vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo offered to refinance my home at a low interest rate and cash out part of the equity ( they currently hold the mortgage ). I paid the appraisal fee and had all paperwork completed on XXXX, and was told everything was a go -- that the appraisal would be done within two weeks, and then they would close the loan. Since then they 've stalled and delayed, telling me they ca n't do an appraisal. Now they tell me they wo n't be able to appraise the home until XXXX. Each time they push the date farther away. I 've already paid for the appraisal, and this is preventing me from going to other lenders. Their reassurances were that I 'd have my refinance finished in time to have contractors work on my home ( I have a leaky roof that needs to be repaired before the NW rains start ). Now it 's XXXX, I 'm no closer to closing this loan, and out several thousand dollars.

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 2016-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please refer to Consumer Financial Protection Bureau Case number : XXXX. 
Wells Fargo Home Mortgage is maintaining that we are one month behind in our mortgage payments. I have reviewed the final account statement from XXXX XXXX, Executive Resolution Specialist for Wells Fargo. My bank account payment records and my Wells Fargo online records both match the statement of account that she sent me. The only difference is all our payments are listed as " Unapplied Funds ''. Why is that? 

I 'm reattaching the statement from the bankruptcy court that I attached to the original complaint. It clearly states that the house was surrendered to my ex-wife through our divorce. It also clearly states that no money was held by the bankruptcy court from Wells Fargo. 

Also, XXXX XXXX did n't even address the fact that 2 payments were made in XXXX XXXX! 

Further, the court did not tell Wells Fargo to reverse that XXXX XXXX payment and then only partially apply it to the mortgage as stated by XXXX XXXX. 

This whole mess, which we have been trying to work out with Wells Fargo, has gone on for years now! It is nothing more than an accounting error on their part yet they refuse to fix it. At this point I am looking at it as outright fraud on their part! 

XXXX more points : 1 ) I have spoken with the VA and they tell me Wells Fargo has reported us as " On Time '' a couple months this year ( as well as several other times during the period they have been tell us we are behind ). 
2 ) Since XXXX XXXX we have made 48 complete payment when only 47 were due during that time period. 

Their argument that we are a month behind makes absolutely no sense! We are a month ahead and we want that 2nd payment made in XXXX XXXX back and have our account show that it is current!

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 2016-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I closed out my CD with XXXX XXXX on XXXX/XXXX/2016 and received a Cashiers check for {$100000.00} on XXXX/XXXX/2016. 
I deposited this check on XXXX/XXXX/2016 in the ATM machine of m my local ( XXXX XXXX ) Wells Fargo Bank. Wells Fargo has placed a hold on this check until XXXX/XXXX/2016 with the excuse that the account was not found. The account no. 
is clearly printed on the check and XXXX XXXX assure me that the funds have been transferred to Wells Fargo. 
Wells Fargo refuses to lift the hold and states that it will attempt to locate the account again on XXXX/XXXX/2016 and will return the check to me if they fail. Is there any way to resolve this issue?

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 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I sent a principal payment to Wells Fargo of {$40000.00}. They cashed the check on XXXX XXXX, 2015. They will not credit my account until the " cycle '' is up. Therefore, I am not receiving any interest on my deposit or credit on my mortgage. The amount I should get is {$4.00} per day. This does not seem fair to consumers.

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: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Since XX/XX/XXXX have submitted three ( 3 ) mortgage modification packages to Wells Fargo and updated last package five ( 5 ) times. XX/XX/XXXX, after receiving no responses to packages or updates from the WF mortgage specialist, had WF customer service track him down ; this took several additional months. The mortgage specialist stated to the customer service rep he cancelled my package XX/XX/XXXX, due to no responses from me ; I was the only person responding. After review of my files, located a letter, dated XX/XX/XXXX, from the mortgage specialist stating he had received my package and was processing the paperwork ; Odd ... .processing a package he cancelled two months prior. XX/XX/XXXX, after many complaints concerning this mortgage specialist, I was assigned a new specialist, who immediately stated he showed receiving no paperwork from me. All my paperwork is Priority Mailed to WF ; have receipts to show delivery. Forwarded all the latest paperwork to new specialist ; as of this date no responses to paperwork. XX/XX/XXXX, my home was put on the Foreclosure Auction Block without ( as of this date ) receiving any responses to my packages or updates. The last letter received from Wells Fargo concerning my requests for information was the same obtuse rhetoric and stating they were following all the guidelines set forth by CFRB.??????????????????

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 2015-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My complaint regards being denied a mortgage modification. When the economy failed, my husband, XXXX, lost his job as a XXXX. He was also caring for his XXXX parents. As their needs increased, he became their full-time caregiver and they helped us with our bills. After his dad died of XXXX, XXXX continued caring for his mother with XXXX. When his mom was placed in assisted living this assistance ended. After that XXXX could n't find full-time work. I continue to be employed as a XXXX since 2004, but my salary did n't cover the bills. XXXX found side work, but it was n't enough. I contacted my mortgage servicing company and they were willing to assist. After I received foreclosure documents they no longer took my calls. I tried to respond on my own, but eventually I hired an attorney. She says we 're half way through the process with a year left. Our lender has rejected our modification requests even though we are both working full-time in permanent positions, have received " cost of living '' increases and have no credit debt. I understood that our eligibility hinged on XXXX 's obtaining permanent employment. That criteria was met years ago now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX, XXXX Summary of Complaint In late XXXX, Wells Fargo triggered a Short Sale of our property! This happened as a result of our investigation and then pursuing a Home Loan Modification option with XXXX CA. Our application was declined. 
We pursued a similar investigation with XXXX XXXX as it was highly recommend to us as a solid local resource. The contact at XXXX XXXX was extremely helpful and supportive and we are disappointed that we were not granted a home loan modification by Wells Fargo. When mortgage rates dropped in XXXX, they would not allow us to replace and ARM loan with a fix rate mortgage. 
Unfortunately as a result of this pursuit, it has become necessary to repetitiously pursue the removal of sets ups by XXXX XXXX as short sale status presumptive Escrow accounts. We have made it perfectly clear that we do not wish them to handle home insurance and property tax payments that we continue to pay directly without issue. As a result of their forced payments, they have started billing us a monthly mortgage payment amount of {$4100.00} instead of the recently increased $ {$2600.00} since XXXX, XXXX. 
We have adopted a pattern of conference calls when we reach them so we at least can take notes and ensure more ears and eyes based on our growing mistrust of Wells Fargo. They overpaid our home insurance and this created confusion regarding our long standing account with XXXX XXXX as it presented a credit in that caught our attention in early XXXX! My husband has pursued vigorous follow up with Wells Fargo constantly communicating our continued concerns. In particular, without our agreement, they made proactive payments to our home insurance carrier contact at XXXX XXXX as well as property tax payments to XXXX XXXX of XXXX XXXX Tax Collector. As it turns out, XXXX XXXX accounting clerks promptly returned Wells Fargo 's proactive overpayment to them as soon as possible. This spared us what could have been more loss of our productive time to handle yet another on-going pursuit to cease their overt tactics. It may be needless to state that this has been very disruptive and unsettling condition that has dragged on over months. It would be remiss of us not to file a complaint with your Consumer Financial Protection Bureau as our instincts tell us we are likely not alone it this and need assistance. 
We can provide back-up documents with a time line related to our many follow up phone calls and the verbal responses that we were provided by Wells Fargo and others. 
Yours Sincerely,

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 2016-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I received a call from a Wells Fargo rep stating that to avoid forclosue on my home I was to pay XXXX by XXXX XXXX. She gave me both the amount and date. I went to local branch on that day to pay and the local rep called in on how to proceed with payment. She was informed that I actually went into forclosue the same date of the phone call. I was then told I would have to be sent a reinstatement letter and pay that by due date. They never sent. I called back again and they apologized and would send another. I got it and it was XXXX more than the initial agreement. I called to dispute as the deal originally was past due payment only, no late fees or anything else. The reinstatement had late fees and attorney fees on it. They then put my account to review for the dispute. Then delayed the outcome of the review at least once maybe twice. When I finally got an answer they said everything was handed properly from their side. Admitted that the original called had given me the dollar amount but said no where on the tapes did she give me that date. Which is an outright lie. I requested a copy of the original call recording and they refused that unless they were court ordered to. If they have nothing to hide why are they refusing? They are trying to pull a fast one on me as they have to many others. It is n't right and I wo n't stand for it. I want a copy of the original recording. And I want them to come to an agreement on the original deal. It will be more now, yes but it should be what was promised in the beginning. All past due payments. Late fees on the back end and absolutely no lawyer 's fees as this is there companies mis communication not mine. I have been trying to pay since XX/XX/XXXX but I wo n't pay what was not agreed upon. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I have a Checking and Saving with Navy Federal Credit Union and I happen to inquired about Bill Payments to for one Extremely important my Life Insurance XXXX the Bill Payment was setup on XXXX XXXX, 2015 to be paid on XXXX XXXX, 2015. The Confirmation Number XXXX of payment for Navy Federal Credit Union. Then I contact XXXX XXXX XXXX to confirm they received payment to Customer Service Representative informed that no they did not received payment. So I contact Navy Federal Credit Union to request them to trace and confirm payment they stated that the bill payment was set up on XXXX XXXX, 2015 and the check for {$77.00} mailed via United State Postal Indiana the nearest payment processing center. The Check Number is XXXX and XXXX said that he can not trace the check and not even verify proof of payment. Please investigate that Navy Federal Credit Union are following United States Federal Banking Regulation and that they are working within the Federal Banking and Federal Credit Union Regulation and they following Bill Payment Regulations. I have no way of verification or payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
We have a mortgage with Wells Fargo and have been impacted by the flood of 2016 in Louisiana. Wells Fargo is showing favoritism to customers by denying full release of checks to us while fully releasing checks to others ( who we understand have family employed with Wells Fargo. ) Our settlement check is for {$230000.00}. The other person 's check is for approximately {$200000.00}. According to a letter dated XXXX XXXX, 2016 from Wells Fargo we were declined the release of this check due to the amount. " On XXXX XXXX, 2016, another customer of XXXX XXXX, LA was notified of a full release of their check and was given funds from the local bank. They also received a certified letter from Wells Fargo in early XXXX prior to Wells Fargo receiving their Proof of Loss statement notifying them that they would be able to have their check fully released to them. On XXXX XXXX I contacted Wells Fargo and spoke to XXXX XXXX in the Property Loss Department and asked what was the criteria to have my check fully released. He stated that it was based on the amount of the check. I explained to him that a customer received a letter notifying them that their check would be released and this was sent without Wells Fargo knowing the amount of settlement. He then sent my call to XXXX who is on the Resolution team. I asked the same question and was told that it was not based on credit, standing, loan to value or any other criteria but simply based on the amount of check. Checks at $ XXXX would be released. He stated that if someone received that letter without knowing the amount of claim, " then that letter must have been sent out by mistake. '' At this point, I requested that my check be released to me in full stating that we our outstanding customers, never in default, professionals, willing to provide past 2 years tax returns, great credit scores and that we had a vested interest with substantial equity in the property and were not a high risk. We were declined. We have been continuing to make repairs to our home. Wells Fargo has completed an inspection on the property and determined to be at 50 % completion and this is without using the settlement check that I still hold in my possession. We are no different than the other customer other than we do not have a family member working for Wells Fargo and we have completed 50 % of the work while the other customer has done 0 % to rebuild their property. How is it possible that consumers can be treated differently as such? We can provide names and documents to substantiate our claim.

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 2015-05-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had to file for Bankruptcy to protect my home because the bank has refused to modify my mortgage for years. This started in XX/XX/XXXX and Wells Fargo told me in order for them to help me I had to stop paying my mortgage with XXXX and when they take over the will modify my mortgage. When they finally took over they have continued to deny my modification even though I qualify. Now the prices are starting to come back up in Florida, I believe they are illegally denying me so they can sell the house for more and deny me again. The statute of limitation in Florida is XXXX years and my foreclosure ha been going on for longer than that. Why is the government and the state continuing to let the banks get away with this??? I want an answer ans want the banks to be held liable for what they have been doing to home owners since XX/XX/XXXX! Please respond! 
XXXX. XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I made a request to Wells Fargo Home Mortgage to close an escrow account on XXXX XXXX, 2017. At that time I was informed by Wells Fargo that it takes them 7-10 business days to close an escrow account. Due to an issue with Wells Fargo applying funds to my account, the actual account closing was n't processed until XXXX XXXX, 2017. The account was actually closed by Wells Fargo on XXXX XXXX, 2017, XXXX business days later. According to Wells Fargo a check was cut on XXXX XXXX, 2017. Since I had not received the check from Wells Fargo by XXXX XXXX, 2017 I called them back to inquire as to why I had not received the disbursement. The representative informed me that a check was cut on XXXX XXXX, 2017. However, after inquiring further and after the representative dug further, apparently the check was not actually sent until XXXX XXXX, 2017, XXXX days later or 3 full business days. I believe that this is a intentional effort by Wells Fargo to delay sending funds to their customers in order for them to take advantage of interest earned on balances held during the float period.

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 2016-12-02 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: HONOR FINANCE, LLC
State: NV

Complaint narrative:
I have already made payment arrangements, i still got calls from XXXX different agent telling that i only need to talk to them when i call back to make payment. They have call me and text me before XXXX. Everyday after making my arrangements

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I applied for and received a credit card through Wells Fargo Bank. A promotional offer with the card paid a {$100.00} bonus after spending " X dollars '' ( I do not recall the exact amount ) in a 3 month period. I achieved this level of spending yet did not receive my {$100.00} bonus. I contacted Wells Fargo regarding this matter and was told there was a " glitch in their system '' ( words used by Wells Fargo XXXX and that my {$100.00} would be paid the next month. This happened for several months in a row until someone at Wells Fargo manually made the adjustment and paid me the {$100.00} they owed me. XXXX of the Wells Fargo agents told me that it was good that I had called and pursued this matter because the {$100.00} would have never been paid and would have rolled forward to following month " forever '', due to the " glitch in their system ''. 

I fear that other customers may also be owed a payment by Wells Fargo, but will not receive their money because they are not as persistent as I have been. 

After I received my {$100.00} from Wells Fargo, I requested compensation for the time and effort I had to dedicate to correcting this matter. I made numerous phone calls to Wells Fargo over the course of several months to settle this matter. My case was elevated to the Wells Fargo Corporate Office and I was assigned a XXXX and a Case Number. This department ( and my XXXX XXXX ) ignored over XXXX phone calls and voice mail messages from me. Only after leaving messages in general voice mail box did someone other than my XXXX XXXX call me back. 

I am still requesting compensation for my time and effort to correct a problem created by Wells Fargo. Wells Fargo refuses to do so. 

I will close by adding that I have been a banking customer with Wells Fargo for nearly XXXX years ( with substantial deposits ) and have had a generally positive experience with the organization, until now.

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