vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I went into default on my private students loans when I was given misinformation from the original debt holder of all my student loans, XXXX. I spoke to a XXXX representative during a period of time that I was filing Chapter XXXX bankruptcy and was told to hold off on all my student loan payment until the bankruptcy was completed. My loan payment included both federal and non-federal loans so that information was correct for my federal loans that transitioned back into repayment without any problems, but incorrect for my non-federal private loans that were sent into default. I did not receive any notice about the default until it was already sent to collection agencies. Once I was aware of the misinformation and resulting default I started to pay XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX, that took over my non-federal loans. I was making monthly money order payments to the collection agencies for over two years, however they did not provide me with receipts of payments. When I requested proof of receipt of payments, XXXX XXXX XXXX , XXXX gave me proof, but XXXX XXXX XXXX , XXXX did not provide me with any information. Since I was not sure they were receiving my money order payments I stopped making the monthly payments since I did not know for sure they were being received and credited properly. XXXX XXXX XXXX, XXXX, did not contact me for six months instead they transferred my debt to Williams and Fudge, Inc. The new collection company is now calling and sending me notices demanding payment. Furthermore, they have added unexplained additional charges added to my original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: IL

Complaint narrative:
This company has violated the FDCPA and the FCRA. I sent a letter requesting to verify the debt and it is now over thirty days since they received the certified mail request. I have asked them to remove their derogatory information from my XXXX report and they have not complied.

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 2016-05-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Started a request to consolidate credit cards beginning of XXXX 2016. Two months and about {$1000.00}. later which includes about {$100.00} in fax fees we give up. Nothing but request upon request for money and paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XXXX XXXX, 2015 I submitted a wire transfer through Wells Fargo Bank to a hotel in XXXX. Wells Fargo was given the name of the bank and the account number in XXXX. The transfer said the beneficiaries account would be credited on or before XXXX XXXX. This did not happen. After XXXX XXXX, I was contacted by Wells Fargo and told to have the beneficiary take a form ( that did not reference the transfer ) to the intermediary bank in XXXX. When I sent the form to my beneficiary they refused to go to the intermediary bank and asked why their account had not been credited. When I contacted Wells Fargo 's international department they stated that the intermediary bank merely wanted the beneficiary 's email address and phone number. This was completely inconsistent with their earlier instructions. Because my arrangement with the beneficiary has fallen through due to the failure of Wells Fargo and their intermediary agent, I have asked for the return of all of my funds from Wells Fargo. This they have refused to do, insisting on keeping their fee and charging me for XXXX currency conversions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
I received a loan with big picture loans was never advised of he apr 832 % that I would be charge for a loan that I would be paying that increase amount over the borrow amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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: IL

Complaint narrative:
I contacted Enhanced Recovery Corp on XX/XX/2016 and paid my debt in full. Over 60 days has passed and they have not reported to XXXX that the account has been resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2016-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I received XXXX debt collection letters from ERC regarding XXXX debts to XXXX XXXX, XXXX. XXXX in the amount of {$990.00} and XXXX in the amount of {$760.00}. I received another collection letter from ERC on the XXXX/XXXX/XXXX for another debt in the amount of {$260.00}. I do not owe these debts. 

I have already sent, submitted a proof of ID to XXXX last year regarding another debt.

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 2017-02-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I am a XXXX Veteran, and this company continued to threatened me without any proper verification of this alleged debt. This debt is not mine and i have continued to request for validation and verification but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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: PA

Complaint narrative:
I had an unpaid debt to the creditor XXXX XXXX XXXX XXXX for XXXX XXXX on a Wi-FI hotspot. The company XXXX offered me a settlement of {$120.00} to pay off the debt. I accepted and paid {$120.00} in full, online, on XXXX. I have a statement from my bank reflecting this payment and a letter downloaded from the XXXX Web site which corroborates the debt was paid in full. I had no reason to believe otherwise. 

On XXXX I received a letter via USPS from Enhanced Recovery Company , LLC which stated that I STILL owed a debt to XXXX XXXX XXXX XXXX of {$120.00}. They offered a settlement of {$54.00} for this debt which I already settled through XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: OK

Complaint narrative:
I 'm currently in the process of rebuilding my credit and have been combing my reports when I came across a collection for an old Internet account back in 2011. I filed a debt verification letter with the collection agency at the XXXX of this month. I received a response the following day, during which they said the account status had been updated and it was placed in an " investigatory status. " When I checked my credit reports XXXX XXXX, my XXXX report shows this debt meets the guidelines set forth by FCRA. On my XXXX report, it shows the debt as being disputed. First and foremost, I never actually disputed the debt. I simply asked for a verification of the debt. 

I called to speak with the original creditor this morning, giving them the account number listed, my social security number, my name and former address the account was listed under and every other piece of information needed. After spending more than XXXX minutes on the phone with them, I had XXXX separate account receivables professionals tell me there is no record of any account or debt with my listed information in their system at any point. 

That tells me the collection agency simply ignored my debt validation letter or rubber stamped it because the original creditor does n't have anything listed for my account.

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 2017-02-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
Took a loan with Big picture loans they continue to change payment amounts and XXXX which I have already paid that amount over XXXX every two weeks since XX/XX/2017 and the payoff is XXXX over XXXX dollars in payments no principle reduction and they say it will be paid off in 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
This agency constantly called a place i consult for work, This might effect my relationship with this employer, negatively impacting my ability to work. I was told that they kept on calling. That is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
I filed a complaint already about this company not allowing me to reduce my monthly payments, and only giving me options that would still take all of my money from me. A week or so after filing the complaint, I got a call at a very inconvenient time and asked that they call me back the beginning of the next week. Two weeks later and they still have not called me. I tried emailing them regarding the status of the matter, and their contact page will not allow me to send an email. Whenever I call I am just left on hold for what seems like hours. 

It 's very apparent that they are trying to avoid the matter and focus on purely taking what money I have without helping me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 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: PR

Complaint narrative:
I 've been a XXXX customer for many years, I added a new phone account for my cousin. She purchased the phone plus a new number under my account. I recieved on my credit report that I owe {$110.00} and was sent to collections. I contacted XXXX, they said I 'm up to date on my payments. That I should contact the collection agency and dispute it immediately.

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 2016-06-01 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
I applied to a pre-approved loan. Once applied, I was approved and was told to sign ( online ) the agreement form in order to process any further. I read the loan agreement and decided not to pursue any further due to the interest rates they intend to charge. For a loan of {$250.00} they want to charge an interest rate of 865.8168 %!!! The total amount to pay back according to the agreement would be in the amount of {$1100.00}. Now again, this is for only a {$250.00} loan. 
Now they are harassing me through multiple phone calls a day and emails. I do not want to do business with them if they are trying to use me like this and I wish them to answer to their reasoning of charging such an insane interest to people who desperately need the money in order to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After making an electronic payment on my credit card which placed a positive balance in my favor on the card of {$140.00}, Wells Fargo informed me that while the payment for the card had been credited to my statement that the funds would be held for 15 days and my credit line would be unavailable until after the 15 day period. The {$140.00} balance in my favor would also be unavailable. The withholding of this portion of the payment is nonsensical to me considering the payment was an electronic payment.

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 2015-06-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been paying my Dillard 's credit card online with my same bank routing number and account number I had inputted into the online pay system and saved in the online pay system since XX/XX/2014. The servicing on the credit card changed from XXXX XXXX to Wells Fargo sometime in XXXX 2014. The online pay system information was still the same and my access username and password was still the same. I did n't change any information I had inputted into the system. 

I never had issues with XXXX XXXX when they were servicing the card, but when it transferred over to Wells Fargo, Wells Fargo did not notify me that my payments were not going through and being applied properly. I kept trying to pay online and I would see the money ( payment ) as pending in my checking account, but then disappear and not be deducted after a XXXX of days. Wells Fargo was not taking the money out of my checking account even though my bank routing # and account # information was the same. 

I did not notice this until I got a letter months later saying my account was closed for being in serious delinquency and when I purchased my new car in XX/XX/XXXX, the dealer pulled up my credit score and I had no idea why it was low. It was n't until I checked and it was due to this affecting my credit rating as well. I have attached XX/XX/XXXX XX/XX/2014 's statements so that you can see how they were not applying my payments and did not notify me of this at all. I am still paying my credit card because I do not want this to continue affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I contact Navy Federal Credit Union not being able to complete or add a biller for payment. The Customer Respresentative told me that only way me to add new biller I must have desk top computer. I explain to the Customer Representative that I do not have desktop and I only could access my account via IPAD and IPhone. Why is that account access does allow you access you account and setup bill payment on other device then desktop. Because I 'm unable to pay my bills this process should available thru various tech equipment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing the Wells Fargo Dealer Services account that is on my credit report with you. It is the only Wells Fargo Dealer Services account listed. 

I settled this debt with Wells Fargo Dealer Services in XX/XX/XXXX. This completely resolved the debt that I owed. I also do n't know why this is showing up as being late in the months after XX/XX/XXXX. If I do n't owe anything, how can you and Wells Fargo Dealer Services say that I am late? That 's impossible and does n't make any sense. 

But regardless of the reason, please delete the balance owed and make it show that I owe XXXX and delete the history after XX/XX/XXXX in which I paid this account off. Please make sure this is corrected and stays corrected. If you ca n't get a straight answer out of Wells Fargo Dealer Services then just delete the account. I do not want false information on my credit reports. 

I 'm enclosing a letter from Wells Fargo Dealer Services acknowledging receipt of my settlement payment and that the account is settled and I do not owe any more money. 

If you or Wells Fargo Dealer Services ( who I 'm copying with this letter ) decide you want to keep this account on my credit reports, please explain to me in writing why you are doing this. Explain why you are keeping this. To all of you -- show me the documentation that explains how I can possibly owe money when I have settled the account. I 'll be shocked and disappointed if you keep false information on my account and do n't even make an effort and explaining why you are doing this to me. 

But I 'm confident and hope that you will remove this false information from my credit reports. I 'm trying to make it easy for you to get in touch with me as I must have this false information removed from my credit reports. 

Thank you for correcting this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
I was charged a late fee with Target for not paying my payment on time. It was due the XXXX and I paid on the XXXX but it was after XXXX. I was not aware there was a cut off time. I called in reference to my bill because of this. I had a due amount of my regular monthly payment and the {$27.00} dollar late fee. The customer service person said sincnce I had a good record with them and was not aware she would credit back the {$27.00}. I assumed then since she took off the {$27.00} I know longer owed it and paid my regular payment. Then my next statement said I did not pay all due and charged me another {$27.00} and a {$38.00} fee. I called about this and he said even though they took away the {$27.00} dollars I still had to pay it. I did not understand and asked to dispute it as now they say I owe next payment {$110.00} dollars. They said I could not dispute this. I was very upset and became emotional and cried. He then set me up on a plan so that instead of owing my next payment {$110.00} it would be {$83.00}. I was crying as I was so upset. I told him they were XXXX over the customer and that who would not think if the late fee was credited why would a person still have to pay it. Then they really did not credit it. I still do not understand this entire handling of my account. Can you assist. Do I have any recourse?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been getting emails and collections letters telling me to pay money from banks of Wells Fargo, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and they asked me not to send any money orders or checks, only said they would accept Cash Only in the mail.Someone stole my identity and opened up bank accounts in my name and then they overdrawn the accounts in excess amounts of money.These banking institutions would not send me any proof that I owe this money and my signature was forged on all these fraudulent bank accounts.I have been giving money to these institutions and collections threatening me with jail time and not sending me proof that I opened these accounts.I have been giving away large amounts of money.

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 2016-11-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I opened a Small Business Account in the name of XXXX 50 Year Reunion. The documents I signed, indicated that I would be receiving a debit card tied directly to the checking account that was opened. Within a week, I also received a Wells Fargo Visa Credit Card with a limit of {$20000.00}. I DID NOT APPLY FOR THIS VISA CREDIT CARD. Our family has been valued customers with Wells Fargo since XXXX. My wife and daughters all have their financial dealings with Wells Fargo. Their entire information has now had the potential of being hacked

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