vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo is FRAUDULENTLY sending communication via regular mail. 

The date they print on the letters is NOT the date they actually SEND the letters. I have found many cases that they are mailing letters XXXX 10 days LATER than they are printing the date on the letters. This is FRAUDULENT as many times they expect a response within a certain # of days from the date of their letter. They are BACK DATING the letter or failing to mail it for MANY days. 

This causes a lot of trouble for people like me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I took a check from my XXXX XXXX XXXX account to Wells Fargo to deposit. The teller and branch manager told me a hold would be placed on the check and I told them a hold was not necessary as this was a XXXX check. They insisted so I told them to give me the check back and not run the deposit. I took the check to my other bank and deposited it, without a hold, and opened an IRA account there and deposited the check. 4 hours later I got a phone call from the Wells Fargo branch telling me that the deposit went through their system and the funds were pulled from XXXX by Wells Fargo. I spoke to the XXXX XXXX and she kept repeating that she would " release the hold '' as soon as the funds were received from XXXX. I canceled the deposit, took possession of the check, opened an account at a different and deposited the check there. Wells Fargo should never had finalized that deposit and pulled those funds from 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 2016-10-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo just decided to close my credit card with out my prior approval. They are stating that my card has over six months inactivity. I have paid off my Wells Fargo card and have a zero balance, therefore I do n't understand why they closed my card?! The letter Wells Fargo sent me ( dated XXXX XXXX, 2016 ) also indicated " High Balance ( s ) as compared to the credit limit ( s ) or revolving line ( s ) of credit on credit report. '' Another reason is " Low payment ( s ) as compared to balance ( s ) in the last year on your Wells Fargo credit card ''. This makes no sense, since all payments have been timely. I have paid off all my credit cards including the Wells Fargo card in order to avoid debt and this is what I get?! I called the Wells Fargo customer service line on XXXX/XXXX/2016 and they were unable to help me ; the representative said that I needed to call XXXX. I will try them again tomorrow to see if they can reinstate my card. This is very unethical to say the least! Banks should not unilaterally close your cards as a sort of punishment for simply paying them down to zero. Please HELP!!!

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 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I took out a mortgage with Wells Fargo in XXXX when my husband and I bought our co-op unit. In XXXX, we refinanced and moved our mortgage to XXXX. There was a mishap at the time of the refinance that resulted in Wells Fargo sending me the stock certificate for my co-op unit instead of sending to XXXX, however I was able to resolve this at the time. 

Now, 4 years later, I am selling my unit and today received a title report that shows that Wells Fargo still holds a lien on my property even though the loan was paid off in XXXX. We are scheduled to close on Tuesday XXXX/XXXX/XXXX and my sale is time-sensitive, as the purchase is being made using funds from a XXXX exchange. When I called Wells Fargo today to inquire about this lien, I was told it may take up to 30 business days to issue a XXXX, which will delay and possible derail my closing. I will also incur an additional month of expenses as a result of having to close later. I feel that the bank was careless in dealing with my account closing, as demonstrated both in my receipt of the stock certificate as well as their miss on not closing the lien. This mishandling is now impacting me financially.

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 2015-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In 2009 my lender admits to making a mistake using an incorrect HUD-1 addendum which caused a delayed endorsement and therefore caused a negative impact on my refinance streamline options to obtain a lower interest rate with a grandfathered MIP rate. 
Although, they admit to making a mistake, they are not reconciling their error with me. 
Refer to attached documentation. I only learned about this mistake because over several years I continued to do research as to why certain refinance options were not available to me and they should have been. If this mistake happened to my loan servicing and it has not been reconciled with me, how many others are unknowingly suffering because of a similar mistake by their servicing lender?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
As of this month my bank, Wells Fargo, changed their security features and the entire webpage format. Previously you were able to view your processed ( cashed ) checks online through your login account and save the images for your own records. The updated security feature now blanks out the account number and the entire signature on the front of the check which invalidates the ability to use it in a court of law as a legal document. You are now being asked to call the XXXX number to get a copy of the check which you are now assessed a fee for and you no longer have direct access to your information without the blocking of important details. This is supposedly done for security purposes, when it was accessible previously for years for free. This makes no sense, when you login in to their secure server to see your personal account information. This was only done to incur a charge for processing the copy and mailing it to you to make money. By altering my document without my permission and taking away my right to have free copies of the checks they have created a black mail situation. A check is a legal binding agreement once it goes through the bank. They have no right to alter the appearance of my check without my permission. That is fraud. All of my checking accounts have been affected in this way. I am very dissatisfied and want my checks to be free to copy as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have been unable to use my account due to fraudlent activity because of identity theft i spoke with the fraud dept awhile ago to get it resolved nothing has yet to be done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This debt has been charge off, now it is comingbac for collects. I would like for thisto be removed from my credit report. XXXX and 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 2017-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
In XXXX XXXX, I filed a complaint on FBC [ Case number : XXXX ] due to the miscalculations for a loan modification. FBC did reply the complaint and admit fault and since I 've re-sent documentations for a loan modification to FBC. On a weekly basis, I call and check on my loan modification but it seems no update has occurred. For example, I called on XXXX XXXX, XXXX and spoke with XXXX XXXX rep # XXXX and she informed me they received all my documents and the opener has 5 business days to review the documents before sent to the underwriter or the consumer is contacted if further documents are needed. XXXX XXXX informed me the day I called, XXXX XXXX, XXXX, was the final business day and there will be an update by tomorrow. So, I called FBC on XXXX XXXX, XXXX and spoke with the same rep XXXX XXXX who informed me she will check with the opener again and will escalate my case. Such " run around '' is frustrating, unacceptable, and unprofessional. My intent is to keep my home yet I feel FBC is dragging the process with the intent to take my home away from me. I faithfully follow-up with FBC and give any requested documents in a timely fashion yet FBC is not working with me. Please look into this matter as my intent to reinstate our mortgage and keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Mortgage lending financial institution offered me a pre-qualified lower interest home refinance loan for a current mortgage home loan I had with Wells Fargo since XXXX 2010. As result I applied for the home refinance loan since it would give me {$35000.00} in interest savings over the remaining life of the loan compared to the current interest rate I have on my existing loan. Once the application process started I provided Wells Fargo with every individual piece of financial information required to support my application, such as, 401K account statements, paystubs, and paid {$550.00} to obtain appraisal on my current home. Although all of my financial information support my worthiness for a loan and my current home appraised value is {$200000.00} more than what I owe Wells Fargo the bank refused to extend me the loan. Wells Fargo reason for not extending the loan is that while appraising the home the first time the assessor noted that the home was being upgraded with hardwood floors and therefore another appraisal is required? I asked Wells Fargo to pay for the second appraisal since it was their mistake for not asking me if the house was having upgrades during the time of the appraisal and I do not have the financial means to pay for a second appraisal. I attempted to speak with Wells Fargo on the phone however they hang up the phone on me? I also sent emails to the supervisor overseeing the file and no response was ever received from them? Lastly I learn that my loan application was denied??

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 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN HAS BLOCKED MY ON-LINE ACCESS TO DISPUTE. 
experian has permitted XXXX different furnisher 's to report accounts without a date of XXXX delinquency.the date is required by XXXX XXXX.the date must be accurate according to this citation which i have cited, circled and underscored. 
Without this date or a fall-off date the negative reporting continues forever and that is illegal credit reporting. 
PLEASE CORRECT OR DELETE AS PROSCRIBED BY LAW OR FACE CFPB FINES AND CIVIL SUITS.

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 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute with Experian. Within XXXX days I received a response that that dispute was closed/ resolved. Nothing ever changed. Both XXXX and XXXX removed the items from my report due to it being false information. Experian did not investigate the false information and has not removed it from my credit report with them. When I called Experian the representative said they do not do disputes and I was basically out of luck. These items on my credit report are false, and how do I get them removed if Experian will not do an investigation?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I visited Experian 's website to obtain my credit report and I was charged {$1.00} on my credit card. Subsequently I was charged {$21.00} though I ordered nothing else. I called Experian and they said I ordered a broader service that included my XXXX score. I did not consciously order this service, and I never was presented with a cart containing this order with a button to submit the order. I also had the exact same experience with XXXX except I was charged {$19.00}. I have not been able to reach a live human at that company. I am an experienced internet shopper and I have never seen anything like this. Experian told me that I would have been charged {$21.00} every month unless I canceled, so they canceled " my order '' but refused a refund. I assume that XXXX has the same policy. I will try to contact them on Monday XX/XX/2017 when they are open.

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 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to multiple different credit report websites trying to obtain my credit report for the first time. All sites would take me through the entire process just to get to a series of questions where I am asked, " How much is you monthly mortgage payment? '' Being that I 'm XXXX years old and just now starting to build my credit you can trust me when I say I have no mortgages. So after I click that I in fact do n't have a mortgage, the websites all tell me my report is unobtainable. I tried contacting Experian Credit Bureau by phone and could not get in touch with a real person, nor would the prompts lead me in a productive direction, which leads a very frustrated me to you. If you can help in any way it would be much appreciated. 
Thank you. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
When requesting our annual credit reports we also will pay to receive our Credit Score at the time of the report. Experian does not properly disclose ( uses " mouse print '' ) that when you pay {$4.00} for the credit score you will be automatically enrolled in a credit score monitoring membership that the consumer is responsbile for calling within a 30 day window to cancel without charge ( {$19.00} per person/per month ). There is no acknowledgement required on behalf of the customer that you agree to this - other than indicating you want to get your credit score. I have been charged for both myself and my husband in XXXX and XXXX 2015 after pulling our initial credit reports and scores in XXXX 2015. I contacted Experian today and they canceled my " membership '' and after I mentioned I would be filing a complaint with the CFPB they were " able to refund one month of charges '' but that would be all. I work for a financial institution and I find it appalling that Experian is able to do this to consumers without requiring their confirmation/acknowledgement of accepting the service and the associated charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I tried to get my Credit Report and score via Experiam.com and was not able to do so online. 
I received a email from Experian with a phone number to call instead to get get my Credit Report and score. 
When I called the number XXXX the level of disrespect, professionalism i received was unbelievable. Never in my life I experience customer service as bad as thatXXXX call- could n't help me and transferred me to a machineXXXX call- could n't help me and transferred me to another line that did n't workI called again, for the XXXX time. This time a male agent try to help me and he could n't either. 
I ask to speak to a supervisor and i was on hold for 15 minutes. supervisor finally came on the phone and said there was nothing she could do for me. She now transferred me to another department after I had to hold for another 20-30 minutes. At this point had been on the phone for about 1 hour and 30 minutes. and all I wanted is my credit report or if they cant give to me to give me a reason why not. No one at Experian could do that for me. 
This next person I talk to was completely rude, unprofessional and mean. she started screaming at me saying that there is simply nothing she can do for me. I ask to speak to her supervisor and she said I could n't. unbelievable! I asked her for her name. she said she could n't provide that mind you I 've provided this person with all my info : name, address, birthday, social security ... you name it. yet, she would n't tell me her name or transfer me to a manager. After I pressured her to get her name she said her name was XXXX '' from the XXXX department. I then ask her for her operator # and she would n't provide that either. So I hung up and now I do n't have my credit report from them and I dont have a reason as to why not. I was disrespected and its sad that a company as big as Experian would treat people like this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I attempted to get my free annual Experian credit report on-line and failed due to the obscure security questions that were asked. After failing to get the free report, the system showed that I had received it ; however, I did not receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After reviewing all XXXX credit reports, I noticed that XXXX 's Collection Agency named XXXX had me placed for collection on XX/XX/XXXX which I do not recall authorizing. I am under the impression that they should n't be allowed to put an inquiry on my file unless I have authorized it. It has been paid as of XX/XX/XXXX. I feel that due to the fact that it was not authorized and it is satisfied that it is about time that it is removed from my report. It is making it difficult for me to bring back my credit back to good health. Please help me if you can. Thank you for your time and consideration!

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