vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My XXXX XXXX loan was acquired by Nationstar Mortgage in XX/XX/XXXX. All servicing transferred to Nationstar. It is a simple interest-only loan. Upon transfer, Nationstar started calling me saying that I owe them a bunch more money on my mortgage for insurance/taxes escrow that transferred over from XXXX. No such escrow ever existed at XXXX, and I 've always only paid my interest-only mortgage. I 've been on the phone with Everhome for 7+ hours on 4-5 different occasions, and on 3 occasions they told me the issue was resolved. On 2 occasions they promised me a call back, but I never received a call back in either situation. I keep getting calls and mailings telling me that the issue is not resolved, and I owe them more money. No one has been able to explain why they keep trying to charge me more money, or what the heart of the issue might be ( see attached letter from Nationstar showing how all they can figure out how to do is restate the problem, not solve the problem ). Either they are inadequately staffed to process my mortgage correctly, or it 's some kind of scam to get unaware customers to pay them more than they own on their mortgages. I 'm increasingly in the latter camp given that unprecedented effort and continual promises of resolution have resulted in no progress. It 's quite surreal that such an incompetent institution can be allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was prompted to open a new savings account with Wells Fargo based on a targeted message/advertisement I received in my online log in at the Wells Fargo website. 

I opened the account, met the deposit requirements ( minimum funds + recurring transfers ) and have not received my bonus. 

I inquired online with Wells Fargo and was told to go in branch. In-branch they were unable to assist me as they said they could not help on online promotions. Therefore, I am reaching out in an attempt to get someone who can resolve this issue. 

I would like for Wells Fargo to honor the {$25.00} bonus they promised me for expanding my relationship with them ( see attached screenshot I took of the online offer ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Have tried to get a loan modification from ocwen but they keep saying I did n't send everything in XXXX time so I kept going through the motions. In the meantime, a tree fell on my house blowing fuse box and wire along with a tree through my living room roof and ceiling. It 's been XXXX days without power. I and my animals are dehydrated and I spent XXXX to stay somewhere else and pay part of tree removal. Because they got a FORCED policy on the house, they refuse to give me the money to fix my house and get power back on. I would love to keep my house but I have seen too many complaints about ocwen to know that they will not help. Also, I ca n't speak to an american. I do n't understand any of them. I now have no money to stay elsewhere until they make a decision and do n't have anymore money to fix the power and roof myself. I need help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I attempted to use an ATM at the branch located on XXXX XXXX XXXX. in XXXX, AL. The ATM had an error message which stated that there were n't any transactions available. I returned to the branch and requested that the bank cash a check. They refused to do so an indicated that it was a transaction which they were refusing to all consumers and that they would n't allow anyone to take cash but only make deposits. I asked how long the policy would remain in effect and she indicated that it was as a result of computer issues.

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 2017-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
After paying XXXX mortgage payments to Wells Fargo for XXXX different mortgages in XXXX different states. Wells Fargo then went into a totally different account and drafted another payment for the mortgage in North Carolina which was {$690.00}. The XXXX payment for {$690.00} that I paid Wells Fargo applied to interest only, not to my principle payment. The XXXX payment that was taken was unauthorized by me. It was taken from a third bank account. The same account in which Wells Fargo said they could not draft from because it was a custodial account. Yet, Wells Fargo went into this account that I had deleted from Wells Fargo 's website. Wells Fargo was not authorized to take any funds from the last account. Also, Wells Fargo told me they had contacted my financial institution and was told it was a custodial account and therefore, Wells Fargo could not draft funds for the account. Then Wells Fargo turns around and draft another payment in the same pay period from the account. 
Spoke tp XXXX XXXX on XXXX XXXX, 2017 at XXXX on XXXX who said she would call me back when she found out why funds were taken from the account after payments were already made. I have not heard from XXXX.

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 2015-07-21 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
On XXXX XXXX, 2015 at XXXX EDT I requested a money transfer using Western Union from within the XXXX website. XXXX website connected me directly into WU 's website. There was no way for me to log into my WU account. 
I thought it would allow me to transfer directly from my checking account to my friend 's bank. I entered the required information on each webpage. Before I realized it the WU screen popped up with a receipt with the tracking number for my friend to pick it up from a WU agent. That 's not what I wanted! I knew my friend would n't be able to go pick it up. 
I immediately called WU to cancel the transfer. The CSR there said, no they could n't cancel it, my bank had to cancel it. 
I immediately called XXXX, the CSR there said they have not way to cancel the transfer on their end. 
I called WU back, the CSR told me, they would cancel it and I would have the funds back in my account right away. 
I kept checking my account online that day and the next day and the next day and the next day ( As of today, the funds still have not been credited back ). 
I called WU again and they said it could take XXXX business days for the refund to show up in my account. 
I called WU again on XXXX XXXX only to be told my bank had to call WU to release the funds. 
I finally got around to calling XXXX today. Had to convince the CSR to call WU. She finally did and then the WU agent said she was n't allowed to have a XXXX call when gave them the cancelled WU tracking number. I had to hang up and when the XXXX CSR called me back she said I could pick up the refund at any WU office. When I asked for the tracking number ( that I know WU requires ) the call was disconnected. I called XXXX back and told the CSR the whole story again, she said she 'd have to put me on hold for XXXX minutes. XXXX minutes later she came back and said she 'd have to keep me on hold a little longer while she looked into the problem. XXXX minutes later the call was cut off, I presume by the bank reaching a time-out limit. 
I called the bank again and demanded to speak to a manager. The CSR then said his supervisor was n't available and can he have her call me back. I said no. I want this resolved, then I recounted the problem. He said the only thing he can do was contest the transaction with WU and it would be XXXX days before I would have my funds back. I then relented and gave the CSR my phone number for his supervisor to call. 
Am waiting for the supervisor to call back right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DIVERSIFIED XXXX or any company associate with this account # XXXX DIVERSIFIED XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX DIVERSIFIED XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX DOB XX/XX/XXXX SS LAST NUMBER OF SS XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I made my auto loan payment in branch for Wells Fargo Dealer Services. I made my regular payment of {$250.00}, and an additional principal payment of {$1200.00}. When I received my XXXX statement, they had made 4 monthly payments instead of crediting my principal. I called on XXXX XXXX to the call center at XXXX to have my payment properly posted and was told it would take 3 days to complete. When I checked my balance on line on XXXX XXXX it had still been applied improperly. So I called again on XXXXand spoke with a XXXX who stated that he would get it corrected. On XXXX/XXXX/XXXX I checked my account again and it was mis applied once again and now showing that I owed a balance of {$28.00}. So I went into my local Wells Fargo Branch where they called in and spoke with someone who said it again would be corrected in 3 days. In the mean time, I made my XXXX payment of {$250.00} on line on XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX I made an additional principal payment of {$300.00}. When I received what should have been my XXXX Statement, they are now showing I have a past due balance of {$28.00}, Due on XXXX/XXXX/XXXX ( Statement date is XXXX/XXXX/XXXX ) with a late charge of XXXX due. SO on Friday, XXXX/XXXX/XXXX I called again and spoke with someone by the name of XXXX XXXX, who stated she was a supervisor and would get my account corrected and call me on XXXX/XXXX/XXXX. Not only did I not receive a call back, but I have now started to receive collection calls. When I called in this morning, no one could get me back to XXXX XXXX, in fact a " supervisor '' there gave me a phone number for her of XXXX which has been disconnected. And then proceeded to tell me my account is past due 25 days and if I dont pay them they will report this on my credit. All I have done is make my regular payments on time, and attempt to pay down my principal balance, which they are impeding and making my account past due with their " correction '' errors. Can someone please help me get this resolved before my credit gets impated over their inability to properly post payments? I tried to call another number and all they said was that they would send " XXXX XXXX '' an email to call 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 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo loan officer XXXX XXXX breached her fiduciary duty and gave me a bad loan 10 years ago with a fixed rate of 6.75 % with no amortization. It is obvious she was looking after only her interest in gaining a big bonus for getting me into a bad loan. In retrospect, the loan I had before I refinanced the property was a better loan. The loan officer refinanced me with new bad loan with a fixed interest rate of 6.75 % interest with no amortization. The loan was also not covered by either XXXX or XXXX XXXX so I can not refinance under the HARP program. I originally purchased the property for {$490000.00} and the property is now only worth around {$420000.00} and I do not have enough equity to refinance the {$370000.00} loan. 
During the past 10 years, I have complained to over twenty Wells Fargo loan officer about the bad loan. For over 10 years, I have lost over {$1000.00} each month on the property because my loan payments have been around {$2500.00} per month, but my rental income was only about {$1500.00}, and I could not refinance. I will be XXXX years old in XXXX, and we rely solely on our modest social security and XXXX pension incomes for our survival so this bad loan has created an extreme hardship and a real nightmare on our limited budget. 
My loan is finally scheduled to reset in XXXX XXXX when I understand my current interest rate of 6.75 % could drop to a lower variable level and there would be amortization. I would like Wells Fargo to accelerate the reset date as soon as possible before XXXX XXXX so I can get immediate relief from the negative {$1000.00} per month negative cash flow. My wife and I both have XXXX scores above XXXX so we are very responsible in paying our bills. We have also been loyal Wells Fargo customer for over 50 years when we purchased our first home in XXXX with a Wells Fargo mortgage. 
Any help you can provide would be deeply appreciated. 

XXXX Cell : XXXX

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 2015-05-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I paid my payment on time. Wells Fargo did not credit my payment to my account on time and than reported to the credit bureaus I was late on my payment. I have never been 30 days late on any payment to Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX XXXX I was guaranteed a 80 % 7 yr ARM to purchase a property. In XXXX I found a property and had in hand a document stating that I had the 80 % loan. I signed the purchase at the end of XXXX XXXX. A 30 day escrow was entered and Wells already had almost all of my financial info at that time. On XXXX XXXX, 2015, one week prior to closing, Wells dropped the loan amount to 75 %, which I agreed to. The Escrow was extended a week since Wells needed more time to close but stated they would have the documents ready to close within days. When they still had not closed 3 days prior to the extended date, I called my XXXX at Wells who could not tell me if they could now close on time. In order to not lose the property and my deposit, I suggested to the Wells broker that I could pay for the property with cash, coming from my IRA, IF she could guarantee me they would close the deal, so all my IRA money could be paid back within 60 days. She told me they should be able to close easily within 10 days. It turned out to be 45 days, then they provided me with a loan of only LESS THAN 60 %. This caused me to be unable to pay back {$170000.00} to my IRA, leading to a income tax bill of {$76000.00}. ( please see attached documents. )

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 2015-10-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
On XXXX/XXXX/2015 Security Finance Corporation/XXXX made contact with a XXXX-party regarding my account and left a threatening message. I have asked Security Finance Corporation staff to contact me directly regarding my account. It appears that Security Finance Corporation deliberately released information regarding my account to an unsuspecting family member to embarass me. It seems that Security Finance Corporation is engaging in oppressive and abusive collection practices. This behavior is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Attached you will find the new public records report with the documentation of the lower square footage as I stated in my complaint, given to me by XXXX XXXX of the XXXX county assessment office in XXXX Pennsylvania. 

If you have any questions in reference to this you may contact him his name is XXXX XXXX his phone number is XXXX, his email address is XXXX. 

I will also be sending this to the CFPB.

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 2016-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have called Wells Fargo 3 times about closing a secured Visa card that I had with them for {$500.00} for about 2 years. 
I called in XXXX, XXXX, and XXXX. 
They refused to close this account, by their actions the account remained opened until I called in XXXX XXXX, 2016 and spoke with a Supervisor, XXXX XXXX. 
He told me that He would close the account but I needed to pay {$39.00} to balance the collateral amount to {$500.00} and that that I owed XXXX, which he took over the phone and he said your money will be back in your account immediately. 
XXXX XXXX, my checking account was debited for {$450.00}. 
Today XXXX XXXX, 2016, I called again concerning the amount that was suppoe to be credited to my checking account. I spoke with XXXX, supposing to be a Supervisor, and asked him when will my money arrive in my account. He told me another XXXX to XXXX Well, it should have been in my account by now, but Wells Fargo, refuse to close my secured card and now I have to wait another 45-60 days. This is not right. And I will be moving my accounts as soon as I can.

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 2015-08-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I want to start by saying that I am very frustrated, because I am getting no help. Everyone is taking the situation lightly. I could have been embarrassed or worse arrested for this issue. I used an Wells Fargo ATM at the XXXX XXXX XXXX in XXXX. I withdrew {$340.00}, and was charged a {$3.00} dollar fee. this totaled XXXX. The machine distributed XXXX 4 XXXX - {$50.00} and XXXX 7 XXXX {$20.00} dollar bills. I am not a Wells Fargo customer and they are not willing to investigate, which I think is unfair. Whether or not I am a customer they put there product out there for non customers to use. Come to find out after giving one of the {$50.00} to my sister in law to make a deposit, it was fake. I can not let this issue go, I do not have money to give away, nor do I think it is fair that no one is sensitive to my issue. Counterfeit money is very serious, and I could have been arrested. I keep getting the run around stating that the atm does n't give out {$50.00} dollar bills but this day it did. I also know there is a ledger from day to day that shows the starting balance of the machine, and also the denominations that were in there. I am upset because I am being made to look like a liar, I do not need to go through all this aggravation for {$50.00} but it is mine. I also believe that if this situation goes unhand led there maybe other customers or non Wells Fargo customers who will experience the same thing.

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