vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
Hello, This is a bit different. I keep receiving calls from XXXX XXXX XXXX on multiple occasions in regards to a payday loan that I received and paid off in XXXX 2011 from XXXX XXXX XXXX which CashNet USA is apart of. They are stating that the original loan was done on XXXX/XXXX/2011, in which according to CashNet USA 's site is XXXX/XXXX/2011, which was paid off on XXXX/XXXX/2011. It is strange on how the loan was paid off more than 4 years ago and where they sent the information was to an address that I have n't resided in almost 8 years, so I was never notified. I contacted the original creditor with is CashNet USA and was advised that the loan was paid off and it is a possible scam. I advised of the company, but they are unable to keep up with the companies that are performing the scams. XXXX XXXX XXXX is trying to resolve a debt for {$430.00} and have been hanging up on me and not allowing me to dispute the claim, which I can process bank statements that the loan was paid in full. So I am not sure what else to do at this point. They provided me with a claim number of XXXX and spoke with XXXX and a few other associates. The phone numbers associated are XXXX and XXXX. Any assistance in regards to the matter will be greatly appreciated. 

Thank you for your time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I refinanced a mortgage with a local bank who immediately sold the loan to a secondary market investor ( Wells Fargo ). However, I never received any account information from Wells Fargo after closing telling me how to make payments or what my account information was.

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 2016-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo authorized and paid a POS transaction from my account. This over-drafted the account and I was assessed an overdraft fee. Additionally, a subsequent charge was authorized, paid and an overdraft fee assessed. 

I have not opted in to overdraft protection with Wells Fargo making this is a violation of the " opt-in '' requirement rule instituted in 2010 that requires that consumers agree to overdraft protection in order for a bank to be allowed to charge over-draft fees. The proper response to the pre-authorization request would have been to decline the authorization. 

I demanded the over-draft funds be reversed on Friday but have gotten no response. 

I am filing this complaint because this is not the first time Wells Fargo has assessed overdraft fees in violation of the opt-in rule. I believe there is a systemic practice of charging these fees knowing that consumers are not aware of their rights and as a result will not seek to have them reversed. 

Additionally it appears that Wells Fargo may have recently updated it 's overdraft protection service and automatically opted me ( and I am assuming other consumers ) into the program without the affirmative consent required by the opt-in rule.

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 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I answered a solicitation to have my personnel vehicle wrapped in a particular logo earning $ XXXX/week for 12 weeks. The sender mailed a check to me for {$2900.00}. This was to give the first week 's payment ( {$500.00} ) and the rest was to use towards the installation process ( {$2400.00} ). I was to send {$1200.00} ( XXXX ) to ( XXXX ) different people, using XXXX to send the money. This was part of the scam, stating an installation team would show up at my residence to wrap my vehicle and then remove the wrap after the 12 week period. 
When I received the check, I used the Navy Federal Credit Union ( my bank ) " edeposit '' method to deposit the check into my checking account. On " good faith '' NFCU honored the check within 2 days. On the third day, NFCU found the check to be fraudulent and took {$2900.00} from my account. I have filed a police report about the solicitation scam and realize I have loss that money. If NFCU would have not on " good faith '' put those funds in my account, I would have never proceeded any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo, has denied me a short sale, and the want to put the home foreclosure, they have been playing game since XX/XX/XXXX, stating that they have not received the document on time. They are violating MA state law, Acts 194 XX/XX/XXXX. we complaining before and its seems Wells Fargo are discrimination against us.

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 2015-05-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
We bought a house XX/XX/XXXX, for XXXX with a XXXX and a XXXX mortgage. We refinanced to get out of a 2-year ARM and increased the amount of the second mortgage.  XX/XX/XXXX, the economy went south and my husband who is XXXX as a XXXX, suffered setbacks with his XXXX but also with his health, needing a XXXX. I lost my job and got a new one, but lay-offs meant that I had to look for work again.  We struggled to keep our house and became delinquent with the XXXX mortgage on XX/XX/XXXX.  We have been through XXXX loan modifications, and we knew that we should concentrate on the XXXX mortgage so as to keep our home. We do not want to file for bankruptcy, and we want to keep our home. We did not make any payments on the XXXX mortgage after XX/XX/XXXX. Greentree, also known as XXXX sent us a letter dated XX/XX/XXXX advising us that the statute of limitations has run out.  XXXX, their debt collector, sent us a summons with a letter dated XX/XX/XXXX to court for XX/XX/XXXX to appear before a judge over the debt. I thought that when the statute of limitatinons has run, that XXXX are to stop pursuing the debt under the law.   I am afraid to contact them because any communication with them may be seen as an admission to the debt and revive the debt with respect to the statute of limitations.  Greentree continues to send us a bill for the debt, hoping to trick us into making even the smallest payment in order to revive the debt with respect to the statute of limitations.  XXXX sent us a letter that tries to get us to pay something in lieu of going to court, but that is also in order to revive the debt.  I don't think they should be allowed to try to trick homeowners into thinking its safe to pay a little without informing the homeowner that it will make them fully liable for the debt for another 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX from XXXX called and threatened to have sheriff come and arrest and send me to court. Left voicemail. And called several times. Very rude and threatening

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo has been charging me late fees over the past 8 months that have not been necessary. I have paid {$28.00} for each late fee for multiple months. This is not including a {$35.00} late fee from another bank, XXXX, each month as they continued to draw from after I had filled out paperwork to have it come out of a different account and later had to cancel that account to keep from being over-drafted. I called to sit on hold with bankers for hours each time trying to correct the issue. Late fees of the recent months ( XXXX, XXXX and XXXX ) have been waived but not before effecting my 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 2016-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Since 2013 I was approved for a trial modification. I did my payments complete the 3 payments. After they denied for unclear title. I did clear the title. After I did fix some issues in a wrong credit report was not mine. And on and on and on since then. Finally I did show my income my family income and my rent income from them about {$XXXX}. Still denied by Wells Fargo. They review and they said send another application always same game. They appraised the property incorrect for a huge number. They want me to sell the house in short sale I do n't want to leave my house.

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 2015-04-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I wanted to know what interest rate might be to get a credit card for my mother to use for some upcoming dental work. I filled out an online application, just to see, got the interest rate information, and decided NOT to apply. I believe I did cancel the application, but the card came in the mail anyway. 
When I could n't get past all the barriers on their website, I phoned the company to CANCEL the card. The representative told me that my mother had to speak to him herself, or that I needed to send my POA documentation to them, in order to close/cancel the account. 
My mother, who has XXXX and lives in an XXXX, was NOT involved in any part of this process. 
Additionally concerning is the fact that she was turned down by another company because she has no credit history for the past 20 years or more. This company appears to have made no inquiries at all as to her creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is an appeal of a decision made by Wells Fargo against me. I initiated a complaint several months ago stating that I was the victim of a predatory lending scheme and was told today by XXXX XXXX at Wells Fargo that my claim was denied and my case had been closed. No reason was given. I had previously tried to speak with XXXX XXXX but she did not return my calls. When she called to tell me that my claim was denied, I asked why she had not returned my calls. She stated that she was " too busy. '' I would like this matter to be re-opened and researched by a third party ( not Wells Fargo ). They have proven themselves to be unethical and unreliable and clearly can not conduct a fair investigation. I was not asked any questions by Wells Fargo during their so-called investigation. They unilaterally decided that I had no basis for a case. I respectfully request that my case be reopened and reexamined by a neutral third party. Thank you. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 2015-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX to PennyMac USA in XXXX 2015. Upon receipt of my first statement from PennyMac, I attempted to set up an online account to access my information and make payments. I was able to set up the account, but was not able to log in due to a message that simply stated " Error. '' I promptly contacted customer service, who informed me that there was an issue with the Web site that was being addressed. As suggested, I waited approximately one week before attempting to log in again. At this point, I encountered the same error message, so I contacted customer service again to address the issue. I spoke to numerous representatives and was assured that the issue would be fixed and that I would be contacted with resolution. After approximately 3-4 weeks passed ( and I had not heard from anyone ), I contacted customer service again because I was still unable to log in to view my account information and submit secure online payments. I was informed that the issue would be forwarded to the IT department, and I requested that this process be expedited. Last night, ( 10 days after my most recent phone encounter ), I received a call requesting that I send a screen shot of the error message because the IT department was unable to retrieve it. At this point, I admittedly became frustrated because I had requested that the issue be escalated and it took so long to hear back from someone who still had no resolution on my issue. Last night and this morning, I followed the login steps to get to the error message, and I am completely blocked out of my account. The system is supposed to generate an e-mail containing a security code to log in, and I am not receiving these e-mails as I had prior. I have spent many hours combined on the telephone with technical support, and am not in a position to continue to go in circles with representatives that have no answers to offer. After two months, all that I know for sure is that Penny Mac is deducting the monthly payments. With no access to my account information, I have absolutely no idea what my account balance is ; I have absolutely no idea how ( or if ) my payments are being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Asking for a refund for fees charged to my account in the amount of XXXX asking for a refund for the charges XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Approximately two years ago I opened up a secure credit card with Wells Fargo Bank for {$1000.00}. Over the course of this last year in 2014 I have experienced some financial hardships. However, at this time I am trying to repair my credit ; the XXXX step was to deposit into the holders of my credit cards. I have XXXX with XXXX XXXX and a secured card with Wells Fargo. The account with Wells Fargo is a secured XXXX credit card ; I made a {$1000.00} deposit 2 years ago. I was over the credit limit allowed for several months. On XXXX XXXX I made a payment into the Wells Fargo secured card for {$1100.00} to date the money has not yet been available to me. I have made several phone calls over the last 7 days and I was informed that there was a hold placed on the deposit to ensure it was clear from my bank. I informed them the money had posted to my XXXX XXXX XXXX account and was no longer available to me and that it should have been credited to the Wells Fargo account. Finally after one week of a waiting for these funds to be available I have been informed today that the account was closed on XXXX XXXX. After the card underwriter in the credit services department at Wells Fargo reviewed my credit history she informed me that they would not be able to reopen my Wells Fargo secured card a nd then I was tranferred back to the customer services dept of the credit services department I was told I would not be receiving my refund of the {$1000.00} dollars collateral for at least 45 to 60 days. I expressed my profound disappointment and anger as I need these funds for my day to day living. I have bills that desperately need to be paid and my intent was to pay them from the funds deposited to that card. When I asked for a supervisor I was disconnected. When I called back to speak with a supervisor I was told that I did not meet the criteria for a rush of my {$1000.00} back to me. I am a relatively new XXXX and I an a single parent with children in XXXX. I can not afford to have {$1000.00} just sitting somewhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2015 at about XXXX XXXX, I entered WELLS FARGO BANK to withdraw {$3000.00}. I provide both my license and bank debit card. I was asked not to swipe my card instead for me to file out a withdraw slip for the transaction. After doing so, the teller took all XXXX ID credential in a scrutinizing manner for verification with my withdrawal. The teller took an unusual 30 minutes before responding to me that my signature does not match. I then exited the window to seek assistance from the Manager. at the presence of the manager, I filled out another withdrawal form. The manager went to the window computer and spent an additional 30 minutes scrutinizing my account. When I asked her what is going on, The manager came to the window and replied, " Your signature is not matching, and that it is unusual for a XXXX person to come into this branch to withdraw a large amount of money ''. 
Seeing that I was being discriminated against, I called the local police department for assistance. During my hour wait for the police, I was excluded from doing any transaction. When the officers arrived, I was lock inside the bank and waiting. XXXX officers investigated the matter by reviewing my ID, bank card, other identifications I gave to the bank, including my withdraw slip. They spoke to the Teller and Manager and notice their discrimative behavior, and ordered them to re open the bank computers and give me my requested money. 
The purpose of that withdrawal was to secure a plane flight back to XXXX Ma to attend a family member funeral, and to conduct XXXX on my XXXX. I miss my flight and resort to driving XXXX miles back to Massachusetts. I miss the funeral, and my doctor could not preform XXXX because I 'd placed to much stress on XXXX from driving.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I received an alert from my credit monitoring service stating that there was a new inquiry for a credit application on my credit file from Navy Federal Credit Union on XXXX XXXX, 2016. I have never applied for credit from this lender and contacted the creditor to state that this was fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX, 2013 I went to bank to cash at the drive -through window. The teller informed me my backing account was frozen because suspicious activity. I went inside the bank and talked with a manager. The manager could n't discuss the account because my daughter was n't present at time and account was college join account. I immediately called telephoned my daughter and told her check her account. My daughter notice than her wallet was missing and telephone the day. We checked banking activities later that evening online. Several large checks was deposit in her account which she had no knowledge where the funds came from.The bank never informed before hand of any possible fraud activities prior by email or telephone call until I went to branch to cash a check. My daughter did have a bank deposit slip, ATM and with her pin number written on deposit slip inside her wallet. The next day we went to bank and talk with manager about missing wallet and it contains. The manage over the account, told us all our accounts was frozen and all activities would stop. The bank continued to allow deposit checks, ATM withdraws for another 7 days. My daughter and I went to police department filed fraud and ID Theft complaint in XXXX and XXXX Police Department. We also file an report with Federal Trade commission and Attorneys General office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation