vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We experienced a fraudulent transaction on our business account in XXXX XXXX. This transaction was initiated by a former employee who was not authorized to make such a transaction. 

After reporting it, this transaction was reversed but due to the failure of Wells Fargo business banking specialist, XXXX XXXX, to remove this individual 's access to the account, the identical transaction was processed in early XXXX XXXX. After reporting it once again, this time Wells Fargo did not address the issue. 

Instead, I was locked out of our account and not granted access despite providing the documentations proving that I was the only authorized individual to access this account. Despite repeated requests, I was unable to access our accounts until I escalated this matter to the regional supervisor, XXXX. 

After investigating, XXXX eventually reversed the second charge as well. This took place in XXXX XXXX, five months after the fraudulent transaction was reported. 

As soon as I regained access to our accounts, I made the outstanding payments on our credit cards. I then became aware, however, that our credit cards were closed to delinquency and all of our points have been forfeited. 

I was only unable to make these payments because Wells Fargo had revoked my access to the accounts. I made the payments as soon as I regained access and I was assured by XXXX XXXX that our accounts would not be closed until we had the opportunity to redeem these points. 

As such, I am disputing the balances on these credit cards until our points are reinstated and we have been able to redeem them. This was entirely the result of XXXX XXXX 's incompetence and subsequent delays instead of just quickly remedying his mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
It is with disdain that I write again to the CFPB in regard to the non reporting of my mortgage to the credit bureaus, by Wells Fargo. I called and spoke with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ( whom stated he has over 10 years of service ). Yet chose to conduct himself in the most unprofessional manner that I have come across and XXXX XXXX as well. My point of contact XXXX XXXX has failed to return calls and or email messages. In speaking with all representatives concerning this matter I was met with, combative, unprofessional, abrasive and confrontational attitudes and behaviors by all with the exception of XXXX XXXX. Additionally I have sent several messages to XXXX XXXX as well, whom chooses not to return my calls and or emails. This is protocol with the executive offices and with this latest correspondence, I have forwarded this email to the Executive offices in hopes of receiving a response, yet not one has yet reached out. Additionally, I encourage the CFPB offices to pull all calls placed to the executive offices by myself, for the past week and a half. This so you can absorb the full scope of what goes on in the executive offices on the daily basis.

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 2016-02-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
When I applied for this loan for XXXX, no one told me they would be charging me 299 % apr. They are charging me almost {$200.00} per month in interest. I did sign their agreement but I did not understand because they never informed me of any of these things. They just told me to sign the document. They also made me give them my banking username and password before they would give me the loan and told me it was ok for them to do this under the FDIC so they could verify my income. I never expected this type of burden. I was only trying to buy my children/grandchildren some XXXX presents. I am retired and on XXXX and there is no way in this world I can afford this type of ripoff. I feel like I have been taken advantage of because they knew my age and probably knew I did n't understand what was going on. After getting on the internet and reading the thousands of complaints about CashNet, USA I really wish I had done that before I got this payday loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX Regarding above complaint ; after months of fighting, Wells Fargo forgave the debt and XXXX out my account and closed it. Months later, I started receiving collections calls for more than {$1400.00}. 
I have been what seems as duped into believing that this company had rectified this error on their part and instead just moved the debt to another are of the company to try and retrieve. 
Please tell me how I may fix this once and for all and move on from this nightmare. 
Supporting document will be uploaded asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A merchant opened an account under wells fargo retail services when he mentioned that a bed was a trial basis and nothing would be charged unless i decided to keep the bed. He then ensured that the bed would be picked up and nothing would be charged. I monitered wells fargo and there was in fact an account opened and charged with XXXX. When disputing with wells fargo they took a long time just to tell me 2 days before the 90 day trial that i had to send the bed back if i wanted a refund. The issue is why did they open an account without my consent? Wells Fargo said I signed i said no they told me that was just to see if i qualified. i feel robbed. Now I have to pay for something that is not even woth XXXX dollars. I have never dealt with such type of business or bank.

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 2016-12-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was offered a high interest only loan to lower my payments from Wells Fargo and it did n't lower my payments and when I contacted them for help they said that they could n't help me until I was late on my payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am disputing the credit information being reported on my credit record by : WELLS FARGO DLR SVC/ almost {$5000.00} CHARGE-OFFXXXX XXXX BUREAU XXXX, XXXX are reporting this as an involuntary repossession on XXXX 2015. 
We requested a voluntary surrender of the vehicle as we had a job layoff that affected our monthly income, but they did not provide us with information to do so. They claimed to have sent us the information, but we did not receive it even after repeated attempts and multiple conversations via phone with multiple departments and persons. They finally sent us paperwork and had the vehicle picked up for months later and then reported it as an involuntary repossession instead of a voluntary surrender and undersold the vehicle for less than its current value. 
We had to spend extensive time chasing them down for a voluntary surrender, had to store the vehicle until they sold it, maintain insurance coverage and vehicle tags for four months, and am now suffering defamation of character ( involuntary repossession is totally different than voluntary surrender ). Being a middle-aged, XXXX female, I resent having to call to attention false statements and unethical practices that border the grey edges of legal practices such as this that insult my intellectual abilities, defame my character, and threaten my ability to attempt to reenter the workplace, obtain housing, and/or improve my credit status to better myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 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:
Wells Fargo opened a bank account with my social security number without my knowledge or consent.

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 2015-10-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Please see attached summons as proof of their negligence and storytelling abilities. I thank you for sending a timely response regarding a previous complaint, case number XXXX. I read the Banks response and they are not telling the truth when they responded that I was a third party to this matter and their claim to need more info. Deutsche issued the civil action summons docket # XXXX in person to the executrix. The summons lists me first ( as deceased XXXX XXXX 's heir ) and then XXXX XXXX as executrix XXXX 2015 for this mortgage. If i 'm a third party why am I listed first. XXXX XXXX is the servicer and they seem to be handling the foreclosure. I, along with the executrix sent proof multiple times of her role from the probate court as Executrix in order for them to talk to us. I still have n't been served only the Executrix in person. They give different fax numbers etc. The lawyers have not submitted any paperwork that was requested in our summons response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have a XXXX account that is linked to my wells fargo account and pre authorizes payments on its behalf. I began getting emails from wells fargo alerting me that I had insufficient funds in my bank account, so I went on and saw that they had charged me XXXX times with a {$35.00} overdraft fee. I called them and they issued me a partial return of {$50.00} towards my XXXX total of {$210.00}, ultimately not helping my situation one bit. I explained that I am a XXXX and how last week was my XXXX, and that I would address the overdraft fees but that in the meantime I wanted them to please do me the courtesy of not charging me those overdraft fees as I work out my situation with XXXX. The following day I was charged XXXX more with a {$35.00} overdraft fee, and once again called, this time speaking to a man who told me he could n't do anything and that I had to pay the {$300.00} overdraft fee. As I mentioned before, I just XXXX and spent the last year as a XXXX. I have no way of paying this fee, and it 's usury and exploitation on their behalf. I really feel that this type of practice is corrupt and must be looked into because they are taking advantage of me and know I can not pay these fees.

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 2017-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Niagara Restitution Service Inc
State: CO

Complaint narrative:
Niagara Restitution contacted me and threatened to serve me on XXXX/XXXX/17 for a debt that was discharged in bankruptcy more than ( 3 ) years ago. As soon as I said lawyer they hung up. I 'm writing you because I am concerned that other individuals may be or have been threatened by this company. Other individuals may not know their rights and the debt collection laws. This company needs to be shut down and a class action lawsuit should be filed against them. I have evidence and I 'm sure many others have evidence of them violating debt collection laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX The Complaint department Federal Reserve Bank and Mortgage fraud Complaint Dear Sir/Madam COMPLAINT AGAINST WELLS FARGO BANK WRONGFULL FORECLOSURE ON MY PROPERTY MORTGAGE ACCOUNT NUMBERS, XXXX and XXXX. 
I have intentionally refuse to back off from XXXX Criminal intended employees of Wells Fargo Bank, XXXX XXXX an executive resolution specialist and XXXX XXXX assigned to my loan modification, I will continue to stay in my house until the government steps in to investigate these wrongful act committed by Wells Fargo bank XXXX XXXX XXXX and XXXX XXXX. 
XXXX XXXX with held my documents and released false information to the modification team, intentional to delay the modification of my property loan while XXXX XXXX block my account lied to me for a run around for many months with intent to lue me into foreclosure, she constantly lied to the police and use the police to harass me frequently in my house. She then blocked my access into making payment into my mortgage account and foreclosure my property. When the information was given to me by the Re-entry team of Wells fargo bank, I confront XXXX XXXX which got her angry and she instructed for a foreclosure on my property but lied to me that the modification was successfully and XXXX XXXX has my approved documents, I called XXXX XXXX only to realize that XXXX XXXX has caged me into run around to induce foreclosure on my property, XXXX got angry when confronted with the truth. 
I have written to Wells Fargo Bank and noting has been done but harassment letters of foreclosure and date XXXX/XXXX/2016 to sale my property. I just filled a law suit against Wells Fargo Bank, to stop the sale and claimed damages with Superior court in XXXX XXXX. 
XXXX XXXX has shamelessly refuse to correct her wrongful act and Wells Fargo Bank is doing noting about it. 
Her trick in blocking my account made it difficult for the re entry team to modify my loan, XXXX and XXXX in the re entry team confirmed. 
I have been harassed, insulted, humiliated and XXXX after 14 yrs of relationship with wells Fargo bank. 
I need government intervention to stop this from escalating further, I have refused to allow this criminal behavior of XXXX XXXX and XXXX XXXX to affect my life and my XXXX children. 
A sale date of XXXX/XXXX/2016 has been mailed to me for my property but I will drop my last blood to bring wells Fargo bank, XXXX XXXX and XXXX XXXX to justice, I can be reached at XXXX XXXX XXXX. 
Please SAVE MY SOUL Thanks 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 2016-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX, 2016 To Whom It May Concern : Claim # XXXX As per your request I am writing this letter to tell the facts! 

I rented a room for my family at the XXXX. Which was unlivable due to the infestation of roaches, refrigerator not working or the stove and that is what we paid for, as we are a family and needed to cook. I was told by the manager/owner that I am the father I need to figure it out. 

Facts : The stove did not work The refrigerator did not work The tub did n't work however it was fixed a day later Neighbors screaming and jumping all hours of the night knocking on my door. 

I complained to Management they said they would take care of it, as we had to work the following day. Nothing was done about it. 

My Fianc was falsely accused of staying at the motel once before sneaking animals into the room without paying ; my fianc has never stayed at the motel before. They argued with us made us uncomfortable, called us liars etc. 

I paid for XXXX days and checked out on the XXXX day because our room was infested with roaches. 

I notified the Merchant and they were not helpful and did not want to budge. They did nothing to correct any of the issues ; they did not even offer any credits at all. 

I spoke with 2 managers and the owner and the owner was horrible. I immediately opened a debit card transaction dispute in direct response for the poor service and mishandling of my intended funds tendered in hopes of a quality weeks stay. Please note that I originally paid for XXXX nights, but I did not stay past XXXX nights and the entire amount is what I requested back. The provisional credit was given to me and all of a sudden snatched away from me, now leaving me in a further mess with a heavily overdraft account. I was out at dinner with my fianc and was extremely embarrassed by having my card declined in front of the restaurant. I have been through quite a lot and this is very deceptive and very harsh to have my bank that I believe knew the issue first hand with the investigation that created and now has put me in a terrible spot. 

I am contacting the CFPB to ensure justice and proper adjustments on my account are made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage account I owed XXXX in XXXX XXXX I paid {$8800.00} in XXXX XXXX. And they are saying I owe XXXX.And in XXXX XXXX the statement says I owe XXXX. Then they charged me a late fee for what I paid my mortgage for a year ... .Wells Fargo Bank ....

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 2015-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I fell behind on my mortgage in 2013 due to illness. I received help with the " Ohio Save the Dream '' program. Wells Fargo received the payment from the program and stated the amount received was incorrect. A check for {$15000.00} was sent to pay the mortgage through XXXX/XXXX/13, which is what was stated on my closing documents. Wells Fargo said they were only notified that the mortgage was to be paid through XXXX/XXXX/2013 and returned {$1700.00}, saying they are not permitted to apply more funds than what is allowed for a loan " saving '' through this program and that they were only told to apply through XXXX/XXXX/13.. I was n't able to get the mortgage caught up. Wells Fargo blames Save the DReam. Save the Dream says it was a problem with Wells Fargo. None the less, I lost my home and would like to rebuild my credit to be able to buy a home in the future. I have asked Wells Fargo to remove the negative reporting from my credit. They say they ca n't because the mortgage was behind ... but it was only " behind '' because they returned the funds. I do n't care about who is at fault. I just want the negative reporting off my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX XXXX, my wife and I secured a loan with Wells Fargo Dealer Services for a XXXX Scion xD. In XXXX XXXX, I became unemployed. My wife and I were able to continue regular payment until late XXXX, after my unemployment was exhausted. I finally secured part time employment XX/XX/XXXX, and finally full time employment XX/XX/XXXX WFDS did defer XXXX payments XX/XX/XXXX, but we have still struggled through XXXX. Our car was repossessed in XXXX XXXX. We explained the situation to WFDS, and were able to borrow money to reinstate the loan and catch it up until XXXX XXXX ( although we were under the impression that it was caught up to XXXX XXXX ). From there, we were unable to make the next payment XX/XX/XXXX ( XX/XX/XXXX per their records ), but were able to pay {$400.00} XXXX ( a full payment ) and another {$300.00} XX/XX/XXXX, with the next payment stated due XX/XX/XXXX. However, XX/XX/XXXX within 6 months, and the vehicle just over 2 months past due, WFDS decided to repo the car again, and is now demanding full redemption to get our car back. We were quoted {$10000.00} before XXXX or the car is to be auctioned. WFDS is unwilling to negotiate. In fact, their staff has been mostly uncaring, rude, and condescending.

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