vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I was scammed by XXXX XXXX, I was told by XXXX XXXX and XXXX XXXX, that I won {$150000.00} but in order to release my winnings I had to send {$500.00}. I refused so XXXX said that they would see what they could do to help me out. After weeks of talking back and forth to them, on XXXX XXXX they told me that I need a bank account so that they can deposit money into my account. I went and opened a checking and savings account that day at Wells Fargo Bank, I gave them the information that they needed to deposit the money. They kept saying trust me and that I have to do what they say. On XXXX XXXX I gave them access to my online banking. On XXXX XXXX, I received an email from the bank saying I have XXXX mobile deposits {$490.00} and {$500.00} from their friend XXXX XXXX. They told me that I have to take the money out of my account and send {$500.00} to XXXX XXXX in XXXX. And send {$450.00} to XXXX XXXX in XXXX. I told them my funds were pending, they told me as soon as they are available, do as we asked you. On Saturday XXXX XXXX, I received a email saying Deposit Successful!!! So I went to the bank and withdrew {$1000.00}. Went to XXXX XXXX and sent it to them. Gave the agent the control numbers. On Monday they said as soon as they pick up the money, that my money would be on its way to my door step. Excuse after excuse it never showed up!!! On Tuesday morning I received an email from the bank saying that I was overdrawn {$990.00} and they placed a hold on my account for fraud. That the checks were Counterfeit Checks. We went and talked to XXXX at the bank, he said that they front their customers the funds as a courtesy to them. I never would of withdrew the funds if I knew that the checks had n't cleared. I feel I was deceived from my bank. I thought that they are supposed to back their customers!! That is when XXXX gave me Loss Prevention phone number. And Attorney General Office gave me Federal Trade Commission and they referred me to this office

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 2016-06-08 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
My bank issued an overdraft statement from my checking account at XXXX XXXX XXXX XXXX in 2011. I called the XXXX XXXX XXXX XXXX and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the Best Service Company and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the Best Service Company under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Navy Federal CU from XX/XX/2015 through now continues to take the stance that my checking account was ovedrawn by {$4000.00} as a result of returned ach deposits. This is 100 % not true. I have the documentation as well as statements from the other bank ( s ) involved that substantiate this. In addition, the issue was further exasperated by the fact that they blocked internet access to my account which meant I could not monitor the situation as it developed and that I did n't know that they cancelled my mortgage payment. 
In a prior response from NFCU they reference XXXX ach w/d. There were XXXX. Nonetheless, the issue comes down to this- Over the course of several months, I initiated XXXX ach payments, and I have proof that XXXX were paid from the other institutions. After diligent and painstaking research on my part, I have come to understand how NFCU made the mistake. When I made the payment on NF website, they would credit my account for it. If the other institutions said after that the payment was no good, they would remove that from my NF account which makes total sense. In several cases, the othe bank would retry the payment ( that originally was reported as no good to NF ) and successfully complete the transfer. When that happened it would be taken out of my other bank account yet NF would never give me credit in my account for that amount. Again, I did not realize this for quite some time since i was not able to log into the account. I assumed I was getting proper credit. 
To illustrate what I mean, please consider the following example- I have a balance in my NF account of {$2000.00}. I make a deposit on NF website for {$1000.00}. They credit me and my balance becomes {$3000.00}. A day or so later the other bank where the ach was being pulled from tells NF that the payment was not succesfull so NF takes that {$1000.00} from my balance and it goes back to {$2000.00}. Several times however, the other bank tried to send the money again to NF ( same request that they denied before ) and it was succesfull. In that case, Navy should credit my account back the {$1000.00} but they did n't for whatever reason. The net result my NF account was never credited back {$4000.00} from payments that were initially denied but then paid. Further, the was blocked and a mortgage payment cancelled unbeknownst to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I need your help on this file. I received this file after another negotiator could no longer work on it. I have been submitting paperwork since early XXXX. When I spoke to the bank in early XXXX no one could talk to me because they said the client had to fix something regarding my third party authorization. Finally when they fixed it the bank said they could not speak to me because they did not have a FHA addendum on file. When I requested this from the buyers they became angry because they though the short sale process was no were close to being done. 

They have had an offer on this property since XXXX. I can not speak for the other negotiator but I can understand why everyone is frustrated in this process. I received an email from XXXX last weeks stating that she needed additional documents and the XXXX was being order. When I asked her if there was a foreclosure date she said yes and that she would no longer be reviewing the file. 


She contradicted herself because I do n't even think she knew about the foreclosure until I mentioned it. If she was sending letters to the home owner and there were documents missing why did I not receive an email also. My clients speak XXXX so they were probably unaware of the documents that were missing. I received a new offer for this home today and will be getting all the documents in by Monday. Is there anyway that you could please consider stopping the foreclosure of this property on Tuesday XXXX XXXX. I know it is last minute but I will stay on top of this file so we can get his closed ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I did a XXXX transaction. Then I cancelled the transaction. IWas told by XXXX that my transaction would be refunded to my account. It was never refunded. Next I started an investigation through Wells Fargo. I was temporarily refunde the money back into my account. Wells Fargo told me to send documentation of the XXXX transaction. I attempted to send the information. But, the email uWas given by the Wells Fargo rep was the wrong email address. Wellsfargo, then turned around and took the money out of my account. I called them to inform them about me receiving a wrong email address. I have since resent the info on many occasions. I never did receive my refund, so I set up a complaint with the XXXX. Wads promised to receive theRefund. But, all I have gotten from Wellsfargo has been Lies and disrespect. I just want myRefund,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent an official complaint letter that arrived at the destination on XXXX XXXX addressed to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX attorneys for Experian. It has been more than 30 days as you can see from attached tracking, my complaint letter arrived at their office on XXXX XXXX. 
Pursuant to 15 U.S. Code Title 15 CH 41 Sub Chapter III 1681i ( a ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The accounts should be removed at this point due to Experian 's failure to respond within 30 days.

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 2016-09-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Consumer Financial Protection, I had a {$10000.00} secure credit card with Wells Fargo. They keep my funds to use as collateral. However, I do not receive any interest from them for them keeping this {$10000.00}. What I am surprise at is that when I make payments it does not being applied to the old transactions first WHICH I AM BEING CHARGED INTEREST ON even though they are holding {$10000.00} which I collect no interest from but on top of that payments I made are being apply to most recent transactions which accrue less interest. I have paid over {$450.00} in interest at least and get no interest from the collateral they hold which is a double whammy.

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 2016-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: NY

Complaint narrative:
They are calling the above number about XXXX4 times a day. When I finally answered and requested the name of the creditor they would not let me know. They asked me to verify my address which I would n't due to issues regarding previous issues with my identity. The number they are call is not a number that I would use regarding any credit card or loan that I would take out it is a second line in my house that I use for my business. Also I have never received any notices in the mail regarding the debt they are trying to collect. If they have mailed notices they obviously went to the address that is using my name and therefore this is not my 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 2015-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been paying my mortgage to in PITI for years. My monthly Mortgage ( PITI ) has been XXXX the past 2 years. 
It is my right as a mortgagee to pay any escrow shortage rather than accept any rate increase. The Principle and Interest amount is fixed and is only subject to amortization.The only change in amount due is based on an Insurance increase or a tax increase. If either or both should happen, it is the mortgage company responsibility to notify me of an rate change. They have not. 
If there is an anticipated shortage in the escrow the mortgage bank by law is required to notify me of the shortage. Then I have the option to send a check for the shortage amount or accept a rate increase. 
I have always sent in any needed escrow shortage and reject a payment increase. Wells Fargo is attempting to take away my option by forcing me to accept a payment increase. They have not sent me any escrow shortage notice. My principle and interest payment remain fix. Wells Fargo is now taking my monthly payments hostage and not applying it to the principle and interest and sending me late notices and threatening me with foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NH

Complaint narrative:
I was refused principal reduction by seterus inc on behalf of XXXX, and instead was modified with forged documents ( I never signed the modification ) adding 14 years to my obligation as well as thousands of dollars added to the principle. throughout the last couple of years I have been harassed, trespassed against, belittled, disrespected, mislead, directly lied to ( with material evidence to prove ), by agents of XXXX and seterus. my loan would qualify for the settlements with XXXX but I was XXXX with the airborne so I was protected from foreclosure by the SCRA, XXXX could hide the loan from the reviews, XXXX also was fully aware of the tumult situation I was facing do to being on orders away from the home and forced to rent it at a nearly XXXX % deficit throughout my service as well as after discharge since it was rented to a XXXX couple who have XXXX young children and I could not evict them. I have been shaken to my core by the derelict conduct of seterus, XXXX, NH governor, our NH federal representatives, organization who look only at the barrower with no attention to the impacts of other markets having fluctuated to negativity impact mortgage situations. What a freakin joke to say we are free, free to be financially enslaved by tyrannical companies that government is in XXXX bed with????? it 's such total XXXX that now XXXX is falling out of websites like yours that offers " help '' and out of the mouths of our public and private leaders. 

Prove this combat veteran wrong, restore my faith in this democracy by bringing swift justice to seterus by revoking the charter that gives these despots life and protection. I must be a fanatical patriot, an extremist, to say such things you may think but I say you must be mentally handicap to not see our country being steamrolled by foreign interests and A-moral business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I am very concerned regarding the serious possibility that you have not followed thepermissible purpose provisions of the federal FCRA. A credit inquiry for SPRINGLEAFFINANCIAL was placed within my credit file in XXXX, 2014. The Act specifies thatyou must document your reasons for including such items on my report and, when inerror, remove them as well. I am depending upon XXXX to follow the law : Eitherprovide documentation that the law was followed by contacting SPRINGLEAFFINANCIAL at once, or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 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: Penn Credit Corporation
State: FL

Complaint narrative:
On XXXX XXXX XXXX, I received a notice by mail from PennCredit Corp ( XXXX XXXX XXXX XXXX, XXXX ) attempting to collect an outstanding electric bill from XXXX XXXX ( XXXX, XXXX ) at a previous address which I no longer resided for service dated XXXX XXXX, XXXX. Due to an error by XXXX XXXX, the service was not disconnected on the requested date and instead was billed to me for a service period in which I had already relocated to my newly purchased home. My attorney ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ) sent a US Postal Service certified letter to PennCredit requesting verification of debt, as well as instructions to cease all further communications to myself pursuant to 15 U.S.C.1692 ( c ) except for communication necessary to forward the debt verification information requested, as well as documentation showing PennCredit had registered with the office of Financial Regulation as required by XXXX Statutes. No further response was received from PennCredit in XX/XX/XXXX. On XXXX XXXX XXXX, I received another letter form PennCredit for the same alleged debt, once again lacking any documentation requested in the certified letter sent to them on XXXX XXXX, XXXX. At this time, It is my belief that PennCredit has violated the Fair Debt Collection Practices Act pursuant to U.S.C. 1692 ( c ) by contacting me directly without the requested validation of debt as instructed by certified letter, by contacting me directly when a cease communications was requested by certified letter, by failing to provide validation of debt and company registration within the required 10/30 day period, and by attempting to collect an invalid debt after an expired statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Collection Professionals, Inc.
State: CA

Complaint narrative:
XXXX was informed properly that I would need my internet/ communications service disconnected at my apartment in XXXX XXXX XXXX XXXX , XXXX the end of XXXX XXXX. I settled my debt to end of XXXX XXXX and double checked that they everything tied up on their end since I moved to XXXX XXXX, XXXX end of XXXX XXXX. XXXX continued to draw from my account every month until XXXX XXXX when I finally had my accounts switched at my bank. I was undergoing XXXX treatment from XXXX XXXX - currently and while I was getting my finances in order I noted this unauthorized withdrawal. I spoke with XXXX XXXX XXXX again and it was " cleared up '' although they refused to return the 1.5 years of unauthorized draws on my account. XXXX XXXX I was made to believe that it was all taken care of. I never received a bill, phone call, email or any communications that there were any problems with my account and that I needed to do more. During XXXX XXXX XXXX - XXXX XXXX I moved back to XXXX at XXXX XXXX, near my family again for support. I again went with the only internet provider XXXX XXXX XXXX. They ran my information and I was given an account. They again reassured me that my past account from XXXX was closed and fine. When I moved after the end of XXXX XXXX back to XXXX XXXX XXXX XXXX, I was very through about making sure that my account was paid in full and closed with XXXX XXXX XXXX, again checking both accounts. I never received a bill, phone call, email or any communications that there were any problems with my account. 
This XXXX I received a threatening phone call from a collections agency ( XXXX and Advance Collections Professionals ) telling me that they would ruin my life if I did n't pay my debt and I should know what they mean. I had no clue what they were talking about and figured it was a wrong number. After a few very scary calls I finally got enough information that it was about XXXX. I immediately called XXXX XXXX XXXX to double check both of my past accounts which I had been informed were in good standing ( closed and paid in full ). XXXX XXXX XXXX assured me that they both were and that they would contact the collections agency to clear it up. I recently found that my credit score went from XXXX to below XXXX because they posted it on my credit that I have an outstanding bill from XXXX for XXXX XXXX, which I was living in XXXX XXXX and had already closed out my account with XXXX XXXX XXXX in XXXX XXXX. This is very frustrating and I feel helpless with this company basically saying " what are you going to do about our unethical behavior ''. I hope you can help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Miller and Steeno, P.C.
State: IL

Complaint narrative:
I have been sued with no paper service, found guilty by default ( because I did not know about a court appearance ) and have had and continue to have XXXX dollars garnished from my wages for debt that I am not sure is even mine. The amount garnished ( over {$400.00} each XXXX week pay period ) barely leaves me money for bills and groceries. It always seems to Miller and Steenos that are collecting these. I do n't have a clue about any of this until I get a notice from HR that another garnishment is in effect. Once they get a judgement they seem to continually find more, real or otherwise. Any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
They call me multiple times a week and yell and scream at me and tell me I am a bad person and I owe over XXXX which is not true, they wo n't even take a payment they just scream at me, they also will not provide any kind of documentation of the debt in full.

Company response to consumer: Closed with explanation