vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XXXX XXXX, a solar company ( not in business anymore ) sponsored by XXXX Bank scam me into buying a solar panel for {$7900.00} when it was supposed to cost me close to {$4000.00}. Since I was not working at the time I never thought that XXXX will ever approve me with what they were promoting as a Home Project XXXX Card much less for {$3900.00}. To my surprise, I was approved not for the {$3900.00} that the project cost but for {$7900.00}. I called the solar company and I was inform to make the first payment, wait 30 days and that after that they will straight everything out. When I call them again after 30 days, they were out of business. XXXX was not help at all. They said I must pay the full loan or they will report me to the credit companies. They did. 
In XXXX XXXX I got a collector 's letter from XXXX XXXX XXXX XXXX, XXXX. They said I own {$10000.00}. I respond them to prove me that I own that money. They never respond me. 
In XXXX XXXX I got another collector 's letter for the same amount, this time from Resurgent Capital Service XXXX. I did ask them to prove me I own that money. They never responded. 
Since these collectors never responded, I did assume everything was Okay. 
Well, I am working now and want to start my own XXXX business and to my big surprise and disappointment, when checking my credit score it was in the low XXXX. The XXXX report from XXXX XXXX shows the XXXX loan shown as charged-off ( bad record ) but also shows a collection for {$10000.00} from a LVNV Funding LLC XXXX, collector company I never heard of, where it state that the originator is XXXX. To make matters worst, the loan has a date opened of XXXX XXXX, 2 years and 4 month after the XXXX loan was approved. 
I understand that it probably was my fault that I fell for the scam to begin with, but whatever I did wrong, I did it in good faith and with no intention to hurt anyone. These companies, XXXX and its accomplices, the collector blackmailers all they want is for me to pay for a wrongful loan generated by a corrupt bank or my credit history will be ruin, which already is. 
Now that I want to something good for myself and others, I found my hands are tight by a bunch of crooked XXXX scammers where my only option is to pay my ransom ( {$10000.00} ) or else. 
All this information is documented and should you see that you can help me, fact that I will very much in appreciation, please let me know so I can have some hope for my future. 
Very truly yours, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am extremely upset of the way Wells Fargo has handle my loan. I am not able to make monthly payments to them anymore. Therefore I have summited XXXX letters requesting a settlement, this loan was taken out over 10 years ago, and I just can not make any monthly payments. I am willing to work directly with Wells Fargo however I feel they are just prolonging my case. I do not want to file bankruptcy because I will damage the little credit I still have. But if Wells Fargo is refusing to work with me and they dont want to work on a settlement offer, I will be forced to do so. I called today to get an update with my assign specilist XXXX XXXX. However ; once again there is no new updates. I am tired of the excuses I been given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XXXX 2015 I went to Wells Fargo Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX ). I deposited my payroll check as usual. It was not until I went to a local store to make a purchase that I was told my debit card was declined. I called the customer service line for Wells Fargo to inquire about the issue and was told it would take 3-5 business days to resolve and was told my funds were deposited and withdrawn on the same day. It is important to note that I did not make a withdraw request only a deposit. This was on a Saturday which left me without any money until the next week. Well on XXXX/XXXX/15 I again went to the same Wells Fargo bank to deposit my payroll check and again the transaction made by teller was that of a deposit and withdraw again leaving me without access to my money. I am not sure why this continues to happen. I have called the customer department and spoke with XXXX XXXX but again was told it would take 3-5 business days to research problem. I also spoke with XXXX Customer Service Manager and was told she could not speak to me over the phone due to confidentiality, and suggested I come into the branch. This is not acceptable to me as I would need to take time off work which would cause hardship. I feel like I have no other recourse than to file a complaint. I have been a loyal customer for over 20 years. 

Please advise,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I received an anonymous call from someone claiming to be a process server. They called from a blocked number. They told me that I must call XXXX otherwise I would have to appear in court. I was afraid and I called the number. I spoke to XXXX and he told me that I would have to go to court if I did not make payment arrangements to pay a Wells Fargo debt. He took my debit card information and indicated that they would email me a letter that I must sign. After getting off of the phone with XXXX, I called my daughter and she suggested that we call them back to seek clarification because it appeared to be a scam. I gave XXXX permission to speak to my daughter and my daughter requested the case number for the legal complaint. XXXX directed us to his supervisor XXXX XXXX and XXXX XXXX became extremely rude when my daughter requested the case number and or law firm that filed the complaint. XXXX XXXX stated that he could not provide the case number because it is immediately removed from public records once I have entered into a payment agreement. What XXXX XXXX did next was extremely offensive and unprofessional. He pulled up information about my daughter and told her to stop pretending to be an lawyer and he knows that she only owns a food company. He mentioned the name of the food company and continued to berate my daughter. What XXXX XXXX did n't know, is that my daughter is an attorney in Florida and she was only attempting to assist me in verifying that the company was legitimate. I am requesting assistance with this company because it has cause me a lot of distress. They now have access to my account information and I 'm afraid that they have unlawfully debited my account without providing me verification.

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 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have achieved 80 % LTV on my primary residence base don the valuation at the time I purchased/financed it in 2010. My mortgage servicer, Wells Fargo, notified me as required by law, that I have options for dropping my PMI insurance. It is my desire to have my property re-appraised to demonstrate it has appreciated in value so I can immediately drop PMI. 

Unfortunately, despite having followed the directions provided in the letter to contact and schedule the appraisal with the " Wells Fargo PMI department. '' Despite numerous attempts, I have not been able to reach the PMI I have called Wells several times and each time they either claim that the PMI department is unavailable. On my last call about 2 weeks ago, they finally said they would notify the PMI department of my intentions and someone would call me back. 

I have not heard back from them. At this point I assume they are incompetent, indifferent or crooks trying to minimize their risk at my expense.

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 2016-10-27 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I filed Chapter XXXX bankruptcy in XXXX 2010. My credits were notified electronicaly on XXXX XXXX 2010. Wells Fargo entered a illegal lien on my property on XXXX XXXX 2010, through XXXX XXXX XXXX. This account was discharged in XXXX 2010, but the lien remains against my property.

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 2016-09-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I do not recognize this account on my Credit Report. Please see the attached letter.

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 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was an XXXX for a company and 17 months after starting with them. They ran a credit report on me without telling me an without my authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On many occasions Navy Federal Credit Union has mailed threatening letter to my personal mailing address to contact my leadership and removed funds from my saving and checking account to pay delinquent credit card debit with my personal authorization. They have also locked me out my online banking account also access to my on check and debit card for days and even weeks at times using that to force me to pay delinquent charges on a credit with money I personally did n't have to advocate to that debt at the time. I have been told these are not correct practices of a financial institution by my legal counselor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Also attached, please find mortgage invoices. Please note the alleged difference in interest rates, yet the monthly obligation remains unchanged as of this date. However, according to bank representatives, the rate was supposed to have been lowered several months ago after I completed the entire mortgage process and was awaiting closing, I was told that I did not qualify for a XXXX loan because my loan was a home equity, and not home mortgage. ( Please see attached email ) As you will note, nothing on my mortgage documents state that it is a home equity ( as I 've been told many times by mortgage representatives and stated on invoices ), but it clearly states home mortgage. Written notification of denial was not received until approximately 3 months after loan application was completed and complaint was filed with CFPD ( credit score in 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 2015-03-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Good Morning, My issue is with Wells Fargo and their failure to honor the principle reduction I was promised by one of their representatives ( XXXX XXXX ) in a modification agreement. I completed the modification plan we agreed to and now they will not honor their end of the agreement, principle reduction of my mortgage. I am seeking help with this situation and an investigation into Wells Fargo to see if other clients have had this issue also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I purchased my first home in XXXX XXXX. Our Wells Fargo loan officer provided us with home owner 's insurance through Minnesota XXXX at the time of the purchase. In XXXX my XXXX income household went to XXXX income and in XXXX I qualified for a XXXX modification. My original loan interest rate was 6.1 %. The XXXX reduced the interest rate to 2 % for five years, and after that five years my interest rate would rise 1 % until it went back to the original 6.1 %. My interest rate began climbing in XXXX. I was again having trouble making mortgage payments and talked to Wells Fargo repeatedly about a refinance or another modification. It was n't until I contacted another lender, that I was made aware that my home owner 's insurance was {$5100.00} a year adding {$420.00} to my monthly mortgage bill. I originally paid {$250000.00} for a XXXX square foot split level on less than half an acre. I have since cancelled the policy with Minnesota XXXX and am now with XXXX paying {$1300.00} a year for insurance. Why was I being charged such a high amount for my home owner 's insurance? I am a first time home owner and had no idea that was almost four times the amount I should have been paying. Why did n't any of the loan officers at Wells Fargo catch this during XXXX of my many many phone calls? My house is now worth {$240000.00} and at this time I owe {$180000.00}. I 'm guessing it was not in Wells Fargo 's best interest for me to keep my home as there was almost {$55000.00} in equity for them if I was unable to keep making payments and foreclose. I spoke with a real estate agent about selling my home, but for me to make any money, my home would need quite a few repairs and updates. I have been at a loss for the last year. I have spoken with Wells Fargo XXXX last time to try and resolve this issue and understand why no one caught my criminally high insurance premiums. I started my phone call with the Customer Service department and was transferred to the refinance department. XXXX, the representative I spoke with was unable to even look at my loan and she transferred me to the main menu which was unable to process my call and hung up on me. When I called the main number again, I got a message that due to high call rates I would be on hold for a very long time and I should call back. I have hit brick walls at every turn when I 've tried to work with Wells Fargo to keep my home.

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 2016-11-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
My ex-husband and I had a mortgage through Wells Fargo Bank for our personal residence when we were still married. We finalized our divorce in XXXX and the divorce decree states that my ex-husband was awarded our home, " ... including all debt attached thereto ''. I signed a Quitclaim Deed on XXXX/XXXX/XXXX releasing my interest in the home to him. I understood from him at that time that he was refinancing the mortgage. However, I have recently discovered that he did not refinance the mortgage. In addition, he failed to make mortgage payments for an extended period of time and as of late XXXX had become over {$42000.00} delinquent in payments. Wells Fargo had begun foreclosure proceedings. In XXXX, XXXX, Wells Fargo allowed him to make a " loan modification ''. That " modification '' actually rolled all delinquent funds into the loan, changed it from a 30 year fixed rate loan to an ARM, and extended the terms of the loan by 10 years. All this was done without my knowledge or signature, yet Wells Fargo kept my name on the loan as a co-signer. I filed a complaint with Wells Fargo and was unable to resolve the issue. My credit has been significantly damaged by the delinquency of my ex-husband. This all happened after our divorce even though the divorce decree released me of all financial responsibility for the home mortgage. In answer to my complaint with Wells Fargo, they have provided me a written response saying that they will not remove my name from the " modified '' loan, and claim that the only way for this to occur is for my ex-husband to refinance the loan. Even if he were willing to do this, that would not clear my credit report of the {$42000.00} of delinquent mortgage payments that were the sole responsibility of my ex-husband. I am confident that Wells Fargo did not act appropriately in allowing my name to remain on the loan after being made aware that we were divorced, and especially in allowing a very significant " modification '' of the loan without my knowledge or consent. I can provide any documents needed.

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 2015-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
i was a victim of scam which many times i have addressed issue to cfpb regarding both XXXX XXXX XXXX and wells fargo bank who refuse to cooperate to recover my loss the loss i suffered and still not willing to cooperate to resolve issue matter of my scam and my recovery of loss i suffered through the scam i suffered.

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: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX with Wells Fargo is deliberitly delaying the refinancing of our loan. She indicated to me that I would be put in touch with a loan supervisor two weeks ago and I never received a call. When I called her today she stated she forgot.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Please see the attached statements and support. 

I am formally filing a complaint regarding the XXXX from XX/XX/XXXX. This promotion stated that purchases up to {$10000.00} would be paid back at 10 % for each eligible card. I did not receive credit for these properly for either of my credit cards. Accounts ending in XXXX and XXXX were not credited properly. I have tired numerous times to get the proper credit but the reps said my purchases included gift cards and not eligible. The terms with gift cards were not in the original terms gift cards were not excluded from this promotion and the purchases were made before the terms changed. As per the attached statements, account XXXX was only credited {$200.00} but I made over {$10000.00} in purchases so I am owed an additional {$790.00} on this account per the original terms. 
I opened an additional card account ending in XXXX and according to the statements provided I did not receive any XXXX rewards even though I made the necessary {$10000.00} in purchases using XXXX so I am owed {$1000.00} in rewards related to this promo. In addition, this account was new so it qualified for an additional promo where all purchase cash back would be doubled for a year, so this {$1000.00} credit should be doubled to {$2000.00}. 
This was a very poorly run promotion, and extremely disappointed Discover tried to change the terms after my purchases were made and would not pay out my rightfully earned rewards per the original terms. After Discover refused to pay out my earned rewards, I have begun to think negatively of this company and do n't use the cards as much as others. Please pay my {$2700.00} in rewards for customer satisfaction, as I have been long term holder of a Discover Credit Card since XX/XX/XXXX. Please contact me at XXXX with any questions. I have had other friends that have gotten their cash back and I hope you will consider this complaint seriously so Discover Card will be my card of choice in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
While reviewing XXXX that a collection notice was placed on my report. I attempted to contactTJX XXXX arguing that I dispute the validity of the debt without success. I personally contacted XXXX, disputing the validity of the debt. I requested that they provide me with an original signed contract of obligation with the TJX as a matter of law and XXXX has failed to do so but insist on continuing collection action that a s a direct result of ID THEFT and knowingly with intent to cause me economic harm placed collection status on my credit report making it very difficult to secure a meaningful job and obtain new credits. 
Upon belief and Information, this debt is/was as a direct result of ID THEFT, therefore, I`m not to be liable for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
on XXXX XXXX i had a XXXX and been put on long term XXXX.havent been able to work since then.have repeardly told walmart and synchrony bank i am on hardahip and not to call. they constantly call and block thier nemer and are very rude and use bank names i dont deal with they say its personal and the mlae that calls refuses to give his name i tell them not to call and explain why they dont listen or care they will geet a payment when i can this all started when i was a month late with them

Company response to consumer: Closed with non-monetary relief