vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX  My Mortgage was refinanced by Wells Fargo Home Mortgage five years ago.
XXXX.  I make my payments at the bank branch which was opened close to my home.
XXXX  The bank receives the payment but sometimes the payments are not applied immediately to my mortgage account.  
XXXX  My bank on which my check is drawn pays Wells Fargo Home Mortgage the check on the same day that it is presented.
XXXX  Although the Mortgage Note states that I can pay by the XXXX of the month without incurring late charges, I have multiple late charges posted to my account;  even though I have made only XXXX late payment.
 XXXX.  One month I could not make payment at the regular scheduled time.  Payment was made XXXX of that month.
XXXX  I have asked Wells Fargo Home Mortgage to waive the late charges that were caused due to their banking system's posting of my payments.
XXXX.  I have through several telephone calls requested that the late fees be waived.
I want to also state that the paper on which Wells Fargo Bank prints its receipt for payments received is either light or heat sensitive because after time has elapsed, the ink fades.  This affects how the customer can validate the statement which shows the bank being in receipt of the funds, but said funds not posted to the mortgage account.  Hence incurring late fees unnecessarily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have Wells Fargo as the mortgage company, they sold my home and did n't give me a fair review. I had tried working with them and nothing happened. I opened a complaint with Wells Fargo and XXXX XXXX was helpful but the proof that was provided from their end shows the part of the mistakes they did. I always provided them a full packet and all the documents necessary for them to review my loan. I am attaching that information with my complaint. They said they did nothing wrong but several times I got denied for not having enough income and in a letter that Wells Fargo provided as proof it clearly said that they verified my income to be {$0.00}, how could this be? when they had my taxes and my paystubs. They did this to me several times, and that I had a {$300.00} surplus. Of course I wont get qualified for anything if they verify my income to be {$0.00}. This is very upsetting and they took my home. I submitted a response to plaintiffs motion to confirm sale and I will provide all this proof, I need them to be investigated I had also filed bankruptcy before the sale date time, and I received a call from a Wells Fargo representative asking about the bankruptcy. The man informed me that I didnt have to file bankruptcy that Wells Fargo would assist me. After that call Wells Fargo informed me that there was no stay and that my home had sold, but with the court house I had confirmed that there was a stay, they informed me that the automatic stay takes effect once the documents are through and they give me a sheet with the case number and the time I need to go back for the meeting with the creditors. I need help there are many homeowners going through the same situation as I am. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My Interest Rate is 21.15 % which is 3.25 % + 18 %. This is a ridiculous rate! Wells Fargo was unable to tell me how this interest was determined. They could not tell me if my Credit score was an issue, financial position, etc. I believe that this is illegal and a company should always be a in a position to explain how it determines its fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I fell behind on my mortgage by XXXX payments last year and into this. Late last month I called Wells Fargo and agreed to make XXXX payments in bulk, which they accepted. At the time, Wells Fargo wanted to schedule automatic debits to cover XXXX, 2015 and XXXX, 2015 to which I agreed. However, Wells Fargo does not have my bank in their XXXX database and therefore lacks the system functionality to schedule those debits. To which I agreed to make the remaining payments through my online bill pay by XXXX XXXX, 2015 as demanded. 
However, since that time I have been called XXXX daily by Wells Fargo Collections demanding that I schedule automatic debits to bring the loan current. I have explained to the callers at least XXXX times the agreement I have with them to bring the payments current. I have also explained to these callers Wells Fargo lacks the capability to execute the transactions through their own system limitations. Their regular suggestion that I am lying about my intentions is insulting. 
I want to bring my payments current and have done everything in my power to do so. The loan will be current by XXXX/XXXX/15 as promised. And I do appreciate the consideration I have received relative to bringing the account current. But I do n't think I should be subjected to harrasing phone calls because Wells Fargo lacks the capability to do what they are demanding I submit to, and that they can not communicate with themselves. All they need to do is listen to the records of my calls with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Auto has an account listed on my credit report with payment status of unknown.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I was offered a no interest account for the purchase of a new heating system by Wells Fargo home projects 2 years ago. I had a lump sum payment due last month that is listed on page XXXX of the statement. Instead of including the payment due in the payment information on the front of the statement they added a small box with the words Special Terms Expiration which did not include any amounts due and of course I did not see. When they calculated the minimum payment they conveniently assumed that I would not pay the lump sum, which resulted in the minimum payment on the front of the statement never changing, again to ensure that the statement would look identical to all of the previous statements. By doing this they managed to sneak the statement past me so they could charge me {$5900.00} in interest on the initial purchase price. When I complained about this practice they offered me a 25 % refund of the interest in the amount of {$1400.00} if I paid of the entire amount in the next 3 days of {$9900.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I filed for bankruptcy on XXXX/XXXX/2016. Netcredit was included. The bankruptcy was discharged on XXXX/XXXX/2016. I have received multiple calls from them and XXXX emails this week. I called and was told they do not have my bankruptcy info. ( They have not contacted me since the original notification in XXXX ). I gave them the info and was told they would " look into it '' but that collection activity will continue. I was told by XXXX of the callers that they were not under any obligation to " honor '' the request from the court and that I needed to pay this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We have requested that Wells Fargo provide a lien release for a deed that has never be used and has a XXXX balance. Wells has closed the account because the account holder has died, and the Estate is trying to sell the property by Friday XXXX/XXXX/16. We have tried in vain to get Wells to provide the lien release document XX/XX/XXXX, we really need this document by XXXX/XXXX/16, we have extended the closing several times, and we are now facing the loss of this sale without that document. 
Please help with securing this lien release document from Wells, we are at our wits end and beyond 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 2017-01-06 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
They called my cell phone XXXX XX/XX/2016, looking for someone else. I pay per minute. I had to call them back, muddle through a computerized recording, and ask them to stop calling because it is a work phone. They promised to stop calling but did not. I received another call XX/XX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I 've tried numerous times to obtain my trans Union credit report and keep getting returned to the same page to re-click the continue button. I Received my report, but when I attempt to dispute information, I am given the run around and not allowed to access the dispute site. also, the Items I 've been disputing have been disputed before because they were part of my husbands bankruptcy and discharged under case XXXX XXXX.7 by United States Bankruptcy Court Judge XXXX XXXX XXXX XXXX And the creditors have failed to aknowledge the discharge order, dispite sending them numerous letters and disputing on the trans union site. I live in a co-debtor state and all of the debts in question were incurred while married. Yet, all attempts to rectify the situation have failed. My husbands lawyer only says keep mailing or file bankruptcy yourself. That some creditors will not recognize the bankruptcy as far as co-debt and the only way to get them to stop is to file bankruptcy myself. I should n't have to and do n't want to do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services
State: TX

Complaint narrative:
He called and he started threatening me. He asked why I had n't paid for it since may when I said I did n't work and he called me a XXXX. He started saying that I was never going to have credit and that as a XXXX XXXX XXXX I cant even keep a bill that I was supposed to pay and that he could do it his self. He started calling me a bum and disrespecting me which is n't right never gave me the opportunity to say if I wanted to take care of it. I informed him that I do work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I had wired funds to my step brother in XXXX.I had used wire services of Citizen bank.As of today XX/XX/XXXX, 6 weeks later the funds has not been received.I had talked to various people at their wire department since XXXX have been getting conflicting answers from them at the very least and some of them were just plain rude.The XXXX people I talked to most are XXXX XXXX and XXXX ' ( who did not want to give me her last name ) .I had requested them for an identifying number so that recipient bank can trace the money.But all XXXX said was'XXXX ( intermediary bank ) told my brother to get into the recipient bank branch and CLAIM HIS MONEY '.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
ENHANCED RECOVERY COMPANY has re-reported a debt on my CB as a new collection item. This item has been removed several times - XXXX Bill. It is now being reported with XXXX

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 2015-07-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: GA

Complaint narrative:
I have a XXXX bill currently in dispute. I filed a complaint with the FCC over their fraudulent billing practices - they had me on a plan that was supposed to last a year, but they dropped me off the plan at 6 months, and then when I called to complain, they fixed the bill. But the next month they overcharged me. And I called to complain. So they fixed the bill. And then the next month they overcharged me again. So they fixed the bill, but I dropped the service. 

So I paid off the bill online - or so I thought. Because that last bill that they said they were going to fix - well, they did n't fix it. I dropped the service immediately after the said they were going to fix it, and instead of actually fixing it, they just left it at the wrong price. So I paid off the bill ( I do e-billing, so I never got a paper bill ) - but, oh, I paid too little. Because they did n't fix the amount like they were supposed to. 

Fast forward to today. 

ERC has never called me. They have never sent me a notice. They have repeatedly called my XXXXyear-old father and XXXX-year-old mother, who live two hours away and have never had anything to do with my account or with XXXX. My telephone number - which I have had since 2008 - was on file with XXXX, and I have never received a telephone call from ERC. NOT ONCE. 

I called ERC, and they told me that I owe XXXX {$44.00}. I had a discussion with them that the debt was submitted to them fraudulently, and they said they could send it into dispute. But I had already filed a complaint with the FCC over their billing. And it 's still " under investigation. '' Probably because XXXX 's poor customer service and billing procedures are so shoddy that it 's legendary. There 's probably a whole department at the FCC that JUST DEALS WITH XXXX COMPLAINTS. 

So, I talked about it with the rep some more. She explained the processes and essentially, if XXXX does n't remove the debt from their rolls, they 'll keep calling XXXX my parents, apparently, despite their number never having ever been on anything XXXX related, and despite the fact that I 've had this same cell phone number since 2008 ) and trying to collect the debt. 

So I said, " That 's just more trouble than it 's worth. I 'll just pay the amount. '' And she said, " Okay, there 'll be a {$15.00} convenience fee for paying your bill over the phone. " Very long story short, ERC has been:1. Harassing people who have NOTHING TO DO WITH THIS ACCOUNT2. Charging people an exorbitant fee to pay their bill. 

Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
HEALTHCARE COLLECTIONS L XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Has XXXX collections against me for services provided by XXXX XXXX. 
1-XX/XX/XXXX for {$120.00} 2-XX/XX/XXXX for {$3700.00} Both charges were not to bill me but directly bill XXXX XXXX My insurance was in place from XXXX to XXXX XXXX XXXX. 
The hospital failed to file in a timely manner and are now sending to collections.

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 2016-08-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
I took a loan with Big Picture Loans back in XXXX XXXX for {$400.00}. I have had multiple payday loans before, but I never remember being charged this much interest. However, I went back and looked at the interest rate and notice that it was XXXX %. On this {$400.00} loan, I will end up paying over {$2000.00}. I will not be done paying them back until XXXX XXXX. As of today. I have paid them {$700.00}. I have been able to skip 2 payments. I called them when my last payment was due and ask them if I could make some other type of payment arrangements, because I could afford to pay the payment. They then offered to let me skip a payment for the last time. I have read some of your comments to only find out they are not even licenses to do this. I do n't know what to do because, they have my information and do not want them to call me at work. I also read that you were able to send them a letter and they settle with the customer and will not be able to loan with them again. I would be perfectly fine with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
All of sudden, I received an ATM card from Citizens Bank on XXXX XXXX, 2016 and then another letter following day that welcomes me for opening an account with them ( which I HAVE NEVER DONE ) and asking for my signature. So I called the XXXX XXXX XXXX ( found on letter ). I told the Citizens Bank customer service how I have never opened an account with them and requested closing the account immediately but I was told I need to provide my social security number or somehow go to their branch somewhere in XXXX to get any help. Either that, just cut the ATM card. How that solves any problem knowing that an account is opened under my name without my knowledge and permission? I believe my 2 phone conversations with them is recorded. Prior to this, I have never even heard of Citizens Bank. I read online this is a very common phishing practice to acquire new customers. It 's very disturbing and worrisome. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 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:
I am in the middle of a refi and there is a collection on my credit that is not mine. XXXX is the original creditor and they have given me a letter confirming this is not my debt ( I am actually a current customer of XXXX in good standing ) I contacted the collection company ERC and they refuse to give me anything in writing confirming that they will remove the negative reporting. I need a letter from them so that I can continue the refinance of my home loan as this is affecting the rate I can qualify for.

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 2015-11-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
My mother and I closed on the home in XXXX XXXX, during this time we were told by the loan officer that the mortgage payment included property taxes and insurance. Our monthly payment was XXXX. Six months later we received a notice to for payment due for the taxes. After corresponding with the realtor and loan officer, we were told that we would not have been financially eligible to afford the additional payments with the loan. We were advised to refinance after residing in the home for a year to receive lower payments. The loan officer asked me to contact her the following XXXX, in which I followed through. I left XXXX voice-mails and never received a return call. My mother and refinanced with another lender as a result. My mother died in XXXX. I was able to continue making payments with the support of family members. In XXXX, I applied for and was granted an Home Loan Modification. I was employed as a XXXX XXXX XXXX from XXXX until XXXX XXXX when my business closed due to lack of enrollments. As of XXXX XXXX, I am gainfully employment, however ; my home is now in foreclosure status. The initial home loan had high interest rate. My mother and I were misguided with the information we received from the involved parties during closing. The refinanced loan also has a high interest rate ; we accepted this loan because we felt we had no other recourse than to move out of the home. Although payments were made up until my unemployment, there remains a large portion due for the first loan. I asking that CFPB would review my loans and find a possible resolution for the balance of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: IA

Complaint narrative:
I was contacted by ERC ( representing XXXX ). They told me that i owed them money, and since I do have collections on my credit report that I am currently making payments on, I agreed to a set of terms they laid out. After I got home, I checked my credit report and my debt with ERC had already been settled and the collection was disputed on my XXXX credit report and removed on XX/XX/2016. I called them back and they informed me that they would forward the information to XXXX and I would not be charged. I was in fact still charged on XX/XX/XXXX in the amount of {$110.00} that shows it was charged by XXXX. I have made two attempts to contact XXXX and have not been successful in resolving the issue. The financial department had me on hold for 30 minutes during my lunch hour, and I 've sent an email that I have not gotten a response to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed