vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I requested a mortgage modification on my first mortgage with Wells Fargo XX/XX/XXXX. When I started the trial period payments XX/XX/XXXX I was at most 45 days late. I proceeded to make all of my trial period payments either early or on time each month for the duration of the trial payment period which lasted approximately 7 months until XX/XX/XXXX when the modification was finalized. However, even though all of my payments during the trial mortgage modification were either early or on time Wells Fargo Home Mortgage is reporting me 60 days late for several months during this timeframe most recently XX/XX/XXXX and XX/XX/XXXX. They continue to report this inaccurate information even though I have utilized the credit report dispute process as well as the internal Wells Fargo investigative process. I have provided them dozens of pages of statements and payment confirmation numbers for the months in question and each time they just come back and say they are reporting correctly. However, they never provide me any hard data that shows I was late 60 days on the months they are reporting it. There is just a vague explanation that the reporting is a byproduct of the modification process and that it 's correct. Even though their own statements would show payments were made on time or early for the months being reported 60 days late. I have spent hours collecting and analyzing data to make my case but it is almost as if Wells Fargo is using the inaccurate negative credit reporting as retribution for undertaking the modification to begin with.

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 2016-09-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Our client was denied for a loan modification in XXXX of this year. They were not offered a short sale option or any other loss mitigation options at this time. This is a direct violation of XXXX, attached, which " requires a mortgagee, trustee, beneficiary, or authorized agent to contact the borrower prior to filing a notice of default to explore options for the borrower to avoid foreclosure ''. 

It is also a violation of the CFPB 's XXXX XXXX XXXX, attached - see highlighted sections of pages XXXX and XXXX. 

Our client has not, at any time, been offered a short sale, or made aware of any other loss mitigation options they may have by Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Credit issued a Visa Card in my name and it was used to charge {$4100.00}. We knew nothing about this Visa. We never asked for or approved or knew about the Visa until their Fraud dept contacted us about the {$4100.00}. We never received a physical card nor anything in the US mail until four months later when they sent us a bill and now are thereating us with fines. They also ruined our credit ratting. We have spoken to them several times. They have assured us they would take care of it, yet we still are getting the bills and our credit can not be fixed. HOW CAN A BANK ISSUE A CREDIT CARD IN SOMEONES NAME WHEN THEY KNOW NOTHING ABOUT IT! We do not have a savings or checking or credit account in Wells Fargo. But we do have a home morteage with them. Help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-25 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:
XXXX MORTGAGE. XXXX equity LINE OF CREDIT. XXXX On XXXX 2014 Lender. increase the monthly payment. SO THEY CREATED A HEAVY HARDSHIP I HAVE EXPEND 18 months. ( one year and a half ) dealing with many different Departments, Lender change Officers that request document every 2/3 months with no result, MORTGAGE MODIFICATION. GOVERNMENT PROGRAM mortgage modification Government Program

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 2016-03-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to receive mortgage assistance from Wells Fargo since XXXX 2015. My wife and I had a terrible hardship with our children and expressed that to the lender with our loan modification request and documentation. We were strung along for 6 months falling more behind to be told that our income was {$4600.00} and insufficient, totally untrue! At the time of this mod request I sent over my XXXX unemployment income and my wife $ XXXX monthly income ( XXXX contribution ) she is not on the loan. That 's {$6800.00} in income with about {$5000.00} in expenses, a {$1800.00} surplus. So I appealed that decision with updated income since I started back to work with current paystubs from my wife and I. Our income between the both of us is over $ 10000 monthly and we were yet denied again. With no explanation. So now Wells Fargo could n't say our income was insufficient because it was n't. So instead Wells Fargo gave this vague response : " After carefully reviewing the information we currently have, we have determined that you still do not meet the requirements for a loan modification ''. That explanation is not acceptable! This lender is XXXX % the reason we are $ XXXX behind because they have wasted so much time with not trying to help. I have been misdirected and misinformed by XXXX different Wells Fargo dept whether to send in payments. I got a different answer from all XXXX dept when I asked can I still send payments. It seems Wells or the investor is looking at a better market and equity in my home and is not willing to help. You can hear and feel it in most all conversations with them. We feel this lender is not being forth right. I called the executive office today and was told that there was nothing they could do, I was trying to set up a repayment plan because we make the money and they said they could n't do that giving no explanation. This lady said that we had exhausted all our options. Are you kidding me, absolutely no help at all from Wells Fargo. We are good educated people who went through a tough time and just need a little help to bring the mortgage current. They have not put ONE plan in front of us to do just that. So at this point we want to make a formal complaint to CFPB regarding Wells Fargo mortgage for : Unfair Business Practices, XXXX Fair Debt Collection Practices Act, Violation of Cal. Civ. Code 2923-2924.5 ( Ca Homeowner Bill of Rights ) and /or Breach of Contract. We want this lender and investor to offer us at least XXXX reasonable 6 month plan to resolve the delinquency, if not a loan modification. We are reasonable people who is not trying to live for free. We want to pay the mortgage, we just need Wells Fargo to accept the payments. Please help and thank you for listening!

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 2016-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As part of my estate planning to make sure my wife and children are taken care of when I die I created a living trust with my wife in XXXX XXXX with my wife and I as the sole trustees. We have always titled all of our properties in the name of our trust since that time including our residence at which had a HELOC with Wells Fargo Bank. In XXXX we bought a new primary residence and unfortunately made the bad decision to finance it with Wells Fargo Bank , N.A . Besides the fact that the origination process was horrible and their fraudulent flood department that is part of Home Equity made us get unnecessary flood insurance ( subject of previously filed complaints ) I am now being harassed by Wells Fargo Bank , N.A . about holding my property in the name of a trust. First I got a letter stating that I needed to fill out forms, notarize them and include copies of my trust pages which I did. Now I received a second letter from XXXX XXXX, a VP ( that according to customer service does n't have a phone number I can use to speak with her so I 'm not sure if she is a robo signer ) stating that I have to have a modification agreement recorded against my account. When I called Customer Service to speak with them they said that my account would be restricted if I did n't complete the forms ( it is already restricted due to a short sale in XXXX ) and that if I do n't comply and keep my account in good standing they are going to take actions including possible foreclosure. 

I continue to have problems with this bank even though I have over XXXX accounts with them. CA state law allows for individuals to have properties held in the name of a trust and still have a loan on them yet WFB seems to think that they can usurp state law and create their own rules. Also it 's important to note that WFB does n't have a problem with the Conventional XXXX loan that they service since that is n't their money but when they have a portfolio loan they create complex billing situations ( see other complaints about how they steal money by misapplying payments ) and harass me about my estate planning.

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 2015-05-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My credit card company, Wells Fargo, does not state an end of a billing cycle date. I have been told by customer service that the billing cycle is 30 days, most months. Since Wells Fargo does not list which months will not have a 30 day billing cycle, I do not know the exact date of the end of a monthly credit card cycle. By not disclosing the exact end date of a billing cycle it is difficult to manage my expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a charge on my account that was disputed. It was found in my favor. The credit card company issued a refund and I closed the account with a credit owed me for over payment. The sent the check to me account closed. A month later they started calling saying I owe the money after they credited my account. I do not owe the money and the call several times a day at all hours of the night. I had told them to cease and desist numerous times to no avail. They are harassing me and threatening me. I am XXXX XXXX XXXX and afraid 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 2016-10-11 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Company sold debt to another party party contacted me and I paid XXXX $ explained I need another arrangement because I lost job and did n't have funds was also in school. I later got a call from a private investigator via an unknown number purposely blocked trying to drop off documents where I do not live and found out it was a different company handling it now. This company does n't have proper identification online. Threatened me if I did n't pay and harassed me I dropped call spoke with ace cash themselves told them they can not send me to a third party because I just got harassed and I am going to report them. So I worked something out with ace cash. But the third company I ca n't even find their info and the XXXX $ that I paid never got to ace cash account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: SD

Complaint narrative:
Lender withdrew XXXX payments from my account when they were only authorized to take 1. They had a computer glitch and mistakenly took XXXX extra payments. I was not notified by my lender about this issue. The only reason I found out is because I was issued a Non-Sufficient Funds notice from my bank due to the extra payments they took out. Once I found out the error, I called them immediately. It was at that point that they notified me of the glitch that caused the error. I feel this was completely negligent behavior to not even notify me. Now I have to prove that they were the cause of the NSF to get the fees repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP
State: GA

Complaint narrative:
Republic Finance has reported delinquent 30-60 days on my XXXX credit reports. The have done so prematurely as my payment is not due until the XXXX of each month. They reported me delinquent on XXXX/XXXX/2016 for the month of XXXX but the payment for XXXX has not even come due. In addition they are refusing payment for my loan and sent me a notice explaining to me that they are refusing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: KS

Complaint narrative:
I am getting letters and phone calls from 'First National Collection Bureau Inc ' stating I owe money from a XXXX XXXX XXXX XXXX from 2007 which I never opened nor did I ever have. They are telling me they ca n't turn me into collections but I need to pay them. They have my social security number and address and it 's terrifying- I have no idea who they are, and it sounds like they just want my credit card information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
This issue was reported with cfpb on Case number : XXXX and it was resolved with XXXX ( it was deleted from my credit report ). However, XXXX is reporting the XXXX mortgage with XXXX XXXX and Rushmore Loan Management Service. This mortgage is related to only XXXX property that was voluntarily surrendered and it is related to my first mortgage ( with XXXX XXXX ) that was already deleted from my reports. 

I am disputing the RUSHMORE LOAN MGMT SERVICES credit item because : My property, located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, was Surrendered/Foreclosed with XXXX XXXX. Account is reported in my XXXX Credit Report as : FORECLOSED WITH XXXX XXXX XXXX Account Number : XXXX .... Date Opened : XX/XX/XXXX Status : Foreclosed ; and also in XXXX XXXX Account XXXX as closed. 

Experian Account XXXX belongs to XXXX XXXX XXXX ( which went bankrupt ) and it is a second mortgage that I had with XXXX XXXX XXXX ( XXXX Mortgage was Account Number : XXXX ) My XXXX mortgages ( XXXX for the same apartment located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXX XXXX were account # XXXX & account # XXXX. XXXX XXXX filed for bankruptcy and my mortgages are closed. The following accounts are related to the same property located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( collateral for XXXX mortgages as established in my Agreement with XXXX XXXX ) : XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently deleted from my report. 

XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently FORECLOSED/SURRENDERED, but is being reported TWICE in my credit report with RUSHMORE LOAN MGMT SERVICES Account Number : XXXX Status : Open. {$9500.00} past due as of XX/XX/XXXX and XXXX Bank as closed. 

Please correct my credit report since these duplicates/incorrect information is affecting my score. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I received an e-mail from an Attorney XXXX that I owe Ace Cash Advance {$890.00} and wanted a settlement of XXXX.and if I did not pay this I would be socked a total of {$4000.00} including all fees and attorney costs. This e-mail even had my bank account and last digits of my XXXX. I did not receive any money from this company or apply for this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
I am not sure if this was obtained in store or online or of the amount at this time. I am continuing to receive harassing emails stating they are filing a arrest warrant and threats of being referred to an attorney. I have responded and noted that a complaint was being filed and not to contact me any further. 

Email address : XXXX Company : XXXX XXXX, XXXX, WY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: First National Collection Bureau, Inc.
State: MO

Complaint narrative:
I missed a phone call from First National Collection Bureau. Called them back. The lady that answered the phone proceed to start yelling at me when I told her that the debt she was trying to collect was over 10 years old. She started to cuss at me, telling me that my rights did n't matter and that she would be collecting the debt one way or another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: WA

Complaint narrative:
I received a letter from First National Collection Bureau , Inc. stating that their client " XXXX XXXX XXXX '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is XXXX XXXX XXXX and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about XXXX Funding and find that there is a ton of information on credit reporting websites that show this XXXX company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I received the attached advertisement in the mail. I did not solicit anyone for a loan. I called the number to stop receiving offers. The recording said they would need my 'Social Security Number '' in order to take my name permanently from their records. It is obvious that this is a scam to get people 's social security numbers. Additionally, the amount of interest equates to 92.52 % per year. I am pretty sure that is illegal. ( I have scratched out my info on the check so it can not be used )

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 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: HireRight Solutions, Inc.
State: FL

Complaint narrative:
This agency hireright.com, aka XXXX, provides driver and credit data to companies looking to hire people. For the past 10 years i have disputed and disputed the incorrect data and they have not corrected it. I have suffered incalculable economic damage in the form of lost job opportunities because of these people. It was so bad that I was party to a class action lawsuit in which they lost and received a small settlement about 2 years ago. Even now my work record, consumer data, and even my name is n't being reported correctly in their reports and they refuse to address it. They will say otherwise but I was just informed today that i was not being hired because of this information by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Executive Acquisitions Group, LLC
State: OH

Complaint narrative:
Received a voice mail stating that they were going to issue an arrest warrant and come to arrest me with an armed guard at my work for their protection and as a witness. Wife called them and was trying to cooperate and asked them to send an email someone called back and as she was speaking with a man she asked some questions about why we have n't been notified and according to them they did 30 days ago, but yet we have not received anything and then he started cursing at her and calling her XXXX and us XXXX and hung up on her. She called back and was in tears about what happened, she complained and they sent a generic email. With nothing about the original company that is requesting the money.

Company response to consumer: Closed with explanation