vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I contacted Wells Fargo to see if they could compete with an auto loan offer I received from a credit union. I was assured that they would be able to offer a loan at or below 3 %, I made sure this was the case before proceeding with the application. The loan was approved, but at 5 %, rather than the promised 3 %. I feel I was misled into applying for the loan that was not desirable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My loan and the escrow account was established XXXX XXXX, 2015. In XXXX I was advised my new escrow payment would be going up to {$470.00} from {$310.00}. They have made several errors even paid my insurance company three times in error. I have asked for an explanation and a compromise, their explanations have been from none to very confusing.

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 2016-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX/XXXX/XXXX, I contacted XXXX XXXX to refinance my current home owner 's mortgage and obtain cash back. I took advantage of their Nationwide advertisement since both my husband and I are XXXX veterans. I spoke to XXXX XXXX, Account Executive, XXXX XXXX, XXXX. He again initiated a new application, although, I already had a previous application with one of the loan specialist name, XXXX. During our phonecon, XXXX XXXX ask me questions about my loans, whether we were veterans of the Armed Forces, employment, financial, income, interest, etc. I provided him information to include the mortgage which was paid off to Wells Fargo in the amount of XXXX in XXXX XXXX, XXXX, on our XXXX, Hi former residence. After the mortgage was paid off with Wells Fargo, I contacted the Wells Fargo Home mortgage department and informed one of the representative to ensure that my credit report was updated. XXXX XXXX told me to hold on so he can check my credit report, then he returned and informed me that my loan was denied. I inquired as to why the loan was denied, and he told me that it shows that I was 120 days late and in foreclosure with Wells Fargo. I informed him that I was not in foreclosure, and told him that the mortgage loan was already paid in full. Wells Fargo failed to update our credit report upon my request in order to remove the 120 days and foreclosure in the credit report which is currently affecting our credit scores and preventing us from obtaining a loan in order to refinance our joint current mortgage which we have been paying in " Good Faith. ''

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 2016-07-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Financial has been reporting a negative " LATE '' payment to all of the credit reporting agencies since XXXX of XXXX. During the month of XXXX XXXX I did n't receive that month 's bill ( not by email or US Mail ) somehow they forgot to send it to me that particular month in question. I just so happened to review an online statement that showed a Late Fee assessed to my account ( which was specialized account connected to a purchase from a company named XXXX XXXX and financed via Wells Fargo [ opened XXXX XXXX, XXXX ] in the form of a credit card account ) ; so I immediately contacted Wells Fargo XXXX XXXX XXXX and filed my initial complaint in efforts of reversing any possible damage to my credit and fee assessment. Okay, the fee was credited back to me and I was told that nothing was or will be reported to the major credit reporting companies ( not to worry ). Well the only truth to that statement, was that I was reimbursed the fee that was assessed ; but they to this day continue to report that I was 30 - 59 days late to all the credit reporting agencies. I even disputed this with Wells Fargo on a formal level and they still have n't changed anything. My argument is that I was given back any alleged late fees and told this would n't be reported ( they lied to me plain as day ). I frequent the app ' XXXX and to this day my FICO score is a little above XXXX - NEVER EVER BEEN LATE in paying back any of my creditors and was excused by Wells Fargo, yet they still plague me with a negative blemish that haunts me to this present day and that 's noted on my reports as the only damaging entry ( absent of that, I 'd have a PERFECT credit rating ) .... 

*This in my second time placing this complaint, I just completed this entire form and was at review - after reviewing it 's content, approved it then hit " SUBMIT '' I got an system error message telling me to press the BACK button which erased my entire complaint content - I 'M 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 2015-11-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
A couple of years ago I took out a loan from a company named Cash Central. They ceased communication with me about a year ago but within the last few months XXXX XXXX XXXX has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other numbers they have called but they 've never left a message on any other number since I told them not to call me at work. They may be calling my cell phone from spoofed or unavailable numbers but because I get a lot of telemarketing calls unless I know the number or someone leaves a message I do n't pick up. It seems like calling from spoofed or unavailable numbers and not leaving a message is an attempt to skirt debt collection laws. Because this company has violated the FDCPA and admitted to it on their recorded line I want them to close my file and never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 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: AR

