vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I was denied a loan do to US Bank " Mistake '' I tried to get a DU approval and it would not due to a pre-foreclosure on our credit they said they fixed the problem .. I have paid out thousands of dollars trying to get this fixed it is the US Bank fault this has been on credit for over 5 years.. higher interest rates, getting turned down because of a foreclosure on our credit I paid for a home inspection, I paid for a appraisal ( 2 times ), I had to paid for a HUD inspector title fees 2x, I sent them a letter stating the monies I have spend over the years due to there mistake they said they could not help me because they do not have any doc showing them I was denied ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
First I was not properly explained during my account opening the opt in or opt out procedure of overdrafts and they did n't go over any of the additional steps that I needed to take to ensure my protection against overdraft fees. I had the money available in my savings account but the personal banker had not linked my accounts together like I assumed she had when she talked about it. She explained the opt in as overdraft protection instead of what it really was. She also did not give me a temporary card when opening my account so I had no access to my money until I came back from vacation even though she knew I would need it. She did not go over the steps needed for online banking and I was not able to make the changes to protect myself against fees such as linking accounts and setting up alerts which I thought she had already done for me since it was something that was discussed. 

After I had noticed that I had over {$200.00} in fees in less than 2 days I went to a branch near my work but they could n't do anything since they did n't have an approval from anyone. The manager at the XXXX branch attempted to get approval but there was neither a manager or assistant manager to help and they told me I had to go in the next day when they would be available. When I went in to the branch that opened my account I was not able to speak with the manager because he was in a meeting. I asked if I could come back later and the assistant made a point that he would not help me and that it would be useless for me to call him at a later time. I then tried to get information about the call center and whether they would be able to help but she told me there was no point and that if she would n't help me no one else would be able to do anything either and I just had to take the fees. She was extremely rude the entire time and from what I understand from her customers and employees she is like this with everyone and also treats her employees poorly to where they no longer wish to work there just because of her just as I no longer wish to bank there anymore. This assistant manager is in the U.S. bank location in XXXX at XXXX in Colorado.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC
State: CA

Complaint narrative:
I was contacted by XXXX XXXX on XX/XX/XXXX at XXXX XXXX. He claimed to be a process server engaged by LPS. He said that I needed to call them ASAP or he would serve me papers. XXXX also called my parents at their home. He was calling from a blocked number, but gave me the number XXXX XXXX XXXX XXXX to contact LPS. I called the number and found out that LPS is Lakefront Processing Solutions. They said that I owed {$450.00} on a payday loan taken out with XXXX XXXX XXXX on or about XX/XX/XXXX that I ned repaid. This sounded incorrect to me, but I gave them a credit card number that I knew would let me dispute the charge and paid the balance with the intention of doing more research when I got home that evening. When I looked into the payday loan, I verified that I did not take a payday loan out and that XXXX XXXX XXXX was most likely not a real company. I called LPS back to discuss and was placed on hold and sent to various voicemail inboxes. Eventually, after several calls from me, they gave me the phone number for XXXX XXXX XXXX. They mailed me a debt verification form ( attached ), but it provided no additional information was very vague. It was also a basic word document form. I disputed the charge with my credit card, changed my card number, and received my money back. On XXXX at XXXX I received a call from XXXX XXXX stating that he had received my file again and would serve me papers in XXXX minutes if I did not resolve the issue with LPS. I called LPS and spoke with XXXX XXXX. I asked for the bank account number that payments had been attempted from and was given the last XXXX digits of XXXX. This is not my bank account nor has it ever been my bank account. I also checked my bank account to make sure that there were no charges coming in or out from XXXX XXXX XXXX. Nothing. No payday loans at all. I am not sure if this is a legitimate debt collector seeking payment for a fraudulent debt or a fraudulent debt collector. Either way I am sure that I do not owe this money and will dispute this debt. LPS has an old address for me, as well as my social security number and former employer 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 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: NCSPLUS INCORPORATED
State: NY

Complaint narrative:
I was contacted by NCSPlus stating I owed money to XXXX University ( XXXX ), I disputed the debt and requested transcripts particularly grades and assignments of classes that I allegedly took, attendance records, I also requested documents with my signature agreeing to pay for any classes. Thirty days went by without a response, around the two month mark they sent a letter stating they verified the debt, yet they provided absolutely none of the requested documentation. I never took any classes from XXXX, as a matter of fact I was attending another college at the very same time, taking the same courses, they were stating I was taking at XXXX. I have documentation from the other college, USPS receipt and copies of correspondence from NCSPlus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Lender reported to credit bureaus that my XXXX 2016 payment was greater than 30 days past due. This is inaccurate at XXXX 2016 had XXXX less day due to leap year. Payment due date was XXXX XXXX. Delinquency clock starts XXXX XXXX and the payment processed on XXXX XXXX - day XXXX. My credit score dropped XXXX points due to this inaccurate reporting. Spoke with the Lender and they suggested I dispute it with the credit bureaus - which I have done.

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 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was provided with a quote for 4.25 % interest rate and 4.268 % APR on Monday XXXX XXXX, 2015 from XXXX XXXX at Wells Fargo Home Mortgage. On XXXX XXXX when I went to lock the rate the APR jumped to 4.291 %. When I confronted XXXX about this he had to look into and talk to his manager and pull some strings to get it back to the original price. I have since received a Good Faith Estimate confirming the 4.25 % interest rate and 4.268 % APR. Today, XXXX XXXX 2015, I logged in to my loan tracker on Wells Fargo.com and the " locked '' rate jumped to an interest rate of 4.375 % and an APR of 4.43 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Good Morning, Can you help me get my money back from Wells Fargo Mortgage Company? Between XXXX 2016 and XXXX 2016 ( 7 mo ), through XXXX automatic bill pay, XXXX mortgage payments each month were made to Wells Fargo Bank. I asked WFB to refund the extra payments or apply as future mortgage payments. They refunded four months mortgage payments and applied one month as mortgage payment for XXXX 2016. But two months they refused to apply as mortgage payments and put it toward the principle of the mortgage. I did not authorize extra mortgage payments as she indicated in that letter nor did I ask for any money to go towards the principle. This is not a law ; I was told that this is bank policy. It is my money, why ca n't they do what I asked? My husband and I are XXXX and would really appreciate any help you can give us in getting the extra two months ( {$6000.00} ) applied towards XXXX and XXXX 2016 mortgage payments. Attached is a letter from WFB indicating their disposition of the matter. 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 explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was approached by Wells Fargo to take out a Credit Card and I was approved for {$5000.00} but only wanted about {$1000.00}, they told me not to worry that in 90-180 days they would have debt repayment or consolidation low interest special, so I accepted the higher credit limit. When I saw an advertisement about the low interest loan program in about 90 days later, I applied and my credit could not have changed that much, but was turned down. So, now I have been forced to pay off a high interest credit card, where I transferred debt expenses to and was given false, misleading, and deceptive information about. This is wrong and not right.

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 2015-12-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We applied to Wells Fargo for a loan modification after my husband lost his job. The modification was declined on the basis of failed NPV. However we have appealed and they are considering our appeal. We are now 4 months late on payments. We called to make a payment today and were told that they would only accept a payment for all 4 payments ( XXXX ). They would no longer accept individual payments. To me this seems as though they are forcing us further into default rather than trying to assist us. I believe that this is a breach of the intent of the new Board of Governors of the Federal Reserve Regulation Z rules under 226.36 ( c ) for mortgage loan servicers : " Servicing practices. 

( 1 ) In connection with a consumer credit transaction secured by a consumer 's principal dwelling, no servicer shall -- ( i ) Fail to credit a payment to the consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency, or except as provided in paragraph ( c ) ( 2 ) of this section ; By refusing to accept a payment online they seem to be deliberately circumventing this rule in order to force us into foreclosure. 

We fully expect my husband to be reemployed next year. At that time, hopefully with a modified loan, we hope to work out a payment plan. At this time we are simply asking the bank to accept a payment. 

Anything you can do to assist us would be greatly appreciated, Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Re : Complaint # XXXX, XXXX and XXXX. Wells Fargo Mortgage continues to stonewall both CFPB and me hoping I will give up on both of you. I refuse to capitulate despite the enormous hours spent bringing this issue to resolution. WFM is now one week late in providing it 's response to my disputed reply to their last " explanantion. '' They charged me an undisclosed, non-itemized charge on my mortgage refinance despite State law requiring details on any bank charges in a closing statement. A so-called " delinquent escrow '' charge they have now disclosed was impossible since I did not have an escrow account prior to the refinancing and have canceled checks showing that all insurance and property taxes were paid and current at the time of the refinance XX/XX/2014. This behavior continues and the headlines this week confirm a culture of deception and delay by Wells Fargo. Further, the ASC representative in a recorded conversation actually asked me why I did n't inquire at the closing about the charge for an " unpaid principal balance '' which now they detail as a " delinquent escrow '' account charge. It 's time, again, for CFPB to support this effort and require Wells Fargo to remove the charge from my statement and clear any implication that this consumer ever had any delinquency with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I I have a Visa cc with WF for over XXXX years. I make payments before the due day to avoid late fee charges. In the XX/XX/XXXX statement I noticed a charge of {$37.00} for a late fee when the payment was received XXXX days prior to the due date. When I called I was given a credit back for the late fee but not for the payment because I was enter as an adjustment. I argued that the XX/XX/XXXX payment went in and why I needed to double pay for XX/XX/XXXX. The customer service representative continue to state I did not pay the account, which I did and before the due date. My grievance is they are not crediting the payment in the correct category so they can continue charging late fee for payment. It is fraudulent and misleading to the customer stating because they label the payment as an adjustment now the consumer must double pay in the next payment creating hardship for the customer and benefiting the XXXX. I would like someone to look into this practice and make individuals aware, I also want my account to be corrected. Thank you in advance for your assistance.

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 2016-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo sent me a letter stating that I have an outstanding water board bill and that if I do n't pay it, they will pay it from my escrow account and then adjust my monthly payment. Problem is I do n't have an outstanding water board account. No one could tell me what a water board account was and I was told it was different from my water bill. When I inquired as to where they got this information, no one was able to give me a straight answer and they gave me the run around. I do n't know what to do.

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: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have been trying to modify our loan with Wells Fargo for about 3 years. The reason we wanted to modify was because in 2012 I injured myself at work. Due to the injury I lost my employment. Wells Fargo made it almost impossible for us to qualify for a Modification it got so bad that we ( my sister and XXXX ) went to a Law firm. This Law Firm ( Law offices of XXXX XXXX ) essentially just took our money and essentially prolonged the inevitable. We still lost our home to foreclosure. Prior to hiring this phony law firm we almost got scammed to short selling our home through this company called ( California free Legal ). They impersonated my sister on the phone and started the paperwork though Wells Fargo to short sale my home. I found out about this because somehow my other sister was looking at houses and saw our home for sale. We lost a lot of money trying to save our home. What bothers me and seems suspicious is that we had submitted all the paperwork they asked for. We got in touch with the XXXX they helped us communicate with the bank, and helped with filing out all the requested documents. The sale date for my home was for XXXX XXXX. We faxed all documents form the XXXX XXXX office on Friday XXXX, XXXX the people from Wells Fargo said it took 48 hours to complete the review. Tuesday came and they still had n't finished reviewing it. I believe that they were stalling so that the sale of my home could take place.

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 2017-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: COMPUTER SCIENCES CORPORATION
State: WI

Complaint narrative:
XXXX XXXX initiated harassing collection style calls to my wife 's cell phone alleging late payments and threatening harm to our credit and lawsuits if we did not make immediate payment. My wife had purchased a new car and traded in the XX/XX/XXXX for a XX/XX/XXXX. The payoff was evidently XXXX short due to a mistake that the purchasing dealership had made. A XXXX payment had been deposited by XXXX XXXX days earlier. A letter arrived to our house the same day that the harassing calls started. The callers were angry and accusation each time. The terribly rude behavior continued several times per day, even though the paperwork they sent stated that a payment was not due for another XXXX 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 2016-12-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My wife and I applied for a Home Equity Line of Credit with Wells Fargo Bank. The phone rep, XXXX, obtained all of the information. Based on our mortgage balance and the estimated value of the home as well as income figures, he offered us a loan of {$33000.00} which was more than we were asking for. We lifted the credit freezes we have for protection. Our XXXX scores were above XXXX. Wells Fargo ran our credit reports and denied our request for a HELOC based on Loan to Value. We complained to Wells Fargo that they misrepresented, mislead us and committed fraud. The application should have stopped with the phone rep based on loan to value since he had the figures. The file was re-opened by XXXX XXXX, a supervisor, who said XXXX had entered incorrect figures for income ... he had used net instead of gross amounts. We were then conditionally approved for {$33000.00}. Documents were provided as requested. We were then denied a second time for loan to value and income/debt ratio. We feel that Wells Fargo committed fraud by misrepresentation, was misleading, provided false information to us, and made false statements to us. They had all of the loan to value and income to debt figures when the original and corrected application were submitted. They should have known then and there that we did not meet their criteria for the loan. They should never have run our credit reports based on the information they had. Now our credit reports show a hard hit and a declined credit request. We are asking that the credit hit from Wells Fargo and the declined credit be removed from both of our files.

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 2015-08-27 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I came to warn you about a website hosted under XXXX XXXX XXXX. 

I provided a Western Union for XXXX USD under the name of XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He receives payments for services he does n't provide. I was a victim of fraud yesterday and my order was not successfully completed. Western Union acknowledged the cash pickup and I was left without my service. 

He has a XXXX account under investigation with the same name XXXX XXXX XXXXXXXXXXXX. He set in motion a western union payment yesterday through my email where he convinced me to pay and continues to request for more money for services he did not complete as early as XXXX XXXX XXXX XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo is my mortgage holder. I have been trying to modify my loan through the home preservation program since XX/XX/XXXX. It is always the same thing, " we have all the documents we need, they will be sent to underwriting ''. Without fail I am then contacted ( sometimes ) by email or letter that additional documents are needed ; as well as the original documents which now ( according to them ) has expired. My " specialist '' never returns my calls or emails.

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