vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I co-signed for a loan in XXXX with WellsFargo for my ex-spouse for XXXX. 
WellsFargo provided more loans to her without verifying my consent or me as co-signer. XXXX, XXXX additional loan was granted to her with me as a co-signer ( Without my approval or cosign ) 1. WellsFargo as a BANK continued to use my credential to issue additional loans and DID NOT verify my signatures. 
2. WellsFargo NEVER asked me for my permission on these loans, BANKS should verify the person ( co-signers ) upon whose name they are providing the money. 
3. Most Likely it is a identity theft issue also when my ex-spouse applied for more loans with my signature forged. 

WELLS fargo now is after me on all loans that she took, wellsfargo says I was the co-signer on ALL, while I was not. I co-signed only XXXX loan. The borrower doesnt live with me from XXXX and the bank is sending me letters for payments. I am not responsible for any loan that I did not co-signed. 

I already sent documentation to wells fargo telling them to remove my name on the XXXX loans taken in XXXX. 

Attachements : Copy of XXXX promisory notes that wells fargo sent me. NOTE the signature differences.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My husband and I went to browse at a local furniture store, XXXX 's, in XXXX 2015. We were approached by a saleswoman named XXXX XXXX XXXX told us about their current sale and asked if we wanted to see what we would qualify for in credit. We provided our driver 's licenses and verbally gave our gross salaries. I do n't remember if she asked for our SSNs. We continued to shop and she came and told us we qualified for {$11000.00}. We continued to browse and decided not to purchase anything. 
In XXXX I received a Wells Fargo XXXX 's credit card. I did not sign anything authorizing the credit card to be opened, nor did my husband. We were shocked. Then on XXXX/XXXX/15 I received a letter from Wells Fargo apologizing for not being able to authorize the larger amount we requested, but that we were approved for {$11000.00}. I never authorized XXXX or XXXX to open a credit account. I called XXXX 's and asked if their salepeople earn commission on opening new credit accounts. I was told they do not. I am unsure who actually opened the account in my name. Again, I never agreed or signed anything. 

This new account did show up on my credit report. We had recently purchased a home and opened a line of credit elsewhere. This additional credit inquiry and open account is not helpful for my account. Simply closing it would also be detrimental to my credit score. I am unsure what to do at this point?

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 2015-05-05 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I called the lender and told them to take the money out three days later although they said they would do it they did not. This caused suck a huge strain on my bank account that I had to close it down. Now they say I owe XXXX and I will lose my job.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have complained of false online transfer numerous times money missing from my account and after 3 plus more weeks they have done nothing

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 2015-05-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I agreed to accept a credit card from my employer Wells Fargo a year ago at 0 % apr. No interest was charged at that time. I had XXXX credit at time of application, so was not a credit risk at all. It was not clearly disclosed that the 0 % apr was introductory and the actual interest was 21.15 %. I only discovered this when I ran up a balance of {$9500.00} and discovered my monthly payment would not cover the $ 170+ monthly interest payment. I called several times and wrote a letter to ask help with the interest rate showing that I could never pay this card off at the predatory rate they had given me. I was refused any kind of forbearance or help of any kind. I paid off the account recently by mortgaging my car. I believe that the failure to CLEARLY disclose the exorbitant interest rate and that the 0 % was introductory was predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I was unable to make the remaining payment to Net Credit, therefore my account was sold by Net Credit to XXXX XXXX XXXX per my credit file. Both are reporting as collection accounts with a balance of {$1700.00}. Since XXXX XXXX XXXX shows the most recent activity, I believe the Net Credit account balance should be {$0.00} and show as a charged off account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My payment plan was income based driven, which needs to be updated annually. While I submitted the paperwork on time, and thought everything would be the same continuing into the next 12 months of payments, it mysteriously never made it to NAVIENT. Never received emails stating that my paperwork was n't received on their end and was completely blindsided when I saw that my payment had almost doubled. After frantically calling to remedy the situation, the gentlemen on the other end could really not care less and offered no other solution than to pay it or do n't. So I paid it, re-filled out the necessary paperwork, called NAVIENT to confirm this time that they received the paperwork and thought everything was settled. Wrong. This time around the same payment that I had been going with for years was now wrong, and my doubled payment remained the same. Completely aggravated, I call them back for the third time and spoke to a woman this time and provided me with the option to forebear a payment, which I find out any payment 's interest not paid under this option will automatically be added to the principle amount. Paying what I could, I went with the aforementioned option and was reassured that my monthly payments would now go to normal ( around {$180.00} ). Not even a few days later I receive two emails from the company, one stating that my next payment would be the doubled payment and the next email states that my payment would be {$220.00}. Now I still have n't called them back a FOURTH TIME to remedy the same situation, but it 's a little ridiculous to have to follow up this many times to give someone my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Well Fargo is our mortgage company and despite our mortgage paymentpaying escrow dollars from our mortgage for insurance, {$710.00} of our escrow dollars where not used for our insurance and in fact the amount was dispersed according to Wells Fargo to taxes and that proved wrong. The Tax Office does not have any payments of {$680.00} and {$27.00} accredited anywhere. Our insurance info was phoned in by our insurance company and ignored, declaration pages for insurance were returned to our insurance agency because the documents went to the wrong XXXX and instead of forwarding to the correct XXXX based on the account number the mortgage server cancelled our insurance. All methods of processing our insurance were ignored or mishandled. I had been with our insurance company for many years and had a preferred rate. As a result of this XXXX our insurance costs have increased. We did secure our own Homeowners Insurance Policy yet due to XXXX the rate was much higher than previous policy. XXXX XXXX XXXX XXXX Forced Placed Insurance charged our mortgage two months in a row for a total of {$4100.00} {$2100.00} on XXXX/XXXX/2013 and {$1900.00} XXXX/XXXX/2013. Both charges were from XXXX XXXX XXXX XXXX. I have a letter from Wells Fargo that indicates the following : The insurance coverage that we ordered on your behalf has been cancelled. 
However, the amount of {$610.00} was returned as HAZ INS REF. The correct amount is {$4100.00} plus {$710.00} for a total of {$4800.00} that was taken from us. 
This increased our mortgage payment XXXX per month which is a hardship. We are on a fixed income with several health issues between us. We are underwater in this house. 
Property values have decreased and taxes remain stable. 
With that I ask for help because insurance should n't cost {$4800.00} PLUS {$1000.00} equalfor a total of {$5800.00} for any household.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went into a Wells fargo Branch roughly a month ago to discuss the situation regarding the Overdraft Protection fees I continued to get. One month I 'd tallied roughly {$71.00} in overdraft " protection '' fees although the money was in my Savings account and all they did was cover my transactions via that account. I explained that I was no longer interested in the service and the Banker suggested that I open a XXXX checking and savings to remedy the situation. Lo and behold not two days later I was hit yet again with an " protection '' fee because he 'd transferred money to XXXX account and another account and honestly I just wanted to stop using the overdraft service. I would much rather they decline my card and I pay for something using another method than have all these accounts and this " protection '' that is costing me {$12.00} every time I do n't put the money in the right account. It 's frustrating and misleading. If I have the money in XXXX of my accounts, just take it from there. Stop charging me every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I HAVE A COMPLAINT WITH WELLS FARGO ( XXXX XXXX ) CREDIT CARDI DID A BALANCE TRANSFER FROM WELLS FARGO TO XXXX XXXX CREDIT CARD, THE PAYMENT CASHED BY WELLS FARGO AND LEFT A SMALL BALANCEBUT ABOUT XXXX WEEKS WELLS FARGO STATING THE CHECK GOT REJECTED BY XXXX XXXX XXXX, I TALKED TO XXXX XXXX AND THEY SAID IT WAS CLEARED ON THIER END, I EVEN SENT AND FAXED A COPY OF THE CHECK TO WELLS FARGO, THIS ISSUE IS STILL NOT SOLVED, I EVEN HAD WELLS FARGO AND XXXX XXXX ON XXXX WAY CALL AND STILL NOTHING

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Quick recap of the past year, we have a MTG thru Wells Fargo, I lost my job a year ago and started a new job. Things were slow to start so we got behind on our pmts. We were trying to do a loan modification recently and then hurricane XXXX came XXXX XXXX and hit our home hard. We had between XXXX and XXXX feet of water thru our entire home. We have flood ins, and the adjusters came n did their thing and we 've already received XXXX smaller checks to start fixing our home. I took the checks to Wells Fargo since the check is made out to myself and them. They refused to cash the checks, reason being they want to make sure we spend the money appropriately. We was told they 'd send us a packet ( we still have not received the packet ) we have to fill out and sign the checks over to them. After they approve what we 're doing with the money, they 'll disburse the funds in increments and it 'll take an additional 3-4 weeks before we even get any of the money to get. We was told we could also request an emergency approval for the funds due to our circumstances. On XXXX XXXX, We filed for the release of the funds and was told we 'd have an answer within 3-4 business days. On Fri XXXX XXXX, I called and was told the request had been denied but we could refile, so we did, which was also denied. Now thru this whole process, we ( myself and my fiance that resides with me ) were both calling Wells Fargo daily and numerous times, which entailed being on the phone anywhere from 30 min to 2 hours and conveniently being disconnected by them numerous times and many transfers. At this point, we have a hole in our roof, have no refrigerator, no stove, or hot water tank heats to give us about 5 min of hot water ( just had a plumber here seeing if we changed the element would help and he tried but our tank is ruined from being in the much water and all the stuff that got inside & was informed it will stop working soon ) and to top it all off, on Mon XXXX XXXX, we started visibly seeing mold growing in our kitchen. We are trying to do everything we can to make do until get the money to do things right. We have nowhere to go so we have to stay here. We are both starting to notice symptoms of being exposed to mold ( my fiance has a XXXX ). We have begged and pleaded for any kind of help to get this cashed so we can start to put our house and our lives back together again and Wells Fargo just does n't care and refuses to help us. We have used all of our funds just to continue daily living.

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 2016-12-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I would like to issue a complaint that Wells Fargo violated several acts of Mortgage Fraud and Predatory Lending. Should I seek legal counseling, he/she will contact the appropriate parties. 

The term " mortgage fraud '' is typically used to describe fraudulent practices by borrowers in order to secure loans they can not afford to repay or to secure loans that exceed the value of the home or homes in question. Because they do not involve defrauding the government, these cases have nothing to do with the False Claims Act. However, fraudulent lending in cases where mortgages are guaranteed or insured by the government does constitute a violation of the False Claims Act. 

Since the financial crisis of 2008, the Federal Housing Administration ( FHA ) and the Department of Housing and Urban Development ( HUD ) have become major players in the housing market. In fact, more than 40 % of new mortgages today are backed by the FHA through loan guarantees and mortgage insurance. Lenders may also obtain mortgage insurance from the FHA to hedge against mortgage defaults. 

If a lender knows that it can purchase mortgage insurance on a particular loan, it may be more inclined to lend money to an unqualified borrower. Taking out FHA mortgage insurance on a loan that the lender knows to be fraudulently obtained or likely to default may be a violation of the False Claims Act because it involves claiming federal funds based on fraudulent activity. Any other type of fraud or falsification related to obtaining or making a claim against FHA, mortgage insurance may also violate the False Claims Act. 

Reporting mortgage fraud against FHA or HUD is a public service because it helps the government recover funds needed to help Americans legitimately secure affordable housing. That public service is rewarded under the False Claims Act, which allows whistleblowers in successful cases to receive a substantial percentage of the money recovered as a whistleblower reward.

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 2016-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My mother passed away XXXX XXXX, 2016 with a checking account with my XXXX brothers and myself as owners of the account. They have the account frozen and want release funds. they keep agreeing we own the account but gave me instructions to show them a affidavit of heirship which we did. Still want release and now say they want a probate. This not necessary as we are owners of account. I have had my mother 's attorney prepare affidavit at a cost of XXXX which they will not accept. I want the account released to us and refund of this extra legal cost. In texas I know this account should not go through probate. Will was attached to affidavit. They let many checks go through then froze account with no notice and I had sent my mother 's IRS tax payment for XXXX and was returned and now may owe XXXX penalty. They also stopped drafts for electric bills.

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 2017-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I send it to the financial institution that has the mortgage of my house and I send that paper the financial institution told me that my modfica- tion was rejected when the company that was already discussed above told me that my model was already approved so I am writing to you to please help me solve this case.

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 — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
We did a short sale on a mortgage in 2013. We had a mortgage with Wells Fargo which was a VA loan a that time we had a balance of of {$250000.00}. Wells Fargo agreed to the sale price of {$240000.00} and after all fees the sales proceeds were {$220000.00}. which left a balance of {$32000.00}. We received an agreement from Wells Fargo prior to the closing that they would not seek any deficiency balance. I have just been informed by VA home loan certificate dept that Wells Fargo did request the balance from them in the amount of {$64000.00} which is {$31000.00} above the deficiency balance. Now in order for my husband to get back his entitlement on his VA home loan certificate we will have to pay {$64000.00} to the VA. My question is was Wells Fargo within their right to seek the deficiency payment ( after they told us they would n't ) and if so, are they allow to profit {$31000.00} from it requiring us to be liable for that amount to the VA??

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