vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Dealer Services did not handle my repossession properly. According to the State of Texas UCC 9.506 & State RISA XXXX MVISA statutes a deficiency can not be claimed unless all of the required notices were properly & timely given. As well as all allowable redemption & cure time limits were adhered to. Wells Fargo failed to followv these requirements. I have contacted this company with no response to my request of proof of these noticed being sent due to the facts that I never received them & continued to get mail at the original address listed on my loan. After leaving that address I then had my mail forwarded. However if the notices were sent & received or sent & returned they should have proof of this. Which I 've asked for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been a Wells Fargo Customer since XX/XX/XXXX and have never experienced such injustice with this banking institution. On XX/XX/XXXX I called to check my balance and was shocked when I heard I had {$200.00} In overdraft fees. None of my bills are automatically debited from my account so that immediately did not make sense to me. When I spoke to a banker she informed me that my account had been debited for {$300.00} and thatts how I came to have the {$200.00} overdraft fee. She gave me the companies name and I assured her that I never authorized a payment. She then transferred me to the fraud dept and they assured me that my money would be returned including my overdraft fees. A few days later I called back to check on the case ( case # XXXX ) and was told by another fraud dept representative that the case was just sitting because it was not listed as an unauthorized payment. To add insult to injury my paycheck came in my account through direct deposit days later and the {$200.00} overdraft fee was paid out of my hardworking money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My previous Case number : XXXX was not resolved. We have appealed yet another Loan Modification denial because Wells Fargo continues to make errors on my loan modification request and does not thoroughly review all their mistakes after we have sent lengthy explanations and documents of all the inaccuracies. Wells Fargo consistently provides conflicting information in their reviews and when we point out their mistakes there is no acknowledgement of their errors, instead a generic denial letter is mailed. We have attached documents to support their errors and expect a full and thorough investigation.

