vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I submitted a complaint regarding our HELOC loan with Wells Fargo on XX/XX/2017 ( Complaint number XXXX ) and the issue is still outstanding. We received a letter from Wells Fargo on XX/XX/2017 stating that their goal was to respond by XXXX, but that it would take them until XX/XX/2017 to " complete their work ''. Today is XX/XX/2017 and we have not heard from Wells Fargo again regarding this issue. I want to make the CFPB aware that Wells Fargo is not keeping up with their finalization of this issue. I 'm attaching the letter that we received from Wells Fargo stating that they would complete their work by XX/XX/2017. 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 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I applied for a loan modification ( HAMP ) Program on XX/XX/2016 with my servicer Wells Fargo Home Mortgage ( WFHM ). I hired an attorney to help me with my application and they confirmed my financial application was received by WFHM on XX/XX/2016. My attorney states I qualify for the HAMP program. WFHM underwriter refused to review my loan for a HAMP loan modification even though the HAMP program allows them to review me because my application was in fact received before the deadline for HAMP expiring ( XX/XX/2016 ). Wells Fargo Home Mortgage underwriter stated they were missing two pages of the application, Dodd Frank and the 4506T, neither of which contain any financial information. I believe WFHM is doing this solely because they do n't want to help me save my home. I qualify for HAMP and deserve to be reviewed for it.

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 2017-04-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I made maybe XXXX Credit Card transactions Total and Wells Fargo Cancel My Credit Card and send me a New One two my Moms Minnesota Address the Problem is I 'm a refugee living in XXXX and have no way two receive the credit card. 
This is the 3rd Time in the Last year Wells Fargo Sent me a new Credit Card. 
Theres XXXX Refugees in the World and the Banks want two Just send them new Credit Cards when they do n't live in the Same Country Subject : Your card has shipped From : Debit and Prepaid Cards XXXX/XXXX/2017 XXXX Contact Us Your new card is on the way We have shipped your new Wells Fargo Debit Card ending in XXXX. 

We sent you a replacement card as a precautionary measure because your current Debit Card may be at risk for unauthorized transactions. 

Your new card will arrive within 5-7 calendar days at : Shipping Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Your card will arrive in a white envelope with the Wells Fargo logo in the upper left hand corner and a XXXX, SD return address. 

Front Image of Envelope Wells Fargo Debit Card Envelope What you should do Keep using your old card until your new card arrives. If you have n't received your new card already, it should arrive in the next few days. Your old card will close on XXXX/XXXX/2017. 
Activate your new card right away by calling the phone number on the sticker attached to the card or by using it at any Wells Fargo ATM. 
Destroy your old card. 
Monitor your account for any purchases you do n't recognize. Contact us if you do not recognize a transaction made to your account. 
What you should know We will continue to monitor your account 24/7 and will notify you if we detect any unusual activity. 
Your replacement card will have a new card number, expiration date, and new XXXX security code on the back of the card. 
Alerts can help you monitor your account activity. You can go to Alerts to manage your subscriptions. 
If you have another card at risk, we will notify you separately. 
Wells Fargo cards come with Zero Liability protection* at no extra cost. You will not be liable for unauthorized card transactions when you report them promptly. 


We understand the inconvenience this may have caused. If you have questions or do n't receive your card within 7 days, please call XXXX ( XXXX ) or contact us by secure email. Phone Bankers are available 24 hours a day, 7 days a week. You can also visit our Fraud Information Center at wellsfargo.com/fraud for resources to help you reduce your risk of fraud and identity theft. 

Sincerely, Debit and Prepaid Cards * Please refer to your applicable Wells Fargo account agreement and card terms and conditions for information on liability for unauthorized transactions. 
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 2017-03-27 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services
State: TX

Complaint narrative:
The company 's name is Integrated Recovery Services and they are trying to collect a debt and using and somehow getting my personal information and contacting my employer, my family members, and emailed me a letter. These people are scammers and are trying to collect a debt and pocket the money and state they are BBB accredited and they are not and that they are going to send the sheriff to my job to pick me up and/or to my place of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AmerAssist A/R Solutions, Inc.
State: MI

Complaint narrative:
A company called Amerassist has called my Mother in Law, my Father in law and a very distant cousin of mine, who I do not even have the contact information for myself, and has shared with them that they are attempting to collect a debt from me asking for information. They have called them on private home numbers and cell phone numbers, even after they ask to stop being contacted. I am unaware of any debt owed, and they are harassing people that I do not even speak with about alleged financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which Capital One charged off {$3900.00} on XX/XX/XXXX and sold to a 3rd party collection agency I am requesting validation made pursuant to the Fair Debt Collection Practices Act that this company is representing that I owe money to them and threatening legal action is a violation of the Fair Debt Collection Practices Act. This contract was CANCELLED when they charged off my account on XX/XX/2017 and sold to a third party collection agency. You must request that all credit reporting agencies delete the entry. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I did not apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
I am in the midst of a very difficult divorce. I was left with XXXX college aged children. My mom had just died and her house was destroyed by a burst pipe last year. During this time, I accrued a medical bill which I felt was unfairly inflated. I put it aside and forgot to address it due to my overwhelming present life situation. A few months ago, I tried to contact the now debt collector after trying to discuss the bill with the doctor 's office first. I am willing to pay the original amount for the medical bill but not the huge debt collection add on. Nobody is willing to comply. The original bill is for {$220.00}. The visit did n't even actually help. The original problem that I went there to be treated for still exists. The agency is asking me for {$310.00}. I refuse to pay extra {$91.00} for the collection fee. I need help with this. I feel helpless and I am trying to do the right thing even though I feel the original bill itself was inflated.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EdFinancial Services
State: MN

Complaint narrative:
I graduated in XX/XX/XXXX from graduate school and have my student loans serviced by Edfinancial. On XX/XX/XXXX, I received an email from Edfinancial that my account was " 11 or more days past due ''. However, I had not received a statement and had no information on my account as to when the original due date actually was. I paid the amount due on XX/XX/XXXX, and a day later on XX/XX/XXXX received an email on that my account was " 45 or more days past due ''. I called the company that week and stated that I never received a statement prior to any deadline and could not find a deadline anywhere on the website, but regardless paid the amount they said was due. The Edfinancial representative then told me that these messages were sent to me in error, and that I did not have any amount due, nor any amount past due, despite receiving these two official emails. They also stated they submitted a request to ensure that I receive monthly statements. However, on XX/XX/XXXX, I then received three emails stating that my " in-school deferment request has been approved ''. Again, I graduated in XX/XX/XXXX. I am not currently in school. My status is still as " graduated repayment '' but my first due date is n't until XX/XX/XXXX. I have not asked for anything special here ; simply for the company that holds my student loans to be accurate and forthcoming with when and how much I owe along with my repayment/deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I 've provided the original company with the identity theft affidavit from over a year ago and they just continue to push it off onto new collection agencies. 

When the affidavit of identity theft was filed, the XXXX collection was coming from XXXX ( {$400.00} at the time ). It is now with Credence ( at {$400.00} ).

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: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have had a probem with a credit card my wife got thru walmart/ synchrony bank.I asked for a settlement on the account due to divorce and i made the payments as scheduled and even called on around the XX/XX/XXXX to make sure everything was ok and i was assured that everything was ok and the debt was taken care of i should receive a letter stating the same later in the month .I just received a letter today stating i didnt make the payments as arranged and that this will be declared a bad debt. I just got hung up on by the sychrony bank because they say they are missing my last payment after another rep said it was made plus i have proof that my check has their endorsement on it

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 2017-03-14 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for the credit care card and got denied because i am XXXX and have no credit but am also looking to build credit. They suggested i reapply with a joint applicant so i applied wth my mom and again i was denied? I called to figure out why and the lady was rude took forever and did n't want to transfer me to someone who knew what they were doing.

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 2017-03-30 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding LLC accepted a CLOSED account from XXXX back in XXXX. Midland Funding is marked on my credit account as an open credit account. Midland Funding is noting as an open account placing on my credit report monthly. I have asked for verification monthly since XX/XX/XXXX. It still registered as a dispute on my credit report. 

Midland Funding never respond to numerous request to verify the debt and actual breakdown what is due. XXXX was the creditor with a 300 initial limit. I was unaware of a XXXX Card opening XXXX. I 'm unaware of the actual charges from XXXX. Midland Funding never responded to proving the charges on the XXXX Card. 

Midland Funding still posts as a monthly open account on a closed account. Refuses to comply with the Federal Credit Reporting Act. 

This damaging my goals of advancement. Both XXXX and Midland Funding is documenting in my history XXXX in XXXX. Midland Funding also in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Lacy Katzen LLP
State: NY

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX because of legal debts my son incurred that I signed legal responsibility for. The attorney filed a summary judgment against my son for the debt. However I signed all contracts for responsibility of the payment. We received a judgment after notification of bankruptcy on XX/XX/XXXX. The attorneys fees were included in the bankruptcy filing. I contacted the collection agency and was told they are my sons bills. This is difficult to comprehend because the attorneys fees were again included in the bankruptcy. I need help with this collection agency trying to collect from XXXX parties when I signed all documents. I have a letter from the attorney dated XX/XX/XXXX that the bills are my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had this Costco XXXX card for more than a decade. Nice wonderful card. Last year the card was converted to Citi Visa card. They messed up from day one. Messed my first and last name. I have to do follow up and get it fixed. Now it 's the annual reward statement during month of XX/XX/2017. I did n't received it - every time they will just send the statement but not this reward certificate. I have to follow up multiple times and asked them if they can directly credit my credit card but not ready for that also. It 's total waste of time and efforts. Is Costco/Citi paying me interest of 25 % on this money because of this delay?

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: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
Exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 how much interest for each cycle how do you calculate interest? answer clearly so i can understand please 18.95 % x principal x days? use my principal amount to explain is this a subprime loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: DYNAMIC RECOVERY SERVICES, INC.
State: AZ

Complaint narrative:
I was told that I have this XXXX XXXX debt that I did not obtain. I filed a fraud claim with XXXX XXXX back in 2014 and was told that they do not have any substantial information to say it was mine. I do n't understand why I am still getting harassed to pay a debt that I have already filed a fraud claim for and was told they did not have a signature or anything on file. So I need for the XXXX major credit bureaus to permanently take this off my account and I need these debt collectors to understand that this was fraud and my personal information was used. They are selling each other debts that is useless and fraudulent.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen canceled my mortgage debt in the amount of {$490000.00} They sent me copy of the XXXX which I placed on my tax return and caused me to owe taxes. 

I applied for a modification with Ocwen in XX/XX/2016 at the begginning of my foreclosure case. I informed Ocwen since they canceled part of my mortgage for {$490000.00} that the modification should only be on the amount of {$350.00} and not on the original amount of my debt. 

Ocwen refuses to acknowledge or deny the cancellation of debt. Ocwen obtained the benefit of the tax write off when they send the Internal Revenue Service a XXXX and caused a taxable event to be attributed to my personal taxes. It is unfair that they are able to obtain a tax credit and still try to get me to pay the full amount of the original debt which they partially wrote off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DYNAMIC RECOVERY SERVICES, INC.
State: CA

Complaint narrative:
I was contacted by Dynamic Recover Solutions ( XXXX, SC ) about a debt from 2001 that I supposedly still had n't paid. I do n't have a debt outstanding from that time, plus it 's been XXXX years. They rattled off ALL of my personal information, including my SSN, address, current loans, phone number, etc. this is VERY scary. 

I told the person that I wanted to dispute the collection and they said I could " settle '' the collection for {$150.00}. The call ended and I decided to do some digging online about this company. Come to find out, they routinely contact people with fake outstanding balances, most of which stem from XXXX years ago. They press and press and press to get vital personal information turned over to them. 

When I arrived home, my wife had informed me that she had received a call from them too. XXXX minutes after my call. This is an obvious phishing scam, and I believe these people need to be stopped and prosecuted for fraud. It 's insane to me that there pages and pages of complaints and XXXX submissions, yet they are still calling people.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings
State: SC

Complaint narrative:
I obtained my credit report on XXXX/XXXX/2017 and noticed that I had a collection on my account from SpeedyCash. I called the company on XXXX/XXXX/2017 and advised that I did not have a loan from them and not sure how they got my information. I then proceeded to ask them to send me documentation with my signature showing I authorized this account. I was then sent a letter dated XXXX/XXXX/2017 stating that I failed to respond to a letter they sent previously and now the debt has been validated. I was never sent in letters stating that I allegedly had this debt and they failed to send documents with my signatures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent UNITED COLLECTION SERVICE INC. certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
My name is not on this loan since 2005 but still on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company continues to cause XXXX on my life by stating that I owe a debt to them from XXXX, I have paid this debt and have asked them to remove this from my credit profile and yet they refuse, I 've also requested that they stop all communication with me both verbal and mail and I 've continued to receive automated phone calls and letters after the fact, I 've sent my recorded phone calls and letters to my lawyer and if they refuse to fix this issue I WILL BE FILING A CLASS ACTION LAWSUIT AGAINST PORTFOLIO RECOVERY ASSOCIATES

Company response to consumer: Closed with explanation