vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern : I asked for a mortgage from Wells Fargo for refinancing purposes. It not only took 5 months for them to review and look at the documents even I was warning them the time was passing ( their employees are not aware of what each other do ), they did mistakes when submitting the loan requests and restarted the process therefore ... After all these mistakes, they tried to charge me fees to extend my mortgage rate lock every 15 days. I said that they may not move so slowly and charge another {$250.00} every 15 days to keep the rate locked. Then they threatened me with canceling the mortgage process if I do not lock the rate. 

I also said I will not pay for any appraisal costs until my file is approved. I said the appraisal has to be done last in the process, so I do n't pay appraisal fee for nothing. They not only charged me the appraisal fee of {$670.00} ( which is outrageous for a condo appraisal anyways ), but also pushed me to pay {$250.00} extra every 15 days to extend the rate lock. Then I said that they need to refund my appraisal fee and I will not proceed. Then they said they found some XXXX being mentioned in the condo association document. This is why they will not do mortgage. This is an old condo from XXXX in XXXX and there are so many other condos financed there. I said that is fine that we do not move with the process after 5 months and asked them to refund the appraisal fee charge. I have all the emails and conversations recorded. 

The issue is : 1 ) Well Fargo may not push the customers to pay {$250.00} every 15 days to keep the mortgage rate to be locked if the customer says 'Let it float until we close ''. They are doing deceiving practices and abusing the consumer. Their initial Fair Faith Mortgage Cost Estimate document did not match what they finally sent to me due to those lock rate extension fees. 

2 ) If the customer asks that appraisal fee will only be done after all the process is completed to make sure everything is approved, they may not charge my credit card without my consent as I know they play these tricks. I clearly said the appraisal may only be done as a last step in the process ... 


You need to help me to penalize these guys who take advantage of the customers and run like wild West. I will sue them. Thanks! 

Regards, 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 2017-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX I went into pre-foreclosure with Wells Fargo Home Mortgage. At that time the balance on my home was approximately {$140000.00}. I requested a loan modification from Wells Fargo which was approved however, they started the term over on my loan and the new balance was more than the original amount owed on my home. I had requested a breakdown of all fees associated with the modification and never received anything. I want this investigated because it seems that the modification was more in favor of the bank and Wells Fargo has been know to have some questionable practices. I am currently still in my home but owe more than it is worth at this point due to the modification.

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 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rubin & Yates, LLC
State: NH

Complaint narrative:
I am getting harassing phone calls from a debt collection agency who represents their self as a law firm saying I owe money to a company I never heard of. I did have a payday loan several years ago but it was paid as agreed at the time. This agency has even called my work place & only has a recording, not a real person, asking me to call another #. I called the # & was told I owed money to some payday loan which I do not. They asked me to prove I did n't owe the money & I told them to prove I did. They became very rude & I just hung up.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
XX/XX/2017 -- Called USAA to set up 60 month pay off agreement. Was told will have to go through income verification worksheet. Was told that a payment is needed within 15 days of agreement, I notified rep that I would call back next week so I would be able to comply with the 15 day payment agreement. 
XX/XX/2017 -- Called USAA to set up this pay off agreement previously mentioned. Went through the financial information with associate. I was told that my income met the guidelines, however because my account is 4 months overdue, I would not qualify for a long-term repayment plan. I repeated what rep told me last week and was told that it must have been an oversight. The current representative I was on the phone with told me that I he saw what was notated on the account and agreed with me. He transferred me to a supervisor voicemail and said that I should receive a phone call back before the end of the business day. Representative offered me two other options : 12 month payments of {$64.00} and would go back to normal interest rate even though the account is closed. I could also make three payments of {$160.00} and bring the account current, however it would remain closed. 
I am getting the run around, meanwhile they continue to rack on fees and interest while I am legitimately trying to get my finances in order with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: RJM ACQUISITION LLC
State: CA

Complaint narrative:
Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called XXXX XXXX XXXX XXXX XXXX XXXX, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!

Company response to consumer: Untimely response
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Ashton & Weinberg, Inc.
State: PA

Complaint narrative:
Last week I received a phone call from my payroll department at my job stating they had received a call from Ashton and Weinberg asking questions about me and trying to verify whether or not I still work at my job. I work XXXX XXXX XXXX home in XXXX, PA. They were given a name and number but I had told them to just throw it out that I had the information already. I received a phone call this morning XXXX XXXX 2016 at XXXX from an unknown number. The person stated his name was XXXX and he was calling in regards to a debt consumer credit card with XXXX that is now in collections. He told me that they were in the process of reviewing my account and that if I was unable to set up some kind of payment plan today. That he was going to refer to the debt collection company to proceed with doing a wage garnish on me. I said to him I did n't know you could garnish someone 's wages for a debt collection without going to court first. He said to me yes we certainly can. So I asked him how much were these wage garnishes going to be. He said that the number varies depending on different things. He stated that it will go by how much I make and it will go by my gross pay not net. So then I started to explain my current situation and told him how I do n't have the money right now to even set up a payment plan that my bank account is in the negative. So then he proceeded to start talking about my other debts stating that would also be put into consideration so the wages garnished wo n't be too high. Then I asked him how much do I owe & it was {$1300.00} and some change. I told him I could set up some kind of plan once I got my income tax. He said I would need to do something today for them not to garnish my wages. I then said well let me talk to my mom and dad and see if I can borrow money to pay this off and then just pay them back at income tax time. So I asked him how much would I need if I were to do a full pay off today and he told me {$900.00}. 

He was from Ashton & Weinberg Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX Telephone : ( XXXX ) XXXX http : //www.awcollect.com/ I have since learned that wage garnishment is illegal in Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 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: CA

Complaint narrative:
On Friday, XX/XX/2017 I just received in the U.S. mail my annual " FREE '' copy of my " XXXX '' per my Due Process rights under the " Federal Fair Credit Act. '' Under the " Collection Agency Information '' there is a false collection debt entry by a " ERC ; XXXX, Florida ; XXXX ; ( XXXX ) XXXX. '' It also falsely noted : " Collection Reported XXXX '' for " XXXX '' for " $ XXXX. '' NOTE : This is the 3rd time that this " ERC '' collection agency has unlawfully noted this false debt collection onto my " XXXX '' without ever having contacted me in the last 2 years. I called them up on their toll free number ( XXXX ) XXXX and politely explained the facts. Their only telephonic response was " Pay the XXXX the {$760.00}, XXXX and we 'll delete it off your XXXX credit file. '' I explained to them again that I 've had " XXXX '' for over XXXX consecutive years and NEVER XXXX That this debt is NOT mine and that I 'm a victim of Identity Theft. '' They then just rudely hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2016, a check for {$200.00} was withdrawn from my Wells Fargo checking account. I believe that check was not written or my husband and demand to be reimbursed for {$200.00} unless Wells can prove one of us wrote it. The number on the check is # XXXX, which was far out of sequence. Another check that cleared the same day was # XXXX. I called Wells Fargo customer service on Saturday, XX/XX/XXXX, to ask to get a copy of this check, because when I click on the image of the check online, it says the check was not available. The other check that cleared the same day was available online. I spent more than an hour on the phone with four different customer service reps. The first one passed me to the second one, without informing the second one of the nature of my call. The third one said I would need to pay {$25.00} per hour for Wells to research this, which is absurd because it is Wells Fargo 's fault the check is not available online. The fourth " executive '' rep said I should go to the branch and they could get a copy. Doubtful, I asked that person to call the branch to make sure they could do it before I wasted any more time. She called and the he branch said no they could not get it, so I am glad I saved myself the trip. The fourth agent said she could not help me because it was a Saturday, but promised to have someone call me on Monday, XX/XX/XXXX. No one called me on Monday, or any other day this week. So now I am at wits end. I do n't know what else to do. Maybe the CFPB can help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: First Recovery Solutions, Inc.
State: MI

Complaint narrative:
keep getting calls from XXXX, when I talk to a representative to explain I do n't know who they are looking for, they put me on hold and never come back. This harassment has been going on for weeks now and they call almost every day.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Protas, Spivok & Collins. LLC
State: VA

Complaint narrative:
I have sent a letter to this firm on a debt to Protas, Spivok & Collins , LLC. To please send me the information on this dept, ( as per the sample letter you provide. The letter was sent Certify mail. So I can obtain proof of my actions within the thirty days. They have returned a reply, with a some papers that was looked up online. No original signatures, No Statement of last activity of the account. they stated its a judgement, but not on my credit report. ( SOL must of ran out, if it was on their ). I will send them another Certified letter again but highlighted with info required and have it notarized. I will also give them a order to stop until proper info has been provided on this debt. That I will take full legal actions against their firm in the state of Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/2017 in regards to how XXXX is reported on my credit report. Once again within a few days it comes back as verified however I have never had an account or contract with this company. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA itn states the CBA is required to promptly DELETE all information which can not be verified.

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 2017-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
I keep receiving calls from different numbers. They will only tell me their first name and will not tell me the company they work for unless I verify who I am. I looked up one of the numbers on line and it leads to Sunrise Credit Services, Sunrise Credit Services , Inc. 
Address : XXXX, NY XXXX Phone : XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performance Settlement, LLC
State: MI

Complaint narrative:
I was contacted by a representative from Performance XXXX in XX/XX/XXXX regarding consolidating my student loans. During this conversation, I was under the impression that the XXXX/month payment for the 36 months was going toward my student payments. It was not until I received a packet of information for XXXX that I discovered that was not the case. During the initial phone conversation with the Customer Service Representative I reiterated the XXXX/ month payment would go towards the student loan balance. Throughout the conversation the Representative told me yes that it would be going towards my balance. I then reached out to Performance XXXX after speaking with XXXX. I asked to have my contract terminated with them. I was told by the Supervisor XXXX that I was not allowed to terminate my contract until he reviewed the phone conversation. I called the next day to touch base with him regarding the situation, and was told he was in a meeting, and he would call back before the end of the day. I never heard from him until I called today ( XX/XX/2017 ). Through our conversation today, he explained the process once again, and we both agreed that there was miscommunication on both ends. He also stated that he did n't want to loose my business, as I was considered a valued customer. I told him that I would go over everything that we spoke about, and that I would be contacting XXXX again, and that I would call back and talk to him later today. I called him back today and explained that I still wanted out of my contract because XXXX has more options that meet my needs. At this time he is still forcing me to pay the XXXX, and will not terminate my contract. At this time, all I want is to have my contract terminated with Performance XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: SC

Complaint narrative:
After being unemployed and struggling to pay my loans, Wells Fargo told me if I paid the back balance of XXXX {$600.00} that they would allow me a forbearance to catch up. I borrowed that money from a person friend. They then rejected my forbearance on the basis that my cosigners could pay -- even though both cosigners are now retired women with substantially less income, including one XXXX. Their only remedy for me is to take out another loan to consolidate and refinance my existing debt, but I do n't qualify because not paying my existing loans has ruined my debt. I have pled with them to make reasonable arrangements with me so I may meet my obligations, but they have refused and have threatened legal action against my cosigners instead. Neither myself nor my cosigners can afford the current payments and I ca n't refinance. So there is no avenue for relief. I do n't know if that 's illegal or not, but they lied to me and told me they would work with me, I think that 's misleading.

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A collection agency listed on my credit report as XXXX is reporting to my credit AGAIN. It has been previously removed because it was deemed not to be mine. Company could not verify any of my personal information when contacted.

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