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 2016-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I initially opened my bank account XX/XX/XXXXfor my VA XXXX check as the government wanted to do away with a paper check. My account did not have any service fees attached to it as long as I used no checked and never went into the bank and only used the debit card and the ATM. Wachovia bought this bank out around XX/XX/XXXX or XX/XX/XXXX and the account stayed the same. When Wells Fargo bought them out during the subprime crisis they started charging me a monthly fee for my account. I talked to numerous people and fees were waved for a time but then returned. When I called again to complain about the fees, they switched my account stating this would be a better account for me. I was given the impression that this would stop the fees. But instead they were increased from XXXX dollars a month to XXXX dollars a month. Again I called to complain about charging me fees on my account and was told I needed to have XXXX dollars in the account a month. My VA XXXX is not that much and there are no bank branches or ATMs in my state. I even pointed out that all of Wells Fargo competitors have free accounts for XXXX Vets and XXXX XXXX Military. I was told that they do n't. I submitted paperwork with my VA Rep in XXXX, Ohio to change my VA XXXX to a different Bank account on XXXX XXXX, XXXX. Unfortunately, due to how the VA operates, the XXXX direct deposit did n't go through till XXXX XXXX, XXXX ( not a typo ). Then I was able to close the account. So from XXXX to XXXX Wells Fargo bank has charged me a fee for an account I never signed up for, with a bank I never opened an account with due to the Mortgage Crisis and the fact that they bought out my bank ... on a check that the IRS ca n't even tax due to it being my Service Connected XXXX check from Veteran 's Affairs. No one from Wells Fargo wanted to help me and I feel it to be discrimination. First a XXXX from the VA with a pittance of a check for serving my country, then XXXX by a Bank who helped cause a 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 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Navy Federal Credit Union froze my bank accounts over credit card dues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am currently in review for a loan modification and have provided all the paperwork that my mortgage servicer has requested. I also have a foreclosure sale scheduled on XXXX/XXXX/15 and need help getting it pushed back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo had withdrawn all of my personal accounts without my concent. They took over XXXX just in my personal account funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received the following email from Wells Fargo. This is not my account or my name : XXXXXXXXXXXX XXXX XXXX ( 5 days ago ) to me Dear XXXX : Thank you for your continued business with us. Your relationship is important to me and I appreciate having the opportunity to assist you. My goal is to help you succeed financially and to provide you with an exceptional level of service, while ensuring your service requests are met. 
If you have questions, or would like assistance or information, please call me using the information below. 
Thank you. We appreciate your business. 
XXXX XXXX XXXX ( CSSR, Personal Banker ) Office : XXXX XXXX XXXX Direct : XXXX XXXX XXXX XXXXXXXXXXXX My reply : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 2 days ago ) to XXXX. 
This is not my account. I am not XXXX XXXX. Please correct this. 
And his : XXXXXXXXXXXX XXXX XXXX ( 34 minutes ago ) to me Thank you for your respond, we will correct this right away. 
Thank you again. 
XXXX XXXX XXXX I am concerned because of recent findings that Wells Fargo has opened accounts illegally ; I do have a checking and a savings account with them but not as described in that email. Thank you, 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 2015-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo has failed to modify my second loan under the MP2 program. Specifically they have provided false information and refuse to identify a monthly payment -- I do not believe this program mirrors my first loan. While WF has told me they would be sending the correct information, they have not. Instead I received a call from a XXXX XXXX stating that the loan was going to be canceled since I would n't agree to their terms. How can I agree to terms that have not been identified is beyond me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
My complain is not against any financial institution reporting accounts updates to credit bureaus, but against XXXX. It is clear at this point that XXXX has a serious issue at its process/computer system since the same update sent to all credit bureaus just got the erroneous status at my XXXX credit report. Here is the issue : I got a bankruptcy case filled on XXXX ( chapter XXXX ), which I got dismissed on XX/XX/XXXX, so currently no further information about this case should be present in my credit report. 
What happened XXXX already this year with different financial institutions were XXXX accounts reported as closed and no matter if this account was part of the chapter XXXX case mentioned here or not, XXXX included this update in my report as a derogatory/adverse account, even with the " Pay Status '' listed as " Current ; Paid or Paying as Agreed ''. 
XXXX is taking the remarks in the accounts, where the bankruptcy is listed, and based on the closing date is considering the occurrence as a new/current bankruptcy case and list the account as adverse, with the date to be removed XXXX years from the account closing date reported. 
Contacting XXXX is the most painful process ever. The call is answered oversees by customer service representatives that work based on the script they have been trained without any deeper knowledge about the credit report info and bankruptcy rules in US. I started a dispute via online process, submitted all the necessary documentation, got the account fixed in my credit reported as expected, but after XXXX days the same account was listed as adverse again. After several calls I finally was able to talk to a supervisor here in US, but instead of understanding the issue and acknowledge as a XXXX issue, the supervisor requested a communication from the finance institution to fix the account in my report, basically removing the account from my report. I got the first financial institute account reporting fixed and my FICO was calculated correctly. 
Now, another closed account reported end up listed as adverse again and I started another dispute process, where XXXX still not fixing the error on its said and still contacting the financial institution as part of the dispute, like the error was related to the account reported and not on the way XXXX is erroneously processing/listing the account update in my report. 
For this reason I decided to contact CFPB and put a complaint against XXXX. My next step will be look for legal assistance to take any possible action against the burn XXXX is causing to FICO / credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hi, I have previously submitted an issue I was having with Wells Fargo regarding modifying a loan. The previous issue was addressed and I attempted another modification. however, I was denied this latest modification based on the incorrect amount Wells Fargo used for my income, even though I spoke to underwriters and submitted paperwork to support approx XXXX a month in income. I received 2 denial letters in the mail on the same day, for the same loan, with XXXX different monthly incomes {$XXXX} and {$XXXX}, not the {$XXXX}. ( both were incorrect and off by over to {$1200.00}! ) ... I proceeded to appeal and explained the issue was later told that the appeal was denied due to not being able to find a program for me, ( they ran the incorrect number again ) not based on the incorrect amount that was submitted ... I spoke to underwriters prior to the modification to be sure that all of the income is correct and was able to be submitted ( {$600.00}. in financial contribution from my brother ( for my elderly mothers care ) was denied because he does not reside in my home ) other than that and using 75 % of the rental income ( which I did ), I was ok 'd with income which total was ( minus the unusable income ), approx {$XXXX}. per month. 
I did this modification with the assistance of New Jersey XXXX XXXX and they also ran the numbers for me to assure it was done correctly. 
I have tried to direct contact my previous point of contact from my last modification attempt, but I get rerouted to a reentry program. I have a sheriff sale on my house set for XXXX XXXX and I would like to try to resolve this issue with Wells Fargo and modify my loan with the correct amount of income before I lose my home. Thank you for any assistance you may be able to help me with, as I still wish stay in my home and raise my XXXX children. 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 2016-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services
State: MI

