vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was banking with wellsfargo for years. I would withdraw money from my account because I thought I had money there and if I did n't they were still giving me the money and charging me outrageous fee 's. I had online banking but i did n't always check the account because i have been XXXX in and out of the hospital.

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 2016-12-14 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
3 years ago I was placed in charged of my Grandfathers bank accounts. He passed away a year later and everything was placed into my name from Wells Fargo. They had his assets divided into XXXX accounts and told me it was best if I did the same and only withdrew from XXXX. I noticed that everytime I with drew ( even though I made it clear I wanted a cap on what could be pulled! ) they would charge me. They opened a credit card in my name that appeared in my account suddenly and began overdrafting me from that account. Even though I clearly had enough money in all my other accounts. When I asked why they stated it would help me build credit since I am a student, but i declined! 3 times ALL my account numbers have changed now. I do n't know about banking and admit I listened to their advice! They charge me sometimes from multiple accounts several days in a row for overdrafts that I asked to pull from an account that is positive. I only own XXXX card but have things pulling from XXXX accounts, plus I was told to stay in this XXXX Savings account but do n't know why and this high yield savings account also, but do n't know why! Plus I can not understand why they unatttached my regular bank account as my back up over draft account and made it into a credit card!! I am confused. 2 weeks ago a new card appeared and I am almost out of money!! I never asked for any cards and HAD plenty of money to cover myself before I ASKED Wells Fargo to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I sold my house in a short sale and the mortgage company did not provide me with the relocation incentive. At first they said it was taken to pay off liens on the property but one of the liens was not paid because a release was issued on the lien. After I informed them about this they no longer have any excuses and are not offering any.

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 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
This borrower was offered and accepted a trial modification with payments of {$530.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016. Borrower made her trial payments and has continued to pay but has not yet received her permanent modification documents. XX/XX/XXXX she was told by a representative that the documents would arrive in 7-10 business days. She has not received them, but has continued to pay.

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 2015-05-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I purchased a memory foam bed through XXXX XXXX on XX/XX/XXXX because they offer no interest financing for 2 years ( or even longer, but we opted for 2 years ). Not surprisingly, this offer is still listed on their website, here : XXXXHowever, this offer is serviced by Wells Fargo and they are refusing to honor the terms of this agreement. Wells Fargo started charging me interest on roughly half of the remaining balance starting in XX/XX/XXXX ( which is 14 months after the purchase ). When I called Wells Fargo customer service, the rude representative told me that " I signed '' an agreement saying that the no interest period was 12 months. That is n't mentioned in the agreement I signed. According to my records I did not sign any such thing. Unless they can furnish the document, then it did n't happen. Also, if the representatives story was actually true, why would interest charges only apply to a fraction of the remaining balance and not the full balance? Also why would it start to happen 14 months later instead of 12? I have n't used the credit to buy anything besides my bed and pillows. Somewhere a mistake has been made. Wells Fargo should not charge interest until XXXX XXXX as per their agreement! Which they are not honoring. So far I have accumulated {$330.00} of erroneous interest charges according to the statement on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I have a personal loan with Security Finance in XXXX, TX. During my last renewal of the loan I asked XXXX, the representative who helped me with my renewal to place a note on my loan stating that they not call my phone during working hours ( XXXX - XXXX ) because that is my work phone and I can not take personal calls during the day. That did not stop their calls!! I have been a customer of Security Finance off and on for many years. I have always paid my loan payments. In the first week of XX/XX/2016 I notified the XXXX of the branch, XXXX, that I would not be able to make my payment until XX/XX/XXXX due to a job change and waiting on my State license for Mortgage Loan origination to be approved. The very next day I received a notice that Security Finance had made an inquiry on my credit report. I contacted the XXXX and she told me she was checking my credit to try and determine what was going on. I explained to her that she did not have a reasonable cause to pull my credit and that I was concerned that the inquiry would effect my pending license approval with the state. She told me she could pull my credit whenever she wanted. On XX/XX/XXXX spoke to XXXX XXXX XXXX XXXX XXXX XXXX and complained about the credit inquiry. She agreed that my credit should not have been pulled and would get the inquiry removed. I sent XXXX a message in writing that I should not be called before XXXX because the office was calling me at least 2 times a day on my work phone even though I had asked them not to. I asked her to please stop them from calling me during the day. Since that time XXXX, who works at the XXXX office has called me XXXX times during my working hours on my work phone. Some days I was called twice during XXXX day. She has even called my references even though they asked her not to call them. I called and left XXXX ( XXXX XXXX ) a message telling her about the calls and again asked her to tell the XXXX office to stop calling me. I intend to follow up this complaint with a lawsuit. This company has clearly violated the Fair Credit Debt Collections law. If needed I will gladly provide phone records and etc ... documenting phone calls and messages.

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 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I co-signed for my mother on an equity line with Wells Fargo. The total balance/payment came due {$23000.00}. The debt free family farm was up as collateral, so there was no other lien holder. I lost my job and used {$19000.00} of my severance in agreed settlement with Wells Fargo to payout the debt. The Wells Fargo bank representative suggested that I not continue the monthly payments, hence I was delinquent 30, 60 and 90 days while it was negotiated. My credit report states language from Wells Fargo like " customer settled for less than balance, account paid and closed. I have been denied refi by Mortgage companies and denied home equity lines and the reason given is " Short Sale ''. There was no " sale '' short or otherwise. We still own the farm. I sent tax statements and such to prove that we own the farm to this day. 
I am not sure how the mortgage underwriters are construing the situation as a " short sale ''. I have written the credit agencies to request that language be added, " this was not a short sale ''. The language was added " customer disputes ''. Disputes what? I dispute this was not a short sale. I have also written to Wells Fargo XXXX times and they have sent me the same form letter XXXX times with the same signature. Why does this interpretation happen? How is it determined? The words " Short Sale '' never appear in the credit agency reports?? I have a credit score around XXXX. I have about {$420000.00} in equity in my home. XXXX changed the regs in 2014 to call for a four year ineligibility for a mortgage for an equity line. Please help, do n't understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: NV

Complaint narrative:
they have been calling three to five times a day. calling my family members. coming to my home after hours. dropping off information about loan to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I opened a business bank account and later I decided to open a merchant account. I was n't informed that the bank decided to open a merchant services account. 
this included a 36 month credit card machine lease, # 2 included gift cards and credit card machine. I DID not ask for merchant services. I even got my business name changed and also my name was changed five ( 5 ) times. Two people were on a business billing statement. They even sold my fruadulant accounts off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had to resubmit my mortgage loan modification paperwork. 
I was approved for the modification and received the trialagreement on XXXX/XXXX/2015 and was notified my XXXX paymentwas due on XXXX/XXXX/2015. I called and asked why the shortnotice and was told if I ca n't make the payment by theXXXX then they will note I will not move forward with theplan. The agent 's supervisor then proceeded to tell me when the last timeI made a payment and that I need to make the payment onthe XXXX. I had to escalate the matter for someone to requesta later start date. Although, it may not be approved, it waswithin my rights to request XXXX since it was less than30 days notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re : Loan # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
For over 3 years Wells Fargo and its employees have denied our request for Loan Modification for a Bait and Switch Loan Modification provided to us on or about XXXX 2009 by underwrite XXXX XXXX. 
See attached word Doc Complaint:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo opened several accounts without our permission by using funds in our business account. Because of this practice, I was overdrawn on my actual account. They rectified the situation but it still haunts me when applying for business loans because of the NSF fees that appear on my statements. When I explained to the lenders, they did not believe me because they thought what I was telling them was illegal and could never happen. It happened 3 times in the past 4 years. and it was done by the same person.

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 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Mothers mortgage went into default due to hardship. I contacted Wells Fargo requesting the steps to assume or modify the loan and explained my intent was to keep the home. I spoke with numerous people at Wells Fargo. I was informed that we can apply for a modification and or other alternatives in order to keep the home. They assigned a Home Preservation Specialist by the name of XXXX XXXX. She started the process and then stated that because the mortgage is on my mothers name it could only be done with her. She stated so it ca n't be done. Several calls back in forth no success. I contacted Capital Law Center XX/XX/XXXX they received initial payment via invoice even up to XX/XX/XXXX, and seemed as if they were getting the process rolling as I thought, until I find out I was scammed, with no return calls or notices. Next day of XX/XX/XXXX, received an advertisement on foreclosure, concerned I searched the internet and found out that the house will be auctioned on XX/XX/XXXX. I wanted to assume mortgage under my right according to The federal Garn-St Act of XX/XX/XXXX. The Act prohibits enforcement of a due on sale clause in certain transactions such as : a transfer from parent to child. They failed by not allowing me to assist in keeping the home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My home loan was modified back in XXXX 2014 under the Making Home Affordable Plan. My lender, Wells Fargo, is now denying assistance due to the already obtained modification assistance last year. I suffered from an income reduction and increased monthly expenses due to the co-mortgagor leaving the household thus reducing my household income by 50 %. I am now 5 months behind and they refused to review my request for assistance through other programs available for help. Please help me save my home!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My urgent matter involves foreclosure I 'm a young XXXX XXXX in the process of trying to get a XXXX and save my home at the same time but it has become overwhelming. After being XXXX retired the military terminated my BAH ( Basic Housing Allowance ) and since then it 's been hard for me and my family. On or about XX/XX/XXXX I was almost 3 months behind on my mortgage and I tried to pay for two months of payments and they refused to take the payments and they then stated they could n't help me until I was three months behind. My lawyers have submitted documents to request a loan modification but within a 2 month period they state that I make too much or not enough. I now have a sale date of XX/XX/XXXX. So its clear they have no intention to honor a loan modification. I received a loan modification on or about XX/XX/XXXX but it was still a financial burden. I excepted the terms because they stated If I did n't it they would terminate the loan modification and I would have to start all over again. As a XXXX XXXX veteran I 'm not suppose to pay property tax but they still charge me. In addition, we had a certified forensic loan audit which depicted fraud on the loan. Our XXXX report revealed our note was split-apart or fractionalized, as separate accounting entries and deposited ach Class is insured up to 30 times the face value of each Note therein, which is permissible under the Federal Reserve System. I have no problem providing forensic audits and securitization reports. I want justice and my home. Freedom is n't free!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I contacted Trans Union to dispute information on my Trans Union credit file regarding a XXXX private student loan because of numerous credit reporting errors including misrepresentation the data furnisher is providing Trans Union. I spoke with XXXX at Trans Union ( United States ) on XXXX XXXX. The conversation lasted 50 minutes, and specifically detailed the innaccurate account reporting, description, and status of both XXXX private student loans. 
1 ) .The accounts both report date of first deliquency beginning XXXX and XXXX. The report indicates otherwise as fdate of deliquency XXXX and XXXX. 
2 ) Credit report dated XXXX relfected erroneous account information again. Reported as " Charge-off ''. XXXX XXXX called XXXX customer serivice the same day to verify the account status and XXXX XXXX XXXX verified " not charged off ''. ( See attatched doc # XXXX ) 3 ). The accounts are 18 years old and the payment data history is inaccurate, payment history is over ten years, data furnisher removed all previous payment data ( historical data incorrect ). 
4 ) The account responsibility is incorrect. 
5 ) The account number is not listed. What is listed is my social security number. Education loans are no longer permitted to use social security numbers as account numbers. This is a compliance issue the CFPB and FTC should investigate the use of social security numbers as account numbers on ( educational loans and credit reports ) as it can create a security and privacy issue. 
==================================================================== Violations of Fair Credit Reporting and Truth In lending 12.CFR 10 22.40-43 Furnishers Rule Regulation V Subpart E. ( Request for CFPB Administrative Proceeding ) Trans Union ( CRA ) does not fully comply with furnishers rule and often neglects to use XXXX format during the reporting and investigation process resulting in systematic inaccuracy. The data furnisher continues to supply false and erroneous account information to the credit bureau including payment history, account status, responsibility, and other false or inaccurate information leading to logical inconsistancy. Trans Union does not maintain reasonable procedures in cases of disputed accuracy and willfully ignores disputes, resulting in no correction. Information must be one hundred percent accurate or must be deleted. XXXX XXXX has disputed the account previously under fair credit billing which the data furnisher and CRA has not met FCBA or FCRA rules, in addition data furnisher, or assignee violates other lstate or federal laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
The banking system of the USA has failed us all. 
1 ) I use my Wells Fargo VISA card to purchase a new computer from XXXX. The funds ( {$1800.00} ) are taken from my account the same day ( XXXX/XXXX/16 ) along with another amount for a computer speaker system. I receive the speakers a few days later and the computer itself another few days later via XXXX. My funds are tied up in the system for approx. 5 days. The computer 's power supply fails a few days after receiving it. I return it to a XXXX XXXX store on Sunday XXXX XXXX 2016, they ( allegedly ) order a replacement advising me to pick it up on Saturday XX/XX/XXXX. it is not there on the date promised so I return on XX/XX/2016only to learn that the replacement was never ordered. I demand a refund and only after escalation do I receive a piece of paper claiming to be a credit issued to the Wells Fargo Visa card I used to purchase it. I have at this point not had access to my $ $ for 18 days and have no product. 
2 ) XXXX/XXXX/16 the alleged refund is not in my Wells Fargo account and after repeated requests for assistance ( my wife and I are both XXXX on a fixed income ) Wells Fargo refuses to honor a fraud claim against XXXX XXXX and continue to refuse to immediately credit my account in full per the card holder agreement, instead deciding to earn $ $ on my pending $ $ by not crediting my account. THIS IS LEGALIZED THEFT BY THE BANKING SYSTEM! 
3 ) Assuming that the alleged refund gets credited to my account tomorrow morning, which I do not believe will occur, I have been without $ $ $ in my Savings account for 19 days when it could have been earning me the pittance of interest that the system pays depositors. No one ... NO ONE ... is willing to satisfy a longtime customer. It should be a no brainer, honor the cardholder agreement and immediately credit my account pending the refund from the vendor. It is apparent that no one monitors Wells Fargo at the Federal Level. If I am WRONG then PROVE it to me by penalizing Wells Fargo for their indifference to a true need. The only reason the computer was purchased is because a similar unit was STOLEN from me on XXXX/XXXX/16 as part of a home burglary, where I have the perpetrator ON VIDEO and the POLICE ( who were given the video and name of the perpetrator ) will not make the effort to arrest him and his accomplices. If they wo n't do this, AND IF your organization ca n't help the common man then I HAVE TO ASK " What good ARE 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