vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My fiancee and I have a joint mortgage that we got through Wells Fargo Home Mortgage. A condition of getting this mortgage was enabling auto-debit, so our mortgage payments are automatically taken out of our bank account every month. 

During the month of XXXX, my fiancee and I opened a joint checking account. We updated our bank account information in Wells Fargo online banking. At no point did I see an option to enable or disable auto-debit, and at no point was I ever warned that auto-debit would be disabled. When looking over my bank statement at the end of the month, I realized that no mortgage payment was taken out of my account. I logged in to see that I had my XX/XX/XXXX payment >30 days past due and my XX/XX/XXXX payment several days past due. 

I called Wells Fargo, who informed me that when you switch checking accounts, you need to call them to have them manually re-enable auto debit. I was not warned of this at any point during the process. Wells Fargo also assured me that this wouldn't be reported to any of the credit reporting agencies. I made both payments and I am current on my mortgage. 

During the 30+ days my mortgage was past due, Wells Fargo made no attempt to call me, email me, or send me a letter to let me know I was past due on my mortgage. They did, during that very period of time, call me to offer me credit cards, deposit accounts, and investment services. 

2 days later I received a notice from XXXX that my credit score had dropped from the mid-700 's ( pristine credit ) to XXXX because I was delinquent on my mortgage. I have called Wells Fargo several times over the past three weeks and have been told " well, I don't know what you want us to do ''. They also said that they had no phone number for me. No phone number ... .the same bank that called me not 1 week prior to say " because you have been a great customer of Wells Fargo Mortgage , we would like to offer you a special rate on a credit card! '' I have spent a lifetime making debt payments on time. Not one blemish, not one late payment, not one single reason to think I am anything short of being as creditworthy as the US government. My fiancee and I make over {$300000.00} a year combined. These payments are literally no trouble at all for us to make. I need Wells Fargo to remedy this situation, which was entirely their fault.

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 2018-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX I paid {$100.00} on my line of credit at PNC bank by transferring it from my PNC checking account through their on-line system. My overdraft shows a payment of {$100.00} on XX/XX/XXXX. On XX/XX/XXXX, I check came through my checking account that resulted in an overdraft of approx. {$13.00}. I was then charged an overdraft fee of {$36.00} even though I had made a interbank transfer of funds and it was received 2 days before the overdraft occurred. I believe that this violated both the fund availability policy which allows both cash ( available immediately ) and the first {$200.00} of a deposit to be available the next business day ( so XX/XX/XXXX ). In addition, this action further violated 12 CFR 205.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir/Madam : Several false and fraudulent instruments have been filed on my property : XXXX XXXX XXXX XXXX, XXXX, California in violation of the law at, inter alia, 18 US Code 471, 472 and 473 and Cal. Penal Code 115 ( a ) and ( b ) by some people. 
In accordance to the Federal Emergency Act of 1933 -- HJR 192, Public Law 73-10, i : tendered a payment for the alleged debt, XXXX XXXX XXXX XXXX XXXX and its Co Parties, Agent ( s ) Principle ( s ) neither returned my payment, nor refused nor rejected it, therefore pursuant to UCC Sections 3603 and 3307 which are the same as California Commercial Code Sections 3-603 AND 3-307, the alleged debt is discharged. This fact [ i.e. my offer of tender and XXXX and its Co Parties Agent ( s ) Principle ( s ) refusal to accept, or deny, or reject and return of my offer of tender ] have been filed in California Secretary of State signed and executed under penalty of perjury. However, XXXX XXXX XXXX XXXX XXXX and all of its co parties agent ( s ) principle ( s ) are refusing to send my discharge papers to me while they continue to harass, intimidate, stalk and demonize me, see attached Exhibit A, which include : 1 ) true and correct copies of my filings in California Secretary of State for breach of contract, and 2 ) true and correct copies of my filings for my TILA rescission at 15 USC 1635 ( i ) 2 and at 3 ) 15 USC 16351in XXXX XXXX County Recorder.5 in XXXX XXXX County Recorder. 
i : am, therefore, reaching out to CFPB to assist in clearing the title to my home in my favor, as a matter of law, Id. 
i : look forward to hearing back from CFPB very soon. 
All rights reserve waive none By : ____________________________________ XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a check in the amt of {$19000.00} into Wells Fargo acct # XXXX on Friday, XX/XX/2018. On Monday I checked the acct & the funds were seen as available balance. I called the bank & spoke to a business acct agent & asked if the check was cleared. I was told yes. I also asked if there was any chance the sender of the check could stop payment or cancel check. I was put on hold & when she returned she said " absolutely not ''. Check is cleared for use. This entire call was recorded & the bankers verified when the conversations were heard at a later date. I then called my real estate broker & announced I was leaving their company to join another. He became very angry & as I thought would happen, tried to take revenge on me. In this case by stopping payment on a check I received for a closed deal on Friday. On Wednesday I went online to begin paying bills from the acct & noticed the entire check was stopped & removed from the acct. I immediately called the bank & spoke to several different people. I kept being told it wasn't their fault. My issue is the incorrect info that I was given by the bank agent caused me to lose the amt of the check. I depend on the bank to provide accurate information when I ask a question. They should know the guidelines & be educated as to how the business acct works with deposited checks. What if they amt was for a million dollars?? And I was told it's totally cleared & fine so don't worry? WF response was that they will do a better job in the future instructing their bankers??? How does that help me now? If I had been given accurate information, I would have taken a bank check, removed it as cash, etc. I would have had options. Being told fraudulent info caused me to lose the money & I asked for it to be redeposited into the acct by WF since it was their bogus info that caused the money loss. WF is refusing to make good on that check & the only response is they will better instruct their agents? Totally ignoring that the info they provide is incorrect & caused this issue. Again, I would like the total amt of {$19000.00} to be reimbursed by WF into the acct for their wrongdoing, misinformation & direct cause of money loss.

