vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alpha Recovery Corp
State: LA

Complaint narrative:
Insurance company paid the contractual amount. They later sent them a statement telling them the amount was paid and that I owed a XXXX balance. I have a copy of this letter ( sent by XXXX XXXX ) complete with the electronic transfer amount, numbers, etc. Now I am being hounded by debt collectors.

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 2016-04-19 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: TX

Complaint narrative:
My business landline rang but no one was on the line from a number listed in California. I called it back but it rang to a recoeding that someone was trying to contact me. I then received a call on my business cell phone and it was ERC trying to confirm my address I immediately told them they were not to contact me at work and that I was a victim of identity theft multiple times. This afternoon I received more of these harrassing calls where no one was on the line and when I called it back turned out to be ERC.

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 2016-05-27 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
Borrowed {$800.00} from Red Rock Lending, the XXXX was not disclosed and it was 849.0116 %! I had scheduled automatic drafts to come out of my bank account in the amount of XXXX. And after the last draft came out to cover my loan amount, they continued to draft and I have to stop payment on them. This was last year. I have now been harassed by some company called XXXX XXXX saying that I owe XXXX. They are calling my job and people I know. I have no idea how they got their numbers either. They call me 5 times a day. I have never received any formal letter saying about owing money either from either company. The way the company was talking to me was like a scam and when I asked for formal documentation they started to get defensive and said " guess we will continue to call you everyday '' and " good luck ''. I do not find this to be the typical behavior of a credited company. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC
State: LA

Complaint narrative:
It took out the money from my account early. And tried to take more money out on the due date. I took out a XXXX dollar loan and they want me to pay over a XXXX dollars. Then they have the nerve to call everyone that have come in contact with saying threatening message. They are scams!! I had to close my account because they kept trying to get money and I owed the back for overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 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: WI

Complaint narrative:
I have a relatively new phone number. The company cross-referenced my number to an old XXXX debt that is not mine. 
I have explained to the caller, twice, that this is not my debt and that they have the wrong person. Once I gave them that information I stopped communicating with them. They call everyday and leave a message that I owe money to them that I used to owe to XXXX. That they have been authorized by XXXX to collect and that I need to call them back and pay up. 
The name of the company is : Enhanced Recovery Systems,XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXXIf you do an internet search of this company you will find dozens of complaints against their tactics.

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 2015-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Overdraft Charge on Electronic Payment. 
I Did Not opt IN for ATM, debit card or electronic payment overdraft. 
So my expectation is that the bank will NOT attempt to make a payment if I do not have funds on my accounts. 

Citizens Bank is charging me {$35.00} overdraft fee on electronic payments I programmed in its electronic payment online banking. Note that the bank CANCELED the payment and will charge me an overdraft for a payment that it will NOT perform. 

The overdraft fee is called, a return fee. The explanation is that Citizens bank needs to reimburse, Citizens Service provider that tries to make the payment when there is no funds available. 

My Rationale : I understand that my OverDraft Opt out rights are being twisted. 
If the account does not have funds and Citizens Bank knows about it, Citizens should NOT perform the payment ( as actually it did NOT ) and NO Fee should be imposed. 
Citizens Bank twisted this logic, by NOT performing the payment and calling the the fee ( {$35.00} ) a return fee. 

Talking to the bank representative, the payment will be resubmitted automatically and if there are still lack of funds another fee will be imposed. 

This behavior seems to twist the opt-out rights afforded by legislation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
I took out a loan of {$800.00} with the Big picture loan people and was not made aware that the interest was to be 774.350 % .. At this time, I 've made XXXX payments of {$280.00}. At this rate, the payments I would need to make would result in a total of {$6800.00} for an {$800.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: SC

Complaint narrative:
I apply for XXXX loan from Cassle Payday I was informed that there would be a XXXX finance charge. Paid off the three in monthly payment. After I made two then I was told that my total payments over XXXX. 
I told I had agreed to a total of XXXXnot XXXX I would have never agreed to anything like that. 
Two I receive a call some saying that Cassel Payday have change their name XXXX XXXX Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Big Picture Loans, LLC
State: TN

Complaint narrative:
I had to close my bank account due to fraud commited. I contacted the payday loan company to advise them of my situation and to offer a settlement to close my account. I have attached the supporting email. I have never been contacted back by this company. I received a phone call today from a collections agency, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, New York XXXX Tel : XXXX XXXXXXXXXXXX stating they are going to serve me papers on XXXX/XXXX/2015. I attempted to contact the XXXX company with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 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: OH

Complaint narrative:
Account was not mine, It belonged to a spouse. ERC has never attempted to contact me in regards to this assumed debt. I have not be notified via any channel. Mail, phone or electronically. When I call them they are extremely rude and unwilling to work out a solution or have a civil conversation. Very one sided. 

The first delinquency of payment was XXXX XXXX statute of limitations is six years, leaving one remaining. I am appalled that such debt be left unannounced in attempt to collect from this company. In an attempt to refinance this has left a negative impact on my credit report. 

This company should not be allowed to continue collections unless a full scale investigation proves their ability to follow and maintain Federal guidelines. Along side professional courtesy.

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 2016-08-31 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AmerAssist A/R Solutions, Inc.
State: NC

Complaint narrative:
Continuously contacting me at my place of employment. Harrassing calls all day. Company - AmerAssist Turnaround Management

Company response to consumer: Closed
Consumer complaint received 2016-03-16 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
A CD account was opened with XXXX bank in 1996. This bank was subsequently acquired by XXXX XXXX and then Wells Fargo. I am trying to recover these assets but Wells Fargo claims to not have the account or proceeds. I have also checked with the state of Missouri unclaimed accounts division but they have no assets for these account holders.

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 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo Auto recovery has re-aged an account on my credit report, provided inaccurate information, and not provided proper methods for me to contact and dispute the accuracy. According the the FCRA and FDCPA reporting should be accurate and reported within the statue of limitations. I have provided a letter details the issues, copies of XXXX credit reports with incorrect information as well as a full payment history provided by one of the representatives of Wells Fargo.

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 2015-11-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Dealer Services has consistently denied me opportunities to bring my account current and avoid delinquent charges, harassing phone calls and damage to my credit bureau reports. 

On several occasions collections and customer service representatives refused to accept reasonable payment offers while demanding payment in full ( several payments + past due charges ). These seemingly institutional denials have caused unnecessarily accruing past due fees and delinquency reporting. 

I called tonight ( XXXX/XXXX/15 ) to apply for a deferment, which I was denied several times prior because my account was greater than 45 days past due. After describing my situation for several minutes with my customer service representative, XXXX [ not sure of spelling ], she advised me that she would have a supervisor review my account. She returned from an extensive hold to notify me that the supervisor denied my claim because I was only 30 days past due and have greater than 50-months remaining on my loan. I asked if there was formal guidance for her decision, which seemed arbitrary. She transferred me to the collections department. 

I described my situation again to XXXX in collections, who advised me that she did not think I qualified for a deferment and transferred me to my account manager, XXXX XXXX whom I have spoken to several times prior. On other occasions XXXX misrepresented himself as a supervisor ( admitting that he was only second voicing a call ), each time he has shown an unwillingness to consider a payment arrangement. Instead he demanded payment in full by end-of-month, most likely to benefit his bonus while sacrificing my further delinquency. Tonight XXXX sounded almost intoxicated while explaining arbitrary reasoning for not considering my request for a deferment. I insisted on speaking to a supervisor and was transferred to XXXX. 

XXXX answered the phone with an abrupt, harsh tone and eventually attempted to justify the reason for the customer service supervisor 's denial. I explained my short-term hardship, which included medical expenses from my wife 's recent XXXX. XXXX responded with the most disturbing statement imaginable, stating that a death would be considered a short-term recoverable situation but not my wife 's XXXX and subsequent periods of unemployment. I nearly choked when I basically heard her say that if my wife had died they might consider a deferment!!! Please listen to tonight 's recorded XXXX minute call beginning at XXXX EST.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer since XX/XX/XXXX. On XX/XX/XXXX, I had misplaced my wallet and was in need of cash. I went to Wells Fargo bank @ XXXX., XXXX, CA,XXXX to withdrawal {$40.00} out of my account and before I got into line I spoke to one of the customer service reps standing in front of the line and explained my situation. The rep proceeded to tell me without my ID they would not allow me access to my acct. I explained that I misplaced my wallet and did not have my ID and the rep again told me there was nothing they could do. 

As an individual who has worked in the financial services industry for over 20 years I am fully aware of how to verify a customer 's identity without an ID. I then called the XXXX customer service number and informed them of my situation the rep stated without an ID, I could not access my funds and then told me to " borrow money from someone ''. I demanded to speak to a manager and was transferred to a " XXXX '' who refused to help me and transferred me to another dept. and after being placed on hold for over 30 min, I spoke to some individual by the name of " XXXX ''. This person refused to help me and would NOT escalate my complaint or issue any further. When I told XXXX that there are a number of ways to verify my identity, such as : signature card, last four of SSN, security questions, transaction history, mother 's maiden name, DOB, address ... .etc., XXXX refused to admit that those were valid forms of ID. When I asked her " if that was the case, what 's the point of having a Sig. Card, security questions, or tokens?? '' she refused to answer and then hung up on me. 

I HAVE BEEN DENIED ACCESS TO MY FUNDS AND WELLS FARGO REFUSES TO HELP ME. 

Also, when I go to branches to make withdrawals, I AM NEVER ASKED FOR ID other than my PIN.

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 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I initiated a loan modification XX/XX/XXXX. The process took over nine months to complete. The lender agent advised me that no payment was due during the process and never sent delinquent notices to collect the monthly payments. Upon reviewing my credit report, I discovered that the lender reported my account delinquent for the duration of the review process. After being a customer at Wells Fargo for over 10 years, I would think that they would not compromise my credit rating ; however that is not the case and now I am suffering a lower credit rating due to it.

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 2016-12-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Many years ago i was going through a divorce and re financed my condo to pay lawyers and pay off a car that belonged to my ex wife but the loan was in my name. i ahd refinanced with a 3 yr ARM, my credit was n't the greatest after 3 years and i could not re finance. I was introduced to someone through a family friend that had offered to help me modify my mortgage. i paid him over {$7000.00} and he pretty much disappeared and i was left with a huge mess. I was finally after about 5 years able to modify the note buit what happened was i was given a new principal note and all the missed payments and fees were tacked on to a second loan that is due when the first note is paid off.. the balance of the second note is about XXXX this amount is not collecting any interest, but i feel that this practice is not right. at the end of the day yes i am able to pay my monthly bill but i am still under water and will never be able to get out from under. I was never told during the modification process that this would be the end result, had i known I probably would have just walked away and figured things out as i went. Is there anything that can be done? is this practice even legal? I have contacted the AGO and they put me in contact with someone from wells fargo who is supposed to get back to me after the new year but i have no hope. I feel like i was mislead and lied to. I am not looking for a free ride or to have something handed to me for nothing, but these banks were given billions of dollars from tax payer money when they mishandled their business practice and gave out loans to people who clearly could not afford them. Is there anything that i can do? i would appreciate any help or ideas. 
thank you

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 2015-07-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I recently received a letter from Wells Fargo dated XXXX XXXX stating that my account was past due and that my account was being shut down and I need to send them money immediately. I have not used this card in over a year and have not received a bill in that time. This is the first that I heard of a balance or that a payment was past due. 

They certainly have my contact and mailing information, since I receive advertising and other offers from Wells Fargo frequently to entice me to use the card again. At any time they could have sent me a bill, but instead have only contacted me when this balance I was not even aware of is past due. 

Earlier that week I contacted Wells Fargo about a fraud alert email because of an address change I did not make. It was a false alarm ( simply an update from the post office ) but no mention was made of this overdue bill at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo back dated letter regarding proof of insurance. Letter dated and sent XXXX XXXX ( not received till a week later thru regular mail ), stated to provide proof of insurance before XXXX XXXX or would be force placed and was in fact already force placed prior to any notification ( I had provided all info the day after car was purchased, never notified they needed something else ). Not only was this provided a month before to the dealer, there was no way to comply with their notification AFTER the due date. This was then provided. This has since been provided to them XXXX times which they refuse to confirm receipt of. This was sent by myself XXXX times ( XXXX to dealer, XXXX faxed to thier insurance directly ) ..Three times by my agent directly. Another time from the insurance customer center XXXX # directly to Wells Fargo auto ... ..Then my agent even called and verbally gave the information twice more ... ... .still they claim is outstanding. Insurance dept routes me to customer service who routes me back to insurance ... .so on and so on. They keep charging more and more fees and have reported me late to the credit agencies which is detrimental to my credit rating, even though I have been calling and they know of the disupute and discrepency on their end. Also my actual payment has been auto deducted each month on time, so I have not paid anything late. Each time I get routed to someone else who give me different information, then never appears to notate my account since next time I call is like the first time. This is obviously a scam for additional fees and high insurance that is in cohersion with the auto dealer/lender. They have all my contact info yet claim they are not allowed to leave me a voicemail so that I know they are trying to reach me. Agents are rude and actually lied to me regarding my rights. They claimed that they can not file a complaint & have nothing to do with credit agencies to correct information and until I pay them, customer service will continue to pass me off to collections which will # XXXX not resolve the insurance matter nor address the erronous issues with my credit nor revese fees ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
First, a Wells fargo rep gave me an incorrect amount to bring my account up to date. I was {$6.00} short, so they put my acct as delinquent. The second time, I called to verify a payment and I was told that it was processed. Then I get a call saying my account is 90 days past due. I pay late fee after late fee, but the bank does not want to take accountability for their mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation