vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Beginning in XXXX 2016, I have been attempting to close the remaining account from my deceased parents ' estate. I called WELLS FARGO BANK to find out what they needed from me to withdraw the funds and close the accounts, then visited a branch bank with the requested documents. An important document was the XXXX Small Estates Affidavit prepared by my attorney to give to banks permitting me to distribute small assets such as the Wells Fargo Bank checking and savings accounts. Wells Fargo Bank informed me I could use the affidavit for a savings account that had less than {$300.00} but not for the checking account which had about {$25000.00}, because the balance exceeded the acceptable limit for small estates. When I asked what the limit was for small estates assets I was told by the branch manager she thought it was {$2500.00}. I did homework online and discovered from a State of XXXX website that small estates affidavits are used for personal assets valued up to {$60000.00}, far more than the checking account balance. I returned to the bank with this information. Wells Fargo Bank then created another reason to deny me access ; they said though my parents last resided and died in XXXX, because the account was created in XXXX I needed XXXX court documents to permit me to act as agent. My attorneys in XXXX and XXXX both said Wells Fargo Bank is wrong. I confirmed this by calling the XXXX XXXX, XXXX XXXX office. Meanwhile Wells Fargo Bank froze the account assets. The bank 's requirements described here were communicated to me by the bank 's legal department through a branch employee. My request that my attorney be conferenced into a call to the bank 's legal department was denied. Wells Fargo Bank will not permit me or my attorney to speak to their legal department, I was told only bank employees can do that. Instead I or my attorney can WRITE A LETTER to them. The issues that I want resolution on and I am alerting the CFPB of are as follows. 
1 ) WELLS FARGO BANK must permit me to act on the Small Estates Affidavit by removing the assets and closing the checking account. 
2 ) WELLS FARGO BANK appears to be drawing out this process by not informing me of all the requirements at once, instead, repeatedly informing me of another requirement after I meet previously stated requirements. 
3 ) WELLS FARGO BANK was not forthright when it initially refused the Small Estates Affidavit, informing me the account value was too high when in fact the value was far below the State of XXXX limit. 
4 ) WELLS FARGO BANK is impeding a resolution by denying me and my attorney the ability to speak to the legal department directly. By all appearances Wells Fargo Bank is attempting to slow the path to a resolution with intent to hold onto my parents ' assets longer than legally justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My home was foreclosed on over 7 years ago. I worked for the lender that did the mortgage and lost my job in the financial crisis. I have been disputing information on my credit file for years to no avail. The bank ( Wells Fargo ) is reporting XXXX loan multiple times as well as a collection agency that is reporting the same loan so essentially I a being hit XXXX times for the same mortgage. I have also waited the 7 years statute of limitations and the trade-lines are still being reported on my credit file. I have disputed multiple times with both the lender and credit reporting agencies

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: POM Recoveries, Inc.
State: CA

Complaint narrative:
I received repeated voicemails on my cell phone from a number that just showed up as XXXX and said that i had outstanding debt and needed to call XXXX XXXX at XXXX ext XXXX referencing account # XXXX and Pin # XXXX. 

I called the hospital ( XXXX XXXX in XXXX, VA ) and they said i had no outstanding payments, so i finally called XXXX and told her that. She was able to tell me the name of the doctor i saw in XXXX and said to call them to verify the supposed {$350.00} bill that was outstanding. She also had my home address and did not offer up a website to provide payment when i asked, but instead wanted me to pay online. I called the doctor 's office and they had nothing on file either so i called XXXX one more time and she then gave me the number of the hospital 's supposed billing system ( XXXX ). When i called this number, it was a menu of options with a foreign accent but otherwise official recording that mentioned free online bill pay. When i finally spoke with an agent, I did not give any information, but asked to be transferred to make an appointment ( to test the authenticity of the person ) and they were unable to transfer me. Then I said i did not believe they were who they claimed to be and they quickly hung up. 

Please take action to stop this group from frauding others! It was clearly a sophisticated scheme and they need to be stopped!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
After discovering several TILA ( Truth in Lending Act ) violations concerning the loan transaction, being unable to obtain a certified true and accurate original promissory note from the alleged owner of the loan, in addition to a fraudulent assignment filed with the county clerk : in XXXX XXXX, XXXX I exercised my right of rescission pursuant to TILA 15 USC 1635, Regulation Z 226.23. Under federal law the security deed has been extinguished and interested parties ' rights under the security deed have been terminated. Any security interest or other interest held by XXXX 'S WHOLESALE LENDER and/or XXXX, XXXX and/or XXXX XXXX XXXX, XXXX. and/or XXXX XXXX XXXX XXXX XXXX XXXX as Trustee For the Certificateholders XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates Series XXXX and/or other known and unknown entity is VOID upon my rescission. See 15 U.S.C. 1635 ; 15 U.S.C. 1611 ; Regulation Z 226.23. These parties mentioned have NO interest or successor-interest in my property as those claims were waived by non-response and failure to file a complaint within 20 days. The parties also failed to return the original note marked cancelled and cancel the security deed and recorded in XXXX County, GA and return all consideration paid by me within 20 days of receipt of my letter 15 U.S.C 1640 ( a ). 
As of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX retained XXXX XXXX, XXXX of GA to act as agent to foreclose on my property with the sale scheduled on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I sent a certified letter to the law firm and XXXX XXXX to cease and desist any collection attempt, including but not limited to any attempt to foreclose on my property. Any attempt to collect under the non-existent deed of trust and mortgage is a violation of federal law. All instruments with my name have been properly RESCINDED and are VOID. As of XXXX XXXX, XXXX, the foreclosure sale HAS NOT BEEN CANCELED. XXXX XXXX is acting as debt collector in violation of the FAIR DEBT COLLECTION PROCEDURE ACT 1692 ( g ) Section809. On XXXX XXXX, XXXX via email, XXXX XXXX stated that they have no right to make a claim or successor-interest in my property. Again cease and desist! 
A report was filed regarding this RESIDENTIAL MORTGAGE FRAUD pursuant to OCGA 16-8-102, 16-8-104 and 16-8-105 to local law enforcement and elected officials as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
Today, I received an email from a valid western union email id that I have made a money transfer from XXXX to XXXX. All the personal information given in the email is correct like my name, my email id. The postal address which is given in the email is the one where I used to live last year, also the phone number is my previous phone number. However, the credit card given in the email is not mine. So in summary, someone is using my personal information and his/her credit card to make a money transfer. 
I want to add here, that last year when I was living at the postal address mentioned in this email, I made a western union transfer, so what I am suspecting is that the personal information collected at that time is being used now to make this fraudulent transfer. 
Kindly investigate in this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Yesterday I received my monthly mortgage statement from Seterus and the amount due had doubled. 

Last month the amount due was {$400.00} and for XX/XX/XXXX the amount due is {$990.00}. No explanation for the increase was included and the account is current. To my knowledge I have never paid a late fee and have paid down the principal with almost every payment. 

This is a variable loan. No prior letter was sent that the rate adjusted from XXXX % to XXXX %. In the past I got a letter explaining why the rate changed and even if it did not change they sent a letter confirming the interest rate. 

The principal amount due increased {$530.00}. This huge increase came with no explanation or description of any kind. 

At the time I took out this loan with XXXX XXXX XXXX this balloon increase was never told to me. I clearly remember seeing a diagram in the loan documentation that showed the rate increasing - I asked about this and was told this was an example of the variable rate increasing. 

I was never told this was a time bomb loan - I was told it was principal only loan and if I did not pay it off by the term of the loan - I would have to refinance the property. 

Seterus purchased a loan with a time bomb in it and never gave me advance warning - beyond 45 days of XXXX rate increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I am filing a complaint against a debt collector PATENAUDE & FELIX, A.P.C. 
This company is harassing me for a debt that has an expired statute of limitation. 
They have sent me a summons to appear in court. 
Attorney At Law : XXXX XXXX XXXX : XXXX Ex XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc.
State: IL

Complaint narrative:
I 've registered my number and informed this monarch recovery to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NM

Complaint narrative:
Due to XXXX, XXXX & loss of jobs we could not make our house payment. We had a loan with XXXX and a XXXX loan with XXXX XXXX ( {$25000.00} ). We talked to our realtor who said to do a shortsale. She listed in XX/XX/XXXX at {$85000.00} ( XXXX shortsales in the neighborhood ). We received {$120000.00} which the buyer agreed to. She waited a month then terminated because she found another house that was not in shortsale. The house went back on the market and we received an offer XX/XX/XXXX for {$120000.00}. On XXXX XXXX notified us that the servicing of our loan was being transferred to Bayview Loan Servicing LLC on XX/XX/XXXX. But then moved it back further to XXXX. So we could not do anything during that time. Since we have been working with Bayview we had XXXX different negotiators in 5 months. We have had a qualified buyer since XXXX who still wants the house. Bayview has had an investor who still to this day has not said yes or no to the loan ( XX/XX/XXXX ). This company has called and harassed us and more important has called and harassed our parents who have nothing to do with our loan. If they needed paperwork XXXX has everything they need. She has been working on this offer for 8 months along with our Realtor. XXXX had been calling our Realtor each week to make sure the house was in pending and still going through. On XXXX our Realtor went to check on the house and found a flyer on the window from XXXX saying they were going to board the house up and change the locks. Our Realtors sign was out front in plain sight and had a sign saying " contract pending '' along with a lockbox for agents to get in. She went to XXXX and tried to find out what was going on. She did have a loan officer call someone to notify them the house was in pending. Bottom line is we have had a qualified buyer for over 5 months and the offer is being sat on! They could have their money and we could sell the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WESTERN UNION COMPANY, THE
State: KY

Complaint narrative:
Received a Western Union money order that I ca n't deposit for XXXX days. Says I have to wait XXXX hours. I was under the impression that money orders are prepaid and available right away. I 've searched the internet high and low for anyone else encountering the same thing. Found nothing about this, nothing on Western Unions website ether. Everything I did find read like it should be available right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
I have submitted a cease and desist letter on XXXX/XXXX/15 and have asked the lender ( Cash Central ) to cease all debits of my checking account on XXXX/XXXX/15 with XXXX XXXX XXXX XXXX XXXX South Carolina XXXX. Cash Central did not honor my request to stop all debit transactions and have not honored my cease and desist. Lender has contacted me after acknowleding that they have received my cease and desist letter. They gotten it via email on XXXX/XXXX/15 and have contacted me by telephone on XXXX/XXXX/15 at XXXX and have also emailed me on XXXX/XXXX/15 at XXXX. They have also debited my checking account after I requested that they no longer debit my checking account for funds. Since then. I have contacted my bank and have filed an unauthorize transaction for my account. On today, the payment made to Cash Central was reversed by my bank. Again, Cash Central has not honored my Cease and Desist. Please advise on moving forward and steps to take civil and/or criminal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
I owe a hospital bill of some sort from the past and the company keeps threatening me that it will go on my credit report if I do n't pay them their money on time or if I do n't use auto debit from my account they keep daring me to miss XXXX payment. They call days before I even have the money to try to get it early from me. Although I 'm going through hardships at this time. They still call and call and harass me. Sometimes I feel like they are going to kick my door in. I also lose sleep due to the harassment and i stress a lot because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
The servicing of my mortgage was transferred to Bayview Loan Servicing XX/XX/XXXX. The loan is a 10 year interest only note that originated XX/XX/XXXX, with the interest only period beginning XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX Bayview sent me a notice stating that the interest only period of the loan had expired and payments were now required for principal and interest. I contacted customer service and notified them of the error in servicing, the customer service representative reviewed the note and amortization schedule and created a case for review agreeing that the loan was still in the interest only period. On XX/XX/XXXX, I received a letter from Bayview providing all of the supporting documentation with the section stating the interest only period started on XX/XX/XXXX, then concluding that the XXXX period interest only period has expired. I have spoken with multiple supervisors who have all committed to resolving the issue, but the issue has not been resolved. It is hard to believe that this company can stay in business with the demonstrated level of incompetence, which brings the concern that they are in fact maliciously mis-servicing loans to fraudulently force people out of unfavorable loans for the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
i have a payday loan which went into collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX file # XXXX.orignal debtor was checksmart financial co inc, california check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stephens and Michaels Associates, Inc.
State: FL

Complaint narrative:
A man named XXXX XXXX from Steven and Michealson Associates keeps calling me regarding a debt that I do not know anything about. He keeps persistently trying to tell me that I work for some company that I DO NOT WORK FOR! He is harassing me and my family. He calls numerous times despite me informing h I do not know what he 's talking about. He leaves numerous voicemails daily on my personal cell phone. This is outrageous and needs to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
my mortgage was sold to bayveiw loan servicing about 14 months ago they doubled my payment because they miscalculated my escrow I was told to fax a letter requesting an escrow analysis I did and they said 30 days later they did not receive the fax It took almost 8 months to get it straighten out They would not allow me to talk to the escrow dept. XXXX XXXX I switched checking account and faxed them letter and voided check on new account and now XXXX they again have no record of it. They tod me in the beginning I could not e-mail the info and now they tell me I can they also will take the new routing # and account # over the phone but will not stop the payment from the old account. They are making it hard for me to make payments on time and there customer service is to there advantage I 'm paying fees for there lack of customer service and also there reporting late payments to them when it is there service that is causing payments to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NV

Complaint narrative:
Cash Central at XXXX XXXX XXXX XXXX, XXXX UT XXXX phone XXXX XXXX XXXX obtained a HARD Inquire from my XXXX credit files on XX/XX/XXXX without having my application for a loan fully completed. I could not provide XXXX references in order to have my application fully approved to procede with the application for a short term loan ; consequently, my application NEVER was approved. Cash Central decision to traspass my XXXX files with a HARD inquire had damage my financial needs since a HARD inquire had lowered my CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
I had a loan with XXXX XXXX XXXX and recently transferred to Bayview Loan Servicing. 
I had received an Agreement from XXXX XXXX XXXX to be approved for the Home Affordable Unemployment Program as of XXXX/XXXX/XXXX to begin XXXX/XXXX/XXXX. I have been unemployed since XXXX XXXX, XXXX. The loan transferred to Bayview Loan Servicing on XXXX/XXXX/XXXX, and now they are NOT wanting to honor the 6 months Forbearance ( Affordable Unemployment Program ). As far as I understand the Making Home Affordable guidelines, the new Servicer is to honor any agreement previous to the account/loan transfer. Please help me settle this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc.
State: NJ

Complaint narrative:
The debt is in accurate and the collection agency can not validate the debt or that they can collect on it. The service provider can not provide a signature that i accepted services

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Cash Central is sending me collection emails at XXXX XXXX which is against FDCPA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc.
State: NV

Complaint narrative:
Debt was incorrectly billed. VA rejected payment based on " fee basis '' when it should have been billed as a diversion from their over-capacity facility.

Company response to consumer: Closed with explanation