOR THIS VIOLATION, and I be compensated for the violation of my rights. Wells Fargo had a long history of illegal violations. The Consumer Financial Protection Bureau has been informed of their practices and have done NOTHING at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please consider this a tri-fold final written request for validation and formal request under the Fair Credit Billing Act for a full accounting of all records for any and all accounts types regardless of within the your companies possession that are connected to the above referenced account numbers or, anything related to XXXX XXXX Additionally, I am requesting deletion of the trade line from my XXXX credit report if you are are unable to produce records per FCRA 623. within 20 days of receipt of this letter. This is my final request for you to respond with proper validation. Please cease and desist all collection activity and reporting on my credit reports. 

SEE ATTACHED LETTER SENT CERTIFIED MAIL. 

cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA 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 2017-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
The company keeps reporting me as late but i have asked them to Close this account in XX/XX/2014 as i can not pay it yet they still ahve not closed it and charged it off as asked.

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 2015-04-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
RE : Reference # XXXX Complaint XXXX/XXXX/2015. Please do an extensive investigation. I checked my checking account XXXX/XXXX/2015 to find my refund from my credit company has been put into my savings account, which was suppose to go to my checking account! My credit card company does not have my savings account number nor did I give it to them, I have proof. This tells me that someone at Wells Fargo Bank is fraudulently going into my account posting transactions and taking money out. PLEASE HELP ME AND FIND OUT WHO IS DOING THIS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
hello my name is XXXX XXXX recently i walked into my bank and requested to stop payment on my my bank account with wells fargo, the bank teller said she will close out my old account and open me another account and all of my reccuring payments to any company will stop since they will not have my new bank account number. wells fargo also sent me a letter saying i have to contact a list of companies if i would like for them to debit my account every month as they did on the old account. well i never called any company and disclosed them my new account number but somehow wells fargo let XXXX XXXX ach withdraw out my account for the sum of {$2300.00} even after i told them to put a stop payment on my account and the teller said she would close out my old account and open a new account to avoid the ach withdraw. i gave XXXX authorization to debit my old account but i didnt give them permission to debit my new account. this is totatlly violating my rights as a consumer.

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 2015-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a home mortgage with Wells Fargo Home Mortgage ( I did not apply for a mortgage with Wells Fargo, they acquired it ). I am paying bi-weekly with additional principle added to each payment in an attempt to pay my mortgage down as much as possible before I retire in approximately 13 years. Recently ( last 6 months ) Wells Fargo has let this additional money accumulate in an " Unapplied Funds Balance '' and does not apply it to my loan balance. In XXXX I called and complained when the Unapplied Funds Balance had reached {$3500.00} ( enough for XXXX full payments ), and they finally applied the funds. Now on my XXXX statement the Unapplied Funds Balance has reached {$2600.00} ( XXXX payments ). I believe this additional money should be applied to my principle and is costing me interest charges. 

I also believe this action by Wells Fargo is intentional as a result of a previous home mortgage that they held ( acquired ) on a previous house of mine that resulted in foreclosure because we were {$80000.00} underwater on the house value after the 2008 crash and my wife 's XXXX diagnosis which resulted in her going on XXXX. We are currently in Chapter XXXX Bankruptcy as a result of this foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.

Company response to consumer: Closed with explanation