vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I visited XXXX XXXX Hospital XXXX. I have received XXXX bill for this service within the last XXXX weeks for {$2900.00}. Today ( XX/XX/XXXX ) I received a phone call from a debt collection agency, and several previous attempts were made to contact me this past week. XXXX XXXX at AR Recourses XXXX Inc., informed me that I additionally owe the doctors that treated me on XX/XX/XXXX an amount of approximately {$1200.00}. I told him that I have n't received a bill for this amount, and he informed me that XXXX was sent out on XX/XX/XXXX. He informed me that I had XXXX days to pay or he would report it to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
EQUIFAX IS REPORTING A TEN YEAR OLD DISMISSED CH.XXXX BANKRUPTCY ON MY CREDIT REPORT AND REFUSING TO DELETE IT. THEY ARE RESPONSIBLE FOR XXXX COMPLAINTS AND SOME LAWSUITS. I FILED A XXXX COMPLAINT ON THEM CONCERNING THIS MATTER AND FOUND OUT THEY HAVE XXXX COMPLAINTS AGAINST THEM. I WOULD LIKE YOU TO INVESTIGATE EQUIFAX AND ALSO A XXXX COMPLAINT THAT WAS MADE AGAINST THEM ON XX/XX/2015 BY ANOTHER CONSUMER. THIS CONSUMER FILED A VERY COMPARABLE COMPLAINT TO THE COMPLAINT I MADE AGAINST THEM AND EQUIFAX DELETED IT OFF OF THERE CREDIT REPORT WITHOUT ANY PROBLEMS .SO IT LOOKS LIKE EQUIFAX HAS ITS PICKS AND CHOOSES WHO CREDIT IT RUINS FOR YEARS AND WHY THEY ARE ALLOWED TO RUIN PEOPLES CREDIT FOR YEARS. PLEASE LOOK INTO EQUIFAX AND THE XXXX COMPLAINT DATED XX/XX/2015. I AM REQUESTING FOR EQUIFAX TO DELETE THE DISMISSED CH. XXXX BANKRUPTCY AND TO SEND ME A UPDATED CREDIT REPORT AS SOON AS POSSIBLE. THE FAIR CREDIT REPORT ACT MENTIONS NOTHING IN SECTION 1681 C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILINGS. THEY HAVE NO RIGHT TO MAINTAIN INFORMATION WHICH THE GOVERNMENT HAS DEEMED NONEXISTENT. PLEASE INVESTIGATE THIS COMPANY. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Spam mail to our mailbox with information we do not want put in the mail. We are on the US governments ( do not mail ) list. We have called Wells Fargo a dozen times. We receive offers every week.

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 2016-09-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have applied for a HARP refinance of my condo with my current lender. Although I am HARP eligible, but they are indicating that my flood insurance policy is not sufficient despite it being in excess of XXXX. They are further indicating that my only option is to get increased coverage up to {>= $1,000,000}, which is not only implausible, but absurd. This also does not make logical sense to me as Wells Fargo currently owns my loan and my flood insurance is sufficient for that loan.

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 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chexsystem continues to report information on my Consumer Report after being notified its a result of ID theft and in violation of my request to block that information under FCRA Section 605B and 623 ( a ) ( 6 ). They responded that it was validated but how can an account that is NOT MINE and a result of ID Theft be validated????? I have never had a bank account in my entire life and use a payroll card for all my bills and finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a credit card with Wells Fargo. I previously owed XXXX $ on it. I paid that off a few months ago. I thought I had paid off the entire debt but apparently owed XXXX $ in interest. This was not showing up in my online accounts as being still owed. Eventually I got a letter from Wells Fargo saying they were closing my credit card account and sending the XXXX $ which was now XXXX $ to credit reporting agencies. I have had about XXXX $ in my Wells Fargo checking account the whole time. I called Wells Fargo because my credit card account is still showing XXXX balance. The lady I spoke with said she was requesting this to be dropped. I got a letter about 2-3 weeks ago saying Wells Fargo had researched it and their information was correct. They were reporting it to credit reporting agencies. I called again today and spoke with someone who said he was going to remove the problem from credit reporting agencies because the debt of XXXX $ was based on interest. I do n't understand that. I asked why they did n't just pay the remaining balance from my checking account. He said that his department could not take payments from me. Nobody has offered to reinstate my credit card. I am very frustrated. Incidentally I also have a mortgage with Wells Fargo. I have been thinking of trying to refinance with a different company because I do n't trust or like Wells Fargo. Perhaps they are trying to make my credit worse so I can not refinance the loan, although they are so huge, there would be no reason for them to care about my measly XXXX mortgage. Please assist. I would like for them to reinstate my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX XXXX, XXXX, we received letter from Wells Fargo informing us that we did not qualify for Home Affordable Modification Program. We were told that XXXX XXXX requires that the property be owner-occupied. The XXXX XXXX website says requirements : Property Type : XXXX-to-XXXX-unit XXXX residences, including condos, PUDs and manufactured homes. 
XXXX homes XXXX-to-XXXX-unit investments properties We meet the requirements for the XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX This single family house is for the one of the investment property. As noted in our Hardship Statement, we are presently current on the mortgage payments for XXXX XXXX XXXX XXXX, XXXX, CO XXXX. Because of the increasing medical and assistance with daily living costs, we fear imminent default once the mortgage payments almost double in XXXX XXXX, XXXX. As I mentioned earlier, my husband list his job in XXXX XXXX which lead to our financial issues and we had to file for Chapter XXXX Bankruptcy. My husband suffered a XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX in conjunction with XXXX. XXXX. We would very much like to resolve the loan modification matter so that we can focus on his recovery. Thank you for your assistance in this matter.

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 2016-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was charged the below fee for a check that was dishourned and I feel this {$12.00} fee i is very unfair since I have so much of money with Wells Fargo. 

Date : Fri, XX/XX/2016 XXXX XXXX From : XXXXXXXXXXXX To : XXXXXXXXXXXX Subject : Wells Fargo : Checks deposited into your account have been returned wellsfargo.com Checks deposited into your Wells Fargo account have been returned The following deposited checks have been returned unpaid. As a result, we have deducted the following amount {$140.00} from your account XXXX. 
Date Reason Check number Amount Returned deposited item fee XX/XX/2016 Stop Payment XXXX {$120.00} {$12.00} Total returned deposited item fee ( s ) {$12.00} We are sending you a paper copy of these checks via U.S. mail, which includes the front and back image of the returned check ( s ) for your reference. 
For the most current balance and more account details, as well as access to deposited check images, sign on, go to Account Activity, and choose this account from the dropdown menu. 
If you have questions, please call us at XXXX, XXXX hours a day, 7 days a week, or contact us by secure email. 
Sincerely, Wells Fargo Online Customer Service wellsfargo.com | Fraud Information Center Please do not reply to this email directly. To ensure a prompt and secure response, sign on to send a secure e-mail. 
You are receiving this alert because you are an online banking customer. To modify or cancel your alerts, please sign on to Set Up/Modify Alerts. 
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 2016-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
my name is XXXX XXXX I had lone from welfargo I bought hose I took lone XXXX I paid XXXX I had remaining XXXX my wife divorce me the judge order her to live the house so left me my XXXX dougter living on the house so I cadent afford to pay I asked several time to reduce my mortgage XXXX housing cancel help me to talk to welfargo they fax all the paper work to welfargo they no respond I did XXXX to file bankerbcy XXXX XXXX XXXX XXXX Bankruptcy Attorney I found out he never pay welfargo he garnished my checks XXXX every 2 week XXXX evry month welfargo they drop the bankerbcy cadent afford to pay I had depereshen the divorce the bank gave me hard time I started rent the house pay the mortgage but my ex wife e invected my tenant at same time welfargo took me to supreme court asked the court to review my mortgage the cort say his not kipping the house the court give as time to seal the house from XX/XX/XXXX to XX/XX/XXXX I never notified from welfargo they sel the house on action on XXXX for XXXX and they new owner he took me twice the city court dismissed the case twice the court told they new owner he have to have 90 days notes but the new owner some how he know people XXXX conty sherfe they luck my house my car and my close inside write now I am both haven XXXX I am homeless I do n't know what to do Address : XXXX XXXX XXXX XXXX , XXXX, NY XXXX Phone : ( Hours : Open today XXXX-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 2016-03-11 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Red Cedar Services, Inc
State: CA

Complaint narrative:
In XXXX I took out a payday loan online with 500 Fast cash. The loan was for {$250.00}. My {$75.00}. Payment was to be debited on the XXXX of each month..Everything was fine until XXXX, XXXX when my payment was not taken out. I called XXXX and it just rang. Called several times later that day and for weeks after and still no one answered the phone. I emailed a letter asking why my payment was n't taken and emailed it to customerservice @ 500fast cash.com..I never received an answer. I repeatly tried to call still no answer. I then faxed a note stating I hereby do not authorize my bank to pay them in the future. I was afraid they would debit my account an exorbitant amount. Still no communication. If I had an address for these people I would have sent a certiief letter but apparently they do n't stay in XXXX place long enough. Months later I started to receive extremely harassing calls from a male who I could barely understand screaming that a policeman would be at my door soon and I had better make a payment. He never mentioned what and who this was about and I screamed back and hung up on him. He called again and did for a few hours. Time went by and he started again. I did go to the police dept. but of course these scammers are hard to track down. This went on intermittently over the years when they starting call in my brother 's house whose name I gave as a reference. I was living XXXX at the time my address had n't changed, neither had my phone number but they harnessed my brother to this day. 7 years of harassement. I moved from XXXX and my brother told me he has gotten calls from a company called XXXX XXXX XXXX from XXXX XXXX. I called him yesterday XXXX/XXXX/XXXX and me told me I owed over {$400.00} from this loan and he thinks it might be because of a bad check. The money was taken out of my account until XXXX XXXX, XXXX when that stopped. I told him exactly what happened and I also filed for bankruptcy in XXXX. He said they will sue me still for the check and I would incur many times over what was originally owed. I have this figured out. They take out the payment for a while and then stop. I could not reach them In any way possible and then they send the scammers after me. I called my lawyer and his secretary told me coincidentally another client called her yesterday about the very same agency..If I could afford a protracted lawsuit I would love to out these vultures out of business..I kept every piece of correspondence from me, emails, copies of problems other people have had with these people. I also have copies of my checking account showing the debits all paid until XXXX when no debit was made. I think this has to be dealt with seriously. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: NM

Complaint narrative:
MAVERICK FINANCE PAID IN FULL DELETED THAN REINSERTED. IT WAS TAKEN OFF THE BUREAUS THAN PUT BACK ON. XXXX ITS BEEN PAID

Company response to consumer: Closed
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have been a consumer of Wells Fargo commercial loan for 7 years. During this time I have contacted them, in XXXX in XXXX and most recently this past spring, looking to refinance my commercial loan. Each time, I was told that they do n't refinance commercial loans. So I have continued to carry the loan with them at 10.6 % because I do n't have the funds for the appraisal required by going to a new lending institute. In fact, I 'm living with a family member because I can not afford to pay rent. After hearing all that has happened with Wells Fargo, I thought there might be something fishy in the commercial loan department as well. I say this because for each call there was no person higher up that was available to challenge this no refinance policy. As a result of not refinancing, I put my property on the market this summer to get out of debt. No takers so far. If your team thinks this could be challenged, I would appreciate a call or email. 

A few more details ; I am a sole owner, no llc, who put my saving into a XXXX unit investment property in NH right before the recession. I am not some big development or corporation with legal muscle. The financing I got was with XXXX who sold my loan to Wells Fargo roughly 7 years ago. 
I 'm not expecting miracles but if there is something to uncover I 'm confident that your team can.

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 2016-02-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's Fraud Department contacted me by phone on XXXX XXXX, XXXX to verify suspicious charges and it turns out the charges were fraudulent. Macy 's XXXX XXXX removed a {$260.00} charge from my Macy 's store account and told me I should send a " Statement of Fraud '' to Macy 's American Express Fraud Department to remove a {$40.00} Shell Oil charge made in Delaware. I live in XXXX, FL and I have never been to Delaware. Also, I was told not to pay for the {$40.00} charge. That same day, I went to a Macy 's store in XXXX, Florida and paid off my balance of {$1300.00} in cash. 

Macy 's Fraud Department told me they were mailing a " Statement of Fraud '' to my home address ( they told me they could not e-mail or fax the form ). After several calls to the department I received said " Statement of Fraud '' on XXXX XXXX, XXXX ( 1 month after the initial call ). I signed it and return it by mail on XXXX XXXX, XXXX. I called the fraud department and I was told it would take several weeks to process the fraud investigation after they received my letter. I paid my XXXX Macy 's statement balance minus the {$40.00} Shell Oil charge. My headache was just starting. The Fraud department kept saying that they did not received my letter or my fax. So, I started calling and faxing as follows : Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX The answer was always the same : " there is no record of receiving the Statement of Fraud by either mail or fax therefore we can not investigate it. '' After losing my patience, I sent a copy of the " Statement of Fraud '' to the Fraud Investigation Department by XXXX signature required on XXXX XXXX, XXXX and it was delivered and signed for on XXXX XXXX, XXXX. Afterwords, 3 months after the initial call, I called the fraud department and after one hour on hold I was told that they would give me an answer in a few weeks. My credit is damaged, Macy 's calls me everyday looking for payment, the original {$40.00} is now over {$120.00} with interest and late charge fees. I have spent more money with calls and XXXX that I would have if I had paid the original {$40.00} fraudulent charge. 

I want to clean my credit but the Fraud Investigation Department of Macy 's American Express card is not cooperating and it has made my life XXXX for the past 4 months. I was a very good Macy 's costumer and I can not wait to close this account and never again step in a Macy 's store while I am alive.

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 monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My wife and I have had an account with Wells Fargo ( formerly Wachovia ) for about 28 years. I deposited {$11000.00} into the account. Well Fargo froze the account " in case the money is XXXX. '' About this time, my wife wrote XXXX checks, # XXXX for {$1500.00} and # XXXX for {$2.00} to a contractor. The contractor tried to cash the checks and his bank said that they were not being honored by Wells Fargo. Unfortunately, the contractor asked my wife for XXXX more checks for the same amount and she complied ( numbers XXXX and XXXX ). I called Wells Fargo and asked why they did n't honor the first checks and they told me they were concerned that about the deposit being drug money. I pointed out that there was already a balance of more than {$4400.00} before I made the {$11000.00} deposit. They told me that XXXX set of checks had cleared, with {$4400.00} being withdrawn from my account and the other set had not cleared. I asked them to stop payment on the XXXX that had not cleared and they said that they would ( Reference numbers XXXX and XXXX ). Later, I saw my statement and saw that all XXXX checks had cleared so that {$8800.00} was withdrawn from my account. I called Wells Fargo twice : the first time the person handling my call for a long time while she talked to her supervisor and told me that they would get back to me. They did not get back to me. I initiated a second call and again I was put on hold a long time while a supervisor was involved and they told me that they were n't going to put the money back in my account ; I should ask the contractor to return the duplicate money. Later, they sent me a letter suggesting that I ask the contractor to return the money. We have had exhaustive talks with the contractor. He had not finished done any more of the job ( front porch ). He did give us {$1000.00} back, but no more. It has been almost two months. I little hope that CFPB can make the contractor do the work. I am hopeful you can persuade Wells Fargo to return the money for the checks they failed to stop payment on. Then, I would only be out {$3400.00} to the contractor.

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