vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2017 I checked my XXXX account and noticed that Trans Union had removed all of my collection accounts ( 4 ), removed all of my inquiries ( 8 ) and illegally reinserted them back onto my report without first notifying me, in writing, within 5 days. TransUnion states that all of that activity took place between XX/XX/2017. They have violated the FRCA laws for not notifying me within 5 days of re insertion. Attached are screen shots of all the illegal activity they performed. I have contacted TransUnion via telephone and spoke with a representative, who was very rude, about the deletions and reinsertions and how they did not notify me via writing that they were reinserting the accounts. The representative basically told me that they didnt do it and called me a liar. When I asked to be transferred to a supervisor, I was told that there was not one available and was hung up on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The loan payment is due each month on the XXXX and the loan is interest free for 12 months. The loan was for XXXX XXXX XXXX. If payment due on a Sunday I pay the amount by phone on Monday, they charge me {$37.00} late fee! I tried paying online and there is no opportunity to do so! I called twice and was told if not paid exactly on the XXXX, I will be charged a fee. Please help, I have had credit since a young woman and never heard of anything like this before!

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 2016-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We refinanced our home and closed on the financing XXXX XXXX2015. Our attorney has her bank statement showing the wire was sent and posted on same date.We have numerous letters in our possession. Wells Fargo collected two months of XXXX Mortgage Insurance ( total of {$530.00} ), XXXX for XXXX and the other half for XXXX. Letter from WF dated XXXX XXXX. 2015 states that only XXXX check for Mortgage insurance was forwarded and the other not paid out. After not hearing from WF i sent a letter Dated XXXX. After XXXX telephone from WF employees,, i wound up with XXXX different stories and non made sense. They are refusing to issue os a check for {$260.00}. They said that that amount was included in our escrow check, but it wasn't.We are retired a couple living on a fixed income and the money means alot to us. No one should go through what we have gone through the stories told by the XXXX employees involved.Please help us. Thank you. we have full documentation on this matter. Please help us.Thank you

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 2015-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
So recently I have checked my Bank Account and found out I have a negative balance worth over {$500.00} from Wells Fargo. I am furious of the fact that they have never mentioned me about the overdraft protection fee when I signed up for Wells Fargo Debit card back in XX/XX/XXXX. I feel as if I have been taken advantage of just because I was still young at the time and I did not understand the whole concept of financial responsibility. It turns out as I checked through my previous months record there was also an reoccurring overdraft fee XXXX {$35.00} XXXX. I assumed a Debit Card was a card where you can use it as long as you have money in it and if you do n't happen to have enough money it wont go through. I recently found out about a overdraft protection fee yesterday and heard it for the first time. As I added up the total overdraft fee from last couple months of XX/XX/XXXX to present day it is estimated to be over {$1000.00} which I have paid without knowing any prior knowledge about " overdraft '' fees and this is just from late XX/XX/XXXX through present day. I strongly believe there were cases before XX/XX/XXXX where they charged an overdraft fee and I want to know how much they have charged me and want all the money back. I do not have an income and plus I am still a student in college working at a part-time job that only pays {$280.00} bi-weekly. I am upset and furious as a customer of Wells Fargo knowing that I have not been notified about overdraft penalty and taking advantage of me just because I was a student and young at the time. I am requesting Wells Fargo to give me back all the money I have given them ( overdrafts ) this past few years since I was a member of Wells Fargo XXXX XX/XX/XXXX-present ). This is not fair and I have done research myself and Wells Fargo seems to be known for their overdraft " scheme '' to customers if I may say. I am a customer from a low income family, accepted loans for education, and have a part-time job that can not pay off the negative balance I have with me right now. Again, I am furious and upset as a customer of Wells Fargo and want them to return the money back to me regardless because I have not been notified about overdraft protection the day I signed up for a Debit Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We recently refinanced our mortgage from an FHA loan to a conventional loan. Our loan was paid in full on XXXX/XXXX/15 and was expecting a refund of some interest paid since the payoff was valid until XXXX/XXXX/15 however my previous lender has told us that we are not entitled to any refund. I was very unhappy to find out that based on when our original loan documents were signed that interest is due on a monthly basis when a payoff is made and there is no per diem given. Apparently this policy is now changed since this process was found to be like a " prepayment penalty '', but I do not qualify under this change. I think this is very unfair to be charged almost a full month of interest when I really do not owe it! That is XXXX dollars that I will not be seeing back and I feel that should be changed. Why should we be penalized based on when our loan originally funded when the rule has now been changed!?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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:
In 2008 we left XXXX and retired to XXXX. Therefore, we closed out our Wells Fargo deposit box. We took all the contents with us in our move. We naturally expected that since we closed our box we would no longer be charged for it. However, we have found over the succeeding eight years that we have been charged for this closed deposit box. We have sent many email and phoned numerous times over the years but have were told it would be taken care of. It never was. We continued to be charged for a box we no longer had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for a loan modification and was denied but I never received a denial letter. I hired an attorney to represent me and he filed the application and followed up with the bank and they told him that I was denied for income issues and that a letter detailing the denial and allowing for an appeal would be sent out. This phone call was on or about XXXX XXXX, 2016. He was told that the letter was dated XXXX XXXX, 2016. I called XXXX XXXX, 2016 and was told that I was denied because I did not submit enough paperwork. Never did I receive a letter saying additional paperwork was needed. In fact the file was submitted for decisioning and the decision was supposedly made based on an income issue. In the middle of the decisioning period my home preservation specialist left the company. My attorney was told on the phone on XXXX XXXX, 2016 that the foreclosure was suspended and my loan modification was in an appeal status. On XXXX XXXX, 2016 the bank said the sale will go forward and the loan modification was denied for lack of documentation submitted. Wells Fargo is not allowing me a chance to review their decision and I am going to lose my residence. I have attached all of the documents that were submitted and considered as a full file. The only document that was requested after the initial documents were requested was my tax return which I provided. This was because the XXXX that was provided by America 's Servicing Center was rejected by the IRS. If I was rejected because of my income I know I deserve a chance to appeal. My attorney was given specific income information that was the basis for the rejection. The representative informed my attorney that my DTI was above XXXX %. I know that I have a right to appeal that decision. To then attempt to convert that decision to a failure to provide documentation decision if bad faith and a failure to live up to their obligation to negotiate in good faith with borrowers.

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 2016-11-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An unauthorized line of credit was opened up without my consent. Someone has been using the line of credit, and also set up a monthly automatic payment from my Wells Fargo Checking account into the Wells Fargo line of credit. I have filed a fraud claim with Wells Fargo, but they have denied my claim. There were XXXX large deposits made into my checking account, and then transferred to the line of credit. The deposit slip was signed, but it is not my signature. Wells Fargo has copies of my signature, which doe snot match the XXXX signatures on the deposit slip. Wells Fargo insists that I made these XXXX deposits and are using this as a reason to deny my claim. I have asked for the Wells Fargo to review video tapes since they claim the deposits where made in a branch, and they have refused.

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 2015-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Back in 2009, I was hurt at work and was given a settlement of {$4000.00} in the form of a check. I then took the check to Wachovia bank to cash. I ended up opening a checking and savings account putting about $ 500- {$800.00} in checking and {$2000.00} in savings. Within a month i spent all that was in my checking and in turn had to transfer funds to my checking from my savings. I lost track of the fees that were accumulating everytime i transferred and before long I was {$300.00} in the negative. All due to fees. Shortly after Wachovia gets bought over by Wells Fargo who I have an account with now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
The client 's mother passed away. She provided the death certificate and deed showing that the house was in her name. We asked for an assumption and modification of the loan. It took Wells Fargo months to even code that the borrower had died and they refuse to accept the deed as proof of ownership and pursuant to the law provide an assumption.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I am having an issue w/Well Fargo Nat'l Bank @ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX in that I recently p/o my debt to them IN FULL, in the amt. of {$48.00} & $ XXXX, XXXX separate chks. I mailed the chks., w/the bill a FULL days days ahead. The bill was due XX/XX/XXXX, they have repeatedly held my chk. to be able to stick me w/a LATE FEE & in this case, in addition to the late fee, chg. me INTEREST, as well. I just rec 'd a bill in the mail for {$71.00} & they have closed my acct. They are a horrible bank to deal with! I am a recent widow & only get pd. once mo. & send all bills currently due the XXXX of every month. I have sent them a letter, stating my complaint & that I am contacting the FTC. I have NO plans to pay for the late fee nor added interest. These institution is schiestering people constantly - I have had enough of it. I hope you will contact them to dispense these bogus fees, please!!! 
Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXEmail ; XXXXXXXXXXXXPS- You may respond to me either in writing @ my address above or my email. Thank you for your time & cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A person named XXXX, from Wells Fargo Dealership Services, keeps leaving messages for me at my father 's home and on my nieces cell phone. His message is to call him at XXXX. I have never been called directly. The problem is, I do not currently, nor have I ever had a car loan with them. I do n't even have a Wells Fargo bank account. 

When I return the call I am told there are XXXX XXXX at the office XXXX claiming not to be the caller. When I tell them I ca n't give an account number because I do n't have an account, I 'm then asked for my SSN. I refuse to give them that information as, if I indeed had a loan, they would have it on file. I have always given them my legal name when calling. ( Which, by the way " XXXX '' spelled incorrectly on his initial messages. ) They 've never been able to pull up any of the phone numbers they 've left messages for me on yet they continue to call them. In trying to get this resolved, I 've been left on hold for up to 20 minutes only to be hung up on. I 've left messages for a supervisor with no return call. 

I have never requested nor received a car loan from Wells Fargo. 
Every vehicle I own, I paid cash for. Wells Fargo has made no attempt to resolve this issue even when I call to speak to them. The one time I did speak to someone " semi helpful '' I requested the calls be stopped. She assured me they would be since she could n't find anything under my name. I do n't even know how they got my father or niece 's, out of state phone numbers in the first place. They keep harassing my family to collect a debt that does n't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Hi. I used XXXX to find the best rate for a personal loan to make some repairs on my home. Netcredit was one of the first people to contact me so I started an application with them. And regret every second of it. I have contacted them several times cancel the application because when you get to the end of the application it asks for your user name and bank password. In this day and age I am not confortable with that especially when the fine print says that the third party agency is my accounts POA and they can monitor and access my accounts anytime. I let them know they can call to my bank and get the records straight from them or I can fax them. I had a XXXX and now its a XXXX Who gives someone with that score 65 % interest rate on a loan? Let alone a non authorized hard inquiry. These car title loans and high interest loans should be shutdown because they are all profit base to the company and put strain on the borrower. I am not going to stop here with this issue. I will be writing several state officials and local government in my state to stop this robbery that is allowed to happen everyday. The only reason I am so adamant about this is a couple years ago my credit was n't so good and I had to take a title loan. I almost lost my car and job trying to pay the loan back. I had to take money out of my 401k to pay off the amount. I payed it off in 1 year and none of the history on the account shows in my credit report. The Netcredit acoount # XXXX was never authorized to go through and should have never been a hard inquiry because I did not agree with their terms for the loan and they refused to call my bank saying the only way to complete the loan is to put your bank login and password and pray. Please if there is anything on my end that can speed this process up just let me know and I will make sure it 's taken care of within 24hrs. Thank you and I hppe we can resolve this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
We have a XXXX American Express Card and we get an annual rebate on XXXX Purchases made with the this card. We have switched all of our statements to be received electronically and so we do n't get any statements. Last year, we were in the process of moving and they sent a paper statement with a rebate of over {$1100.00} to our house. I am not sure if we ever received or if the statement was thrown out opening since we have everything electronic and it may have looked like junk mail. Either way, we never used the rebate check. As I said, we were busy moving and realized in XXXX that we never got the rebate. We spent hours on the phone with both Amex and XXXX and they both said that it was too late to do anything. Amex credited {$41.00} of the {$250.00}! I complained and said that they should automatically apply the credit instead of sending a physical check, especially when you do n't receive statements. They said that was possible but you have to call them in advance to make that change. They were not helpful at all. That was money that we earned from spending a lot of money at XXXX and we get nothing in return! My recommendation is never use this XXXX Amex Card!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
This is in response to Wells Fargo answer to my Case number XXXX I think, due to the size of their file, I can not sbmit my Disputing their reply. Here it is. 
Wells Fargo has lied and what they have done is ILLEGAL. 
XXXX They say they have filed a complete chain of Assignments with the Court BUT : Court Documents filed State of Hawaii Documents filed XXXX. XXXX/XXXX/XXXX Assignment of mortgage XXXX. XXXX/XXXX/XXXX Assignment XXXX Corporate Assignment XXXX Assignment XXXX. XXXX/XXXX/XXXX Assignment grantor/grantee XXXX. XXXX/XXXX/XXXX corrective assignment XXXX. XXXX/XXXX/XXXX corporate assignment ( invalid due to Robo signing ) XXXX. XXXX/XXXX/XXXX corrective assignment Nowhere, in the chain of assignments, do they show that on XXXX/XXXX/XXXX XXXX sold the Mortgage/note to XXXX XXXX and then on XXXX/XXXX/XXXX XXXX sold the mortgage/note to XXXX HOME MORTGAGE. They LIED. Nowhere do they show how XXXX came to own my mortgage/note. 
XXXX TILA was violated in that I was never notified of any of these assignments. 
XXXX The Pooling and Servicing Agreement ( PSA ) was closed when they say my mortgage/ note was transferred into it. Therefore all subsequent assignments are invalid. It is ILLEGAL for U.S. Bank to represent themselves as owners. Wells Fargo dismisses this as nonsense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was trying to claim a fraud with Wells Fargo - my bank and they would not assist me. 
I have deposited a check on my account and month later the money was withdrawn from the account and returned to payee. I was explained that the money was deposited XXXX, XXXX deposit was in XXXX. I do n't have an account and I feel that this is a fraud. The payee does n't want to act as money went away once and my bank does n't want to investigate this case further.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
NC Financial Solutions of Utah, LLC d/b/a NetCredit ( hereafter " NetCredit '' ) is loaning money to consumers in XXXX and charging an annual interest rate of 150 percent. XXXX. Code Ann sec 6.2-1501 ( A ) requires consumer finance companies charging a rate of interest in excess of 12 percent to first obtain a license from the XXXX State Corporation Commission . NetCredit is not licensed as a consumer finance company by the XXXX SCC. 

When questioned about the above, NetCredit claims that their XXXX license authorizes it to make loans to XXXX residents. ( 1 ) Utah does not even license this kind of business. Businesses are merely required to give notice if they are conducting this kind of business in XXXX. ( 2 ) NetCredit is a XXXX, LLC with its offices in XXXX and, as near as I can tell, no physical locations in Utah ; and ( 3 ) XXXX absolutely has the right to statutorily regulate loans made to its residents. 

XXXX Code Ann Sec . 6.2-1541 provides that loans made in violation off sec. 6.2-1501 are void and NetCredit is obligated to return all principal, interest and fees paid by me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation