vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was deployed to XXXX in 2012 XXXX XXXX - XXXX ). While deployed I was living near a local village and did n't have regular access to mail, internet or phone. I received a letter from my auto loan holder XXXX Navy Federal Credit Union XXXX that I missed a payment. I had setup the account to be paid automatically each month, in excess of the minimum amount, using my XXXX credit card. I called NFCU and asked them why and they told me over the phone that I was late and it was because of insufficient funds. I told them this was n't possible, I was deployed and had more than enough available credit to pay the auto loan monthly bill. I spoke to a manager who told me there was an error processing my card, and it was the bank ( NFCU ) fault, not my own fault. They said they were sorry and would delete the late payment from my records ( 30 days late ). A month later I checked my credit report and it was reported to the credit agencies. I called NFCU and asked them to remove it and they denied my request. I immediately asked what the total amount owed was and told them I want to pay off my loan in full. I paid off my loan in full that day because they could n't process my payments correctly. 

I have since submitted disputes with NFCU directly and with the XXXX credit agencies. I have not received resolution. NFCU will not remove the late payment report and neither will the agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Since XX/XX/2014 I have been in and out of work and have been trying to work out an agreement with Wells Fargo Mortgage. They bought my mortgage when XXXX XXXX was bought out. I have gotten the run around, lied to given unacceptable terms, and the delays in paperwork processing has ruined my husbands and my credit. I want this situation rectified immediately. I have had it with this mortgage and if I could take my business elsewhere I would.

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 2016-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had an account with XXXX, they got bought out by Wells Fargo Bank. I was cold called by a company who was offering me services/home apliances insurance, they had my bank account number!!! I told them that I did NOT want anyone to take money out of my account each month, but to send me information & if I liked it I would pay for the year. I gave them my address & they never sent me their information. I noticed a few months later that some unknown company was taking money out of my account without written or verbal permission. I called Wells Fargo & they investigated saying " I gave them permission by giving them my address over the phone '' How did I know that I had this insurance? I never signed a contract, I never got anything in writting, I did not have their phone number to call them if one of my " covered " apliances needed repair. This was a SCAM. Wells Fargo owed me {$120.00} for the money they removed from my account & an apology for all of the anger & mean thoughts I have had & expressed to everyone I meet about this criminal enterprise/bank. If they want to make amends for their fraud, they could payme {$35000.00} as I could use a new car. I am an XXXX, & my car is getting old. 
Thanks for letting me tel my story

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 2016-09-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
i have a visa debt card by wells fargo it was charged by clever bridge for panda sucurity.this is a new card i didnt give this new card number to no merchant to renew any product but yet they charged my account why? i gave no perrmission nor my card number so are you me? to give out my number and charge when you want?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I received a wells Fargo credit card that I never applied for. Credit line XXXX dollars. I am in the process of trying to pay off all my debt I sure did n't ask, or need 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 non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo reported on my credit report falsely. They claim I had a missed payment of {$0.00}. I want that removed, since I never had any missed payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
Back in 2013 I was out of work because of a XXXX and I fell victim to XXXX for {$640.00} and now I 'm being sued from the real company do n't know what to do

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX dob XXXX/XXXX/XXXX Wells Fargo is NOT displaying the correct balance and payment history to all three credit agencies ACCOUT # XXXX this is hurting my good payment history please update ALL THREE CREDIT AGENCES WITH THE CORRECT BALANCE AND PAYMENT HISTORY

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Our servicer, Wells Fargo, did not send a payment coupon per normal to our attention after submission of our XXXX 2015 payment ( which was submitted XX/XX/XXXX ). As we pay 1 month ahead, a payment was sent without the statement ( for XXXX 2015 ) XX/XX/XXXX. Wells Fargo received this payment and sent us a new statement for an XX/XX/XXXX payment due date ( which was already submitted and the reason for our inquiry ). At this time, we also realized that our Escrow Account Analysis was not provided to our attention ( we know this as we were informed when trying to figure out what happened to our payment, that our payment amount had increased to cover the escrow changes ). Although the agent for Wells Fargo was helpful, it still does not explain why 1 ) the payment coupon and statement did not arrive ( we have been with Wells for over 11 years ) and 2 ) why an Escrow Account Analysis was not provided in a timely fashion. Also, when you have a payment history which shows your payments are made in advance, why does the servicer choose to apply all to principal. 
With both documents not being received from Wells Fargo ( the missing statement and the missing Escrow Analysis ), we have assumed Wells Fargo had a glitch in there system and did not produce the documents, as we did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was stationed in XXXX XXXX with my family and Navy Federal froze our account for almost two month without telling us, when they finally released the hold on our account we were in serious debt. They were allowing all funds to be deposited but was n't allowing any funds to go out. When my Wife went into the Branch Office they told her that a third party requested a hold. She asked them why she was n't informed and she was told that they did n't have to. I called from the XXXX and was told the same thing. During the time our account was locked we accumulated a lot of late fees on all our bills. We were out of food at the house, the lights got cut off which lead to my Wife and kids depending on friends. It also lead to the borrowing of fund from our friends for gas money, food, health product etc. My XXXX was contacted constantly for non payment. We still have overdue bills that are outstanding because we were never able to catch them up due to all the late charges. We lost one Time Share Property due to this incident because we was never able to recover. My Wife developed XXXX and XXXX symptoms from all the stress this incident was causing which she is still suffering from and is currently on medication for. She was never able to go back to work which negatively impacted our finances, shifting our debt to income ratio in a way where we had more debt going out than income coming in. I was out to XXXX for two months with no money to buy the basic necessities need for XXXX life which affected my performance standards when it came to uniform and grooming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I bought a truck in XX/XX/XXXX, paid all my payments on time to wells fargo dealer services ( wfds/wds ) except for the last few months. I was late and contacted the company to ask how much the payoff amount is so that I can pay it when I got my income tax. They told me the amount over the phone. Sent me a final bill with that amount and I sent a check. Once they cashed the check they then sent me my pink slip on XXXX/XXXX/XXXX. I thought I was done with them after that until I went to apply for a home loan and was confronted about a charge off that I still owed {$290.00} to wfds. This is when I contacted wells fargo about it and they said that they will not remove that from my credit report. I then filed a dispute with the credit reporting agency and neither the agency or wells fargo would correct the report on my credit. I am now seeking your help to have this removed from my credit as I have paid my truck off. I have paid them the amount they requested and then received my pink slip. I can not get a hold of anyone every time I call the number listed on my credit report for wells fargo three different occasions. I have been transferred to over XXXX people each time that say they ca n't help me and each time I call, wells fargo uses this opportunity to update my credit report with this negative charge off with a remaining balance leaving it so that it never falls off my credit report. They are being fraudulent by falsely reporting this on my credit report as it is paid in full. They are also falsely reporting a balance when their should be no balance as I paid them in full and that was the only way they were going to send me my pink slip to my truck. They have recently reported on XX/XX/XXXX that my truck is in repo status. They are also not reporting the original date it was paid in full which is XX/XX/XXXX. They have ruined my credit and have caused me extreme emotional distress as I can not obtain a car loan or home loan because of their false report. They need to let go of their tight grip on me. I paid them. I am requesting that they remove this from my credit completely or at least change it from charge off to paid with {$0.00} remaining balance with the original date it was paid XX/XX/XXXX. This company needs to be extensively investigated because I know I am not the only one they are doing this too. They ruining people 's lives. Lien holders do n't release pinkslips with a remaining balance.

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 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello, I been with Well Fargo for so many years ( since 2000 ) and the way their backing works is no fair. Before paying some bills, I always check the phone appt to see how much I have in my acct and then i pay the bills. but one the bills go thru i actually did not have what they showed so they overdraft my account, no ones but two time ( back to back ) i call and they are refusing to re-inverses my {$70.00}, it had happen so many times that i want to closed this acct, but i have been with them so many years that i think my credit will be affected. On the pas 18 months they have charge me {$910.00}, just on this fees. 
I would like to see if thy refund me some of this money is unfair how much money they make without my consent. 
Their appt shows something and when you used the money you actually do n't have what they said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, I XXXX XXXX am i single mother, i have been attempting to get some resolution to my hardship for about two years now. I have done everything on my hands to save my home, wells fargo only is delaying my process by asking me for documents every time i call. I called in on late XXXX 2015 and was told to submit my package as soon as possible, so i did my package was confirm receipt on XXXX XXXX 2015.i was told that my documents were received by a team called exception team. But unfortunately they were never looked at their excuse was that because they were in the process of closing out my old workout they pretty much ignored my new package. They hand plenty of time to review at that time, i never received a courtesy call advising me of such event, i started communicating with that department more and more but i am not getting anywhere. They keep asking me for information that i have already sent them claiming that they cant postponed until i send in the information this is the third time i sent everything they seemed to not care and know my situation. They have been just wasting my time i think they want me to loose my home, they have not reviewed my current situation all they say is to allow them 72 hours today is XXXX XXXX 2015 and we do n't have 72 hours. They are not sending me any correspondence advising me of the status, i am just tired of this situation. I am getting to the point where i will be obligated to seek other resolution like litigation or bankruptcy.Wells Fargo has violated my rights as a home owner, i am requesting for them to postponed my sale date to allow them time to review my current situation since it has change they just have n't realized because of minimum since of urgency on their behalf.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This debt is not a federally backed/guaranteed loan. It is be reported to the credit bureaus beyond XXXX years. Also it is beyond NY statute of limitations XXXX XXXX years XXXX to collect a debt. This debt has been written off/ closed by the company. But still being reported to the credit bureaus. I have never made a payment on a this debt in its history. 

XXXX A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more XXXX years old, or bankruptcies that are more than XXXX years old.

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: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
Call XXXX calls both numbers at same time! Talked to them, told them I could n't pay as required They call XXXX times a day, on both phone numbers!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo listed a mortgage account on my credit reports. 
I contacted them to be told that they had nothing in their system under my name, SS #, address etc. and that I should dispute via credit reports. 
I disputed the tradelines. 
They verified them as correct. 
I have never been able to get any information out of them or to even admit the accounts are on my credit reports. 
Later, a different lender pulled my credit. 
I called them to find out why. 
They also claimed not to have my info in their system, but told me if their name was on the inquiries it means I was on a list of loans they bought that had been in foreclosure. 
I told them I never had a loan go into foreclosure-they had no answer.

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 2016-11-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had 3 months trial loan modification from XX/XX/2016 to XX/XX/2016. 
I had made all XXXX months trial payments on time. The loan conciliation conference meeting was scheduled in XX/XX/XXXX for a loan modification at the local court. I was supposed to receive a final loan modification decision after making XXXX months trial payments ; however, I had not received anything from them. I made another extra payment while I was waiting for a decision. In the meantime, I had spoke with the person who works at the law firm ( for Wells Fargo Mortgage Co. ). As per she says, they had received the final loan modification from the Wells Fargo and we were approved. I had called Wells Fargo loan modification department and spoke with the XXXX. As per she says, the payment which I had made extra payment would be applied to XX/XX/XXXX payment ( which I would have a new loan modification from XX/XX/2016 ) and my first payment would start from XX/XX/2016 
However, an extra payment was not applied to XX/XX/XXXX payment and the Wells Fargo had not sent the mortgage statement which I was supposed to receive every month. 
Therefore, I would like to complaint my extra payment which have not applied to XX/XX/XXXX and they have lied to us. For that, I have XXXX month payment behind now. I would like to refund {$1300.00}.

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 2016-01-24 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been indicating that bank transfers be made to my XXXX, FL. Wells Fargo checking account since 1991. XXXX. More locally where I am a better permanent resident, I have a linked savings XXXX. 
I realize how much we are not told, especially when the sums get closer and closer. 
When it was a far fetched idea, it was talked about, and even a Wells Fargo purchase shield XXXX searches for it. 
I believe the money has arrived, that was put there because they believed my grandfather had not enough name, from XXXX to impersonate him. My Father had the same problem being XXXX generation, not having enough to declare his house, that he had a 30 year mortgage to pay anyway. 
That money that is leavened, and was put there in my name, that caused me trouble the whole way, that I found out about, should be available to pay IRS income taxes for my father 's estate, that I have the EIN number for. He had income for the past 7 years, but I ca n't get a hold of his XXXX Wells Fargo account to pay it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc.
State: PA

Complaint narrative:
A man named XXXX keeps calling my work number ending in the digits XXXX and leaving messages saying he is with Windham Professionals and that it is a debt collection agency and he is attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage is below 78 % loan to value. I have been making extra principal payments each month. I want to terminate my PMI payments. Wells Fargo states I still must make payments for a minimum of 5 years. 
Is this lawful? I have about 27 months remaining to reach the 5 year point. Seems excessive.

Company response to consumer: Closed with explanation