vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I withdrew {$250.00} directly from the Wells Fargo bank teller on XX/XX/XXXX at around XXXX, and was given XXXX {$100.00} bills and XXXX {$50.00} bill. I needed the cash to exchange for XXXX currency on my upcoming trip to XXXX. When I got to the currency exchange stand in XXXX, I was informed that they could not accept XXXX of the {$100.00} bills because it was counterfeit. They returned it back to me after writing " COPY '' on it. Upon my return to the USA, I took the marked bill to the same Wells Fargo branch where I took out the money and explained what happened. They confirmed that it was counterfeit, but informed me that they could not do anything about it because I had already left the " store '' with the counterfeit money. I asked if they could review tapes or confirm who the teller was, but they said it would not help since I had already left the store. They were condescending and rude. i closed my account immediately and withdrew any remaining monies in the form of a cashier 's check. I took the counterfeit note to the XXXX, as I have learned through my own research is policy. To the best of my knowledge, the bank has not reported the incident nor are they looking into the distribution of fraudulent money. I spoke to the service manager while I was there, but I was not able to speak with the branch manager ( nor was this option offered ). I have also not been able to get a hold of the branch manager by telephone. The Wells Fargo branch I went to is at XXXX XXXX XXXX XXXX XXXX, CA XXXX, and the telephone number of the branch manager is XXXX ( name is 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 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The credit bureaus are now limiting how and when your account information can be investigated. Because I disputed information on my mortgage account over a year ago, XXXX will not allow me to dispute any information again on the account unless I go through a lengthy process of re-submitting additional information and substantiate my requests. This is how the credit bureaus are going to work around and not truly help the consumers and maintain control while limiting any negative reputation towards creditors. I think it 's wrong! If it 's been over a year and I need to dispute the same account, I should be allowed to without any hassle and resistance. The bureaus are supposed to be there to help us ensure creditors are not abusing their power and accurately reporting. They should not be limiting/controlling how and when I need to make complaints on an account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This second loan was included in our Chapter XXXX. The court documents show that this loan is to be avoided upon completion of Chapter XXXX. We have completed and received our discharge on XXXX 2015. The loan servicing company America 's Servicing Company which I believe is a Wells Fargo company has been sending me statements and bills up to this date. They have been reporting this account as a charge off to credit bureaus. This is clearly a violation of the bankruptcy discharge injunction.

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 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Client was denied a modification under HAMP guidelines XXXX XXXX, XXXX. A request was made to the plaintiffs attorney on XXXX XXXX XXXX to accept immediately {$26000.00} as a downpayment, waive the late charges and prothonotary fees and spread the remaining aarrearge over 6months. The reinstatement as of XXXX XXXX XXXX was {$29000.00}. The fees that were being requested to be waived amounted to {$750.00}. That plan was declined XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: OR

Complaint narrative:
A debt is owed to XXXX XXXX College for a XXXX, the teacher was incompetent at teaching the course. I received a XXXX in the course which I was fine with until I started at XXXX the next quarter and recieved a 98 % in a college XXXX course, My math skills placed me out of the course I scored a XXXX in. I thought the class was paid for but since that time i have received repeated harassing phone calls from XXXX. XXXX XXXX College clearly has no interest in the welfare of their student body if this is the agency they send outstanding debts to. 
I have been called over XXXX times by the rock hill number generally XXXX a day to XXXX a day but recently has lessened in frequency though I also received calls past XXXX which is illegal in itself. I have donated money XXXX XXXX XXXX College, however i am not going to pay this " debt '' after this serious harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I received a preapproval from XXXX XXXX. The letter stated that due to my creditworthiness I could receive a personal loan at 5.99 %. With the letter I also received an " Invitation Code. '' So, naively I went on line because I was preapproved! Well, no one receives a 5.99 % rate or a rate close to that amount. I was offered a rate of 12.75 %! I have excellent credit so I was confused as I was preapproved. I called and spoke with XXXX VERY RUDE customer service employees and was told that they can change the rules at any time! So now my credit score will drop due to the inquiry and of course I am not interested in a loan at 12.75 %. This letter is extremely deceptive and is nothing but a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
BPO was completed on property that we are working on a short sale on - the lender 's BPO came back extremely over valued so we completed a value dispute. Our value dispute is attached as XXXX and " Seller Report.pdf '' I have also attached the e-mail chain to the manager XXXX XXXX, I 've been trying to get him to respond since XXXX XXXX and I 've sent XXXX e-mails without a response at this time. The last response we got was on XXXX XXXX where we were told that they disagreed with our value dispute and would only offer a deed in lieu because of the condition of the property. 

The condition of the property would be irrelevant if we already have a buyer for the property who is willing to accept the condition of the property. The BPO was proven to be inaccurate and incomplete per our value dispute but they will not adjust the value. They have told us that even though the BPO was " incorrect '' that does not effect the value of the BPO - which just ca n't be true based on our dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
I am currently under contract with Big Pucture Loans LLC. I borrowed XXXX XX/XX/2016 and I am still paying on it. It has a apr of 783.0324 % which is outrageous. The total i will pay out will be XXXX. When i went online to find out how contact them a headline stated the company was fraudulent. I then found out they are not authorized to conduct buisness in the state of Washington due to the outrageous APR.

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: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: TN

Complaint narrative:
I have asked 3 separate times for a letter saying my debt was paid so I can have it removed from my credit card and the debt company used by XXXX XXXX XXXX can not seem to get me the letter. I only received the collection notice because I moved and never got a bill via US Mail. I need this letter to complete a process and these people are INEPT at getting this done. The company is Enhanced Recovery and their number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-24 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 I am a victim of identity theft and noticed a collection from XXXX. 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 XXXX 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. 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 Recover 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 2016-05-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: NC

Complaint narrative:
ERC collection services, sent a collection notice to my parent 's address. I believe this was an attempt to avoid the mandatory validation period. My current address has been the same for 6 years and it can be verified on my credit reports. My mother just sent forward this notice to me on XXXX XXXX, 2016. This letter was sent to my parent 's house on XXXX XXXX, 2016. This was an obvious attempt to circumnavigate the validation process, by sending it to my parent 's address. Derogatory marks concerning this notice has appeared on my credit report. This is in violation of the Fair Debt Practices Act, because I never had an opportunity to seek debt validation.

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 2015-11-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
Castlepayday.com proposed one amount and then fradulantly proposed a different amount on another document.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
I had made a payment with my credit card to settle the debt owed. I have sent a copy of my credit card statement to ERC Collections showing my payment but they say their system shows no payment. They have wrongfully reported this to the credit bureau even though I have paid.

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 2015-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In the year 2000 I paid and closed a equity line of credit, and Citizens Bank never notified the Registry of Deeds in XXXX XXXX in the State of Massachusetts I had to pay {$77.00} to record this discharge which I feel the bank should have paid for the discharge. In the cover letter nothing ever said or implied that it was up to me to have this document recorded

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Financial Group is improperly assessing fees for Regulation D. The letter of the law clearly states that this regulation governs transfers " made by the depositor and payable to third parties. '' Citizens has assessed me and presumably all other depositors a XXXX dollar fee for transfers made WITHIN THE BANK. Please prosecute them to the fullest extent of the law, and assure that the citizens of the XXXX are refunded these millions of dollars in illegal fees which have been levied by the bank. Feel free to contact me by phone or email if a copy of my statement is needed showing proof of their illegal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
Called my child 's telephone and said they were the XXXX County Sheriff and wanted to issue a summons for me on bank XXXX, I also received this same message left on my phone. They then called my employer and left this message for my boss. I called the sheriffs department and they did not call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
I have previously paid this debt to the creditor in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have a Circle Gold account at Citizens bank. This is their product that provides " free checking by keeping a monthly combined balance above {$20000.00}. Eligible balances include most deposit, loan and investment account ''. Since I have my mortgage with Citizens I have qualified for free checking on all my associated checking accounts. 

In XXXX of 2014, I noticed a service charge for 5 months ( {$100.00} ) on one of my accounts. I went into the branch and was told that the bank had just updated to a new system and that they were finding glitches. They refunded the {$100.00}. I asked that they please make sure all my other accounts were not being charged. 

One of the checking accounts associated with this Circle Gold account is my XXXX daughter. She came home this summer and asked what the {$20.00} fee on her checking account was. After investigating I discovered that she had been charged a {$20.00} service fee from XXXX 2014 to the present month ; XXXX 2015 a total of {$360.00}. I called the bank and they told me that I only had 90 days to dispute a charge, and would waive that for an additional month 'because " I was a good customer '' and refund {$80.00} of those fees. 

After some discussion with the branch office in XXXX, MA, I was directed to the Regional Manager of Citizens Bank ; XXXX XXXX who explained that my " contract '' said I had 90 days to dispute a change and there was nothing he could do about it. 

