vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
i received XXXX past due statements for loans in my name which i hadve never applied for/had no knowledge of -- from CashNetUSA. ( there are numerous online complaints about this company ). 

however i dont know if someone fraudulently opened a loan acct with cashnetusa, OR if the people at cashnetusa are fraudulently just trying to get me to give them money. 
my credit has been locked down for months and there is no record of this fraudulent loan on my credit report ( verified today ). 
XXXX notice last month was for {$990.00}. 
XXXX notice yesterday was for {$3800.00}. 
do I need to do anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
My husband passed away on XXXX XXXX, 2015. In XXXX of 2015, I contacted Navy Federal Credit Union to inform them of his death. He had a credit card with them. I asked what I should do about the account. They told me that since I was an Authorized User that I was responsible for the account and if I chose to keep the account open that I could. So, I chose to keep the account open. I have used the account for six months, and payed over {$20000.00} in balances. I have spoke to them on several occasions for the last six months when they froze the account, saying it was suspicious activity. I would call them, tell them yes that I made those charges and they would unfreeze the account. Never a word was mention to me about the account was going to be closed. I tried to use my card today and it was declined. When I got home from work, I called NFCU and asked them to unfreeze my account. It was at this time, I was told the account had been closed. I asked by whom, and they told me and I quote, " Well, there was someone else on this account ''. My reply was yes, my deceased husband. I was then informed because my husband had passed away, that because I was only an Authorized User, that I was not liable for this account. After being told that I was when I called and told them of my husband 's passing. They waited until I had paid the credit card down to almost nothing and with no notification or reasoning why, they closed the account. So, in other words, because I was only an Authorized User, they lied to me when I told them my husband had passed and told me I was liable, and after paying pretty much the entire balance off, they closed the account. My late husband and I have had this account for at least twenty three years. It was my only credit card. It was my emergency credit card. They should not be allowed to do this to people. They should have been upfront from the beginning and tell me, no I was n't liable for it. Instead they chose to lie and take over {$20000.00} XXXX that I could have desperately used somewhere else ) from a grieving widow. My husband served this country and I served this country, and this was completely wrong. Thank you in advance for any assistance that you can help me with this. They should n't be allowed to get away with this. i did what I thought I was supposed to do, but they lied and stole.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a customer at Navy Federal Credit Union and my account is locked out still to this day. As I spoke to someone at cfpb I was told to take a snap shot of proof that I am not able to gain access to the account. After hanging up with CFPB I was courious to see if my account was open for me to log on and it was not. I then took a snap shot as directed and will upload the picture. Before XX/XX/XXXX I spoke with a customer rep at the bank and made arrangements for XX/XX/XXXX and told them I was locked out of the account. After learning about the regulations on this I tried today XX/XX/2016 to gain entry to my account and still can not log in. Also I want to note they are making arrangements with me that are unreasonable and not obtainable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A complaint was filed with Wells Fargo regarding my daughter being associated with a credit card. Wells Fargo sent a letter to my daughter informing her of the deletion of the account and it being removed from her Credit File. I just recently discovered that during this process Wells Fargo changed the account number and then associated my name with my daughter 's Social Security Number. Also the letter referenced above and attached states remove the account ending in XXXX but my daughter and the credit bureau did not receive a letter to remove the newly created account number. The account that belongs to me was removed from my credit file and remained on my daughter 's credit file. This is causing a major problem because she was in the process of applying for a mortgage. So I am dealing with Wells Fargo associating my name with my daughter 's Social Security Number and I am getting pushed around from department to department, customer service reps in call centers that just read notes. Switching Social Security numbers is a serious issue that is now affecting us both. I am asking for Wells Fargo to first correct the social security number problem that was created by them ; get the account back in my social security number and have the credit bureau remove my daughter 's name from everything associated with this account which is what Wells Fargo said they would do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Hello XXXX XXXX XXXX, I had previouslyu written you a letter and sent it to you on XXXX XXXX, 2016 regarding my deceased mother in laws ' estate and her relationship with Citizens Bank in XXXX Rhode Island. My husband XXXX is XXXX XXXX 's stepson ( deceased in XXXX 2016 ). 




My husband XXXX XXXX was named Temporary Custodian for the Estate of XXXX and the Probate Court in XXXX Rhode Island where this case is still open. 




When my husband requested information regarding the accounts of XXXX XXXX in XXXX 2016 he was told that XXXX did not have a safe deposit box at the bank. He asked the bank manager named XXXX on several occasions and the answer was always " No ''. 




On XXXX XXXX, 2016 we received a bill in the mail for the safe deposit box account for XXXX. This was the account that Citizens Bank told us never existed. 




Furthermore, on XXXX XXXX, 2016, XXXX and I visited Citizens Bank XXXX branch. We spoke to another manager named XXXX who told us he had to check with the legal department before granting us the contents of the safe deposit box. 




On XXXX XXXX, when speaking again with XXXX, a manager at Citizens, we were told that the contents of the safe deposit box were taken by a person named XXXX XXXX. XXXX XXXX we have learned through much research, has hijacked all of XXXX 's Citizens bank and brokerage accounts which were very substantial. This also includes many annunity transactions all done through Citizens Bank. 




XXXX XXXX was illegally granted the contents of the safe deposit box. Citizens Bank told her to return the contents to the bank and then my husband and I were allowed to pick up whatever she " decided '' to return. 




The fact that someone with no legal documents was allowed to gain access to the safe deposit box is appalling. The fact is your bank lied to us and kept the information regarding the safe deposit box part of a cover up. 




It is with great regret that I must inform again of this error that Citizens Bank has done. The returned safe deposit box contents had several missing documents, CD '' s and the Will with our names on it, missing. Not to mention the jewelry and irreplaceable documents we will never find. 




I find your bank to be irresponsible and determined to cover this matter up. I would like to hear back from you as soon as possible to settle these shameful acts on the part of Citizens Bank. I am going to pursue this matter until I make Citizens Bank pay for what they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My bank, Wells Fargo, made an unauthorized withdrawal from my checking account, in the amount of {$1500.00}, on XXXX/XXXX/2016

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 2016-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We have been trying to do a short sell on our home since 2014. We have actually had XXXX offers on the place, but Wells Fargo continues to deny the offers. They have transferred us to different preservation specialist and short sale primary points of contacts several times to no avail. We 've even had our relators call and they 've been given false information. They say one thing and do another. They do n't return phone calls or send out proper documents when stating they would mail things out. I 've asked to speak with a manager several times and the mangers have promised to do an investigation, and still nothing is done. Managers do n't even return phone calls. I am completely fed up with the type of customer service we have received and will never do business or recommend anyone I know to do business with Wells Frgo.

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 2015-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband and I purchased a used a VA loan for a purchase and closed escrow on XXXX XXXX, 2015. We have received countless letters stating we are eligible for a VA IRRRL loan. At first, I threw a few letters away, but after the fourth or fifth, I called a family member, who happens to be our lender. I know what happens to the original lender when someone refinances within six months of a purchase or a refinance. I now have XXXX letters that I 've kept, describing the VA IRRRL loan. One of the larger lenders has sent one twice, the dates on each notice only being seven days apart. 

I can not believe how shady these companies are, especially targeting XXXX XXXX service members and veterans. I feel bad for people who have been deceived and swindled by dishonest lenders, trying to make a quick buck, and therefore, costing the original lender thousands of dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NJ

Complaint narrative:
i had received a loan from atlantic bay mortgage. in the very beginning i signed a disclosure being approved for a loan of XXXX and they also sent me a estimate a week later. all full well knowing how many houses i had and how much rent i collect on each one. so it was so posed to be only XXXX % down on an investment loan. as what the disclosures i signed showed. then came the closing and they changed it up on me with out giving me 3 days of notice and no new disclosures to sign as the new law states. i had to call to find out why i had to come up with so much more money in the very end. thats when he told me XXXX XXXX requires XXXX % down since i have so many # of houses.which changed the loan amount to XXXX. i said you never told me, then he said. " oh i never told you? thats my bad! '' i asked if they could change it back to XXXX % down being that they never told me until i had to call them up wondering what the change was. even knowing they threw me a curve ball with out any notice at all, he and his boss said there was nothing they can do about it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
Since XXXX 2015 I have paid {$620.00} in interest and {$230.00} in fees on a {$1000.00} loan. My balance two weeks ago was {$700.00} something and today it is over {$900.00}. My payments come directly out of my checking account. This is absurd. What can I do?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Mortgage has stolen my XXXX XXXX Certificate of Eligibility as it pertains to me and home Mortgage Guarantee. I am XXXX XXXX XXXX, XXXX XXXX XXXX Retired. I had a home that I allowed for assumption ( XXXX XXXX XXXX XXXX in 2011, and When I tranfered ownership, I did not realize at the time of the transfer of ownership, that I would loose my earned XXXX Home Guarantee. The mortgage officer that had me sign the many documents from Wells Fargo Mortgage for the Assumption of the Loan for the mortgage at XXXX XXXX XXXX XXXX SC XXXX to XXXX and XXXX XXXX, failed to make sure that I understood that this was forever as long as they had the loan. I have recently tried to dispute Wells Fargo claim to my Benefit to which I have bled and served this nation for ... But the XXXX system forced me to arbitrate with Wells Fargo before they would list a complaint. And as expected after a month of delay, Wells Fargo ruled in favor of themselves. Now I am unable to use my full benefit to secure myself and family for a better home that can accommodate my XXXX needs. Wells Fargo has ripped me off.. And Wells Fargo does n't seem to think they are culpable in the deception and confusion their whole process endeared. I am of the belief now, that Many Veterans have been slipshod by the word " assumption '', as applied by The XXXX and Wells Fargo. This relationship between the XXXX XXXX Mortgage Office and Wells Fargo is a trap for Veterans and has been used to strip benefits from deserving Veterans. It is not as if I did not fight, bleed, and shed my tears for our country and I lost brothers in battle, so I know the pain. But having to realize that the Big Company. Wells Fargo and the XXXX Home Mortgage Guarantee people resort to tactics that can only be described of as " usury '' makes me think I am just a mark to these scoundrels that are untouchable ... ..How many Assumptions I wonder, are listed in the XXXX Mortgage guarantee system. How many Veterans have suffered needlessly because of the greed of Wells Fargo

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 2017-02-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
The loan company keep increasing my loan limits without informing me. I found out that my monthy increases when they increase the limit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Our complaint is that Wells Fargo did XXXX appraisals of our home, but have only shown us the second appraisal. We believe that the first appraisal reflects the true market value of our home. And, the second appraisal was used to support their inflated counter offer. Wells Fargo claims they can not find the first appraisal, even though this first appraisal was done at approx. XXXX on XXXX XXXX, 2015, by an XXXX named XXXX, who was hired by Wells Fargo. We find it highly unusual that they are unable to locate the first appraisal done XXXX/XXXX/15, and are only able to locate & share with us the second ( inflated ) appraisal done XXXX/XXXX/15. 
Here is the timeline : In XXXX of 2015, we made a request to Wells Fargo ( WF ) to do a short sale. 
XXXX XXXX, 2015-WF requested to schedule an appraisal of our house ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - XXXX did an onsite appraisal for WF at our house. Our agent XXXX was there with him ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - We submitted a $ XXXX cash offer to WFAfter WF saw this $ XXXX cash offer, they ordered a second appraisal of our home. 
XXXX XXXX, 2015 - WF did a second appraisal of our homeThis second appraisal produced a home value of $ XXXX believe this value to be significantly higher than the true value of our home. 
XXXX XXXX, 2015 - WF denied the approval of the $ XXXX cash offer & countered at $ XXXX this counter offer was made, the buyers pulled out of the transaction. 
We have requested to see all appraisals done by WFWF gave us a copy of the second appraisal only, of $ XXXX ( which was done after they saw the $ XXXX cash offer ). 
WF can not locate the first appraisal. 
We believe that WF is using the second appraisal to support both their denial of the $ XXXX cash offer & their counter offer of $ XXXX believe the first appraisal would be significantly lower than $ XXXX, and more accurate for the true value of our home. And, therefore, we would have multiple offers to submit as adequate back-up offers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was left a voice message on XXXX/XXXX/2016 stating that I had a court summons against me and that I was in danger of missing my court date. The message did not identify the person calling but said she was calling from XXXX and that the issuer was XXXX XXXX XXXX. 
I called back and was greeted by a man with the word, " Litigation. '' -as if his department was the " litigation '' department. He identified himself by name and said he represented XXXX XXXX. He told me that several warrants and court summons had been sent to me by mail and that I was being sued, that there were allegations against me including " fraudulent abuse of contract. '' He read an old credit card account number to me and said that I owed over {$1600.00} on said account, that plus the pending court judgement could cost me " up to {$4000.00}. '' I had a record of my debt and the last amount I had recorded on this account was about {$500.00}, not the amount this person was reporting. I told the man that I had not received any court summons in the mail and he acted suprised and said he " would be delivering the summons to me in person tomorrow '' and that I would have to appear in court. I began to feel suspicious at this point. 
He asked me if I was willing to settle this debt today for {$900.00} and I said yes, but I still felt suspicious so I told him I would have to call him back.

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 2016-02-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo called my number asking for payment of a vehicle loan that my ex-wife has posession of through our divorce. She is there months behind and I am cosigner, unfortunately she has legal rights to the car and since I am only cosigner I have none but resposible for the debt even though she has posession of the car. Wells Fargo has threaten to call my chain of command as I am in the military and not just my immediate but they ask for the commanding General number which is way above who they need to call. This could cause serious issues and possible separation at 18 years of service for something out of my controll.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I need assistance in obtaining a HAMP modification through my bank Wellsfargo. I am currently 30days behind in my mortgage. I reached out Wellsfargo and requested a loan modification back in XX/XX/XXXX. They stated I was denied for the loan modification due to my income. When I purchased my home back in XXXX I was working for a facility called XXXX in NJ. I was making XXXX per hr. The facility I work for was bought out by XXXX due to the buy out they laid off all the XXXX employees. I was laid off for 1 yr. I was not able to find work so I went back to XXXX XXXX and they rehired me at XXXX per hr. Recently I received a raise to XXXX per hr. I did receive assistance thorugh a state program XXXX. They paid my mortgage for 2 yrs. As of XXXX I took over the payments of my mortgage and been struggling to pay the current monthly payment of XXXX. I reached out to Wellsfargo for a loan modification and sent in all my information and received a denial. I understand that there is a program out there call HAMP that I would like to be considered for and I do not believe that Wellsfargo ever placed me into. I need your assistance in getting Wellsfargo to assist me in obtaining a loan modification under the HAMP assistance program. I am only 30 days benind in my mortgage payments and Wellsfargo has thrented me with forclosure proceedings if I do not become current in my mortgage.

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