vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: FL

Complaint narrative:
For 18 months now, since I began closely monitoring my loans, I have had to call my loan company ( Granite State Management & Resources ) almost every month due to misapplication of loan money. I try to make targeted payments to pay off specific higher interest loans, and many times they simply spread it across all loans despite my specifications given both online and over the phone. The last couple of months, they have adjusted the amounts paid slightly on my loans, and have actually increased my auto-debited amount without my consent. The amounts are negligible for just me, but if this is happening to many of their clients, they could be making a whole lot of extra money by slightly adjusting payments, most so slight that I imagine many people would n't notice. I 'm tired of having to call and call just to have them do the same thing again the next month. There 's no reason my auto-debit should ever be different.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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: FL

Complaint narrative:
A long time ago I switched my phone services from XXXX to XXXX ( who happens to be owned by XXXX ) to lower my cost. XXXX continued to bill me for unknown charges after my switch. I had no legitimate debt owed to XXXX. I have continued my services with XXXX XXXX for more than two years.

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 2016-09-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: IA

Complaint narrative:
on XXXX XXXX XXXX i filed an application online for a loan with big picture loans. I was unaware that i would be paying {$4100.00} for a {$700.00} loan. Big Picture Loans called me and explained my payments would be XXXX every two weeks and to pay off loan it would be {$870.00}. It was implied that i could pay off the loan early and the total cost would be XXXX but was never made clear that the payments were interest only. i was never provided documents prior to accepting the loan to review, only the loan application. after accepting the loan, i became aware of the amount i would be paying in interest for the loan after i acepted it and the funds were dispursed. the rep on the phone was not clear on all details. He did not disclose any of the fees that i read about in the loan docs. I notices a XXXX dollar a week fee if i dont let them take the payment. If was made clearly aware of all these fees and stipulations and total final cost of the loan with details of the exact amount interest would be paid for loan if taken to term, i would not have accepted this offer. This is illegal. The rep was also pushy and speedy. he was rushing me through the process, i believe so i was n't completely aware of all the details. I have done research on the company and found out im not alone. This company has been doing this to many people. this company needs to be closed down it seems like they keep changing their name to avoid repercussion. not only am i asking for help in this matter, I want to know if its possible to bring charges against the company. How do i go about getting this loan dissolved without hurting my credit. they lied to me and illegally and intentionally did not disclose the whole details. in XXXX the ftc act passed a law so that these kind of companies can not use the tribal laws to take advantage of consumers. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
I applied for a installment loan with BigPitcure loans. I qualified for {$800.00}. When agreeing to such a loan over the phone no mention of the interest rate. The only thing that was mentioned was the due date of XX/XX/XXXX in the amount of {$280.00}. Then nothing was mentioned that this was a biweekly loan. I get paid twice a month. I have logged in to see why this was and guess what my interest rate is XXXX % I will be paying {$280.00} biweekly until XX/XX/XXXX ( yes XX/XX/XXXX ) this is {$6800.00} once I have paid back. They had played me and I was not informed this was such a high interest rate as well as this was a biweekly loan. I borrowed {$800.00} and will eventually pay back {$6800.00} that is illegal it is a scam/shark loan. {$6000.00} in finance/interest no way. Payday loans are illegal in XXXX ( which is the state I live in ) this is a payday loan if they are asking when I get paid and taking out {$280.00} every time I am paid. I again was not told what the interest rate is only that the amount approved was {$800.00} and my first payment is {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
I applied for a loan through Castle Payday for {$600.00}. At the time of the loan, they did not disclose the interest rate that I would be paying or the full amount of payments that would be charged over the lifetime of the loan. 

They have been charging a 824.9979 % interest rate and debiting my account {$210.00} every 2 weeks for the past 4 months and I still have a balance of {$700.00} 4 months later ( and after many payments! ) I have already paid {$1700.00} and this is NOT PAID OFF?!? 

I never would have taken out the loan if they had truthfully disclosed that my total payments would be {$3600.00} for {$600.00}. 

Payment information : XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - VBS CastlePayDay XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX Total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I applied for an installment loan through Big Picture loans. I was under the understanding that I would have to pay XXXX in interest on the loan. However after digging deeper i am required to pay over XXXX for interest on a XXXX loan. i can not afford this and need to know what I can do to get out of this loan, This company is a scam artist and I can not afford nor will not pay this amount of money. I have already paid back the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Kirkland Asset Management LLC
State: NY

Complaint narrative:
Kirkland Management XXXX, CASE # XXXX called my daughter 's in-laws asking where I was and complaining about a debt they stated I owed-my telephone number is listed and I live in XXXX-they called the above in XXXX in an attempt to discredit and embarrass me with my family-in addition, discussing private information with parties not associated with the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
The wrk before XXXX I made a math error with my checking account. This should have resulted in XXXX NSF fee but instead my bank Wells Fargo paid the largest to smallest transaction resulting in almost {$500.00} in NSF fees. I reached put to them and spoke to XXXX employees who had no sympathy and rudely stated that is their policy and basically too bad! Then on Tuesday I reported XXXX fraudulent transactions and not only did they pay them they charged me XXXX more NSF fees and they had no recollection so now they have almost {$600.00} of my money. I know other banks in the area do not engage in these practices and XXXX bank actually resolved a class action suit for engaging in these practices! 

