vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I had a vehicle loan through Professional Financial Services ( PFS ). In XXXX 2011 we had a major hail storm to hit our area, and the vehicle was totaled out by my insurance XXXX. I have copy of the canceled check along with the release of lien on the vehicle ( Please see attachment ). PFS has a balance of app {$3800.00} on my credit that I have disputed several times to no avail. I have even spoke with several people at PFS and no one can give me a straight answer as to what the charges are for. I have asked for proof several times and they said they did n't have to send me any. I have been told it was where gap was n't paid, then I was told no it was where I owed late fees. I advised them that I know for a fact I did n't owe over $ 3k in late fees, then the story was changed to maybe it was when I first got the car loan and two days later a part on the transmission failed and they fixed it. I advised them that I was told it was being fixed under " XXXX '' and to please show me proof from XXXX XXXX Ford ( where car was purchased ) and they said they did n't have to. Then I was asked if we could come to some kind of arraignments and pay half, and I advised them that they needed to send me documentation/written proof etc that I even owed anything or take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC
State: PA

Complaint narrative:
I have paid back the amount I borrowed. The debt collectors keep calling at my job and speak extremely hostile and threaten legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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:
I had a overdraft for XXXX and they take XXXX for XXXX and when you put the XXXX back into your account before the 24hours your still charged 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 2016-10-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a credit card account and checking account with Wells Fargo. The credit card account had a cashback program in which I had built a healthy balance. I never violated the cardmember agreement, yet Wells Fargo chose to close my credit card account. The cashback rewards balance disappeared along with it. This also resulted in damage to my credit score.

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 2016-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Do to a financial hardship I was no longer able to pay my mortgage. I contacted the bank before stopping payments, told them my situation and submitted all documentation that was requested. I then decided that staying in my home was not an option and started discussing a short sale with the bank. the whole process started in XXXX of 2015 ( over a year ago ) and has still not been resolved. I obtained a realtor and attorney to help with the process of working with the bank on the short sale. The bank has been very uncooperative. They refuse to give any information to my attorney or me, keep refusing a short sale for various reasons, and most recently certified my home as vacant even though I am still living here ( I was handed the vacant cert on my front step ). Most recently the bank informed my attorney that the offer on my home was too low and they would not accept the short sale. they refused to provide a counter offer or let us know what the value of the house was ( appraisal had been done in XXXX 2015 by the bank. The foreclosure process was started in XXXX 2015, while we were waiting for the bank to review the first offer I had on my home.

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 2015-04-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been seeking help for assistance with my lender for over a year. I have reached XXXX road block and I dispute and appeal the Denial for mortgage assistance my file is currently assigned to Wells Fargo XXXX and would like CFPB to help review. Attached is detailed information to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wron report about us, my wife and me. 
Hi, my name is XXXX XXXX and my wife XXXX XXXX XXXX. In XXXX 2016, my wife and me changed a car in XXXX XXXX XXXX, we paid every thing ready and take an other XXXX, The XXXX XXXX XXXX supposedly be to pay off to the Wells Fargo Dealer Services, WFDS XXXX, Auto Loan, but that does not occurred. Before that happened we paid the monthly payment at time by automatic system from the Wells Fargos my wife 's account. When we liquidated everything with the XXXX XXXX XXXX, we stopped the automatic payment. Finally, Wells Fargo reported to you that we delinquent in our payment and affected our current credit for both, my wife and me. Please help to resolved this matter. 
Thankyou Reward 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 2016-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently opened a business account with BBVA in XXXX 2016, and ever since then, I have been having issues with logins, password retrievals and the rest. The most painful thing was when XXXX of my clients wired money into the business account and subsequently had to wire some into the company 's brokerage account. The wire transfer was cancelled and hence, account frozen. I have gone to the local branch at XXXX TX to make complaints, but all to no avail. I was told they could n't unfreeze the account because whoever froze it is still unknown and neither do they know the reason behind it. This is a business account, and I have n't been able to conduct business the way I should. 
All I want is to withdraw all my cash and possibly close my account with them. If no resolution is reached in couple days, I will proceed with legal actions. This is absolutely absurd and uncalled for. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Lender made an unauthorized hard credit inquiry and will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We took out loan # XXXXwith Wells Fargo for a boiler XXXX/XXXX/XXXX and financed $ XXXXXXXX9.0 % ( paying $ XXXX ). Then we did loan # XXXX for air conditioner XXXX/XXXX/XXXX financing {$4000.00} at XXXX equal payments at 0 % ( paying $ XXXX ). These work out correctly as per loans. ( paying {$150.00} ) I am assuming as their bills do not specify how money has been applied. Then in XXXX XXXX we financed a hot water tank for {$2300.00} @ 0 % for 18 mths. Our next payment from them was {$230.00}. The payment should of been {$280.00} to cover the difference. We wanted to make sure that this was paid off in the 18 mths to avoid them billing us for all of the interest if loan was not paid off in time. I called and talked to a woman ( did not get name ) and after a long discussion about amount I finally got her to say that she would correct the problem and pay the {$280.00} and correct amount would be applied to each loan. The following month the bill came and it was again {$230.00}. So I called and talked to a XXXX on XXXX/XXXX/XXXX. She stated that I could pay {$280.00}, but the extra amount would be applied to the first loan and when that was paid they would apply money to next loan. Told her that that was not right and the other XXXX loans have been accurate ( as far as I know ) and we did not want to end up paying the interest on loan # XXXX. Said I was going to contact consumer protection and report them and XXXX put me right through to an executive ( XXXX XXXX XXXX XXXX XXXX. I explained everything to him and he said what can we do to resolve this. I replied to apply all the extra money I was paying to the third loan as it should be so we do n't have to pay the full interest rate if not paid in full by the XXXX mths. He then gave me the name of a resolution dept. person, XXXX XXXX XXXX XXXX ext XXXX ). Said she would be contacting us within 10 days and gave us a case # XXXX. Said we could contact her even earlier. We have tried calling and leaving messages several times and have not gotten any response. So called the consumer protection agency today and was told to file this.

