vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
XXXX did a loan modification without all the paperwork and denied myself the XXXX for my service in the military. I am adding information to cfpb case #XXXX. signature on power of attorney is not mine that they have on file. Then XXXX acquired the loan from XXXX instead of fixing the issue the let never investigated it or fixed it then we provided the with a XXXX dollar check nothing was applied to loan the just returned $XXXX stating that is was part of a lawsuit if so then were did the XXXX go for the loan my mother paid. Then the loan was sold to Nationstar mortgage how can they own the loan with out the proper signed documents. My mother already provided the assignment that XXXX provided to us and nationstar mortgage that gave XXXX and XXXX the rights to the loan if that was the case was it never signed, notarized, and filed at the court house to this date that document is not filed there. As well as who signed my initials on the power of attorney that XXXX provided for the loan mod that was done in XX/XX/XXXX why the loan done in XXXX TX, why did XXXX, XXXX trying to hide this information from nationstar mortgage and us. Why is it that XXXX gave us a case number for the investigation that they were going to do when none was done. How can XXXX people that were deceased sign quick claim deeds for a loan mod. And how can they adjust the loan payment to reflect the loan mod if no paperwork was officially signed by all parties. And now why is nationstar wanting a loan mod done on this loan and us to provide info on the loan with XX/XX/XXXX-XX/XX/XXXX tax statements when they didn't take over the servicing right till XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This is the 3rd time I have made a mortgage payment and the servicer called me back to statemy payment was returned due to a bad account # and I have 2 late payments on my credit report as a result. I called and made a payment and noticed that the payment had not been removed from my checking account. I called back and spoke to someone and he noticed that it was not removed and he reran and gave me another confirmation # of XXXX XXXX. XXXX XXXX, I received a call that my payment was not received therefore I spoke to XXXX XXXX - manager and she stated she would put in for the credit corrections due to an issue with their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
My Loan was sold from XXXX XXXX to Nationstar in XXXX of 2014. Before the sale could be complete XXXX paid all property taxes that were past due and for the next XXXX month 's. This was not at the request of me. I had already worked with the city to make monthly payments to get my property taxes current within a 12 month time period. After Nationstar took over the loan they want one full year of escrow to catch up the payments. After 30 hours on the phone with Nationstar and XXXX we worked out an agreement to add it to the mortgage payment and pay this back over a 1 year time span. During the time I continued to make the mortgage payment for the amount I had always paid XXXX. Once this was agreed upon I started making payments for the new agreed upon amount. Seemed good for a minute but the phone calls kept coming and now they were stating we were 1 month behind. After reviewing the payment confirmation numbers with Nationstar we figured out that the last payment I made to XXXX should have went to Nationstar. I got Nationstar and XXXX on the phone together and got them to recognize this. But still the phone calls keep coming. I have confirmation numbers showing all payments have been made but everytime I talk to them the amount we are behind keeps getting larger.My mortgage payment is already 30 % largerthan it used to be and they still say we are behind but ca n't explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SECURITY FINANCE CORP
State: ID

Complaint narrative:
First, when I called Maverick Finance in XXXX Idaho, to make a payment they refused it stating it was n't enough money. Second, After calling me several times a day for weeks I asked them to quit calling and harassing me on 3 separate occasions. Thirdly, they have started coming to my home, yelling at me and demeaning me and demanding money that I do not have. They repeated that any money I could offer was not enough for them. They are bullying me and trying to intimidate me at my home. In my opinion them refusing payment means they do not want my money, they just want to abuse and bully me. I am now scared to answer my door, and my kids going outside for the fear that they might harass my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services
State: MO

Complaint narrative:
I am getting calls from a collection agency. The calls are left on my answering machine and threaten legal action and prosecution if I do n't return their calls. I call and explain that they are trying to reach my ex-husband 's first wife. They were marries in the 1970 's. That I never met the woman. That I have been divorced from my ex-husband for more than 10 years and have no idea where he is or his former wife. 
She never lived in the home that they are calling, never lived in the city they are calling and never had the phone number they are calling. 
I ask them to take my name off the information that they are using to reach this woman. Sometimes the caller is friendly and apologizes and agrees to correct their records. Sometimes they curse at me and tell me that they know I am that woman and that they will have me thrown in jail. 
I received two calls this week from the same collection agency. I called them back and the man I spoke to was rude, loud, and used abusive language, threatened me and then hung up on me when I was trying to explain this situation. I immediately called back his extension and it went to voice mail. I left him a message and told him that I was not the person they were looking for and that I did not want to be called again. I was not rude or profane.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Home Mortgage dba as America Servicing Company is put on notice to produce sufficient documentation proving they have the '' right to foreclose. Proof of documentation established through proper assignments of forms showing original wet ink contracts not copy of contracts forged by MERs. Again I am respectfully demanding that the Wells Fargo Home Mortgage dba America Servicing Company bank show Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. 

A complete statement proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. Please arrest these people for fraud. 
Please arrest these people for fraud. A full copy of all United States Postal mailings dates through mail. All USPS checks/money orders returned to me. I am requesting these all my payments be returned to me. A payment was made to this account in the form and a USPS money order and it has not been applied. This is a felony. This bank has been fined for predatory lending and violation of federal law, false reporting by the FTC and I have not received my funds from the settlement.All money returned to me in the form of money order. All these documents must be produced and notarized and must state under the PENALTY OF PERJURY.

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 2016-11-28 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have a vehicle loan through wells Fargo Bank and I finally got my first statement after 9 months and I owe more on my vehicle now then when I got the loan I pay XXXX a month and statement says XXXX plus goes to principal so why is my loan high now after 9 months they never send receipt there XXXX me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank is funding their payment of the setttlement by systemetically sequencing deposits and debits to incurt the maximum amount of overdraft fees, I was charged XXXX for a XXXX recurring debit to XXXX XXXX XXXX and a utilty payment to XXXX for {$49.00} and another {$35.00}. That represents interest at the rate of almost 36,500 % on per anuum basis.

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 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo is charging me for XXXX overdraft fees instead of just XXXX. On Friday, XXXX/XXXX/16 at approximately XXXX, I had approximately {$1000.00} in my checking account. at around XXXX when I checked again, XXXX items had come in electronically. XXXX was for {$20.00} XXXX return fee, and XXXX was for check # XXXX for {$36.00}. That left me with a balance of approximately {$990.00}. When I checked my account again at XXXX, the balance was still at {$990.00}. I checked my account again at approximately XXXX check # XXXX came in for {$1400.00}. That would cause my account to overdraw and leave me overdrawn for {$430.00}. 
I made a deposit on Monday Morning for {$340.00} which should have left me overdrawn for about {$92.00}, Well Fargo charged me for XXXX overdraft fees of {$35.00} each which left my account overdrawn for {$190.00}. I should only have been charge for XXXX overdraft fee for the check that came in for {$1400.00}, not for the XXXX items of {$20.00} and {$36.00} which came in in the morning when I had {$1000.00} in my account,!! 
Wells Fargo does this all the time, and it is called " re-ordering '' meaning how they process things for payment so they can maximize overdraft fees!!!!! You could also look at this case as a " high to low '' checking incident. I want to know how a bank can charge you XXXX overdraft fees, when clearly the XXXX electronic items that came in in the morning were covered by the funds in my checking account!! 
I am willing to pay the {$35.00} fee for the check number XXXX for {$1400.00} which caused the account to overdraw, but not for the other XXXX. I want {$70.00} returned to my account. 
I wrote to Wells Fargo about this, and got the usual explanations about how they process transactions, which makes no sense ( except to them )! 
They have now passed my case to their executive office. 
Why are they allowed to do this? 
I believe that they were sued about this, yet it continues!! 
Why are they allowed to charge fees of {$35.00} for overdraft, when it clearly does not cost that much!!! 
I am grateful to them for covering my checks ( most of the time ), and I am willing to pay the fees for that, as I have in the past, but I am not going to pay fees to cover items that I had money in my account for at the time they were presented. That is criminal. I do not know how they can do this, and have been allowed to do it. 
I am a XXXX XXXX XXXX woman who works XXXX jobs to support myself and my XXXX XXXX XXXX XXXX mother. I can not afford these fees. I am paying out of my own pocket at least {$200.00} per week for a caregiver for my mom while I am at work. 
I need this money returned to my account, and I am turning to The CFPB for help with this. 
This practice needs to stop. 
Thank you, XXXX 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 monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I live in Florida. Have a mortgage with Wells Fargo. Have constant trouble with them saying I am short in my escrow payments. I ask for a full accounting of that and they send me copies of statements that sometimes match and sometimes do n't match the ones they have sent me originally. I recently sent a written dispute to them about it. They replied saying that they researched the situation and it is not wrong. That the error has been " rolling over '' since 2011 and even though every year I am asked to pay extra escrow - it never catches up. Each year my statements show a positive balance and then all of a sudden a negative balance. My principle and interest is {$600.00} a month at now 4 % My house taxes are $ 100 month. My insurance escrow is $ XXXX month. Each year they send a letter stating that they need an extra $ XXXX {$250.00} due to a negative escrow balance of {$6000.00}. If I am paying the amount my insurance costs and my taxes cost XXXX how in the world am I short {$6000.00}. 
And if they require me to pay an extra {$200.00} each month every year XXXX how in the world am I short {$6000.00}. I have seen several things that Wells Fargo has been in trouble in the past for fraud for 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 2017-02-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been locked out of my Wells Fargo online accounts since the evening of Sunday, XX/XX/XXXX. I am told this is a matter impacting many users. XXXX was to call back an update my status, but they have not done so. The tech support team does not answer their line.

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 2016-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I 've asked Navient ( formerly XXXX XXXX ) for XXXX things : 1. ) to have my cosigner released from my loans, and 2. ) to be provided with amortization information on my loans. Navient has denied both requests, for reasons that have not been made clear. There is no reason why my cosigner should not be released. I have paid as agreed on my loans for the entire time I 've been paying my loans, and I 've never defaulted. I formally applied to Navient to have my cosigner released and they denied my request, in writing, but with no reason explained. Also, there is no way to obtain amortization information for my loans. I 've asked Navient through their message center and was told that the information " is not available at this time. '' These practices are wrong. I 'm looking for information on the terms of my loan, which they refuse to provide. I 'm not looking to lower my payment, I 'm not looking to get out of my payments, and I 'm not looking to change the terms of my payment plan in any way. I 'm simply asking Navient to release my cosigner because there 's no reason for her to continue to receive correspondence from them or be bound to my loans, because I 've paid as agreed for the entire term of the loan thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo, XXXX Iowa XXXX. 
Opened bank account. 
The clerk and did not let me read any of the documents because they were on her computer screen and are only printed after you sign. 
I did not receive adequate explanation about fees, ended up closing the account which involved standing in line again and a waste of time. 
When closing the account I asked why was n't I notified about the fee details or allowed to read the paperwork and was told that it is a nationwide bank policy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I had a successful Navy Federal Credit Union account from XXXX to XXXX. Unfortunately I fell victim, and prey to identity theft, which my accounts closed, inactive, dormant. My line of credit was terminated and moved to consumer loans in the amount of XXXX, and my credit card maxed out to XXXX as a charge off. Due to this mishap, and veteran identity was compromised from my access # XXXX the only remaining account is my savings where I can deposit money in the account only with no access to other accounts. 
A representative made contact with NFCU Security where I have a level XXXX on my so called delinquent accounts since XXXX/XXXX/XXXX. Navy Federal Credit Union sold my accounts to XXXX XXXX, and also to XXXX XXXX. I think I disputed these companies in the past with no such luck until I came across CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells fargo failed to close accounts I had closed 15 years ago and they claim someone charged {$1000.00} worth of XXXX on a card I closed years ago, I do n't even have an XXXX, and they put this on my credit report. 
Firstly it 's a fraudulent charge I never did. Secondly that card should have been closed anyway. I have not had anything to do with WF since the bailout. Please help my get them out of my life Completely.

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 2016-10-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Back in XXXX, I was working with a gentleman by the name of XXXX XXXX from Wells Fargo while looking for houses. He told me I was pre-approved for a USDA loan of up to {$100000.00}. I found a house for well under that ( {$64000.00} ) In XXXX and began the process of applying for a mortgage. The closing date was set for XXXX. I had signed a loan estimate stating I was going to need about {$4500.00} for closing costs the end of XXXX. The amount of money I was going to need to close kept changing per XXXX and XXXX. One minute I would need {$4500.00}, the next it was {$6000.00}, then it was {$7000.00}. This continued to happen even after I signed the Loan Estimate. They all promised I would not need the entire amount, but I was to have it handy " just in case ''. I had decided to get a second opinion from another mortgage company. The gentleman there looked at my estimate and noticed quite a few unnecessary charges that were tacked on in random areas. He also noticed it was not a USDA loan, like my pre-approval letter stated. This estimate was for an FHA loan, which is why my closing costs were suddenly going to come out of my pocket. Unfortunately he was unable to help with getting me a mortgage because he would need to delay the closing date. Since the house I had wanted was a bank-owned home, delaying the closing date would cost me {$150.00} a day. Three weeks before my closing date I called XXXX because I had not heard from him or the Mortgage Consultant ( XXXX ) in two weeks to see the status. XXXX had told me he had quit over a heated argument with his boss and was no longer with the company. I was to report to XXXX from now on. XXXX was very hard to reach via phone or email. Once I finally had gotten a hold of her she told me I was STILL not approved for the actual mortgage yet, and the underwriter was requiring me to submit unnecessary paperwork such as my New York State LVT license. Even though I had not been approved for my mortgage yet, they had already ordered for me to pay for the appraisal on the house. XXXX finally called me back on XXXX/XXXX/16, she stated that the underwriter will not accept my mortgage contract unless I have {$11000.00} for closing costs because they will not approve me for the mortgage unless my personal loan of {$3800.00} was paid off in full, which has been on my record for 4 years now, and XXXX was well aware of when I was pre-approved. I do n't understand how the prices of my closing costs kept changing, and how I was even pre-approved in the first place. Since I was two weeks away from closing on this house by now, I was forced to forfeit the home. Being a first time home buyer I have become very nervous about buying my first home and I will not even look at homes from now on because of this experience.

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