vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a Debt Validation Notice dated XXXX/XXXX/2016 From XXXX XXXX XXXX for my loan with Wells Fargo Bank for property located on XXXX XXXX XXXX XXXX Ca XXXX. I disputed the debt validation in a letter dated XXXX XXXX, 2016 as result of Wells Fargo being in receipt of a check in the amount of {$4700.00} which they have held since XXXX 2016, a check which Wells Fargo Bank was directed to apply to the XXXX delinquent mortgage payments. 
To Date : Wells Fargo has not applied the monies to the account which I sent, moreover, they are not disclosing where the money is being held, yet they are moving forward with a foreclosure on the home, despite the fact the home is up for sale and it has been brought current within the last 6 months. 
I received a letter dated XXXX XXXX, 2016, from XXXX XXXX XXXX the attorneys for XXXX XXXX XXXX who informed that a Substitution of Trustee had been executed by Wells Fargo appointing them as the new Trustee, however, after a closer look at the document it fails to disclose who is being substituted out, there are additional flaws with regards to the authority of the substituted with this document. 
Please see the notices sent to me from Wells Fargo Bank regarding the delinquency of the mortgage loan, as I am on the Deed of Trust and the only one who has made been making the mortgage payments in for the last two years. My former Trustee was XXXX XXXX XXXX XXXX who 's entity number is XXXX who 's jurisdiction is in Texas : There is no mention of XXXX Default XXXX XXXX, in the Substitution of Trustee, however, Quality refers to XXXX XXXX XXXX XXXX as the entity who was the parent company ( XXXX ) who has surrender their corporate status. It appears to me that there are deliberate acts to confuse and to take the property which is in a predominately minority neighborhood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
XXXX ( also known as cashcall ) uses false proof of service. My old landlord informed me I had a legal document laying on the door step ( not in an envelope ). If he never told me of the document I would of had a judgement against me In California if the document is left on a doorstep it is supposed to be mailed as well. ( on occasion my landlord contacts me if I get any junk mail that shows up there- never got mailed letter from XXXX ). 

I went to court and asked about the proof of service. I was told it was left with " my daughter ''. The description of " my daughter '' is no where close. Plus She has not lived at that residence for over 10 months. This is a lie, false documention plus my old landlord said this was laying on the ground. 

Is n't this illegal tatic? I wonder how many other people have a judgement against them. 

If they wanted my correct address they could had gotten it off my credit report. I 'm sure they have skip tracers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 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:
On Wells Fargo 's online banking website, there use to be running totals for each transaction on the checking accounts, savings accounts, and on the platinum visa credit cards. Wells Fargo recently redesigned their online website, and now only have a running balance per transaction on their savings accounts, changed the checking to only daily running balances, and completely removed any running balance/total at all from the platinum credit card accounts. With no running totals for what is owed on the platnium credit card accounts, customers no longer have a way to check and balance their grand total. Wells Fargo can literally put any grand total as owed without customers being able to check if it 's accurate unless they go back to the beginning of time with their account and calculate each transaction by hand. Not only is that a huge issue for customers, but Wells Fargo 's online records do n't even go that far back. So customers are just supposed to trust that their total is correct. It seems very suspicious that Wells Fargo would due away with this feature, especially in light of all of the fraudulent activity going on with Wells Fargo in the news. I would think it 's illegal to due away with that feature and give customers no way of checking their grand total owed on their credit card? I feel it really needs to be looked into and investigated. A Bank should not be allowed to remove data like that and expect customers to just trust their grand total owed without any way of confirming it 's accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Wells Fargo Complaint For the second time in XXXX years I 've had to file a complaint against this company. In XX/XX/XXXX I contacted them about a HARP. But, it took until XX/XX/XXXX to respond. After I filed a complaint. 
Recently, I had to defend my home from Foreclosure sale after I found out XXXX day before the sale date from a complete stranger who came to my door. I never received official notice from Wells Fargo of a date of sake vid so, I could have cone up with a plan in advance. 
I spoke with several representatives who could not explain why I did not get official notice. Nor could they explain why I did not receive a XXXX payout back On XX/XX/XXXX as I requested over the phone with a XXXX. 
When the payout was received it was post marked XX/XX/XXXX with the letter dated XXXX XXXX. The problem is that the letter only gave me until XX/XX/XXXX to pay off the loan, less than 30 days from XX/XX/XXXX and less than XXXX weeks after I received the letter if Payout. 
I previously requested information back in XX/XX/XXXX, but never received it until after talking with the XXXX in XXXX who could n't find my emails That I sent on their XXXX. As with the HARP request, they acted if they could n't find the emails. The XXXX even asked me to send him the emails. 
Finally, I was in schlock to find out from a stranger the day before that my home was to be sold the next day ( XX/XX/XXXX ). I never received a Notice of sale date. Not XXXX if the customer service reps could even tell me why not. A XXXX XXXX even told me they 're not required to sendbmevnotice, and that the XXXX of Texas had that responsibility. 
The company has been notified that I 'm am XXXX and have filed for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have XXXX overdraft fees from Wells Fargo. I am a XXXX XXXX and have been taken advantage of because of my age. I used a Pay Pal card to make XXXX purchases. I didnt realize that the XXXX card did not have sufficient funds so it was debited directly from my Wells Fargo account. XXXX transactions which incurred overdraft fees. I have never requested or felt the need to request an overturn or courtesy reversal of fees but i have no choice. I called and XXXX representatives and a manger who i requested to speak to claimed that Wells Fargo does not have any courtesy refunds for customers. I am XXXX man with little income and have been a good customer to Wells Fargo. This is an outrage! I went inot the banking center and they claimed that the banking center did not have a manager and no none could help me. Are they serious?? Please i ask that you the CFPB look into this and help me out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
For almost a year now, Wells Fargo has been reordering my bank charges in order to maximize overdraft fees. In other words, they change the dates on my charges so that they can either charge me overdraft fees, or if I already have an overdraft charge, they will change the dates on my purchases in order to charge me multiple overdraft fees. They will also purposely withhold transactions so that my balance looks higher than it really is. Then, when my balance gets low enough they will process all of the transactions that they withheld causing me multiple overdraft fees. Here 's an example : On XXXX/XXXX/16 I checked my checking balance and it was roughly {$140.00}, so I went and bought a few grocery items that I needed. Now, fast forward to XXXX/XXXX/16. I woke up and saw that my account was overdrawn and there was a new charge on there from XXXX that was n't on there before. It was my cell phone bill that I have on reoccuring auto pay ... .which I admitedly forgot about. However, this charge did not reflext on my balance on my balance until XXXX. There were also XXXX new overdraft charges for the charges I made on XXXX. I called my cell phone privider and talked to a few different people ( including 2 CS Suoervisors ) to see why the charge took 5 days to process and they told me it was my bank who withheld it for 5 days. So basically, Wells Fargo withheld this charge for 5 days and then processed it on XXXX and tyen changed the process date on the charge to XXXX and then retro charged me {$140.00} in overdraft fees. This has happened numerous times over the last 7-8 months and has cost me XXXX ( if not XXXX ) of dollars. It is fraud and I am tired of them taking advantage of 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 2016-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
After I wrote to the CFPB, I heard from Wells Fargo Representative a XXXX XXXX. I do not recall her last name at this point. She was not very pleasant and insisted that this is the first time Wells Fargo has ever done anything like this as far as ceasing the foreclosure on a home so late in the process. She also explain the foreclosure not has been called off and there is no foreclosure date at this point. 
I have submitted all paperwork for a short-sale to my realtor XXXX XXXX of XXXX XXXX. They have since submitted as of Friday XXXX XXXX, 2016 to Wells Fargo Home Mortgage. XXXX XXXX has a buyer for my home which that person qualifies and have submitted that paperwork as well. All the hard work or leg work has been done. My fear is that Wells Fargo will turn down the short-sale like they have done previously before, CFPB became involved at which I qualified for. 
They did not hear any request even when I told them I had a buyer. Wells Fargo Home Mortgage just ignored my request. They set a foreclosure date until CFPB became involved. Now the foreclosure date is removed. 
I am disable and a veteran. I have no income to relocate. I am still awaiting on the Appeals from both my VA and Social Security XXXX. This short-sale and the relocation monies, it will greatly improving my chances of not being homeless, restore my credit, and XXXX day buy another home. If not given this opportunity my credit will be in shambles and very hard for me to start over. 
As I have stated above, it was unlikely for Wells Fargo to hear anything I said and they did not want to help me but pretended they would help. I am a first time homeowner, and I know nothing about buying a house or the litigations of what banks can do to homeowners or the power they have of not helping the homeowners, but pretend they are helping by sending letters saying they are here to help ; but when you call them they become very evasive and speak in terms that no ordinary person would understand, only a person who has a XXXX XXXX could comprehend. I feel helpless and fearful that I will be homeless very soon. Please 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 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. 
I feel not addressing my loan concerns is also a form of discrimintation why? 
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? 
Are their any Corp Advances fees on this account if yes please list amount and dates? 
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?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services
State: TX

Complaint narrative:
I received a call from Integrated Recovery Services about a pay day loan that they were trying to collect on. XXXX XXXX and XXXX XXXX both called me on my work phone and told me that if I did not pay I would be arrested this Friday, and this would be a felony. I tried to make a payment arrangement but they started to make fun of me and continued to say I would be arrested. I am filing a complaint and and willl also be contacting the Texas Attorney General in reference to this matter since it is a violation of State and Federal law. I am also requesting that this company no longer contact me because of their deceptive trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank charged me {$75.00} annually and {$400.00} to cancel the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I do n't remember how it started other than a young fella wanted me to put " extra [ rptect extra protection '' on my account. I agreed. I always followed by account online. I used by checks and debit normally. I had automatic deposit. Just after my check was deposited I would get a letter stating I had about {$150.00} in ov overdraft charges. I should not have been overdrawn. This went on for about three pay periods and then I went in and spoke to the manager. But before forward, when I checked my account online it was " fuzzy ''. It shimmered a and it made no sense. It was very confusing and there was no way anyone could track spending. So I talk to the manager and in conclusion I was told I didn did n't know how to use a checking account. ( I am currently XXXX ). Of course, I was was insulted. This went on a few more weeks, six to be exact, as I tried to get away from them. This entire 6 weeks, Wells Fargo was taking all my money. I literally had no money to spend on food and gas or anything else. I fin finally got paperwork completed at a new bank. But I had to give {$450.00} more to to wells Fargo before they would close my account. so for about 4 pay periods I had the overdrafts and then they switched to just taking my entire pay check for three pay periods but then I had to close my account with a balloon payment of {$450.00}. I do n't remember what my years were that I was was there. I also do n't remember what my pay checks were either. If one could find me in their data base. We could then verify income with my tax return. I figure they owe me about {$2400.00}

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 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
My lender, Wells Fargo, continues to increase the required amount of flood insurance. Under the FDPA, the minimum required is the lesser of the loan amount, the insurable value or {$250000.00}. While I fully understand the lender has the option to require more coverage, in this case, they are causing undo hardship by continually increasing the required amount of coverage and therefore the premiums. This is causing customer harm and even though my agent has discussed this with Wells Fargo at great length in the past, they refuse to review and continue to provide the standard " we are protecting you '' answer. I understand the necessity of flood insurance but my loan balance is well below the amount of insurance I carry on the home. This is my choice as an informed consumer. It should also hold true with the amount of flood coverage I choose to obtain as long as it meets regulatory requirements. 

I know this will be future to submit a complaint as I 'm sure I will get the " lenders can determine the minimum amount ''. Yes, I work in the mortgage industry but I fell Wells Fargo is being unfair and causing undo hardship by this requirement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Despite having an agreement with Wells Fargo made two months ago to pay a credit line ( debt ) at Wells Fargo with $ 300 monthly payments for six months ( at which time we will see if I can pay more ) or continue the {$300.00} a month, I am receiving harassing collection phone calls from XXXX every other day. 

I have paid {$300.00} on the agreement for two months now. This agreement was made with XXXX XXXX at Wells Fargo ( Loan Adjustment Supervisor ) but Wells Fargo ( XXXX from collections who reports to XXXX XXXX ) are harassing me now seeking payment in full despite our agreement. I have explained over and over again my financial situation ( offered documentation proving my inability to pay the debt off at once as I 'm a new XXXX in XXXX mother of XXXX kids under XXXX yo ). I just received another call from XXXX XXXX XXXX on XXXX XXXX ) at Wells Fargo and she transferred me to her Supervisor XXXX XXXX who told me that he was going to sue me for the balance of debt despite our agreement. He told me that he does n't care and wants it paid off. When I asked him why he was even calling me, he told me to, " Lose the attitude, XXXX! '' and then I reiterated our agreement, my financial situation, etc., he told me, " Then I will take my boss ' recommendation and sue you! '' and then he HUNG UP THE PHONE on me. This supervisor at Wells Fargo hung up the phone in the middle of me trying to respond to hearing I am going to be sued by Wells Fargo. I was left with XXXX fearing I will be sued by Wells Fargo. What will this mean for my family? My XXXX in XXXX? I began having XXXX. I am a high risk XXXX already and being harassed with phone calls ( first by XXXX who would call me and say that XXXX told her to follow up regarding our " agreement '' and I asked XXXX what she was referring to - since I 've been paying on said agreement for two months now - and she did n't know??? but was calling me anyways? ) This is an opportunity for legislation to be brought forth regarding behaviors such as Wells Fargo harassing a client who is currently paying their debt, who is not being evasive and ignoring their repeated phone calls, and is told to pay up or else?

Company response to consumer: Closed with explanation