vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We contacted Wells Fargo again concerning a HAMP modification review on XX/XX/XXXX, the documentation was faxed on XX/XX/XXXX to XXXX ; each page had the loan number clearly recorded at the top. A letter requesting additional documentation was received dated XX/XX/XXXX, in it was a request for my husband to provide a XXXX and myself to forward XXXX more paystubs in addition to the ones on file for the pay period ( XXXX XXXX ending XX/XX/XXXX and XX/XX/XXXX, finally my XXXX XXXX, to which I escalated the unnecessary delay to XXXX XXXX XXXX via email and snail mail since a Wells Fargo staff member advised the HAMP program was no longer available since a Wells Fargo XXXX XXXX member advised the Home Affordable Program was no longer available to us. so, in XXXX upon receiving a phone call from another home preservation XXXX an unemployment affidavit was completed by my husband and sent to Wells Fargo ( same day XX/XX/XXXX ). Another letter dated XX/XX/XXXX,  request for additional information request my husband to forward a letter of explanation for a ( 1 ) " bonus '' recorded on his paystubs (? ) to include ( 2 ) clarification for overtime or if he has he ability to receive it again and ( 3 ) prior years income is greater than current year to date ( expecting any additional earnings for XXXX ) and ( 4 ) confirm how many people live in the house ; to which a letter was composed and sent to Wells Fargo at XXXXXXXXXXXX on XX/XX/XXXX,  while mind you my husband is still unemployed with no benefits paid. Today, ( XX/XX/XXXX ) when I called for an updated status I was advised the review was closed ... " its what we do when the file reaches 30 days in age without a decision, the reason noted was the requested documentation was not received. '' ( per XXXX supervisor XXXX ) now let me send you to a member of my team XXXX, who will complete your welcome call, hold please '' ... really? IN summary it appears to me Wells Fargo is not concerned about causing borrower harm or cancelling modification request ( without notifying the borrower ) just to keep from being fined when the review is NOT completed within 30 days.

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 2017-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Ive been working with Wells Fargo since XXXX XXXX to sell my house as a short sale. I have provided Wells Fargo all the documentation they asked for to process this action but they keep telling me they havent received my documents and that I also need to send in more documentation. I also have sent in cash offers to the bank from a buyer interested in purchasing my house but Wells Fargo rejects all the offers or they say they never received the offers. Im always assigned to a new home preservation specialist every three weeks so when I call the bank I have to go through the whole process all over again. My house could have been sold three months ago with a cash offer of {$150000.00} from the remaining balance of my loan of {$170000.00} but they rejected it and the buyer walked away now Wells Fargo is sueing me and putting me into forclosure. Ive been working with Wells Fargo and I have corporated but Wells Fargo isnt working with me or corporating with me. I have done everything Im supposed to sell my house to pay my loan off but Wells Faro is putting me into forcloseure on purpose. When I call I can never get anyone on the phone. I just want to sell my house and get my loan paid off. Wells Faro has been a nightmare for me. They are comiting criminal activity.

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 2017-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
0n XX/XX/XXXX I try to use my debt card and the charge was declined {$21.00} My balance in my Chase Checking Account {$3900.00}. My balance in my savings account is {$54000.00}. I went to the bank location on XXXX XXXX XXXX I went to deposit a check I received from services rendered I am self employed. The teller stamp back of the check with FOR Deposit Chase Bank Bank and then teller received an error message on my account. My account was restricted. A Manager ( XXXX XXXX XXXXXXXX ) said it had to be some type of error since I have been a great customer for many years Never had low balance or NSF Checks. The Manager and I called customer service after being on the telephone and hold for 20 minutes all they would tell us the account was on Restriction Still did not know at that time Chase was closing my accounts. Manager told me to call them back when I had more time and not at the bank.So I called Chase Customer Service XXXX I was told Chase had closed my account. I called back customer service and wanted a specific when and how could I get my money since the the money to my name and Mortgage is due, Car Payment and Insurance. I escalated to a supervisor in Fraud Department XXXX and after him reading scripts for 15 minutes I requested to be escalated again to higher manager I spoke with XXXX. I was told a notice would go out in next 10 days and account had been closed or restricted since XX/XX/XXXX. They were closing my accounts and after the 10 days then they would mail me my funds in my account. Remember my balance is over $ XXXX all the money I have and no money to run my business or pay bills. I can withdraw no monies. All my bill set up on automatic payment for 1st of month would not go out and none of my bills would be paid even though they are still holding all my monies. Another bank is going to hold my check for another 10 days due to size of checks and they have to clear So I can not run my business for 20 days without funds. They transferred to XXXX in Executive Office which I never heard back from XXXX XXXX # XXXX. I was given no notice or reason why this is happening I have been an excellent customer for year with high balances Never had a NSF or Overdraft. XXXX explained to be they would never give me a reason for closing the account and they are not required

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I attempemted to purchase batteries at my local XXXX XXXX ( XXXX # XXXX ) in XXXX, CA [ XXXX ] at XXXX am using my CAPITAL ONE XXXX ending XXXX for a total of {$2.00}. I tried a second time at XXXX. Both times the receipt said " DENIED BY ISSUER ''. I ended up paying cash. 
When I got home later that day, I attempted to access my online online account to see what was going on. They made me change my password. Afterwards, I still could not access my account. 
So I decided to phone 24-Hour Customer Service at XXXX. I am XXXX and in a XXXX. I have great difficulty with automated systems. I was struggling to get alive operator when the automated system told me to say " representative '', which I did repeatedly. Around XXXX XXXX, a voice responded identifing itself as " XXXX ''. He asked me if I had my card and a number from it. He then hung-up. So Capital One refused to help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Equitable Acceptance Corp
State: MD

Complaint narrative:
Upon obtaining a XXXX position for the State of Maryland, in XX/XX/XXXX of this year I decided to apply for loan forgiveness where after 10 years with the state, the balance of my student loan would be forgiven. At that time my loan servicer was XXXX XXXX. They assisted me to apply for forgiveness as well as filing for income-driven payments and loan consolidation. I followed their instructions in filling out the forms. It was a very confusing process where there were several agencies that needed my information and most information had to be submitted online. 
After receiving notification from Federal Student Aid on XX/XX/XXXX ( an office of the US Department of Education ) that my loans were in the final stage of being consolidated, I was instructed to make payments to XXXX. Somehow in the process, a company called Equitable Acceptance and XXXX XXXX became involved and is now charging me {$1400.00} for the service of consolidating your loan. I dont know if I had given them my information, or they obtained it from another agency but they are now trying to pull payments from my checking account with e-mailed forms with my approval. I contacted XXXX and they informed me that consolidating my loan was free and there was no evidence that a Third Party Agency had been involved with my loan. The Board of Education does not accept electronic signatures. The forms I signed from XXXX XXXX were electronic, therefore the XXXX did not accept their fake consolidation forms. I put stop-payments through my bank and now have found that this issue is affecting my credit. 
After doing research on Equitable Acceptance, I have found that they have a D rating with BBB and numerous complaints from people like me as to how they end up owing Equitable money. There is also numerous postings that the company is a Scam. I am getting calls daily from XXXX as well as a company called XXXX XXXX. It seems as though these companies get information from the internet and make applicants believe that their services are needed to complete the process. I have attached copies of these letters that I have received. 
In XX/XX/XXXX I contacted the companies to inform them that I did not need their services. I was told I could not cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
I purchased my property back on XX/XX/XXXX. for XXXX property prices went down called XXXX XXXX XXXX to get a  loan modification. several times and was denied. they sold my loan to other banks. and tried to get a loan modification with no success. so signed papers to do a short sale. they listed the property for XXXX. but they would not sell it to me. So the property finally went on fore closure and they say i owe {$91000.00}. this is outrage. they sold it for XXXX. they wouldnt work with me. and they are saying i owe the. i was also suppose to get XXXX. for moving assistance. that i never got either. this was my primary home. ACCT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MN

Complaint narrative:
My complaint is with XXXX more than my loan servicing company. When I was a student at XXXX for XXXX, I was lead to believe my loan repayment would be less than {$100.00} a month. This was the whole reason I signed up with them in the first place because they made it seem like tuition was going to be about as affordable as local schools were. 

Not only this but I had a host of other issues with them - including my initial advisor not changing my classes when I changed programs, resulting in me taking classes I was not required to take and then they refused to refund the money for those classes despite this being their error. New advisors constantly gave me the run around and I eventually had to drop out because I could n't keep wracking up even more debt due to their misleading practices and failure to " advise '' properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
XXXX XXXX a judgment was made to garnish my wage from work. they said I owed XXXX dollars from a collection from XXXX to XXXX. I called the lawyers that sued me and they said it was a past credit debt. I advised this was not my debt. the court still had my check garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
0n XX/XX/2017 I was informed by XXXX XXXX XXXX a check cashing and pay day loan originator that a check they cashed on my behalf was returned for Non-Sufficient Funds. I repaid them all money received and their {$25.00} NSF fee on XX/XX/2017. However, XXXX XXXX XXXX is refusing to provide me with the original check so that I may then be able to present check for payment when funds become available. XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, their phone number is XXXX. The teller/manager of XXXX XXXX XXXX  provided with the name and phone number of their parent company, Community Choice Financial, XXXX, their I spoke with Team Lead of the Customer Service Department XXXX who also stated, " they are unable to provide me with the original check on account of the fact that they cashed 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 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 've previously addressed this matter via CFPB and Equifax reported that it is not displaying on my credit report but the account still remains. See attached. 

Company 's Response Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. After further review, the disputed XXXX XXXX account is currently not reporting on the Equifax Credit report. If you have any additional questions or concerns regarding your Equifax credit file, you may visit us at www.equifax.com or call us at the toll free number provided on your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
Our Client got approved a XXXX in XXXX, Lender stated they mailed the XXXX agreement letter to our clients address on XXXX, but the letter says it was mailed to our office XXXX XXXX. Our office was never contacted, we never received the letter in the mail, they refused to speak with our client, we asked if there was a deadline, they stated there wasnt and to just have the client sign and send it back, but letter states that there is a deadline. They have given us conflicting information and are now stating that the sale for XXXX will mostly not be stopped - Our client is now in receipt of the approval and will be sending the signed agreement to the lender directly and a copy to our office and we will also be sending the approval letter via fax -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information which can not be verified ''. that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2017-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
I got divorced in XXXX and I got stuck with a credit card bill that I could not afford to pay. I was taken to court and the judge ruled in XXXX Banks favor and I did owe this bill. I get XXXX in XXXX and XXXX in XXXX and the judge said they won judgement but could not collect.In XXXX they served garnishment papers on any income tax return I get, but I dont have to file as Im way below the poverty level. I got a official looking court document on XXXX XXXX XXXX the next day I called the courthouse and was told no court papers had been filed and to ignore or contact the lawyer listed. I did not contact him as hes not pleasant. But I did notice he signed a scrawled name in spot where the judge or clerk signs. Here is the name of lawyer XXXX XXXX XXXX XXXX Mi. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: ID

Complaint narrative:
The bank is supposed to offer a {$200.00} bonus for opening an account and receiving 2 direct deposits from an employer of more than {$300.00}. I completed these requirements, and the bank is refusing to honor the promotion. Ive spoken with the bank 4-5 different occasions, each time they come up with a different excuse. They have resorted to making up requirements beyond what is stated in the terms and conditions for the offer ; for example, their latest excuse is that i do not live in a state where they have a branch. It is true that in their offer terms, one requirement is that I must live in a state where they have a branch. However, on the day that i applied, XX/XX/XXXX, this state requirement was NOT listed. it was only listed AFTER i applied. 
To be specific, XX/XX/XXXX account opened XX/XX/XXXX direct deposit from paycheck of {$550.00} XX/XX/XXXX direct deposit from paycheck of {$550.00} " 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. Offer is not available to existing BMO Harris personal checking customers ( including signers on joint accounts ) or those who have closed a BMO Harris personal checking account within the past 12 months. Offer can not be combined with any other offer and is limited to one per account. We reserve the right to amend or cancel any part of this offer. "

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 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
XXXX XXXX has attempted to collect a payment since XX/XX/XXXX and has forwarded this alleged debt to XXXX XXXX XXXX ( EDP XXXX ). XXXX XXXX XXXX continues to send me debt collection letters. My account with XXXX XXXX ( XXXX ) was canceled in XX/XX/XXXX with no remaining balance -- returned all the equipment. If there was a remaining balance, according to California consumer debt laws, after four years a debt can not be collected. The time lapse was completed In XX/XX/XXXX. I want the negative credit reporting from XXXX XXXX XXXX and XXXX XXXX to be deleted from XXXX, XXXX, XXXX XXXX and XXXX, per California laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I have made multiple attempts to cancel Mortgage Insurance on my loan with LoanCare over the last 8 months. They have been unresponsive and difficult to get in contact with and I have been unable to get the issue resolved. The instructions given by the LoanCare representative have been followed, and all requirements have been met.

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 2017-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank has given me XXXX funds and california state controller stated my chase fund was deposited onto XXXX XXXX which is illegal.my business name is XXXX XXXX

Company response to consumer: Closed with explanation