vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I was never contacted or sent anything in the mail about this debt and one day it just popped up on my credit so I had to research myself to get a number and when I called the women was so nasty and rude and would n't let me even ask her anything she just kept saying " how are you going to pay for this debt credit card or money order '' the amount is absurd and I do not owe it. Every time I dispute it they wait a month and put it right back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
There was identity theft and my identity was compromised. 
I have filed for a police report and the FTC identity theft victim affidavit report, and copies have been forwarded to this bank Fraud and Claims department. 
Discover Card did not address this issue, and this is a claim filed per Federal Trade Commission, a file putting in complaint dispute with credit institution on debt collection and mitigating loss incur by XXXX of " ALSO XXXX '', " ALSO XXXX '', " ASLO XXXX '', XXXX '' and Discover Card. 
Payments were made and reversed by above mentioned company " ALSO '' using my identity information and accesses my account to fraudulently reversed payments and embezzled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have never had a late payment and Wells Fargo is showing multiple late payments. As well, they are not reflecting the correct balance of my loan. I have asked multiple times customer service to correct this information and they have done nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I would like to lodge a formal complaint about the customer service I received from Wells Fargo Bank employee XXXX on XXXX XXXX 2016 and she is based in XXXX. 
Her employee ID is XXXX and she is based in XXXX AZ She was not helpful on the phone and I was called Madam several times, even when I told her I was a man. 
I would like an formal apology from Wells Fargo and she should be disciplined by management.

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 2016-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I have a mortgage with Bayview Loan Servicing and they provided me with a modification XX/XX/XXXX. The modification was to have a principal reduction feature in it of {$410000.00}, spread over 3 years in the month of XXXX of the proceeding years. The stipulation for the modification was that payments would need to be within 90 days to get the principal reduction. I unfortunately had a niece pass from XXXX at the age of XXXX that I help with the funeral arrangements. I addressed this issue with Bayview Loan Servicing and also sent them supporting documents pertaining to my situation. On XXXX XXXX, XXXX I received a letter stating that I would still be eligible for the last principal deduction. Now Bayview is stating they will not indeed give me the deduction even though I have the correspondence from them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have repeatedly requested a loan modification and I am being denied twice. I have appealed the last denial but have not received any response to my appeal. I have a foreclosure sale scheduled for XX/XX/2016 so time is very important. I feel Wells Fargo is not being helpful and seeking to time me out as they have a horrible history of doing. 

I am requesting a new loan modification review and a new pay off statement.

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 2015-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Integrated Recovery Services
State: TX

Complaint narrative:
The company who is calling me on an old debt called and discussed the matter with my XXXX year old daughter and my employer. They also advised me they are trying to have me fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I took out a mortage in XXXX. The mortgage payemets were affordable the first couple of months of the life of the loan. However, the monthly mortage payments skyrocketed within a the first year of the mortgage loan. The increased on my mortgage payments made it impossible for me to keep making payments on my mortgage loan. Now, I am trying to fix my mortgage loan by doing a a short sale but the bank is not allowing the process to go through.

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 2017-02-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I accidentally transferred money to the wrong person through Wells Fargo Surepay. I entered the wrong phone number. I made a claim with Wells Fargo and their policy is 7-10 business days to investigate the claims. They contacted the other financial institution and there were n't enough funds in the account to return the funds. They communicated to me that there was nothing else they could do. I have three concerns about this process. First, there should be a way to match up the phone number and name of the recipient for money transfers. They currently only match up the phone number. Second, Wells Fargo took too long to investigate the claim. The individual withdrew the unfds by the time they looked into it. Lastly, Wells Fargo should continue to request the funds until there is enough to return the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I BEEN WITH WELLS FARGO BANK FOR XXXX YEARS I NOTICE MONEY BEEN MISSING IN MY ACCOUNT SAYING ITS OVERDRAFT FEES ETC THEY DONT CALL OR ONCE IN A WHILE SEND ME BANK STATEMENTS WARNING ME IF I DID THEY STILL TAKEN MONEY OUT MY I CALL AND BANKERS PUT ME ON HOLD WITH NO ANSWERS I FEEL THEY STEALING FROM ME I CANT TAKEOUT WHAT I DONT HAVE THEY OR SOMEBODY MAKEN A MISTAKE TAKEN MY HARD EARN MONEY I NEED ANSWER I SEE THEY GO LOT COMPLAINTS I DONT THINK ITS XXXXRIGHT TO STEAL IF U DO FROM THEM U GO TO JAIL BUT IS IT LEGAL TO STILL FROM HARD WORKING PEOPLE WITH FEES THEY DONT KNOW NOTHING ABOUT I CALL BUT GET NO ACTIONS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am putting a complaint today on Wells Fargo Bank because I have had a credit card with them since XX/XX/XXXX in which I was originally approved for {$2000.00} after approval I requested a credit line increase in which I was approved for {$6000.00}. I was then approved for another increase to {$12000.00}. I have had my account in good standing and on XXXX XXXX of this year I used my card for USPS for {$1.00}. After this charge there have been multiple fraudulent charges on the account in XXXX XXXX Nevada. I noticed my card was lost and have tried to call wells fargo and notify them of the activity and they are denying speaking to me over the phone and requesting for me to step in to a branch. I explained to them that i am not near a branch and they are telling me they are not going to help me. I have personal and business accounts with them have had my business account since XX/XX/XXXX and there are plenty of ways for them to verify me and they continue to try to give me a hard time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX : Sender 's Reference : XXXX XXXX : Bank Operation Code : XXXX XXXX : Date : XXXX/XXXX/2017 Currency : US Dollar Amount : XXXX XXXX : Ordering Customer Name and Address : # XXXX, XXXX OFF NO XXXX XXXX XXXX and XXXX XXXX : Account with Institution - XXXX XXXX XXXX Wells Fargo Bank , N.A . Head Office, XXXX XXXX XXXX : Customer Name and Account : A XXXX # XXXX Wells Fargo Bank is refusing to acknowledge receipt of an incoming international wire to my account ( please see the wire info details above ). The sender confirmed with their bank and the intermediately bank that the fund had been received by Wells Fargo Bank. I 've had the same problem with Wells Fargo Bank about XXXX years ago, but it took them 35 days to acknowledge the wire and release the fund. I called their Executive Office earlier and spoke to XXXX XXXX, who was not willing to 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 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Dear Bayview I am continuing modification process from prior servicer XXXX 
I am concerned as to if there is a sale date or not, as conflicting information is being received. 
The trustees confirmed the sale date is suspended on the record. 
I received different information from Bayview. 
I want to keep my home. 
If you would assist me in making sure all parties have the same information Bayview XXXX XXXX Company Bayview stating I must sign a new assistance form with Bayview before modification can be complete- I received form XXXX/XXXX/2017. 
Bayview letter stated if there was a modification in review with prior servicer - the modification would continue. 
Has Bayview received mortgage records from XXXX XXXX XXXX. 
I am confused on the process at this time receiving conflicting information. 
Would you confirm if prior servicer has forwarded a complete file I appreciate your time greatly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was forced to deposit & wire to multiple amounts of money because of threats to harm my children. What was a harmless internet romance, turned into the worst year of my life. That being XX/XX/XXXX. After my dad XXXX XX/XX/XXXX.A girl named XXXX XXXX XXXX XXXX XXXX XXXX . She was nice in the beginning, until when she scammed and threatened me, and my family. The first bank was Wells Fargo, which was a bank wire. Acct holder XXXX XXXX XXXX. Address- XXXX XXXX XXXX XXXX XXXX CA. XXXX # XXXX. XXXX ) Another wells Fargo wire Acct # XXXX, Acct Holder XXXX XXXX Address- XXXX XXXX XXXX XXXX XXXX CA XXXX {$1200.00} XXXX Dep. amt - {$1500.00} XX/XX/XXXX. Dep- {$2600.00} and {$2400.00} XX/XX/XXXX. 

A wire and multiple deposits were made to XXXX XXXX holder XXXX XXXX XXXX. Acct # XXXX. Address- XXXX XXXX # XXXX XXXX CA XXXX. A wire for {$3000.00} and XXXX manual deposits for {$2000.00}, {$1000.00}, {$670.00} And {$1200.00} on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX deposits to XXXX XXXX Acct # XXXX, in the amt 's of {$1600.00} an d {$2000.00}. 
Another XXXX XXXX XXXX acct holder XXXX XXXX Acct # XXXX in the amt of {$2500.00} done XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX a wire {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
The Bank was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
The other was XXXX XXXX XXXX, XXXX- XXXX. co.a wire for {$25000.00} acct # XXXX. XX/XX/XXXX. 

XXXX XXXX XXXX XXXX , Wire Amt for {$10000.00} & {$7200.00} Acct holder- XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX acct holder Stop $ wholesales a teller deposit for {$6000.00} & {$10000.00} done the same day. XX/XX/XXXX Acct # XXXX. 

XXXX XXXX XXXX multiple deposits to XXXX XXXX XXXX Acct XXXX - XXXX for {$2000.00}, {$1000.00}. {$3000.00} on XX/XX/XXXX, and {$3000.00}, and {$2300.00} on XX/XX/XXXX. 

Last but not least XXXX XXXX XXXX a deposit made for {$4000.00} on XX/XX/XXXX @ XXXX XXXX Acct # XXXX. XXXX XXXX continues to threaten me through the use of private numbers and yahoo messenger XXXX, and her lawyer also at XXXX XXXX. IM also reporting How I was treated to the consumer Financial protection Bureau. I believe have aided and abetted these known criminals. These criminals stooped so low to say I will join my father in XXXX with my kids, and me being on medication for XXXX and XXXX complied. These banks have treated me with such discrimination. My local police did n't help XXXX bit. I still have all the receipts for said transaction. When I found out I was scammed, I asked XXXX XXXX to recall the wires, and they refused. I want My Money Back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo has charged overdraft fees on debits against the account when there were still pending transactions on the account, meaning there were still technically funds available. The excuse I have been given is that the pending transactions are considered ( whether they actually post to the account or not ). I transferred funds into the account to ensure a XXXX balance prior to the pending transactions posting to the account. I was still charged overdraft fees. Wells Fargo already has past issues with the way they structure their processing for debits ( XXXX v. Wells Fargo Bank ; Case No. XXXX WHA ( XXXX. XXXX. ) ). I have been a Wells Fargo bank customer since XX/XX/2009 and have never had this issue come up prior to the beginning of this year. This is the XXXX occurrence of this behavior that has happened to me in the last 60 days.

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 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint because I feel that Wells Fargo is not honoring their part of the agreement with the government. I have been trying to get a loan modification for over a year and a half. During that time Wells Fargo has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I used to make over $ XXXX a year and now I am making half that. My husband XXXX, so he could not work for many months. We have had to borrow money from family and borrow from our retirement just to make ends meet. I believe that Wells Fargo illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Wells Fargo not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 55 % of my gross monthly income. If that is not considered a hardship by Wells Fargo, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated in 2003 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that Wells Fargo is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks ' policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. I 'm not asking for charity, I just want what is fair and right. From what I understand Wells Fargo took millions from the government, but they are not helping the people that legitimately deserve it. Please help me save my home. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX, my bank manager at Wells Fargo, XXXX XXXX, XXXX, VA XXXX ( XXXX ) informed us ( myself, my daughter, and son-in-law ) when we started our small business ( XXXX ) that if we invested our own money to show good faith that we would qualify for a low interest business loan. We invested at least XXXX into our business and when we applied for the business loan, XXXX XXXX, Division Lending Manager, Wells Fargo Business Direct continues to deny us due to:1. A Collection problem on my credit report which Wells Fargo resolved in XXXX 2014 but refuses to send me a copy of the resolution ( just reported tonight XXXX XXXX ) to send to the XXXX credit report services and2. states my son in law and I have invested too much money in my business to receive a Wells Fargo small business loan. ( too much debt according to our income ). 
3. XXXX XXXX and XXXX, the branch manager keeps asking for more and more information which we have supplied but can not fix due to : XXXXA. Wells Fargo will not send me the Resolution Letter in my favor to send to the XXXX credit reporting agenciesXXXXB. Lied to us about receiving a small business loan after we invested so much of our own money that we can not get the small business loan they promised nor get .... 
XXXX A small business loan from any other lender due to NOT sending me the Resolution Letter to clear my credit report AND encouraging us to delete my line of credit with Wells Fargo to where I have too much debt to quality for their promised small business loan nor get a small business loan from any other lender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After a real estate sale XX/XX/XXXX, I deposited the proceeds check from XXXX XXXX, with the local Wells Fargo branch. The teller 's receipt stated the funds would be available the next day, XX/XX/XXXX. The next day I requested a payoff for an unrelated mortgage, the deposited funds were required for the payoff. I was alerted through email, on XX/XX/2016, that the funds I deposited with Wells Fargo would be held for 10 days, due to insufficient funds on the XXXX Account. I contacted XXXX XXXX and was told the funds were in fact available in the account. A manager from XXXX XXXX has provided me a letter stating the date the check cleared XXXX XXXX, XX/XX/2016. I attempted to get Wells Fargo to try again to remove the hold but was told it could not be done. After the 10 days, on XX/XX/2016, I proceeded with wiring the funds to payoff my mortgage, but because of the 10 day delay I was required to pay over {$400.00} in additional interest. I requested, from Wells Fargo, the additional interest be credited to my account since Wells Fargo erroneously held my money. On XX/XX/2016, I was contacted by XXXX XXXX at the XXXX XXXX branch, that Wells Fargo is prepared to return half of the interest I had to pay due to Wells Fargo holding my funds without my access for 10 days. This is not acceptable to me. Imagine multiplying my amount in question of {$280000.00} by the multitudes of Wells Fargo customers on a yearly basis. This illegal process of " Gaming '' as stated recently in a XXXX court, manipulates my money and probably thousands of other Wells Fargo customers, to generate interest for Wells Fargo. I find this gaming practice unethical and possibly criminal. This complaint constitutes a formal request to investigate Wells Fargo on this practice of holding customers money, after they have received funds in order to generate more income for themselves at the expense of their customers.

Company response to consumer: Closed with explanation