vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
on XXXX 2016 i received an email with a " thank you for your application '' from cashnetusa.com on XXXX/XXXX/2016 i received 3 more " consecutive emails '' from the same sender, stating that my loan was 1 : approved, 2 : my loan was being processed and 3 : my loan was deposited. 

i did not take any loan out, XXXX dollars was deposited to my bank account without my authorization. nor did i ever create nor sign up for an account with cashnetusa.com or any other cash or load service like these online things.however, i recently signed up for XXXX XXXX cvard via XXXX to purchase a laptop, i am not saying XXXX has anything to do with it, it this started after that and it brings up a concern.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: MA

Complaint narrative:
Loan Servicer failed to pay my taxes. I corrected this issue by sending a check to the city. Loan servicer has failed to send me a check for the taxes despite saying they will. They now will no respond to emails requesting the check. I would like them sanctioned for their mistake and if any statute allows for it, to further sanction them for failing to respond to request from borrowers. amerihome is the loan servicer who failed XXXX of the most basic requirements of loan servicers, which is to ensure the taxes get paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just called Wells Fargo bank customer service - this afternoon around XXXX PT - and spoke with " XXXX '' who declined to give me his last name, per the bank 's policy according to him. I conveyed to the latter that I 'm XXXX, and as a reasonable accommodation request, I want him/his entity/manager to investigate if somebody else/potentially one their employees has/have been illegally using my account 's private information to possibly open unauthorized account ( s ) using the aforementioned, and follow up with me via e-mail. XXXX declined and stated that it 's not their company 's policy to communicate with customers via e-mail. I reiterated that I 'm XXXX and I was requesting the latter because of my XXXX ; and that his blatant declination thereof was a violation of the ADA and the FEHA. He still declined to reasonably accommodate and stated that he would have his manager contact me via phone only in the future. The reason behind my call/investigation request to Wells Fargo was because of the recent news/lawsuit that was published on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Recently, I received notice from the state of NJ that my homestead rebate was sent directly to my mortgage service provider, Wells Fargo. I called Wells Fargo several times and they finally told me that I had to provide proof that the state of NJ sent them the money. It was never applied to my taxes ( as my taxes are included in the mortgage payment ). Please help I do n't know how I can prove they received the homestead rebate in the amount of {$260.00}.

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 2017-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: NC

Complaint narrative:
We purchased a home in XX/XX/2016. The mortgage company collects escrow for our property taxes and insurance. I have just received a notice in the mail that our property taxes were not paid in XX/XX/2016 and as of next week the delinquency will be advertised and collections, wage garnishment, bank account attachments, and foreclosure can take place. I have contacted the mortgage company three times, each time they let me know that they will fix it and get back to me. No action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX confiscated my Federal Income Tax Return for XXXX and XXXX, with no XXXX-day notification of said action. In addition, XXXX began garnishing my wages as of XXXX XXXX, again with no XXXX day notice of said action or notification of my rights to prevent such measures, as spelled out in the Consumer Protection laws, Administrative Wage Garnishment laws and the FDCPA, etc.. In addition, I had previously mailed XXXX a debt-validation request letter and then a follow-up letter informing them that " they are attempting to collect on a Zombie Debt. '' The latter mentioned letter was entirely ignored, as they began garnishing my wages in the same month the letter was mailed. I have since sent XXXX a " cease and desist letter, '' informing them that they are violating the consumer protection laws and are unlawfully garnishing my wages, which must stop immediately and let proper procedure follow. It has now been XXXX days since they received this letter and I have received no response, and my paychecks are continually garnished, UNLAWFULLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
wells fargo is damaging our credit by stating we are behind on our mortgage when we 're not.rreason for this is because they claim they under estimated our escrow account but never sent us any notification of this! we contacted wells fargo to see why we keep receiving notifications that we are behind on our mortgage, the customer service rep explained, did a conference call with a rep in the escrow dept & he verifyed this information as well that nothing was ever sent out to us regarding a mortgage increase because of our escrow.this is just XXXX of the many problems weve had with wells fargo being misleading, dishonest, unfair bussiness practicing & not upholding to their introduction on their customer service line when it comes to calls are being monitored & recorded b/c most of the customer services never document anything especially if wells fargo is in the wrong! i dont think this is fair that we the customer has to pay in so many because of their noncommunication, miscalculations & common sense should tell them that if a customer is paying their agreeed to monthly payments, then maybe there is a issue that needs to be addressed XXXX instead of slamming a customers credit!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX I signed up for a Wells Fargo XXXX XXXX card to take advantage of a XXXX, no interest financing for an engagement ring purchase. I began to make payments to the outstanding balance appropriately so that the balance would be paid in full in exactly 12 months. XX/XX/XXXX, I decided to add additional wedding jewelry purchases to the card and assume a new 12-month no interest financing offer. I continued to make payments on the card to pay off the first balance by the XX/XX/XXXX deadline. I later discover that the payments were being applied to both financing offers through an inexplicable system algorithm, and that while I thought I was paid in full by XXXX, their system showed an outstanding balance on the first offer. They then proceed to exercise their clause to charge 27.99 % APR on the remaining balance. 
When I called to ask for remedy through changing how the payments were applied to each offer, they alleged that they had no ability to control how the payments were applied and could not give me " credit '' for having paid the first full balance by the 12 month deadline. They then offered to reduce the total interest charge by 25 %, and were unwilling to accept a counter-offer of something which I thought was more reasonable, which still accepting fault for something I ( and they ) could not control. I called to request audience with a level of management above the Supervisor level but was denied. I am disappointed with Wells Fargo Financial National Bank and their inability to accept responsibility for maintaining a system which has full control over people 's financial matters with no ability for human override.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
We purchased a new car from XXXX XXXX of XXXX Florida on XXXX XXXX, 2015. The XXXX XXXX talked us in to taking a minimum loan of {$6000.00} from Chrysler Capital to get a {$500.00} discount. He assured us we could pay it off with the XXXX payment. The salesman and manager kept trying to get our SSN 's. We refused and only gave them to the finance person who confessed he was new and was unsure of all the conditions of the loan. He could not give us any information on payment amounts. The only information he would give us was the date of the XXXX payment. When I told him I wanted to pay it off as soon as possible he said we would have to wait for XXXX XXXX to contact us. A month later we received the first payment voucher. The voucher had the payoff amount listed. I tried to make a full payoff over the phone. The automated teller would only let me make a payment of {$2000.00}. I talked to a customer rep and supervisor. They said I could not payoff the loan over the phone and would have to mail it in, with a new higher estimated payoff amount. They could not show anywhere on my voucher where this was required. The Supervisor then gave me XXXX different addresses to mail the payment to. I told her I did not trust her directions and mailed the new higher payoff to the address on the voucher. XXXX and XXXX XXXX seem to have an operation of making up a process to maximize interest returns. I hope they credit my account before they decide to charge more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have an account with Wells-Fargo. Over the life of the account, nearly 5 years, I have been repeatedly charged NSF or overdraft fees that are a direct result of daily review of transactions by Wells-Fargo and changing the order of transactions to maximize their take on said fees. 
The attached bank records only show the monthly tally. What they do n't show is the very deceptive practice of manipulating transactions, AFTER they have shown as posted online, to maximize the assessment of fees for NSF or overdraft activity. 
This activity includes the approval of online transactions, only to assess me NSF fees by holding onto those transactions for several days before posting to the account. 
Clearly this is a practice designed to dupe the client out of their hard earned money. There is no excuse for this and it is morally and ethically wrong.

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 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I took a friend to wellsfargo bank to open an account, during that process I went out side to take a phone call, during that time the bank manager ask me friend all kinds of inappropriate questions about me. I feel like I was profiled for no reason. Then months later I go to the same bank and I needed help so I waited for a teller to get off phone as I waited that same manager aproched me and asked me if I needed help I told him no and that I was fine. Then basked again I told him no I will wait for someone else ..then he proceeded to demand that I let him help me in firm voice that made me not even want help anymore I jus wanted to leave at that point ..so I left and 3 days later I went back to bank to take out money to pay my rent and they then told me that my account was frozen..I asked why and no one could tell me, I then called the toll free number and spoke with several wellsfargo reps and supervisers, still no one could tell me why my money was being held..they all said I had to speak to a bank manager named XXXX which is the guy who has been harassing me , come to find out threw many phone calls, he is the one who put the hold on my account! It was done for personal reasons all because I refused his help and he took it personal ... And it 's almost three weeks later and I still ca n't access my money ..I have XXXX children that I ca n't feed and several bill that are over due because of this man abuse of power ... I need answers!!!! Thanks

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 2016-11-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCSPLUS INCORPORATED
State: FL

Complaint narrative:
I do not know what is this bill for?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have had two issues with our Wells Fargo Mortgage loan. 
1. During the recent recession we fell behind a few months on our mortgage payments and when Well Fargo Mortgage was unwilling to work with us to keep our home and we were told that the only way to stay in our homes was to file for bankruptcy, which we did in XXXX 2014. 
2. Since filing bankruptcy, we have continued to make our FULL monthly mortgage payments to Wells Fargo every month. Recently we tried to look into a VA loan and were told that our credit report shows us 24 months late on making payments. When we contacted Well Fargo, we were told that part of the mortgage payment is kept by them and then submitted to the bankruptcy trustee, therefore we are considered not to be making a full payment each month. This has damaged our credit in addition to having to file for bankruptcy to keep our home. We were told by XXXX mortgage loan companies that we can not qualify for any type of mortgage loan due to this information. We now must sell our home because we can not afford the mortgage and trustee payments in addition to our monthly expenses. When we sell our home, we do not know where we will live since we can not qualify for a mortgage loan and may find it difficult, if not impossible to rent a place to live. We have repeatedly left messages with Wells Fargo representatives when we make our phone mortgage payments ( which is the only form that we are allowed to make payments ) to have a supervisor call us and to date we have yet to receive any telephone call from any supervisor. We are totally frustrated and despondent over this situation. We hope someone can help us.

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 2016-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Discrimination, harassed, treated poorly and humiliated over several months by several representatives at Wells Fargo. 
They mis represented themselves, lied and tried covering up. 
My request for a refinance was made almost impossible and they threw in a Home Equity loan, but never explained costs until closing on the mortgage and forgot to give me a HUD report for the equity loan. 
Each agent was rude, mean and demeaning and got angry with me on the phone. 
I am XXXX, have a pension, XXXX and not physically well.

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 2016-06-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo made a mistake in my account and is incorrectly charging late fees and sending me wrong statements. Inspite of assurances provided by their representatives that since this is a system mistake a manual adjustment will be need to be made, nothing has been done for the last 2 months and harassing me with phone calls continues.

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 — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I opened a checking account online at Wells Fargo. I stopped by this morning to sign the paper work and make a small deposit. The banker I spoke with asked me to sign up for overdraft protection which I declined because it has to be linked to a savings account. It appears he went ahead and opened the account either way without my consent. I only realized it when I signed up to my online account

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 2015-09-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I signed-up for a Navy Federal Credit Union ( NFCU ) savings account using their web form. The ( extensive ) disclosure statement provides NFCU the industry-standard capability to monitor a member 's credit, presumably for specific targeting of services. I receive a credit monitoring notice that NFCU performed a " hard '' credit check XXXX the kind normally reserved for applying for loans and credit cards ) and not a " soft '' credit check XXXX the kind used by credit monitoring services and targeted marketing ). A representative tells me that NFCU *implicitly* reserves the right to perform whichever kind of credit check they like. I have two problems with this : ( 1 ) I did not apply for credit and ( 2 ) I do not believe that I provided consent for a hard credit pull.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I refinance with Well Fargo and they verbally confirmed that taxes and insurance was included in the monthly payment, however they purposely did n't tell us that it was only for the rest of the first year, then we would have to pay separately for taxes and insurance

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 2015-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Complaint is for the service r of Wells Fargo, which goes by the name of America 's Servicing Company. This service r is and has been in violation of various mortgage disclosure laws, such as those required in R.E.S.P.A and T.I.L.A. Laws since the originating mortgage XX/XX/XXXX. 
The particular mortgage is a subprime mortgage it was presented to an elderly person, a senior, non XXXX speaking who was asked to sign documents under duress and without proper representation nor translation. The senior in question was a vulnerable XXXX year old having just lost her husband. She was approached but an unscrupulous mortgage broker who used all of the equity in her primary residence to finance multiple properties. This is XXXX of XXXX. Moving forward to violations they included, inappropriate and unexplained fees of the section XXXX of the Federal Trade Commissions Act, which prohibits unfair or deceptive acts or practices in or affecting commerce. The escrow fees in this particular mortgage were excessive and continued from the onset of the mortgage through today. Despite the many complaints mortgagor submitted, especially after the one year anniversary which was the date that the borrower was exercising her right to not have it any longer withheld. The original note was defective and the closing documents altered to hide or change specific numbers in the monies she was charged for such loan. Despite having a XXXX credit score borrower was charged an 8 % interest rate when the market rate for such loan was an average of 5.5 %. This is akin to loan sharking. Continuing on to more violations the insurance escrow on a yearly basis was being paid for and charged to the home owner by the service r at triple and some years quadruple the amount that the home owner herself paid consistently without ever being uninsured, again, her borrowers complaints fell on deaf ears. XX/XX/XXXX home owner experienced a hardship and asked XXXX Wells Fargo and the service r to review and modify the terms of the loan given the high rate of interest. She was denied her request without any explanation. This was a major down fall for borrower as in the months to come her failing health declined and the cause of income loss. The situation has never improved and neither the service r or the bank ever made any effort to reconcile numbers which are representative of the total balance due to date believed and proven by home owner and her accountant to be wrong.

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