Complaint narrative:
A man has been calling my sister for some time regarding efforts to collect a debt that he claims my son is responsible for. This man identified himself as XXXX XXXX. His number is XXXX. My sister contacted me and was very upset feeling as if he threatened her. He used extreme profanity including the XXXX word, along with calling her all kinds of obscene names. I called him today, XXXX @ XXXX and he was so volatile and nasty that it can not be explained. He called my and my son XXXX said my son is in XXXX because his mommy did n't take care of him, he was placed here by XXXX to deal with people like us. He then said word on the street is you have a good job, you work for the state, so just pay it. Give me your debit card number now. I asked for paperwork and he refused. He finally did tell me that this was from something that my son signed for on XXXX. He did say his company was Integrated Service out of XXXX XXXX, NY. He said is boss was XXXX XXXX but would n't provide me a number directly to him. I did tape his call half way through as I felt very threatened and slandered. He told me he was n't harassing me because he had n't physically threatened me. When I told him I was going to speak with my lawyer and law enforcement first he then said he was going to make America great again and my flock would n't be part of it. This man would not allow me to ask questions or say anything, he was just verbally abusive and threatening. When I XXXX this number, many comments were of this same nature - threatening and horrific attacks against people. I am a professional woman who deals with courts and clients. I have never been treated this way before. I can not believe that this man is allowed to call and say such horrible personal things about me or my family. He even asked if I had gotten a good XXXX present from my son. My son is an adult who is currently XXXX that he committed. I am not responsible for his actions. This man basically told me that I am a rotten mother because of this. He called us losers and vile names with extreme profanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Approx 1 week ago I was notified by my per diem " employer '' that i was taken off of the roles, and would no longer be needed to stay on per diem status, and no full time positions were open. Today, I received notice from a collection agency ( Transworld Systems ) that a {$250.00} balance has been reported to the collection agency against my credit for un-returned uniforms. One week is not enough time to return uniforms, when the home office is over XXXX hours away. The uniforms were returned at this time, but the report of collections is still on my credit. Before this time I had not been notified that I was " taken off the roles '' until the employer called me to pick up some shifts, and then she noticed i was removed for being inactive ( not picking up any shifts recently ). So in 1 weeks time I found out I was done there and that the collection agency had taken action. No notice was given to me to return the uniforms, nor was any attempt made to notify me. This should not be reported on my credit. The items have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
In XXXX I changed jobs and we got a little behind paying our mortgage with Wells Fargo. We saw an advertisement in our mortgage statement that we could call in to Wells Fargo and qualify for a reduced payment plan that would extend our payments out further but with lower monthly costs. I spoke to XXXX XXXX on the XXXX and she encouraged us to stop paying our mortgage and provide our pay stubs and monthly bills listed to figure out our best restructuring of the lower monthly payment. We spoke back and forth during a six month period during which we asked if we should be paying something on our mortgage and she advised us not to pay because it would alter our payment calculations. After six months were up we were served with foreclosure notice. We worked extremely hard to catch up our payments and save our home. I called XXXX XXXX back and she informed me that we were not in the home for a full year when asking for this program, that we did n't qualify in the first place. As the result of historic flooding during XXXX XXXX XXXX, we lost all correspondence and proof of the events that took place. I called Wells Fargo in the last six months and they informed me that XXXX XXXX no longer worked for them and there were no documents to support my claim.Every call was advised to myself that we were being recorded and were we alright with this, now they claim they have no recordings.

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 2015-12-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo strongly suggested that I open a business credit card account in order to maintain some features I had. I never requested they connect it to my consumer checking/savings. Why would you do that since the IRS frowns ( rightly so ) on co-mingling funds. Historically I kept enough of a balance in my saving in order to cover any overdrafts from checking. This happened and Wells Fargo covered the overdraft from the business card-a set up I never requested. It should have been easy to fix. Remove the charge from the credit card. Make a transfer from savings to checking to cover the amount. Why link a business card to a consumer account? For years I covered any overdrafts from savings. 
The txt files attached are text sent by WF secure email. I can only copy text before sending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
Security Finance of Oklahoma is a signature finance loan company. When I found myself unable to pay, I first began getting harassing calls making me feel threatened. I then had an employee from Security Finance come to my home and threatened that they would have me put in jail if I did n't pay my bill.

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 2015-07-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a student loan with Wells Fargo. I tried to set up automatic payments greater than the required monthly amount and was told that Wells Fargo does not offer that option. I was advised that I should set up an automatic payment from my bank account and the additional payments would be applied to principal ( as I believe they should be ). The first automatic bill pay from my checking account was made to my student loan with Wells Fargo on XXXX XXXX, 2015 for {$50.00} and the full amount was applied to interest. On the surface to me, this seems like an unfair and deceptive practice on behalf of Wells Fargo. Additionally, the Wells Fargo student loan website ( https : //www.wellsfargo.com/help/faqs/student-loans ) notes customer serivce times of M-F as well as Saturday, but when you call on Saturday you are told to call back during regular business hours between M-F.

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