vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The Best Service Company, a collection agency, sent me a letter in the mail stating I owed a debt for {$10.00}. I mailed the company a letter for removal of account from my credit reports and a check for {$10.00}. I received a letter after a few weeks that they could not process the payment and that I needed to call them, they included the check I mailed them. I decided to send them a money order for {$10.00} and a letter for removal of the account from my credit reports. I just received another letter in the mail stating they could not process the payment and that I needed to call them, they included the money order I mailed. I believe the company is purposely rejecting my payment methods to get me to call them so they can attempt to extort money from me for more than the debt costs and/or to keep a closed collection account on my credit report to purposely hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 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: Lou Spivack, P.C.
State: CA

Complaint narrative:
This situation initially started when the XXXX XXXX insurance company notified me of an alleged debt I owed over fours years ago. I was a XXXX patron for over four years off and by some strange coincidence I was not notified of this alleged debt till I changed insurance companies. This institution would have me to believe that I did not inform them of the sale of a vehicle in XXXX, which I did adding up to a cost of {$270.00}, But by there own admission they did not inform me of this ridiculous allegation till XXXX XXXX when I changed insurance companies. This company would hold me to the strictest standards honoring their contracts, but it would seem when it comes to their own conduct they just make the rules as they go along. The reason why I am complaining about the law firm of Lou Spivack, P. C. is they in my estimation they are an enforcement arm for these underhanded tactics. They are both one and the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I recently applied for a home mortgage. Per the broker there are inquiries on my report that I did not authorize. There is a pull on my experian report from XXXX/XXXX/XXXX. I did not authorize this. However it was set to drop off XXXX/XXXX/XXXX. The documents attached are from a fresh report pulled XXXX/XXXX/XXXX and it is still on there. I would need this removed immediately as it is a negative impact on my score

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: MD

Complaint narrative:
I received a letter from PennCredit that was paid through the original creditor so you should not be attempting to collect on a paid account. 

Paid directly through XXXX confirmation tracking number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing a complaint against Wells Fargo Home Mortgage. When I was XXXX laid off in XX/XX/2013, I informed then of what was occurring. I applied for what I was told were loan modifications XXXX. At the time, I was making attempts to still maintain my mortgage and household with unemployment and substitute XXXX pay. Unfortunately, I was not able to do so and was not able to maintain the "loan modifications". I went through several loan preservation officers and even at XXXX point had to resend all my paperwork, as a result of the same person no longer being as Wells Fargo. I was not approved for another of what I thought was a loan modification and attempted to get assistance through a local foreclosure assistance agency in XXXX North Carolina. Upon not getting approved for that, I returned back to Wells Fargo for assistance and again, the representatives that I was working with changed while I was within the process. I then began working with XXXX I received no calls from Wells Fargo. I reached out to them at the end of XX/XX/XXXX of this year, when I received a letter stating that my house was being sold in auction on XX/XX/XXXX. That is when I reached out to them and shared that I was attempting to work with another agency. The representative that I spoke with initially shared with me that I would need to provide proof of funds to stop the foreclosure until I shared with her that I was working with an agency. I was not informed by the agency or Wells Fargo that I was to take the letter to my local Clerk of Court. The only information that I received from Wells Fargo was that I was to send them the letter and to follow up with them regarding what would happen next. I made attempts to follow up with them prior to the XX/XX/XXXX, yet they were closed and there was no one that could assist me. When I finally spoke to someone after the XX/XX/XXXX and asked to speak to a supervisor, the supervisor on call would not speak to me and in turn shared with the representative that I was speaking with, that I should had called back sooner and despite what the other representative had told me, that I still needed proof of funds because working with a foreclosure agency was not guaranteed approval and that had I followed up, I would had known that the letter was not approved and that the house was indeed sold at auction on the third. I attempted to make a complaint with them then, but instead they transferred me to someone in Senior Management to see if I could get a reversal of the foreclosure and attempt a loan modification. Despite those efforts, it was denied, as the representative XXXX shared that my account was researched and Wells Fargo was not at fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/2016, I tried to obtain a loan for an affordable housing property. This is my first time purchasing a home, so the process is new to me. In short, the loan with the first lender I was working with fell through because of the condominium association 's coverage on their XXXX bond was not high enough and therefore the loan was denied during the underwriting process. I was then told to re-apply at Wells Fargo XX/XX/XXXX. The branch manager, XXXX XXXX, passed my file to XXXX XXXX. Before I started the process with them, I explained exactly why my loan was denied with the previous lender as well as forwarding them the emails which contained exact figures regarding the associations coverage. I made it perfectly clear that I do not want to pay any more up front fees unless they were sure that the loan would be approved and the XXXX bond coverage would not be an issue ( since I had lost all of the money I had paid upfront with the initial lender and that Wells Fargo was not able to reuse the appraisals or credit checks that I had already paid for ). They assured me it would not be an issue because of the particular mortgage program they were going to use for the loan. Afterwards, I gave them my credit card info to once again pay for an appraisal and a credit check and was charged both fees on XX/XX/2016 and XX/XX/2016. On XX/XX/XXXX during the underwriting process, I come to find out that my loan would once again be denied due to the coverage on the condominiums XXXX bond ( the same reason I had warned them about before applying ). I emailed my representative at Wells Fargo to ask for them to refund the fees that I had paid since they gave me insurance that this same problem would not be an issue. They refuse to refund me.

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 2016-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Amerihome Mortgage holds the loan on our house. The funds we pay in to the escrow account include money to pay our real estate taxes. We received a delinquent notice and contacted them yet the taxes were not paid. We received a second notice and contacted them again. Again, the taxes were n't paid. We received a third notice and my spouse, who is an attorney drafted a demand letter. The taxes were paid however Amerihome did not pay the penalties that they incurred through their delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My daughter applied for a auto loan and was pre approved for XXXX, to purchase a car. However Navy FCU asked her for her documents for employment verification. She provided the documentation, and her offer letter that she received from XXXX XXXX in the offer letter is stated you will be hired, contingent on your drug test and background check ). Well she passed XXXX and is working XXXX. She provided all of the documents they required XXXX bank statement, pay stub, offer letter etc ). 

The lady she spoke with at Navy FCU, stated they needed a COPY OF HER DRUG TEST RESULTS ON XXXX LETTER HEAD STATING SHE PASSED THE DRUG TEST AND SHE WAS HIRED. My daughter was so upset. She told them to close her account. My question is, is she working for Navy FCU OR is she applying for an auto loan!!!! Is this standard practice or do they only ask minorities for this information or people under XXXX this question, what does the drug test results have to do with a auto loan. This is not the end of this. I am going to get to the bottom of their customer service practices and this clearly should be investigated.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I had a loan that was transferred to Wells Fargo and went through foreclosure and was caught up but since nobody knew who owned the note. It had to foreclose since the title was cloudy. It was fraud by the bank on every level. All the documents were Robo-signed and are all made up. It got dismissed in court twice and it is still being reported on my credit inaccurately. Everything is said and done and nothing is accurate on my credit report.

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 2016-08-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I need you do something this company is stolen my money I resquest to them a file a dispute against a company and they just transfer me over and over without result after days trying to do this ; a agent with really bad attitude answered the call and place the issues on top of that after contact them, I call a month after and they just transfer again my calls and they just said I have to wait!!! this is incredible I 'm still waiting without results and this company just stole money from people

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 2015-06-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I took out this loan a long time ago when I was working on my XXXX degree. I recently about a XXXX ago finished my XXXX Degree. I have a private student loan with Wells Fargo. I explained to them that as of right now the XXXX dollar monthly payment would not be feasible due to unexpected expenses that came up. They offered me a XXXX month forbearance which they went back and forth people telling me different things and I think I received XXXX month forbearance. I asked if there is anyway to get my payment lowered for a while because I definitely want to make my payments but I just ca n't afford what it is set at now. They said no there is nothing that they can do to help me, they can not lower the payment and that I just have to deal with my payment amount and make my payment. I ca n't believe that there is no help for me whatsoever. Is there anyone out there that can help me? Wells Fargo never wants to help you, it is always your fault, I just need it lowered for a while so that way I can make the payments on time. Please let me know if there is any help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I FELL BEHIND IN MY MORTGAGE DUE TO UNEMPLOYMENT AND I HAVE TRIED TO GET HELP BUT THE BANK HAS DENIED MY REQUEST MULTIPLE TIMES WITH OUT ANY REASON

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My mother had a reverse mortgage with Wells Fargo. I am her executor. I have spoken to Wells Fargo along the way and have always been told not to worry, there is plenty of time once she no longer lives in the house to sell or sign over to the bank, nothing happens immediately. She passed away on XXXX/XXXX/XXXX. Two days later, XXXX/XXXX/XXXX my husband was diagnosed with XXXX. So I was planning my mom 's funeral and dealing with my husband 's XXXX illness at the same time. I did not immediately or for a couple months contact Wells Fargo due to having so much on my plate. When I did, I never received a call back from the person listed in the letters as my contact. Then foreclosure was started. My attempt to deal with a live human being and actually get anywhere was met with countless minutes spent on hold, getting different answers, getting pushback on what was needed to get anywhere. I simply needed to know how much was owed Wells Fargo so I could decide if, based on comps I had obtained, I should place the property up for sale or sign it over to Wells Fargo. Based on their absolutely horrible customer service and living up to past promises, I feel I should be treated with respect in trying to determine the best course of action. Each call I made, I was of course given the disclosure that the calls were being recorded. Therefore I know there is proof of my attempts at resolving this situation without going all the way to foreclosure. I finally, out of desperation, got my mom 's attorney involved, which of course will cost the estate more in unnecessary charges. Surely there is some protection against this kind of behavior. I can assure you we did not walk away from the property and it has been maintained, association fees paid, etc. If I was applying for a mortgage I am sure I would be treated with utmost respect, but after losing my one remaining parent, dealing with that grief as well as my husband 's XXXX, I have been treated like America 's biggest flake. Today, XXXX/XXXX/XXXX, I am awaiting the payoff, which I have been promised through my attorney to receive by XXXX/XXXX/XXXX, so that I can make a reasonable decision on what to do next. I feel Wells Fargo is not acting in good faith, and should be made to correct their deplorable tactics in dealing with family members who have lost a love one, after that loved one was talked into the reverse mortgage with sugar dripping from the mouths of the Wells Fargo employees. I feel XXXX every time I get off the phone with them, which is why I finally asked my mother 's attorney to step in.

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 2017-01-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: MT

Complaint narrative:
I know it 's been said there is no blacklist, but I 'm being denied loans for all kinds of reasons, this XXXX being the worst. This company denied me because- Our records show that you are a current customer. Oh really, I did n't know that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My bank, Navy Federal Credit Union, has charged me for " XXXX NSF/Return Check Fees, '' totaling {$110.00}. I called and disputed these fees, as they were debit card transactions, and not bank, or check drafts. Also, I was denied the right to opt-in, by the bank, several years ago, and have not opted-in, for overdraft protection. 

My bank has also, manipulated my posting transaction ( Debits ), so as to cause these overdrafts. With the first overdraft, I initially had sufficient funds to cover the first debit, which cause the initial overdraft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX1998 XXXX XXXX XXXX Mortgage charged my account $ XXXX believe this is the cost of XXXX foreclosures which were filed in error XXXX XXXX XXXX XXXX $ loss problems and Wells Fargo merged XXXXI have been trying since 1998 to get a breakdown ( ie time with explanation ) of what makes up this $ amt. Since XXXX every time I send in a RESPA qualified written request, I get the same reply. Which I believe to be a sham '' The matter presented in your correspondence is currently under review and a responsewill be provided to you once our research is complete '' I have yet to receive an answerwith the information requested. I need the reply to be broken down into Attorney fees, late charges, or whatever? by time line. ( ie Late charges {$25.00} for what time? 
I believe this is constructive fraud designed by Wells Fargo.for their gain. Please note, I must receive a reply which will contain time, description and $ amt. XXXX years is sufficienttime to do their research.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Someone used my Wells Fargo Visa card fraudulently and charged XXXX on the card without my permission while I was away in Florida. Wells Fargo contacted me to advise me that a XXXX Police Detective had contacted them to advise them that they arrested someone in possession of my card and that I need to contact this detective for further information, which i did. Afterwords I contacted Wells Fargo to file a fraud claim. They denied my claim stating that I had called them from a verified number to confirm certain transactions. I told them I never called them. I sent them copies of my phone bill showing I never called them. I sent them the police report. Then they said my voice was confirmed to match the voice that called to verify charges previously. I again advised them I never called them for any reason. They stated I called from this number XXXX. This is not my phone number. Now I am stuck with this XXXX bill which they refuse to dispute.

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 2016-08-18 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Integrated Recovery Services
State: FL

Complaint narrative:
This number XXXX ext XXXX Integrated Services say that I got a payday loan. They keep calling my work after i told them that it was n't. They said that I was going to jail he keeps calling me at work. I asked him for his mailing address and he would not give it to me. I am going to lose my job because they call every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo claims I opened up a line of credit with their bank for {$1000.00}. I have requested a copy of the proof as to when I signed for that account to be opened. They have refused and have continuously attempted to collect an outstanding amount of {$400.00}. They have reported this account as delinquent to all XXXX credit bureaus. 
I need you to assist in helping me identify if this is something I did open and if they can show proof I agreed to open.

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