vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been getting the run around from Wells Fargo for years. I submitted a complaint to your office over a year ago and they began working with me in hopes of getting a loan modification ( after already giving them over {$32000.00} towards a modification, that they are now telling me was used for " fees ''. I have submitted my paperwork and financial information to them over 20 times. My case was supposed escalated to Wells Fargo 's " president 's office " and assigned a special rep to help get this resolved after my first complaint- but that eventually led nowhere and I was told I did not have options and I should consider a short sale, which I did not want, I have always wanted to keep and could afford modified payments- now they are beginning to foreclose. This is disgusting that they have been able to do this and my home will be foreclosed upon when I can in fact afford a payment. Additionally, my {$25000.00} loan is now at {$500000.00} because of all the fees they have tagged onto my original loan ... .please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo keeps taking withdraws from my Checking account without my consent ; I had a illegal amount of {$81.00} from a XXXX account that was n't mine. I called the XXXX and they instructed me to contact Wells Fargo to get a CHARGE BACK for that amount. 
Wells Fargo did put back that amount ; only to take the amount BACK out of my account. 
And the bank refused to replace that even though it IS THERE ERROR to do so. 
I want my money back into my Checking account POST HASTE. 
I keep the printout of their error that bears out my concern. This has happened XXXX ; and we faxed from another branch of their own bank that proved my claim ; and they lost the faxes XXXX times ... .. the banker on our end stated he faxed to the fraud division XXXX. 
And he concurs we have proven our side enough to get our money back into the checking account ... .. 
WELLS FARGO IS A FRAUD!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
" Bank '', Wells Fargo, has never been and is not the Holder in due course and can not lawfully pursue foreclosure

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 2015-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had applied to Wells Fargo for a refinance of my current mortgage, held by Wells Fargo. I have been in my home for 15 years and am current on my payments. I was very open about my situation, XXXX years old, XXXX veteran, looking at retirement soon, I have lost XXXX jobs in the past 10 years due to our economy and am very much trying to keep my home and prepare as best I can for retirement. 

I have been working with XXXX XXXX XXXX of a local Wells Fargo branch, and we were on the verge of setting a date for the refinance closing. I received and email from XXXX stating that Wells Fargo had told him that the VA had just changed their guidelines and that as I had been late in one payment that they, the VA, would not authorize a refinance of my mortgage. I called the VA directly and spoke with a young lady named XXXX. XXXX was not aware of this restriction and explicitly stated that the VA wanted to help veterans keep their homes and be in the best financial position possible. When I informed various people of my conversation with the VA, Wells Fargo changed their reason for not being able to refinance my mortgage due to requirements imposed upon them by the Consumer Finance Protection Bureau. Like many Americans I am basically living week by week and the savings I would realize by being granted a refinance would be extremely meaningful. My local Wells Fargo rep would like to move along with the refinance, but Wells Fargo Corporate is telling him he can not. I have spoken/communicated with the following Wells Fargo staff : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

During the course of various conversations I have inferred that if I did not make payments for 3 months or more that there were Government Programs I could take advantage of. I do not want to get behind in my payments, I would just like to get some relief thru a refinance at a lower rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE

Complaint narrative:
i am currently in bankruptcy chapter XXXX awaiting discharge. The company Bayview Loan servicing acquired my account at the same time the bankruptcy final payment was made. They have been holding up this process for 11 months with no explanation. Every time they continue the case in court, I 'm required to continue to pay the higher mortgage cost due to an escrow shortage which was paid completely months ago. Since then, they have continued the case every month. They now are claiming i have a escrow shortage of {$460.00} however, I 've made XXXX payments ( {$430.00} toward escrow/mo ) since the original escrow from last year was paid off and they have not applied any of those payments to the current escrow analysis. Once I 've provided docs proving i do n't owe them anything, they then claim i owe them 3 month payments of XX/XX/2014 which i have also provided them and their attorney with the check copies. They have been bouncing back and forth between the escrow shortage and the XXXX payments. I have made every single payment and paid off the previous escrow shortage. i feel they are prolonging this on purpose to get an additional {$270.00} roughly from me every month. i do NOT owe this company any money. They have continued XXXX court hearings and can not provide me with proof that i owe them while i have been the XXXX to provide all the documents proving my side. i want my account adjusted properly and any overage be applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors. 
i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made

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 2015-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Fees charged for A legal fee, that over drafted my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
submitted my file for loan modification review in XX/XX/2016 with Bayview Loan Servicing. I have sent my documents and have contacted my Relationship Manager and have received no response. I am working with a XXXX company XXXX who also contacted Bayview on my behalf only to be advised they have not received a Third Party Authorization which has been sent on numerous occasions. I have a sale date and I called my Relationship Manager to see if the sale date was postponed to allow time for the modification review however received no response. Please help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have been in review for a loan modification for quite some time now. My loan transferred to Bayview Loan Servicing XX/XX/XXXX, when I submitted a loan modification to them. I have been back and forth with them in submitting documentation continuously. More specifically, I have been informed by multiple representatives that my file had been in review and was with their Underwriting Team since XXXX/XXXX/XXXX ( that 's how they were able to postpone the multiple sales on my account ). On XXXX XXXX, i received a call from the representative with Bayview and was advised that my file had still been in underwriting and the sale date which was originally scheduled for XXXX/XXXX/XXXX was placed on hold. I called on back on the date of XXXX/XXXX/XXXX to see how things were going with my review and was informed that my home went to sale earlier that morning. Unbeknownst to me, i was complete shock since i was just notified that my file was with their underwriting department and advised my sale was placed on hold. I asked to speak with management and was told they would need to call me back. I didnt receive a call back for a couple days only to receive a denial letter dated XXXX/XXXX/XXXX ( after the sale took place ) that my loan modification review had been denied. The manager contacted me on XXXX/XXXX/XXXX and i was told that that they had made a mistake and that they would be rescinding the sale but that it would take about a week. They then told me that it had been denied for the HAMP modification program but that it would be approved for an in house. They advised the home went to sale to a 3rd party but they would be contacted to let them know that the sale would be rescinded. I followed back up with them on XXXX/XXXX/XXXX, spoke with XXXX XXXX who informed me that a decision had been reached by their Senior Management Team that the foreclosure will no longer be rescinded. They didnt care that i had a perfected file in review with their Underwriting Team and they were not concerned with the Homeowners Bill of Rights and their decision still stands. This is such a violation with everything that the Homeowner Bill of Rights stands for. This is a home that i worked very hard for and now was taken from right under me. I complied with everything they ever requested and never balked on any information they requested. I really need you help. Now they are not budging on anything they had previously stated and are taking my home. HELP HELP HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc
State: WA

Complaint narrative:
FROM : XXXX XXXX XXXX XXXX/XXXX/XXXX TO WHOM IT MAY CONCERN : I DISPUTE THE COLLECTION ACCOUNT BY PUGET SOUND COLLECTIONS ON BEHALF OF XXXX THE CORRECT AMOUNT IS {$1400.00} NOT {$2100.00}. 

During the past 12 calendar months, XXXX billed my health insurance, XXXX XXXX XXXX, for XXXX different service dates. The total amount XXXX XXXX has been paid to date in XXXX is {$6600.00}. A total of {$7100.00} was billed. I am not responsible for the charges that total {$1400.00} from XXXX XXXX, XXXX. Attempts to collect any amount from me should be ceased and this account immediately canceled. 

I have paid the maximum out of pocket amount for my XXXX XXXX XXXX XXXX XXXX XXXX insurance plan. XXXX claims, including this one from XXXX, are still being processed by XXXX XXXX XXXX. I have never received any bills or notices from XXXX. I became aware of this account from my XXXX credit report. 

My health insurance carrier, XXXX XXXX XXXX, is still processing this claim for services on XXXX XXXX, XXXX. XXXX XXXX XXXX thought that my auto insurance carrier, XXXX, was financially responsible for this claim. This is simply not true. I had a policy limit of {$10000.00} for XXXX XXXX Protection. That amount was exhausted quickly by other claims. XXXX XXXX XXXX is responsible per the terms of my health insurance policy. Ultimately, they will have to pay this claim. 


Sincerely, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stephens and Michaels Associates, Inc.
State: GA

Complaint narrative:
XXXX Stephens & Michaels Associates, Inc. 
XXXX XXXX XXXX XXXX, NH XXXX Toll Free : XXXX Fax : XXXX Email : [ email protected ] Caller : Stephens & Michaels Associates, Inc. 
Call Type : Debt collector they keep calling and either will not spealk or call me a liar when I say its not me they are looking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC
State: CT

Complaint narrative:
I have an unverified account from PHNX FINAN. I had previously disputed this account. I have never done business with PHNX FINAN pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PHINX FINAN Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PHNX FINAN Cease and Desist all further communications and collection actives and provide the verification of the purported

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I have been using Western Union to send money to friends for years.All of a sudden I have been blackballed from using their services..I am not allowed to send or receive money, I asked why and was told they wanted a photo copy of the persons ID I told them a photo ID was shown at the time of my friend receiving money as well as mine being seen to send money.The transaction was still denied.I was asked for more information which I provided, my place of work, my pay stub, the reason why I was sending money, I was still denied.I never did anything to deserve this. .They have not given me any reasonable or sensible explanation.I only get its their privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: The Eastbrooke Group LLC
State: CA

