vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has very high interest rate for my mortgage. We just want our interest rate to go down so we are able to pay for our mortgage and lower the monthly payments. They keep raising the loan amount. Due to this it has impacted on my health.

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 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Filed a claim with my bank for an unauthorized purchase and they filed the claim as a ATM withdraw why? No clue! And yet they denied my claim and took the money from me. I know 110 % I did not make this purchase. It 's Wells Fargo and they will not provide me with any proof of documentation about it. Ca n't even get ahold of there claims department. They are stealing money from me and lots of other people and I want to blast this all over the place. They take my money right befor XXXX so now I ca n't buy anybody gifts and they do n't care. Everyone says I am about to be out for XXXX. 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 2016-10-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
WELLS FARGO A Personal signature loan with a co-signer was taken out when I lost employment, so I could return to school to finish a degree. The funds were used for living expenses. Divorced 3yrs later and with XXXX children, I had no choice but chapter XXXX bankruptcy that was filed in XXXX XXXX and discharged in XXXX XXXX. 
A letter from Wells Fargo dated XXXX XXXX was also obtained and filed with the bankruptcy courts, ( see attached letter from Wells Fargo ) explaining the debt was a dischargeable loan. Five years later I find out the loan was deferred as I have been in a master 's program. I did NOT request the deferment! Now that the loan is out of deferment, I am being told the debt was not discharged. I have made several attempts in contacting Wells Fargo along with sending certified letters to have this issue resolved. 
Several occasions I have made contact with Wells Fargo, I get the runaround and passed back in forth between customer service and the bankruptcy departments. Each time telling me I am not in active bankruptcy and the loan was not discharged. When I ask them to pull up the docket along with the page number showing the letter that was received and filed with the courts from Wells Fargo explaining the debt was dischargeable, ( see attached ) I get the excuse the letter was dated in XXXX and the bankruptcy was not discharged until XXXX, so the letter had expired. I have spent many hours/days trying to get this resolved and have not gotten anywhere. I have had Wells Fargo on several occasions tell me they will have a supervisor look into the letter and the bankruptcy and will get back with me. I wait a week to ten days call back and the process starts all over again, meanwhile reflecting on my credit and unpaid late notices.

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 2015-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
RE : XXXXXXXXThere is a real problem with your system because CFPB does not provide any means to communicate with the agency for an ongoing complaint. This is a response regarding a communication from Wells Fargo for the above referenced complaint. 

Wells Fargo is once again lying by stating that it has not been able to contact me. In fact, I spoke with their representative on XXXX occasions since filing the complaint and have been in constant contact with the single point of contact. In the conversation with their executive office representative, he indicated that he could do nothing but review documents from the modification. They refuse to do anything to address their years long refusal to refinance this XXXX mortgage and repeated attempt to force me into short selling my home even when the XXXX mortgage is current and the owner of that mortgage has no interest in foreclosure. 

Someone from CFPB needs to actually step in here as this has been going on now for over a year. I have yet to see the agency do anything more than pass complaints on to Wells Fargo. Where is the consumer protection here? 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have been a victim of the Wells Fargo scam that has been going on for several years. I opened my account in XXXX 2009. There was an incredible amount of overdraft fees and secret accounts were opened without my authorization.

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 2015-03-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
NFCU credit card put my account in collections after 84 days past due. 
I was having on going conversations with XXXX XXXX in the NFCU collections department that I wanted to make payments but that I was unemployed. On Day XXXX of being past due, I called XXXX XXXX to make a payment and I was informed that my account had been given to the law firm of XXXX XXXX. I asked why would you give my account away and she replied that " You did n't seem like you were was going to pay. '' Since NFCU tapes all conversations I informed XXXX XXXX, XXXX XXXX XXXX, to not destroy those tapes. 
I called the law office with the number provided by XXXX XXXX and was informed that accounts are never given over to collections before 90 days. 
I immediately made the payment to the law firm, a XXXX XXXX. In the process of making the payment I found out that NFCU did n't even give the law office my correct address, NFCU gave an address to the law office that I have n't lived at in over 15 years. NFCU sends me billing statements, collection letters and advertisement to the correct address every other week. If I had not called NFCU to make a payment I do n't know where this would have ended up, having not received any notice. Was that a deliberate action take by NFCU or the law firm. 
Please respond as to my rights. This does not seem like this was correctly handled. And, also now my credit rating will go even lower when it was not necessary. 
I have attached a letter from NFCU from the year 2005 that shows the account number and my correct address. It proves they had my address for 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased a pair of earings from a vendor named XXXX at a festival on XXXX XXXX, 2016. This purchase was correctly charged to my Wells Fargo XXXX XXXX card by the vendor for the sum of {$59.00}. I then decided to buy a second pair of earrings. This time the vendor fraudulently prepared the credit card slip in the amount of {$540.00}. The actual price for the earrings was the same as the first pair : {$59.00}. I did not notice the fraudulent change and signed the credit card slip. 
Please note the attached exhibit of XXXX 's inventory from its website at XXXX. Every item carried by XXXX is priced between {$27.00} and {$55.00}. It defies believe that anyone would purchase {$540.00} worth of merchandise from a vendor at a festival operating from a tent! I have made every effort to locate the XXXX company without success. There is no business address on its website and I could find no listing of any such business on file with the Georgia Secretary of State. 
I have reported this fraud to Wells Fargo twice. Wells Fargo has refused to adjust this charge.

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 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo is allowing someone named XXXX XXXX, whom I do not know and to whom I have not given permission, to use my telephone number for some type of Wells Fargo service. Wells Fargo has called my telephone number on multiple occasions, despite my repeated demands that they cease and desist from doing so. 

I have no business relationship whatsoever with Wells Fargo, and I owe Wells Fargo nothing.

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 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
They called and I called them back and have not heard from them since. They transferred my accounts to a company that has a worst standing then they do and I 'm not happy. When I called the new company XXXX they told me ASC transferred XXXX account which is my XXXX. My XXXX has been written off and I was paying my monthly mortgage and I 'm continuing to pay it monthly. I ca n't refinance my mortgage because they wrote off my XXXX and I was paying, they were holding my payments for two months and when I called them to say why are not posting my payments, they kept giving me the runaround, like they are doing with you by not giving you an answer why they wrote off my account. 
Wellsfargo/ASC are crooks and I want my XXXX in good standing so I can refinance. 

In progress Response We 've been unable to establish contact with our customer, XXXX XXXX. We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research.

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 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
i had agreement with wells fargo due to me being layoff, i kept my agreement term, my letter of agreement state that i would pay XXXX for 6 months and after i found a job that my go back to paying what i was paying which was XXXX.well i went back to paying my normal payment from XX/XX/XXXX to XX/XX/XXXX went to bank to make my XX/XX/XXXX payment i was told that my home was in forclose. still no answer wanted me to pay XXXX which i did not have. please help, i have been in my home for 18 years

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was automatically signed up for PayPal Credit, without giving me the full picture. I never wanted to apply for a credit line, nor did I see anything while signing up for regular PayPal warning me I was signing up for PayPal Credit and it would pull my credit. The instruction was very misleading and I thought I was using my paypal account balance to pay for my purchases. My credit reports were then pulled without my knowledge. My credit reports were pulled based only on the last XXXX digits of my ssn, my date of birth and home address ( per XXXX ). This was completely against my experience where other companies asks for much more personal information before pulling my credit reports. My credit scores drop significantly after paypal credit pulled my credit reports. I tried to dispute with XXXX but it wo n't remove the inquiry. I contacted with paypal credit but it did nothing to help me remove the credit reports inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I pay my Wells Fargo mortgage online. My bank account information is stored in their computer. I made the XXXX 2016 payment as I had always done. When I went to make my XXXX payment there was a red notice that I had not made my XXXX payment. I checked my bank statement and it had not been deducted. I checked my payment calendar and I had marked it as paid. Further investigation on the Wells Fargo site showed that I had made the payment on the XXXX, but it had been rejected on the XXXX. 

I paid the XXXX and XXXX payment online using the same drop down stored account and it went through. I wrote to Wells Fargo. Their investigation found that I had made a payment from an account ending with XXXX and not with the account ending in XXXX, the account they have on record and the one I use to make my payment. 

The XXXX seemed familiar, but I could n't find it anywhere. I finally realized the last XXXX digits of the account I use to pay the mortgage with is XXXX. Somehow their computer truncated the last number of the account and it was refused by my bank. 

As a consequence, I was assessed a late fee and the " late payment '' was reported to the credit agencies which knocked my XXXX score by XXXX points. Wells Fargo did n't have the courtesy to notify me that the payment had been refused. 

Although I realized the origin of the XXXX after receiving their letter, I was struck by their unwillingness to make some adjustment. I had attempted to make the payment, as can be seen by their records. In an earlier letter to me, too late to avoid reporting to the credit agency, they advised me as to what I could do to prevent foreclosure. I was outraged that they would n't contact me first to find why the payment was n't made. I overlooked a payment a couple times in the past, but was never more than a few days late. This was the first time in 16 years this had happened. I feel this was callous disregard for me as a customer.

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 2016-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: AL

Complaint narrative:
I purchased a new home in XXXX XXXX. This home was in foreclosure and was being double taxed due to it not being homesteaded. I understood this at the time. 
I have paid the doubled tax rate for all of XXXX and have now obtained an estimated tax rate for XXXX from the county tax assessor 's office that is significantly less due to the home now being homesteaded. 
My tax rate for XXXX was {$9400.00}. This decreased in XXXX to {$3900.00}. 
My issue is that my mortgage company refuses to accept this XXXX estimate from the county and will only accept the actual tax bill which does not come out until the end of XXXX. 
So, I am stuck for all of next year paying the XXXX rate even though it is clear that the XXXX rate is much lower. 
The mortgage company says all they can do is maybe get a refund if I pay too much into escrow during XXXX. This likely will not happen until XXXX. 
I feel like they are keeping money that is mine. They should adjust my tax rate based on the estimate I received from the county. The county told me this estimate rarely if ever changes and if it does it would be minimal. I have an overage in escrow already of over {$1000.00}. If the estimate does change I would still be covered. I am paying hundreds of dollars more each month on my mortgage payment than what I should be paying but the mortgage company does not seem to care. 
Can you help with this? 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I think these loan should be illegal due to fact it plays on the poor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The state of California file a hold order on my account there was only XXXX in there and bank charged me a {$120.00} fee which is crazy that there charging without full disclosure when I opened the account.

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 2015-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was forced to file for a loan modification due to a hardship brought about by a divorce. I made every payment up to when I was sent a letter stating what my new payment would be and the date that the next payment was due. My loan modification specialist said that I must make these three payments for that amount, on or before the date that they were due, or my modification would either be delayed or denied. I made the XXXX payments and was subsequently modified after the XXXX monthly trial payments. I checked my credit score in the months following and found that two XXXX day late payments showed up. I have since followed up many times with the bank, only to get conflicting answers. XXXX answer I received from the bank is that I should have paid another full payment before the trail payment that they wanted me to pay. My Attached documents show that I paid every payment up to XX/XX/XXXX. I received a letter from the Bank on XXXX XXXX, stating that I would now be entering into a new payment schedule, and that the next payment was due on XXXX XXXX. Another answer was that the lates resulted from the difference between my unmodified payment and the trial payment. I was never informed that I needed to keep paying my old amount or in other terms above what they asked me to pay during the trial period. Bottom line I paid what they told me to pay, when they wanted it to be paid. I would have had no issue paying more if they wanted more. Also the late payments on my credit report state they occurred during the trial period, if this was the case the bank would have delayed or not given me a loan modification, neither of those happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have a Dillards XXXX XXXX card. I used it on XXXX/XXXX/2015 to purchase a XXXX of items at Dillards in XXXX. I happened to sign on to the credit card website today ( XXXX/XXXX/2015 ) and it has the balance due listed as owed by XXXX/XXXX/2015. I received no statement in the mail or by email, no notice that the due date was here. Further, the secure email feature on the website was XXXX, so I was unable to contact Dillards. This is the XXXX time in a year that the card has listed a payment as due without sending me a statement or notification. I know they have my email and address because they are constantly sending me marketing advertisements. 

Is n't this illegal? Are n't they supposed to let you know when the due date is on a payment? Last time, the payment was listed as overdue and again, I only found out because I signed on to see if there was a statement available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
Have never heard of the company and they have never contacted me and have never provided any proof of this loan. Despite repeated requests to validate. 

As a Texas resident according to what they placed on my credit bureau reports, last payment activity was XXXX, over 4 years ago. Even if it was valid, which it is not, they are barred by Texas law since the last date of activity was over 4 years ago on XXXX and it is XXXX. 4 years and 3 months, past the Texas statue. 

They continue to update my credit reports with nonsense information like " skip, bad debt, placed for collections, etc. " I have good credit going back 25 years and same phone number for 16 years, same email address for 16 years and save mailing address for over a decade. 

There are no negatives on my account and I have positive credit in the good to very good range across all three bureaus and my address ' that are reported are current. 

The " skip '' comment that they are reporting is totally invalid as nothing has changed in over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I set up a verbal payment arrangement to pay off my amount owed. I started making payments but due to my financial situation i missed one payment. I still had full intentions on pickubg back up my payments the following pay period i explained this to my account rep and told him you do not need to continue to call me every day about my debt i will make the payment asap. He still continued to call me then told me he is jusy going to put refusal to pay on my account and i need to honor my word. I called and askwd to speak to his supervisor left him a message and havent heard anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation