vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LendUp Loans LLC
State: CA

Complaint narrative:
XXXX lost XXXX payments I made. I filed a claim on the first payment made on XXXX, of {$50.00}. I got credit for this. Then my next payment of {$50.00}, made on XXXX these people charged me {$25.00} and said " customer refused to authorize ''. Per XXXX XXXX XXXX this did NOT happen, and payment was paid by my bank I sent my bank statement from XXXX to XXXX to show them payment cleared my bank and not returned. They STILL confused the credit I got from XXXX payment, with the XXXX payment. They now will not even answer me, very unprofessional. They are trying to cheat me out of {$25.00} for the returned fee. Will not post a {$20.00} payment I made on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
Westernunion was contracted to perform payment service and did not deliver, provided false information for return on funds, was directed to return funds to source and refused. 

Western union was contracted to make overseas payment and did not deliver money. 
They continue pushed for additional personal information and were refused and told to return all monies to the source bank account. 
Instead, they indicated I would have to travel to retail store to collect. 
Attempted collection at XXXX stores using provided transaction #, XXXX times was rebuffed as payment not available. 
Complained again to western union who has ignored communications and has kept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XXXX XXXX, 2016 I went to the Western Union @ XXXX XXXX XXXX XXXX, XXXX, GA XXXX ph # XXXX @ XXXX. The agents name was XXXX XXXX who transferred money he had not reviewed the tape yet, therefore, I called Western Union customer service at XXXX from transaction # XXXX for {$800.00} from XXXX XXXX XXXX in NJ. While I was there a female customer was too close for comfort ; so. I turned around to see what she was doing. XXXX XXXX was counting the money so when I turned back around he gave me the money without doing a recount for its trustworthiness. I left the store and went to XXXX XXXX a few blocks away and came home without buying anything. I counted the money the XXXX XXXX had given me which was {$700.00} short by {$100.00}. I called the store back and made an appointment to review the store 's security tape @ XXXX, but due to a transportation problem I need to go earlier around XXXX. XXXX XXXX said no, but he would call me back at $ XXXX. He called me and said he did not review the tape but, would call me the next. This happened again, but he would never review the tape to clear up the error. After least XXXX calls I ask for his manager 's name which was XXXX @ XXXX. He too has given has put- off since XXXX/XXXX/2016. I called today on XXXX and XXXX and XXXX the agent referred me to their website @ https : //www.westernunion.com/us/en/file-complaint.html # GEORGIA to file a complaint by state. This directed me to the Georgia Dept of Banking and Finance more, which redirected me to CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
I was seen at XXXX who sent highly personal medical information to AMcol without my consent. My original information I disclosed with XXXX who turned around and sent it to Amcol. Amcol I see is licensed in XXXX are they able to share my personal information as well as attempt to practice in XXXX. I would like this matter looked into please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI

Complaint narrative:
I originally decided to purchase this loan due to my car breaking down. Me being a XXXX I have no extra money to spend. Unfortunately I was told my check would be bigger then it was supposed to be and was not able to pay off the full bal. I received the max amount of phone calls daily. Which happens to be 5. I also asked her to be able to make a payment of half on Friday. Then I realized since I 'm in the military my annual training is coming up and I can just pay it in full in XX/XX/XXXX. I offered a small pymt of {$25.00} dollars XXXX/XXXX/16 at XXXX. She told me that amount that I wanted to pay was to small and she was n't going to process it due to the simple fact it would n't make a impact. She then told me if I do not make a payment they will send this to my bank acct and take it out at any moment since I refuse to pay in full. I told her well if this is the case can you please put me on the do not call list. She said she will not put me on the do not call list because I have a loan and she can call up to five times a day. I recently told them I did not want more then two calls in one weeks due to the fact I 'm aware of the loan. I have indications that they have called way more then requested by me. I have time stamps and voicemails indicating they are not willing to follow these rules. It is completely harassment. Me being a debt collector myself I know you are not allowed to request payment in full within the 1st 30 days. I also know threating to take the full payment out of my bank account because I do not wish to pay it off at once is illegal. I asked her in a respectful manner to put my number under the do not call list and she refused to do so. She has broken multiple rules and has admitted that she will continue to call me as much as possible also threatened to take the money out of my account when ever she feel. In order to take money out of my acct I should receive a later of judgment or garnishment of some sort before anything is taken out of my bank account and I have recived no letters in the mail yet. This is harassment and they are breaking Ferpa laws completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
XXXX XXXX refused to deliver {$2000.00} funds as promised sent to a person in XXXX XXXX. Reason is that I did not meet the person face to face and I could lose my money. I informed XXXX XXXX that I may be considered a XXXX holding XXXX XXXX degrees and a XXXX XXXX, was an investment banker at XXXX XXXX and company and the dollar amount was no a significant value for me financially. XXXX XXXX has elevated itself to the level of accepting money on the promise to deliver it to the designated recipient but decide whether it will fulfill it 's contract or not based on some undocumented concern for fraud. The failue to deliver the money as promised caused great harm to the waiting recipient. With the company pretense of preventing scammers from stealing my money, they are acting in the way of a scammer by promising something for money that they have no intention of delivering on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 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 filed a complaint through CFPB on Bayview loan servicing for reporting false information to the credit bureaus a few months ago. They responded to the complaint apologizing for their errors and stated that it was their mistake for the missing payments as monies had not been applied properly. I have refinanced to another company and Bayview updated my credit report to {$0.00} balance which IS correct, but they put all of the derogatory payment history back on my report which they already acknowledged was their fault. Per my lawyer and the judge, they were required to remove all of the false information from all of my credit reports. This has once again negatively affected my credit. They have put since XX/XX/XXXX that I have been 90 days late and that only XX/XX/XXXX and XX/XX/XXXX have been current. Which is false. They also continue to send me bills for escrow of {$210.00} even though my account has been refinanced to another lender since XX/XX/XXXX. I do not want them to report that I am past due on those monies as my account is paid in FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was recently granted a divorce from my husband. The court ruled that he was liable for all outstanding debts on a Master Card with Wells Fargo. I contacted Wells Fargo to have my name taken off of the account and to notify them that my husband was liable for paying off the balance due on the card. I sent them a copy of the decree of the divorce. I made several phone calls to Wells Fargo. I went to a local bank and pleaded my case. I was told Wells Fargo does not honor divorce decrees and that they are holding me responsible for the outstanding balance along with my husband. My husband is the primary card holder on this card and he refuses to pay the balance due. This outstanding balance is destroying my credit rating. And I do not have the money to pay off the balance. Well Fargo also changed the credit card from a Master Card to a Visa card without notifying me. They would not give me the new credit card number until I went to a local Wells Fargo bank and demanded that I be given that account number.

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 2016-09-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have repeatedly asked XXXX simple questions and have received XXXX pages of paper work but have not received a truthful answer from XXXX XXXX. She refuses to seek the truth and give a truthful answer. 

1st Provide me with legal documentation that XXXX XXXX was served with a Lis Pendes at his residents from your attorney. You keep providing false documentations. and Wells Fargo supports and improper foreclosure proceeding denying a XXXX yr old XXXX Veteran his right to contest your actions in court. 

2nd A simple question just answer why there was XXXX different reason for denial. If Wells Fargo or the HAMP program only grants XXXX in a 5 yr period that should have been stated in the first applications. 
Simple questions which only require XXXX line answers not XXXX pages and 45 days to reply. 
I have spoken with XXXX XXXX and have asked her to contact her attorney to give proof tha XXXX XXXX was served at his residents not the rental property in question. She has not returned my call in weeks.

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 2015-12-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo in XXXX XXXX, GA opened a credit card in my name without my permission or consent. The banker never spoke to me about a credit card nor did I ask about a credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am contacting the CFPB because I do not know where to turn. Wells Fargo just approved my request for modification under the FHA HAMP program. My income was calculated so much higher then it actually is and all I receive is basic pay stubs. I questioned the dates of pay stubs being used and Wells Fargo advised me they were dated from XXXX and XXXX. This does not make any sense as I have been submitting pay stubs from XXXX up to XX/XX/XXXX. The income calculated off my 5 and 6 month old stubs was {$10000.00}. If my recent 30 days of income was calculated, it would show my average closer to {$6600.00}. This difference would lower my trial payment ( which is higher then my original payment I could not afford ) by {$400.00} a month. This would help me even if I could save a {$100.00} a month rather than the payment increasing. 

I am appealing the calculations and income used in determining my approved FHA trial payment amount : My income with XXXX is much less than what is being calculated as we no longer get any overtime. It was announced companywide in XX/XX/XXXX no more overtime will be granted and or paid out to employees. 
I am paid weekly and please see my last XXXX consecutive pay amounts:XXXX. XXXX {$1700.00}. XXXX {$1600.00} = {$8200.00} divided by XXXX = {$1600.00} x 52 weeks = {$85000.00}. XXXX {$1700.00} divided by 12 months = {$7100.00}. XXXX {$1500.00}. XXXX {$1600.00} ( Unreimbursed Expenses - I am filing for unreimbursed expenses as per my accountant due to the nature of the job and what I pay out of pocket. In XX/XX/XXXX I filed {$5900.00} and in XX/XX/XXXX, I filed {$5700.00}. For XX/XX/XXXX, the amount should be the same as all my expenses are the same XXXX ( I previously misunderstood the question ) So to my understanding, unreimbursed employee expenses are backed out of the monthly income which for the XX/XX/XXXX year was {$5700.00} divided by 12 months = {$470.00} subtracted from {$7100.00} = {$6600.00} which is a tremendous difference from what was calculated in determining my modified payment of {$2400.00} as my payment was calculated at {$10000.00} as per the trial agreement dated XX/XX/XXXX. 
The FHA Hamp guidelines show the basis of the program is to get the new modified payment 31 % of my monthly gross income which if calculated off my recent income and not from XXXX, would make my payment closer to {$2000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had applied for a mortgage after being transferred with XXXX XXXX and XXXX XXXX in XXXX of XXXX, I was told that I was in arrears with a past mortgage for a home in Missouri which my ex-wife received in the divorce in XXXX. There was a mortgage modification performed on that note for the house in Missouri on XXXX XXXX, XXXX which clearly shows my name on the Agreement, however I never signed said modification and would not have done so. I filed a complaint with Wells Fargo and they were disinclined to correct the issue. My ex-wife has been in arrears on the note, and I am the one whose credit rating keeps her in that house.

