vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX Adjustment B Account Number Num : XXXX Balance {$2800.00} Dear XXXX, I am writing in regards Adjustment B account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage LLC illegally foreclosed on my home XXXX XXXX, 2014. I do not have a mortgage agreement with them. They are a debt collector who claimed they were my mortgage company but I never had a signed agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I log into Navy Federal Credit Union to setup some bill pay because I have my XXXX Salary go into this account there are some bill that nee to paid. Everytime I week there 's problem with my Navy Federal Credit Union Account either suspended my account for membership verification or withholding my pay because of fraud and not refund my money back into my account. Now today this what I see when I log into my account this message. 
Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. 

Please investagate the product and services and why they just suspended your account without notify you and ensure that are working according to United States Banking Federal RegulationsBecause your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The debt they are attempting to collect is over 10yaers old and the account has been closed. They call me at XXXX every night. When I answer, someone asks what my name is and when I ask who they are they say " please hold '' and then they transfer me to midland management. Whom I 've told several times that the account has been closed, I 'm not paying it, and stop calling 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 2016-08-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo response still does n't address my mortgage delinquency. This lender is not trust worthy or ethical and they tried to illegally foreclose on my property and I caught them. I have been trying to get Wells Fargo to do the right thing since XXXX 2015 asking them for a loan modification. They will absolutely not do it and have denied me and my family 6 times. My property has a good amount of equity and Wells Fargo continues to play serious hard ball denying me on every turn I take to get mortgage assistance. This huge bank is just not in the business of helping certain home owners. They want me to take all the responsibility for {$49000.00} behind payments. I would not be behind this far if Wells Fargo simply did n't lie during all the loan reviews and would just start taking payments to stop the bleeding. They continue to refuse me paying toward my mortgage. I signed a promissory to pay back what I borrowed even if I am delinquent. If Wells Fargo continue to deny my loan mod request then why do n't they at least allow me to make payments to keep the balance down. Wells Fargo wants to keep the fees and balance growing so its nearly impossible for me to ever catch up. I have been very transparent with Wells Fargo but their reps continue to ignore me and laugh in my face. The are the most brutal lender I have ever seen to work with. My last denial said I made enough and could afford the payment. Yes I can afford the payment so therefore I deserve the right to stay in my home with my family. My wife and I have a XXXX XXXX XXXX girl for XXXX 's sake!! We do not have the ability to come up with the $ XXXX over night. My wife and I had some terrible family hardship, loosing a child, that led to the delinquency. How can any normal lender with compassion not wan na help a family who lost a child. Do they believe in XXXX karma and have a conscious? I need some type of plan or assistance from Wells Fargo. But they wo n't do it because they want my equity in my house through foreclosure. They will not say this but its true. If my home was under water in a bad market, a loan modification would be granted immediately. Wells Fargo has fought me tooth and nail like a heavy weight fighter. I just recently sent over my appeal request with a change in income circumstances. I have a new job with XXXX XXXX and I 'm eager to start making payments. I am hoping this appeal will get me a loan modification approval and a trail payment plan. I would like a phone call from the CEO or the head of mortgage lending to resolve this delinquency ASAP. Thank You

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 2016-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Each month when I pay my mortgage and escrow, Wells Fargo take my check and places it in an " unapplied '' account. The problem here is recurring and in XXXX 2015 Wells was found to have misapplied funds and was led to back track and make corrections. 

The problem persists because Wells refuses to address the issue of the errors in the ledger and therefore continue to misapply the account management. The error here is very clear and if Wells would make the correction, this situation would be resolved. 

This is the error that is causing the " unapplied funds '' Tax : XXXX Ins : XXXX Escrow XXXX However according to your Escrow records ( XXXX/XXXX/2015 ) was there is a standing escrow balance of XXXX. 

Escrow account : XXXX Pre Balance : XXXX correct Escrow XXXX Wells Fargo has made no effort to address this problem.

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 2015-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i have submitted loan modification request with full package last XXXX 2014 and have been waiting for the result but the lender did not give me any result regarding approval or denial of the modification. I recently applied again for update status of my application and situation. The lender has sent me the notice of sale and they want to foreclose my house over the options of modification to keep my house. They told me they will not postpone the sale date to me and wish to move on with foreclosure even though they request additional documents and had submitted for review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells fargo still continues to charge me MIP, when my over XXXX % in equity Mortgage insurance premium ( MIP ) Payment amount {$260.00} Premium amount {$3100.00} Frequency every 12 months Next due date XX/XX/2017

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 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
It is with great frustration that I continue to request and look for help. Its been over two years that I applied with wells fargo and their American servicing compnay for a loan modification and as of yet I can not receive any help or understanding of my circumstances. I have provide several packages with all documents requested for their review. The office of XXXX XXXX XXXX who is my attorney requested status report on the file and they state the file was reviewed with in the five minutes that the request for status report was done. My number XXXX gold is to keep our home. However, the main reason that caused us to default in our mortgage was because I lost my employment and at the same time my father in law passes on and we incurred the expenses of the funeral. 
I have let Wells Fargo -American servicing know that we XXXX return to full time jobs and feel that a loan modification would benefit us XXXX. I have provided up dated documents .They keep rejecting our request and claim that due to guidelines there is no other option then to short sale our home or deed I lieu. Why can they at least do a forbearance. .. I want my house. We are in foreclosure and they are looking at setting a sale day. What can we do? My wife and I are both employed. Give us a chance to proof we can handle the mortgage.

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 2016-02-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/2016, I received a response from Wells Fargo about my account Project Visa XXXX and XXXX today XXXX. The response did not address any of the issues that I raised.The investigator just wrote a short response and printed a bogus transaction history. She claimed that I was 180 days late, but the history did not show that. The history showed that I paid in timely manner.

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 2015-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Due to XXXX deaths in the family and a personal hardship caused by my wife 's car accident which has caused a decrease in our family 's income and my recent XXXX out of the XXXX XXXX XXXX, we have temporary falling behind on our mortgage. My wife and I have been dealing in good faith with wells fargo and providing all requested documents in a timely manner. We have been most diligent in following up with Wells fargo to check the status of our loan modification application and we feel that wells fargo has not been cooperating with us as we look to achieve a mutually beneficial resolution. Our goal is to keep our loan obligation and secure a mutually agreeable loan modification solution. So that my wife and I can continue to raise our XXXX sons in our home. We appreciate the opportunity to work together with wells fargo so that both they and my family can benefit. I 've faithfully served in the XXXX for ten and half years and I would greatly appreciate wells fargo cooperated with me as we are now coming out of this hardship and looking to get back on track with our mortgage payments. I 'm currently working at XXXX XXXX as a fright XXXX and my wife is nearing the completion of XXXX and will be returning to work very soon. Once again, we are just looking for some corporation from wells fargo to cancel the sale date of XX/XX/2015 so that we can secure a loan modification and stay in our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Another discrimination case proving Wells Fargo XXXX is Highly Opposed to People on Fixed Incomes who are also XXXX. I logged on to wells fargo.com whereby my husband wrote a secure email REQUESTING A REPLACEMENT Check/Debit CArd because his strip does not work and card is physically cracked. The wf c/s rep.did not read correctly the message so she ordered me a NEW card in ERROR. I tried writing to this rep to explain her error, but she still did not understand. How sad. Then a different rep contacted me telling me my husband had to request the card himself. I wrote back and told him, MY HUSBAND did request it himself ; he would understand that if he read it English. Then he tried to tell me my husband has to submit the request by logginin online himself. In our house we all use same email, and same login for wells fargo for allof our accounts. So Sorry if he does not like the way we handle things, but that 's how we choose to do business, and we have NEVER been told we could not do things this way. 
See documentation of back and forth communication via secure online email. The last emails I do not have a copy of but wells fargo XXXX does. Finally we got a change to stop by the local Wells Fargo bank at XXXX mall to have him in person request it. XXXX XXXX waited on us and she checked online notes in system, NO ONE EVER ORDEREDhis replacement check/debit card. So gave him a temp card, plus ordered replacement. When my new check card arrived XXXX ) which was ordered in ERROR, my ATM w/d limit is {$510.00} and my daily pos limit is only {$1500.00}. When XXXX check/debit card finally arrived XXXX the ATM w/d limit is {$310.00} and HIS daily XXXX limit is {$2500.00}. Wow our account together barely gets used for {$300.00} per month. Yet my checking account which ends in XXXX is seeing transactions per month in excess of {$2000.00}!! So why is my POS daily limit so low and ours together is so much higher???? More discrimination proof. See my other Auto Refinance Loan Case Currently OPEN with Consumer Protection Bureau. see attached documentation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Since XX/XX/XXXX, I wanted to refi my mortgage, as I knew in XX/XX/XXXX, my Adjustable Rate mortgage would end, and I did n't know how the much the rates would be. I contacted Wells Fargo* ( my mtg. lender since XX/XX/XXXX ) and they told me they had no idea about the upcoming rates. Wells Fargo, never told me about the HARP loan, going into effect. In XX/XX/XXXX, *W.F.agreed to refi my loan. I had been paying around 8 %, but W.F. said they 'd give me a 6.75 % loan. I told them that rates were much lower, and they said I should take the 6.75 % rate, as they had no idea when the rates would change, and I 'd be lucky to get the high rate. I foolishly did so, and was never told about the HARP loan, that would lower my monthly payment, and would n't require an appraisal. I 'm now XXXX, retired, and would like the HARP loan, as I 've NEVER missed a payment, or been late on one. Also, I have a XXXX credit score. Surely, I deserve a lower rate & a HARP loan? Please help 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 2016-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am contesting Wells Fargo Home Mortgage ( Wells Fargo, N.A., Wells Fargo and Co., and the Bank ) decision to foreclose on my primary residence on XX/XX/XXXX, more specifically, loan number XXXX. My mortgage servicer, Wells Fargo did not properly provide me with a written notice within five days ( excluding Saturdays, Sundays, or legal holidays ) after the Bank received my complete loss mitigation application which is mandated by Consumer Financial Protect Bureau ( CFPB ) XX/XX/XXXX mortgage rules and subsequent amendments published by not only the CFBP but also the OCC and FRB. Furthermore, Wells Fargo did not properly deny the completed loss mitigation application I submitted to the Bank. 

Wells Fargo conducted an illegal sale of my primary residence which is clearly a violation of consumer financial laws. 

Although I offered to make a partial mortgage payment, Wells Fargo wrongfully foreclosed on my primary residence. I applied for multiple loan loss modifications and Wells Fargo did not perform a reasonable review of my completed loan modification application specifically, my complete loan modification application that I submitted to XXXX XXXX on XX/XX/XXXX. XXXX XXXX also confirmed that he received my completed loan modification application on same day. XXXX XXXX, Executive Home Preservation Specialist assured me that my home would not be sold and my application would be reviewed. However, Wells Fargo wrongfully auctioned my primary residence on XX/XX/XXXX. 

I am requesting that the CFPB conduct a full investigation of Wells Fargo Home Mortgage servicing practices from XX/XX/XXXX through XX/XX/XXXX in order to uncover Wells Fargo unfair, deceptive, or abusive acts or practices ( UDAAP ). Frankly, this Bank has and continues to commit wrongful foreclose acts against not only me but also against XXXX other U.S. households. 

As the world renowned XXXX XXXX XXXX XXXX, XXXX so eloquently stated decades ago " injustice anywhere is a threat to justice everywhere. ''

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 2015-08-16 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
my business acct was closed on XX/XX/XXXX no one had permission no one sees i was lied to regarding the waiver that was never put on that should have been each time i got a script about the rules about fees. not right. 
i want the account without a fee for XXXX months this time wihtout being lied to. i dont want a script read to me. i want to see if anyone sees how i was lied to in XX/XX/XXXX. about a waiver. it never stiuck i called each month taking my time up with no recognition here about a lie i was told that should not have been. 
that is not good business. i will not pay a fee please make sure one is not billed for XXXX months in deference to the above. without a script. my account was closed by an XXXX with no permission to do so or cause. i want the waiver. i am contacting the CEO answer this without a script and show true analysis and understanding of the above STOP the form letters as the matter has not been handled at all as of now not properly. so dont refer to earlier letters

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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: DE

Complaint narrative:
Applied for a co-signer realease from a Wells Fargo that I have consitently paid ontime since XXXX was denied because my XXXX XXXX score was to low. No mention of what an approriate score is even in converstation with Wells Fargo representative before I sumbitted the application. Still do n't know what the " ideal '' score is me to recieve a cosigner release. Just this year I have been offered by Wells Fargo the oppurtunity to refinance my student loan without a co-signer so I am utterly confused on how I can be eligible to refincance without a co-signer but my score is to low to get a co-signer realease

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