vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had sent an Monthly Payment for my Mortgage Payments to the Wells Fargo Home Mortgage from my Checking Account at Wells Fargo Bank in XXXX TX. This was a regular thing for me. This instance happen in XX/XX/2012. Eversince then Wells Fargo Home denies receiving it and Bank says they have sent it. They have Slept Interest, Late Charges and my XXXX payment to close XXXX and they constantly harass me to get this money from me. Can Your Agency help me get the redress from this Big Bank and save my Credit.

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 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
1-I received a check in the name of my company and deposited it with my XXXX, All right until here. Then I kept the check in my wallet XXXX went to church 10 days later, I forgot that I bring the check in my wallet. I always deposit a personal check of offering, for confusion I deliver the check of the company ( Already deposited and collected XXXX instead of the personal check. 
3-The church deposits the check and my bank XXXX Wells Fargo XXXX pays it and withdraws the money from my account. 
4-I 've spent weeks trying to make the bank understand that everything was a mistake and there is no way to get my money back. The methods that the bank has suggested to me are like a comic movie. ( Go to the church ..., bring the one who gave you the check ... XXXX, I 'll call you tomorrow, .... We 're investigating .... Why you cashed the check 2 times ... XXXX 5-Wellsfargo must to return the money to my company simply because the check was directed at the company, not at the church. The bank should never pay the check to the church. In addition to that, the check had already been deposited and collected by the legitimate owner : My company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Hello, Well, I 've been hoping HARP3 will pass, but that wo n't happen. We 've called Wells Fargo & XXXX ( owns our mortgage loan ) and we keep getting the run around. Wells Fargo says to call XXXX, XXXX says they ca n't help us. Our loan is n't with XXXX or XXXX, my husband and I have great credit and we 've paid on time - our house is worth less than what we paid for in 2005. 
After all this time, we still ca n't refinance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am disputing XXXX XXXX explanation of the benefits of a Reverse Mortgage. She states that the loan served to pay off previous mortgages. The XXXX document XXXX is designed to be completed by the applicant with the LENDER 'S assistance. According to the document, the Mortgage Applied for was an FHA Traditional HECM. The FHA case XXXX. XXXX XXXX states the loan payment plan as a " LINE OF CREDIT. '' The lender case XXXX. XXXX indicates that the purpose of the loan was for " ADDITIONAL INCOME. '' XXXX XXXX should be made aware that bringing {$35000.00} asserts the opposite of any associated benefits of my reverse mortgage. If my intent was ADDITIONAL INCOME, then why would I be expected to bring XXXX to the closing? Unless, the predatory lender told me that the money was to go into escrow to be used as a line of credit to be disbursed as needed for property taxes. I 'm being foreclosed on due to non-payment of property taxes. Where 's the {$35000.00} line of credit that was supposed to ensure that I would n't lose my home. Obviously, it 's the reverse of the truth. Obviously it follows the same ongoing pattern of deception, coercion, and bullying an elderly woman into a mortgage that she did n't need and could n't afford. Wells Fargo made sure of my lack of ability to pay my taxes and insurance by illegally running a credit check and of course picking the bones dry by charging {$14.00} to conduct that credit check..

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 2015-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor XXXX. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX member is serving his country XXXX and I have to tell him this disappointing news.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo 's continuing harassment of mortgage holders late on payment. I am on fixed incomes with irregular receiving schedules with NO missed payments, only late/tardy. Have already implemented a " cease & desist '' against them for repeated phone calls - no messages left most times - & emails. So they 've resorted to other methods, like frequent certified mail & the big white door hanger with " CONFIDENTAL '' printed on the outward facing side in enormous red block font lettering ( I have photos ). This is beyond embarrassing & I consider it harassment. Inside the envelope is a piece of paper asking me to call them immediately. When done, the Wells Fargo mortgage rep just wants to know when you 'll be paying that month 's installment. That 's it??!? Big giant red letters on a bright white envelope hanging on my front door for all my neighbors to see for that??!? & Certified mail stickers plastered on there as well? What is wrong with these people??? 

I am NOT 6 months behind on my mortgage, or even 2. When you rely on others for your income, like Social Security & alimony, it 's difficult to budget sometimes & sure I 'm late but not behind. I catch up & always have, but throw in an unexpected event & my budget is a mess. Things happen. I ca n't help that & living " check-to-check '', there 's nothing to fall back on when you have to have an abscessed tooth pulled & do n't have dental insurance anymore. Wells Fargo 's motto is " Together We 'll Go Far '' but they do n't play well with others, that 's for sure. A plain letter mailed to me would be acceptable if they 're that worried about a late payment, but they have n't tried that approach to date. Got to have Certified mail & BIG red lettering on my front door. As if living with a physical XXXX trying to manage after your ex-husband, & main provider, abandoned the household, & filing for bankruptcy in the last 12 months was n't enough. 

Quit the harassing behavior Wells Fargo!!! You 'll receive your payments, like you have for the last 12+ years. Might be a week or 2 late, but it 's coming. Really!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
On XX/XX/2015 I initiated a wire transfer from my personal bank account at XXXX in XXXX, XXXX to a business bank account at Wells Fargo Bank in XXXX XXXX, XXXX. Not long after I initiated the wire transfer process, I received a telephone call from the Wells Fargo Fraud Unit informing me that I am probably the victim of fraud and that I should contact my bank ( XXXX ) immediately to have the wire transfer stopped and/or recalled ; due to the 6-hour time difference I was not able to contact my bank until the following morning when they opened. The Wells Fargo Fraud Unit did not take any steps to stop or intercept the fraudulent wire transfer that they called me about! 

I sent the money to : XXXX XXXX. XXXX XXXX XXXX XXXX Attn : XXXX XXXX Phone ( XXXX ) XXXX Wells Fargo Deposited to : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX ( XXXX ) XXXX I immediately filed a felony criminal complaint with the XXXX Police Department via telephone and they have since arrested and charged XXXX XXXX with felony fraud. I have been working steadfastly with XXXX trying to resolve this issue and to get Wells Fargo to refund my money via reverse wire transfer since Wells Fargo identified the wire transfer as fraud, recognized that they were depositing into a personal account instead of a business account and that the account holder 's names were not the same and did not intercept or place the wire transfer on hold until it could be verified. Unfortunately, Wells Fargo bank has given me nothing but lip service and the run-around and wasting my time while I tried to resolve this amicably. My bank ( XXXX ) wire transfer department has sent the Wells Fargo bank no less than a dozen secure XXXX messages trying to recover this money that they put into the wrong account. However, Wells Fargo has completely ignored my bank and refused to even respond to them too. 

I am attaching a true copy of the original wire transfer instrument to this complaint. Please investigate and make Wells Fargo bank follow the rules and refund my money.

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 2016-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
wachovia/ wells fargo bank [ mortgages ] on XX/XX/XXXX stole my home with XXXX % equity in by fraudulent forclosure, fraud and perjury comitted, ceo XXXX XXXX in cahoots with crooked ticketing judge XXXX, XXXX florida usa fraudulent final judgemant all paymants paid acount in credit, bank sent checks from my escrow acount to home owners insurance that was already paid infull they emptied acount then put me in forclosure, with over over {$6000.00} incredit all my paymant were tracable and cashed by wells fargo bank all international wires you can not bounce a international wire it is cleared funds, then the bank recieved the insurance checks when they came back in to a holding acount? the acount also had a c/o signed insurance check that i had done the work for {$2500.00}. i have just looked on XXXX county court records site XXXX florida XXXX XXXX XXXX XXXX case no XXXX XX/XX/XXXX the facts are all there crooked judge XXXX XXXX deliberatly refused to look at proof of paymant of all international wire transactions the escrow acount statemants are all there with the acount in credit also excessive Fees and monies not applied to acount clearly in the bank statemants this is fraud and perjury committed by XXXX XXXX who was told by the govermant what to do this is predatory lending on a organised crime bassis The Fradulent Forclosure Act is more important than false acounts You are making adecoy for what is about to unearth in your corrupt court system wachovia / wells fargo bank the mortgage title was in the name of XXXX and crossed out by pen this can not be a official documant and the crooked judge accepted it as proof of title i will question this CFPB you have done nothing about the fradulent forclosure theft XXXX casses

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
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was in the in the process of completing a loan modification ( XX/XX/XXXX ). I was asked to sign a subordination agreement ( XXXX attached ) in which I 've signed XXXX previous times. I asked my loan preservation specialist to send me this document and she failed to do this. After repeated calls and messages, my application was thrown out because I allegedly did n't finish the application process. Even the loan specialist 's superior is covering up this fact by doing " research and an investigation ''. As of XXXX XXXX, I was required to sign a subordination agreement and I 'm still waiting for it ( XXXX XXXX ). Wells Fargo 's people have lied to me and I 'd them to review their actions and the recorded audio of my last XXXX conversations with XXXX XXXX and XXXX XXXX refuses. I 've been mislead and lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
In the letter that was sent to me, there was no information on how to dispute the debt or how to ask for debt verification. They also stated " You have TEN ( 10 ) DAYS to make satisfactory payment arrangements or a Civil Suit MAY be filed against you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX, I wanted to check balance on Wells Fargo Money Market Savings. Last statement in my file was thru XX/XX/XXXX, even tho we always received one at the end of every month. Called bank and asked for a statement. Learned account " in process '' of being closed for non-activity, and that we had been notified. Immediately we went to the bank. Was questioned as to " why '' we had an acct. It is a SAVINGS acct. It was to SAVE money. They said they had repeatedly tried to contact us. We have lived in the same house since XX/XX/XXXX, and have had the same number. We received NO notification. We immediately closed the acct. Received cashier 's check for {$25000.00}. We have always had savings accts and never had one single problem. Please investigate to see why it appears to us they were trying to separate us from that account. And why absolutely NO effort was made to contact us. It would not have been difficult. We have not changed our address or phone this entire time, and our phone is listed. What happened to us is wrong, immoral, illegal, and smells very 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 2016-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc.
State: TX

Complaint narrative:
For the past two to three months, I have been receiving calls from Monarch Recovery Management attempting to collect a debt. The callers leave a message on my cell phone voicemail because I do not answer calls from callers not in my cell phone address book or callers with an Unknown caller ID. The phone numbers being used to call me show up in my caller ID with no name. The area codes used are XXXX and XXXX. The phone numbers change within the XXXX area codes on subsequent calls. 

The callers identify themselves as Monarch Recovery Management, stating that this is a call from a debt collector. Sometimes they say they are calling to collect a debt. In ALL cases, the callers NEVER give the name of the supposed debtor. On occasion no message has been left at all. 

I do not have ANY delinquent debts, so I should not be receiving debt collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I am getting phone calls two times a day asking to speak to XXXX XXXX. I am not XXXX XXXX. This has been going on for two months. I call them back state I am not her as to take my number off they call again the next day. I have spoken with manager she assured me this will not happen again it is still happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I have had several debt collectors trying to collect on an obsolete credit card debt. It has been over 10 years and still they try to collect on this debt. Now they are using official Superior Court of XXXX XXXX court forms. Illegally. I look up the Court Case Numbers and they are always unknown or false. The whole thing is a wrong. They say they filed a Notice of Levy, but it is a lie. It is a way to scare me into paying them. I think this is criminal. I am wise to them. I hope others are not falling for their lies. Look up the court case and ask some questions first.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have a loan that was transferred to a new loan servicer on XXXX. 
The new company is insisting I am late for XXXX and XXXX. I am not late but even if i were, they can not try to collect for months they did not have the loan. 
The Company is Bayview Loan Servicing , LLC . 
XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT

Complaint narrative:
I submitted a form for a XXXX, a mortgage assistance program, to my mortgage servicer, Bayview XXXX XXXX XXXX. At this time, my mortgage is at XXXX XXXX % and the monthly payment represents more than 65 % of my gross monthly income. I started the process XX/XX/2016 and now after XXXX representatives and sending all the documents needed. It is clear to me that they have not presented my documents to the government program, XXXX. It is clear to me that Bayview XXXX XXXX is catering to the investor who is holding my mortgage, XXXX. With interest rates so low, why would they release my mortgage to be amended under the XXXX program. They did n't submit my application and denied my request to submit it. I tried to refinance but my income is too low so I was denied. I have been paying for 11 years and am current but it is very difficult for me at this time to continue paying such a large portion of my income to stay in my house. The government should be going after the loan servicing companies because they are abusing people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I am US Citizen and made a transaction from website online to send money via western Union having MTCN number XXXX amount {$290.00} USD on date XXXX XXXX, 2016 through my Debit Card to my father In law/friend XXXX XXXX in XXXX XXXX, XXXX XXXX during XXXX XXXX, but I found he was not there, then very next day I request to cancel the transaction via western Union and submit the Information in details, but they are asking receivers Photo ID. I have no Photo ID of receivers side. I have all information of my Self legally but not from the receivers side. Now they saying they can not send me my Money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I have enrolled Equity Acceleration Program of Paymap since XXXX 2012. I just found that CFPB has taken action against Paymap and urged Paymap to refund money to consumers. I have not received refunds. Please help, or let me know where should I claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I made a payment towards my Peoples United Bank Card Services credit card balance a few days before due date on XXXX XXXX, 2015 at the local Peoples Bank office here in XXXX, CT. But when I checked my credit card balance a week ago, that payment had not been applied and my balance was now approaching my limit without said payment. 
I have been in regular touch with Peoples United Card Services for the past week. I have talked to multiple people, managers, over managers and nothing has been resolved to date. They have ALL the info they need i.e. faxed form from Peoples Branch in XXXX, CT showing that I made the payment, email from me showing the check I wrote and the money having left my checking account. They acknowlege that the payment was made but they have STILL NOT applied it to my credit card. They have charged me a late fee, they are charging me interest every day AND this is affecting my credit rating which was excellent. I need IMMEDIATE help with this. Peoples United Bank Card Services has demonstrated abysmal customer service to someone who has been a customer for almost 25 years. I have paid my bills on time and for many years in full and this is the way they treat their customers. I need your help to urgently resolve this matter. I will be taking my business elsewhere after this and will never use Peoples Bank, Peoples United Card Services again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Patenaude & Felix A Professional Corporation
State: OR

Complaint narrative:
Filed suit before first notifying me of their intent to do so

Company response to consumer: Closed with explanation