I am hopeful that you can assist me in recovering my money. 

Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX 2013 I opened XXXX bank accounts at Wells Fargo in XXXX XXXX, Oregon -- a small business account and a personal account. Within a XXXX, Wells Fargo closed my accounts, without notice and without explanation. Eventually it took my calling Wells Fargo to find out that my accounts had been closed ; in the meantime I was unable to access my accounts, either online or at ATM machines. Wells Fargo said that additional information was required on my accounts, which I provided immediately. Wells Fargo re-opened new accounts in my name, only to close my accounts again within another week or XXXX, then to re-open my accounts, again, with new account numbers. While all this was happening, Wells Fargo continued to hold - and have the benefit of - my money. Since my accounts were so messed up by Wells Fargo, I could not setup online banking, I could not pay bills, and I never received bank statements of my accounts. In XXXX or XXXX 2013, I attempted to apply for an XXXX XXXX driver 's license ; however, since XXXX required proof of residency within the state, which may be provided by bank statements, I was unable to provide proof of residency without my bank statements from Wells Fargo. I purchased XXXX vehicles in XXXX 2013 in Oregon ; since I had no state identification from XXXX, I had to use my XXXX driver 's license as my identity -- and pay XXXX sales tax, which I would not have had to pay any sales tax at all if I had an XXXX driver 's license ID.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am attempting to avoid a foreclosure sale. I have submitted a completed mortgage assistance package to my servicer - Wells Fargo Home Mortgage. I also have equity. Wells Fargo has not postponed the foreclosure sale because they prefer to take the equity from me and profit from my distress. I fell behind on my mortgage because of long and painful XXXX treatment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
See CFB case XXXX, this is twice they have closed this with the same resolution. unable to contact us, funny guys Wells Fargo, I now have close to 60 letters from them and get at a minimum 2 calls a week from them, so you just take what they say for their word. 
All of this in 6 months, they last claimed they have only been working this since XX/XX/XXXX and I have letters from XX/XX/XXXX and XX/XX/XXXX from them on file, they are liars and you Consumer Protection Agency are taking their side on this, look they have given the same resolution to this twice XXXX .... 


I can provide you a detailed log on Call 's received and letters received from Wells Fargo, this should be XXXX ... 

Reopen case ... if you want the proof ask me ...

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: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have an account with Wells Fargo. I withdrew {$350.00} on XXXX/XXXX/16 at the branch. Wells Fargo charged my account {$35.00} for this transaction, then they charged me 5 times {$35.00} for a total of {$170.00}. The money was in the account when I withdrew the {$350.00}. 

I had a direct deposit on XXXX/XXXX/16 for {$1200.00}, Wells Fargo still gave me an overdraft fee of {$35.00} although the money was in the account. 

I feel as if these fees are extra and unlawful.

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 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a victim of a phishing scam. I opened account with a Wellsfargo Bank on XXXX/XXXX/2016 my account # is XXXX. I am a victim of a phishing scam. Someone with the name " XXXX XXXX Wellsfargo # account XXXX, pretend to be a loan company arrange a personal loan for me, and ask me to deposit {$5000.00} in closing cost. I opened the account on XXXX/XXXX/2016, wrote a checking to this phisher. This personal cashed out XXXX USD immediately. They should not be able to cash out on the same day. I contacted Wellsfargo immediately on Monday to ask them to help retrieve my stolen funds. They did not help. They denied my claim. I understand that I was stupid to be a victim of a phishing scam, when I deposited the check in my Wellsfargo account on the same day, there was no signature on file to verify the check. New account screening should have restrict the transaction to protect me as an account holder. When I opened the claim, they did not help. They fail all the way from start to finish. My wife ended up divorcing me, and I lost my child in a child custody because of irresponsibility of Wellsfargo who I trusted. The person that scammed me still banking with Wellsfargo and continue to look for more victims. No one assist me from Wellsfargo. Not only I lost my money, lost my wife, my kid, and I lost my faith in banking system. Wellsfargo bank, New account Screening, Fraud Department fails me as a client. They were not acting as my fiduciary, but a criminal accomplice continuing helping criminals preying on innocent victims. When my lawyer and I got in touch with the XXXX XXXX District Attorney which the phisher is an employee XXXX at XXXX, she decided to take my case and prosecute this criminal XXXX XXXX who works for the XXXX DA office. I asked Wellsfargo to send only the check that I wrote as evidence to the DA office, they send the claim affidavit which I was assisted in filling out at Wellsfargo. Because it was filled out incorrectly, at the last minute where the DA office was about to prosecute they drop my case due some terrible paperwork that Wellsfargo send to them. Losing XXXX in the moment when I need money the most to save my family my XXXX year old child was important to me, however, more important to me is that this criminal XXXX XXXX still got account with Wellsfargo, still look for people to prey and harm. Please help me with this. My contact number is XXXX. I decided to voice my concern here because of what 's going on with Wellsfargo Bank lately with their fake accounts, their culture of lack of oversight in protecting our country consumers.

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 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Behind on loan payment by a couple of weeks. I have received 3 calls to my place of employment. Each time I 've asked for that number to be removed as I ca n't receive those types of calls at work. I was told it would be and yet they called my job again today.

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 2015-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I called Wells Fargo and I needed XXXX fee waiver due to some issues i had on my end. I did n't want a recurring charge to go thru tonight and start a cycle of ol fees again. I am having issues with payroll ... ... and no at this point in time i can not fax proof of that to the gentleman that took the call due to the charge going thru XXXX tonight.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 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:
i had several accounts opened for me which i did not request from wells fargo in XXXX ca and read some time ago the process was being questioned i think by the district attorney in XXXX whom i called. i was told they were only working on cases in XXXX and threw all my checkbooks, etc away ... i had paid my property taxes on an account that had no funds and was assessed over {$300.00} for a late fee and desired recourse. Is there any at this time due to the recent settlement or who do i contact? thanking you in advance for a response ...

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 2017-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank account by Wells Fargo bank is being rubbed over and over again, my complaints have been without a result this is been going on since XX/XX/2007. I have many letters of confirmation but no action. It has been costing me money as well as lots of other XXXX. I am almost certain that the XXXX employees of the bank are sabotaging my account. This is not a single case. The force behind it is " American XXXX congress " please take action

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 2015-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There was an unauthorized check withdrawal transaction on my personal checking account XXXX/XXXX/15, XXXX. Unauthorized funds released. All my transactions have been returned unpaid and no communication from the Wells Fargo bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My wife and I wanted to close our home equity account. She went into the Wells Fargo branch to close the account and was instructed to call the Home Equity XXXX. We called the Home Equity XXXX and was instructed to send a letter to the Payoff Processing Dept with a {$400.00} prepayment fee. We were surprised as we had a zero balance on the account.

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 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo is the servicer of my loan. I have tried for a remodification 3 times. They always ask for me to resend and update information until I am exhausted, they promise that if I get everything in, there 's a good chance, but in the end, they always find an excuse not to give it to me. In the current application for remodification, I was told that I need a higher income. I told them that I had rented out my rooms in the past and had to get rid of my renters when I could n't afford the payments and tried to sell my home. So an executive that would n't give me his name said that if I send in proof of rental income, I will get my remodification. I sent it all in in XXXX 2015. Since then I have called and called. They are doing the same thing by requesting more and more documents that I have already sent them, and it has been 4 months without an answer. They are crooks! 

In addition, this XXXX they locked me out and barred me from my own home when I was XXXX payments overdue. We did n't even go into foreclosure, no judgements made, and they came to my home and had a contractor steal my orchids, disconnect my plumbing, dirty my carpets and more. I had just spoke to they attorney about moving back in after trying to sell it and having no luck because I owed too much to pay off the loan. After fighting with them over the phone, they returned my key, but never replaced or compensated for damages and stolen items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I wrote a check for {$700.00} for rent to my landlord ( XXXX XXXX ) at the beginning of XXXX. After my landlord mobile deposited the check, it came into his account as per usual. However, a few days later, someone stole the check, cashed it, and the money was deducted back out of my landlord 's account. So, my check was stolen and my money was stolen. I reported the claim immediately after we found out to my bank ( Wells Fargo ) and he reported it to his bank ( XXXX XXXX XXXX ). However, both banks REFUSE to reimburse me the {$700.00} that was stolen from me. When asked why the banks wo n't refund us, they both refer us to the other bank, therefore the issue is just being passed back and forth between the banks and again, I AM NOT BEING REFUNDED for money that was stolen from me. Because of their refusal, I am out {$700.00} and this is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation