vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Patenaude & Felix A Professional Corporation
State: OR

Complaint narrative:
I have received 2 judgments along with garnishments against my paycheck on both of them. These were both XXXX Bank credit Cards that went into collection XX/XX/2006. That is 10 years and 10 months ago. That would be 4 years 10 months past the State of Oregon 's Statute of Limitations on Collection Lawsuits. I called them to ask why they are garnishing my wages almost 11 years later, and I was told that would be giving legal advice! I now find myself unable to sustain monthly payments on my families utilities & falling behind across the board due to the flagrant and apparently illegal actions of this unethical collection / attorney firm. I cant afford to pay another attorney to stop the illegal garnishments and Statute of Limitations complete disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Debt collector called on my personal phone after being instructed specifically not to contact me again. Company representative admitted that I was called even though my phone number was listed as a " blocked '' number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
On XXXX XXXX 2016 I received a letter from Creditors Bureau Associates XXXX, Collection Division.I have attached all paperwork showing this bill was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have been fighting for a long time to have this fraud account remove from all XXXX credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This is regarding a Line of Credit with Wells Fargo Bank. My name was added to a XXXX line without my permission. I have contacted Wells Fargo regarding this and they are not able to provide any type of verification that I ever signed documents or applied for this line of credit. My husband had applied for a LOC, however I did not want additional debt to me added to my ability to pay. This is causing my credit score to be impacted.

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 2016-03-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter on XXXX/XXXX/16 from wells fargo offering a settlement of a charge that was already written off. I 'd like to correct this and I called into the number shown, asked for the names on letter and was only given the chance to speak with a XXXX XXXX. On a recorded line I continued to discuss letter and offer immediate payment in the amount of {$3000.00} ( amount shown on letter. The next day ( today ) i see that the amount taken from my account is {$3800.00}. I immediately called today and was hung up on by an XXXX - called back reached XXXX and transferred to XXXX XXXX. He asked for proof of this letter and prove of the incorrect payment and he would TRYXXXX to have a refund for me and reply to my email. Now another person by the name of XXXX XXXX called me demanding this payment stating who did I speak with and I should only have spoken with him. then transferred back to XXXX who said they do not show my payment. I feel very frustrated and this is causing vast amounts of XXXX, and finding my other payments pending out. I really need assistance and this seems totally illegal and more than a accident.

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 2017-03-31 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Security Finance sent me a settlement letter in the mail stating that if I paid XXXX by XX/XX/2017 that they would consider my debt paid in full and notify each credit bureau that my debt was indeed paid in full and they failed to honor that agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This concerns case # XXXX. We contacted Wells Fargo again today. There seems to be good news. I had my son XXXX XXXX speak for us. He spoke to someone at Wells Fargo named XXXX. XXXX has agreed to review this whole case anew.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo put an Hard inquiry on my XXXX and XXXX Report that I did n't authorize.And also all subsiders it used.

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 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is moving my transatcions around to cause overdraft fees i have proof with tranactions posted before the purchase recipt shows i bought items the choose when to do auto pay on my bills always diffrent dates that the transaction occurs. How can i stop them. ive made complants to there fraud dept. an spoke with store managers that treat me like im hassling them. an i never got a stright anwser.is what they are doing to me illegal?

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 2016-04-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been paid in a car loan with WellsFargo for over 4 and half years. I called Complaint Services and report the problems. No solution they do not even contact me. Therefore, I decided to escalate the situation.

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 2016-08-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had applied and was approved for the XXXX XXXX XXXX XXXX with the ability to earn XXXX XXXX points after spending {$1000.00} in 90 days. I have completed the spend requirement along with paying off the card. My first statement shows that I am owed XXXX XXXX points. It has been almost two weeks since this statement has closed and both Barclaycard and XXXX refuse to give me a straight answer as to where my points are and why they can not link my card to my true blue account. I have spoken with both sides and not one can give me a straight answer other then they are holding over XXXX points that I rightfully earned hostage.

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 2015-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This past year I noticed a " XXXX unpaid principal balance of XXXX '' on my monthly statement. This XXXX unpaid principal just showed with no explanation. My mortgage is with Wells Fargo Home Mortgage and it is too high for my income. My monthly payment including escrow of XXXX is {$2700.00}. My mortgage payments are adjusted each year as a result of a modification from XXXX. In XXXX of XXXX my total payment increased from {$2400.00} to {$2700.00}. Last year, just before the increase I inquired about having my interest lowered, it is currently XXXX %, I was immediatly told " no ''. I began making my payments late and the harrassing telephone calls from Wells Fargo employees began. They called at XXXX, XXXX, and night on the same day even though I spoke to someone and let them know when I would make the payment. I retired in XXXX of XXXX. I XXXX, from XXXX until XXXX, XXXX did not get a raise from XXXX until XXXX. My income tax statements reveal the decline in income. I spent most of my savings on dental bills between XXXX and XXXX. I love my home and living in XXXX but I am moving to the XXXX XXXX where my family is located and the cost of living is lower than it is here in XXXX XXXX. Each XXXX the interest increased, my total current payment including {$290.00} escrow ( for ins & tax ). Currently my interest rate is 5 % until XXXX XXXX, XXXX, it will go as high as 7 %. The " XXXX Principal Balance '' is currently over {$12000.00}, because late fees of over {$100.00}. are added each month. When I inquired the unpaid XXXX Principal Balance Account I told was it was added because I was late on my payment. I did not realize I had that agreement and everytime I request a copy of the agreement, I am sent a paragraph with my signature. I have no idea what type of document this paragraph is from. I did see where the Special Forbearance Agreement from XXXX XXXX included a similar statement but the forbearance was a temporary lasting just a short time, I never had a XXXX. I was told that I have to pay this XXXX because I am late on my payments. I would like the XXXX removed. Finally, I have a buyer for my house, it is in escrow and should close on XXXX/XXXX/XXXX. Please look into this matter I understand that I have late fees but I do not agree with the second. I was advised to use this web site to file a complaint..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
For several months I have attempted get an explanation or get compensated for what I think are a set of unfair events. These events caused me to loose my home which was subsequently destroyed by fire. Wells Fargo stated that my loan was sold to another company which would not accept verification of my address as a mail box. My utility service was on at my home but the mailing address is the XXXX. XXXX which Wells Fargo had in its file for over 7 years. The only item remain to be considered for a work out was verification of utility service. The bill clearly stated that service was established at the address of the home. The request for modification was denied for this reason. my home was sold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am going to financial difficulties. I have lost my lender, Wells Fargo Bank, to modify my loan under the Hamp program. I have submitted my documentation several times yet have not gotten any results. My loan originated with world savings bank which was later acquired by Wachovia and transfers to Wells Fargo Bank. This loan is adjustable-rate mortgage PICK-A-PAYMENT type loan. my payment changes all the time and I 'm having a really difficult time keeping up with such a high mortgage. I find myself often falling behind and most certainly falling behind on property taxes. I know I am eligible for the government 's Hamp program. However I am not getting any help. Please help me with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I have used the on-line transfer feature provided by WellFargo and transferred an amount from my checking account with Wells Fargo to my loan account with Wells Fargo. The site provides a feature that allows customers to pay towards the principal of their loan and this is what I did. On XX/XX/XXXX I have paid the whole principal balance on my mortgage. Being an online payment between accounts with same bank the payment showed up instantaneously and the principal balance of my mortgage became XXXX. I understand at that time that there will be an additional interest due to pay for XX/XX/XXXX and a {$10.00} recording fee and that is why I requested a payoff amount. The payoff statement arrived by mail 5 days later and it showed an additional amount due of {$490.00} which I completely agree to pay. 
However, two days later I have received another statement from Wells Fargo in which they requested additional interest because for some reason they said they did not receive the payoff amount in time. 
I have called them and tried to explain them that as of XX/XX/XXXX my principal was XXXX and therefore they can not charge me any additional interest after XX/XX/XXXX. I do agree to pay the interest due as of XX/XX/XXXX but no more than that. I have opened a case with their so called " executive care team '' but nobody got back to me with a resolution yet. 
At this point I would like to report this to the government agencies in charge with overseeing the mortgage industry as per my understanding it is illegal for an institution to charge interest for the period of time when the balance on the account was XXXX. 
Please feel free to get back to me by email at XXXXXXXXXXXX or cell at XXXX in order to obtain more details on this case.

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 2017-02-08 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In XXXX of 2016 I added a charge of approximately {$600.00} to my Wells Fargo XXXX XXXX credit card. This amount qualified for a 0 % finance charge if paid within 6 months. In XXXX we called the company to ask how we could be sure the new charge would be paid in full since the increased minimum payment amount would not fully pay off the promotional balance. The representative we spoke to in XXXX said that anything over the minimum amount due that we paid would be applied to the promotional balance. For our XXXX and XXXX payment we paid over {$200.00} more ( combined ) than the minimum due. None of the additional amount applied to the promotional balance. Instead, the amount was applied to the larger balance which is at a promotional 6 % rate, allowing for equal payments over an agreed amount of monthly payments. On Monday, XXXX XXXX we contacted the company with the support of a Wells Fargo personal banker to find out why the payments were not being applied toward the promotional balance. The credit card company 's agent stated that " the law '' required their company to pay off the larger balance with any amount paid over the minimum amount. She also said that there was no way for us to pay off the promotional balance unless 1 ) we paid the full balance on the card in the next 4 months or 2 ) we waited until the final two months of the promotional term and then any additional amount over the minimum due would apply toward the promotional balance.

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 2016-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has been extremely negligent in the follow up for mortgage refinancing. Specifically, there are outstanding items since my closing.

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 monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
TIME IS OF THE ESSENCE! 

XXXX XXXX has been determined to be XXXX by XXXX. XXXX has designated someone to deal with Wells Fargo on his behalf, to explain details. A form for designating this person needs to be provided by Wells Fargo. 

Wells Fargo Representative, XXXX XXXX? XXXX XXXX XXXX XXXX XXXX left voicemail. when that number is called, someone else answers. XXXX XXXX needs to not be given the run-around, but have assurance that his concerns are being addressed. 

A voicemail was left at the above XXXX XXXX # XXXX ) for a single point of contact with Wells Fargo . 
2 ) for a modification packet to be delivered to XXXX XXXX XXXX XXXX .. 
3 ) for a Wells Fargo form to be XXXX, in order to be signed by XXXX XXXX to have a designated person to assist with transaction details.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In 2015 I was approved for the Florida Hardest Hit Program where that program paid my mortgage payments for 12 months due to my hardship. I also was approved for the amount of {$18000.00} that would have went toward a portion of my amount to reinstate my mortgage but my Servicer refused those funds because it was not the total amount to reinstate. I recently completed my participation with the Hardest Hit Program and due to a decrease in my income I went to a HUD approved HUD Counseling agency to applying for a loan modification and the servicer has informed me that due to my mortgage being 3 years in arrears and a new rule set forth by CFPB they can not open a file for me to be considered for a retention option. I feel this is an unfair ruling based on if my servicer would have taken the {$18000.00} I was approved for by the HHF Program that would decreased the amount of delinquency and would have helped me in my attempt to save my home form foreclosure. I recently have increased my income and I am seeking a favorable solution to save my home.

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 2015-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Facing foreclosure after being given the run around for over a year I filed chapter XXXX to save home. Could n't afford the payment. Wells Fargo contacted me in XX/XX/XXXX for me to reapply for modification. Balance at time was {$69000.00}. After modification the balance was {$89000.00}. I purchased home in XX/XX/XXXX for {$79.00}. I know this is not correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Alliant Capital Management LLC
State: MN

Complaint narrative:
I was contacted by Alliant Capital Management of a loan client I was told that I received a loan in amount of {$800.00} to a checking account. I do not remember signing up for this loan. 

They gave me last XXXX acct number of the checking account used and I do not own any of those accounts. Contact bank and they said I have never owned said account since being there since 2012. 

They claim that payment was taken out of said account for a couple of months and then stopped. 

They claim a email that was used is an email I own. 

Both people I spoke to were rude and yelling and totally out of control. 

Their client or the creditor has not sent any correspondence to said account mailing address on this issue or anytime after they stopped receiving payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo solicited me for a new Wells Fargo Cash Wise Credit Visa Card, indicating an interest APR of 13.24 % - 25.24 %. Since I am an existing Wells Fargo mortgage customer, and previously maintained a Wells Fargo credit card ( responsibly maintained and seldom used, so it was cancelled in XXXX by Wells Fargo, with an interest rate of 15 % APR ), I opted to apply for the new card. I was immediately approved for a {$10000.00} credit line. However, when I received my card, the established interest rate was incredibly high at 21.24 %. My XXXX score at the time of approval was XXXX, and now is above XXXX, which I though was very good. Wells Fargo indicates that the credit card interest rate is determined upon creditworthiness. I 'm outraged at the deception by Wells Fargo to " bait and switch '' a customer thinking that a very good XXXX score would receive the lowest interest rate. I assumed the worst interest rate I could have received was 15 %, based on my previously unused Wells Fargo credit card. This is Wells Fargo at their worst, to price gouge and deceptively cheat customers by generating exorbitant fees. Their unfair practices must stop. I 've filed a complaint with Wells Fargo Customer Service XXXX XXXX, reference number : XXXX on XXXX/XXXX/XXXX. Thank you for your continue protection of the consumer!! 

XXXX XXXX XXXXXXXXXXXX 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