vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I Lost My Wallet XXXX XXXX, and On XXXX XXXX Someone Deposited a {$5000.00} Dollar Check in My Account Taking The {$5000.00} and My Money along With It Out Of My Checking {$800.00} and XXXX From My Saving and Payroll Check {$210.00} and I Called to Let Them Know! Done Everything Thing They asked Me To Do And Still Have n't Gotten My Funds Back! I Reported It All! I Really Thought My Funds Was Secured Have Been Banking With Navy Federal For Years! Just Moved To Texas Where There is No Navy Federal and Something Just Do n't Seem Right About This! Thank U

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Can my reverse mortgage lender refuse to continue/renew my current property tax loan? 

Hi, My lender, Wells Fargo, is telling me that they can not continue/renew my current loan that they had advanced for property taxes that were due. They have informed me that, unless I repay the full balance, they will begin foreclosure proceedings on my home now. I am told that HUD XX/XX/2015 issued new rules to lenders affecting reverse mortgage loans. Specifically, in my case, I now no longer meet the " XXXX '' requirement ; I am told that I am at XXXX %. 

I am XXXX years old and do n't want to lose my home. My husband XXXX last year, he was XXXX and had XXXX XXXX. We have never been late on any payments to Wells Fargo, and I can comfortably meet all my expenses, including the payment that I make to Wells Fargo for back property taxes each month. 

This change of rules came as a total surprise. I hate to say this, but I feel that I have been misled, unwittingly perhaps. To their credit, Wells Fargo has assigned a financial counselor to my case, XXXX XXXX, which I appreciate. I am told by XXXX XXXX, this HUD rule change is not only a problem for me but also pertains to many other seniors in our country who have property tax and/or home insurance advances from their lenders. I suspect that many of these seniors are not able to speak up for themselves and will, indeed, loose their homes.

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 2015-05-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a Dillard 's American Express card. I want to import the transactions into my XXXX software, but I can not. I can not get through to the customer service to get them to establish the online code/link to be able to get the ledger of the transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc.
State: FL

Complaint narrative:
Account closed with zero balance within the required 30 day period and I have confirmation.

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 2015-10-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have an executed agreement to purchase a home owned by The Bank of New York Mellon through their agent, XXXX XXXX XXXX XXXX. Prior to closing, a roof repair was done ; however, the party who did the repairs failed to obtain a building permit or professionally complete the repairs. During the walk through it was evident that the roof was still leaking. A licensed roofing contractor provided me with an inspection and estimate to replace the roof since a repair is not permitted. The city building department confirmed that a complete roof replacement is required and has issued a stop work order posted on the property. The roof must be replaced by a licensed roofing contractor, it is now a code enforcement issue. The seller initially argued regarding who did repairs ( not material ) and insisted I close as is or cancel the contract. I could not obtain insurance with the leaking roof. The seller would only refund my {$5000.00} escrow deposit and refused to pay my direct expenses over {$1100.00}. I have a FHA loan approved, and the lender 's loan package was sent to the closing agent in a timely manner so there was no issue with the loan on the closing date, XXXX XXXX, 2015. The seller came back after about a week and told my real estate broker, XXXX XXXX that the seller would replace the roof and to confirm if I still wanted to purchase the property which I responded affirmatively. Today, I received an email to call XXXX XXXX, after agreeing to replace the roof the seller now is refusing to do as they said they would do. I want to purchase the house and I want the roof to be replaced as they agreed to do. The seller keeps bringing up the sale was " as is '' which I agree is correct ; however, hiding a leaking roof with new paint followed by having an unpermitted repair that left holes in the roof is deceptive at best. The listing agent for XXXX XXXX XXXX XXXX is XXXX XXXX, XXXXXXXXXXXX phone ( XXXX ) XXXX XXXX. The seller is The Bank of New York Mellon care of XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX XXXX XXXX XXXX asset XXXX is XXXX XXXX, the closing agent is XXXX XXXX XXXX XXXX, account manager is XXXX XXXX ( XXXX ) XXXX, processor is XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX. My agent is XXXX XXXX XXXXXXXXXXXX, the managing broker of the XXXX XXXX XXXX Florida XXXX has taken over the transaction, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX : The seller hid a leaking roof with white paint, when they had repairs completed, their repairman failed to obtain permits, did not complete repairs in a workmanlike manner and it was still leaking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells are not responding with solutions to our problems ; They writer have not followed thru with promises of settlement they offered ; Here is a total succinct summary of Wells ' offers and settlements needed ; 1 ) Well 's offered to delete the " late payment '' charges of about {$5000.00}, but have not followed up with confirmation of this. 

2 ) Well 's have not confirmed the amount of additional income needed to qualify for a modification based on our recent application for a modification. If we had this we would know what to aim for, instead of this lack of transparency. 

3 ) We must reach a solution so we know what is possible ; In the event we sold, because we cant keep going under this XXXX at XXXX years old and in ill health would Well 's give us the promised {$10000.00} relocation amount promised, based on our XXXX application on which there is no current change. 
4 ) Where action is required by Wells when and how will they act. 
5 ) All this points to a being current, one way or another in the next six months, if Wells will be more XXXXtransparent and answer the question in full..

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 2015-05-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife and I have filed with XXXX XXXX. we have enrolled XXXX Wells Fargoaccounts. we closed our Wells Fargo account but my wife was a cosigner onour sons account so Wells Fargo started pulling money out of his accountwithout his knowledge or consent and without ours. No letters, emailstelling us anything

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo had sent thru charges on today and back dated the charges. I had made a deposit into my business acct yesterday and later that day transferred most to my personal acct. this was on the XXXX. I went by my bank this morning and withdrew some of the funds and both the business and personal were in good standing this morning on the XXXX Sometime after I left the bank this morning after making a withdrawal, somehow Wells Fargo debited my acct and posted the debits for the XXXX which is the prior day and said I had bounced the acct. how can a bank on the XXXX during the day back date a charge and post to my acct the prior day and make the acct negative. The bank stated that it was the transfer of funds to my personal acct from the business is what bounced and I advised the bank rep that I did this transfer online and it will not allow me to transfer more money than is in my acct into another. It will only allow you to transfer the amount u have available when transfer online. This is the second time this has happened in the last 4 months. I have also had issue with Wells Fargo mailing me back an nsf check I ran thru the business acct from a customer. They refuse to provide or give me a negotiable copy of the check I deposited that they state is nsf so I can go back to my customer to obtain the money due to me the last several months that Wells Fargo has refused to send back that negotiable check that I gave them or a negotiable copy. The only thing Wells Fargo has been willing to do is make a xerox copy and give to me that is NOT negotiable. What use is a copy of a non negotiable check. As far as the issues today, they have stated the charges are correct and that I bounced the acct and not their problem. As a customer of the bank, I am very worried about what they are doing as this can not possibly be legal. If was then every bank could just randomly do the debits and back date to whenever to help with their bottom line and fees they would like.

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 2016-07-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.

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 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In 2004 I discovered I was the victim of identity thief. I filed a complaint with the police department -- XXXX, VA. For several years following I filed request for Experian to remove the information from the report. After many years of complaints to the FTC and them directly they sent me reports showing that the information was removed from my report. 

The information is still on the report and in their data base. Since they provide erroneous and fraudulent information to government agency I continue to have countless problems with receiving benefits because I can not verify my personal information. For instances, I can not apply medical insurance throw XXXX XXXX XXXX, State Unemployment or anything else. 

I have seen copies of my Experian credit report that companies have received that show the fraudulent and wrong information about me and are different then the credit reports I receive as a individual person at the same time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have an account with XXXX XXXX and use their Bill Pay service. I erroneously mistypee a payment to my XXXX account instead of my Mortgage account. I called XXXX upon discovering the error and they called their bank ( Union Bank ) to refuse th epayment and trigger a refund. The sum was for {$40000.00} ( inteded for a mortgage baloon payment ). THe payment was on XXXX/XXXX/2015. I created an incident from my bank and was promised immediate refund and still have not seen the payment. I am concerned by the callousness of the bank and would like to report this as a fraud upon consumers. The call I placed was in bureaucratise declined because it was the business of the operations department. 
This references the payment from XXXX XXXX : XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX Our research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX XXXX research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015The payment is with XXXX ( by Union Bank XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have had homeowners insurance on our loan since we bought our house approx. 13 years ago. we changed insurance companies to state farm insurance. we changed XX/XX/2015. we were double covered until the end of the month. we have not had our insurance laps. America servicing company had been reported that we were changing and the new policy was sent to them by state farm on XX/XX/2015. I got lender based insurance info sent to me by them so I contacted them again and gave them the insurance company, and policy number, called state farm and had the policy resent to them. Come to find out they set up a escrow account and started charging me more for my payments. They have been contacted at least 7 times on this. They have taken extra monet from me which I feel they stole from us on a fraudulent basis. They were asked if they would give me a copy in writing on how long they have been taking it and I have been dealing with this for months with the mortgage company still not giving me the paperwork. I have had insurance and I want the money back they took from me on a fraudulent basis. I keep getting passed around to case managers on this just delaying it and it seems like hoping I will just give up and let it go. They took money from me on a fraudulent basis. I do n't care if it was {$0.00}, they were not entitled to it. I was insured.

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 2016-11-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am disputing the results of the Wells Fargo internal investigation pertaining to my claims of Mortgage Fraud and several other illegal tactics used by XXXX XXXX. It is yet another example of following the same pattern of fraud and deceptive lending practices in which Wells Fargo has claimed no longer exist.

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 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a complaint recently with Wells Fargo. However, they cancelled the complaint in their executive office from their end after they responded to you, & without following through with their commitment & their resolution in their response to you, they are now harassing by phone & any way they can with reps & auto dialers. They are interfering with my ability to make progress and harassing me at work. I had no contact or communication with a rep named XXXX XXXX, who sent me a letter closing the file on XXXX XXXX. Although the # XXXX account issues seem to be resolved and payments have recently been applied accurately, I still have the same unresolved issues with acct. # XXXX:1 XXXX there is a payment that has not been applied to acct. # XXXX from 3rd quarter 2014 ( 3 payments were made in one month & I have provided bank statements XXXX. 2 XXXX The terms of the modification offered & provided were not the best available, and were not in accordance with published Hamp guidelines. Please assist in obtaining a fair and equitable resolution. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Well fargo has robbed me. here are the accts XXXX, XXXX, XXXX,XXXX, I received a letter stating XXXX Credited me XXXX in the account ending in XXXX and it was gone. There are many other accounts I have had with well fargo. Please review all and see why I was charged all these bank fees. 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 2015-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hi I found a few fraudulent transactions in my wells fargo account that I do n't frequently use up to a little more than XXXX months old. I was able to resolve with the merchant myself on most of them except one of {$480.00}. Over the entire process, Wells Fargo was unfriendly and not helpful. This {$480.00} transaction happened between the bank and a fraudulent XXXX account which XXXX was not able to identify in the first ACH return request attempt that Wells Fargo made. After a another round of phone calls ( I do n't even remember how many rounds I have had ), XXXX was finally able to because the fraudulent account has everything correct except a non-existing email address. Even this email has my full name correctly spelled. And now this is identified, XXXX needs another " ACH pull back '' from the bank, which Wells Fargo refused to make. Their representatives ( many ) on the phone refused to help me further by saying they never made XXXX attempt, tried to get away by blaming me for not knowing how to prevent identity theft, not reading monthly statement in time, and also refused to direct me to higher level. Please kindly help me on this!

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