vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: United Check Recovery Bureau, Inc.
State: WA

Complaint narrative:
I received a call today from a " XXXX XXXX '' at UCRB - no website exists nor address. They said something about an unpaid debt/ bad check? I looked on my credit report that shows nothing associated with them. I XXXX the phone number and have been reading up on all the threats and nobody can seem to find out anything about their debt or who the company is. If it is a legitimate company - they are contacting family members on their first attempt of contact. I have not received any notifications via mail and my bank account has a zero balance and has been closed since 2013. Please look into these people. They are preying on a lot of people and making phone calls to people 's work, family members, friends, etc. Also, XXXX stated that they are " sending a courier unless I call back and make payments to them. '' Sounds extremely sketchy and these people need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Dear Sir/Madam : This is letter in reference to my denied credit card application with NFCU due to the status of my checking account. 
On XX/XX/2016, I applied for a credit card with NFCU via telephone. During the application process, I asked the female customer service representative which credit reporting agency does NFCU use and her response, " XXXX ''. 

Recently, I checked my credit report as I often due when applying for credit, and I noticed NFCU never pulled my credit. I received a letter of denial, stating Extenuating Factors Exist Regarding Your NFCU Account ( S ). ( Primary ). 

On XX/XX/2016, I contact NFCU about the denial letter and asked XXXX, the customer service representative. " How was I denied when my credit was never pulled? What was the purpose of the application process? '' The CSR response, " I see you have a garnishment on your account '' and that 's the reason for the denial ''. My response, " I should 've been told this before the process of the application because this is misleading the member. So, I waited over one week for a response when you 'll never pulled my credit and already knew that I was n't going to be approved ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo intentionally acted in a personally biased way against my wife and l. 
This is evidenced by the letter we received from Wells Fargo, where the letter of about XXXX small paragraphs on half a page, referred to our notice of serious health issues. 
This was unnecessary to mention at all, it should not have played any part in their decision making process. The context of their message was in a sneering fashion, clearly biased against us. They know l am XXXX years old, XXXX. Nobody so ill wants such a response from anyone- and certainly not from people at a major bank like Wells Fargo or it 's employees. 
It is an essential part of recovery that a positive perspective is kept, that becomes impossible when Wells Fargo employees wrongfully act with bias against individuals that have serious medical problems.

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 2016-07-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When applying for a loan to refinance my home I received what I felt was an unfair home appraisal. When I explained to my loan officer something seemed way off as there was an approximate {$50000.00} difference I was left to believe I could fight it but they rarely get overturned. After receiving a copy of the home appraisal to review 6 days later in the mail I immediately sent an email the following day stating the issues that I found and requested they look into the discrepancy. I was contacted by an escalation team the following day only to be told my loan was closed and that I needed to fill out another application. I questioned what the timeframe was to dispute an appraisal and have been waiting 4 business days for a response. I have requested to speak to a manager several times however the associate told me they would not be contacting me until they get an answer from their underwriter regarding the timeframe to dispute a loan. After listing my concerns with the loan officer to the escalation associate and stating I refused to work with them further and requested a new loan officer be assigned to me I was still told I needed to work with my current loan officer to fill out another application. The service has been the worst I have ever experienced.

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 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This company is reaging on old debt and making false and illegal statements on my credit report. 

1. Inserted false age as last day of usage on credit report 2. Reporting late payments on current credit report for an account last used any activity in XXXX 3. Has reported late payments for entire year of XXXX on an account that last payment was in XXXX 4. Reported false payments made on account 5. This company never provided legal proof off usage off the account for the the years of XXXX or XXXX ( but is reporting usage ) 6. They state that they will report until XXXX XXXX, and account was due to stop reporting XXXX XXXX 7. Reporting this false info on XXXX accounts ( original Leander and buyer )

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 2017-01-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On Thursday XXXX/XXXX/17, I deposited {$8600.00} into a Wells Fargo account for a job, not knowing that it was all a part of a job scam involving fraudulent transactions and counterfeit checks. On Saturday XXXX/XXXX/17, I visited the same bank where I made a deposit, informed a banker of my situation, opened a new checkings account and had my banker file a claim in order to retrieve the funds. After all this, the account where the funds were sent was blocked and Wells Fargo would begin conducting an investigation which would lead to the {$8600.00} being transferred into the new checkings account so that the overbalance in another account would be resolved. On Monday, I wished to learn about the status of the investigation and after being transferred from department to department for about two hours, the representative I talked to was n't able to find my open claim and I had to start a new claim, even though representatives from previous calls that same day could see my open claim. I would like for Wells Fargo to keep me informed about the status of my claim so that I can have these issues resolved in a timely manner and not be forced to wait longer than I should because of their mistakes.

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 2016-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Dear CFPB, Thank you for handling my complaint with Wells Fargo. My complaint # XXXX and after submitting my complaint, I sent a letter to you to add to my file. I see that it did not get added so basically this is what WF replied. 
I had a 30 year loan with 11 years of payment history. My son has been handling this as I have been ill so this is what WF came up with and I believe that this " modifacation '' is not what the HAMP program was thinking of ... but leave it to WF to figure out a way to get them more money and me further in the hole. 
They modified my loan as this : They extended my loan to add another 10 years to it with the same 5.6 % rate and a reduction of my payment from {$1500.00} to {$1400.00}. 
I hope that you will see that only WF is gaining from this modifacation. By extending my loan out another 10 years, my loan will never get repaid as it will take me another 11 years ( or more ) to get the interest paid down before I will actually be paying on loan, not the interest. 
I do n't believe this is what the HAMP program had intended and because WF is in control of the modifacation and likes it this way, this is the only modifacation they are offering. I have no recourse. 

My son signed me up for it, but I am protesting this loan and need your help to get this rectified. 
Since this has happened, and my loan payment is still pretty high, I have been unable to make my credit card payment and my credit score is now in the poor range. I will never be able to requalify for a new loan, so I need them to go back to my 2015 paperwork and use that and not request new credit info. 
I actually believe my only way of receiving any assistance is to take them to court. 
Please, if you can help me CFPB ... I would be truly thankful. 
Best regards, 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 2016-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
A representative of G C Services contacted me, on my cell while I was at work, and stated that I was listed a reference and asked for the contact information for another person. I asked what it is was in reference to and she said she could not tell me. I then asked the name of the company, which she gave, and asked what type of company it was. She said that she could n't tell me. I then asked for their company 's web address and she provided me with an incorrect website. When I told her that was n't the correct website she provide me with a different website. At first I offered to pass along their number to my friend, but then told her that I would not pass along the message because she could n't tell me what I was listed as a reference on. She told me she could n't tell me or even what type of a company they were, but that I could look it up. I did exactly that out found out that they are a collection agency. I told her that she was using very deceptive calling practices when she implied that she was calling about a reference. I told her that they were a collection agency and that I was not authorized to give out any personal or work information. She then asked if I could pass her number along and ask my friend to contact her, which I again refused. I asked her to remove me from her calling list and to not contact me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In or around XX/XX/XXXX or XXXXWells Fargo Home MortgageSent a letter stating we were behind about ( 3 ) months we promtly made copies and faxed receipts to them. 
We were told by a lady named XXXX '' Oh MY there is a discrepency here we need to further investigate '' Up untill XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) Everything was fine. 
We were notified by mail and by phone we were behind {$2800.00}. We again faxed all documents and receipts as well as got {$3000.00} In money orders. ( XXXX XXXX ) ( XXXX ) {$500.00} XXXX XXXX Money orders. And sent in as well for their feesWe were again, notified That house was up for foreclosure sale. 
We promptly called and the excuses I got are as follows1 ) we did n't know where to send them ( which dept ) 2 ) you did n't send enough3 ) our computer did n't recognize the $ XXXXincrement4 ) I 'm not sure where your money orders even are.I think they got sent back to you! 
since that time Wells Fargo Home Mortgage. Has caused me to file bankruptcy because of these. Mishandling 's of our payments, I again may have to file bankruptcy. 
Wells Fargo Home Mortgage Has NO BUSINESS handling people 's money! 
They. Have not only lost 7 months worth of payments they also lost $ XXXXTheir incompetent and irresponsibility has caused undue emotional distress, caused my credit to be destroyed. Has caused financial hardships and countless other things. 
I can not get another home loan due to their mismanagement of funds ( payments ) I recently found out they are trying to foreclose on our home yet again. 
Something NEEDS TO BE DONE ASAP!!! 

Thank you for your timeXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We received a mailing offering a HARP loan conversion for our conventional 15 year mortgage with Wells Fargo. After getting this notice we called the loan agent listed and made an appointment to discuss an application. The mailing stated that no appraisal was needed and the loan could be provided with no costs. A credit report would be ordered and if that was adequate a refinance from 5.65 % to 2.75 % would be granted. Since we were XXXX and our income had dropped substantially we were told we did qualify for the program. Then after a period of time we were notified by the agent that they changed the terms, that an appraisal was needed, and we paid {$790.00}, an inflated price for the appraisal. Then we were informed that the agent was required to visit our home and make an inspection. After several years of perfect payment history, credit reports with XXXX plus scores, we were then told the Wells Fargo wanted us to make a conventional application with the usual closing costs. This was strictly a bait and switch. Two years after making the application we were sent a letter saying we did not comply.

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: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XXXX of 2012, I had applied for an Dillard 's store credit card. I had never used it. In early XXXX of 2013, I had lost my wallet at a movie theater. I reported the card as lost/stolen to Dillard 's and XXXX XXXX who the card was financed through. I did not want a new card as I was unemployed as of the end of XXXX 2012. 
Apparently at some point, this XXXX XXXX card was converted to a Synchrony bank card and there was a balance after it was reported stolen. I started receiving collection letters from a company called XXXX XXXX XXXX. They stopped collection after I sent a copy of the FTC Identity theft complaint to them and to Synchrony Bank. I had assumed everything was settled at that point. Now I am receiving collection letters from a XXXX XXXX, XXXX collecting on the same debt. 
XXXX XXXX, XXXX is not even licensed in the State of Tennessee for debt collection. I have filed complaints regarding this as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I made a deposit in my savings account at a Navy Federal Credit Union ATM. I went to withdraw some money from my account a few days later at the ATM and the transaction was denied. The receipt read, " do not honor. '' So, I called the credit union to find out what was going on. I was told by customer service that after reviewing my account, nothing was wrong. Later, I attempted to make a withdrawal again and the transaction was denied again. I called back to customer service a second time. I was told that my account was frozen because of fraud. I had to ask what felt like 10 times, what fraud had occurred exactly? Only after becoming irate, I was told that a {$1700.00} deposit was the issue. Last time I checked, I 'm free to deposit and withdraw MY money as I see fit. Since when did deposits become fraudelent??? The rep. tried to dismiss me by saying the individual who had done this to my account was off so, nothing could be done. I escalated the situation to a manager who refused to give unique identifiable information about herself, like her name. She told me I needed to go to a branch to show identification. I told her I WILL NOT be doing that. She thought she could remedy the situation by rationing my own money to me and offering to XXXX XXXX me {$500.00}. I vehemently declined. I told her what she could do was remove whatever block is on my account so I can access MY funds the way I see fit because there is nothing fraudulent about a {$1700.00} deposit that was made at an NFCU branch ATM WITH a card AND pin # that I am confirming I completed! She refused. In another attempt to resolve this matter, I called back to speak with someone from the board and all that information was denied. At this point, I have been unable to access my money for almost a month, which has forced me to have to borrow cash to cover the basic necessities of life. If this is not resolved expeditiously, I will file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
ON XXXX/XXXX/XXXX I PUT IN {$5000.00} TO XXXX XXXX BANK OF XXXX XXXX. IT WAS A CD WITH 9.5 % INTEREST PER YEAR. IT WAS CHECKED FOR AUTOMATIC RENEW ON THE MATURITY DATES. CERTIFICATE NUMBER XXXX. HOWEVER, XXXX BANK WAS ACQUIRED BY WELLS FARGO BANK ON XXXX/XXXX/XXXX. I ASKED WELLS FARGO BANK ABOUT MY CD ACCOUNT AND THEY CLAIM THEY HAVE NO RECORD OF MY ACCOUNT. WELLS FARGO BANK TOLD ME TO CONTACT COLORADO.GOVXXXX THEY SAID THEY DID NOT HAVE MY MONEY BUT FOR ME CONTACT FDIC THEY TOLD ME THAT WELLS FARGO IS NOT HAPPY TO SEARCH OLDER STORAGE. I WAS MY THOUGHT THAT MY {$5000.00} CD WAS MAKING A LOT OF MONEY DURING THESE YEARS. BUT I GOT NOTHING BUT A RUN AROUND FROM WELLS FARGO BANK. I NEED YOUR HELP TO GET MY 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 2017-02-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had applied to XXXX XXXX University as a XXXX. I was told that the unaccredited university was achieving accreditation within the next 3 months and guaranteed accreditation credits upon graduation. I contacted Wells Fargo for a private student loan in XXXX to obtain a XXXX XXXX XXXX. After receiving a verification of enrollment, I had personally sent emails and called XXXX XXXX University 3 days after acceptance stating that I did not wish to continue my education with this university and that any accrued expenses would be debited from my repayment at my expense. I was told that the money had been disposed by the lender and that I could not withdraw at that time and would have to contact the lender to refund tuition. I immediately contacted Wells Fargo student loan department and was told that the money was already disposed and I would have to contact the university to recover the monetary amount that was sent to XXXX XXXX University. I have been in this vicious cycle until today of an non- recovery of money for an education that I did not receive or participate in. The interest accrued on the account balance is still greater than the money borrowed for an education that I did not attend or graduate from. At no time was there any enrollment on my part or attendance for this XXXX XXXX XXXX. XXXX XXXX University was investigated by the FBI in which it had changed a school name to XXXX University. At no point was I able to recover any money or have any loans forgiven for not attending this university. 
I have achieved a XXXX and XXXX XXXX XXXX for an accredited university which I have made 100 % on time loan payments. My dispute is with a university that I had not attended. The student loans should have been recovered upon my withdraw of classes which I did not attend once and my admission of withdraw was giving within the statue of limitations. Neither Wells Fargo nor XXXX XXXX University ( at that time, closing in XXXX ) XXXX University ( closing in XXXX ) would accommodate my request to withdraw and have them money reimbursed to the lender.

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 2015-06-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/2015 I purchased a bed from XXXX 's XXXX. They got me their credit card from Wells Fargo bank and applied a {$450.00} charge to the card. 

On XX/XX/2015 they charged me another {$3800.00} This is a legitimate charge for the purchase of the bed on XX/XX/2015. 

On XXXX Wells Fargo charged me a late fee of {$26.00}. It had been less than a month since the purchase - and I had not received a statement. 

On XX/XX/2015 ( when reviewing my bills ) I found that I had been charged a late fee. I called Wells Fargo and was told that the late fee would be reversed. I also paid {$500.00} on the card balance and setup automatic payments so this would n't happen again. 

On XX/XX/2015, while checking my account, I found that the {$26.00} service fee was not reversed. I called Wells Fargo and was told that the service fee could not be waived and that the account was in collections! At that point I requested that the account be closed - which I was told was done. 

I then wrote to XXXX 's XXXX to complain about this, and the wrote to you. 

After sending this letter to you, I will pay off the full amount due to Wells Fargo.

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