Thank you for working on my behalf to resolve this issue.

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 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent account with XXXX XXXX XXXX, Address, Telephone and Inquiries that I did not authorized appeared on my Transunion credit report.

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 2018-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I closed on a cash out refinance with M & T Bank. Unbeknown to me, the FHA HAMP loan I received in XX/XX/XXXXwas missed during the title search by the title insurance company that M & T hired. In XX/XX/XXXX I was contacted by HUD that my HAMP loan became due when I refinanced. I did not know this. They want me to pay {$2700.00} a month in addition to the {$2600.00} I pay for my mortgage. I am not in a financial position to to that. I was working with M & T for two months and they filed a title insurance claim. Last month they told me to get an attorney as they are only concerned with their rights not mine. I had to borrow {$2000.00} to pay an attorney and she is working with HUD on getting a lower payment plan. Now HUD has put this HAMP loan on my credit report as a collection account which has caused not only my credit score to go down but I am unable to cosign a student loan for my daughter who is a straight A student and supposed to start college in the fall. All of this is happening because M & T and their title company made a mistake. I never should have been approved for the refinance. I need help with M & T as they need to take some responsibility in this. If the title insurance company grants M & T 's claim then I should benefit from that relief. PLEASE HELP ME!!!!

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 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LOAN TO LEARN
State: AZ

Complaint narrative:
I filed bankruptcy years ago and included a XXXX XXXX XXXXXXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with XXXX and XXXX but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I checked my credit report recently and noticed that my student loan balances are not going down. They are in fact going up, and this is after they changed my repayment plan, and increased my payment by over a {$100.00}. ( it has continued to increase since then ) I would expect my balances to get lower after that. I had to do a lot of juggling to work the increased payment into my budget. Here is the payment history for the last 24 months. 

You can see starting XX/XX/XXXX all my payments are going to interest. This company is ripping me off. I wish I would have seen this earlier. 

