vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a XXXX who works abroad. XXXX. I recently deposited {$5000.00} from my XXXX bank account into Wells Fargo. The deposit was made on XXXX/XXXX/16. The deposit was processed. It was credited to my account. It was a " done deal. '' But then on XXXX/XXXX/16, the money had been taken out of my account by Wells Fargo, and " referred to collections '' without any explanation. The reference number is : " Foreign Check XXXX - for Collection XXXX. '' I owe Wells Fargo ( or anyone else ) no money. Basically, they just stole {$5000.00} from me without any explanation. I tried calling several times, but no one was able to help me. 

Eventually I got through to XXXX, who told me that it was all a big mistake and that Wells should not have done this. But she said they had mailed the check back to XXXX and asked them to wire the money instead ( without my consent or knowledge ). This means in addition to the foreign check fee that I paid when the check was initially deposited, my XXXX bank and Wells Fargo will be charging additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: SECURITY FINANCE CORP
State: ID

Complaint narrative:
I got a payday loan with Continetal loans in XXXX Idaho, I missed my first payment due to being let go from work unexpectedly, I tried working with their manager on the issue but she kept refusing less than my payment amount. She then started calling me three or four times a day leaving only one message. Now they have come to my house twice to try and collect the funds out of the office? I offered XXXX dollars and told her i would meet her at the office she said no i have to have at least one payment of XXXX. I couldnt afford this, there is two times she refused my payment. Third time i tried getting on a hardship program was told i could pay XXXX if i came down that day and signed paperwork i wouldnt be due till next month, i go down and get the paperwork all drawn up mind you she is out of the office im dealing with another employee, she says she needs a payment before they can approve my hardship program. They continue to call me and harrass me everyday threating to take me to court. This has been 4 months of XXXX. Now i have to fear these people bullying me at my home? is this even legal? I chose cant contact lender because its the manager i have been dealing with so i have noone to call to report her.

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 2016-09-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo sent me a letter telling me I was " ..among a select group of valued customers receiving an automatic upgrade to the Wells Fargo Signature Card. '' It went on to explain that this " upgrade '' would happen without any input from me, and listed " benefits '' none of which were actually of any benefit whatsoever to me. In fact, there were changes in the fine print to the minimum payment calculation that would be detrimental to me under certain circumstances. I am complaining because 1 ) the claim that this is an " upgrade '' is totally fraudulent ; 2 ) the change was made unilaterally- rather than asking me if I would be interested in the change, I was informed the change would be made automatically unless I made a phone call, costing me valuable time for no good reason.

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 2016-12-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My XXXX credit report dated XXXX XXXX, 2016 included XXXX 15 year mortgages with Wells Fargo Bank. The information has been shared with Wells Fargo staff in XXXX XXXX, IA who stated on the phone that they are unable to identify these accounts in my name. We have NEVER had a 15 year mortgage.

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 2016-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a mortgage with a bank where I was experiences mistakes in handling of my escroe things. I have filed a complaint here about that and the bank just continued it until it was closed with no resolution. I found a bank that would refi, did so and did much better however again with escroe- the old bank after being paid in full, notated account paid in full, XXXX balance for almost 2 weeks responded to my inquiry about returning to me my escroe balance which was XXXX, sent me a confirmation message that the XXXX would be sent in 15 days. So I waited and when not receiving it I contacted them again. This time they balance had changed and they show a lesser amount being sent to me while maintaining XXXX dollars on the account which is still open. I inquired about why they kept the XXXX and they say for the PMI which was paid in arrears. I have batted this back and forth with messages to them which is no different than I had to do when they made mistakes in my escroe before. They tell me I owe XXXX for a PMI payment although the last PMI payment was posted XXXX the pay off XXXX showing all was paid the account shows paid in full in capital letter and XXXX balance. Yet with nothing showing to be owed on the account they kept XXXX and by the way XXXX was the PMI payment not XXXX. The PMI does not renew until XXXX and is paid yearly not monthly so I do not understand how they can charge me anything when the account clearly shows paid in full, XXXX balance and that my PMI posted in XXXX was paid in the settlement. Even today this morning of XXXX/XXXX/2016 there is a credit escroe balance of what they kept, the account does not appear closed yet shows paid in full with this credit. You can tell me I owe something until the cows come home but if the account shows paid in full XXXX balance how can you keep any of my funds? This is just one of many problems I have had with Wells Fargo Mortgage. Its just not right and they should not be allowed to just do things with peoples money especially when their own records indicate no evidence for their actions. I have refinanced with another company and was treated much better but its not fair to take someones money without being able to show you owe 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 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On the following dates I used Navy Federal Credit to make Bill Payment to following account at XXXX XXXX and XXXX XXXX XXXX XXXX I contact my to inquiries on payment that was sent by bill pay. XXXX XXXX contacted me and I was not available then call back on XXXX XXXX, 2015 and spoke with XXXX from Navy Federal Credit Union who contact XXXX XXXX while I was on the phone I received various bill from XXXX XXXX and XXXX XXXX XXXX XXXX which will require the bank contact the individually regarding the receipt of payment the first contact XXXX was asking question about the account on the statement when they should be either put my name, or the account that was given by the bank XXXX. XXXX indicated the they had different account number from the one they sent me stating I have miss payment. The Navy Federal Credit Union Confirmation Number is XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$100.00} I request XXXX to send letter and ask them to verify method of payment because they can confirmed the checks has been paid and the amount was with withdraw from my checking account and XXXX was not very help she was will give private information to XXXX. I had inforned her several times not to release this information, Please investigate the Navy Federal Credit Union and XXXX XXXX, XXXX XXXX XXXX XXXX and ensure they working according to United States Federal Regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XXXX of last year, I switched from paying monthly to bi-weekly with XXXX extra payments to be paid each year. I was told by a Wells Fargo customer service representative on XXXX XXXX that the extra payment of {$970.00} I made in XXXX ( Please see attached copies of my bank statements ) would be applied directly to principal ; however, when I called in XXXX of last year to ask why the extra payment had not been applied, I was told that the first payment toward principal would not occur until XXXX and the second in XXXX. 

My questions are : Why was the extra payment I made in XXXX, which is clearly shown in the attached bank statement, not applied to the principal immediately? Especially since I was told that this is what was going to happen? In past experience, as this is not the first mortgage I have had, each time I made an extra payment toward principal, it was applied immediately and it also affected my long term payment plan. Moreover, what happens to the extra payment I paid in XXXX? How on earth can they get away with this?

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 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Today I read about the Well Fargo settlement and it made a light bulb go off. I wanted to tell you that I was a victim ( i say that lightly ) of the scam the employees were pulling. I had opened a checking acct. with wells fargo, that was it, just a checking acct. But then a week or two later I recieve a Well Fargo Credit Card in the mail, not debit, but credit card with a {$22000.00} limit. I had no idea as to why it came. I didnt speak to anyone, or fill out anything for a credit card. But sure enough, I got one. Now I understand why.

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 2017-01-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I used the Wells Fargo SurePay services to transfer money to my friend 's account using his phone number. I received the confirmation email and text message saying it was transferred to his account and received a text message as well. I sent XXXX separate transactions to the same phone number in forms of {$41.00}, {$500.00}, and {$2000.00}. The money was taken from my account to transfer over. I waited a day or two to see if he got the money, and he said it never transferred. I checked his XXXX XXXX XXXX account to see if it ever went through, and there 's no signs of the transfer. I checked his statements, transfer history, and even the preferences to see whether the correct number is linked to that account ; and it was correct. He called his bank to see if they can see if anything went wrong, but they said there was not any transfer that went to the account. So, I submitted XXXX claims to Wells Fargo, and they said everything went correctly on their end and that they could not do anything much more. They offered to send any documents that they used relating to the claim showing how they determined the outcome, but they had no documents to show for. I am submitting to claim to determine where my money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: LendUp Loans LLC
State: NJ

Complaint narrative:
I looked at my credit report and seen something that I did not know of. I would like to file a dispute against it. It was not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
Niece took out loan with Castle Payday loans in Michigan in my name. Loan was for {$800.00} with {$280.00} interest. She did n't tell me when the XXXX payment was due, so I did not put money in her checking account to pay it. But then I got an email from the bank saying that Castle Payday tried to take the money out. So after this, I tried to talk to Castle Payday to make a payment but they would n't tell me anything because I did n't know what email address my niece used, and she could n't remember which XXXX she used. This was after I provided my name, social security number, DOB and address and they still would n't talk to me. So after this I made sure that I had money in the account each time a payment was due. XXXX payments of {$280.00} each were made to Castle Payday, for a total of {$1100.00}, which was more than the total of {$1000.00} which it supposed to have been. My niece finally remembered which email address she used, and I was finally able to talk to them. They told me that all the payments I made were for interest, and that I still owed {$1300.00}. That makes a total of {$2500.00} for a {$800.00} loan. I find this to be totally ridiculous, and they should have talked to me initially after I gave them my name, social, DOB, and address. This company needs to have action taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I was contacted by XXXX in an attempt to collect a debt on the behalf of Cash Central. I had no knowledge of ever taking a loan out from this company. XXXX Cash Central who stated that I received a loan from Cash Central on XX/XX/XXXX and never made payments. I told them that I have no knowledge of applying for a loan. They told me to file a police report for identity theft, which I did. I filed a report with XXXX XXXX Police Department and filled out the forms requested by Cash Central on XX/XX/XXXX. Never heard another word. On XX/XX/XXXX, I called to follow up with Cash Central and the dismissal of the debt. Was told that it would not be dismissed because I did not have enough evidence to support Identity Theft. They only communicate, so they say, through email. I have not received any hard copy statements or notification about collections. I know nothing of this loan, filed a police report and do not know what other steps to take. Cash Central just states that I owe them the money, which I do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: KY

Complaint narrative:
I was recently scammed. I sent a wire transfer to a person named XXXX XXXX, delivered to XXXX on Monday XXXX XXXX, 2015 at XXXX. The transaction took place at XXXX in XXXX Ky, and the MTCN tracking number was XXXX. Someone was supposed to be meeting me with a package with a stamp to win a prize. I realize now how foolish this was. I have called Western Union automated line and the funds have already been dispersed. Do I have any recourse? I have reported this fraud to my financial institution XXXX XXXX XXXX XXXX in XXXX, Ky.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I submitted a request through the consumer finance website concerning my issue on XXXX XXXX and it was submitted to the company on XXXX XXXX for review [ ( Case number : XXXX ) ]. They responded on XXXX XXXX stating that they would review my complaint and provide a solution within 45 days. We are now going into 90 days since my complaint was submitted and just short of 90 days since they responded stating that timeline and they are still having this second company attempt to collect a debt that I am refuting and have yet to provide me with any documentation proving otherwise. Yet, they are also still reporting negative marks on my credit and sending harassing messages on my phone as well. I would like this resolved as soon as possible. If I took 90 days to respond to them there would be negative consequences so I feel that they should be properly reprimanded for this lack of communication, professionalism, and most importantly attacking and harassing me without providing me any proof of the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I got an inquiry on my credit report from Cash Central on XX/XX/2017. I never authorized the credit hit on my report. I never even applied for a loan. I am very upset they were able to put an inquiry on my report without any authorization. I tried to call them to dispute the information, but the customer service rep just kept reading a prompt, saying it was a legitimate hit. I want to dispute the information and I want it REMOVED from my credit report. I also want to know how they were able to run a check, without my authorization ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I 'm a victim of identity theft and someone else has been trying to open account in my name and I have some inquiries on my credit report I only have XXXX account with municipal credit union but it has XXXX inquiry from them XXXX/XXXX/2016 do n't belong to me and the company by the name of XXXX XXXX have XXXX inquiries on my credit report when I only supposedly should have XXXX from XXXX/XXXX/2016 belong to me

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 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I properly requested via XXXX ( attached ) the method of verification Experian used to verify a disputed tradeline on my report. Not only did Experian not share information pertaining to my disputed tradeline as required by FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) but they did not include the business name, address, or telephone number of any furnisher of information contacted in connection with such information. Without this information, there is nothing for me to be able to use to verify this invalid tradeline.

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 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting the same account on my report multiple times. It was charged off from the original debtor and sold to a collection agency. There are XXXX agencies reporting the same information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent experian info regarding the account by XXXX that payment was paid in full, but the account is still on my credit report i have disputed this many times.

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 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
this account was never late and was never in collections-please remove and updateAccount nameXXXX XXXX XXXX, FL XXXXNo phone number availableAddress identification numberXXXXAccount numberXXXX .... 

Recent balance {$150.00} as of XX/XX/XXXXStatusCollection account. {$150.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX Account paid in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX and Experian refuses to remove XXXX Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax XXXX and Experiancredit report

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 2016-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit bureau is in direct violation of FCRA AND FDCPA.

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 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Already dispute with experian. They will not let me dispute again, said they already investigated and will not reinvestigate.

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