Complaint narrative:
Unknown caller ID # calling, an " investigator '' calling ; she said was from the Eastbrook Group and made it sound like it was a legal case and if I did n't call her back in 72 hours I would forfeit " the legal remedies '' ... The call back # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
Monarch Recovery Management leaves robo calls every day on land line regarding a debt that is not mine. I do not recognize any debt. They do not communicate in writing. They harass me every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX no contract no signature

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 2016-10-05 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Hi there, I got a payday loan with Cash Central in the amount XXXX XXXX I have been using their service for over a year and always pay on time. This time I took the option of breaking the repayment into 4 monthly payments of XXXX ( totaling XXXX ) so I could stop re-loaning. When the 1st repayment date came I realized the payment was attached to the incorrect bank account. I called them to change the accounts but they said i had to wait until the payment was returned. Afterwards instead of making the payment the next day they sent me account to the collections office straight away and charged an extra fee. 
I called them to ask to re-instate the repayment plan but they insisted I pay in full. I made an arrangement to pay over XXXX third of it that week which processed successfully. I called them to organize the repayment of the remaining XXXX . When i STATED IT WAS NOT IN MY BUDGET to repay the entire amount on the spot they asked me how much money i had in my bank account. Both people asked me this the two times I had called and treated me forcefully. I stated I had n't arranged for XXXX two payments but the lady had suggested a plan. They had set up two more payments form my card for the following two weeks. I told them that these were not authorized but only suggested by the representative and that she said she would call me to discuss. I had to argue with a lady for 20 minutes in order for her to not process the next XXXX $ on my card that week, which I could not afford. I had to keep stating " I do not authorize you to charge my card ''. she finally agreed to wait until the following week. 
Today I look at my bank account and the entire amount of XXXX $ was attempted to be processed yesterday without my authorization, which is entirely illegal right?? 
Not only did I not have a scheduled payment, I clearly did n't authorize the payment of XXXX $ never mind XXXX XXXX At the end of my phone call the lady asked if i was still with XXXX XXXX XXXX and i said yes. So they decided to use my account information to try a payment even though unauthorized. 
I do n't think these companies should get away with this kind of activity. I paid on time every month for a year and they are acting without boundaries, and illegally, using my card information without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I have had multiple incidents with this bank in the past couple of weeks. On XXXX XXXX, 2016 my account went negative XXXX. On XXXX XXXX, I was charged an overdraft fee of {$37.00}. In charging that overdraft fee, they made my account negative {$18.00}. So in turn they received an additional overdraft fee of {$37.00} on XXXX XXXX, 2016. 
Now on XXXX XXXX, 2016 I was charged XXXX unavailable funds fees for funds that I transferred from another account at the same bank. So they did not make the funds available in my account right away even though it should have been because a transfer from the same bank should be treated like cash. They are crediting a transfer that I did on XXXX XXXX on XXXX XXXX. Then charged me XXXX unavailable funds fees on top of it of for {$37.00} each. Never once does the customer facing site show unavailable funds. He had to do research on the back end to figure out what the issue was. My account was not negative. They are charging me unavailable funds fees when cash should be available right away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: US MORTGAGE CORPORATION
State: NJ

Complaint narrative:
Hi and thanks for your time ... we recently refinanced in order to take advantage of the reduced FHA monthly MI premium and move from 5yr ARM ( originated with same lender about 12 months prior ) to a fixed product. The monthly savings are less than {$100.00} but the silver lining was ARM to Fixed. The day before closing I received the following e-mail : XXXXXXXX , Funds to close is $ XXXX escrow return is {$4400.00}. 
Sorry about the funds to close but the difference it is made up in the escrow return. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXOffice : XXXXTollFree : ( XXXX ) XXXX ext.XXXXFax : ( XXXX ) XXXXXXXXXXXXwww.usmortgage.com XXXX $ XXXX at closing to save less than {$100.00} per month is a lot but the promise of the escrow refund made it tolerable. 
A few weeks later the escrow check was received in the amount of {$2200.00} ... big difference. 
We closed XXXX/XXXX/15 and I have been going back and forth with the lender to figure out what happened for the past month and every contact ends with let me look into it and I 'll get back to you ... then nothing until I reach out again. 

We think we were misled and I ca n't say for sure but I do n't know if we would have gone forward with the transaction without the inducement of the {$4400.00} escrow refund. 

Do we have a legit complaint? 

Thanks again for your attention to this matter. Any guidance you can offer will be appreciated. I 'm sick of going back and forth with the lender and then being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation