vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was invited to open an checking account with us bank, and get {$200.00} bonus if meet the spending requirements. 

After I met the requirements and waited for 5 months, the bonus still does n't shows up. 
Tried multiple calling with customer service, branch representatives without solution.

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 monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I feel that I was given bad information and encouraged to put my student loans in forebearance, rather than other reasonable options, income driven payment, nurse loan assistance etc. I was never given information and encouraged into forebearance, now my interest and student loans are well out of control in excess of {$450000.00}! I feel lost, a victim, scared for my family 's finincial health etc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
First wells fargo sent me a denial letter. Upon calling to inquire they asked me for a copy of my social security and bank statements, upon providing that and calling them the representative told me because i am mot a US citizen i cant get the credit card. I have a good credit history and lots of other companies have offered me credit total of almost 9000 $ not even one late payment. After waiting and wasting so much time they told me you are not eligible because you are not a citizen or permanent resident which makes me really upset. I hace been living here for 5 years which makes me a resident of state of texas. If that was the case why they dont have it in writing where they ask for country of citizenship while applying. Looking for your kind cooperation kindly help me. They also have a hard inquiry which will effect my credit score as they are denying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX We started a short sale with Wells Fargo on XX/XX/XXXX. 

On XX/XX/XXXX we called Wells Fargo. The rep stated the re-entry team called homeowner on XX/XX/XXXX to perform a phone interview, which is required before they will do anything with this account. The homeowner did not answer the phone and Wells Fargo did not bother to leave a voicemail for them. -- -The homeowner had no idea that Wells Fargo needed anything. 

I tried to call the re-entry team, at XXXX. I was on hold for 30 minutes and call disconnected. No one answered. The homeowner would have been unable to call in, even if they had been asked to do so. 


Why is Wells Fargo refusing to communicate their requests to the homeowner? 


Why does the re-entry team just disconnect the call after waiting for 30 minutes?

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 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
1 ) I have a mortgage for a Rental property with MR. COOPER fka Nationstar 2 ) I was paying my mortgage religiously every month. 
3 ) Last month they increase the mortgage amount for more than {$400.00} dollars. I call questioning that they claim that was do it to raise in property taxes and also raise in Property Insurance. The property taxes claim is not accurate, for the contrary the taxes in the property have been reduce. In reference to the Property Insurance, it went up only {$200.00} in this amount if distribute on 12 months will be only {$17.00} more in the mortgage per month. 
4 ) I call them last month XX/XX/17, express my concern and they refuse to review the situation, instead try to convince me into refinance, with the inconvenience for me that the refinance will represent an extra $ XXXX in debts for me. 
5 ) I mailed to them the check for the amount that I understand should be my monthly mortgage as per them the check was returned. I do not received back. I was under the impression that they were working to resolve the situation, WRONG.

6 ) Yesterday, I try to log into the company website to pay my mortgage online, I was not able to, I do n't know if that was done in purpose. Then, I called and try to pay the amount I understand is my obligation, the system do not allow me to, they are demanding the full a amount and claiming that they do not cash the previous check. 
I desperate need some help with this matter, due to this action my credit will be ruined, I can lose that property which represent my life time saving and my health can be affected ( could not sleep the whole night yesterday ). I have a medical condition ( XXXX ). 
Please help me to resolve this situation. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
This is a Supplement to existing Claim XXXX currently pending before CFPB. Upon my filing a complaint, Citibank now has referred a failure to pay to the credit reporting agencies in retaliation for my filing a complaint. They call my office and cell phone on a daily basis demanding payment that is not due.

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 monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is an addendum to the complaint submitted XX/XX/XXXX ... # XXXX. 

Today, XXXX, I received an official Notice of Default in the mail from Shellpoint 's attorney ... XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. 

Shellpoint is in violation of law in the State of California on two counts. 

1. Dual Tracking. I have been going through the loss mitigation options with Shellpoint and sent all the requested documents for a loan modification. I was never given an answer on this by Shellpoint and they were pursuing foreclosure without ever giving an answer. My original request was for forbearance due to financial difficulties and was never given an answer on this either.

2. Violation of Notice of Intent. A letter dated XXXX was received from their attorney saying they were going forward with foreclosure. But they had filed for notice of default on XXXX, filing before they even sent the letter of intent. Plus, they are required to wait 30 days after the Notice of Intent to file the Notice of Default. 

Shellpoint will not even acknowledge receipt of documents they requested of me for a loan modification. In fact, they requested the same documents more than once, even after I complied with the original request. 

Aside from this complaint, I have sent Shellpoint a QWR asking for answers. I am in the process of drafting a complaint with the attorney General of the State of California for violation of California laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
I returned modem/router to XXXX XXXX 1 1/2 to 2 1/2 years ago but have maintained their internet service until late XX/XX/XXXXI did so with my own linksys router. The XXXX modem/router ( that I returned ) lacked the security that I required. 

I paid all service fees and thought I was free and clear. 
They claim that I never returned modem/router and that I owe approximately {$120.00} for a modem that they lost. 

In XXXX of XXXX I disputed the non-returned modem. XXXX XXXX launched an investigation and concluded that the modem was never returned ; and I have to pay {$120.00} or give the modem back. 
I told them I was not going to pay for something I returned. They said I left them no choice but to send me to a collection agency. 

In mid XX/XX/XXXX I received letter from Diversified Adjustment Service indicating that I owed {$120.00}. I called Diversified in the first week of XX/XX/XXXX and told them that I dispute the claim. She noted the dispute verbally and said that she would get verification. I explained the situation and that I was not going to pay for a modem./router that I know I returned. I asked her if she would pay if she were in my situation. She responded that they would hold the money as a credit until the issue was resolve. I responded with ; your asking me to trust a company that has already misplaced a their own equipment? No, I am not going to pay for the mistake of somebody else. 

Today, XX/XX/2017 I get another call from Diversified telling me that I owe XXXX dollars. Again, I said I dispute the charges. This time she said that she could reduce the charge to {$70.00}. Again, I said would you pay for something that you knew you returned. She said she might. She knows collection agencies : they will keep calling and will notify credit agencies. I said that was criminal ... That 's extortion. She sensed my anger rising and said goodbye.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a loan for a heating/air conditioning system I purchased in which XXXX XXXX XXXX XXXX XXXX ( to be referred to as Wells Fargo going forward ) was the financing source. The company I purchased thru was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several month 's later we had Hurricane Irma come thru XXXX, Fla. and I was impacted financially by the storm enough that I called Wells Fargo to get relief on not making the $ XXXX monthly payment for at least 1 month. The customer service person on the phone with Wells Fargo stated she would put the request in and advised it would take approx. 60 days to get an answer. I told her to note I would not be making that month 's payment. 
I thought that answer was rather odd, so I called a few days later and spoke with another customer service rep. at Wells Fargo and pretty much had that information confirmed. 
I received a letter from Wells Fargo approx. XXXX XXXX ( after I had made that month 's payment ) that stated they were giving me a 3 month suspension on my payment. ( letter is attached ). 
The verbiage is as follows : This letter confirms our agreement to suspend your monthly minimum payment on the above-referenced credit card account for a period of 3 months. Your next payment will be due on XXXX XXXX. 
During the 3-month period : Your minimum payment due will be suspended Late fees will not be assessed Credit Bureau report updates for your account will be submitted to reflect this relief period. 
Interest will not accrue or be assessed. 

I get my billing due for XXXX XXXX and to my surprise they are requiring a {$230.00} minimum payment and had also charged interest of {$42.00}. 
This does not back up what the letter stated. 
I called customer service on 2 occasions and neither agent had a clue what I was talking about. 
I also called 4 times, XXXX XXXX ( she signed the letter of suspension of payment ), and to date I have not had a requested return call or email response. 
This whole situation is, I fear, going to open up a whole big can of worms with late fees being assessed and derogatory remarks put on my credit report, all for a Wells Fargo screw up. It seems one hand does not know what the other is doing and I need the CFPBs help. 
I will be making my minimum payment of {$140.00} on XXXX XXXX as agreed from my original contract. Who knows what actions this will start so I want to get this under control before it gets out of hand. 

AS AN ADDED NOTE, I WORK FOR THE XXXX in the XXXX XXXX XXXX.

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 monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
There is a collection listed which is outdated, false and not verifiable which is ARC for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: IA

Complaint narrative:
In the state of Iowa, debt collectors are restored by law to state, " This is an attempt to collect a debt. Any information collected may be used for that purpose. '' This caller, Williams and Fudge, initially contacted me on XXXX/XXXX/XXXX, and did not state that legally obligated statement. Instead, they acted like they could not hear me and repeatedly asked if I was a certain person. I answered yes, and they immediately hung up. What has followed has been months of phone calls from spoofed local numbers ( including my own number calling me ), from Williams and Fudge : Dates and number of calls : XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 7 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 1 They have now added a relatively small collection amount to my credit report without ever having notified me that such a debt was owed. I believe my rights have been violated by Williams and Fudge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I reached out to the XXXX XXXX several times over the last year. I have asked them for proof of this debt ; I have asked them for proof that I owe them ; I have asked them if they are license to collect this debt ; I have informed them that this debt does not belong to me. This company has refused to respond to my request. This account should be removed from my credit reports immediately. This is a violation of the FCRA. This company should be fined for not yielding to the federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This is an ongoing issue with the Mortgage Company. I have never missed a payment, however Ocwen continues to show my mortgage as being delinquent. They continue to add an Escrow account stating that insurances were unpaid. About a month ago, when we seemed unable to resolve, we called Ocwen with our Insurance representative on the line. At that time Ocwen agreed that our insurances were paid up, we were not past due on anything and they returned an overage amount that we both agreed they owed us. To date, Ocwen still has our loan listed as due for XXXX. They are saying the last payment was received was XXXX/XXXX/XXXX and next payment due is XXXX XXXX, XXXX. They returned am amount equal to the monthly mortgage payment in XXXX. We have never missed a monthly payment and have our bank statements to prove this fact. This has been an ongoing problem with Ocwen and we have wasted time and money trying to settle these challenges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: NM

Complaint narrative:
In XXXX of XXXX I purchased a diamond ring from XXXX, I put down XXXX XXXX dollars on that ring and my payments were XXXX a month. I put this account on auto pay. Account number XXXX. I put this account on auto pay. I was never late for more than two years, they sent me a payment book, so on the last payment in my book I made the payment then closed out the account. A month later I recieved a cll from Monterey stating I owed them one more payment at a balloned cost to close out the account. They advised me because it was the last payment I had to pay more to close out the account. I advised them I still have the payment book in my possesion, and I did in fact make the last payment. I tried to settle this account at the payment I had before I closed the account. Monterey advised me they would not except that payment. I did not recieve anything in the mail advising me I had another payment, and I did not recieve anything in the mail about the last payment being larger than the origanal payment of XXXX. I finished paying on this account in XXXX of XXXX. I was never late and I never spoke to Monterey for overr two years until the last payment issue came up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I was forced to report a fraudulent customer satisfaction cashier 's check to the Consumer Protection Division at the Mississippi Attorney General 's Office. I am currently awaiting response from XXXX website as instructed in previous communication with Wells Fargo who provided the cashier 's check signed by XXXX XXXX. 

I was ordered by XXXX XXXX XXXX XXXX to stop communicating with the bank and a supporting letter was sent from the XXXX Department who previously refused to fully examine my concerns about switching my savings account with a withdrawal regulation to a checking account with unlimited withdrawals. The change ultimately resulting more than {$14000.00} drawn from the XXXX XXXX Account set up with Wells Fargo to temporarily pay some medical expenses. 

Since I was ordered to cease communication with the bank I am requesting our state become involved in the mediation process. I would like to go on record and state I have not accepted the check as any form of settlement in the unauthorized account change and want this complaint to clearly state the efforts made to honor the cashier 's check were fruitless and still have not cleared the Wells Fargo account. 

I included two XXXX XXXX receipts showing attempts to honor cashier 's check after bank verification on the number printed on the front of the check.

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 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
I opened a Banco Popular sponsored credit card offering 65,000 miles to XXXX XXXX after paying a {$140.00} fee and making an initial purchase. 

The card was opened on XXXX XXXX XXXX and I spent around {$900.00} plus they deducted the {$140.00} annual fee immediately. I made my payments on time and did n't use the card since. The spending commitment was made on time. 

After not receiving the points by XXXX XXXX, I called Banco Popular at the number on the back of the card ( XXXX XXXX XXXX. I was informed that the points will show up in the avianca lifeMiles matter of weeks. 

After not receiving any points as of XXXX XXXX, XXXX I called Banco Popular and spent appx 40 minutes being passed around with only, this is the wrong department, your account has been closed. 

I checked with XXXX XXXX and saw that Banco Popular closed my account in late XXXX XXXX. I received no refund on the {$140.00} annual fee, and was not informed that the card was cancelled in any way ( such as a letter informing me XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
got gift card from friend. Used it today at XXXX XXXX.  meal with tip came to {$8.00}. 

Verified charge correct with XXXX XXXX in amount of {$8.00}. 

Contacted uS BANK and they said their XXXX card adds 20 % to any charge at restaurants. regardless. NON of their packaging states this ANY where. 

This is a deceptive practice and a form of fraud. Regardless of the fact that they will correct the dispute AFTER 8 WORKING DAYS. WHAT A RIPOFF. 

WHAT A XXXX RIPOFF!!!!!!!!! 

I HAVE CONTACTED ALL MY FRIENDS AND ASSOCIATES OF THIS DECEPTIVE PRACTICE, AND ADVISED TO NO LONGER USE ANY VISA GIFT CARD FOR ANY PURPOSE.

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 2017-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Have been charged by XXXX for credit card protection without me signing up for the program since I opened my credit account.

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 2017-12-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I XXXX XXXX XXXX have been receiving debt collection letters for over a year now for a property that was awarded to my EX-WIFE in the divorce. she let it become repossessed and is refusing to pay the debt for the property which has now gone to collections. Since it was her as awarded by a judge in the divorce proceedings the debt is hers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation