vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Last week, I contacted my mortgage servicer, Wells Fargo, to have the ach payment draft changed. After several unsuccessful attempts on-line, I called in. The associate I spoke to assured me she made the changes to the system, keeping my weekly ach payment intact, but removing the additional equity of {$70.00} per payment. She confirmed the next payment ach would occur on XX/XX/XXXX for {$430.00}. Today, the ach payment of {$500.00} was made ( the full amount with extra equity payment ) not once but twice. This has left my family in a financial crisis. I immediately called Wells Fargo and spoke to XXXX of XXXX, MD ( Operator XXXX ) and confirmed the previous customer service rep did not follow the correct procedure. He states the payments will be returned to me, however this will take 1-3 days of processing and then 1-3 days to show up in my account. I do not feel this is fair. The processing and waiting times have left me without any funds for the remainder of the week and I also need to cancel other payments. I do not even know what the overages and additional charges my bank may have from the result of this error. XXXX states I need to mail my statement once i have that information. They will take some time to review and determine if they can reimburse my fees. Again, I feel this extra encumbrance to the customer for what is clearly the company 's error is not acceptable. I am lodging an official compliant and request assistance in getting this matter resolved quickly.

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 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After the XXXX of every month I receive a collections call from Wells Fargo Home Mortgage. This call is because I do n't pay on the XXXX. I have until the XXXX til a late fee is charged. I have the whole month to pay. I get XXXX calls a day! I am not behind in any payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo is reporting incorrectly on my credit report. The loan was assigned to ASC and said it would be removed. They are no longer the servicer for this loan. The loan number has change. They sent me a letter with no address for the new loan number. I have call several times and Wells Fargo has wrong information in there system. I 'm currently in a bankruptcy and the property was surrender. This should had been removed form both loan in XX/XX/2015

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 2016-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Good Morning, I would like to file a complaint against Wells Fargo Dealer Service : Account # XXXX Collateral : XXXX Toyota Camery Amount Paid : {$9200.00} Wells Fargo Dealer Services was paid in full by XXXX using Draft # :XXXX and mailed to Wells Fargo Dealer Services via XXXX XXXX on XXXX XXXX, XXXX by XXXX. Customer Receipt # : XXXX XXXX XXXX XXXX XXXX. This was signed for upon receipt at Wells Fargo Dealer Service Payment Center at : Wells Fargo Dealer Service ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Proof of tracking of payment via USPS tracking # : XXXX, which was received on XXXX XXXX, XXXX at XXXX 
This is destroying my credit as they have reported " Non-Pay '' for almost a year now. 
Please take this off my credit report. 
Sincerely Submitted, 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 2015-08-31 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services
State: OH

Complaint narrative:
called my job stating I would be served with notice for a debt, I requested to stop calls to my job and something in writing and the caller could not provide me anything. states will sent notice when debt is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My home is currently in the foreclosure process. Wells Fargo sent me an enticement that essentially asks me to make 3 more monthly payments before they will see if I am eligible for any other loan modification. Asking me to make 3 more payments before they will see if I qualify for any other loan modification is unconscionable and predatory.

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 2016-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I have a problem on credit i have identity theft on credit report XXXX XXXX XXXX municipal Credit i told the reporting agency. Their havent anything been done about im gon na file a civil law suit

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 2016-02-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
The purpose of this complaint is based on a rejected loan application to the following : Cashnetusa.com XXXX, IL XXXX XXXX XXXX XXXX Application was completed by phone on XXXX XXXX XXXX at XXXX and was rejected. 

Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My car was repossessed. The bank still reports this after the statue of limitations

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 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I recently purchased a home for XXXX. It appraised for XXXX. I requested to have XXXX removed since I have the proper loan to value ratio to have it removed. Wells Fargo sent me a letter stating my options for removing XXXX. I spoke with a Wells Fargo representative and we looked over the letter together while on the phone. She stated that I qualify to have XXXX removed, but that I need to have another appraisal done at my expense. I had another appraisal done, and the value was stated at XXXX. I received a letter from Wells Fargo stating that I do n't qualify for XXXX to be removed because I did n't make improvements to the home. This was not a requirement in the letter l initially received, and it was n't a requirement that the rep told me when I was told to order the appraisal. I want Wells Fargo to refund me for 1. ) the cost of the appraisal, 2. ) the XXXX fees that I have continued to pay while they " investigated '' this issue, and 3. ) my legal fees in rectifying this situation. I also want them to be compelled to remove 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 monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We want to know why Wells Fargo started the foreclosure process in a letter dated XXXX/XXXX/13 when we completed the list of requirement and promptly returned phone calls and made additional calls to XXXX XXXX of Wells Fargo. 
Why have n't all letter been sent to the Consumer Financial protection bureau especially the completed RMA 's with all additional information that XXXX XXXX of Wells Fargo requested, information that we have sent to Wells Fargo between XXXX 2013 and XXXX 2013, and a letter dated XXXX/XXXX/2013 that stated that Wells Fargo has referred our mortgage to their foreclosure attorney and the foreclosure process has begun. 
We would like to know why we needed the help of Congressman XXXX office to contact Wells Fargo despite our tireless effort to contact XXXX XXXX and Wells Fargo Between XXXX 2013 and XXXX 2013.

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 2015-12-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had an auto loan with Wells Fargo- originated when I lived in NY and purchased a vehicle there. I lived in VA when I paid off the loan, and received a letter from Wells Fargo at my Virginia address stating they would send me the title at my VA address. That did not happen. This week I purchased a new car and need to transfer the title to the old car, the one I bought with Wells Fargo loan. VA DMV says Wells Fargo maintains an e-lien hold on it and Wells Fargo needs to remove it. Wells Fargo says this is an issue for NY. I have no way to get my title cleared at VA DMV ; both NY and VA insist this is a Wells Fargo issue. I have been in to several branches and spent hours on the phone with these people over several days. 

I am bounced from one " team member '' to another with nobody able to help me. They are taking advantage of me and waiting for me to give up instead of fixing the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX/XXXX/2016, at Navy Federal Credit Union ( NFCU ) 's branch located at XXXX XXXX XXXX, XXXX, VA XXXX, I submitted a request for XXXX bank wire transfer to a bank account in XXXX. I was told that it will take XXXX7 business day. It 's advertised on their website https : //www.navyfederal.orgXXXX. I 've been calling NFCU since XXXX/XXXX/2016 and I was being jerked around by them since then. On XXXX phone call dated XXXX/XXXX/2016, I was told by the representative that it 'll take XXXX8 business days. I told her it 's not true and requested to speak to her supervisorXXXX. He told me it 'll take XXXX4weeks. I replied that it 's ridiculous and they 're jerking me around. He promised to get back to me on the XXXX/XXXX/2016, XXXX that he will give me a call to update the status. He never called. Another XXXX XXXX called and claimed he was assigned to this case. NFCU is unable to locate the where about of my monies and claimed that they only let XXXX XXXX to handle the transactions. There 's no way to find out the status of the transfer, except to wait for their reply. I have n't heard from them this morning. I 'm upset with the entire incident as to how can a Credit Union 's only reply to their members on this incident as they had no idea where the monies are. I really hope the Bureau is able to assist me on this incident. Thanks for your time to read my email.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Purchased my home for XXXX in XXXX/XXXX/XXXX and Wells Fargo has my mortgage loan. Interest rates were above 5.75 % and in XXXX was able to refi at XXXX. I was told it was under HARP? Now, that rates have dropped again ; I contacted Wells Fargo and an agent quoted me 3.87 % on XXXX/XXXX/XXXX ; loan balance was XXXX. After turning in numerous documents, tax reports etc., I was denied due to " debt to income '' being above XXXX %. The loan payment is {$1600.00} and the balance as of today is {$290000.00}. PAYMENTS HAVE NEVER BEEN LATE. PROPERTY TAXES HAVE ALWAYS BEEN PAID ON-TIME. PROPERTY VALUE IS XXXX. My income comes from Social Security, XXXX XXXX and City of XXXX thru XXXX XXXX who handles my required minimum distribution ( RMD ) which this year was $ XXXX+ with a balance of {$98000.00}. I showed proof of ability to increase my income by increasing the XXXX but was denied. By lowering the interest rate from 4.75 % to 3.87 % INCREASES my income by $ XXXX+ monthly. Please help. The major negative in my credit is a " shortsale '' of a Florida property that I bought in XXXX with XXXX ; that turned out to be a MAJOR financial loss for me. The property sold in XXXX. I DO N'T WANT ANY CASH OUT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My installment loan through Wells Fargo has always been paid on time with no issues for the life of the loan. In XXXX 2015 I was locked out of my on-line account and could not resolve the issue or log-in. Therefore I was not able to make my monthly loan payment on time as I always have. Prior to XXXX days late, I finally spoke to someone in person ( their automation system is horrible both on-line and via phone if you do not know your account number, etc ) and told them I mailed a check and asked specifically about it being reported late. I was told that it was noted, not an issue and I did not need to worry about it. 

A few days later I got a credit notification that I had a late payment. I immediately called Wells Fargo and had them reset my online account and paid again, effectively XXXX-paying for XXXX. I complained to my agent and asked to speak to a supervisor ( which I was hung up on ). After calling back I was told that there was nothing they could do and said to contact the credit agencies. 

I have tried disputing the fraudulent claim on my account XXXX through XXXX without resolve. I am desperate to have Wells Fargo fix their error as this lowered my credit score over XXXX points and I am in the process of building a home. They had the audacity to call me and ask if I wanted a car loan! 

This is my last step prior to seeking legal action against Wells Fargo and/or the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is concerning Account number XXXX This is concerning Wells Fargo Dealer Services. They have added car insurance in an abusive way behind the back of the consumer, being myself, although vehicle insurance exists on the account. They sent a demand letter, even though the account is up to date. They added about {$3000.00} worth of insurance to protect the vehicle, a XXXX. There has never been a lapse of insurance and yesterday in a three way conversation with the bank and the insurance company this was proven. They are going to add insurance to the vehicle unjustly for the life of the loan. I want all those charges reversed, to include other predatory charges that they invented. There could be hundreds of thousands of consumer like myself, that are being taken advantage of. I want a complete audit of the account and charges removed and reversed. the employee that I spoke to the first time did not recognize the demand letter and did not know how to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had a Wells Fargo credit card with a great Rewards Program. On XXXX XXXX, 2016 they sent me a letter, which I received on XXXX XXXX, 2016, saying I was overusing their rewards program- like making too many large purchases, and that if I did n't stop, they would close my account. I did stop immediately : I only made XXXX purchases after that, both for gas under {$20.00}. I could have withdrawn all my rewards in cash at that time, but I did n't, as I had been saving up for a trip for my family, and if I redeemed my rewards for travel, the points were worth XXXX % more. So I naively trusted their letter. On XXXX XXXX they sent me a follow up letter, forcing my account to be closed and seizing all of the value of all of the rewards that I had accrued, through purchases and through bonus sign-up offers. After I realized this, I called them on XXXX XXXX, from XXXX until XXXX, speaking with XXXX different people and many different departments. No one could help me get my money back. I never broke any terms or laws or rules. I complied with their terms to stop making large purchases on their card. In return they seized a cash value of {$1900.00}, or a value if redeemed for travel of {$2800.00}. This also adds a stain to my credit report.

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 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I submitted a claim against Wells Fargo Mortgage Company back in XXXX, 2015. My complaint number is # XXXX. 
The essential claim was that Wells Fargo Mortgage Company intentionally manipulated the appraisal for a house my wife and I were buying in order to charge us PMI. 
The Wells Fargo controlled appraisal came it at {$210000.00}. This figure was woefully under priced for the house we were purchasing. Eventually, we went to another bank and applied for a mortgage with them. Their ordered appraisal came in at {$240000.00}, which was very representative of the new house we were purchasing. We incurred a significant monetary loss by needing to reapply to a second bank at the last moment in order to save our deal. 
I submitted the details for Wells Fargo 's manipulation in Claim # XXXX. 
My wife and I wish to resubmit this original claim, in light of Wells Fargo 's proven corruption and illegal banking practices. 

Thank you for reconsideration of Claim # XXXX. 

XXXX XXXX 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 explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I want to start off by saying that I am currently a recepient of an immigration program called XXXX. I have been living in the United States for 15 years and I currently have an Employment Authorization Document and a Social Security Number. I currently have a total of XXXX credit cards with XXXX different banks. 

I am currently using Wells Fargo as my bank. I 've had a Checkings and Savings account with them for about 3 years. I 've had a secured credit card with them for about 2 years. 

When I went in to my local Wells Fargo bank to open my Checkings and Savings account, there was no issue with my immigration status. Everything went smooth. When I applied for my secured credit card, they asked me for {$300.00} dollars to open it and again, there was no problem with my immigration status. 

Recently, I went in to my local branch to withdraw some money and I was told by the teller that I was eligible for a Student Credit Card. Since my secured credit card was never graduated to an Unsecured credit card, I went ahead and filled out the application with the banker. I was told by the banker that I was approved for {$1200.00} but that it would take XXXX hours for the application to be fully approved. 

I waited for about a week before I received a letter in the mail stating that my application was not approved because Wells Fargo was not able to verify my identity. That letter stated that my application could be approved if I sent in a copy of my Social Security Card. I found this weird since I currently have a bank account with them along with a Secured Credit Card, yet they could n't verify my identity. 

I fulfilled their request and faxed them a copy of my Social Security Card. About 3 days after faxing them my SSN, I gave them a call because I wanted to know the status of my application. The representative on the phone told me that my credit card application had been denied due to me not being a permament resident. I was shocked by what she told me because like I said earlier, I currently have a bank account with them, a secured credit card and XXXX other cards with XXXX different banks and no other bank had ever brought up my immigration status as an issue. 

I would like to know why Wells Fargo has no issue with my immigration status when it comes to them receiving my money through my checkings account and they had no issue with my immigration status when they asked me for {$300.00} to open the secured credit card. They will gladly take my money and make money for themselves using it, yet when it comes to me trying to get a credit card from them, they suddenly do n't want to deal with me because of my immigration status. 

I have been living in this country for 15 years and I am trying to build a strong credit history in order to purchase a home one day. What is the issue with that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation