vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My son 's Wells Fargo Student Loan went into default without contacting me. I have asked for all the loan documents but they just send me a copy of a copy of the loan request and some bills they said they sent. I have asked for all of the paperwork and documentation but they do n't send anything with who the loan Officer was or where it was done. I am totally XXXX out and confused on this since they say it 's default yet I 've been paying but they said they changed the account number and it is for $ 15,000+ dollars but they loan should be for like {$5000.00}. I think they rolled an additional loan on to an old one. Now my credit is shot and I 'm still paying. Why wo n't they send all the documentation or help? I have asked and asked but the give the same answer. It is so sketchy, if it is really legitimate why not send what I 'm asking for? I would n't mess up my credit like this ever. I just got a regular loan bill in the mail, it 's like they 're trying confuse me by sending different letters from different people days apart and still the bill that shows a payment of $ 10.+ due.

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 2016-01-02 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Windham Professionals, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : On XXXX XXXX, 2015, I spoke with XXXX XXXX of Windham Professionals XXXX who advised me on available options I would need to take to avoid a wage garnishment pursuant to a student loan default. XXXX XXXX requested my XXXX tax form, which I faxed and obtained confirmation of receipt on XXXX XXXX, 2015. I never received a follow up call or email for next steps. 
On XXXX XXXX, 2015, I received a phone call from XXXX XXXX of Windham Professionals XXXX who discussed with available options to avoid default and garnished wages. XXXX XXXX offered ( and I accepted ) a payment arrangement whereby I would pay {$100.00} toward my student loans beginning XXXX XXXX, 2015. The first payment was withdrawn from m account per the agreement on XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I received a letter of garnishment in the mail entitled Employee Notification of Garnishment Order for Student Loan and dated for XXXX XXXX, 2015. This letter informed me that I have received a court order to garnish my wages and that the first deduction would begin on my next paycheck. 
I object to the garnishment because the method by which it was accomplished was unfair and deceptive and I was not afforded adequate notice pursuant to law. I never received prior notice or a Notice of intent Garnish informing me on my rights. I should have been informed of my right to request and inspect copies of my student loan records ; my right to request a hearing to present evidence that the garnishment should not be allowed ; and my right to enter into a repayment plan with the loan servicer. 
If my conversation with XXXX XXXX was my " notice of intent '' ( which can not be considered proper notice ) then orally accepting and agreeing to a payment plan should have prevented any garnishments proceedings. Proceeding with garnishment despite entering into a voluntary payment agreement with XXXX XXXX was procedurally improper and intentionally deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am complaining about XXXX accounts that I have with Wells Fargo. They have them listed as a charge off. I do not have the last XXXX numbers due to the age of the loans. The first is XXXX and the second is XXXX. I have tried for years to pay on these accounts and each time I try I am told that these accounts are sold and they supply me with the name of the buyer and the phone number. I call the number and they say that these accounts have been closed and to call Wells to ask any questions. Nobody will let me pay on them and nobody will let me settle on them. They just keep calling me late month after month. I have tried for years to pay or settle and nobody will let me. I recently wrote another dispute and attached is the response. I am not disputing the amounts even though there was clearly charges that should not have been on the accounts. I am disputing that these accounts should not be called late when they are closed. I am disputing these accounts that they are calling them late and will not let me pay on them. I am disputing these accounts because they say they are a charge off and still calling me late. I have disputed with them many times in the past. I never get a reason and they only say that the info is accurate. No it IS NOT!!!!! It is a crime to call someone late when the account is closed. It is a crime to report someone late when you do not accept a payment. I also want to make a formal complaint. I have been told by an employee that is in management at Wells Fargo, that Wells has reached out to all the local banks in XXXX and told them not to lend to me. If I do stop in a bank for money that Wells is to be contacted. I have this from an iron clad source and I want action now. Black balling is against the law and if this is not corrected, I will file suit and sue for as much money as humanely possible. This bank has mad a personal vendetta to black ball me and hurt mine and my wifes name and I am done tolerating it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I will like records of why did you take more than XXXX figures out of my account and close it. I was away and could not claim. The account number is XXXX. My request is to refund the fundsyou took away with out explanation and to reopen a new account in Wells Fargo Florida.

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 2017-03-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have reported my card stolen XXXX different times now. Every time this causes me to open a new credit account. I 've told the bank and XXXX that the reason I keep reporting it stolen is because XXXX keeps getting access to my new card. Visa is providing them this. I told XXXX to stop getting my new card number, and they have refused. They also refuse to let me cancel except in person or by mail which I can not do.

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 2015-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was shopping for an investment property mortgage refinancing and XXXX XXXX XXXX ( XXXX ID XXXX ) from Wells Fargo, XXXX XXXX, Iowa was helping me. He quoted me an interest rate of 3.5 % with a 3.679 % APR. He also stated my credit score was XXXX. My credit score is around XXXX from the XXXX credit bureaus. In addition, XXXX stated the appraisal fee would be {$470.00}. When XXXX e-mail me the loan paperwork, the interest rate is 4 % and there is a whopping {$8000.00} closing costs for the loan. The appraisal fee also changed to {$720.00}. I called XXXX and e-mailed XXXX asking why. He never returned my calls or respond to my e-mails. This is deceptive advertising on behalf of XXXX and Wells Fargo. I do n't know how many more consumers are being ripped off from people like XXXX and Wells Fargo if they do n't read their paperwork. Something should be done about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CrossCheck, Inc.
State: VA

Complaint narrative:
My check was denied at a merchant in XXXX, VA due to a financial monitoring company, " Cross Check, Inc ''. When the merchant checked with the service, they said my check number had already been used. The merchant knew me and let me pay with the check. 

I called the Cross Check number and the only option an automated system gave me was to file a complaint online, by mail or by automated phone line. 

My bank account showed the last check issued and it was not the check number being used and the bank balance was fully funded. This was an unnecessary embarrassing situation due to bad information by Cross Check XXXX Inc, and they gave me no option to find out what caused their system to deny my check other than file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have submitted my application for a modification to have reviewed once more. I submitted all my paperwork on XXXX XXXX, 2015. My income has declined since my last submission, and I have not received a call or letter to acknowledge my submission. My daughter contacted the home preservation specialist, and stated she is n't sure my information can be reviewed once more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMCOL Systems, Inc.
State: OH

Complaint narrative:
I have an unverified account from AMCOL. I had previously disputed this account. I have never done business with AMCOL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LendUp Loans LLC
State: CA

Complaint narrative:
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by FLURISH INC. , XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX i fell and XXXX and I 've been out pf work. They keep calling me even when i explained my situation that i have n't worked because of my injury. They are also harassing my references i gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 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: FL

Complaint narrative:
XXXX XXXX, XXXX cfpb Re : Bayview Loan XXXX XXXX XXXX XXXX XXXX XXXX I have sustained unmeasurable financial and personal loss as a result of the misleading and unethical conduct of Bayview Loan Servicing. I believe I am due a substantial reduction of fees, interest, and principle as a result of the gross mishandling of my mortgage. The attached timelines chronicles the events that effected this situation, to date. I must stress it was based upon Bayview advised that I decline the original modification as the offered a principal reduction program of which my approval was " eminent ''. 
1. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( loan XXXX ). Shortly thereafter the loan servicing was assigned to Bayview Loan Servicing ( account XXXX ). 
2. XXXX XXXX, XXXX. After 22 months qualified for Home Affordable Loan Modification - Representative 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX. XXXX ). 
3. XXXX XXXX, received notice that I qualified for a new modification based upon a national mortgage settlement reducing monthly payments " up to 39 % ''. From XXXX XXXX Bayview Loan XXXX XXXX. XXXX XXXX, XXXX - received notice of approval on XXXX XXXX XXXX XXXX 5. On XXXX XXXX, XXXX as instructed by XXXX XXXX ( per the advice of his supervisor ) to decline loan modification and apply for settlement program, which I did. 
6. Over a period of a year, supplied documentation to XXXX. Each time he acknowledge and stated things were moving along well. 
7. XXXX XXXX, XXXX receive notice of Default and Intent to Accelerate from Bayview. XXXX year after being advised to decline loan modification. 
8. With the assistance of XXXX XXXX international ( client XXXX ), Representative XXXX XXXX XXXX Bayview re-opened modification program application. I was under the assumption it was the same program XXXX proposed, assigned to XXXX XXXX at Bayview ( who has been most helpful ) XXXX. 
9. XXXX/XXXX/XXXX Approved for loan modific ation ( not from settlement ) program with a massive balloon payment of {$310000.00} but a lowered interest rate. Far from the 39 % reduction I was lead to believe. Representative XXXX XXXX XXXX x XXXX. 
10. XXXX/XXXX/XXXX XXXX XXXX informed me they do not offer settlement reduction modifications. I said I had a copy of the proposal, which I forwarded to him ( attached ). 
Please note if I proceeded with the original modification, rather being instructed by Bayview to reject it, I would have been making payments over the past 23 months, there would not be an extreme past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 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: CA

Complaint narrative:
Lender refuses to provide a loan history. I requested it orally multiple times, and in writing several times. They refuse to provide. As one of their excuses, they claimed they provided a statement one and a half years ago and do n't need to now. Another excuse they use is they did n't recieve the fax, though it was faxed multiple times, with confirmation, to the various numbers they provided. Each time, they say they wo n't respond to an oral request, and refer me back to the fax request process that I 've done multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Machol & Johannes , LLC. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. 

I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. 

On XXXX XXXX, 2013, I sent Machol & Johannes , LLC. a certified letter that included, among other things, very specific directions about how to contact me as I have a XXXX XXXX ( I live in a rural area ). The tracking number for the certified letter is XXXX XXXX XXXX XXXX XXXX. 

( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I collect XXXX and buy, sell and trade for such things on XXXX. I saw an ad that was posted for some XXXX. I asked the seller if we could make a deal. We talked on the phone and worked out a deal on I wanted to do XXXX but he couldnt so we decided to do western union. The deal we worked out was XXXX for XXXX pieces of XXXX stuff, a XXXX and XXXX. It was the XXXX time i ever sent a money transfer so i went thru western union. Western union said it couldnt process the transaction but didnt tell me why. So he seller told me try using his brother and he can have his brother pick it up. On XXXX XXXX that transaction worked fine and he told me over the phone he would ship it out XXXX thing in the morning. I tried contacting the seller after a week, no answer and again after XXXX weeks when the items never came and no answer. This is when i know i got scammed. I never would have thought it was a scam because we talked so much on the phone and he knew alot about XXXX and overall just seemed very sincere in personality. So with the western union costs im out XXXX bucks and i dont want this man to do the same to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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 Bank unilaterally determined to close my account. When it did so, it also removed my ability to access my account and account statements through its website. I recently received a check from Schwab for an amount it represents constitutes the balance in my closed account. It misrepresented in the letter that accompanied the check that I asked it to close my account ( it made the determination unilaterally and contrary to my desire ). It provided to me no statement or accounting of the closed account or any other explanation of how it arrived at the amount of the enclosed check. When I called to complain that I have no means of verifying the amount of the check was the actual amount remaining in my closed account, it still refused to provide me with any online access to my account records or statements and has not given me anything as a means of accounting for the amount it sent to me. It just expects me to take its word for the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
CheckSmart is trying to locate my nephew. They have me listed as a contact. I told them to stop calling me. They said they would take me off the list, but they still are calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
i have purchased MoneyOrders from western union they have dishonoured those for their negligence and have been making several stories to defend their negligence. its been over 3 weeks they are still holding my money. it has hurt my credit as i used those MoneyOrders to pay XXXX XXXX their resons 1. they suspected fraud, 2. some named karina stopped them 3.agent called to stop them. all of the above are not true. they did not call agent to verify the transaction nor has the agent called them for any reason as they claim they should provide the letter to stop payment or a recorded phone call or if they suspected fraud they should have called the agent to verify my identity before returning the money orders

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I sent money to my sister who 's on vacation in XXXX, Western Union held the transaction saying it need to be review and they will contact me after two hrs. My sister told me to cancel if that 's how long it will take so I called 10 minutes after to cancel and they did not cancel my transaction. Their email confirmation clearly states that I can cancel within thirty minutes after sending money unless it waa picked up but now that I did they 're giving me the run around. I spoke with a rude supervisor who told me that they 're investigating my transaction and will not get an answer until 1 to 3 business days and that I agreed to the terms and conditions so I have to wait until they decide to approve or cancel the transaction.

Company response to consumer: Closed with explanation