vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
I am so sorry to have to contact you again, but I am having an issue again with the debt collector MACHOL & JOHANNES, XXXX XXXX XXXX, XXXX XXXX, XXXX CO XXXX. XX/XX/2015, you assisted me in reaching settlement with this debt collector. 

At that time, I informed XXXX XXXX XXXX, that I could give them {$4000.00} to clear this debt and remove the lien from my home. XXXX XXXX spoke with his supervisor and was told they would only accept {$7000.00} to clear this debt and remove the lien. I did n't have that amount so I settled for payments of {$100.00} a month, beginning XXXX XXXX, 2015, with no interest being charged. I have never missed a payment. 

On Friday, XXXX XXXX, 2015, I called XXXX XXXX XXXX at ( XXXX ) XXXX, and informed him that I now had {$6000.00} to be used to clear this debt and release the lien on my home. I told XXXX XXXX that his supervisor wanted {$7000.00}, but I asked XXXX XXXX to ask his supervisor if he would accept the {$6000.00}. XXXX XXXX said he would speak to his supervisor and would call me back, and could he leave a message if I did n't answer. 

I did not hear anything from XXXX XXXX, so on Tuesday, XXXX XXXX, 2015, I called XXXX XXXX and left a detailed message for him to call me back with an answer regarding the {$6000.00}. 

I got no response, so on Thursday, XXXX XXXX, 2015, I again called XXXX XXXX and left another message for him to call me back regarding the {$6000.00} to clear the debt and release the lien from my home. 

As of today, XXXX XXXX, 2015, I have not had a response from XXXX XXXX by with a phone call, message, or by any written communication. All I want, is to know whether or not they will accept the {$6000.00} to clear my debt and release the lien on my home. How hard is it to answer that question? 

Thank you in advance for any assistance that you can give me in this matter as I ca n't seem to get any type of response from this debt collector. /XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In XXXX 2016 I responded to a message from Wells Fargo regarding a graduate student loan that would come due in XXXX 2016. I requested re-consideration of the rate of payment or some kind of concession based on my extreme change of circumstance. I recently lost my husband, who was the sole income provider for myself, and my daughter, a XXXX. 

Wells Fargo suggested a loan modification. I began the process shortly thereafter filling out many forms, documents and sending endless faxes, which was not only demanding at this difficult time in my life, but full of contradictions at all levels of communication. Little in the process was ever transparent. 

Finally they contacted the co-signer, without my knowledge, well aware that he was a mature man just recovering from a XXXX, I did not wish to burden him. They disregarded this and astoundingly invented a statement they claim he made. Based on this the modification application was denied. I still do not fully understand or accept the reasons behind this decision. The facts so obviously attribute to the need to apply in the first place. 

The outcome and handling of the process was not only de-moralizing but the result was disturbing. I not only feel that the effort made over many months offered no resolution or compromise and looking back it has been victimising, from the initial hard sell to the onset of re-payment. 

I was concerned about adverse credit reports regarding the loan and constantly phoned in to discuss this. The advise the modification team gave was that " it would not help my case if I was seen to be making payments '', Based on this, I decided to wait for the written result about the modification application, which I have not yet received. 

The disregard for my personal situation continues. I now get endless phone calls from the collection department insistencing that the loan is two months over due. It is not. Over the past two weeks I have had about 15 phone calls-today alone 5 calls. Sometimes there are recorded messages asking me to hold the line up to 15 minutes. Often no-one answers. 

In all of this I only asked for consideration for a lowered monthly payment of $ XXXX-XXXX to help me get through this trying period of financial hardship. I am not sure where to go forward from here or where to turn for help.

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 2016-09-26 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I attempted through Western Unions online website to send {$150.00} on XX/XX/2016 to a person in the XXXX. Western Union told me that they would not process the transaction for " security concerns '' but would not tell me what those concerns were. However, they still took the money out of my account ( I used a debit card ), and have yet, 10 days later to return it there. 
As you can imagine, this is quite a swindle they have going on. With hundreds of thousands of transactions if you play this game with a percentage, and then get to hold onto the money for weeks, you can gain substantial use of other people 's money. 
This is the exact equivalent of stealing someone 's car under false pretenses, and then returning it only weeks later and acting as though that is not pure theft. 
In order for you to receive a valid response from WU here is the MTCN number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have been working with a loan modification point of contact by the name of XXXX XXXX @ XXXX I have left her 5 messages and no return call so I called her mgr whom is XXXX XXXX @ XXXX left him 3 messages no return call I spoke to a lady at a Wells Fargo Branch In XXXX IN today and she told me on XXXX XXXX my home was put into Foreclosure with no notice from WF that my modification was denied not a phone call about it. Also no mail or phone call that it was put into foreclosure. I have been in my home for 28 yrs and been with WF for 20 yrs and I am all of a sudden getting treated like this. I have XXXX equity in my home and do not want to move or loose my home with this kind of equity. I ca n't refinance with another company because we are behind 13 months no company will do it. I have heard WF has lawsuits pending against them for foreclosing on people 's homes without cause or working with their clients. I have worried so much about this that last 7 months that 's how long it took the modification for them only to come back and say we were denied due to FHA guidelines that you can only have XXXX modification. I. A 2 yr period which I do not remember having another XXXX in this time frame. I would appreciate it so much if you can help me in any way possible. I am XXXX and do n't want to loose my house at this age and start over. This all started cause my husband had XXXX and was off work for 3 months with no pay so I talked to WF right away for help and of course they do n't care if we loose our home Thx again XXXX XXXX Loan # XXXX Phone number XXXX Available after XXXX eastern time

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 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Phoenix Financial Services LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
My transaction was decline not only by western union. also I tried XXXX, XXXX, XXXX and all decline my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Servicing rights to our account were transferred to Bayview Loan Servicing effective XXXX/XXXX/15. The first mortgage statement we received from them was dated XXXX/XXXX/15. The account balances quoted on Bayview 's statement did not agree with our own records. Our records are built on a document called " Simplified Transaction History '' sent to us by the president of a prior servicer. He assured us that this " Simplified Transaction History '' was an accurate representation of our account as of a given date. We based our records on this Simplified Transaction History and recorded all of the account activity since that specified date, thereby developing an up to date record of our account. Upon receipt of the mortgage statement from Bayview, we submitted a " Qualified Written Request '' disputing the balances shown on their statement dated XXXX/XXXX/15. Enclosed with our QWR we submitted ( a ) a copy of the Simplified Transaction History sent to us by the prior servicer ; ( b ) a copy of the letter from the president of the prior servicer stating that the Simplified Transaction History was an accurate representation of our account on a specific date ; ( c ) a copy of spreadsheets distributiing the entries in the Simplified Transaction History to each entries component parts ; and ( d ) a copy of a spreadsheet recording all of the activity on the account after the specified date. Bayview 's response to our QWR was dated XXXX/XXXX/15. Their response did address the Simplified Transaction History. Their response did not address the letter from the president of the prior servicer. Their response mentioned our spreadsheets only to say that the resulting balances did not agree with their own record. They did not identify any errors whatsoever in our records. With respect to their own records, they did not provide and documentation showing how the balances in their statement was developed. We have written them several QWR 's and letters but they refuse to address our disputes in a meaningful manner. 
Bayview 's correspondence states " Bayview Loan Servicing , LLC is a debt collector ''. Since Bayview has not ceased collection of the debt, we consider them to be in violation of the Fair Debt Collection Practices Act. Since Bayview has not corrected their records or provided an explanation of the discrerpancy between their records and our records which are built on documents sent to us by a prior servicer, we consider them in violation of RESPA. Such disregard of the statutes governing their activities can not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a re-fi loan on my home with Navy Fed. Union the loan application took over 8 months with multiple problems and issues. I am a XXXX service XXXX and within the last 3 yrs XXXX these people told me in the beginning that I did n't have a VA loan I submitted XXXX mortgage applications I finally signed the papers to finish the loan process but I was unhappy with the new higher interest rate. I believe all paperwork for this loan over the last 8 months should be reviewed by the Bureau as the whole process has been very stressful for me and they have not resolve any of my complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
The purpose of this complaint is to voice my concern over an allege fraudulent account that may have been opened in my name. 

Additionally, I have had a mortgage account with Wells Fargo for over 20 years. Just recently I experienced several set-backs with my finances and asked them to work with me in a possible " loan modification ''. Wells Fargo refused and requested that I seek out other Government Agencies for help. Since I have been a loyal customer with Wells Fargo, I want your office to intervene in processing my request for assistance in paying my past due mortgage payment.

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 2017-01-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had previously submitted a complaint loan # XXXX, only to discover today that my interest rate is going up to 5.75 % and then to 6.75 %. This is under the loan modification program where my current rate is 3.75 % and a balloon payment of {$34000.00} for a home currently underwater. I find this behavior unethical, immoral and greedy.

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 2017-02-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased security for my computer in XX/XX/XXXX from a company named XXXX. They did not provide security, they actually put spyware on my computer. On XX/XX/XXXX, I received a phone call from said company, the person stated that XXXX had bought their company and was no longer going to provide security. I was asked if I wanted a refund. I said yes. I was then a victim of their fraud/scam. Somehow they we able to get into all of my accounts with Wells Fargo, transferred money from all my accounts making it look as though they refunded my money. They told me they made a mistake and refunded me {$7400.00} instead of {$740.00}. They told me to withdraw the overage amount and deposit it into another Wells Fargo account, I did so. When I realized that something was going on after looking at all my accounts, they had made several other transfers between my accounts. Within hours I contacted Wells Fargo Fraud Dept.. I have been working with Wells Fargo since XX/XX/XXXX in regards to all this. They are really good at transferring you to several people until you are thoroughly confused and frustrated. I received a phone message on Friday, XX/XX/XXXX at approximately XXXX from " XXXX '' from the fraud dept.. She went on to say that she was ready to credit my account for the refund, but that she wanted to talk with me first. I returned her phone call, but got no answer. I called again on Monday, XX/XX/XXXX, no answer. I left messages both days for her to return my call. On Tuesday, XX/XX/XXXX, her message said she would be gone until XX/XX/XXXX. I then called another customer service number, only to be told by them, that my claim had been denied. I asked " Why did XXXX from fraud dept. call me and leave a message stating that she was ready to credit my account ''? I have been getting the run around the whole time I have been dealing with Wells Fargo. I also have XXXX message saved on my phone. I am a XXXX year old single female and have no one to help me. My life has been turned upside down by all of this and I am in fear of having a nervous breakdown or worse from this. Wells Fargo is now claiming that I owe money on my personal line of credit, my credit card and has reported my name to the credit bureau 's. I am the victim and I did not do anything wrong. One of their employee 's even said to me that I had transferred the money in question, which I promptly told her that I did not. Wells Fargo does not stand behind their customers. They have devastated my life. I am unable to pay my living expenses and am in fear of being on the street with nothing.

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 2015-08-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
This is the XXXX addendum to my XXXX complaint. I returned a call to Wells Fargo, thinking that it was about this complaint. I could n't have been more incorrect. I spoke with XXXX XXXX and was informed that even though I signed all the mortgage documents on XXXX XXXX, now, a month later I still owe them {$640.00} because the title company screwed up the numbers. I was told that I need to call the title company. You can not imagine my level of frustration. To be honest, I am so sick of these banks not being held accountable. 
XXXX they try to take {$2200.00} out of my account that I did n't owe them. Then, they tell me that they had no record of my call to stop the auto payment, then they tell me that I have to call my bank to stop the payment. They then proceed to try and take {$2200.00} out of my account XXXX more times. In the mean time I 've been charged XXXX in overdraft fees and recurring overdraft fees. Oh and by the way, my bank wanted to charge another XXXX for each of the stop payments, which would have been another {$69.00}. Now, this thing about the title company screwing up!! Seems to me that a violation of the Electronic Funds Transfer Act and parts of the Real Estate Settlement Procedures Act occurred here. They keep telling me that I have to fix their mistakes and pay for their mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney XXXX that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with XXXX attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney XXXX to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX XXXX XXXX retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact.

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 2016-10-23 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation