vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC
State: CA

Complaint narrative:
i am paying weekly payments through direct deposit from my bank for about a month now on a XXXX dollar loan, yet my payoff amount due is still higher than the original amount I received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
I have authorization to represent XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning their mortgage with Nationstar Mortgage. This authorization is notorized and I can provide a copy. The Nationstar Mortgage company is trying to get XXXX 's to sign documentation without any explaination to what or why they need the documents signed. The email I have acknowledging my authorization is from XXXX XXXX, Government XXXX XXXX, phone XXXX. But I can get no answers for my client and the contact phone number only offers me a XXXX XXXX card if I qualify. 
You may contact me for the proof of documentation. XXXX XXXX, XXXX, XXXXXXXXXXXX, phone XXXX. I am trying to serve a client who needs help. 
Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I am XXXX XXXX, a XXXX at XXXX XXXX. Branch banking and trust ( BB & T ) has caused mental harm and undo stress on me because of overwhelming, unfair returned check fees. They recently charged me XXXX returned fees for XXXX item. They refused to reimburse these fees to me. I can not afford to continue to be treated this way.

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 fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
Re : Loan # XXXX Dear Sir or Madam : The reason for this letter is to report that I am in the middle of a loan modification and also a foreclosure for my home, which was filed unknowingly against me by Nationstar Mortgage. The scheduled sale of my property is set for XX/XX/2016, which I was not aware of. 

Most importantly, I was uninformed and relying on Nationstar Mortgage representative 's verbal promise that stated : " We will not foreclose on your property while under the process of obtaining a loan modification. '' Furthermore, Nationstar Mortgage purchased my mortgage from XXXX over two years and the loan has ballooned with numerous outstanding fees tacked onto the account each month. So, I am requesting that the mortgage company forward me the information listed below. 

Please forward an itemized breakdown of principal and balance amounts pertaining to the loan. I am also requesting the complete details and contact information and an audit of account by outside source. I greatly appreciate your assistance in this matter and look forward to your prompt response. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
URGENT - Hi. I just received a call from Wells, Fargo Home Mortgage yesterday. They told me that they are not going to review us for a loan modification since our mortgage is over {$700000.00} ( they have known the mortgage was {$900000.00} since day one ). They said they are going through with the sheriff sale on XXXX/XXXX/15. This is only 20 days away - we have a farm with horses, cats, etc.!!! This is not fair. They told us they would review our file and get back to us. We have not been treated fairly. 
This is lender abuse. I am XXXX - please investigate. I had sent you a package with all the information back in XXXX. 
On XXXX XXXX, 2015, XXXX XXXX sent us a letter letting us know what she wanted ( the documentation ) needed for a loan modification. She said to send it by XXXX/XXXX/15. 
We submitted all documents in a timely manner on XXXX/XXXX/15. On XXXX/XXXX/15 we received a letter from XXXX XXXX stating that they are reviewing the documentation we sent to them. On XXXX/XXXX/15, we received a letter from XXXX saying that the required information was not yet received (? ), even though they got it and said this in her XXXX/XXXX/15 letter. In addition, the letter on the XXXX did not state what information was still needed. 
On XXXX/XXXX/15 we received another letter from XXXX telling us the sheriff sale would be postponed until XXXX/XXXX/15. We received another letter on XXXX/XXXX/15 stating that XXXX was still reviewing the information ( XXXX ext. XXXX ). 
Then we received XXXX phone calls and letters stating they were reviewing everything. 
Yesterday, out of the blue, we received a phone call from someone else stating they would not do anything because our mortgage was over {$700000.00} and we are going to sheriff sale in 20 days!!!! How can they do this? Our loan has been {$900000.00} from day one!!!! Please help. This is unfair banking practice!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I WAS A WELLS FARGO CUSTOMER FOR OVER 10 YEARS. I HAD MY ACCOUNTS AND MAINTAINED THEM VERY WELL AND IN GOOD STANDARDS. WELLS FARGO DECIDED TO CLOSE MY ACCOUTS DUE TO " IMPROPER PRACTICES '' THEY THEN CLOSED MY CREDIT CARD AND STATED THAT THEY NO LONGER WANTED MY BUSINESS BECASUE THERE WERE " FRAUD '' ON MY CC. I NEVER RECEIVED ANY CALL OF FRAUD ON MY CC AND I NEVER COMMITED ANY TYPE OF FRAUD. ALL MY ACCOUNTS WERE SHUT DOWN WITHOUT JUST REASONS AND ALL THEY CAN SAY WAS FRAUD AND THEY NO LONGER WANTED MY BUSINESS. THEY NEVER EXPLAINED TO ME ANYTHING OR CALLED ME. I CALLED ONCE AND NO ONE THERE COULD GIVE ME AN ANSWER AS TO WHAT WAS GOING ON AND THEY TRANSFERRED ME FROM DEPT TO DEPT AND NO ONE WAS ABLE TO HELP OR GIVE A CLEAR REASON.

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 2016-11-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My name is XXXX XXXX. I have a mortgage with wells Fargo since XXXX. My mortgage payment started at about {$1100.00} a month. Within the shortest period my mortgage increased periodically to almost {$2000.00} a month for a small XXXX. I paid this amount till XXXX till when i could n't keep up with the payment any longer. I applied for loan modification before my mortgage came down to {$1200.00}. I want to know why i was paying the kind of money and why that fast increase to my mortgage. My email is XXXXXXXXXXXX. Phone number is XXXX. Thank you.

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 2017-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Bill Payment system has problem causing double payments. I called the bank and explained how their system to edit a recurring payment. Instead of sending out a edited amount, the system sends two payments. I have called the bank and they refuse to accept responsibility and return the extra payments. this has happened two months in a row wit two different edited payments. Below is the response I received from Wells Fargo 's Bill payment department. 

Here is their response " As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part ''.

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 2016-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a first and heloc with Wells Fargo Mortgage ( WFM ). I notified WFM that I was selling the home with the intent of paying all my obligations to WFM, and requested payoff notices for both loans. In a timely manner, I received the payoff notice for the first, but not the heloc. I continued to request in several more calls and finally, only days before close, did I finally receive a notice in the form of a demand, which was in fact PIF at close of escrow. Simultaneously to or at about the same time as WFM sent the demand and knew full well that my intent was to PIF, WFM reported to CRAs that I defaulted on the heloc and have refused after my repeated attempts to correct. This is of course disasterous and I need help. I have just received a wonderful new job offer that requires relocation and I am fearful that I will have trouble securing a home to rent. Thank you.

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 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
AmeriHome Mortgage failed to pay my homeowners insurance policy from my impound account funds. Upon contacting them, they stated XXXX had no record of me ever having an insurance policy. I contacted XXXX, and found in their notes that AmeriHome has never transferred the payee on the policy from the last Loan Servicer. XXXX has advised AmeriHome on 3 separate phone calls what they needed to do in order to get the policy information, yet AmeriHome failed to follow through and allowed the policy to lapse. AmeriHome also failed to notify me, I found out when XXXX raised my Auto Insurance due to the cancellation of the HomeOwners Policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I did apply for a payday loan with cash net usa. The only reason I know its them is because I XXXX the phone number, and the people under it says thats who it is. Anyway my complaint is that I have XXXX sisters that this company keeps calling them and harrasing them 20-25 times a day. They threatened my sisters saying that they are coming to get me and take me to jail. Then XXXX of my sisters talked to them and they claimed they were not a debt collector but just needed to talk to me. Also they are calling a job that I havent been employed with since 2006. And my ex boss is really mad because she thinks Im trying to ignore them and Im not. Plus they are calling me by my maiden name. I have been married for nine years so this debt is really old. Please help me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I XXXX XXXX applied for a mortgage on or about XX/XX/XXXX. 
I applied for a mortgage amount approximately of {$500000.00}. 
I filled out a XXXX form and supplied all necessary documentation along with signing aXXXX form so the bank who originated this no income check subprime mortgage to verifyI can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX 's directly from the IRS to verify my actual income and stated what it was instead. The current mortgage with Wells Fargo Home Mortgage loan # XXXX and also with XXXX XXXX XXXX # XXXX on my Owner Occupied Property : XXXX XXXX XXXX , XXXX XXXX, NY XXXX, my S.S. # is XXXX D.O.B. XX/XX/XXXX. Wells Fargo Home Mortgage and XXXX XXXX are committing the following Fraudulent and Federal Law violations:1. LACK OF STANDING TO FORECLOSE ; ATTEMPTED ON OR ABOUT XX/XX/XXXX2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I call leave messages and do not receive call backs. The last time I spoke to the girl that is assigned to my account, she got rude since I had explained to the girl who answered that I was n't getting call backs. The next time I called, I got her answering machine, I just left a message with my banking information so that I could at least make a payment. The payment was never debted from my account nor did I receive a call about it. I also had a phone number of a gentleman who works there that I also left XXXX messages with hoping he could help me, never received a call back. Needless to say, I do not know whats going on, can not get anyone to call me back and Do Not want to lose my house. As a co-worker explained, the banks do this to make more interest off the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
i have numerous emails that have come thru my job regarding issuing warrants, threats. also many vulger phone calls in which i am called every nasty word there is and my daughter also regarding XXXX her, my XXXX XXXX, etc. if i did have a laon with them i have no knowledge of this debt not being paid. i need documentation from them but can not get it. if i had a loan which i have n't done a payday loan in years i would remember this. i can provide bank documentation from bank. but i need to know where they come up with this debt they say i owe.. i received an email today that a warrant will be issued tomorrow XX/XX/XXXX at XXXX. Arrest warrant I 'd : - XXXX which will be going to release on Friday XXXX XXXXAttentionThis is the last and final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of Cash net usa Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of cash net Usa has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXXAmount Outstanding = $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have been a client of Wells Fargo for over 10 years and just received I have noticed some unfair business practices in comparison to my other banks. I have a checking account and debit card associated with my account. For the past few months I have noticed that Wells Fargo will hold transactions until close to midnight. This has happen ago on XXXX. 

I had a total of {$30.00} in my account Wells Fargo, I had a check ( dated for XXXX ) post to my account late on the XXXX. I did not receive my " account notification '' of this posting until XXXX. I immediately transfered money over, and Wells Fargo again posted a {$35.00} overdraft fee on my account at XXXX. 

This year alone I have paid over {$730.00} due to these practices. My previous complaint result in only a {$280.00} refund of these fees. And again When I spoke to someone about my concerns they explained that transactions post when they occur, which has NOT been the case for my account and i have even requested for an email to be sent when my account goes under {$50.00}. My notification came hours later! 

I also have a XXXX XXXX XXXX and XXXX account and I have never experienced them holding transactions until close to close of business. My transactions posted shortly after I use my card and any ACH cards are posted earlier in the day. Which, if over drafted, I have to opportunity to make cash deposits that post immediately.

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 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I was fraudulently debited money from my accto by a past vendor and was eventually extorted of this money due to Wells Fargo refusing to prosecute and claiming the case was dead due to their incorrectly filing the type of fraud charges ... 

I was deprived of {$3500.00}

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 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
we had a loan through Wells Fargo purchased XX/XX/XXXX. My husband XXXX in the military shortly after that and while he was XXXX, I had trouble getting Wells Fargo to protect him under the Soldiers and Sailors Relief Act.. Our vehicle was repossessed around XX/XX/XXXX-XX/XX/XXXX. I believe this was illegal due to his XXXX. We were not given a court order. I understand that Wells Fargo is being sued because of this and I want to enclose proof of this. This affected our mortgage process due to the fact we had to explain why it was repossessed. I am also including the credit report stating the status.

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 2016-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
This complaint is related to my previous complaint which still are not resolved. The latest was # XXXX. After systematic harassment since XXXX of 2015 I and my husband of XXXX national origin did not get our home equity loan refinanced. Today I received a bill with increased interest rate not reduced. Our rate went from 2.99 % to 3.24 %. You systematically indicate that the response is undisputed. It is disputed because we are systematically harassed and our application not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We had a mortgage loan with Wells Fargo beginning on XX/XX/XXXX in the amount of {$140000.00}. The loan was assumed on XX/XX/XXXX and Wells Fargo records show that the payoff amount was {$140000.00}. A Qualified Written Request was sent to Wells Fargo on XX/XX/XXXX asking for the amount of the mortgage at the time it was assumed, the name of the company assuming the loan and the amount held in escrow. The name of the company assuming/paying off the loan was not provided in their response of XX/XX/XXXX nor the amount of the mortgage. 

I received a letter from XXXX in XX/XX/XXXX stating that the are now servicing the loan. 
Recently I had my financial advisor, my father look at the transactions and he discovered that XXXX had inflated the loan upon assuming it from the amount due of {$140000.00} to {$140000.00} AN INCREASE OF {$7000.00}. This was hidden from us and attempts to get Wells Fargo to provide information re company assuming the loan and the amount of the mortgage at the time it occurred has fallen on " deaf ears ''.

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 2016-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Home Mortgage continues to collect taxes in an escrow account year after year despite the fact that I do not have to pay taxes under the Texas XXXX XXXX veteran law/act. They apply the escrow money each year to the principal on the loan. Numerous telephone conversations over the years has proved fruitless. The purpose of the tax exemption is to provide more money on a monthly basis to XXXX veterans. If Wells Fargo is doing this to all these types of Texas mortgages the amount of money they are accruing could be substantial!

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