vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a debit card from Wells Fargo that I did not request. I called customer service. They told me it was probably a mistake and to cut the card. After seeing the news I realized they purposely opened the account without my authorization. I still have the card. It has never been used nor activated. I contacted Wells Fargo 2 days ago but have yet to hear from them.

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 2016-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The reason I am submitting a complaint is due to the fact that I have requested my servicer Wells Fargo to review my docuements for a loan modification. I could not get underwriting @ Wells to review my case due to the process that Wells has which is unethical and goes agains CFPB guidlines. Well has whats called reentry team and they dictate which files go to a underwriter and which files dont. After doing my research Well is the only servicer that does that not giving me a opportunity to revie my casse with a underwriter. I asked to speak to Wells Reentry team manger and he goes by the name of XXXX XXXX stating he is a manager and he can not help me out due to the fact that Wells has a new guidline that states if I am 36 or more months behind I will not qualify for loan modification even if they are Hamp elgible or FHA loans Wells will not review any case. I have searched around I have found out that that policy is Wells and not FHA or hamp guilines. Wells Fargo is not obiding by CFPB guidlines or hamp. Please look into this matter. The Consumer Finance Protection Bureau ( CFPB ), under the Real Estate Settlement Procedures Act ( Regulation X ) at 12 CFR 1024.41, requires an appeals process for loan modification denials when a complete loss mitigation application has been received under the requirements of the regulation. 
Accordingly, HUD now provides an automatic 90-day extension to the initiation of foreclosure timeline for those cases in which the mortgagee needs additional time to comply with the appeals process required by the CFPB. 
The 90-day extension begins on the date the mortgagee denies loss mitigation and sends the borrower the notice required under CFPB regulations.

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 2015-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an account with Wells Fargo that I had asked to be closed due to fraudulent activity on the account. Wells Fargo agreed to close the account, yet never did. I called several times, and even went into the branch where the banker was supposed to close the account and was told at least twice they would close it and still ... they never did. After a while a reoccurring charge on the account came through and I was charged over {$100.00} in overdraft fees. The bank never paid out the charges, and still wanted me to pay over {$100.00} back to them. I explained multiple times that if they would have closed the account like they said they had the multiple times I had asked, then there would not be an overdraft to pay at all. After over 6 months of going back and forth, they agreed to pay {$42.00} and said that I would still be responsibility for {$60.00}. Mind you, they want me to now pay {$60.00} to the bank for money they never paid out on my behalf - all because the account was never closed the multiple times I asked for it to be closed and the multiple times I had been told by bankers that they were closing it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I obtained a loan for the purchase of my home through Citizen 's Bank. I was initially told verbally I would have no points associated with my loan. On documentation ( commitment letter ) leading up to the closing I had points listed. I had contacted the mortgage company stating they had previously stated I would have no points which they again verbally confirmed and I had them confirm via email as well. On my closing date, XX/XX/2016, while reviewing my closing cost details with my attorney, under the heading " Loan costs '' was a charge of {$260.00} labeled " 0.125 % of loan amount ( points ) ''. My attorney contacted my mortgage broker, XXXX XXXX, who stated it was an error which they would rectify via check after closing. My attorney advised to continue with the closing versus correcting the documentation first because we were already 3-4 weeks past the initial closing date. Three months later, and i 've been told for the past 1-2 months the " check is being processed ''. I was advised by my attorney to file a complaint. This is my formal complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We began searching for a mortgage back in XXXX 2016. We started working with Wells Fargo Home Mortgage and on XXXX we gave them {$530.00} for a home appraisal. While in the process we decided not to proceed with them and canceled the mortgage file. Before the funds were given for the home appraisal, the loan originator, XXXX XXXX, advised me that if we cancel before the appraisal is completed we would be reimbursed that fee. We cancelled the file on XXXX/XXXX/2016. Since we have not received a reason of why our funds have not been reimbursed and we are no longer getting a response. I was informed on XXXX his Manager, XXXX, would take care of the request. Again, no response.

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 2015-11-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
I request a XXXX credit report and the report indicates a Florida address, phone and an account with Wells Fargo Bank that are not mine. I communicate with Wells Fargo Bank and I have no options for removing this account does not belong to me. I have been a victim of identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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:
I was late 3 days on a payment and as a result Wells Fargo did not apply payment to my HELOC. No attempt was made to call me until late XXXX at which point the account was past due and late fees where added. Had WELLS FARGO atempted to call me the payment of {$130.00} would have been taken care of. I deposited {$150.00} to be taken out automatically like always that check cleared my bank account on XXXX/XXXX/2016 .The overdraft fees and late fees blew my payment up over {$40.00}.

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 2016-09-28 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: ID

Complaint narrative:
I have filed this complaint before case # XXXX when another debt collector was being used by XXXX XXXX. They continue to pursue these charges but have not EVER proven where they come from and how they applied to my account that was closed in XXXX 2014. The account was paid in full and 6 months later an additional bill was sent to collections which I refuse to pay without accountability of where the charges come from. I have reviewed complaints about XXXX from other customers and they are notorious for charging erroneous amounts after accounts are closed and people pay them and find they continue to get billed even after that. I fear that this will happen to me as I paid my final balance IN FULL. XXXX is a dishonest company that has refused to comply with the basic consumer right of disclosure of services being billed. This should be illegal and I wish I was able to sue them for the time spent and the damage they have done to my credit history. As soon as XXXX debt collection company dumps the account, they move to another. This is what they have done. The same charges are now with a different debt collector. They will continue to harass me until I pay this charge. My credit has been damaged to the point where I do n't even care any more. They will never get a dime from me as they are thieves and I will never pay them an amount I simply do not owe. This is the fleecing of the consumer {$100.00} to {$200.00} dollars at a time. They do this because they know at some point people will give in and pay the amount they are harassing them about. I have called them numerous times to request a full outline of where these charges come from and they refuse to comply. I am NOT going to pay just because they say I owe the money. Please refer to the previous complaint that I filed and the resolution of that account. I now have to communicate and start all over with this new debt collector. This is a scam and has to be stopped.

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 2016-11-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizen One XXXX placed an hard inquiry on my credit XXXX XXXX XXXX. This action was fraudulent because I did not seek them out for an auto loan on XXXX XXXX, 2016. I did not sign any Citizen One papers requesting an auto loan. My credit score has been reduced due to this action and I was denied a {$30000.00} loan as the result of this fraudulent action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am a XXXX and have had a mortgage with Wells Fargo since XX/XX/XXXX. I spent most of XX/XX/XXXX and XX/XX/XXXX XXXX. I have also XXXX since XX/XX/XXXX but to keep it easy lets just focus on XX/XX/XXXX and XX/XX/XXXX. A few months ago I found out about the Servicemember Civil Relief Act ( SCRA ). When I spoke to Wells Fargo they said that since I was in the XXXX before I received a mortgage so SCRA does not apply to me.

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 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
It XXXX, Citizens Bank charged me {$1900.00} in overdraft and returned item fees. I applied for overdraft protection and was denied. I accrued {$70.00} more in fees in the first month of XXXX and therefore closed my account. While I feel that Citizen Bank 's methods for processing payments, and their terms in general, are unscrupulous -- that is not my primary issue. My issue is that the bank has been harassing me for the past year, alleging that I " owe '' them hundreds of dollars. Any money that I " owe '' them is not from authorized purchases or debits from my account, it 's more bank fees that they have charged me -- and I have no intention of giving them any more of my money. Not to mention, I think their methods for collection ( calling 2x a day for months ) borders on harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from Enhanced Recovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2015-04-28 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: NY

Complaint narrative:
I have sent letters to the company ( Enhanced Recovery Co ) as well as my credit reports but they said that it was verified to be mine. IT IS NOT!! I never opened this and also it is falsely reported since this account was reported a few years ago by XXXX XXXX XXXX for XXXX XXXX and was removed from my reports after I disputed in XXXX ( I submitted proof of removal ) now that XXXX XXXX was bought out this company is trying to say I owe this XXXX account- I do not. I NEVER opened either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
My account was hacked and a card with my number was used to make unauthorized purchases at a XXXX store, in the amount of {$70.00}, in XXXX, Michigan on XXXX XXXX, 2015. While Citizens Bank credited the unauthorized charge back, they failed to accurately credit my account for finance charges. I paid off all new charges monthly, yet continued to be assessed finance charges. I have had numerous phone conversations with Citizens personnel and written numerous letters. I finally cancelled the account on XXXX XXXX, 2015 due to their poor service. My most recent and final statement contains an erroneous {$11.00} finance charge and an unauthorized charge of {$74.00}. I have written a letter to Citizens identifying these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Citizen 's bank refused to accept a check for deposit to my and my husband 's account that has been issued by XXXX auto insurance company for insurance on my car because of my completion of driver 's defense course. Title deed on the car and the insurance policy is issued in the name of my and my husband 's living trust of which I and he are trustees and our adult children are co-trustees and I and my husband are managers of the trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC
State: SC

Complaint narrative:
Enhanced Recovery Corp placed a collection on my reports on XXXX/XXXX/XXXX claiming I had XXXX service in XXXX. I called XXXX and ask when was my service disconnected and XXXX stated that the service was disconnected on XXXX XXXX, XXXX. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX and was discharged on XXXX/XXXX/XXXX. XXXX was included in my Bankruptcy. 

However, nine years later the account has been re-aged and placed on my credit report which violates the automatic stay. 

This will come off my report or I will sue XXXX and ERC for damaging my credit and costing me thousands of dollars.

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 2016-09-16 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: MS

Complaint narrative:
ERC placed {$67.00} collection on my credit report. I have disputed this through all three credit bureaus without success. I do not owe this account and no proof was given to me. I do not even know what this account is.

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 2016-10-16 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: KS

Complaint narrative:
erc of florida has been trying to collect a debt that is not mine for over two years now, it has been put on my credit report three times, proven wrong, couple months pass, then put it back up, without once sending me mail about it or calling me, i have tried to get them to verify this account they can not, i told them this sounds illegal and downright wrong they sell it, buy it back fraud on there part

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 2016-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I engaged my second mortgage company back in XXXX regarding me selling my home via short sale as instructed by my first lien holder. I worked diligently with the relationship manager assigned to me to get all required documentation to them. The last item they needed was the approval from the first lien holder, which I did not have and I instructed them that I would send it as soon as I received it. I continued to keep the second lien holder abreast of the first lien holders position, but after my file being opened for over 3 months they told me that they would have to close my file and I would need to start the process from scratch! I pleaded with them not to close the file as I was told by the first lien holder that I would have the approval within a couple of days. They still closed my file and I received the first lien holder approval and a close date that next day and called the second lien holder who told me that my file was closed and all I could do was to resubmit. I resubmitted everything that day and then the back and forth with the second lien holder started again where they would tell me that they did n't receive one thing or the other. Every time they said they did n't get something that I had sent, I would immediately send it so as not to delay the process knowing the closing was already set by the first lien holder. Finally, 2 1/2 weeks prior to the scheduled close date, they said that they had everything but would need to perform their own appraisal because for some reason they said that they could not accept the one performed by the first lien. Again, I pleaded that the deadline to close was quickly approaching and they still claimed they had to do their own BPO. I and my realtor have been following up with the relationship manager at Citizens the second lien holder for the last 2 1/2 weeks about the appraisal and still none has been done and they still have yet to issue their approval on the short sale. The fist lien holder has instructed that they will foreclose if we do n't close by the deadline, but may be able to push the closing out if it slips, but no promises. I feel that the second lien holder has been dragging their feet with the whole process and is not being compliant or working diligently to assure that the short sale closes. Seems they are trying to force a foreclosure by their negligent acts and I would like for someone to look into this. As of today, I have been reaching out daily and was told that they file is with the processor, but still no appraisal. The closing date is set for next Monday, but still not approval from the second lien holder and dragging feet. Please look into this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: ME

Complaint narrative:
I do not know who erc is. It looks like it 's for XXXX on my report. I had XXXX for several years and XXXX before that. I am not aware of anything on my credit that 's delinquent and I have nothing for this balance. I pay my bills in full every month. I have made several attempts to contact them. This needs to be removed from my credit profile. It is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-08 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: NV

Complaint narrative:
A collection agency ( Enhanced Recovery, LLC ) added an incorrect collection item to all XXXX of my credit reports in XXXX of XXXX, dragging my score down XXXX points with each bureau. The collection is for XXXX, but I do not know what for. 

The opening date of the collection is listed as XXXX of XXXX. 

I have not had XXXX since XXXX of XXXX, when I switched to XXXX XXXX XXXX. The only account I have ever had with XXXX is a pre-paid phone. I never had a contract with them. 

I disputed the debt with all XXXX bureaus, which is notated on the account, but it was not removed. 

In XXXX of XXXX, I contacted Enhanced Recovery, and asked them to provide proof of the debt. I received a dunning notice, giving me XXXX days to dispute the validity of the debt, which I did. Enhanced Recovery received my debt validation letter via certified mail on XXXX XXXX. 

Now, nearly four months later, I have not received any response from Enhanced Recovery, and the false debt is still on all three of my credit reports.

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 2016-05-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I could n't see the lender agreement until after the loan was processed so I did n't see the true cost of the loan before I agreed. I thought the loan should be paid off by now, so i contacted them. I got the {$600.00} loan 90 days ago, I pay {$210.00} every 2 weeks and I was told I still have a balance of {$810.00}!!!! Please, Please, Please HELP ME!!!!

Company response to consumer: Closed with explanation