Complaint narrative:
Current loan servicing company will not honor my previous MHAMP agreement due to payments not being received in the required time frame by MHAMP guidelines. Payment were not able to be paid by required time frame because loan had been transferred XXXX times since XX/XX/XXXX, thus causing issues in making payments to the current servicing company by required deadlines. Will provide documentation as to issue, dates, etc. when needed. Account was first being service by XXXX XXXX and was transferred to XXXX XXXX XXXX on XXXX. I received notification from Nation Star of transfer the end of XXXX 2014. I contacted the new servicing company and they did not have my loan details yet. On XXXX I spoke with a supervisor is their department regarding the letter I received which showed all my loan information was incorrect. He advised me to wait another week and check back again. During the interim, he sent request to delete late charges as I was within my first XXXX days of transfer to a new servicing company. He also stated that I could pay my account on line when I get paid on XX/XX/XXXX. After confirming deposit for self employed funds were received and posted to my bank account I logged into their system to make a payment. I am attaching the email I received as proof that I logged in to create my account and make payment. However, my account was still incorrect and showing that I was XXXX delinquent and their system would not allow for me to make a XXXX month payment as previously directed. I contacted XXXX XXXX XXXX XXXX directly on XX/XX/XXXX and explained this issue. I made payment by telephone which cleared my bank account on XX/XX/XXXX. This issue caused me to become over XXXX days delinquent on making payments and thus made me ineligible for the deferred principle write off that was to be completed XX/XX/XXXX. I filed request with XXXX XXXX in regards to this issue and never received a resolution prior to my account being transferred yet again to another servicing company effective XX/XX/XXXX. The servicing company was Bayview Loan Servicing which is the current loan serving company. I again filed request and was denied. I filed an appeal and was since denied again due to not meeting the required payment guidelines. I am attaching proof of this final request with both of their denials stating this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I am not being allowed to make money transfers by Western U. 
No reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Tried to get a {$150.00} money order cancelled from Western Union Company but they said they could not do that and I explained it got lost are stolen and gave them number for money order and said no guarantee can get refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I have a Charles Schwab checking account and brokerage account for more than one year, and one day, they suddenly think I am doing fraudulent things and they closed all my accounts later. I did n't do anything illegal at all, I ca n't endure it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
Attorney debt collectors are attempting to collect a debt that is not mine and can not furnished how I owe them under the law. I do not have to communicate with them as they have not given me the required original documents of how and why I owe them. The debt is not mine.I am really poor and have no money and a XXXX I do n't have money and I can not pay for a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I 've been harassed by this company for 3years. They removed funds from my XXXX account, and they 're still harassing me. The gentlemen basically threatened me today, disclosing information that 's none of their business. The number that called was XXXX, and I 'm on the " do not call '' list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
This is an addition to an original complaint case # XXXX The $ amount first stated was in error. The correct shortage $ amount is {$36.00} Received $ XXXX from XXXX XXXX Trust from a XXXX Account on XX/XX/2016, deposited check on XX/XX/2016 to XXXX XXXX XXXX, XXXX withdrew {$600.00} from my account on XX/XX/2016 check cleared XXXX XXXX Trust and re-deposited to my account on XX/XX/2016 in the amount of {$560.00} XXXX XXXX charged an additional {$13.00} for XXXX XXXX XXXX for handeling but did return that fee after arguing the fee charge with them but denied any knowledge or involvement with the missing {$36.00}. After further investigation I have reason to believe Western Union Business Solutions have there hand in that missing money. I was not aware of any fee 's or deductions from the original {$600.00} there was NO explanation on the shortage what so ever and I did not agree to any fee 's associated with this. I want this money back. As far as I am concerned it was taken ( stolen ) from me illegally, not only do I want it back I would like to press charges against the perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 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: PA

Complaint narrative:
I got another statement today with funds misapplied again. I am attaching the statement I received and I had to call to have the funds properly applied. I had another complaint filed and they continue to misapply funds and I have disputed their findings on your website. I ca n't get any results. Someone has to challenge them to do things correctly. I ca n't get them to contact me and get anything right. My previous complaint was [ Case number : XXXX ].

