vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
My husband and I purchased a home in XXXX, we both signed VA loan with XXXX XXXX XXXX. Several years later my husband took out home equity line of credit for XXXX. I did not sign this loan it is in his name alone. I did however sign the lein to our property. In XXXX, my husband died due to XXXX XXXX Exposure in the XXXX XXXX. He left no assets and his estate was probated, leaving the home solely in my name. I contacted XXXX XXXX XXXX and the loan was behind due to medical expenses. XXXX XXXX XXXX did a loan modification for me on the orriginal loan. I am not sure I should have had to pay fees for that loan but I did. When I contacted Wells Fargo, they would not give me any information on the loan, would not eeven give me the terms because my name was not on the loan. They even locked me out of the online account services. I asked if I occuld assume the loan, and they said they could not dicuss the loan with me. They did say that I was not responsible to pay the loan as my name was not on it, but since I signed the lein if it wasnt paid they could forclose. So continued to pay through my bank 100 dollars every month ( the amount due monthly was XXXX ). I still had no idea what the terms of the loan were. A few months ago a statement made it through to my house. This is when I learned this was an intrest only loan with a balloon payment due in XXXX XXXX. I called Wells Fargo and at this point they now said I was elligiable to refinance. Why not three years ago? I dont know, I paid three more years of nothing. The original amount was XXXX I now owe XXXX. I cant get a strait answer out of Wells Fargo and now after fighting scrimping and saving to keep my family home for myself and XXXX children, I risk loosing it even though I have paid XXXX toward the loan over the life of the loan. The last three years without my knowledge that none of it was going toward the principle. Now they are trying to get me to go into a work out??? why I have never been late? They keep sending me hardship paperwork to fill out. My attorney says I am not liable for the loan and shouldnt have had to keep the terms for the last 3 1/2 years. So now a widow of a XXXX XXXX at risk of loosing the family home because of a financial institution taking advantage of consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Foreclosure document fraud by Wells Fargo as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX and the Assignment says the note was assigned in XX/XX/XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned XX/XX/XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS WELLS FARGO HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.

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 2016-02-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Account : XXXX Contacted Wells Fargo to ask them to please stop calling the referrals and family members provided when we applied for loan, we were on the understanding that it was to verify our data. They are now calling relatives and family for my wife and myself harassing them and providing personal information on our loan. We understand that we are a month behind. When I called XXXX this morning, the rep would not provide name nor guidance to make our account current. The rep was trying to belittle me by stating that I should be embarrassed that I 'm behind with no empathy or sympathy for our family current situation. The rep would talk over me and not allow me to explain my case. 
I 'm very disappointed as this is my second request to the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I fell behind XXXX payments on my mortgage last XXXX 2015. I have paid faithfully ever since for 17 months now. Out of the blue, they have thrown me into foreclosure. They never gave me a warning. It states in the agreement, that you go into foreclosure after being 4 months late. I tried to work on my XXXX late payments last year with no assistance. I feel that they are not acting in a legal manner. I need your help.

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 2016-05-18 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HONOR FINANCE, LLC
State: IL

Complaint narrative:
Honor Finance calls me everyday to collect my daughter 's debt and I am willing to communicate with them. My daughter agreed and asked for something in writing. After this they continue to call but are changing their mind regarding the agreement. My daughter will not communicate with people because of her XXXX and they were willing to talk to me before. Now they are saying they spoke with her ( untrue ) and are telling me they know my name and where I live. To me this sounds like threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have had cash on demand account with Wells for the past 7 years. While I may have been late on a payment or XXXX about 5 years ago, I have diligently paid the balance and interest every time I have used the card. Two months ago I received a letter stating that my annual fee would be assessed in the month of XXXX, and since that time I have logged onto my account weekly to look for the assessment and pay my bill. Instead, I received a very curt letter in the mail stating that I had not used the account in XXXX or more months and effective immediately my account is closed. 
I called Wells customer service to discuss having my account re-opened and offered to make a debit to keep it open. I was told they would not reopen my account but I could apply for a new account. 
Had I been notified that they were going to close my account if I did not use the card within X days, I would have happily used the card to keep the account open. 
Wells practice is detrimental to my credit score as I have been a paying customer for years, on both this card and my mortgage. By closing this account they have reduced my available credit balance by {$9500.00}. Moreover, asking me to apply for new credit instead of reopening my account will negatively impact my credit score as it will ping my SSN and show up as a new inquiry and new account, which are factors used in all XXXX of the credit bureaus ' models. 
I request that my account be reopened and that the Wells review the fairness and atrocious customer service element of this practice and the harm consumers that are not delinquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was in XXXX which I have easily proven - it caused me to fall behind on my accounts. My credit card and ck-ing account were tapped out ; yet, I kept up my payments like clock work. When I mailed a postal money order to my local branch, they much later informed me that their post office box was robbed. Leaving me out $ XXXX, which would have made me in the positive with the ch-ing account and a credit card payment made. I went around in circles with them and the post office over the matter. The post office gave me a form that both me and the bank were supposed to sign in order for the post office to refund the money to me. They apparently refused to corroborate. I can not afford any more games or time in this matter. I will, at this time, submit proving I bought and payed for a money with the banks information placed in the right place and mailed to them in a timely fashion. I 'll also leave my contact information looking forward to hearing from someone soon. I have been a member of this bank before they bought out the other credit union they replaced. The bank is Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX basic number is ( XXXX ) XXXX. The lady who did me dirty is called XXXX. I live at XXXX XXXX XXXX XXXX Ca. XXXX, and my phone number is XXXX XXXX XXXX XXXX. My e-mail is XXXXXXXXXXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Yesterday I started receiving emails from Wells Fargo Online stating I needed to sign into my online account to receive updated disclosure information. I received over XXXX emails but the link and last XXXX digits of the account number on the emails were not mine. I called and talked to their technical support and was told they could n't do anything last night as everyone had gone home. Meanwhile emails continue to come in maxing out my primary email address and then filtering into my back up one. The agent said they would look into it and get back to me. After numerous calls today, I was told it was an error and they could n't stop the emails and I would need to delete them all or filter them out. Since they were all received emails there was no way for me to filter them. I called my internet service provider but no luck, Meanwhile Wells Fargo did nothing to reassure me this was not a security breach and no one had my email addresses and information. They offered no compensation for my time and time spent removing these thousands of emails XXXX at a time. I also stated I was concerned as the customers who did not get these notifications but it did n't seem to be a worry for 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 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Inaccurate information report to FHA on an account that is not mine. I 'm contacting you in reference to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My exhusband was awarded this property in our divorce. He did not refinance the house out of my name so I was filed for a Chapter XXXX in XXXX, quitclaimed the property to him and divested all interests in the property. Apparently in XXXX my ex let the proper go via foreclosure and a deed in lieu was signed by him and recorded in XXXX XXXX. I purchased a new home in XXXX and last month I attempted to refinance my home and was told by the lender that an alert was placed in the FHA XXXX system stating that I had a property foreclosed on and that it made me unavailable to refinance under FHA for 3 years. This property belonged to my ex and I should in no way be harmed behind it. I was told I 'm held liable too but that its impossible as I did not sign off on the deed in lieu of foreclosure therefore invalidating the deed. I was told I did n't have to sign papers since the property was given to my ex in the divorce. It can be XXXX statues to adhere to. Either its mine too or its not. If my signature was needed and was never obtained then the deed in lieu is not valid. I ca n't be penalized with him along with his property as it is not mine. I want Bayview to send information to FHA XXXX and have the erroneous information deleted from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I recently discovered XXXX accounts reported on my credit report from a company call Alcom. I didn\\\'t recognized those transaction and i filed a disputed. While in dispute Amcol send me two letters requesting payment from medical bills incurred by XXXX XXXX. this letter that came in the mail violated the debt collection act the provided any debt collection agency from contacting a disputer when the deb is in dispute. The act provide penalties for companies that violate the statute. however this company stated that they don\\\'t go by the debt collection act. they said they only go by their company policy. Furthermore, this debt does not belongs to me. This medical bill belongs to XXXX XXXX and they should charge or attendt to collect the bill from her. I never sign any documents nor summed responsibility for any bill of anyone. I demand Amcol to immediately remove the information from all credit report agency affecting my credit between 30 days. failure to comply they will be subject to all penalties by law and actual damages not limited to punitive damages for acting with knowledge and malice. XXXX company is required to act diligence in verifying the debt. they do not have not right to collect debt from anybody else that have not incurred the debt. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bryant Bryant & Associates LLC
State: NY

Complaint narrative:
I want the creditor Bryant & Bryant to stop contacting me. They are threatening me on the phone and very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
This is an exact copy of the letter to the NH Banking Department. They have refered me to the Department of the Comptroller. I will contact them but its my fear that the process is going to slow down and get caught up in RED tape unless I stay proactive which is why I 'm contacting you. If you need me directly my personal cell phone # is XXXX my personal emaim is XXXXXXXXXXXX. Thank you! 

XXXX XXXX XXXX PLEASE FIND DUPLICATE LETTER SENT TO NH BANKING DEPARTMENT : XX/XX/2014 I was forced into bankruptcy. XXXX of my properties an XXXX in XXXX XXXX.had been mortgaged with Peoples United. Even though all my payments where current Peoples United hired the law firm of XXXX XXXX. As things turned out I refinanced this property and paid off a rather minor first of {$17000.00} that Peoples had on that property. I was stunned at the closing when it was revealed that XXXX XXXX had billed Peoples United over {$7000.00} which went against my closing costs. I have requested an accounting and explanation of these charges and have repeatedly been denied this accounting from XXXX XXXX and Peoples United. Most recently XXXX XXXX had thrown this decision back onto Peoples United by stating that permission needed to be received from XXXX XXXX before they could release the explanation of their fees. I have requested permission from the loan officer and the bank president since I have only received a break down of charges by the day that the charges occurred. 

It is my opinion that both XXXX XXXX and Peoples United are involved in some kind of cover up as to what these charges involve. I 'm concerned that by their actions or lack of they both are obviously covering for one another. 

I 'm just a small business person. Obviously having a challenging and difficult time. I am no match for an underhanded law firm and a huge corporate bank. I 'm determined to see this through though so I 'm asking for your assistance in this matter. Please contact me with what ever assistance you can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I first learned that this company had won a default judgment ( in XXXX XXXX ) against me on XXXX XXXX, XXXX. On XXXX XXXX, I went online to see if a payment for an automatic withdrawal had been processed. I found that the company had a levy in the amount of {$6100.00} against my account and that all of my funds had a hold on them. I have attempted contact with them explaining and providing proof that I am on Social Security, and will lose my rented home if they do not release those funds. I was told that since I had money in a savings account which I had been transferring to my checking account to pay my bills that the entire amount was not Social Security. Even though I explained to them that I have not worked since XXXX, more than a couple months in XXXX and XXXX. I explained that I had been on Social Security XXXX since approximately XXXX, and that I have no income other than Social Security, they have not done anything with regards to correcting this matter. I have called and been told several times that I would be contacted in this matter. I can not afford legal counsel in regards to this matter. I was not served properly, as the address with which I was served was not an address I had lived at for over a year at the time of the supposed service. When I spoke to the attorney regarding this he stated that I was also served at the address which I was living, but there is no proof of service for that address. XXXX. I do not want to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK

Complaint narrative:
A collection was placed on my credit of which I had no knowledge about nor received any notice about the amount claiming to be owed to them. The debt collector ( Millennium Financial Group ) looking to be collect for the amount of {$500.00} for XXXX headquartered out of XXXX XXXX, OK. I do not believe I owe this company nor has proper legal documents been filed showing i owe this amount. Both companies have failed to present me with a detailed spreadsheet showing exactly why I owe the company {$500.00}. Both companies are attempting to collect a falsely amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: BYL Collection Services
State: AZ

Complaint narrative:
I tried to arrange payment and they would not accept them I had to pay I think almost {$500.00} which I did not have at the time and I was not able to fulfill that commitment and then last year they took my state tax which the amount did not go down at all so what do I need to do to settle this?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Phoenix Financial Services LLC
State: MO

Complaint narrative:
A few months ago I recieved a collection call from someone who said they were with Phoenix Financial Services. I asked who is the creditor and what are they saying I owe. They told me I had a hospital visit back in XX/XX/2015 to a hospital in XXXX, TN. She still did not give me any specifics behind that. I told the representative, that I had not visited a hospital in XXXX, in XX/XX/2015. I had a visit earlier in the year but my bill was only {$60.00}. I asked the representative what was the dispute process and she told me I would have to talk to the original creditor. When I asked again who the creditor was, she told me she could not divulge that information. So immediately I thought this was a scam because I had not received anything in the mail from this company. The next thing I know, I get an alert saying a collection was added to my credit report. So i logged into my monitoring service and there was the Phoenix company again with a collection for {$760.00}. Still no communications in the mail had been received, i had not received any more phone calls from the company or nothing. Now I have a blemish on my credit with no information and no communication or opportunity to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Bay View loan bought my loan From XXXX on XXXX 2015. 
I had automatic payment. Bay view services includes an extra charge of {$300.00} every month ( no reason ) they told me screw for taxes and insurance. I provided with all the insurances policies posibles ( I pay extra XXXX year for it ) my taxes ( those were included on the mortgage. 

They are scan..stealing my money.. I do n't know what to do. 

XXXX XXXX XXXX XXXXprorperty address:XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation