vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: USCB, Inc.
State: CA

Complaint narrative:
This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. 

In correspondence dated XX/XX/2016 you received a demand for validation and cease communication letter from me delivered to you via certified mail. As of today you have failed to provide me with the proof I have lawfully requested. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. Also, when an alleged debt is disputed, a notation must be entered on the debtor 's credit report showing the item as in dispute. Again, this was not done. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA 1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX and XXXX ) and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.

Company response to consumer: Closed
Consumer complaint received 2015-06-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: FL

Complaint narrative:
In reference to Case number : XXXX disputed the companies response in reference to the case number above. 

My dispute is against Genesis Lending Services. I was forced to take out these private loans by XXXX University. I am currently dealing with the state attorney of Florida in regards with the way I was treated by XXXX. When I made the complaint here against Genesis Lending, they quickly sold my account to another party instead of allowing me to receive my 40 percent from the settlement against them and XXXX. This to me is unacceptable because if I had made no complaint against them then they would still be servicing my loan. They made no attempt to fix the issue and the XXXX thing they did was sell my loans..? The response from them was shocking to me because I had no knowledge that they sold my loan until I received an email a few weeks later on XXXX XXXX, 2015. Yet again, they only sold it after my complaint and that is horrible! I am in debt to them for XXXX and it started at XXXX. I am in debt to XXXX for XXXX! I am only getting a 4 year degree. This is too much and I am only asking for help but it seems like everyone is trying to sweep things under the rug. I am going to send letters to the white house if I have to if nothing is done to help me. Genesis told me I was to go to CFPB for the 40 percent and CFPB told me to go to Genesis, which XXXX is it?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We secured and were under an agreement with Wells Fargo to purchase a home under an 89.9 % loan exception which allowed us to pay a 10.1 % down payment on the purchase of a new home. These conditions provided a significant advantage to us in terms of the cash out of pocket and was the basis of pursuing the loan through Wells Fargo versus alternate loan providers. We progressed through the loan process ( providing timely documentation ) and were assured at multiple stages that we were on track to close on the contract date ( XXXX XXXX ). 

Wednesday morning before XXXX ( XXXX XXXX ) we received a call from an agent of Wells Fargo indicating that Wells Fargo did not agree with the appraiser 's estimated home value ( which they had since XXXX XXXX ) and required the loan to go through additional internal reviews. They communicated that these reviews ( even if expedited ) would delay the closing date of the home. The agent indicated the only scenario in which we could maintain the original closing date was if we put 20 % down. He pressed and indicated they needed our decision by mid-day otherwise the closing would be delayed. 

I communicated how egregious I thought the entire scenario was and that I believed this was a " bait and switch ''. This last minute issue arose XXXX 44 days post contract submission, and ~ 30 days post receipt of the original appraisal.

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 2015-05-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo put a hold on a deposit for 12 calendar days, and refuses to change this to a more reasonable amount of time. 

When I called the Customer Service number, I was told that this was " to protect my account '' and that it was because I had a number of NSFs ( which is due to WF 's creative bookkeeping ). I said that I understood holding the check to verify the funds from the paying bank, but twelve days is excessive. The CSR was unable ( and sounded unwilling ; she was very snippy ) to help me and directed me to visit a branch, which is impossible since I live in a XXXX Wells Fargo branches ( the nearest one is a XXXX XXXX XXXX ). I phoned WF branches in my hometown where the account was opened, and both times the bankers have been busy and no one has returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
I phoned my mortgage company, Amerihome, today. I was harassed and mistreated beyond my level of comprehension. The phone representative made threats and posited herself in a very aggressive manner as though she was bullying me. This was all because I wanted to make a mortgage payment as I was locked out of my account. The woman 's last name was XXXX and her ID was XXXX. 

I did not pick Amerihome ; they bought my mortgage from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I fell behind with my mortgage payments in XX/XX/XXXX because my income dropped 20 % and my expenses have increased- I have XXXX children that are attending college - I am trying to do my best to provide them the best education for their future- In XX/XX/XXXX I applied for loan modification however I was approved for trial. the trial agreement was not reasonable and unfair to my family - I was approved for XXXX & XXXX trial for {$2600.00} and XXXX trial was for {$44000.00} -I did n't accept the offer because we do n't have that kind of money - we are asking for help- I filed a complaint with attorney General against Wells Fargo- They notified the attorney general they would review the file once again to resubmit the financials. I resubmitted the financials but this time I hired an attorneyon XXXX I reapplied - I was denied because they do not have the contractual authority to modify your loan because of limitations in our servicing agreement for HAMP and HAMP Tier XXXX the investor is XXXX XXXX there was no mention about the standard modification - I am asking for your help because I strongly feel I am being treated unfairly by both Wells Fargo and XXXX XXXX I do n't want to lose my home and I am trying to find a solution to keep my house unfortunately Wells Fargo and XXXX do n't care

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Net Credit contacted me via email back in 2013, I believe, in response to an online lending application made through XXXX XXXX. I needed the money to offset additional college expenses for my daughter, so I accepted the loan offer and paid this loan on time without default at any point with an interest of 160 %. During the initial conversation and on a subsequent loan offer, they advised they were licensed to offer loan products in Virginia. I agreed to the second loan terms, secured by my checking account with a 160 % interest in XX/XX/XXXX. Shortly, thereafter, I began receiving work and personal calls indicating I owed a payday lender and they were going to have me arrested. It was not until XX/XX/XXXX that I learned XXXX XXXX was a payday lender as they identified their loan as an installment loan. I did n't owe anybody so I chalked it up as a scam call. In XXXX, I was notified by the IRS that someone had filed a fraudulent tax return in my name. During the investigation of identify theft, it was learned that Net Credit, XXXX, and XXXX online lenders were possibly linked to a nationwide scam group and identity theft. I was advised to contact the Commonwealth 's Bureau of Financial XXXX to learn if either of these companies were licensed and/or registered to do business in the Commonwealth. In XX/XX/XXXX, I was notified that none of these companies were legal in Virginia and their practices were fraudulent and violated federal and state laws, including usury laws. In addition, the Office of the Attorney General and the SCC advised that online lenders are illegal in the XXXX of Virginia. These lenders were notified immediately to cease and desist all transactions against my checking account and remove any reporting to any and all credit bureaus. They have continued to harass through multiple daily phone calls, emails, and most damaging, the reporting of these loans as valid and past due on my credit reports. I am seeking to have these accounts removed from the credit bureaus immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SECURITY FINANCE CORP
State: IL

Complaint narrative:
Security Finance XXXX of Missouri should be taken off my report. They were closed in 2007. They XXXX say closed but yet it shows open on XXXX of them. I do have credit with XXXX 's XXXX, XXXX and XXXX, XXXX 's and XXXX door and have pad off early and always on time. When I try to get my credit report through XXXX none of my info matches. I was notified by Illinois XXXX that a person in XXXX has stolen my identity. I have been to the local police and contacted social security about this with no resolve. The person goes by XXXX ( not sure of correct spelling ) and her info is on my credit reports. She has used my ss # to get a job with a temp service in XXXX. She has not filed taxes on her income or it would show on my social security and I am XXXX. If taxes were ever filed, I could be in big trouble and lose my XXXX and have to repay my income because of this person. I would really love to get these issues solved and get my credit where it should be. I also have a judgement against me from XXXX XXXX that was discharged on a bankruptcy and my lawyer told me not to show up in court. This happened in a XXXX Missouri court and now is on my credit report. I would love to get this mess cleared up. Thank you for your time. This person owns a home and has credit cards. I do n't get that priviledge because my credit shows up as poor, while this foreigner who is probably here illegally is enjoying what is rightfully mine! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have banked with Wells Fargo for over thirty years. During this time I have had a line of credit account that was linked to my checking account for overdraft protection that did not charge a fee for transferring funds to checking. On XXXX XXXX 2016, I called the XXXX line to see if that account was still in effect. I spoke to a banker who said she could n't give me the information but could connect me with someone in credit who could give me that information. Before making that connection, she suggested that I could change my link to my savings account rather than the existing account. She did not inform me ( and may not have known ) that this would be a permanent change or that I would be giving up my grandfathered in no-fee contract. When I was passed to the person in credit she told me that my account was still a no-fee account, but that she was unable to make a connection to that account. So she reconnected me to a banker whom I asked to please reverse the change and connect to that account. The banker said that this was not possible. So I asked to speak to a superviser. The superviser also said that this was not possible and read me a contract for a different type of account saying that the contract I had had did not exist, when it had existed just a few minutes before. I said that I thought that in Minnesota I had the legal right to reverse the change and he said I should speak to my local bank. The next day, XXXX XXXX, I went to the local bank. The person looked at my account and said that my account had not been changed after all. But on Tuesday the XXXX I found that I was charged for a transfer. So I called the banker who said I needed to talk to someone in the Line of Credit department who could surely reverse the situation. After several calls ( in one of which I was told I to hold while the person found the number and then they never got back to me ) I was given the line of credit number ( XXXX ) and spoke to a credit person who said that although the account is still active, there is a rule that change to such an account can not be reversed. I can not believe that the link to an active account can not be restored, especially to a customer who has been with the bank for 30 years,. Furthermore, when the reason the change was made was due to ignorance on the part of one of their personnel and a lack of informing a client of the implications that were specifically being requested, it seems that the bank has the responsibility to reverse the change.

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 2016-10-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Well, It all started in 2007 when I applied for a secure credit card with Wells Fargo Bank. I put down XXXX to open it the credit card. I did n't use the card that much, only to rent cars to go out of town. At the end of last year I found out that the secure credit card was no longer a secure credit card but a unsecured card card. I had called Wells Fargo Bank to check out my balance for my secured card and that was when the banker informed my that my card was unsecured. At that time I asked the teller where was the money I had put down to open the card and he said they had sent me the money {$1200.00} check in the mail. I told them I never received any check from them and he said that the check was returned to them because of incorrect address. I then asked them can they mail the check back to me with the correct address, but he said no because it was sent to the Nevada XXXX and I would have to contact them. 
I had contacted the Nevada XXXX but they said that nothing in their system show a check sent to them in my name. They looked through their system with my different names ( last ) and also with my social security number but NOTHING. I have called back and forth with Wells Fargo, I even went to a branch to try and get some answers but no luck, I 've also been dealing with Nevada XXXX with no luck. I am SO tired with Wells Fargo Bank giving me the run around. I need some answers or better yet my money that I am entitled to. PLEASE HELP!!!!!

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 2015-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A refinance mortgage loan application that has take 11 months and still no closing date yet. 
I start the application in XXXX 2015 and a credit report was pulled them, three months went by and another credit report was pulled without my authorization. After that I was promise that it will take another month and we will be closing by them. XXXX came in and the loan officer disappear without even a courtesy note or email. They brought another officer that is trying to joggle all the mess that it was thrown on his plate, still the people that he have to rely on to complete the process seem to be incompetent. The estimates were all so off that they ask me to take a loan against my XXXX to cover the closing cost. The only reason I have not pull the plug is because I am so compromise and I am not feeling well to start all over again. This probably will be my last mortgage process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Had a credit card with Wells Fargo involuntarily closed without warning. All remaining points that were earned from spending on the card were confiscated, including those due to be paid out for past purchases. The amount of rewards that Wells Fargo withheld for spending that already occurred is roughly $ XXXX- {$300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Today I made a deposit to my Wells Fargo checking account. It was a check made out by me, to me on our credit union account. The check was for {$500.00}. As you can see from the receipt, WF gave me instant credit for {$400.00} and delayed the balance - {$100.00} - until tomorrow. Is this common practice in banking? What if I was expecting a check to come through my account today and WF failed to cover it because they did not recognize the total deposit. Would I therefore be responsible for over-draft fees? Just thought that since you are looking into Wells Fargo and other banks, you might want to consider this. It was a first time experience for me.

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 2015-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have attempted to file a credit life insurance claim with Wells Fargo Home Equity on a HELOC that was extended to my mother in 2009. She paid the premium diligently every month. In XXXX she passed away after a long fight XXXX. I have visited XXXX branches, called the customer service phone number, spoke with their collections department and been shuffled around for 5 mos in an attempt to have the HELOC paid through the life insurance it was protected with. I was initially told by the branch manager at the XXXX MI branch there was no insurance. I persisted knowing there was as you could see the premiums paid on the statement. I was then given information for the insurance company and filed a claim. I took the paperwork I received into the XXXX XXXX XXXX XXXX XXXX and was told by a banker and the branch manager that they did n't know how to complete the portion that was required to be completed by Wells Fargo and that I could just complete it myself. I called the insurance company and they said to send it in without that portion completed so they could process the claim. A few weeks later they sent me a letter saying they do not hold the policy for this loan. 
I began making payments on the loan as they were threatening repossession of the home my mother left to me. When I reached out to the collections rep he told me that if I can not afford to pay the loan that I should just sell the home or do a deed in lieu (? ). It is like they are not even listening to what I say. In a final attempt I sent a written letter asking for their assistance in resolving this and giving them 5 business days to respond. I was contacted by phone and told they were hoping to have an answer for me by today. I also received a letter addressed to my mother saying since they can not discuss the loan with me they are writing to her. My mother is dead, I have n't heard from then again yet, I need help ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Applied for a modification on XXXX/XXXX/XXXX. I called today on XXXX/XXXX/XXXX to find out the status and was advised by XXXX ID # XXXX and advised that the loan was ineligible to reactivate based on affordability and no change in circumstance since prior re-entry on XXXX XXXX. I would like to know the income that was considered in this review and the income that was considered in the XXXX XXXX review as the representative advised she could not give me that information.

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