vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My mom owns timeshares XXXX at a place called XXXX. She had been paying a monthly maintenance fee and had been researching ways to get out of the contract or sell them. 
Then one day she receives a phone call from a company called XXXX XXXX XXXX and they offer her {$56000.00} to purchase the timeshare. All they asked she do was send {$5600.00} in fee 's to the closing company XXXX XXXX XXXX and they would send her the funds from the sale. They communicate through email and they fax her official looking paperwork and my mom wires the money to XXXX thinking they will send her the $ XXXX. This whole thing is a Scam. 
Now I am trying to get her the money back and have these criminals arrested. She took a cash advances on her credit cards and can not afford to lose this money. I am just so angry with the criminals for ripping off my Mom and want them brought to justice. 
The XXXX who sent the wire asked no questions and just sent the funds to XXXX. I work in banking and we are trained conduct conversations with clients prior to sending funds to spot red flags. Had this banker done his job he would have realized this was a scam. I am meeting with the branch manager tomorrow. I also contacted the wire room at the bank and their investigations department but I know the chances are slim of getting the funds back or having an arrest made. 
My mom is filing a police report and a report with the FBI. I also called XXXX Bank where the funds where sent and they said the XXXX Bank where the funds where received is in XXXX and is separate from the XXXX Bank. I have been unable to get in touch with XXXX Bank in XXXX but am still trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a checking account on XXXX/XXXX/2015, and moved to a new state shortly after. Citibankaccepted my initial deposit of {$8800.00} into the account via a transaction over the phone. To date, I am unable to access my account, or use my debit card as I have not received my PIN number ( despite having mail forwarding, and receiving my ATM card ). Upon calling Citibank representatives they refuse to allow me access to my account in any way. I have had my ATM card and PIN number sent back to me TWICE. I have only ever received an ATM card ( with noPIN ). Additionally, I can not access my account in any way due to the lack of ATM/PINverification. The wonderfully brilliant powers at Citibank decided that an ATM card and PINcombo is the only way to verify identity ... even though they accepted an initial deposit from this very same unverified identity. It is XXXX/XXXX/2015, and I have NO ACCESS to my funds. I have no checks, no usable ATM card, no online access, and no other access to the funds in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 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: PA

Complaint narrative:
I 'm getting things put on my credit report that i dont owe at all.and its really ruinning my credit all up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
I applied for a short-term loan on XXXX/XXXX/16 and at the time of the loan I did not notice that the annual percentage rate is 607.3385 % and my total finance charge would equal {$3800.00}. My loan amount was only for a total of {$750.00}. I have had a total of XXXX payments of {$180.00} come out of my checking account. My payments are also made on a bi-weekly basis. I also found out that my {$750.00} loan will come out to be a total of {$4500.00}. After doing a bit of research, I found out that the annual percentage rate on this loan is much higher than the allowed annual percentage rate allowed to be charged to an individual. I was not aware of this until I began to do further research on this particular loan. I began to research this loan after I was attempting to get onto the Big Picture Loans website to see what I could do about making a late payment on my loan. My loan shows that it is through Big Picture Loan, LLC but is licensed through XXXX XXXX XXXX XXXX XXXX XXXX, an independent regulatory body of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and is operating pursuant to Tribal Law. I was not aware of the stipulations that are set forth for loan companies until now and I feel that this loan company has taken advantage of my needs by exposing me to an annual percentage rate that is astronomically over the allowed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 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: CA

Complaint narrative:
XXXX XXXX XXXX contacted me around XXXX about a debt I owed to XXXX. They severly hurt my credit by placing this collection on all XXXX of my credit reports. I fought it the first time and it was removed. The same month it was removed, it reappeared on all XXXX of my credit reports under the nameENHANCED RECOVERY COMPANXXXX XXXX, FLXXXXHowever, they call my phone several times a day and the caller ID shows XXXX.They are harassing me.

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 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: LA

Complaint narrative:
A company identifying themselves as Enhanced Recovery Company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a 'personal business matter '. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. 

Calls always come while I am at work, wasting my time, and my customers time. 

Calls are coming from the following numbers so far:XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: GA

Complaint narrative:
I found a credit report entry earlier this year while attempting to get a mortage. I have no idea what this debt is for and the company has not provided a verification of the debt. At the suggestion of my mortgage officer since the amount was relatively low I offered to pay a settlement in exchange for this debt to be removed from my credit report. I never acknowledged that this was I debt that indeed belonged to me. Enhanced Recovery refuses to admit that they have received written requests for debt validation and ignored them. When I emailed the settlement offer that is when they finally responded saying they would get back to me after they check with their client. THis company is a total scam and has had many complaints submitted against them for their debt collection practices. I am considering taking legal actions.

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 2016-05-07 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I filed bankruptcy XX/XX/2015 castle payday was included in the bankruptcy and now I have been receiving calls from wanting me to repay the loan I have explained that I have filed chapter XXXX and have given them the case number and the attorney # and have asked not to call the cell my they continue to call

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizens XXXX Home Loans is not in compliance with the Fair Credit Reporting Act. I have enclose XXXX attachments with XXXX outlining CCO Mortagage ( original creditor ) agreeing to, " waive any possible recourse as to any deficiency on loan '' if I agreed to pay a XXXX time settlement offer of {$6800.00}. ( copy of check enclosed ) The other attachment is from my credit report. Citizens is reporting a XXXX balance and a collection/charge-off. XXXX indicate a recourse as to a deficiency on loan. This is a violation of the agreement enclosed ; Citizens is required by law and agreement to remove any and all derogatory comments from all credit reporting agencies as they constitute a recourse for a creditor to report a deficiency on a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I called Barkley Witt and assoc.on the XXXX initial contact and the collection rep did not disclose the attempt to collect a debit and I called again to get a break down on what was owed and the rep was very rude and hung up in my face before I could give home the reason on my call, I called again and he gave me my balance and did not disclose again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ERC
State: GA

Complaint narrative:
I have been cursed and threatened by the agents with this collection agency and this has been investigated twice before and been removed from my credit report and I am tired of the harassing phone calls and annoying letters from a debt that I do not owe.

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 2016-09-19 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2014 XXXX XXXX was to receive a wire transfer from a XXXX client. 
The wire of {$40000.00} was sent to a scam account that a Wells Fargo employee opened in the name of XXXX XXXX, which we had no knowledge of. 
The client sent us the wire transfer receipt which showed the receiving bank as Wells Fargo, XXXX XXXX Branch We have no knowledge of this account and our account is in XXXX in XXXX. 
We called the Wells Fargo Branch immediately. The funds were still in the account. We told them this is a fraud. They did not help us. The next day a person walked into the XXXX XXXX Wells Fargo branch and withdrew the {$40000.00} and closed the account. 
I am the XXXX of the company. The owner is an XXXX year old man that is ill. This loss was devastating and the company had to close their office and work from a home location. 
We are pleading that you assist us. 
We filed a complint with yur bureau XX/XX/2014. You did not retrieve our money. Now that Wells Fargo is in the news with exactly the scam that happened to us we are hoping that you will help us be paid the amount of {$40000.00}.

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 2015-06-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I discovered on my credit report Wells Fargo is reported a card opened XXXX XXXX, XXXX, this account closed/charged off on XXXX XXXX, XXXX, noting I made a payment XXXX XXXX,, XXXX, WHICH I DID NOT, and last reporting XXXX XXXX, XXXX. I have been on XXXX since XXXX. I do not even know what this is!! I called Wells Fargo, was transferred to collections, then recovery. NO ONE COULD FIND ME BY MY SOCIAL! I want this removed from my credit report. I do not even know what it is, let alone have made a payment in XXXX XXXX! Can you help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My XXXX XXXX XXXX was Reposessed by Wells Fargo Bank on XXXX/XXXX/XXXX. Wells Fargo hired a company called XXXX that then subcontracted with XXXX XXXX XXXX out of XXXX, PA. Upon learning that my vehicle was Reposessed I contacted IRS in order to recover my Personal Property. I was informed that my vehicle had been transported out of state and that my property would cost me {$75.00} to have it returned. In addition I was told I was not allowed to have the Ball Hitch that I had purchased because it was " attached '' to the vehicle. I asked the manager there what if my boat had been attached to the hitch and she laughed and said " bye bye boat '' I reached out to Wells Fargo because I had been told numerous Consumer laws had been violated throughout the repossession process. The agent drug the vehicle out of my driveway leaving over XXXX ' of skid marks down the driveway and out onto a main road. In addition I am being told that the Ball Hitch and Lockong Pin, most definitely needed to be returned, and also that IRS was required to keep the vehicle in the state it was Reposessed in and they actually transported it over an XXXX drive from my home.

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 2016-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
While applying for a mortgage with Wells Fargo we had a home appraisal done the appraisal went through but we did not fund the loan with Wells Fargo we chose to go with a different lender one that lender contacted Wells Fargo to obtain a copy of the home appraisal they refused to give out the appraisal invoice and the XXXX report they said was never generated and at the XXXX documents were internal documents and they would not provide him without the XXXX documents the appraisal invoice and the XXXX report we are unable to use the home appraisal that we paid for Wells Fargo advise us that they would not provide that information that they did not have to share the information even though I paid for the appraisal that they were unable to give it out that it was an internal document and if I had a grievance with it I could take them to court to recover the costs they did provide a copy of the appraisal after repeated inquiries by myself and the new mortgage company and multiple attempts to send out partial information to drag their feet in attempt to lapse the time so that the appraisal would not be able to be used by the new company causing me to pay for another appraisal when asked for a copy of the invoice I was advised that they would not provide it my credit card company only shows a charge to Wells Fargo in the amount of the appraisal no other information was provided when I called and asked Wells Fargo for a copy detailing exactly what was paid for the amounts and dates for tax purposes they refused to give this information stating that it was an internal document and they would not provide it I advised him that I felt that I paid for this information it involves me directly and that I should be entitled to receive this information I was also advised by my mortgage company that they do provide the information willfully to other lenders when asking Wells Fargo about this information they stated that they choose not to participate in this and that all of their information is held private they would not provide it and they do not have to provide any of that information

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 2016-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XXXX XXXX, 2016 I called Wells Fargo Bank to inquire about refinancing my mortgage to get a better interest rate. I initially contacted Wells Fargo because they have a special program for teachers as listed on the teachers ' union website. I wanted to get a loan estimate that I could use to compare and shop around with other refinancing offers. After talking to a Wells Fargo representative for over an hour and reviewing costs, he offered to send me a loan estimate. But in order to proceed, he said that I had to pay {$510.00} for a credit report and appraisal. I told him that I did not feel comfortable paying the money without having time to review the loan estimate first. It was early evening and he told me that the rate would not be guaranteed and that we would have to start all over if I waited until the morning to review the loan estimate. Against my better judgement, I gave him my credit card information for payment. I had more trust in the company since they were recommended by the union. In addition, my XXXX year old daughter had been crying about eating dinner and I needed to end the call, but did n't want to have to start all over again. The next day I still felt uncomfortable about the fact that they demanded so much money upfront without giving me the opportunity to review the loan estimate. I decided to call another bank just to compare numbers and they ended up giving me a loan estimate without any upfront payments and ended up being significantly cheaper. I realized at that point I had been lied to about having to pay the money upfront since the other bank made no such requirement to review the loan estimate. I went on the Consumer Finance Bureau 's website and it says, " You can be charged a credit report fee before receiving a GFE. But, you ca n't be charged any other fees until you get the GFE and indicate that you want to proceed with the mortgage loan. '' Wells Fargo did charge me additional fees -- the cost of the appraisal -- before giving me the opportunity of reviewing the loan estimate. By saying I had to give them money at that moment or else the loan estimate would be void, was deceptive and used to get me to go with them after paying such a large down payment. 

They also had the appraiser call me immediately to schedule an appraisal, which is another tactic used to prevent me from shopping around. I realize I made a mistake by not trusting my instinct, but these practices are deceptive and should be banned. 
As a result, I was charged {$510.00} even though I am not using Wells Fargo to refinance my loan.

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 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After spending almost a year in an attempt to request short sale of my only rental property from WF Bank, I gave up and requested a Deed In Lieu of Foreclosure. WF finally approved the DIL after 8 frustrating months. In their approval paperwork, they stated that the property needed to be vacated by XXXX XXXX, 2015. I received this paperwork on XXXX XXXX, 2015. Since this is rental property, I am required under law to give my tenants 30 days to vacate. This is compounded by the fact that my tenants are XXXX and XXXX. XXXX XXXX was a XXXX, so I could not serve my tenants with a vacate notice until the following XXXX, XXXX XXXX, as I live out of state. I served my tenants with a notice to vacate by XXXX XXXX, and advised WF Bank as well as their law firm of the lawful date change. Today, XXXX XXXX, I was advised by WF via telephone that my DIL dispo was changed from approved to denied, because of the vacate date change. They expect me to break the law and force XXXX XXXX people into the street? I am not callous and I wo n't break the law. I do n't understand WF 's tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Alliant Capital Management LLC
State: IN

Complaint narrative:
Company repeatedly calling my work line. I am a XXXX, and this ties up a patient emergency line so a patient ca n't get through, is causing me to possibly lose my job and livelihood. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Two years ago Wells Fargo provided me with mortgage assistance, but then took it away and now I am facing being kicked out of the home I have lived in since 1996. Money was tight when I retired and my mortgage payment was more than the income I had coming in at the time. I attempted to keep up with the mortgage payment and ended up spending all of my life 's savings to stay current on my mortgage. When there was no more money left, I contacted Wells Fargo and I got a lower payment of about {$500.00} per month that I was very happy with. However, when I received the paperwork from Wells Fargo, the payment had jumped up to over {$1000.00}. I was shocked, but tried to make it work. Although it was a struggle, I made the payments for three months, but then Wells Fargo told me that they had to redo the agreement. They then lost my paperwork and the whole issue became very messy. I made three payments to them, but Wells Fargo has dropped the ball and now I am facing a foreclosure sale on my property. I need Wells Fargo to get this straight so that I can spend the rest of my life in my home! XXXX has insured this loan, so I do n't think that Wells Fargo cares and will just sweep me under a giant rug and be done with 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