vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo Mortgage to discuss with them about going back to school and possibly modifying my home loan. I was informed it had to be delinquent. I was also made known it would proably take a couple of weeks. I immediately submitted to them all the documentation requested. 
I was asked XXXX time to submit a document after the initail submission and I did the very next day. 
The XXXX date of contact was XXXX. The Bank took as long as possible dragging my credit into a bad negative rating. I was told approx. 2 weeks. My XXXX payment was due XXXX XXXX 2014 for the XXXX Modification payment. I called and called and called. They did not care. They sent me {$1000.00} for the inconvience. I ask them to correct my credit because its their fault! They have said they would listen to recordings and get back to me. I have received numerous letters informing me it will take longer. If they listen to the recordings they will see I am correct! I signed a letter stating it would affect my credit, Yes but 1 month not XXXX. The represenative working with the modification said on a recorded message 2 weeks. I want my credit report as well as my brothers ( XXXX XXXX ) whom signs on the loan with me to be leagally corrected. 
They have ignored XXXX lied about this issue over and overXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
This is the third complaint that I have submitted to Comsumer Dinancial protection Bureau for the last 2 weeks and I keep receiving responses that you are unable find this company. NetCredit I need to make managable payments I had an unexpectes emergency and they are taking all of my biweekly pay the company will not work with me.This company is NC Financial Solutions XXXX dba NetCredit regulated by Utah XXXX XXXX XXXX XXXX XXXX this loan isat 98.9 % interest

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My wife and I have asked numerous times to stop calling us at work. 
When the call 2-3 times a day, the do not leave the name of the rep only XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX Bank, Maryland ... 

CASHNET Payday loan keeps deducting more then XXXX payment from my bank account!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought a new construction in the XXXX and at first we used builder 's in house lender. But we found the rate is not attractive so we switched to Wells Fargo who assured us a better rate. However, at the time when we are almost closing. Wells Fargo told us that it 's impossible to do this with us. Since the they can not meet the builder 's timeline. What should we do? Can we sue Wells Fargo for not being professional?

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 2015-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been banking with Wells Fargo Bank for almost 2 years now and they have always charged me with insane fees. When I make a purchase, the funds get taken our of my available balance but their system manipulates it to where it goes back to your available balance and at a later date they take it out making it look like you made the purchase with no sufficient funds. It is designed to make you overdraft your account and so they can charge you {$35.00} NSF for a {$4.00} transaction. I have receipts of when I made the purchases that caused me XXXX charges of {$35.00} and I should't have been. I called their customer service and they wanted to just tell me how the system works instead of helping me out so I do n't have to make the complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc.
State: TX

Complaint narrative:
never got account open

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'be submitted a complaint about how deceptive this bank is now charging me overdraft fees for transactions that do not match my transaction history, now all they can tell me is that they ca n't do anything about it. I am sick of this bank, and sick of filing complaints and playing phone tag with its representatives. I just got off the phone with XXXX a customer service associate and as per usual I was told the same thing I have always been told ; " There 's nothing I can do ''. When I asked for her name, she refused, so I asked for a manager and spoke to XXXX, and I asked for her associates name XXXX. I ask XXXX NOT to waste my time by trying to prove me wrong, I asked her NOT to be disrespectful and speak over me, and she did both. I am opening an account under my mattress, I 'm SICK OF DEALING WITH A DECEPTIVE BANK!!!!!!!!!! 

I just want my {$70.00} fees waived asap.

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 2016-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i have applied for a mortgage loan with wells Fargo and locked the interest at 3.125 for 90 days, we had some delay in the loan with the seller due to contingency of her buying a new home, but we still in escrow and we going to close next week, and we still in the fame time that we locked the interest when the loan was canceled ( XXXX than 45 days ), paid for apprasial fee, had to reschedule the apprasail for 2 times and then the appraiser cancel the order, and the loan got approved as i sent all he needed paper to them .last i discussed with the agent 2 weeks before canceling the loan was their request to remove my wife from the title as her name is not in the loan, and he said that he is going to check with his assistant as he did n't know anything about the request and i asked him to order a new appraisal .i never mention anything about canceling the loan. agent was supposed to call me back to see about my wife and to reorder the appraisal. agent decided to cancel the loan without my permission loan was canceled on XXXX XXXX, even until this minute after 90 days i did n't get anything in the mail saying loan was canceled, i complained and they said they are going to have the higher management look into it .it took them 3 weeks and then they asked for more time, then they said they are not going to change it and the interest will be what it is now which is higher at time 3.785. call them again and they said to give them 3 more weeks and i got a call yesterday needing more time .i do think they want to go somewhere else and either loose the house or get loan from a different bank .they are trying to waste my time, so i decide to contact you to protect my right, and to stop other people from having the same bad treatment .i thought i do have a contract and they did n't respect our contact, i am ready to send a copy of the loan estimate upon request and ready to prove that no communication had happened between me and the loan agent since the day i asked to get an appraisal and question about my wife and the day they cancel the loan as the agent said i called him and i said that the deal is not going forward which is a big lie and i can prove that .until this minute still waiting for their non sense and time wasting decision.

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 2016-10-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dillard 's Wells Fargo, closed my account and reported to credit bureau closed unpaid. This is after I paid the account in full and communicated to them I was paying off by XX/XX/XXXX, which I was told this would be okay if not paid /payment caught up in 30 days they would close. I paid in 10 days in full. Now let me add they closed with no written warning either, with grace period of snail mail. Today XXXX. I received in the mail two letters and statement. Statement states not paid, 1st letter dated XX/XX/XXXX account is closed, letter XX/XX/XXXX if not paid by XX/XX/XXXX. account would be closed. The last letter is what was verbally communicated to me. So they do n't know what they are doing and did the opposite of what they told me. Also I paid it off and tried to use it last week to find out they closed it when I called to find out why this rude lady states to me you were delinquent and we closed it, anything else. I said why did you tell me I had until XX/XX/XXXX and closed it without notification and on the same day I paid you in full. She said I told you you were delinquent, I said why was I not notified, she said letter went to you same day we closed it. I said so no grace period, she said the letter was mailed. I hung up. This is poor business and its fraud. You are required by law to notify me of changes and give me 39 day warning

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I filed a Chapter XXXX Bankruptcy and it was discharged in 2010. Wells Fargo was included and they continue to report currently, damaging my credit every month.

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 2016-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: CA

Complaint narrative:
The debt collection company and credit bureau kept XXXX different accounts that were in collections on my credit report well pass the statute of limitations by illegally re-aging the accounts multiple times after they were suppose drop off my report. And I also believe that XXXX of the XXXX delinquent accounts were not my debt. And this has caused me to have terrible credit for years. And I requested a copy of all my debt information from the collection company 2 months ago and still have not received it. After I requested debt information they took those accounts off my credit report but the damage has been done. I incurred those debts in XXXX and never received a bill so I never made one payment so therefore statute limitation has been up and i just got them to remove the negative accounts XXXX of 2016. And when I contacted the collection company in XXXX of 2016 and explained to them the statute of limitations was up they told me there was no statute of limitations on my specific type of debt, which is totally false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
In XXXX XXXX we took out a 15 year mortgage of $ XXXXXXXX4.875 % annual interest rate. The lender bank was XXXX sold and the current lender is PNC Mortgage. 

180 monthly payments were {$2900.00} plus current local realty taxes of {$670.00} = $ XXXX/month. We have a current principal balance of approximately {$120000.00}. BUT we missed XXXX payment in XXXX XXXX. Ever since, PNC has assessed us a late charge of {$140.00} each month. PNC is demanding a total of {$8100.00} ( {$7300.00} for XXXX monthly payments and {$660.00} late charges. [ I know this does not add up ] ) before we can put our mortgage on an even keel. 

PNC refuses to consider extending the term by XXXX month to XXXX XXXX, which makes is impossible for us to catch up. 

Is the CFPB able to help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
ok, in XXXX 2015 i got a pnc bank credit card. the paperwork said spend XXXX dollars in the 1st 3 months and get XXXX dollars cash back. on XXXX XXXX at XXXX a XXXX said yes you will be getting your money. so on XXXX XXXX i spoke to XXXX. sounded like a reasonable man. he said theres been an error, you need to spen XXXX dollars to get your bonus. he said ill give you till XXXX XXXX to spend it. he also said you only need to spen XXXX more dollars to reach that mark. well before XXXX XXXX, 2015 i spent XXXX dollars, meeting the criteria neccasasry. i called on XXXX XXXX, 2015 and spoke to a woman, name unknown, she said yes call back on XXXX XXXX, 2015 that will be 60 days/2 billing cycles from XXXX XXXX and you will get your XXXX dollars cash back. thank you i said. so i did call on XXXX XXXX at XXXX XXXX to be exact. he gave me a complaint number. that number is XXXX i was contacted via phone by a XXXX, last name didnt get he said ill call you again after an investigation has been done. his last reply was friday XXXX XXXX almost XXXX XXXX. he said im sorry to tell you you didnt meet the qualifications to get your XXXX dollars. i said the occ will be contacting you. the occ turned me over to you the cfpb. a woman, XXXX called monday with a v-mail. not an answer. ok XXXX number is XXXX XXXX number is XXXX did i mention on XXXX XXXX, 2015 a woman XXXX at pnc also said yes you will be getting your money. pncs mailing adrress is pnc bank XXXX XXXX XXXX, XXXX, XXXX, XXXX another pnc number is XXXX thats preety much all i have. i also have XXXX XXXX dollar credit. so i want a check mailed to me for XXXX dollars to XXXX XXXX XXXX XXXX, XXXX XXXX thanks for your help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
This is a continuation of my previous case # XXXX. My mortgage company, PNC, is offering to extend my loan term from XXXX to XXXX, increase my rate from XXXX to XXXX. They claim my monthly gross income is {$11000.00} when in reality my gross monthly income is {$2300.00}. and my expenses including mortgage is {$3300.00}. During the application process I sent over XXXX pages of information. They knowledge my application was complete, however, the still requesting documents I have already sent. 
I am sending partial documents to support the information above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have been scammed by a person claiming that they are apart of XXXX claiming that the can qualify me for XXXX vouchers to help pay debt. they informed me that I would need to submit to them {$3200.00} by XXXX / XXXX in order to proceed with the program. they informed me that they would need my username and password to login to see if I qualify for the program. I was notified by the rep that i qualified for the program and the next morning I received a deposited amount through mobile bank for {$3900.00}. So the rep informed me to send {$2700.00} by XXXX and {$500.00} through XXXX. Wednesday night, I found out that the amount that was deposited was reversed. I call PNC and they informed me to call XXXX.I called XXXX and they could not pull up my info. The rep asked me what state am I located in. I informed the rep that I reside in Maryland and found out from the rep that XXXX does not cover Maryland. I called PNC again and they informed me to call them in the morning to make a claim. I spoke with a rep in the morning stressed out about the situation and was told that It happens all the time and he claimed that I would handle well and that I could go back to work because it will be resolved. All I need to do was wait for the form to finish the claim. Its been over a week and I have not received the form. I was also told to open another bank account in order to use funds. During the week I deposit money in the new account at PNC finding out that my account is on hold due to the investigation. I called PNC and ask to speak to a manager in the fraud department and I was transferred to Employee Service in mind of that I am not a employee of PNC. I was finally transferred to a rep who claimed that she was a manager and has not cared on how I was treated from the company nor car on how many times I had issues with PNC Debit card had to be replace due to fraud alerts. I want to speak to corporate of PNC Bank. I filled out a IC3 form requested by FBI and filed a report with Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I have been a customer for over a decade with PNC. Last year they convinced me to change my type of account promising no additional fees and only positive changes. The main selling point being that they would now pay for other financial institutions ATM service charges. Turns out, my previous account did n't have PNC charges for non PNC ATMs. So this account had extra fees! I called in and asked to be reverted to my previous account type and was told it no longer existed and that was n't an option. I was upset at the false information given to me, but as long as they were paying for both sides of the ATM charges that was ok. Now, less than a year later they are removing the main selling point feature of paying for other institutions ATM fees!! I stopped by a branch with no help. I called in to the service center with no help. And, when I referenced the CFPB it was escalated for a manager and I was put on hold for over XXXX minutes, with no help or changes! This was a deceptive marketing tactic used to get me out of a product they did n't like anymore and then pull the main positive features of the new product with in a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
XXXX XXXX -- -Sorry, I ca n't login to continue my complaint and have to go this route. PNC Bank " stole '' maintenance fees of {$7.00} per month out of my " FREE '' checking account since XXXX 2016 according to the Rep I spoke with on the phone. They never sent me " anything '' regarding changes to our agreement -- per their response to my ongoing complaint -- -their response to my complaint was " FALSE '' in all respects, I never received " ANY '' notice of " ANY '' changes to their policies, I PERSONALLY showed up at one of their branches and gave them my current address. Their " ACTUAL '' response was to eliminate my ability to access my account information online once they found out about my complaint with the CFPB and when I called to gain access, I found that every single record of my account had been " erased '' and my account had been " closed '' without my permission. PNC Bank owes me at least {$63.00} plus any penalties you wish to assess to them for all of their other clients that are suffering through the same circumstances I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I purchased furniture at XXXX XXXX of XXXX, The terms of the agreement were 12 months same as cash. My finance agreement is through TOWER LOAN and is calculated differently. The interest has been added to the purchase before the finance agreement of 12 months with no interest has expired. This company also does not send out statements for the monthly payment due. I asked them about the statement and was told we do n't send statements- they only send out late reminders. Date of XXXX XXXX XXXX, 2016, I reported this to the furniture company XXXX XXXX, 2016 and I am now reporting this to you. This is unfair lending practices and needs to be investigated and prosecuted for taking advantage of the undeserved XXXX. TOWER LOAN is charging interest in advance and this is against the law.

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 2015-11-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
please make sure you escalate to someone other than XXXX XXXX. he has not responded to my calls and sent merely a script not addressing the issues. Please send to ceo. if i get an answer from logan i will be incensed and demand someone else. i again got interest. pnc limites the times you can pay from an external account so i made a payment on XXXX when it was clear i intended to pay the whole balance. like my record indicates and it zapped me with a minimum interest charge. i want it back. in addiiton when i called to pay the hold time was over XXXX hour. what else could i have done? due date was XXXX on card XXXXcan not use my cards now. 
i want this sent to someone else and handled. this is pure greed and trickery. please refund my interest. without a script or explanation of how its charged as i am not asking that and that is not the issue. 
either make it easier for someone to pay externally or do away with interest but no traps.

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