vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
These folks filed a garnishment on my wages. But, when I called to make arrangements before the first garnishment payment came out I was told they would stop the garnishment. They did not. When making the arrangements and signing documents I asked if I could print and fax the papers, so I had time to read them. I was told they could not have time to stop the garnishment if I did n't sign right now. I was told where to sign while an agent was on the phone with me on hold. I told them I needed to go but they insisted I sign all the papers or they could stop the garnishment. I signed the papers so I would not miss the opportunity to get the garnishment stopped. The following Friday my paycheck was short XXXX. I called them and asked what happened? They denied telling me the garnishment would stop. I was then told the garnishment would stop after XXXX on time payments. So I said you are taking 5 months of XXXX garnishment and my XXXX payments? they said yes. They said we will send a modification to reduce you garnishment to 5 %. They did not. I would not be near as upset about any of this until I got the documents detailing my arrangements request for additional documentation. They are charging me {$13000.00} on a {$10000.00} dollar loan. After 5 month of garnishment i will have only paid the their collection fees. And on top of that I have to send in more documentation before the arrangement is valid. They were calling XXXX5 times a day, weekends, and holidays. Making me crazy. They began calling my ex-husband and my daughter. I just do n't understand how they can garnish me and take payments at the same time and I am paying 30 % in collection fees on a Federal student 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 2015-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
I had a mortgage through Penny Mac. This loan was an FHA loan with mortgage insurance. I paid off the loan on the XXXX of XXXX. I was charged mortgage insurance and interest for two months when calculating the amount needed for closing. Interest for XXXX and the entire month of XXXX though it was paid off on the XXXX within the grace period for payment of the loan and mortgage insurance supposedly for XXXX and XXXX paid in XXXX and XXXX, again the payoff was received within the grace period for paying the payment. 
Also I analyized the escrow account for the entire period of the loan and the amounts paid in the the escrow plus the initial amount in from loan inception, less payments made do not come to the total refunded to me after closing. 

I would like someone to review the mortgage as I feel I have not received all of the funds due when the loan closed. 

The loan number is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: COMMERCE BANK
State: NE

Complaint narrative:
I need help with understanding the legal/ethical practice of Commerce Bank repossessing my camper after I had filed for bankruptcy. I have not obtained a clear or accurate definition of how/what occurred. I had not had any contact with Commerce since XXXX, 2016. After receiving their letter informing me of the auction date, I called to inquire and have been given three pieces of information that seem wrong/unethical. 1. We did n't have a number for you. False 2. They could n't contact me due to my bankruptcy. 3. Reported that their documentation stated that I had personally asked to have the camper picked up. False. 
Please contact with any needed info/questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received an offer to take a cash advance against my Wells Fargo Credit Card for a promotional rate of 3.9 % for one year, in the amount of {$7500.00}. I also use this credit card for purchases, and I made {$5000.00} in purchases. I always pay off my purchases when the credit card bill comes in. So, when the bill came for {$12000.00}, I paid {$5000.00}, realizing that the interest on the {$7500.00} would go against an outstanding balance that interest would be charged against. To my surprise, Wells Fargo applied the entire {$5000.00} to the promotional balance, leaving the purchases unpaid, at an interest rate of 12.49 %. So, the upshot is that if you do n't use the credit card for ongoing purchases, you will probably get the promotional rate on the full amount of the cash advance for a year ( as advertised ). But, if you actively use the card, then the promo balance will be paid off in a few months, and you will owe a much higher rate on the purchases - which never got paid. None of the information about the promotion indicated that this is how payments would be applied. Wells Fargo did refund all the interest that I paid this month, but said I would need to call back every month and ask for the interest back - and they may or may not be willing to do this. Had I known that this was how they were going to apply the payments, I would have never used the promotion. I already had the {$7500.00} on a loan with a 6.5 % interest rate, so I am worse off now.

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 2016-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
During the last recession, like many Americans my husband ( at the time ) and I lost our home. It was a difficult time for many. And it takes years to recover. Seeing the 'foreclosed ' debt drop off my credit report in XX/XX/XXXX was what I thought to be a brand new start. I was going to own my own home again someday. Then XX/XX/XXXX I received a notice from an attorney that I was being sued for our XXXX mortgage that had a balance of $ XXXX, PLUS interest and Attorney fees now totaling an amount of over XXXX. This is nearly 9 years later. I 'm not an attorney nor can afford to hire XXXX. While I responded to the Attorney immediately I did not send it to the court and now have a judgment against me. 
I 'm a XXXX year old single mom of XXXX. I work hard, XXXX jobs sometimes to make ends meet and to provide for me and my family. This will now haunt me for at least another 10 + years. 10 if I just file for bankruptcy and possibly up to 20 years if I do n't. What good is the statute of limitations if they can do this? How are we not protected? The Obama Mortgage relief plan is helping some ... .just not those of us that paid the price 9 years ago. 
Wells Fargo bought/acquired the loan at some point. When I have no idea as the original lender, XXXX XXXX XXXX XXXX has gone out of business and it was the one reported on the credit report. I have NEVER until XX/XX/XXXX received anything from Wells on this old debt. 
Sincerely, 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 2017-01-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2013, 2 insurance checks ( total of XXXX ) were cashed at the XXXX of Wells Fargo without my knowledge nor my authorization. Their Bank Manger cosigned for the checks to be cashed and the money dispensed.

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 2015-09-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I set up payment arrangements in the amount of {$50.00} a month. Basically the account rep did n't want to agree to that amount because in the last two months he has been authorizing payments to take everything in my account and when I spoke with him he told me since I owe the bank for the credit card they can take any amount from my account with no explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
XXXX XXXX call a third part number XXXX and left a voicemail, detailing what I need to do, but not Identifying himself as debt collector or what collection agency he works for. This third part now knows my personal business. XXXX XXXX also called my number, and on the caller ID it was masked as private. He leave a voicemail, but again did not identifying himself as a debt collection. The only thing he stated was, there was a compliant file against me and to call XXXX and reference # XXXX before further action it taken against me. XXXX XXXX then called me at work and identified himself only as XXXX XXXX and tried to obtain personal information about. I asked if he was a debt collector and not to call me at work. He replied " Yes '' and " Why? ' I explained I could be terminated and XXXX XXXX proceeded to collect on the debt after he was given this information. XXXX XXXX actions are harassing and believe this collector/agency has violated FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Our mortgage loan was purchased by Wells Fargo a while back. Things were great at first and then in XX/XX/XXXX we received a letter from them saying our property taxes were past due, this was around XXXX. Our taxes are not due till XXXX. Then before we knew it they added escrow to our loan without our knowledge raising our payment by {$600.00}. We are on a fixed income. We finally had to get a lawyer and get this escrow taken off, which it was. We have tried to get our mortgage refinanced XXXX times this year recently the XX/XX/XXXX. It has been XXXX months and still no mortgage because of Wells Fargo. They have put inaccurate info on our credit report making our credit score keep going down. They are saying our mortgage payments have been XXXX and XXXX days late but we have bank statements to prove there not. They recently updated our credit report with inaccurate info that made our score go down far below the score needed to get a mortgage loan. When we XXXX applied our chances were good but they have done this to our credit report to keep us from getting our mortgage refinanced. They are even harassing us by mail and phone calls at the beginning of the month with collection calls saying our payment is late and delinquent when it is not. Why are they doing this to us? All we want is to get our mortgage refinanced with a respectable company and lower our interest rate so we can have our taxes included in it with a lower monthly payment. They did the same thing in XXXX when we wanted to refinance. Also in XX/XX/XXXX we received another letter from Wells Fargo saying our property taxes were delinquent ( according to our tax agent our taxes are not XX/XX/XXXX, and not delinquent till XX/XX/XXXX ) again for this year and they gave us till the XX/XX/XXXX to pay them or they were going to add escrow to our loan again??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Loan payment processing time within the Wells Fargo banking system. Payments automatically debited/transferred from Wells Fargo accounts take 3-5 days to process, accruing interest on full loan amounts daily.

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 2015-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This submittal is associated with complaint # XXXX in that this is the bank my check was written against. I had made a mistake in writing a check ( # XXXX ) to the assisted care facility for my mother 's care. The figure amount was {$2000.00}, however, the written amount was " XXXX ''. Wells Fargo Bank credited my account for the abovementioned amount. When they received the actual check the discrepancy between the figure amount and the written amount should have raised a " Red Flag '' as to what is the correct amount to credit my account. Previous checks have been written against my account for the figure amount ( {$2000.00}, XXXX thru XXXX ). When I questioned the bank 's Branch Representative of why this check was not denied. I was informed that they go by the written amount and not the figure. This I believe to be improper business practice because it might render a customer account in an overdraft situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
My mortgage originated with XXXX which was taen over by Wachovia. I got a refinance loan from Wachovia. When Wachovia was taken over by Wells Fargo thid loan dissappeared. I called the bank day in day out looking for information about this loan. They could give me no information what so ever. I wanted to increase the payments in order to pay it off before I retired. All the secure emails relating to this problem were deleted, hence no evidence of my correspondence. I even sought my sister 's help as she lives in New York and could communicate more easily with the bank. Still no joy. i can honestly say I spent 4 years trying to get to the bottom of it. Then suddenly about a year and a half ago it appeared online with my checking account and mortgage details. Since the revelations about the ban I have gotten in touch with them again and have been told my account details have been forwarded for further scrutiny. It has not been resolved yet. I also transfer money internationally on a monthly basis and have been charged double for these transactions for ages. I complained about this last year and was once again fobbed, I would be most grateful if you could look into this for me as i am struggling to get this loan paid off and was unable to get payments increased before, so I feel it 's the bank 's fault that I am now left with this debt. Where did this loan disappear to for so long? I feel I am paying loan shark rates.

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 2016-10-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
The creditor took on my loan when i never should have been approved my credit score was barely XXXX. The creditor put my interest rate of 120 %!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
RE : Richland Holdings , Inc. d/b/a ACCTCORP OF SOUTHERN NEVADA We firmly believe this debt collector regularly violates the FDCPA rights of the consumers against whom it collects. 
In our case, specifically, they took a debt approximately worth {$2900.00} and within 2 years turned it into {$10000.00} ( that 's over 3,000 % in interest and fees ). Further, the interest rate, 24 %, which they claim to have used in our case is excess of the max penalty of 19 % assigned to the contract tied to this debt which was with XXXX. This debt collector enriched itself unjustly in my case by misrepresenting the amount that is owed and charging exorbitant interest fees on top of the original debt. 
I would like this company Richland Holdings , Inc. d/b/a ACCORP OF SOUTHERN NEVADA to be investigated for false representation of the amount owed and unfair practices, which are both violations of my rights under the FDCPA, and for predatory business practices and unjust enrichment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXX XXXX, a hotel, charged me {$250.00} for a " smoking fee '' because they said they seen me smoking inside the hotel room. I called and complained to the manager because I DONT EVEN SMOKE. The manager hung up on me and I made a claim with Wells Fargo. Wells Fargo credited my account for the {$250.00} but they just took it out today. I am not going to have {$250.00} stolen from me. This is absolutely ridiculous and complete theft.

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 2015-12-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I filed a complaint to CFPB, which Wells Fargo has still not resolved, and now this case is under investigation by a XXXX investigator. I am continuing this complaint because Wells Fargo ( through their foreclosure division, XXXX XXXX XXXX XXXX XXXX ) SOLD MY HOUSE XXXX XXXX, XXXX even though Wells Fargo never proved they or XXXX XXXX had the legal right to arrange a sale. I only received a letter saying they consider the case closed and they are not obligated to provide any more information to CFPB or to me. But this is nonsense. Wells Fargo NEVER complied with the first and most important element of my Qualified Written Request : 1. A full, double sided, certified " true and accurate '' copy of my original promissory note and security instrument and all assignments of the security instrument. THIS MUST INCLUDE ALL ADDED PAGES AND ASSIGNMENTS from XXXX, XXXX through Trustee 's Deed Upon Sale around XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have previously submitted a complaint and Wells fargo has done nothing to resolve it. Time and time again I try to ask questions of clarification about documents they need and they are either totally unresponsive or tell me they can only talk to my realtor. I have been dealing with this for six months now. I have had an offer on the home and I have been proactive and they are anything but. My SPOC will call me with an update that is basically, " there is no update. '' ALl they did with my last complaint was to send me proof that they gave me information about the short sale process. They did not do anything to indicate that they are actually trying to resolve the issue.

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 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
acct- XXXX wrote a letter and contacted CFPB stating in detail what I was complaining about!!! 
XXXX XXXX wrote a letter as I have recieved before at least XXXX times from other people saying same old non-sense! 
Tell us what you want give details explain, tell us about your situation in detail etcccccccc.! 
It is what they keep doing the CFPB needs to investigate this company Wells Fargo Home Mortgage. I have explained everytime the issue in detail. They are insulting me and trying to get over on CFPB. I am asking the CFPB to investigate and take action because they are probably doing this to many people and it 's not fair and intentionally deceiving. 
I have so many letters from there asking the same things as if we are dumb and ca n't understand. 
We ( my brother and I are furious ). 
I am also hoping everyone on this web site as well as all the other websites that I have utilized and do not do business with this company WELLS FARGO HOME MORTGAGE. 
They are liars they fool you, ruin your credit when it is not your fault. they do n't care about their customers.If you need all my documentation I have it to give asap. 
They take no accountablity!!!!!!!!!!!!!!!!!!!!!!!!!!! 
PLEASE CFPB PLEASE INVESTIGATE? 

XXXX and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation