vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After making several requests for assistance, I was denied an application to save my home. Because my loan defaulted ( I was unemployed briefly, then accepted lower paying jobs, to be employed ), I was not allowed to make payments in order to keep the delinquency from growing. I requested a mediation from the courts and was granted a conciliation, which was just a meeting to discuss the options, to which I finally received an application. NOTHING was actually mediated. My application was denied due to FHA guidelines - there must be at least 24 months before I can receive a modification from the execution of the last XXXX. The last XXXX I received was prior to my losing my job. I requested multiple times forbearance to allow payments until the 24 month period expired and was denied, even though the Foreclosure was suspended, according to Wells Fargo. After contacting FHA/ HUD , I was advised that Wells Fargo can actually take over the loan and modify it. Wells Fargo also filed for summary of judgement. It is evident that Wells Fargo has no intention or desire to help homeowners keep their homes. I am not even requesting a lower payment, just a re age or something that will allow me to make payments again. I want to honor my debt and keep my home. I have worked incredibly hard to improve my financial status for a year now and that has happened, but Wells Fargo is clearly more interested in spending money on lawyers and foreclosures than helping borrowers in financial crisis.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Borrowed {$600.00} dollars from cash net usa. My understanding was I would make XXXX payments then I would be done. But, they are charging excessive fees and interest that equals {$610.00} XXXX of XXXX : {$600.00} Outstanding Balance :? {$610.00} Available Credit : {$100.00} Next Statement Close Date : XX/XX/XXXX Minimum Payment Due : {$180.00} Scheduled Payment Date : XX/XX/XXXX I have already made XXXX payments {$140.00} and {$220.00}. {$610.00} is excessive for borrowing {$600.00} dollars. How can this be legal? It is unfair treatment. I live on XXXX. and {$600.00} is almost the amount I receive every month. {$890.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Dealership Services ( whom I owe a debt to on a loan for my truck, and they communicated with my wife at our home # in which she told them I WAS OUT OF WORK and had no job ) ... .called : 1 ) My Home 2 ) My Cell # 3 ) The Dealership where i bought the truck 4 ) My ex-employer 5 ) My wife 's cell phone 6 ) My wife at her place of work 7 ) My wife 's mother who lives in another Town 8 ) My father who lives in another city ... ... ... ... .. 
... .and therefore told each and every entity listed that they were trying to COLLECT A DEBT from ME, and this is HARASSMENT!!! Either something had better be done about these practices, or I 'm going to file a lawsuit for harassment and defamation!!!!!!

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 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
There are several complaints in and for WELLS FARGO BANK NA but this takes the taco and is unreal to think it 's possible, Whereas Current documents forwarded to CFPB show that WELLS FARGO BANK NA allowed a Veteran and a Senior Citizen not only to be harassed but also tricked by unlawful means to conspire to steal XXXX XXXX Properties by Re- Financing all his land that had already been paid in full without his knowledge or consent and allowed another party/parties to chop up and sell after being notified of encroaching, vandalism and harassment to log illegally was written as a complaint to the companies involved including XXXX XXXX who to this day has XXXX XXXX ; XXXX as the Insured and owner of REAL PROPERTY including the ones XXXX is fighting for in Supreme Court XXXX , XXXX instead of XXXX , XXXX . were it was filed? 
Where WELLS FARGO BANK NA intentionally requested XXXX XXXX Give away his property and pay {$350.00} Knowing and Willingly XXXX XXXX refused to breach his contracts with the " COMPANIES '' mentioned above, so XXXX XXXX filed complaints with federal agencies only to be the PRIVATE LENDER to FRAUD and THEFT when documents show XXXX/XXXX/14 XXXX owner and XXXX XXXX leaser of property and WELLS FARGO BANK NA is notified and ends up allowing XXXX and XXXX XXXX XXXX to Continue the fraud deceit and forgery by way of forefeitures and illegal attacks trying to kill us, also not allowing Insurance company to compensate XXXX for Vandalism but XXXX XXXX and sons receive XXXX XXXX XXXX XXXX to even add Back DECK to home under XXXX XXXX VA XXXX XXXX as well? How is this legal? Leaving XXXX XXXX ; XXXX XXXX and his son XXXX homeless with excuses and burdens to bare. XXXX XXXX never even signed any papers as the primary and supposedly walked in and paid with cashiers " personal '' Check and paid this property off, on the other- hand statements from the Companies state illegal procedure by BANK AND TITLE COMPANIES to XXXX in fraud and forgery.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Over the past couple of years, Wells Fargo has charged my account numerous overdraft fees using the 'highest to lowest ' method of accounting. With my account not having a sizable financial cushion ( as my family live on limited means ), this practice has caused serious financial distress. Every now and again, they will refund a portion ; however, they are viewing this as 'giving ' me money back. The last set of overdraft fees was on XXXX/XXXX/2016 : a direct deposit was scheduled to go into my account, but some drafts we presented the same night. Per my online statement, the dates for the transactions were the same, but the deposit was accounted for LAST. The deposit was more than enough to cover the incoming drafts with a little to spare ; but because of the way the accounting was handled, they charged me {$140.00} in overdraft fees. Over the past 18 months, I have been charged over {$4200.00} in overdraft fees! Some of these fees include {$12.00} per transaction when money is transferred from a " Way To Save '' account that is linked as an overdraft account to my primary checking account. The purpose of this overdraft account is to prevent ... OVERDRAFTS! But yet, I have been charged {$12.00} per transaction to use this service! Unfortunately, the last time I called the customer service line at Wells Fargo, I was pleading with a CSR to see if anything could be done to reverse some of the recent fees. While I was mid sentence, he transferred me to another department, without saying a word, adding insult to injury!

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 2016-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I effected a transfer online of {$3500.00} from my checking to my savings account. Wells Fargo took the funds from my checking but did not place the funds in my savings. When I called customer NO service they said the transaction was pending subject to review and approval!! 
This is just another method of XXXX to steal funds from consumers. 
I transferred funds from my checking to savings. Wells Fargo took the Funds from my checking account but did not place the funds in my savings. When I called they said the transaction was " pending ''. 
So they keep my money and deny me use. If I did that it would be a thief ONLINE TRANSFER REF # XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
after researching my loan information I realized that I qualified for a change in the due date of my car loan. After making the change in my due date from XXXX XXXX to XXXX XXXX I subsequently made my payment. I received my next month 's statement and noted that I was charged a late fee. After speaking to Wells Fargo Dealership Services I was informed that the late fee would not be waived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrated Recovery Services
State: MD

Complaint narrative:
I received a call on XXXX/XXXX/15 from phone number ( XXXX ) XXXX I asked that they stop calling me. The caller calls back and threatens me on my voice mail message. the message says Hello XXXX this is XXXX XXXX, and I really don 't appreciate you hanging up on my representative here or myself. He then says your coffee pot better be set to XXXX sharp because you will be getting a phone call every single day. You are set here on my list for XXXX including your family, then I 'll contact your job verify employment and send paper work. The caller is calling from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was a victim of internet fraud. Instead of depositing a reimbursement for a legitimate outstanding debt the crooks funneled the complete value of the credit card associated with my checking account into my checking account, in XXXX installments, beginning with {$1400.00} that they showed to me as what they had deposited into my account. They screamed as they " realized '' they had overpaid me by {$1000.00}. I agreed to reimburse them the {$1000.00} by XXXX XXXX. Naturally there was a problem with the transfer and I had to do it twice more. They kept showing me the money was still in my checking. Only when all this was done did I check my account and found out what had happened. I immediately phoned Wells Fargo to let them know. 

After filing a claim with lengthy proceedings they bumped me up to a higherup who asked more thorough questions and had me verify that I had not initiated any of the XXXX transfers from the credit card. He sent me an affidavit of online fraud which I filled out and sent in. 

Wells Fargo weaseled out of both claims refusing to acknowledge that this actually was 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 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Greentree Mortgage Servicing, I originally had my mortgage with G.M.A.C. Greentree took it over and it 's been a nightmare ever since. I get behind and they wo n't accept my payments. Yesterday I tried for several hours and got stonewalled, insulted, treated horribly, they even threatened to liquidate my home out from under me. I also get ripped off by their {$12.00} speedpay to pay over the phone. I attempted to pay {$1100.00} that would be XXXX Mortgage payments and they flatly refused to accept it. Their word was unacceptable. They wanted {$1500.00}. I received a letter from them that stated they would accept that if paid in 30 days. I told them this on the phone and she /they said to bad we want more. I struggled to get that paid within the time allotted. They said they were their to help me which I knew was XXXX. They wanted a loan modification. Being as I 'm not stupid and they would screw me either way I sent a {$1100.00} to their South Dakota address after being told by another XXXX of their lying reps to send it to a XXXX address. I said to him that 's not going to happen and hung up. I sent the check to a post office box with a return receipt requested. The young lady at the post office stated they put a notice in their ( greentrees ) P.O. box and they have to sign for it right there. It cost me {$19.00} to do that. It would have cost {$45.00} to Fed Ex the check overnight. They will now have it on the XXXX which technically is past my 30 days to pay per the letter I received. I tried repeatedly to pay what they requested over the phone on the XXXX and they said too bad. That 's the way it is. The female actually said to me the first one to hang up loses. I put the phone down and walked away. I came back shortly just to find her still on the line. What kind of company are these people. I now threaten them in return. I totally understand why people snap. I want to go to a Greentree Building and do just that. The sleep I 've lost. The stress they have caused me and they do n't care. I 've had enough. Help! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
When I bought my house in XXXX my lender was XXXX XXXX for {$60000.00} before I made my first payment my mortgage was sold to XXXX XXXX XXXX .I never got a certificate of satisfaction from XXXX . After a few yrs. I found out that XXXX was purchased by Wells Fargo Bank I tried again to get a certificate from Wells Fargo with no response. That was in XX/XX/XXXX and again I 'm at their mercy because I tried to get a loan and because XXXX is still on my deed i was rejected. In XX/XX/XXXX I paid my house off The final lender was XXXX XXXX XXXX Now that I got no more mortgage payments I would like to get this issue resolved with XXXX to get my title cleared.

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 2015-09-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Due to internal system errors, Wells Fargo Mortgage Corporation has been wrongfully reported delinquencies on my mortgage account for the last XXXX months, even though our mortgage payments are paid automatically from our XXXX bank account for the last XXXX years, and we have never been late with our mortgage payments. We 've been contacting Wells Fargo 's customer service and they keep delaying the correction process because of their investigations of their internal issue. My credit report was perfect before this Wells Fargo 's errors, but the current bad credit reports resulting from this error has been preventing me from financing a new home or renting a house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Integrated Recovery Services
State: TX

Complaint narrative:
I 'm am receiving phone calls from Intergrated Services trying to collect a debt that my son owes, I explained to the person that he was calling my cell phone number and that I was n't the person he was trying to contact, he asked if I knew the person and I told him yes but we have n't spoken in about two years and that I did n't have any contact with my son, After the third phone call I requested that they no longer contact me about a debt that I did n't owe, His reply was that since I would n't give him any contact information I just became " XXXX XXXX and that I could pay my sons debt or continue receiving the phone calls '', I requested to speak to a supervisor and was told that " if you want to speak to a supervisor then I suggest you get out your credit card and start making payments '', I told him i considered this to be harassment and to stop calling me, his response was that " We ignore the word harassment '' He then asked " if my son was a XXXX and then asked why I did n't just tell everyone that he was '',

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I had a loan through Springleaf which was paid off XXXX XXXX/XXXX/XXXX. 
Despite my phone calls they continue to bill for this and add late charges and fees. I believe this is effecting my credit score negatively. I spoke to a representative named XXXX XXXX on XXXX/XXXX/XXXX who told me my balance would be set to zero. But I received another statement claiming I owe {$16.00}. Now I 'm trying to reach them by phone ( again ) but the phone system no longer lets you talk to a live person. 
I am writing a letter to Springleaf today, but without help I believe they will just ignore my requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
This account is not mine. I was a victim of identity theft. I submitted a police report and affidavit proving that I was a victim of identity theft. I have disputed this through the credit bureaus and it still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
Receiving up to five calls a day. Applying payments only to interest for several years, then transferred account to collections department, when I complained about that. Harassing conversations with branch until account transferred. Transferred account without notifying me first and changed account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
CashCall is an illegal payday loan. It is being sued in court. I am wondering should i still be repaying my loan if its illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
My name is XXXX XXXX. I took out a loan from Springleaf in XXXX, IL with good intentions to pay it back, but with an extended stay in the hospital ( 1 month ) I am now in a financial hardship so I am now having a company help me with all my debts ( National Debt Relief ) I got a packet from this company who is helping me and inside this packet is a letter that I can give to all my creditors to stop calling. I signed this letter and mailed it to Springleaf in XXXX, IL on XXXX XXXX, 2015 certified so I know they have it as it was signed for. Since XXXX XXXX, 2015 till today XXXX XXXX, 2015 I have received 31 calls. I have an attorney through XXXX XXXX XXXX but I wanted you to know as well about this company and what its doing. I have ask numerous times to please stop calling me after I wrote the letter but they have verbally threaten me with law suits or cursing me or even insulting me verbally. I really want this to stop!! Thank you so very much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bayside Capital Services, LLC
State: CA

Complaint narrative:
Debt unknown. I got a call from XXXX XXXX stating he had legal action against me. He stated they had " certified legal action '' to deliver to me. I called back and got and XXXX answered with only his name and Claims. I asked what company he was with and he stated Bayside Capital. I have never heard of this company and do not appreciate a company who has sent me no correspondence with me stating they will show up at my work or home.

Company response to consumer: Closed with explanation