vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
initially, i took out a payday loan with netcredit and I was unaware their interest rate was 99 percent which made it impossible to pay back. In addition, the amount would be double the loan amount and online payday loans are illegal in the state of Virginia. Net credit is affiliated with Nc Financial Solutions, LLC operates as a subsidiary of Cnu Online Holdings , LLC. They are not XXXX accredited and these companies are clearly crooks, unethical and practices illegal actions targeting consumers. Lastly, it does not matter whether a debt collector is legitimate which they are not. A legitimate debt collector who collects an illegal internet payday loan can get sued under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello, On XXXX XXXX, I electronically transferred some money from my Wells Fargo Business account to my Wells Fargo Checking account via my web account. Just so you now, these are linked together online. The reason I made the transfer was to cover a subsequent electronic payment of estimated quarterly tax to the IRS the next day. 
When I logged in to my Wells Fargo accounts online, I discovered that my Checking account was in the red because there was insufficient fund in my Checking account. Payment went out to the IRS the next day as expected, however, money was not transferred from my Business account as I earlier requested online. So, I immediately went ahead to electronically transfer funds from my Business account to my Checking account in order to more than cover the shortfall. I then called Wells Fargo to alert them about this incident. After about 30 minutes on the phone, they confirmed that there was indeed a glitch on their system on XXXX XXXX and/or XXXX. When I asked them why they did not take steps to inform their customers about this, they said this information is only shared with customers who called in to complain. I was surprised by this statement. I further asked them to ensure I am not charged an overdraft fee as they typically do when there is insufficient fund in my Checking account, even if there is sufficient fund in the Business account. This is another issue I 've raised with them on a couple of occasions. However, they claimed I could not automatically link my Business account to the Checking account for overdraft purposes, despite the fact that I was the sole owner of my business and solely operate the Business account. They informed me that I would have to manually make transfers online whenever I expect a shortfall in the Checking account. Anyway, going by to my first issue, I found out on the XXXX of XXXX that I have indeed been charged an overdraft fee for insufficient fund in my Checking account on the XXXX of XXXX, despite the fact that this was entirely Wells Fargo 's fault. I am very inconvenienced by this and would like action taken to ensure this does not occur in future. Thank you for assistance. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been working with a client beginning back in XX/XX/XXXX. He was finally approved a trial loan mod in XX/XX/XXXX. The first pymnt wld be due on XX/XX/XXXX - XX/XX/XXXX. His new payment wld be {$500.00} down frm {$650.00} originally. XXXX XXXX is XXXX and only has XXXX XXXX for income. The same month he was given the trial mod ; he got hit with a child support garnishment from XXXX and they garnished {$360.00} from his XXXX of {$970.00} leaving him with only {$610.00} to live on. There was no way he could make the {$500.00} payment at this point ; so he turned down the offer. XXXX XXXX appealed to XXXX and they reduced the garnishment down to {$75.00} a month. By the time this appeal was completed and the garnishment was taken care of it was too late to appeal and ask them to go ahead with the original loan mod. So they made us reapply and subsequently they turned him down stating he did not have sufficient income to make the original trial payment that was offered to him. There was only a {$75.00} difference in the income once the child support issue was taken care of from the original income submitted for the loan mod request. They denied him XXXX additional times, stating he did n't have enough income to qualify then said the final time nothing had changed since the prior denial so they would not look at him for a second change Hamp Tier II ... This situation was totally out of his control and he was blind-sided by the child support. If thy could approve him once for {$500.00} why can they not offer it to him again. The {$75.00} difference would not have kept him making this payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CrossCheck, Inc.
State: LA

Complaint narrative:
A company called " XXXX '' attempted to take {$200.00} out of my checking account. In addition they attempted to take {$25.00}. These attempts were made simultaneously. Two weeks later I started receiving calls from XXXX XXXX XXXX XXXX at my job and the caller claimed that they were attempting to collect a debt. I immediately asked for the details in writing and they stated that they had sent a letter. They had not. Each time they called I requested the details in writing. They claimed they sent it. I never received it. I stated, " if that is the case, FAX me a copy of the one you sent. '' They refused. I told them if they could not send it in writing, that I did not believe they were a collection agency but a scam. I asked them to stop calling me. They continued to call me every day for weeks. On XXXX/XXXX/15, nearly two months later, I received a letter from XXXX XXXX XXXX, a unregistered collection agency claiming I owed a company called CrossCheck, Inc. the {$200.00}. I have never done business with CrossCheck, Inc. XXXX Louisiana Revised XXXX XXXX requires collection agencies to be registered. ) I have sent them a dispute letter since receiving their letter. ( I can prove the calls via cell phone records. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
my wife and I have a XXXX loan. We have never missed a payment.When my wife and I signed the papers we were told it was a fixed rate mortgage. It was not explained how the interest was applied. Interest goes up just about every month. We have requested a modification numerous times, to no avail. We borrowed {$200000.00}. Upon request of the doc 's we learned that the amount that we have to pay over the term is {$480000.00}

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 2016-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dear Board : In XXXX a series of emails ( XXXX ) went between my email and XXXX XXXX, an investment company in XXXX, requesting a distribution of {$35000.00} from my retirement account. I never initiated these emails nor were they visible in my email program. XXXX distributed the money by wire to a fraudulent account in a XXXX Wells Fargo account. This account was set up with my information but another name on the account, unrelated to me. I was made aware of this when I received a letter from XXXX acknowledging the distribution. I emailed, then called immediately denying that I had requested this payout. XXXX was made aware of the error/theft and I immediately went to our local Wells Fargo bank with the police. A search warrant was issued and the money/wire transfer was traced. 
XXXX, Wells Fargo, and XXXX have fraud teams working on this and to date I have all but {$4000.00} back in my account. However, several regulations were broken. XXXX is obligated to confirm by phone that I had requested this. They did not. The hacking of the email appears to be from their end, not mine, per the forensic IT department that I hired. Wells Fargo did not do their due diligence in setting up the fraudulent account. How can an account be set up with my credentials in XXXX in XXXX? Then they accepted a wire transfer with my name on it into an account with someone else 's name on it. Our local police say it is out of their jurisdiction now since it crossed state lines. So who is tracking the criminal? 
No one has assured me that I will recover all my money. No one is taking responsibility at being at fault. But both companies did not follow regulations and rules. They need to be held accountable.

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 2015-07-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a bank account with Wells Fargo, through which I also had a linked credit card that had a " protection plan '' on it for if I was ever hurt or laid off, and therefore unable to make payments. After years of paying the fees for it, when it came time to use the service ( I was laid off ) they made one payment for me then refused to pay any more. I sent in the appropriate paperwork then XXXX letters requesting the service be turned on, before I finally had to file bankruptcy and lost everything I owned. This was not my only credit card at the time, but it was one of the few with payment protection and it could have made a large difference, especially because I ended up being overdrawn and losing the bank account due to their overdraft fees - they would not stop charging against the account, *even after it was closed*. I never received a single response to any of the letters I sent requesting the service I had paid them for years for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was informed that I had a bank account opened in my name in XXXX, California since XXXX. I could'nt get any information from Wells Fargo outside of confirming that I 've been having this account and they allowed me to open another account. Checking and Savings in XXXX in XXXX. I called Wells Fargo to get information regarding to my other account to no avail. I was told it is a substantial amount. I just want information regarding the funds that mysteriously came up missing and was never returned from a Mortgage company.

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 2015-07-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
I was fitted for a XXXX brace with a prescription. They called my insurance company and agreed the insurance company would pay 50 % because they were out of network. My insurance company ask them several times For documents which they did not provide. Because of the time gone by the insurance company closed the case. The company has called me many times. I offer to pay them my half and they refused my payment method. I believe they gave me a more expensive brace than what was prescribed. Once again I did offer to pay my part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is my third attempt of trying to get my inquiries removed from my credit report. I have previously submitted a request through XXXX, and Transunion acknowledged that I was affected by the system glitch. I requested that all inquires be removed. When I called in after about 30 days, because the inquiries were not removed, the representative told me she could see where the inquires needed to be deleted, but asked me to call back and tell her which ones. I am requesting that my report be updated with the inquires removed. I currently have a fraud alert placed on all XXXX credit bureaus. I have also made several attempts to have my name updated on my credit files, but have not been successful. Please see my license an SS card in the attached documents. I would like my name to be updated to 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 explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, 2012 a line of credit was opened in my name and within several days I received a Wells Fargo " Platinum Card '' credit card in the mail with a line of credit shown to be {$5000.00}. I did not formally ( nor informally ) request an application for this card or apply for it. However, I did receive a " cold '', unsolicited phone call from a Wells Fargo Representative either on, or several days before XXXX XXXX, 2012 during a time which I was at work. I answered the phone because it was a number I did not recognize, and explained to the representative that it was during the work day and therefore not a convenient time for me to talk. The Wells Fargo representative asked if he could " send me some information ''. I told him that would be fine, and hung up the phone. Several days later I received a physical credit card in the mail with additional information about my new " account '' which as I mentioned I had not applied for. I also noticed the new credit account show up as a new line item in my online banking interface, alongside my other Wells Fargo accounts ( at the time, only XXXX debit account and a savings account corresponding with the debit/checking account ). After receiving the physical credit card in the mail, it sat idle and I did not activate it until XXXX XXXX, 2012 ( due solely to the fact that I was planning an trip abroad later that month, and felt it would be helpful to have a line of credit to fall back on should any emergencies arise ) -- This credit card I received from Wells Fargo was my first generic " credit card '', and prior to then my only credit card accounts were XXXX and XXXX XXXX branded cards, and an XXXX XXXX XXXX XXXX XXXX ( no line of credit, just a charge card ). All of that said, I have used the card since having activated it, but have always felt unsettled by the fact that I never requested it, and frankly was entirely baffled as to how this could have happened. After hearing about the recent allegations yesterday on the news outlining circumstances which sounded very similar, I wanted to share my story. At the very least, I take solace in knowing my experience was not an isolated issue. I plan to look into this further and obtain any other pertinent details ( for example, who exactly called me and why this occurred ). I would greatly appreciate any further clarification, potential resolution, or to be pointed in the direction of someone designated to assist with this particular situation. I am a resident of New Jersey, so if there are state resources I can contact I am happy to get in touch.

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 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank has repeatedly refused to modernize their online banking security. This leaves their consumer vulnerable to breaches that could occur even if the customer themselves is very careful with their security. In particular their site violates the latest FFIEC Guidance on cybersecurity found here : XXXX.pdf In particular, as laid out in the Information Security Booklet the FFIEC provides XXXX They are in violation of procedure # XXXX on page XXXX : Confidentiality of passwords and shared secrets ( whether only known to the employee/customer ). 
The shared secrets they use are commonly found on social media sites, these questions ( mother 's maiden name, city of birth, school mascot etc, ) are widely known. 

M & T Bank also violates procedure # XXXX Determine whether all authenticators ( e.g., passwords, shared secrets ) are protected while in storage and during transmission to prevent disclosure. 

M & T Bank allows internet browsers to store password and user information, and does not have password entry on a separate page. They do not offer XXXX factor authentication, nor do they have image verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was preapproved for a loan from Wells Fargo and went under contract to purchase a home. 
Wells sent went on to send me my mortgage estimates, conducted the home appraisal and lead me to believe the loan was being approved by underwriting up until 8 days before the close. I have all documentation of correspondence and am considering legal action as well for financial stress on me, my family and the seller.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Client is on Deed along with her mom and dad. There is a first mortgage that she is not listed as a note holder, there is a 2nd mortgage where she and her mom and dad are all XXXX listed as note holder. Mom and Dad have both passed away and daughter applied for a loan modification made 3 trial payments & was then advised that thy cld n't proceed with perm mod due to title issues. That was XX/XX/XXXX. We spent the whole year working on getting an assumption with a simultaneous loan modification. In XXXX a new trial mod was offered and an assumption package was sent as well as the closing documents for the loan to be transferred to the daughters name. Then in XXXX after making the 3 trial payments and all the paperwork being signed the lender transferred the loan without completing the permanent modification and closing the deal on her assumption even though thy had been sent everything and it had been verified through the lender that all required actions had been taken. Now the loan has been transferred and they are not honoring what the original lender started and should have finished. We are now after a year having to start from scratch all over again. Client had a tpa from mom prior to her passing and now XXXX is refusing to speak to her because she is not on the loan and there was no probate since she is the only heir and the property was already deeded to her. Her 2nd mortgage refused to modify the payment even though she had gotten a loan modification on the first and they have set a foreclosure hearing for XX/XX/XXXX. The tax value on the home is {$140000.00} however, it is in extreme need of repairs and she owes {$86000.00} on the first {$45000.00}. They denied her assistance due to negative cash flow. However, with the first mortgage payment reduced down to approximately {$350.00} if they adjusted the payment on the XXXX it would have been affordable.

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 2015-10-09 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NM

Complaint narrative:
On XXXX XXXX, 2015 Recieved a call @ XXXX XXXX from ( whom I thought was ) XXXX XXXX ( XXXX ) He briefly stated he was in jail in XXXX XXXX, NV and needed bail. He stated he was in an accident and was hit by a XXXX woman but failed a XXXX test. He stated I would recieve a call from his attorney XXXX XXXX ( XXXX ) from XXXX XXXX in a few minutes. I told him no problem and waited for the call. XXXX XXXX XXXX called me @ XXXX XXXX and explained the jail circumstances and I agreed to post bail for my friend. Bail was sent to XXXX XXXX in XXXX. He explained this was a normal procedure to send funds XXXX and the he needed only the tracking number which I provided after the transaction was complete. One hour later, XXXX XXXX calls and asked for an additional amount to cover an out of court settlement that he negociated with the woman. The woman was planning on suing XXXX XXXX. XXXX XXXX said she would sign a statement to not file suit if a settlement sould be made. I agreed to pay only if the woman signed a statement to agree not to file suit. XXXX XXXX agreed but no statemnt was sent to me. The last I heard of XXXX XXXX. I have since tried to call XXXX XXXX several times but I believe my phone numbers have been blocked. I contacted My friend XXXX XXXX this am only to XXXX it was not him involved in any of this. Hence, the filing of this complaint. Please call or email me to advise. XXXX XXXX XXXX XXXXXXXXXXXX. Thank you

Company response to consumer: Closed with explanation