vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing about a wire transfer fraud issue that occurred to me several months ago. I am reporting it now because the fraud was with my accounts at Wells Fargo and it is clear that Wells Fargo has several internal issues. The fraud was characterized by first a small " testing '' wire transfer followed a few days later by a large wire transfer of several XXXX dollars. I notified Wells Fargo of this fraud upon my realization ( a few weeks after it occurred ) and they immediately addressed the situation though the process included opening new accounts and closing the old ones over a period of a few months. The closing of the compromised accounts was done very slowly with WF telling me they could only accomplish the closures at the beginning of the next month. I was shocked that a wire transfer fraud could occur! It was clear to me that this was an " inside job ''. I had, a few months earlier, wired money from my account to complete the closing of a large mortgage for a home purchase. It was clear that the information from my mortgage had been used to commit the fraud. There was a name ( no doubt another fake account ) on the wire transfer. The whole process took quite some time to resolve. I believe that other than the massive inconvenience and the time that I had to dedicate to resolve the issue I did not have any additional financial costs. Again, I am writing this because it is further evidence of significant internal problems at WF. Wire Fraud is not simply " opening new accounts to meet a sales goal ''.

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: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In the Fall of XXXX, Wells Fargo Home Mortgage ( WFHM ) did mortgage modification making my home loan more affordable. My mortgage loan with WFHM started to default in XXXX of XXXX due to divorce & my becoming XXXX. I signed up for Home Mortgage Foreclosure Avoidance Program sponsored by Oregon Department of Justice. I went through the program twice but was unable to meet their requirement due to Debt to Income ratio. After utilizing and exhausting all of my financial resource 's to try to remedy the problem, I am not hopeful of any solution. Further, I was contacted by WFHM and ask if I had consider walking away from my home mortgage, recommending that I apply for a Mortgage Release / Deed in Lieu Foreclosure ( DIL ). The DIL was a Cash Incentive Based Program by WFHM with a potential paid out amount to me of up to $ XXXX. These monies were to help with relocation costs such as rent, moving, labor, storage and cleaning costs. 
It should be noted that WFHM did have certain requirements mostly associated with the condition that the home was left in, I.E., cleanliness. In XXXX of XXXX WFHM initiated the formal Foreclosure. In XXXX of XXXX, I applied for the DIL and WFHA requested such documents as ; My Hardship Letter and Income Proof. I received notification from a XXXX part company named ; XXXX XXXX XXXX XXXX that the Trustee 's Sale would take place on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I contacted WFHM, less then 72 hours before the Trustee Sale date, I found out from WFHM my mortgage loan no longer existed in Wells Fargo 's system and that the DIL was off the table wad I was never notified. Further, I found out that Wells Fargo sold my mortgage to a company named, XXXX XXXX XXXX. XXXX XXXX Loans offered a Deed in Lieu Program but requires 37 days and without any cash incentive for relocation expenses. This seems to be completely wrong and I feel that my Due Process Rights Have Been Violated. How many other people do they do this to. I lived in my house for nearly 30 years and now that I become XXXX I limited to what I cane do and how I can do things without help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX ( XXXX XXXX XXXXXXXXXXXX

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 2017-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: The Lemoine Group, Inc
State: CA

Complaint narrative:
the company that purchased the 2nd mortgage loan on our property contact us and toll that we could get a loan modification or if not they would foreclosure on us.we fill out all the papers they sent us and we agreed to make payments for six months and come XXXX 2015 we would get together and do a modification but to our surprise we receive notice that the house had been sold on a foreclosure sell that we had 3 days to move out or be evicted by the sherrift police because the new owners wanted passetion of the house.I toll I was about to make my payment to the 1st mortgage he do n't do it we are paying them off we own the house. I call the company that 2nd mortgage and toll what happen we had agree to met on XXXX and do a modification the owner said its nothing personal its all business we own the house you have to move or be evicted.i toll that there no way we had a agreedment that the house had over XXXX dollars of equaty .he said lets meet so we did he came to the house and said that it wasent nothing personal but that they own the house we had to move out. I explain that how this could be that I had as my mom for a loan of XXXX dollars a couple months back to get courent with the 1st mortgage and we had to star paying it back on XXXX 2015. he said let me make a call to my associates and he did and said i all give you XXXX to move a get a rental place and if your out before the month ill give the money to paid your mom. I call the 1st mortgage and they set up for me to talk to my representative on the XXXX of XXXX but for some reason he did not call. I receive a call from the 2nd mortgage that why I had not cash the check thatif the month went by and we were not out we would loss the ckecks and be evicted by the sherrif. I went and met with XXXX lawyers but both wanted XXXX dollars and XXXX and hour to take the case and nothing warranty I did not had the money to fight the case. so we did move out before the month. I receive a call from XXXX the server on the 1st mortgage and he said that there was no way we sould had move out from the property that the only way for a foreclosure was if we were behind on our mortgage or property taxes witch was not the case we were current by the time the house had been rented and they had taken out XXXX dollars of the equity of the house on the XXXX weeks. by then the family had gone separated ways I was homeless for 11 months and got serve by my wife for the divorce and during the proses the judge said that something was really wrong and to call the 1st mortgage to see if we did own or not the house I did contact them and also XXXX and they both said that yes we are the owners and that we had to take this out with them the company that did the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Six years ago we applied for a home loan modification. After being told that we had qualified and had been approved for our loan, we were then told that the loan was denied. We did not know where to go for help. We hired a lawyer and stopped paying our mortgage payment at his advice. He told us he would handle our case and that he should be able to get us a loan mod within a year or two. We have been waiting for something to happen since that time. Now we have received notice of foreclosure and trustee sale of our home on XXXX XXXX, 2016. We have lived here for XXXX years XX/XX/XXXX. We were always on time with our mortgage payments until our " Pick A Pay '' went up above $ XXXX/mo. Wells Fargo will not answer the phone when our lawyer calls. Wells Fargo will not even discuss a loan modification. Our lawyers have determined that we qualify for a HAMP loan modification, but Wells Fargo is going ahead and selling our home out from under us with no negotiations whatsoever. Wells Fargo should be prosecuted for ignoring the programs that could help people like us, retired and taking care of our XXXX veteran son.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wrote letter to Wells Fargo Dealer Services dated XXXX/XXXX/2015 disputing my previous account with them regarding late payments. They are now playing games asking me with more information. I provided Wells Fargo with my account number. They should be able to find my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I was selling a truck on XXXX. A buyer emailed me to say he wanted the truck. I was selling the truck for {$1800.00}. He said he was going to send me a cashier 's check for {$3300.00} because he was in another state and he wanted me to send money to his car mover who would come with a trailer and pick up the truck. I took the cashiers check to my bank, Wells Fargo. I told the teller I was suspicious of the check and that I would like a manager to look at it and tell me whether it was legitimate. XXXX XXXX XXXX, the service manager of the branch, came out and looked at the check and said, " It looks good to me, I do n't see any telltale signs of it being fraudulent. '' She also said, " once the money posts to your account, the money is yours and you can spend it. '' She told me I could also send it off to someone to check it for validity, but I told her that if she said it was good I trusted her. She said it was. I deposited the check that day. XXXX XXXX then told me that, since this was a Friday, if the money posted to my account on Monday then go ahead and spend it. I waited the weekend and the money posted to my account. I sent {$1400.00} of the money to the address the buyer provided in New York.I first used my portion to buy food. I then began paying off debts. I bought some clothes, and put some gas in my car. The next day the buyer emailed me again saying that his uncle was sick and that he needed the rest of the money back and that I could keep the truck. At that point it seemed to me that it had to be a scam and I immediately called the bank. The bank told me that they had decided it was fraudulent and they had taken all of the money in my account to begin to pay off the fraudulent check. There was approximately {$700.00} of the truck money remaining in the account. They took that. On XXXX XXXX, 2016, my Social Security payment was direct deposited into the account and they took it. I went to Legal Aid and they called the bank. XXXX XXXX admitted to my attorney that she had told me all that I stated above. She did this both on the phone and in emails. She lied and said that she asked me whether I was supposed to send money somewhere. She never asked me that. I would never have used that check without XXXX XXXX 's approval. But for her telling me to go ahead this mess would never have happened. My attorney called the bank because they are still pursuing me for the rest of the money. I told the bank that I thought the right thing for them to do was to write off the loss and let me close the account. They have refused to do so. Wells Fargo preyed on me and now they are continuing to do so. This is not right.

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 2015-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
On XXXX/XXXX/2015 they called and I spoke to a representative whom refused to provide further information as to the proof of the debt without a payment arrangement and payment account information from me. That call was at XXXX then I received an automated call at XXXX the same day. Just today I received XXXX automated calls within XXXX minutes of each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
I had an auto repossession on XX/XX/XXXX from XXXX XXXX XXXX due to my illness with XXXX XXXX. XXXX sold the account to Cavalry Portfolio SVCS. When I had my credit report pulled Cavalry Cavalry is reporting the date placed for collection as XX/XX/XXXX, which is not the original date the account was placed for collection. I disputed the date with XXXX, and Cavalry did not update the " date placed for collection '' which was in XX/XX/XXXX. I need this updated as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I have an account with Tower Loan and got behind making full payments. I am currently employed with a company that is changing the pay cycle and relayed this information in a formal message to the home office ( it is difficult to find a phone number for the home office and you must have an extension number for a specific party for the one you can find ). I told a local representative of the company that payment would be caught up by " next XXXX '', which would be XXXX/XXXX/15, when he called me at work. I asked him not to call my job anymore and, of course, everyday afterward I am told by coworkers that I have been getting calls from someone " desperately '' trying to reach me. I made a payment of {$120.00} today, XXXX/XXXX/15, and will make another on XXXX/XXXX/15. Even after making the payment early this morning I am still getting calls. This company is full of a bunch of harassing bullies. I have paid off a loan with them in the past and did not foresee such poor practice as calling my job everyday. These calls are affecting my work environment and my hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Citi Management Group, LLC
State: MD

Complaint narrative:
Both my family and I had been receiving threatening phone calls and voicemail to provide my information so that they may contact me about a debt i supposedly owed. After calling them back the man proceeded to tell me i was being sued by XXXX XXXX for a debt i owed them and the only way to differ that was by making a payment. At the time i agreed and made a payment of {$110.00} and set up an arrangement for monthly payments. This month ( XXXX ) the day before they were due to withdraw the money my XXXX year old son got ill and had XXXX. I had to take him to the doctor and as a result had a list of medication i needed to purchase for him. I call the company right after his doctors appointment and they said the payment had already been submitted and there was nothing they could do. Today the payment was declined and a woman called me back in a rage. Asking if I was on probation because they would be suing me and pressing charges and the police were going to show up at my job and arrest me, unless somehow i cam up with {$60.00}. At that moment it made me think. I did some research and I found quite a few people had been through the same thing and that it was a scam. I proceeded to call XXXX XXXX ( the company they said i owed money to ) and was told that they do not use a collection agency by that name nor do i have an active account with them. I immediately called my bank and had them cancel my card and block them from making any other withdraws from my account. The woman from the " collection agency '' called me again to see if I was going to make the {$60.00} payment and i told her i knew it was fraud to never call me again because im filing a claim with the FBI. She again go infuriated and started using fowl language so i hung up and have n't heard back from her since. The telephone numbers they have contacted me from or have had me use to contact them are XXXX and ( XXXX ) XXXX. I was told the company name is Citi Management.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
The last correspondence I sent to Cavalry Portfolio Services on XXXX pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants Credit Corporation
State: LA

Complaint narrative:
Merchants Credit reported to XXXX a collections debt that was not mine without ever contacting me to verify if the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I signed a XXXX year home residential rental agreement XXXX XXXX XXXX, XXXX, FL XXXX. I opened an account with XXXX XXXX at the same time. When my lease expired in XXXX XXXX paid the balance, to close the account, and moved out. Almost XXXX yearslater, XXXX XXXX XXXX sent my closed account to a collection firmwith a balance of {$280.00}. They never sent me a notice although I updatedmy address with XXXX shortly after moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stevens Business Service, Inc.
State: NY

Complaint narrative:
see attached dispute letter. I have never even been contacted by this company and I see them on my credit report.

Company response to consumer: Closed
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Citi Management Group, LLC
State: LA

Complaint narrative:
Citi Management in XXXX is the problem. I contacted them stating my situation and the transaction was still attempted. I know they received the call because it was confirmed through one of there worker. They also called my job threatening to send some type of action to my job and they spoke with my HR department. I was informed and called them to work out a plan. The first person I spoke with tried to help but then I was transferred to I guess a supervisor by the name of XXXX XXXX and she did not try to help at all. She is terrible and her customer service is even worse. She went in to some explanation that was not what I wanted to know. She even stated I know that is not what you wanted to hear which was correct. I called for help to resolve the situation and she did not attempt to help. The issues that really upset me is calling my employer when in fact they had my email address whereas they could have emailed my because I could not be contacted via telephone and secondly the threat of legal action when they received they call of my situation. I would like some type of legal action taken against them or legal action that I can take against that company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Eastern Account Systems of Connecticut, Inc.
State: WI

Complaint narrative:
I had been a loyal customer of XXXX XXXX XXXX for over twenty five years. I switched services ( closed my account with XXXX ) on XXXX XXXX, 2016. Eastern Account Systems, per XXXX XXXX XXXX ( called twice on XXXX XXXX, 2016 ) told me they ( EAS ) received this account ( # XXXX ) in their office on XXXX XXXX, 2016 a mere twenty two days after my account was closed. My account with XXXX XXXX XXXX was not past due nor was it delinquent. My private and personal account information including S.S. #, phone number, D.O.B. and XXXX address were all given to a third party debt collector before the account was delinquent or even past due. The company stands by this policy as answered in XXXX XXXX XXXX complaint " ticket number XXXX ''. I was given an extremely hard time when trying to close my account and was subjected to many different departments all trying to retain my business. I took well over two hours XXXX simply close this account. These collection efforts are another effort to make me pay for my decision to terminate their service. As XXXX from XXXX told me " this is what happens to everyone that disconnects service with us ''. 

Eastern Account Systems of Connecticut , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I 've already paid in full and settled this case in XX/XX/2016. 
I have a receipt of my payment to prove that I owe nothing.

Company response to consumer: Closed with non-monetary relief