vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was contacted by National Credit Systems about a debt that was owed from an apartment I lived at close to a year ago. They stated there were damages that would need to be paid for. I agreed to pay for part of the damages, but they mentioned the microwave was broken, which would not have involved me since I never used to the microwave out of my time of over a year of living at the apartment. I filed a dispute with them and followed up later. They stated that the apartment has not responded and would have two weeks to respond to the dispute or they would drop the microwave case and I would just owe the rest of the debt. I called two weeks later and the woman handling my case stated that since I never submitted proof that I was not the cause of that particular damage I would still have to pay. When I brought up that I had been told previously that the debt would be dropped in two weeks if they did not hear from the apartment they said that was not the case and there is no time limit for the apartment complex to respond to a dispute. This makes no sense as then every dispute ever made could be won by not responding. When I asked her directly about what she had told me the week before she did not answer and transferred me to her supervisor. The supervisor would interrupt me mid question and not let me get a word in. I was not able to ask any of the questions I had for him regarding my case as he would just interrupt me. I also wanted to ask him if I would be able to get an extension on my time to prove that I did not break the microwave since I was not looking for any previous evidence because I was told that I did not need to as the case would be dropped if the apartment did not respond. The woman handling my cases ' name was either Heal or Heel and her supervisor was XXXX XXXX. Eventually XXXX became angry and hung up the phone on me. I recorded the most recent phone call if the evidence is required of me. It was disappointing to not get any answers to my questions and to be talked down to and responded to so aggressively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AVANTE
State: WV

Complaint narrative:
AVANTE USA has issue a hard credit on my XXXX Report that is not my Accounts, Supposedly from XXXX XXXX XXXX, I Filed Bankruptcy in XXXX, and they recently did this i have not been in that place in 10yrs, and what was on my report, i payed everything off, They have me mixed up with someone else! That said in was in XXXX XXXX! NO WAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
i was charged for a apartment debt, while i was XXXX in XXXX with the XXXX, i was protected by the military clause and they wo n't remove the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 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: National Credit Systems,Inc.
State: VA

Complaint narrative:
The debt is from a lease. I was constructively evicted from the apartment due to XXXX. I had to go to the hospital with smoke XXXX. I left the apartment at the end of XX/XX/XXXX and had paid through the end of XX/XX/XXXX. The debt is for partial rent in XX/XX/XXXX I disputed this debt with the landlord XXXX explaining that I had been constructively evicted. XXXX never sought a judgment against me. They ceased trying to collect the debt in XX/XX/XXXX National Credit Systems XXXX Inc. contacted me on XX/XX/XXXX, by phone claiming that I owed this debt and threatening to report it to the credit agencies if I did not pay. I told them that I do not owe this debt because I was constructively evicted from my apartment. On XX/XX/XXXX I received a letter from National Credit Systems XXXX Inc. dated XX/XX/XXXX claiming that I owe this debt and stating that unless I notify their office within 30 days, they will assume that the debt is valid. On XX/XX/XXXX, I wrote them a letter stating that I did not owe this debt because I had been constructively evicted from my apartment due to XXXX. According to XXXX tracking they received this letter on XX/XX/XXXX. On XX/XX/XXXX at XXXX a.m. XXXX, National Credit Systems XXXX Inc. called me from XXXX. They again claimed that I owed the debt and threatened to contact the credit agencies if I did not pay. I told them that I had sent them a letter explaining that I do not owe this debt. He claimed that I had not sent them a letter. I told them that I had proof that they had received the letter and then he admitted that he had the letter. He told me that they would verify the debt and then report me to the credit agencies. He recorded the call, but only part of the call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX, I applied for a mortgage loan for a property that cost {$220000.00}. I received the terms for the mortgage. I had money for the down payment and closing cost. About a week or two before closing I received a letter in the mail stating that there was a XXXX mortgage in the amount of {$33000.00} and that the mortgage had a balloon payment that would be due in 10 years. I felt uneasy and should have pulled out of the whole deal, but was told that was the only way they could finance the loan. I went ahead with the closing and moved in. Several times during the past ten years, I have tried to refinance, modify, and short sale the property. Each time being put through months of paperwork, just to be told no. Fast forward to XX/XX/XXXX, the balloon payment is due. I owe about {$30000.00} on a loan that was originally {$33000.00}. My monthly payments were {$260.00}. I paid that amount on time for 114 months. That means that I have already paid Wells Fargo {$29000.00}! However, I still owe them a lump sum of around {$30000.00}. Wells Fargo will make about {$60000.00} on a {$33000.00} which is almost a 50 % interest rate. Basically, for every dollar I was lent, they are getting back XXXX. How can this be legal? On top of that, my first mortgage was interest only, so I have made little progress in paying that down.

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 2016-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo charged my a penalty fee for a failed payment transaction FROM THE SAME BANK! XXXX {$50.00} fees were applied after I tried to set up their automatic payment system that had no indication of whether the " automatic '' part would start this month or the next month. Since it started the first month, when I went to pay the mortgage the payment had already been started by their automated system, and the transfer failed from lack of funds. It was their own poorly designed software that caused me to not know when my payment would go through and caused the payment to fail from lack of funds. I have never missed a mortgage payment in my life but I still have {$100.00} in fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
on the XXXX of XXXX XXXX I tried to make a mobile check deposit with XXXX in the of XXXX dl their mobile deposit kept giving me an error, so I believed the check did not get deposited I than did a mobile check deposit with the same check with Wells Fargo. Than I get and email from XXXX saying that the check had been deposited. I than contacted XXXX banks and notified them of my mistake. They rest asured me that it would get cashed by XXXX of the banks and bounce on the other. The checks bounced with XXXX banks. I than called Wells Fargo and they said since XXXX checks bounced via mobile deposit, that I should take the physical check into a Wells Fargo Branch and re attempted to deposit the check in person on the XXXX of XXXX than on the XXXX of XXXX the check bounced. I also got charged to my account the same check amount, the account acted like I owed for a check never deposited into my account. I filed claims with Wells Fargo the brought my balance back to where it should be and took away all the overdraft fees. At this point I contact the issuer of the check XXXX XXXX they also bank with Wells Fargo, they see the funds left their account on the XXXX of XXXX but never returning. I call and spend numerous hours with Wells Fargo Customer support nothing is getting resolved. I finally went back to my local branch and have been working with Wells Fargo Banker XXXX XXXX XXXX XXXX XXXX XXXX. I met with him beginning of XXXX I brough all my paper work letters I received from Wells Fargo and XXXX. He than sees that I still have the refer to maker check rest assures that check is still good for deposit so I did on the XXXX of XXXX XXXX on the XXXX of XXXX the check also bounces. At this point he tells he is sure its XXXX fault that they still have the funds. XXXX does not Wells Fargo also the says they do not the issuer of the Check says the funds left her account. Nothing is getting resolved I feel very powerless and out the XXXX I worked so hard for. Please help me find where the money is stuck. Thank you kindly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had money debited out of my wells fargo account in XXXX 2015. {$1300.00} and some change I contacted Wells Fargo to stop the transaction and dispute it. I was later told they could not tell whether I gave my card away to someone to use it so they denied my claim. None uses my account. I lived alone then. No one had access to my card.The rep told me maybe I made a purchase in the store. I told the rep I was at work and the proximity of my job and where the transaction was done was not anywhere near close to each other. I have attached a copy of my time sheet which i have faxed over to wells fargo and received nothing back from with regards to receiving it or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo kept taking my direct deposit for fees they say I owed causing my account to always be - {$880.00} then when I had my direct deposit transferred elsewhere they closed the account and put me on XXXX for {$1000.00}, now I cant get a checking account anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have several loans with Wells Fargo. When I set up paying about XXXX years ago they arranged it to be made under 1 payment. For the first several months payment was not dispersed by them to all loans. They the claimed I failed to make all payments and listed about XXXX accounts a month delinquent for XXXX months. I was in conversation with them about this the entire time. This lowered my credit score. They refused to reverse the delinquent reports even though it was they who did not distribute payment made. Additionally they refuse to refinance a consigned student loan less than XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealer Services is giving false credit information about me to the credit reporting companies, XXXX, XXXX, and XXXX in flagrant violation of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
This account was paid in full since XXXX 2015. They have yet to update it as paid in full and closed to the credit bureaus. The late payments are also incorrect. I have been on time with payments since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My company offers an XXXX through Wells Fargo Bank. During Spring 2016 I had a medical bill I needed to pay and went to transfer some of my XXXX money to my XXXX checking account. At that time, I was told I could only transfer my XXXX money to a Wells Fargo account and thus had to open a checking account with them and had to buy checks. The checking account requires a {$1500.00} daily balance to avoid fees. I 've asked the XXXX team why I ca n't transfer to my other account and have been told it 's " because our system does n't allow for that. '' I do n't need to have a Wells Fargo checking account, as I have one I use on a regular basis already. I 've asked the retail banking team to have the monthly fees waived and they 've said no because I did n't maintain the daily balance. So now I have had to tie up {$1500.00} in a checking account I do n't want or really need, money that I 've put aside for medical bills due to XXXX and XXXX. I feel they 're keeping my money hostage and no one is taking responsibility for addressing an issue that does n't sound fair. Can you 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 2016-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Bought a vehicle and financed through Navy Federal Credit Union. Once I paid off the loan and attempted to remove the lien from my title, I found out that the lien was given to a third party by Navy fed. I have tried to contact the 3rd party but no reply. The XXXX will not remove the lien from my title until he releases it despite Navy Fed acknowledging their wrongdoing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: J.S Resolution Group, Inc.
State: GA

Complaint narrative:
A company by the name of JS Resolution called and stated the need a letter from my attorney. He did not state what this was about, but he did state that actions will be taken without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have owned a property in NC for over 10 years. When I purchased it needed extensive renovation. I did an interest only loan to preserve ma/ny for the repairs. This was XXXX. My husband and I also purchased a business during this time. From XXXX to XXXX we lost money at the business. I did a modification with Wells in XXXX. Since then we have lost the business and had to file a Chapter XXXX for protection against business debts, not personal. I have asked for help from Wells as we have paid 6.625 % for 10 years and have not gained any equity. They sent me an appraisal in XXXX showing the value as XXXX. When I contacted them about getting turned down for a loan modification or principle reduction I was told that I should look into a short sale. Why should I sell my home for XXXX where we all lose? I have told them that we want to keep and pay on/off our loan. I have worked in the XXXX for 20+ and can not understand how a consumer could navigate this process. I finally gave up and now my payment has adjusted up another {$500.00} per month.

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 2016-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
My loan switched to Dovenmuehle on XXXX XXXX, 2016, loan number XXXX. I set up my on line account. On XXXX XXXX at around XXXX XXXX XXXX, I tried to login but could n't. I first pressed " forgot user name '' and got my user name 'mlestina ' by email. I then pressed the " forgot password '' button, answered a lot of security information, but never received a link as promised. I was left to keep trying different passwords until I was locked out. I tried calling in to correct this at XXXX but was on hold for over 30 minutes and gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
Discover Card will not close my zero balance accounts. 
Als I am receiving credit card offers at my house, sent to my XXXX XXXX XXXX son. 
I have called many times to stop the mailings but to no fix. 
I even moved, ( my son does n't live with me he is in the armed forces 13 years now ) They followed to my new address when I did. Change of address, just in my name. 
Called son and he says he is also having exact same XXXX. Problems They wo n't close accounts and constantly send credit card offers which he does no want. 
The time period of this is over the last 13 years. I declared bankruptcy during that time and they still send offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NH

Complaint narrative:
I have been a Discover credit card holder since 2007. During my entire membership with Discover, I was never late with payments, and always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

About a month ago, without any notice in advance, Discover closed my account and thereby wiped out my existing cashback rewards of {$300.00}. I contacted the company and demanded for an explanation. However, the only reason I got is " we are no longer able to meet your servicing needs '', and I was told the rewards will be mailed to me in a check. Now, after 6 weeks, I still have n't received any check from Discover regarding my rewards. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
My loan was sold/transferred to a different servicer and now every year there is a increasing amount of shortage in my escrow. For the pas 2 years it was short {$1700.00} plus the first year and now they are telling my it 's short {$2600.00}. I every month, i have inquired several times about tis and have been brushed off, hung up on, and told that they could not provide the information I am requestion. My principal is only gettitng {$94.00} dollars paid towards it and almost {$400.00} toward interest. How is thios possible, when will i every pay off this note?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX and recently I received a large envelope from DISCOVER with a card inside saying " PROOF '' and inviting me to apply for a personal loan " Because of my Excellent Credit record '' ( see attached copy ) but when I applied on the internet, I received a deny note! 
This is wrong to try to get all my personal info by pretending that they know about my credit history and convince me that I will get the loan if I apply and then they deny me. 
This also could damage my credit score. and I do n't appreciate that either.

Company response to consumer: Closed with explanation