I signed up for FREE checking - my accounts have been eligible for FREE checking during this entire time. What part of my " contract '' with XXXX is enforceable - the one that I get free checking? Or the one were I have 90 days to dispute a charge even if the charge was a bank charge that should not have ever been applied AND was applied due to an admitted fault in their system?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I was approved by a mortgage by XXXX, but my current bank, Citizens Bank, said they would meet or beat any competitive mortgage rate. Based on this, I sent my good faith estimate to them which I received from XXXX with a 15yr 2.875 % rate and a {$1000.00} credit. As I have done banking with them for 20 years, and also have my business account there, they sent me an email saying they would offer me a better rate at 2.75 % with no discount fee and appraisal fee paid. I reached an agreement with the mortgage agent for a 2.75 % rate, no discount fees, and a {$500.00} credit. 

I went to the bank the next day and signed all the paperwork with Citizens Bank. Good faith estimate was sent to me three days later which was incorrect ( and inconsistent within the document from section to section as to what was being offered ). I informed the mortgage agent and was told that it was a system generated email which did not reflect our agreement, but it would be correct at closing. 

This was a short sale situation and the bank holding the property paperwork had already agreed to an extension and would not give another, so we had to close on XXXX/XXXX/15. 

Received the HUD one hour before closing and saw it was incorrect. It did not reflect our agreement ( and did not even match the Good Faith estimate ). The HUD showed the correct rate, but added discount points and I was charged for the appraisal. There was no credit given. Called the agent and she refused to re-issue the paperwork to the bank. Tried to call her supervisor with no success. As this was the last possible day to sign the closing I signed the paperwork expecting we could get this resolved after the fact. 

It has been two months since my closing and my calls/emails to the mortgage agent, her supervisor, his supervisor, and the regional vice-president have all been ignored. I have just now received a form letter stating they will not honor their original agreement. 

I have a complete timeline and copy of every email/call/document which I will attach ( and which I presented to my branch manager ) and am happy to meet or discuss this with anyone from your agency. 

Thank you for your assistance in having Citizens Bank honor their original agreement which was used to get me to sign up with them. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
My iPhone loans with Citizens One loans were setup to be paid automatically by debit card. 

The debit card had to be replaced by the bank as it was compromised by fraudulent activity. 

Subsequently Citizens One emailed me to let me know they had not been able to take payment. When I tried to log in to the website ( per the instructions in the email ) to change my details, I was greeted by a blank screen, despite having logged in with the correct credentials. 

When I called them about it, they claimed it was a browser problem ( it was n't - I tried with XXXX different browsers on XXXX different devices ) and told me I could only switch to paying by credit card for the current due payment. They told me they would escalate the website issue and I would be contacted with a resolution in 7 - 10 business days. I never received any further communication about the website issue. 

Instead I waited a few days and was able to log on and switch the autopay to my checking account, so I would n't face this issue again with a debit card being taken out of use. 

When the next payment came due, I again received an email saying my debit card payment had failed, even though I had switched the autopay to my checking account. Again I tried to log onto the website and again was greeted by a blank page. 

I called again, and was again told it was a browser issue on my end, and that I could pay the current payment via credit card. 

I 'm in an endless loop of being denied reasonable means to update my information without them reverting to old information, and some kind of scam whereby they 're forcing me to pay by credit card, presumably so they can charge me some kind of additional fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: CA

Complaint narrative:
{$410.00} is the amount that the collection agency with the business name of ERC is currently trying to collect from me. I do not agree with that amount, for XXXX wrongfully biilled my family for early termination of mobile phone contract fee of {$200.00}, which we refused to pay, and now the amount is {$400.00}. When i called ERC they failed to disclose where the other {$210.00} in debt originated from. I think it is necessary to get the documentation showing that they are the appointed collection agency that is collecting on behalf of XXXX, and to disclose documentiation to me that shows what attributes to the {$410.00} in debt, for what I understand is that only {$200.00} should have been billed for the early termination fee of contract, and not {$410.00}. 

Can you contact the collection agency and explain to them that they need to show. 
1. proof of having the right to practice as a collection agency in california , i would like to see this 2. proof of the debt that they now are collecting from XXXX, a document stating the amount that I owe and what i am being billed for Without these documents I refuse to pay any money to ERC. 
Please let them know if they do not show proof, they need to delete the debt from my credit report. 

Thank you. 

COLLECTION AGENCY NAME AND ADDRESS ERC XXXX FL | XXXX XXXX

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 2016-12-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
XXXX agree to disconnected service after they try to raise price I send back their equipment and was told no longer owe anything, but the invoice was sent out by mistake.

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