vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Machol & Johannes, LLC
State: MT

Complaint narrative:
Colorado XXXX XXXX XXXX requested a garnishment judgement on a time-barred debt. The credit card debt is from XX/XX/XXXX they filed a law suit for garnishment of my wages on XX/XX/XXXX past the statue of limitations of 10 years. I contacted the General Sessions Court-Civil Division in the State of XXXX. They indicated that the Law offices representing XXXX XXXX did not request an extension on the Judgment therefore they did not have grounds to file a judgment for garnishment.The original judgement was in the State of Tn they requested a foreign judgment in XXXX State. I was never notified of this law suit so that I could file an objection. The notice that they sent was sent to an address in XXXX State I did not and do not live there. I was never served so that I could appear in court. They received a default judgement for a debt that was too old to collect on. I do not believe this debt is mine so I contacted the Law offices to get validation of the debt on XXXX I still have not received debt validation. I believe this was a case of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Western Union refuses to refund the {$500.00} I sent on XXXX XXXX, 2016. Ive already sent a letter explaining the reasons. 
I wrote the name of the person to whom I was sending the money incorrectlythat was it. They say that they have the money under investigation. 
I pay all of my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
My name is XXXX XXXX ; in XXXX my husband acquired a loan from XXXX.using multiple properties XXXX as collateral. He passed away in XXXX with no insurance on a debt of XXXX. XXXX XXXX changed to XXXX XXXX XXXX XXXX XXXX acquired the loan. XXXX Bayview Loan Servicer took the loan with no record of all pieces of property only XXXX piece. My problem is who the holder of the other property and where is the tax escrow that I paid to XXXX and XXXX because my local tax office is threatening foreclosure for nonpayment of taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE
State: DC

Complaint narrative:
I opened a Charles Schwab checking account. Charles Schwab requires you to open an individual brokerage account alongside the checking account. I opted out of overdraft protection and margin ( i.e., there was no loan application ). I completed the application process and discovered the next day that Charles Schwab had made a hard credit inquiry on my credit history. 

Firstly, I can not find where in the application I consented to a hard credit inquiry. I called Charles Schwab and none of their reps can point me to where in the application process the account-holder consents to a credit pull. If it 's in the application, it 's hidden somewhere to be intentionally deceptive to the account-holder. 

Secondly, I asked Charles Schwab why they pulled my credit. I received conflicting information. One rep told me that it is SEC regulation for all brokerage accounts. This is not true. A second told me that it 's Charles Schwab policy to avoid doing business with consumers with many bounced checks. This does not require a hard credit inquiry to determine. Either way, nowhere in the application process is the account-holder specifically asked to consent to this credit pull. 

The reasons that this is a major concern is because : ( 1 ) it raises significant privacy concerns when a company deceptively pulls significant credit history on its clients for unknown purposes ( marketing? ), ( 2 ) it is unethical and deceptive to pull clients ' credit history without clearly and directly asking for their consent, and ( 3 ) clients concurrently applying for a mortgage or any type of loan can have their mortgage/loan delayed or disapproved because of Charles Schwab 's deceptive practice of carrying out a hard credit inquiry. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BYL Collection Services
State: DE

Complaint narrative:
XXXX XXXX XXXX pa, XXXX XXXX Account # XXXX no contract or no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I called inquiring about service. Thought I was going to go with you. a few hours later I decided not too. You billed me today for services I do n't have .... {$73.00}

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 2017-01-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was enrolled in credit defense at Wells Fargo and i never signed up for it. I was charged XXXX since XXXX XXXX I think. I am only able to access my credit card statements for XXXX and XXXX and i added those charges to be XXXX. I then called Wells Fargo and they told me i was charged the {$1100.00} I have requested them send me that information so i have it and also i have requested all my credit card statements to be mailed to me but it will take XXXX7 business days. I have filled a complainant with wells fargo but they said they will get back to me in writing in the next 10 days and i do not believe them.

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 2016-07-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX is reporting me 30 days late for XXXX XXXX. This information is inaccurate as I have never made a late payment since acquiring the loan in XXXX XXXX. My bank records show that payments were drafted twice in XXXX XXXX. Additionally, I made an online payment on XXXX XXXX, XXXX. Two payments were drafted on my account in XXXX XXXX. I called Wells Fargo Dealer services and they are only reflecting payment drafts on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This information is inaccurate and my account should reflect current and one month ahead.

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 2017-01-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
DISCRIMINATION ON THE BASIS OF MY XXXX. THEY ARE ALSO REFUSING TO GIVE ME EQUAL SERVICE TO ME ON THE BASIS OF MY XXXX. I DO NOT KNOW WHAT IS WRONG WITH THE XXXX PEOPLE AT THIS CREDIT UNION. THEY ARE XXXX AND XXXX. IM NOT RECEIVING EQUAL SERVICE ARE EQUAL PROTECTION. I CAN NOT RECEIVE ANY HELP OVER THE PHONE AND WAS BANNED. THEY AFTER FIVE YEARS HAVE A SECURITY NOTICE ABOUT MY SOFT VOICE CALLING ME XXXX. BUT COULD NOT DO THIS PRIOR AND LOCKED MY ACCOUNT SEVERALTIMES. I WAS STRANDED ON VACATION AND ALL MY CREDIT CARDS AND CHECKING WERE FROZEN.THEY CAN DO THIS BUT NOT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
For the last 6 months have called 3 times a day Monday -Friday. When I do answer they fail to answer, and when they do they have incorrect info. Refuse to let me speak to an XXXX speaking manager.

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 2015-09-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had a HAMP loan modification through Wells Fargo and they have not performed paying XXXX borrower 's incentives for on time payment as noted .... 
Borrowers who make timely payments on their modified XXXX lien and the modified payment resulted in at least a six percent reduction from the monthly mortgage payment used to determine eligibility will receive a " Pay for Performance '' incentive in the form of a principal reduction of up to {$1000.00} per year for five years. This incentives accrue monthly at {$83.00} toward principal. 
Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XXXX XXXX, 2016 I made a wire transfer from my XXXX account to an XXXX XXXX XXXX named XXXX. On the same day, I received a Wire Transfer and Receipt and a Confirmation number. The next morning, with no explanation given, I received an e-mail notifying me that " Your Wire Transfer transaction has been canceled ''. Moreover, I have ben denied access to my online accounts and the use of my debit card. It seems that I have become a security risk!!! I spent hours upon hours on numerous phone calls, but the bank insists that I present myself in person at a Wells Fargo branch, a thing I can not do since I reside in XXXX. I am forced to take loans in XXXX to pay debts, while my money in XXXX bank accounts is unreachable. I am XXXX years old and can not bare the stain. 
The above is unheard of and simply outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA

Complaint narrative:
I have a home mortgage through Franklin American Mortgage Company in which automatic payments were set up. Each month I would receive a statement that the payment was accepted. My last payment was XXXX/XXXX/16. On XXXX/XXXX/16 the next payment was due but was not drafted from my account. When I noticed the mortgage amount was not completed, I logged into Franklin American Mortgage and my balance was {$0.00}. I was never notified of any changes. When I called Franklin American Mortgage, the automated telephone just told my that my loan had been transferred and hung up. I am trying to pay my mortgage and do not know where my mortgage was transferred to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My father has been in the hospital since XXXX XXXX XXXX unable to handle his finances. We called XXXX XXXX to gain access to his accounts with the Power Of Attorney papers which they would not accept over the phone. They required us to bring it and us to a bank branch with a notary in house. The closest one was 4 hours away so we left work midday on XX/XX/XXXX16 and after 4 hours we supposedly left there with the ability to log into www.wellsfargo.com and create a user name and password to handle my fathers accounts. Except the credit card they sent the paperwork to that department and said that it could take up to 4 weeks before we can access it. We drive 5 hours home ( rush hour traffic in XXXX ) and upon trying to do as instructed it said that it could n't find my information to call an XXXX number so I call and the woman says that I need a reference number repeatedly and something about the account being locked. Monday XXXX/XXXX/16 I call as soon as the branch opens and ca n't get XXXX but XXXX says that we have to be there in person with our ID for the online people to unlock the account. You have to be kidding right? I call back and he says that he will see what he can do. Hours later I call and get him again and he says that every time he tries to call he gets interrupted and just after talking to him XXXX calls and she says that she will check on this and call me back. Here it is after XXXX here in XXXX and still no access. After we got home also I called to check on my father and he is getting worse and may not be here much longer. If I spent the last weekend of my fathers life playing games with Wells Fargo instead of seeing him this is sad and pitiful what they do to 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 2016-08-25 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
This account is a fraudulent account. It has n't been removed/deleted from my XXXX Credit Report, however, it is still showing up on my XXXX report. I am an ID Theft Victim. I have made every attempt possible to communicate with these people about getting this resolved, and it was n't resolved on my XXXX Report, the other XXXX, XXXX still has it on their end, the amount is for {$230.00}. XXXX, I am not sure if is on there or not. I have access to only XXXX of my credit reports. I also explained to this debt collection agency that I have done everything possible to get this resolved, meaning file a Police Report, etc. The police where I live do not care about stuff like this, and they would n't file any type of report. They just do n't listen!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
Navy federal credit union froze my check8ng account on mpre than 3 occasions. They locked me out of my checking account amd saving account due to not repayment of a loan on time.it acused me to change my direct deposit of my pay check to another financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I was a personal assistant to XXXX. XXXX had a checking account with Wells Fargo. He and I went to a Wells Fargo branch and opened a bill payment account attached to his checking account for me to pay bills. At that time, the banker asked if we wanted a credit card attached to this account. XXXX said yes. When the first bill was received, I became aware that the credit card was issued in my name only. XXXX was not on it anywhere. He had charged on the account. Now I do n't work for him and I am stuck with the bill. He has no access to it or does not receive billings. I have tried to straighten this out with Wells Fargo with no luck. They say that I can report XXXX for fraud for charging on my credit card. He did not fraudulently charge on the card. We both thought it was his with me as being able to use it. Not until we received the first bill did we realize what she did. I no longer work for XXXX and I am stuck with this credit card bill that is n't my charge. Wells Fargo opened this account in my name only without my knowledge. They are the ones that committed fraud.

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 2017-03-13 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Called my parents phone and discussed my debt with them. I had n't lived at my parent 's house in 20 years

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 2015-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The following complaint arises from a Debt Collector impersonating a creditor by steeping in the creditors shoes to do a foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had deposited a check on XXXX XXXX 2014 via mobile deposit for {$350.00}. On XXXX XXXX, {$350.00} was taken out of my account as a credit adjustment and when I contacted Wells Fargo they informed me that I had made a duplicate deposit of the same item on XXXX XXXX. but I never made that XXXX deposit. I went to a Wells Fargo branch and after sitting there for hours trying to figure out where they were seeing this duplicate deposit, they informed me the check had been deposited into her wells fargo account. I filed a fraud claim right away and went down to the police department and file the police report because somehow this woman had stolen the check and which I did not endorse the back of it. therefore Wells Fargo had accepted a non endorse third party check to be deposited which is against their policy so for Wells Fargo to cover their mistake of negotiating the duplicate item, they withdrew the money from my account to pay this woman. it has been a month and a half and they still have not refunded me {$350.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I have notified Wells Fargo New Mexico, N.A. in writing three times that the replacement chip credit card it sent me was never received. I did not request the card, but WF will not take action to replace the missing card without forcing me to endure endless telephone conversations followed by sales pitches I do not have time for. 

I have spent time on the phone with WF verifying my identity and correctly answering security questions, but WF still will not 1 ) acknowledge my report of the missing card ; and 2 ) commit to replacing the card without requiring me to endure more endless telephone calls and sales pitches. 

Please instruct Wells Fargo to send a new card and stop requiring me to use antiquated, inefficient voice telephone systems to resolve a problem which I did not cause. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal will not let me use or close my savings account with them. I 've spoken to them in branches and on the telephone. They say it is against policy to close savings accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I took out a personal loan with Wells Fargo Bank using a cash savings acct. as collateral. I have had nothing but problems with WF in several of my XXXX accounts with them to the point of ready to close all of them. I went to pay off the personal loan today and encountered MULTIPLE problems from the teller all the way to their corporate HQ. From the SENIOR teller not being able to give me a payoff amount but taking what showed as balance to directing me to call a call center then refering me to a personal banker who could not help either which had to call a loan officer to figure out how to get a payoff so I had to pay a XXXX check after being told I paid off the loan snd then when I inquired as to when my savings acct which was the collateral was going to be released so I could remove my $ XXXX from it, I was told it would not be available for 10 business days. The loan was paid off in cash and when I made individual payments that amount was not released but rather they continue to hold the entire amount of the initial loan amount even though the loan was paid down XXXX. There is no reason a bank as big as WF should be allowed to keep me from my money for an additional 10 days AFTER I pay the loan off in cash. They have no more worry or chance of loss with the loan paid but yet they claim it takes 10 days to release the money even with the loan paid. I can understand if the loan was backed with a car or house or something with a title to release etc but this was cash. They pay only .01 % interest so it keeps me from immediately moving my money so they can continue to use it practically free of charge when they now have no legal claim over it. This should be against the law when cash is repaid in cash and not requiring a title be returned or any other paperwork. WF is quick to charge and collect fees from customers for their benefit but when a consumer has paid what is owed to them, they should not be allowed to continue to hold the consumer 's money for ten days which I was told was business days so why do they need to keep cash collateral for basically two calendar weeks?

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