vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
The lender received a loan modification package on XX/XX/XXXX - the docs provided is what the re-entry team at Wells Fargo requested to determine a new review on the file - We continued to follow up with the lender regarding the review - it was not until XX/XX/XXXX that we were advised of additional docs needed for the determination of a review - on XX/XX/XXXX the lender was provided with the requested info needed - we were advised on XX/XX/XXXX that the file had been sent to the second level review and if any docs are missing they will deny because we are in the seven day period and that they will not postpone the sale date. We feel that the lender is not reviewing the file in a timely manor and due to the 2nd level of review that the file is in, the sale date should be postponed for this review due to the Dual Tracking laws and the lenders lack of review and urgency of this file.

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 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alliance One, Inc.
State: NY

Complaint narrative:
Fraud on my credit report. Checked my credit report and found that macys has a fraud account on my credit and has a charge off which I never opened nor received a credit card from them and it is negatively affecting my credit score. I have submitted fraud papers, etc to macys itself, and whenever I try to get through to the fraud department, I can not. I contacted the CEO office of XXXX and spoke to numerous executive associates that transferred me to ALLIED ONE ( the debt collector ) because XXXX could no longer help with this issue so they stated. They are saying my account is accurate. I need to know if the next step would be to get an attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: SD

Complaint narrative:
I have a mortgage with Franklin American Mortgage Company. Related to my complaint is an insurance claim from hail damage to my home for which I am attempting to recover funds. I have endorsed and forwarded checks to Franklin American from my insurance company as well as all documents required. I have correctly followed the procedures required according to the website and the customer service representatives to whom I have spoken at Franklin American. After having my roofing job inspected for them, Franklin American still will not release the money to pay the roofing company. Currently, monies totaling {$7600.00} are being held by Franklin for both roofing and window repairs. Instead of only repairing the cladding to our windows which was approved by the insurance company, my wife and I decided to replace all the windows in our home at an additional cost to ourselves. Because the documentation for the window replacement exceeds the amount to repair the cladding approved by my insurance company, Franklin American told me that they can not release any monies to me until I pay my window contractor in full. 
Franklin American is making it nearly impossible for me to effect repairs and pay the involved contractors. Their information and requirements change each time I speak with them. 
This is the second time Franklin American has made me jump through hoops in order to collect the money they hold from my insurance company. The first time Franklin American retained funds was when my last house sustained hail damage. I feel unlucky that my current mortgage was bought by Franklin American on the secondary market. 
I am requesting that the CFPB look into the practice of Franklin American mortgage company keeping their borrowers ' insurance funds far longer than acceptable. I can only surmise that it benefits Franklin financially to retain my insurance funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX 2017 Wells Fargo rep XXXX XXXX submitted a refi plan for my home. He stated that the closing costs would be $ XXXX less than what was on the quote. He said that Texas had a rule allowing a max of 3 % of the loan amount in fees but regulations would n't allow him to reduce the fees in the beginning but the closer would update and show the 3 % correctly. XXXX would n't return my calls or e mails so I contacted his supervisor, XXXX XXXX -- -and he told me that he could n't do anything about the 3 % but that he would refund my appraisal fee of {$530.00}. I told him several times that I wanted that in writing and he finally sent me an email in XXXX stating that he would return the appraisal. Nothing after that. 
I received an email from XXXX XXXX VP of Well Fargo National Retail Sales -for a survey -- I responded with all the info and e mails sent to XXXX XXXX XXXX Executive Resolution. I keep getting letters from her delaying the solution. so I decided to contact your organization.

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 2015-04-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I was told my loan would be be about XXXX month they took out XXXX this month they are taking XXXX out of bank I live on widows pension this is very hard on me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
It is my understanding that I have a right to pay towards the principal balance anytime and have the entire payment applied towards the principal balance assuming I have no arrears. I have navy federal refusing to apply XXXX dollars towards the principal that I paid 10 days before my actual payment was due which had interest taken out of it as well. XXXX different people including XXXX supervisors have told me the only way I can pay on the principal balance is make a second payment on the due date. I believe this to be illegal. please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I ordered grass sod at XXXX but I have called to customer service and canceled it. a couple of days later, they charged me so that I called to complain and request for getting a refund on first week of XXXX. but they said grass sod already shipped out so they could not refund. I never got sod since i called and canceled on end of XXXX, also I called to customer service many time but always I had a same answer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2016, I walked into Wells Fargo to deposit a check into my business account. When I approached the teller to make the deposit she brings to my attention that I do not have a savings account with Wells Fargo. I informed her that I was aware of the fact and I did not want a savings account. She made two more attempts to get me to open a savings account, to which I declined. On the teller 's fourth attempt, I informed the teller that I was short on time, but I would agree to speak with a personal banker to inquire about opening a savings account only if the personal banker were available after we completed the deposit of the check. After the check was deposited, the personal banker was not available, therefore, I left Wells Fargo without speaking to anyone regarding the savings account. I now realize that I have a credit inquiry from Wells Fargo on that day. I was never informed they will check my credit, nor did I authorize anyone to make an inquire on my credit.

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 2016-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX 2015, during a 3-way conversation with Wells Fargo rep and XXXX XXXX, WF rep talked about my account information that was outside the realm of what the refi company was asking for. I only gave permission to the WF rep for each question that the XXXX XXXX asked, so there was no need for the WF rep to volunteer any information or say anything unless I gave permission for her to answer the XXXX rep question. Without being asked, the rep talked about my monthly payment and stating the amount that was due and asking when would I be making a payment. The refi person stated that she should not be privy to this information and disconnected the phone call. After this 3-way conversation a yes to refi was turned into a no with no valid reason why refi decision was changed. My complaint is that the WF rep gave out information without my permission and information that was apparently detrimental that lead to my denial of credit. What I want done is to receive monetary compensation from WF for this denial of credit due to incorrect release of information by WF rep.

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 2017-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I tried but can not make a withdrawal from my checking account with Wells Fargo on XXXX,2017. I contacted Wells Fargo, and was told there is a hard hold on my account, that my account is under review, that it will take ten business days and excluding weekends to do the review. I was told a decision may be reach on XXXX,2017 and that is all they could tell me. I called Wells Fargo again on XXXX,2017 and they repeated all the things they have told me before, except that they may reach a decision now on XXXX, 2017 instead of XXXX, 2017. I have only {$1.00} in my possession when i discovered the freeze of my checking account, i do n't know how they expect me to leave on and make bills for two week in the middle of the month while they do their reviewing

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 2016-05-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX I was accepted into Wells Fargo Loan Modification Program Trial Period. I voluntarily sought help before I became delinquent with my mortgage payments. I was not under any foreclosure process. At that time I was advised by Preservation Specialist XXXX that I would not make a XXXX XXXX Mortgage Payment since being accepted into the Modification Program. However, since my mortgage payment was automatically debited from my bank account and, my XXXX XXXX mortgage of {$800.00} was paid. 
On XXXX XXXX, XXXX, I was assigned a new Wells Fargo Preservation Specialist XXXX who informed me that since I had made an " overpayment in XXXX XXXX '' that it would not be necessary for me to make the required XXXX XXXX Trial Payment. The Preservation Specialist audit my account and advised the following with my agreement to have these payments automatically debited from my bank account for XXXX XXXX XXXX, XXXX {$540.00} - Confirmation # XXXX XXXX XXXX XXXX, XXXX {$550.00} - Confirmation # XXXX On XXXX XXXX, XXXX I received an email from a new Wells Fargo Preservation Specialist XXXX stating that he had been assigned to my case. 
On XXXX/XXXX/XXXX I contacted the Preservation Specialist XXXX to request a status update due to a letter received from Wells Fargo about enrolling into a Modification Program ; however he was not available and I was directed to speak to a different Specialist. This person reviewed my file and informed me that I owed {$550.00} as a result of being misinformed by Wells Fargo Preservation Specialist XXXX that no payment was due for XXXX XXXX. 
Although I attempted to explain the overpayment made in XXXX XXXX, to be current for the final Modification I had to pay the {$550.00} covering XXXX payment and balance due for the XXXX payment. 
I faxed my newly assigned Specialist XXXX requesting that he confer with Specialist XXXX to find out how she calculated my trial payments for XXXX and XXXX. I also attached various faxes questioning the misinformation I was receiving each time a new Preservation Specialist was assigned to my case. 
I am XXXX XXXX XXXX and I have never experienced this type of confusion between the various people assigned to help me through the XXXX Modification Program. It is apparent that there is no debriefing communication between individuals assigned to my case.

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 2015-12-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Dear XXXX, XXXX school : XXXX XXXX, XXXX, Montana ; XXXX XX/XX/XXXX XXXX XXXX : University of XXXX XXXX XXXX XXXX ; graduating XX/XX/XXXX Unfortunately, I received my XXXX private student loans through Wells Fargo. Post graduation, the multiple loans were consolidated into XXXX loan. I worked for a few years and was able to easily make payments. However, upon attending law school, Wells Fargo informed me I would not be able to defer my payments during school. Now, I pay over {$280.00} per month for my XXXX loans. These payments are crushing. To get by, I have been forced to use credit cards as I have n't enough money to pay for necessities. I use my federal student loans from law school to pay for the Wells Fargo student loan and now all of my additional credit cards. The money always runs out at the end of the year, and I end up racking up late payments galore. If student loans were dischargeable, I would have filed bankruptcy. If my parents had not have co-signed I probably would have quit paying them, becuase I simply can not do it anymore. 
I am in the top XXXX of my class and receive excellent grades. I have a job lined up for after school. I understand the nature of secured and unsecured transactions. I understand my contract obligations. However, before law school I was less savy. Had I known about the miserable circumstance I would be in now, I never would have consolidated my loans. I definitely would never have received a loan through Wells Fargo. Wells Fargo is 100 % unwilling to help. Their customer service representatives inform me that my type of loan is one of the only types that can not be deferred. This is predatory and unfair. This loan has ruined my life. I work 30 hours a week in addition to going to XXXX in order to make these payments. I am going to work 12 hours XX/XX/XXXX so that I can hopefully catch up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I took a XXXX-year fixed rate mortgage with Wells Fargo about XXXX years ago, and have made many payments in advance ( sometimes, upto XXXX years in advance ) of the due date since I wanted to pay off the loan faster. Wells Fargo has chosen to treat these considerable advance payments as if they were made on the due date, and is refusing to give me credit for the " unearned / unaccrued '' portion of the interest. WellsFargo seems to be charging me equivalent of a " pre-payment '' penalty, which is statutorily forbidden in my State. I found another error in their calculation XXXX how the payoff amount was being calculated ), and Wells Fargo fixed that portion earlier.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealer Services Auto Loan not my account. Appears on my credit report as Account # XXXX

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 2017-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Supposedly Bank of New York Mellon owns my home and mortgage, along with the deed. I would like to know when this transaction happened, along with proof of paperwork

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 2017-01-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Collection agency sent me a demand letter on XXXX XXXX, XXXX giving me 30 days to dispute. I notified them I had no knowledge of this bill with XXXX and that it was fraud. I contacted XXXX and they confirmed it was fraud. On XXXX XXXX, XXXX I sent the collection agency my police report, my proof of address when the outcome was opened, my ID card, and my notarized XXXX fraud affidavit. The collection agency notified me the same day that they would forward everything to XXXX to get resolved. At this point this item was not on my credit report. I never heard/received anything further from the collection agency. On XXXX XXXX, XXXX I pulled my credit just to check to make sure nothing was reported, however to my disbelief the collection agency was on there as of XXXX XXXX, XXXX. Not only did the collection agency never provide me with documents proving I owe the debt, but they also reported this negative item to my credit report prior to my 30 day dispute timeline. Not only that, but they also reported this to my credit even though they were aware this was fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
I 've been a cardholder since 2008 I have XXXX rushcards for different financial reasons due to past history of Identity theft. But now when it comes to me trying to use my card it has been and still is the worst nightmare ever. I normally have {$50.00} come or of my acct to put in my XXXX savings acct just to feel like I 'm apart of a bank, because rushcard is not accepted at most places ( prepaid ) and to now have to rely on this money to halfway get me by. I 've never experienced this yet with my card. I 've called numerous of occasions no response or i get placed on hold unknowingly if i do FINALLY get connected, or maybe even HUNGUP on after holding on for hours. Im still checking my mobile app and it 's still not allowing me to login, checking my online acct it may show that I 'm locked out invalid credentials ( user id/password ) or finally after answering numerous questions then it shows {$2.00} WTH.. I feel shameful to have to go to my mother for help with a XXXX old son who needs essential things that I ca n't afford right now or even borrow money from a payday loan to only not even be for sure if I would have the money to pay them back when it comes which is scheduled very soon. All these services fees are ridiculous, making XXXX be a fee free month is a SLAP IN THE FACE. Something needs to be done ASAP, this is unacceptable ... DO SOMETHING OR IM LEAVING RUSHCARD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NC

Complaint narrative:
rush card has failed to load a direct deposit loan from my XXXX. 
Issue has been ongoing about a week now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NV

Complaint narrative:
I have XXXX RushCards. I have not been able to access my money since Monday morning ( XXXX XXXX, 2015 ). Until 2 days ago, i was not able to log into my account. Online, XXXX card shows as " Pending Activation '' with a correct balance of {$600.00}. The XXXX card shows an incorrect balance {$0.00}. The balance changes constantly, but is never correct. On Wednesday, XXXX XXXX, I was able to speak to a RushCard representative. I stated my problem and was told a " form '' would be " escalated to a manager '' and my card would be fixed with XXXX hours. That has not been the case. I 've tried to call back, no less than, XXXX times. Each time, the call is dropped or hung up. Last night i was able to get past the initial ringing and was on hold for XXXX hours before i have up. I have over {$600.00} that i can not use. I have a paycheck direct deposit of over {$1200.00} coming this week and i 'm terrified that i wo n't be able to access it. 
Please Help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: NY

Complaint narrative:
I received a mail from National Recovery Agency ( NRA ) that claims I owe XXXX XXXX payments ( {$20.00} each ) on XXXX/XXXX/11 with total of {$61.00}. On top of these payments are the same on the same day from a utility company, the account listed does not belong to me. After the mail, I start to receive morning calls to my house every day from a woman claiming to be from NRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief