vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo filed a foreclosure with the XXXX County courts on last Tuesday ( XXXX/XXXX/XXXX ). A Case Management Conference has been set for XXXX/XXXX/XXXX at XXXX. They have n't even served me as of today ( XXXX/XXXX/XXXX ), but yet " questionable '' summons have been submitted to the courts. My mailbox has been inundated with letters from local attorneys attempting to solicit my business on a matter that I knew nothing about. I tried to get another HAMP modification after my hardship began on XXXX/XXXX/XXXX, but I was told verbally and in writing that I did n't qualify because 2 years had n't passed since my last application. I have reached out to Wells Fargo more times than I care to count and only to be denied further assistance from their rude and unprofessional customer service representatives. I had to go online to find the Homeowner Financial Assistance Form and Hardship Affidavit Form in order to submit my modification packet on today ( XXXX/XXXX/XXXX ). I 'm awaiting a response from their Home Preservation Department.

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 2016-08-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Wells Fargo credit card was a promotional interest rate card ( deferred interest ) where no interest would be incurred if the balance was paid in full within 12 months. I missed the expiration date of the promotion period on the statement as it was on the second page of the statement. I understand from a question and answer segment on your website " Your credit card company must tell you the date by which you must pay off your balance to avoid being charged deferred interest. That information must appear on the front page of your bill. '' I was charged almost {$600.00} of interest at a 28 % annual rate.

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 2016-12-05 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Mother-In-Law is XXXX after a XXXX and the only income she receives is from an insurance payment and Social Security. Her income is $ XXXX. However, she was able to go into her local Wells Fargo bank and even though she XXXX, she walked out with a {$5000.00} limit credit card. 
This is ludicrous. Right now it is 0 % interest but that ends next year and whilst I am working with her to pay off the balance, I 'm disgusted that this was allowed to happen. They know that there is no way she 'd be able to pay it off if she maxed it out, how was this able to happen?

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 modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage loan is currently serviced by Wells Fargo. Wells Fargo has refused to complete the modification underwriting process through HAMP ( exhibit A ). Wells Fargo has advised that there is a split security interest on this loan with XXXX. Regardless of the security interest split, per the National Mortgage Settlement of XX/XX/XXXX, Wells Fargo is required to process all loan modification requests through HAMP. Ultimately, Wells Fargo must proceed with the loan modification waterfall process and use the standard DTI threshold of XXXX % in order to figure the proper monthly payment. Per the loan modification that Wells Fargo executed XX/XX/XXXX ( exhibit B ), the payment was set at {$1600.00} interest only payment and {$1900.00} total payment with escrow. This particular loan modification is predatory in nature since the DTI equals nearly XXXX %, which is way beyond the XXXX % threshold. Regardless if this loan modification was structured under HAMP or an in house proprietary modification, RESPA laws were violated due to the predatory lending actions. I have also been approved for CA Hardest Hit Funds to bring my account current, which Wells Fargo declined to accept. Had Wells Fargo accepted the funds, I would not be in the current foreclosure positon I am in today. Wells Fargo has implemented a foreclosure sale date of XX/XX/XXXX ( exhibit C ), even though they have been negligent in following the laws within the CA Home Owners Bill of Rights ( CHOBR ). The CHOBR has been violated on XXXX distinct levels. One, Wells Fargo never assigned single point of contact that processed the loan modification from start to finish. Two, Wells Fargo will not process the current loan modification application submitted, citing that previous denials will not allow for re-entry into the loan mod process. Three, Wells Fargo, has not halted sale date activity when formal appeals were filed in the past. Since Wells Fargo has violated RESPA and CHOBR law on many levels, I am seeking your assistance on this matter. You can reach me direct via email at XXXXXXXXXXXX

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 2015-12-04 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2015 Castle Payday Loans deposited {$500.00} into my checking account. This was done without any knowledge by myself as I did not apply for any loan. With any company with exception of XXXX company for several years. But never this company. The loan amount is more than what is allowed in California where I live. I live on XXXX and can not afford any loans of this amount. 
I have never received any documentation whatsoever of any kind except an email notice that a payment was due on XXXX XXXX, 2015. This email was received on XXXX XXXX or XXXX, 2015. This notice did not include any amount due, no account number, or my name. The email address that this notice was sent to is an old email address I have for a small business that is not currently in operation. 
I have closed the bank account the {$500.00} went into as that account was not used to apply for the supposed loan and therefore was fraudulently accessed and used. I also feared that the Castle Payday Loans would take payment for the loan. This concerned me as I live on limited income and the fact that I did not apply for or request any loan from this company. I am afraid to contact the company as I fear they will somehow use any communication against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau cc XXXX Experian Credit report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Phone : XXXX XXXXXXXXXXXX Re : XXXX XXXX XXXX Installment Accounts none reporting via Experian as of the date of this letter. 
XXXX XXXX XXXX Installation Accounts XXXX and XXXX XXXX XXXX, 2016. 

I have tried on several attempts via the lender, XXXX XXXX and finally with XXXX on XXXX XXXX, 2016 in addition to a follow up call with Experian direct ( I spoke with customer care dispute representative XXXX ) on the date of this letter@XXXX ; however with no success. As the representative advised that the dispute was not showing as pending/received. Notwithstanding he advised that I dispute the issue with the lender again, which I have done on several occasions without any successful update of said Experian. 

Please assist. 

Thank you.. 

Sincerely,

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 2015-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
I settled an old incorrect debt I had with XXXX XXXX XXXX on XXXX, per attached letter from XXXX. I called Enhanced Recovery Company several times and they literally made fun of my plea to close the account and not to send it to the credit reporting agencies. There are over XXXX complaints on this site about ERC and wonder when will the government put an end to their totally illegal and aggressive debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MI

Complaint narrative:
I do not recall receiving any notice of right to dispute or validation of debt. The Stillman Law Office filed court motions for a alleged credit debt sending only a statement. They then dismissed that case in XXXX of 2015, only to reopen to attempt to collect and gain more time for discovery. This office has been cited for multiple violations of Fair Credit Collections Acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: SC

Complaint narrative:
Collection agency in Florida continues to harass my home by calling and leaving no message although I have called them and asked to be removed from phone base and informed them person they are attempting to reach ( XXXX XXXX ) has never lived here and is unknown to me! There are numerous complaints an line regarding these creatures and nothing seems to be done regarding the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: TX

Complaint narrative:
There is a company that just listed a collection on my credit file whom is ERC trying to collect for XXXX XXXX. I fought this with a prior agency XXXX I do NOT owe XXXX anything. Please help this is out of control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In 2006 I applied for a home equity loan from XXXX XXXX Bank. XXXX XXXX Bank committed fraud in the origination of this loan because it charged me more fees as an XXXX than that of XXXX borrowers. XXXX XXXX was sued by your agency and paid a settlement. RBS Citizen bought the fraudulent loan from XXXX ( XXXX XXXX Bank was acquired by XXXX ) and now is suing me to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield is a debt collector that purchased a debt from XXXX, an apartment complex in XXXX. In XX/XX/2016, they fraudulently placed a collection account on my credit reports. Upon obtaining the account documentation from Hunter Warfield, it was clear that the account was fraudulent, and not only did I not ever owe XXXX ( and accordingly Hunter Warfield ) any money, they actually owed me money. However, my attorney made Hunter Warfield an offer of settlement - remove the collection from my credit reports, and I would not pursue recovery of the funds owed to me ( plus attorneys ' fees ). 

Although Hunter Warfield never responded to my attorney 's numerous emails and calls, they did remove the account from my credit report. Now, more than 6 months later, they have re-reported the same debt, which they know to be both fraudulent and non-collectible. This is a clear violation of both state and federal debt collection practices, and is only an attempt to extort me for the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: MA

Complaint narrative:
Hello, A while back I had to have my credit pulled so my wife and I could get pre-approved for a home. XXXX of my credit scores were great, while XXXX was roughly XXXX. I found out that I had a delinquent balance of {$90.00} from XXXX XXXX regarding a bill I did not pay because I no longer lived at the apartment I moved out of. I canceled my cable subscription and returned my equipment and was not aware of any termination fee. That being said, I paid the collection bill right when I found out. It was for {$90.00}. That was back in XXXX 2015. Now I had my credit pulled again to refinance my car. The collection was still on my credit report as unpaid. I called XXXX and they told me to contact Enhanced Recovery Company. XXXX told me that there were XXXX open delinquent non-payments of {$90.00}. They had finally told me that I paid it off in XXXX of 2015 after telling me several times that there was no payment on that account. The reason for XXXX open cases is because they gave the collection back to XXXX XXXX and then XXXX XXXX asked for it again creating XXXX delinquencies. I was not aware of any of this during the years this has been attacking my credit. I now can not get approved for the car loan I want. 

They told me they can only update the file and they ca n't tel XXXX or whoever to remove it despite it being their mistake. I spoke to a XXXX XXXX at this company. I am looking for someone to get this removed from my credit report so it wo n't bring it down for 7 years. It started as a bill I had no idea about because I no longer lived at that residence and was not told about it. Then it turned into a collection that a company did not even list it as paid until yesterday. This is really hurting my credit and I am hoping the CFPB can help. I really appreciate what you do. This coming from a person that lives in the state where XXXX XXXX is my Senator knowing she played such a pivotal role at the creation being nominated. 

Please let me know what I can do for this collection agency to have it removed. Thank you! 

Sincerely, XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I contacted Citizens Bank Of MA in regards to XXXX overdraft fees that were issued to my account that I would like waived, I check my account every day ( sometimes twice ; morning and XXXX ) and the transactions were not posted. ( Previously I was instructed if my account was ever to go into the negative as long as the money was transferred the same day then I would n't incur a fee. The next day when I checked my account and saw it was in the negative, I immediately transferred the necessary funds. After calling the bank and speaking to a supervisor, who told me that sometimes charges post overnight they still are not responsible to give me back the XXXX {$35.00} overdraft fees because the dates that is shown for the posted transactions and the next morning transfers are different. In addition, to the supervisor being very curt while indirectly admitting his bank post transactions after business hours which led to false overdraft charges that did n't post until 2 days later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I submitted an online application for a Capitol One Credit Cardone week ago. I received my approval within minutes. I thenreceived a phone call from the Fraud Detection Department. 
As well as a follow up letter saying that New Documentationwas needed to verify my identity due to suspected identity theft. 
I ask what this was regarding and received no response. I thenagreed to submit a copy of my drivers license front and back aswell as bank statements and other proof of residence. I spoketo a supervisor on XXXX XXXX at Capitol One that informed methat no other documentation will be required and it would takebusiness days to resolve this issue. I received the cards but wasinformed that account was on hold. I have been receivingphone calls and emails from Capitol One asking me to resendthe same documents over and over again and was told XX/XX/XXXXmy cards would be restricted until I send documents for 4thtime. I ask to please tell me what the circumstances werethat brought this matter up. No response. Capitol Onerefuses to activate my cards. they are harassing me via calls aand email. I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Express Collections, Inc.
State: SD

Complaint narrative:
They call me on my cell phone during working hours. They are aware this is a cell phone. I have told them that I do not have a land line I have written to them telling them not to call me at my job. They are aware of my work hours. I also do not owe this debt. The vet took an XXXX that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Re : Citizens Bank, XXXX XXXX, Ct. 
Acct # XXXX, XXXX XXXX XXXX of XXXX XXXX XXXXI have multiple personal and business accounts with Citizens Bank and have been repeatedly told that because of the total large amount of money I have on deposit none of my accounts will be charged a service fee. On FOUR separate occasions I have discovered that for months Citizens has been charging some of my accounts a service fee. Each time I talk to and email my representatives asking for the fees to be reversed, for a written letter apologizing and explaning what happened, and for a written assurance it will not happen again. The first three times the fees were reversed but I never got so much as a phone call, let alone the written documentation I requested. Today I discovered that CitizensBank again has charged the above acccount a {$25.00} service fee on XXXX, XXXX, and XXXX/XXXX/15. I am not sure if they have charged my other accounts or my wife 's accounts on other dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
I receive a letter from Enhanced Recovery Corp. It said that I owed them {$89.00}. I told the representatvive that it was not my debt. They assured me that collection tactics would stop and that this collection would be reoved from my credit bureau. Tney have not complied and have continued to try to collect the debt. They have not removed this from my credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: GA

Complaint narrative:
After doing a routine check on my credit report, I noticed a collection on my report from Enhanced Recovery Company, LLC., for a debt that does not belong to me. 

A certified letter was mailed to Enhanced Recovery Company on XXXX/XXXX/2015 notifying the company of the false debt and the immediate deletion of the debt from my credit history from all credit reporting agencies. 

Enhanced Recovery Company received the letter on XXXX/XXXX/2015. Enhanced Recovery Company continues to ignore the certified letter and continues to report a false debt to all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: TX

Complaint narrative:
I had a duplicated account created in error by XXXX and this account got forwarded to ERC. I have been disputing this debt for over 2 years and they refuse to remove it from my credit report. I got ahold of XXXX and they self credited the account for {$100.00} and made me aware that they would inform ERC of their mistake. I have spoken to ERC and they only give me the run around stating they have let the credit reporting agencies have the updated information. Yet as of XX/XX/2017 they are still reporting this as a valid collection. I spoke to XXXX and they say that ERC is the one that refuses to send them a release of obligation therefore they can not erase it. Between ERC and XXXX they keep putting the blame on one another. Please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: ERC
State: TX

Complaint narrative:
An agent contracted me XXXX said that In would be puckered up from my job and taken to jail its i did not pay the amount. In ful ny a certain date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Cognition Financial Corporation
State: MA

Complaint narrative:
I use XXXX XXXX XXXX to pay for college. They charge a fee to break the amount into XXXX payments. I have made XXXX payments for the Fall semester and have been charged a late fee. I do not believe I have been late. Last year they tried to charge me late fees because I did not send in the same amount every month. I think the late fee is a scam.

Company response to consumer: Closed with explanation