vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$XXXX}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. Please help.

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
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have been trying to get a mortgage modification from Wells Fargo for nearly five years. Recently they came up with an offer of {$960.00} per month over 281 months at an interest rate of 3.75 %. My previous payment was {$910.00} per month. If I can not afford {$910.00} per month what makes Wells Fargo think I can afford {$960.00}? I feel that Wells Fargo has NOT done everything possible to get me a lower monthly payment. There are several solutions I have been able to figure out, what ca n't Wells Fargo? About 6 months ago Wells Fargo made a big deal in the news media about giving a new home to a veteran for free. Now they are trying to make another veteran homeless. I am not asking for a free home, just an affordable one. All that good will that free home got wells fargo could be wiped out with the news story of wells fargo swindling another veteran out of their home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells FargoMy husband is POA for his father who is in a rehab center and is XXXX. He had 3 CD 's due in the month of XXXX which we did not want renewed which where set up for auto renewal. 

XXXX XXXX or XXXX went to the branch and told them we did not want the auto renewal on them. Was told could not do that to the grace period which would start XXXX XXXX and XXXX XXXX. 
Not living in XXXX we returned home to XXXX 
XXXX XXXX call the number of the CD renewal and was told them not to renew. Was told it would be deposited into savings. Why it could not be just changed but waited. 
XXXX XXXX call branch bank and asked why not into savings. Told it takes 3 business days. 
XXXX XXXX called the number on the CD was told it was in process and would show up by Friday XXXX XXXX. 
XXXX XXXX called still not into savings. There shows nothing to stop renewing. Spoke to supervisor and said she will take care of it Monday. XXXX XXXX and call to confirm. 
Monday no call. Cal again on XXXX XXXX and another person would take care of it. But it takes XXXX business days. Well of the 3 CD 's only XXXX were done correctly. Again time on the phone and now with holiday maybe XXXX. 
No one should be put this this incompetent bank routine of infuriating customers and denying them there own money. 

This is {$150000.00} why should someone need to wait to get there own money and the process of stopping the renewal could not be done at anytime. Poor service and customer service. Incompetent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCSPLUS INCORPORATED
State: OH

Complaint narrative:
denied credit pulled report and found this collection, i had no prior knowledge and was not given a chance to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I had a payment for a loan with Net Credit due on XXXX XXXX, 2015. I called to pay off the entire balance of the loan but had to use a different checking account than the one I was using for the loan. The representative for Net Credit advised I would need to mail a check from the different bank account in and it would need to be processed for me to use a that different account. I then asked if I could pay with a debit or credit card and the representative advised I could. I told the representative I would call back on XXXX XXXX and pay off the loan with a debit card because it would be quicker than going through the process of paying with a check. The representative advised that she would make a note that I would call back and pay off my account on the XXXX. She told me the amount would be {$3900.00}. 
I called today, XXXX XXXX, to pay off the loan. I was told the balance was {$4100.00}. I was told the account accrued interest since XXXX XXXX. I advised the representative I called on the XXXX and attempted to pay off the debt with a check and was told I had to mail in a check and the check would be processed. I told the representative that I was advised to call back because paying with a different check would take longer than paying with a debit card and I was not told interest would accrue on the account in the meantime. The representative told me that it is a contractual agreement that interest is accrued when payment is not made. I told the representative, and the manager, I attempted to pay the debt on XXXX XXXX with a check and that the time it takes them to process a check it not my responsibility. They accept checks as a payment option, the representative on the XXXX advised me otherwise, and I should not be charged interest when I attempted to pay the debt on the XXXX. 
XXXX, the manager, then told me I also stated I would pay off the balance on XXXX XXXX. I asked XXXX if the interest I was being charged since XXXX XXXX or for me being one day late from the day I stated I would call back to pay the balance in full? XXXX advised the interest was from XXXX XXXX to today. I told XXXX multiple times that I should not be held responsible to pay interest when I attempted to pay the debt on XXXX XXXX but I was still charged the extra {$170.00}. If needed, I did record the conversation and can provide a copy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
A number of Wells Fargo bank accounts and other WF products were opened by XXXX XXXX and other Wells Fargo employees at multiple Wells Fargo locations without my consent. I want a full investigation as to determine how many accounts were opened, including all Wells Fargo products, why and how did this happen. I want the money returned that moved through these accounts and all WF Fees creditied. I also need an identity theft letter from Wells Fargo and compensation for costs incurred as a result of WF staff using my name and identiy to open accounts. I want a full investigation please.

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 non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Because our business transitioned from a XXXX to an LLC, I had closed a credit card account with Wells Fargo for our business which still had a balance owed on it. I set up auto payments and overpaid the bill by {$1600.00} mistake. Since XXXX 2016, I have been trying to get the money back from Wells Fargo into my bank account. It has been a series of misguided directions, XXXX checks that were sent have not been received because they mailed to the wrong address. I finally received XXXX check this week ( XXXX XXXX ), that I tried to deposit only to find out that Wells Fargo put a stop payment on it. I have completed every direction they have given me and yet I still have not received the Money that they owe me. This whole experience has been incredibly difficult. It appears to me that Wells Fargo is deliberately misprocessing and delaying the return of funds that are rightfully ours.

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 non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I applied for a loan with Cash Net USA last month when I desperately needed some cash to keep me and my family from being evicted from our home in XXXX, VA. I was desperate at the time and admittedly I did n't read the " fine print '' in the loan documents. 
Cash Net needed my routing number and account number in order to deposit the money in my account. The loan was for {$1000.00}. 
But as it turns out, aside from using the information only to deposit the funds into my account, they also use the information to draft my account without setting up an autodraft with my lending institution. 
Once I realized the ramifications of my actions, I read the " fine print. '' As it turns out, I am being charged a fee of {$150.00} for administrative charges. They are also charging 300 % APR. 
As is the case with desperate people such as myself, my family 's welfare is more important to me than being shaken down by legal loansharking. 
I have the emails sent to me from Cash Net verifying the above information. 
They will draft over {$200.00} from my account ( currently overdrawn ) for the first of 12 installment payments on XXXX causing additional fees and charges. 
I am doing the best I can to get back on my feet, but am unable to right now as I am currently XXXX at the VA hospital in XXXX, VA. I am working through some combat-related, service-connected issues. While the additional stress is challenging my recovery, I realize that is not your problem. 
Is it legal to draft someone 's checking account without the account holder setting up their autodraft at their lending institution? 
How is charging 300 % legal anyway? 
How is this not considered to be predatory lending? 
As I stated earlier I can forward the information I received from Cash Net, but am unable to do so on this platform. 
Please advise me on what I may be able to do to resolve this situation. 
Thank you in advance for your time and consideration, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
I recently paid off a mortgage loan at AmeriHome Mortgage Company , LLC, XXXX, NJ XXXX. Within a day or two after the loan was paid off, online access to our records was abruptly cut off. I am now unable to see my last payment how it was applied to my loan. I am also unable to see a transaction history of deposits and payouts to and from my escrow account. I have not received any explanation or itemization for a refund check that we received in the mail. This is a rude and abusive way to treat a borrower. I need this information to balance my records and compute my taxes. I do n't think it is fair to ask me to lick a stamp or pick up a phone to get access to obtain MY information.

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 2016-05-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I submitted a complaint which was decided in my favor. In that complaint, I requested that Wells Fargo Mortgage not require payment of deferred property tax. Wells Fargo has notified me that they will foreclose on my home if the taxes are not paid by XX/XX/2016. I called CFPB and requested a copy of previous complaint be email to me. Though the email was sent twice no complaint number was on it.

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 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I recently adjusted my homeowners and flood insurance coverages as the home that was previously my residence is now a rental. In both instances ( homeowner and flood ) the coverage is more than sufficient to pay off the lender. I received a letter from my lender ( Wells Fargo ) stating that I have 45 days to increase my flood coverage to replacement value of the property ( roughly double the amount of the outstanding balance on the loan. 
They state that this is their policy, and while I can not locate my original loan documents, Wells Fargo purchased this loan and I do not remember that requirement of replacement value in the loan documents that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have a lot of experience with promotional interest rates and leverage these when possible. Wells Fargo 's credit card statement is extremely confusing and it was unclear how much needed to be paid and when to avoid interest rate. I had XXXX different promotional balances and the " warning '' that XXXX were expiring is on page XXXX within XXXX of XXXX boxes of information in regular font and very easily missed. As soon as I noticed I was incurring interest, I called. Even with the bills in front of me and them walking me through each piece, it is confusing when you have multiple promotions. There should be something on page XXXX near where your payment information is to highlight what is needed - full payment of the promotional amounts PLUS the minimum payment. I asked for consideration for the interest that was accrued in the 45 days it took me to notice this error and was not accommodated. I have exceptional credit and this credit card and a mortgage with Wells Fargo. I have never been this confused by promotional periods and have personal policy not to incur interest outside my mortgage. It feels like Wells Fargo does this intentionally to trip up customers and get the interest payments.

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 2016-06-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was granted {$50000.00} from the State of NJ Home Keeper program XX/XX/XXXX. The intent of this grant is to apply the {$50000.00} to your Loan principal to lower you monthly mortgage payment and help keep you in your home. Both my husband and I are XXXX and on XXXX. The bank Wells Fargo was sent the {$50000.00} back on XXXX XXXX, 2016. The bank sent me a letter for me to sign and send back to get the {$50000.00}. However the letter stated the following on how they were applying the {$50000.00}, {$470.00} for payment of principal ad escrow for XXXX XXXX and XXXX XXXX. 
( I already made my XXXX XXXX mortgage payment so I do n't know why they are taking it out of the {$50000.00}. Also I had my money in my account to pay XX/XX/XXXX and XX/XX/XXXX which they have not taken out of my account yet and I do n't understand why when the money is there they just not continue to take my monthly mortgage payments out. 
{$960.00} was taken out of the {$50000.00} for advances and I checked with the escrow department and they told me I am not behind on any escrow do I have no idea what the {$960.00} is for and to date the bank has not been able to tell me what this is for. 
{$44000.00} was what they are applying to my principal balance. 

The whole idea of this home keeper program is to apply it to your principal balance so you can reduce your mortgage payment and keep you in your home. So with what they are doing I am only saving {$100.00} a month on my mortgage which is not going to keep someone in their home. 

I have been trying to work this out with the bank since XXXX and they just keep telling me they are looking into it and if I do n't accept this I could lose the {$50000.00}. 
So I am going to have to sign the paperwork the way it is now but my complaint is the bank is not handling this {$50000.00} correctly. Can you please look into this for me. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Borrowed {$1400.00} in XXXX XXXX. Paid XXXX payments of {$110.00} = {$1100.00} ) Per online, balance is currently {$1400.00} as of XXXX XXXX ( Over {$1200.00} in interest ). However unsure of TRUE balance since last payment made in XXXX XXXX. 

Was unable to keep up with payments due to XXXX income ( was unemployed for 10 months- catching up on past debts and medical bills ). Several attempts were made to set up payment agreements with NETCREDIT via XXXX XXXX XXXX in XXXX XXXX, but Net Credit did n't agree. My intent was to pay this loan and to work out some agreement because I could n't afford the {$110.00} per pay check. NET CREDIT not only did n't accept the pay agreement, but they updated my credit reports to reflect 180 days late as of XXXX XXXX, which is detrimental to my score. 

I am willing to pay the balance owed of {$1400.00} if NETCREDIT agrees to update my credit score as paid, NEVER late or REMOVE the item ALL together from my all XXXX of my credit reports. 

I was NOT aware the interest on {$1400.00} would be {$1200.00} ( almost the amount of the loan ). I would have NEVER agreed to this loan. I am a veteran and XXXX civilian on a tight budget. This interest charged on the loan is hideous. I could have borrowed that amount from a local bank/lender and not have that much in interest. This is a horrible way to take advantage of those that are in need!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Beginning back in XXXX of 2016, I start applying for personal loans offers from XXXX.Then around XXXX and XXXX 2016 I beginning getting flooded with emails and text offers for online personal loans. So by XXXX loan companies begin soliciting and trying to reach me by phone and this one company that sounded familiar to me, XXXX XXXX told me that they approved my online application for {$2600.00} and they would be sending me the documents via email and transfer the first loan installment of {$710.00} through mobile banking account this was XXXX XXXX, 2016. Well everything seemed okay until XX/XX/2016 because i always check my wells Fargo accounts everyday. I know that on XXXX/XXXX/16 my checking account was a+ {$24.00} and then on the XXXX/XXXX/16 {$310.00} was add that i did n't deposit into the account, so i called wells Fargo . So in between the XXXX/XXXX/16 and XXXX/XXXX/16 wells Fargo let money that they knew was stolen from another bank account sit in my account as if it was mine as i thought the loan was legit but they took me on a round & round fight with their bankers as they came too a conclusion that i was scam, but i dispute the chargers to my checking account which was a - {$510.00} or maybe more but they ruled in my favoer and yes they took {$140.00} off and told me that it would be my responsibility for the remaining - {$410.00} balances

Company response to consumer: Closed with explanation