Date Description Principal Interest Fees Total XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$140.00} - {$220.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Adjustment {$57.00} - {$57.00} {$0.00} {$0.00} XX/XX/XXXX Payment {$0.00} - {$460.00} {$0.00} - {$460.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$12.00} {$0.00} - {$12.00} XX/XX/XXXX Payment {$0.00} - {$480.00} {$0.00} - {$480.00} XX/XX/XXXX Adjustment {$0.00} - {$21.00} {$0.00} - {$21.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
Fifth third bank applied late charges to my auto loan without notice. In XX/XX/XXXX I switched auto insurance providers. I have an automatic pay structure though our bank XXXX and made our scheduled payments without interruption. 
On XX/XX/XXXX I looked at Fifth Third 's portal for payoff information and found late fees on my account and emailed them through their portal asking for an explanation. 
On XX/XX/XXXX, I logged into their portal again and found their response was that they applied a fee for auto insurance when I switched providers and that they had " mailed a notice '' to my home. All our transactions have been electronic and they did have my email and phone number but I did not get any notice. 
When I called about the lack of notice and to validate my current insured status, " you need to pay us or you will be late again. The insurance validation process takes a long time and is another department, so you need to pay us today ''. 
This appears to me that they are trying to drive additional fees much like XXXX XXXX . Though they got monthly payments that did not trigger an attempt to explain a need for insurance validation or any communication with me at all. I think they would have been happy to take my payments forever, applying them to fines that should been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed bankruptcy years ago and included a XXXX XXXX XXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with XXXX and Transunion but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.

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 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filed bankruptcy years ago and included a XXXX XXXX XXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with Equifax and XXXX but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation no knowledge Name, Address, Telephone and Inquiries that I did not authorized appeared on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I purchased a new XXXX XXXX. I paid {$20000.00} down and financed {$10000.00}. I paid off the {$10000.00} and the check cleared my bank XX/XX/XXXX. I have made several requests trying to get the lien release sent to me so that I can register and title the car in my home state of MN with a free and clear title. The interest was paid in full and their records indicate XX/XX/XXXX. I have requested a XXXX balance letter and have been denied that as well. He placed another request for this today. 

I have made several calls to GM Financial and have been told as many different answers. Each time I speak with someone I am told something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Student Aid (USA) Funds
State: FL

Complaint narrative:
On XX/XX/XXXX, my Navient school loan was paid in full. There was a current wage garnishment with my work so 4 checks further were sent out to them by the time my work was notified of the account paid in full on XX/XX/XXXX. XXXX cashed the checks ( i have the cancelled checks cashed on XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$22.00}, XX/XX/XXXX - {$140.00}, and XX/XX/XXXX - {$140.00} ). I began calling on XX/XX/XXXX to ask why I wasn't issued a refund as the account was paid in full and closed out. No one could answer but said it is 30 days for a refund. I called again on XX/XX/XXXX, and was told it was 30-45 days for a refund to be completed. Then called again on XX/XX/XXXX And this was time was told it was 60 days for a refund and it was not sent to accounting until XX/XX/XXXX so they wouldn't start the refund clock until then. I called today XX/XX/XXXX and this time was told it will take 60-120 days for the refund to be processed. At least 3 times i left messages for supervisors and never received phone calls back. Today I asked to SPEAK to the supervisor and was told he was on vacation. I then asked to speak to the ACTING supervisor and was told there was no one in charge. Also, my social security number is no longer even valid in XXXX automated line. So obviously my account is far along in the process of being closed out. I am upset by the lack of concern for a refund of checks that were cashed AFTER an account was closed by over a month. The checks could have been returned to my work instead of cashed but instead my money is sitting in their account for months and months and no one can tell me when I'll get it back but my own bills remain unpaid. A serious lack of customer service and I believe ill management of funds. And there is no one from XXXX who I can call to get any information or confirmation from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate Name, Address, Telephone and Inquiries that I did not authorized appeared on my Experian credit  report.

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 2018-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: GA

Complaint narrative:
I am behind on my loan. My husband recently lost his job. The company keeps calling. They call me multiple times a day. They leave me multiple messages. They keep calling my job multiple times a day. Now they have stopped calling my personal phone and only call my job. They will not stop calling me at work. I am afraid I will loose my job because of this. This violates my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We have sued Ocwen and it's in litigation. The phone reps continue to harass daily for payment when none is owed.

Company response to consumer: Closed with explanation