vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
i lost my vehicle due to bankruptcy 3 years ago. I was referred to XXXX XXXX XXXX in North Carolina for a replacement vehicle. I was a naive, first time car buyer. I was told to provide all sources income including child support. I explained I was not comfortable with this as my children would lose it within 2 years. My loan is with Consumer Portfolio Services at 23 %? interest. After making payments on time for 2 years, child support stopped and I could n't make my payments. i sent money each month that I had available, but it was not the correct amount, but all I could afford. I tried to refinance, but because the interest was so high, I was already upside down and was turned down. I contacted CPS and was allowed for a fee to extend the loan on the car, a quick fix but did n't solve the issue at hand. I then was laid off from my job and saw my hours reduced. I informed CPS of my difficulties but was told I owed XXXX and that was that. I asked if they could lower my interest rate for a few months, but was told no, they were n't a loan company. I sent XXXX ( a gift from my church ) but they came and repossessed my car anyway. I was never told where it was taken, I had personal belongings inside and was never told how to retrieve them. My car was sold at an auction, though I was never informed when or where. I was sent a bill for XXXX for the deficiency deficit. I did my best to keep them informed of my financial struggles, I could n't extend the loan again because I had already done so and was told I did n't qualify. With all of their fees tacked on to my already late payments, I was so upside down on the loan, I could n't sell or even trade the vehicle to try to alleviate the burden. I may not have a valid complaint, but I feel like these loan companies prey on people like me. I ca n't possibly ever re pay the loan. With all the fees they 've assessed me, it was n't feasible. I owed XXXX on a car that was only worth XXXX. How can this be legal?? This company harassed me at work until I filed a complaint against them. I need help with this situation. My finances are no better today then they were when my car was taken by them. I am not an irresponsible person, I was just unknowingly taken advantage of by the loan company and the dealership I dealt with. I would like to see these loan companies not be allowed to extort money from people such as myself. The fees they charge make them rank right up there with payday loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I 'm not sure I selected the correct option, but I would like help in solving the following problem. On XXXX XXXX, 2015, I received an alert from the XXXX credit monitoring service I subscribe to. The notice stated that I had a new hard inquiry on my credit report. I immediately contacted XXXX to dispute the error. The representative I spoke with stated that I needed to contact the creditor Cash Central and that they would need to contact XXXX. When I contacted Cash Central, I was told that I did not have a loan with them, or submit an application, but that a third party provided my information to them. Cash Central put in a request for someone to contact me. During the phone call I explained that I did apply for a loan from Cash Central nor did I give permission for my credit to be pulled. I advised that XXXX has the credit inquiry listed as a hard inquiry on my credit and that I would like it corrected. 

On XXXX/XXXX/15 I received the following email response : Dear XXXX XXXX, We are in receipt of your dispute regarding a credit inquiry by Cash Central. Cash Central was forwarded your application information for a loan from a Lead Provider. The application was declined and no loans have been requested in your name. 

Under the terms of the Fair Credit Reporting Act, Cash Central can obtain credit report information regarding customers when ( 1 ) the credit report information was pulled in connection with a credit transaction involving the customer and a request for an extension of credit, and ( 2 ) Cash Central otherwise had a legitimate business need for the information. 

Your application was forwarded to us in a manner that permits us to take the steps needed to complete verification of the applicant, including, by way of example, referring to databases containing consumer information and pulling credit reports. 

If you would like further information on the lead provider in which Cash Central obtained your information, please contact me directly. 

Sincerely, XXXX XXXX Cash Central XXXX XXXXXXXXXXXX I then sent the following response : Good Evening XXXX XXXX, Thanks so much for the quick response, but I 'm not sure I fully understand the response. XXXX listed Cash Central as a hard inquiry on my credit report, but I did not apply for credit from Cash Central or any other company on Saturday, XXXX XXXX. Nor did I give permission for my credit to be pulled by Cash Central and XXXX will not remove the inquiry from my credit report until your company provides me with a letter, or contacts them. Please help!! 

In addition, what is the name of the lead provider as I would like to contact them as well. 

Thanks in advance for your response, XXXX XXXX Please help!! Is Cash Central able to pull a hard inquiry of my credit report without my permission. I am in the process of rebuilding my credit and do not wish to have my credit pulled without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I received a friend request on XXXX from a lady who 's profile name is XXXX. she advertised how she can help people make additional income with a number provided XXXX which I decided to call to get more info. she texted me and said that someone would be calling me. Which they did, and the conversation was explaining there business helping others flip the money to help there assist their financial needs. I ask how do you get started? They replied that I had to give my full name to get registered in there system then drive to a local western union at send money to an specific name and address then 20-30 mins later i would receive a tracking number to pick up my flipped return payment. I ask whats the minimum to send and they repaid {$150.00}. which would flip and return to me in the amount of {$3000.00}. I then went to western union as instructed filled out the form to send {$150.00} to the name and place the told me which was to a XXXX in XXXX. The tracking number of this transaction is # XXXX and i waiting as instructed to get my refund. then i received a message saying the money is there but the irs just notified them that there is a fee of {$290.00} that needs to be paid in order to receive my refund. I went back and forth with them through text and phone calls on how I do n't have anymore money and how this was n't what was discussed prior to me sending the first transaction. I let them know i could n't send anymore and they insist if I could send what i have. I told them i had a XXXX and they assured me that after i send this that i would receive my money with an additional {$1000.00} and a new XXXX which would come in the mail. They even proved me with the tracking number to give me clarity of the transaction being legit. that number was # XXXX but i was n't able to see the amount or the name attach to it which left me still suspicious. so i declined to send anything else and told them i would be reporting them so they could stop calling which they did after I uttered those words. So here I am telling of my unfortunate tragedy. I just was looking to better my families financial status. Not sure what will come of this, but I pray they get caught so that they can not mislead anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Never applied for a loan with XXXX nor XXXX ( XXXX ). Then I receive a email case no saying there suing me for money I have n't receive and applied for. Email name would states XXXXXXXXXXXX I never merge iced any calls or vociemails stating if i applied or there trying to reach me. Other company XXXX someone reached out and said if I ever applied online they steal customers information there 's no way of tracking.

Company response to consumer: Closed
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I am currently in foreclosure with XXXX. I have been dealing with XXXX XXXX at bayview loan servicing and have provided all requested documents to her to try to save my home from being foreclosed however my income has shown to not be enough to support the modification after tiffani informed me it was two weeks ago. Now on XXXX XXXX she informed me that she misspoke and that my income had not been approved as she stated two weeks early. My daughter has been kind enough to pay me for watching my grand daughter to get a bit of income coming into the house. I explained this to tiffani and she is requesting tax documents, paystubs and credit reports from my daughter. She is delaying my modification for these documents that my daughter does not feel comfortable providing when I have offered to provide cancelled checks and a letter from my daughter stating the agreement. I do not see how she can legally request this information and delay my claim for it. This is not my daughters debt and I am not looking to add my daughter on to the account. Please assist me with this business as I do not want to lose my home over documents that my daughter and I feel they have no legal right to ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I keep getting cash net sending me invoices on a loan never got I think my information was hijacked and attached to false loan

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
Being a first time, single mother, I had to make the decision to use my overdraft protection. I check my balance before every transaction so I knew that I would be over drafting that transaction but the {$36.00} dollar fee was worth it to keep my son in daycare for the week. Especially when I would be getting paid in a couple of days and it would all even out. No big deal. 
Imagine my surprise when I checked my balance and it was more than XXXX dollars in the negative. Apparently, Regions decided to reorder transactions for the past few days to incur overdraft charges on XXXX transactions instead of just the XXXX transaction. This resulted in {$360.00} in overdraft charges. Instead of {$36.00}. 
When my paycheck hit my account, it was ENTIRELY gone because of this. That was money to pay bills and feed my baby. And now my phone is shut off because regions STOLE all of my money. 

I 've contacted regions several times about this matter and they give me the same answer. 'There 's nothing we can do. ' I 've filed a complaint with the XXXX they have n't responded. 

It should be illegal to reorder transactions to maximize fees.

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 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo Bank use a 3rd party, XXXX ( XXXX XXXX XXXX ), to alert them to place a deposit hold on your acct. Wells Fargo will " hold '' the deposit for 7 business days even when Wells has received payment for the check. I made a deposit on XXXX/XXXX/16.The hold is until XXXX/XXXX/16. I verified with the bank the check was from and they paid it on XXXX. How can Wells keep my money that they have already received and not credit my account? This is on a small business acct and it really effects my business.

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 2015-03-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I signed up for a XXXX promotion for Wells Fargo bank for a {$10.00} e gift card. See below and attached. I have been trying to obtain this gift card for 6 months now and no one can help me, not the local branch, nor the corporate customer service. In fact, the manager ( XXXX of XXXX, XXXX ) told me to file a complaint if I needed to ... ..so here I am. 

I met with the financial services rep, opened XXXX accounts ( which was n't a requirement ), was n't advised on the fees for those accounts and then terminated those accounts as a result of them not being forthcoming and honest about them. 


Wells Fargo Financial Appointment for {$10.00} e-Gift Card ( Participating locations in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) For anyone interested : XXXX 1. Take a moment to make an appointment that 's convenient for you ( offer code XXXX will be pre-filled for you ). 
2. Meet with a banker for a conversation about your financial priorities. 
3. After your appointment, you 'll get a {$10.00} eGift card that can be redeemed online at XXXX retailers. 

*To qualify for the {$10.00} eGift card ( offer code XXXX ), make an appointment online by XXXX XXXX, 2014. Appointments must be conducted in person at a Wells Fargo banking location by XXXX XXXX, 2014, to qualify for the offer. Limit one eGift card per customer. Offer is only available at participating Wells Fargo banking locations in XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Offer can not be combined with any other offer. No purchase necessary. Wells Fargo team members are not eligible. Gift card subject to terms and conditions of issuer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear Sir/Madam, I would like to express my disapointment of the representatives that works for the Wells Fargo Bank. On XX/XX/2015, I spoke to a representative of Wells Fargo Bank in regards to obtaining pertinent information of my account. Since I would like to expand in areas of my XXXX and as such the information is one of the requirements for this expansion. The information required were : Account Holders Name, Account Number, Six Months Deposits, A statement showing there is no lien on the business account, and I attest that none of the funds used in this account is borrowed and is immediately available for Cater Home Care use. 
This business has been a customer of Wells Fargo for over one year and seeing that there is a six months requirement I felt that it was only fair that Wells Fargo furnish me with the true and authentic information required. I have spoken several times to representatives of Wells fargo and they have either refused to furnish me with the information needed or fax and mail information which was not asked for. 
This situation has become an issue between Wells Fargo Bank and my business and I have found it appaulding since I am only asking for information that was processed between Wells Fargo Bank and XXXX XXXX XXXX XXXX. 
I am therefore requesting that action be taken to relieve this issue and furnish XXXX XXXX XXXX with all the documents needed so that the business can move forward as soon as possible. 
Respectfully, XXXX XXXXAdministrator XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
this is an ongoing complaint with Wells Fargo complaint # : XXXX. A XXXX from wells Fargo contacted me and assured me that she will do a complete investigation on the concerns I brought to her attention. Shortly there after another representative contacted me to start yet another loan modification process. On XXXX/XXXX/16 Wells Fargo requested another 60 days to address this matter. But a letter sent to XXXX XXXX dated XXXX/XXXX/16. States there decision has already been made and state we have review this in the past and we see no reason to review it again. XXXX XXXX was denied the loan Modification for to produce paperwork required. Which XXXX XXXX approved the mortgage and stated he need to show proof of residency which was supplied then denied stating he changed his address just to get the loan modification. So how can they deny on the fact no significant changes when he was approved and also stats the are doing a full investigation and require a 60 day extension and have made there decision on XXXX/XXXX/16. This is clearly age discrimination which is against the law. when you supply all documents get approved then denied are told he will be fully investigated and your reviewed team refuses to even look at all the facts to see he was approved. Which confirms are suspicions. This company need sto start being honest with the consumers and telling the truth and working together with each dept and the consumer to work out a resolution instead of being so anxious to throw a XXXX year old XXXX Veteran into the street instead of with his family where he belongs. Reading all the notes you will see where my comment is coming from and understand working on a loan modification while your attorney is back dooring a lis- pendens without even notifying 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 2016-10-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo has claimed the the XXXX was used to pay off existing loans on the property. From what I was told, if that were the case, what did I pay in upwards of XXXX to XXXX for? Wells Fargo has XXXX variations of the principle origination charges. That figure would have to factor into the HECM formula or the salesman would have to inform me that the HECM does not work for me and to find another option. As I previously stated, at the time of the HECM, I was in no danger of foreclosure. In fact, I had never even been late on a mortgage payment. Did I suddenly forget how to pay mortgages or fees associated with a mortgage on the most important asset in my life? Wells Fargo has not returned the documents I have requested, such as discharges from XXXX and XXXX proving payment. They have also not released the government recording, transfer charges and recorded deed and mortgage. Where did the recordings actually take place? Did they take place at all? I have solid evidence that it never took place in Massachusetts.

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 2016-07-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I purchased a vehicle from an individual with a lien on the vehicle. XXXX cahier checks were sent via overnight mail and only XXXX check was applied - the other check is missing from Wells Fargo. I can not obtain my money back from the cashier check for 90 days. I do not have the vehicle, I am out {$7300.00}, and have spent countless hours on this issue. We ( the seller and myself ) followed the standard procedure for paying off the loan. Wells Fargo needs to be held accountable.

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 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We got behind on the mortgage payment for my Mother 's estate ( XXXX XXXX XXXX, ( aka XXXX XXXX XXXX, deceased on XX/XX/XXXX ). On XX/XX/XXXX a letter was sent from Wells Fargo Mortgage ( WF ) with a refund check of {$56.00} for " unapplied '' funds. A delinquent status letter was received.around the same time. A WF statement dated XX/XX/XXXX was received later in the month. showing a balance due by XX/XX/XXXX of {$1700.00}. On XX/XX/XXXX, I made that payment in full by cash payment with a payment coupon at the local bank as I had previously done. The next day ( XX/XX/XXXX ) I received a letter from WF ( dated XX/XX/XXXX ) that loan had been referred to attorney. A second letter from WF ( dated XX/XX/XXXX ) was received 2 days later. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, demanding payment in full to avoid foreclosure. I subsequently hired XXXX XXXX XXXX to resolve the wrongful foreclosure action. It was determined that WF had misapplied the XXXX XXXX payment to a Closed Credit Card account without comment, instead of the mortgage account. He received confirmation from XXXX. XXXX XXXX that the foreclosure was cancelled on XX/XX/XXXX. Wells Fargo has since refused payment to bring the account current for the months of XXXX by payment attempted on XX/XX/XXXX. Wells Fargo is now demanding payment of mortgage payment that they mis-applied and attorneys fees for the wrongful attempt to foreclose on the property. I have received a response from XXXX XXXX XXXX in response to the inquiry initiated by XXXX XXXX. Wells Fargo continues to be unwilling to apply the previous payment to the mortgage ; thereby demanding a second payment of those funds already paid. They are also demanding payment for the wrongful foreclosure action. They refuse to take payment for the mortgage payments currently due. On XX/XX/XXXX, I again received a statement from WF, showing yet another balance due after their apparent payment of property taxes. However, a check today of the property taxes shows that only tax payment for XXXX lot not both lots under the mortgage has been made.

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