vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Niagara Restitution Service Inc
State: VA

Complaint narrative:
I responded on XXXX/XXXX/XXXX @ around XXXX XXXX ET to # XXXX to a message left on my cell phone and my mothers ' answering machine. When I called the young man threatened to have my drivers license suspended unless I settled out of court for a credit card debt I think was settled in XXXX. He also said I would have to drive out to XXXX, VA ( XXXX hours away ) to deal, and had a 6 year old address.I had been in a head on collision in XXXX and had settled all of my debts afterwards to the best of my knowledge. I also wonder if this may have been a scam attempt due to the clear violations/threats issued by the representative.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I enrolled in an automatic payment program with Wells Fargo to catch up my past due balances. THEY were the ones that failed to enroll me in automatic payments after I made my XXXX time payment over the phone. They had my verbal consent to make automatic payments and had my routing number and bank account number to pull the funds from. It was their clerical mistake that they " forgot '' to enroll me in automatic payments. Now, they call me repeatedly and refuse to admit their wrong doing. This morning, a woman named XXXX called me on my work phone, which I have NEVER given them. I told her it was inconvenient for her to call me at work and she continued to harass me and pressure me to make a payment. 

I have tried repeatedly with wells fargo to explain that I was unable to make my payments due to a large decrease in pay. The only number they have on file is my cell number, XXXX and they called my work number, which I have never given them, which is XXXX. A woman named XXXX calling from XXXX was very rude and I asked her NOT TO CALL ME AT WORK and asked her how she got my work number. She proceeded to pressure me to collect debt when I have tried several times to reconcile with Wells Fargo given my current financial situation. I told her I was going to report her because her treatment toward me was not compliant, and she proceeded to pressure me stating that she needed to collect my debt.

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 2016-08-08 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Name of Creditor : SECURITY FINANCE CORPORA Address : XXXX : XXXX, XXXX XXXX XXXX : SECURITY FINANCE CORPORA Amount : {$490.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

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 2015-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited my pay check ( from local XXXX service ) in the amount of {$600.00} into my Well Fargo Checking Account on XXXX XXXX, 2015 ( I am Account holder for over XXXX years ). I am providing a copy of cashed check from employers XXXX Account showing check cleared his bank on XXXX XXXX. 
Wells Fargo has credited my account with {$200.00} of the {$600.00} amount but are saying that the other {$400.00} will not be available to me until XXXX XXXX, 2015. I get paid XXXX, my next deposit will be on XXXX XXXX, 2015, I can not pay my creditiors on time if Wells Fargo continues to hold my funds for such long periods of time. This should be illegal! Funds should not be held for eleven days when it is cash being transfered from XXXX local bank to another local bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
A call was recieved concerning collecting a debt on behalf of cashnetusa. I wanted to verify the debtor 's validity in collecting a debt and recieved threats from the debt collector claiming to be operating on behalf of Cashnet. 

I was told I had XXXX hours to verify, that I would n't call back, that I would face serious consequences. The behavior was hostile. 

Here is his contact infoXXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo charged me fees that were unwarranted. We were in the process of relocating from XXXX to XXXX and in that process meant paying off my mortgages with them ... which I think contributed to their lack of response. When I was in the branch in XX/XX/XXXX as we were finalizing the process for the sale of my home, I asked them to downgrade my account from the PMA to the basic. That did n't happen and since this was n't my primary account, I did n't check right away. Then as I was finalizing a payoff for another loan, which I made in the branch before the due date, received confirmation. I was then charged an overdraft for the automatic debit for an account that was paid off. When I went back to the branch, I was told that only the branch manager could waive fees but they were n't in the branch. I tried one more time at the same branch as well as another branch and both times the branch manager was unavailable. Then I received confirmation that I was in charge off. It felt like wells did everything via their processes to prevent a good customer experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On Thursday XX/XX/XXXX2016 I had a vehicle repossessed the loan holder is Wells Fargo Dealer Services in California. I paid all the fees that needed to be paid on XX/XX/XXXX2016 by XXXX XXXX. We drove over an hour to pick up the vehicle. Then today XXXX2016 the repossessed the same vehicle again. To me this is unexceptionable. Mistakes may happen, but this is a huge over site. Wells Fargo needs to do a better job. We had to wait 4 hours on XX/XX/XXXX2016 after we paid the fees before they released it, now tell me why did I have to wait so long but Wells Fargo ca n't get their system straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Can not get Wells Fargo to issue a title so I can register this truck. I purchased the truck in XXXX 2015. The truck is parked because I can not register or insure it and therefore I can not drive it.

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 2015-12-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed our accounts with no notice, for business reasons, no other explanation was given, per " the terms on our account agreement '', they then locked the accounts and would n't let us withdraw any money for a week. In 26 years we never bounced a check. We still have not received a written notice. Their actions put us at financial risk as it was toward the end of the month, and we had bills to pay. I would like for them to produce my original agreement they said allows them to do that. This was a very abusuve action by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Your client failed to reach out to the VA in response to getting approval to modify the clients loan. Although the VA has rules and regulations regarding a lender approving an additional modification of the loan, they are also willing to review any lenders request for additional assistance via Loan modifications for the VA to approve, we request the lender to submit the loan modification application to the VA for approval to assist the client in the delinquency of the loan to be brought current and allow the client the opportunity to save their 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 2016-01-30 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: AZ

Complaint narrative:
I have a student loan with Wells Fargo that unfortunately became one of many bills that I was unable to keep up with due to a layoff experienced in late XXXX. I was laid off and unable to gain employment until late XXXX ( 11 months 300+ days ) and nearly lost my home, vehicle, and dignity, due to my inability of upholding my end of the bargain. Along with these issues and losing nearly $ XXXX per year in income, I also was unable to continue making student loan payments. As a result, my student loan charged off just weeks before obtaining a new job and receiving my first paycheck to avoid charge off. After re-establishing myself financially by saving my home through foreclosure prevention programs offered by the state, I 've been able to consistently make my payments as agreed. Wells Fargo has processed and performed a transaction on my account without any notice, knowledge, authorization or communication in the amount of {$2100.00}. This again was unauthorized. When I contacted Wells Fargo on XXXX at XXXX they advised me that they were unaware of unsure of why this occurred. I spoke to a supervisor by the name of XXXX said he would file a claim that could take up to XXXX business days and could not be reversed immediately because the Student Loan department was closed. I advised that I had made a recent transfer and that money that was deposited was to pay the mortgage of {$1700.00}. Wells Fargo has seen these recent payments from my account, because they are categorized utilizing THEIR VERY OWN Bill Pay Service, and they still would rather my family suffer the consequences of living on the street because they were unwilling and or unable to accept a student late payment to prevent a charge off. Not only was unemployment not a good enough reason to prevent charge-off and credit sufferings, they want me to lose my house as well. I thought I could trust Wells Fargo to allow me to regain my financial well being, not contribute to its demise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XXXX XXXX, 2016 My Certified Residential Housing Counselor and I place a call to Wells Fargo to apply for a VA modification due to my house is in foreclosure and have a sell date of XXXX XXXX, 2016. We was put on hold for around 25min, when we finally was able to reach an agent to assist us after the preliminary information was given we were disconnected, we again called again, waited about 12 min this time and once again when we was finally able to connect to an agent that was able to assist us and again after the preliminary information was given we was disconnected again. Therefore we called again for a third time and waited for about 12 min, was connected again and once again after introductions we were disconnected. It was a very frustrating experience, I do not want to lose my home, I have apply for a modification a few months ago but was denied due to my income, my income has now increase and I am an XXXX member of the XXXX. All I want is a fair chance to save 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 2015-10-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc.
State: CA

Complaint narrative:
I have suffered at the hands of this collection agency, and have already reported them to the CFPB for malicious prosecution. Please see complaint Case number : XXXX 

Today I received my XXXX credit profile only to find their derogatory tradeline displayed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo Dealer Services is refusing to honor my SCRA Request to lower my APR of 11.49 % to 6 % while on XXXX. I have faxed my request, along with orders, to them XXXX times, as well as emailed them, and sent them via USPS Certified Mail with Return Receipt. Wells Fargo still says that they have not received anything from me and refuses to honor my SCRA Request. This is the XXXX year in a row that they have denied my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account was overdrawn on XX/XX/XXXX and an overdraft fee of {$35.00} was levied. There is no complaint on this fee. However, once I discovered that the account was negative I went in branch to fix the issue and make the account current. In branch I was told that they could not accept my check as a checking account deposit. They said that it had to be deposited into my savings and transferred into my checking. After the deposit I was informed that the funds available on the deposit of {$2000.00} was {$400.00}. I was told the account was positive and that the remaining funds were available to me. On Tuesday morning over {$140.00} in o/d fees were levied against the account. Wells Fargo 24hr Banking informed me that they would only waive XXXX fees ( {$70.00} ) and that I would be forced to pay the remaining XXXX. I do not have a continuous o/d history with Wells or a habitual o/d problem. These fees are a result of branch misinformation and the fact that my deposit was put into my savings account per the branch teller and manager 's decision. I was on the phone with 24hr banking for over an hour with reps and manager XXXX XXXX in the call center based in XXXX. I was refused waiver of the additional fees. 

These fees are based on misinformation and errors from Wells Fargo, despite this Wells is unwilling to reverse the transactions. I was willing to pay the fee for my actual o/d incident on XX/XX/XXXX ( {$35.00} ) but these additional fees are not my responsibility and compared to other retail banks are VERY high at {$35.00} each. 

I informed Wells Fargo that I am a recent graduate and relocated and that my funds are needed. They still will not reverse the fees based on their error. 

This is very upsetting. I just want my {$70.00} back. Please help me.

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 2015-12-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union ( NFCU ) Acct # XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We have been trying to get a deed in lieu of foreclosure from Wells Fargo for more than a year. They told us we had to vacate the home by XXXX XXXX, which we did. Then the excuses for why they could not complete the deed in lieu started. The title had not been cleared because Wells Fargo had not had the prior lien with XXXX XXXX XXXX released when they financed this loan. Wells Fargo told us we had to get XXXX to do release the lien and XXXX told us Wells Fargo had to do it. Since they are the servicing agent and originator on this loan and it was sold To XXXX XXXX, this seems to be a problem they would want to fix asap. ( Breach of fiduciary duty at the least, mortgage fraud at the worst, neither a good position to be in for Wells ) They inspected the property, and changed the locks. Then they twice halted the deed in lieu process because they said they could not get access to do more inspections. We reminded them that they changed the locks and had the keys so they sent us a set of keys that did not work. I have repeatedly asked Wells to provide the name of the title company so that we can have them address the title issue, but to no avail My friend who owns the home is a XXXX survivor and has doctors orders to avoid stress. Thus, I have taken over the daunting task of talking to these well meaning but inept people. We need to get rid of this house and Wells Fargo is obstructing the process.

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 2015-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX 2015, I submitted XXXX requests to Wells Fargo Credit Bureau of removing a comment from my credit report. The notices were sent via fax through secured fax machines of Wells Fargo branches. I was also informed by the Wells Fargo Banks that no phone is available for the Wells Fargo Credit Bureau. I never got a response from them and have no other methods to contact the department. 
I filed a complaint with Bureau of Consumer Financial Protection ( case # XXXX ) that XXXX Credit Report agency failed to correct mistakes on my Wells Fargo Mortgage accounts. The response from XXXX pointed out that the source of information comes from Wells Fargo. 
As there is no channel for me to contact Wells Fargo Credit Bureau, I am seeking the help from CFPB. 
The Wells Fargo mortgage accounts were closed in 2011. Their account numbers were : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. The 3 months of 30 days late and no information on XXXX are reporting mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrated Recovery Services
State: MO

Complaint narrative:
Keep contacting me about a debt that is not mine and belongs to my adult son who does not live with me and is not a dependent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX, a Senior and resident XXXX with XXXX XXXX with complicated matters such as Mortgage and Modification. I have enlisted a Third-Party to assist with the submission of Making Home Affordable paperwork, who have submitted reams of paperwork for over two years without success. More recently, we again submitted a full and complete package using a XXXX Label provided by Wells Fargo on XXXX/XXXX/2015. We have called repeatedly, and NO LIVE PERSON will ever give an update as to the status of the Loan Modification Request. The persons who answers the phone, will direct the call to a phone number with a lengthly recorded message in very, very, low tone that is completely inaduble, with a promise to call the Third-Party. 
I am a house cleaner with limited income and is seeking a loan modification that will reflect my financials. TWO YEARS IS JUST TOO LONG TO WAIT! 
We were successful in having XXXX XXXX XXXX to Forgive the XXXX lien, This was a XXXX Subprime Loan 7.5 % Interest Rate!

Company response to consumer: Closed with explanation