vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I got a call from a XXXX XXXX in XXXX, 2014, telling me he specialized in lead generations. He would purchase leads from a XXXX party lead generator. The leads were {$20.00} each and because I had a XXXX time grant from XXXX and I would invest {$100000.00} then I could purchase XXXX leads. I almost did that but left for a week, where I received at least XXXX phone calls telling me I had committed to this and that XXXX supervisor was upset. 
Then I got called by XXXX supervisor who was very upset that I did n't follow through with my purchase. XXXX supervisor pressured me into buying leads for the amount of {$60000.00}. The leads would come from businesses that had been rejected by the banks to get XXXX terminals and they would result in a 3 to 7 % success rate. 
Then I had also gotten a phone call from a XXXX XXXX XXXX who said he was in charge of monitoring my leads and staying on top of his employees that called the businesses on my behalf on the leads I had purchased for {$60000.00} from XXXX XXXX, XXXX. 
I was informed, by each of these merchants, about a XXXX package that would enable me to build my business and to make a lot of money. These firms were to provide me with business opportunities, commissions, web site, leads, XXXX of XXXX of unique targeted visitors, as seen in the fraud case. I never received the products promised on any of these purchases. These companies deceitfully obtained my banking information and intended to use your payment system to defraud me by unauthorized use of my money. 
Since the initial payment, I have not received the services that were promised to me. I have made numerous attempts to contact the companies in an attempt to get refunds and there has been no response. I trusted these companies with my money and they did nothing but take from me repeatedly. Since these companies have stolen my money and not performed, delivered or helped in the ways that were promised, I am disputing the charges on the grounds that they were fraudulent. 
Fraud occurs when a person or business intentionally deceives another with promises of goods, services, or financial benefits that do not exist, were never intended to be provided, or were misrepresented. 
The above named merchants, about whom I 've found countless complaints on the web, knew the dispute rules and informed me that it could take up to 12 months for services to be rendered. This was done in an attempt to delay my dispute beyond the eligible date. " Intent to deceive '' is clearly listed by FTC guidelines as an unlawful violation that should be refunded. These merchants ' ability to process should be revoked!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was steered to an in house modification and have been making trial payments toward that end. Although I applied for a HAMP modification, I was never given a decision on it. 
Through HAMP, I have made 6 years of on time payments and was never given the opportunity to should recast/reamortize my loan with the HAMP program. I would like Wells Fargo to complete the following form and give me a recast option. 
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 2016-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was the victim of identity theft. On XXXX XXXX I noticed an unauthorized XXXX pending withdrawal from my wells fargo checking account to an account at XXXX XXXX. I requested this transfer be stopped on XXXX XXXX. Wells fargo denied my request to stop this illegal transferred allowed it to occur on XXXX XXXX. After contacting the XXXX, NJ police Wells fargo did request a return of my money from XXXX XXXX on XXXX XXXX. Since wells fargo could not guarantee the safety of my money I transferred most of my accounts to another bank. I did leave in enough money to cover my monthly automatic withdrawals as it would take time to notify all my accounts. Wells Fargo placed a hold on my newly formed account and would not allow bill payment until I spoke with a supervisor, XXXX, in fraud protection. Wells Fargo also sent my new checks and ATM card via postal service and I still do n't have then as of XXXX XXXX. Also every single day since the XXXX XXXX the Wells Fargo online system locks my account access so I ca n't verify any activity without contacting customer service and the fraud department to unlock and reset my password. If Only Wells Fargo would have been as diligent in stopping transactions before the fraud, none of this may have occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a Wells Fargo bank customer for the last 16 years. On XXXX XXXX 2016 I used the SurePay program to send money to my XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}. According to the website ( XXXX ) an email is sent to the recipient, they confirm the bank account and then the money is sent to this person. I did this but XXXX never received an email. Apparently since we had do this 2 years previously the money went straight to a previous joint account she had and was no longer on this account. ( It was a joint account with XXXX 's ex-husband XXXX ) Again no email or text was sent to XXXX verifying the correct recipient as the website indicates will happen. 
I filed my 1st complaint on XXXX XXXX 2016. 10 days later it was denied. I filed 2nd complaint and XXXX filed complaints as well. All denied. I involve the XXXX branch manger XXXX. Also denied. This violates the XXXX XXXX XXXX Wells Fargo publishes. ( XXXX ) At this point {$400.00} has gone to XXXX and he is not going to give it back. ( I asked ) The problem is that Wells Fargo did not follow their own published process which would have avoided this error. 
A XXXX issue is this is a clear AML ( Anti-Money Laundering ) issue. Their system allows and facilitates the flow of funds to recipients not listed in the request. The criminal element is likely exploiting this flaw already.

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 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I called Wells Fargo XX/XX/XXXX to ask about making a lump sum principal payment before my next payment. I was told by corporate to go into the branch and pay before XX/XX/XXXX payment is withdrawn so it can all be applied to principal loan. I went to the bank on XXXX/XXXX/17 gave them {$140000.00} towards the principal. I was given a new amortization schedule to show my XX/XX/XXXX payment principal would be {$770.00} and interest would be {$200.00}. I looked online days later and my {$140000.00} is still not applied. I called corporate and was advised they are " holding '' the money until XX/XX/XXXX the day after my withdrawal for XX/XX/XXXX payment is made. They also said the new amortization schedule will not go into effect until XX/XX/XXXX. This is not what I was told verbally by XXXX different employees and handed a new amortization schedule. As of today right now the {$140000.00} is still not applied to my account and I 'm being told it should happen over the weekend. I am also being told that we will not get any interest on them holding our money. They keep telling me be patient and wait.

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 2017-02-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX XXXX ( hereinafter XXXX ) receives XXXX debit cards and a welcome packet from USAA Savings Bank regular mail. 
XX/XX/XXXX DWH receives a pre-approved XXXX with {$20000.00} limit in regular mail. 
XX/XX/XXXX DWH recognizes that these financial products were not solicited by me and I call USAA to inform the company that I am not a customer and that I have never applied to USAA for any financial products. Moreover, in talking with XXXX at USAA I determine that a fraudster has used my name and personal information to open accounts at USAA and that I am a victim of identity theft. 
XX/XX/XXXX DWH goes to XXXX Police Department to report that I was a victim of identity theft and XXXX begins a police report. 
XX/XX/XXXX XXXX speaks with USAA employee XXXX, XXXX XXXX for USAA. Moreover, XXXX sends XXXX an email ( copy attached ) by and between this USAA employee and the XXXX Police Department stating " USAA is in agreement and has identified XXXX as a victim of identity theft, the fraudulent accounts opened in his name have all been closed and he will not be held liable for the accounts. '' XX/XX/XXXX DWH still receiving statements from a USAA secured checking account and XXXX sends a registered letter ( copy attached ) to USAA XXXX XXXX directing USAA to close any and all accounts that the fraudster opened using my identity and to stop reporting accounts on my personal credit history. 
XX/XX/XXXX XXXX begins to receive USAA credit card bills ( copies attached ) on the credit card account that USAA employee XXXX indicated XXXX years earlier " have all been closed. '' XX/XX/XXXX XXXX runs all XXXX credit reports to check for erroneous activity. Moreover, the XXXX report ( copy attached ) shows that USAA inquired XX/XX/XXXX on my personal credit without a business purpose. 
XX/XX/XXXX XXXX calls USAA and indicates that personal credit inquiries without a business purpose are illegal and that they have never had an account with me ; they had an account with a Fraudster. Moreover, I indicated that USAA is now harassing XXXX with billings, lates fee charges etc. on an account that was supposed to have been erased from my records. Finally, I indicate that if USAA does not send me in writing a statement saying that this credit card is closed and taken care of, I will file an official complaint with USAA Savings Bank 's financial regulator -- Office of the Controller of the Currency. 
XX/XX/XXXX DWH contacts XXXX at XXXX of the Controller of the Currency consumer complaint department and she directs me to file with the Consumer Financial Protection Bureau. 
XX/XX/XXXX XXXX files email complaint with Consumer Financial Protection Bureau supported by various PDF attachments that support the facts of the matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Approximation a year and 1/2 ago I was searching for a part time job over the internet to supplement my full time job to help my children pay for college. I was offered a position but it unfortunately was a fraudulent scheme. Unknowing that it was fraud, I took the check that they sent me and opened an account with Well Fargo and deposited the check. No money was withdrawn. Upon the check not clearing, Wells Fargo then closed the account which I completely understood. Well Fargo said that this incident will not remain on my record and encouraged me to open an account with them in the not too distant future. 
A XXXX has since transpired. Because of financial difficulties, I decided to take a lone out from my XXXX. The XXXX management firm sent me check as a lone in the amount of XXXX dollars. I then took that check to Well Fargo to open an account and deposit it. I explained to Wells Fargo of the fraud incident that occurred a year and 1/2 ago. They expressed that it was not a problem, opened an account and presented me with a debit card which I successfully used the next day. When I went to use the debit card the following day, I was informed it was no longer active. So I immediately when to Well Fargo to understand what happened. Well Fargo told me that due to the fraud that happened XXXX ago, they were putting my check on hold until XXXX XXXX ( approximately two weeks ) at which time the funds would then be available. Please keep in mind that these funds were needed to pay normal household bills. During this time I spoke to the Well Fargo branch staff as well as numerous toll-free numbers that the bank offers. These efforts to resolve were all unsuccessful. So, I made agreements to be able to survive financially until XXXX XXXX. On XXXX XXXX I went back to Wells Fargo to make sure that the " hold '' on my account was lifted. It was then that I was told that the hold was not lifted, and the account is being closed. A check would be mailed to me and would take 5-7 business days to arrive. Again I spoke to bank staff, called toll-free numbers and I also attempted to write Wells Fargo an email ( their web-site would not accept the email request since my account was on hold ). 
In my opinion, if Wells Fargo was going to freeze my account, then this should have been told to me up front and I would have made different arrangements. Secondly, they were incorrect when they said the funds would be available on XXXX XXXX. They instead held the funds for two weeks and then said they were sending me a check through the mail. I asked them if I could get the funds wired if I paid the fee. They again declined to do this. Finally, I believe it was unethical for Well Fargo to accept my money to then make it inaccessible to me for over XXXX weeks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 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: SECURITY FINANCE CORP
State: AL

Complaint narrative:
My spouse visited the local branch of Security Finance to make a payment on his installment loan and was asked by the representative if he was my spouse. He was then asked by the representative if he had spoken with me about my payment that was due. ( we have separate installment loans that are in each of our names individually ) The representative then disclosed to my spouse the payment being due and the balance on my account and proceeded to ask my spouse to make a payment on my account. My spouse did make the payment. This company had no right to disclose any information on my account to any other party.

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 2016-01-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
For years I had credit limits over XXXX. Then the credit crunch came and many non used accounts were just closed and credit limits reduced in a one way transactions. The banks just reduced credit limits. I been working with social security XXXX and have just been approved after a 3 year period of struggle. Now I have Wells Fargo reducing my credit limit without any notice. Just boom. The credit market is so tight, its totally out of control. These big bank officers should have been put in jail for the great recession, just like the savings and loan scan.dal in the 1980 's. Now out of the blue, Wells Fargo lowered my credit limit, again restricting and reducing credit scores and credit limits. Absolute control by the rich and powerful XXXX! Totally out of control in this county, XXXX over a veteran and XXXX individual just because you can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I bank with WellsFargo and they constantly charge me NSF fees unlawfully. I had a debit post to my account on XX/XX/XXXX and then somehow I was charged a XXXX dollar monthly fee and then they charged me an NSF fee after the payment already posted. They constantly credit cash after they debit my account. The bank teller actually gave me XXXX dollars less when I made a withdraw at the bank the other day. This bank is just a bunch of thieves!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Received letter from Wells Fargo thanking me for opening a credit card account with them. The letter also included a copy of my XXXX credit score. 

However-at no such time in the past nor present have I ever requested and/or applied for a Wells Fargo credit card.

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 2016-07-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
This debt was paid directly to the medical provider billing company in the amount of {$560.00}. The billing company is XXXX XXXX. The invoice was paid on XXXX. 

I recently discovered a collection for an amount of {$1600.00}. The collection company is : BUDGET CONTROL SVCS IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX I called the collection company and they advised the collection is valid, and that I owed the money. LIED! 

BCS shoud be fined for their deceitful actions. XXXX XXXX notified BCS in late XXXX that my account was paid in FULL. BCS was aware for 41 days of the zero balance, failed to update my credit report, and attempted to collect an additional {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Car loan that was included in a discharged bankruptcy, and also paid in full with insurance proceeds, is still reporting as open and delinquent to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I did a mobile deposit as I have done for 10 months, they are holding all funds for 2 days. I have always had {$200.00} available immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A business debt of my husband XXXX at Wells Fargo was overdue and because of no contact from XXXX, Wells emptied my bank account and took XXXX. I called the Wells contact in their collections dept ( XXXX ) and she needed to talk to my husband and get permission to discuss adjudicating this account with me which was done. I told XXXX my rent check was going to bounce, I had XXXX kids under XXXX yo and I 'm XXXX. I offered XXXX/Month payment until I could pay more ( debt was XXXX ) and offered tax returns/paycheck stubs/income verification and XXXX refused anything less than $ XXXX/month. We paid off a larger ( $ XXXX in cash and in full XXXX years ago with XXXX! ), however, I started a small business in XXXX and have grown my family. My rent check bounced and added more money and less than a week after my conversation with XXXX from Wells they took another {$3100.00} ( which was to cover my rent ) and when I spoke to XXXX she said it was because she called my husband and he did n't call back ( her reason for taking the original {$2100.00} was due to no contact from my husband ), but I said I am the contact person I 've been trying to work with you. Is that the loophole You call the wrong person and no contact means take all our money I said I wanted to record our call and she refused to talk to me any further even when I said I would not record it she said she did n't believe me and would not/could no tell me legally how they could take over XXXX % of total debt due from a family of XXXX ( XXXX ) who made $ XXXX XX/XX/XXXX? Wells refused to work with us!

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 2016-05-20 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I deposited XXXX $ to wrong person of Wells Fargo bank account holder as a cash.Next day i called to the bank and asked to make a hold on it or reverse my wrong deposit made to the account holder with the original transaction receipt but bank responded me as they cant able to reverse it. 

Please help me to get my money back since it is huge amount. 

NOTE : i made wrong deposit because of fake person asked me to do for part time job offer.

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