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 2015-12-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was contacted by Midland Credit Management with the following number XXXX and the representative made bogus claims that I had an old balance they bought back in 2007 for a XXXX card I never opened. The representative with an XXXX accent, was trying to confirm my social security over the phone but I would not cooperate with this sensitive information. Can you please contact these folks and get them to stop calling my moms house for a bogus debt? I have attempted to ask for a document of this alleged debt and have not received anything. Please look into these unethical business practices as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2011, I became very ill and XXXX making it impossible for me to work causing a horrendous hardship and I got behind my mortgage payments, I desperately call my lender / servicer Wells Fargo Home Mortgage. requesting assistance with my loan with no avail.I continued to ask for assistance for a loan modification under the XXXX XXXX XXXX Making Home Affordable program, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage. representative and agents. I was distress, anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage made this into a nightmare I continued to plead with them, and explained my difficult situation but it did n't get me anywhere. I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and XXXX, method with the process of my loan modification and for denying me the XXXX XXXX XXXX - Making Home Affordable Program after I was assured by their representative agents I would be eligible if I followed their instructions and I did.

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 2016-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA

Complaint narrative:
Due to an internal glitch at Franklin American ( their fault ) a payment posted 3 days after I made a payment. It was due on XXXX/XXXX/16, I tried paying on XX/XX/XXXX, but the website was down. I called on the morning of XX/XX/XXXX and the rep assured me he would put it in so it would show posting on XXXX. Well, he did n't follow through causing my payment to post on XXXX/XXXX/16 ... more than 30 days late. Now they 're telling me that I now do n't qualify to have my PMI taken off because of a payment being over 30 days past due and are refusing to do anything about it. IT WAS THIER FAULT I could not make a payment because their website was down and called it in the next day which was STILL within less than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My niece begged me to co-sign a student loan for her saying she would have to drop out of college if I did n't. She knew we had a policy of no co-signing but she cried and promised to pay off the loan as soon as she sold a house she owned. She sold the home got XXXX cash then tells me sorry I had to pay other bills no money left. Yet she went traveling all over the country showing herself spending all kinds of money on XXXX. Is there any way I can get my name off her Wells Fargo student loan. It is now due for payments I get the notices in the mail. But she refuses to speak to me. Is there anything I can do? Thank you 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 non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
The Consumer Financial Protection Bureau alleged that the NAVY Federal credit union misled its members about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning, affecting hundreds of thousands of people. I was frozen out my accounts many time over the last XXXX 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: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited {$7000.00} into my checking account. Wells Fargo took {$4000.00} for a delinquent student loan. I called and spoke to XXXX XXXX, supervisor, who stated that this is a " different kind of fraud '' and we would not have the money redeposited. We would not have the money re-deposited, we would have to wait for 5 days to determine if its " fraud '' and we would not receive a new account number since this was money was taken through Wells Fargo. We made bill pay and are now left with a large amount of overdraft fees. Wells Fargo Education had signed off this loan on my credit report after making 5 years of payments without a change in the overall amount owed. They made payments so high I could not pay them. And now they stole {$4000.00} from my account without filing a claim through the legal system. No notification by mail or email was ever received.

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 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a bank account with Wells Fargo they opened a total of XXXX banks accounts approx.. 
XXXX/XXXX/XXXX. I had my account froze because of an error or mistake on my XXXX taxes with Franchise tax board. They said I had owed {$2000.00} back taxes. Wells Fargo manager had set me up with XXXX Bank accounts and XXXX Saving accounts. XXXX total. I did not need the XXXX extra accts. Wells Fargo charged and withheld {$200.00} from me from the XXXX accts as well as XXXX took {$200.00}. I went directly to straighten it out with XXXX XXXX on not owing money. I got copies of my XXXX Income taxes from the IRS. I did not owe them. XXXX sent me a refund 4 months later for {$200.00}. I kept complaining and going into the branch to Wells Fargo bank manager about returning the money they took from all XXXX bank accts. He said it was not in his control to return back my money. I am so upset and want to resolve and retrieve the money the Wells Fargo still owes me. I had to close down XXXX bank accts since then XXXX extra bank acct and extra savings acct. that I did not need. The branch is off XXXX XXXX in XXXX XXXX area. Please let me know what I can do or what you can do to help this issue of getting my money back. Sincerely, XXXX XXXX ( XXXX XXXX XXXX XXXXXXXXXXXX

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