vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I recently purchased my first home using a FHA loan. My loan was sold to Amerihome Mortgage and I have been having issues getting them to accept my mortgage payment ever since. I have submitted multiple payments through their online system, their phone system, and XXXX XXXX Bill Pay only to have the payment be rejected by Amerihome each time. I have the correct account number and have the funds in my bank account. I have called them numerous times, had a threeway call with Amerihome and XXXX XXXX, and still have not had this issue resolved. Despite Amerihome being aware of the issue, they continue to harass me with automated calls demanding payments. They do not respond to my emails, and always promise to have a supervisor call me back, but I have not recieved any calls besides the harassing automated payments. I warned Amerihome that I would file a complaint with BCFP but clearly they are not worried about it because I am still unable to successfully submit a payment to them. I am at my whits end and just want to have my mortgage paid and my credit clean. Please help me! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Windham Professionals, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) suspended my professional XXXX license in order to collect a default student due to my XXXX and which I attempted to consolidate through the XXXX XXXX XXXX XXXX. 

XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX with Toll-free phone number XXXX through their XXXX XXXX, XXXX is charging 16 % ( a PAYDAY TYPE fees and charges ) of the loan balance, thereby adding to the loan balance burden on the student.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been trying to get a loan modification from Wells Fargo and it has been a nightmare. They have done everything in their power to keep me from applying for a modification. They said that first I need to do a forbearance for four months. Now they are pushing me to do a short sale. I have payments made to Wells Fargo that have gone unreported. Then they gave me another address to send my payments to. I did that before the due date and they tried to tell me that they did not get it until late. They request paperwork that I have sent them over and over again. Then they assign me to another person after a while and they start the whole process again. My account is a XXXX ACCOUNT. PLEASE HELP ME!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I were given a loan issued through wells fargo dealer services from the auto dealer I bought a car from. Not in the complaint but another issue the dealer decided to check XXXX banks for credit without our approval, which made our credit score go down. Anyways, I wanted to pay the loan off. Normally at other banks I have been with including XXXX allowed us to pay online or by phone via an ACH debit with our bank routing and account numbers. for example at XXXX I made an ach payment for {$15000.00} with no issue. However, what I learned was that Wells Fargo Dealer Services has instituted a limit of {$4900.00} on ACH payments per day, and that the only way you can pay even that amount is by paying a {$20.00} fee, since you need to speak with someone to do it. We just wanted to pay off our entire loan which was about {$17000.00}. Despite over 30 minutes on the phone trying to get a solution to not have to pay additional fees or interest, and just pay with the ACH for XXXX I was unsuccessful. No where in the loan documents or disclosures I was given explained that I was only able to pay XXXX at a time by providing my banking information for ACH debit. Despite this they would not let me pay this way. They did offer a wire transfer option that would have cost me {$20.00} at my bank, since they charge a fee for that. They also would allow me to send a check in which would take a few days, and thus accrue additional interest while the check was in the mail. Essentially, the unfriendly wells fargo policy was essentially causing me to pay additional fees that were not disclosed within the TIL. Despite the fact that the TIL says I could pay my loan off in full without prepayment penalties, Wells Fargo limited my options to options that would cause a fee ( Wire, or additional interest until they accepted the payment via mail ). I am very disappointed that despite wells fargo offering a direct debit ACH payment without fees or added costs, they would not actually accept my payment since I wanted to pay more than an arbitrary number that they set as a limit, and did n't notify me about when I got the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am requesting information about the fines against Wells Fargo. My father had a retirement account at Wells Fargo in XXXX, Ca. However when he retired and went to access one of his accounts he was told that his account had been closed and his funds had been transferred to a different type of account. As a result of the money being " moved '' he had no funds left to him. My father had not authorized any such access, transfer or new account. He filed a police report but that was the end of it. He was unable to recoup his money. 

In light of the new information, I would like to know if there is a group or organization he could meet with about his previous Wells Fargo accounts.

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 2016-06-21 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Overdraft, savings or rewards features — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have several Savings, Checking, Trust accounts, and a Secured Card at Wells Fargo bank. I transferred funds from one of my Wells Fargo accounts having over $ XXXX to the secure card. The card was paid in full. The next day at XXXX, I attempted to use the card and it was declined I contacted Wells Fargo all the way through to Executive management. They informed me that due to an overdraft fee ( for which I have already paid ) that they could not tell me when funds would be available. I have been caught in a bind with a card that will not work, for which I have paid for, which is secured with my own funds, within the same bank. What is my legal recourse.

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 2016-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We applied for the Wells Fargo FHA XXXX in 2014. Our situation changed during the trial period and we were sure to submit all documentation to adjust our modification. Before we accepted and entered into the agreement for the terms of the trial period, I received a package explaining the terms. However, the documentation was not clear on the credit reporting after the trial period. So I called our Wells Fargo home preservation specialist to find out what happens to the credit reporting after the trial period. She explained that during the trial our credit would reflect late payments but once we successfully complete the trial period our credit will be updated to show that we were not late on any payments and that we were under a trial period. After successful completion of the trial our credit was never updated and I have disputed this with the credit bureaus as well has written a letter to Wells Fargo. Someone from the Wells Fargo Executive Resolution Customer Care and XXXX XXXX did contact me but informed me of the opposite. That our credit would be reported on-time moving forward not retroactively. I explained to him that this is not what was communicated to me initially and they I would not have agreed to those terms because I have a career that is effected by my credit. I was unable to resolve this issue with Wells Fargo. Furthermore, they failed to provide clear information on consumer reporting and this has negatively impacted my credit.

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 2017-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
At the time of my divorce in XXXX I had a credit rating of XXXX. I filed a quit claim deed to transfer ownership of our property to my ex wife and she agreed to take over the payments, she did not make the payments on time which drove my credit rating below XXXX. Since my credit rating started going down I have tried on numerous occasions to get the bank to release me as the primary borrower to no avail. On XXXX XXXX, XXXX through XXXX XXXX, XXXX she quit making payments so I took her to court to try to recover the property before the bank foreclosed on it. Upon arriving in court I was presented with a loan modification which she and her attorneys claimed released me as primary borrower which it did not. This loan modification was executed on XXXX XXXX, XXXX without my knowledge, consent or signature. The court judge advised me to do my due diligence and upon doing so I discovered that I am still the primary borrower and am not released from my obligation.

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 2015-03-27 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: TX

Complaint narrative:
Callina A XXXX year old female home phone when asked not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX, I contacted you about a problem I has having with Wells Fargo. The complaint number of my previous complaint was XXXX. The basis of my complaint was that Wells Fargo was reporting a collection balance on my credit report for a defaulted auto loan. This loan is not my responsibility. It is the responsibility of a couple by the name of XXXX and XXXX XXXX. I even uploaded a copy of the court order, which clearly started that the Capps were responsible for the defaulted account that appears on my credit report. Within a few days of filing this complaint, a lady named XXXX XXXX responded, and stated that she needed my address at the time the account was open, the last four digits of my social security number, and my date of birth. I responded with that requested information through the complaint portal, and I also postal-mailed the response directly to XXXX XXXX at Wells Fargo. I have also left her voice messages, but she does not return my calls. At this point, almost 2 months have past, and we have yet to have any response ( whatsoever ) from Wells Fargo. Meanwhile, they continue to report this fraudulent collection account on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has a poor site for correcting errors. I have misinformation listed in my report that indicates a negative public record judgment against me. It is not against me, it is against someone else. XXXX had the misinformation listed also, but quickly removed the error ... upon request from me. XXXX did not list this misinformation, apparently they are more careful. What recourse does the public have with Equifax and XXXX? They have filed false information about me and this has cost me credit, and I have had my credit levels lowered by several of my credit card companies ... this could also have cost me an employment opportunity. I have been financially and emotionally injured, and spent a lot of wasted time. It seems to me that we the public, are victims of their casual yet powerful business practices. It is irresponsible of them to post negative information in our reports without at least advising us that they will be doing it. I am glad that there is this opportunity to pull up the annual credit report. If I had not been able to, who knows how much longer this misinformation would have been listed ... 7 plus years? It seems to me that we should be able to have access to our credit reports, without charge, every day. 
XXXX XXXX - XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Could you please help me? I can not seem to get Navy Federal Credit Union to stop beating up on us. Every extra dime that shows up in any of my accounts, they yank it to pay their criminally aggressive, repressive and punitive fees. Then, this generates insufficient funds fees ( WHICH THEY CAUSED ). I have repeatedly withdrawn my consent from Navy Federal to remove or transfer funds among my accounts. 
Most recently I transferred {$22.00} to a checking account and then immediately set up an online payment with XXXX to debit this account for the same {$22.00}. The " transfer to credit card '' transaction that took place on XXXX/XXXX/XXXX was not authorized by me. This caused the payment to XXXX to fail. Subsequently, Navy Federal charged, not XXXX, but XXXX Insufficient Funds fees. Again, I have repeatedly withdrawn my consent to these undisclosed transfers, but they ignore me and continue adding to the mountain of fees ( WHICH THEY 'RE CAUSING ) My wife XXXX has been experiencing pretty serious health challenges since XXXX XXXX, and as a result, my income is sharply down because of missing so much work while taking on more of the domestic responsibilities. She has a herniated disc which exacerbated an already extremely difficult ( and unexpected ) XXXX. XXXX. We 're XXXX people in an XXXX home, XXXX miles between the two 16 year old vehicles we own, and mountains of debt owed to NFCU. What has effectively ruined my financial life with Navy Federal, is this rapacious practice of yanking money out of checking and savings accounts to support it 's exorbitant and grotesque fees, interest and penalties. It is egregious and predatory, and only adds insult to our current set of misfortunes. 
Please get a hold of someone there to put an end to the tyranny so that we can get our heads back above water. 
Much Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Yesterday I brought my bank, Wells Fargo a check from a major financial investment company. I was taking funds from an investment account to put in my WF account. It was n't some personal check from nobody. it was verifiable funds from a major company. I told the bank manager I am ONLY depositing this IF you can make some of the funds available to me immediately! If you ca n't, I am going to another bank and opening an account. She was wonderful, personally handled the deposit and made a small portion of the funds available in my checking account immediately. 
IN THE MIDDLE OF THE NIGHT, Wells Fargo pulled ALL those funds back!!! I called the bank manager and she told me there is nothing she can do about it! How is it possible that I saw the funds available in my account for 12 hours, I have a receipt that shows them available and a bank manger personally handled the transaction and now THEY TAKE THE FUNDS BACK and put a HOLD on them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
The XXXX XXXX XXXX are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Stenger & Stenger, P.C
State: NJ

Complaint narrative:
I could n't keep up paying XXXX credit card so stop paying I do n't work may hour on my job cause they were slow at the time but now I would like to pay all my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Approximately 3 years ago, I opened a Sears Citi MasterCard at the urging of a store clerk but the card was closed about a year later ( over 2 years ago ). After the cIosure, I spoke with a Sears customer service representative who encouraged me to sign up for auto-pay to pay off the balance. I was told that the payments would go to the balance until it was paid off. Knowing that I had a substantial balance on the card, I just kept making the payments for over two years. This XX/XX/XXXX I decided to call the company on XX/XX/2017 and inquire about my balance because I had no online access to look at the balance. To my shock, I was told that the balance had not changed one bit! I was told that all the payments which totaled thousands of dollars had gone to paying the interest and XXXX, which was NEVER disclosed to me. Apparently, every month, XXXX was getting part of the payment made. When I began disputing this, the Sears rep removed XXXX and transferred me to an XXXX rep. I was then told that they would need 30 days to investigate. Thirty days passed so I called back and was told that they would need another 30 days. I wrote a letter to XXXX on XX/XX/2017 because I was told that there was no other way to reach anyone in that department and that they make the decisions. I have yet to receive any response from either XXXX or Sears. Sears has taken no responsibility and XXXX obviously does not care. Sears continues to force me to make payments for a balance that should have been paid off or close to being paid off and tell me that if I do n't make the payments, my credit would show that I am behind. As the only one working in my family, I can not afford to spend another couple of thousand dollars paying on this card. Sears and XXXX are literally taking food out of the mouths of my family members and they do n't care!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX has received collections letter for reimbursement of breach check from Citibank. However, I have not received a check from Citibank in the amount of {$66000.00} as of XXXX XXXX, 2016. It has exceeded a reasonable time-frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I had a balance of {$6200.00}. I made total payments of {$5300.00}, PLUS Citi credited my account {$840.00} for a fraudulent charge. This equals {$6200.00} in payments and credits. Remaining balance was {$0.00}. Citi is charging me interest for the fraudulent charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My wife has recently died very suddenly and unexpectedly. I am trying to get some mortgage relief from Citi, since my household income is now reduced by more than half, through the established loan modification programs mandated under law. The system they have in place is very clearly purposefully designed to make the process as hard as possible and prey on people who are in the absolute worst and most desperate situations. They send hundreds of letters in the mail just to confuse you and then tell you to ignore them. They require you to respond within days to complex document requests that they give you no explanation of, but they wo n't respond to your emails for weeks. They claim you can reach your support specialist on the phone but its LITERALLY impossible to do so. Once you submit documents they just keep requesting the same ones over and over. Then once they 've delayed you long enough, they claim that its a new month now so they need yet more documents. 
The process surely crosses the line from simple incompetence into purposeful fraudulent manipulation of the system and of their customers when they are in there most dire situations.

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