vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
call came in XXXX from Wells Fargo at XXXX XXXX from the number XXXX. Received another same day same company with same number at XXXX XXXX. Another with all same information above but at XXXX XXXX. Another at XXXX XXXX. The next day XXXX all same info but time is XXXX XXXX. Another came at XXXX XXXX. Another at XXXX XXXX. Another at XXXX XXXX. On XXXX all same info but time is XXXX XXXX another at XXXX. I have tried to call and only get a recording stating they are trying to collect a debt. I do not have a loan with them or owe money to them because I have never dealt with them. I have registered this number with Do No Call and am still getting this calls from this time. I am cooking things for XXXX and do not like to be interrupted throughout the day while trying to get some cooking done. Also do not appreciate running to the phone thinking it is a call I want only to be Wells Fargo once again. They have called before XXXX XXXX and after XXXX XXXX but do not have those records. Please help me this has to stop. I have not received anything in the mail from Wells Fargo either. Please help me make this stop. It is on going day after day after day after day after day for 1 1/2 year now.

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 2017-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
This " XXXX XXXX XXXX '', aka " ERC '' of XXXX, FL., a predatory collection agency, continues to report false information about a debt that I was never liable for, for XXXX XXXX XXXX XXXX 

" ERC '' claims the debt originates to XX/XX/XXXX, for {$130.00}. They have been informed repeatedly that I NEVER had an account of ANY type with XXXX beforeXX/XX/XXXX ( when I signed up for cellular phone service after having been with XXXX before then ). 

" ERC '' continues to report the debt ( but paid ) as " valid '', as recently as XX/XX/XXXX without providing ANY verifying documentation as to the validity of the debt. " ERC '' 's only action has been to claim the debt is accurate and to report such to the 3B 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested a Reinstatement Demand from my lender Fay Servicing so that I can reinstate my loan to avoid foreclosure. They stated it would take about 5-7 business days to receive the reinstatement in writing. Then I call back today only to be told the request never got put in and they will be putting it in today. This is really hurting me because I plan to take the funds out of my retirement and the only way they can release the funds is to have the reinstatement figures in writing. Now I am facing a foreclosure sale on XX/XX/XXXX and Fay is jeopardizing the loss of my home! They do not understand that this is all a process and I am doing my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My company changed our regular pady from Thursday XXXX to Wednesday XXXX. I have confirmed with my company they they submitted direct deposits on XXXX/XXXX/17 to allow for this change. My direct deposit is split between a credit union checking account and my pre-paid card. My credit union deposit hit the night before like it normally does and balance made available. However the pre-paid card deposit did not hit the night before like it normally did. I called the pre-paid card customer service at XXXX MT to see what the problem was. I was told to give it until XXXX " east coast time ''. I did so, and at XXXX checked my balance, no funds so I call back. This time, I 'm on hold at least 30 minutes and they now say it 's delayed due to the holiday ( tomorrow, XXXX ) and to give them another 4 hours. I had no reason to think my direct deposit would not hit on time, and now my family and I are traveling out of town with no money, praying that they correct whatever issues they are having. I have no recourse because my company has paid me. I am at thier mercy.

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 2017-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I was in contact with the Department of Veteran Affairs and Caliber Home Loan,  and we were working on gathering and reviewing my documents for loss mitigation. During the process, my VA Loan Techician requested a postponement of the current sale date. Caliber did not deny the postponement, but they did continue to collect documentation for review. There were several technical delays with the email addresses and the contacts that they proviced. However, my VA tech was trying to assist by forwarding the information to Caliber as well. 



In the middle of collecting my documents, Caliber executed the Foreclosure sale without giving me a chance for review. I feel that they had no intent to review my package as they did not postpone as the VA requested for more time, and they executed the sale while I was under the impression that they were working with me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: On-Site Manager, Inc.
State: MD

Complaint narrative:
XXXX Inquiry from XX/XX/2017 There is no company information to dispute this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: North State Acceptance, LLC
State: MD

Complaint narrative:
XXXX Inquiry from XX/XX/2017 There is no company information to dispute this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have a Title loan with XXXX. 

I lost my job and the job I have now only pays minimum wage. These are aggressive collectors and I need help. 

They repossessed my vehicle last year and did extensive damage to it. After I recovered it from the Repo yard, i found that it had been crashed and had significant damage to the front end & interior. Both front fenders had been ripped out and were thrown in the back seat. The interior smells like methamphetamine smoke and cigarette smoke. Even now over a year later, I ca n't get the horrible smell out of the vehicle. 
These criminals call me over 15 times a day. Call and threaten me and friends and work associates whom were named as references when I first applied for the Title Loan. The interest rate on this loan is upwards of 30 % and I have been charged ridiculous penalties and junk fees by this criminal enterprise. I need help. I need to have my loan re-structured with them and new payment arrangements. I can barely afford to keep my family housed and fed and without my vehicle, we will be completely ruined. I have limited access to documents right now but I will certainly have any documentation you may ask for. Please help me as soon as possible. This is an urgent situation. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Bought my 2nd home since XX/XX/XXXX, with two lines of loan, and was promised I can modify within few years. Paid my mortgage monthly for 5-6yrs. In XX/XX/XXXX, I decided to modify the account but has been very difficult for the past 6 years. Tried short selling the property through an agent you helped me in finding a buyer, submitted all necessary documents and down payment. They refused I request deed-in-lieu of foreclosure, they refused. All while, they have trying to sell my home. All the time I am getting a new relationship manager. The loan has been sold or transfer to different company. Several time they will call my phone, when I do pick up, there is always a silent on the other end. This is very frustrating. About a week ago, I call the company, someone did answer, and I now request4ed to have my house back, I am no longer interested in modifying the loan. Please, can someone help me, I have been having a hard time with this company. The aggravation is affecting me health wise. Need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/XXXX I was served with papers that XXXX XXXX XXXX XXXX was filing to collect XXXX dollars for a couple of medical bills that I had defaulted on. I was given 20 days to respond. I called XXXX XXXX XXXX XXXX  on XX/XX/XXXX and asked if they would settle on the XXXX and we could work it outside of the judgement. I was told they would " submit '' the request for a settlement but would not have an answer that day. I was told at that time that we would be able to work something outside of the judgement and if we came to an agreement, the judgement would not take place. On XX/XX/XXXX ( exactly 20 days later ) they heard back that the settlement was rejected and then called me on XX/XX/XXXX. 

At that time I had defaulted on my 20 days after saying they would work with me, but needed to get an answer on the settlement. At that point when they called me to let me know they did n't have the settlement offer, but still would be able to take a payment. I was left to believe that we still had come to an agreement without the judgement. I paid them {$1000.00} and told them I could work out some arrangements to payoff the rest, but could not do the full amount they had listed with other accounts. 

That same day the XXXX County ( Iowa ) Court ruled a judgement against me and put it into affect on XX/XX/XXXX. 

My complaint is that XXXX XXXX XXXX XXXX knew about the 20 days, they gave me a false understanding that the judgement would be removed if we came to an agreement. They then held their response until after the 20 days and now are saying I owe them more money due to court costs, interest, etc. They gave me a false sense of understanding that an agreement had been made to keep the judgement from moving forward. Because of this, I thought things were taken care of here in XX/XX/XXXX. 

I recently ran my credit report and saw two things from them. So I called in today and found out that I owe more than those two things on my report due to the judgement. They were not willing to work with me and I did not have any idea that anything was still going on with the judgement. 

The fact that they told me we could get an agreement and settle without a judgement, and the fact that they got a response on the settlement at the 20 day mark and then called me back on the 22nd day is very convenient for them. At this point it looks very suspect on their actions, how they choose to deal with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax did not take basic precautions when storing my personal and private information, and that information of 143 million others. Our private data had been exposed for nearly 4 months before the public was notified ( and it is criminal that the board knew within 20 days and made money of the process ), and to boot, Equifax 's site was not working correctly and was insecure when this was first information was first released. I have now had identity theft and am dealing with the aftermath of this breach ( and will for the rest of my life ), which is why I am submitting this formal complaint. This negligent behavior is vexatious and there needs to be a change with standard operating procedures with how credit cards are open and how identity is proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
I received no prior notice from this company. They sent a violent individual to my apartment that began pounding on our door so hard it bent the latch and door jam. He persisted and we were terrified someone was trying to break in not expecting them. My XXXX year old son has XXXX and was crying and visibly shaken. After XXXX minutes and us about to call police, he yelled and swore at me to open the door he had papers to sign. I relented and signed. Intimidating and harassing peoples families with no warning is wrong and causes a great deal of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX keeps calling me very early everyday regarding a bill that the statute has expired over ten ( 10 ) years, I currently have a credit score of over XXXX, they keep threatening me with legal action that is not valid, please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kwikcash, Inc.
State: CA

Complaint narrative:
I received a loan through this lender and eventually could no longer afford to pay the amount I was paying because of my income drop. I tried to go through a third party for debt consolidation and was told that the lender would not accept my monthly payments I could make because it was lower than what they wanted which was about $ XXXX. The lender than filed the claim to sue me in court in their County XXXX XXXX XXXX ) which is not the County I reside in, making it impossible to attend court. I was never properly served by Kwikcash. I then received a letter in the mail from my employer for a wage garnishment in XXXX XXXX. I tried to attempt to request a lower payment in the beginning of XXXX with Kwikcash by calling and was supposed to get a call back and never heard from anyone so I filed a Claim of exemption since I have to support myself and two children under age XXXX and the judge in the County of the lender 's denied my claim. I was sent instructions by my employer that I would receive a letter in the mail on the date of the court hearing in regards to my Claim of Exemption but was never sent a letter. The only letter I received was a letter that the judge denied my request. I was not given a chance to even try to arrange to attend the hearing and submit financial proof that I can not afford this wage garnishment and am falling behind because of it. It is unfair that I was not properly served, I never received a letter in the mail regarding the hearing to attend court to prove my case, and I am unable to have this wage garnishment stopped especially with two XXXX children who require my support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Prizm Financial Company, LLC
State: OH

Complaint narrative:
I am a a few payments behind on my XXXX loan and Ive been paying towards it every week this representative from the loan company XXXX keeps emailing me and calling me harassing me telling me he is not on my XXXX XXXX I need to pay up or he will make it hard for me to keep my car also he is not stating the FDCPA with any of his forms of communications with me I have copys of the emails as well as voice mails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Carpenter, Hazlewood, Delgado & Bolen, PLC
State: AZ

Complaint narrative:
This Complaint is being filed due to this firms lack of competent business practices and the manner in which this firm has attempted to extort excessive fees and charges due to an alleged balance they are attempting to collect on. This firm lacks any sort of consistency or professionalism and in trying to contact the incompetent individuals that are employed by this firm I have been met with a severe lack of follow up or professionalism. This Firm is attempting to collect on behalf of XXXX XXXX which is an XXXX firm that has failed to follow due diligence in its effort to conduct any sort of relevant business. Due to this companies lack of protocol or process they have now attempted to serve me on an erroneous lawsuit with excessive and what should be considered illegal fees and additional charges. I have made an attempt to contact this company prior and left messages on 2 separate occasions for a XXXX and XXXX, but have yet to have anyone from this organization reach out to me to discuss this matter. I am absolutely disgusted at the manner in which this firm has billed me, and I refuse to be bullied or extorted via a lawsuit. My recommendation is this firm needs to do a complete re evaluation on its business practices and I demand a review of this account and all of the erroneuos charges they have billed. I refuse to pay this companies excessive fees and will demand that they be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
ON XXXX17 MY ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY XXXX XXXX AND XXXX XXXX. I DISPUTED THESE CHARGES BECAUSE THE SERVICES WITH XXXX HAD BEEN CANCELLED IN XXXX AND XXXX XXXX IS ENGAGING IN FRAUDULENT PREDADTORY LENDING PRACTICES AND IS A SCAM. BANK OF AMERICA IS REFUSING TO REIMBURSE ME FOR THIS VALID AND LEGITAMITE CLAIM.

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 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: LA

Complaint narrative:
I was a loyal customer with Lending Club. A payment of {$680.00} was drifted from my account on the 27th of each month for almost two years, thus, I was never late with my payments on a loan of {$20000.00} I took out in XXXX of XXXX. However, last year I went through a divorce and on the advice of my attorney, I called my creditors, and explained that my income was now cut-in-half and asked if a hardship program was available. All of my creditors immediately enrolled me into all hardship program, all except for Lending Club. I was told by a Lending Club customer service representative that Lending Club did not offer a hardship program. 

Today, XXXX XXXX, XXXX a representative from the debt collection agency hired by Lending Club called for a payment on my account. After I explained to her why I did not have the finances to bring my account current she asked why I did not asked to be enrolled in the hardship program. Hearing this, I was surprised! I explained to her that I had asked to be enrolled in a hardship program in XXXX, but was told that Lending Club did not offer a hardship program for its customers. After speaking to the debt collection representative I called Lending Club. I wanted to know why I was not enrolled in the hardship program when I asked back in XXXX. I was told by a Lending Club representative that recipient for the companys hardship program was selected electronically. I was also told that the debt collector should not have even mentioned the hardship program to me. 

I truly believe that I have been discriminated against. I do not understand why the process of selecting customer for their hardship program was never explained to me. I do not understand why I was lead to believe that a hardship program was not available to me and I do not understand why the debt collection agency was not supposed to tell me about the hardship program. 

Today, I am over 120 days late with my payments. My account has been outsourced and I owe Lending Club over {$2000.00} to bring my account current. Because of the late payments reported by Lending Club my once excellent credit has fallen below XXXX and I was denied the refinancing of my home, which I had hoped to get approved to finally pay off the Lending Club debt. I know if I was enrolled in the companys hardship program ( which I now know is offered to other customers ) all of the above could have been avoided. I want to pay my debt, but how can I do so, if I am not given the same opportunity as other people facing a hardship like myself?

Company response to consumer: Closed with explanation