vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
We currently have a loan with Bayview Loan Servicing. Our loan had been sold to Bayview from XXXX bank, which they are in their full right to do. We had requested a loan modification in XXXX 2016. We had provided all the requested documentation and final tax document that they requested. We faxed and emailed to the loan modification person. Then she left and then we were assigned to another loan person. I again was asked for the same information that I had already provided, which I did again. Then I kept getting letters asking for the same information again. I have tried calling and emailing the loan rep numerous times without any return call or response. I even tried to get a hold of the asset manager and left messages, again with no return call. I finally gave up on my loan modification as they refuse to respond to me. We are only one payment behind. I need to know what my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
owner XXXX XXXX file compliant against bayview loan servicing for predatory lending practice. hoepa home ownership and equity protection act of 1994. and tila truth in lending act violation of both hoepa and tila 1 ) high interst rate 2 ) high escrow charges fees and unreasonable late fees respa real estate settlement procedure act 1 ) past due amout and excessive charges unearned and duplicate fees violation of section regulation x improper charges and improper fees. owner request to publish this information to other victims if you are interested in bring a class action lawsuite against bayview loan servicing please be willing to sign petitions and call me XXXX at XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I accidentally made a payment to the wrong credit card. When I went to call Wells Fargo to cancel the payment I made in error, they told me there was absolutely no way to cancel a payment.

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 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was behind seven months on my mortgage this year. I paid my past balance completely and I have been up to date for the past 4 months. Wells Fargo late date is the XXXX of the month. I generally pay before the XXXX Wells Fargo starts calling the home and cell phone at least twice a day. starting on the XXXX day of the month. Is this harassment and legal? I have requested them to call if I am beyond their time period but they keep calling before the XXXX on. I have not been late. They are persistent and aggravating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: InterLinc Mortgage Services, LLC
State: TX

Complaint narrative:
My wife and I were approved for a home loan by InterLinc Mortgage Services in XXXX XXXX, TX. My wife and I were scheduled to close this Wednesday, XXXX XXXX. On today, XXXX XXXX at XXXX InterLinc sent me an email and stated that we were full approved and to proceed with the final walk-through of the property and to provide a time to meet at the Title Company. At XXXX today, XXXX XXXX, InterLinc called and stated that I was no longer approved. They stated that the reason for the last minute denial was because of the current home that we are renting is under forclosure and that rent payments have not been made. I sent them an email from the property management company which shows their approval to stop paying rent due to the forclosure, however, InterLinc still revoked their approval. This has caused us to lose our dream home. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Billing identity theft customer relations and fraud victimization of elite card holders treated with poor service high aprs and synthetic identity theft and poor dispute management with heavy brand information sharing between high end affinity banking partners under XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
Each month my auto payment is due on the XXXX. The bank states I have ten days beyond this to make my payment before a fee is assessed. But the bank will make a fee assessment sometimes before the ten days. I will have the money in the account every month before the ten days. The bank goes in on the tenth day takes half the payment, charges a fee assessment and then takes the rest of the payment. If I have ten days then the fee should not be assessed until the eleventh day. When I contact the bank about reimbursing the fees they stare they can only reimburse XXXX time as a courteously but no more and this means ever not just that month. I have emails where they have stated this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, XXXX and I would like to file a complaint against Wells Fargo Bank. Back in the month of XXXX, 2014, my wife XXXX XXXX and I applied for a mortgage loan with Wells Fargo Bank. Initially my wife and I were included on the loan application for the purchase of the XXXX XXXX XXXX property. However, the loan agent recommended that the loan should be in my name since it was questionable about the loan being approved with both my wife and I. Therefore, we accepted his advice and moved forward with me as the loan applicant for the purchasing of the house. The agent was working with my wife on my behalf to handle all the necessary paperwork to make the purchasing of XXXX XXXX XXXX property become a reality. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested that we have to have this house inspected by a company which they must approve and that the company must be authorized to supervise and sign off on rehab work. My wife and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 
After the inspection was done and we found out that the roof repair estimation was incorrect because it was for a shingle roof instead of a slate roof. We paid a roof specialist {$250.00} to inspect the slate roof and received a more accurately amount of cost to repair the slate roof or change it to a shingle roof. My wife had forward this information to XXXX XXXX by email since she was working with him on getting all the necessary paperwork done in a timely matter. He had conveyed to her over the telephone that he suggests that we let the house go and my wife informed him that we would like to still proceed with purchasing house. We had over {$50000.00} cash in our savings and were willing to sign whatever documents of Wells Fargo to assure that we would pay out of our pocket for a brand new shingle roof to be installed. However, XXXX XXXX did not return any of my wife 's numerous phone calls, voice mails and emails. My wife explained this to me and she discovered after talking to our real estate agent, that he was returning his calls. My wife felt disrespected and wonders if she was not an XXXX XXXX would things have been handled differently. 
It is my belief that Wells Fargo should compensate my wife and I for the {$800.00} we paid to get the inspection which was requested and for the {$250.00} roof and inspection since the company that Wells Fargo approved for the inspection had made a mistake of the repair estimate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
An unauthorized purchased was made to my savings account, I contacted the merchant and they immediately reversed the charge made by XXXX Merchant. Wells Fargo charged me {$35.00} fee. Called to reserve the Overdraft Protection Fee, because no service was render because service was n't authorized to be made because the charge was authorized. Wells Fargo agent over the phone said the fee was legit because I did n't have funds to cover transactions. I asked the agent if the transaction was reversed, Agent said yes, XXXX did not collect {$16.00} because they reversed it because it was authorized. Agent offered partial refund of {$26.00} for the Fee of {$35.00} leaving a debit of {$8.00}. I asked the agent why they did n't refund entirely because no service was render, she said it was legit because service was rendered. I told her, no, Wells Fargo got the money. She said no. I asked her several questions in which she admitted no service was render and the fee was " unnecessary '' because it was unauthorized. Although Agent could not herself refund entirely. Well Fargo sets high restrictions preventing employees to correct legal issues when unauthorized transactions take place, Wells Fargo penalizes consumers when unauthorized transactions take place from bank accounts that are forcefully attached to their XXXX account through a contract between Wells Fargo and XXXX allowing XXXX to add all banks accounts from consumers. XXXX account had an unauthorized charge, XXXX reserved charged. Wells Fargo received charged of {$16.00} by XXXX but was reserved by Merchant. Wells Fargo charged bank account holder {$35.00}, reduced it to {$8.00} when I complained. Wells Fargo Agent over phone said it was " unnecessary '' for the fee but under restrictions set by Wells Fargo was unable to provide the full refund to a service that was never rendered/authorized. Wells Fargo Agent made every attempt to place the blame on me, but after questioning the agent through a varies of legal questions whether a bank can legally place a fee on an unauthorized bank transactions, she could not defend the company. Admitted it was " Wells Fargo '' who placed the fee on the transaction, but admitted it was n't the consumer 's fault because the fee was " unnecessary. ''

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 2016-05-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I had an unauthorized transaction on my checking account and the bank said I should stop payment on my mortgage payment because with the unauthorized transaction the payment would have bounced. I was never told that it would last 30 days. But even after the 30 day period the stop payment was not lifted which they admitted was a bank error but because of that error it resulted in my last loan modification payment to bounce and for my home to go into foreclosure with additional charges and lawyers fees from the mortgage company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Applied Business Services, Inc.
State: GA

Complaint narrative:
letters and phone calls with no verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has stolen {$270.00} from my business checking account in the terms of XXXX {$35.00} overdraft fees and XXXX {$12.00} overdraft fees and {$70.00} from personal checking account ... I never signed up for OD protection. 

Due to, what I believe to be an error by Arizona they levied my account and brought it to a balance of XXXX and the XXXX number Wells fArgo provided to handle the issue never had anyone pick up leaving me to use the internal messaging system. 

They saw that I, a XXXX XXXX Veteran XXXX XXXX XXXX XXXX who is XXXX ( from Arizona of course ), was in a tough spot financially and they took advantage by not responding to my messages with anything but " copy and paste '' responses asking me to call the line that never worked. 

I demand they return the {$270.00} immediately and also return the {$120.00} fee they charged me to have money withdrawed. 

XX/XX/XXXX XXXX withdrawal caused a {$35.00} fee XX/XX/XXXX a XXXX withdrawal caused ANOTHER {$35.00} fee On XX/XX/XXXX and XX/XX/XXXX they hit me {$35.00} both dates for the same {$250.00} attempt. 

This is unacceptable and I would like this to be documented formally so I may take additional legal action XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, among others.

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 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
URGENT - SHERIFF SALE TOMORROW - XX/XX/2015Hi. I was fraudulently turned down on a loan modification. 
XXXX XXXX is investigating the problems but I just called and he did not pick up. 
His voicemail says he will return the call within 24 hours and by then my home will be sold under a Sheriff Sale. His phone number is XXXX x XXXX. 
Please call him. 
Three weeks ago, I got a call from Wells, Fargo Home Mortgage that my loan was denied because it was over {$720000.00}. I applied on XXXX/XXXX/15 for a loan modification with a loan over {$900000.00} ( Wells, Fargo knew this and sent me the paperwork ). 
I called to say " how could this happen? ". XXXX XXXX told me I was grandfathered for the XXXX loan but the reason I was turned down was I did not provide a profit and loss statement for my real estate company. I do n't have a real estate company and no one contacted me about this. They just want to get rid of my home! 
Then, XXXX XXXX sent me a letter stating that she wanted to help me, but it is to late due to the Sheriff Sale. How can this be? The bank can stop the sheriff sale anytime they want to do it by just calling their attorneys. 
Then I got a call from XXXX XXXX and he said he is investigating the whole matter but that was just last Thursday and the Sheriff Sale is tomorrow. I do n't know what is going on but this in not right. He must stop the sheriff sale so he has the time to investigate this matter ASAP & gt ; Please help me. Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Was in the process of a loan modification with WELLS FARGO, submitted EVERYTHING they requested, but had to refax some material over and over again, because they stated they never got it. Making the process very long, and having to start over because I NEVER got the same person twice. Was NEVER directed to a representative to help me either. I was told the foreclosure had stopped while working on the remodification, only to be faxed a letter to my office on XXXX/XXXX/XXXX stating they needed the money ALL of it almost XXXX dollars by Wednesday. Wednesday morning a lady called my mother in law stating she needed to speak to my wife, and I was told if I could show proof we had the full amount everything would stop. We did that my father in law took the money out of his account and gifted it to my wife, ( sent notarized letter to them ) whos name is on the account, mine is not, but I was handling this remodification. That evening we sent proof of the cashiers check and the deposit ticket proving the money was in our account. They told me to LATE the sale took place. In shock, we asked how to go about buying it back. The lawyers office told me to shut up and walk away, Wells Fargo told me NOTHING I could do. Then next morning I spoke with someone in the loans department who told me I could do a RIGHT to RESCIND. First I was told of this, I immediately sent her XXXX XXXX everything she needed, again having to fax and refax several copies, but I did it, she said everything looked good. Would contact me on Tuesday. It is Thursday XXXX and nothing. I have OperationREACH trying to help, I have contacted XXXX lawyers to see if they can help. I was given a stall tactic and I was mislead and misinformed. I also have a copy of the SENATE BILL No. 361. I feel I have been treated unfairly, with my rights, my 14th amendment ignored as well. Please help me and my family keep our home. Its our XXXX!!! 
Thank you XXXX and XXXX XXXX Please contact me there is so much more to this nightmare.

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 2016-05-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A credit card account was added to my primary bank account, which I never agreed to, nor seen the card, nor used the credit card. It was never mailed to me. However, I have been getting charged with overdraft fees from my primary account. Which is strange considering that I have not had an overdraft fee in over 10 years due to my savings account. If I go over on my primary account the funds will automatically take from my savings. I had it set up this way for years. When I noticed a charged was added to the credit card account of {$100.00} by checking my bank on line, I paid the balance ONLY to get it off my account, hopefully to get rid of it. However, the balance continued to increase. After speaking to a banker considering this matter is when I was informed that the charges were from overdraft fees and the credit card was set up as an " overdraft protection '' instead of my savings. I explained to the banker that I never agreed for the credit card to be my overdraft protection because I had already have that set up with my savings account. I continued by informing her that I have not had an overdraft until this credit card was added to my account, that is strange. Supposedly I had overdrafts since XXXX to XXXX. Now I have a balance of {$470.00} which is now on my credit report and affecting my score. I informed them many times that I did not agree for a credit card to be added as my overdraft protection, nor have I seen this card, nor even used the card but still I 'm being harassed to make payments on this account and damaging my credit score.

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 2016-09-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
A local finance company charges that I put my car up for security on a personal loan. I 'm late on payment & they are threatening to have me arrested. I never agreed to putting my car up, in fact I did n't have a clear title on the car. I asked her if this meant I was putting up my car, & she insisted no. They also charged me for auto insurance at a huge rate as a requirement get the loan. This was supposed to be a personal loan, not a title loan. I believe the company lied to me on many occasions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My Commercial Checking Account at XXXX Remain unaccounted for To this date! The banks that took over First Union insists the Commercial Account was turned over to the Pa. Treasurer. The Pa Treasurer 's Office insists it had not been forwarded there. Wells Fargo, Wachovia and First Union Banks have all acted in concert with one another to conceal misfeasance and malfeasance stemming from an internal investigation which resulted in their own employees being named perpetrators in the 'bank fraud bust ' on XXXX XXXX 2000. My efforts to secure access to the account via Special power of Attorney since I was physically unable to appear in person, was to no avail. My account was restrained pending the outcome of the above investigation and should have been released accordingly. With Formal apologies for the grave inconveniences which were caused as a direct result of the aforementioned. Now that I have become physically able to handle my own matter, these corporate bullies insist on passing the buck and giving me the runaround as it were! Hence, I request attention to this matter through this formal complaint. Commercial Checking Account # XXXX XXXX XXXX XXXX XXXX , XXXX, Reference XXXX Commercial

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