vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
I 've been trying to complete home modification since 2011. I have never been told trial payments were to begin by Mortgage XXXX XXXX with Bayview loans, previously XXXX, and XXXX. The amount past due XXXX, Now new XXXX is XXXX, which was original amount of Loan. Please inquire of accounting, why no reduction in payment since I 'm XXXX % lower on my income. How they keep filing BKR each 6mos decreasing my credit score and foreclosure completed. I 'm always some paper XXXX not includet, when I well aware yrs what I need. I need to keep my home. Is there any financial assitance. Can I have referred to OFHA. I Really appreciate assistance and need to see if this can go

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: TX

Complaint narrative:
I mailed them requesting validation they ignored me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
Inaccurate information is being reported to XXXX and XXXX. My account was paid in full on XXXX/XXXX/2016. However, XXXX is reporting as of XXXX/XXXX/2016 my account Closed with a {$970.00} balance. XXXX is showing my account Open with a {$970.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
A Western Union money transfer was blocked to recepient. Dollar amount of XXXX has not been credited to senders account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I obtained a XXXX Mortgage as well as a XXXX mortgage on my home XX/XX/XXXX with Wells Fargo Bank. I lost my job of 27 years, at the age of XXXX, XX/XX/XXXX, and after 2 years, spending all of my life savings of {$150000.00}, still unable to find work, I was forced to file for bankruptcy protection in XX/XX/XXXX. In that filing, IT IS A MATTER OF RECORD THAT I REAFFIRMED both mortgages with Wells Fargo. The industry being in the mess that is was, I never received confirmation letters confirming my reaffirmation on both loans, no matter the number of attempts made. In the entire life of each of these loans, before, during, and after the bankruptcy filing, and continuing to this day, I HAVE NEVER MISSED A SINGLE MORTGAGE PAYMENT NOR HAVE I EVER MADE A SINGLE LATE PAYMENT ON EITHER WELLS FARGO LOAN in almost 10 years of paying the XXXX and XXXX mortgage. Yet, all three credit reporting agencies report that the mortgages were included in the bankruptcy filing rather than reaffirmed. I have contacted Wells Fargo repeatedly, filed credit complaints, provided the history, and Wells Fargo 's answer is that, notwithstanding the fact that I can prove both were reaffirmed, since they never confirmed that fact, they will not correct the record. 
I have suffered substantial and continuing harm from Wells Fargo 's egregious refusal to correct the record, such that my credit scores are as low as in the XXXX 's notwithstanding a perfect payment history with that bank and all others, with the exception of the bankrupted debts which did not include Wells Fargo Home Mortgage. 
Please tell me what can be done to correct this injustice. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo to cancel my PMI since my loan-to-value ratio was below 80 %. I purchased my home for {$280000.00} in 2014 with an original appraisal of {$320000.00}. I currenlty owe {$250000.00}. I was advised I could not cancel my PMI until my ratio reached 75 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XXXX XXXX 2016 I went to the bank and requested a wire transfer to a company in XXXX ( ( {$5900.00} ). I filled out the wire transfer services instructions. See wells fargo reference number XXXX. I was asked to put the XXXX number and XXXX number of the recipient bank, XXXX in XXXX. I wrote the correct XXXX number, but got confused and did not put the payee 's correct IBAN number. The Wells Fargo staff also did not realize the incorrectness of the XXXX number ( the number I put has too few digits to be a valid IBAN number ). I left the bank but twenty minutes later I realized that I has put the wrong number in the XXXX field. I called the bank -- both the branch and the Wells Fargo wire department. Both told me that it was too late " the wire had gone ''. I asked if I could follow with a correction. They said that Wells Fargo had to wait for the money to be returned by XXXX which should, according to WF, take 3-5 business days. I asked if I could do a recall. WF said that would take 30 days. So I waited a week and no money was returned. I asked WF to run a trace and a correction. A week later now still no word at all and no money. This is unjust. Surely Wells Fargo can contact XXXX and figure out where the money is. I am clearly getting the run-around where nobody wants to take the time or responsibility. I recognize the error that I made in initially giving the wrong XXXX number, but I feel that WF can rectify the situation after two weeks if it wants to expend a little effort. Or did I just lose {$6000.00} because I inserted the wrong number? 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
my mortgage company has a different deed description for my land parcels than i have on my tax bills. I believe the town tax administrative clerk is sending false information to my bank to allow for manipulation of ownership.

