vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
There are XXXX of the same account from XXXX collection for the same amount

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
Since XXXX XXXX loan modification Approval with my VA Lender First Continental XXXX Mortgage XXXX my lender has failed to send my loan balance statements. 
I have been making timely payments of {$1700.00} @ month on my VA mortgage since XXXX XXXX and my XXXX bank Direct payments online is my evidence of payments. 
When VA loan modification was approved l had new Balance on my loan of {$250000.00} and as payments has been made since XXXX XXXX till present l have n't receive any VA Loan or escrow account 's statements on balance of loan, etc.Why? 
Also, Lender has failed to send me loan statement documents for six months by Regular XXXX Mail Service at my home address XXXX XXXX XXXX XXXX, XXXX, XXXX or my XXXX XXXX XXXX, XXXX XXXX XXXX. 
I travel to XXXX for my XXXX XXXX treatments with my Physician XXXX XXXX XXXX in XXXX, XXXX 
I am retired. 
Also, my lender has failed to disclose my VA loan on my credit report with XXXX, and XXXX it has been over 60 days, since l file complaints as my lender rep states that my credit report will be updated. 
We are in XXXX XXXX and nothing is done. 
I am been Retaliated and Discriminated because I am a XXXX Military Veteran and l my filed complaints against lender since the lender fraud issues from XXXX XXXX. 
I will email VA loan documents to Consumer Financial Protection Bureau with my case number complaint. 
This is a Urgent request that Federal government conduct a investigation against my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
The lender had agreed in an email not to deduct {$290.00} from my bank account on XXXX/XXXX/16 and the payment would be due on XXXX/XXXX/16 and XXXX/XXXX/16. However, on XXXX/XXXX/16 they deducted the money without authorization and in contradiction to the agree payment arrangement. Now they are ignoring my calls and emails.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX I purchased a XXXX property with a XXXX sign on the property. I paid the load off in XXXX. XXXX XXXX still has a lien on the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I signed up for a business checking account for my son to start a new t-shirt, screen printing business with Wells Fargo Bank XXXX/XXXX/XXXX. I deposited {$2500.00} to open the account, which I thought was a simple checking account. The business was in my son 's name and registered in the State of XXXX, I live in XXXX. 
On XXXX/XXXX/XXXX I went into the local Wells Fargo branch and met with a Banker to remove my name from the checking account and leave it solely in my son 's name. I completed the paperwork with the Banker and thought that would be my last involvement with the account. 
About the 3rd week of XXXX XXXX, I received a call from my son in XXXX stating that Wells Fargo had contacted him regarding his outstanding balance of over {$9000.00} and that I was personally responsible for the balance which was on a credit card tied to the checking account. I never signed up for a credit card on the checking account and had removed my name from the account 9 months earlier. 
The final result of this was that Wells Fargo charged {$1300.00} in overdraft fees and almost {$1900.00} in finance charges in the approximately 9 months that the account was supposedly in the hands of my son. Wells Fargo came after me for the $ XXXX and eventually I agreed to pay {$9000.00} to avoid the ongoing monthly charges and the ding to my credit each month. 

They said I agreed to this credit card on the checking account and that when I removed myself from the checking account I should have also told them that I wanted myself removed from the credit card. How could I possibly ask to do that when I did n't even know there was a credit card attached to the checking account? Should n't the Banker I worked with to remove my name in XXXX XXXX have told me that there was a credit card attached to the account and that I was responsible for any activity in spite of removing my name from the account? 
I feel I was told to sign things which were not explained to me and should not have been responsible for anything more than a simple checking account with an initial deposit of {$2500.00}. 
I plead my case with the local branch manager, the local District Manager and his Boss in XXXX and was told I had signed the forms and I was responsible, no negotiation. 
I feel Wells Fargo owes me {$9000.00} and a full apology for the time and aggravation they put me and my son through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I have contacted Security Finance several times in an effort to have them report correctly to the credit bureau that the account I had with them does not have a balance. According to my credit report they continuously verify the account as showing a {$900.00} balance. I recently spoke with a representative at the XXXX, AL office that informed me that the account reflected a {$0.00} balance and was agreed to be listed as paid in full and is listed in their system under bankruptcy filings. However, that is not the case as it reflects on my credit report. The representative also informed me that the system in which they report to the credit bureaus has been inoperative since XX/XX/2016. I questioned them and asked if the system is not working, how could they possibly be reporting correct information. I did n't get a response. According to the FCRA reporting false information to the credit bureaus is against the law and is rights for me to collect up to {$1000.00} per violation. I have informed them numerous times reporting inaccurate information is unfair to me as a consumer and they are diminishing my credit history on purpose.

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 2015-05-15 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a victim of fraud and I want to stop the money from going thru.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo has apparently been charging us 4 times the escrow for an adjoining property for the last number of years. My wife was disconnected 4 times today the web site will not allow access. We can not get any traction with this lender for clarity or a resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
FRAUDULENT FORECLOSURE : I TOOK OUT A LOAN BUT THEN MY MONTHLY PAYMENT INCREASED TO AN AMOUNT THAT WE DID NOT AGREE TO. I TRIED TO DEAL DIRECTLY WITH THE BANK BY DOING A LOAN MODIFICATION BUT EVERY TIME I HAVE TIRED, THE BANK KEEPS ASKING FOR DOCUMENTATION THAT I ALREADY HAVE SENT TO THEM. ALL THIS TIME IT SEEMS THAT THEY HAVE KEPT ME ENTERTAIN DOING A LOAN MODIFICATION BUT IN REALITY THE BANK JUST KEPT MOVING WITH FORECLOSURE PROCEDURES. THE SALE DATE IS SCHEDULRE FOR THE XXXX OF XXXX OF 2015 BUT THE BANK HAS NOT SHOW ANY SIGNS OF GOOD FAITH TO TRY TO RESOLVE THE ISSUE IN A DIFFERENT WAY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
We are behind in our mortgage due to hardship but do not qualify for modification. I have requested a payment history, we have not received I have sent in paperwork for repayment plan, they claim not received. We do not have a single point of contact to work with for repayment plan, I can not access any information regarding our loan on line, We are requesting a single point of contact to go over options of repayment plan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I had a mortgage with the Navy Federal Credit Union and filed a Chapter 13. As part of my court approved plan, I can turn the property over to the NFCU. After explaining this situation they asked that I apply to submit a Deed in Lieu of Foreclosure which I applied to do - before they would approve that they said the property needed to be listed with a broker for 90 days which I did and there is now an short sale offer on the table representing about 95 % of the outstanding loan balance. NFCU is now saying before they approve the short sale they must have a letter from the trustee saying that the trustee will approve a short sale. My lawyer says that before that request can be made we need a letter from NFCU that they will release the lien once the deal goes through and NFCU is refusing. Worse, despite numerous requests for a conversation with a supervisor have never had my call returned. Concurrently, they filed a motion to get a judgment against me for the entire balance remaining on the loan which of course the trustee objected to based on the plan that NFCU was aware of when they sought the judgment. Frankly NFCU seems to be acting in bad faith and I can not figure out why it would be in there best interest not to accept the short sale. They repeatedly tell me that their guidelines do not allow the committee to review the short sale approval without the trustee letter and when I tell them what I need to get the trustee and court approval they tell me that I will not receive the letter. I am afraid now that the offer for the short sale will get pulled thanks to NFCU 's failure to work with me in a timely manner. It is shameful and I can not imagine that this is in NFCUs best interest - they should accept the short sale offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Charges not actually made by the consumer Charges in the wrong amount. 
Charges for goods or services not received by the consumer Charges for goods not delivered as agreed Failures to properly reflect payments or credits to an account Calculation errors Charges that the consumer wants clarified or requests proof of Statements mailed to the wrong address Significantly not as described product/goods

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had a credit card with Wells Fargo ( I do n't remember the open date ). I closed the account and the remaining balance are just fees. I thought the fees were waived because I closed the account. However, the balance remained on the account and now the account is charged off and is being reported negatively to the credit bureaus. The balance on the account consists of only fees. I feel this is a compliance violation as I should be responsible for the balance if its just fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Windham Professionals, Inc.
State: MD

Complaint narrative:
My student loan XXXX XXXX ) were sold and/or transferred to XXXX on a date unknown to me. Pursuant to XXXX XXXX XXXX XXXX ( F ) ( iii XXXX XXXX was in fact a debt collector. I placed a complaint with the CFPB [ XXXX ] for the companies abusive practices in addition to failing to validate the alleged debt owed. I recently received a Dunning Letter from Windham Professionals dated XXXX/XXXX/2015. XXXX and Windham Professionals are making multiple enforcement claims on the same [ XXXX ] ote. Possession requirement in XXXX XXXX [ of the XXXX XXXX is to protect the Debtor from multiple enforcement claims to the same [ XXXX ] ote. Upon information and belief, XXXX and Windham Professionals lack Judicial standing, having no economic or beneficial interest in the [ XXXX ] ote, and no complete dominion over it, including entitlement to enforce the [ XXXX ] ote pursuant to the XXXX XXXX and UCC XXXX. In addition I have never applied for, neither received any services or credit from Windham Professionals. I also have no account and/or signed contract with Windham Professionals, nor do I wish to contract with Windham Professionals. Windham Professionals has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX XXXX ) and or Representative XXXX XXXX ) are frivolous. I have a lawful right to receive any information in regards to the promissory note and or other admissible evidence of the alleged debt. '' XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX XXXX 1947 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I requested a balance transfer from an old credit card to a new XXXX from Wells Fargo. Allegedly there was an error in XXXX digit of the old credit card from which I was transfering, and the balance transfered was not from the intended account. I made a claim and it 's been XXXX days since the claim was initiated, and Wells Fargo still has not done anything and they will not provide any info besides that nothing has been resolved. No one has called me despite my many requests for info. Now I still have the old balance, plus wells Fargo applied to my new credit the transfer balance, so I have XXXX the debt. I just want them to do a reversal of the transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have been trying to obtain a loan modification from Wells Fargo ( XXXX ) who is servicing my account for XXXX, ( very confusing ) .I am in bankruptcy, I am underwater, and my loan was not FHA XXXX I believe with all of the misconduct and all of the settlements recently, that my loan should be refinanced, that there must be help outthere for those of us hanging on by a thread.I am too far in arrears to catch up all at once. I have a primary loan at XXXX % and my secondary at XXXX % which was crazy. And my payments to the XXXX are over XXXX a month.I should have been contacted the past few years by Wells Fargo withsome sort of Help, rather than attempting forclosure, and now the secondary loan has attempted forclosure resulting in my now XXXX bk. Can I still get help or a modification from them!

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 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a 20 year mortage with Wells Fargo and have been making monthly auto pays. 
Two months ago I received a letter stating that I would owe an additional sum as my last payment was XX/XX/XXXX. This is not a balloon loan. 
After several attempts to contact Wells Fargo today I spoke to XXXX who informed me that my auto pays were set up for the XXXX and my due date was the XXXX that 's why I accrued additional interest. I was never informed up to now that the payment date would result in additional fees or I would have made the payments on the XXXX for the last 20 years. 
I feel that this was unfair and deceitful on the part of Wells Fargo as they should have made it clear what the impact of this would be financially when they allowed me to choose a payment date. 
As a side not I have another mortgage with Wells that also has auto pay and there was no choice of the payment date. I believe if they gave me a choice of a payment date for my first mortgage it was because they knew it would benefit them.

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 2016-02-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have XXXX accounts with Wells Fargo. The accounts became difficult to manage with a loss of income. The first account is XXXX XXXX visa XXXX. The second account is XXXX today XXXX. I placed both accounts into consolidated credit to bring them current. The accounts were with consolidated credit counseling for 3 years. In the last year, I became XXXX. I removed the accounts from credit counseling because I could no longer afford to pay the higher amounts. The higher amount were established when the principal balances were higher. Wells Fargo refused to lower the payments to the current balance minimal payment. I had to report the company to consumer federal protection bureau. At this point Wells Fargo decided to correct the minimal payment. They never updated two months of the old minimal payments causing my monthly payments to be higher. I was making payments under the new agreed upon amount but the old {$90.00} payment was showing past due by two months. Wells Fargo never attempted to correct the problem. I called but I paid the new minimal payment amounts. The next notice, I received was a charge off notice. I tried to explain that it was mistake that was never corrected from past representatives but to no avail or correction. I was told the chargeoff would stand and to make arrangements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo obtain my mortgage a few years ago and during this time fraudulently placed my home in foreclosure by stating that I never made a payment to them which was n't true. I was instructed by a lawyer to file for bankruptcy to prevent them from doing this. This process will force them to acknowledge the payments I made and prove their claim. An appraisal was performed on my home that was authorized by Wells Fargo which raised my insurance to an astronomical amount that exceed the worth of the home, I have no legal grounds to fight this new tactic by Wells Fargo,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX. I am XXXX years old widow. I am living on a fixed social security income supplemented by my daughters and some part Time work. I want to let you know that I do not want to loose my home .Not at this age, I have been dealing with wells Fargo trying to retain my home to no success. My home was in a foreclosure sale last Friday. My attorney is trying to file an objection of sale. I hope that the bank can agree. 
My attorneys requested a motion for an extension and it was denied. We needed a little more time to finish modifying my loan. I am not moving from my house.. My daughters are helping me support the home. I am in this situation due to the fact that I refinanced thinking that I was going to relive the stress of the mortgage payment when my husband passed on and it became worse. I am a victim of Predatory lending.. I was never explained that I was getting an interest only loan or adjustable.. Refinancing again is not an option for I owe more than what the home is worth. Please I need for you to hear me out and help me. Your quick response will be gladly appreciatedThank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I sold my home for short sale in XXXX 2011. Wells Fargo never reported to the credit bureau of my pay off of my home and that my balance with Wells Fargo is {$0.00}. I have called several times to contact the morgage department of Wells Fargo and have not had any luck. I would like Wells Fargo to report to all three credit bureau 's, XXXX, XXXX, and XXXX that my pay of has been completed back in 2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation