vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I started a Payday loan with XXXX that was then switched to BigPictureLoans.com. The loans was initiated on XXXX XXXX, 2016 and the funds were receveid on XXXX XXXX, 2016. The loans was for {$1000.00} and I expected to pay a Finance Charge of {$350.00} which would be paid back in 3 Payments of {$350.00} and 1 payment of {$300.00}. The repayments were schduled to begin on XX/XX/2016 and continue every two weeks. When the fourth payment was pulled on XXXX XXXX for another {$350.00} and not {$300.00}, I contacted the lender who then informed me the loan was actually at an 887.9671 % APR with a total finance charge of {$8900.00}. I told them I had only agreed to a total finance charge of {$350.00}. I also let them know I had checked with the Maryland Commissioner of Financial Regulation and the Small Loan Rate Cap for MD is 2.75 % per month or 33 % per year basically making their loan illegal. I then requested the return the extra {$50.00} that was pulled on the last payment and requested they show the loan as Paid In Full. I then let them know they had 48 hours to meet my request or I would go to the Commissioner. I also let them know, no other ACH withdrawals would be allowed from the account to pay for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
I am in receipt of Schlee & Stillman LLC. letter informing me that they are handling the collection of an account with the ending reference # XXXX which is a false account. After reviewing my records, I am unable to find any documentation of any contractual relationship between Schlee & Stillman LLC., and me which makes them a person entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as a certified copy of an original contract with my signature, specifically naming Schlee & Stillman LLC., as a business entitled to enforce a commercial claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens Bank XXXX XXXX, RI sent me, by US mail, an offer to receive {$200.00} by opening an account and meeting stated requirements. The requirements were : open the account by XXXX XXXX, 2015, make a deposit each month XXXX of which would be a minimum of {$500.00} and the {$200.00} would show on the account after XXXX XXXX. I went to the Citizens Bank at XXXX XXXX XXXX, XXXX, NH on XXXX XXXX, 2015, discussed the offer with Branch Manager XXXX XXXX, opened the account, fulfilled all requirements and now have not received the money. I have talked with Supervisor XXXX XXXX and Bank Officer XXXX XXXX, Sr Advocate. She said she would see to it. The money is not in my account and she has not called me back. I have all the paperwork and pertinent notes and want Citizens to pay as promised NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
On XXXX XXXX 2015 I paid a bill of a shortage extra XXXX The mtg bill was XXXX for a long time so I always pay on time always well the next month with out realizing it the mtg bill went up to XXXX but I had paid the same. Well XXXX is what his name I think he said was calling every night screaming at me. I explain that I paid the shortage not understanding it went up XXXX XXXX. Which I did send and not without a late fee and keep in mind there was never no notice of a increase. I feel abused I have always paid on time and I do n't feel I deserved to be treated this way and I want to make a formal complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 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: TX

Complaint narrative:
On XXXX/XXXX/15 I requested validation of debt from Enhanced ; no response ; On XXXX/XXXX/15 requested account be removed due to violation of debt collection and reporting practices ; received response. They provided a statement from XXXX showing a past due balance. This does not confirm original date of delinquency, nor that I am the XXXX XXXX that had an account with XXXX. Furthermore, they state that they have informed credit bureaus of account being in dispute and put it back on the credit bureaus ; stating they have no control over how long it may take credit bureaus to update. Nonetheless, I pulled my credit report today, there is no indication of account being disputed.

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 2016-08-02 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:
In 2014 I transferred service within XXXX XXXX XXXX communications from a traditional landline/internet package to a XXXX package. I was advised by XXXX XXXX XXXX at the time that my new bill for my new package would be prorated for the number of days left in my billing cycle that I had that account and that the remaining prorated balance from my previous package would be included. I have been informed by a collections agency, ( Enhanced recovery ) that I have a balance with them for an unpaid bill from XXXX XXXX XXXX for {$61.00} for said service. When I called XXXX XXXX XXXX about this, they stated it was a final bill for a closed account. I explained that the account was not closed by me and that the service was transferred. The agent indicated that they could see I was a customer in good standing and have been since before 2014. They indicated that the balance was not transferred before the account number was changed over to the new account number for the XXXX package and that this caused the issue. They told me to call Enhanced Recovery to request the debt be removed from my credit report. They also told me that I could pay XXXX XXXX XXXX directly for the amount owed. I asked if they could provide proof that I owed them this money and they could not because it was in collections. Once I called Enhanced recovery they indicated that I could pay them for the debt but doing so would not remove the issue from my credit report. They advised that only XXXX XXXX XXXX could do that. It is not my fault that XXXX XXXX XXXX did not bill me correctly and by their own records they show that I have paid all bills fully and am in good standing. XXXX XXXX XXXX has not yet provided proof that I owe them this amount nor have the addressed that it was their billing process error that resulted in the collections action for a bill I should have and did n't ever receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-10 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: MT

Complaint narrative:
Received an alert for a new account on my XXXX credit file. Enhanced Recovery CO, LLC reported a debt in the amount of {$900.00} owed to ERCXXXX. I have n't had service from XXXX for at least 10 years, let alone any communication regarding a delinquent balance. I attempted to call Enhanced Recovery, no answer. I disputed the entry on my credit report, it was promptly updated from delinquent as of XXXX, updated to delinquent as of XXXX. I was never sent a notice of the alleged debt and, subsequently, deprived of my right ( s ) under the Fair Debt Collection Practices Act ; to dispute the debt and receive validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Unfavorable response from my Mortgage Lender ; reported late payments on my credit report while on a temporary mortgage plan for three months due to layoff from a job. I was reported late five ( 5 ) times XXXX90 days late, XXXX60 days late and XXXX30 days late. 
Wells Fargo indicated that their assistance mainly was for me to avoid foreclosure on my house. But for me was seeking temporary assistance while I was on a job search.

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 2017-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
XXXX/XXXX/17 This is a follow-up to my complaint Case number : XXXX. 
I went to my local Wells Fargo branch to make my monthly payment. The coupon states that I owe {$0.00}. Because I have been told that I ACCRUE interest to have NEGATIVE interest owing if I do not pay, I wanted to pay the interest & make a principal payment. I was unable to complete the transaction because they have no means for me to do this. In fact, although the bank official was helpful, she was unable to tell me why my last two payment, both of which I wrote ON MY CHECK AND ON MY COUPON that I was making the amount of the interest payment AND the remainder to principal, both were credited to interest. She showed me on her computer that both were credited to interest even though I called Wells Fargo and asked that the over payment go to principal and both persons I spoke to assured me that they would credit the overage to a principal payment. They simply did not do it. Now if I do not make a payment today for interest that they say I do not owe, they will say that I owe back interest. If I make a solely principal payment, they will still say that I owe back interest. Please help.

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 2016-09-29 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has, on multiple occasions, debited my business checking and business savings account {$3.00} for viewing an image of a deposited check online. This is a feature on their website that is offered without any mention of a fee being incurred when you click on the link to view the image. I can look at check images for free in my personal checking account, but not on the business account. 

This strikes me as a penny ante way for Wells Fargo to dip into their customers accounts without expressed permission, at a low enough fee that it will go unnoticed by most. But today it got worse. I found the charge for viewing a check image on my business savings account. I have n't deposited a check into my savings account in over 6 months ( I typically make all deposit into checking, then transfer funds to savings ). It 's not even a possibility that I would have viewed a check image in my savings account last month, but they withdrew a fee from it anyway. 

I think its a sad state of affairs when a bank tricks its clients into incurring fees online without any sort of warning. I find it ridiculous that I should have to comb through my statement each month to see if my own bank dinged me with a ridiculous penny ante scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I work on straight commission. At the beginning of 2015 I had several months in a row with no income, because sales were down with the economy. My loan was formerly with XXXX and they sold the loan to Wells Fargo. I asked Wells Fargo for assistance being that I was a couple of months behind on my payment and they said they could only help me if I stopped making my mortgage payment. I took their bad advice and missed another payment and after applying multiple times and being told that they never got my application, or they lost my documents, they finally told me the only thing they could give me was a repayment plan. They proceeded to raise my payment from {$1200.00} a month to over {$1600.00} a month. I asked them how this was suppose to help me and if I was having a hard time paying {$1200.00} how they could justify asking me to pay more. I asked them how this is suppose to ease my hardship. They told me I had no other choice unless I wanted to short sell the house or do a deed in lieu. I explained that I wanted to keep my house, not give it away. Reluctantly, I had to borrow money from my retirement just to make the first payment and then predictably, I could not afford any of the payments after that. I was so worried about Wells Fargo trying to foreclose that I hired a law firm to try to reason with them. I am in a real hardship. I could not have anticipated that my job would slow down so much. My mortgage is 34.51 % of my income, so I meet the federal criteria. From what I 've been told the Obama administration has said any interest rate above 6 % is considered a predatory loan. I am at a ridiculous 9 %. It was at 9.5 % when they gave me a modification 2 years ago, so the bank did not really help me last time. I am not asking for charity. I am just asking for a decent interest rate that is not double the national average and to be able to keep my home. Please investigate my file with Wells Fargo and you will see I have provided every document and meet all the Federal criteria. From what I understand Wells Fargo was fined a lot of money by the Dept of Justice already, but it must not have been enough to act as a deterrent because they are still targeting minorities like me who they believe are not educated enough to fight for their homes. Please, whoever is reading this, help me save my home. I am a good person who has just fallen on hard times. I believe this is why these programs were created, but Wells Fargo has done nothing but thwart my efforts every step of the way. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : WELLS FARGO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been diligently working on a loan modification for the last 2 years. I fell into a hardship in XXXX and was working with the bank for assistance. I hired a XXXX party to guide me through the detailed modification process. We provided all the requested documents and stayed on top of deadlines. After a year of working directly with the bank they denied the modification. I then had fallen into foreclose status which I was trying to avoid. They advised me to apply for XXXX. I have applied twice with the program, once in XXXX which was denied and again in XXXX. I was approved this last XXXX XXXX for assistance. XXXX provided the bank with the approval. I met all the requirements XXXX needed to assist me and get my loan back in good status. They bank needed to modify my loan for the assistance to be accepted. This would have brought my loan current and a lower payment so I could start back making payments. The bank refused the assistance stating that the home had too much equity and they advised me to sell and pay off the loan. I am a single mother with XXXX children that live full time with me. I was granted the house through my divorce in XXXX. I had maintained this responsibility up until XXXX when my XXXX older children became of age and my child support ended. I am XXXX and the economy hit at the same time my fund were reduced. My hardship has improved and I would be back on top with the banks approval along with the government assistance. I have a lengthy paper trail of my commitment to keep my home. I was been advised by the bank every step of the way. Every option they asked me to follow I did. I have spent a solid 2 years consumed with following their direction. I find it unfair and unethical that they will not provided the help that I have proven with documents that I qualify for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The idiots at Wells Fargo do n't know the definition of " XXXX '' and their so called " Senior Correspondence Specialist '' XXXX XXXX does not know how to address an issue that I raised in my previous complaint. Case number : XXXX All I am asking these XXXX is to send me their definition of a " XXXX '' and they seem to be not able to do that. They ask me to prove that I am a XXXX when they have no understanding of who a XXXX is. And their so called response fails to address that at all. 

