vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Greetings, We are in a Foreclosure of our home which we have owned for almost eleven years. 
Previously, We had an incident which put us in a Foreclosure status ( my dad was in XXXX different hospitals for almost eight months, until he passed away ). 
At that time, ( XXXX/XXXX/XXXX ), we " Reinstated '' our mortgage and paid XXXX ( {$23000.00} ). 
We are now dealing with my husband being unemployed after thirty four years at the same employer, and my real estate business had declined. 
I submitted all the requested documentation to apply for a HAMP, and my mortgage company, Wells Fargo, denied the request, stating we had already received a HAMP modification. 
My understanding is monies are not requested nor given to the Mortgagor/Servicer when a HAMP modification is received. 
Today, I received certified letters stating our home is in Foreclosure and a Sale is imminent. 
On XXXX XXXX, XXXX, I faxed a letter to Wells Fargo requesting the documentation showing we had received the HAMP modification. 
As of today, XXXX XXXX, XXXX ( over two months ) and I have not received any documentation pertaining to a previous modification. 
We do not want to lose our home, and would appreciate greatly acting on our behalf. 
Thank you kindly in advance, XXXX, Ca. XXXX XXXX cell Wells Fargo/American Servicing Company Loan # 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 2016-07-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
In XX/XX/XXXX, my private loan held with XXXX XXXX XXXX was passed off to a debt collection agency due to me not being able to afford the expensive amount XXXX XXXX XXXX wanted all at once. 
In XXXX XXXX, I joined with a company by the name of XXXX XXXX XXXX and I was under the impression that my loan was receiving the XXXX that I was paying them a month. 
XXXX XXXX XXXX turned out to be a scan as well. 
I then reached out to XXXX XXXX XXXX and they made me aware that my loan was now in the hands of Patenaude and Felix. 
Patenaude and Felix is the company in which I would file this complaint with ; I was in communication with them before they were ever in communication with me in regards to my loan. I began talking with them XX/XX/XXXX consistently trying to negotiate an amount that would be affordable for me to pay every month. I originally thought XXXX would be affordable but after discussing with my husband what amount would be best every month, we discovered that XXXX per month is too much. I spoke with Patenaude and Felix making them aware of this and they have been very adamant that I MUST pay XXXX per month, Meanwhile, I have been concerned about the derogatory marks on the credit reports of my grandparents ( my co signers ) and have been trying to find out what to do and where to go. XXXX XXXX XXXX advised me that the attorneys and XXXX XXXX are the people to discuss payment options as well as credit reporting and all to find out that XXXX is XXXX XXXX XXXX and when I call them, they tell me that they are unable to help me. 
I am aware that this debt NEEDS to be paid and I want to pay it but I CAN NOT afford XXXX per month. I was told that I could make " good faith '' payments toward the amount owed, but it would not be reflected on the credit reports of my grandparents not myself. I was also told by either XXXX XXXX XXXX on Patenaude and Felix that my wages could be garnished as a result of not paying my debt. However, I am NOT ignoring my debt! I just cant afford the amount that is being dictated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Closed my Wells Fargo Credit card in XXXX they still ran a credit history which gave a hard hit on my credit score. I was issued a new credit card based on this hit in end of XXXX without my concern and knowledge. When I tried to call them and ask why am I receiving this card now since I canceled my Credit card in XXXX they just replied me that we will cancel it and do n't worry about the card just throw it away. Before I ask any other further question about my credit score the customer service agent just dropped the call. Please help me close the account and dispute the hard hit on my account.

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 2016-12-16 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO

Complaint narrative:
According to XXXX Management, I am in a collection status for a payday loan that was taken out on XXXX XXXX at a Cash Central Location. I have never been to a Cash Central location, nor have I ever received any payday loans. I have taken online installment loans. But all those accounts have been paid in full and I have verification of it. One of the references they stated I put down was an ex-significant other. I asked them to send a copy of the Notice of Collection, and received nothing. I have tried to ask them for as much information so that I can try to verify exactly where this debt might have come from. They continued to say that I was " refusing to pay '' but I just wanted verification of the debt. I refuse to pay for a debt that I did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: AE

Complaint narrative:
I 'm currently serving overseas and I have used Western Union since 2007. I 'm now being subjected to constant stoppage of my transfers by western union and told it 's because I 'm a long time customer. I 'm made to wait on the phone for up to thirty minutes or I 'm disconnected and have to go through the same frustrating procedures over and over again. Why does WU treat their loyal customers that way? especially it 's military customers who are overseas and have to rely on WU to get money promptly to their families? It is very frustrating to have this stoppage every time I try to send money to my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
I recieve a call about getting Grant money to my account, they ask for a fee to do transfer, I sent them {$220.00} from with Western Union track # XXXX, after I sent them the money they did not transfer and ask for more. They have me call this number XXXX and the reciever is XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: NM

Complaint narrative:
The woman I talked to was rude! I simply asked where the debt was coming from. All I had was a statement not from who it was from. I know it 's medical related, but I did n't know from where so I could n't deal with the situation. I talked to my insurance and they said I needed certain information in which the lady could n't provide me with it. I think if you 're trying to collect then you should do a better job!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
Charles Schwab has placed a hard inquiry on my XXXX credit report when I applied for the checking account which is not a credit card or a loan product. I did not ask Charles Schwab to extend any credit to me in any way. Lots of banks make soft inquiries on credit reports for products that does not extend consumer any credit ; however a hard inquiry was not mentioned in the terms nor was it necessary especially I did not request any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Bayview Loan Servicing charge extra interest including unsubstantiated fees to payoff loan when loan was re-financed to XXXX XXXX. 

The principal outstanding was : {$300000.00}, however interest of {$2300.00} was added on although this interest only loan 's monthly payment was already made and some additional charge ( fee ) of {$660.00} was added in. I received a check from Bayview for only {$350.00} leaving {$2700.00} to still be refunded. I contacted Bayview several times starting on XXXX/XXXX/2016 but have received no response. 

From the attached payoff letter sent from Bayview to XXXX, you can see they have added in interest again on the loan ( {$2300.00} which the calculation does n't even add up ) of which this interest was already paid ( The refinance closed on XXXX/XXXX/2016 ) You can also see that there is a {$660.00} amount added on which violates the mortgage agreement as there is no condition that occurred that should have imposed such a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
My debit card was stolen. When I notified the company, they told me because the thief used my PIN that all charges were not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 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: CA

Complaint narrative:
To Whom It May Concern : My circumstances have increased for the better, yet my lender is refusing to work with me at all. They have even discouraged me from making mortgage payments. I was injured on my job as XXXX in XX/XX/XXXX. Since, then I have been struggling to keep my home. Now, I can afford to pay the mortgage, yet the lender did not want me to start making payments and when I did make a mortgage payment, they informed that it would not count towards my principal balance, but would be held in a separate account ( Please see the below listed letter that I recently sent to them ). Also, I have my original emails and Hardship Letters, if they are needed for your investigation ). 

Property Address : XXXX XXXX XXXX XXXX, Loan Number : XXXX XXXX XXXX, CA XXXX Hi XXXX and Hamp Escalations, I just left a very detailed voicemail for XXXX XXXX at ( XXXX ) XXXX asking again when I can expect to receive the below listed documentation. 

I also mentioned that, once again, there should not be anymore negative reporting to any of the credit bureaus, since I made a mortgage payment last month ( XX/XX/XXXX ). 

After speaking with a real estate attorney, my mortgage payment should not have been reluctantly received and placed in a separate account, as explained to me by XXXX XXXX XXXX. It was very difficult for me to even make that payment because XXXX XXXX told me not to make the payment because the Attorneys from your ( Bayview Loan Servicing ) litigation foreclosure department was already involved. Then, XXXX XXXX explained further that my payment would not go towards paying off my principal mortgage loan amount, but it would be placed in a separate account. 

So, here I am trying to make a mortgage payment and Bayview Loan Servicing is telling me not to pay my mortgage? It seems like Bayview Loan Servicing is not trying to help me keep my house, but instead wants to take my house from me. 

I have attached my Hardship Letter from last year and I am in a much better situation to keep my home. My home has equity and I am generating more yearly income ( Please see attached documentation ). So, I am having a difficult time trying to figure out why you will not help me keep my home. 

Well, as you can see, I am prepared to fight to keep my home for my family. Especially since my circumstances have improved tremendously! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
I recently executed a Deed in Lieu with Bayview Mortgage servicing ( XXXX XXXX had bought the loan from XXXX ). The date of the Deed was on, or about, XXXX/XXXX/15. I have heard nothing From the servicer or the Title Company since then and can not get them to record the document. 

I had kept the mortgage current for several years even though the property was " under water ''. By renting the home ; I was able to service the debt while still putting in additional cash. This situation became untenable when the loan became amortizing. I offered Bayview the opportunity to move the loan back to interest only and I would rent it and carry it for XXXX more years as the market recovered. They liked that plan but put my through the HAMP program. After months on information gathering, they determined the program was not available to me ... the reasons are still unknown to me. As the HAMP program only allows for interest rate reduction ( ( my rate was 2.75 % ) ; it did not provide me the relief needed to continue. The interest only model would have worked for both me and the Lender but I was told it was not allowed by the CFPB. 
Regardless, the best alternative for me was the Deed in Lieu, I am just looking for them to complete that process OR at least communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
In my recent review of my credit report in XXXX XXXX, 2016. I see that Phoenix Financial Services reporting the same account to all XXXX credit reporting agencies. I request a total deletion under the FCRA. According to my understnading of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing this accounts immediately. 

Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX A XXXX, IN XXXX acct # XXXX I have disputed this unknown medical accounts with the Collection Agency and they provided me witt medical summary charges, they violated HIPAA law. I have proof of it you need me to provide it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2017 I deposited a check into my savings account with the understanding that there would be a hold to confirm if its a valid check. I deposited at the branch of People 's United Bank located in XXXX XXXX, CT on XXXX XXXX through the ATM. NO CASH WAS WITHDRAWN ON THIS ACCOUNT. I later received a direct deposit in my CHECKING account from my monthly annuity. On XX/XX/XXXX I received a letter from the bank with a photo of the company check drawn on a out of state bank telling me the account was closed so the check was not valid. On XX/XX/2017 I present to the branch and questioned why my CHECKING ACCOUNT was frozen and my debit card cancelled. The branch manager ; XXXX XXXX XXXX said it was a fraudulent check and their loss prevention department said close the accounts. XXXX XXXX relayed to me that I would not be able to open an account anywhere because I am now looked at as being a fraudulent depositor and it will be reported to XXXX. He advised me to go open another account at a different bank ( i.e ) XXXX XXXX before he closes the People 's Bank accounts. I asked him how can it be fraud if no funds were withdrawn and the purpose of my depositing the check into my savings was for the purpose of being classified as fraud. Today, XX/XX/2017 my funds into my checking account have not been released and i was refused to contact Loss-Prevention to further remedy this problem. 
I would like this matter to be resolved and not flagg as a fraudulent bank depositor and not report me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
The loan agreement when I signed up for it was suppose to be paid once a month in the amount of {$140.00} and they are taking it every paycheck which is every two weeks, the other agreement when I applied was the pay back amount was going to be {$540.00} on a {$400.00} loan which is now closer to {$2000.00}. These are not the terms I had agreed to and they did not inform of such changes, I feel I was mislead and scammed, they completely changed the agreement and I 'm being told there is nothing I can do about it. Furthermore they say they are on tribal land so the laws do n't apply to them. The company is called Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I took out a payday loan with a company called CashNetUSA in XXXX. There address is XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX. There telephone number is XXXX. This is an online lender. 
During the time I took the loan, I had changed employment which has now affected my income and paydates. I am paid XXXX monthly. When I realized that I would not be able to pay the high interest to extend the loan for another XXXX weeks I emailed the company explaining my situation to and asked them to change the due date that I would be able to meet. The notification went nowhere with them and they have debited my checking account twice adding insufficient fees to my account. 
They have called me and they just do n't listen. I have every in tention of paying them back but will never do business with this firm again.In my opinion these payday loans should be illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Integrated Recovery Services
State: CA

Complaint narrative:
I received a call from a woman stating that they have a " pending claim '' against my XXXX checking account ; some sort of " bad checking ''. No name of the lender or anything is given. She states that I have some charges pending against me as to what they do not give. These people have called my dad as well as my sister under the business name of Integrated Services at XXXX. I looked up this number on another web source and other consumers have had the same issues with these people ; they harass, can be rude, and have multiple numbers in which they have used. I believe they are attempting to fraudulently collect monies from me and/or my bank through old payday loan information they obtained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened a bank account at a local wells Fargo Bank, and yes I am a victim. 
The bank account I was told had to ave a savings account attached but it would not be debited unless I overdrafted or failed to have XXXX withdrawals from checking in a calendar month.Then through stupidity I bought something on a pop up and although my account also said nothing would be taken from that saving account to cover the overdraft and there would be no fee for being overlimit on my account if it was under {$5.00} they took it from my account and although the vendor gve me a credit the money was never put back in my account then they started taking money from the account for fees, an account I did n't want in the first place. then they told me that unless I added more money to my account it would be closed. Then that money was suddenly gone, the day after XXXX was put in. The documents attached to my statements disappeared. Then the statements disappeared and they were supposed to be there for 7 years. I called the number on the back of their card and they told me the money had been taken to cover an overdraft on a previous account which was totally wrong and she was supposed to have a copy of that pre vious account e-mailed to me and the line went dead. Nothing was ever e-mailed to me and I have no idea what they are talking about since when I left their bank previously to go to XXXX XXXX it was because they had without notice closed my fiances account and left him with no way to get his social security check, Guess they get their money any way they can. I was very irritated at the girl I was talking to on the phone and said no wonder you are always in trouble with the fdic, and she said they weren'tI I told her two weeks ago that I was going to make a complaint, and within a day or two we heard the news about firing XXXX employees at wells fargo and they were being fined a very large amount. 
I told the lady when I opened the account that My income was very low and could not afford to lose any to fees. She said it would be taken care of within a month they were taking money from my savings, All of the problems below were part of the problem, they would freeze my debit card because I spent more than the alert I set up and they sent me an e-mail that did n't say I had to respond, so I 'd be out for lunch with no way to pay for it. That happened twice on this account and at least once on the last one

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