vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-10 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: ERC
State: MA

Complaint narrative:
Every so many months XXXX XXXX places an account with a collection agency which is not my bill. I have requested over the years proof of this bill and it always ends up that they can not provide any. In the past I have filed complaints against the collection companies and I think the best action is to get XXXX to stop reassigning this account over and over. 
The company they have assigned it with this time is listed below and they seem at this point to understand after reviewing XXXX XXXX 's info on my account they refereed that something is n't right. 
I have also requested that the collection company send me proof of this debt via phone and email. The contact person at ERC is a XXXX XXXX at XXXXERC, XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Overdraft fees were computer manipulated over the holiday week of XXXX and new years. All the money was in my account to cover all with drawals. Some transaction did not show for a week. With ease money was switched from my account to citizens bank. Simply Bank fraud and manipulation. I have been overseeing the manipulation for 40 plus years. I appreciate your agency help me return my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Kirkland Asset Management LLC
State: WI

Complaint narrative:
Received a couple calls from XXXX " Kirkland asset management '' stating that I defaulted on a payday loan through XXXX web loan. And if I dint call to resolve it they would seek other action. When you call the number they just answer " hello '' not a professional business type of greeting I would think you would get. After I told them I believed it was a scam they got rude with me a sent a letter " verifying '' my debt to my email when I said I had the right to receieve proof of debt owed. But when I called XXXX web loan they said it had been sold off to XXXX XXXX XXXX who when I called answered the same way hello and when I asked questions they were stumbling to give me a response. I do n't believe I have ever even taken a loan from them. I may have attempted to get a loan from XXXX web loan but when I was either denied or not offered the amount I needed I did n't follow through with the final stages of it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I had a five year term car note with Citizens Bank. I paid off the loan early, making my final lump sum payment on XXXX XXXX, 2015. It has now been almost 5 months and Citizens Bank still has not issued me the title to that car. Therefore, I have not been able to register the car or sell it, as I do not have the title. Citizens Bank has been giving me the run around and various excuses as to why they have n't sent me the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was added to my uncle account due to his in availability to collect his rent in XXXX, so that when rent is collected I can pay it into his account. Someone else has assume such responsibility and I would like my name taking off the account, only to be told that I am responsible for a credit loan that was given to him prior to them adding my name to the account. I am being asked to pay the balance of the loan of XXXX and also affecting my credit score. I have my own account with citizens bank and I dont want to be associated with the joint account anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My citizens bank account in 2011 was hit by a payday loan firm multiple times a day causing me to achieve overdraft fees of over XXXX dollars. I asked the bank to freeze my account so this would not happen and they told me they could not because I was at a negative balance. I had to get a law firm to send a letter XXXX the put my account on a freeze. By then it was XXXX dollars in the hole and not a single penny was a result of an overage. Every single cent was b/c of nsf charges so this cost the bank XXXX dollars but is still on my chexsystems report. Its killing me on getting a car loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Global Lending Services LLC
State: OH

Complaint narrative:
I purchased a Chevrolet Cruze LT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX ( XXXX ) XXXX on XX/XX/XXXX ( my credit score was XXXX ). They directed me to Global Lending Services for the loan ( I had previously been with XXXX XXXX@4.9 % ). Since the purchase, I have had nothing but trouble. I had to cancel a {$1500.00} ( extra ) warranty that the dealership had told me I should buy. My last statement shows a repossession fee of {$100.00} added to my bill ( my car has not been repossessed ). In XX/XX/XXXX I made a payment of {$XXXX} payment to catch up ; however, I requested a payment history summary from Global, and, the payment history shows I was credited with paying only {$XXXX}. At the beginning of the loan the pay-off was {$XXXX}. During the past year, I have made over {$7000.00} in payments, but my pay-off is still well over {$20000.00}. Global refuses to allow me to change my payment due date ( I have requested a new due date XXXX to help me make my payments on time ). I need help from somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Since XXXX we have paid our equity loan on time up to including XXXX XXXX. Citizens Bank returned the XXXX XXXX payment stating the account XXXX is closed. When I called the bank, I was surprised to be referred to XXXX, a debt collection agency who then referred me back to Citizens Bank ( XXXX XXXX XXXX XXXX XXXX who said the account changed last year and is now in foreclosure and then referred me back to the collection agency. 

Last year we were in chapter XXXX bankruptcy and the mortgage and equity payments as NEVER included or an issue in bankruptcy and again we always paid on time. 

The issue is that Citizens Bank never informed us of the account change and continued to add late charges and penalties totaling {$2100.00} XXXX XXXX ( Citizens Bank ) stated that due to the bankruptcy reason, Citizens Bank could not contact us. I stated that every month the bank accepted our monthly payment and although we were discharged in XXXX XXXX, the bank made NO attempt to call, email or send a letter stating the account was changed. My attorney ( XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX wrote a letter ( XXXX XXXX, XXXX ) to XXXX XXXX, SVP Citizens Bank Mortgage Services. At this point in time, no one from Citizens Bank will respond or speak with me or my attorney regarding the negligence of imposing penalties and late fees. We are asking that the penalties and late fees be removed because Citizens Bank was negligent in not notifying us of the account changes and continued to impose penalties and late fees. 

On XXXX XXXX, XXXX, we received the FIRST statement which shows fees and penalties removed and also added back in on the same statement. XXXX XXXX ( Citizens Bank ) said this was a confusing statement and referred it to her manager to respond to me. After two weeks, I never heard from Citizens Bank and called XXXX XXXX who stated her office was busy and can not speak further until payment is received including all penalties and late fees. 
My wife and I feel extremely frustrated that the bank has made no attempt to recognize the negligence with the only response is to put our home in foreclosure. 

Attached are copies of the letters from my attorney 's office, bank statement, Debt collection agency, and foreclosure notice from Citizens bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
This agency is attempting to collect a debt that is fraudulent from XXXX that i have ocular proof of fraud and have filed a complaint with the FTC on this fraudulent activity on XXXX and a previous debt collector and now XXXX has sold the debt as if it is valid and not corrected the fraudulent charges which were specifically prohibited by the signed contract XXXX XXXX 2009. This new agency has reported this issue as a new and valid debt and I have no contract with this agency. I have not been notified of any debt by this agency and I do not have any business with this company and refuse to do business with anyone who presents fraudulent charges as true. I never contracted with this company and have no business with them and do not intend to do business with any company that partakes in fraud by passing debt that has been proven to be fraudulent XXXX was the original creditor but they were advised and shown the fraudulent and false activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: IL

Complaint narrative:
This company bought a debt that has been disputed and removed from my credit reports. There is NO CONTRACT or any evidence bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is an addition to previous complaint case # XXXX / omb # XXXX as I was unable to add additional information to that complaint as a result of Wells Fargo 's responses to me. 

I was advised at XXXX Tuesday XXXX/XXXX/16 by Wells Fargo rep XXXX XXXX that his managers refused to provide restitution for the purchases I made in anticipation of my vacation to fire island that was cancelled as a result of all the misinformation provided to me by multiple Wells Fargo reps while I was getting a loan modification. I would not have made the purchases if not for the XXXX XXXX trip that I had to cancel. I wanted to add to the complaint that I was told NO restitution is being provided. 
This is very upsetting that this company can tell me XXXX or XXXX different things as it pertains to my mortgage payment amounts and dates, take money from my account when not authorized AND not provide any restitution for or be accountable for their actions causing me and my family great losses. We lost out on a vacation ( TWICE AS A RESULT OF MISSINFORMATION ), which in my eyes, with XXXX children looking forward to is priceless, money spent for that vacation at least {$2200.00}, there was at least {$1000.00} more but that was spent in cash so unfortunately I can not provide receipts for that. Another {$700.00} or so in medical expenses and they say " sorry, cant help you with that '' I would like to insist that at the very least, they provide restitution on this matter with re payment to me in the amount of {$3000.00} Thank you.

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 2015-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I recently purchased a Cadillac CTS at the XXXX XXXX in XXXX XXXX. They gave me a temporary registration and I believed the documentation to be legitimate. On the temporary registration the mileage was listed as XXXX miles, the actual mileage of the vehicle was XXXX miles. When I went to the XXXX to receive my permanent registration the XXXX informed me that the vehicle was not registered in my name and there was a lean on the title. After the XXXX, I went back to XXXX XXXX and they would not disclose the information that I needed. Later on XXXX legal informed me that the vehicle was stolen.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX XXXX 2016, about a month ago, a friend of mine and I went to an estate sale. We purchased a file folder case that contained some miscellaneous papers and also had some XXXX money in it. We took the money to Wells Fargo to see if it had any value. They looked it up and said, " This ca n't be right, can you come back tomorrow with the money when we can verify for sure that it is correct ''. 

So we brought the XXXX bills in the following morning and met with the bank manager and two ( 2 ) other bank employees. After consulting with others on the phone and amongst themselves, they came back and informed me that the money was real and had a value of {$9200.00}. I asked them to please double check and make sure that it was indeed that valuable. I explained to them that I did not want to find out later that it was a mistake. They informed me that they had indeed double checked and actually had triple checked that the money was real and had value. They deposited the amount to my account on XXXX XXXX, 2016. 

Now after three and a half weeks Wells Fargo contacted me this and told me that the XXXX money I gave them have been taken out of circulation. They now are demanding that the money be returned to them. 

In no way did I misrepresent the acquisition of the money or its value. I did not fraudulently represent anything about this situation. Wells Fargo is a very large bank that has branches all over the world. Wells Fargo is the self proclaimed money experts, so who better to take the money to. Even before I went in to the bank, I contacted them by phone to verify that they did currency exchanges, which they did. On XXXX XXXX, 2016, Wells Fargo took out the {$9200.00} from my account leaving my account overdrawn by {$1000.00}. I got a call today from Wells Fargo asking me to pay the overdrawn amount today. They already took every XXXX in my account and now they want me to pay more to cover their own mistake. We have made decisions of how to spend this money based on it being ours. We put money towards the escrow for a land we 're hoping to buy. And because of Wells Fargo 's wrong doing we may lose the escrow money and the land. 

I do n't get the privilege of going back and undoing all my mistakes. Do I have to let them?

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 non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX I took out a mortgage loan with XXXX XXXX XXXX. They advertised affordable monthly payments and low interest rates on their loans. However, every month the bill came higher than expected. It got to the point where I no longer was able to afford a monthly payment. In XXXX, XXXX Bank, entity that did not know, started a foreclosure action against me. The entity suing me was different than the one I took out the loan. Then, I heard from American Servicing Company, another bank that started collecting the debt. I tried to do loan modifications several times but I was denied. I feel that the bank did not do a proper and fair review of my loan modifcation application and just wants the house to be foreclose. The legality of this loan is in question since I do not know to which entity do I really owe money to.

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 2015-12-22 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Every month I start getting calls about one week prior to and one week following payment. They call multiple times per day. When I block the number to use a new number. If I were in very bad standing with my account I would understand but I am not nor have I ever been which makes the consistent, repetitive and harassing calls unjustifiable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: J.S Resolution Group, Inc.
State: WI

Complaint narrative:
I received a phone call from a representative of a company called " J S Resolution '' threatening legal action against me. I have a recording of this voicemail here : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I receive calls in excess of 6 times per day, every day, Monday through Friday, starting at XXXX and ending at XXXX. When I answer they ask for my wife. When I tell them she is out of town or unavailable, they say they will call back and hang up. They refuse to identify the balance owed, if any. Often there is no one on the line when I answer, and when I do n't answer, they do n't leave a message. I have identified to them on numerous occasions that they are harassing me to no avail. This has been going on for in excess of a year. These calls are severely affecting my ability to conduct my business.

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 non-monetary relief
Consumer complaint received 2016-09-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HONOR FINANCE, LLC
State: IL

Complaint narrative:
I 've spoken to XXXX with Honor finance on several occasions about violating my privacy by choosing to send threatening messages regarding the repossession of my vehicle. I 've asked her to either leave a voicemail message or even send via email. But she refuses to listen and continuously have sent messages stating my vehicle is up for repossession via text message. Now if my phone is lying around anyone is able to see these messages when they come though.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I tried to open an account with wellsfargo and they told me there were accounts open, they took a statement and copies of my ss card and driver license. then told me they would look into it. I waited several weeks and then just said never mind with opening the accounts. I just know some fraud took place but they didnt tell me what. now I would like this investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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 Had wellsfargo accounts from the time I was XXXX years old to about I was XXXX years old. I believe I closed all of my WF accounts aobut 3-4 years ago. I kept noticing fee 's that were being charged to my checking and bill pay services that should have been free. I called and got some back, then month later I relized i was still being charged fee 's. They forced me to close my old accounts and reopen new ones to " Waive fees '', then I was still charged fee 's. I also had a credit card and savings with them, however i never looked much into those accounts but I do believe I did not catch all of the fee 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in XX/XX/2001, I had a checking account with Wells Fargo. I did n't look at my statements every month but after over a year, I did look at my statement and noticed a $ 10 monthly charge for " Online Banking '' -- something I did NOT sign up for or authorize. This prompted me to go over my previous statements, whereupon I saw that Wells Fargo had been charging me this fee for over a year! When I called to complain, I was told that I would only be reimbursed for the past 3 months ( {$30.00} ), because I should have noticed this sooner. Soon after this, I closed my account with Wells Fargo. Now, in light of all the fraudulently created accounts that have been discovered, I think it 's worth sharing this complaint to show that this nefarious practice goes back for at least 15 years. I no longer have any of my bank statements from that time, but if Wells Fargo still has them, I would like this to be investigated, and to be compensated for the money they stole from me. Thank you.

Company response to consumer: Closed with explanation