vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My bank Wells Fargo did not allow a stop payment on an ACH withdrawal after I had requested that the payment be stopped. I was then logged with another {$35.00} overdraft fee after I could not cover the cost of the ACH withdrawal. I could n't afford gas or everyday necessities like food because the little money I had in my account was taken out.

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 2016-12-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I called my bank to place a stop payment more than 2 weeks in advance. The payment went through and now my bank account is - {$360.00}, until I get paid again, which is XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My mortgage was refinanced in XXXX XXXX with Wells Fargo Home Mortgage. At that time I had over XXXX % equity in my home ( as confirmed by my mortgage consultant ), yet I 've been paying Private Mortgage Insurance for the last 10 months at a rate of {$110.00}. 

After the paperwork was signed, the consultant stated he could easily move me to a conventional loan without having to go through the entire refinance process again ( i.e. no new appraisal, pulling credit history, etc. ). I decided to talk with another lender about this situation. Their comment was, " your lender should 've either given you the option of a conventional loan at the time of refinance or removed PMI since your appraisal verified at least XXXX % equity in the home. In addition, it is unethical for the lender to ask you to refinance again, due to their error, when you asked about removing the PMI. '' Based on the Homeowners Protection Act of XX/XX/XXXX, for mortgages signed on or after XXXX XXXX, XXXX, the mortgage servicer is REQUIRED to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains XXXX % equity in their home, based on the original property value. If this is true, what can I do to recover the financial damages I have incurred?

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 2016-06-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Well Fargo dealer services, they keep harassing me. I will get 4 to 5 calls a day from them. After they disconnected with my line they call my brother 's number the same amount of time, that between 8 to 10 attempt in one day. Not only are they calling the loan holders but they are harassing other member of my family that have nothing to do with this loan. 

When we do speak with them, the supervisor XXXX, threatens me about coming and getting my car, tells me that my hardship is inexcusable and will not work with me at this time. I have explained my hardship and tried to work out an arrangement with them. 

I am still being harassed by Wells Fargo dealer services even after we have explained that I am going to be filing bankruptcy

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 2015-08-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am being scammed out of my husband 's pension by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The loan originated XX/XX/XXXX with a principal of {$140000.00}. In XX/XX/XXXX the XXXX of XXXX loan modifications was granted by the lender. The pre-modification unpaid principal was {$140000.00}. The newly calculated unpaid principal became {$160000.00}. In XXXX XXXX the XXXX loan modification was granted by the lender. The pre-modification unpaid principal was {$XXXX}. The newly calculated unpaid principal became {$180000.00}. The bank has been contacted on multiple dates and included conversations with a variety of representatives from different departments. How can a loan origination increase by 28 % or {$39000.00} ( {$180000.00} - {$140000.00} )? Does a consumer have the legal right to understand loan calculations prior to approval? Is the practice of mortgage principal increases common with loan modifications? Is it legal? Or just unethical? What are the options for an equitable solution? The task of receiving answers to these and many other questions have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc.
State: NY

Complaint narrative:
Creditor is attempting to collect a debt that is not owed. The agency states {$4900.00} is owed for a workers compensation policy renewal to XXXX XXXX. A cancellation of this policy was requested several weeks prior to the renewal date. No renewal should have been issued. No bill was ever sent to us. No attempts to contact have been made, until now. This is not a debt that is owed.

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 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have been working with Wells Fargo for loan modification of {$1500.00} a month made XXXX paymennt still my account has not been brought back up to date & I am still. Showing behind I have called XXXX times to try to resolve no one has called me back at all modification was to have happened XXXX XXXX 2015 they lied to me my account number XXXX I was told the rep for restoration or that reps managet would call me never had happened I requested a new package for the modification because was never recieved by my attorney or the courts of Delaware that was never done so this must mean that was a lie also my name is XXXX XXXX call back is XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX/XXXX/2016 I deposited a check drawn on XXXX Bank, to Wells Fargo in Battleground, WA. 
I use Wells Fargo near my home in XXXX, WA. 
The branch in XXXX gave me a slip that says I could have XXXX of the XXXX in a couple of days, and the rest on the XXXX of XXXX. I told the person that wrote me the check about this and he showed me on his IPAD that the check had cleared his account on the XXXX. 
I called the XXXX branch yesterday and spoke with the manager XXXX, he said he would call Banner bank and see if it had cleared and if it had release my money. He never called me back. I called Wells Fargo customer service and they said they could no help, that the branch that issued the hold had to release it and got them on the phone a few minutes ago, I spoke with XXXX. She said that the issuer would have to show her his statement and she would then release the funds. 
Since the check has cleared, and Banner bank will not discuss the check with Wells Fargo, as I do n't bank with Banner, I have the money I need and earned sitting in Wells Fargo gaining interest for them. XXXX at Wells Fargo said she had no way at the branch that the funds were ready to release to my account. I find that hard to believe, anything you can do to help would be great. As a consumer my money should not be hijacked for 10 days, it 's stealing.

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 2016-11-22 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: CA

Complaint narrative:
I just opened my new monthly bill and saw that I was being charged a {$75.00} fee for a " broker price fee '' I then called them up and no one knew what the fee was for, but they still refused to remove it. I then asked to speak to a supervisor, and I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
My mother sent me {$50.00} from XXXX, MI, I went to pick it up at XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX.The attendant behind the counter said that Western Union is requesting my Full SSN and that he could not complete the transaction until he had it. I know this is not correct, but he was holding my money hostage until he had my SSN. I 'm contacting your agency because I think that the store or Western Union is doing something illegal in this practice. The store also charged me an extra dollar before they gave me money. I called Western Union, but have not heard anything as of this complaint. Could you please find out why western Union or the store needed my Full SSN, and please help me get my dollar back. I 'm attaching a copy of the receipt from the store, thanks so much for your time, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BYL Collection Services
State: SC

Complaint narrative:
I sent BYL services a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt. It read as XXXX on my credit report. I do not know what that company does at all. 

I sent BYL services a debt validation letter XX/XX/2016 and it was delivered and signed for. XXXX attached. 
And I did not receive a response. This is also the XXXX violation of the FDCPA and FCRA. 

The fact that it is still reporting on my credit report is another FDCPA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I have asked them not to contact me at work as I am not allowed personal calls at work and they continue to call my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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: MD

Complaint narrative:
I am currently in a modification program with Bayview Loan Servicing. I was initially denied the modification in XX/XX/XXXX, but received a notice that trial payments were to start effective with the XXXX 2016 payment. I sent my first payment due XXXX XXXX, 2016 via USPS certified mail. The payment was sent on XXXX/XXXX/16 and arrived on XXXX/XXXX/16. I received my green card and knew how long it would get there. My payment for XXXX 2016, I just sent via regular mail because I did not have time to go to the post office. I mailed it on XXXX/XXXX/16. Today if XXXX/XXXX/16 and the payment has not posted to my bank account. I 've tried calling the customer service number ( XXXX ), but all I get is that no one is available to take my call and that the voice mail is full and I can not leave a message. I 've also sent an email on XXXX/XXXX/16 to customer inquiring about the status of my payment and why it has not been posted. I 've read complaints about this company and of how they will hold payments to make you appear late to either disqualify from your modification plan or report you to the credit bureau. I feel that is what they are trying to do to me. As of today, I will be sending Bayview customer service another email informing them that I will be placing a stop payment on the check that was mailed and that I will be processing the payment over the phone. I do not want this to disqualify me from completing the trial payments for the modification which I feel Bayview is trying to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
my XXXX $ loan has turned in to {$12000.00} payment that they are demanding in full I am also have XXXX federal charges the they are prosecuting against me XXXX federal banking violation regulation violations XXXX wire fraud and XXXX another XXXX I do n't rememberthis all is because when they went to electronically deduct it from my checking account it was declined because apparently the type of checking account I have does not allow companies to do electronic withdraws and i was n't aware of. So there is where all of the banking violation charges witch turn in to wire fraud etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
collector called did not advise call was recorded or gave mini Miranda he stated i was a pt at plantation hospital asked me to confirm an address they had on file since i was not a pt at the hospital i refused to verify my address he became angry and stated i would no the balance if i opened my i asked for a mgr he hung the call i call back s/w a mgr who stated he would review the call and reprimand the employee

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Response Thank you for submitting your complaint on XXXX XXXX, XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher ( s ) to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. 

An Initial 90 day Security Alert has been added to your personal credit report. This message, which will expire after 90 days, alerts credit grantors to verify your identification in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for six months. 
For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, XXXX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

I DID NOT ASK YOU TO PLACE A SECRITY ALERT ON MY REPORT I AKED YOU TO STOP PLACING IT ON MY REPORT AND DO YOUR JOB XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX dob XXXX/XXXX/XXXX Remove ALL ALERTS FROM MY CREIT REPORT DO NOT PLACE THEM ON MY REPORT AT ALL

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 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:
Charles Schwab has illegally interfered with my bank account deposit of {>= $1,000,000}. 

Yesterday we wrote checks against this large deposit. 

My car purchased Sunday ( XXXX XXXX ) on Sunday and wrote a $ XXXX+ to pay for it. 

These stockbrokers should be assessed a {>= $1,000,000} for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monarch Recovery Holdings, Inc.
State: NH

Complaint narrative:
court judgement to me. collection bought original debt many times from lawyers, collections agencies. Paid for 3 years with no principle payments reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I am a XXXX Veterans. Sending these e-mails and calling sometimes take me a lot of time. Bayview Loan Servicing , LLC . is retaliating against me for submitting my complaint to the CFPB ( XXXX ). They still do not answer my e-mail or mail. 
I was able to speak to XXXX today and she said that she could not speak to me because I filed a complaint. She says that BLS has until XXXX XXXX, 2017 to reply to my complaint and that my foreclosure trial is still on XXXX. XXXX, 2017. Is it possible to postpone the XXXX XXXX, 2017 trial. Thank you. 
Very respectfully, XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Several years ago, we opted into the XXXX program. 
A check was issued on XXXX XXXX, 2016 in my late husband 's name. Upon receipt of said check, I contacted XXXX XXXX. Per their instructions, I submitted proof ( Death Certificate ), of my husband 's demise. I was told that a check would be issued in my name in about 14 days. As of this writing, I have not received the check. Calls and email to them have been to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: KY

Complaint narrative:
XXXX separate loans payed on XXXX separate dates were combined into a lump sum without my approval

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
My mortgage is " underwater ''. 
I do not have an FHA mortgage and my mortgage is not backed by either XXXX XXXX or XXXX. 
I have searched for an FHA Short Refinance but am not able to even apply as NO MORTGAGE LENDERS PARTICIPATE in this government advertised program. 
Why advertise a program that does not exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I am receiving repeated phone calls from XXXX XXXX at Bayview Loan Processing, LLC while I am at work about a debt that belongs to someone with a similar, but not same, name. The debt is attached to a property I do not own now nor have I ever owned. My phone number is attached to the account and Bayview Loan Processing will not remove it because the last XXXX of my social does not match the one on the account. They will not give me any information regarding the loan. The name on the account is XXXX XXXX though I am uncertain of the spelling

Company response to consumer: Closed with explanation