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
Please see attached letters in regards to my attempts to have my escrow account cancelled. This began XXXX of XXXX. They did not respond to my letter and I sent a follow up letter. Their response for not cancelling the escrow was simply put as " they received the loan like this ''. That is not a legal reason to not cancel my escrow account. When I called and complained they acknowledge that I have the right to cancel my escrow account if it is in a positive balance. They just paid out taxes and the homeowners insurance and my balance is negative, so until I can have a positive or XXXX balance they can not cancel the escrow. I made my payments and in XXXX of XXXX I sent a letter explaining that in one more payment I will have a positive balance, please cancel my escrow. They never responded, I called they said they did not receive it, I could fax it. I faxed it to both their customer service and real estate tax bill departments on XXXX. I called on XXXX and talked to a supervisor name XXXX. She confirmed the receipt of the fax. I received a letter in XXXX explaining they received my inquiry and are working on it. I called on XXXX for an update and spoke to another supervisor XXXX, she explained that she shows no record of any letter in regards to cancelling my escrow account. she was polite and gave me a fax to her and said she would make sure it got to the correct department. I faxed it to her and talked to XXXX in her unit XXXX who said it was received and sent to correct deparment. In XXXX I receive a letter from Bayview stating that since I did n't send paperwork for a modification of my loan, I am no longer qualified for a loan modification. XXXX XXXX I called and was told that was a separate inquiry and that they were still working on the escrow response, should be soon. XXXX XXXX XXXX I called for an update and was told that they have no letter asking for escrow to be cancelled. I spoke to a supervisor named XXXX who said that they have nothing, I asked to fax letter to him so he could get it done because in XXXX they will pay out again and I will be short and not allowed to cancel. He explained that he does not have a fax and stated I could fax it myself to them, offered me the number. I could also mail it. I have attached copies of my letter. I want Bayview to cancel my escrow immediately and I want it done before they pay out taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: US MORTGAGE CORPORATION
State: OK

Complaint narrative:
I contacted a real estate agent at XXXX XXXX XXXX in XXXX, OK about a HUD property. XXXX weeks after signing contracts the agent ( XXXX XXXX ) " quit '', said I was reassigned to another agent ( XXXX XXXX ) and they referred me to US Mortgage. I had a preapproval from another lender who required utilities on during inspection so we could n't move forward. Other concerns followed but concern now I escrowed monies to pay for plumbing as part of the FHA loan. This was financed in my FHA loan ( XXXX XXXX, 2015 ). Almost XXXX months after loan closed the plumber called me to report he had not received his payment. I contacted XXXX by phone and email to find out why this amount was not paid and for documentation where all monies I escrowed in were applied. She said she would follow up, contact me next day but she has not called me, nor the plumber back. This was typical ( not calling back - ever ) throughout the loan process. I 'd call agent at XXXX XXXX with question, agent would say for me to call the XXXX at the mortgage company. I just waited until I closed not to lose the property or my earnest money. This time however the plumber is calling me about payment I paid at closing. I would like to know who else to contact so I can file a complaint. I 'm not sure if US Mortgage is local ( XXXX ) I never went there nor could find an address online or correspondence. Faxed and Email everything. No one showed up at closing - the agent nor mortgage company. XXXX 's name then reappeared on the closing documents ( XXXX months later ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Several months of repeated phone calls, some with automated voice message, from a company called Penn Credit Corp. I gather they are a debt collection agency. I have no idea what this is about. 
They have not communicated with me by any other means. I sent them a " Cease and Desist '' letter by certified mail on XX/XX/2017. 
I received a signed receipt dated XX/XX/2017. The phone calls have resumed. In my letter I told them I would contact the FTC and the Florida Attorney General 's office if they continued the phone calls. They were requested to provide my letter to the company for whom they are collecting, so they have notice of my dispute. All this to no apparent avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
With regard to Case number : XXXX United Bank locked up my account. 
Peoples United Bank returned only half my fundsPeoples United is still assessing their gratuitous feesMy XXXX does n't understand that this is just another reason XXXX. 
I am XXXX years old and I do not deserve to be treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Credit Card does not reveal the APR when signing in for activity or paying. 
No where on the internet account is the information. It requires a paper statement ... 
All other information available, APR hidden. These accounts are variable interest rates, and hiding the rates is wrong. 
On some accounts I can download pdf of previous statements, which include the information ... but this one DOES NOT & gt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
My employer transfered my salary through western union on XXXX XXXX has yet to credit my account. After many calls and lies ranging from the money was stolen by the bank and is in my account I find out that the western union in America still has not transfered the money and it with them. A second payment made a week later turned up in my account this week. Wu who denied having the payment now admit that it was their mistake. How can I make a complaint and ensure that western union are made accountable for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MI

Complaint narrative:
Check smart is calling my place of work and when I asked that they stop they refused, telling me to call a different office but refused to provide that phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
I do have ins with my employer and I have the flexible spending acct. I do not owe any medical bill for {$50.00} I have asked for proof that this is my debt and they have fail to do so.

Company response to consumer: Closed with explanation