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 2015-07-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I have had nothing but problems with Security Finance. My main concern is that they would not accept payments from me in order to make sure I got late fees. Even after the loan was payed off I still had to pay late fees. I was treated very rudely screamed at, cussed out and I think this company needs to be investigated for unethical business practices. In my last conversation with the office the manager threated to place fees on my credit even though I had paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo will not allow me to refinance due to a bankruptcy six years ago. They were not involved or mentioned in that process. I am a XXXX and could use your 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 2016-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Our company, XXXX XXXX XXXX XXXX has had an account with Wells Fargo beginning with Wachovia. We have never had any issue with this bank, never even a bounced check. On XXXX XXXX, 2016 we were notified by a customer that a block had been placed on our account. When I called I was told by XXXX different Wells Fargo employees that our account had been closed on XXXX XXXX, 2016 by loss prevention and that we would be receiving a letter and our balance monies within 10 business days. Well today I got the letter and it indicates that my account has been blocked since XXXX XXXX but that it will not be closed until XXXX XXXX and that I will not receive the balance in my account until some time after that date. 
It is unconscionable that Wells Fargo can unilaterally close out our account with no notice, no reason and then hold our money XXXX for nearly a month. Last week my employees were not paid, taxes not sent to the government as a result of lack of information from Wells Fargo. Now, I am in a similar position this week as my cash flow has been greatly diminished because Wells Fargo is holding my money hostage. 
Our company has been in business for over 40 years. We have never been accused of running anything but the most upstanding business. I understand that Wells Fargo does not have to bank with my company if they choose not to but they should not be allowed to conduct business in this manner. A courtesy call would have been nice. Even without that, correct information from Wells employees would have been nice as well. Now they are holding my money hostage. We need it for cash flow but have been told that will not be happening. 
Big banks should not have the ability to unilaterally shut down an account with out any forewarning to the small business customer. they should also not be allowed to hold money hostage for over three weeks. If they want the account closed, fine but give me my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to obtain a mortgage modification from Wells Fargo Bank since 2014 each time I have been denied. I have had XXXX loan processors and each one has denied me a modification. I have gone through Keep Your Home California and have been approved for programs such as mortgage principal reduction, mortgage reinstatement and Wells Fargo has continually denied Keep Your Home California from helping me. 

I have called Wells Fargo and told them of my difficulty in making my mortgage payments and Wells Fargo tells me that they have done the best for me that can be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I filed bankruptcy last year, and my home mortgage was discharged. I agreed to a loan modification through Wells Fargo. I have been making my payments on time, for about a year. I do receive loan statements, and the payments are being credited to my loan. Wells Fargo, states, they do not report payments, due to bankruptcy. I view this as unjust, due to, they are receiving money for this mortgage. I am not in foreclosure, and due plan to stay at the residence. I have n't received my payment history from Wells Fargo yet, or else I would be attaching. Before I filed bankruptcy, my ex husband did, while we were divorced in XXXX. I was on the loan, as well. Wells Fargo claimed me as part of the bankruptcy, and did not report my payments. I had not filed bankruptcy until XXXX. I contacted Wells Fargo, and all they did is give me the run around. My lawyer was supposed to reaffirm my debt, but all I got from their office was a run around. I basically got screwed on all accounts. I just want to rebuild my credit, and notify Wells Fargo, that the money I pay into their company, reflects on my credit report. I 'm paying them the mortgage, they are receiving my money. This is not right. Important information, my name is shown as XXXX XXXX on loan. Married name.

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 2016-09-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
When I purchased this home I asked and was told that it did not have Termites and that it had passed termite inspection. I later found out that it had termites and the mortgage company included an old termite inspection document in the paper work and did not have one conducted for my benefit before I purchased this house. It has termites and it has them really bad!

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 2016-08-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I set up recurring automatic payments for a credit card and line of credit account with Wells Fargo Bank, but their system did not register this and two months later, I received a call my account was in collections for failure to pay. On the same day I set up the recurring payments with this bank, I set up recurring payments with XXXX other banks I have accounts with, and those have processed successfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX My wife and I with our XXXX very young kids sold our home in XXXX and repurchased a new home in FL, unknowing to us at the time we were given a subprime loan by someone we trusted/realtor we trusted. I was a XXXX in the city of XXXX and wife worked as a XXXX helping sick and elderly people and we both made a decent salary to support ourselves and our kids. At the time we were n't to savvy on how a subprime loan work believing it was the same type of loan as our previous loan with our first home, only later to find out there were investors included this loan for the XXXX home by that time it was too late however we remain persistent and try to make our payments which was astronomical and begin to cause hardship for us, things got so stressful my wife and kids begin to hate the fact that we moved to this new home, she was later diagnosed with a XXXX and had to have it surgically XXXX and as for myself i was suffering from injuries I sustained during the XXXX while working as a XXXX, after her XXXX she decided to move back to XXXX and my kids would later follow her and despised the fact that we had relocated to FL in the first place, meanwhile I was diagnosed with a XXXX which followed by XXXX along with XXXX, XXXX, XXXX, XXXX XXXX XXXX, plus XXXX XXXX. I do n't know how i am able to survive but I am still here by the grace of XXXX. I applied for XXXX from what I understand there is a backlog which mean I have to wait until they get to me. Meanwhile, I am unable work, even if I was able to work I would not be able to find work, as a former XXXX there are no XXXX jobs available. The savings that I have is starting to deplete, I like my home I do n't want to lose it but it seems I am heading in that direction if can not my payments, the mortgage company is starting to call because they believe I will not be able to make my payments time is running out it appears I may have to sell my home in the next month or two and the selling price is very much lower from the time I purchased it in 2006 because of that ridiculous subprime loan that was given to us, when in actuality my wife and I were working professionals helping to protect the public, providing XXXX to the sick and elderly and this is how we got treated in return.

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 2016-04-21 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Windham Professionals, Inc.
State: KS

Complaint narrative:
I 'm XXXX at a state university. I have been contacted in my office by Windham Professionals, presumably regarding the student loans I am behind on. They were very rude first to my office mate then to me. They would first have had to contact the XXXX department 's main office as I do n't give out my office number. I am only in my office a few hours during the week which means they would have to have spoken to someone to determine when I am in. Moreover, I share my office with XXXX other people so this is humiliating and a form of harassment for them as well. This is humiliating and completely inappropriate contact and I consider this to be harassment. I want it to stop immediately or I will consider legal action.

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 2015-10-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX to XXXX phone calls a day XXXX days a week

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Financial services company, has opened a credit card account in my name without my permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Bank is blocking me from my online account. The Wells Fargo XXXX website has many complaints of this type. I have tried to log onto my account on several different devices and ISP 's and I 'm still blocked. I have spoke to their Tech department and I am getting the run-around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2005 I entered into a Smart Fit refinance loan with Wells Fargo Bank. Under the agreement I was to pay just the interest on the principle. At the end of the XXXX years they automatically rolled it into a XXXX year fixed mortgage at a 6.05 % interest rate. They have no record of contacting me about the change. As if this were not bad enough they want {$660.00} per month for XXXX years on a {$55000.00} principle amount. All calculations I find at this interest rate on the principle come to only an average of {$440.00} per month. My online account does not show the conversion to a XXXX year mortgage nor does it breakdown any detail of what is included in the payment. Only referring to them as fees and charges. All correspondence with Wells Fargo has gone no where.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened XXXX accounts at Wells Fargo, and deposited {$11000.00} and {$50.00}. 
WF later closed my account and the account balance shows {$0.00}. The transaction history shows it was closed due to XXXX. However, no WF employee told me when I opened my account that I needed to provide any information - or I would have submitted it the same day. 
I called the customer service number and they said they ca n't help me and go to a branch. I went to a branch and they said they could n't help me and would call back. They never did. I called WF again on the phone and they told me to go to a branch. It has been over 5 weeks, and I still can not find my {$12000.00} and can not access the funds. One person said it should have been mailed out, but did not know if it actually had, and could provide no information. 
I am still out {$12000.00} with no answers.

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 2015-07-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am requesting the date of last payment on a credit card and line of credit from Wells fargo. I have asked for this information via credit reporting agencies and through Wells Fargo directly to no avail since XX/XX/XXXX. I understand that these debts have been sold to XXXX XXXX. XXXX XXXX continues to re-age the accounts. I received a letter from Wells Fargo on XX/XX/XXXX The letter is ambiguously written to avoid answering the DATE OF LAST PAYMENT or THE DATE OF FIRST DELINQUENCY. Their correspondence only states the date the account was closed. This is not the information I need. I need documentation showing the last payment ( i.e. cancelled check ) to prove the date of last payment or date of first delinquency. I need this to understand when the XXXX year statute of limitations begins for reporting the debt. Wells Fargo 's response was ambiguously written to avoid answering the questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation