vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I closed my Wells Fargo IRA in XXXX 2015 and noticed that funds were still withdrawn in XXXX 2015 from my Wells Fargo checking account to go into this nonexistent account. I notified the claims department and I was given a temporary credit in XXXX and then it was reversed XXXX " because I failed to return a Wells Fargo Document ''. I am currently out of the country and have been for several months and therefore I have not received any mail nor were any messages provided to me that claims department needed additional information. This reversal caused my checking account to be overdrawn and I suffered a series of overdraft charges as a result. Curious why Wells Fargo reversed this or asking for notarized statements, etc. since this is pretty straightforward : I closed the Wells Fargo IRA so what sense does it make for me to still be deducting funds from my checking account to continue to place funds into an Wells Fargo IRA that I closed and no longer exists? Now I have been chasing a moving target of notarized statements and poor customer service ( you can read the email thread I am enclosing as an attachment ). 


P.S. I called twice this morning and XXXX times, after being on hold for around 30 minutes each time, XXXX representatives I spoke with were very rude and seemingly incompetent. It was almost as if I was interrupting them. Is not their job to field questions from customers in a professional manner? For the record, the first rep hung up on me ( I am sure of it ) after I asked her for an explanation and the second one actually yelled at me ( yes, yelled at me ) when I asked her the question I asked you above, namely, what sense does it may for me to continue to deduct funds from my checking to put it into a Wells Fargo IRA that no longer exists? So, please do not ask me to call your XXXX number again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I 'm handling the estate of XXXX XXXX XXXX. I know he has a balance due to Wells Fargo for a credit card, but I do n't know the amount. I have called and tried to reach a human there to no avail. They leave me messages from the " Deceased Management Office '' with Reference No. XXXX, and they tell me to call ( XXXX XXXX XXXX. When I call, I wait on hold and no one ever picks up my call. I 've waited as long as XXXX and 20 minutes before. I want to close this estate, but I have to pay all the creditors first.

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 2015-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo in an effort to assume, modify or refinance a loan so I can keep my home. I have submitted documents as requested yet the lender is stating that they have not received the documents and or it has not been processed. My aunt recently passed away and I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had a first mortgage and second mortgage with Wells Fargo for quite a few years. I have never missed a payment. Recently, I applied for a new first mortgage that combined XXXX my first and second present mortgages. I was turned down due to " Excessive obligations in relation to income, Income insufficient for amount of credit requested, Value or type of collateral not sufficient. '' Then I added an additional XXXX/month by increasing my monthly payment from XXXX. I did not need this extra money, or even the {$1000.00} original payment so I put about {$3000.00} in my money market account each month. I was again turned down for the same reason. I spent over {$10000.00} in application fees. 

Given that my income exceeds my needs by almost $ XXXX/month and the payment on a new loan would be less that my present XXXX loans, and given that my credit report is in the XXXX range, there is something very fishy here. It appears that Wells Fargo wants to keep the original loans as is because they get more interest income. 

My Income vs Expenses/Month Income/Month After Taxes Social Security {$1100.00} XXXXS XXXX ( XXXX ) {$2300.00} XXXX one time/year : XXXX $ XXXX ) {$370.00} XXXX ( to be increased ) {$2800.00} XXXX Primary {$2400.00} XXXX other {$490.00} Husband 's Rental Income ( handed to me each month* ) {$2400.00} XXXX XXXX ( variable from {$100.00} - {$2000.00} ) {$300.00} *Husband 's renter gives him XXXX checks each year and he signs them all to me at one time. 
TOTAL {$12000.00} I also have a Money Market account where I put my access funds. 

Expenses/Month XXXX ( XXXX ) {$2600.00} XXXX Rental expenses {$3800.00} XXXX water ( XXXX ), XXXX XXXX XXXX ), XXXX & XXXX XXXX XXXX ), XXXX XXXX XXXX ) {$370.00} XXXX XXXX XXXX XXXX {$500.00} Miscellaneous estimate {$2000.00} TOTAL : {$9400.00} The nearly {$3000.00} left over is put into my Money Market account. 
I always pay my credit cards in full every month. I do not owe anything else. 

Other Information Both my husband and I have medical insurance for life, grandfathered from XXXX that has little or NO CO-PAYMENT. We also have dental insurance that has a moderate co-payment. Also, I 've had no car payments for the last 21 years XXXX XXXX XXXX XXXX XXXX. I also keep at least {$2000.00} in cash at home. 

My credit rating is at the XXXX level.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I received a letter from Wells Fargo stating that they were releasing the lien on my XXXX mortgage with them. They stated they were releasing me from any obligation to make payments on the loan now or in the future. On XXXX XXXX, XXXX Wells Fargo recorded a Full Reconveyance with the county recorder 's office granting me sole title to my home. Relying on their statements, I believed that my previous loan and account were closed. On XXXX XXXX, XXXX I received a notice from Wells Fargo, XXXX XXXX XXXX, and an attorney representing Wells Fargo that they had referred a loan in my name to foreclosure. The account number listed was not one I had ever opened or authorized. It did not correspond to my previous mortgage account number. I wrote Wells Fargo by certified mail on XXXX XXXX, XXXX, notifying them of the error, and notifying them that my previous mortgage account was closed, and that I had not opened or authorized any subsequent accounts. On XXXX XXXX, XXXX they wrote me, stating they would resolve the issue by XXXX XXXX, XXXX. I have had no response from them since, and they have not corrected these mortgage servicing errors. I filed a police report and FTC identity theft report when I discovered Wells Fargo was reporting to the credit bureaus a mortgage account in my name that I did not authorize. On XXXX XXXX, XXXX I sent a credit report dispute notice to Wells Fargo by certified mail, providing proof that my previous loan was current at the time it was closed and that I had not authorized the loan they state is in default. I have received no response. On XXXX XXXX, XXXX I again wrote Wells Fargo by certified mail requesting a reply to my XXXX XXXX notice of mortgage servicing errors and XXXX XXXX notice of credit reporting errors, and supplying further proof that the account they state is in default was opened without my authorization after my previous mortgage account was closed. I have received no response. Wells Fargo continues to state that my home is in foreclosure on a loan I did not authorize. Despite my repeatedly submitting proof that I no longer have any accounts with them, that they no longer have a valid lien on my property, and that they used my identity without my authorization to create a new mortgage account, they continue to report to the credit agencies that I am delinquent on XXXX separate XXXX mortgages for the same property. They also refuse to stop foreclosure proceedings against my property, even though they have no valid mortgage or lien on the property.

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 2016-12-02 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have a home mortgage at Wells Fargo. Wells Fargo increased my home mortgage after 12 months with more than {$120.00} without explaining why or noticing me. 
When I confronted Wells Fargo they started arguing with me and do not want to rectify the problem. This really seems unlawful and unethical!!

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 2017-02-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Fees were outrageous and I just want to end the loan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BYL Collection Services
State: DE

Complaint narrative:
BYl collection services did not provide adequate verification fpor debt question. No documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I made a Money Transfer by Western Union from XXXX to XXXX XXXX. I received a MTCN number for the transaction, but when I went to take the money the western union agent do not have all the money necessary to pay me ( total amount of {$150000.00} - american dollars ). So I received XXXX checks : XXXX of {$100000.00} and other of {$50000.00}. 
The problem is that when I deposited these checks in my bank account ( XXXX XXXX ), the bank refused XXXX checks, saying that the checks do not have founds and closed my account, holding these checks. They gave me copies of the checks and told me that the originals would be sent in a few weeks, but they did not arrived yet. I tried to talk with the Western Union, but I did not receive any answer or help even trying to talk with different agents. I would like to take my money in cash as soon as possible. I am waiting for a solution and I can not wait anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Bayview Loan Servicing , LLC denied me a HAMP Loan Modification because I " make too much money ''. This Servicer failed to give me a fair evaluation of my income and expenses. In addition, Bayview Loan Servicing , LLC failed to provide other remedies available to address my mortgage problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
Purchased items using both a Discover It and Discover Miles credit card using Apple Pay for the 10 % promotion XX/XX/XXXX-XX/XX/2014. The purchases were flagged as ineligible for the 10 % promotion since they were gift card purchases. Was asked to submit receipts for purchases to prove that they were not gift cards. The receipts were long gone by the time they had sent the e-mails. No other recourse other than to dispute or file complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover canceled my card for inactivity and they did so with a complete lack of adequate warning. Since I am a XXXX, I know that this will impact my credit score as this was my oldest open credit card and it will reduce the total credit availability to me so my utilization rate will now increase. I received an email on the day they closed my account ( XXXX/XXXX/15 ) saying that my account had been closed for inactivity. When I called customer service, they said the account had already been closed and could not be reopened without new application, which defeats the point. 

When I expressed my dismay that they did not provide any notice, they said two things that I can not accept : 1 ) " Well, we sent you a letter on XXXX/XXXX/15, '' XXXX it may have been XXXX ), and 2 ) " We are not required to provide any notice. '' First of all, sending me a letter 2 days before you take action is not " notice. '' I actually still have n't received this supposed letter, but even if it had the correct address or they really mailed it, I still would not have received it in time to use the card and prevent the closure. Second, the fact that they said they are not required to provide notice really irritated me. I have been a customer of theirs for 19 years and have almost an XXXX credit score. Just because they do n't HAVE to does n't mean it is n't good business to do it. So, I told them I 'd be complaining to the CFPB because maybe they SHOULD " have to '' as it negatively impacts people 's credit score when it happens. 

I think you should make a rule that they have to provide 30 days notice before closing a card for inactivity. It also sounded like they can define the length of inactivity that warrants closure as they see fit, so I think another component of the rule should be an industry standard for what length of inactivity has to be met before closure can happen. 

Because I work in financial empowerment, I know this probably happens to a lot of people who do n't understand how it will impact them. For example, I am JUST about to apply for a HELOC and this could impact my interest rate or even my ability to get approved. Could you imagine if I were in the process of buying a home and my lender had given the typical " do n't change anything with your credit '' instructions and then this happened before closing?! It could tank the whole deal for someone. I 'm making sure that someone who can do something about it hears about it. I hope you 'll make a rule so other consumers can avoid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: N.A.R., Inc.
State: TX

Complaint narrative:
I sent a letter with Texas State guidelines for debt validation and received no response. I contacted XXXX and reminded them that the FCRA states that all debts that have n't been properly validated must be removed from the report until the debt can legally be verified. XXXX has continued to willfully violate the FCRA by reporting this debt without proper validation. North American Recovery also continues to violate the FCRA for not validating the debt as per Texas XXXX Code by providing the documentation that is required by Texas law. I sent them a copy of the criteria and they are willful non compliance with the FCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am a victim of identity theft. My Discover credit card was used without my authorization. I contacted Discover card and submitted a fraud dispute. As per Discover dispute department requests, I submitted a affidavit and filed a police report. Discover is stating they denied my dispute and will transfer the balance to my account. I spoke to XXXX a representative at Discover Dispute and requested to speak to a supervisor. I have not received a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
I have been trying to dispute several charges on my Discover credit card and after the last time I contacted your agency Discover opened the disputes and told me that they had issued provisional credits and allowed the merchants 45 days to respond or the credits would remain permanent. Two merchants provided responses that I am refuting, however, I have not heard anything on the remaining charges since. I would like someone to communicate the status of my disputes with XXXX on XXXX/XXXX/16 in the amount of {$500.00}. 
XXXX on XXXX/XXXX/16 in the amount of {$5500.00} XXXX XXXX on XXXX/XXXX/16 in the amount of {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: IN

Complaint narrative:
Today, I was issued a XXXX that I did not approve This has happened to me more than once Usually, I just pay it, but I just was released from the hospital and can not afford this Please take this charge off I 'll close the account after this is satisfied, and there 'll be no more problems Any questions, please notify me on my email account Thank you in advance for correcting this XXXX XXXX email ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
XX/XX/2016 I ran a credit report check. Unbeknownst to me there showed a collection agency of the amount totaling XXXX. Not knowing what this was for I contacted the number on the credit report on XX/XX/2016. It seems that an old apartment claimed that I owed them a balance for past rent that they sent to a collection agency. I advised that this information was not correct and I wanted to get a copy of the charges so that I could dispute it. I requested both a paper and email copy to be sent to my address and email address of the break down of charges because the agent could not provide me the information I requested on that call.. verifying all my information the agency said that they would get both sent to me. As of yet I still have not received any breakdown of charges or the dispute info that I requested.. But I checked my credit report today XX/XX/2016 and it shows that they reported me again on XX/XX/XXXX and XX/XX/XXXX again still without sending me any documentation or information about disputing. This collection information is incorrect and they are not sending me the information that I am requesting because they do not have anything on which they can charge me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
on XXXX XXXX, 2016, discover card services pulled my credit report without my consent. I did not apply for any credit, nor obtain any goods from Discover card services. there is a fraud alert on my credit report and the company failed to verify any information. There are XXXX inquires showing up on my credit report. XXXX and XXXX. Both dated XXXX/XXXX/16. I have not received a letter from the company. I only knew the company pulled my credit report by an alert from all three credit bureaus. This company has engaged in fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
Rewards points incorrectly subtracted from account in the first quarter of 2015 on a purchase and my account has been negative in excess of over despite me continuously using my card and earning rewards. Spoke with XXXX via Discover chat who confirmed that this should have not occurred. Transcript attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Healthcare Management, LLC
State: CO

Complaint narrative:
I am financially struggling. I called and offered to pay XXXX dollars a month towards my debt until I could get back up on my feet. A-1 refused to take my payment and said they would be garnishing my wages. He even said he would sleep just fine at night knowing I would n't be able to eat if he garnished my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation