vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-13 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: Peter Roberts & Associates, Inc.
State: NH

Complaint narrative:
Medical services were provided in XXXX 2015. Those services were put on a payment arrangement. I did not know that the 3rd party vendor was not a part of those payment arrangements, so it went to collections. The clinic forwarded the wrong mailing address to the 3rd party, so no bills were ever received by me. 

The collections agency called me XX/XX/XXXX ( used my maiden name ), then called XX/XX/XXXX ( by my married name ). We determined that I had never received any bills from their client or from them. I requested official copies of the bills, and was told I would not be reported to collections during the process, however they reported me in XX/XX/XXXX. I did not get anything in writing from the collections agency until I called again in XX/XX/XXXX. Finally in XX/XX/XXXX I was sent the copies of the bills, which was the first time I had received any formal written documentation from the collections agency regarding the debt. I was unable to obtain bills for the services from the client they represent because it was sent to collections. 

XX/XX/XXXX I paid the bill, and they insisted they had not reported me to the credit agencies. At that time they stated they would expunge the debt, which still has not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a bank account with Wells Fargo, was told I was approved, ordered checks, was given a temporary debit card, deposited money into a checking and savings account. Then received letter in the mail stating my accounts were being closed and they would return my money. I lost my job and faced financial hardship years ago during the recession, I owed Wells Fargo money which I have since paid off and worked hard to re-establish my credit. I went to Wells Fargo for their second chance banking account, believing they wanted to give people a second chance. When I applied I was told I qualify for a normal checking account so I got that instead. Only to be told later they do not want my business for a mistake I made years ago and am trying to make amends for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have being discriminate cause of my not knowing to much on identity fraud so when i report it stolen no one care to help me. I have being acuse for things i didnt do an was denied of my benefits. I will like an investigation on all my financial an all records from all banks an have my righst givin back as well my morals an my integrity. Or i will star filling a federal courf law investigation

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 2016-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX grandmother who has an account with Wellsfargo bank. My grandson help me open my account so i could pay some small bills. This account had some terms that required me to have the minimum requirements to avoid any fees for the account. XXXX is to have a minimum balance of {$1500.00}, or have a direct deposit of {$500.00}, or have XXXX transactions per month on my account to avoid any fees for this account. I do n't have direct deposit nor do i have {$1500.00} on my account, so i relay on spending XXXX transactions on my account with my debit card. This past month i was charged with a {$10.00} fee due to having XXXX transactions instead of XXXX. However, when i called they mention my account statement cycle changes every month and that I did n't meet the minimum requires for this month since XXXX has 31 days. When we open the account they mention i only needed to have XXXX transactions within one calendar month. This sounds like a unfair practice as every month changes days. It also sounds like an abusive practice since i am on limited income and they want to take {$10.00} from my account. It also sounds like a abusive practice and they do n't want to refund this fee. I need some assistance with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Me and my husband had this Wells Fargo credit card in 2002. Myhusband made his payments on the card until he loss his job. Theyoffered us an settlement offer of 4 payments. I made all of mypayments on time. The very last payment I made was on time, butthey did n't process it until the next day. So the customer servicerep. to me I was late on my payment, so they was n't going to honorthe offer. I told them I made my payment on time. He said, '' Well we did n't get it on time, so your late and the payment offeris no longer good. '' I also tried to get the information from my bankto use but it has been more than 7 years the bank do n't have theinformation. I do n't owe them anything at all. I made my payments asagreed and they did n't keep there arrangement. The balance is XXXX. 
They put it on my credit as if I never made a payment and so forth. 
Now they have XXXX XXXX XXXX reporting there information. Thisdebt is more than 13 years old. They still manage to sell info to XXXXto resubmit it on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
Wells Fargo dealer services is reporting a 60 day late on all credit reports. I was told by XXXX in their collections department that if I paid a set amount they would move my XX/XX/XXXX payment to the end of my loan and I would not receive a late mark on my credit. Wells Fargo did not follow through and I now have a 60 Day late mark, even though I completed everything that was asked of me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo charged a credit fee of XXXX on a balance of XXXX

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 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did enter in a Vehicle loan by a vendor which used tactics which make the whole process a nightmare. Over time, I did have to contact the bank ( XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX ) to renegotiate the loan due to financial hardship issues in my family. 

Per some unknown reason, the bank keep denying the process without any reason. 
When I contacted them ( several times ) l the bank asked me to find a " loan assistance specialist '' from the closest branch office. 

When I went there and explain the issue to this " specialist '', the only thing he did was pickup the phone and dial the same phone number which I did previously contacted. 

This time, they defer one single payment to 30 days more and they asked me to request " refinance '' via an on-line process. This last was denied without clear reason and I still asking them for help which they keep denying. 

Is there any way to get any help from this bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have received a wire transfer and unclear why the bank reserves 1 ) 5 days to give access to funds even though the money is available within hours as the transmitting bank has confirmed the direct receipt 2 ) Unable to confirm receipt of funds at all for the 5 day period, even though the transmitting bank is able to confirm it was sent 3 ) Can then also justify a {$25.00} fee which they are unable to substantiate the precise " cost '' to them and when they are able to make money off the funds for 5 days alone and demonstrate no actual " cost ''

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 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have submitted XXXX packets of information to Wells Fargo to help gain a loan modification back in XXXX XXXX.I have been working with XXXX XXXX XXXX and this was to be a two week process and it is now 5 months. Wells has continually asked for the same information XXXX times and there has never been a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Home Mortgage ( lender ) is currently processing my VA Mortgage Loan to purchase a home. The lender approved our loan and we received our lender commitment letter XXXX XXXX 2015 for the amount of {$170000.00}. We found a property we wanted to purchase with an original price of $ XXXX that was later appraised to $ XXXX. The lender had us ( the buyer ) pay the following fees : Title Fee ( {$1000.00} ), Inspection Fee ( {$300.00} ), Appraisal Fee ( {$440.00} ) and other processing fees. To this date we do not have our corrected GFE yet. The lender has sent us numerous rough drafts of the GFE with multiple errors and discrepancies like for example : charging the buyer costs that do not apply to VA Loans. The even tried to have the buyer pay for the Property Termite Inspection and Survey Fee which I refused to pay. I have been more than patient with the lender and right know we are very stressed and XXXX about the whole ordeal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have a private student loan with Wells Fargo with a Guarantee Amount of {$14000.00}. This loan went into repayment status in XX/XX/XXXX. My current balance is {$15000.00}. I have continued to struggle to make my monthly payment for most of this period, which is currently {$190.00}. Wells Fargo will not offer any options to lower my monthly payment without refinancing. Due to credit issues, I do not qualify for refinancing without a co-signer. I currently do n't have anyone who is willing and/or able to do so. I ca n't afford to pay my monthly balance without the help of a parent. This parent helps as much as possible and typically contributes about $ XXXX {$150.00} of the balance. I am at the mercy of this contribution, which does not always get to me before my balance is due, which results in late payment fees of {$28.00}. I have incurred XXXX late fees since XXXX, which have only added to my balance and adds to interest paid. I am sending a letter to Wells Fargo along with a repayment request worksheet, which includes my current budget/expenses. I currently earn approximately {$450.00} a month. I work less than part-time due to XXXX issues that are preventing full-time work. Please let me know if you can do anything to help. I am endlessly crushed by this burden and feel horrible that I 'm adding that burden to my parent. I can barely make ends meet. I took out this loan to help pay for tuition at a private art school. I received XXXX for a XXXX. I have no complaint toward the college, they provided an excellent education, opportunities and excellent job placement. What I do regret is not knowing that teaching was not suited for me emotionally. I struggle with XXXX. However, the cumulative stress of XXXX contributed to an XXXX. This I could not foresee and I ca n't risk my health to work toward paying a student loan. 
Heartbroken, Just Another Suffering Student Loan Regretee ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We have a home loan with Wells Fargo Home Mortgage. We are attempting to refinance our home with another company and when they ran our credit report, they found that Wells Fargo has not submitted our payment information for the last four years. When they call Wells Fargo, they admit there have been no missed or late payments but they refuse to submit the information to any bureau. This neglect has lowered our credit scores and prohibited us from getting a conventional loan. This is going to cost us thousands of dollars over the coming years.

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 2016-07-27 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I applied for a payday loan with cash central on XXXX/XXXX/2016 total amount XXXX they ran the principal & finance amount payment through on XXXX, by XXXX or XXXX, I did get have majority of the loan paid down to XXXX. The representative then called me at work when I told them specifically not to because I ca n't take personal phone calls at work. I then called them back to tell them they could use my debit card to take out the XXXX on XXXX I think, but as most things happen the card would allow it, due to other items coming through. They then called me again at work and the lady I spoke with told me that they will continue to send the payment through and this will cause an issue for me because your bank will continue to charge you fees. I told her not to do that because it 's going to cause other bills not to pay but I will get them paid. I then logged into my cash central account online on XXXX and put in for them to take out XXXX on XXXX which they did, and now the account is down to XXXX. I then logged in again and put in for them to take out another XXXX on my next pay day XXXX, and then I was going to go back in after that and have them take the remainder on my next pay day XXXX, but as of yesterday XXXX they sent XXXX through ( which is half of the XXXX ) which caused my bank to charge me another XXXX fee and my account is continuing to be negative. I do n't know what to do. I know they are going to call me again..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I cancel a money transfer made online since XXXX/XXXX/2016 still did receive my refund back and Western Union customer are not try to solve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 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: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Cash Central cont to auto withdraw monies out of my checking acct when debt has been paid lastcontact i was told last pymt is XX/XX/2018? Ihave to pay XXXX $ for a XXXX. Loan? Pls help me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I completed a Forbearance plan, with a down payment of {$3500.00} and XXXX additional payments of {$2000.00}. However, after making all of my payments I was told the amount was n't accurate and I owed additional money. 
Each month my mortgage statements have a different amount owed. Recently I requested additional information and received written correspondence XX/XX/XXXX from XXXX XXXX, case manager customer support department of Bayview Loan Servicing. The letter stated my correct payment would be {$1600.00} rather than the {$1800.00} reflected in previous statements. However, my new statement indicates the payment amount of {$1700.00} for XX/XX/XXXX. Again differing what was listed in the written letter. 

Listed on the Customer Account Activity Statement dated XX/XX/XXXX myloan interest rate is reflected at 3.25 %. However, on all of my statements itis listed at 4.25 % which I 'm currently being charged. 

XX/XX/XXXX I received written correspondence from the Bayview LoanServicing, Insurance Department stating they had received appropriatedocumentation for my private home owners insurance. I have maintained a privateinsurance policy through my HOA and an additional policy through XXXX XXXX. 
However, I was charged {$970.00} ; XX/XX/XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXXXXXXThis amount has n't been credited to my account and I continue to be charged ahigher amount for my escrow account based on inaccurate numbers. In the AnnualEscrow Account Disclosure Statement dated XX/XX/XXXX it is reflected my escrowaccount had a shortage of {$1700.00}. I have received the current property taxbill for the XXXX tax year. The total amount due is {$2600.00}. I amcurrently being charged {$350.00} a month for escrow. As of the XXXX XXXX, XXXXmy statement reflects I 've paid {$2500.00}. 

I have tried to work with staff assigned to my account. I had a XXXX minute phoneconversation with XXXX XXXX XX/XX/XXXX. The outcome of that conversation was the letter generated by XXXX XXXX XX/XX/XXXX. I attempted to follow up with XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not one of my phone calls wasreturned. I am desperate to find someone who can assist me in resolving theabove errors and moving forward. I am concern with the lack of follow throughand do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
In XXXX, XXXX, I received a notice from Phoenix Financial Services that I had an account with XXXX XXXX XXXX of FL in collections for {$65.00}. XX/XX/XXXX, I had paid my bill to XXXX XXXX XXXX. The company subsequently refunded the payment I made, as my insurance had covered the {$65.00} bill. 

I contacted Phoenix Financial Services with the telephone number on the letter I got int he mail. I explained to them the situation. I had both receipts from the payment and the refund. I asked them if there was a way to submit this paperwork. The representative gave me an email address and reference number to send the paperwork to them. I did, and waited a number of weeks to hear back from them. I had not heard anything. I called them a second time, and they claimed that they received my documents but now they had to contact the original creditor. I thought that was reasonable. A few weeks later, I called again. They claimed that they still had not been able to contact the original company. 

A few weeks ago, I called back again. They informed me a second time that they have not been able to contact the original company. I explained that this account was negatively affecting my otherwise clean credit report. It is an inconvenience, as this situation could not be handled in any sort of swift manner. The representative assured me that since it is being disputed, it would be off my credit report. 

I called back XX/XX/XXXX, as I saw the collections was still on all three of my credit reports. The representative told me it was because they usually update once a month, and I should see that they are not there within a few days because it had not been exactly a month since they deleted the information off of my credit report. 

I checked my credit report last week, and the collections are still there. I do not believe that Phoenix Financial Services has contacted the credit bureaus or the original company on my behalf, despite claiming that they are looking into my dispute. 

I 've called Phoenix Financial Services numerous times, and they are not able to make any progress with my dispute. It does not seem like they 've made any effort to even explore the validity of my dispute. I have done everything correctly and everything that they requested for me to do on my end. However, whenever I call them, it seems to me that I get a different excuse from the representative on the line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation