vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX Wells Fargo drafted unauthorized payments from my checking account, causing me to incurr NSF charges in the amount of {$35.00} for the month of XX/XX/XXXX and {$210.00} in XX/XX/XXXX. XX/XX/XXXX payment in the amount of {$2500.00} and XX/XX/XXXX {$11000.00}. I had told that the payment would be refunded within 24 hours on XX/XX/XXXX. This has yet to hhappen, Supervisors XXXX XXXX XXXX and XXXX XXXX XXXX had both listen to the recording that I had not authorized and requested my acount number to deposit or reverse the fee 's. On XX/XX/XXXX XXXX XXXX @ XXXX indicated that he was not refunding the money and conneccted me with the office of the president. During a recorded conversation, i was told that I would recieve a call back in 72 hours. Its been weeks and no call. Now im not recieving call for my mortgage payment, 'm being charged a {$12.00} fee to make a payment over the phone. Ive inclured {$180.00} return check fee on both loans. I'vee aso been told that if I have another returrn check on my mortgage I will no longer be able to make a payment over the phone. Clearly retiliation and Extortion. Also to review my payments are now fulluy amortized and i should be at the 18th year but they have me paying them off in 23 years on both loans. My previouse loan had more of my!! XXXX payment going to principal than with the new loan. It doesnt add up to the thruth and lending although my moortgage balanced increase.

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 2016-06-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I called Wells Fargo about depositing my {$1000.00} loan from my XXXX check. I was told that it would be added to my balance on the following day. I deposited the check and the bank added the check that morning and then removed it from my balance telling me that the check had been returned. I then contacted XXXX, my XXXX company and asked for a explanation. I was told that they did not have any problems on their end. So I contacted the bank and let them know what was going on. The bank told me that my check would be released the next business day. However, I came to find out that wells Fargo has placed an extended hold on my check so that it does n't get released until XXXX XXXX. This is ridiculous and then the bank told me that it was nothing I could do and I could not get the check back and that I would have to ride it out. I told them that it was an emergency and that I would n't have done it if I could wait until the XXXX. However they told me that I could n't do anything about it. I spoke with a supervisor who basically laughed and said " We have had problems with this company before, so you will have to wait ''. This is not a normal bank practice and I am angry. I do n't believe that this is a normal business practice. I have had bank accounts with several other banks where the customer is not lied to like this. My check was not returned. I received the cashed information from XXXX, where the check was cashed XXXX/XXXX/16 and paid.

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 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
there was someone trying to open an account in my name from target corporation, which resulted in a inquiry from XXXX placed on my credit report. The company XXXX sent the information over asking Equifax to remove the inquiry. I am even the information over by certified mail, but Euifax refused to removed the inquiry. Equifax violated the fair reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
Have received numerous calls from. XXXX XXXX XXXX but no voicemail as to what they were calling for ... I called the number back and the representative i spoke with was one of the most rudest people I have ever spoke with ... .when he answered I could n't understand bis name..I stated I 'm sorry what was your name..he stated to me very loudly and rudely MY NAME IS XXXX!! WHAT IS YOUR NAME AND WHAT DO YOU WANT!!! I stated that i have received numerous calls from this number and was inquiring as to why they were calling..he repeated my number back and stated that owed cash net XXXX..i told him i needed some verification of this debt..be said that they have sent me out numerous letters..told him I 've never gotten anything..he said..yeah sure..that 's what they all say..he said listen up miss..we have had it with deadbeats like you..my company is going to have you arrested for cashing a bad check with Cash Net ... I told him I do n't intend on paying anything without some validation..he said we have sent you out eveything you need to know..next step is the local authorities will be notified of this. ..and arrest you..I told him..well I 'll be sitting here waiting..thank you. Have a nice day..and i hung up..he immediately called back and gave me a case # and said good luck deadbeat ...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo removed {$3000.00} from my XXXX XXXX account on XXXX/XXXX/2016, unauthorized. I had a payment set up for this amount, but called them on XXXX/XXXX/2016 to change the payment to the amount of {$490.00}. When I called them and told them I had cancelled the payment of {$3000.00} and needed the funds back, they acknowledged it was their mistake and that they payment should have been cancelled, they did n't know what had gone wrong. The next morning, XXXX/XXXX/2016, I had a conference call with Wells Fargo and XXXX XXXX to see if the charges ( there were multiple ) would clear or be returned. Upon figuring out which ones would clear and which would be returned, Wells Fargo said they would refund me $ XXXX which is the amount that cleared my account and covered the XXXX overdraft charges I incurred because of the overdraft of my checking account. Wells Fargo said they would credit the {$870.00} back to my checking account. As of today, XXXX/XXXX/2016, my account is still negative {$770.00}. When I called this morning, the woman I 've been talking to informed me that the funds would be back in today. When I told her this entire process was absolutely unacceptable, seeing as I have been unable to use my checking account for six days, i.e. purchase groceries for six days, she told me that she was sorry, but they were doing me a favor because their usual process of returning funds is via paper check that can take up to 21 days. I do not understand how it is legal for them to remove funds from my account that I did not authorize, acknowledge their mistake, and then have it take this long for them to return the funds without offering me any kind of compensation. I attended the University of XXXX XXXX in XXXX XXXX, MN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am joint on a credit card with my sister. My sister has charged it to the limit XXXX twice. She and her husband paid it off in XXXX 2015. At that time I was to be removed from the account after 30 day to ensure it would be reported correctly on my credit report. However, when I called to make sure I was removed, they said the account had been closed, but they would have to reopen it to ensure proper in reporting, so I said in thirty days I would be removed. So they never removed my name because they say my sister does not qualify on her own and just opened it with me still on it. Now she has run it up again, and has not made a payment in 4 months. This is negatively affecting my credit because the balance of {$10000.00} is a XXXX of my income she makes almost {$XXXX} a year. I have been on the phone with the credit card company 2 hours at a time on two different occasions and they refuse to remove my name from this credit card I do not recall authorizing I did not authorize them from the beginning. I do n't know this. I do n't want this burden of this that reflected on my credit report and negatively being reflected on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hi CFPB, Hope all is well. I am writing regarding my Wells Fargo credit card. It is ironic, now after the truth surfaced regarding the questionable Wells Fargo 's moral compass. I have solicited WF 's help multiple times over the course of the past couple of years, stating over and over how I never needed the card, and barely use it anymore. I was paying the minimum, which is an acceptable form of payment, unless of course the exorbitant interest charges and " late '' fees continue to accrue. Not to mention they reduced my credit limit WITHOUT my consent, seriously damaging my credit. I asked in XXXX of this year what my options were, specifically expressing interest in a balance transfer, or the card they partnered with XXXX. ANTHING to help. While I will give WF credit on their customer service in other areas, I am so disappointed after being a loyal customer for 15+ years there is no option,

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: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I have been residing at my home for at lease 10 or 11 years and never file an insurance Claim welsfargo is my home mortgage Loan Bank I 've made an insurance claim due to Hail Damage on Roof XX/XX/2016 I received a Check from XXXX XXXX XXXX XXXX made out to me and Welsfargo For the replacement of Roof and other damages I personally went to the Bank to have check endorsed to me and was told that they could n't cuz I was behind on my mortgage payments And wants me to contact A Roofing company so that they can endorse the Check to them!! I am a XXXX and if I got behind on my mortgage was cuz of Personal Issues I an currently all caught up on my Mortgage I was told by my Boss that since it was my House that I can request to be a Self Contractor and that I can Repair the Roof nd Damage I contacted the Property loss Dept at XXXX for A faster Resolution to Be A Self Contractor on XX/XX/2016 and was told to Fax them a written letter with my request on That same day XXXX fax them my written notice I Was told that I would have a response in XXXX or 4 Days finally on XX/XX/2016 I called them Back and was told I was n't approved and without an explanation As why I was n't approve as a Self Contractor please Help me with this 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 explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
My current mortgage servicing company is AmeriHome Mortgage. They bought my loan from XXXX XXXX in XXXX of XXXX. AmeriHome Morgate claimed that they never had my insurance policy paper on file and their escrow department never paid the premium that was due XXXX of XXXX. I ended up paying the XXXX premium out of pocket. See my latest email below to AmeriHome dated XXXX/XXXX/XXXX. It documented the whole ordeal and what I expected from them to resolve the issue. 

==== I have contacted Amerihome multiple times about my property insurance premium issue. Your response below did n't capture what had happened. Let me summarize : 1. The service of this loan was transferred over to Amerihome from XXXX XXXX in XXXX XXXX 2. During the transfer, the insurance document was missed. Even though this is really not my problem ( you should have contacted the loan seller for that ), nevertheless I uploaded on XXXX/XXXX/XXXX the most current policy, which is the XXXX/XXXX/XXXX policy. 

3. I then contacted Amerihome multiple times notify about the policy expiration date. I was told that a request has been made to escrow department. However, no response since then. 

4. To keep the policy from lapsing, I ended up paying XXXX the XXXX policy premium out of pocket, and designated Amerihome as the mortgage holder. 

5. As you can see, I am doing all the tasks that a mortgage servicer is paid to do. From your response below, nothing seems to have happened from Amerihome side. If I did n't take the initiative of paying the premium myself, I shutter to think what would have happened to my coverage. 

6. Let me spell out what I expect from Amerihome. Refund me {$980.00} the policy premium from my escrow account, or pay XXXX the same amount and they will refund me directly. 

7. Notify me via message or phone XXXX by XXXX/XXXX/XXXX about status, or I will log a complaint with XXXX about Amerihome. This will be my last resort, but I do n't see any other options, having had to dealt with your lack of effort/urgency regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a mortgage with Wells Fargo. Wells Fargo had offered a program to oo offer a lower interest rate if I see a lower interest ; I called Wells Fargo, I was told I qualified for lower Interest rate. When I called, to find out why I was n't was n't contacted for the lower interest ... Well Fargo denied any record of me making a phone call for the special program to lower my interest rate I notice that each time I called Wells Fargo the representative knew my mortgage loan. Their computer identified me by my phone number and the Wells Fargo representative new my name and loan number. I believe Wells that Wells Fargo knowingly discriminated against me ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I am a victim of identity theft. I learned that my personal information was used to open an account at Cash Net USA. I did not open or authorize this account. 

I filed a police report as well as an Identity Theft Report with both the State Attorney General 's office and the Federal Trade Commission. 

I notified the company by email ( XXXX/XXXX/16 ) and in writing ( XXXX/XXXX/16 ) that the account was fraudulent, provided the Identity Theft Report, and requested police report. I asked that they investigate the matter, close the account, absolve me of all charges, take the steps required under the FCRA and send me a letter explaining their findings and actions. 

They have not responded to my requests and have continued to send me overdue notices on the account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In 2010 I became 120 to 149 days late on my mortgage and ended up with a large amount of fees that through this agency was reduced from {$22000.00} to {$7200.00} in unpaid fees and late charges. They said the fees were past due interest moved to the end of the account and called 'fees ' to avoid capitalization or further interest.I asked for a detailed breakdown of those charges and never really received one though I did get the reduction. That still seems too severe to me. My mortgage rate is 11.88 % and if that is applied to the full {$1400.00} Paid each month over 6 months it comes to {$2700.00}. If the late fee was {$57.00} a month that comes to {$340.00} and added to the to the above lost interest and that would come to {$3000.00} which would still be outrageous since that looks to be 400 % a year in interest but is also {$4800.00} less than what they say the fees are. 

I have tried to be reasonable and now have come to the end of my patience. Because Wells Fargo set me up with a Forbearance Agreement ( that does not qualify for a HARP loan ) though HARP Loans were available, because this affected my ability to refinance and effected my credit, because it has limited my financial ability to make improvements in my house or other financial investments, because it has limited my ability to find more satisfying employment, and because this has taken time and energy and has been so stressful I demand Wells Fargo either take {$60000.00} off the equity of my mortgage or give me that sum in cash. If this is not provided within 30 days I will consult with an attorney and ask for considerably more.

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 2016-11-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells agreed to a loan modification ( approximately a $ XXXX/mo change on a {$3000.00} payment, and required XXXX payments prior to completing the loan modification. I made the XXXX payments and now Wells is considering not going through with the loan modification. In plain language, they lied, and should they back out they will have committed theft ( {$9000.00} from XXXX payments ) and then they will foreclose on an upside down house for which I have been paying since 2008 and have agreed to keep on paying.

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 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have had several issues with Wells fargo bank. First when they switched over they said that I signed up for things like checking account overdraft and some other programs which I did not. Then they were charging me isf by readjusting the way monies were posted to make it a isf. I have talk to so many representative about these issues and got a different answer are no answers at all. XXXX representative was so disrespectful and unprofessional that I ask for the complaint address. I also believe that they took monies out of my account between XXXX and XXXX. They sent me about XXXX different atm cards at one time said disregard the first ones and sent another set then another set. I was so confused and I never got any straight answers with this bank. I had been with them since XXXX XXXX so I was trying to work with them but I knew they were doing some under handed illegal things. I 'm just glad now that somebody else caught it and did something about it. Please help me with all that you can. I do n't have documents but i can get a print out from the bank from my history. I just want this investigated to see if it was any wrong doing to my account. I always felt it and I knew something was n't right. Please help to to see if i was part of their scam. Thank you for your kind attention to this matter.

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 2017-02-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
( No category above described the problem, so I picked the XXXX most closely related ... ) Transworld Systems Inc. notified me to collect a medical debt that I owed. When I tried to pay the debt online at the website the company provided, their server was repeatedly down over a two day period ( XXXX/XXXX/17 - XXXX/XXXX/17 ). I called during regular business hours to pay my debt over the phone, but my calls repeatedly went to voicemail, and no one ever called me back. 

This is deceptive. The goal of Transworld Systems Inc. seems to be to give people the false impression that they can pay their debt online or over the phone, then lull them into a false sense of security, so that when these attempts fail ( by design ), the deadline is too soon for a mail-in check to meet the deadline. In this way, Transworld can charge more interest.

Company response to consumer: Closed with explanation