vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
On XXXX XXXX, XXXX I went to the apartment rental company ( Sunbelt Credit ) where I normally go to pay my monthly rent. Before I went to Sunbelt Credit I called them to verify that my account was closed. The representative looked up my account and stated that the account was closed, at this time she instructed me to stop by the rental office to pick up paperwork showing proof that my account was closed, and she actually gave me a refund check in the amount of {$140.00}. I do have this paperwork in my possession at this time and I will upload the document. After I received the paperwork showing that I did not owe any money, I received a letter in the mail on XXXX XXXX and XXXX, XXXX informing me that I still owe money to Sunbelt Credit. On XXXX I received a phone call from Sunbelt Credit 's corporate office stating that I have a balance that I still need to pay totaling {$140.00}. She informed me that I had to pay the balance right away, and if I did n't that they would report it negatively on my credit report. I did everything that I was suppose to do to ensure that the allotment has stopped and that I did n't owe any further or future money to Sunbelt Credit.

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 2016-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I must start by saying this has nothing to do with my current mortgage. I 'm submitting this claim regarding my Home Equity Line of Credit. I know when I filed with Wells Fargo, to assume the mortgage note, I also filed to assume the Home Equity Line of Credit also as this was made knowledgeable me. The Equity Line of Credit was included but is not being acknowledged by Wells Fargo as of date. I filed chapter XXXX bankruptcy with the United States Bankruptcy court ( case number XXXX ) XXXX of 2013. Throughout the case, I 've received numerous correspondences regarding any adjustments to payment for which I 've have complied. I 've contacted my bankruptcy lawyer whom stated we did not file/ or included the Home Equity Line of Credit in the payment and that we needed to file which again will cost {$1800.00}. I 've also contacted Wells Fargo and to no avail I 'm back at square one. The Bankruptcy court documents states otherwise. In addition to this, my Home Equity Line of Credit statements which I 've been paying for, still has my ex-husbands name on the statements and it has been going to my ex-husbands address XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. But I 'm still paying for it. Changes have been made to my mortgage but not in its entirety regarding the equity line of credit.

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 2015-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I continued to stay in contact with Wells Fargo while I was trying to sell my house to at least short sell, if possible. I informed them I came to the house every day, was maintaining the house and had personal items I was trying to get out. I had piles to go to the auction, to storage and to move. 
I was never given a first time vacancy letter. Instead, one day, I came home to a notice on my door, the back door locks were changed. My personal belongings were thrown all over the place. My tax documents were gone through and stolen. I had antiques, tools, items ready to go to auction for sale that were stolen. The place was a mess and I had a showing that afternoon for the house. 
On top of this, when I called Wells Fargo and their service who changed the locks, they told me it was n't necessary to file a police report, only to find out later it was very necessary. I was continually given a hard time on the phone with my claim. They gave me different claim numbers, they told me to file a burglary claim online but my policy number was never accepted online then they told me that residential policies could not be filed on line. I was continually re-directed. In the meantime, I had over {$2500.00} worth of stolen items, along with my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was told by my bank that if I paid a higher rate, my PMI will be included inside the loan and I would not have to pay a PMI. I am seeing PMI payments on my mortage account for approx. XXXX This was n't suppose to be there. The bank lied to me by using depective practices to give me a higher rate. My rate was suppose to be 3.625 with lender paid PMI but I was given at closing 4.625 instead. I questioned the rate during the entire mortgage process but I was told its an estimate and it will be updated before closing. I raised this issue at closing again, but I was told to go ahead with the closing otherwise I will lose my money on deposit and other money I paid for the house such as inspections and etc. 

Also, I have requested several times from the bank to see the original loan documents, but the bank says they lost the original documents and can only provide copies. I believe my documents were altered and at closing I was told they will fix it but the bank never fixed it. I was also told I did n't have to escrow my account. But now the bank refuses to remove the escrow and wants me to send them more money to remove it. 

I have been asking the bank to show me any disclosures documents. Bank did n't provide any disclosures to me during loan process. All I got was a surprise at closing. 

I spoke with Wells Fargo while writing this letter. I spoke with Wells Fargo Representatives at XXXX at approx for about an hour more or less. I spoke with XXXX Supervisor in Loan department and she saw the Settlement Statement ( HUD-1 ) and says she sees my complaint is valid. HUD Statement Page XXXX ( Attached ) clearly shows the issue at hand. 
XXXX stated she has to escalate this issue since my complaint is valid, I was transferred to Office of the President and I talked to XXXX XXXX. She went over the complaint again and said someone from the retail divison will get back to me within 48 Hours. 

I have been reaching out the Wells Fargo for well over 2 years now and I have zero faith they will do anything about this issue and they keep giving me the run around.

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 2016-04-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I applied for, and received, on XXXX XXXX, 2016, a Capitol One Platinum MasterCard, credit limit set at {$300.00}. I activated the account on-line immediately. I first attempted to utilize the card on XXXX XXXX, 2016 for a purchase slightly over {$10.00}. The card was declined. When I checked the account on-line, it showed the account as restricted. I contacted Capitol One by telephone on the morning of XXXX XXXX, 2016, and was told ( by XXXX ) there had been fraudulent activity on the account, and he acknowledged the attempted {$10.00} purchase. After thirty minutes without resolution, I requested a call back if there was resolution, and XXXX requested my telephone number. I did not receive a call. XXXX minutes later I used the Capital One on-line chat feature to request ( agent XXXX ) cancellation of the card. I was told I would have to call Capital One. I explained I had spoken to them for thirty minutes just earlier without any solution or resolution. I explained I considered the account closed and would not be utilizing it, would not accept responsibility for any charges, and would send written request to Capital One with a transcript of our chat. XXXX provided me with their mailing address. We concluded the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo has refused to file CRA history to my records as co-mortgage holder after a bankruptcy discharge in 2007 and a signed reaffirmation agreement with original deed holder. We have tried for several months using USPS certified mail, email, phone and attorney conversation to have this issue corrected. This has affected our refinancing of our property and my ability to obtain credit from other creditors.

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 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2017, I ended my service with XXXX. I paid my final bill and there was a small balance left over for the devices that I had under a payment plan.I remained in consistent contact with XXXX and the bill for those charges came due on XX/XX/XXXX. On XX/XX/2017 I called to discuss arrangements for the bill. I 'm waiting on my new phone carrier to provide me with the funds to pay XXXX out, but in the meantime I understood that my bill with them was due so I called and asked for a settlement since I do n't even have ownership of the phones anymore. Each representative that I spoke with on that date acted as if they did not understand what i was asking for. On Monday, XX/XX/2017, I received a call from Convergent Outsourcing on behalf of XXXX stating that my account is now in collections. I immediately called XXXX to inquire about why they sent my bill to collections without any warning or notice. My bill just came due at the beginning of the month and they are in violation of Section 806 and 808 of the Fair Debt Collection Practices Act. They had no right to send my account to collections. According to a customer service representative with XXXX, they sent the bill to collections on XX/XX/2017 and can no longer speak to me on my account. It is ironic that ONE day after I called to make arrangements on the account I all of a sudden am being sent to collections. Someone either assumed that I was n't gon na pay or sent to me to collections because I asked for a settlement and I did not ask them to do that. They can ruin my career of this were to go any further. I settled the account yesterday with XXXX XXXX at Convergent Outsourcing. She promised to send me a letter immediately confirming that the account has been paid in full. I have not yet received it and every time I call back I am told a different story. This is a complete nightmare that would have never happened had XXXX not broken the FDCPA when dealing with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I took Wells Fargo mortgages to court over 3 years ago and they still have not applied my payments correctly. The judge had to call Wells Fargo every month from I beleive if was from XXXX XXXX thru XXXX XXXX to get Wells Fargo to follow the stipulations on judge XXXX 's decree in my favor. Finally on XXXX XXXX they said they did everything the judge told hem to do. 
They did not do what the judge told them to do. For he next 3 years they have not applied my payments to my account. I have made my payments according to the judges decree. I 've made my payments, when I make my payments and let 's say for example my payment coupon/statement would say I am XXXX in arrears, I make my payment and it now says I am XXXX in arrears even though I just made a XXXX $ mortgage payment. My decree states that from this point forward that I XXXX XXXX will XXXX my payments as such : there is no balance plus payments to be paid, just my payments. 

Ive called Wells Fargo and the open a resolution, but every time they send me back a list of all payments received which does not include all of my checks received : I provides them proof of all my payments and they just aend me their itemized liar XXXX payment received and then they close my case. They do not even look at what the judge has decreed. They just throw if write back at me when the judge had to keep calling Wells Fargo dos 3 months for them to get their act together : I then reopened my lawsuit with Wells Fargo and the judge order them to lay me XXXX $ this was XXXX $ for each of my XXXX loans. 

I finally ended up doing a loan mod on XXXX of my loans and they again tried to foreclose on my home even though I made all of my payments. Now they are trunk to foreclose on my rental property. Wells Fargo does not follow judges order and they take no responsibility for their actions. 

XXXX of the things Wells Fargo responded was that payments were to begin on XXXX XXXX for both my properties. Actually the court documents state payments are to begin XXXX XXXX. I had started an inquiry in XXXX XXXX I beleive and every 2 weeks I received a new letter stating they needed more time to investigate this went on for over 6 months

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 2016-11-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I attended University XXXX and used my XXXX GI Bill. When the money ran out I took out a personal loan so that I could complete the degree plan. When I enrolled in the XXXX XXXX Program I was made to believe that the majority of my classes from my XXXX in XXXX XXXX would be accepted. I made a spread sheet and compared the XXXX Texas classes with XXXX to show where they were identical and none of them were accepted. I was on a time constraint and trying to move upward in my career so I maintained enrollment until I completed the program. As I attended the classes I confirmed that they were all the same as the ones I completed through XXXX Texas XXXX that University XXXX was claiming to be higher series than the XXXX XXXX level

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 2016-11-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In 2007 I opened a bank account at the age of XXXX with wells fargo. I was constantly badgered about opening a credit card account by bank tellers but always declined. Later that year I accidently overdrew my account with a purchase but quickly added money to my account. Without my knowledge a credit card account had been opened in my name with wells fargo and an automatic overdraft protection transfer was made from this line of credit without my knowledge. I never received a credit card in the mail, I never heard mention of it, and I never saw a tab from a credit account on my online banking. YEARS went by and my delinquent credit amount of maybe XXXX dollars remained. I received no notices about by email or physical mail. I eventually met with a banker to check my credit score and he saw the strikes on my credit and the now XXXX $ that had accrued in interest and I quickly paid the fees to stop the bad credit and closed the account. I was unsure of how this could have happened and they said I opened a credit card. When I asked to see a where and when I could have possibly signed up for a credit card that I know I 've never wanted because of my hatred for the badgering I constantly received I found that in 2007, if an account holder was under XXXX the banker could sign a user up solely with a verbal confirmation and without a signature. So no proof exists of me wanting to sign up for a credit account except that some teller said I wanted the account. I never had and never will want a credit card account with wells fargo. At the time I was unsure of what to make of all this until I learned of the huge scandal that wells fargo was involved in. Now I realize I was taken advantage of and want my money back along with any interest. I went into a branch office and they said it was too long ago to have records of proof of the money being taken out of my account. I do n't believe I paid the balance until only a few years ago though so I think it should still be in my account. I do n't trust them and am afraid they will just try to delete any proof that exists. I know my case is a small XXXX but any help would be greatly appreciated! thank you -XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The property that I live in and that it is my primary home it is currently in foreclosure. The property was purchased with a loan that was a negative amortization and it was part of the predatory lending practices during the financial crisis. The loan was not explained to me and sometime after the purchase I was unable to make payments when the payments increased. I am a retired person and XXXX years old. I have been trying for years to come to an agreement with my bank and get a loan modification with a fixed interest rate, and for which I have been denied each and every time. I am a retired XXXX lady that get help from my children in order to pay my bills. The bank refuses to modify my loan because they say its been more than 36 months since I last made payment. We can show enough income coming to afford the new modified payment with the help of my children who are willing to assist financially with my mortgage. The bank refuses to allow their income as help and I will loose my home as a consequence. At this time the bank has requested the courts a sale date. If the sale goes thru I will be homeless. Again, this is my primary home and I have no where else to live. I am hoping your agency can help in having the bank process a loan modification so I can continue to live in my home with the financial assistance of my children. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has refused to link student loan account information to my online login so that I may access and gather information relating to balance and payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The mortgage lender failed to adjust the escrow amount even though property taxes increased. Because of that I have a large negative escrow balance. Now I receive a notice that the lender requires almost {$4600.00} now, or I can have my payment go up by 48 % for a year to correct this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Discovered fraudulent activity on our Navy Federal Credit Union sponsored XXXX on XXXX and XXXX XXXX 2015 for {$30.00} and {$5.00}. 
Reported the same to Navy Federal Credit Union who advised additional fraudulent charges of $ XXXX not present on our online account access. 
Although Navy Federal Credit Union cancelled the card immediately, they could not provide why additional fraudulent charges were not visible via our online account access. 
We are unsure of the amount of loss if any however believe Navy Federal Credit Union needs to provide all transactions on credit cards they sponsor in accordance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For the last year I have received Email messages from Wells fargo Bank about my online account but never opened them believing they were spam. I have no online or any other account with Wells Fargo. Since the action was taken against Wells Fargo for fraudulent consumer enrollment in various services, I thought my problem was included as part of the resolution until I received an Email this morning from Wells Fargo about my online account. I believe Wells Fargo has engaged and remains engaged in fraudulent activities that need to be addressed.

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 2016-10-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/2016 - I was retained by Notary on the XXXX, XXXX a vendor of Wells Fargo. I was retained to oversee the opening a safety deposit box at a Wells Fargo branch in XXXX XXXX, FL. Wells Fargo retained the professional services of XXXX to drill open the safety deposit box. Wells Fargo failed to ensure that its vendors operated in an ethical business manner. In conjunction with XXXX, Notary on the XXXX Wells Fargo is defrauding the public by failing to vet its vendors.

Company response to consumer: Closed with explanation