vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a co-signer on my son 's student loan. During the consolidation process Well Fargo advised us not to make a payment, and that a late fee would be assessed. After the loan was consolidated, I called to have the late fee reversed it was not. The inclusion of the late fee caused the principal balance and the minimum payment to be greater than it otherwise would have been. I have been repeatedly promised that the error would be corrected. It has not, the inclusion of the late fee causes all future payments to be incorrect as well. In addition, there is no way to set up automatic payments, or access account information without my son 's permission even though I am a co-signer on the loan.

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 2016-09-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have been charged erroneous late fees multiple times from wells fargo. They continue to do this and refuse to remove their mistakes.

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 2015-12-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: NC

Complaint narrative:
My complaint is about Professional Financial Service. They refuse to give me that information. I 've had problems with this company before. I had to call my local whistleblower to get my car back. They illegally repossessed my car and then tried to charge me XXXX times the amount that i owed. This was all over insurance no missed payments. I paid what was owed minus the tow fee which the President said i could pay at the end of the term. I have paid my car off and as of today i have not received my title. To make matters worse they charged me a extra XXXX in late fees. When i call the company there very rude and dont want to listen. I asked if they could switch payment dates to the day i was paid and they refused which they have a right to do. I had XXXX late payments per there contract if the vehicle is used for personal, family, household etc ... the late payment should not be over XXXX. I use the vehicle for all of the above. For XXXX late payments the fee should have been XXXX which i paid at the end of my term a long with the tow fee and the last payment for the month. This was all paid in the month of XXXX. I received a phone call after that saying that I owed a extra XXXX. When asked why she was rude and said they charged me interest on my late fees. I told her thats not what the contrat stated. She said pay the fee or there coming to repo the car. I paid that fee also. I have no clue of what that was for but i paid because i know they will come get your car. I have a copy of all my money order payments and a copy of there contract. My insurance agent also notified them that i had insurance yet they was still charging me for that also. I have all documents. As of today i have paid all fees and fees that i was not suppose to pay and I still dont have a title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is my mortgage servicer and they are attempting to foreclose on me with out due diligence. They have not demanded me or given me any notice of default but are saying that they can use a demand from 12 months ago. I have been blocked from making payments and they are not willing to negotiate with me regarding any remedies.

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 2017-02-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Bonial & Associates, P.C
State: CA

Complaint narrative:
Hired a retired XXXX and Attorney that determined mortgage fraud took place. Hired a hand writing expert that determine Corporate Assignment of Deed of Trust was done fraudulently, so forfieted notary bond to XXXX and no longer is notary. XXXX determined for last XXXX years XXXX of XXXX has been practicing law from the bench an high misdameanor. Also not XXXX form or Judiciary Bond on file as required. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX BANK, XXXX, AND XXXX., AND XXXX BANK, FSB, AND XXXX WERE all put into a government conservator-ship. This process was set up from the Builder XXXX. and XXXX Using XXXX Mortgage, INC. ( XXXX ). and XXXX MORTGAGE, INC. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/2004 has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then XXXX year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from HEDMANS. 
We should be able to file a claim against XXXX XXXX, XXXX, and Corporate officers XXXX, XXXX, AND XXXX, XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim. 
XXXX XXXX XXXX, TX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Military XXXX XXXX XXXX move. We could n't sell the house so we leased to own. The leaser stayed for 6 years and left the home in poor condition. We are not able to continue payments or fix up the house to sell. We are currently in a review for mortgage help based on SCRA. In the mean time, our past due pmts are being reported and our hard work to build credit has been quickly taken from us. We pay on time and are good citizens. Now because we serve our country we get to deal with this. I am sorry we ca n't make the payments on the past house and our current house. I wish we could. If we did n't have to move, I would 've done everything I could to take care of our obligations, and I thought I was. Now we are stuck receiving minimal help and poor credit. Embarrassing!

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 2016-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo, where I 've held a business acct for 12 years, is holding {$1000.00} of XXXX of my deposits made on XXXX XXXX, XXXX until XXXX XXXX XXXX. 
The original check was for {$6000.00}. They released {$5000.00} after 2 days but will hold the remaining {$1000.00} for 2 weeks. I asked why and was told " Oh there are many various reasons like where the check came from, the amount of the check, any problems with the account, etc '' I have had this same client for 12 years and have deposited his checks at Wells Fargo for 12 years. Why, now, are they holding {$1000.00} of a deposit for 2 weeks. My client told me the bank already withdrew his money from his account. How do they have the right to give me NO DEFINITIVE ANSER? The girl at the bank shrugged her shoulders and said " Sorry for the inconvenience ''. I do n't believe it. They already have a history of using depositor 's money to open fraudulent credit cards. They refused to release the funds even though they already have the money taken from the bank that issued the deposit.

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 2015-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a checking and savings account with Wells Fargo Bank. They approved my application and opened up my checking accounts. A few days later they closed them with no explanation. I do not think it is right for them to approve and open checking/savings accounts and then close them within a few days. If Wells Fargo finds information on a customer that does not meet requirements for the bank, then they should not approve them at all. I was really needing this checking and savings account and they have not practiced professional business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I HAD TO FILE BANKRUPCY XX/XX/XXXX AND XX/XX/XXXX. I DID GET BEHIND IN MY MORTAGE PAYMENTS. WI TH WELLSFARGO. INSTEAD OF WELLSFARGO HELPING ME MODIFING MY LOAN THRU HAMP, WHICH EXPIRED XX/XX/XXXX. THEY USED THE HARP WHICH REALY I DID NOT NEED TO BE IN. I NEED A JUDGE TO ORDER WELLSFARGO TO GO BACK AND SEND MY LOAN THRU THE HAMP PROGRAM. OR I WANT TO SEEK LEGAL ACTION ON MY LOAN. I HAVE BEEN IN MY HOME SINCE XX/XX/XXXX. 
I AM NOW PAYING A 9.25 % INTEREST RATE. CAN YOU HELP ME SEEK LEAGAL ACTION., I HAVE A LOT TO TELL YOU ABOUT MY LOAN IN PERSON. WELLSFARGO DID NOT TREAT ME RIGHT UNDER THE SONSUMER FINANCE ACT. I AN NOW UNDER CHAPTER XXXX TO KEEP MY HOME. I ALSO HAVE A CREDIT OF {$330.00} FROM A CLASS ACTION SUITE , AND THEY WILL NOT GIVE IT TO ME. I ALSO HAVE ANOTHER CLASS ACTION SUTE, ( NOT GRANTED YET ).

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 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Inadvertently missed a mortgage payment at Wells Fargo. Received +/- 15 robo calls at all hours. On picking up and saying hello, the line went dead. Finally, on Sunday XXXX XXXX, a live person was there and explained the issue which I corrected online immediately.

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 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
CFPB, I am a US service member currently located in XXXX. I lived in XXXX XXXX till 2009 and XXXX to XXXX, XXXX XXXX, a XXXX in XXXX, back to XXXX, and I currently reside in XXXX since that time. During this time I have attempted to first attempt a home modification with Wells Fargo and was rejected. I then tried a short sale with Wells Fargo, had a buyer and then was rejected. I currently rent the home out for XXXX but am making payments of XXXX. I always wanted to keep this home that 's why I first wanted a home modification. I spoke to them about the Home not being an investment property and the modifications to the SCRA in regards to homes for military home members but that went on deaf ears.

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 2015-11-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has refused to link student loan account information to my online login so that I may access and gather information relating to balance and payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union knowing there was a class action suit againsr them which i remember applying but cant find my paperwork.Garnish my wages at the time i was unrmployed and had XXXX dollars in the bank.I was getting unemployment and social sercurity it is the only money i had.The bank XXXX Bank allowed them and charged me bank fees for garnishment and return check fees. I was not informed. In advance the XXXX XXXX XXXX navy federal refused to take my calls. I had to go to court and pay to file papers to get the garnishment off my account. My orignal balance for a credit card was XXXX now it is at XXXX dollars.I have been unemployed since XX/XX/2016 the law firm of XXXX XXXX XXXX PA XXXX Fl has call me every month asking for payment. I had to close my account at regions because i am afraid they will take my social security benefits my unemployment has stop after XXXX weeks. I am concern now with the information i am working. they will take my money again. I have not been able to pay my mortgage and my utilities bills on time .I lost my car and life insurance because i am not able to pay the installments.I know there is a class action suit against them and they know it but continue to harress me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
In XXXX, I took my Daughter to XXXX Hospital XXXX XXXX. I did not receive a bill for her visit until XXXX. I called and disputed that the amount had not been properly reduced per my agreed insurance plan- XXXX XXXX I was told the amount was correct for XXXX, but XXXX told me it was incorrect and should be XXXX. Mercy told me to dispute with XXXX. i did and thankfully XXXX was able to help me and I later received a bill form XXXX in the amount of XXXX. I asked to set up a payment plan and was told i could do so, but never received the paperwork. In XXXX I received a debt collection notice from ARSTRAT. I contacted ARSTRAT and they refused to provided validation of the debt. All they woulod tell me was that it was XXXX XXXX. They claimed that the debt was valid because they sent it. They would not provide any information or a contact at XXXX to verify the debt. ARSTRAT also misrepresented the amount I owe. They told me on the phone that it was XXXX. This is not the amount XXXX was seeking. They told me that XXXX sent this amount to ARSTRAT and that is the amount I owe. They then proceeded to give me a fake XXXX Phone Number. I spoke with XXXX and XXXX, out of the XXXX ARSTRAT office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the fifth time I must dispute this same bad debt. Upon attempting to dispute on this occasion Phoenix Financial Services has made it increasingly difficult for me to dispute this debt as they have three times over confirmed to XXXX that the debt they claim I owe is current, active, and legitimate. This is not true. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file. The same debt continues to appear on my report from different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are dishonest practices. This has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports. Attached to my precious complaint against XXXX you will find a picture of a communication from the original creditor evidencing that I in fact owe {$XXXX} associated with this original debt that incorrectly keeps reappearing on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: OK

Complaint narrative:
Hi, I did sent mony from XXXX to XXXX {$1200.00} but the system exchange it to current currency and I called customer care to cancel the order and I got approved for that. Four days later I called back WU and they said it is not canceled and we give you points for next transfer. The problem is that the receiver can not get that money because it is not in Dollar. I want you return the money back or make it Dollars. I have called many times and these are the reference numbers XXXX - XXXX. They said the receiver must reject the money first. The problem is that the reciver is not even know where it is. The bank and WU in XXXX says no money come yet. Now, I need a solution or I am going to sue you next week because of difficulties in my business. I do n't respect that happened to me in my first time I use WU. please cancel the order as I requested before on time and return the money back so I can find a better way to transfer or make change to the money to be received on Dollars. Again, receiver can not find it. 
XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This complaint is against OCWEN Loan Servicing , LLC who has once again filed to foreclose on my property on XX/XX/XXXX despite numerous complaints filed against Ocwen for violations of the NMS, the XXXX Consent Orders, TILA, RESPA, FDCPA, FCRA, and the CFPB Guidelines for Servicers. Despite various complaints regarding the property at XXXX, XXXX, XXXX XXXX, including an illegal lending transaction, robosigning, and innumerable violations of the above court orders, laws and regulations, Ocwen persists in refusing to respond to detailed complaints with proof attached, and is trying again to foreclose again which makes 8 times in just over a year which shows the desperation Ocwen has to create a legal document regarding the property that to date does not exist other than my Warranty Deed. All other docs in the chain of title are fraudulent. 
For this attempted FC Ocwen did not send the 14 day notice prior to FC, and its attorneys did not send the notice of FC within 30 days under state law. 
Ocwen ignores the illegal lending, void transaction in the initiation of the mortgage by a company that was not incorporated and not licensed as a lender. Exhibit B-C-D. 
Assignments in the chain of title are blatant robosigning documents as shown. Exhibits G-H-I & O. In fact Ocwen robosigning has continued unabated since XXXX, Exhibits G-H-I-O. 
Extensive complaints have been filed by me against Ocwen for its specific violations of the NMS and the CFPB regs and Dodd-Frank with very specific cites to violations of TILA, RESPA, FDCPA, FCRA, without any response from Ocwen other than general denials. See Addendum Exhibit Numerous violationos of state laws and cases have been submitted to counsel for Ocwen with no response whatsoever. XXXX Letter & Addendum Exhibits Extensive violatations have been noted of Ocwen 's violations of law re suspense accts, escrow accts, application of payments, and proper credit by Ocwen 's own admission Exhibit E. 
Ocwen uses an illegal and inaccurate demand letter dated XX/XX/XXXX which incorrectly states amounts supposedly owed, which figure Ocwen has changed numerous times but has never sent anything like a accurate statement of account demand in violation of law and regs Exhibit L A settlement letter equivalent of a loan modification was sent directly to Ocwen and its attorneys but has never been responded to in over a year. Exhibit F Ocwen has engaged in regular, constant and consistent violation of the required conduct of the NMS, the XXXX Consent Orders apparently believing they can do so with impunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NH

Complaint narrative:
I made the decision to use WESTERN UNION to transfer {$500.00} to a stranded friend in XXXX, XXXX XXXX. She was homeless, no cash, and with her young son. The WESTERN UNION Website advertised that they would be able to get it to her same day. IT HAS BEEN 6 DAYS SINCE I SENT THE MONEY!!! AND MY FRIEND IS STILL WITHOUT IT!!! I have called and written with no resolve. SHAME ON YOU WESTERN UNION!!!!! She has all the necessary ID and numbers needed. They use the excuse of being a chain and not having control over their vendors. THAT is CORPORATE XXXX!

Company response to consumer: Closed with explanation