vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I have a Man coming to my house saying they are going to have me arrested if I do n't pay so much to them on a loan from Security Finance Company of Tennessee. I am Filing Bankruptcy with XXXX XXXX Attorney of Law in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We are attempting to get a mortgage and use the VA. The VA broker has asked us to contact Wells Fargo to see if the Home Equity Loan was charged off, discharged because our BK XXXX & XXXX filed in XXXX and show no late pays. We were told it is an open bankruptcy. We asked why we were n't sent to collections. The Wells Fargo rep stated they received the C & D letter from our attorney. 
We are trying to get a payment history from Wells Fargo to show the V.A. proof of no late payments for the last 12 months. It has been asked for verbally, as well as, in written form. The 1st time we asked verbally on XXXX/XXXX/XXXX to have a history back to XXXX XXXX. We received a transaction history that covered XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ( Attachment A ). The 2nd time was the written request ( Attachment B ). I called to follow up on the request from the XXXX. We sent via fax on XXXX/XXXX/XXXX. We called back to follow up XXXX XXXX XXXX ) to find out that the fax was n't received or sent to the wrong number. So we faxed to another fax number on XXXX/XXXX/XXXX and received correspondence via fax on XXXX/XXXX/XXXX ( Attachment C ). The fax from Wells Fargo was received after we called to follow up on the XXXX. We called back on the XXXX to let them know the letter was received and to make sure they knew we were giving it to the VA loan broker ( which is mentioned in the letter ) due to their statement " The information provided below is provided at your request in strict confidence for your use only. '' After showing the letter to our broker over the weekend, we found out the verification of mortgage letter we received did not have anything requested. All payment info was marked N/A. We also sent proof of no late payments from our BK XXXX file showing Wells Fargo did not set up a payment plan with the court. On XXXX XXXX we called to see if they could refax the letter with the payment history information. We were told to send in another fax request explaining in detail what we needed. They stated it would take XXXX to 10 business days so we went to the nearest branch and had them request it via phone to have mailed to us. We do n't know what to do to get the information we need to buy/sell our 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 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have asked my mortgage servicer to remove the escrow reserve on my account and re-analyze with no reserve/cushion. They refused initially and have since said they " are researching ''. I have the option to keep a reserve or not. If I choose not to have a reserve, I bear the responsibility of absorbing larger changes in escrow elements from year to year, which I am willing to do. RESPA only allows for up to XXXX months, and my state allows for the same, but neither requires a reserve as part of my escrow account.

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 2016-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I opened a bank account at Wells Fargo in XXXX, Co. in 2015 and had my Veterans Administration Pension deposited directly. While my account was active, the bank received a garnishment letter from XXXX XXXX Child Support Enforcement Unit. Due to my deposits being from Veterans Affairs for my pension, the account funds was not garnishable. Wells Fargo charged my account XXXX dollars for processing the garnishment order, like I mentioned, led to non garnishement. I contacted the Regional manager from Wells Fargo Bank by phone at was told that once the account is cleared by the XXXX, that they would credit the XXXX dollar negative balance my account had because of the order. It never happened. I went to the location where I opened my account and talked with a bank rep. but was unable to get the reversal of the XXXX dollar debit which led to my negative balance. My account is was closed by Wells Fargo for not getting the funds after I stopped my direct deposit and has sought other collection procedures to include phone calls to my phone asking when I was going to pay it.

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 monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo is refusing to remove data from our credit report. Wells Fargo reported we were late on a mortgage payment after the loan was paid off in full. We were specifically told to make no further payments to Wells Fargo. 
Their action has severely damaged my family 's credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank charged XXXX insufficient fee on a checking account when money was in the account to cover the XXXX transaction. At the end of the day customers account was in the positive and was thrown into the negative with a transaction that posted the night at close. They also received a deposit on the XX/XX/2015, allowed customer access to it the money which kept account positive. Then stated that there was not money in the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I recently refinanced my home mortgage with Wells Fargo. My complaint is that Wells attempted to delay payment of my school taxes from the old mortgage 's escrow account in a way that resulted in the new, refinanced mortgage having a higher balance. It 's complicated but this is what happened : - My local school taxes are due in XXXX. Each year, Wells Fargo would make the payment ( around {$3500.00} ) from my escrow balance. I applied for the financing in XXXX, with an eye toward completing the refinancing in XXXX or early XXXX. But I had questions about what would happen to the escrow account. The Wells Fargo loan officer explained to me, in XXXX, that the outstanding escrow balance, which was peaking due to upcoming payments, would be used to pay down the principal on the original mortgage. For example, if the payoff amount on the loan was {$150000.00}, and the escrow balance was {$6000.00}, at closing, that {$6000.00} would be applied to the loan, bringing the balance down to {$140000.00}. That seems positive -- but I would still on the hook to make the {$3500.00} tax payment in XXXX. I became concerned that, if the refinancing closed before the school taxes were paid, I would need to come up with an addition {$3500.00} at closing. Wells Fargo told me not to worry. In an email, the officer told me that the school taxes would be paid in XXXX before the closing, which ended up being scheduled for XXXX XXXX. I kept an eye on my mortgage account online, but the XXXX payment never posted. Finally, a couple of days before closing, I called Wells Fargo 's call center and they told me the tax payment had been put on " hold. '' They did n't pay my school taxes as expected and promised. Then the kicker : I received the Closing Disclosure from Wells Fargo. My outstanding escrow balance was being used to pay off the old loan, as they told me it would. But they added to the loan principle {$3500.00} for outstanding XXXX school taxes and prepayments for 11 months of school taxes for XXXX. By delaying payment of my XXXX school taxes from escrow, they effectively inflated the balance of my new loan by {$3500.00}. The interest on {$3500.00} on a XXXX, 3 % loan is not much. But if this is their standard business practice, Wells Fargo can incrementally boost their customers ' mortgage balances, at least during months when big tax payments come due. Multiply that by XXXX or mortgages over many years, and it 's real money. 
I told my mortgage officer that I would walk away from the loan if the school tax was not made. Wells Fargo did do this. But if I had n't made a stink, I would have been out {$920.00} in added interest payments over the life of the loan ( see attached closing disclosures ).

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 2016-06-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I was denied durable power of attorney over my XXXX-year-old mother 's checking and savings account due to a credit report. I was told I was at risk because of a cosigned student loan with my daughter that was in default which happened to be that with Wells Fargo. I was told that once this was cleared from my credit report then I could act on durable power of attorney from my mother 's Wells Fargo accounts. I have excellent credit and had no way of knowing this account was in default. This should not even matter. My elderly mother needs help with her finances and her bank has denied her that right of having me act as a durable power of attorney. All documents were recorded, certified stamped with seal as required by Wells Fargo. This denial took place at the XXXX South Carolina branch. After much research and phone calling, I concluded that this is the practice of Wells Fargo in general.

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 2016-02-29 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: IN

Complaint narrative:
I 'm receiving calls from Professional Financial Services at least XXXX15 times a week. This tactics is unacceptable and causing additional 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 2015-10-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We submitted an offer on a house that is for sale, via short sale, through Wells Fargo on XXXX XXXX, 2015. Since then, we have had to update the contract 3 times, to which we still can get no response what-so-ever from anyone at Wells Fargo on the status of the contract. The listing agent has been through XXXX different people at Wells Fargo and not one has been able to give any of us an answer. One week, our contract is with the negotiator and they 're pushing for an answer by the end of day on Friday, which has now been a month ago. I have since sent an email to the board of directors at Wells Fargo and have spoken with a gentleman, but again, they have no answers as to where our contract stands.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Recovery Services
State: OK

Complaint narrative:
XXXX from Integrated XXXX called asking to speak to an employee of our company, we let them know this was a place of business and personal calls were not allowed. XXXX then laughed and said it was funny that he ca n't speak to the employee about her debt she owed. Our other employee asked how he could be discussing her personal matter with someone other than his customer he said he was n't. She asked him not to call the business number again. He then called back and when he was again asked not to call our business again, he said get use to my voice you will hear it everyday til she pays and hung up. We then called the company spoke to another gentleman who said he would take us off the list of people to call. The next morning our manager called the company and spoke to XXXX after we had received an automated call asking for garnishment information about our employee. She spoke to him about his employees collection efforts, he then said he would take care of the matter and that he recognized the error of XXXX collection efforts and assured us that our business would not be contacted again. at XXXX XXXX/XXXX/2016 XXXX called again, asking for our employee, we let him know we had spoken to his manager who said we would not be contacted again. He said no we did n't, there was no XXXX and that he would continue to call everyday. Our manager then called XXXX back who said would you like me to spank him? She asked why his attitude had changed since their earlier discussion, he said that the only way they would stop was if the debtor had her lawyer send a cease and desist letter. Our manager let him know that was not true and to be expecting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I purchased a CD in XXXX 2000 from XXXX XXXX in the amount of {$5000.00}. I went to Wells went to Wells Fargo to cash it in and they told me they had no record of due to theit due to the fact that the banks had changed/merged over time. I wastold too much time had elapsed that it was either send to unclaimed property orcashed by me long ago. I do not recall cashing it in! When they checkedunclaimed property they had no record of it being sent to them. I was told that the bank records do n't go back that far in time. I was also told a letter was sent tome " back when ''. I did not receive any correspondence regarding this CD. 
Where is my money. The bank ca n't just say " it was turned over tounclaimed property '' or '' their records do n't go back that far ''. I feel thatthe bank should PROVE to me that it was either cashed, or give me mymoney plus interest. They just ca n't say well we do n't have it or haveany record of it. It is their responsibility. I have the CD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been trying for over Four years to get a Loan Modification from my servicer ASC / Wells Fargo, They have obstructed me in every way by losing the documents & changing the managers over & over & has made it impossible for me to get the modification, & recently XXXX issued a New Directive to all Mortgage Servicers for Principal Reduction Modification & I am well qualified & so I contacted my servicer & they are giving me the run around again.

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 2016-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Your Home Page is emblazoned with WE 'RE ON YOU SIDE! No you 're not! Just another XXXX/Banking outrage at Wells Fargo is met with a fine. A FINE?!?! The people who perpetrate these crimes do n't give a XXXX about fines ... they do n't pay fines, the stockholders do. This is a LONG standing problem and fines will do NOTHING to stop it. You know what will? Prison time for executives. Until these low lifes go to the slammer, these outrages will continue ad infinitum. The Wells Fargo executive who oversaw the fraud retires with XXXX even though WF has a clawback policy for malfeasance ( which they have chosen not to invoke ). This is a MAJOR fail for the CPFB. If all you can do is hand out meaningless fines, you are just going though the motions of doing something useful.

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 2016-06-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Wells Fargo has countered the buyer on this property without having done an interior appraisal. When we requested a copy of the value from Wells Fargo representative XXXX XXXX, he stated Wells Fargo does not have to provide a copy of their appraisal, and therefore does not have to comply with the XXXX Valuations Rule or CFPB guidelines. He refused to help us and referred us to the negotiator instead. We had already reached out to the negotiator " XXXX XXXX '' last week and she has refused to respond. 

We believe, in fact, there is no appraisal on file at all. We believe Wells Fargo has either an automated value or a drive-by BPO on file. To label either of these as an appraisal is Fraud. 

The homeowner has stated they have not given interior access to anyone from the bank. We believe their reluctance to provide a copy of the value is because it does n't actually exist and they simply made XXXX up. 

Wells Fargo said they do not intend to comply with the XXXX and CFPB guidelines. 

This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State, Federal or CFPB guidelines. They think it is a joke.

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 2016-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I 've reached out to Wells Fargo to modify my loan. On XXXX XXXX, XXXX, I submitted all of my loan modification paperwork with supporting documentation as was required in order for the non judicial foreclosure scheduled on XXXX XXXX, XXXX to be suspended. 
Unfortunately when I went to the Wells Fargo portal to check my loan modification status on XXXX XXXX, XXXX, it 's showing that the foreclosure sale it still active for XXXX XXXX, XXXX. 
Per the guidelines of any any modification agreements that were executed with security deeds under FHA/HUD and were placed in XXXX XXXX Pools that did not follow XXXX XXXX guidelines prior and current, will be null and void per the regulations of XXXX XXXX Mortgage Backed Securities Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; Article IV - Compliance Program Article VIII - Management Information Systems Article IX - Mortgage Servicing 1 ). I 'm attaching the completed modification packet ; 2 ) .the Amended XXXX OCC Consent Order ; 3 ). Wells Fargo Loan status showing that even though my modification pact was submitted, I 'm still showing the sale is moving forward. 4 ) Verified Affidavit stating that Wells Fargo has no authority to enforce the Security Deed and Note.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
My name XXXX XXXX, from XXXX XXXX. I want to make complaint about collection agency 1.Machol Jacques law offices out XXXX XXXX , XXXX XXXX out of XXXX. XXXX farmed my account to XXXX XXXX XXXX with garnished my wages amount of XXXX. We are selling my home, the title company says the debt is still unpaid. XXXX garnished my checking account too. I have pay stub showing agarnishment. I need letter from one or letter debt paid stat. Last ss # XXXX account # XXXX never forwarded the money Machol in XXXX. My home phone is XXXX. Need that letter.. thank you 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 2016-08-15 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: AE

Complaint narrative:
I sent a previous complaint on Western Union. I now tried to submit yet another transaction and have been denied again. I now have to call again and go through the same frustrating process that should have been resolved with my previous transaction. this is so frustrating to be overseas and subjected to this kind of services from Western Union. Please publish this and my previous complaint. may it will prevent other military members/veterans from going through this misery.

Company response to consumer: Closed with explanation