vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
Springleaf is reporting a loan on my credit report with inaccurate information. They are reporting a high credit of {$3700.00} on XXXX and XXXX while XXXX is reporting a high credit of {$4100.00}. 

How can a different amount be reported to each of the credit bureaus? 

Also the last reported date is different on all XXXX. 

XXXX for XXXX, XXXX for XXXX and XXXX for XXXX. 

So that means everytime I submitted a dispute to the credit bureaus, a real investigation was n't done and they would just verify the account. 

How can you verify an inaccurate account and not change the last reported date? 

The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
In addition to contacting me, they are looking up phone numbers of relatives and people with the same last name as me. People whose numbers I would never give out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am requesting that this claim be removed from my credit report. 
The creditor 's claim was made on XXXX 2010 ( over 6 years ago ) and I never received documentation on this claim. I have XXXX debt collection agencies requiring payment for the same claim originally sold to them by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued National Credit Systems seeking documentation on the claim. These are the steps I have taken with National Credit Systems : 1. I have never received any documentation on the claim from National Credit Systems, they are required to send me documentation of the details of the claim made. 
2. I called National Credit System 's home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was ever sent to me. 
3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me. 
4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation or claim XXXX or to remove the claim from my report. No documentation was sent to me. 
5. I contacted National Credit Systems over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me. 

The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies. 
The original claim made by XXXX XXXX was erroneous and National Credit Systems was required to send me documentation of this claim and never did so. Please remove this claim from my report. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Professional Recovery Management
State: TN

Complaint narrative:
I have repeatedly advise her I was not able to be contacted at my work place however has continued to call.

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 2016-06-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
Calls constantly. Shows up at my house unannounced & beats on my door

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear CFPB, I feel I am a victim of sub prime predatory lending. Back in XX/XX/XXXX, I was approved to receive a loan from Wells Fargo through an independent mortgage broker. Because it was Wells Fargo, I thought it was all ok. At the time I had XXXX % down and I believe that is where their focus was to receive the cash. I should not have been approved for a loan. The mortgage amount was not something I could afford afterwards so I applied for a loan mod. My mortgage dropped from over $ XXXX/month to $ XXXX/month back in XX/XX/XXXX through a loan mod. XX/XX/XXXX, I received a letter stating my mortgage was going to be raised and it ended up becoming almost {$1900.00} and they also stated that my interest rate was being raised from 4.5 % to 6.5 %. I had been paying my payments on time the whole time until this happened. I found out my loan was an interest only loan with and ARM ( adjustable rate ). Since about XX/XX/XXXX, I could n't pay my payments in full and they wo n't accept partial payments. I tried for loan mods over and over and they kept saying the investor on my loan will not allow another loan mod. Now there 's an onvestor on my loan?! When did they come into the picture because I pay my payments to Wells Fargo?? So I come to find out that XXXX is now the investor behind my loan and my mortgage is a mortgage backed security. At no time, had I signed any contract with XXXX. I believe Wells fargo sold my loan to this investor without my knowledge and when I ask them who the investor is on my loan they say there is n't one. But now there 's a notice of default filed on my home by HSBC! I do not have a contract with them. This does n't make any sense. I really believe that Wells Fargo needs to refinance my loan to today 's standards since they are in the wrong from the beginning. I have been spending most of my time on trying to figure this out for a year and a half now. This is very frustrating but I am learning a lot from this. I wish there was someone who could help me. Now Wells Fargo is in the process of processing another loan mod request while there is a notice of default on my home. I do not see how the outcome could be any different if the investor has the last say. This is the only home my kids have known and I would really appreciate my payments going back to {$1200.00} per month like they were. Thank you for any help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo denied my loan modification stating they would have to forgive {$15000.00} in order to accomplish modification. However, they can not explain why they are adding that amount to my loan. I owe approx. $ XXXX on the loan but they claim I actually owe $ XXXX which is incorrect. My single point of contact at Wells can not tell me where that $ XXXX amount is coming from, and it does not appear on my mortgage statements and never has. When I visited a Wells Fargo branch over the weekend on XXXX/XXXX/16, the representatives there could not explain why Wells claims I owe $ XXXX when I actually only owe $ XXXX and they were looking at my mortgage account as we discussed. I told them that the $ XXXX amount was stated in the npv results in loan modification denial as my capitalized unpaid principal balance amount but they could find nothing in my account to support that number. They also did not know who I could ask at Wells to find out more information because I told them I already asked my single point of contact and she could not answer where that $ XXXX was coming from. In fact, I do n't owe $ XXXX. I believe Wells is mistaken or just purposely seeking to add $ XXXX to my loan balance to make up a reason to deny for a HAMP modification. This is especially time sensitive because HAMP is ending at the XX/XX/2016. I am asking you to demand that Wells provide all proof that the total debt on my loan is {$600000.00}, I have a good faith belief there is no proof and it 's merely a tactic to deny loan 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 2015-10-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
They keep harrasing me at work, going XXXX to XXXX times a day, when they see im really busy with my customers. 
They will disclose my personal information in front of my customers and also blow up my phone at work. 
I already told them that i am going through a tough situation, i will pay once i settle down. Right now i have no money and my debt is only like XXXX dollarsThey threatened to call my supervisor from corporate and disclose my personal information with them. 
I have called the cops on them, so they can stop going to my job

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I brought a House in VA, I was paying on time and paying a little extra! My spouse and myself got reassigned to another duty station. We work for dod, I was still trying to pay the Mortage and rent. We put the house up for sale first buyer did n't work out problems. I was still paying, I then began to max out my credit card, could n't pay so I went to someone to help me and we put the house up for quick sale, had a buyer and Wells Fargo was taking so long in doing anything the people pulled out! We did n't get another buyer for about 6 or 8 months it was quite awhile. Now we have a buyer again and again Wells Fargo is still giving us problems. The buyers have even gone up on their offer! Wells Fargo keep asking for the same paper work staying they ca n't read it, it 's to blurred some reason to just get putting us off! Then I get another person from Wells Fargo to work on my property that seems not to know what they are doing or how to do a job with the quick sale. When you on my end it would seem that Wells Fargo want this property to go into foreclosure and have set the date for XXXX XXXX, when in fact a year or so ago it would not have gotten to this point the house would have been sold. The person that 's working on this house on my behalf have been calling them every other day or every two days to find out where the process is and what is taking so long. She is been told it 's at this desk and that desk should be hearing something and then nothing. I have send every paper work they asked for and twice some time! Have mad the home accessible, It 's like they let paperwork expire and they need it again, I have even put so much more in this house to ensure that its fixed correctly, this house has cause me a hard ship and it should n't have due to it could have been sold a year ago. To me it seems that Wells Fargo is the one that is holding up this progress and causing us to loose the buyers for this short sale because the buyers are not wanting to wait, as if they want the foreclosure it to take place! Instead of trying to help, they to are causing a hardship causing stress causing sleepless night and tears for not helping the seller!

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 2015-10-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I could not believe in what I seen for Wells Fargo. They really just take action to help homeowner. We are struggling to deal with them with all their expectation and nightmare for modification. My agent has submitted a lot of documents with PROOF fax went through. Wells Fargo called me and said they need same thing again and again and sale date will not remove and underwriter was not reviewed the file. When my agent told them she faxed and went through the representative from Wells Fargo is being mean to her and said " Fax again till we receive it ''. How come they can treat us as hardship homeowner and being unfair treat to us for dealing with loan modification. We are about to divorce but now because of the house we want to keep it and work out some options. However, Wells Fargo has practiced some unfair thing following : - I have XXXX and they asked XXXX account number and transaction information. It would violate invasion privacy since they just share the room and we cant ask them to provide such as bank account information. We sent them XXXX XXXX XXXX car payment with our address on it but they do n't consider that. They want full bank statement with account on it. 
- They asked us to fax over the documents but they did not response and told us they did not get it. 
- Discrimination of marital statusAs the homeowner, we believe we have the protection under certain law and regulation. I have sent them all documents they need but they never kept their tracking of documents and asked over and over. Per California law of Dual Track, they cant foreclose the house while we are requesting them to review loan modification. They did not give us a fair review and send file to underwriter except making us headache with foreclosure sale and documents require. If it is reasonable documents, we can satisfy but they diged to detail in relationship and tenant information which we believe that it is not right. We need somebody who account manager, can follow the regulation from California Bill and give us a fair review for loan modification

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank is charging me {$190.00} a month for PMI to insure they get paid. I pay the premiums. I asked to get it waived and they said I need to get an appraisel to see if the value is high enough. Surprise! The appraiser must be theirs and it costs another {$360.00}. It 's their appraiser and not an independent one that I could shop for. Unethical!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XXXX XXXX at XXXX XXXX. I received a phone call from XXXX, which is one of the phone numbers that Well Fargo National Bank uses to call me about a debt. I answered the phone and said " Hello ''. The girl on the other end said " Hello? '' I said Hello, thinking maybe she could not hear me. Then she said, " Hello?, Hello?, Hello? '' and hung up the phone. 

The collectors from Wells Fargo call me every day, until I answer the phone, for that week. Then the next week, the cycle starts, again. 

I am working with a Credit Counseling Service to resolve my debt issues. Wells Fargo National Bank refuses the offers made to them by the Credit Counseling Service. Yet, they still accept the money that the Service sends to them, and they still call me every week to ask the same old questions - Can we do a check by mail to bring the account current? How did you get in this situation? 

When I respond that they are getting money thru the Credit Counselors, they respond that they have refused the offer. I remind them that they are accepting the money and tell them that that is the best that I can do. 

Wells Fargo sends me Settlement Letters stating that they are willing to settle for 60 % of the balance. But, at the end of the letter, they state that they will turn the information over to the IRS and that I may be liable for additional taxes. 

I am tired of the endless phone calls, the letters, their refusal to work with the Counseling Service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I mistakenly electronically paid my Wells Fargo credit card instead of my Wells Fargo Mortgage. I realized my mistake and called the credit card people and they assured me they could and would transfer those funds to Mortgage. Countless calls, many assurances that it has been fixedand I am receiving collection calls. I have invested about XXXX hours on hold and still ca n't get this fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I recently linked my Wells Fargo account to my XXXX account and then had a transaction that I did n't not have enough funds for in my XXXX account get submitted as an instant payment from my Wells Fargo account. I had no idea that adding my Bank account to my XXXX would automatically set the Bank account as a backup funding source for my XXXX account and so Wells Fargo then Charged me XXXX non-sufficient funds fees in the amount of XXXX $ and the original transactions that they never even paid were for a XXXX $ trasaction and abother for A XXXX $ TRANSACTION. I called and spoke to XXXX and they sent me a letter to send over to wells fargo explaining the situation to hopefully have the NSF fees removed off the account but Wells Fargo would n't accept the email I tried to send to them and would n't even speak to me about the fee 's over the phone at all so I now already paid the transactions that I did n't even know were going to be charged to my bank and now have a XXXX $ bill for Wells Fargo because they choose to charge me XXXX $ for less than a XXXX $ transaction that they never even paid is there any way to fight this I still have the email letter from XXXX regarding the incident as well if that helps at all! Please let me know thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have been the Victim of fraudulent activity. There is an unauthorized installment loan in my name from Wells Fargo that i 've contested for almost 3 years now. I have been forced to make payments on a loan i did n't sign for or take out, in order to preserve my credit. Now that Wells Fargo has been officially caught with this act of opening accounts in people 's name, i 'm looking for full restitution of the amount i 've paid and the installment loan removed from my credit report.

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 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have been requesting a loan modification from Wells Fargo in reference to our consumer. He is XXXX year old man working as an attorney and need to find a solution for him to stay in there home. We have submitted all require documents to Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Well Fargo 's system displayed incorrect account information causing overdraft fees, that I am not responsible for, due Well Fargo system error. On XXXX/XXXX/2015 my bank account was charged a total of XXXX overdraft fees from Wells Fargo. This is not possible due to the fact that i had money in my account prior to any purchases made. I called customer service and they told me that it was a system error, but unfortunately they can not reverse the charges. This is unacceptable, I should not be forced to pay overdraft fees when I did not overdraft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
In 2005 My wife XXXX & Myself were forced to file chap.XXXX Bank Ruptcy we did not include the mortg held by Wells Fargo Mortg . co. wells Fargo was presented a letter of intentions to keep the property, complete the payments. they were instructed to sign this letter, & return it to the court within fourteen days they chose to ignore the letter. their actions have prevented us from being able to qualify for refinance through the Obama Harp progs. It took me years to find out why. I then contacted Wells Fargo They admitted to their mistake however they stated that it was too late because any actions had to be completed within that fourteen day period I just today found out how to contact you. My wish is to make corrections so we will be able to refinace under the rules, & regs. of the Harp progs. The reason for this cond. is that the Real Estate market collapsed in our area by XXXX %. It is slowly recovering but not enough to allow us to refinance under standard conds. to qualify for the Harp Progs is our only hope. Wells Fargo 's actions, or lack of actions has already cost us thousands of Dollars We still have 19 years left on this mortg.which is at 7.5 % int. any help you can offer will be a big blessing Thank you

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