vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Innovis
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX VA XXXXI never authorized ANYONE to access my credit on my behalf and I NEVER APPLIED FOR CREDIT WITH ANYONE, AND I DO N'T HAVE A MORTGAGE LOAN of ANY KIND. 

I wrote letters to all the credit the BUEARUS IF YOU CAN CALL THEM A BUEARU??? and all they do is ignore me and say VERIFIED.I ask them to show me the proof, a request for a loan and signature from anyone any agency and all I get is nothing no reply you are the only XXXX to reply with this lame XXXX letter to contact to contact XXXX XXXX and XXXX XXXX. I will send them a copy of this letter and your letter to remove the UNAUTHERIZED INQUIRES. 

XXXX XXXXSS # XXXXPhone XXXXReason for dispute is your gave access to my credit without my permission and I demand the unauthorized inquires be REMOVED!!!!!!! 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Earlier last year after being contacted about an online business opportunity by XXXX XXXX XXXX I ended up paying them. I am unsure exactly how they obtained my information but since that I feel that I have become a target in what has turned out to be a work from home online business scam. I have now paid {$13000.00} in total to these scam companies ( {$8500.00} to XXXX XXXX XXXX ) Between them and their undisclosed partners with absolutely nothing to show for it.So I would like to dispute all charges from XXXX XXXX XXXX done on my Wells Fargo card. They promised to advertise my website so it would increase traffic and sales. All I have got was a few calls from them for a confusing training. I never had any customer visits to my website like they said I would have and did not make a penny either. They did not provide the services that I was led to believe that I paid for. I have been deceptively sold and am formally requesting a refund for the amount paid to them. I tried to resolve directly with them, I sent them certified letters, sent emails and they ignored my requests.I am reaching out to your agency in hopes you can help me get my refund.

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 2016-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells fargo has taken 6 mos to help me remove their error on my credit. I had a lease with XXXX XXXX, bought it out from them through wells fargo, wells fargo admitted blame in writing ( see Attached ), however XXXX denied the excuse, and I still have a 30 day late on my XXXX credit report. I have emailed, phoned wells over XXXX times and they still havenot helped me at all, its affected my refi on my home at this 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 2015-07-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
My mom 's dog got sick she needed an emergency office visit but did n't have money so I go the XXXX XXXX hospital and apply for a Wells Fargo care credit card. My mom and I agreed that I 'd pay for the initial visit. However I never told the office that was the agreement. They never confirmed or stated that I would be the one paying. So I leave, my mom takes the dog in later. Picks him up the next day. I get this XXXX $ charge to my account so I ask her she 's like I signed an invoice for me not you they got the payment mixed up so I dispute it with Wells Fargo but they said no its acceptable because I signed up for the card the same day even though my name is n't on the invoice and the signature does n't match mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I took XXXX XXXX retail loan which is with WellsFargo bank now, because it offered 0 % interest for 12months.. I was paying more than minimum amount every month without missing. End of 12th month which was 'XX/XX/2016 they charged me {$1500.00} as interest for the unpaid remaining amount is {$3000.00}. I asked them to remove the interest amount so that I can pay {$3000.00} and close the account. They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is re : Wells Fargo & their fraudulent business practices!! A short sale & reverse mortgage on a house in NY has been in full contract since XXXX XXXX ; The Broker has had it on the market for sale since XXXX XXXX ; after the owner passed away ; Finally getting highest & best offer. The Executor has accepted the offer & given the Broker authority to take care of everything. The lawyer for the seller & Broker have sent all docs ; executed contract, HUD, proof of funds, letter of intent to Wells approx. ( 17 ) SEVENTEEN times since XX/XX/XXXX!!! -to which Wells has not EVER responded in a timely manner to the Broker ; '' claiming '' they have not received a doc. to a doc has expired & needs to be updated. XX/XX/XXXX- they told the Broker " any day now '' a " letter to close '' should be faxed & mailed to her-to NO avail-to date!!! This is a disgraceful, unjust debacle on their part against a very patient " consumer '' who has already spent well over {$1000.00} to lock in a decent rate from his bank! To boot- they have sent a " notice to foreclose '', which the Executor is not interested in doing- This is a short sale since XX/XX/XXXX!!! As well, Wells Fargo has changed Rep 's on this file ( 7 ) seven times w/ each not knowing what is going on. The inability for this bank to get this done is absurd!! This is a short sale w/ a ready, willing & able family man who has made the highest offer ; waiting since initial offer was put in XXXX XXXX & contract completed XXXX XXXX. To say that the buyer- ( consumer ), lawyers & I, the Broker are furious and irate at the conduct of Wells Fargo 's bad business practices, fraud and lies is an understatement!!! PLEASE get us a " Letter to Close '' on this house which is deteriorating by the month. This is all the buyer has been waiting for ... PLEASE..PLEASE

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 2016-07-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
For months I been asking for Qualified Written Request from time back in XXXX. I still have not receive anything from Wells Fargo. I receive no letters from them to what I had ask for. Now they have been way pass the 60 days mark from providing me eveything I ask for in the QWR. I needed updated information on my account. Wells fargo is refusing to complay with my request and saying they send me the information on this awile back. Which was years ago. Which is not current information. Nevertheless, they did not provide everything back then on what I requested from in the letter. What was sent to me years ago and not current information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I am a XXXX person who has XXXX XXXX and unable to work. While waiting for XXXX XXXX to finish their case, I applied for a loan for {$1000.00}. My received {$540.00} from them and the letter I received stated I was severely past due.I spoke to their rep, told him once I receive my money I will pay them. I was a XXXX for XXXX years and is certified by the XXXX XXXX XXXX. I sent a certified letter to cease and desist today XXXX XXXX, I was informed payday loans are illegal in the XXXX XXXX Virginia. Please quote me if I am wrong. The bill I received is {$1200.00} and did not receive half of that at all! I am quite upsetwith the system allowing these foreign scammers to continue to do this. Please help, I am in chronic pain daily. no income nothing. I looked at their web site and read all the scam they have done to people that are desparate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to work with Wells Fargo for over 4 years now on a loan modification. I finally hired the XXXX XXXX XXXX and they submitted the loan modification package on XXXX XXXX, 2015. On XXXX XXXX, 2015 they received an email from Wells Fargo asking for additional documents which were submitted to Wells Fargo by the XXXX XXXX XXXX on that same day. The XXXX XXXX XXXX has been calling Wells Fargo for the past two days trying to get information on whether my package will be placed into review for a loan modification and if the trustee sale will be placed on hold. It is currently scheduled for Tuesday, XXXX XXXX, 2015. Wells Fargo will not give them any information and keep giving them the run around. According to the trustee the sale is still active and set for XXXX XXXX, 2015 at XXXX. I do not want to lose my home. I also believe that this is a violation of the California Homeowner Bill of Rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: MI

Complaint narrative:
Although the company received a federal wire from the title company on the XXXX of XXXX, they did not post the payment until the XXXX, charging me for an extra day of interest. Refuses to credit back this overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX major issues that have been poorly handled by this institution. 

Rate lock - From what I understand, they set the expectation with you that they had secured your rate when they had not and it was actually floating. If I am correct, this costed you some money when it was finally locked. 
Zoning Issue - I know very well about this as I helped you resolve it. If I recall, the unit is in a building which was categorized non-conforming due to the possibility of not being able to rebuild in case on catastrophic damage. This lender was unable to solve this and only when I worked through a colleague in Florida was it determined that a waiver letter was acceptable. Based on our discussion, you shared this solution with them and they sorted it out, but they should have been able to resolve without delay and inconvenience to you. 
DTI - In our last discussion, you are now telling me that they are scrambling to resolve a DTI issue resulting from confusion on which debt is personal and which is associated with your business. This should in no way be a last minute issue and should have been resolved at application or after approval, at the very latest. I have not yet reviewed your commitment letter, but I would request it from them as it would have to address this or they are altering a committed deal which is not allowable. In short, if they approved you and told you what they need to close, they can not add items unless your financial situation has changed. 
Blown Dates - Throughout the process, they seem to be stringing you along with consistent unmet promises for dates of approval or issue resolution. This has eliminated your ability to find alternate financing further jeopardizing your transaction and money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
As a XXXX account holder at US Bank, I would like to file a complaint with/against US Bank. US Bank cleared a check where the " pay to the order of '' was blank ; the written dollar amount was blank ; the signature line contained a line with bumps XXXX no representation of the account signature card ) and no endorsement on the back of the check. The date and numerical dollar amount were the only items filled out ( redacted copy of check attached XXXX Account holder checked bank statement utilizing US Bank mobile app and realized that balance on account was suspicious. The US Bank website revealed that an out of sequence check had been presented. Further review of the checkbook identified that the check in question and its duplicate had XXXX been pulled from the check book 6 checks beyond the last written check. No other duplicates had been removed. The US Bank fraud department was immediately contacted, where a hold was placed upon the account. A fraudulent activity customer statement was started over the phone. The representative told account holder to : visit a branch within the next few days ( this phone interaction occurred on a weekend ) to complete/sign the fraudulent activity customer statement ; to contact the security department at work XXXX where account holder believes the check had been stolen from a zippered bag within an employee break room ) ; to file a statement with the police station nearest to work ; and, to have copies of all said documents sent to the US Bank XXXX Department. Approximately XXXX weeks after all paperwork had been submitted, account holder received a letter XXXX copy attached ) denying fraud/reimbursement due to " Customer Negligence '' for not providing adequate security for the account number. 
Account holder visited the US Bank XXXX XXXX and spoke with a manager in an attempt to determine how the check was presented to US Bank for payment in order to update the police report and allow the police to continue any investigation. This manager reached out to one of his fellow associates in the fraud department to request presenting bank information for the check in question. Account holder was informed that the requested information should be received via a letter to her home in XXXX weeks. The branch manager also indicated that due to all of the electronic methods available for presenting a check that when US Bank is presented with a check it has to be paid, without concern for the integrity/completeness of the check. After XXXX weeks, account holder contacted this manager to follow up because no information had been received. This manager called associate back and was informed that the fraud department was unable ( or unwilling ) to provide account holder with this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have negative reporting on my credit bureau. The dollar amount owed and the total amount of payments are incorrectly factored into my credit score which is bringing down my credit score substantially. I use my CC by the recommendation of US BANK and its branch managers as a substitute for my Debit card. My CC type is a XXXX XXXX Rewards card. They insist I use the card because I gain cash for traditional purposes - then with live cash transfers from my checking account I make payments for the full balance every XXXX weeks. I have not paid late in XXXX years and like clockwork I pay of all or close to the entire amount. This means I gain no interest since I pay off ALL transactions within XXXX days prior to the XXXX day billing period. This means less interest. The problem. They consistently show only XXXX payment a month and constantly show I am near or over my limit. If the true calculation is used they would see all Transactions are paid within XXXX days so this is a false reporting showing I am " on time '' with my payments but over my limit which is false. I would know - I used to be a Branch Manager with US Bank and can validate the internal issue IS WELL known however not many customers know how or where to address this. The calculation based on credit score simulations showing the CORRECT number of payments based on the timeline to close each transaction would leave my credit score ABOVE XXXX. This is costly to me as my interest and rates suffer significantly as my credit score is less than XXXX. In addition to the loss of interest rates which should be applicable to me due to my stellar payment history US BANK Branch Managers Insist I continue to use my CC in the manner they suggest as it ( AS THEY STATED ) will improve my credit Standing with US BANK - this is a false statement as they too only look at current credit scores. I have called and have been given the run around for months but am now told to file a complaint. So here it is based on their recommendation.

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 2017-01-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Hello, XX/XX/XXXX someone applied, opened, or attempted to open a loan with your company. As a result your company placed a credit inquiry on my reports even though I was not the person who applied, opened, or attempted to open service. 
As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft XX/XX/XXXX. As a result my credit report as alerts on them until XX/XX/XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
To whom it may concern, U.S bank charged me for overdraft fees and are refusing to return them. I was on the phone with a banker on Monday XXXX XXXX at XXXX Pacific time. My account was not overdrawn and everything was well! On Tuesday XXXX XXXX, I received a call from the XXXX branch, checked my checking account and I have XXXX consecutive overdraft fees for funds that had not been processed the day before even though less than 24 hours before then my pending balances were evened out by the balance available. I went in to talk with them and I was told I can only get XXXX refund. This is not the first time something like this has happened but seriously this time has got to be the worst I have felt ( primarily because my XXXX other accounts with them had more than enough cash!!! ). This is such a rip off, their customer service representatives take no action towards this ( and apparently are not allowed to ) and honestly as petty as this sounds I am flabbergasted at how much this institution 's restrictions and process prove to be incompetent at times. If you know that your bank processes weekend charges much later than other banks then you also should delay on charging overdraft fees instead of ruining people 's financial planning.

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 2017-02-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Circleback Lending, Inc.(Closed)
State: VA

Complaint narrative:
I have had a loan with Circleback Lending for over a year. They recently completely eliminated their website, without seeking consumer consent for changes, and made online payments impossible. Now the only way to make payments are through the phone, with an average wait time of 10-15 minutes, or through automatic debit. Unfortunately, they do n't have an online site through which customers can download automatic debit forms and have failed to email the form to me, despite my requests. This approach to customer service and to lending would have been a deciding factor for me when I chose this lender, and I would not have taken the loan with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2016 both XXXX and XXXX asked us to make a payment outside of escrow and off the HUD " so that it does n't mess up the HUD and brings down the balance needed to get an approval ''. This request was repeated on XXXX and XXXX by XXXX. 

The negotiator and the negotiator 's manager, XXXX, said that an upper level VP in USBank told him to make these requests. 

***The Vice-Presidents at USBANK are DIRECTING THE NEGOTIATOR, ESCROW, BUYER, SELLER AND ALL AGENTS IN THIS TRANSACTION TO COMMIT FRAUD BY GIVING DIRECTION FOR THE SELLER TO SEND THEM MONEY OUTSIDE OF ESCROW -- -- - AND THEREBY HIDING THE MONEY FROM 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 non-monetary relief