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 2016-12-15 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a savings account and was told that first I had to have a {$2000.00} limit or be charged a service fee then I was told to avoid the service fee my account balance had to be {$2500.00} or have a deposit of {$75.00} monthly. 
I opted to have the deposit of {$75.00} and was charged the service fee. This institution changes the requirements at will and now wo n't xplain why this service fee charge when their requirements were followed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is not following the California Homeowner Bill of Rights. This law banned the dual- tracking of forclosure. Wells has set a forclosure date of XXXX/XXXX/15 without giving me an answer to my completed loan modifIcation application. I have been trying to work with my bank, I believe they have not been willing to work with me because I am XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In selling my house, the buyer was getting financing through Wells Fargo Home Mortgage Wells Fargo delayed the closing at XXXX the day before closing because " they needed more time '', with no explanation as to what the hold up was or any idea of how long things would be delayed. They had communicated the week before to the buyer that things would be on time. Subsequent calls and emails to try and get details or information went unanswered and unreturned. I 've called and emailed the loan officer, his boss and his bosses assistant with no answer, reply or call back. 

The Loan Officer involved in XXXX XXXX XXXX ( XXXX ) and his boss is XXXX XXXX ( XXXX ) I understand closings get delayed at times, but the combination of the last minute notification, no information and no follow-up from multiple parties at Wells Fargo is unacceptable and unprofessional. I will incur an estimated additional {$500.00} in moving expenses alone due to the delay in closing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX XXXX XXXX XXXX, I have sent the requested documents and they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well Fargo, where I have a private student loan, stopped sending me statements in XXXX of 2015. When I realized that I had n't paid my usual bill, it was already past due. I called to resolve the issue. I successfully convinced Wells to waive the late fee AND ( I thought at least ) to set up automatic online payments. 

No paper or online statements came in XXXX of 2015. Instead ( again ) the only way that I realized that I had a past due amount came when I received a phone call demeaning payment. When I called Wells again to see what was going on, they refused to waive the late fee and claimed my earlier conversation setting up the online bill pay never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had to put my home on short sale because Wells Fargo did not want to modify my loan and insisted that I need to refinance instead which would have incur another set of closing fees running in the thousands. They 've given me a Pic A Payment loan and because of this, I was able to pay what I can afford each month and the balance of the interest will go right back into an owed to the mortgage. Needless to say my husband passed away and I was left with XXXX income and my daughter was receiving SSI. I 've sent numerous of papers and statements to them and each time I was told they did not receive it and I have a certain date that my application will expire. They 've given me the run around and put me in foreclosure that I had no choice but to sell it at $ XXXX instead of reorganizing my loan to fit this criteria. My daughter and I had to move with family and put my belongings in storage. I did contact the OCC and they were in touch with them to stop foreclosure, but that was all that came out of it. I will have to find my paper works because I have a feeling my income was inflated to get the original refinance for pic a payment. If this was the case, then I guess I can go ahead with a lawsuit as well and recover my losses.

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 2016-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Due to financial problems and after exhausting all savings and annuities, and after being denied an equity loan, we contacted Wells Fargo Home Mortgage to refinance our home loan on XX/XX/XXXX. We 've owned our home since XX/XX/XXXX. We were advised to submit a " Loan Modification '' contract instead of refinancing our original loan. On XXXX we completed all the paperwork and their " specialist '' explained the program. We would not need to make a mortgage payment until XX/XX/XXXX. And the modification trial period would last 4 months. And then on XX/XX/XXXX a new 30-year mortgage would be issued. We have reason to believe we have a case of " Dual Tracking. '' Since we began the process, we began receiving letters, at least one a week, from Wells Fargo to inform us our mortgage was in default. Our mortgage has never been in default. With each letter received, my husband would call them. He has asked them repeatedly why the foreclosure threats when we are on the loan modification program. None of their answers make any sense. We have received one letter through certified mail and then today a person " hand delivered '' another letter asking us to call and discuss our possible foreclosure. Each time we speak to them, we get nowhere. On XX/XX/XXXX the new mortgage loan amount was debited from our bank account, just as planned and promised. Then today we get the hand delivered letter requesting us to call them. So my husband called them. Today 's call revealed that the Mortgage Foreclosure Dept does not what the Loan Preservation Dept is doing. We feel harassed and fear we may loose our home. I learned of your website on the XXXX XXXX XXXX, reporting how a couple lost their home after going through a loan modification.

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: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I sent a letter regarding the matter however, no response from the company. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " WFDS d/b/a Wells Fargo Dealer Service '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Hi, my report says I was late on mortgage for many months, the truth is I was going through a harp process and I made all payments as required under the terms of harp. I was approved for program and made all payments to them, Wells Fargo/asc did not talk to each other during process but that 's not my fault, I swear I made payments on time, or else I would n't of gotten approved for harp. Wich I did!!!!!! do someone over there is not doing there job correctly and does n't care about my credit which I 've been doing much better on thanks to XXXX. Thank you. There 's XXXX more problems on report, thank you and I look forward to your response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Recovery Services
State: TX

Complaint narrative:
This company has called me repeatedly and is now calling any number that was associated to me including my parents. I do n't even have a debt with them - I did have my identity compromised lately due to a data breach and strange things have been happening since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I was turned down for credit by XXXX c/c companies. When I tried to obtain my free credit report because of the denial, XXXX said I had already received my free credit report for the year. I thought you could get a report each time you were denied credit, but am I wrong? thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
in XXXX 2016 my daughter traded in her XXXX, XXXX that she had for almost 2 yrs. XXXX XXXX paid off the vehicle by sending a check for XXXX to Wells Fargo Dealership. They shorted the pay-off check by {$170.00}. Since I had co-signed for the Equinox, as soon as I found out there was a balance remaining I contacted XXXX XXXX. They sent the remaining balance on XXXX XXXX, 2016. My daughters XXXX payment was due on XXXX. Wells Fargo reported to the credit bureaus that the payment was 30 days late. They received the check XXXX/XXXX/16 and they should have received they last XXXX XXXX/XXXX/16. that would not cause it to be 30 days late. My daughter never had a late payment while she had the XXXX. I do not understand why the first check was not posted to the account when they received it instead of holding it for two weeks and posting them both on XXXX/XXXX/16.

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 2015-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have an equity line for {$38000.00}. Last year in XXXX 2014 I received a notice from my current lender - Wells Fargo, that this equity line was coming to term & payment in full was due XXXX 2014. The letter said that if I was unable to pay this I should contact them. I did repeatedly & tried to make payment arrangements but they kept saying that they could not accept anything but the entire balance. Since XXXX 2014 I have gotten letters listing options ( one of which is to make payment arrangements ) but when I call they tell me that payments are not an option. So why send the letter saying that?

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