vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XXXX/XXXX/2006 I bought my home, the 30 yr. loan amount was for {$160000.00}. Ten years later I still owe {$160000.00} after paying over {$100000.00}. A few years back I had some heath issues and fell behind in payments and Wells Fargo offered me a modification which also extended the loan to forty years. I was on XXXX at the time but was desperate to save my home. After my head cleared and it set in what I had done I figured that was that. With Wells Fargo being accused of so many shady practices I thought that I would check to see if I had any options. Any help would be much appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan.

Company public response: Company chooses not to provide a public response
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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My county tax office had not received the data to change the tax rate of my residence. I rectified this issue and sent the refund check to Wells Fargo to put in the escrow account. I went down there with the receipt of this check and explained that my escrow account needed to be adjusted for this tax change. They assured me that in the mass re-analysis on XXXX XXXX that this would be reflected. While the re-analysis has been done, and my mortgage decreased by XXXX dollars, it did not reflect that change in expected real estate taxes. This means that for 1.5 months I paid XXXX dollars more per month on my mortgage, and with this change I still pay XXXX dollars more per month on my mortgage ( the only change reflected was the refund check going into the escrow account ). I did everything within my power to give them all relevant information regarding the updated tax rate, and it is still not being reflected. This is undue hardship to expect me to pay more mortgage when I have evidence and presented it to a wells fargo office which indicates that their real estate tax expectation is incorrect. Furthermore, Wells Fargo has now twice changed my mortgage without notifying me in any way of my account needing attention or my payment being changed. They should give consumers as much warning as possible that a change is going into affect and give them options as to how to mitigate this ( i.e. one time payment, or mortgage payments increased ). It also causes un-due hardship for the lender to postpone a re-analysis of all mortgage accounts until XX/XX/XXXX. They received the updated real estate taxes in XX/XX/XXXX. If they are n't going to alert the consumer to the potential need for a one time payment, then there is no reason to wait 4 months into the new year, with the account being behind, to re analyze the payment. Now the payment increases even more because it has to make up for the negative balance in addition to the increased expectation of the escrow account. Wells Fargo should take steps to ensure that the consumer is aware that their mortgage will change, and also to ensure that they make changes at the most appropriate times in order to affect consumers the least. How Wells Fargo handled this situation could definitely cause a less sophisticated consumer to default on their loan payments, and even when I brought all relevant documentation, they have still failed to rectify the situation.

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 2015-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am currently in the process of obtaining a new home loan XXXX I disclosed to them that I filled for bankruptcy XX/XX/2013, and that at no time was my current home mortgage included in that bankruptcy. I continued to make timely payments throughout. The Bankruptcy has now been discharged and I am in the process of buying a new home. During the process of obtaining the new loan XXXX has found that the loan holder of my previous mortgage ( for which the property is now a rental and I still own it ) was not reporting my payments to the credit agencies and the agencies are reporting it as foreclosed. This is absolutely incorrect. I have asked that the loan holder ( Wells Fargo ) update this information to the credit agencies showing that I have made timely payments, and have remained current throughout the duration of the bankruptcy and afterwards. I have all supporting documents showing payment history and a letter from my XXXX Attorney stating that the mortgage was never included in the bankruptcy to begin with. After 6 weeks of back and forth with WF they say that they have removed the dispute, but they will not confirm this to the credit agencies. My new home is ready to move into, but I can not due to my information being erroneously reported to the credit agencies and WF 's unwillingness to help correct the matter. They insist that is up to the credit agencies. I am now 1 week homeless and no closer to closing on my new home. I need help in having this matter resolved in a speedy manner, please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo allowed an unknown fraudulent individual to open a checking account in my name without verifying or confirming their identity. I notified them and they assured me that they would complete an investigation in a timely manner ; however it has nearly four months since I reported this and they have failed to contact me. Not to mention that financial loss that I have suffered which includes my personal time. Additionally, the bank has been sending me harassing notices stating that I owe them money for the account being overdrawn which is illegal.

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 2017-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo has a HELOC attached to my home at XXXX XXXX XXXX XXXX XXXX, XXXX CO XXXX. The draw period has ended ( 10 Years ) and now Wells Fargo has offered a 30 Year Fixed repayment period at XXXX as of XXXX/XXXX/2016. It turns out that in addition, they charge a per diem rate of XXXX daily on the account as well. This is usurous and I can not afford it and it was misrepresented to me. I was told by customer service as well as letters that I would now be responsible for a monthly fixed payment of {$620.00} per month for 30 years and that would repay the loan in full. I do n't see how this can happen if there is also a monthly accrual of daily interest being collected as well. When asked for a copy of the amended note to the line of credit, I was told no.

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 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo Mortgage sold my home at a foreclosure sale after denying my attempt to reinstate the loan with the exact same information that was used 30 days previously. The ongoing attempt to modify the loan was denied because a utility account listed the address of service but the bill was mailed to a P.O. Box. the P. O. Box in question is the same address listed on my account information with Wells Fargo. It has been my primary address throughout the term of the loan. I have moved from the house. It was vandalized and destroyed by fire. The house was basically a total loss. I will receive no compensation. I have received information about a Class Action suite involving Wells Fargo. This is but one of the many cases that Wells Fargo has been involved in over the years which is verification of their unethical practices.

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 2015-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: GA

Complaint narrative:
Contacted ERC directly and via CFPB regarding a debt that was not mine after I received a letter in the mail. Within XXXX hours of receipt, I contacted ERC by phone and by mail indicating that this account was a result of theft and I had no knowledge of the account. I provided a police report and FTC affidavit. I was I was told that this issue was resolved ( ERC also indicated such via the CFPB complaint that I filed ), yet ERC just placed a collection on my XXXX report for the same amount but with a service date of XXXX 2015-XXXX 2015. This is not correct as I have never had service. A police report has been provided and it has already been removed from my report once.

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 non-monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
The name of the company is ERC and they keep calling me after I have asked them several times to stop calling me.They are calling about a relative of mine who does not live with me and is not at my address or my phone number.But they keep calling.The lastest calls all all automated with a message to call them and a reference number thens hangups.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-04 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I have made numerous attempts requesting the validation of the debt. I have requested in writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I will need to send you the information because it takes place over several years and will not fit in this space. Happy to provide it, just not enough room here. Thanks.

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 2017-03-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have no contract with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
My automatic payment from XXXX Bank to Ditech Financial was not applied to my account on XXXX XXXX for XXXX XXXX 's mortgage payment. I was not aware of this until XXXX XXXX. I had XXXX Bank fax over proof of payment on XXXX XXXX. After contacting multiple customer services representatives, including XXXX XXXX, my first account supervisor on XXXX and XXXX. I was told it was being processed. XXXX Bank resent the proof of payment as we were told by XXXX, a customer service rep, that the original was unreadable. This was done on XXXX XXXX. After speaking to XXXX in South Dakota ( XXXX, his supervisor sent an e-mail to expedite this ) on XXXX XXXX and XXXX in XXXX on XXXX XXXX, I was told that the ball got dropped and they are now processing that payment. Finally, as of XXXX XXXX, the payment was credited to my account as an " unapplied amount. '' My payment history is now showing a missed payment for XXXX XXXX rather than applying the misapplied amount to that payment. As a result, I am now receiving collection notices via phone, mail and on my front door for a missing payment that was never missing. I have also continued making on time payments since that date and my account payment history reflects this. My current statement shows my next payment is due XXXX XXXX and I assumed my account was current. However, the collection notices are still being sent and I am worried about the effect this will have on my credit as well as my peace of mind. There are many notes attached to my account at Ditech that support the fact that the fault of the missing payment is not mine and the customer service reps have all validated this. However, the collections department does not seems to be aware of this glitch.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 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: ERC
State: NY

Complaint narrative:
Enhanced Recovery Debt collector re-aged a debt that had been placed over 8 years ago and lists it as new. XXXX rejected the complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
I receive several automated phone calls a week from Enhanced Recovery debt collectors. They do not name the person who owes the money. I do not have any overdue debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: National Check Bureau, Inc.
State: MI

Complaint narrative:
Hello how you doing? I am XXXX XXXX I had combined our debt from XXXX credit card company in XXXX. The amount I alone started to owe was {$18000.00}. {$9000.00} of it was mine and the other {$9000.00} was my wife 's. All that was from XXXX. Currently the National check burea bought the debt some how. Now they asking {$100000.00}. In XXXX they intercept my tax return from federal government. In XXXX they asked the Judge to allow garnishing my bank accounts. I am willing to settle the original amount we used in XXXX with a deep percentage off. They insist on getting half. Their attorney is XXXX XXXX. I do n't know about any law that allows this kind of hunting. They do not show on my credit report. My fear is they attack another bank account I own or worse make me sell something I have. My lawyers are telling me to file bankruptcy. I want this debt forgiven because of how old it is. Any way to avoid letting them have so much money is going to solve this issue. ( Help ) XXXX thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-30 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: ERC
State: TX

Complaint narrative:
This be on my credit reports. It is not anything I know of. Never wrote me, just put it on my reports.

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 non-monetary relief
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was contacted by phone from XXXX right before or around the 7 year date of past due payment to Citizens Bank VISA. I owed approximately {$9000.00}. They did n't tell me I had a right to dispute. They offered for me to settle with them at a reduced rate, of which I had no funds to provide. They said I could work out a payment plan monthly. I told them I could n't afford to pay much back in payments monthly because since XXXX I had been on XXXX. I also told them I know it is my responsibility to pay it back. I wanted to pay it back too. Then I told them I was n't working and had no idea when I would be returning to work. I have n't had substantial earnings having tried several places of employment only to have symptoms return and have to quit the job. Holding employment PT for 6mo or less. I 'm working now since XXXX of XXXX at only XXXX a week as that is all my XXXX and I know that I can manage. 
For the month of XXXX XXXX XXXX did n't take my auto-pay payment and did n't contact me. This payment is taken on or about the XXXX of each month since, I think, XXXX XXXX. I have paid back close to XXXX already. They may have not taken auto-pay because in XXXX I reported a lost or stolen debit card and the XXXX sent me a new one with different debit card #. I called to explain this to XXXX on XXXX/XXXX/XXXX after receiving my XXXX statement but I could only leave a message as the call was n't taken from me. In addition, I called to let XXXX know that I have recently found out that they can not collect XXXX for payment of collections. I am fearful they will take more money from me now that this month of XXXX XXXX the {$150.00} garnishment from my Bank account was not processed, which they may believe is intentional on my part. This would break any phone agreement we made in XXXX. 
I 'm also contacting you to ask, " Can they take this money from me legally? '' And, " Who can represent me if they are n't allowed? '' Thank you for reviewing and responding to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposit a check payable by XXXX Bank and issued to me XXXX using a Bank of America ATM on XXXX15 to my Bank of America account. I checked my account on Saturday and it reflected no hold on my account. This morning XXXX/XXXX/15, I logged into my Bank of America account stating a hold was placed on my account and I was being notified by mail. Meanwhile I have a contractor coming to my house that I need to make a payment so he can start repairs to my home. That check I deposited is for the repairs to m home. I called Bank of America I was told the funds would not be available until XXXX/XXXX/15. I was under the understanding that banks are not allowed to hold funds for that long.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Citizens One Auto Finance which is my lender has been charging late fees, stating they did n't receive payments for certain months. Or stating they received partial payments and reporting falsely to our, ( my husband and I, joint account ) credit bureaus. We have sent them bank receipts, We have told them we did n't make payment amounts they have us down as making or the dates they have recorded for us. THEY said we have contacted them 8 times and the matter is closed. They sent someone else information to us once. THEY have missing payments on history list, they have sent us. We have sent bank receipts for these missing payments and asked where is the money we paid to them. They just said their records do n't match ours and that the matter has concluded and is closed. {$480.00} is due by the XXXX of each month. We also have a XXXX day grace period before late fees are due. We always send payment by XXXX of month in amount of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ERC
State: VA

Complaint narrative:
I did n't have the money to pay the bills at that time. I 'm willing to start a payment process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: NJ

Complaint narrative:
Enhanced Recovery Company, LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief