vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-13 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I sent money through Western Union. It has been over XXXX weeks and money is n't there. WU has simply not helped track the money and keep saying that money has been transferred to the bank, which bank denies. I have now spent number of hours trying to solve this and WU has not offered any resolution and keeps delaying the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc.
State: FL

Complaint narrative:
AMCOL Systems Inc. are trying to collect a debt that is not mine. I notified them XXXX XXXX, 2017 of this error and again on XXXX XXXX, 2017. Both times were in writing. The debt belongs to my son who is a XXXX. I am the XXXX. AMCOL has posted this to my credit reporting agencies which caused my credit score to decline. As of this date, XXXX XXXX, 2017 AMCOL has not communicated with me at all. They have not removed this from my credit reports. I did make a comment to my credit reports that these are not my bills. So far my score has still not changed. Thank you for your assistance to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
I just received a letter from Bayview Loan Servicing a debt collector who is threatening to foreclose on my home. They acquired the loan from XXXX. The original lender, XXXX failed to transfer the mortgage and the promissory note to XXXX. Because of this, there has been no payment on the loan in six years and eight months prior to Bayview Loan Servicing, a debt collector " acquiring '' the loan. Under Michigan statute the debt is Time Barred. ( Six years is the statute of Limitations on Promissory Notes in Michigan. ) Bayview Loan Servicing , LLC is threatening to collect on a Time-Barred Debt. Please investigate this Debt Collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX 2015 I tried to pay some of the past due amount on my loan and the bank REFUSED TO ACCEPT MY PAYMENTS. Since then I have tried relentlessly to get assistance from Wells Fargo on my past due balance. I fell behind last year, after a car accident and having to close my business. In XXXX 2015 I received a conditional approval thru Keep Your Home California and was told by Keep Your Home California I needed Wells Fargo to also assist in order to be approved for the program. I submitted everything to Wells multiple times and they would give me different excuses everytime. First they said I didnt make enough, then they said I made too much, now they are using different ratios than what they told me before. I have received conflicting information from them and they completely ignored the assistance I could have received from Keep Your Home California that could have helped me catch up! I was told by their Manager XXXX XXXX that he didnt have time to talk to me as he was busy interviewing people becasue they needed more people to answer the phones. He also told me they werent going to help me and that I should have savings in the bank like he did, because Wells Fargo pays him very well. He also stated that my situation would not improve no matter what they did for me! I explained to him he didnt need to speak to me in that manner and that I was simply trying to catch up. My partner had also been in an accident and had been on XXXX but things were getting better for us. I have always had good credit and worked hard and we were simply having a setback and needed help. I explained to him that things were still trying to improve here in California. I have provided everything they have asked for and they are still giving me the run around, each time giving me different criteria, and playing with the numbers/ratios. I feel im being discriminated against, and am not sure why. Im simply asking for a solution/plan to pay the past due balance owed. I was told yesterday that they could start foreclosure proceedings anytime if they felt like it and depending on how she was documenting my file-I 'm still working with Keep Your Home California for assistance HELP!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I purchased and closed on my home XX/XX/2014. To my surprise i just received a letter from my servicer that there is a {$4000.00} shortgage to cover the taxes and insurance. I contacted the title co who prepared Hud 1 and I contacted the Wells Fargo who preparedthe closing documents. Each are blaming one another. My mortgage payment is {$1000.00} and now going to increase to over {$1600.00} to cover the shortage. I would like to know how in the world was i even approved for this loan? My husband is XXXX years old and im XXXX. This home was a flip home and i never met the seller. I believe they purposely kept the correct annual taxes amount hidden from me because when i would ask them during the process " what are my taxes '' they would just say " oh about {$350.00} a month ''. I believe they did this cause i didnt qualify for the actual amount. I come to find out after 1 year my taxes are {$7100.00} a year as opposed to {$4200.00}. I am now in a position that i may have to sell my house. This is a huge burden for us!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I worked with Navy Federal to get a mortgage on my first house. During the entire process I felt bullied because of my age since I am very young to be purchasing a home. He neglected to tell me that I am required to have XXXX sources of credit history of 12 months, which he knew in the beginning I did not have. He requested an extension twice even though I submitted all the requested forms within 24 hours of his request. He never submit a final approval letter within thirty days of the original contract being executed and when he asked for yet another extension the seller denied costing me to lose my binder deposit. I do not feel it is fair for me to lose my money at the expense of my loan officer 's lack of communication. There were weeks where he did not even return an email or phone call. During the entire process he continued to tell me and my realtor that everything was going as planned which when he asked for another extension came as a shock. He made claims such as money laundering towards me because I mentioned I had cash savings at home from my recent graduation. He did not communicate from the beginning and now I am out a lot of money at his expense.

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 2016-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited my payroll check into my account on Friday XXXX/XXXX/16. They released {$200.00} and placed a hold on the rest until XXXX/XXXX/16. I called and asked if they could speed up the process. I have bills to pay and they flat out said no. They said I had too many overdrafts. I said I was n't even signed up for overdraft. They made a huge excuse that the government made changes to protect me and what not. I got paid on XXXX/XXXX/16 again and it was placed on hold yet again for another two weeks. I can not believe this. I 'm falling behind on everything and it 's my payroll check not a personal check. I need my money now. I have XXXX and I need to buy diapers and food.

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 2016-03-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
Cashnet USA keeps debiting my Savings Account and causing me undue hardship because everytime they do that it cost me {$30.00} ; They initially charged me {$220.00} and now they want another {$220.00} ; they keep playing games and having different people call me to make verbal arrangements ; they sent me an e-mail with an offer and I sent them a counter ; then they sent another person to call me to record me but, I did n't make a verbal agreement. I have the documentation to subtantiate my complaint. They keep changing the payment arrangements and due dates to keep me paying them longer and more money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a credit card with wells Fargo bank. I have been having a little trouble paying as have lost my husband as well as loss of income, but retained the debt of 2 people. Have written several letters asking for the opportunity of a discounted pay-off.Only to be told that they do not do anything in writing. I truly did not know that. So they proceeded to pull a dollar amount from my checking account.leaving it overdrawn and leaving me with overdraft fees. Only to inform me they did not charge it off expecting more 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 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
A hardship package was submitted to Wells Fargo on XXXX XXXX, 2015. Client was approved for a XXXX trial plan in the amount of {$2000.00} for payments due on XXXX, XXXX and XXXX. The escrow amount of the PITI payment was extremely high ( $ XXXX/month ). We asked several times for clarification from Wells Fargo on the breakdown of the escrow, but they were never able to fully explain why the amount was so high. We also spoke with XXXX XXXX and they provided a declarations page showing an amount that was much lower. The borrower subsequently fell behind on the trial payments due to the high payment ( {$630.00} more a month than the amount provided by XXXX XXXX XXXX. We tried to submit another hardship package so this can be appropriately reviewed but they told us that the only way we can qualify for a resubmission is if my income has been reduced. Client is still struggling to make his mortgage payment due to huge escrow payment.

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: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A year ago we took out a mortgage with Wells Fargo. At closing, the Truth in Lending statement disclosed a monthly payment of {$1700.00}. One year later we received notice from Wells Fargo stating there was a {$5000.00} shortage in our escrow account that would need to be paid, as well as our monthly payment would be increased to {$2200.00} We reviewed all mortgage documents, and found that Wells Fargo made an error on the Truth in Lending statement in regards to our taxes. We contacted Wells Fargo in an attempt to resolve this situation. After 2 months of review, they ultimately admitted they made a mistake, they covered the {$5000.00} escrow shortage, but said we are still responsible for the higher mortgage payment, which amounts to {$480.00} more every single month for the term of the loan. We are not satisfied with this resolution, as their mistake will cause our family to have to pay an additional {$480.00} each month for the next 29 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
My client has been trying to lodge his Enduring Power of Attorney ( EPOA ) from XXXX to enable him to operate his wife 's XXXX Bank Account with Wells Fargo. His wife has XXXX XXXX and is unable to operate this account. After making a complaint through yourselves in XXXX 2015 ( Case Number XXXX ) Wells Fargo advised that the EPOA had been accepted, however when the second Attorney attended branches in both XXXX XXXX and XXXX, she was told that the EPOA does not comply with their rules and in fact they would need the original XXXX document ( which they have ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a secured credit card through Wells Fargo in XXXX of 2013 in the amount of {$500.00} At the time when I opened the account I was told after 12 months I would be graduated and the account would no longer be secured. As long as I used the card and paid on time. I have done both and it has almost been 2 years now and they refuse to unsecure the card and refuse to tell me why they wont. I XXXX paid too early and it resulted in a late fee but after speaking with them they saw the payment I made and reversed the charge. I really think this issue is holding my account from being upgraded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband and I purchased a gym membership with XXXX XXXX in XX/XX/XXXX. The gym went out of business on or around XX/XX/XXXX without any notice. The gym reopened under a completely different name ( XXXX ) and ownership. XXXX XXXX charges a monthly membership of {$20.00} per member per month.. I requested to dispute the charge for the remaining gym membership worth {$520.00} and XXXX training sessions worth {$180.00}. I received a call from Wells Fargo dispute department last week advising my dispute was denied by VISA because the gym services are available at the same location and because XXXX XXXX reopened the location and agreed to honor my previous gym membership. As a consumer I do n't think I should be forced to belong to a gym that I did not sign up with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to modify my home loan five months and keep getting the run around. Every time I ask my representative if in fact he has all items requested, he states that he has everything then inn turn asks for more items or that he can not find the items. I was forced to file a bankruptcy due to their prolonged excuses. I am also entitled to a class action loan modification through Wells Fargo, which did bad ammoritized loans. I feel that they are trying to hold out so that they can foreclose on my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Dear Sir/Madam : We are now facing foreclosure process from our home mortgage lender as of XX/XX/2015. Our home equity loan with " OCWEN '' has matured as of XX/XX/XXXX, and full-payment of $ XXXX is now due. I was only notified by Ocwen over a phone call, after the maturity date. No monthly statements was sent to us prior to the maturity date, ( see exhibit # XXXX : of last mail received to the correct address ). Ocwen said, it was because we did not give them the correct mailing address. During that time, I was told I could ask for a modification on our loan. So immediately I had provided full supporting documents & applications to Ocwen. It took Ocwen about 1 1/2 month later, on XX/XX/2015, just to deny our application. The reason for denying, is that the loan has already matured. But why would they have me go through this process, when they knew it will not get approved. But during this period of time, I was also working diligently with a mortgage financing company to get a 30 years fixed loan approval and pay of Ocwen. But we encounter an error on our credit report, that must be addressed prior to getting the loan approved. Now we are waiting for it to get updated on the XXXX credit bureaus. 

While I was getting a new credit report, I discovered that Ocwen had already submitted to our credit reporting that we were late on our payment. Technically we are still making payments to Ocwen, but they returned 2 of our last monthly payments. It 's not late, we did not miss any periods, the loan is matured. 

The new lending now tells me that there is nothing they can do to get us approved, and no other banks will approve us neither, due to this late payment reporting. we can not even sell our property, because Ocwen will put a lean on our title. Now we are faced with losing our home. 

I have faxed Ocwen to ask for postponement of the late reporting just so we can get approved, but I have very little confidence Ocwen will help. I suspect they just want to take our house. 

Please help us, we are desperate for help. We have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with Wells Fargo. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from XXXX XXXX regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.

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 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
In 2012 I filled bankruptcy. Coming out of bankruptcy I obtained a Hardest Hit Mortgage at the end of that year, I worked with Wells Fargo to get a Loan Modification which saved my Home. Recently it came to my attention the Wells Fargo is not reporting my current 7 months on on time payments to the credit Bureaus. When I spoke with them they informed me that i did not sign a reaffirmation agreement with the bankruptcy and therefor they would not inform any credit bureau about my payments. I researched what a reaffirmation agreement is and found out that if I had signed XXXX that if for some reason I could not make my mortgage payments, then Wells Fargo could look for me for money if there was a shortfall under the Foreclosure. When I found this out I was very glad I never signed XXXX. However the fact is that I do have a mortgage in good standing with Wells Fargo and I think what they are doing is border line criminal, they are affecting my credit score, which I am trying to improve after my bankruptcy. This practice for any Financial Institution should be prohibited. Please let me know if you can intervene on my behalf or give me some guidance how I can inform the credit bureaus. Thank you my contact in formation is XXXX XXXX - cell XXXX - mailing address XXXX XXXX XXXX XXXX, XXXX, RI XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is illegally attempting to bill me for the amount of {$480.00} plus {$15.00} late fee charge for a charge/balance that I do not owe. I closed my credit card account on XXXX XXXX, 2016 with a zero dollar balance and did not make any purchases or charges prior to my final statement closing. The charge is erroneous and fraudulent. My balance needs to be zeroed out.

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