vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
A little background to the story, I 'm an out of state XXXX student. I get a scholarship to study here & the tuition takes couple months to come in to my account. I 'm not working due to the fact that I 'm a full time plus more student. My mother is a single mother, trying to provide both me & my XXXX year old younger brother. It 's very hard especially during this time of the year, when I have to constantly ask my mother for money for food & material/supplies I need for upcoming/ongoing projects ( materials can be pretty expensive! ). Recently, Wells Fargo charged me {$35.00} XXXX on a purchase I had made at XXXX XXXX on a Thursday and money was put in the following day. Throughout the whole weekend, I constantly checked my bank account to make sure I did n't have an insufficient fund & I was doing completely fine. However, just today which is Monday, I checked my account to see that they charged me {$70.00} total for the transactions. I put in money into my account right after and called in to see if they can reimburse the fees but they coldheartedly declined my request and said that there was nothing they can do to help me. I do n't understand how any kind of banking service would be this rude and disrespectful. The charges were n't my fault, but still they refuse to believe that the fault is their system. I 've been a Wells Fargo customer for good 5 years, and yet they still have yet to respect me as a customer & help me out with the slightest thing like an reimbursement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I obtained my credit reports from all XXXX agencies. I started to dispute information that was incorrect. I even uploaded bank statements and letters from the court house showing these items were paid or released. When I disputed the information, Experian in particular, would respond to me in less than XXXX hours stating " the information has been verified and please contact the company '' I find it hard to believe this company investigated with a company when the dispute was issued at XXXX at night and then I heard back from them at XXXX in the morning, via email. When I tried to resend them information showing it was paid with receipts, their system refused to let me up load or resubmit and investigation. I called them and placed on hold, and hung up on 3 times. Experian even reissued negative information on my credit report when I showed them the information had been paid. Experian is the company that is refusing to work with me, will not file disputes correctly, and when they do have to correct information they present it in a way that leaves a creditor wondering if it is paid, example the balance will say zero, but they will report it as a collection and open and for the balance they will put N/A versus paid/closed collection. I do not know what else to do, I have supporting documentation that these accounts are paid, I have had some credit issues, but I have paid them, it is only right by law they correct the information and not in a way that damages me further. Because of the way that Experian reported information, my credit score dropped by XXXX points even though it was paid, it was strictly because of HOW they reported the information. With the creditor XXXX, I have shown bank statement and screen shots that these bills are paid and they keep them on my credit. They also have XXXX different social securities numbers on my report and every time I call a number then I am transferred 4 times. Please help, I do not want to hire a lawyer because that is more money out of my pocket,. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
My husband was injured on the job in XXXX 2014. I called Wells Fargo in XXXX 2014 to see if there was anything I could do because I did n't want to get a bad pay history with them, and they told me all I could do was try to refinance. Because we lost XXXX of our income, my pay history ( and credit as a result ) has gone down the drain over the last year. Every time I talk to a rep, I have to explain my situation again and am again told I 'll have to refinance, but when I explain my pay history, I 'm told I wo n't be able to qualify for it. So I am basically stuck in this cycle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Since Wells Fargo took over Wachovia bank 6 years ago I 've been using their services ; which I 'm not happy from day one. I have direct deposit {$1500.00} from XXXX ( XXXX ) pension fund Wells Fargo deducted my mortgage payment for the amount of {$980.00} per month at once I was using the balance to pay XXXX or XXXX bills, but I was n't every month. My concern is to have enough to cover my mortgage there was a time tat I was n't using any money left from my account. I never see my balance or never have any money left ove to pay the rest of my other bills on my checking account. Besides I have {$600.00} or {$400.00} to deposit and still be short at times. My problem with the Wells Fargo bank is that they never have enough money to pay my mortgage or any bills. Three years ago I went to the branch at XXXX XXXX and XXXX and deposit {$600.00} on my sister account and she lives in Florida and she never received it .A week later I asked her if she got the money her response was no i have n't. So I went to the bank and complained about it, but I did n't have my receipt. I did request for them to check the Camera or the video and they refused to help me. I described the person who attended me that day at the window, and their feedback sorry there is nothing we can do since you do n't have proof or receipt.

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 2016-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have been trying to get my mortgage modified with Wells Fargo Home Mortgage for over 7 months without success and recently the lawer they hired to try to collect sent me a debt collection notice and on it, it states that I have 30 days to respond after receiving the letter if I dispute the information. I responded quickly to their letter by fax ( attached ) and by phone to the lawyer and told them I was reviewing the information and will get back to them shortly. The lawyer then sets a sheriff sale date for the house WITHOUT allowing me the legal 30 days to review or dispute the original debt collection notice from them.

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 2016-12-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX see attached spreadsheet. Numerous vioations icluding but not limited to illegal fireclusure Federal offense by foreclosing while in a class action lawsuit Isurance fraud Inclusion of earthquake. Insurance unauthorized Gross enrichment Insurance fraud ... .. The list goes on and on.

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 2016-12-21 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I wire transferred XXXX XXXX to a company in XXXX for their service, Wells Fargo charged me {$35.00} for their service, that 's ok but than they charged me an additional XXXX XXXX, claiming the recipient may receive less due to fees charged by the recipient 's bank and foreign taxes, How does Wells Fargo know? 
second now my customer receives only XXXX XXXX??, I consider that fraud, to make my customer happy I have to wire transfer XXXX XXXX, pay {$35.00} wire transfer fee to Wells Fargo and another XXXX XXXX, so where does this end? 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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:
I am a customer for Wells Fargo customer for the second and final time. I have spent a total of 5 hours in the XXXX XXXX XXXX office trying to resolve my deceased fathers accounts. The manager XXXX XXXX was out on vacation today. Unfortunately, I was being helped by someone name XXXX. She was not familiar with the process. Between her and the legal department things went from bad to worst. She was trying to have a conversation with me and the legal department at the same time. She could n't seem to get my name right not once. I was given the wrong forms to fill out. After she notarized them she realized they were all wrong. Although the process was lengthy the first time XXXX XXXX, 2016, it was handled professionally. 
I could no longer continue business with such a unprofessional person ( XXXX ) so I left to deposit and cash a check for my personal account, on the teller side. Well things on that side was no better.. XXXX XXXX proceeded to tell me, very hostilely that it would be a {$10.00} fee for cashing a Wells Fargo cashier check and issuing another one minus XXXX. So, I stated I wanted to cash the entire check and take the cash. He then stated, " that was not possible. Wells Fargo requires a 3 day notice for cashing such a large amount ( XXXX ). I asked him to wave the fee ( as they always did ), he again stated very hostilely, I will wave it today, for the last time. I really do n't think I need to put up with such poor attitudes and lack of employee 's knowing banking policies. I did however receive excellent service from XXXX. What she did n't know, she kindly stated that and politely found out the correct information. I have never, never received such poor service from this particular branch. In the future if XXXX XXXX is out, another person besides XXXX need to cover as a Manager. Their are other qualified and professional staff members that can maintain excellent customer service. There was no one to greet the customers and I sat for XXXX min. before I reached out for someone for help. XXXX XXXX XXXX walked right by me and placed another customer before me. That is when I spoke up. I will not be returning to this branch. As soon as my check clear I will be closing my account at Wells Fargo for the last time.

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 2015-04-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am a victim of identity theft from more than XXXX years ago. Someone tried to open a Wellsfargo Card Services Account in my name which caused an inquiry on my credit report. I have a fraud alert on my credit report stating to not extend credit unless I am contact to approve anyone to view my report. I have disputed this information more than XXXX times and have received XXXX letters asking for information. I have faxed it more than XXXX time and the last representative accepting my personal information over the phone. I received another letter on XXXX XXXX, 2015. I called and spoke with XXXX XXXX, she was very rude and unprofessional and It was discriminating. She would not give me her ID number or connect me with a supervisor. She stated that she did not have an ID number. I was treated unfairly and I have sent them what they needed more than enough times. I want this inquiry removed from my XXXX credit report. It was on XXXX XXXX, 2015. I can be reached at XXXX. Once it it removed I am requesting Wellsfargo to send me something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My wife and I applied for a refinance in early XX/XX/XXXX of our Florida property and we were consequently denied because Bayview Loan Servicing LLC is now claiming that our loan modification was more than 180 days delinquent. This was not on the credit reports when we got the original mortgage loan in XX/XX/XXXX. Our account with Bayview ( XXXX ) has been paid as agreed since the contract started in XX/XX/XXXX. We have diligently been working with Bayview since XX/XX/XXXX and provided them with the necessary documentation to resolve this issue. We have supporting documents including a payment history from Bayview Loan Servicing showing pay as agreed and that our loan is current. We even filed a dispute with XXXX to have this remove from the credit report. XXXX is in agreement that the loan was paid as agreed. We had made several attempts at communications with Bayview 's customer service department only to get the same response that we need to send over the credit report to us to review and we will get back to you. This is has been happening for the past 2 months with no resolve in sight. Can some one please help us to resolve this as it is ruining out credit standing. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I went into a CheckSmart located at XXXX XXXX XXXX XXXX XXXX, Ohio to cash a check in XXXX 2015. The teller XXXX was in a huge hurry because she was scheduled to be off. She quickly called the number on the check to verify the check and funds and cashed it. Today XX/XX/2015 I am getting threatening phone calls from XXXX XXXX at Checksmart Corp telling me I know why he is calling me and he has plans for me to answer to the law, my life is over, huge threats he is making. I have no idea what is going on because he was too busy threatening me and telling me I already knew why he was calling. This is in no way how you conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
A representative named XXXX XXXX from Intake Department called me at approximately XXXX saying that they are in possession of a debt CPM XXXX from XXXX from XXXX 2007 in the amount of {$300.00}. He said that I am being named in a Civil Lawsuit as the Respondent pending a lawsuit of up to {$15000.00}. XXXX XXXX never indicated that the call was being recorded nor they were a debt collector trying to collect a debt. I was asking for verification information because I do n't recognize the debt and it 's ten years old. He said he will tell the client that I am refusing to pay the debt, he never offered to send me a copy of the debt either by mail or email. He was rude and angry he also over talked me and then hung up the phone in my face. He never offered to send me a confirmation letter of the debt. He called my estranged husband with the same threats and we are separated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I was lay off from my job on XX/XX/2014 making it impossible to pay back a XXXX pay day loan with Checksmart and a $XXXX loan XXXX. I have tried to make arrangements to pay back through an installment plan. Instead I am getting threatening phone calls about being summoned because of fraudulent transactions compromising my social security. I have checked the number that calls and I have read some comments about being a collection agency. The number is XXXX Pleas help me stopping the illegal practice by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
We applied for a modification of my mortgage XX/XX/XXXX and the modification was approved XX/XX/XXXX. As of XX/XX/XXXX, we have not received any paperwork regarding the finalization of the modification from Bayview Loan Servicing. We continue to receive late notices from our primary lender ( XXXX XXXX XXXX ), as only partial payments are being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: WI

Complaint narrative:
Money has been sent by Western Union to private party in XXXX. I received information that money can be received in XXXX XXXX WU reps. XXXX women walk for XXXX miles to get it but in XXXX reps told her that is WU system doesnt work. She has to walk back by rough road w/o pavement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
For the past 6 months I have used Orlandi Valuta via Western Union at XXXX 's XXXX in XXXX Ca to send money to my father in law XXXX XXXX XXXX every month in XXXX. On XXXX XXXX, 2015 I sent the usual monthly amount to my father in law via Orlandi Valuta. It turns out my father in law was unable to retrieve his money, according to Orlandi Valuta I placed a call that same day to have the recipient name changed to XXXX XXXX and that the money was already retrieved by that person. Orlandi Valuta said they could not help me even though i explained to them I did not change the name of the recipient. My father in law went to the usual pick up location and he was told that no one by the name of XXXX XXXX has received any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I was trying to send some money to an individual XXXX trough western union. The problem was that I need it immediately because was an emergency at the moment. However, western union asked me for a photo identification, so they will make the money available to the receiver, otherwise western union would not be able to continue with the transaction. I did send the photo id to western union after a couple days and western union said they approved and money was available to the receiver.I did not want the money to be received by the receiver anymore because I send the money already in some other way, so I want it to get my money back as it should be and I did get my money back, but they charge me for the transfer of money which I never send because I received the money myself. I called them 2 times and they told me me that they would not charge me any fees for doing that, but they did and that is my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: P.S.C., Inc
State: WA

Complaint narrative:
Puget Sound Collections is attempting to collect this debt in an unfair and unconscionable manner. I have stated numerous times the debt in question is unrelated to my XXXX accident, and therefore, I wanted to pay this debt immediately. Each and every time I spoke with a Puget Sound Collections representative, they advised me they would not speak to me as I had attorney representation. I have tried to take care of this debt however, Puget Sound Collections will not speak to me about the debt or tell me how much I need to pay to satisfy this debt. These actions are unfair and they are financially harming me. I hereby request that Puget Sound Collections take the following action : 1 ) remove this negative reporting from my credit bureau at once, 2 ) have a manager speak to me about my debt so I can make arrangements to satisfy this outstanding amount ( if the debt is truly non related to accident ). And last but not least they lied to me and my attorneys office stating this would not go on my credit until the accident has been resolved. They spoke with my attorneys office in XXXX 2015 and as of XXXX 2015 it has now been put on my credit report dropping me down XXXX points. I have worked to hard to have the cruel people ruin this. I Have No DEBT Was NOT Even Informed About this bill Until Months after and I have No Clue If IT Was even put Through My health Insurance thats Carpenters union. I 'm beyond upset by this company 's actions. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I receive repeated calls daily from this company. I signed up for a debt consolidation service and they continued to call my personal phone and my place of employment. 
Causing a phone to ring repeatedly in the attempts to annoy or establish communication is against the law. I have asked for the calls to stop and sent a cease and desist and still the calls continue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation