vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I 've been a member of Navy Federal Credit Union since XXXX. I bought a house when I was XXXX in XXXX using NFCU in XXXX just before the housing crisis. In XXXX XXXX, I had to go through a short sale because I was being XXXX to XXXX, I had to leave my family with my friends in XXXX and I was having problems finding tenants for our house in XXXX. I explained to NFCU that I want to pursue short sale and can not pay my monthly mortgage starting in XXXX XXXX. NFCU without my authorization, deducted the mortgage payment from my checking account for 6 months while I was XXXX in XXXX and while I was going through the short sale process. I did not authorize this payment and I did n't arrange for any automatic payment from my checking account to go directly to my mortgage account. NFCU transferred funds from my checking account to pay for my mortgage without my approval. This issue caused additional financial hardship to my family while I was XXXX in XXXX. I also want to check if this issue is covered by the recent judgment on NFCU for their illegal credit collection practices. Appreciate your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I refinanced my home on XXXX XXXX of 2015. Prior to doing the refi my mortgage was with Roundpoint Mortgage, XXXX XXXX XXXX XXXX NC XXXX. Orginally I had financed the PMI into the loan with Roundpoint as per the UGI the PMI was refundable along with the escrow. On approximately XXXX XXXX, I received a refund for the escrow but not PMI. I then contacted the representative from XXXX who confirmed that the PMI was refundable. After being told this I contacted Roundpoint on XXXX XXXX and was instructed on how to proceed with getting the PMI refunded. On that date I emailed them the UGI and stated my concerns, I was informed that I would be contacted by a representative from the company, I also received an email stating that they had received my email and attachments. After approximately two weeks I contacted Roundpoint and was told that the email went missing in their servicing department and that someone would be contacting me. This never happened. On XXXX XXXX I once again contacted Roundpoint because a representative had not called or emailed me. I was told that I had to email them the UGI and explanation on why the PMI was to be refunded. As I did thisI was told that reprensative would be contacting me within XXXX hours. Upon doing this I received an email stating that that the company had received my request and I would be contacted. After XXXX hours, I was once again not contacted. On XXXX XXXX, I once again contacted Roundpoint and was informed that they were looking into the matter and once again I would be contacted by a representative within XXXX hours which did not happen. Because of this on XXXX XXXX, I once again contacted Roundpoint via phone and was informed that the PMI was to be refunded within 30 days. I was informed of this approximately 2 months after I had completed the refinance. Today on XXXX XXXX, I received a certified letter stating that the mortgage insurance was cancelled on XXXX XXXX. This approximately two months after they received paperwork from my new servicer and one month after I had orginally emailed Roundpoint. In this letter I was informed that I would be receiving a refund once they are able to locate the check. At this time I do not know when the check will be sent since this company seems totally incompetent. I feel that I have been as though I have been receiving the runaround from this company for the past three months and nothing can be done about it. I will be informing the representative from XXXX to not use this company again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First Service Residential, Nevada, LLC
State: MO

Complaint narrative:
The agency is attempting to collect {$2800.00} after the dismissal of a successfully completed Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I began using my Wells Fargo Credit Card in XXXX 2016. The credit limit is {$8000.00}. My current balance is just over {$4000.00}. On XXXX XXXX, 2016, I went to the local XXXX to take advantage of a promotion of " {$99.00} for one year of membership. '' My Wells Fargo credit card was declined when I attempted to use it at this business. In XXXX 2016, I went online to XXXX to make a purchase of {$53.00}. Again, my Well Fargo credit card was declined. I did n't understand that, so on XXXX XXXX, 2016, I went to my files and pulled my bank statements and discovered that Wells Fargo did not send me a credit card statement in XXXX 2016 ( When statements come in from all sources -- banks and utilities, I put them in a little box, in a pile ). Wells Fargo not only failed to send me a statement in XXXX 2016, the bank deactivated my credit card, and sent a negative entry to the credit bureaus, without notifying me. I have been utilizing credit off and on for 45 years, and this sort of thing has never happened to me. It is the most recent statement, XXXX 2016, that shows derogatory information in my account. Wells Fargo knows that I have excellent credit and, therefore, they should have notified me if they believed that I did not make a payment. The truth is, I did not know until recently, when I checked my bank files, that Wells Fargo had not sent me a statement in XXXX 2016 ( I am in the process of designing a spreadsheet that will show the names of all creditors ( banks and utilities ) and the dates on which their statements arrive ).

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 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has recently sent me a letter claiming that they have addressed the situation in regards to my previous dispute, and that it can not comment on certain employee disciplinary sanctions ( if any ). 

Wells Fargo had initially sent a letter to me stating that the company denies any deposit taking place on that date ( please refer to my previous complaint sometime in XXXX or XXXX 2016 ), and even claims that I was not present at the time I have stated I was making the deposit. 

I would like to know Wells Fargo 's and the CFPB 's stance on this situation. I want accountability. 

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 2016-08-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Wells Fargo continues to discriminate against me. They have destroyed my life for 2 years and the CFPB will not help. Please keep my case open until Wells Fargo admits the truth. The CFPB needs to help me communicate to Wells Fargo so they understand the devastation they are creating. What documents do I need to submit to prove Wells Fargo is breaking the law? The CFPB needs to give me more guidance. Wells Fargo still has no email XXXX accommodation available for me to contact if I have questions, see attached letters dated XX/XX/2016 from both Wells Fargo Home Mortgage and Wells Fargo Home Equity. I am telling the truth, please help me CFPB.

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 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The bank charges a {$3.00} fee to transfer funds electronically within 2 business days for customers with an every day checking account. The Bank does not identify the fee in its product documentation nor does it allow the user to adjust the '2 business day window ' when scheduling the transfer. In essence, this is a hidden fee to the user.

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 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I made my XXXX XXXX mortgage payment on XXXX/XXXX/XXXX over the phone with a live representative, she waived the additional fee for making a " just in time '' payment and provided me a confirmation number ( XXXX ). In trying to refinance my mortgage recently, I discovered that my XXXX payment was reported as 30 days late. I called customer service to find out why and I was told by the representative that my payment was not processed until the XXXX XXXX. I informed him that my payment was made on XXXX and the representative assured me that it would be posted on XXXX and that was what my confirmation number was for. The representative on XXXX/XXXX/XXXX told me that the bottom line is my payment is 30 days late because they did n't process it until XXXX XXXX and that was the bottom line. He then refused to speak to me further because of an old notice from XXXX where I had an attorney representation and because of a cease and desist letter from then constantly calling. I explained that I wanted this matter resolved ASAP and that I wanted him to explain what was the purpose of them providing a confirmation number if he ca n't look in the system to confirm their own number.

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 2015-06-29 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:
Hello, I am a customer at Wells Fargo Bank. I have a checking and savings account. I opted out of overdraft services and I recently incurred fees because my bank made XXXX overdraft payments without my consent. My balance is now a negative XXXX dollars. 


Since I opted out of overdraft services these charges should have been declines. 


The XXXX payment made were on XXXX XXXX, 2015 to XXXX in the amount of XXXX dollars and to XXXX XXXX in the amount of XXXX dollars. 

The Wells Fargo website states that even if I do not have overdraft services that they will pay an item creating an overdraft or return the item as unpaid. 

I have an issue with a bank that can arbitrarily decide to pay and item without my consent at their sole discretion. I find this arbitrary and capricious and a predatory banking practice. How many customers have to incur these types of fees? 


The new banking laws were enacted to protect consumers and I have the right to opt in or out for overdraft services. I do not want my bank to decide for me. 



If there are insufficient funds in my account and a fee is incurred then that is my responsibility for not managing my account properly. I do not have to accept a service that I opted out of to pay the original overdraft to the bank and then overdraft services fees. I believe that this is an unfair business and predatory tactic used the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
I am a US citizen and I am currently in XXXX, XXXX XXXX. On XXXX XXXX, 2016, I had my sister to send me {$3500.00} via XXXX XXXX, which she was denied. She was told due to the high scams in XXXX she was not allowed to send me the funds. On XXXX XXXX, 2016, my sister went to Western Union ( WU ) to send me {$1500.00}. 
The money was sent, however, the money was intercepted by someone. She was told someone picked up the money in XXXX, XXXX at XXXX. This is impossible because banks do not open in XXXX until XXXX and these types of transaction are only conducted at banks. Not like in the US customers can go to service stations, retail stores and grocery stores to send money via WU, money gram and other entities. 
My sister filed a complaint, investigation reference number XXXX. WU informed her they will send the information to their agent in XXXX, XXXX XXXX to investigate and it will take 10-20 days to complete the investigation. WU asked her if she wanted the money refunded or resent. My sister informed WU she would speak with me first and get back with them. I instructed her to resend the money. Once she contacted WU and informed them to resend the money, she was told they could not resend the money until the investigation was over. 
My sister attempted to send money via WU to our nephew in XXXX, MO and WU blocked her from sending money within the US. My nephew in XXXX has sent me money on several occasions via WU without any problems. WU also prevented her from sending any more money to me here in XXXX. WU completed its investigation and informed my sister they were NOT refunding the money because " I '' picked up the money. This is an outrageous and outright LIE. 
I did not pick up any funds at XXXX in XXXX , XXXX as WU has alleged. As previously stated banks are not open at that time of morning in XXXX. The questions are who did WU give my money to ; who signed for my money, what identification was used to receive my money and most importantly what bank in XXXX, XXXX released the money? My sister has filed a police report concerning this matter and I have instructed her to contact her representatives of Texas and the FBI. 
WU have crossed the line, I do not appreciate being lied on, I am not a criminal or thief. I am a retired XXXX who has worked for the XXXX for 30 years. If scamming is going on it must be within WU. We have asked WU for all documents from their investigation in which my sister was informed she should receive them in 24 to 48 hours. 
WU has now told her she was misinformed, WU do not release their investigation documents, and she would have to file a subpoena to receive the documents. WU is giving her the run around concerning the address to send the subpoena for the documents. Your attention in this serious matter is greatly appreciated. Since I am currently out of the country I can be reached at my email address. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
During a Chapter XXXX status ( XX/XX/XXXX-XX/XX/XXXX ) my mortgage company changed their name and address without notifying me or my attorney. Thus causing many of my mortgage payments to arrive late incurring fees, fines and penalties. Only after the discharge of my chapter XXXX, was I informed of the new name and address changes. Several telephone contacts failed to resolve this issue. They were unwilling to remove or forgive the unfair late fees, fines and penalties but offered to " ... spread out the outstanding balance over the remaining life of the mortgage or attached it at the end ... '' Before filing chapter XXXX, I was seldom late and after the discharge of my chapter XXXX I 've not been late. I 've received harassing telephone calls from my mortgage company requesting the " outstanding balance ... '' at least twice a week.

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 2016-05-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
western union repeatedly charged me XXXX per transaction when I would send money theru theyre website where i was offered a {$5.00} sending fee they said they reimburse never did

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Someone attempted to use my western union account to transfer {$400.00} to someone named XXXX XXXX in XXXX. Western Union charges {$25.00} for the transactions. The transaction was attempted via my online account but western union sent me an email to inform me that the transaction is under review. When I logged into my account I saw that the perpetrator use a credit card and I was able to see only the last XXXX digits of the card. The last XXXX digits does not match any of my current credit card. And the address on the card is a XXXX address. I live in XXXX. I assume that the perpetrator stole my identity and open a credit card under my name. I requested that the transaction be blocked by western union. Western declined to provide me with full credit card number. I have the last XXXX digits of card number and the address that was used. I am afraid that someone stole my identity and open a credit card account under my name in order to sent fraudulent wire transfers internationally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH

Complaint narrative:
Re : Cashland XXXX XXXX XXXX, XXXX OH XXXX XXXX, The corporate office number is XXXX, and several other phone numbers original due date XXXX/XXXX/XXXX I was unable to make the payment that I agreed to on the due date, I wanted to make payment arrangements. Before the loan was due ( which was originally for {$890.00} with the payback amount of {$1000.00} in 14 days ) I called the store and they said they could n't change the arrangement that I would have to call the Corporate office. I called the corporate office and they said they would not make arrangements until my loan was in default. Two days after the due date they tried to debit my checking account for the original amount and a small fee. There was insufficient funds and my bank set it back and charged me {$35.00}. I called the corporate office because now my loan is in default, I made several attempts to make contact with XXXX who handles my defaulted loan. She called me back and we played phone tag for another 2 weeks, They sent the full amount of the loan again and my bank charged another {$35.00}, Two days later they sent it through and again there was insufficient funds my bank charged me {$35.00} and Cashland also sent a ISF fee through for {$20.00}. My bank paid that but charged me {$35.00} to pay the {$20.00}, because I already had a negative balance. I have been trying to contact XXXX since Monday of this week XXXX/XXXX/XXXX to tell her I will take {$500.00} to the store on Friday, however I need to make arrangements to pay the other half over time. We finally spoke today and She told me she could n't make any other arrangements, they would accept the {$500.00} on Friday but I would have to pay the balance within 2 weeks. I explained that I would n't have the full balance and again asked for smaller payments. She said that was impossible, She could not work with me, because my loan has been sitting there for a month. I said I never received a copy of the loan agreement, what will happen. She said I can get a copy of my loan agreement from the store when I go in to pay the {$500.00}. She said the telephone calls will continue and they will continue to run the balance through my checking account. I told her I wanted to revoke my authorization for the ACH withdraws. She said they will not do that and she told me to have a nice day and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Phoenix Financial Services LLC
State: IA

Complaint narrative:
My bill is covered by medicare and medicaid pheonix finacial has called me several times and beathed into the phone and hung up. When I called them back and they answed the phone they did not state the name of the business until I asked. I told them someone had been calling and hanging up on me. THEY TOLD me I had a bill from the physicians at the emrgency room that I refused to pay and I told them it was covered by medicare and medicaid I had given them the numbers and could again they hung up on me. They said they were sending it to collections over several weeks they called and hung up on me. I thought someone was harrassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 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: MA

Complaint narrative:
Chap XXXX bankruptcy discharged XXXX XXXX, ( home was included ). XXXX XXXX sells loan to Bayview. XXXX home mod attempted but not taken by home owner. XXXX XXXX foreclosure re-started, XXXX auction was cancelled. Not rescheduled. Neither Bayview or their lawyers will respond to emails about when or if the auction will be rescheduled. XXXX years after bankruptcy and XXXX years last mortgage payment still no resolution, although they continue to pay the taxes and house ins on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC

Complaint narrative:
It is our belief that Bayview Loan Serving, LLC has been violating The Federal RESPA Act multiple times regarding our account. A ) Refusing to provide mortgage Statements even after Chapter XXXX discharge five months ago. B ) Failure to respond to written requests for statements and information. C ) Sent one delinquent letter in error and apologizing once over the phone and not sending a letter of apology. D ) Refusing now, not to speak with us via telephone ; telling us they will only communicate with an attorney. 
All payments were made at the end of each month for payments due on the XXXX and all were sent certified and signed prior to due date. Our most recent payment for XXXX XXXX was sent and received but they have not been deposited in our account.

Company response to consumer: Closed with explanation