I am at a loss of words as to describe the level of stupidity I have encountered. Their response to a CFPB complaint is to repeat the same old stupidity without bothering to read the complaint and try to understand the issue at hand. 

These XXXX belong in a XXXX and not in charge of a bank. I will keep raising complaints till someone with at XXXX gets to take a look at it. Please keep these complaints on their record for others to see as well. 

thanks

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 2015-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We XXXX have attempted XXXX Mortgage Modifications with Wells Fargo. We have been lied to, tricked, cheated etc ... The XXXX application was approved, our monthly payment was increased and we were promised XXXX, that 's a disgrace. XXXX Mortgage Modification attempt we were denied because we were current on our payments. As soon as we applied for this XXXX Modification Wells Fargo placed a For Sale sign in front of our home. We applied for the Modification because we were in danger of default, this is XXXX of the reasons to apply for a modification. XXXX Mortgage Modification, Wells Fargo requested document after document and then Foreclosed on us while in Modification. We saved our home with an emergency Bankruptcy which stopped the sale 5 minutes before it was to begin. The XXXX Mortgage Modification attempt we were denied, Wells Fargo added over XXXX in imaginary income. Then said we did not qualify because of our income. 1 year later Wells Fargo said that they made a mistake on our income but they never rectified it. We then sought the assistance of Keep Your Home California. They instructed us to call Wells Fargo for Modification and Principal reduction documents to fill out. The representative of Wells Fargo started yelling at me, yelling that Wells Fargo was not going to send me any such applications. Keep Your Home California instructed us that we could do this later. Wells Fargo received XXXX from Keep your Home. We understand that a Bank can charge a small fee for a Modification, but Wells Fargo paid themselves XXXX for administration fees, they stole XXXX from the Federal Government and from us, in this usual trick of theirs. Wells Fargo called the help Keep Your Home California gave us a Modification. According to Keep Your Home it was not a Modification and that now I can apply for the Principal Reduction and Modification. Wells Fargo is now in the process of selling our Loan to another Bank. They approved sending us the documents for Principal reduction and Home Modification we requested but reneged on us saying to ask for this Principal reduction and Modification from the future new Mortgage Holder. Wells Fargo has caused us to suffer a great deal with worrying, despairing, sleepless nights etc ... We are XXXX years old and Wells Fargo has not shown one iota of cooperation. If anything the total opposite. We can bear their injustice no more. One last thing, Wells Fargo forced us to pay twice for the month of XXXX, 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Calling my employer after I specifically stated never to call me at work again. Collector is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A lawyer XXXX XXXX keeps filling civil suits for a debt that was paid over ten years ago. He recently filed a civil law suit on XXXX XXXX, 2016 to harass me for 12 more years. His behavior is not reasonable and neither is the judge who issued the order. I am a student.

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 2016-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I recently applied to my mortgage lender, Wells Fargo, to have PMI removed from my monthly mortgage payment. I paid Wells Fargo {$100.00} to have a Brokers Price Opinion performed with the understanding that since I had not made any structural improvements the LTV % would need to be XXXX % of the BPO or lower. When the BPO came back, I was at XXXX % and there was no letter attached stating my options. I called WF and asked about the options. They explained the options including that if I did nothing the PMI would be removed when the LTV hit XXXX % of the BPO which would be in XX/XX/2017. A few days later I received a letter from WF with my options and the above option was not listed. I called today to get clarification and they now say that the option explained to me was not correct. I want them to live up to the option they described on the phone!!!

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