vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received paperwork from Wells Fargo approximately in XXXX of 2009 regarding a private student loan that I owed. When I contacted Wells Fargo regarding this student loan account they had no information to provide to me. They could not tell me how/where they obtained this loan from, when they " bought '' /obtained this loan, etc ... Since that time I have contacted Wells Fargo on numerous occasions asking about this loan and received the same " answers '' over and over again. No information has ever been provided to me about this loan, or where this loan came from. I get a monthly statement that I have continued to pay out of fear of collections or negative impacts to my credit score. I have also contact Wells Fargo numerous times requesting my monthly payment to be lowered due to my income, housing bills and being a single mother. They have told me over and over again that because this is a private student loan they have nothing to offer to me that could help me lower my payment nor do they have any obligation to offer me anything because it is a private loan. I never once received any loan disclosure statements, never once did I sign ANYTHING for Wells Fargo for a private student loan, nothing at all that would make me feel like they obtained this " loan '' on the up and up, so to speak. My biggest concern here is if this account is even legitimate or if I somehow have been affected by this huge scam of fake accounts that has been brought to the attention of the public. If I have been affected how would I know? Who would I contact? Where would I go? If I have n't been affected or " scammed '' what are my options for help with private student loans? I really need help with this and help with trying to figure all of this out. Thank you very much for your time.

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 2016-12-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I went to XXXX to buy a car. i did not know that I was being a victim of predatory lending practices. I was very interested in purchasing the XX/XX/XXXX XXXX At the time I owned a XX/XX/XXXX XXXX and was trading it for the XXXX. I still owed on the XXXX in amount of {$16000.00}. I believe the salesman took advantage of me, my age and the oppurtunity to make a sale. no matter the price or the financial harm it may have on a ususpected consumer now and in the future. besides the high price of the vehicle {$35000.00} and the insane thought to include a partion of the balance owed on the XXXX ( {$3900.00} ) and to toss in a dealer warranty of ( {$4500.00} ), which will have a detramental effect on the ability to try to trade or refinance the vehicle. this was not explained to me. In all to have a total finance amount of {$43000.00} at XXXX % for XXXX months. if the vehicle is already questionable to be value at {$35000.00} the selling price, it will never have a chance to be traded or refinance with now having a total balnce owed of {$43000.00} plus finance charge of {$12000.00} for a grand total of {$56000.00}. this is already a proven fact with Wells Fargo, Due to their denial of refinance with them to get a reduce interest on the vehicle. which proves if this was not a good deal for them than it was not a good deal for me. I was coherce into buying the vehicle not fully understanding all of the charges that were included in the amount that was finance. or how this would effect my ability to refinance or trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I previously filed a complaint with the CFPB and am utterly dissatisfied at the way Wells Fargo has handled it. I paid a company called XXXX XXXX a total of {$14000.00} between my Wells Fargo Visa and XXXX XXXX for services that were never provided. I have attempted to obtain a refund to no avail. Wells Fargo first denied because of the time that has passed and after complaining to the CFPB they have " respectfully declined my dispute ... ( and have ) made every reasonable attempt to help with this dispute but have been unable to get any information from the merchant ''. They further explained that I need to work my concerns out with XXXX XXXX. This company has been paid a lot of money for nothing and my bank needs to be more diligent for their customer.

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 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2016, I received a notification letter from Navy Federal Credit Union making threats to repossess my XXXX Nissan Pathfinder stating that it will be used as partial collateral on my auto loan account which Navy Federal Credit Union claims is in " default ''. My account is not in default and I have been making monthly payments but the collection department does not seem to have records of my payments but the other departments have records of my payments. I am getting daily calls and computer calls from them about an account that I am making payments on. The number that the Navy Federal Collection Department is calling me from is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Money withdrawn from my savings account in the amount of XXXX $ to pay for credit card bill with out my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX I received a credit card inquiry for Wells Fargo/Dillard 's. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
About a year to a year and a half ago I signed up for a Wells Fargo personal bank account over the phone and was sent my cards and paperwork through the mail. Since then I have had trouble over and over using their online services and specifically when I try to reset my password it has you enter your username and some ID such as your DOB, Social or Account number. If I enter my username and social it tells me I have multiple accounts, if I enter my username and DOB it tells me I have multiple accounts. I only have XXXX account with Wells Fargo. I was hung up on by XXXX Wells Fargo 'bankers ' twice today for asking if this was related to the news article that came out. The last call I was told I would be connected to a supervisor to help clear the issue up and was hung up on before any kind of transfer happened. While writing this I am on hold again. I am in Texas, not California but I believe I may be a part of this recent news. I have not been given answers yet and need to know if I am or not a part of this issue.

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 2015-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i was paying my mortage on time through in my cradit report XX/XX/XXXX XX/XX/XXXX mark as x mean unknown. as wel fromXXXX XXXX toXXXX XXXX.can u please make these period ok as it should.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
debt collectors was very rude and unprofessional they threatened to take legal action without giving me all the information on my case also called my job repeated times when I asked him to stop calling my job they had my cell phone number so there was no reason for them to call my job after they got employment verification from my employment they still kept calling this debt collector is called first capital the phone number is XXXX XXXX XXXX

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 2016-09-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am in the process of completing a deed-in-Lieu on my property through Wells Fargo Home Mortgage. I unfortunately have a lien against my home in the amount {$8000.00} that is preventing my property from completing the DIL. The lien holder is refusing to accept any amount other than what 's owed in full before they will remove the lien. Even when I requested an affordable repayment to remove the lien, the answer was still no. I contacted the XXXX for help, but their payments were just as much as my monthly mortgage payment. As a result my property will now go into foreclosure. I 'm working very hard to prevent that by working with the lien holder and the junior mortgage holders on my account. But I feel like I 'm spinning in circles. The junior mortgage and lien holders are giving me a hard time. And I 'm not getting any real assistance direction from Wells Fargo. I need help. Please help me. The mortgage company did grant me some additional time to gather the documents I attached. But time is running out.

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 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a home mortgage with Wells Fargo that has been in place since XX/XX/2013. I have never been late on any payment, and the payment is electronically sent from my account. I sent my payment for XX/XX/XXXX in the same amount i have been paying since XX/XX/2013. Without any notification, Wells Fargo held my payment in " suspense '' because apparently they recalculated the escrow amount and my payment fell {$77.00} dollars short. I was contacted by their collections department and told that I was also assessed a {$100.00} late fee. Wells Fargo had not notified me that my payment had gone up.

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 2016-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: LA

Complaint narrative:
XXXX I purchased a refrigerator, microwave oven and a television from Conn 's Plus Appliances. They delivered the items a week later. Upon delivery I expressed that I did not want them to install the microwave or the television because it was to expensive and I had someone else install the tv. Two days later my husband returned the microwave because it was not the one I originally selected and it was the wrong size and did not fit the inlet space over my stove. They charged me a restocking fee for returning the microwave and have NEVER adjusted my original bill to reflect the deduction for the returned microwave or deducted the charges for the installation of the tv. I payed the monthly bill ( late 2 times ), initially they were harassing me and calling me at work. I asked them not to call me at work and they stopped. XX/XX/XXXX I tried paying the balance off but it is incorrect and I refused to pay the incorrect balance. My payment is due on the XXXX of the month and they call at least 10 times a day for the payment. My husband and I have been to the store and no one is ever there that we can speak with. When they call me at home and I inquire about an adjusted ( corrected ) bill, they say they are transferring me to customer service and the line goes dead. I am at my wits end. I am considering getting a lawyer. I 've tried reaching someone at their home office in Texas, to no avail. I went to their website and it was full of complaints ( I submitted one also ). Please help me get resolution in this matter ASAP! 

Very, very DISGUSTED P.S. My initial monthly payment was late because I was told the first payment was not due till XX/XX/XXXX but it was actually due on XX/XX/XXXX ; I requested my payment date be changed to the XXXX of the month and that was a big hassle also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
They also left messages saying it was in my best interest to call back inferring I had a debt to settle or a negative connotation. I know for a fact it is illegal to do that in a message because they do n't always know who has control of that phone or voicemail. These are malicious attempts and each person should be fired that has left a voicemail in such manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been paying an interest only for ten years on XXXX trusts for my house at XXXX XXXX XXXX XXXX XXXX, XXXX One of the trusts, an equity account set up by the company, Wells Fargo Bank , at the time of closing on the mortgage, is now in fixed rate status. The other one, the home mortgage, is set to for going market rate in XXXX, 2015. While prior modification applications have failed, I thought Wells Fargo would give me a fixed interest rate when the current rate was due for re-setting. Instead, what Wells Fargo gave me is a 12-month variable rate which would be reassessed on the property annually. Even the rate went from 5.75 to 3.0, I think it is predatory because assuming the going rate for next year is 7.0, that is how much I am going have to pay and when I am unable to pay, I would my house after paying more than {$200000.00} in interest only arrangement. Please step in to protect one more vulnerable customer. 
The names on the Mortgage are : XXXX XXXX XXXX and XXXX XXXX XXXXThe Mortgage Account Number :XXXXThank you for your timely assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is claiming our escrow account has a shortage. Our county, local and school taxes did not go up. Actually, our school taxes went down according to Wells Fargo, but I ca n't find the exact amount. Our homeowners insurance increased by {$53.00}. When I add the monthly escrow amounts, we only have a shortage of {$41.00}, but Wells Fargo claims it is a shortage of {$62.00}. I asked customer service to re-do the yearly analysis since it is wrong, and she says they wo n't redo it. They mailed our coupon for XX/XX/2017 and now have us paying a shortage of {$100.00}. I 'm willing to make up the shortage of {$41.00}, but I 'm not willing to pad my escrow account and have an extra {$60.00} for Wells Fargo to use for their interests. My escrow account should balance {$0.00} when Wells Fargo is finished paying our taxes. Wells Fargo makes money on our mortgage, not on our escrow account.

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 2016-01-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo foreclosed on my property with no right to do so. They did not pay off the previous mortgage I did. I paid them back my own money and then they took my property my escrow my proceeds my income and a loan I have paid again included in a mortgage on my house. 
Wells Fargo needs to return all of the money I paid them including the escrow they collected on another property to which I made separate payments to another lender. And return the money they were not entitled from the foreclosure. 
They owe me more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/2014 I made XXXX wire transfers to XXXX. After several agonizing weeks the money was transferred back into my account on XX/XX/XXXX and XX/XX/XXXX with {$1100.00} short. The bank stated the difference was associated with the difference in exchange rates and refuses to credit my account nor did they refund my wire transfer fees. 
I think the bank attempted to profit from the exchange rate change and never transferred the currency and returned the money in stead of taking a loss from the opposite rate maneuver.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have forwarded all required documentation to Wells Fargo Bank regarding a short sale and they have acknowledged receipt of the material. They indicate they are in receipt and blatantly stated that they will not rescind the foreclosure sale date of XX/XX/2016 even though we have a cash buyer who is ready to close escrow. I have been told that they have n't been able to complete their review of the properly submitted material. On numerous occasions they have asked me to re-submit documents that have been sent previously and acknowledge receiving. When I make phone calls and leave messages, it takes them several days to respond, even though it is clear that time is of the essence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Back in 2005, I started a mortgage with Wells Fargo. The market was a lot different then. The home is in North Carolina and is now considered our second home. The loan is a XXXX year interest only loan. This means that it just matured this past XXXX. Over the past XXXX years with interest rates improving, I 've been wanted to refinance, but could n't due to XXXX factors. # 1 Being that Wells Fargo sold me a bad loan. I had no idea that there was such a thing. This means that it is n't insured by XXXX or XXXX XXXX. Therefore it is very challenging to be considered for any refinance options. The worst part about this is that I was targeted by Wells Fargo for refinancing numerous times, only to have my hopes crushed when the sale people from Wells Fargo came to the same realization that not being insured by XXXX or XXXX XXXX was the kiss of death. It got so bad that I would take their calls and explain this to their sales teams right up front, they 'd do some checking and save us all some trouble. The XXXX reason I was n't able to get refinancing help was due to the market conditions lowering my house value to my loan. So ... since I was n't paying any principal, just interest on top of the depressed market, my loan to value would never improve. 

So, now that my load in changing to an ARM, my payments have increased another {$350.00} per month, making the payments even more challenging to make. So ... essentially, I ca n't refi to improve anything, but they keep raising my prices making the payments more challenging. We have to try and sell or just keep taking huge losses each month.

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