vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NJ

Complaint narrative:
I received a statement from XXXX XXXX XXXX on XXXX/XXXX/XXXX for a medical debt owed. I paid the debt in full on XXXX/XXXX/XXXX via the XXXX online payment portal but I continued to receive numerous calls requesting payment. I spoke to XXXX in customer service who advised me to fax over the receipt which I did on XXXX/XXXX/XXXX and she advised that my account would be updated in 1 - 2 weeks. Approximately 1 month later I received a letter in the mail from a debt collector for said debt. I sent proof of payment to the debt collector and contacted XXXX who advised that my account was still under review 1 month after I faxed over to them their system generated receipt as proof of payment. I informed the customer service rep that their error may now impact my credit and she said nonchalantly we 'll look into it and get back to you. I still have not received an update so I will be calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
BCS got my check XXXX/XXXX/14 and cashed it XXXX/XXXX/14. They continue to say they did not get this account until XXXX/XXXX/14 which is completely untrue! how would I have their info in XXXX to mail them the check! They are Fraudulently saying that the bill was not paid. I have the cancelled check! This is FRAUD! They are XXXX billing me and threatening my credit!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2015, I submitted a hardship letter to Wells Fargo the loss mitigation department expressing that I would be able to pay my mortgage due to a monthly increase in my XXXX mortgage monthly payment from {$1600.00} to {$2100.00}. This new payment of {$2100.00} for the XXXX mortgage plus a XXXX mortgage payment of {$390.00} gave me a total monthly payment of {$2500.00}. Since this payment is more than XXXX % of my monthly net pay, I could no longer pay the mortgage and have any kind of day to day life. After moving forward with notifying Wells Fargo, I think it was reasonable to think I would be a bit farther along in this process. I have completed every peace of paper work at least 4 times and I have yet to get any kind of resolution to my situation. The person my agent is constantly submitting paperwork requested without any resolution. This situation should be forwarded to any committee in congress that regulates mortgage finance. I have filed many complaints on this process and there should be some way to get this done a lot quicker than 6 months. My agent has submitted a contract with a buyer willing to buy the house through the short sale process more than 30 days ago, but due to Wells Fargo 's representative XXXX XXXX constantly asking for the same paper work to be sent over and over simply to harass my agent - is ridiculous. Again, my agent just sent all of the paperwork that was previously sent and we still do n't have any resolution to my problem. I really believe that I am being discriminated against because I 'm a XXXX female. There should be an investigation to see how many minorities get the run around when going through this process. The XXXX mortgage company - XXXX has approved the short sale and we are simply waiting for 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 2016-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I paid my vehicle loan in full, never late, paid in full, a few years earlier than it was supposed to be. Since I paid it in full, WFAuto Finance, has reported that I was XX/XX/2016 ( I paid in full on XXXX/XXXX/16 ). After I disputed, WFAuto changed it from XX/XX/2016 to XX/XX/2016. I disputed again, and they moved the late to XX/XX/XXXX and XX/XX/2016!

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 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We had a Wells Fargo Business account. They called to inform us that there was fraud with our account. We lost access to our original account and they would n't inform us what kind of fraud or prove that there was fraud in our account. We had to open a new account. Our business checking accounts were linked to Medicare & Medicaid, which is a process to link our accounts to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo approved me for a mortgage in XXXX. In XXXX XXXX I could no longer work nor pay my mortgage. At that time and for a subsequent year, I kept the property up while offering to give the bank a deed in lieu of foreclosure. Over that year, I talked to no less than XXXX individuals at the bank ( never the same ones XXXX and got conflicting information. In XXXX the bank started a foreclosure action. Over all this time I had offered the bank a deed in lieu of foreclosure with the understanding that it would not seek a deficiency judgment. In XXXX the lawyer for the bank finally agreed to this proposal ( the same XXXX I offered the month XXXX ). However it still took the bank 's lawyer, court and the appointed referee more than XXXX months to have the Judgment of Foreclosure and Sale occur. It is scheduled for XXXX XXXX, XXXX, exactly XXXX years after I offered the property to the bank. 
In the meantime, I had a XXXX and after spending more than XXXX months XXXX over a XXXX year period, I am starting to get my health back. My complaints are : Why would the bank not take a deed in lieu of as soon as it became obvious that I did not have the resources to pay the mortgage ; Why did the bank not take steps to protect the property ( e.g., leave the power and heat on minimal heat settings to avoid what finally happened : frozen pipes and overwhelming mildew and black mold )? When the house finally sells, the bank will get pennies on a dollar because it failed to protect the property. 
I am XXXX years and trying to get my credit back so that I can buy a car on reasonable terms. I fault the bank and the law firms handling the foreclosure action. I get a strong sense that the bank has and had a mechanism in place to assure that it will not loose any money in the long run. That mechanism may be as simple as stating to the regulators " look at the losses we were forced to take ''. Please note, neither I or anyone else has lived in the premises for this 6 year period. In my current physical condition, I would be unable to live there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wells fargo bank robed me they posted a transaction was posted to my account on XXXX/XXXX/2015 and the posting date was XXXX/XXXX/2015 and i was charged {$35.00} for overdraft on XXXX/XXXX/2015 I requested the bank to take a look at the transaction and i check my account till the last minute of XXXX/XXXX/15 i have a prof my account went negative today but before XXXX XXXX i have deposited the amount and i 'm still getting charge the overdraft fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been trying to wrap up a HAFA short sale for well over a year and Wells Fargo does not want me to do a short sale. Everytime I get to the finish line, they change short sale negotiators and I have to start the process over. I have been through XXXX Negotiators. I am at my wits end. Now we have a Liquidation department disregarding us. We need HAFA funds to relocate. We have a viable buyer. In fact we have had XXXX viable buyers who increased the sales price when the value increased due to different negotiators changing. We have children in school and I wanted to try to relocate this summer so that I would n't disrupt their school. I have missed out on decent housing because the short sale negotiators keep changing. Just recently, the negotiator made us resign a contract in front of a notary and had the buyer make other concessions. We adhered. We could n't do it right away when our Realtor contacted us because we had to take our oldest son off to college. He has a full scholarship and we accepted into a special summer program. It 's not easy selling our home because we do have major water damage and we have n't been able to remodel it. At least with a short sale in a year or 2, we can buy again. If we have a foreclosure or a deed in lieu, we will be prejudiced for 7 years. I am losing my mind from this. While we were waiting for a final approval, the negotiator sent their attorney notice to reset a foreclosure sale date. We just received it in the mail today. This has been a God awful experience. Now, they are forcing us back into bankruptcy. My neighbor works for the banks and told me when they start doing this, its because they want to collect the mortgage insurance claim instead of working with the homeowner. We really need help. We had a bad pickapay loan from the beginning. We want the same opportunities extended to all the other homeowners. We did everything required of us and the buyer has funds to buy this property. We really need to relocate to get back on our feet. We want to be able to get our family situated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Our small business signed up for a business bank account. With it, came a credit card for " no additional fee '' as quoted by our Wells Fargo Banker. A year later, the card gets hit with a {$50.00} Rewards Membership Fee, a program to which we never opted in. After discussing with a representative, the program auto-renews every year without notice, and requires that the account holder call and opt-out of the program to avoid a {$50.00} annual membership fee. This is just an example of the deceiving practices still used by banks and credit card bureaus. Luckily no money was ever spent on the card, so we noticed this, but applying the automatic renewal charges like this to a business card is sneaky and an easy way for banks to collect additional revenue. The bank removed this charge " as a courtesy '' but did n't view this as it 's responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX took over my charge off a Wells Fargo Credit and has since upped what I owe by over {$3000.00}. How am I supposed to make good on a past debt when the collection company uses a tactic such as this. How can XXXX XXXX charge me additional fees and interest when I never contracted with them, nor have I ever spoken with this Company. This is predatory and unfair to myself, the consumer, when I am trying to work out paying this debt back. I am beside myself at what to do at this point.

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 2015-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo bank is XXXX around with my mortage and they are forcing insurance on me for my home i live which i dont need, I already have insurance through state farm insurance and i am not happy with wells fargo at all trying to focr insurance on me and trying to charge me for it. Not happy at all. Something needs to be done and wells fargo needs to be dealt with. Its like the government trying to XXXX XXXX on me which i dont need. Please fix this XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I called up today to get the pay off amount and was told they did n't have it even when I originally ordered it last Tuesday and I was told XXXXXXXX hours. They I told them I was faxing the XXXX form today and she said they were waiting for XXXX more paystubs which I wont have until Friday. I asked could n't they postpone the sale day for a week to get this figured out and she said they were n't going to do that and If I could n't have a full packet in by today they were n't going to waste their time looking at the review anymore. That tells me that wells fargo has no intention of helping us save our home and they are forcing us to do a chapter 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 explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Submitted additional payment requested to paid toward principle. End of the year checks returned for overage even after talking to mortgage department still they refused to apply extra payments toward principle.

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 2016-09-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested mortgage assistance from Wells Fargo and was denied for home retention options. I was told my options to avoid foreclosure were deed in lieu in foreclosure or to list my home for short sale. Opting to short sale my home was the most difficult decision to make but we made it. With a broken heart we did list the home and sent everything Wells Fargo needed to start the short sale process. Calls to confirm receipt of the documents we sent were made and Wells Fargo confirmed the documents were received and were being reviewed. Now that I call to check status on the short sale process I am being told the sale date is active and will be taking place as reviewing my request to short sale was received too late. I asked why was I not informed of this on XXXX XXXX, 2016 when I called to check status on the request? Instead I was told the documents were received and were being reviewed. Never the less the representative was very rude and told me they are moving forward with the sale date. I told the representative what options are they providing me with to avoid foreclosure and the representative very mockingly answered " NONE ''. I told the representative I am in California, and here it is a requirement that ALL lenders provide an alternative to avoid foreclosure. The representative again told me I have no options and asked if she had addressed all my concerns. I asked to speak with a supervisor and of course the call was terminated. I called back to speak with a Supervisor and would get transferred to the Home Preservation and of course as usual I get the voicemail. This entire matter has been difficult God is my witness we tried and tried to make ends meet and have accepted the reality, which is we can not afford our home which is why we decided to to proceed with the short sale process. I am very very very sadden with the treatment and inaccurate information and the acts of bad faith Wells Fargo. I have asked for a postponement as there is a buyer and I will be penalized and will be required to pay the buyer for the cancellation of the process, which is money I do NOT have.

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 2016-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
1 ) My Mortgage Loan Modification final document package has been dispatched via XXXX to a third party individual Notary Public, XXXX XXXX, to deliver in person the modification docs. for my notarized signature. Be advised, I am represented by Attorney-at-Law, XXXX XXXX since I filed Chapter XXXX Bankruptcy on XX/XX/2012 and I believe the docs. should have been sent to my attorney or myself in lieu of a third party who is not a Wells Fargo employee. Furthermore, if Wells Fargo 's intention was to ensure accurate execution of the modification documents they could have utilized a Notary at a banking branch office in my neighborhood. 

2 ) XXXX Attorneys employed with the law firm XXXX , XXXX XXXX XXXX XXXX, XXXX. ( this law firm was in process of foreclosing on my home in XX/XX/2012 when I filed Chapter XXXX ) are individually named as Trustee on the pending Subordinate Deed of Trust awaiting my notarized signature. 
3 ) I was given 12 day turnaround from the date of receipt of loan modification documents for my notarized signature, I was expecting at least 30 days from date of receipt for review and discussion with my attorney. 

4 ) My Mortgage Loan history is MISSING XXXX Property Inspection charges each assessed at {$15.00} each as follows : XX/XX/2012 XX/XX/2012 XX/XX/2012 XX/XX/2012 5 ) Over billing attorney fees and costs. Advertising costs in Texas and XXXX XXXX filing fees are over billed by foreclosure attorney. 
6 ) My loan was dual tracked in 2012 and a trial payment was returned NSF in order to begin foreclosure. I am in possession of all documentation in support of dual tracking as well as copies of 2 months of concurrent bank statements from XXXX XXXX XXXX showing available funds in my checking account at the time the check was returned NSF. 
All evidentiary documentation on above complaint issues are available and will follow under separate cover.

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 2017-01-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My Bank, Wells Fargo Bank in XXXX, WI suddenly changed a practice from the one I was accustom to doing my banking based on, to one that I was completely unaware and unfamiliar with. This change resulted in me incurring over XXXX in overdraft fees over about a two week period of time, before I was able to learn what was going wrong. The changed practice was to start assigning the prior days date to transactions that arrived at the bank after either XXXX or XXXX. In addition they took overdraft protection off my account after persuading me to switch to a different type of account without informing me that this new type account would not include overdraft protection. The combination of this two events at the same time resulted in me paying all those OD fees on my checking account while having money in my savings account that could have covered the purchases had I been aware. But by assigning the prior days date by the time I became aware the overdraft fee was already applied. Additionally, I was in communication with Wells Fargo bank daily trying to get a handle on the situation. However, it was not until toward the end of the situation that bank staff informed me about the removal of my overdraft protection and the new practice of assigning the prior days date to charges coming through after a certain time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Comerica
State: NM

Complaint narrative:
I receive my XXXX benefits on the Direct Express Card provided by Dept. of Treasury, and I had unauthorized charges deducted from my account. I filed a claim on XX/XX/2016 and never received a refund, response or the forms I was supposed to get. I called and was told that they would resend the forms for me to sign again in late XX/XX/2016. I NEVER received them. I keep calling to see why I have n't received the forms, updates or my money back and I keep having to give all my information to get to " Level 2 '' and then they hang up on me. This is fraudulent and I need my moneu to live. Why is it the US Treasury allows this to happen to its people? Will you help me remedy the issue?

Company response to consumer: Closed with explanation