vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE
State: DC

Complaint narrative:
Interaction with Charles Shwab bank request to get a new debit card. I understand protecting my account and not disclosing to many details without verification but they have gone to an extreme - to the point where I do n't feel comfortable disclosing all those details over the phone or banking with them. When the owner of the account feels uncomfortable you have crossed the line. It 's my money in the account you should make me feel comfortable with you holding so many details about my life -- not the opposite. I answered questions as to how much money was in the account gave an approximate b/c that 's how the question was asked not exact amount in the account. I answered the account number # question. I was asked to disclose my last transactions. I answered mentioned they were all to pay credit cards - when probe I told them the XXXX credit companies that received payment. When probed again i said the amount for those transactions. Apparently this was not enough information and the individual wanted to know my login id. I asked him to ask me a different type of question. He said because I refused this question and the date of my birth question I had to go and perform my transaction in person. I am not asking for a transaction to withdraw funds or to change personal info on the account. I just wanted to request a new debit card. This person did n't care they only cared about getting more personal details about me instead of helping me out and refused to ask me a different question. He also asked me what was my mothers maiden name. I will be closing my account with them because honestly there is such a thing as common sense - I understand compliance but if bank institutions are just operating in a check the box mentality instead of using their brain -- -she just wants a debit card - if you want one we 'll send it to you to the address you have on file can you verify that address - great thanks have a nice day. that 's how that transaction should have gone. If I gave the incorrect address by all means put a red alert - ask me all the questions you want. 
Now I need to go and find a new bank and 401 K provider. A company that treats me as an individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I have a Western Union money order that was made out to me. I tried to cash this money order at a WESTERN UNION facility. They do not cash their own money orders!! It seems Western Union will gladly accept someone 's money but will not give it to the person it is made out to. 

The only place to cash Western Union money orders is at check cashing places that charge 8-10 % of the amount! I just called around. 

This is ridiculous and takes advantage of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO

Complaint narrative:
We paid-off our mortgage on XXXX XXXX of this year. Our former lender ( Bayview Loan Servicing ) acknowledges that they received funds on XXXX XXXX. We called this evening ( XXXX XXXX ) to inquire about refunding the balance remaining in our escrow account. They informed us that it is their policy to wait 30 days before processing the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NV

Complaint narrative:
On XXXX XXXX, I took out a {$200.00} loan from this company ( Cash Central ). I refinanced this loan shortly after I took it out because I knew I could n't make the complete payment on XX/XX/XXXX. I got an e-mail stating the refinance was approved and that on XX/XX/XXXX, I would have {$120.00} taken out and the remaining amount taken out on XX/XX/XXXX. Two payments of {$120.00} which would total {$250.00}. On XX/XX/XXXX, I received an e-mail stating that {$150.00} would be taken out on XX/XX/XXXX and to make sure that I had funds available. I responded to the e-mail stating that I did n't understand where the amount was coming from because I had the loan refinanced and explained that I had to make a rent payment which was why I refinanced the loan. 
On XX/XX/XXXX, they attempted to take out {$140.00} from my bank account ( which resulted in me being overdrawn ) and I filed a complaint with the local XXXX. I have not received word from them but today I received an e-mail stating that I am being charged an extra amount because the amount they tried taking out on XX/XX/XXXX was denied. I am currently overdrawn with my bank because this company did not honor the agreement I signed. I have a screen shot of the XXXX pending amounts and will provide it if necessary. Curiously enough, when I view my account now, the two payments do not show up. It 's like they were wiped out which is a good thing I have a screen shot of what my account said when I checked it on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I am being contacted by a law firm for a debt I do not owe. I have kindly ask this debt collector to verify the information according to the laws of consumers. I have requested the original documents and verify the information accordingly. They have not been able to. I was a victim of identity theft in which I reported this information to the FTC and credit bureaus. This debt collector is harassing me for debt I do not owe and wants me to enter into an agreement with them that I am not required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WOLFE FINANCIAL, INC.
State: NC

Complaint narrative:
THERE IS A HARD INQUIRE ON MY CREDIT REPORTS THAT I DIDNT GIVE CONSENT FOR THE CREDITOR TO RUN MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I went to People 's United bank branch in XXXX XXXX XXXX on XXXX XXXX, the rep let a customer walk right up after the other customers and I were waiting for 20 minutes or more. All I did was ask how can someone just walk to the front of the line and a teller named XXXX said in a very nasty manner because another bank sent her here and I said she can just go to the front of the line. Well another bank sent me there I did n't just go to the front of the line. I then asked her why she was getting Nasty her tone was very rude, when another teller by the name of XXXX jumped right in our conversation and the rep at the business counter that was assisting the customer jumped in the conversation as well. I believe her name is XXXX it was hard for me to see her name tag. They were unprofessional arguing in front of other customers with me until another older lady in line came and told them she agreed with me. They started going back and forth with her as well. The customer then said I thought the customer was always right. I 've been banking there for over 15 years and I did n't deserve this treatment for asking a basic question nor did the other customer. I would like something done about this or else I will have no other choice but to stop doing my banking there or any other peoples bank branch. I hope to receive a response I 'm a supervisor in customer service and would n't dare to treat my customers in such a horrible manner. Maybe because no manager was there is why this happened since I have never experienced this before, there should always be a manger or someone there who knows how to treat customers. At least XXXX other people experience problems with the reps and they were all requesting a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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:
My mortgage was sold by XXXX XXXX XXXX to Bay View Loans. Shortly after, Bay View Loans reduced my loan payments. In XXXX they XXXX my mortgage payments saying my escrow account was low. I have owned my property since XXXX. I have always had a fixed rate loan and incorporated my tax and insurance into my payments, for this very reason! I am not in a financial position to handle such a dramatic fluctuation in my expenses. They claim to have under estimated my hazard insurance by about {$3500.00}. However, I have been with XXXX since XXXX and my hazard insurance only increased by {$29.00} this year! I am unable to pay this new amount and am in danger of losing my house! I believe my account was mishandled intentionally and I should not be held responsible for their mismanagement of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I was taken to court by a law firm representing XXXX XXXX credit card Patenaube and Fe! ix. They switched my court date three times and I was there every time but on the third time the baliff said they won a XXXX judgement on a card with a XXXX limit. I did not hear from them again for about six years. They never communicated with us on settling this debt. Then last week they levied my savings, my cd and our safe deposit box. The savings was Social security money from a savings account that was attached to a checking account which was only receiving social security XXXX. My wife who was not involved from this debt was also not able to access our safe deposit box. Bank XXXX XXXX charged XXXX to seize our savings which was for home taxes savings.. Then this law firm told us they needed a payment of XXXX overnight. We went tour bank to do this only to find out they had already seized the cd and our savings would given them quite a large over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: LendUp Loans LLC
State: TX

Complaint narrative:
Re : Your Application for LendUp 's Credit ServicesWe 're sorry. We can not approve you for credit services at this time. Please understand that asa XXXX Business XXXX XXXX XXXX, we provide as part of our credit services a guaranty on behalfof consumers for whom we arrange loans with third-party lenders. We therefore assess yourability to repay the loan you desire in determining whether to provide our credit services. 
While we are working hard to find a solution for every consumer, we regret to inform you thatwe are unable to offer you credit services at this time. 
Your application was processed by a credit scoring system that assigns a numerical value tothe various items of information we consider in evaluating an application. These numericalvalues are based upon the results of analyses of repayment histories of large numbers ofcustomers. 
The information you provided in your application did not score a sufficient number of points forapproval of the application. The reasons you did not score well compared with other applicantsmight include : Unable to verify the supplied bank account information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XXXX XXXX, 2016 I sent money to my fiancee in XXXX. On that day I paid using my XXXX XXXX XXXX debit card. The western Union tracking number is XXXX. The entire of {$320.00} was immediately debited from my account. About two weeks thereafter, Western Union debited the same exact amount from my XXXX account on XXXX XXXX, 2016. I discovered the unlawful debit from my account on XXXX XXXX, 2016. I immediately called Western Union and was advised that the money would be returned to me immediately. Since that time I have placed at lease three calls to Western Union and have not received my money. So effectively Western Union stole my money and while they continue to acknowledge the theft they can choose to return it when they feel like it. Today is XXXX XXXX, 2016 and I still do not have my money. They can not tell me when I will receive it. They should be punished they have offered me a free transfer for the next service. I have no confidence in them. I gave them over a week to take care of this problem yet it remains unresolved. I would like Westernh Union to be punished for this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had account with wells Fargo XX/XX/XXXX to XX/XX/XXXX. I was charged ridiculous amounts for atm fees. And nsf fees when money was in bank. Then I was harrassed by phone calls from them for the end fees even money was there. All in all roughly over XXXX lost from them I got the point where I just changed banks. There people were rude and in pleasant. I do n't want free credit monitoring. I just want my hard earned money back. They were constantly asking me to open accounts for home loans. Student loans etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I submitted a payment on my credit card at Wells Fargo Financial National Bank. The bank applied the payment to a mortgage at Wells Fargo Home Mortgage that was paid off XXXX years ago. Wells Fargo sent the payment back to me, and Wells Fargo Finncal National Bank is now calling me constantly about the supposedly overdue payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I had used my Macy 's credit card for a purchase in XXXX 2015, and paid half the bill before the due date in XXXX 2015, and paid off the bill in the entire amount posted online well before the due date in XXXX 2015. Now in XXXX 2015 I get another statement saying I owe {$2.00} more, now I know I paid everything in XXXX and before the due date, so I called to inquire about the {$2.00}, their story is that the {$2.00} is interest that failed to get tacked on to the XXXX bill, because it occurred after the billing date. What I do n't understand is how interest is being tacked onto a balance that was paid off before the interest is accumalated and how am I still responsible for it when they did n't add it to my bill, I paid the " current amount due '', not the billing amount due but the current amount due, so that should 've been the end of it. I know they 've done this before with my bills and I 've always paid my bills before the due date and always the current amount due, and still always end up with this {$2.00} interest fee after the fact, and stupidly never questioned it before and just paid it. I 've known others to have the same problem with this {$2.00} interest fee, and they 've since closed their cards because they do n't think it 's fair to be charged after the bill is paid. Yes it 's {$2.00}, but it adds up when you are paying it basically because you used your card. I have attached my XXXX 2015 and XXXX 2015 billing statements and you can see on the XXXX statement the {$2.00} fee is charged 3 days after I already paid off the balance, so basically the account was already at {$0.00} so I got charged interest on a {$0.00} balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please refer to events which occurred by referring to CFPB complaint XXXX. This complaint is related to the above CFPB case no. XXXX. 

I might add to this case that the XXXX office -may have opened up a case against me to protect misconduct falsified documents created by XXXX employees XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( man who held the unlawful auction related to my owner occupied home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX - XXXX ignored a Federal Cease and Desist Order issued by my attorney ) DUE to a Television Interview conducted with me by a XXXX XXXX XXXX XXXX XXXX back XX/XX/XXXX. I believe a lower court BK judge was mad that I diplomatically exposed the abuse which I endured in her courtroom. When I tried to reach for help whether XXXX office, XXXX or XXXX XXXX or Congresswoman XXXX XXXX related to the falsified documents - I was always ignored. I have reason to believe due to XXXX opening a investigation on me due to someone not liking my interview. The interview was educational and based on my experience as a mortgage professional who sold loans following CA commercial codes. Please refer to Case No. 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 2016-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I sold a property on XXXX/XXXX/16. The closing attorney paid the taxes that were due XXXX/XXXX/16 to the city. The attorney also sent the funds to pay off the mortgage to my lender, Wells Fargo. 
Wells did not properly credit the payoff, finally resolving the problem on XX/XX/XXXX. At first, Wells wanted to charge me interest for the late payoff, but then admitted their error and did not charge me. 
My problem is that Wells paid the property taxes due XXXX a XXXX time out of my escrow funds without ever checking \ if they had already been paid. They knew the property was being sold as we had requested a payoff for the loan. 
The city took the funds and applied it toward the next tax payment due XX/XX/XXXX. I do n't own the property any more! The money involved is over {$2000.00}. I have been asking Wells for a refund of this overpayment since XX/XX/XXXX. They have said it is the city 's job to reimburse me and have requested that the city send me the money. I say it is Wells fault and they should reimburse me and THEY can wait for the city to process the refund. If I was over 90 days last on my mortgage, Wells would be harassing me for payment, not ignoring 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 explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I paid a contractor {$550.00} with check # XXXX and he cashed this check on XXXX XXXX, XXXX. This person then redeposited the check on XXXX XXXX, XXXX, by changing the date to XX/XX/XXXX and Wells Fargo accepted it. I reported this theft on Monday, XXXX XXXX, XXXX and not a single person at Wells Fargo has been able to recover this money for me. 
I need someone to please help me with recovering this money stolen from 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 monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Bank of America vacated my account XXXX and kept the money. I had been trying to close this account for years. Now when I call them they ca n't heip me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief