vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX, XXXX To whom it may concern : In XXXX of XXXX, I entered into a contract with XXXX HVAC to install a new furnace and air conditioning unit. As arranged by XXXX, the work was financed by Wells Fargo Bank, via a VISA credit card, [ Account # XXXX - Amount : {$6300.00}, ( see copy included ) ]. 
Approximately one year later and after more than {$2000.00} in payments, I received a notice on the back page of my monthly coupon/statement ( which I did n't notice ) that the VISA feature was being suspended and transferred to a new non-bankcard credit line ( see copy included ) ; to use only for home repairs and only with one specified vendor - Home Projects, account # XXXX ( see copy included ). This seemed like a bait and switch deal to me. Needless to say, I was not happy. 
I eventually decided to transfer the balance of the Wells Fargo card to a legitimate bankcard ( VISA, MC, etc. ), preferably with friendlier terms. I chose a XXXX credit card ( per XXXX XXXX ) and applied for the transfer. When my approval was announced it was only for half of the amount requested [ VISA account # XXXX, ( see copy included ) ] and I was informed no changes could be made until after I received my card and paperwork. 
Once I received the card and called XXXX, an attempt was made to transfer the remaining balance from the original Wells Fargo account. I was immediately rejected ( less than 10 seconds ) and I had to suffer another ping on my credit score for the additional credit inquiry ; with no results, despite the representative 's guarded optimism and the short span between inquiries. 
Now I 'm stuck with two credit cards ( each with substantial balances ) and a compromised credit score that I will have to compromise more in order to get the total balance transferred from Wells Fargo. 
Ideally, I wanted this not to have happened, so I would n't have to pay the price I 'm paying now to fix it ; but my desired resolution would include : -- Complete transfer of the Wells Fargo balance to one bankcard ( VISA, MC, etc. - preferably the new XXXX card I presently have ), with equal or better terms as that XXXX card, at no cost to me or my credit score. I no longer wish to do business with Wells Fargo. 
-- If that option is not possible, I 'd like the remaining balance on my Wells Fargo card to be converted or transferred to a bankcard ( VISA, MC, etc. ), with agreeable terms and at no cost to me or my credit score. 
Thank you for your consideration.

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 2015-08-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a short sale approved by the lender, Wells Fargo Home Mortgage. During the sale process the loan was sold to XXXX. The sale was successfully closed on XX/XX/XXXX, as reported correctly by XXXX. I have just ( XX/XX/XXXX ) discovered that my credit report shows a Wells Fargo Home Mortgage FORECLOSURE with a XXXX balance outstanding. The most recent reporting by WFHM was XX/XX/XXXX. I called XXXX to begin the process of clearing the error and was told to contact the credit bureau instead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
Phoenix Financial Service continues to report negative information on my credit reports in regards to a location in which I did not reside. I recently received a copy of my credit report ( XXXX, XXXX and XXXX ) and after reviewing it I found questionable items listed by Phoenix Financial Service. In the past, I have asked that Phoenix Financial Service send me copies of the documents that they have in their files that are used to verify the accuracy of the account. I have no documentation with an account number. No one has ever answered my request. In fact, Phoenix Financial Service completely fails to disclose to me all of the documents that they have in their possession that is concerning the account that is being reported negatively in my credit report. Instead of providing me with the documentation, Phoenix Financial Service insists that the account has been verified and is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo received an entire loan modification on XXXX XXXX, 2015. As of today XXXX XXXX, 2015 Wells Fargo Bank still has a Foreclosure Sale Date for XXXX XXXX, 2015. We spoke with XXXX XXXX of Wells Fargo Bank on XXXX XXXX, 2015 who verified that Wells Fargo hadreceived the documents on XXXX XXXX, 2015, XXXX XXXX stated that Wells Fargo tried to contact the borrower XXXX on the wrong telephone number ( XXXX ) XXXX, despite having the correct telephone on the RMA and the authorization submitted ( XXXX ) XXXX XXXX. 
Wells Fargo is stating that XXXX items were missing from the submission, however, they have never identified what those XXXX items were. When asked did a letter go out, XXXX XXXX says a letter went out on the XXXX of XXXX 2015. However, when speaking to XXXX XXXX of the office of the President he says no letter went out. Therefore, Wells Fargo chose to ignore the submission for the purposes of foreclosing on the borrower, otherwise they would have contacted the XXXX party or the correct number on the RMA which is a legaldocument.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied with my bank that has repeatedly lied and said no adverse information is reporting as a result of identity theft. I still maintain and have open accounts with Wells Fargo, NO ADVERSE INFORMATION THEY PURPORT XXXX TIMES TO THE CFPB HAVE BEEN REPORTED INTERNALLY OR EXTERNALLY. IF I HAD THE CHANCE I WOULD UPLOAD THE DOCUMENTS, I APPLIED FOR A WELLS PROPEL CARD ONLY TO BE NOTIFIED THAT IT WAS SOLELY REJECTED FOR MISHANDLING OF FORMER ACCOUNTS. I AM XXXX OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 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:
This is about Wells Fargo, and investment accounts being emptied on bad transactions that were paid at the transaction level to the investment people at the XXXX branch at the corner XXXX and XXXX in XXXX california. These transactions had a fee attached to them whether or not it was a sound transaction or not. My wife and I lost our life savings due to this blatant, and premeditated unscrupulous action by this bank. We lost approximately {$280000.00} in 16 months of Wells Fargo 's blatant " Theft in the daylight ''. 
This all took place around XX/XX/XXXX-XX/XX/XXXX. A the time, the XXXX. of that branch was XXXX, and he was in control of our money. I am submitting this complaint because I have evolved in my knowledge base, and Wells Fargo is currently under investigation on California for numerous counts of unscrupulous banking methods. The bottom line is, they stole my money in what was at the time, their mode of operation, and policy to disenfranchise their customers of their funds. I know you will keep my personal information from the public, but I am entering my contact information. 

Regards XXXX and XXXX XXXX, # XXXX XXXX, Ca. XXXX. 
( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP
State: WI

Complaint narrative:
XXXX, and other employees from security finance.. would call my work on a daily bases ... to the point that it jeopardize my job ... because of all the calls that kept coming in ... I asked the finance empolyees ( more than XXXX ) .... Please do not call me at work ... and even when I asked them, not to call my work ... the kept calling. If that was n't enough ... XXXX would go to my home.. and harass my underage kids! Too many times this person called me at work and went to my home ... after I told them ..to please stop.. knowing that I was not home.. ( only my kids ) ..one day my friend was meowing my grass and .. told that person ... my finance situation ... and told that person if, I did not pay they were going to take 21 % of my paycheck until I paid off the loan! These company harassed my in more than one way! is there something I can do? need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am currently a XXXX student at the University XXXX and have been unable to get my private student loan from Wells Fargo to be put into deferment ( their policies do stipulate that in-school deferment is allowed ). I 've submitted the necessary deferment forms multiple times and have contacted them on multiple occasions, but they will not put my student loan into deferment. I 've been charged late fees, I receive harassing phone calls from Wells Fargo every morning at XXXX, and my cosigner has received threatening letters about repayment obligations and the negative influence of missed payments on credit scores. I do n't know what to do to ameliorate this situation and I would appreciate assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 

Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made XXXX request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 

I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement? 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I have been trying to complete a " Deed-In-Lieu Of Foreclosure '' since XXXX XX/XX/XXXX with Specilized Loan Servicing ( SLS ). SLS keeps prolonging the process, and the point of contact clerk ( XXXX ID # XXXX ) keeps giving me incorrect information when I speak to her on the phone, and on numerous occations I receive incorrect correspondance from SLS. I receive similar treatment from SLS as alleged in the class action lawsuit filed in California in XXXX XX/XX/XXXX-Failed to inform borrowers what information was missing in order to process their application ; and falsely told borrowers their application was missing information that had already been provided on numerous occasions ( SLS never called me about missing documents, I always had to initiate phone calls to SLS to receive any information that would speed along the process. 
1. In XXXX XXXX SLS asked for a title policy and I said I did not have one from 20 years ago and it appears the title company may be out of business ; another bank told me the banks have the policy not the borrowers. ( 2 ) Then SLS told me my first mortgage had never been discharged and SLS could not do anything until it was discharged. It turned out that this mortgage had been discharged in XXXX. I sent SLS the mortgage discharge certificate which I easily found on the public web site XXXX. Then SLS told me I needed the 2nd mortgage ( by XXXX ) discharged-again I sent them the discharge notice from the same public web site. Now SLS is asking me for the title policy again and I told them I do n't have it. The phone clerk XXXX said she will see what to do and tell me in 7 days-the answer should really only take a day at most ( again stalling ) Stalling the resolution of this process cost me lots of time and needless money-electric, heating, snowploying and insurance costs. Remember this house has been completely empty and ready to give up for 6 months. 
Remember, As currently alledged in the California class lawsuit, it is alledged SLS violated U.S. Consumer Financial Protection Bureau new guidelines regarding modification guidelines-as is happening in my case.If needed I have every bit of documentation and they supposedly taped every phone call of which there were many, all initiated by me.

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 2015-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Yesterday I got a XXXX message from a cousin in another state, whom I, not even yearly communicate with. She writes me " Hey the police are looking for you, they keep calling you. '' I immediately thought it was a joke and responded with a laugh, telling her I think she has the wrong person. She responds saying, " No, they keep asking for ( my name ). '' A few minutes later I get a text message from my brother that shows where she XXXX messaged him stating, " Can you tell your sister the police keeps calling for her at XXXX house ''. Then I knew she was n't joking. I gave her my # and asked her to call me. She tells me that a private investigator from Texas has been calling her mom ( who I have n't spoken to in many years, lives in another state, and I would only know how to contact through my cousin - on XXXX ). She says this person has been calling a lot. Being XXXX mos pregnant, and not a criminal, I became immediately concerned -scared. She continued to tell me that this person happened to call when she was with her mom, and once her mother said my name ( married name that my aunt does n't know of ), she told her mom, that 's " -my nickname-! ". I was/AM completely embarrassed, humiliated, confused as to why someone was calling her for me, and scared of being arrested - especially with my XXXX. I remembered I got a call that same day from a Texas number. I told my cousin I would validate the number, and to give me the number she has. After getting off the phone with her I checked my voicemail. It was a person who said they were an " Investigator '', asking to speak to MY HUSBAND, and that he has a CASE FILED AGAINST HIM. Again, feeing sick to my stomach, I immediately called my husband, and then sent him a text. I eventually forwarded him the voice message I received. He later tells me it is a collector for Wells Fargo Dealer Services, and that he spoke with her last week, and made payments last week. I am highly upset that she would go through such tactics to get him to contact her. Though he is my husband, this debt has nothing to do with me, and to call ( harass ) my distant relatives - who I do not keep in contact with - stating the police is looking for me is EMBARASSING and defaming of my character! Why go through such tactics to get in touch with me??? It is not that hard to find me. No one gave her permission to call these people. I am angry! And how do I clean the situation up with them ... just tell them it was a bill collector calling for my husband? That he has been out of work for months, I am the only XXXX working, - oh, and by the way I am XXXX months XXXX! That is none of their business - and EMBARASSING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been a customer of Wells Fargo for over 30 years. I have been patient with Wells Fargo Up to now. I wrote a check to the XXXX in XX/XX/XXXX for XXXX. The check processor folded the check and the XXXX was paid XXXX dollars. I found out in XX/XX/XXXX when The XXXX send me a demand notice plus interest for my delinquent payment. I understand that it was an error and the Bank would take care of it. I went to my local branch and worked with a banker there. We worked it out, or so I thought. She made a transaction correction and debited my account of XXXX. XXXX XXXX # A XXXX ) XXXX month later I get a demand notice from the XXXX looking for their money. 
I call the XXXX and they say we have not received the funds. 
I go back to the branch. The money from my account is sitting in a frozen account waiting for the XXXX to demand the money. I call the XXXX and they say we just want our money. We do not have the time or resources to call Well Fargo. I made another call to Wells Fargo and they referenced ( XQR XXXX ). I called a few minutes ago and the Wells representative XXXX said she would escalate and get back to me in XXXX business day. I am caught in a nightmare. The XXXX may put a lien on me. This is not how Wells Fargo generates trust. Your process is broken. Please let me know what you intend to repair this horrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX/XXXX/16 a Social Security ACH transaction was received by Wells Fargo Bank and was reflected in my online account as a {$1000.00} deposit and I had a balance in excess of {$1500.00} in my account. I made a withdrawal of {$1100.00} and later in the day attempted use of my debit card for a {$2.00} purchase. The card was denied. Upon returning home, I checked the Wells Fargo web site and saw a balance of {$470.00}. 
Today, XXXX/XXXX/16, I checked the account again and find a negative balance of {$590.00}. 
I call the branch that I had used for the withdrawal and they denied that there had been any such deposit. My next call was to Social Security where the transaction to the proper XXXX and account was verified. I received a phone number to contact the ACH processing at Wells Fargo. After speaking with XXXX persons I find that my account was blocked on XXXX/XXXX/16. No transactions are allowed in or out. 
I called the Loss Prevention phone number that was provided and was told that the Social Security transaction had been returned. I told them that I was to receive a XXXX transaction for {$3100.00} on XXXX/XXXX/16. I was instructed to call back on that date.

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 2015-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX, GA XXXXXX/XX/XXXX XXXXXX/XX/XXXXThis complaint is about a barrier of communication with Wells Fargo Home Mortgage XXXX Since XXXX XXXXXX/XX/XXXX I have been calling XXXX XXXX, Executive customer XXXX XXXX XXXX with Wells Fargo Home Mortgage, and I could not find her. I left several messages and nobody called me to give me the status of my mortgage even my appeal or the status of my modification. I even called XXXX, an associate who is familiar with the case and she never responded to my calls. In a letter dated on XXXX XXXX, XXXX XXXX mentioned that the house was inactive foreclosure and there was no sale date. According to GA court record, the house is scheduled to be sold on XXXX XXXX, XX/XX/XXXX. 

I have submitted the requested paperwork which was the IRS Tax XX/XX/XXXX with schedule E showing the house was not rented for the year XX/XX/XXXX. This is the key item for the bank to approve the modification ... In addition, a termite bound and my driver license were enclosed for her review. I am still waiting for a decision to move forward and nobody care to call or to answer my question. I believe that it is a deliberate practice for denying my modification. Furthermore, Wells Fargo had received Tax Payers moneys to allow all american to receive a modification. The playing field has not been level since the bank made it so difficult to receive a modification. The people in my community complained about the banks practices to deny minorities modification to keep their houses. I am not alone in my neighborhood. This is not my XXXX complaint about Wells Fargo practices for ignoring my calls. It is with intent.

Company response to consumer: Closed with explanation